12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One processed my application for credit and opened XXXX credit cards lines for my household use. I gave Capital One value in which it became an asset that was able to gain profits for Capital One. An open ended consumer pain can not be defaulted nor late. Capital ( XXXX ) " Financial asset, '' except as otherwise provided in Section XXXX, means : ( i ) a security ; ( ii ) an obligation of a person or a share, participation, or other interest in a person or in property or an enterprise of a person, which is, or is of a type, dealt in or traded on financial markets, or which is recognized in any area in which it is issued or dealt in as a medium for investment ; or ( iii ) any property that is held by a securities intermediary for another person in a securities account if the securities intermediary has expressly agreed with the other person that the property is to be treated as a financial asset under this XXXX.
As context requires, the term means either the interest itself or the means by which a person 's claim to it is evidenced, including a certificated or uncertificated security, a security certificate, or a security entitlement.
( XXXX ) [ reserved ] breached the contract when they closed the consumer account.
XXXX XXXX Code XXXX - Open end consumer credit plans XXXX XXXX Notes XXXX | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( XXXX ) The conditions under which a finance charge XXXX be imposed, including the time period ( if any ) within which any credit extended XXXX be repaid without incurring a finance charge, except that the creditor XXXX, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( XXXX ) The method of determining the balance upon which a finance charge will be imposed.
( XXXX ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( XXXX ) Where XXXX or more periodic rates XXXX be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( XXXX ) XXXX of other charges which XXXX be imposed as part of the plan, and their method of computation, in accordance with regulations of the XXXX.
( XXXX ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( XXXX ) A statement, in a form prescribed by regulations of the XXXX of the protection provided by sections XXXX and XXXX of this title to an obligor and the creditors responsibilities under sections XXXX and XXXX of this title. With respect to XXXX billing cycle per calendar year, at intervals of not less than XXXX months or more than XXXX months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( XXXX ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section XXXX ( a ) of this title; and ( B ) the XXXX determines is not described in any other paragraph of this subsection.
( b ) XXXX required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( XXXX ) The outstanding balance in the account at the beginning of the statement period.
( XXXX ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the XXXX sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section XXXX of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the XXXX, and such persons open end credit plan has fewer than XXXX accounts, the creditor XXXX elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section XXXX of this title.
( XXXX ) The total amount credited to the account during the period.
( XXXX ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( XXXX ) Where XXXX or more periodic rates XXXX be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and, unless the annual percentage rate ( determined under section XXXX ( a ) ( XXXX ) of this title ) is required to be disclosed pursuant to paragraph ( XXXX ), the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( XXXX ) Where the total finance charge exceeds XXXX cents for a monthly or longer billing cycle, or the pro rata part of XXXX cents for a billing cycle shorter than monthly, the total finance charge expressed as an annual percentage rate ( determined under section XXXX ( a ) ( XXXX ) of this title ), except that if the finance charge is the sum of XXXX or more products of a rate times a portion of the balance, the creditor XXXX, in lieu of disclosing a single rate for the total charge, disclose each such rate expressed as an annual percentage rate, and the part of the balance to which it is applicable.
( XXXX ) The balance on which the finance charge was computed and a statement of how the balance was determined. If the balance is determined without first deducting all credits during the period, that fact and the amount of such payments shall also be disclosed.
( XXXX ) The outstanding balance in the account at the end of the period.
( XXXX ) The date by which or the period ( if any ) within which, payment must be made to avoid additional finance charges, except that the creditor XXXX, at his election and without disclosure, impose no such additional finance charge if payment is received after such date or the termination of such period.
( XXXX ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor.
( XXXX ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the XXXX XXXX to consumer testing.
( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer XXXX receive information about accessing credit counseling and debt management services.
( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full.
( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date.
( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the XXXX shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement.
( XXXX ) In the regulations prescribed under subparagraph ( D ), the XXXX shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading.
( F ) In prescribing the form of the table under subparagraph ( XXXX ), the XXXX shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ).
( G ) In prescribing the form of the table under subparagraph ( D ), the XXXX shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning.
( XXXX ) Requirements relating to late payment deadlines and penalties.
( A ) Late payment deadline required to be disclosed.
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge XXXX be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.
( B ) XXXX of increase in interest rates for late payments.
If XXXX or more late payments under an open end consumer credit plan XXXX result in an increase in the annual percentage rate applicable to the account, the statement required under subsection ( b ) with respect to the account shall include conspicuous notice of such fact, together with the applicable penalty annual percentage rate, in close proximity to the disclosure required under subparagraph ( A ) of the date on which payment is due under the terms of the account.
( C ) Payments at local branches.
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge XXXX be imposed due to the failure of the obligor to make payment on or before the due date for such payment.
( c ) Disclosure in credit and charge card applications and solicitations ( XXXX ) Direct mail applications and solicitations ( A ) Information in tabular format Any application to open a credit card account for any person under an open end consumer credit plan, or a solicitation to open such an account without requiring an application, that is mailed to consumers shall disclose the following information, subject to subsection ( XXXX ) and section XXXX ( c ) of this title : ( i ) Annual percentage rates ( XXXX ) Each annual percentage rate applicable to extensions of credit under such credit plan.
( II ) Where an extension of credit is subject to a variable rate, the fact that the rate is variable, the annual percentage rate in effect at the time of the mailing, and how the rate is determined.
( XXXX ) Where more than XXXX rate applies, the range of balances to which each rate applies.
( ii ) XXXX and other fees ( I ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of a credit card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( II ) Any minimum finance charge imposed for each period during which any extension of credit which is subject to a finance charge is outstanding.
( XXXX ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) Grace period ( I ) The date by which or the period within which any credit extended under such credit plan for purchases of goods or services must be repaid to avoid incurring a finance charge, and, if no such period is offered, such fact shall be clearly stated.
( II ) If the length of such grace period varies, the card issuer XXXX disclose the range of days in the grace period, the minimum number of days in the grace period, or the average number of days in the grace period, if the disclosure is identified as such.
( iv ) Balance calculation method ( I ) The name of the balance calculation method used in determining the balance on which the finance charge is computed if the method used has been defined by the XXXX, or a detailed explanation of the balance calculation method used if the method has not been so defined.
( II ) In prescribing regulations to carry out this clause, the XXXX shall define and name not more than the XXXX balance calculation methods determined by the XXXX to be the most commonly used methods.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( XXXX ) and ( f ) : ( i ) XXXX advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( XXXX ) Telephone solicitations ( A ) In general In any telephone solicitation to open a credit card account for any person under an open end consumer credit plan, the person making the solicitation shall orally disclose the information described in paragraph ( XXXX ) ( A ).
( B ) Exception Subparagraph ( A ) shall not apply to any telephone solicitation if ( i ) the credit card issuer ( I ) does not impose any fee described in paragraph ( XXXX ) ( A ) ( XXXX ) ( I ) ; or ( II ) does not impose any fee in connection with telephone solicitations unless the consumer signifies acceptance by using the card ; ( ii ) the card issuer discloses clearly and conspicuously in writing the information described in paragraph ( XXXX ) within 30 days after the consumer requests the card, but in no event later than the date of delivery of the card ; and ( iii ) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card.
( XXXX ) Applications and solicitations by other means ( A ) In general Any application to open a credit card account for any person under an open end consumer credit plan, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall meet the disclosure requirements of subparagraph ( B ), ( C ), or ( D ).
( B ) Specific information An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation contains ( i ) the information ( I ) described in paragraph ( XXXX ) ( A ) in the form required under section XXXX ( c ) of this title, subject to subsection ( XXXX ), and ( II ) described in paragraph ( XXXX ) ( B ) in a clear and conspicuous form, subject to subsections ( XXXX ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( C ) General information without any specific term An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation ( i ) contains a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) there are costs associated with the use of credit cards ; and ( II ) the applicant XXXX contact the creditor to request disclosure of specific information of such costs by calling a toll free telephone number or by writing to an address, specified in the application; ( ii ) contains a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number and a mailing address at which the applicant XXXX contact the creditor to obtain such information ; and ( iii ) does not contain any of the items described in paragraph ( XXXX ).
( D ) Applications or solicitations containing subsection ( a ) disclosures An application or solicitation meets the requirement of this subparagraph if it contains, or is accompanied by ( i ) the disclosures required by paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) ; ( ii ) the disclosures required by subparagraphs ( A ) and ( B ) of paragraph ( XXXX ) of this subsection included clearly and conspiciously [ XXXX ] ( except that the provisions of section XXXX ( c ) of this title shall not apply ) ; and ( iii ) a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided.
( XXXX ) Prompt response to information requests Upon receipt of a request for any of the information referred to in subparagraph ( B ), ( C ), or ( D ), the card issuer or the agent of such issuer shall promptly disclose all of the information described in paragraph ( XXXX ).
( XXXX ) Charge card applications and solicitations ( A ) In general Any application or solicitation to open a charge card account shall disclose clearly and conspicuously the following information in the form required by section XXXX ( c ) of this title, subject to subsection ( XXXX ) : ( i ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of the charge card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( ii ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) A statement that charges incurred by use of the charge card are due and payable upon receipt of a periodic statement rendered for such charge card account.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each written application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( XXXX ) and ( f ) : ( i ) XXXX advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( C ) Applications and solicitations by other means Any application to open a charge card account, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall contain ( i ) the information ( I ) described in subparagraph ( A ) in the form required under section XXXX ( c ) of this title, subject to subsection ( XXXX ), and ( II ) described in subparagraph ( B ) in a clear and conspicuous form, subject to subsections ( XXXX ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant XXXX contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( D ) Issuers of charge cards which provide access to open end consumer credit plans If a charge card permits the card holder to receive an extension of credit under an open end consumer credit plan, which is not maintained by the charge card issuer, the charge card issuer XXXX provide the information described in subparagraphs ( A ) and ( B ) in the form required by such subparagraphs in lieu of the information required to be provided under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) with respect to any credit extended under such plan, if the charge card issuer discloses clearly and conspicuously to the consumer in the application or solicitation that ( i ) the charge card issuer will make an independent decision as to whether to issue the card ; ( ii ) the charge card XXXX arrive before the decision is made with respect to an extension of credit under an open end consumer credit plan ; and ( iii ) approval by the charge card issuer does not constitute approval by the issuer of the extension of credit.
The information required to be disclosed under paragraph ( XXXX ) shall be provided to the charge card holder by the creditor which maintains such open end consumer credit plan before the first extension of credit under such plan.
( XXXX ) Charge card defined For the purposes of this subsection, the term charge card means a card, plate, or other single credit device that XXXX be used from time to time to obtain credit which is not subject to a finance charge.
( XXXX ) XXXX authority of the XXXX XXXX XXXX XXXX, by regulation, require the disclosure of information in addition to that otherwise required by this subsection or subsection ( d ), and modify any disclosure of information required by this subsection or subsection ( d ), in any application to open a credit card account for any person under an open end consumer credit plan or any application to open a charge card account for any person, or a solicitation to open any such account without requiring an application, if the XXXX determines that such action is necessary to carry out the purposes of, or prevent evasions of, any paragraph of this subsection.
( XXXX ) Additional notice concerning introductory rates ( A ) In general Except as provided in subparagraph ( B ), an application or solicitation to open a credit card account and all promotional materials accompanying such application or solicitation for which a disclosure is required under paragraph ( XXXX ), and that offers a temporary annual percentage rate of interest, shall ( i ) use the term introductory in immediate proximity to each listing of the temporary annual percentage rate applicable to such account, which term shall appear clearly and conspicuously ; ( ii ) if the annual percentage rate of interest that will apply after the end of the temporary rate period will be a fixed rate, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing of the temporary annual percentage rate in the tabular format described in section XXXX ( c ) of this title ), the time period in which the introductory period will end and the annual percentage rate that will apply after the end of the introductory period; and ( iii ) if the annual percentage rate that will apply after the end of the temporary rate period will vary in accordance with an index, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing in the tabular format prescribed by section XXXX ( c ) of this title ), the time period in which the introductory period will end and the rate that will apply after that, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( B ) Exception Clauses ( ii ) and ( iii ) of subparagraph ( A ) do not apply with respect to any listing of a temporary annual percentage rate on an envelope or other enclosure in which an application or solicitation to open a credit card account is mailed.
( C ) Conditions for introductory rates An application or solicitation to open a credit card account for which a disclosure is required under paragraph ( XXXX ), and that offers a temporary annual percentage rate of interest shall, if that rate of interest is revocable under any circumstance or upon any event, clearly and conspicuously disclose, in a prominent manner on or with such application or solicitation ( i ) a general description of the circumstances that XXXX result in the revocation of the temporary annual percentage rate ; and ( ii ) if the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ( I ) will be a fixed rate, the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ; or ( II ) will vary in accordance with an index, the rate that will apply after the temporary rate, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( D ) Definitions In this paragraph ( i ) the terms temporary annual percentage rate of interest and temporary annual percentage rate mean any rate of interest applicable to a credit card account for an introductory period of less than 1 year, if that rate is less than an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation; and ( ii ) the term introductory period means the maximum time period for which the temporary annual percentage rate XXXX be applicable.
( XXXX ) Relation to other disclosure requirements Nothing in this paragraph XXXX be construed to supersede subsection ( a ) of section XXXX of this title, or any disclosure required by paragraph ( XXXX ) or any other provision of this subsection.
( XXXX ) Internet-based solicitations ( A ) In general In any solicitation to open a credit card account for any person under an open end consumer credit plan using the Internet or other interactive computer service, the person making the solicitation shall clearly and conspicuously disclose ( i ) the information described in subparagraphs ( A ) and ( B ) of paragraph ( XXXX ) ; and ( ii ) the information described in paragraph ( XXXX ).
( B ) Form of disclosure The disclosures required by subparagraph ( A ) shall be ( i ) readily accessible to consumers in close proximity to the solicitation to open a credit card account ; and ( ii ) updated regularly to reflect the current policies, terms, and fee amounts applicable to the credit card account.
( C ) Definitions For purposes of this paragraph ( i ) the term Internet means the international computer network of both Federal and non-Federal interoperable packet switched data networks; and ( ii ) the term interactive computer service means any information service, system, or access software provider that provides or enables computer access by multiple users to a computer server, including specifically a service or system that provides access to the Internet and such systems operated or services offered by libraries or educational institutions.
( XXXX ) Applications from underage consumers ( A ) Prohibition on issuance No credit card XXXX be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ).
( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.
( C ) Safe harbor The XXXX shall promulgate regulations providing standards that, if met, would satisfy the requirements of subparagraph ( B ) ( ii ).
( d ) Disclosure prior to renewal ( XXXX ) In general A card issuer that has changed or amended any term of the account since the last renewal that has not been previously disclosed or that imposes any fee described in subsection ( c ) ( XXXX ) ( A ) ( XXXX ) ( I ) or ( c ) ( XXXX ) ( A ) ( i ) shall transmit to a consumer at least 30 days pr
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10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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Capital One continues to share my nonpublic financial information with non affiliated third parties known as XXXX, XXXX, and XXXX. Each company is listed under the SEC and is securitizing my consumer report which makes this a financial relationship among them. They need my written consent to share my transaction information and furthermore should provide a notice every 30 days for me to opt out of having my information shared. I have received no such notice at all.
17 CFR 248.124 - Reasonable opportunity to opt out.
248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1637 - Open end consumer credit plans U.S. Code Notes prev | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( 1 ) The outstanding balance in the account at the beginning of the statement period.
( 2 ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than XXXX accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
( 3 ) The total amount credited to the account during the period.
( 4 ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( 5 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and, unless the annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ) is required to be disclosed pursuant to paragraph ( 6 ), the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 6 ) Where the total finance charge exceeds 50 cents for a monthly or longer billing cycle, or the pro rata part of 50 cents for a billing cycle shorter than monthly, the total finance charge expressed as an annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ), except that if the finance charge is the sum of two or more products of a rate times a portion of the balance, the creditor may, in lieu of disclosing a single rate for the total charge, disclose each such rate expressed as an annual percentage rate, and the part of the balance to which it is applicable.
( 7 ) The balance on which the finance charge was computed and a statement of how the balance was determined. If the balance is determined without first deducting all credits during the period, that fact and the amount of such payments shall also be disclosed.
( 8 ) The outstanding balance in the account at the end of the period.
( 9 ) The date by which or the period ( if any ) within which, payment must be made to avoid additional finance charges, except that the creditor may, at his election and without disclosure, impose no such additional finance charge if payment is received after such date or the termination of such period.
( 10 ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor.
( 11 ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the Bureau pursuant to consumer testing.
( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services.
( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full.
( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date.
( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the Bureau shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement.
( E ) In the regulations prescribed under subparagraph ( D ), the Bureau shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading.
( F ) In prescribing the form of the table under subparagraph ( E ), the Bureau shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ).
( G ) In prescribing the form of the table under subparagraph ( D ), the Bureau shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning.
( 12 ) Requirements relating to late payment deadlines and penalties.
( A ) Late payment deadline required to be disclosed.
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.
( B ) Disclosure of increase in interest rates for late payments.
If 1 or more late payments under an open end consumer credit plan may result in an increase in the annual percentage rate applicable to the account, the statement required under subsection ( b ) with respect to the account shall include conspicuous notice of such fact, together with the applicable penalty annual percentage rate, in close proximity to the disclosure required under subparagraph ( A ) of the date on which payment is due under the terms of the account.
( C ) Payments at local branches.
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.
( c ) Disclosure in credit and charge card applications and solicitations ( 1 ) Direct mail applications and solicitations ( A ) Information in tabular format Any application to open a credit card account for any person under an open end consumer credit plan, or a solicitation to open such an account without requiring an application, that is mailed to consumers shall disclose the following information, subject to subsection ( e ) and section 1632 ( c ) of this title : ( i ) Annual percentage rates ( I ) Each annual percentage rate applicable to extensions of credit under such credit plan.
( II ) Where an extension of credit is subject to a variable rate, the fact that the rate is variable, the annual percentage rate in effect at the time of the mailing, and how the rate is determined.
( III ) Where more than one rate applies, the range of balances to which each rate applies.
( ii ) Annual and other fees ( I ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of a credit card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( II ) Any minimum finance charge imposed for each period during which any extension of credit which is subject to a finance charge is outstanding.
( III ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) Grace period ( I ) The date by which or the period within which any credit extended under such credit plan for purchases of goods or services must be repaid to avoid incurring a finance charge, and, if no such period is offered, such fact shall be clearly stated.
( II ) If the length of such grace period varies, the card issuer may disclose the range of days in the grace period, the minimum number of days in the grace period, or the average number of days in the grace period, if the disclosure is identified as such.
( iv ) Balance calculation method ( I ) The name of the balance calculation method used in determining the balance on which the finance charge is computed if the method used has been defined by the Bureau, or a detailed explanation of the balance calculation method used if the method has not been so defined.
( II ) In prescribing regulations to carry out this clause, the Bureau shall define and name not more than the 5 balance calculation methods determined by the Bureau to be the most commonly used methods.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( 2 ) Telephone solicitations ( A ) In general In any telephone solicitation to open a credit card account for any person under an open end consumer credit plan, the person making the solicitation shall orally disclose the information described in paragraph ( 1 ) ( A ).
( B ) Exception Subparagraph ( A ) shall not apply to any telephone solicitation if ( i ) the credit card issuer ( I ) does not impose any fee described in paragraph ( 1 ) ( A ) ( ii ) ( I ) ; or ( II ) does not impose any fee in connection with telephone solicitations unless the consumer signifies acceptance by using the card ; ( ii ) the card issuer discloses clearly and conspicuously in writing the information described in paragraph ( 1 ) within 30 days after the consumer requests the card, but in no event later than the date of delivery of the card ; and ( iii ) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card.
( 3 ) Applications and solicitations by other means ( A ) In general Any application to open a credit card account for any person under an open end consumer credit plan, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall meet the disclosure requirements of subparagraph ( B ), ( C ), or ( D ).
( B ) Specific information An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation contains ( i ) the information ( I ) described in paragraph ( 1 ) ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in paragraph ( 1 ) ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( C ) General information without any specific term An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation ( i ) contains a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) there are costs associated with the use of credit cards ; and ( II ) the applicant may contact the creditor to request disclosure of specific information of such costs by calling a toll free telephone number or by writing to an address, specified in the application; ( ii ) contains a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number and a mailing address at which the applicant may contact the creditor to obtain such information ; and ( iii ) does not contain any of the items described in paragraph ( 1 ).
( D ) Applications or solicitations containing subsection ( a ) disclosures An application or solicitation meets the requirement of this subparagraph if it contains, or is accompanied by ( i ) the disclosures required by paragraphs ( 1 ) through ( 6 ) of subsection ( a ) ; ( ii ) the disclosures required by subparagraphs ( A ) and ( B ) of paragraph ( 1 ) of this subsection included clearly and conspiciously [ 1 ] ( except that the provisions of section 1632 ( c ) of this title shall not apply ) ; and ( iii ) a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided.
( E ) Prompt response to information requests Upon receipt of a request for any of the information referred to in subparagraph ( B ), ( C ), or ( D ), the card issuer or the agent of such issuer shall promptly disclose all of the information described in paragraph ( 1 ).
( 4 ) Charge card applications and solicitations ( A ) In general Any application or solicitation to open a charge card account shall disclose clearly and conspicuously the following information in the form required by section 1632 ( c ) of this title, subject to subsection ( e ) : ( i ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of the charge card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( ii ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) A statement that charges incurred by use of the charge card are due and payable upon receipt of a periodic statement rendered for such charge card account.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each written application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( C ) Applications and solicitations by other means Any application to open a charge card account, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall contain ( i ) the information ( I ) described in subparagraph ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in subparagraph ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed. ( D ) Issuers of charge cards which provide access to open end consumer credit plans If a charge card permits the card holder to receive an extension of credit under an open end consumer credit plan, which is not maintained by the charge card issuer, the charge card issuer may provide the information described in subparagraphs ( A ) and ( B ) in the form required by such subparagraphs in lieu of the information required to be provided under paragraph ( 1 ), ( 2 ), or ( 3 ) with respect to any credit extended under such plan, if the charge card issuer discloses clearly and conspicuously to the consumer in the application or solicitation that ( i ) the charge card issuer will make an independent decision as to whether to issue the card ; ( ii ) the charge card may arrive before the decision is made with respect to an extension of credit under an open end consumer credit plan ; and ( iii ) approval by the charge card issuer does not constitute approval by the issuer of the extension of credit. The information required to be disclosed under paragraph ( 1 ) shall be provided to the charge card holder by the creditor which maintains such open end consumer credit plan before the first extension of credit under such plan. ( E ) Charge card defined For the purposes of this subsection, the term charge card means a card, plate, or other single credit device that may be used from time to time to obtain credit which is not subject to a finance charge. ( 5 ) Regulatory authority of the Bureau The Bureau may, by regulation, require the disclosure of information in addition to that otherwise required by this subsection or subsection ( d ), and modify any disclosure of information required by this subsection or subsection ( d ), in any application to open a credit card account for any person under an open end consumer credit plan or any application to open a charge card account for any person, or a solicitation to open any such account without requiring an application
, if the Bureau determines that such action is necessary to carry out the purposes of, or prevent evasions of, any paragraph of this subsection.
( 6 ) Additional notice concerning introductory rates ( A ) In general Except as provided in subparagraph ( B ), an application or solicitation to open a credit card account and all promotional materials accompanying such application or solicitation for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest, shall ( i ) use the term introductory in immediate proximity to each listing of the temporary annual percentage rate applicable to such account, which term shall appear clearly and conspicuously ; ( ii ) if the annual percentage rate of interest that will apply after the end of the temporary rate period will be a fixed rate, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing of the temporary annual percentage rate in the tabular format described in section 1632 ( c ) of this title ), the time period in
which the introductory period will end and the annual percentage rate that will apply after the end of the introductory period; and ( iii ) if the annual percentage rate that will apply after the end of the temporary rate period will vary in accordance with an index, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing in the tabular format prescribed by section 1632 ( c ) of this title ), the time period in which the introductory period will end and the rate that will apply after that, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( B ) Exception Clauses ( ii ) and ( iii ) of subparagraph ( A ) do not apply with respect to any listing of a temporary annual percentage rate on an envelope or other enclosure in which an application or solicitation to open a credit card account is mailed.
( C ) Conditions for introductory rates An application or solicitation to open a credit card account for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest shall, if that rate of interest is revocable under any circumstance or upon any event, clearly and conspicuously disclose, in a prominent manner on or with such application or solicitation ( i ) a general description of the circumstances that may result in the revocation of the temporary annual percentage rate ; and ( ii ) if the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ( I ) will be a fixed rate, the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ; or ( II ) will vary in accordance with an index, the rate that will apply after the temporary rate, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( D ) Definitions In this paragraph ( i ) the terms temporary annual percentage rate of interest and temporary annual percentage rate mean any rate of interest applicable to a credit card account for an introductory period of less than 1 year, if that rate is less than an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation; and ( ii ) the term introductory period means the maximum time period for which the temporary annual percentage rate may be applicable.
( E ) Relation to other disclosure requirements Nothing in this paragraph may be construed to supersede subsection ( a ) of section 1632 of this title, or any disclosure required by paragraph ( 1 ) or any other provision of this subsection.
( 7 ) Internet-based solicitations ( A ) In general In any solicitation to open a credit card account for any person under an open end consumer credit plan using the Internet or other interactive computer service, the person making the solicitation shall clearly and conspicuously disclose ( i ) the information described in subparagraphs ( A ) and ( B ) of paragraph ( 1 ) ; and ( ii ) the information described in paragraph ( 6 ).
( B ) Form of disclosure The disclosures required by subparagraph ( A ) shall be ( i ) readily accessible to consumers in close proximity to the solicitation to open a credit card account ; and ( ii ) updated regularly to reflect the current policies, terms, and fee amounts applicable to the credit card account.
( C ) Definitions For purposes of th
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On my credit report from XXXX is an inquiry from Capital One. I did not make this inquiry and XXXX has not removed it! I did complete an ID Theft affidavit and all they say is its being investigated.18 U.S. Code 1028 This is too long for an item to be investigated it is now XXXX and is still on my report!
According to 18 U.S. Code 1028 says - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under this title or imprisonment for not more than one year, or both, in any other case.
( c ) The circumstance referred to in subsection ( a ) of this section is that ( 1 ) the identification document, authentication feature, or false identification document is or appears to be issued by or under the authority of the United States or a sponsoring entity of an event designated as a special event of national significance or the document-making implement is designed or suited for making such an identification document, authentication feature, or false identification document ; ( 2 ) the offense is an offense under subsection ( a ) ( 4 ) of this section; or ( 3 ) either ( A ) the production, transfer, possession, or use prohibited by this section is in or affects interstate or foreign commerce, including the transfer of a document by electronic means; or ( B ) the means of identification, identification document, false identification document, or document-making implement is transported in the mail in the course of the production, transfer, possession, or use prohibited by this section.
( d ) In this section and section 1028A ( 1 ) the term authentication feature means any hologram, watermark, certification, symbol, code, image, sequence of numbers or letters, or other feature that either individually or in combination with another feature is used by the issuing authority on an identification document, document-making implement, or means of identification to determine if the document is counterfeit, altered, or otherwise falsified ; ( 2 ) the term document-making implement means any implement, impression, template, computer file, computer disc, electronic device, or computer hardware or software, that is specifically configured or primarily used for making an identification document, a false identification document, or another document-making implement ; ( 3 ) the term identification document means a document made or issued by or under the authority of the United States Government, a State , political subdivision of a State, a sponsoring entity of an event designated as a special event of national significance, a foreign government, political subdivision of a foreign government, an international governmental or an international quasi-governmental organization which, when completed with information concerning a particular individual, is of a type intended or commonly accepted for the purpose of identification of individuals ; ( 4 ) the term false identification document means a document of a type intended or commonly accepted for the purposes of identification of individuals that ( A ) is not issued by or under the authority of a governmental entity or was issued under the authority of a governmental entity but was subsequently altered for purposes of deceit ; and ( B ) appears to be issued by or under the authority of the United States Government, a State , a political subdivision of a State, a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international governmental or quasi-governmental organization ; ( 5 ) the term false authentication feature means an authentication feature that ( A ) is genuine in origin, but, without the authorization of the issuing authority, has been tampered with or altered for purposes of deceit ; ( B ) is genuine, but has been distributed, or is intended for distribution, without the authorization of the issuing authority and not in connection with a lawfully made identification document, document-making implement, or means of identification to which such authentication feature is intended to be affixed or embedded by the respective issuing authority ; or ( C ) appears to be genuine, but is not ; ( 6 ) the term issuing authority ( A ) means any governmental entity or agency that is authorized to issue identification documents, means of identification, or authentication features ; and ( B ) includes the United States Government, a State, a political subdivision of a State , a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international government or quasi-governmental organization ; ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ) ) ; ( 8 ) the term personal identification card means an identification document issued by a State or local government solely for the purpose of identification ; ( 9 ) the term produce includes alter, authenticate, or assemble ; ( 10 ) the term transfer includes selecting an identification document, false identification document, or document-making implement and placing or directing the placement of such identification document, false identification document, or document-making implement on an online location where it is available to others ; ( 11 ) the term State includes any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico , and any other commonwealth , possession, or territory of the United States ; and ( 12 ) the term traffic means ( A ) to transport, transfer, or otherwise dispose of, to another, as consideration for anything of value ; or ( B ) to make or obtain control of with intent to so transport, transfer, or otherwise dispose of.
( e ) This section does not prohibit any lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency of the United States, a State, or a political subdivision of a State, or of an intelligence agency of the United States, or any activity authorized under chapter 224 of this title.
( f ) Attempt and Conspiracy.
Any person who attempts or conspires to commit any offense under this section shall be subject to the same penalties as those prescribed for the offense, the commission of which was the object of the attempt or conspiracy.
( g ) Forfeiture Procedures.
The forfeiture of property under this section, including any seizure and disposition of the property and any related judicial or administrative proceeding, shall be governed by the provisions of section 413 ( other than subsection ( d ) of that section ) of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ).
( h ) Forfeiture ; Disposition.
In the circumstance in which any person is convicted of a violation of subsection ( a ), the court shall order, in addition to the penalty prescribed, the forfeiture and destruction or other disposition of all illicit authentication features, identification documents, document-making implements, or means of identification.
( i ) Rule of Construction.
For purpose of subsection ( a ) ( 7 ), a single identification document or false identification document that contains 1 or more means of identification shall be construed to be 1 means of identification.
I did not create this inquiry and when I contacted XXXX WITH THE ID THEFT AFFIDAVIT FORM not ONLY should it have been REMOVED! The credit bureau should have invoked 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
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Date it occurred on XX/XX/XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX, TX XXXX I RESERVE MY RIGHTS UNDER UCC 1-308 ; THEESE COMPANIES ARE IN VIOLATION OF MY CONSUMER RIGHTS UNDER US CODE 1605 AND US CODE 1638. XXXX XXXX XXXX INC.VIOLATED MY RIGHTS AS A CONSUMER BY STACKING FEES AND INSURANCE PREMIUMS INTO MY AMOUNT FINANCED, ORIGINAL PRICE XXXX TOTAL SALE PRICE CAME OUT TO XXXX WITH ILLEGAL DOWN PAYMENT OF XXXX PLUS ANOTHER XXXX AT SIGNING WITCH " SIGNATURE '' I REVOLK UNDER UCC 1-308. CAPITAL ONE AUTO FINAN ALREADY PRE APPROVED, MY PERSON FOR XXXX. THE AMOUNT FINANCED FOR THIS ERRONEOUS LOAN IS WRONG, WHICH MEANS MY FINANCE CHARGE IS WRONG, THAT BEING SAID MY PAYMENTS ARE WRONG AND TO HIGH. I ALSO HAD A XXXX PLUS CREDIT SCORE THAT WAS AFFECTED AND NOT TAKEN INTO CONSIDERATION. THEY GAVE ME TWO RETAIL PURCHASE AGREEMENTS WITH DIFFERENT FIGURES AND SUMS, I FEEL SO VIOLATED, ALSO UNDER US CODE 1662 ( 2 ) NO DOWN PAYMENT WAS NEEDED TO EXTEND MY PERSON CREDIT YOUR EMPLOYEE XXXX XXXX TOLD ME THAT MY CAR WAS NEW ON THE RETAIL PURCHASE AGREEMENT, BUT ON THE ERRONEOUS GAP WAIVER THAT SHOULD NOT HAVE BEEN INCLUDED IN FINANCE CHARGE SAID THE VEHICLE WAS USED. WITH THE MILEAGE BEING ( XXXX ) AND ACCURATE, ON ONE AGREEMENT ON THE OTHER IT SAYS ITS NOT ACCURATE. ALSO, MY PREMIUM SHOULD BE INCLUDED IN THE FINANCE CHARGE. I SHOULD NOT BE PAYING OUT OF POCKET TO 3RD PARTIES. I ALSO UNDER UCC 3-104 I NEVER GOT A FINANCIAL INSTRUMENT FROM FINANCIAL INSTITUTION ( CAPITAL ONE AUTO FINAN ) TO FUND THIS TRANSACTION ; IF SO I WOULD LIKE TO RECEIVE ACCOUNT LEDGER FROM CAPITAL ONE AUTO FINAN TO PROVE A TRANSACTION WAS MADE.I DID NOT RECEIVE A TRUTH IN LENDING OR RIGHT TO RECESSION DISCLOSURES UNDER USC 1640 THIS IS A BREACH IN CONTRACT, I WANT TO BE COMPENSATED FOR MY INJURY PAIN AND SUFFERING IN DAMAGES, I WAS UNFAIRLY TREATED DISCRIMINATED AGAINST AND UNDER USC 1611 I WILL HOLD EVERYONE ACCOUNTABLE WHO WILLFUL KNOWINGLY TRICKED ME INTO THIS CONTRACT. Please be advised you have a letter to CFPB, this is my First WRITTEN REQUEST and that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. THE FTC IS INVESTIGATING THIS MATTER ALSO YOU ARE NOW UNDER FEDERAL LAW. BELOW ARE MY DEMANDS I WILL EXPECT COMPENSATION WITH IN 15 DAYS OF THIS REPORT.
I DEMAND MY TITLE AND FOR THIS LOAN TO BE PAYED OFF IN FULL ALSO ANY LATE PAYMENTS SHALL BE DELETED I DEMAND XXXX IN DAMAGES FOR MY RIGHTS BEING VIOLATED I DEMAND MY DOWN PAYMENT OF XXXX THAT SELLER TOOK FORM ME I DEMAND THE PAYMENTS BACK FROM THIS LOAN IN TOTAL OF XXXX X XXXX XXXX XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) [ Definitions. ] In this section : ( 1 ) " Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).
( 2 ) " Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.
( 3 ) " Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.
( 4 ) " Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.
( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.
( c ) [ Request regarding list of collateral ; statement concerning type of collateral. ] A secured party that claims a security interest in all of a particular type of collat
eral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt.
( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral.
( e ) [ Request for accounting or regarding statement of account ; no interest in obligation claimed. ] A person that receives a request for an accounting or a request regarding a statement of account, claims no interest in the obligations when it receives the request, and claimed an interest in the obligations at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the obligations; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the obligations.
( f ) [ Charges for responses. ] A debtor is entitled without charge to one response to a request under this section during any six-month period. The secured party may require payment of a charge not exceeding {$25.00} for each additional response.
1-308. Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
( b ) Subsection ( a ) does not apply to an accord and satisfaction.
1-306. Waiver or Renunciation of Claim or Right After Breach.
A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an 18 U.S.C. 8 I owe no debt All debts are united states obligations The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
( June 25, 1948, ch. 645, 62 Stat. 685. ) 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.
For the purposes of section 3 ( a ) ( 5 ) ( C ) of the Act ( 15 U.S.C. 78c ( a ) ( 5 ) ( C ) : ( a ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.
( b ) The term consumer-related receivable means any obligation incurred by any natural person to pay money arising out of a transaction in which the money, property, insurance, or services ( being purchased ) are primarily for personal, family, or household purposes.
( c ) The term member as it relates to the term syndicate of banks means a bank that is a participant in a syndicate of banks and together with its affiliates, other than its broker or dealer affiliates, originates no less than 10 % of the value of the obligations in a pool of obligations used to back the securities issued through a grantor trust or other separate entity.
( d ) The term obligation means any note, draft, acceptance, loan, lease, receivable, or other evidence of indebtedness that is not a security issued by a person other than the bank.
( e ) The term originated means : 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.
( 1 ) Funding an obligation at the time that the obligation is created ; or ( 2 ) Initially approving and underwriting the obligation, or initially agreeing to purchase the obligation, provided that : ( i ) The obligation conforms to the underwriting standards or is evidenced by the loan documents of the bank or its affiliates, other than its broker or dealer affiliates; and ( ii ) The bank or its affiliates, other than its broker or dealer affiliates, fund the obligation in a timely manner, not to exceed six months after the obligation is created.
( f ) The term pool means more than one obligation or type of obligation grouped together to provide collateral for a securities offering.
( g ) The term predominantly originated means that no less than 85 % of the value of the obligations in any pool were originated by : ( 1 ) The bank or its affiliates, other than its broker or dealer affiliates; or ( 2 ) Banks that are members of a syndicate of banks and affiliates of such banks, other than their broker or dealer affiliates, if the obligations or pool of obligations consist of mortgage obligations or consumer-related receivables.
( 3 ) For this purpose, the bank and its affiliates include any financial institution with which the bank or its affiliates have merged but does not include the purchase of a pool of obligations or the purchase of a line of business.
( h ) The term syndicate of banks means a group of banks that acts jointly, on a temporary basis, to issue through a grantor trust or other separate entity, securities backed by obligations originated by each of the individual banks or their affiliates, other than their broker or dealer affiliates.
[ 68 FR 8700, Feb. 24, 2003 ] 1026.23 Right of rescission.
( a ) Consumer 's right to rescind.
( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period.
( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.
( 3 ) ( i ) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.
( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).
( 4 ) When more than one consumer in a transaction has the right to rescind, the exercise of the right by one consumer shall be effective as to all consumers.
( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.
( ii ) The consumer 's right to rescind the transaction.
( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.
( iv ) The effects of rescission, as described in paragraph ( d ) of this section.
( v ) The date the rescission period expires.
( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.
( c ) Delay of creditor 's performance. Unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. ( d ) Effects of rescission.
( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tenders of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.
( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.
( e ) Consumer 's waiver of right to rescind. The consumer may modify or waive the right to rescind if the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency. To modify or waive the right, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the right to rescind, and bears the signature of all the consumers entitled to rescind. Printed forms for this purpose are prohibited.
( f ) Exempt transactions. The right to rescind does not apply to the following : ( 1 ) A residential mortgage transaction.
( 2 ) A refinancing or consolidation by the same creditor of an extension of credit already secured by the consumer 's principal dwelling. The right of rescission shall apply, however, to the extent the new amount financed exceeds the unpaid principal balance, any earned unpaid finance charge on the existing debt, and amounts attributed solely to the costs of the refinancing or consolidation.
( 3 ) A transaction in which a state agency is a creditor.
( 4 ) An advance, other than an initial advance, in a series of advances or in a series of single-payment obligations that is treated as a single transaction under 1026.17 ( c ) ( 6 ), if the notice required by paragraph ( b ) of this section and all material disclosures have been given to the consumer.
( 5 ) A renewal of optional insurance premiums that is not considered a refinancing under 1026.20 ( a ) ( 5 ).
( g ) Tolerances for accuracy - ( 1 ) One-half of 1 percent tolerance. Except as provided in paragraphs ( g ) ( 2 ) and ( h ) ( 2 ) of this section : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.
( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.
( 2 ) One percent tolerance. In a refinancing of a residential mortgage transaction with a new creditor ( other than a transaction covered by 1026.32 ), if there is no new advance and no consolidation of existing loans : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.
( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.
( h ) Special rules for foreclosures - ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( i ) A mortgage broker fee that should have been included in the finance charge was not included ; or ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission.
( 2 ) Tolerance for disclosures. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.
( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.
[ 76 FR 79772, Dec. 22, 2011, as amended at 78 FR 30745, May 23, 2013 ; 78 FR 60440, Oct. 1, 2013 ; 82 FR 37769, Aug. 11, 2017 ] 15 U.S. Code 1638 - Transactions other than under an open-end credit plan ( a ) Required disclosures by creditor For each consumer credit transaction other than under an open-end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.
( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less down payment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit.
15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
28 U.S. Code 3002 - Definitions ( 1 ) Counsel for the United States means ( A ) a United States attorney, an assistant United States attorney designated to act on behalf of the United States attorney, or an attorney with the United States Department of Justice or with a Federal agency who has litigation authority ; and ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States.
( 2 ) Court means any court created by the Congress of the United States, excluding the United States Tax Court. ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ; or ( B ) an amount that is owing to the United States on account of a fee, duty, lease, rent, service, sale of real or personal property, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by the United States, or other source of indebtedness to the United States, but that is not owing under the terms of a contract originally entered into by only persons other than the United States ; and includes any amount owing to the United States for the benefit of an Indian tribe or individual Indian, but excludes any amount to which the United States is entitled under section 3011 ( a ).
31 U.S. Code 3123 - Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.
( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.
( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 945. ) Definition : payment from 15 USC 78m ( q ) ( 1 ) ( C ) payment ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter; and ( 2 ) s
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07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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My First & LAST name, My Street NUMBER & Street NAME, and My City and State are as Follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee TODAY IS XX/XX/2019 ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right MY PERSONAL 20-digit TRACKING NUMBER IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, fcra compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : You have listed an inaccurate Public Record on my credit file. I need to have it removed as soon as possible. I am filing this dispute of the Public Record Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular public record including if this was obtained by a third party Information Broker and if the information was provided in Metro-2 format and updated by the information provider to include complete personal identifiers including Full Legal Name and Address. I have been advised by my family attorney that his investigation of this erroneous public record leads him to believe that your firm has MIXED my file information and inappropriately assigned this public record to my credit report.
Here is the erroneous record you are reporting.
The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification or validation requests by electronic means for civil judgments or liens? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so.
I am attempting to confirm the testimonial composed certificate to the every single one even each any and or all of facts to the truth, accuracy, completeness and compliance ( including even to Metro 2 data field formatted reporting ) of the process and procedure used in your office for the alleged validation and verification of any and all Liens ( be it state tax lien, federal tax lien, civil lien, property lien, mechanics lien, and or lien else wise, mentioned here or not ) and Judgments ( again be it civil, federal, or even lawfully criminal should you be so derelict of dutiful responsible and reliable reporting that you might be considered an enabler of fraud and or identity theft. Being the severe and sensitive nature of this here formal consumer complaint, your obligation at a minimum would include you could assuredly physically and manually reviewing and thereafter genuinely answering the following questions to irrefutably clarify a legal situation for me.
To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides verification any of the Personal Information such as correct name, address or Date of birth for validation inquirys?
I am of great confidence you do realize and abide by such understanding that any and all parties reporting debt ( s ) and or derogatory credit information must respond to consumer inquiries. All parties reporting credit information must comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), any applicable state laws and regulatory authorities. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the Date of First Delinquency is used to comply with FCRA sections 605 and 623 ( obsolescence period ). Testimony now to the fullness of adequate reporting of the Date Of First Delinquency here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.
To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides information related to how long any such court Clerk 's office maintains records of civil actions?
To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides answer written requests for validation of civil judgments or liens?
Any and all Third Party Collection Agency ( s ) is ( are ) a company ( ies ) or individual ( s ) who specializes in collecting outstanding debts for other businesses or individuals, therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Any and all Debt Purchaser ( s ) / Factoring Company ( s ) is ( are ) a company ( ies ) or individual ( s ) who regularly purchases accounts with the intent of collecting debts owed and or reporting any claim of derogatory otherwise, .therefore meet the minimum criteria for being compelled to be and only be true, accurate, complete, timely, and metro 2 compliant reliably and minus uncertainty. Testimony now to the fullness of adequate reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.
Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report data in the standard Metro 2 Format. Testimony now to the fullness of adequate standard Metro 2 Format reporting here and now in composed writ document of the certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. 6-Will your Clerk 's office respond to telephone inquiries about civil judgments or liens?
Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report at least on a monthly basis. Testimony now to the fullness of adequate monthly standard Metro 2 Format reporting here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.
Any and all data furnisher ( s ) claiming any and all alleged consumer debt ( s ) and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names. Testimony now to the fullness of adequate standard Metro 2 Format reporting including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place. Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must report the individual 's complete and unique account number as extracted from the alleged consumers file. Testimony now to the fullness of adequate standard Metro 2 Format reporting including the alleged consumers complete and unique number as extracted from the same identified and exact alleged consumer here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.
To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office participates with or is a member of an electronic system that allows other agencies or private parties to validate or verify court information? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so.
The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : COURT # 1 OF RECORD-DOCKET NUMBER or ACTION NUMBER-DATE FILED XXXX XXXXXX/XX/2019 Notation : : Please Provide Physical Proof of COMPLIANCE and Verification NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SO PROVE NOW OR DELETE THE CLAIM To date, unlawfully might I add, no accusing entity ( ies ) even court ( s ) alleged has informed me if their Clerk 's office provides Validate or Verify information requests from 3rd Parties? Unless you have evidence to the contrary, you absolutely can not logically confirm any information and as a legal mandate the record of unproven truth, correctness and compliance must be eradicated immediately without delay and or injuries versus me as a consumer within my lawful consumer and civil rights to do so.
Any data furnisher claiming and alleged consumer debt and or derogatory otherwise must truthfully, correctly, completely and proven compliantly report the internal code ( s ) that unmistakably identifies every and one even each any and or all of the third party collection agency ( ies ) /debt purchaser ( s ) /factoring company (
ies ) where information is certified to be lawfully and irrefutably proven verified. Testimony now to the fullness of adequate standard Metro 2 Format reporting of the internal code ( s ) including exacting compliantly reported complete name, address and social security number of the legally liable consumer ( s ), using the joint section for reporting secondary names here and now in composed writ document of certificate acknowledging undoubted regulatory and obligatory standards of proper reporting has and or is taken place.
9-Does your Clerk 's office report public information and Data in the Metro-2 format?
Thank you sincerely for your TIME and answers to my questions. I have included a self-addressed stamped envelope with my letter today, if you would be so kind to sign and title the response and place it in the envelope and return it to the outgoing mail it would be greatly appreciated.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
ii XXXX Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable )
, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws
related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, al
pha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the
address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is an automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, XXXX is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied evenly and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ).
Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED XXXX XXXX FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( XXXX ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( XXXX ) versus me, particularly if currently announced item ( XXXX ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified XXXX XXXX format reporting standard ( XXXX ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( XXXX ) and or debt ( XXXX ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( XXXX ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( XXXX ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( XXXX ) of - and - and - as my XXXX REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( XXXX ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX XXXX Page XXXX REMOVE the display reported Consumer 's Birth Year ( XXXX ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following XXXX to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX Base Segment Character Format XXXX Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Record ... XXXX Header Record Packed Format XXXX Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation CAP ONE AUTO XXXX XXXXXXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX V Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPONEAUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number XXXX XXXX^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXXXXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency XXXX XXXX XXXXXXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^XXXX^ Account Status Information : ^XXXX^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX CAP ONE AUTO XXXX XXXX XXXXXXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed -- XXXX XXXX XXXX XXXXXXXX Joint Joint Auto Loan Auto Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page XXXX ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^XXXX^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History N/A N/A Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber.
N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As for the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a XXXX XXXX non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of Page XXXX their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
Bearing attention to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
As for the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
As for the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^NTCU^ Account Status Information : XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^NTCU^ Date Last Verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete XXXX timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In cognizance to the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict!
In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as XXXX is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format XXXX, and as such are Page XXXX XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In regard to item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict!
In regard to item questioned above, Account XXXX XXXX reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
In cognizance to the item questioned above, Data Reporter Name reported as CAPITAL ONE for XXXX, CAPITAL ONE for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In cognizance to the item questioned above, Data XXXX XXXX Address reported as XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant
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03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : CAPITOL ONE BANK USA XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX, XXXX Fl.
XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/31/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Capital One Quicksilver The nature of this Consumer Credit Transaction is Summed to 15 U.S. Code S 1692 - Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Pursuant to 18 U.S. Code 1014 - Loan and credit applications generally ; Capital one is in violation for knowingly making any false statement or report, or willfully overvalues any land, property or security. Form of Identity theft exists in these Consumer Credit Transactions with Capital one false claiming & assuming vital roles as the Creditor, administrator, lender, beneficiary. I am the beneficiary which does not pay debt, trustee pay debt which is Capital one. Capital one is the trustee thats obligated to the Beneficiary, I. I am suppose to be able to trust Capital one with overlooking accounts, complying with my demands & Request. Capital one has failed to lawfully conduct business properly, not throughly & carefully investigating the nature of ALL Disputes & Documents but fraudulently coming after I for bills I am not obligated to pay for nor possible to pay with no Gold or Silver substance pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money. Coming up with many ways deceptive forms to coerce me for payment of a bill. All phone calls I had with Capital one the Customer service was horrible with no one being able to actually help but only make the situation worst causing more damages correlating to Civil Liabilities pursuant to 15 USC 1692k. Every interaction I had with capital one in good faith has been neglected & dismissed, not once did I see any attempt of Capital one displaying lawful consideration. Not once have I been informed of my Rights will full disclosure as an Consumer. An Consumer have Rights constructed under a system in place for the them called Consumer Protection Laws.
Employees misinforming you of your Consumer Rights, seems inevitable to happen if they are looking at you as an Customer instead of the Consumer. Capital one has failed to Realize or take Accountability of the fact that this is an Consumer Credit Transaction & fails to innerstand what Consumer Protection Laws is. Consumer protection laws safeguard purchasers of goods and services against defective products and deceptive, fraudulent business practices. Businesses like this knowing the true nature of what it possess leaves no excuse for them to not make the Right & lawful consideration. Disobeying & Neglecting Consumer Protection Laws as if they are above it, feeling like they dont have to comply with. Capital one referring to me as an Customer. A Consumer & an Customer are two separate things. Last time I checked you will not be able to find the word Customer related or under Consumers Protection Laws. Giving I, the Consumer deceptive information while I Am Embracing or Exercising my Consumer Laws Rights resulted in Capital One closing my account. So because I was exercising my Consumer Rights my account has been closed by Capital one. Coercing me for payment Capital one has but when trying to pay with a payable instrument it is not recognized as payment. I have accepted coupons for value & returned to sender extinguished somehow I was told they are not accepting that form of payment yet pursuant to UCC 3-603 TENDER OF PAYMENT, UCC 3-104 NEGOTIABLE INSTRUMENT, UCC 3-110 IDENTIFICATION OF PERSON TO WHOM INSTRUMENT IS PAYABLE it is illegal for them not to accept that form of payment. The form of payment is acceptable but they coerce you to use your FRNs for payment only. Paying with FEDERAL RESERVE NOTES are optional. Capital one has been Reporting my account as delinquent while in dispute. Capital one will not/can not bind me to there contract as I am the only one with verifiable risk. I have the Right to release myself from any contracts I put myself in. Civil and criminal liability for willful noncompliance to keep me obligated to terms thats not binding & not releasing funds thats due to I, the Consumer as I demanded & requested lawfully. With an Billing error notice acknowledging how my billing is incorrect being aware it is an Credit balance. Pursuant to 15 U.S. Code 1666d - Treatment of credit balances- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Capital one has Neglected my Demand of remaining credit balance, displaying many acts of not doing business in good faith or having any lawful consideration.
Benefit of an obligor, in every Consumer Credit Transaction the entity refers to the Consumer paying the bill as the obligor as they are obligated to pay under there terms, which Capital one sure does view me as in this contract holding me obligated to there terms. Capital one has been using many deceptive forms to coerce payment from me for fictitious alleged debt, thats actually coerced debt under constructive fraud without any validation there is an actual debt on my behalf. Informing me how youve found my account in the system and its mines with the wrong address on it isnt/doesnt validate the debt itself, thats specifically validation to the fact that its one of my accounts. Without sending proper validation of debt, sending me a billing statement with transactions experiences all over it isnt debt validation. Pursuant to 15 U.S. Code 1692g - Validation of debts ( 3 ) & ( 4 ), I have not received any of those statements. Failure to properly disclose within five days after the initial communication with a consumer in connection with the collection of any debt. The contracts in whole & part are null and void with Capital one conducting In business outside of its lawful mandate ( Ultra Vires ). If banks are not suppose to loan money ( Own Stock ) pursuant to 12 USC 83 whos credit is Capital one loaning then? Pursuant to 12 U.S Code 83 the fact that Capital one takes ownership claiming to loan me money is an violation. 12 U.S. Code 83 - Loans by bank on its own stock - a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. Loaning the credit of the people since XXXX in form of promissory notes, there is no real money in circulation. As you can see Banks is leasing the credit of the people of United States back to them with unlawful fees, interest & charges. The greed to triple dip or more on someones credit & not repay them or compensate them is truly fraudulent. True Full Accounting of where the funds are being pulled from has not been provided as I requested & demanded. Im sure wont ever be provided as Ive ask for the full accounting of this Consumer Credit Transaction back in XXXX of XXXX. True Full Accounting would show exactly where the credit or money stems from. It is my Credit I am being leased back plus interest, late fees which shouldnt exist pursuant to 15 U.S. Code 1666b - Timing of payments. Full faith & Credit of the United States is backed by the people. Minimum payments and all other charges are violations in the process of the Consumer Credit Transaction/ Consumer Goods Transactions , false representations of dollar amounts owed or due pursuant to 15 U.S. Code 1692e - False or misleading representations ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt. Pursuant to 15 U.S. Code 1605 - Determination of finance charge, Finance charge shall be the only charge in this Consumer Credit Transaction as its suppose to cover the sum of all charges not leaving a bill behind. UCC 1026.4 Finance charge ( a ) Definition - The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Finance charge is the sum of all charges including fees, interest any/all other charges therefor in a lawful Consumer Credit Transaction 1 charge should have been it. False/inaccurate information from is given to me every interaction with Capital one, deceptive forms pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms. Capital one Displaying unfair practices pursuant to 15 U.S. Code 1692f - Unfair practices -A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Continuously oppressing, harassing & Neglecting I and my demands affecting my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Constantly telling me I am obligated under Capital one terms and my Accounts are late/due for payments. Informing me they can report false information to the CRAs because they claim the information being report is correct and valid yet has not used the proper procedures to lawfully determine the facts.
Capital one is on a Cease & Desist notice pursuant to 15 U.S. Code 1692c these are the only acceptions Capital one may reach out to me now 15 U.S Code 1692c - Communication in connection with debt collection ( C ) Cease communication, expect 1. to advise the consumer that the debt collector 's further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. There should be no other reason Capital one contacts I furthermore for any bills or payment on any of my Accounts. Capital one doing adverse action on my credit card due to disputes. Unlawful to close a Consumers account due to them expressing their Consumer Laws. Capital one has completely failed to give me proper communications. Failure to give any validation of debt pursuant to 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS The Original Creditor is not Capital One, I AM the Original Creditor whose credit I am using, Deceived by identify theft, misrepresentation. Capital one doesnt have credit nor money but using the credit & funds of the people to fulfill its business life. If people were to stop applying for these credit applications using there SSN which is a credit card with funds & stop funding these businesses then how would they be able to provide any service if not needed. Capital one whole business model is set up as fraud. Coerced debt is forced debt. Capital one has failed to give me Full Disclosure of my right to dispute the validity of the debt so I may be informed how to go about clarifying the validation of the debt or anything else related to Consumer Credit Transaction Im suppose to know in initial communication with Capital one was not received. Taking advantage of 15 USC1692g Validation of debts not giving full disclosure, I was obviously not aware of being able to dispute the validity of debt from the beginning, the 1st initial communication between I & Capital one. Paying for things thats already paid for because Ive never dispute validity of debt & continuously making monthly payments in good faith further proving the debt was in valid. Giving Capital one room to assume the debt was valid but once I start disputing & exercising my Consumer rights nothing changes with Capital one as they insist on neglecting my Consumer rights. Capital one is in violations of criminal & civil liability pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, Civil liability pursuant to 15 U.S Code 1692k, 15 U.S. Code 1611 - Criminal liability for willful and knowing violation & 15 U.S. Code 1640 - Civil liability. Capital one has been informed of all of there ill will with documents sent marked with all the violations proof that pinpoints exactly how it is a violation & where it has been. Limited to the violations I found, not all that exist. There violations has been blind eyed. Capital one couldnt rebuttal or properly respond to any of my Documents in a timely manner or in general. Unrebutted Affidavits stands as truth & its past Capitals one deadline to lawfully pinpoint any issues on the Affidavits they may believe is not true or incorrect. Capital one should be ashamed for how unprofessional, unethical & lack of morals they posses as there nature. Form of payment with amounts for violation was given, clearly to satisfy the damages they cost upon I, the Consumer civil & criminal liabilities. I have tried all I can in good faith to settle & satisfy my Accounts in a lawful manner while being neglected. All demands/requests made to Capital one as the beneficiary, Consumer has been denied. Capital one has shown there incapability of not being able to make any proper or lawful consideration in conducting healthy business. Working closely together with CRAs they collaborated with damaging my credit worthiness, general reputation & mode of living. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. About 6 months in dispute with Capital one they have failed to properly update my accounts communicating it with CRAs so all is aware. Failed to communicate with I in an lawful manner about notices like my account being closed the first couple months in dispute with them. Failed to respect any of my rights as the Consumer, neglected all forms of Documents received not willfully complying to any demands/requests. Its clear NFCU is in violation of many of my rights in this Consumer Credit Transaction as an consumer. 15 U.S. Code 6803 - Disclosure of institution privacy policy a financial institution shall provide a clear and conspicuous disclosure to such consumer. Note : Just because no more violations arent listed doesnt mean there isnt any more done in These consumer credit transactions, as stated in 15 USC 1692 There is ABUNDANT EVIDENCE of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Capital one completely failed to give me any procedures on how theyve come up any of the claims or conclusions they have like validation of debt or them having the right to report how they are currently reporting false information that can not or hasnt been proving etc. The time gap for Capital one to have sent any documentation elaborating the procedures for any claims or chances to rebuttal Affidavits or any other Documentation is closed. The duration of those procedures does not take months to attend to especially with it being a requirement by law that they reply within a given duration they have failed to constantly do. Furthermore to interfere With our proper timing of communications on all forms Capital one has been sending Mail to an address thats previous on my account but I am not attending to or an residence at no longer. Nor is it a Primary address or an Address in usage.
FINAL NOTICE TO ALL.
Affiliations & Partnerships of CAPITAL ONE Conduct Lawful business with the Greatest Intentions of being in Service of the People to help YOU pay your Karmic Debt youve been harnessing, collecting since the Birth & Establishments of your entities. Capital one claims to not take fault for any damages done - UCC filing completed - Secured Party Creditor - I AM EXEMPT from all you try to enforce & coerce upon I.
- The Secured Party/ Creditor is also able to discharge debts, because he is exempted from debts in the first place. This is done using the '' Acceptance for Value '' principle.
- I have accepted for value & returned to sender settled & satisfied in good faith - A secured party is also legally backed to only transact using gold and silver. But since this has been expunged due to the government 's bankruptcy sham, the secured party is therefore not mandated to pay such debts or taxes in gold or silver, because they are not available.
- Since congress borrows " money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not " real money of account of the United States '' that " pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only " discharge. '' - Entity, Corporations doesnt have wet ink signature ( Fictitious Being ) Paid attention or belief makes it real - Belief in any system makes It Alive - Also, the state is a " debtor '' and therefore can not compel a Secured party who is a " creditor '' to pay anything. They borrowed from people of America in the first place, and therefore are indebted to the American People ( People of the Land ) - We the people provide the credit for every instrument that we endorse the very instant we endorsed it.
- Our signature represents the intangible personal credit that we provide. We only have to pay for what we get with money substitutes ( FRNs ) because our suppliers usurp our personal credit exemption for their own use when we fail to object and do not demand our personal credit exemption for ourselves. They can't do this when we object.
- All taxes are interest payments that accrue from the principle of the lenders of personal credit ( meaning us ) to the lending institutions of the corporate UNITED STATES, and these interest payments must be returned to the lenders of personal credit ( to us ), when so claimed, for the close of escrow lest we be found guilty " for failing to make the return ''.
- All Billing statements Violation Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions - the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; - Consumers Report is an Billing Statement - A billing statement is a monthly report that credit card companies ' issue to credit card holders showing their recent transactions, monthly minimum payment due, and other vital information. Billing statements are issued monthly at the end of each billing cycle. Violations All over Billing statements with symbols, being deceptive form etc pursuant to 15 U.S. Code 1692j -Furnishing certain deceptive forms, 15 U.S. Code 1692f Unfair practices Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram & 15 U.S. Code 16926 -Acquisition of ocation information ( 5 ) ( B ) - 15 U.S. Code 1692b- Acquisition of ocation information - 33 U.S. Code 931 - Penalty for misrepresentation - 15 U.S. Code 1692f - Unfair practices - 15 U.S. Code 1681 m- Requirements on users of consumer reports- 18 U.S. Code 242 - Deprivation of rights under color of law - 18 U.S. Code 8 - Obligation or other security of the United States - 18 U.S. Code 241 - Conspiracy against rights - 15 U.S. Code 1692e - False or misleading representations - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681n - Civil liability for willful noncompliance - 15 U.S. Code 1681o - Civil liability for negligent noncompliance - 15 U.S. Code 1611 - Criminal liability for willful and knowing violation - 31 U.S. Code 3729 - False claims - 18 U.S. Code 1014 - Loan and credit applications generally ; renewals and discounts ; crop insurance - 15 U.S. Code 1693n - Criminal liability - 15 U.S. Code 1692c -Communication in connection with debt collection - 15 U.S. Code 1692k - Civil liability - 15 U.S. Code 1692d - Harassment or abuse - 15 U.S. Code 1692g - Validation of debts - No Valid verification of debt just word of mouth accusing of alleged debt.
- Coupon : " A coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after a specified time for the collection of interest. '' - Coupon Bonds : " bonds to which are attached coupons for the several successive installments of interest to maturity.
- As the Beneficiary, Administrator, Lender, Original Creditor, Consumer, Organic Living Being I DO NOT OWE anything to any corporation, entity or man - Beneficiaries dont pay debt, Trustees do which is CAPITAL ONE - CAPITAL ONE is the debtor, trustee - CAPITAL ONE Is not the creditor, Lender - I Am the Original Creditor, Beneficiary, Consumer- Not accepting negotiable instrument making account more late - Have not returned any payment coupons but claim payment was not accepted, yet payment delivered & not returned - Fictitious Debt this is, Made Up Debt, EX. Would be print more money to seem wealthy which the U.S does naturally due to being Fraudulent by Nature.
- The U.S is in Debt, I AM Not in Debt to any entity or persons - Banks are in debt, I AM not in Debt - The U.S & Banks borrowing the credit from the people with no intentions on returning it - Credit of the U.S is backed by the People of America - Debt belongs to the trustees - The U.S is suppose to be my Trustee, responsibility being reassuring my Accounts are in my benefit of Great Standings. Beneficial to I the Beneficiary.
- All Corporations who has Access to any of my Accounts are my Trustee working for I, The Beneficiary.
- Trustee is suppose to be in service of the beneficiary - Debt belongs to the U.S as it is their duty to fulfill their obligations pursuant to 18 U.S. Code Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, - Coerced debt is an form of identity theft - Identity Theft assuming the Role of a Original Creditor, I AM.
- CAPITAL ONE has a Wrong Number thats not mines under Personal Information - CAPITAL ONE has claimed their selfs as the Creditor whos giving me this line of credit from them to I, the Original Creditor.
- True Full Accounting would show whos the Creditor - A U.S. law passed in 2002 to protect investors from corporate accounting fraud by improving financial reporting and auditing standards- Sarbanes-Oxley ( SOX ) -coerced debt is unlawfully fraudulent -Coerced debt is void, All you alleged me for is extinguished -Compensation shall be made for the identity theft coercing debt -1 month after in Dispute my Account was already closed? Exercising my consumer rights -identity theft claiming many vital roles of assembling & evaluating -Adverse Action on Account being closed- Unlawfully wrong & Privacy concerns of Capital One sending my mail to wrong address. Employee making excuses for capital one to send to wrong address - Capital one sending mail to an address I no longer reside at is unlawfully incorrect - Capital one informed me the debt was sold - Capital one Claims debt is valid yet hasnt sent proper documentation showing how is the debt valid - Willfully Neglecting all documents sent even certified Affidavit - No lawful consideration - Ultra vires - Willful non-compliance - Cant rebuttal but yet still trying to bind me to there terms/obligations is unlawful- Is NOT reporting accurate information but claims they are- Just because Capital is able to verify that is my account with SSN, email, phone number & date of birth does not not validate debt - I have never claimed this wasnt my account so capital one responses arent even properly handling what my complaint was about - Improperly responding to Complaints and Dissatisfaction of the Consumer - Capital one has Confirmed to me they had/have verified my SSN & date of birth they have on record, meaning its in there systems & my Account has already been paid off with my SSN credit card, a trust account attached that that pre pays bills debts. When I open the account a SSN is required. SSN prepaid the credit card.
- My SSN being on file means Credit Card was PrePaid for the amount I open the Account for my Line of Credit that was lease to me with all types of fees violating my Consumer Law Rights & other statuses.
- coercing for payment on a PAID IN FULL ACCOUNT ( DOUBLE DIPPING, TRIPLE DIPPING FOR PAYMENT THATS FICTITIOUS MAKES THE BANKS THERE PROFIT ) - Claim the first documents I delivered wasnt legible, telling me to send a separate sign letter - XXXX XXXX more Affidavits with violations on documents from capital one pinpointing violations ; Capital one has failed to rebuttal or lawfully reply - Since congress borrows " money substitutes '' ( FRNS ) on the basis of my credit since I am one of the people of the United States, Congress gives me an unlimited credit exemption that I can use to discharge the debts that I can not pay with FRNs because FRNs are not " real money of account of the United States '' that " pays '' debts. Congress permits me to use my personal credit exemption to pay charges that FRNSs can only " discharge. '' - My mutual offset credit exemption exchange was mentioned in documentation sent to CAPITAL ONE they claimed wasnt legible yet the same form was sent to XXXX & they didnt claim it wasnt legible.
- Trickery, deceptive way of collecting additional pay, requesting pay in that manner Please send us this portion of your statement and only one check ( or one money order ) payable to Capital One to ensure your payment is processed promptly. Allow at least seven business days for delivery. Payment coupon clearly acceptable for negotiable instrument - CFPB Closing all my cases yet they arent solved how I Demanded, therefore shouldnt be closed as resolved, I have no received my Remedies due to I, the Consumer for Criminal & Civil Liabilities & Damages.
- Caused damages Committing Civil & Criminal Liabilities
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03/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITOL ONE BANK USA N XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPT OF ED/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( XX/XX/XXXX ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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10/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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XXXX XXXX, Capital One Ref # XXXX Fraud, Identity Theft Capital One owes me XXXX from the XXXX check I deposited into my checking account on XXXX XXXX XXXX
They are refusing to close my account as of today XX/XX/XXXX and send my money they owe me!
They are thieves at this point and I will file small claims court if I have to!
Hello Capital One, Yesterday, I forwarded copies of all the police reports that I have filed since I have been trying to move to XXXX XXXX for XXXX XXXX and employment. Firstly, I am actually fleeing a Toxic Family situation in XXXX XXXXXXXX XXXX Me and three cats left for XXXX XXXX, about XXXX of this year knowing the following facts to be true on my attempt try and make a new start for me and my three cats XXXX XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( all girls in my family ).
Here are the true facts about me, my personal situation and how my account with Capital One went off the rails and was NEVER made my funds available to me for what I needed them for, I spoke with the Attorney Generals office of Nevada, told her my situation and she told me that I, as the customer, should have never been locked out of my account and actually accessing the funds that were in my account : -- -- -- -- -- Forwarded message -- -- -- -- - From : Library Document XXXX Date : Wed, XX/XX/XXXX at XXXX Subject : Ref XXXX To : XXXX Cc : XXXX, XXXX Attn XXXX XXXX XXXX XXXX Capital One Ref # XXXX Fraud, Identity Theft Hello XXXX XXXX Yesterday, I forwarded copies of all the police reports that I have filed since I have been trying to move to XXXX XXXX for XXXX XXXX and employment. Firstly, I am actually fleeing a Toxic Family situation in XXXX XXXX XXXX Me and three cats left for XXXX XXXX, about XX/XX/XXXX of this year knowing the following facts to be true on my attempt to try and make a new start for me and my three cats XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( all girls in my family ).
Here are the true facts about me, my personal situation and how my account with Capital One went off the rails and was NEVER made my funds available to me for what I needed them for, I spoke with the Attorney Generals office of Nevada, told her my situation and she told me that I, as the customer, should have never been locked out of my account and actually accessing the funds that were in my account : 1 Leaving Toxic Family situation 2 Came to XXXX XXXX for XXXX XXXX, cost of class was {$550.00} plus living expenses was my budget to move - XXXX XXXX Had a toxic vehicle that I sold to XXXX the week I arrived and deposited my {$1500.00} check from XXXX the week I arrived, those funds were only for dealer school and living expenses 4 My old industry is imploding on itself, there is no real work, everyone and every company is bankrupt right now.
5 I lost my real employment from the industry in XXXX went through a personal bankruptcy in XXXX I have no other credit cards or funding options XXXX XXXX employed me for 20 years, they owe me a pension, but refuse to give it to me, no lawyers will take my case either to get a disaster clause early release to live on.
7 Tried to start a class action lawsuit against XXXX XXXX for ten years of employment applications submitted and XXXX interviews, or employment.
8 Started my own business in XXXX love it,, but have never seen a XXXX in funding from the private markets or the US SBA, tried to start a class action lawsuit against the US SBA, they have twice denied my business for funding, they are happy to give our tax dollars to foreigners., but don't take care of the people who already live here.
9 Women entrepreneurs here in the USA only receive 2 % of available funds from our XXXX and XXXXXXXX XXXX you can liken this massive disparity to actually winning the lottery should you get your business funded : XXXX 10 Since moving to XXXX XXXX for a new income stream and new career we have been robbed multiple times, XXXX, to the XXXX for a XXXX and personal injuries.
11 We had everything we needed to survive in a storage unit XXXXXXXX XXXX XXXX XXXX and I have not had access to my funds to pay them, we owe them {$250.00} to get my unit back, it goes to auction this week, documents, BC, SS, work clothes, sentimental family heirlooms, cat stuff, my art portfolio off my own XXXX, I have a XXXX XXXX XXXX and my XXXX from college to now, is in that storage unit, ; please help me get my things back.
12 My XXXX children, cats are all deceased, XXXX XXXX, and XXXX and XXXX died from the move here, we were supposed to go to XXXX XXXX, the week of XX/XX/XXXX15, and did not have the card or funds available to get a motel and get us out of the massive heat here, they died from XXXX XXXXXXXX and I will never forgive myself for letting that happen.
13 The last card that Capital One issued me, I took it the Capital One XXXX that week and when I put it into the ATM to activate it, it would not activate and did not let me assign a new PIN #, and that same very evening the last card I received was stolen on Fashion Show Mall property, just outside your officeces.
14 I am not a criminal, and I could not have made any purchases myself, I never had the card, and I would only use the! XXXX budget I had for school or hotel, or phone, not another charge could have been made from me, the XXXX funds were only to be used for class, hotel and phone.
15 Please credit me the full {$1500.00} that I deposited for my employment and close my account quickly, so I can finally move on.
16 Please get me my storage unit back, with all the late fee 's and not being paid for 2 months, my outstanding bill to XXXX XXXXXXXX XXXX XXXXXXXX is {$250.00}, they are sending my items to auction this week, because you have not made my funds available to me and my cats, who also perished in from not being able to be taken care of the way they deserved.
I have also attached all the police reports, please include them into your investigation, you should also understand, customers with low credit scores don't have other forms of payment options available to them.
I am still living in a shelter, trying to get by one day at a time, please help me get my XXXX check from XXXX that was intended to give me a new start, I am not the criminal in this situation.
Kindest Regards, XXXX XXXX Show quoted text Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : [ External Sender ] Re : Ref XXXX To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Re : Ref XXXX To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : Mail Delivery Subsystem XXXX Show quoted text Show quoted text Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
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-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXXXXXX XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXXXXXX XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXX, XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/XXXX, XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Sun, XX/XX/XXXX, XXXX XXXX Subject : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Fri, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Show quoted text Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Wed, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX.
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Show quoted text Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Show quoted text -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Thu, XX/XX/XXXX, XXXX XXXX Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX XXXX XXXX Good Afternoon XXXX, Please be advised that your email has no information included/attached.
Thank you!
On Thu, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Mon, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Tue, XX/XX/XXXX, XXXX XXXX Subject : Re : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One XXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/XXXX, XXXXXXXX XXXX Subject : XXXX : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX ( Shared ) XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : Re : XXXX : XXXX : XXXX : [ External Sender ] Fwd : Delivery Status Notification ( Failure ) To : XXXX Thank you for contacting the Capital One DXXXX XXXX
This response indicates that we have received your email and that your request will be processed based on our department SLA 's listed below. Please allow the allotted time before submitting subsequent requests.
General customer inquiries and requests- Please contact Customer Protection XXXX XXXX Hold Harmless- 60-90 business days Without Entry- 90 business days Thank you, Capital One Investigations The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
On Wed, XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX
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03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Social Security # XXXX DOB : XX/XX/1987 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITOL ONE/SAKS FIFTH AVE XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX Reporting Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAP1/SAKS XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the XXXX XXXX XXXX XXXX if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. XXXXb ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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1. We were charged for a hotel booking in XXXX, Florida on XXXX XXXX XXXX and contested the charge on XX/XX/XXXX.
2. After Capital One inexplicably allowed the charge to go through, and after multiple calls with Capital One customer service representatives, in accordance with Capital One 's policies we sent the requested statement and supporting documents to the fax number Capital One provided on XX/XX/XXXXXXXX XXXX XXXX
3. Capital One then sat on the complaint for two months ostensibly while " investigating ''.
4. After my husband called them on XX/XX/XXXX, they immediately sent out a form rejection letter asserting we had not sent the requested information.
5. When my husband called to ask how they could make that statement they agreed to reopen the investigation on XX/XX/XXXX and had my husband resend the documentation previously sent on XX/XX/XXXXXXXX
6. Shortly after my husband sent the documents, we received a second form letter rejecting our claim on the grounds that we had not filed the claim with Capital One within 60 days -- a blatant and easily disproved statement.
Below is a cut paste of the Capital One letter from XX/XX/XXXX in which they acknowledge we have immediately contested the charge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX XXXX 's an update on your dispute with XXXX XXXX on XX/XX/XXXX for {$2900.00}.
We credited your account for {$2900.00}, the amount you are disputing. If you were charged any fees or interest related to that amount, we also credited your account for those. In addition, if we reported anything to the credit bureaus about this transaction, we sent them updated information.
We've asked the merchant to respond to your claim. If they provide a response, we will review it. We'll let you know if we need you to provide additional information to resolve your claim, and while we wait for your response, the charges will be placed back on your account. Please keep all documentation on hand for at least 90 days. Unless we hear back from the merchant, we consider your case closed.
If you have any questions, please give us a call at XXXX. We're available from XXXX XXXX. to XXXX XXXX. XXXX, seven days a week.
Sincerely, Capital One Transaction Support Center Thereafter, on XX/XX/XXXX, Capital One ruled that the reservation was ours, reinstated the charge, but invited us to contest further. That letter is cut and pasted below : XX/XX/XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX XXXX 's an update on your dispute with XXXX XXXX billed on XX/XX/XXXX for {$2900.00}.
When you contacted us about this, we credited your account for {$2900.00} the amount you are disputing. Since then, the merchant provided the following information to support the transaction : Confirmation showing no cancellation per policy was received So for now, we are reapplying the charge to your account, and it will appear on your next one to two billing statements. At this time, we consider your case closed.
If you still want to continue with this dispute, please send us a signed and dated letter that includes your case number, the merchant 's name, the date of the transaction, and the disputed amount by XXXX. Please also provide the following information in your letter : Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoice or purchase agreement and the date and proof of cancellation and / or return. The cancellation / return policy of the merchant, if available, and whether you were advised of the policy at the time of the sale. A description of how you tried to resolve the dispute with the merchant. A refund voucher from the merchant.
Please fax the requested information to XXXX, and allow 10 business days for us to respond. If you're unable to respond by fax, please send us the requested information to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, and allow 15 business days for us to respond.
If you have any questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX XXXX, seven days a week.
Sincerely, Capital One Transaction Support Center XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX On XX/XX/XXXX I was on an hour and half long call with a Capital One representative and a representative from XXXX. During that call, it was established that the reservation had not been made through my XXXX account, that the email associated with the reservation was not the email associated with my account, and that it was likely a phantom or fraudulent booking. The Capital One representative informed us that the call was being taped and assigned the XXXX XXXX. XXXX to the matter. The XXXX representative promised to resolve the issue within 48 hours, but thereafter, XXXX ignored all additional attempts to contact them. We were then told by the Capital One representative to submit a letter stating the results of the call and attaching the documents that established the reservation did not come from my XXXX account and demonstrating the spoof email ( XXXX ).
The email that linked to the portal is cut and pasted below : Re : XXXX XXXX XXXX, To finish processing your recent request, we need some supporting documents : Additional Information Form Any additional information related to your dispute You can upload and submit your documents by using our secure link. Dont reply to this email.
Youll need digital copies of your documents on your computer or device before you can submit them to us. If you have paper documents, you can scan them or take pictures and save them to your computer or device.
This link will be valid for 14 days. After that, you can contact us if you need assistance at XXXX, anytime, 7 days a week.
Please submit these documents as soon as you can, since we cant continue working on your request without them.
Thanks for choosing Capital One.
Submit Your Documents About this message The site may be unavailable during normal maintenance or due to unforeseen circumstances.
Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book.
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX.
Products and services are offered by Capital One, XXXX.
XXXX Capital One. Capital One is a federally registered service mark.
XXXX XXXX XXXX Thereafter, we attempted to submit a letter and supporting documents into the portal. The portal did not apparently work and we received an email from Capital One the next day informing us that we had not submitted the documents requested and that they were going to close the investigation. After we called to follow up on this message, the Capital One representative re-opened the investigation and advised us to fax the document to their attention : A copy of the email reopening the portal and investigation on XXXX XXXX XXXX is cut and pasted below : Re : XXXX XXXX XXXX, To finish processing your recent request, we need some supporting documents : Additional Information Form You can upload and submit your documents by using our secure link. Dont reply to this email.
Youll need digital copies of your documents on your computer or device before you can submit them to us. If you have paper documents, you can scan them or take pictures and save them to your computer or device.
This link will be valid for 14 days. After that, you can contact us if you need assistance at XXXX, anytime, 7 days a week.
Please submit these documents as soon as you can, since we cant continue working on your request without them.
Thanks for choosing Capital One.
Submit Your Documents About this message The site may be unavailable during normal maintenance or due to unforeseen circumstances.
gImportant information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book.
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX.
Products and services are offered by Capital One, N.A.
XXXX Capital One. Capital One is a federally registered service mark.
XXXX XXXX XXXX In accordance with these instructions we then faxed the document and exhibits to the number provided by Capital One. Included is the confirmation sheet showing the fax went through : Case Number XXXX On XX/XX/XXXX, XXXX XXXX XXXX and a Capital One representative spoke at length with a XXXX representative. This call established the following : The hotel registration in dispute appears nowhere in XXXX XXXX booking history or profile on XXXX. I have downloaded a screen grab to the Capital One site provided by your representative that demonstrates this fact. In addition, the booking reference number and pin for that booking do not appear in her booking history/profile.
The documents that XXXX provided to Capital One in response to our initial dispute prove that the reservation at issue was booked under an email ( XXXX ) that does not belong to XXXX XXXX and is not associated with her account at XXXX Accordingly, either someone other than XXXX XXXX created a nearly identical account and booked the hotel and XXXX is now illegally and fraudulently attempted to charge this to XXXX XXXX account or XXXX had a systems failure and somehow created another account for XXXX XXXX with a different email address and then booked a hotel in the same city ( XXXX, Florida ) where XXXX XXXX had initially booked a different hotel and subsequently cancelled. XXXX does not dispute that the one reservation associated with XXXX XXXX account was successfully and correctly cancelled.
It can no longer be disputed that XXXX XXXX did not book the reservation for which XXXX is attempting to charge her. The only question now is whether XXXX engaged in willful fraud or charged her for this booking through gross negligence and errors in their system.
At the end of the call yesterday with XXXX, the XXXX representative stated they would work quickly to correct the situation, at present we have heard nothing further from XXXX.
I have submitted a screen shot of XXXX XXXX account profile/history into your download system and refer to the dispute letter Capital One emailed to me on XX/XX/XXXX that proves all of the above-asserted facts. Your prompt attention to this matter is appreciated.
Sincerely, XXXX XXXX XXXX Virginia XXXX XXXX. XXXX The Exhibits that were faxed with this correspondence are below. The receipt page is the last of the attached exhibits : After making this submission and being informed by a Capital One representative that the portal would be held open and the investigation would not likely begin until a couple of weeks after the documents were faxed on XX/XX/XXXX, we made an additional submission providing Capital One on XX/XX/XXXX with additional information -- specifically, that the hotel where the reservation was made had confirmed to us that they had only charged for the first day of the reservation which meant that XXXX had pocketed the balance. That correspondence, submitted into the Capital One Portal on XX/XX/XXXX is pasted below : Case Number XXXX Further to our previous submission, faxed to and received by Capital One on XX/XX/XXXX, and pursuant to subsequent conversations with various Capital One representatives from the XXXX Department, we submit this brief in further support of our dispute with XXXX.
The crux of this dispute is as follows : In XXXX of XXXX, XXXX XXXX XXXX booked a hotel room at the XXXX House on XXXX XXXX in XXXX, Florida for the dates of XX/XX/XXXX through XX/XX/XXXX. She subsequently cancelled that reservation a few days later and received confirmation of the same. Thereafter, either through fraud or an error in the XXXX system, another reservation was made under the name of cardholder XXXX XXXX for another hotel, the XXXX on XXXX in XXXX, Florida. However, the reservation was made under a different profile and utilized a different email address than the reservation made by XXXX XXXX at the XXXX House. As a result, XXXX XXXX never received notice that a reservation had been made and the reservation at the Inn on XXXX never appeared in XXXX XXXX XXXX profile and she never received notice that such a reservation had been made in her name.
Thereafter, in or around XX/XX/XXXX, XXXX XXXX was contacted by CapitalOne about a charge made by XXXX in the amount of XXXX for a hotel reservation in XXXX. Unaware of the fraudulent reservation made in her name, but not under her profile, XXXX XXXX assumed it was for the XXXX House reservation and disputed the charge.
On or around XX/XX/XXXX, cardholder XXXX XXXX received an email from Capital One stating that XXXX had demonstrated a valid charge and that Capital One was reinstating this fraudulent charge against the XXXX. At the same time, the XXXX became aware of a second fraudulent charge from XXXX made on XX/XX/XXXX in the amount of {$130.00}.
On XX/XX/XXXX, XXXX XXXX XXXX called Capital One and spoke to a Capital One representative from the XXXX Department. After going over the situation with the Capital One representative and discovering the fraudulent charge made by XXXX for the reservation at the Inn of XXXX, XXXX XXXX and the Capital One representative called and spoke at length with a XXXX representative. According to the Capital One representative, the call which took place around XXXX XXXX and lasted over an hour, the call was recorded and the recording is inn the possession of Capital One. The call established the following facts which are not in dispute : The hotel registration in dispute appears nowhere in XXXX XXXX booking history or profile on XXXX. A downloaded screen grab of XXXX Rittingers XXXX profile that demonstrates this fact has been downloaded to the Capital One site provided by your representative. In addition, the booking reference number and pin for that booking do not appear in her booking history/profile.
The documents that XXXX provided to Capital One in response to our initial dispute prove that the reservation at issue was booked under an email ( XXXX ) that does not belong to XXXX XXXX and is not associated with her account at XXXX Accordingly, either someone other than XXXX XXXX created a nearly identical account and booked the hotel and XXXX is now illegally and fraudulently attempted to charge this to XXXX XXXX account or XXXX had a systems failure and somehow created another account for XXXX XXXX with a different email address and then booked a hotel in the same city ( XXXX, Florida ) where XXXX XXXX had initially booked a different hotel and subsequently cancelled. XXXX does not dispute that the one reservation associated with XXXX XXXX account was successfully and correctly cancelled.
When confronted with this avalanche of evidence demonstrating the fraudulent nature of this charge, the XXXX representative, on this call recorded by Capital One, promised that XXXX would get back to the cardholders within 48 hours and would rectify the situation. To date, the XXXX have not received the promised response.
5. Thereafter, the Rittingers contacted the Inn at 5th to gather more background on the fraudulent charge. During a call with an Inn manager the XXXX learned that the Inn had only charged the XXXX card for the first night of the fraudulent reservation and were shocked that XXXX had tried to enrich itself by charging the full reservation amount. Accordingly, even if the reservation had been legitimatewhich it clearly was not XXXX should only have charged the Rittingers the sum of around {$750.00}. Further evidence that booking.com was engaged in deliberate fraud against the Rittingers.
Based on the undisputed factual narrative set forth above, coupled with ( a ) the screen grab of XXXX XXXX XXXX profile and ( b ) the documents submitted to Capital One by XXXX ( which Capital One forwarded to XXXX XXXX in the two pieces of correspondence it sent to him and is already in Capital Ones possession ), along with ( c ) the recording of the conversation between XXXX XXXX, the Capital One representative from the XXXX Department, and the representative from XXXX, it is clear that the two charges XXXX made against the Rittingers were at best made in error and at worst were fraudulent in nature. As such, Capital One should reverse the charge in the amount of XXXX originally made on XX/XX/XXXX, and the charge for {$130.00} made on XX/XX/XXXX for a total amount of {$3000.00}.
Sincerely, XXXX XXXX XXXX Virginia XXXX XXXX. XXXX After making this submission, we waited. As the Capital One representative had informed us that they wouldn't likely begin to review the submitted documents until the end of XXXX and the investigation could take four to six weeks, we waited patiently for a response. Having not received a response by XX/XX/XXXX, we contacted Capital One and spoke with a customer service representative. The representative was completely clueless and informed us that the claim was denied pursuant to the terms of an international agreement that she could neither cite nor provide a copy of said agreement. Shortly after the call we received the following form letter which stated we had not provided Capital One with any of the documents they had requested -- an obvious and blatant lie. That letter is pasted below : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX XXXX 's an update on your dispute with XXXX XXXX billed on XX/XX/XXXX for {$2900.00}.
At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.
If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX XXXX, seven days a week.
Sincerely, Capital One Transaction Support Center XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX XX/XX/XXXX Case Number : XXXX XXXX Capital One. Capital One is a federally registered service mark. XXXX : XXXX : XXXX : XXXX : XXXX XXXX After making this submission, we waited. As the Capital One representative had informed us that they wouldn't likely begin to review the submitted documents until the end of XXXX and the investigation could take four to six weeks, we waited patiently for a response. Having not received a response by XX/XX/XXXX, we contacted Capital One and spoke with a customer service representative. The representative was completely clueless and informed us that the claim was denied pursuant to the terms of an international agreement that she could neither cite nor provide a copy of said agreement. Shortly after the call we received a form letter which stated we had not provided Capital One with any of the documents they had requested -- an obvious and blatant lie.
As this excuse for denying the claim was clearly false, we called Capital One Customer Service shortly after receiving it, informed them that the statement in the letter was incorrect on it's face and that we were considering our legal options but that we would prefer to reach an amicable settlement. A few hours later, we were called by a Capital One representative who identified himself as XXXX with ID # XXXX. He asked that we provide him a copy of the reservation that we had made with a different hotel in XXXX, FL ( not the one we were charged for ) and the email indicating that we had cancelled that particular reservation. We sent him the correspondence.
We sent the following correspondence : Date : XXXX XXXX From : XXXX XXXX To : XXXX ( ID # XXXX ) Case Number : XXXX XXXX : Per our telephone call today and per your request, in addition to this note I am submitting the following requested documents into the portal : A Screen Shot of the original XXXX reservation at the XXXX XXXX in XXXX, Florida from my wifes account page.
A screen shot of my wifes XXXX account page noting that the reservation at the XXXX XXXX was cancelled.
A PDF in two parts of an email dated XX/XX/XXXX, to my wife from XXXX confirming the reservation at the XXXX XXXX was cancelled.
Please let me know if you need any other documents.
Sincerely, XXXX XXXX We attached the XXXX exhibits as requested pasted below : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : Fri, XX/XX/XXXX at XXXX PM Subject : Booking canceled for XXXX House XXXX XXXX XXXX XXXX XXXX XXXX Your booking has been canceled free of charge.
Dear XXXX XXXX, Your reservation at XXXXXXXX XXXX XXXX XXXX XXXX is now canceled. You dont need to do anything else, but if you have questions for the property, feel free to contact them at XXXX XXXX. The property is responsible for payment and will handle any refunds ( if applicable ) automatically.
XXXX XXXX XXXX XXXX House XXXX XXXX XXXX XXXX XXXX XXXX South, XXXX, FL XXXX, United States of America XXXX : XXXX XXXX Email property You booked for Check-in Check-out CANCELED XXXX XXXX adults Thursday, XX/XX/XXXX Monday, XX/XX/XXXX Check-in Check-out Booking number PIN Code Thursday, XX/XX/XXXX Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Free Cancellation XXXX {$0.00} You might have already XXXX charged for all or part of your stay by XXXX XXXX XXXXXXXX XXXX XXXX this is XXXX XXXX XXXX
You should receive your money back shortly, but you can also contact the property for more info : XXXX House XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Reply You might still receive notifications about this booking while our system is updating, but your booking is definitely canceled.
XXXX Having now sent every exhibit Capital One had requested of us going back to the time we had first contested the charge, we expected a quick resolution in our favor. Instead, we received the following correspondence stating -- incredibly -- that we had not filed the claim within 60 days of the charge being made. That letter is pasted below : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX XXXX XXXX Here 's an update on your dispute with XXXX XXXX billed on XX/XX/XXXX for {$2900.00}.
We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge.
If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX. XXXX, seven days a week.
Sincerely, Capital One Transaction Support Center We are fairly certain that based on the false statements made in the XX/XX/XXXX and XX/XX/XXXX letters from Capital One that we could prevail if we elect to sue them in the XXXX XXXX Virginia Small Claims Court, but would prefer to resolve this without going down the litigation route, The problem is that Capital One makes it impossible to get in touch with a human being with the capacity and authority to discuss this matter. The customer service reps simply repeat a script over and over again and it is exceedingly difficult to reach a manager with any authority. Based on the factual narrative and the amount of documentation we have and the tapes we could obtain with a discovery demand from Capital One after filing a lawsuit, I would think Capital One would want to settle before having to pay lawyers to defend. The problem is that we can't find anyone at Capital One to have that discussion. Any assistance you can provide in that regard would be greatly appreciated.
Sincerely, XXXX and XXXX XXXX
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01/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITAL ONE BANK USA NA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.govXXXX Fair Debt Collection Practices Act : https : //www.ftc.govXXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt XXXX administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, XXXX XXXX XXXX ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, XXXX XXXX XXXX The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
SOFT INQUIRIES DISPUTES : IMMEDIATE ACION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
KOHLS/CAPITOL ONE XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
03/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : CAPITOL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPT OF EDXXXX XXXX XXXX XXXX XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US BKPT CT PA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional
overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the cons
umer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
|
12/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Here is the XXXX view of the problem:
A company called XXXX XXXX stole money from me by charging my Capital One card when they should not have done so.
Despite my proving XXXX Inc was wrong, Capital One dropped the investigation and said it was my problem, not theirs.
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With slightly more detail: XXXX XXXX gave me their instructions for cancelling my account with them.
I followed those instructions, exactly, but XXXX XXXX stated I was late.
I have proof that I was not late. (See attachment: original_msg.txt)
Capital One has ignored that proof and will not credit my account. XXXX XXXX no longer responds to communication by Capital One or by me.
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On XX/XX/XXXX, I signed up for a month of service from XXXX XXXX. at a promotional rate of $XXXX/month. I read, and was told by phone, that my second month's bill would have been $XXXX unless I would cancel, by phone, on or before XX/XX/XXXX.
The results I got from my first month's worth of service from XXXX were XXXX. No results at all, so I elected to cancel the subscription and was very careful not to miss the deadline I was told about.
I called the company at XXXX on XX/XX/XXXX at XXXX and again at XXXX PDT to cancel. (These dates & times are recorded on my cell phone.) I was told the cancellation was made, and as such, I went about my business. Weeks later, I happened to notice XXXX had billed my Capital One card for a second month @ $XXXX. I canceled that payment with Capital One, who then launched an investigation.
On XX/XX/XXXX, I received a letter from Capital One, saying XXXX Inc had "...provided information to support the transaction," causing Capital One to reapply the charge to my account. I called XXXX at the same number, above, and left a message, as instructed by the voicemail bot at XXXX. The bot stated the call would be returned within one business day. (I never got a callback from XXXX XXXX.)
I read the refutation letter XXXX sent to Capital One.
XXXX claimed I had been one day late in canceling my XXXX service, stating that I had E-mailed my request to cancel on XX/XX/XXXX. That claim is false on both of its premises;
1. I did not E-mail my request to cancel, I made the request by phone (as previously instructed by XXXX). Apparently, someone at XXXX isn't paying close enough attention to the details to construct a decent lie.
2. I made that phone call on XX/XX/XXXX, not XX/XX/XXXX (inside the period XXXX gave me to cancel the service).
So the argument that passed as "information to support the transaction" is completely false and obviously constructed to be deceptive.
Proof of Return/Cancellation
I have a recorded E-mail, from XXXX, responding to my cancellation request, dated (by Gmail) XX/XX/XXXX, which proves XXXX had received my cancellation request on or before XX/XX/XXXX.
XXXX
This E-mail shown below:
________________________________________
Second Opinion
A XXXX search revealed someone else who was scammed by XXXX, in a very similar way.
XXXX
Merchant Name: XXXX XXXX XXXX XXXXTRANSACTION XX/XX/XXXX: $XXXXTRANSACTION XX/XX/XXXX: $XXXX XXXX XXXX XXXX called me on XX/XX/XXXX. They are a XXXX XXXX XXXX company that is supposed to manage your advertising campaigns on XXXX. They apparently are advantageous because of the volume of business they do with XXXX you are supposed to get a better rate than going to XXXX directly. They told me they are running a 2 hour rush sale and that it is urgent to sign up immediately in order to be able to advertise with them. We ran through a series of examples of how they would help me and told me that I was able to cancel at any time after 30 days of use, however if I paid for 6 months in advance that I would be able to save 50% and if I still wanted to cancel after 30 days that I was able to. Thinking that there was not much to lose I decided to sign up.Initially XXXX seemed like a representable vendor. The first 2 days was a great experience and I had a few different coworkers, friends and family test the searches to make sure that they were working properly, and the first few days they were. After the first week however I noticed a drastic change. The service that they promised was no longer working, barely any of my paid searches would come up. I called XXXX numerous times and could no longer reach them. I sent many emails and never got a response. I then finally received a call from one of the managing partners, XXXX and I told him that I no longer wanted to continue the service. XXXX refused to listen and told me to let it play out the rest of the month, and if I was still unhappy that he would refund me for the remaining 5 months. XXXX assured me that I would be in his circle of preferred customers and that I could reach him at any time if I had any questions or concerns. I tried emailing XXXX a few times after the call and I never received a response.I then called XXXX and filed a dispute. The information that I received from XXXX that XXXX submitted says a few things that proves that they are untruthful. On the bottom of the page of Chargeback Comments it says, Provided to said client was 9 ads placed in the Top 3 spots on the first page of XXXX, shown in the state of Florida and 4 surrounding states, on all devices (mobile ect.), ads are up 24/7, unlimited clicks to website from ads placed, extra text lines and also sitelinks making the ad larger and increases traffic First off I want to say that I am not licensed to do real estate in any state other than Florida. Why they would set up 4 other surrounding states is beyond me and could actually get me in trouble with the Florida Board of Realtors for advertising and doing business in a state other than Florida. Secondly, I have proof that my ads were not up 24/7 and they removed certain ads to save money with XXXX and did not do as promised by advertising my ads 24/7. You will see various screen shots attached proving that the ads were not working 24/7. I intentionally had many other co-workers, friends and family test it out and see if was working. They also experienced the same as I did and did not see any of my ads.Lastly I called XXXX XXXX directly and showed them the document that they emailed you and me showing the clicks that were supposedly clicked. I knew immediately that they were manufactured based on how big the area is. For example: if you researched and looked up how many people XXXX searched XXXX XXXX, NY and XXXX, AL you would get 100xs more searches for XXXX XXXX, NY. The same is true with some of the searches that I signed up for. The data that XXXX provided just didnt make any sense. So I called XXXX XXXX XXXX and they confirmed to me that it looked like it didnt make sense. They also told me that most companies would not copy and paste that data into a word document because there is nothing from XXXX indicating that the statistics and data is accurate. They told me that I needed to get a report from XXXX that shows the data not a inputted text in an email.Attached you will find unresponsive emails, search test done and much more. Thanks so much for looking into this further. I look forward to talking to you and discussing how we can fix this. Thanks.
(There was a section that gave the company an opportunity to rebut the accusations. No rebuttal was offered.)
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Below is the full E-mail thread between XXXX XXXX and me:
XXXX
Welcome To XXXX XXXX.
Inbox x
XXXX XXXX.
XX/XX/XXXX
to me
*** ATTENTION: PLEASE DO NOT REPLY TO THIS EMAIL. This email has been automatically generated through our internal emailing system.
Congratulations - Your XXXX XXXX Placements are now ordered!
**You will receive another email when your Online ad campaign is LIVE**
Any additional questions you may have can be answered at XXXX. If you do not receive the 2nd email within the 2-3 business days please check your spam folder.
Your Exclusive XXXX Search Areas:
XXXX, XXXX Thank you for your business. We look forward to promoting your business to its peak!
Order Confirmation: (Month-To-Month Agreement)
Billing Information
Client Name: XXXX XXXX XXXX
Street Address:XXXX XXXX XXXX XXXX XXXX City, State, Zip: XXXX XXXX, CA, XXXX:
Payment Method
Credit card type: XXXX
Last four #: XXXX
Client Account Information
Website: XXXX
Phone: (XXXX) XXXX
Email: XXXX
Amount
Mobile Feature/Click to Call: INCLUDED
First Month Total Charge: $ XXXX ( includes set-up if applicable )
Monthly Service Fee: $XXXX Beginning: XX/XX/XXXX
Payment Made Today : $XXXX
*Go to XXXX to read over our terms, conditions and cancellation policies. This must be submitted within 5 days of your ads being up and running: NOTE This does not activate your account or your Search Engine ads.
________________________________________
We've included our terms here for your records and convenience.
________________________________________
XXXX XXXX. Term and Conditions:
XXXX XXXX, XXXX is an online marketing group that works with clients across the nation. Our objective is targeted demographic marketing for our clients on XXXX, the world's largest search engine. By agreeing to partner with XXXX, you are also agreeing to the following terms and conditions.
Privacy Statement:
We will never sell, trade, or otherwise disclose personally identifiable information to anyone. We will not share your email address with any other company. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and actions tags (also known as single pixel gifts to web beacons) to determine your advertising effectiveness. Any information that these third parties collect (via cookies and action tags) is completely anonymous.
Online Search Phrase:
Our marketing experts perform widespread detailed research to establish the most valuable and cost effective marketing position for each and every client. We place every client on XXXX to ensure they are reaching their targeted market 24/7. We research multiple marketing strategies to place our clients in the most cost effective position, with the highest return on their investment. XXXX may grant additional marketing on a client's behalf to further increase their results and exposure.
It is our ultimate goal to ensure that all of our clients get the most out of their XXXX XXXX on XXXX However, XXXX cannot guarantee the exact position of a client's campaign ad, nor the number of hits, clicks, leads, or sales as an outcome of their online marketing. There could be events outside of our control that can temporarily hinder our capacity to secure XXXX placement(s). These events may include, but are not limited to, Search Engine System updates, XXXX account reviews, and any other events out of the direct control of XXXX. XXXX has no power over our client's personal website(s) and has no means of measuring the outcome of sales from our client's online marketing campaign. We require our clients to keep track of their individual results by asking each and every person that contacts their business how they had found their name and phone number. XXXX is not an entity of, nor directly affiliated with; XXXX. XXXX is a privately owned marketing group that concentrates on the construction and maintenance of targeted marketing ads for our clients on the major search engines. For more information about Online Search Phrases/Placements please email us at XXXX or call XXXX XXXX during our business hours.
Warranties:
THE INFORMATION AND SERVICES THAT XXXX XXXX. PROVIDES ARE ON AN "AS IS" AND "AS AVAILABLE" "NO REFUND" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO ADVICE OR INFORMATION GIVEN BY XXXX, ITS AFFILIATES OR THEIR RESPECTIVE EMPLOYEES SHALL CREATE ANY WARRANTY HEREUNDER.
Subscription Details:
This Order authenticates the arrangement that was made between you and our marketing specialist from XXXX to partner in our service(s), as was recorded with your authorization. Unless explicitly contradicted by this Order Confirmation, the recorded agreement described above continues in full force and effect. Your campaign has been set up on a month-to-month basis unless otherwise agreed to. All of our month-to-month agreements begin on the date that you first established participation and you will continue to be billed automatically by direct deduction on the monthly anniversary day of every month. XXXX Billing will reflect XXXX XXXX. and shall appear on your banking statement(s) as XXXX XXXX. XXXX guarantees that we will NOT increase your monthly payment, unless given your express consent. Your monthly payment will be fixed throughout the lifetime of your account. However, changes to your Online Search Phrase(s), at your request, may be subject to rate changes and additional phrases will be subject to the then current rate even if it is different from the rate for current phrases you may have.
Further any further details regarding your account can be answered by emailing us at XXXX or calling XXXX XXXX during our business hours.
Licenses:
You hereby grant XXXX non-exclusive, irrevocable, royalty-free, worldwide license under all copyrights, trademarks, patents, trade secrets, privacy and publicity rights and other intellectual property rights you own or control, if needed, in order to direct traffic to your website through the Online Search Phrases.
General Terms:
Authority to Bind: No employee or specialist of XXXX XXXX. or any of its divisions are authorized to offer or agree to any binding agreement with another party by email without the approval of an Account Manager. Governing Law: This Contract is made and shall be construed and performed under the laws of the State of Oregon without giving effect to choice of law principles. The parties agree that exclusive jurisdiction and venue for any action hereunder shall lie in the Circuit Court of Oregon, XXXX County.
Waiver:
Failure to insist upon strict compliance with any term or condition of this Contract shall not constitute a waiver of such term or condition, nor shall any waiver or relinquishment of any right or power under this Contract at any one or more times be deemed a waiver of relinquishment of such right or power at any other time. If you have questions on your account, please email us at XXXX or call XXXX XXXX during our business hours.
XXXX XXXX. Cancellation Policy & Payment:
It is your responsibility to update XXXX with any and all changes to your customer information, including but not limited to, your personal and professional contact information, your subscribed website address, and your payment information. If your payment fails for any reason, your campaign may remain online for up to 30 days as we attempt to contact you to collect updated payment information. This does not negate your obligation to pay any and all monies owed to XXXX. If your account is not brought current within 30 days we have the right to immediately turn off all of your marketing and turn your account over to a collections agency.
PLEASE NOTE:
All cancellation requests must be submitted to XXXX OR by calling XXXX XXXX
All cancellation requests MUST be received at least three (3) business days prior to the monthly anniversary date. If notice of cancellation is not given within said time frame, XXXX cannot prevent an automatic charge to the account and therefore you will be charged for an additional month.
XXXX XXXX. Client Services
XXXX
XXXX
XXXX
XXXX
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XXXX
Transaction Receipt from XXXX XXXX. for $XXXX (USD)
Inbox x
Auto-Receipt
XX/XX/XXXX
to me
WELCOME TO XXXX!
Make sure to print a copy of this receipt for your records. As a new XXXX client, we are excited to get to work on promoting your business! Please stay tuned. Soon you will receive emails notifying you of our progress on creating your XXXX XXXX campaign. If you have any questions, concerns or comments please feel free to reach out to our client service dept.
Order Information
Description: Goods or Services
Invoice Number XXXX
Customer ID XXXX
________________________________________
Billing Information
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
US
XXXX
Shipping Information
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
US
________________________________________
Total: $XXXX (USD)
Payment Information
Date/Time: XX/XX/XXXX XXXX PDT
Transaction ID: XXXX
Payment Method: XXXX XXXX
Transaction Type: Purchase
Auth Code: XXXX
Merchant Contact Information
XXXX XXXX.
XXXX, OR 97005
US
XXXX XXXX XXXX. Client Services XXXX or XXXX XXXX
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX - The Active Agent
REALTOR | XXXX At XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX | XXXX XXXX XXXX | Each Office Is Independently Owned And Operated
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XXXX
Your Exclusive XXXX XXXX Positions (Action Required)
Inbox x
XXXX this? XX/XX/XXXX XXXX.
XXXX XXXX.
XX/XX/XXXX
to me
Be careful with this message. It contains content that's typically used to steal personal information. Learn more
Report this suspicious message Ignore, I trust this message
Congratulations XXXX XXXX your XXXX XXXX positions are now LIVE and ready for new clients to see!
REQUIRED ACTION. CLICK THE LINK BELOW TO ACCEPT XXXX XXXX. TERMS AND CONDITIONS.
XXXX
XXXX requires clients to have terms and conditions completed within 5 days of this email or XXXX will pause all active accounts until submitted. Terms and conditions takes just a few moments of your time. In the best interest of your advertising needs, we suggest that you complete it after you are finished reading this email.
***GOING TO XXXX DOES NOT ACTIVATE YOUR ONLINE ADS. THIS INFORMATION IS PROVIDED TO OUR CLIENTS TO ENSURE THEY UNDERSTAND OUR TERMS, CONDITIONS AND CANCELLATION POLICIES.
Although your ad campaign has been launched it may take a few hours to get your ads into the correct position.
Your exclusive ONLINE search phrases are listed down below.
------ IMPORTANT NOTICE! ------
---- PLEASE DO NOT CLICK ON YOUR OWN ADS ----
---- THIS NEGATIVELY IMPACTS CONVERSION TRACKING DATA ON YOUR ACCOUNT ----
Clicking on your ads is for new clients only. This will ensure the statistics on your account are always as accurate as possible.
XXXX will flag accounts that are repeatedly clicked on by the same person or computer. This is to protect your ads from people who are not serious about your business.
If you consistently search the search terms from your computer XXXX will show you different results. After searching your ad over and over if your ad is not appearing to you, simply wait for an hour and it will appear again.
NOTE: We monitor your ad campaign activity 24 hours a day, 7 days a week to ensure maximum exposure on XXXX.
You may contact a Customer Service Representative Monday-Friday to show and walk you through your placements live on XXXX. Contact information below. Any additional questions you have may be answered at that time. Any changes you wish to make to your ad(s), phrase(s), or personalization may be done free of charge.
Your exclusive XXXX Ad Campaign search terms are as follows:
To see your AD(s) simply click the link(s) below.
XXXX
real estate encinitas ca
carlsbad ca homes for sale
Or if you prefer, follow these steps:
1. Navigate to XXXX
2. Type your SEARCH TERM as shown above into the XXXX search box and submit the form if necessary.
3. You should see your AD. If not, it may be necessary to wait a day while XXXX reviews and approves your new AD.
4. If you still can not see your AD, please see XXXX AND/OR contact us at XXXX
Thank you for your business, we look forward to promoting your business to its peak!
XXXX XXXX. Client Services XXXX
XXXX
XXXX XXXX
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XXXX
PLEASE READ : XXXX XXXX. CLIENT HANDBOOK
Inbox x
XXXX XXXX.
XX/XX/XXXX
to me
Welcome Again To
The XXXX Team!
Attached to this email is the CLIENT HANDBOOK. It is attached as a pdf file. This handbook will help give you a better understanding as to how the advertising works and what we can do to better the service. If you need help with the client handbook or want to make adjustments to your account, please contact the number listed below. We are excited to see where our service takes you and your business! Let's take your business to it's peak!
Thank you from all of
us at XXXX!
If you need assistance
CALL : XXXX XXXX XXXX XXXX Attachments area
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THIS IS THE E-MAIL THAT PROVES I CANCELLED WITHIN THE TIME ALLOWED BY XXXX INC:
XXXX XXXX XXXX cancellation.
Inbox x
XXXX via XXXX
XX/XX/XXXX
to me
We're sorry to see you go. Notice has been sent to our client services department and a copy has been emailed to you. You will be contacted to verify the cancellation of your advertising with XXXX.
Name: XXXX XXXX
Email: XXXX
Last 4:XXXX IP: XXXX
- - - COMMENT - - -
No results.
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XXXX
We Are Sorry To See You Go!-(XXXX XXXX.)
Inbox x
XXXX
XX/XX/XXXX
to me
Hi XXXX,
Thank you for doing business with us! We are sad to see you go! We value every client that gives us an opportunity to earn their business. Please call the number below or email a good time we can reach you. We want to ensure that we are providing the best possible service month in and month out. We have some new features to improve the presence of your campaign that not everyone has at the moment. We are pretty excited about it! We also want to get any feedback to help better our service for the future. Look forward to speaking with You!
Thanks,
XXXX XXXX.
Customer Loyalty Dept.
XXXX
XXXX XXXX
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The totality of communication between XXXX Inc and me was done through two media; E-mail and telephone. I've supplied all the E-mail, and I have only the times of phone calls recorded on my cell phone in case anyone needs that information.
Its possible that someone at XXXX XXXX overlooked the XX/XX/XXXX communication, and that might have led to my case being marked Late Cancellation or some sort of thing. Short of that, it appears that XXXX XXXX is intentionally stealing money from me, using Capital One as a tool.
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|
03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions
of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : CAPITOL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., XXXX XXXX XXXX XXXX XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITOL ONE AUTO XXXX Credit Bureau Dispute XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment applicationhas been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, XXXX XXXX XXXX ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United States or aliens lawfully admitted for permanent residence. ).
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIESFROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 3
0-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest
that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : CAPITOL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the gover
ning body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, XXXX XXXX XXXX ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, XXXX XXXX XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX
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12/22/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes Both of XXXX XXXX XXXX and Capital One accounts XXXX is {$420.00} and the other is {$960.00} is reporting incorrect across all XXXX credit reporting agencies XXXX, XXXX, XXXX. XXXX, say I opened account on XXXX. XXXX I opened account on XXXX. XXXX. XXXX has no data reporting but has the information on the account. XXXX is reporting a open account and XXXX and XXXX are reporting closed accounts. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX XXXX and Capital One is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Capital One and XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Here is a list of laws that Capital One and XXXX XXXX XXXX is abusing and violating me as well as all XXXX credit reporting agencies XXXX, XXXX and XXXX.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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06/13/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I sent this email today, XX/XX/XXXX, since Kohl's had not resolved the problem.
Dear XXXX XXXX,
I received a call from XXXX on Saturday, XX/XX/XXXX. She assured me that she would correct the situation, by changing the minimum amount due. I emphasized that I was greatly upset by it saying that my account was past due, which it is NOT, and that this notice was from a debt collector. She again assured me that all would be corrected. I gave her until today, XX/XX/XXXX, then checked it. She may have changed the minimum amount due, which had nothing to do with anything, since I plan to pay it in full by XX/XX/XXXX the date due, however my account still shows:
Your account is past due. Make Payment Now
This summary reflects the most current account information.
Account Number : XXXX Update Contact Information
Primary Cardholder : XXXX Email Address : XXXX Statement Delivery Method : Electronic Only
Balance as ofXX/XX/XXXX: $ XXXX View Transactions
Available Credit : $ XXXX Credit Limit : $ XXXX Request Credit Line Increase
Minimum Payment Due : $ XXXX Make A Payment
Payment Due Date : XX/XX/XXXX View Payments
Last Payment Amount : $ XXXX
Last Payment Posted : XX/XX/XXXX Last Statement Balance : $ XXXX
Last Statement Date : XX/XX/XXXX
***This is a communication from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.***
I called XXXX and apparently she is gone untilXX/XX/XXXX Since the situation has not been handled I am filing a complaint with the Consumer Finance Dept. Evidently this is just too big a problem for Kohl's to correct. Kohl's finds it very simple to XXXX up my account, and they claim they will correct it, but they don't.
Thank you, XXXX ----- Forwarded Message -----
From: XXXX To: "XXXX" ; "XXXX" Sent: Friday,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Subject: Fw: Return at XXXX store/ Customer "service" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]
Dear XXXX XXXX:
Apparently the situation was not resolved. I received the email "A friendly reminder" below yesterday. Evidently your system does not understand that this was handled. My statement does not show the $XXXX return as clearing out last month's balance, apparently. The amount I owe, shown online, is correct, yet my account is shown as past due and that I "missed my most recent payment" last month. I did not miss any payment. The two payments I made online and the return I did at the store, more than cleared that month's balance.
Last month the amount I owed was $XXXX
I paid $XXXX onXX/XX/XXXX I made a return of $XXXX on XX/XX/XXXX I paid $XXXX onXX/XX/XXXX
Therefore my balance was XXXX
I owe $XXXX, which is due XX/XX/XXXX and it is NOT past due. I am getting very tired of this situation, and having to deal with Kohl's errors and lack of thoroughness. I am strongly considering cancelling my Kohl's account, as me having to do Kohl's accounting work to correct their errors on my account, wasting my time researching this, writing you emails, hoping that Kohl's will finally get it together and fix this accurately, gives me nothing but XXXX XXXX XXXX. I will tell you, that my account had better not be reported to the credit agency as late.
I've been doing everything I am supposed to do, paying my account in full every month, being a good customer, yet Kohl's is doing its very best to try to XXXX me over. Please see below and get back to me ASAP. I will file a complaint on Monday,XX/XX/XXXX, with the Consumer Finance Department, if this is not resolved immediately. It's ridiculous for such a large company to be so incompetent. I have never had any problem like this with any other credit card company or department store. Only Kohl's. It makes Kohl's employees look extremely unskilled and totally unconcerned about what their customers have to deal with due to their irresponsibility. I do not like having to deal with a company like that. Imagine if every store credit card was like Kohl's, XXXX up their customer's accounts, and totally untrustworthy as to the status of their customers' accounts.
I could not save the pdf file of my bill due XX/XX/XXXX, which does not show the return of $XXXX, so I copied it into Word. It is attached.
Thank you, XXXX A friendly reminder
Kohl's XX/XX/XXXX at XXXX XXXX
To XXXX
Message body
ACCOUNT SUMMARY
Account ending in XXXX Balance:
$XXXX
XXXX...,
We hope you are enjoying the great benefits your Kohl's charge has to offer. We have noticed you missed your most recent payment. We understand this may be an oversight and we would like to help you avoid future fees. Please utilize one of our convenient methods to the right to make your payment or contact our team of specialists to update your account information.
I checked my account online. I owe $XXXX which is due XX/XX/XXXX. Today isXX/XX/XXXX. So it is not past due. It is still seeing that I owe my previous balance, which was paid online, and by my return to the store, which the store did not handle correctly, but which supposedly was corrected by XXXX at the Office of the President . What my account shows online:
Your account is past due.
Make Payment Now
This summary reflects the most current account information.
Account Number :
XXXX
Update Contact Information
Primary Cardholder : XXXX Email Address : XXXX
Statement Delivery Method :
Electronic Only
Balance as of XX/XX/XXXX :
$ XXXX
View Transactions
Available Credit :
$ XXXX
Credit Limit :
$ XXXX Request Credit Line Increase
Minimum Payment Due :
$ XXXX
Make A Payment
Payment Due Date XX/XX/XXXXView Payments
Last Payment Amount :
$ XXXX
Last Payment Posted :
XX/XX/XXXX Last Statement Balance :
$ XXXX
Last Statement Date :XX/XX/XXXX ***This is a communication from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.*** Transaction History
Welcome, XXXX ( XXXX )
Messages: 0 New View transaction details for: Print Friendly Version
Transactions
Search Transactions:
Search Transactions
Search
View All
Trans
Date Post
Date Transaction Description AmountXX/XX/XXXX RTRN RVRSL AT XXXX XXXX STORE $XXXX XX/XX/XXXX XX/XX/XXXX *INTEREST CHARGE* PURCHASES REFUND $XXXX
Online Payment
*Required Field
Click Account Name to View /Delete payment account.
Account Name Verified Routing # Account Number: Name as it appears on check
XXXX XXXXYes XXXX
Pay this amount*:
minPayAmount
Minimum Payment Due $XXXX
lastStmtTotalBal
Last Statement Total Balance: $XXXX
(Total Balance from most recent statement does not reflect changes or credits since your last statement.)
currentBal
Current Balance: $XXXX
(Current Balance does not reflect statement balance.)
otherAmount
Other Amount $:
(no commas = e.g. enter XXXX for $XXXX)
Payment Date*:
payDate
Payment Due Date:XX/XX/XXXX today
Today (You may submit a payment for 'Today' until XXXX XXXX CT.)
otherDate
Other:
/
/
Pick a date (mm/dd/yyyy)
Payments may NOT be postdated more than 180 days.
Confirmation email*:XXXX Changes to your email address will not update your online profile email address.
Submit Reset Cancel
----- Forwarded Message -----
From: XXXX To: Kohl's Customer Support
Cc: "XXXX"
Sent: Thursday, XX/XX/XXXX XXXX XXXX
Subject: Re: Return at XXXX store/ Customer "service" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]
Hello,
I wanted to let you know that I spoke with XXXX, who said she was calling from the President's office, and she assisted me and was very helpful. It appears from looking online at my account, that the situation has been resolved.
Thank you, XXXX From: Kohl's Customer Support
To:...XXXX
Sent: Friday, XX/XX/XXXX XXXX XXXX
Subject: Return at XXXX store/ Customer "service" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION [Incident:XXXX]
Response
We have received your email message with the subject:
Return at XXXX store/ Customer "service" phone call/ SECURE MESSAGE CENTER LACK OF READING COMPREHENSION
We will respond to you as soon as possible.
Thank you,
XXXX Escalated Team
CONFIDENTIALITY NOTICE: This e-mail is intended solely for the person or entity to which it is addressed and may contain confidential and/or privileged information. Any review, dissemination, copying, printing, or other use of this e-mail by persons or entities other than the addressee is prohibited. If you have received this e-mail in error, please contact the sender immediately and delete the material from your computer.
Discussion Thread
Customer By Email (XXXX ) XX/XX/XXXX XXXX XXXX
Since no has yet responded to my previous email, I will share with you the "secure message" replies I received to the secure messages I sent yesterday morning.
Does this look like "help"?
"I am happy to assist you today. Please know that for any order inquiry, you will have to contact Kohls.com directly. You may email them at XXXX or call their Customer Service Contact Center at XXXX." Am I asking about an ORDER? Does it even look as though they read what I wrote? No, they just copy and paste telling me to call customer service and blah blah blah. "I hope this information is helpful." No, it is not. "We appreciate the time you took to contact us [NO, YOU DON'T] and look forward to serving you again." You haven't served me yet, how are you going to serve me "again?"
Kohl's "Secure Message" is so secure you will NEVER get an answer.
By the way, your website XXXX. You cannot go to the "next" message, you have to go back to the message center and click on another message. You cannot reply to any of these messages You have to start all over. So that a new person will never know what you are talking about. Which doesn't matter, as no one even reads them.
User Name: XXXX Submitter Name: XXXX
Subject: Other
Message: XX/XX/XXXX XX/XX/XXXX EXXXX # XXXX $XX/XX/XXXX XX/XX/17 XX/XX/17 THANK YOU FOR THE PAYMENT $XXXX XX/XX/XXXX XX/XX/XXXX THANK YOU FOR THE PAYMENT $-XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX LATE FEE $XXXX I'M NOT PAYING ANY LATE FEE.
Status: Completed
Memo:
Thank you for contacting Kohl's regarding your Kohls.com order. I am happy to assist you today. Please know that for any order inquiry, you will have to contact Kohls.com directly. You may email them at XXXX or call their Customer Service Contact Center at XXXX. Representatives are available daily from XXXX XXXX to XXXX XXXX. Hours of operation may vary and are subject to change. I hope this information is helpful. We appreciate the time you took to contact us and look forward to serving you again
XXXX
Submitter Name: XXXX
Subject: Other
Message: It is XX/XX/XXXX. It has been MORE THAN 48 HOURS. Still THE RETURN does not SHOW UP. I AM NOT PAYING INTEREST BECAUSE MY BALANCE FOR THAT MONTH SHOULD BE BELOW XXXX.
Status: Completed
Memo: Thank you for taking the time to contact us regarding your return. I appreciate the opportunity to review your concern. In order to fully research this matter, we will need more information. Please call our Customer Service Contact Center at XXXX so that we may assist you further. Kohl's Customer Service Representatives are available Monday through Saturday, XXXX XXXX to XXXX XXXX, and Sunday, XXXX XXXX to XXXX XXXX Central Time. Hours of operation are subject to change. I apologize for any inconvenience this matter may have caused. We appreciate the time you took to contact us and look forward to serving you again. Have you signed up for XXXX Rewards yet? Enhance your shopping experience at Kohl's with 8 offers a year, a birthday gift, opportunities to earn bonus points, and $XXXX coupons for every 100 points you earn. For more information or to enroll visit our Kohls.com Customer Service page.
User Name:XXXX
Submitter Name: XXXX
Subject: Other
Message: It's been MORE THAN 48 HOURS. STILL NOT SHOWING UP. WHAT IS THE PROBLEM. I AM NOT PAYING ANY INTEREST ON THIS BECAUSE I OWE XXXX. previous MESSAGE - since you don't allow REPLIES I made a return on XX/XX/XXXX. It still does not show up on my account as of today. However, I made a payment yesterday XX/XX/XXXX, and it shows "pending." Please advise why the return doesn't show up. Status: Completed Memo: Thank you for taking the time to contact us regarding your recent payment for your Kohl's Charge account. I do understand your concern and I appreciate this opportunity to assist you with your payment. I have found that your payment has been received, and still on pending status. Please allow 24 to 48 hours to be posted on your account. I hope that this information is helpful. We appreciate the time you took to contact us and look forward to serving you again. Ha
Status: Completed
Memo: Thank you for taking the time to contact us regarding your Kohl's Charge account. I am unable to assist you via email with the information provided. Please call our Customer Service Contact Center at XXXX so that we may assist you further. Kohl's Customer Service Representatives are available Monday through Saturday, XXXX XXXX to XXXX XXXX, and Sunday, XXXX XXXX to XXXX XXXX Central Time. Hours of operation are subject to change. I apologize for any inconvenience this matter may have caused you. We appreciate the time you took to contact us and look forward to serving you again.
----- Forwarded Message -----
From: XXXX
To: XXXX
Cc: XXXX
Sent: Thursday,XX/XX/XXXX XXXX XXXX
Subject: Return at XXXX store/ Customer "service" phone call
To Whom it May Concern:
I ordered some shoes online from Kohl's on XX/XX/XXXX. The total on my Kohl's charge for the shoes was $XXXX. I had a previous in store (XXXX, Texas) charge for $XXXX. I paid the $XXXX online on XX/XX/XXXX. I returned the shoes to the store in XXXX Texas, that same day, XX/XX/XXXX. I was "helped" by a XXXX XXXX girl who did not seem to know what she was doing. I asked why my return amount was $XXXX instead of what I was charged $XXXX. She called a young man over and he said it was Kohl's cash. I was not sure if I had used the Kohls cash, on a later purchase, or not. She gave me a receipt that says $XXXX-. I then made a payment of $XXXX onXX/XX/XXXX to cover the "Kohls cash" that was taken away from me. I checked my account for the return of $XXXX made on XX/XX/XXXX, and was not showing up. I did a secure message, the next day, XX/XX/XXXX, when it still did not show up:
I made a return on XX/XX/XXXX. It still does not show up on my account as of today. However, I made a payment yesterday XX/XX/XXXX, and it shows "pending." Please advise why the return doesn't show up.
Status: Completed
Memo: Thank you for taking the time to contact us regarding your recent payment for your Kohl's Charge account. I do understand your concern and I appreciate this opportunity to assist you with your payment. I have found that your payment has been received, and still on pending status. Please allow 24 to 48 hours to be posted on your account. I hope that this information is helpful. We appreciate the time you took to contact us and look forward to serving you again. Have you signed up for XXXX Rewards yet? Enhance your shopping experience at Kohl's with 8 offers a year, a birthday gift, opportunities to earn bonus points, and $XXXX coupons for every XXXX points you earn. For more information or to enroll visit our Kohls.com Customer Service page.
The reply is above, received today,XX/XX/XXXX. It did not address my question about the return, it said nothing about the return, it was referencing the payment I made, plus a lot of unnecessary and annoying blah blah about XXXX rewards. Obviously, it has been more than 48 hours since the return. But whoever answers these messages didn't bother to notice that.
So I did three more "secure messages" this morning, XX/XX/XXXX. I then checked my account and noticed I had been assessed a $XXXX late charge. I then called the customer service number, XXXX. I was told that there would be a survey to complete at the end. I was disconnected without a survey.
I spoke to a young man, did not get his name. I was on the phone with him about 25 minutes, while he put me on hold several times to "check" on things. I told him the situation. He asked if I had made the return in order to cover the minimum payment? As if I were supposed to make a minimum payment even if I didn't owe anything, once I made the return. (If you must know, I took the shoes back because they were too large.)
He said he did not see the return. He asked if I had my receipt and I said yes. He asked for a number on the receipt. I read off the number XXXX and he found it. He said the person at the store had "voided" it. I looked and the top/middle of the receipt has TOTAL $XXXX-. Close to the bottom it has VOID AMOUNT XXXX-. I said she did not seem to understand what she was doing. I said I had ordered the shoes online with my Kohls card and it should have been returned to my Kohl's card. He put me on hold again. He talked to a "supervisor." He said I would have to go back to the store and tell them to correct their mistake. I said they made the mistake, why should I have to do all the work? He put me on hold. He came back and asked how far the store was from me? I said I don't know, 3 miles, 5 miles? (I looked it up and it is 5.9 miles from my work.) So I'm thinking, I've already driven there and back once to make the return. Why am I supposed to waste my time and gas again, to drive to the store, walk all the way to the back of the store and wait, and get them to fix their error, when Kohl's has caused me the problem? That I have already wasted too much time on? And then probably still have to call back to customer service to waste more time with them to remove the $XXXX late fee? I was not aware that I was a Kohl's employee. I'm not getting paid for all this work.
I asked to talk to a supervisor. He said the supervisor that he had just talked to had "left." I thought, that was quick. He then corrected himself, and said the supervisor was helping someone else. I said I still needed to speak to a supervisor. So he put me on hold.
Finally a man came on with a very thick XXXX or XXXX accent. I think he said his name was XXXX, but I could barely understand him. He acted as though he knew nothing about the whole situation. He was impatient and brusque. After questioning him to find out what he already knew, he said it was about a problem I had with a return at the store. He said there wasn't anything they could do, they did not do returns over the phone (or correct any problems apparently) and I would HAVE to go back to the store to get them to fix their mistake. I said, I'm supposed to correct the problem they caused and what do I get? He said they could possibly give me some coupons. I said I didn't want any XXXX coupons (as it's not likely I'll shop at Kohl's again after this). He said that he was respecting me (really?) and I should respect him in return. I said that he was very difficult to understand (he was) and I wanted to speak to someone else. He said this was not about him, it was about my return. I said again that he was difficult to understand, and I wanted to speak to someone that I could understand. He said okay, and put me on hold. He evidently had no intention of letting me speak to someone else, he merely sent me to where I would be disconnected.
After about 5 minutes of me waiting to speak to a person who could speak intelligibly, the call went back to a recording: press 1 for this, 2 for that, 0 for the operator. When I pressed 0 and it just kept repeating: Press 1 for this, 2 for that, 0 for the operator. I pressed 0 every time, about four times, never got an operator, and then it hung up on me. I was on the phone for approximately 31 minutes with "customer service" from XXXX XXXX CST to XXXX XXXX CST. I wasn't given a chance to complete a survey, either, as I had been told at the beginning of my call.
Then end result of this 31 minutes with Kohl's "customer service" was that the XXXX store XXXX up, I got charged a $XXXX late fee when I owe XXXX, and too bad for me, according to your customer service SUPERVISOR. He basically said I'd better get out there and do Kohl's work for them. He did not have any customer service skills. The gentleman I spoke with before him, was at least polite.
I have attached a copy of the receipt showing the return of the shoes and $XXXX credit. There is also the back of the receipt which claims HASSLE-FREE RETURNS. This is the MOST HASSLE I have ever had with a return IN MY LIFE. Also, it would help if your customer service people learned some telephone skills. You NEVER tell anyone that they HAVE to do something, unless your intent is to make the customer angry.
I would appreciate if someone would get back with me to resolve this as soon as possible, someone who knows and cares what they are doing, regarding my credit of $XXXX not showing up, as well as the $XXXX late fee charged in error.
Thank you,
XXXX
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09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
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I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account XXXX XXXXXXXX with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau. XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. XXXX2 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority.
A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau.
15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX
5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account # XXXX with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection BureauXXXX XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. 12 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority.
A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau.
15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX
5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account # XXXX with XXXX, XXXX, and XXXX or XXXX will be forced to report you to Consumer Financial Protection BureauXXXX XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. 12 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority.
A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau.
15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX . " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX
5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published
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02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes, Capital One account is { {$690.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Capital One is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Capital One violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that Capital One is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1000+ per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : XX/XX/XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XX/XX/XXXX and XX/XX/XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Capital One ACCOUNT # XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
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- Vehicle loan or lease
- Loan
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- Repossession
- Company explaining amount owed
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My information was used without me knowing case of identity theft.
CAPITAL ONE AUTO FINAN # XXXX FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) DiSCloSUReS to ConSUmeRS inFoRmAtion AvAilAble to viCtimS ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.
( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( XXXX ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose.
( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number.
( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge.
( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service.
( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection.
( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection.
( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law.
( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection.
( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law.
( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available.
( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.
( 12 ) Effective date. This subsection shall become effective 180 days after XXXX XXXX XXXX
( 13 ) Effectiveness study. Not later than 18 months after XXXX XXXX XXXX, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.
FC
RA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that a
n identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section
623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b
) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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11/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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ATTENTION: First off it seems that the business has been sold or has new ownership and has dropped the previous name of the dealership (XXXX XXXX) for a new one .
In the time frame of XXXX to XXXX I was in the market for a new XXXX pickup truck. I wanted it a specific version of the XXXX XXXX namely I wanted that XXXX XXXX XXXX with a manual transmission. I was having some difficulty locating the vehicle with the manual transmission as XXXX only made very few of those trucks available in manual.
I was approached by a friend of mine whom I went to high school with by the name of XXXX XXXX. XXXX XXXX had recently taken a position as a salesman for a XXXX dealership in XXXX XXXX. I may have approached him knowing he was working there to ask him about finding the particular options and color combination that I was looking for. Can't remember exactly if I approached him first or he approached me first, however I had attempted to acquire the truck from dealerships in XXXX XXXX where I live and I was having trouble finding the vehicle. After being unable to locate the truck in the color combination and options that I wanted I decided to give XXXX XXXX a chance to earn my business if he could help me locate the truck I was looking for. I came with a quote from another dealership and XXXX XXXX said that if he could match the offer would I then consider purchasing from him if he could source the vehicle through his dealership.
I asked to make a special order in order to configure the truck as I wanted it with XXXX XXXX at his place of business XXXX XXXX in XXXX XXXX California. He said I could make the order and asked me to come into the dealership. I made the drive from XXXX XXXX to XXXX XXXX which is nearly 3 hours or more depending on traffic. I worked with him on the computer to confirm the options and color of the truck that I wanted. I then waited a period of time before checking in with him, he said he was working on it. However after trying to reconfirm with him and check on progress of the vehicle it came to my attention that he had not ordered the vehicle or was unable to for some reason. I then went back to attempting to source the vehicle from my local dealership in XXXX XXXX called XXXX XXXX XXXX as they were a large volume dealer and I had a quote in writing from a salesman there. He had the vehicle in stock however it was not the color I was looking for. I told the salesman at XXXX XXXX XXXX that I would be back to him after I had a chance to shop other dealerships hoping I could find the vehicle I wanted in stock in the color I wanted. I then received a phone call from XXXX XXXX possibly because he was alerted through XXXX that I was at a different dealership attempting to find the vehicle, I'm not sure if they have a system to track potential customers and a way to identify which salesman I had originally spoken with or something of that nature.
XXXX XXXX contacted me and assured me that he could match the offer I currently had from the other dealership and get it in the color I was looking for. After some back and forth communication I was told that I must make a deposit on the vehicle if he was to attempt to locate it for me.
Again I drove down to XXXX XXXX in XXXX XXXX California and spoke with XXXX XXXX at which time I made $XXXX deposit on the vehicle being told that it would be ordered. Over a period of more than 6 months I would be frequently contacted by XXXX XXXX in which he would attempt to sell me a similar vehicle that they had in stock however it never matched exactly to what I had ordered from him. Eventually he called me and told me the dealership had acquired the vehicle I was looking for however it was in green instead of the cement gray color that I had specified.
I went down to XXXX XXXX again and brought my credit report from 3 credit bureaus as I had been previously told that I would be able to get dealer financing at 4.29% if my credit score was high enough. I think it may have been XXXX credit score that they were looking for. At that time all three of the credit bureaus or reflecting my credit score to be at XXXX or above, I believe the scores were XXXX, XXXX, and XXXX.
Indeed he had the truck I was looking for in manual transmission however it was XXXX, I decided I would be okay with that because getting it in manual transmission with those trim package options was difficult enough and I want to just purchase the vehicle. We discussed that the offer that was made to me previously was still going to be good and I agreed to purchase it. However upon sitting down to start the paperwork I was presented with a much higher price for the vehicle. I reminded XXXX XXXX that we had a deal and I was expecting him to adhere to what we had agreed upon. He then said that he could not sell it for that price because the market would allow for a higher price tag and I should pay that higher price. I pointed out that the price that they were asking was much higher than the MSRP sticker price on the window paperwork.
I stated that I was not interested in paying the inflated price that they were trying to charge and I would take my business elsewhere where I would receive the price originally agreed upon at the other dealership, I pointed out that XXXX XXXX had agreed that he would match any price from any dealership that I was quoted and I produced the offer in writing from the other dealership. I said that I wanted them to honor that commitment. Now at this late juncture he said he could not honor that commitment and I would have to accept the inflated price. I said that would not be possible and I stated that I would take my business elsewhere and I needed to get my $XXXX deposit back and I would be leaving. I was told that there was no way I would receive that money back and it would be forfeited if I did not go ahead with the purchase. I spent more than an hour attempting to go through the charges and I pointed out several items that were added on and I did not want and I wanted the vehicle delivered to me without any extras or up sales. I was told that there was no possible way to remove these extra charges. At this point I was starting to get tired and worn down and after making more than three trips down to the dealership from XXXX XXXX which had cost me more than $XXXX in total in gas expense and calculated how much more driving and expense I would incur attempting to locate the vehicle elsewhere I rationed that I should just consider accepting the price. I then said at the very least remove the extra $XXXX on top of everything else for the dealer destination charge that he said I must pay because they had incurred that price getting the vehicle delivered. I pointed out that this is not the vehicle I had ordered it was not the right color and therefore I did not cause them to incur any fees having this vehicle delivered. I went on to explain that every other vehicle I purchased the dealership was willing to if not remove the dealer destination fee to reduce it considerably.
I was told that there would be no change in price whatsoever and if I did not purchase that vehicle right now then another patron whom they pointed to across the sales floor was prepared to purchase the vehicle immediately no questions asked and I would lose my deposit.
At this point I was becoming very angry and I felt completely betrayed and that I had been lied to at every turn in order to get me deeper and deeper into the deal where I had no choice but you accept these inflated prices and extra charges without any discount whatsoever. I did indeed want the vehicle in the configuration that it was in and I knew at the very best I would have to wait an unknown amount of time in order to get the vehicle elsewhere. And I had driven so far so many times and I only saw more trouble going forward trying to get my deposit back. So under protest I agreed to move forward with the purchase.
At that time I was moved into the finance manager's office to complete the sale. I knew that the finance guy would most likely try to extract more money from me in the form of other items and add-ons as well. Even though I was extremely tired at this point and it was getting late into the evening I tried to maintain my awareness and reminded myself to pay attention to the paperwork and the numbers.
That is when the contract was presented and they were trying to screw me on my deposit amount, they said in the paperwork that I only deposited $XXXX dollars but I had made a $XXXX deposit. Of course they pretended that I didn't but when I was able to show my bank records they reluctantly apologized and fixed the paperwork to reflect that. I was hoping for a smooth completion of the day and thought id be leaving soon , however there was other little XXXX add-ons they tried to get away with totaling XXXX XXXX dollars which I had to insist on not being included. Like the $XXXX destination charge which they tried to say that I had injured because of the order I put in , but I pointed out that they did not deliver on the special order that I wanted . I had ordered a different color and I wanted a premium stereo system, neither of which were included with the truck they had presented.After quite some time going back and forth I caved in and said that I would pay it under protest as I explained in all of my past vehicle purchases those costs were deleted after working the deal.
This is when I realized that they had switched my interest rate that I had been approved for earlier that day from 4.29% all the way up to around 8% ( it could be a little lower or possibly higher than 8% but I dont have the figures in front of me at the moment). I pointed out that the interest rate was incorrect and the finance guy insisted that the current rate was the rate all along and I was wrong about it. I pushed back and asked for the sales manager to come in. When he came in he said he was astonished that the rate was mis-applied and said he would be back and had to go to his desk for something and assured me he would fix it. The low interest rate was a big reason I was moving forward with this purchase . I had spent almost 2 years cleaning up my credit score( above XXXX if I remember correctly) so I could qualify for the factory offered interest rate of 4.29% . I was eventually told that yes I was approved for the lower rate earlier that day but now they could only get me a rate of 7.8 or something in that ballpark. Which I responded saying that I would've to come back in a day or 2 after I got my own car loan with a more reasonable rate and their response was that I would loose my deposit if I didn't move forward right then and they would put the truck back on the showroom for sale. It was suggested to me by them that I could just buy the vehicle that night with the higher interest rate but then go ahead and get the loan refinanced the next day or when ever I wanted. We calculated the total cost in finance charges for a $XXXX Loan multiplied by the life oft the loan even if I didn't refinance. I forget the exact amount that was agreed on but it was what you would expect using simple arithmetic based on a. APR and the total amount borrowed and the length of the loan and again I was reassured that, I could refinance "any time " without any problem.
So based on the conversations there in the finance office between myself the finance manager , the sales manager , and the salesman XXXX XXXX keeping in mind what I was promised and told to be accurate I went forward with the purchase that night around midnight after being their in the midst of the deal for more than 12 hours and I just wanted to leave and get away from these terrible people
Since that time I have come to understand that I was lied to and have been the victim of fraud at nearly every turn behind this purchase and financing the vehicle through Capital One.
When I spoke with capital one a few days later about refinancing I was told I had to wait a month before I could refinance. So after waiting a month I was then told that I had to wait a year and then I could get it refined by capital one themselves where I wouldn't have to do anything but change the loan and then save the money every month with the new loan because of the lowered interest rate. I was not happy but decided id wait until the year was up and then make the refinance. However just like every time before, when I called after that year was passed I was told that they dont ever refinance a loan that they had issued....
Since then I have experienced nothing but the same tactics including repeated lies and misleading statements from capital one and its employees I was able to reach by phone. Capital One was and remains unwilling to do anything less than continue to exploit me and do everything they can to make things more difficult for me and try to get me further and further into debt . Even during covid-19 I. Explained that I had been left without employment and no income coming in, they would not work with me or do anything that would help me. They did however continue to try to profit from the situation by trying to mislead me into "deferring" the payments the end of the loan ( but not disclosing that those payments would continue to collect penalties and extra finance charges every single day until after every thing else had been paid off and then and only then could I start paying these postponed payments and the extra XXXX of dollars added to each payment that was "deferred". I would not have been allowed to pay those payments early and catch up, they wouldn't allow you to get out from the insane criminal extra charges and fees. Until the loan was all paid up , then and only then could you get the extra fees and interest for each of the "deferred" payments to stop. They continued to push that predatory offer on me over and over all the while claiming it would "help " me and never bothering to explain the details and high high extra costs and finance charges that would be added only at the end of the loan. Even paying off the entire loan still would not stop the extra finance charges and fees. And of course they would be holding the pink slip of your vehicle until after they had everything they wanted and might posibly be able to extort additionally.
As things have been during and after covid-19 I have not been able to return to my business and generate any income. Also at that time i became a father to a wonderful little boy and have had a significant amount of extra bills that I must be responsible for, and as a single father with no family in the area to rely on for babysitting I must devote the majority of my time to my son. I tried to claim a hardship and asked if there was any changes that could be made to my vehicle payments but they declined to offer any Assistance.
At this point I have not been able to make any payments for going onto as year now, and of course they have been trying to repossess my truck and have threatened to sue me and force me to pay their lawyers costs. I have asked for an opportunity to negotiate with them or begin arbitration but again they refused all and any offers I made. Including a $XXXX dollar offer (that I was going to borrow while using my camera equipment and assets as collateral)I made to them to consider the loan paid and satisfied that I have reiterated several times , however they declined and have instead continued to increase fines ,fees, and extra finance charges to artificially increase the amount due.
Finally i must make it very clear that I was mislead as to the nature of this loan and how the interest would be compounded and accrued. I was simply asked if I had a car loan in the past and when I answered that I had financed vehicles in the past the finance manager said that "this loan will be the same as the others you may have had when you purchased your other cars"
I then said I wanted to be clear so I asked if it would bd as straight Forward as making a simple calculation to involve the amount borrowed , the interest rate represented to me as APR , and the length of there loan. The finance manager and I worked out the total amount that my loan would cost me and I was told that is and will be the way my loan is calculating the interest I would be paying for the life of the loan. Taking what he said as binding I reminded him that we were making a verbal agreement and therefor a binding verbal contract as is the law in California , and he agreed that it is binding and we would be bound by our agreement for the actual costs of the loan. With that I made it clear that I was in no way happy with the situation and I am only moving forward with the explicit intent of refinancing the loan immediately and actually getting a loan that would be representative of my credit score of above XXXX as it was any the time and I was entitled to but they had switched its during the deal at last minute as well as threatening me with the loss of my $XXXX deposit if I didn't make the purchase and sign for the loan right there before I left the finance office. Additionally it was nearly midnight and I could not call any banks or my credit union or any other lenders to get a competitive offer.They clearly stated that I would loose the truck to another buyer who would get the benefit of my $XXXX loan credited to them as it had already been paid if I failed to complete the deal and left the dealership at that time.
Of course when I did call capital one the next day and attempted to take advantage of a refinance offer that I had just been approved for by capital oe via online application I was told that I had to wait a month before I could do that. When I then submitted another refinance offer after a month I was then told that I would have to wait a year, and then no surprise after waiting a year I tried again ad was told that capital one didn't do that and even if I got a refinance offer from another bank I would still be required to pay all the interest and fees anyway plus new fees and costs and interest payments to a new loan provider.So I continued on with them but as time went on I was noticing many deceptive practices and unclear ways to save any money. I was told to use the online paymenty calculator that they said was on the website, however I was not able to ever locate iota even after asking many times and asking them to help me find it while they were on the phone. Never saw it , I asked for a link to it they refused but assured me it was there.
I went as far to make some complaints directly to the office of the president of the company and was called back by one of the assistants to the CVEO and president of Capital One in West Virginia. Even she was unable to help me locate any Resources that I could use to accurately understand how the interest was calculated between payments except to say that the length of time between making a payment and another payment would accrue interest inn that time but was unable to give me a strategy to avoid extra finance charges even if I paid everything onetime. I complained asbniut all the misleading statements and procedures that I was having problems with and the lies I was told about refinancing after a month then after a year but she offered no help or cart in the lies and misrepresentations endemic in the company.
Now I dont know what to do. I need help I am a single father with a XXXX year old little boy who is being hammered by child support even though after covid-19 I have no income and have my son half of the time . I pay for his needs and then also must somehow pay child support . I am trying to move forward and be self sufficient and pay my bills but I keep getting screwed and treated unfairly. I desperately need help ad humbly ask for assistance.
Thank You
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08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Capital One and XXXX continues to violate my consumer right by reporting my non public information without my written consent.
Capital One stated in their terms and conditions that they would not share my information with anyone except the credit bureaus. The only true credit bureau is the Consumer Financial Protection Bureau and it does not furnish consumer reports. XXXX is a privately owned company that assumed the role to furnish consumer reports.
It is against federal law to report any financial history. My credit card information is considered financial history and should not be included in any reporting.
Per the Privacy Act of 1974 as a federally protected consumer I have the right to opt out of my information being reported.
1026.13 Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( XXXX ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( XXXX ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( XXXX ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( XXXX ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( XXXX ) Enables the creditor to identify the consumer 's name and account number; and ( XXXX ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( XXXX ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor XXXX not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( XXXX ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( XXXX ) of this section without incurring additional finance or other charges ; ( XXXX ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( XXXX ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( XXXX ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
1026.12 Special credit card provisions.
( a ) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card shall be issued to any person except : ( XXXX ) In response to an oral or written request or application for the card; or ( XXXX ) As a renewal of, or substitute for, an accepted credit card.
( b ) Liability of cardholder for unauthorized use ( XXXX ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit.
( ii ) Limitation on amount. The liability of a cardholder for unauthorized use of a credit card shall not exceed the lesser of {$50.00} or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer under paragraph ( b ) ( XXXX ) of this section.
( XXXX ) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if : ( i ) The credit card is an accepted credit card ; ( ii ) The card issuer has provided adequate notice of the cardholder 's maximum potential liability and of means by which the card issuer XXXX be notified of loss or theft of the card. The notice shall state that the cardholder 's liability shall not exceed {$50.00} ( or any lesser amount ) and that the cardholder XXXX give oral or written notification, and shall describe a means of notification ( for example, a telephone number, an address, or both ) ; and ( iii ) The card issuer has provided a means to identify the cardholder on the account or the authorized user of the card.
( XXXX ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as XXXX be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular XXXX, employee, or agent of the card issuer does, in fact, receive the information. Notification XXXX be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier.
( XXXX ) Effect of other applicable law or agreement. If state law or an agreement between a cardholder and the card issuer imposes lesser liability than that provided in this paragraph, the lesser liability shall govern.
( XXXX ) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees of an organization, this section does not prohibit the card issuer and the organization from agreeing to liability for unauthorized use without regard to this section. However, liability for unauthorized use XXXX be imposed on an employee of the organization, by either the card issuer or the organization, only in accordance with this section.
( c ) Right of cardholder to assert claims or defenses against card issuer ( XXXX ) General rule. When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder XXXX assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder XXXX withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount.
( XXXX ) Adverse credit reports prohibited. If, in accordance with paragraph ( c ) ( XXXX ) of this section, the cardholder withholds payment of the amount of credit outstanding for the disputed transaction, the card issuer shall not report that amount as delinquent until the dispute is settled or judgment is rendered.
( 3 ) Limitations ( i ) General. The rights stated in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section apply only if : ( A ) The cardholder has made a good faith attempt to resolve the dispute with the person honoring the credit card ; and ( B ) The amount of credit extended to obtain the property or services that result in the assertion of the claim or defense by the cardholder exceeds {$50.00}, and the disputed transaction occurred in the same state as the cardholder 's current designated address or, if not within the same state, within XXXX miles from that address.
( ii ) Exclusion. The limitations stated in paragraph ( c ) ( 3 ) ( i ) ( B ) of this section shall not apply when the person honoring the credit card : ( A ) Is the same person as the card issuer ; ( B ) Is controlled by the card issuer directly or indirectly ; ( C ) Is under the direct or indirect control of a third person that also directly or indirectly controls the card issuer ; ( D ) Controls the card issuer directly or indirectly ; ( E ) Is a franchised dealer in the card issuer 's products or services ; or ( F ) Has obtained the order for the disputed transaction through a mail solicitation made or participated in by the card issuer.
( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.
( XXXX ) Rights of the card issuer. This paragraph ( d ) does not alter or affect the right of a card issuer acting under state or Federal law to do any of the following with regard to funds of a cardholder held on deposit with the card issuer if the same procedure is constitutionally available to creditors generally : Obtain or enforce a consensual security interest in the funds ; attach or otherwise levy upon the funds ; or obtain or enforce a court order relating to the funds.
( XXXX ) Periodic deductions.
( i ) This paragraph ( d ) does not prohibit a plan, if authorized in writing by the cardholder, under which the card issuer XXXX periodically deduct all or part of the cardholder 's credit card debt from a deposit account held with the card issuer ( subject to the limitations in 1026.13 ( d ) ( 1 ) ).
( ii ) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as defined in 1026.61, for purposes of this paragraph ( d ) ( 3 ), periodically means no more frequently than once per calendar month, such as on a monthly due date disclosed on the applicable periodic statement in accordance with the requirements of 1026.7 ( b ) ( 11 ) ( i ) ( A ) or on an earlier date in each calendar month in accordance with a written authorization signed by the consumer.
( XXXX ) Prompt notification of returns and crediting of refunds.
( XXXX ) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is to be reflected as a credit to the consumer 's credit card account, that creditor shall, within XXXX business days from accepting the return or forgiving the debt, transmit a credit statement to the card issuer through the card issuer 's normal channels for credit statements.
( XXXX ) The card issuer shall, within XXXX business days from receipt of a credit statement, credit the consumer 's account with the amount of the refund.
( XXXX ) If a creditor other than a card issuer routinely gives cash refunds to consumers paying in cash, the creditor shall also give credit or cash refunds to consumers using credit cards, unless it discloses at the time the transaction is consummated that credit or cash refunds for returns are not given. This section does not require refunds for returns nor does it prohibit refunds in kind.
( f ) Discounts ; tie-in arrangements. No card issuer XXXX, by contract or otherwise : ( XXXX ) Prohibit any person who honors a credit card from offering a discount to a consumer to induce the consumer to pay by cash, check, or similar means rather than by use of a credit card or its underlying account for the purchase of property or services; or ( XXXX ) Require any person who honors the card issuer 's credit card to open or maintain any account or obtain any other service not essential to the operation of the credit card plan from the card issuer or any other person, as a condition of participation in a credit card plan. If maintenance of an account for clearing purposes is determined to be essential to the operation of the credit card plan, it XXXX be required only if no service charges or minimum balance requirements are imposed.
( g ) Relation to Electronic Fund Transfer Act and Regulation E. For guidance on whether Regulation Z ( 12 CFR part 1026 ) or Regulation E ( 12 CFR part 1005 ) applies in instances involving both credit and electronic fund transfer aspects, refer to Regulation E, 12 CFR 1005.12 ( a ) regarding issuance and liability for unauthorized use. On matters other than issuance and liability, this section applies to the credit aspects of combined credit/electronic fund transfer transactions, as applicable.
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09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My Only First & Last Name : [ XXXX XXXX ] My Only Address : [ XXXX XXXX XXXX XXXX XXXX CA XXXX ] The last 4 of my [ SSN XXXX XXXXXXXX ] My Only DOB XX/XX/XXXX. I have asked for proof of ( XXXX ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA XXXXONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Yet XXXX XXXX XXXX XXXX XXXX XXXX ( CAPITAL ONE ) ( MACY/CBNA ) ( CAPITAL ONE XXXX ( L.C. SYSTEM. XXXX ) ( SUNRISE CREDITSERVICE ) IS reporting this information.. The reporting of excluded information pursuant to ( XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of ( XXXX compliance ). Provide me with the ( XXXX ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form XXXX Cancellation of XXXX. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX XXXX DATA SOLUTIONS XXXX XXXX - ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX issue this urgent and non- negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX [ I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX XXXX XXXX XXXX XXXX XXXX ( CAPITAL ONE XXXX ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : - ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S. Code 1681a ( 2 ) ( 1 ) : ) -Misuse or misrepresentation of definitions and rules related to consumer reporting.- : ( CAPITAL ONE ) ( XXXX ) XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S. Code 1681 ( 3 ) ( e ) : ) -Further misuse or misrepresentation of definitions and rules related to consumer XXXX : ( CAPITAL ONE ) XXXX XXXX XXXX XXXX CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S. Code 1681i : ) - Inadequate procedures for disputing the accuracy of my consumer reports.- : ( CAPITAL ONE XXXX XXXX XXXX XXXX ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 U.S. Code 1681b : ) -Unauthorized access or use of my consumer reports for impermissible purposes.- : ( CAPITAL ONE XXXX ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : ) Unauthorized use or disclosure of my Social Security numbers.- : ( CAPITAL ONE ) ( XXXX ) XXXX CAPITAL ONE ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section 326 of the USA PATRIOT Act : ) -Failure to verify my identification by financial institutions. : ( Gramm-Leach-Bliley Act, Section 501 : ) - Failure to ensure the security and confidentiality of my personal and financial information.- : ( CAPITAL ONE ) XXXX XXXX XXXX ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Gramm-Leach-Bliley Act , Section 502 : ) - Unauthorized sharing of my non-public personal information with non-affiliated third parties.- : ( CAPITAL ONE XXXX ( XXXX XXXX ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Gramm-Leach-Bliley Act , Section 504 : ) - Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.- : ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Remedial Actions ) : -Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns , which are non-negotiable and require your immediate attention : 1 . Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX XXXX XXXX XXXX XXXX : ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX : ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AND THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX : ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.- ( 15 U.S. Code 1681c- 2 ) - : Block of information Resulting from identity theft ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, - ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of XXXXrookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy : - ( CAPITAL ONE ) ( XXXX ) ( CAPITAL ONE ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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08/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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i a living soul Beneficiary to the legal name of XXXX XXXX the consumer have applied for credit and comprehend it is the right of the consumer to be extended credit, i have been denied see attached, and it is to my comprehension rights have been violated by the all companies listed on the attached report., to all the companies and inquiries all reporting agencies violate the laws 15 U.S. Code 1681m - Requirements on users of consumer reports ( a ) Duties of users taking adverse actions on basis of information contained in consumer reports If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure ( A ) of a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report ; and ( B ) of the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title ; ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.
( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
( 2 ) Duties of person taking certain actions based on information provided by affiliate ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall ( i ) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause ( ii ) ; and ( ii ) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause ( i ), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.
( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.
( C ) Information described Information referred to in subparagraph ( A ) ( i ) except as provided in clause ( ii ), is information that ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report.
( c ) Reasonable procedures to assure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.
( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) In general Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b ( c ) ( 1 ) ( B ) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( A ) information contained in the consumers consumer report was used in connection with the transaction ; ( B ) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer ; ( C ) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral ; ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and ( E ) the consumer may exercise the right referred to in subparagraph ( D ) by notifying a notification system established under section 1681b ( e ) of this title.
( 2 ) Disclosure of address and telephone number ; format A statement under paragraph ( 1 ) shall ( A ) include the address and toll-free telephone number of the appropriate notification system established under section 1681b ( e ) of this title ; and ( B ) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission , the Federal banking agencies, and the National Credit Union Administration .
( 3 ) Maintaining criteria on file A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer.
( 4 ) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.
( e ) Red flag guidelines and regulations required ( 1 ) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title ( A ) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary ; ( B ) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers ; and ( C ) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time ( during at least the first 30 days after such notification is received ) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures ( i ) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes ; ( ii ) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to ; or ( iii ) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph ( B ).
( 2 ) Criteria ( A ) In general In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.
( B ) Inactive accounts In developing the guidelines required by paragraph ( 1 ) ( A ), the agencies described in paragraph ( 1 ) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.
( 3 ) Consistency with verification requirements Guidelines established pursuant to paragraph ( 1 ) shall not be inconsistent with the policies and procedures required under section 5318 ( l ) of title 31.
( 4 ) Definitions As used in this subsection, the term creditor ( A ) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business ( i ) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction ; ( ii ) furnishes information to consumer reporting agencies, as described in section 1681s2 of this title, in connection with a credit transaction ; or ( iii ) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person ; ( B ) does not include a creditor described in subparagraph ( A ) ( iii ) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person ; and ( C ) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph ( 1 ) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft. ( f ) Prohibition on sale or transfer of debt caused by identity theft ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit ( A ) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
( g ) Debt collector communications concerning identity theft If a person acting as a debt collector ( as that term is defined in subchapter V ) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall ( 1 ) notify the third party that the information may be fraudulent or may be the result of identity theft ; and ( 2 ) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.
( h ) Duties of users in certain credit transactions ( 1 ) In general Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.
( 2 ) Timing The notice required under paragraph ( 1 ) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph ( 6 ).
( 3 ) Exceptions No notice shall be required from a person under this subsection if ( A ) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report ; or ( B ) the person has provided or will provide a notice to the consumer under subsection ( a ) in connection with the transaction.
( 4 ) Other notice not sufficient A person that is required to provide a notice under subsection ( a ) can not meet that requirement by providing a notice under this subsection.
( 5 ) Content and delivery of notice A notice under this subsection shall, at a minimum ( A ) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report ; ( B ) identify the consumer reporting agency furnishing the report ; ( C ) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge ; ( D ) include the contact information specified by that consumer reporting agency for obtaining such consumer reports ( including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a ( p ) of this title ) ; and ( E ) include a statement informing the consumer of ( i ) a numerical credit score as defined in section 1681g ( f ) ( 2 ) ( A ) of this title, used by such person in making the credit decision described in paragraph ( 1 ) based in whole or in part on any information in a consumer report ; and ( ii ) the information set forth in subparagraphs ( B ) through ( E ) of section 1681g ( f ) ( 1 ) of this title.
( 6 ) Rulemaking ( A ) Rules required The Bureau shall prescribe rules to carry out this subsection.
( B ) Content Rules required by subparagraph ( A ) shall address, but are not limited to ( i ) the form, content, time, and manner of delivery of any notice under this subsection ; ( ii ) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable ; ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.
( 7 ) Compliance A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.
( 8 ) Enforcement ( A ) No civil actions Sections 1681n and 1681o of this title shall not apply to any failure by any person to comply with this section.
( B ) Administrative enforcement Without Prejudice, Without Recourse, All Rights Reserved, Exempt from XXXX XXXX By : XXXX : XXXX, Beneficiary
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07/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Complaint against XXXX XXXX, XXXX and her organization The ACMSS, and Capital One Visa.
Screenshots included in PDF form with attachments.
Timeline of events regarding my complaint against XXXX XXXX XXXX and her organization The XXXX, as well as a complaint against Capital One Visa credit card company.
In XXXX I started the process to obtain certification for XXXX XXXX through the XXXX.
Yearly renewal fee stated : {$85.00} per year.
Other documentation needed for renewal : Proof of continuing education which had to be provided to The ACMSS.
XXXX : The XXXX used the card I had utilized in XXXX and charges my card automatically for {$85.00}. I did not submit any proof of continuing education. Yet, the renewed my certification. I assumed the documents from XXXX training were still valid.
XXXX The XXXX charges my card again {$85.00} for XXXX XXXX XXXX. Again, I have not submitted any proof of continuing education. This time, I email them and ask them to please remove my card from their system. I told them if I wanted to renew, I would do so manually. They send me an email and confirm that they will fulfill my request to remove my card and not save my cards for any future charges unless I ask them to run it.
XXXX I renewed the XXXX XXXX certification by phone. Again, they still did not ask for my yearly proof of education. At this point, I am getting a weird feeling about them. It was hard to really doubt them because even XXXX XXXX has them listed on their website. Therefore, I assumed they were a valid and legitimate organization.
XXXX This is where the problem really gets serious.
XXXX I received an email from Capital One visa telling me a transaction for {$1200.00} was declined because I did not have enough credit.
The same morning of XX/XX/XXXX, I called Capital One and spoke to an agent. I explained to her that I did not know who the merchant was and I certainly did not authorize {$1200.00} to be processed. I asked the agent at Capital One to please do everything we need to in order to prevent this company from trying to charge my credit card. The agent tells me that all they need to do is issue a new credit card number. I asked specifically to her if we needed to close the account or put a block/alert on this merchant. She assures me nothing else needs to be done because the merchant does not have my actual account number, only my card number. At this point, although I thought they were the same thing, she was so sure of herself that I believed her.
During our conversation, I also asked her if there was a phone number for this merchant. She provided me with the number XXXX.
I called the number provided of XXXX and it was an answering service. They asked me how many licenses I wanted to purchase. I said I do not want to purchase anything, I want to know why you are trying to charge my card {$1200.00}. The woman informed me they were just an answering system. She asked for my name, phone number and the reason for my call so she could send the message. At this point, I am very uncomfortable with them as I do not know who they are. I tell her I want to know who this company is. All she said she could give me is their website. Which she said it was XXXX XXXX XXXX XXXX I decided to navigate the website provided and after some digging around, I realized it was linked to The XXXX. I called their phone number again and this time I left my name and number and asked for a callback.
Continuing on XX/XX/XXXX, after my credit card declined the transaction due to not enough credit. I received an email from The XXXX to my work email. They are sending me an invoice for {$400.00} I ignored the invoice as I had already been assured by the Capital One agent that The XXXX would not be able to process a transaction again.
XXXX At this point, I still have not received a callback or an email back from The XXXX. I have done both, emailed them and called them. By now, I have also received my new credit card as well as it has been activated and my bill paid off.
Continuing on XXXX I receive an alert that a transaction for {$1200.00} has been made on my Capital One account. See screenshot below. The merchant is listed as XXXX College of XXXX at yet another address ( see image ). Then it says that it will appear on my statement as XXXX College of XXXX. The phone number is for The XXXX
I click on their Report a problem and Capital One asks me to call them. I contacted them and they tell me there is nothing they can do until the transaction finalizes. The link to call this vendor gives me a different number of XXXX. The link on the screenshot that says XXXX College of XXXX Website That link takes me to an " XXXX XXXX XXXX '' Lawyers in the XXXX XXXX. See screenshot in PDF version of this statement.
Continuing on XXXX I once again contact XXXX XXXX and her company to once again get their answering service. I leave another message. I send them more emails, no response.
XXXX The {$1200.00} charge finalizes processing through my credit card account. I call Capital One again and I ask them to file a dispute. They asked me not to send any documentation unless they asked. They tell me they will look into it. I follow up with them a few weeks later and they tell me the merchant still has time to respond.
XXXX I received voicemail from a Capital One agent asking for me to call them back. The number on the caller ID shows as unknown, but he leaves a phone number as well as an extension number that I could not make up. I called the general phone number and they put me through the dispute department. The agent then asked me to submit documentation. He sends me a link and I send everything I have on hand. However, he was very vague with his request by saying to just upload documentation, he did not ask for specifics or said that the merchant had refused to refund the money. XXXX was a Friday and I did not have the time to submit them right there and then.
XX/XX/XXXX Capital One must have overnighted it a packet with a letter saying they were closing my case because the merchant had already responded. Note that I had just talked to Capital One on XXXX and they requested documentation. I had not even had a full business working to submit it. Now, this packet ( Copy enclosed ) had documentation The XXXX had submitted to them. As you can see, it is a screenshot of their website where supposedly all clients mark a checkbox. Remember that I had asked them to not keep my cards on file and they responded with affirmation they would remove it. When I paid over the phone, I obviously did not check a box. I never signed a contract with them either, although they say everyone signs a contract.
XXXX First thing in the morning, I use the link Capital One emailed me and I upload several documents along with a statement asking them to keep dispute open. Within a very short period of time, I received a call from Capital one and their agent tells me they are closing the dispute. I requested to speak to someone else. I then spoke to XXXX with employee ID XXXX in XXXX, VA. He tells me there is nothing they can do. Basically, it is my fault because I once provided this merchant with my credit card information. I spent one hour and twenty-five minutes on the phone with him, he decides to be helpful and send it to someone else for review. He also told me that XXXX XXXX and her organization probably pay VISA for a preferred service which includes VISA giving the merchant new card numbers. This is supposedly how XXXX XXXX and her company got a hold of my new credit card number.
Now, in the midst of all of this, I check my Capital one account and realized that on XX/XX/XXXX, the same they asked me to submit documentation, Capital One had already put the {$1200.00} charges back on my account.
I then, make the decision that I will email XXXX XXXX and her organization daily.
XXXX No returned calls from Capital One or The XXXX/ XXXX XXXX . I send XXXX XXXX emails at 3 different address I found. You will see this in the copy of the emails I will be attaching.
I also file my second complaint with the XXXX XXXX XXXX. I also received a notification from the previous complaint I filed. They tell me that the merchant responded ( same answer they gave Capital One ) and there is nothing they can do so they wont reopen my first complaint. They suggested taking them to small claims court. ( See email ) attached.
XX/XX/XXXX I email XXXX XXXX and her team again at 3 different emails.
@ XXXX I received an incoming call from a number XXXX, a Texas number. I am in the middle of my workday and cant answer the call at this time. I did look up the number on XXXX and discover the number is associated with XXXX sales department. They did not leave a voicemail.
XXXX @ XXXX XXXX I called the number that called me on XX/XX/XXXX, XXXX. A XXXX XXXX answers the phone. I tell her who I am and that I had missed a call from this number. She tells me that they will cancel my account and that it was approved on XX/XX/XXXX. Now, she kept saying canceling the account vs refunding me the money. I specifically asked her to verbalize a statement saying they are refunding me the {$1200.00}. She does so. I told her that no one has contacted me in any way or form to notify me of this. I asked her to send me an email with this information to have as a confirmation. She refuses to do so and tells me that they dont do that. She tells me I will just have to wait 4-6 weeks. At this point, on XX/XX/XXXX, XXXX with Capital One had told me The XXXX had already refused to refund the money twice.
XXXX XXXX I called XXXX with Capital One. He is not available so XXXX tells me he will call me back. In the meantime, she tells me to upload a statement with details of my conversation with XXXX XXXX. I do so per her link provided.
XXXX XXXX I have a missed call from XXXX with Capital one.
XXXX XXXX I called XXXX back and XXXX leaves him a message to call me back.
XXXX XXXX XXXX with Capital One calls me back. He tells me he has bad news and as per our conversation from XX/XX/XXXX there is nothing they can do and the dispute will be closed. I asked him if he had even looked at the documentation I had uploaded. He tells me no. I told him about my conversation with XXXX XXXX. He says he doesnt understand because refunds have been denied and they wont answer their phones. He also tells me Visa gives them 15 days to refund the money and the time is almost up counting back from XX/XX/XXXX as stated by XXXX XXXX. He tells me he will try to call them and puts me on hold. He gets back and says he has tried several times but keep getting a message saying she is on the other line. He tells me he will keep trying and will call me back once he hears something back.
XX/XX/XXXX at XXXX XXXX Capital One calls me. Again they tell me there is nothing they can do. I insist I do not want to close the dispute and I want to get to the bottom of this. XXXX still is not able to get a hold of merchant.
Sent another email to XXXX XXXX and her team. No response.
XXXX I received another letter from Capital One saying based on documentation submitted by XXXX XXXX and The XXXX, there is resolution and no refund is made. They tell me to send them a letter if I want to keep the dispute going. Letter from Capital One dated XX/XX/XXXX and tells me the documentation I sent them is not what they requested ( remember they did not ask anything in specific so I sent everything I had ). They really want to close the case.
Sent another email to XXXX XXXX and her team. No response.
No call back from XXXX at Capital One to update me on the status of contacting this XXXX XXXX.
XXXX @ XXXX XXXX I send another email to XXXX XXXX and her team. No response.
No callbacks from Capital One on this day either.
XX/XX/XXXX I still have not heard back from XXXX with Capital One or from XXXX XXXX / The XXXX.
I send Capital One a statement typed telling them I want to keep the dispute open. I also send documentation again with remarks on the enclosed merchant response they included. I used their link to upload it, I faxed a second copy at the number they requested of XXXX. Their phone number for Transaction Support Center XXXX. Then, I also mailed the 3rd copy to their address listed on the letter, with tracking which arrived XX/XX/XXXX.
Emailed XXXX XXXX and her team at more addresses found. No response.
XX/XX/XXXX - No calls backs or email responses from Capital One or XXXX XXXX. At this point, Ive given XXXX with Capital One a few days to try and get a hold of XXXX XXXX with XXXX XXXX and her XXXX organization. I called XXXX in the afternoon, he is not available. He calls me back and tells me he has been trying to call XXXX XXXX 2-3 times a day and no response. Now there is a different voicemail with a different voice. He tells me he has even asked them on the voicemail to provide me with a refund receipt. XXXX tells me he will continue to call them.
XX/XX/XXXX No calls backs or email responses from the merchant or Capital One.
Emailed XXXX XXXX at various email addresses. No response.
XX/XX/XXXX I email XXXX XXXX and her organization again. No response.
Missed call from Capital One - XXXX.
XX/XX/XXXX : I returned a call to XXXX with Capital One. They tell me he will call me back.
@ XXXX XXXX Mark with Capital one calls me and says he was able to speak to XXXX XXXX with XXXX XXXX and The XXXX. She tells him that she never told me I would get a refund ( which was my concern when she told me I WOULD get a refund, hence I recorded the conversation ). XXXX XXXX tells XXXX with Capital One that I agreed to a license of {$400.00}. The rates went up from {$85.00}, she says. I brought up the fact that I was charged {$1200.00}. XXXX tells me that he asked about that and XXXX XXXX told him that I signed up other people for licenses. Which I never did. I never authorized the charges, to begin with. They refuse to provide documentation to XXXX. XXXX tells me he cant force them to. At this time, I will be getting interests charged on this balance, I have used a lot of my time between phone calls, emails, filing complaints, reports, etc. XXXX with Capital One tells me there is absolutely nothing they can do now.
@ XXXX XXXX I contacted XXXX XXXX XXXX department in CA at XXXX dispatch told me I need to go through my local law enforcement.
XXXX XXXX and her company have not returned my messages still.
In short, XXXX XXXX and her organization have several complaint reports on the better Business Bureau. Mine is not even listed on there for some reason, so there must be more than it shows. They are renewing licenses based on credit card information previously obtained and somehow obtaining new credit card numbers. Their yearly renewal fee has always been {$85.00} but people are somehow getting charges of hundreds of dollars. They wont return calls and they have provided capital One with nothing that shows I agreed to pay {$1200.00}.
Capital One has been careless even with the documentation I submitted. Agents had no idea of what I was talking about when I would point out a specific document. It is like they were not even trying. The dispute was closed and charges put back in my account on the same day the first request for documentation was requested from me before I had even had the chance to submit documentation. They tell me it is my fault since I provided them once upon a time a credit card number. They tell me there is nothing they can do, they cant just take the money back. Yet, they also tell me they cant speak to the merchant, but the documentation the merchant sent is sufficient. The documentation the merchant sent has no documentation with my name on it or my signature. Capital One is not only accepting this as proof that I agreed to something, but they are also conveniently being careless with the review of documents I submitted.
I have provided them with a history of previous payments from previous years where the fee was {$85.00}. I provided them with the invoice of {$400.00} The XXXX sent me after their first attempt to charge me failed due to not enough credit. Yet they charged my card a second time for {$1200.00}. An obvious red flag.
Not to mention, I contacted both, Capital One and the merchant first time it happened. The very own Capital One agent assured me changing my card number would save me from this headache. Capital One now refuses to take accountability for not taking the necessary actions to protect me as their client. To make matters worse, they are not taking documentation I am sending seriously, and overlooking my documents.
Upon reading other complaint reports on this merchant, some people mention how their credit card blocked the transaction because it was suspicious. So if other cards did this, why is Capital One being so unhelpful? They say it is a Visa policy.
There is a lot more to this story in regards to the merchant. Such as discrepancies in their own email statements regarding refunds and what not. I will be submitting several documents with annotations on them to point out things listed on this statement.
I appreciate any assistance I can get. I have filed complaint reports with various institutions against XXXX XXXX and The XXXX but keep hitting walls. All these organizations receive the complaint but tell me there is really nothing they can do, they will file the complaint for records. This is not only about the merchant, but about Capital One and Visa as well. I am incredibly disappointed with how they are handling this situation. They have been so careless with my situation, even though I contacted them from the very beginning and have been in constant touch with them, as opposed to the merchant that wont even return their calls. The agent XXXX did say he would file a report/ complaint with visa about this merchant. Still, that does not help me directly.
In addition, I have recently discovered that she has this license even listed on XXXX. See attached pictures.
I will continue to gather all documentation I find, as well as continue to contact XXXX XXXX and The XXXX.
Sincerely, Their phone numbers found : XXXX XXXX XXXX XXXX Emails found for XXXX XXXX and The XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX PO BOX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Their websites : XXXX XXXX XXXX XXXX XXXX XXXX
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07/23/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section.
account name ; XXXX account number XXXX account name ; XXXX account number ; XXXX account name ; capital one account number ; XXXX account name ; XXXX XXXX account number ; XXXX these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern.
Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern.
15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection
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03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially
six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American, Servicemember |
I have called the companies and they refused to accept the documents because I have identity thief and fraud on my accounts and I sent them copies of the reports XXXX XXXX has received there I sent paperwork but nothing has happened when everything happened to my credit I contacted the bureaus immediately and had it put a free ze on each of them and the companies would accept the reports.
XXXX Complaint Department : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/XXXX DOB XXXX SS Dear To Whom It May Concern ; I'm writing to dispute the following information on my file. I have circled them items I disputed on the attached copy of the report I received.
These items : Disputed by name of source, such as creditors or tax court, identify of item, such as credit account, judgement, collections, etc. Is inaccurate or incomplete because : The section : ( 609 ) states remove all negative accounts in 30 days : Sec ( 809 ) reasoning and recording incorrect balances and debts that are incorrect was fraud activity and identity thief that has been entered on the reports. There is a police report enclosed and there has been police reports sent to each creditors and requested proof for the information is incorrect. It must be illiminated off the account immediate. There has been communication with creditors Statues ( 605 ) with debt collector and validations of these debts has been closed and late must be removed off the collection accounts it also shows past due amounts that are not correct and the creditors that was entered was not correctly.
The Federal and statue laws : Debt Collectors and Federal Trade Commission Consumer laws where it states that debt collectors, prohibited, harassement, abusive, deceptive practices, all these have happened to the consumer when there fraud alert, and identity thief. Statue of limitations states that it has to be removed off the report when inaccurate report and misinformation of creditors input and collection must be removed off and charge off and late dates everyone of the negatives has to be removed immediately. With each of these creditors that are incorrect and improper documentation must be removed immediately the creditor was not the original entered and inaccurate information is fraud verification on the report of the consumer. With FDCPA also has everything as stated must be removed.
They will also have the same letter as I'm sending to the affilations.
Dear XXXX, Statement of Dispute : I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors in reporting, I dispute the whole account and I insist that you verify the following dates : the Date Opened and the Date of First Delinquency.
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened and the Date of First Delinquency.There is certain information on the account XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$190.00} ) which I do not agree with. The Balance amount of {$190.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Please have your agency add a dispute remark to this account while I investigate the erroneous information with the creditor.
I am unsure about the information reported on the XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : XXXX, XXXX : {$1000.00} XXXX account. I only recognize the original creditor Capital One Bank Usa N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount that is reported by your agency for this account shouldn't be reported, because this account was closed. Due to these oversights in reporting, I dispute this account and I request a verification of the Date Opened and Date of First Delinquency for this account.
The company reported on the XXXX XXXX XXXX XXXX. ( # XXXX, Date Opened : XXXX, Balance : {$550.00} XXXX account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. For these reasons, I dispute this account and I request that your agency verify the following dates : Date Opened and Date of First Delinquency.
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} XXXX account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Because of this inaccurate information, I dispute this account and I ask for a verification of Date Opened and Date of First Delinquency.
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$3100.00} ) must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Since the incorrect representation of my credit activity might cause my report to present a lower credit score, I ask you to place a dispute remark on this account.
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$2200.00} ) is being reported incorrectly. The Balance amount of {$2200.00} provided by your agency is incorrect in comparison to the amount I think I owe. Moreover, the Past Due amount that you provided is not supposed to be presented for this account that is closed and charged-off. In order to repair my credit score, I am going to try resolve the invalid reporting on this account directly with the creditor. Please mark this account as disputed.
I found inaccurate information in my credit report for the account identified as XXXX ( # XXXX, Date Opened : XXXX, Balance : {$180.00} XXXX. The Balance amount of {$180.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Also, I observed an error in regards to the Past Due amount reported. Due to the fact that this account is closed and is reported as charged-off, the Past Due amount shouldnt be stated. I will be trying to contact the creditor directly regarding the erroneously reported data. In the meantime, I ask your agency to apply a dispute remark on this account.
I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history.
I have attached all necessary documentation to confirm my identity and current address.
To : XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Statement of Dispute Dear XXXX, I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information : I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors I dispute the whole account and I insist that you verify the following dates : Date Opened, Date of First Delinquency, Date of Status and First Reported.
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, XXXX : {$1000.00} XXXX account. I only recognize the original creditor Capital One Bank Usa N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened, Date of First Delinquency, Date of Status and First Reported information on this account.
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. Based on these mistakes, I dispute this account and I require that you verify the Date Opened, Date of First Delinquency, Date of Status and First Reported date.
The account XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$3100.00} ) must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Please have your agency add a dispute remark to this account while I investigate the erroneous information with the creditor. I also request that you verify the Date Opened, Date of Status and First Reported information on this account.
The company reported on the XXXX XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$550.00} ) account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. In light of these reporting mistakes, I dispute this account and I require a verification of the Date Opened, Date of First Delinquency, Date of Status and First Reported information as reported.
I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} XXXX account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Due to this inaccurate information, I dispute the entire account and I would like to have the following dates verified : Date Opened, Date of First Delinquency, Date of Status and First Reported.
I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history.
I have attached all necessary documentation to confirm my identity and current address.
To : XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Statement of Dispute Dear XXXX, I am writing this letter to your agency as a result of deceptive evidence of my credit activity presented in my report. Your agency is supposed to verify all the data reported in order to assure the highest level of accuracy. I, therefore, ask you to verify and correct the following information : I have noticed derogatory information on the XXXX, XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$130.00} ) account. I only have a contract with the original creditor XXXX XXXX ; which is a different company. I disagree with the Balance of {$130.00}, as I remember the amount to be lower. Because of these errors in reporting, I dispute the whole account and I insist that you verify the following dates : the Date Opened and the Date of First Delinquency. Sec. ( XXXX ) St I am unsure about the information reported on the XXXX XXXX XXXX ( # XXXX, Date Opened : XXXX, Balance : {$100.00} ) account. I only recognize the original creditor The XXXX XXXX ; which is a different company than the one you have reported. I do not agree with the Balance of {$100.00}, because I remember the actual amount to be lower. Also, I observed an error in regards to the Past Due amount. Due to the fact that this account is closed, the Past Due amount shouldnt be stated. Because of this inaccurate information, I dispute this account and I ask for a verification of Date Opened and Date of First Delinquency.
I am unsure about the information reported on the XXXX XXXX XXXXs ( # XXXX, Date Opened : XXXX, Balance : {$1000.00} ) account. I only recognize the original creditor Capital One Bank USA N A ; which is a different company than the one you have reported. The Balance amount of {$1000.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount that is reported by your agency for this account shouldn't be reported, because this account was closed. Due to these oversights in reporting, I dispute this account and I request a verification of the Date Opened and Date of First Delinquency for this account.
The company reported on the XXXX XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$550.00} ) account is unknown to me. I have only got a contract with the original creditor XXXX XXXX. I disagree with the Balance of {$550.00}, as I remember the amount to be lower. Moreover, the Past Due amount that you provided is not supposed to be presented for this account, as the account is closed. For these reasons, I dispute this account and I request that your agency verify the following dates : Date Opened and Date of First Delinquency.
The false information presented on the account The XXXX XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$270.00} ) must be fixed. I am only aware of the original creditor XXXX XXXX ; I have no idea who the collection agency that you report on this account is. I do not agree with the Balance of {$270.00}, because I remember the actual amount to be lower. In light of these errors, I am disputing this entire account and I ask for a verification of the Date Opened and the Date of First Delinquency.
The account XXXX XXXX XXXX # XXXX*, Date Opened : XXXX, Balance : {$3100.00} XXXX must be reviewed. I do not agree with the Balance of {$3100.00}, because I remember the actual amount to be lower. Also, how is it that you report a Balance that is higher than the High Balance? Moreover, I would like to bring to your attention the reported Past Due amount, which shouldn't be provided for this closed and charged-off account. Since the incorrect representation of my credit activity might cause my report to present a lower credit score, I ask you to place a dispute remark on this account.
The account XXXX XXXX XXXX # XXXX*, Date Opened : XXXX, Balance : {$2200.00} ) is being reported incorrectly. The Balance amount of {$2200.00} provided by your agency is incorrect in comparison to the amount I think I owe. On top of that, how come the reported Balance is higher than the High Balance? Moreover, the Past Due amount that you provided is not supposed to be presented for this account that is closed and charged-off. In order to repair my credit score, I am going to try resolve the invalid reporting on this account directly with the creditor. Please mark this account as disputed.
Given the incorrect information that you have been reporting on the XXXX XXXX XXXX # XXXX, Date Opened : XXXX, Balance : {$740.00} ) account, I request a verification of such information. I do not agree with the Balance of {$740.00}, because I remember the actual amount to be lower. Moreover, how can you have reported that the Balance for this account is higher than the High Balance? Furthermore, according to your report, this account is closed and charged-off. Sec ( 623 ) If so, it is incorrect to report a Past Due amount for this account. This account has likely caused my credit score to drop. Given this, I need to reach an agreement with my creditor in regard to the incorrect data. I ask your agency to mark this account as disputed because I do not want my credit score to get even lower.
I would like to mention that the furnishers do not provide accurate information ; as a result, they are not a trustworthy source to rely on. I ask that you to verify and adjust all the disputed inaccurate information on my file. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. I request for the data to be corrected to avoid any negative impact on my credit history.
I have attached all necessary documentation to confirm my identity and current address.
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02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Dear CAPITOL ONE BANK Representative, In XXXX of XXXX I, : XXXX XXXX XXXX XXXX XXXX applied for a credit card online with CAPITOL ONE BANK. I was excited to move forward with this process because it was my first time ever applying for a credit card ; so I thought. On the XX/XX/XXXX I received a letter in the mail from CAPITOL ONE stating Great News, you have had been approved for a credit card issued by CAPITOL ONE with a {$3000.00} credit limit. You should receive a Welcome Kit with your new card soon. I would soon after receive the card in the mail and begin using it. I do not recall if the card agreement came with the card or after the card arrived. However, when I did begin looking over the card agreement I needed clarification on some of the information being presented. So, I went to XXXX. How does the repayment system work in regards to a credit card? If I pay the minimum balance does that give me access to the full credit limit every month? If I pay for only what I spend, what is the difference between that and a debit card? How is an APR calculated for me? What is credit? I would soon be guided to United States Codes, bankruptcy laws, and case laws involving banks. What I discovered after weeks of researching left me feeling confused and helpless. How could I become a victim of bank fraud? I never was presented anything during the online application process that made me question CAPITOL ONES trustworthiness ; but it was not about what was presented, it was more so what was not presented that bothered me!
I am reaching out to CAPITOL ONE bank demanding they remedy this awful fraudulent transaction they knowingly conducted. But first, let us go over what I discovered.
What is credit?
Pursuant title 15 United States Code ( USC ) 1602 ( f ) -The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. A right is something that can not be taken away or denied, unless the person who has the right allows someone to do so. A man once asked, what is the purpose of an extension cord? To plug things in to receive power, says the woman. Ok, says the man. So where does the power come from? The extension cord or the source that the extension cord is plugged into? I am the original creditor, I credited CAPITOL ONE.
I credited CAPITOL ONE BANK when I filled out the online application and when providing my social security number. Which I also discovered pursuant 15 USC 1602 ( L ) -The term credit card means ANY card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. What is one thing businesses require in order for consumers to be extended credit, start a phone plan, to obtain a license, acquire utilities? A social security number! Therefore, my social security number is a credit card. Crazy right? But Im sure Banks -like CAPITOL ONE- already knew that! Thats why they fabricated a lie saying the social security number was used only to identify the person applying.
Sadly, it does not end there ; I would later receive another brochure from CAPITOL ONE discussing sharing limits. It included what information of mine was going to be shared on behalf of CAPITOL ONE, and I could do about it. Included in information that would be shared, that I could not limit or stop CAPITOL ONE from sharing, was my social security number. What?! How could this be?! How can someone acquire my credit card information then tell me they are going to give out the information and there was nothing I could do about it. What kind of business transaction was this? Had I known all that I knew before applying to have credit extended through CAPITOL ONE, I wouldve reconsidered! That was not the end of the disappointment.
I discovered a case, XXXXXXXX XXXX XXXXXXXX XXXX Bank. In the case conclusion they stated, A national bank has no power to lend its credit to any person or corporation. As well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A bank can lend its money but not its credit.
Then I thought, ok well is CAPITOL ONE a national bank? After speaking with A CAPITOL BANK rep. I discovered that CAPITOL BANK is a national bank.
Ok, well I applied for credit to be re-extended to me so they extended credit to me. Which meant they input numbers in their computer or books that would be put on a card given to me. As I read more of CAPITOL ONEs brochures, I noticed a section titled Making Payments which stated, Your payment must be made in U.S. dollars from a U.S. deposit account in a form acceptable to us. Why would I pay U.S. dollars when U.S. dollars were not given? Why would I pay U.S. dollars when pursuant 12 USC 582 it states, No national banking association shall hereafter offer or receive United States notes or national bank notes as security or as collateral for any loan of money. Then I thought, well they didnt loan me anything. But if they didnt loan me anything, why are they asking for me to repay it? I applied for credit to be re-extended to me not for a loan. Right? Or maybe CAPITOL ONE BANK cultivated language leading consumers to think there is difference between an extension of credit and a loan? Lets say it is a loan and I am supposed to repay. Well, what proof does CAPITOL ONE have of lending me their money? Or did they give check book money? What do I mean by check book money? Money CAPITOL ONE bank created out of thin air and is wanting me to repay in legal tender. That sounds like fraud! CAPITOL ONE never loaned anything, they just switched currencies. CAPITOL ONE risked nothing. CAPITOL ONE has denied me equal protection under the law by exchanging one currency for another and refusing to be repaid in the same type of currency deposited. Which in this case, was the credit card application. Additionally, there was never an indication as to what kind of dollar was to be given to me or was expected to be used when re-payments were to be made. Does capitol one define dollar as credit money or dollar as legal money?
Can CAPITOL ONE tell me how much they sold my mortgage note to the federal reserve for?
During my research I came across the phrase, ultra vires, which is derived from a XXXX word meaning beyond the powers of. In case law, XXXX XXXX XXXX XXXX XXXX XXXX Bank they stated, The doctrine of XXXX XXXX is the most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. In the transaction between CAPITOL ONE and myself, CAPITOL ONE without a doubt- operated beyond their powers in various instances already laid out above and below ; making the transaction VOID.
Additional information found worthy of citing is from the Bible, If you lend money to My people, to the poor among you, you are not to act as a creditor to him : you shall not charge him interest. Exodus 22:25. CAPITOL ONE sent a paper saying my APR rate would take effect in 15 months. But what are they charging interest on if they never lent legal tender? And if they did give their money, where did it come from?
Lets look at case law XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. The bank tried to foreclose on XXXX house due to nonpayment of a loan. XXXX stated, the bank never loaned anything the bank merely created money and credit by writing it in their bookkeeping records. The president of the bank stated that there was no United States Law of Statue which gave him the right to create money or credit out of thin air. The Justice of Peace stated, only God can create something out of nothing. And since the Banks act of creating is not authorized by the Constitution and Laws of the United States, it is unconstitutional and void! XXXX XXXX XXXX would also state, the Federal Reserve Bank and National Banks exercise an exclusive monopoly and privilege of creating credit and issuing notes at the expense of the public which does not receive a fair equivalent. This scheme is obliquely designed for the benefit of an idle monopoly to rob, blackmail, and oppress the producers of wealth. He later exclaimed, these acts ( done by the federal reserve banks and national banks ) have defiled the lawfully constituted Government of the United States and are subversive to the rights of the People in their rights to life, liberty, and property. ( the last sentence he pulled from 31 USC 462 ).
I am holding CAPITOL ONE bank liable for violating the following : Conspiracy of rights ( 18 USC 241 ), Deprivation of rights under color of law ( 18 USC 242 ), Civil action for deprivation of rights ( 42 USC 1983 ), conspiracy to interfere with civil rights [ 42 USC 1985 ( 3 ) ]. Action for neglect to prevent ( 42 USC 1986 ). See below for USC breakdowns.
We can go to court and I will seek {$50000.00} ( 10 thousand for each code violated plus the money I have already put towards the credit balance ), as well as any additional fees for the inconvenience this situation has or may have caused. Or if this can only be tried in small claims court I will take every representative to court that I have explained this issue to and charge them for violating title 42 USC 1986, plus any additional fees this inconvenience has caused me. As well as holding CAPITOL ONE BANK liable and will be asked for my remedy in small claims court to be disbursed in gold and silver only. Or we can remedy this without having to go to court by CAPITOL ONE BANK agreeing to the following : increasing the credit limit to {$10000.00} per month. Zeroing out the credit balance at the end of every months billing cycle. Cease the sharing on my credit card information ( social security number ). Give me a list of places, persons, corporations, businesses, entities, etc. that CAPITOL ONE has already shared my personal information with personal information including social security number.
I am expecting this issue be resolved as soon as possible! This transaction between myself and CAPITOL ONE BANK has already taken away time that I could be spending with individuals who actually care and respect me. Yet, here I am discussing with frauds their fraudulent activities that they are already aware of. CAPITOL ONE BANK, you must do better. And I hope when transitioning into the crypto world you do not continue on with these deceptive trade practices.
When can I accept the card balance to be zerod out and credit limit increased?
: XXXX XXXX XXXX XXXX.
ADD ON= On XX/XX/XXXX I contacted CAPITOL ONE and spoke with XXXX XXXX employee ID : XXXX ) explaining her in detail my disappointments with the company, asking her to remedy the situation. She shared, Honestly, I didnt write anything you said down because the information you presented is not relevant. If we go to court I will ne holding XXXX liable for violation of title 42 USC 1986. Also, it should be noted, if a consumer calls your company CAPITOL ONE- sharing how an error has occurred in the midst of a transaction, please train them to not say they were not paying attention. That is the biggest slap in the face. It frustrates me because these are the kinds of people you have employed to go over business matters with consumers. Ridiculous! I have the call recorded with my interaction with XXXX and the other two representatives I spoke with prior to her discussing the same issue. Its just a bad situation because XXXX is supposed to be the supervisor.
Title 18, U.S.C., Section 241 - Conspiracy Against Rights This statute makes it unlawful for two or more persons to conspire to injure, oppress, threaten, or intimidate any person of any state, territory or district in the free exercise or enjoyment of any right or privilege secured to him/her by the Constitution or the laws of the United States XXXX XXXX or because of his/her having exercised the same ).
It further makes it unlawful for two or more persons to go in disguise on the highway or on the premises of another with the intent to prevent or hinder his/her free exercise or enjoyment of any rights so secured.
Punishment varies from a fine or imprisonment of up to ten years, or both ; and if death results, or if such acts include kidnapping or an attempt to kidnap, XXXX XXXXXXXX XXXX or an attempt to commit XXXX XXXX XXXX, or an attempt to XXXX, shall be fined under this title or imprisoned for any term of years, or for life, or may be sentenced to death.
Title 18, U.S.C., Section 242 - Deprivation of Rights Under Color of Law This statute makes it a crime for any person acting under color of law, statute, ordinance, regulation, or custom to willfully deprive or cause to be deprived from any person those rights, privileges, or immunities secured or protected by the Constitution and laws of the U.S.
This law further prohibits a person acting under color of law, statute, ordinance, regulation or cu0stom to willfully subject or cause to be subjected any person to different punishments, pains, or penalties, than those prescribed for punishment of citizens on account of such person being an alien or by reason of his/her XXXX or XXXX.
Acts under " color of any law '' include acts not only done by federal, state, or local officials within the bounds or limits of their lawful authority, but also acts done without and beyond the bounds of their lawful authority ; provided that, in order for unlawful acts of any official to be done under " color of any law, '' the unlawful acts must be done while such official is purporting or pretending to act in the performance of his/her official duties. This definition includes, in addition to law enforcement officials, individuals such as Mayors, Council persons, Judges, Nursing Home Proprietors, Security Guards, etc., persons who are bound by laws, statutes ordinances, or customs.
Punishment varies from a fine or imprisonment of up to one year, or both, and if bodily injury results or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire shall be fined or imprisoned up to ten years or both, and if death results, or if such acts include kidnapping or an attempt to kidnap, aggravated XXXXXXXX XXXX or an attempt to commit aggravated XXXX XXXX, or an attempt to kill, shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
Title 42, U.S.C., section 1983 Civil Action for Deprivation of Rights Every person who, under XXXX of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia.
Title 42 U.S.C., section 1985 Conspiracy to Interfere with Civil Rights ( 3 ) Depriving persons of rights or privileges If two or more persons in any State or Territory conspire or go in disguise on the highway or on the premises of another, for the purpose of depriving, either directly or indirectly, any person or class of persons of the equal protection of the laws, or of equal privileges and immunities under the laws ; or for the purpose of preventing or hindering the constituted authorities of any State or Territory from giving or securing to all persons within such State or Territory the equal protection of the laws ; or if two or more persons conspire to prevent by force, intimidation, or threat, any citizen who is lawfully entitled to vote, from giving his support or advocacy in a legal manner, toward or in favor of the election of any lawfully qualified person as an elector for President or Vice President, or as a Member of Congress of the United States ; or to injure any citizen in person or property on account of such support or advocacy ; in any case of conspiracy set forth in this section, if one or more persons engaged therein do, or cause to be done, any act in furtherance of the object of such conspiracy, whereby another is injured in his person or property, or deprived of having and exercising any right or privilege of a citizen of the United States, the party so injured or deprived may have an action for the recovery of damages occasioned by such injury or deprivation, against any one or more of the conspirators.
Title 42 U.S.C., 1986 Action For Neglect To Prevent Every person who, having knowledge that any of the wrongs conspired to be done, and mentioned in section 1985 of this title, are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured, or his legal representatives, for all damages caused by such wrongful act, which such person by reasonable diligence could have prevented ; and such damages may be recovered in an action on the case ; and any number of persons guilty of such wrongful neglect or refusal may be joined as defendants in the action ; and if the death of any party be caused by any such wrongful act and neglect, the legal representatives of the deceased shall have such action therefor, and may recover not exceeding {$5000.00} damages therein, for the benefit of the widow of the deceased, if there be one, and if there be no widow, then for the benefit of the next of kin of the deceased. But no action under the provisions of this section shall be sustained which is not commenced within one year after the cause of action has accrued.
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05/14/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have been in contact with Capital One bank for the last 6 months, trying to get this situation resolved. The company has not attempted to legitimately address any of my issues in the slightest. Instead, they have accused myself, with no evidence, of having no established or registered business and repeatedly given me wrong or incorrect information. I have been conducting business for years under this name, while filing taxes as an XXXX XXXX, using my personal Social Security number. Not only that, I also have numerous photos of my myself working in this business, whether at catered events, or in the kitchen itself, which I have attached.
On or about XX/XX/XXXX, I opened up a XXXX Checking account with Capital One Bank. I proceeded to conduct the usual banking actions over the course of the years ( ACH and cash deposits, check deposits, ATM withdrawals, credit card payments, bill pay orders, miscellaneous bill payments, etc. ) As a result of the covid-19 pandemic, I ended up depositing my EIDL SBA loan around XX/XX/XXXX. On or about XX/XX/XXXX, I received an email from Capital One XXXX XXXX XXXX stating that they'd noticed unusual recent activity on my account and that my account had been restricted until I called in to verify some details. I immediately called the number provided, concerned that some type of fraudulent charges had posted to my account. When I called in, the representative began asking me questions regarding recent transactions, most specifically why I had been making an increased amount of withdrawals in the last few months. These withdrawals were a result of my attempt to withdraw the SBA disaster loan I had received in XXXX for my business that was shut down because of the pandemic. However, because there are no physical branch locations in my city, I was forced to make repeated ATM withdrawals, over the course of weeks, in order to gradually get the money out of my bank account. I had even called Capital One to see if my daily withdrawal limit could be temporarily raised so I could withdraw it all at one time, but I was told I could not.
As I was doing my best to verbally answer her questions, particularly why I had to make so many withdrawals and why I had received a government loan in addition to unemployment payments, I received a secondary call from Capital One. I asked the agent to give me a moment, as Capital One was calling me on the other line, just in case it was in regard to my account as well. Unfortunately, after asking the other representative to call me back and quickly switching back, the original agent had decided to hang up. After calling back several times, I was eventually able to speak to a different agent. However, after undergoing the questioning and justification regarding my banking habits again, this agent informed me that, based on the information ( only verbal answers ) I had provided, my account was under review and would be closed upon completion of the internal review. I was informed that my the remaining balance after the review would be mailed to me once the closure was complete. However, I was also told it was unlikely that any money would be returned to me, despite a current balance of {$680.00} ( all accrued from unemployment ), unless my total balance totaled the full amount of the loan amount I had previously received. The explanation I received for this was that the SBA might try to reverse the deposit, despite the fact that I had received no correspondence from the SBA to this effect. When I asked how long this review and closure process would take, I was not given any timeframe. When I asked for a point of contact, who could provide a timeframe or updates, whom I could provide documentation to prove the legality of my account activity and incoming deposits, I was told there was no one.
At no point was I EVER asked to provide ANY sort of documentation, tax documents or anything else that might legitimize my small business or ownership of loan funds being deposited. In the same way, at no point, was I EVER provided the opportunity to validate my deposits with evidence ; despite me asking successively, multiple times in the same conversation, for an email or someone to send supporting documentation or evidence to of the validity of my ownership of the funds. Instead Capital One decided to simply ask me inconsequential questions over the phone, like : Why did you make so many ATM withdrawals? What did you spend all the loan money on? How many employees do you have? Why dont you have any employees? Why do your commissary customers, who are catering for special events, choose to pay you in cash? Why dont you force them to write you a check to deposit in our bank account? Keep in mind, I reiterated and explained several times that I had NOT spent all the loan funds and had not even begun to utilize them, as the quarantine had required us to close temporarily. Why you ( Capital One ) feel the need to lie to a consumer protection bureau, in defense of money that you unjustly stole from me, is beyond my comprehension. If they actually wanted to give me the opportunity to legitimize my business, they would have provided me with a contact person to send documentation to, in order to allow me to properly defend myself against their baseless accusations. If they want to be power crazy, and do whatever they want because theyre the bank, then they should just own up to that. Stop pretending to be fair when you were not.
The next day I received another email stating that my account was restricted and that pending the review, my " account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. '' This, in itself, is odd, since I did not have a linked external checking account. After this, I did not receive much more correspondence, until on or about XX/XX/XXXX, when I noticed that my account balance had gone from {$680.00} to XXXX. When I called Capital One to find out to what address they had mailed my account closure balance check, I was informed that my balance had been withdrawn and sent to the SBA instead. When I requested a transaction ID or identifying information on the deposit, to reference when I contacted the SBA, I was provided nothing. The representative simply told me to contact someone in Capital One Customer Protection. That same day, I contacted the SBA help line, to verify if the bank can send back a deposit to the SBA. I was told no, the only way to make a payment toward an SBA loan is through the specific portal and payment website. I have continued to monitor my SBA loan management account, balance and payments posted and there is record of any credit/payment posting to my account or crediting toward lowering amount due for repayment.
On or about XX/XX/XXXX, I received my actual account closure check amount, totaling {$0.00}, which was interest accrued on the prior month 's balance. On XX/XX/XXXX, I contacted Capital One once again to determine where the {$680.00} was sent, since the SBA clearly never received it. After being transferred back to Customer Protection, I was informed that my payment had not been sent to the SBA, as previously stated, but to the Treasury. The representative then falsely claimed that it was the Treasury 's responsibility to disperse the funds to the appropriate department. However, the agent could not provide any evidence of who exactly the money was sent to or how the process worked. She simply claimed that it was their procedure to do it that way. I explained to her that the SBA, nor the Treasury, asked Capital One to make a payment toward my loan or return the loan payment, so why would they randomly send my money to the Treasury, with no explanation? She claimed that if the Treasury had not dispersed my money to the SBA, it probably was in their " Uncollected Funds ''. I asked if my payment had been sent with my account details, my name, social security number, checking account number, or any other type of identifying information to guide the Treasury on where to send the money. The agent once again claim they could not provide any information, simply stating over and over that they don't do anything with the payment once it is sent. I then asked the agent to which Treasury the payment had been sent to. Was it the US Treasury? A state Treasury? Where exactly had my money gone? If Capital One is actually randomly sending money to government departments, I need to know exactly where it was sent, so I can call someone to get this straightened out myself.
I once again asked for a deposit ID or a transaction number that I could reference when contacting the Treasury ( whichever one it was sent to ). I was told that Capital One does not have that information. It is quite clear that someone at Capital One has that information, since supposedly someone in Capital One is sending money to the Treasury. Finally, after continuing to press her, the representative put me on hold to find a contact number for someone at the specific Treasury that the money was sent to. When she returned to the line, she provided a contact phone number of XXXX, which I confirmed with her when writing it down. This same number is seen written on the statement attached. The agent then stated to me that she had confirmed that my payment had either been sent to the Treasury or the Secret Service, she wasn't sure. Upon calling the number provided, it is a disconnected phone number, or at least does not ring through to anything. I have now been on hold for a total of 25 hours, waiting for an operator at the Department of the Treasury, in order to try to speak to someone who can locate my funds and either return them to me or properly route them to the proper destination.
I think it is also quite convenient that every time I contact Capital One to find out where this balance was sent, it magically gets sent to somewhere or someone else, that they believe I have not contacted yet. First, I was told it MIGHT be sent to the SBA, or it might be mailed back to me, with no provision of any point of contact. Then a month later, I am told it actually was sent back to the SBA, once again with no point of contact. Then, a few months after that, when I informed Capital One that, per the SBA, banks can not simply send funds back to the SBA, the story suddenly changes. Now, it was sent to the U.S. Treasury and I am given a disconnected number to call. Why does Capital One have a disconnected number for a government branch that they seem to do so many transactions with ( as I was informed repeatedly that Capital One has a procedure that they follow in these situations )? Yet, it seems that they cant get their story straight, even with a set procedure in place, since it is so unclear that I have been told, in total, that it was sent 3 different places, in 3 different conversations, with 3 different representatives, all of whom had to put me on hold, in order to contact the internal department who handles these sort of situations. Now, after filing a complaint, the current story is that it was actually sent to The Secret Service, for sure this time. Unfortunately for Capital One, I have already contacted both my local office in XXXX XXXX, NV, in addition to the XXXX, FL field office as well. Guess what I was told, by 2 federal agents in COMPLETELY OPPOSITE states? The Secret Service does not take any funds without contacting me in some way and getting my signature in writing. They also go and get the money proactively, after this consent is obtained. Banks do not send them money unrequested. In addition, there is no ongoing investigation into myself, my business, or my SBA loan by the Secret Service.
After filing a complaint with a regulatory agency, a Capital One agent responded to my complaint with a standard justification entailing that I was provided opportunity to provide evidence and I did not. They stated : Our records confirmed that the account received two deposits of {$59000.00} from the SBA Treasury on XX/XX/XXXX and {$3000.00} on XX/XX/XXXX. These deposits were deposited into a consumer account with no established or registered business. The accounts were restricted on XX/XX/XXXX. We provided you the opportunity to provide evidence to validate the proceeds that were received. Due to the lack of evidence a business decision was made to return the funds and close the account. The only amount that was owed to you was the interest earned of {$0.00} which was mailed to you via check when the account was closed on XX/XX/XXXX. The funds have been sent back to the United States Secret Service, this includes the {$680.00}. The government as well as Capital One will send a letter with directions to protest with a contact to reach out to the government to protest.
In closing, Capital One has not done what they said they would do, because they have not attempted to remedy this situation in the slightest. Instead, they have simply attempted to shift blame for this situation away from themselves. As I stated above, it is extremely misleading how Capital One claims that, due to lack of evidence a business decision was made to return the funds and close the account, when, at no point, did they give me ANY opportunity to provide any sort of documentation or evidence to them. Pretty convenient to claim that you gave me an opportunity, so that you can blame me for why you had to make that decision. Except for one thing, the claim that I was given opportunity to provide evidence is a lie. There currently is not nor was there ever any writ or judgment against me or filed upon my account. Based on this, my funds should have been immediately returned to me, and not held for an undisclosed amount of time and then stolen. At no point, has any representative from Customer Protection even apologized for me receiving incorrect information over the past 6 months and wasting weeks of my time. In addition, I HAVE NEVER received any correspondence from Capital One OR The United States Secret Service with directions to protest any of these decisions. When I was on the phone with the representative, I was once again not given ANY directions on how to protest, despite numerous requests for it. In my initial call, I requested a phone number to contact someone. I was denied. I requested an email that I could email documentation to. I was denied. Alternatively, I requested my contact information to be given to the internal department instead, so they could contact me at their convenience, with any requests for documentation or necessary information. I was denied. How can a claim be made that they mailed me a letter with directions to protest, when I was verbally denied this exact information? Similarly, if this government contact to reach out is known, then why isnt this information not specifically stated in this response, rather than this attempt at gaslighting me into believing that they will proactively contact me? Obviously, whoever they sent it to did not notify the Secret Service of receipt of such funds, since they do not know about it. In respect to the government mailing out a letter, I would think that if the Secret Service had sent me directions to protest, they would have record of that when I am calling their office and speaking with federal agents. Except, they do not. Because, they are not investigating me for loan fraud and thus did not request Capital One to freeze my account or seize my funds. Instead, of their own volition, Capital One chose to lock my account ( which is in their right to do ), and then determined to send unrequested funds to some unknown entity, who they continue to refuse to disclose ( which I do not believe is in their right to do, considering that they gave me no opportunity to provide documentation, despite my request to do so, and their insufficient evidence for seizure of my funds ). Upon closure of a bank account, the balance is to be returned to me, unless there is a levy or garnishment on the account. Since there is not, Capital One did not have a legal right to disperse my funds to someone other than myself. To this day, they continue to fail to provide any proof or evidence of delivery or recipient receipt of funds. You can not just send money to The United States Secret Service. You have to address it, whether to a person, a department, an address, or even a city ( still a little unreasonable, but at least I have something to work with ). In addition, they have also failed to provide proof of duty of care, to insure that these funds were properly labeled, for efficient dispersal of funds, once received by the recipient. They are obviously trying to mislead and misdirect attention, in order to waste mine and others time, while they continue to unjustly profit from stolen funds.
If Capital One wants to take people 's hard earned money, and money that the government is providing to small business owners to keep them from going bankrupt, they should at least keep track of where they're sending that money, unless they're simply unjustly enriching themselves/their government counterparts, with mine and I'm sure many other 's money that we need to survive. I am a young, XXXX, minority business owner and this is unacceptable during a pandemic and in this current day and age. Regulate these companies. They are out of control.
I apologize for the length of this complaint, but Capital One seems to be avoiding every opportunity to rectify this situation and someone needs to hold them accountable for taking customers funds illegally. In their response to my complaint, I was also provided the responders specific contact info, whom I immediately attempted to contact. However, once again, they did not answer and I was forced to leave a voicemail, which has not been returned.
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10/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
On Friday XX/XX/XXXX I mailed Certified Mail 2 negotiable Instrument/Securities/Non ash Items/Coupon Securities to via USPS certified Mail Capital One Bank N.A. to the address XXXX XXXX XXXX XXXX XXXX XXXX via USPS certified Mail XXXX.
On XX/XX/XXXX I mailed 3 Instruments/Coupon Securities/Bearer Bonds/Items/Non Cash XXXXtems to Capital One Bank N.A XXXX XXXX XXXX XXXX NC XXXX per the Cardmember agreement page 7 heading ITEMS. and they were received on Monday XX/XX/XXXX at XXXX, via USPS Certified Mail ending in XXXX, XXXX it has been 14 days and Capital One Bank N.A . Is in Dishonor and has not provided the instruments return with dishonor nor has performed or paid the instruments. Per Code of Virginia they are in violation. This is the 2nd Presentment of securities Items per their Card member agreement page 7 presenting items with restrictive endorsements.
Capital one is in dishonor and has been sent an affidavit of truth and dishonor which has gone unrebutted for 14 plus 2 days as of XX/XX/XXXX via USPS certified Mail XXXX to the CFO Mr. XXXX XXXX detailing all violations to not honoring these above mentioned instruments as well as not providing a true and correct copy of the application/letter of credit/petition/ that is collateral and Trust property, that has been demanded on multiple occasions only to be denied then I was told that they sold the note in a letter dated XX/XX/, well there has to be an electronic copy of the Instrument. I was told one can not be produced because I filled out an electronic application online and that there is no signature. Which is a misrepresentation of facts and a violation of the EFT Act and E signatures Act and violates my common law property rights and claims to equity and is obstructive deceptive in essence as well, if Capital One has sold the note and they cant produce an instrument electronically what did they sell? Take in mind that I requested all of this information of material disclosures well before the account went into default and I have evidence of such facts. Capital One didn't sell the note/letter of credit until I started asking for it and have been dishonoring all Items sent to gain increased interest charges and keep the account in default. All items have been reported stolen to the respective jurisdiction and summary judgement will be sought for an unrebutted affidavit stands as silence and acknowledges fault on all accusations pursuant to the pleading. Capital One bank also closed by Business account that has absolutely nothing to do with my capital one rewards account. they are 2 separate accounts with 2 different card member agreements. There is no section or current standing law that allows capital one to close a business account that is in good standing. Capital One closed these accounts because I observed my rights under Gods law and commercial law when I sent a Letter of Recession to renegotiate the pledging and assignment agreement within the cardmember agreement. Code of Virginia supports secured interest in deposit accounts as long as an authenticated record between the secured party the debtor and the bank exists. I was ignored and accounts closed for that reason and this fact remains unrebutted within the affidavit of truth. This action is a deprivation of rights, deceptive trade practices, and theft of funds, larceny and interference with commerce, Misrepresentation of facts, and obstruction of equity rights. these are very serious violations that capital one has not rebutted.
Per Code of Virginia in which the card member agreement is governed by the laws of Virginia states ( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under 8.3A-306 by another person. ( b ) The obligation of a party to pay the instrument is not discharged under subsection ( a ) if : ( 1 ) a claim to the instrument under 8.3A-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( 2 ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.
( c ) Within 90 days following payment in full of the obligation represented by an instrument, the holder of the instrument shall return it to the maker or his agent, unless it no longer is in existence. If the instrument no longer is in existence, upon request from the maker or his agent, the holder shall give written confirmation that the instrument no longer is in existence and the obligation has been paid in full, within 90 days of such request. In such event the holder shall be deemed to have satisfied its obligation under this subsection.
8.3A-603. Tender of payment.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect o tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument 8.4-301. Deferred posting ; recovery of payment by return of items ; time of dishonor ; return of items by payor bank ( a ) If a payor bank settles for a demand item other than a documentary draft presented other wise than for immediate payment over the counter before midnight of the banking day of receipt the payor bank may revoke the settlement and recover the settlement if, before it has made final payment and before its midnight deadline, it ( 1 ) returns the item; or ( 2 ) sends written notice of dishonor or nonpayment if the item is unavailable for return.
( b ) If a demand item is received by a payor bank for credit on its books, it may return the item or send notice of dishonor and may revoke any credit given or recover the amount there of withdrawn by its customer, if it acts within the time limit and in the manner specified in subsection ( a ).
( c ) Unless previous notice of dishonor has been sent, an item is dishonored at the time when for purposes of dishonor it is returned or notice sent in accordance with this section.
( d ) An item is returned : ( 1 ) as to an item presented through a clearing house, when it is delivered to the presenting or last collecting bank or to the clearing house or is sent or delivered in accordance with clearing-house rules; or ( 2 ) in all other cases, when it is sent or delivered to the bank 's customer or transferor or pursuant to his instructions.
8.3A-502. Dishonor ( a ) Dishonor of a note is governed by the following rules : ( 1 ) If the note is payable on demand, the note is dishonored if presentment is duly made to the maker and the note is not paid on the day of presentment.
( 2 ) If the note is not payable on demand and is payable at or through a bank or the terms of the note require presentment, the note is dishonored if presentment is duly made and the note is not paid on the day it becomes payable or the day of presentment, whichever is later.
( XXXX ) If the note is not payable on demand and paragraph ( 2 ) does not apply, the note is dishonored if it is not paid on the day it becomes payable.
( b ) Dishonor of an unaccepted draft other than a documentary draft is governed by the following rules : ( 1 ) If a check is duly presented for payment to the payor bank otherwise than for immediate payment over the counter, the check is dishonored if the payor bank makes timely return of the check or sends timely notice of dishonor or nonpayment under 8.4-301 or 8.4-302, or becomes accountable for the amount of the check under 8.4 302.
( 2 ) If a draft is payable on demand and paragraph ( 1 ) does not apply, the draft is dishonored if presentment for payment is duly made to the drawee and the draft is not paid on the day of presentment.
( 3 ) If a draft is payable on a date stated in the draft, the draft is dishonored if ( i ) presentment for payment is duly made to the drawee and payment is not made on the day the draft becomes payable or the day of presentment, whichever is later, or ( ii ) presentment for acceptance is duly made before the day the draft becomes payable and the draft is not accepted on the day of presentment.
( 4 ) If a draft is payable on elapse of a period of time after sight or acceptance, the draft is dishonored if presentment for acceptance is duly made and the draft is not accepted on the day of presentment.
( c ) Dishonor of an unaccepted documentary draft occurs according to the rules stated in subsections ( b ) ( 2 ), ( 3 ), and ( 4 ), except that payment or acceptance may be delayed without dishonor until no later than the close of the third business day of the drawee following the day on which payment or acceptance is required by those paragraphs.
( d ) Dishonor of an accepted draft is governed by the following rules : ( 1 ) If the draft is payable on demand, the draft is dishonored if presentment for payment is duly made to the acceptor and the draft is not paid on the day of presentment.
( 2 ) If the draft is not payable on demand, the draft is dishonored if presentment for payment is duly made to the acceptor and payment is not made on the day it becomes payable or the day of presentment, whichever is later.
( e ) In any case in which presentment is otherwise required for dishonor under this section and presentment is excused under 8.3A-504, dishonor occurs without presentment if the instrument is not duly accepted or paid.
( f ) If a draft is dishonored because timely acceptance of the draft was not made and the person entitled to demand acceptance consents to a late acceptance, from the time of acceptance the draft is treated as never having been dishonored 8.3A-304. Overdue instrument ( a ) An instrument payable on demand becomes overdue at the earliest of the following times : ( 1 ) on the day after the day demand for payment is duly made ; ( 2 ) if the instrument is a check, ninety days after its date; or ( 3 ) if the instrument is not a check, when the instrument has been outstanding for a period of time after its date which is unreasonably long under the circumstances of the particular case in light of the nature of the instrument and usage of the trade.
( b ) With respect to an instrument payable at a definite time the following rules apply : ( 1 ) If the principal is payable in installments and a due date has not been accelerated, the instrument becomes overdue upon default under the instrument for nonpayment of an installment, and the instrument remains overdue until the default is cured.
( 2 ) If the principal is not payable in installments and the due date has not been accelerated, the instrument becomes overdue on the day after the due date.
( 3 ) If a due date with respect to principal has been accelerated, the instrument becomes overdue on the day after the accelerated due date.
( c ) Unless the due date of principal has been accelerated, an instrument does not become overdue if there is default in payment of interest but no default in payment of principal 8.3A-505. Evidence of dishonor ( a ) The following are admissible as evidence and create a presumption of dishonor and of any notice of dishonor stated : ( 1 ) a document regular in form as provided in subsection ( b ) which purports to be a protest ; ( 2 ) a purported stamp or writing of the drawee, payor bank, or presenting bank on or accompanying the instrument stating that acceptance or payment has been refused unless reasons for the refusal are stated and the reasons are not consistent with dishonor ; ( 3 ) a book or record of the drawee, payor bank, or collecting bank, kept in the usual course of business which shows dishonor, even if there is no evidence of who made the entry.
( b ) A protest is a certificate of dishonor made by a United States consul or vice-consul, or a notary public or other person authorized to administer oaths by the law of the place where dishonor occurs. It may be made upon information satisfactory to that person. The protest must identify the instrument and certify either that presentment has been made or, if not made, the reason why it was not made, and that the instrument has been dishonored by nonacceptance or nonpayment. The protest may also certify that notice of dishonor has been given to some or all parties 8.3A-310. Effect of instrument on obligation for which taken ( a ) Unless otherwise agreed, if a certified check, cashier 's check, or teller 's check is taken for an obligation, the obligation is discharged to the same extent discharge would result if an amount of money equal to the amount of the instrument were taken in payment of the obligation. Discharge of the obligation does not affect any liability that the obligor may have as an endorser of the instrument.
( b ) Unless otherwise agreed and except as provided in subsection ( a ), if a note or an uncertified check is taken for an obligation, the obligation is suspended to the same extent the obligation would be discharged if an amount of money equal to the amount of the instrument were taken, and the following rules apply : ( 1 ) In the case of an uncertified check, suspension of the obligation continues until dishonor of the check or until it is paid or certified. Payment or certification of the check results in discharge of the obligation to the extent of the amount of the check.
( 2 ) In the case of a note, suspension of the obligation continues until dishonor of the note or until it is paid. Payment of the note results in discharge of the obligation to the extent of the payment.
( 3 ) Except as provided in paragraph ( 4 ), if the check or note is dishonored and the obligee of the obligation for which the instrument was taken is the person entitled to enforce the instrument, the obligee may enforce either the instrument or the obligation. In the case of an instrument of at third person which is negotiated to the obligee by the obligor, discharge of the obligor on the instrument also discharges the obligation.
( 4 ) If the person entitled to enforce the instrument taken for an obligation is a person other than the obligee, the obligee may not enforce the obligation to the extent the obligation is suspended. If the obligee is the person entitled to enforce the instrument but no longer has possession of it because it was lost, stolen, or destroyed, the obligation may not be enforced to the extent of the amount payable on the instrument, and to that extent the obligee 's rights against the obligor are limited to enforcement of the instrument.
( c ) If an instrument other than one described in subsection ( a ) or ( b ) is taken for an obligation, the effect is ( i ) that stated in subsection ( a ) if the instrument is one on which a bank is liable as maker or acceptor, or ( ii ) that stated in subsection ( b ) in any other case.
8.4-302. Payor bank 's responsibility for late return of item ( a ) If an item is presented and received by a payor bank, the bank is accountable for the amount to : ( 1 ) a demand item, other than a documentary draft, whether properly payable or not if the bank, in any case where it is not also the depositary bank, retains the item beyond midnight of the banking day of receipt without settling for it or, regardless of whether it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or ( 2 ) any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents.
( b ) The liability of a payor bank to pay an item pursuant to subsection ( a ) is subject to defenses based on breach of a presentment warranty ( 8.4-207.2 ) or proof that the person seeking enforcement of the liability presented or transferred the item for the purpose of defrauding the payor bank.
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08/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I am writing to file a formal complaint against Capital One Financial Corporation and its subsidiaries ( collectively and individually, " Capital One '' ) and each of the three major credit bureaus ( i.e., XXXX XXXX, XXXX, and XXXX, collectively herein the Credit Bureaus ). I am seeking the prompt relief requested below.
FACTS Among many types of consumer credit products, Capital One offers a secured credit card known as the Capital One Secured MasterCard ( Cap One Secured Card ). This and other secured credit cards are widely known and advertised as credit offerings that, being backed by the consumers account deposit ( s ) with the issuer as collateral, enable consumers with no, limited, or bad credit histories to obtain a credit card and begin building or rebuilding their credit history. This is the specific and advertised purpose of secured credit cards in general and the Cap One Secured Card specifically.
I am between the ages of XXXX and XXXX years of age and do not have a credit history ( i.e., I have never applied for or received any form of credit, debt, or loan ). I have a financial history consisting of checking and savings accounts at a major financial institution, always in good standing ( e.g., I have never been over-withdrawn or incurred any type of fine or penalty ), and I became employed earlier this summer. With my recent employment, I decided that it would be a good time to begin building a positive, responsible credit history.
Because I am a XXXX XXXX, I researched both XXXX and secured credit card products. One card in particular, the Cap One Secured Card, appeared frequently in online searching/advertising and was recommended to me, as a young consumer just beginning to build a credit history, by several online resources, such as XXXX and XXXX
XXXX discloses that Capital One and others have paid to have their credit card offerings, including the Cap One Secured Card, included in the section entitled Credit Cards for Limited or No Credit History. ( See XXXX XXXX XXXX ).
XXXX displays the Cap One Secured Credit Card ( at the top of the page, in first position ) when the consumer selects : I am looking to : Establish or Build My Credit, What is your credit score? I dont have a score, and What options are you looking for? Secured Credit Cards.
( Note : if the consumer selects all of the above, but a poor credit score of XXXX or less, rather than no score, the Cap One Secured Card appears at the top of the page, as the second offer. ) It follows that Capital One likely pays for this placement, as well.
This is how Capital One describes this credit card in XXXX search results : Looking to Build Your Credit?
Responsible Card Use Can HelpApply In many other places, Capital One characterizes the Cap One Secured Card as a vehicle to rebuild credit. However, given their other, prolific advertising of this product as being designed for establishing ( new ) credit, use of the word rebuild gives a reasonable consumer the impression that rebuild is Capital Ones shorthand for build/establish or rebuild.
The basic terms of the Cap One Secured Card were appealing to me. Capital One would determine a deposit amount of {$49.00}, {$99.00}, or {$190.00} and provide a credit limit of {$200.00}, which they would increase after five billing cycles ( assuming timely payments and, presumably, no other new negative credit events ). Further, they do not charge an annual fee for this card. The interest rate is, of course, extremely high, but would not apply if each monthly bill is fully paid on time.
Before applying, on or about XXXX XXXX, 2017, my father called Capital One on my behalf, described my situation ( e.g., XXXX XXXX between the ages of XXXX and XXXX years, new job, no prior credit of any kind, banks accounts always in good standing, no debts or bills ) and my primary goal to begin building a positive credit history for the future.
In retrospect, the Capital One representative should have immediately and emphatically warned my father that I would be summarily, automatically rejected by Capital One based on the sole fact that I do not have a credit history and such rejection would result in turning my neutral/empty credit history into a negative credit history. But, she did not.
Rather, during their 20 30 minute conversation, she confirmed that the Cap One Secured Card was indeed designed for consumers such as myself and suggested that I use Capital Ones online prequalification tool to further verify my chances of obtaining the card.
The following day, as suggested by the Capital One representative, I used Capital Ones online prequalification tool. In doing so, I provided my full name, address, date of birth, and full social security number.
Capital One leads consumers to believe that during the prequalification process, it has actually worked with a credit bureau to take a look at your basic credit information. They also say that with respect to any offers that they provide based on this prequalification process, the information [ they ] saw told them that you might be a good potential customer. It 's not a guarantee, but it 's definitely good news if you 're in the market for one. Emphasis added.
A more complete excerpt from Capital Ones website follows : What is pre-qualification?
Simply put, it means that a credit card company worked with a credit bureau to take a look at your basic credit information. They may have set a standard, such as a minimum credit score, and asked for a list of people who met it. Or maybe they gave the credit bureau a list of specific people and asked for a check on their credit.1 Either way, the information the credit card company saw told them that you might be a good potential customer, and that 's why you 're pre-qualified. It 's not a guarantee that you 'll get a new or better credit card, but it 's definitely good news if you 're in the market for one.
See, https : //www.capitalone.com/credit-cards/blog/what-is-prequalification/.
Upon completion of the prequalification process, Capital Ones online system prequalified me for and offered me the Cap One Secured Card. Because I know that I meet or exceed all of their publicly stated requirements ( e.g., over age XXXX, have a checking or savings bank account, my income exceeds my rent/mortgage by more than {$420.00}, I have not previously applied for any credit card, etc. ), I fully believed that I would be approved.
What I did not and could not know and, what Capital One absolutely knows or should have known, was that there would be one criteria that I would not be able to meet that is, my application could not be verified because the Credit Bureaus refuse to provide sufficient credit report information. The reason? According to a XXXX representative, XXXX would not provide my credit information because I do not have a credit history. ( According to Capital Ones denial letter, the same appears to be true with respect to the other credit bureaus. ) However, I am jumping ahead. To return to the timeline Thus, having been persuaded by Capital One that : ( 1 ) this card is intended for my stated purpose of establishing credit for the first time, ( 2 ) they had worked with the Credit Bureaus, and reviewed my basic credit information, and ( 3 ) they offered me the Cap One Secured Card based on all of the foregoing, I accepted their offer and immediately applied for this card on Capital Ones website. Approximately 20 seconds later, their online system summarily and automatically denied my application.
Capital Ones rejection screen offered to enable me to check my credit history through their CreditWise system, presumably allowing me, a rejected applicant, the ability to research possible negative information in my credit report that may have lead to the rejection. However, upon providing Capital Ones CreditWise system all the required, accurate information, their CreditWise system generated an error screen that informed me that my information was unavailable. After trying to access the CreditWise system twice I noticed a small footnote on the initial CreditWise screen that stated that the CreditWise system would be unable to provide me information if XXXX did not make such information available to Capital One. This was my first hint as to what had happened.
My father and I immediately called XXXX and described the situation. Their representative informed us that XXXX would not provide credit information to Capital One because I do not already have a credit history. Then, we began to connect the dots behind this otherwise very opaque system. No credit history = no credit information = rejection for a product marketed specifically to and for consumers without a credit history.
My father and I immediately called Capital One and described the entire situation. The representative looked into my application, but could not find any information on why Capital One rejected my application. He told us that we should wait for the denial letter, which would explain their reasons.
Two days later, I received the rejection letter. The reasons for rejection were : The reason ( s ) for our decision are : Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, credit bureau information is missing or unavailable Later that morning, my father and I called Capital One and again spoke with a representative. We explained the entire situation and requested that Capital One either ( a ) take further steps toward approving my application, or ( b ) contact the Credit Bureaus and either have any hard inquiries generated in association with my application for the Cap One Credit Card removed or noted as erroneous. The representative stated that neither she nor Capital One could do either of the foregoing or anything else to help rectify the negative credit history that Capital One had created for me.
We then, on the same call, spoke with her supervisor. After revisiting the entire situation for the third time, he too said that neither he nor Capital One could rectify the problem that they caused, which means that according to this supervisor, Capital One is one of the very few creditors ( perhaps the only creditor ) in the U.S. unable to have the Credit Bureaus correct or change negative information relating to one of Capital Ones inquiries/consumers.
This supervisor ( 1 ) offered to internally pass along our feedback and concerns regarding the marketing of this product by Capital One, as well as the complete disconnect between how Capital One processes applications and how it works with the credit bureaus, and ( 2 ) informed us that because he did not see any of my credit information from the credit bureaus in the Capital One system, that it should not have been considered a hard inquiry and might not have been recorded as such. The supervisor was clear that Capital One could not take any remedial steps to address the injury it caused me. We concluded the call with the collective hope that the application had not generated any such hard inquiry.
Over the next few days, I was able to confirm, much to my dismay, that each of the Credit Bureaus recorded this as a hard inquiry. Not only is the hard inquiry a negative on my credit report and credit score, but, because my credit report does not show a corresponding credit card, it also creates a clear implication that I was denied. Thus, despite my thorough due diligence with Capital One prior to applying for this card, not only do I not have any way to begin building a positive credit history, but my neutral credit history now contains, as its sum total a negative hard inquiry/denial.
Capital One certainly knew that this would be the outcome when my father called their representative for the sole and express purpose of confirming whether the Cap One Security Card would be an appropriate credit card for me and my goal of beginning to build a positive credit history.
Capital One directly and/or indirectly advertises that this card is offered specifically designed for this purpose and, via their online pre-qualification process and also their subsequent application process, encourages consumers who are new to credit to apply for pre-determined, automatic failure and injury. And, Capital One knows the foregone outcome -- credit damage to the applicant -- when they accept the Cap One Secured Card application from a consumer who is seeking to establish credit for the first time.
Yet, rather than provide the consumer with prominent warnings of the impending injury Capital One is about to inflict upon the expectant applicant, the only obscure hint that they provide to consumers of the impending credit damage is four obtuse words in very small type at the bottom of a lengthy screen* through which a consumer must scroll ; that is, the phrase, or can not be verified. And, here too, they fail to warn an unsuspecting, new-to-credit consumer that if the consumer is part of the group for whom this particular product is specifically marketed and allegedly designed ( those seeking to establish credit for the first time ), that consumers history will be unverifiable.
* To find these four obtuse words, the consumer must scroll to nearly the bottom of the Cap One Secured Card product page to find the section entitled Rate and fee information and then scroll approximately half way through a lengthy window, and then find these four words at the end of the first of 22 bullets in the section entitled Additional Disclosures & Terms and Conditions. Then, the consumer must know that which Capital One knows but will not tell him/her, even when directly asked if you do not have a credit history, your credit information will be unavailable and you will be summarily rejected. See, https : //www.capitalone.com/credit-cards/secured-mastercard/.
COMPLAINT On or about the period between XXXX XXXX 2017 and XXXX XXXX, 2017, Capital One and its employee-representatives : ( 1 ) materially misrepresented ( by phone and by online marketing ) the nature, purpose, and requirements of its Cap One Secured Card ; ( 2 ) falsely and improperly prequalified me for the Cap One Secured Card and mislead me to believe that : ( a ) Capital One actually worked with a credit bureau to take a look at [ my ] basic credit information, ( b ) Capital One would provide a logical and non-arbitrary review of the information the Credit Bureaus provided them and only prequalify me if it had good reason to do so based on the information received, and ( c ) because I met or exceeded all of Capital Ones understandable, published criteria, approve my application ; ( 3 ) upon prequalification, improperly offered me the Cap One Secured Card while Capital One knew or should have known that, as a foregone conclusion, it would summarily deny my application ; ( 4 ) improperly denied my application for the Cap One Secured Card solely because the Credit Bureaus refused to or could not provide certain credit history about me ; ( 5 ) knowingly and intentionally injured me by causing my neutral ( limited ) credit history to become a negative credit history ; and ( 6 ) refused to take reasonable steps to remediate the damage that Capital One caused me.
On or about the period between XXXX XXXX, 2017 and XXXX XXXX, 2017, the Credit Bureaus improperly and without reasonable cause refused to provide Capital One with my credit report information. As noted above, according to a XXXX representative, XXXX would not provide this information to Capital One for the sole reason that I do not have a credit history. This creates a system by which someone without credit can not obtain credit. A chicken and egg problem of sorts one in which there can be no chicken because there is no egg and vice versa.
Capital One may certainly make a rational business decision not to provide a credit product to those without a credit history. However, they should not be permitted to, through their representatives, marketing, and processes, mislead consumers who are new to credit and have no credit history into believing that the Cap One Secured Card is actually designed specifically for them ( in addition to those with bad credit ). They should not be permitted to mislead consumers with respect to their prequalification process and its actual bearing on the likelihood of approval or suitability of the products they offer through prequalification. Further, they should not be permitted to work with the credit bureaus in a systematic manner designed to injure such consumers who have been mislead by their advertising and statements. This case is particularly egregious given the additional steps I ( and my father ) took to avoid a negative outcome and the proactive steps Capital One took to dissuade us of any such concerns.
As a result, my credit history, as reported by each of the Credit Bureaus now shows a Regular Inquiry ( aka a hard pull ), which has a negative impact on ones credit score. Further, because Capital One denied my application and thus I have not yet been able to obtain any credit, it is clear from my credit report that Capital One denied my application an action that will only make it more difficult for me to begin building any credit history in the future.
|
12/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
This is a " scrubbed '' modified version of a Letter & Summary, that goes w/ Two Packets of Documents w/ Notes. I am sending the entirety to Capital One by XX/XX/XXXX, but I think it's important for you to read exactly what I am sending them.
To Whom it may concern, On XX/XX/XXXX, I immediately notified Capital One on the discovery of a fraudulent charge. That evening, I attempted to notify XXXX XXXX of said charge. The next day, XX/XX/XXXX, after receiving a shipping alert from XXXX XXXX, I requested that they NOT deliver said item. I absolutely DID NOT receive the item in question, and nor did my wife ( who was working from home, and was waiting for the package to be delivered to our residence that day, XX/XX/XXXX ). On XX/XX/XXXX, I also filed a stolen package report with the XXXX XXXX XXXX, and in the early morning of XX/XX/XXXX ( eastern time ), I filed a Police Report with our local Police Department.
I made a final payment for this account on XX/XX/XXXX. The payment reduced the total balance to {$2200.00}, due to the fraudulent transaction made on XX/XX/XXXX ( {$2200.00} from XXXX XXXX XXXX XXXX NY XXXX USA ).
Per Capital One 's credit card policy, I am NOT liable for this unauthorized transaction. I am more than happy to continue to assist them in the investigation of this matter ( for example, I am currently working with a representative at XXXX XXXX, who has re-opened an investigation with XXXX, in order to return the money to Capital One ). Finally, my good credit is extremely important to me. Please ask them to not use this fraudulent purchase, or my refusal to pay said fraudulent purchase, to negatively affect my credit. Once they have received the information I've sent, and confirm its authenticity, please have them refund the outstanding balance. In addition to the previous request, after the balance has been adjusted, I've asked them to close both of my Capital One accounts per my requests.
Lastly, I want to draw Capital One 's attention to the Fair Credit Billing Act of 1975. Under the Fair Credit Billing Act of 1975 ; if I notify Capital One, the Financial Institution ( within the first 24 hours ) ; I am not liable for the loss of funds, created by the theft of my financial information, regardless of the manner in which the scheme is carried out. Nor am I liable for the loss of funds due to the fraudulent online activity, regardless of how successful the crime committed. I hope they can adhere to this law and allow me to close my accounts ( without conflict ). If they can not, I will file a report with the New York, New Jersey & Virginia State Attorney General Offices, as well as the XXXX XXXX XXXX. I've already filed a report with the Federal Bureau of Investigations Online Crimes Division, the Federal Trade Commission & now the Consumer Financial Protection Bureau. If needs be, I will also reach out to news outlets that specialize in shedding light on financial injustices. Finally, if all else fails to convince them of doing the right thing, I will be forced to take legal action. Its something I would prefer to avoid, but I will do what I must do to protect my rights as a responsible, law abiding citizen of the United States of America.
I have documents available that will show ...
I did NOT purchase said item, or authorize an agent to purchase said item ; I did everything I could to warn ALL parties involved of the fraudulent charge ; I did everything I could to STOP said item from being shipped ; I NEITHER received NOR signed for said item & NEITHER did my wife ; I attempted to get information that would lead to the arrest of the thief.
More specifically, I have the following documents available for use ...
documents that prove the signature provided for delivery of said item is fraudulent ; documents that prove I couldnt have been physically present to accept delivery documents that prove my wife wasnt given the opportunity to accept delivery documents that prove my email was indeed compromised at the time of this theft ; copies of credit statements that show an orderly well-adjusted credit history ; documents that prove our Chase card was also compromised at time of this theft ; a copy of the Fair Credit Billing Act of 1975 ; a copy of Capital Ones Credit Card User Agreement ; a copy of proof of final payment for my accounts ; a copy of the request to formally close both Capital One Credit accounts a copy of my license in case it is needed to close accounts ; documents that raise questions as to why this purchase did not raise alarm bells ; I've asked Capital One to please review the documents thoroughly and without bias. A lot of valuable time was spent to put it together. It is my hope, that with the information provided, they will see, I should not be held liable for the theft, and they will also see, how inadequate the Fraudulent claims systems are within Capital One, XXXX & XXXX XXXX.
I thank you for your understanding and speedy response to this matter.
SUMMARY OF EVENTS To Whom it may concern, On XX/XX/XXXX, at approximately XXXX XXXX XXXX XXXX, I discovered a charge on my CAPITAL ONE account for {$2200.00} USD. Because I received an email from XXXX at XXXX pacific time - to confirm the purchase made online [ see pg. 13-14 ] - Im assuming the charge was made around that time. The merchant was XXXX XXXX. Ive never purchased anything from XXXX in my life, let alone any product of this kind. I immediately contacted my wife to ask if she had made it [ see pg. 162 ]. She emphatically said, no. I promptly called the C.O. Fraud Department to report this charge [ see pg. 162 ]. They assured me the situation would be fixed, and that I had nothing to worry about when it came to be paying for the charge ( I wouldnt be held responsible for any unauthorized charges due to C.O.s {$0.00} Fraud Liability ). They then said the transaction would need to clear before an investigation could be opened, but in the meantime, they would lock my card and send me a new one as soon as possible. Because I am living/working on the west coast for a little while, I requested that C.O. representative send the new card ( as well as all future correspondence ) to my west coast address, NOT the permanent east coast address [ see pg. 34 ]. I left the conversation feeling uneasy about the apparent identity/credit theft, but confident that C.O. would take care of us.
Later that evening, I realized my inbox had been inundated with unsolicited newsletters and emails [ see pg. 105 ]. These emails, sent by people/companies I had not heard of, were thanking me for my interest [ see pg. 112 ]. At this point, I was extremely worried someone had fully assumed my identity and was contacting merchants to purchase their goods. I decided it would be beneficial to reach out to XXXX immediately, and NOT wait for the transaction to clear [ see pg. 162 ]. Unfortunately, because it was XXXX on the east coast, the XXXX Customer Service Offices were closed. I spent the rest of that evening attempting to clean up my inbox and trying to focus on my work.
The next day, XX/XX/XXXX, at XXXX pacific time, I received an email alert from XXXX, alerting me that the item in question had been shipped. Unbeknownst to me, the thief had managed to commandeer my email, home address & credit card information, and had used that info to ship the {$2200.00} handbag ( overnight ), to MY ADDRESS on the east coast. Because I was at work related events, and fully expecting C.O. to void the initial charge, I was VERY confused when I saw the notice. On the next break, I went to contact XXXX, but again the offices were closed, and so I reached out to them in the only way that was available to me, email ( I contacted them through their website email system ). I never received an adequate response from their customer service department [ see pg.22-23 ]. Around the same time ( XXXX pacific time ), I received an email from XXXX welcoming me to my MyXXXX-Account [ see pg. 20 ]. Again, I was scared by someone doing things in my name, and immediately I went to XXXX website to reset the password in order to access the account [ see pg. 21 ]. Minutes later, I contacted my wife to make sure she would be working from home the next day. Because I was on the west coast ( and still am today ), I conveyed to her that it was VERY important for her to be there and accept the package from XXXX. She said she understood, and would be working from home anyways, and so we left it at that [ see pg. 162 ].
The following day ( XX/XX/XXXX ), I anxiously awaited an update from XXXX, or a response from the XXXX. After not receiving an alert from either, I used the XXXX tracking number to get an update. The app said it had been delivered at XXXX eastern time and was signed for by MY LAST NAME [ see pg. XXXX ]. At XXXX pacific time, I again attempted to contact XXXX, and this time I was able to get someone on the phone. I told them what had happened, and they suggested I contact my Wife, as well as XXXX to get more information [ see pg. 163-164 I got off the phone with XXXX, and frantically called my Wife. I asked if she had accepted the handbag from XXXX [ see pg 163-164 ]? She told me she had been home all morning, and had neither seen, nor heard from XXXX. A few minutes later she texted me for more information regarding the delivery [ see pg. 159 ]. I went back to rehearsal for the next few hours. At XXXX pacific time, I both attempted to file an online claim with XXXX [ see pg. XXXX ] and contact them through their Customer Service Support telephone system as well [ see pg. XXXX ]. The rep said he would need to wait for the driver to return to the station before he could ask him any questions. He then said he would get back to me with more information and instructions later that night. The only information I received from XXXX, was an email, telling me that a person from my local package center will contact me within the hour. That I also needed to contact the merchant, and that they would need to do an investigation if the driver was unable to provide the necessary information [ see pg. XXXX ]. He never did.
On the early morning of XX/XX/XXXX ( eastern time ), my wife, received an alert from XXXX, asking if she had just attempted to purchase something from XXXX for {$290.00} USD [ see pg. XXXX ) ]? She texted back, no, so the purchase was declined. Based on both of our credit card woes, XXXX suggested we call the police and file a report. So, she called the police, and requested they come over. At this point I am REALLY freaked out. So much so, I purchased a very expensive, year-long policy with XXXX, and started the tedious job of locking down every bit of personal information I could. Later, that night, the Police Officers arrived at our apartment to interview the both of us. Quick reminder, Im on the west coast working, so with my wife holding me up in XXXX, I told the police everything I knew [ see pg.173-174 ]. She gave her info as well. We left it there, believing we had done everything we could do to report this to the appropriate authorities.
Later that day, I again received an email from an unsolicited vendor [ see pg. 112 ]. This time though, I called the number listed in the signature key [ see pg. 173 ], and to my surprise, an actual person picked up. His name is XXXX XXXX XXXX XXXX XXXX XXXX and he is VP of Sales of the company. He was a little confused by my call, but I quickly told him who I was, and that my information had been stolen. I asked him if he had any other information, but he didnt seem to have much more than the emails provided in this packet. I got off the phone amazed and confused by the scope of this theft. Just to add a quick addendum to this part of the review I gave him a call this last week ( XX/XX/XXXX ), and he forwarded me the information he and his CTO pulled up from their servers, whatever data pertaining to the attempted impersonation, see the continued email chain herewith [ see pg. 174 ].
Fast forward to XXXX. The stolen money had been returned to my account, and everything seemed like it was back to normal. However, on XX/XX/XXXX, I noticed the {$2200.00} charge had been placed back on my account. Extremely angry & confused by what I was seeing, I immediately called C.O. to find out was going on. After spending hours/days on the phone with C.O., XXXX & XXXX, this is what I found out ...
1 ) C.O. essentially abdicates all investigative responsibility to the merchants & delivery services. What does that mean for consumers? It means, if either the merchant, or the delivery service doesnt do their due diligence in investigating the theft, C.O. wont try to find the truth on their own. So, because the thief shipped the XXXX bag to MY address, using MY information, and intercepted the XXXX Driver using MY last name to sign ( even though I am on the west coast & Ive never used my last name as a signature ), C.O. wont help. With thieves becoming more and more clever every day, and information becoming more and more accessible every year, C.O. has made its customers more vulnerable to being taken advantage of by criminals, and they refuse to acknowledge it.
2 ) Just take a moment and appreciate the that XXXX alerted my wife to a {$290.00} charge from XXXX, and C.O. let a {$2200.00} charge from XXXX go undetected .... is that what C.O. calls excellent security? I dont. I have statements available for the entirety of last year, take a look at them and tell me that a charge of that amount, shouldnt have set off alarm bells ... [ see pg. 179-220 ].
3 ) XXXX has awful customer service. After I was told they would reach out to the driver, after I was told they would have investigators come to our address for interviews, after I was told they would call me for more information, they did nothing. The extent of the investigation they undertook rendered the result, the package had been signed for & delivered. Thats it. They never called me for more information, never asked for the police report, never had the driver come back to speak with my wife, never checked past signatures against the one made, never asked the driver what the person looked like, whether it was a man or a woman, short or tall. They did NOTHING, and they refuse to reopen the case. XXXX is basing their decision off that report, and C.O. is basing their decision on XXXX. Nobody is taking responsibility, and I am being made to pay for everyones mistakes ( pun unfortunately intended ). Can you see the flaw in this system? I can.
4 ) Once you trigger the refund process through C.O., XXXX has policies in place that, in effect, wash their hands of you. XXXX has been helpful, but even they have policies in place that XXXX customers over in instances of credit theft. If you trigger the refund process through C.O., XXXX will NOT allow you to open an official investigation into the theft. So, by doing what C.O. asks customers to do, report the fraud and lock the card, we essentially shoot ourselves in the foot by giving full control to C.O. to find the truth. Unless your systems change, I dont believe C.O. deserves our trust.
I just want to be clear. Ive been a loyal customer to CAPITAL ONE for 8 years. This very card, the one that was fraudulently charged, is the very first credit card I applied for ( first of two C.O. credit cards ). My wife and I have our savings account with them too. We have been faithful in our payments. Reported crime immediately once found. Weve always used security measures to protect our personal & financial information, and yet, despite all of that, C.O. has treated me with a great lack of empathy & very little respect. I just want to be clear. Ive now spent hours on the phone with CAPITAL ONE, XXXX XXXX & XXXX. Ive now worked hours gathering information to prove my wife and Is innocence. Ive spent large amounts of money to protect our identity from future theft. Ive wasted SO MUCH TIME working on this when I should have been working on the amazing career opportunity that earned. It has truly been a terrible experience for us. We put our trust in CAPITAL ONE, our credit issuer and our savings bank, and they failed us. Please make them make this right. Have them refund the amount stolen and fix their policies & procedures. Their customers depend on them to do right by them.
I swear that this account is written to the best of my knowledge. I send it, with the utmost sincerity & truth. I hope that they will not only do right by me, but also do right by ALL their customers. They need to take a hard look at their standards & practices. They need serious reexamination.
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08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
On XXXX XX/XX/2022 I made an on line purchase for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and paid {$59.00} from my Capital One credit card account ( image of order details included as provided via email by merchant ). On XXXX XX/XX/2022, XXXX ( XXXX ) weeks later, I finally received a " shipment '' from the company. The following is copied and pasted from their website XXXX under the heading " Shipping Policy '' : We will ship within XXXX hours after you place the order.It will be shipped from XXXX and it usually takes 10 to 22 days to receive your product.
Attention! Due to the coronavirus and local logistics services in US, shipments in US may be delayed. Please take care of yourself and ensure your safety.
The only reason I waited as long as I did was that the merchant provided a tracking number and I was able to see some movement here and there. When the movement seemed to stall, I tried contacting the merchant at least twice during this time, but never received any response. The item I finally received after six weeks was a ***SHOWER CAP*** ( images of unopened item package and all labeling adhered to package included ). I emailed the merchant the same night, but did not anticipate any response, based on my previous experience. This is what I wrote : " More than a month ago ( XXXX XXXX ) I ordered AND PAID FOR the above item. Today ( XX/XX/XXXX ) I received a shower cap. Description of contents lists the following number : XXXX. At this point I do not anticipate ever receiving the item I ordered and PAID FOR over a month ago and will initiate refund with my credit card company immediately, as previous email inquiries about my order were left unanswered, in the past and I feel I would just be wasting my time waiting for any response or action from you refunding my money. I will be happy to return the shower cap upon receipt of appropriate arrangements for me to do so at your cost. " Please note the last sentence in which I showed my willingness to return falsely shipped item, as this will become a topic with capital one 's customer service/dispute " specialist '' persons.
After I sent the email to the merchant, I opened a dispute case with Capital One ( XXXX XXXX : XXXX ). I was surprised, however, that the merchant actually did finally respond, although I assume it had something to do with the chargeback, and decided to try and resolve the issue with the merchant, as it seemed quite clear cut to me. This is the response I received : " Dear Customer I'm very sorry hear about that, do you mean you received wrong item, can you take picture let me have a check Thank you XXXX I sent XXXX ( XXXX ) images of the " shower cap '' in its " package ( I did not want to rip it open ), with close ups of labels of sender, recipient, and description of the item. This is the response I received ( XXXX XX/XX/2022 ) : " Hi I'm very sorry for the inconvenience, I have checked, the logistics accidentally sent the wrong product.
How about we re-send the initial item to you?
Look forward to your early reply.
Thank you '' XXXX Here is my response ( XXXX XX/XX/2022 ) : " No thank you. I would just like to get my money back. '' Response from avesay on XXXX XX/XX/2022 : 'Ok, we will cancel it for you. '' XXXX At this point my common sense tells me that it would be fairly safe to assume that with the cancellation would come a refund. But I obviously assumed wrong. NOTHING of any kind happened. So on XXXX XX/XX/2022 I wrote the following email : " I was wondering, does a refund come with this cancellation??? My credit card account does not show one so far ... '' Please keep in mind that all previous correspondence was always included with my latest response, so there would be no confusion as to what matter I am writing about.
On XXXX XX/XX/2022 I received this : " We will refund you in 7-14 days. the payment will be returned to the original account you paid previously '' XXXX At this point I would like to interject that the amount of the supposed refund is yet unknown and seemed to become an issue at a later point as justification for capital one to not honor my dipute and close the case, meaning, since the merchant did not say HOW MUCH ( I expect no less than the full amount at minimum, since none of this was initiated or caused by my person ) they were going to refund me, their statement saying that they WILL refund me really doesn't mean anything, or show intent, until they define how much they will refund me. XXXX may be my XXXX XXXX, but someone please make sense of this for me. I do believe these conversations are recorded, are they not?
Again, nothing further happened on the side of the merchant. The following is my final email to the merchant, sent on XXXX XX/XX/2022 ( I wanted to be fair and wait out all timelines ) : " This is to let you know that 17 days have passed since you sent me your last email promising a refund in 7-14 days. I had put any further action with my credit card company on hold, but now see no other way to resolve this issue but to turn it back over to my credit card company, as I am not seeing a final effort on your part to finally put this issue to rest. awaiting your speedy reply. '' Needless to say nothing else happened, and with that my nightmare with capital one begins. Just to be clear, all images of products, emails, original emails are available. I did the copy and paste here to keep things in order as they unfolded. When I dealt with capital one it appeared that every person I spoke with did not look at all I had provided in it's entirety. Every time they said I needed to provide something I let them know that I had already provided it. And after they finally took some time to look at ALL of it, well, there was just one more thing... But everything is available and can be provided as necessary, AND HAS BEEN PROVIDED VIA UPLOAD LINK TO CAPITAL ONE, THE LATEST ON XXXX XX/XX/2022.
After my last email to the merchant I contacted capital one back via telephone, explained that I had been trying to work things out with the merchant, and explained everything basically as I have done so far in this letter. In my account I have XXXX dispute update letters. The first one dated XXXX XX/XX/2022. The person I spoke with on the phone basically asked me to provide all the info requested in that first letter. I did so via upload link which was emailed to me by capital one : Here 's what was requested : All receipts, contracts, or work orders related to the disputed charge -- -Order verification from merchant provided via email upon ordering and paying for the item, provided as an image to capital one via the first upload link provided by capital one via email on XXXX XX/XX/2022. The payment is apparent in my capital one credit card account.
A copy of the merchant 's refund or cancellation policy -- -Irrelevant at this point as the issue is neither a cancellation nor a refund of any item I received.
Any refund notices or refund vouchers issued by the merchant -- -Declaration from the merchant in an email of intent to send refund, provided as an image to capital one via the first upload link provided by capital one via email on XXXX XX/XX/2022.
A second opinion supporting your position from a similar merchant, on company letterhead and preferably signed by the person who provided the opinion. The letter should state what the original merchant did incorrectly, and include the cost to fix the problem ( if applicable ). -- -Not applicaple to my case.
The signed and dated proof of return, such as shipment tracking slip -- -There was no return. This case is about not having received what I ordered. The wrong merchandise received is still in my posession, unopened. Image of the email in which I relayed my willingness to the merchant to return this item upon receipt of whatever necessary from the merchant to do so has been provided to capital one as an image via the first upload link provided by capital one via email on XXXX XX/XX/2022.
So basically everything I had and still have is also in the possession of whichever capital one dipute " specialist ( s ) '' is/are handling my case. As I had attempted to work things out with the merchant, capital one eventually closed the case, which was conveyed in an update letter dated XXXX XX/XX/2022. So everything from here out takes place after I sent my last email to the merchant, which was on XXXX XX/XX/2022. On XXXX XX/XX/2022 I received the second update letter from capital one informing me that the merchant had been contacted etc. etc. On XXXX XX/XX/2022 I received the third of XXXX update letters informing me that " the merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition '' How do I respond to this after I had just provided proof of not having received what I ordered, and of just having provided proof of the merchant 's own admission that a mistake was made and that the merchant promised a refund ... ... ..?
So my common sense kicks in and asks, who and what would capital one have received in way of notification from the merchant that would VERIFY to the capital one dispute " specialists " that goods were as described and received in good condition '' -- -if not from ME, the alleged recipient. Let 's take a look at what the merchant provided, that capital one dispute " specialists " deemed to be sufficient " Notification that goods were as described and received in good condition ''.
Page 1. A document with the heading XXXX XXXX, describing what information will be included on the electronic submission to Master Card.
Page 2. A document with the heading " Dispute Response - R ''. I am assuming this is a document provided to the merchant by capital one, requesting to check all conditions that apply regarding the case. I see one " x '' marking " Other documentation ( Please Describe ) : True ''. Below is an empty box for the merchants ' comments. No description as I can discern, unless the word " True '' after the " ( Please Describe ) : '' means anything.
Page 3. A letter from a company named XXXX with the heading " Chargeback Evidence '', making reference to the next document. The plot thickens.
Page 4. Well XXXX XXXX. What do we have here. THE VERY FIRST IMAGE I EVER SENT TO CAPITAL ONE : ORDER DETAILS. But for the first time I realize that this document does not match the one I received from the merchant. Add fraud to the list won't you?. This document shows merchant details, mine does not. Their document says I ordered from a website called " XXXXXXXX XXXX I actually ordered from a website called XXXX XXXX XXXX The heading on my order details document says : " XXXX - XXXX XXXX ''. The product description on their order details describes a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My order detail says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is the correct description. I want to emphasize here that besides the images, the original emails are all available and can be forwarded as proof.
Page 5. Is a blank page Page 6. The details of this page escape me as the print is very tiny and very blurry as well. It does, however remind me of the page I viewed every time I checked the tracking page. So this may be the tracking details. As a reminder, I never disputed not having received anything from the merchant, I made it known that I had tracking details, etc. My only regard was always, and still is, not having received the item I ordered.
Page 7. On this LAST page there is an image of the shipping label, also provided to capital one as an image by ME via the first upload link capital one provided me.
So there you have it. Color me ignorant but for the life of me I fail to see " Notification that goods were as described and received in good condition ''. The capital one dispute " specialist ( s ) '' obviously do, and even expect me to respond to this, if I don't want this to go away, and tell me " At this time, we consider your case closed. '' Below is their response in its " entirety after the merchant provided this so called " Notification that goods were as described and received in good condition ''.
So for now, we are reapplying the charge to your account, and it will appear on your next one to XXXX billing statements. At this time, we consider your case closed.If you still want to continue with this dispute, please send us a signed and dated letter that includesyour case number, the merchant 's name, the date of the transaction, and the disputed amount byXXXX. Please also provide the following information in your letter : Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoiceor purchase agreement / contract, and information and / or evidence to support how the merchandiseordered differs from what was received. A second opinion on company letterhead from anothermerchant in the same field stating specifically what the original merchant did incorrectly, how theproblem can be corrected, and what that will cost. A statement that includes the number of times themerchant tried to correct the problem, and a description of how you tried to resolve the dispute withthe merchant. If you returned the installed parts, please provide the date and proof of return or thedate they were made available for pick-up. If the merchant gave you a refund voucher, please providethat as well.Please fax the requested information to XXXX, and allow 10 business days for us to respond.If you're unable to respond by fax, please send us the requested information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and allow 15 business days for us to respond.If you have any questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX seven days a week.Sincerely, Capital One Can somebody out there feel my pain by now? So I call capital one, explain my situation, and eventually this call drops before I can finish. So I call back and speak to yet another person in the customer service arena. They pull up my account, try to tell me what I need to provide, and throughout this entire conversation I have to say " You already have this-I already sent this-I have provided this information previously... And each time they put me on hold, and each time they actually confirm that they do have the information they are trying to tell me I need to provide. Finally this nice young lady comes back on the phone and asks me if I have returned the showercap. I said no, but I did tell the merchant in the last email I sent them, that I would be more than willing to return the item erroneously sent to me, once they provide whatever is required for me to do so at their cost. Again I told her that they already do have an image of that email, but that I would be happy to provide it again separately. She sent another upload link and I propvided what they asked for. She told me that my attempt, or willingness to return the showercap would be the only thing needed to finalize the case for capital one. On XXXX XX/XX/2022 I received the following : Dear XXXX XXXX, Here 's an update on your dispute with XXXX billed on XX/XX/2022 for $ XXXX that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. ... THIS IS A SLAP IN THE FACE On XXXX XX/XX/2022 I am yet again on the phone with capital one. Same drill, same runaround. After having looked a little closer into my account, she tries to tell me that after " so long '' they can't look at what was sent in before (????? ). I lose it, XXXX XXXX XXXXI want to speak to a supervisor ''. She tells me that a supervisor will tell me the same thing. I insist. She transfers me. She basically tells me the same thing, I challenge that statement, she says something about " Visa guidelines '', I lose it again, and after some more choice words I hang up.
Am I so XXXX for thinking that this should have been a simple case of customer received wrong item, proofs everything she claims, but gets kicked in the XXXX XXXX XXXX? Please somebody respond! I need to know.
XXXX XXXX
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01/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Formal Complaint against XXXX XXXX XXXX XXXX XXXX ( Transmission ) On Wednesday, XX/XX/XXXX, I asked my boss if I could leave work early to have my car diagnose, I informed him that I was going to leave work at XXXX. My guy friend tagged along with me. Around XXXX XXXX, I took my car to XXXX XXXX XXXX XXXX XXXX ( Transmission ) located at XXXX XXXX XXXX, XXXX, FL XXXX. Ph # : XXXX. A woman named XXXX greets my friend and me, she gave us a tour around the shop. Then she had us sit down in the office talking about nonsense. XXXX asked us if we were married or in a relationship. She asked me if I lived on my own or had roommates. I informed her that I just wanted a diagnostic test to be done to see what is wrong with my car. I filled out my basic information on the work order. She made me feel uncomfortable and awkward when she asked me very personal questions. XXXX took down notes on the work order about my car having shifting problems, fly wheel, CV axle, etc. Then she said, well it is {$890.00} to reserve your car in the bay because you do n't want to leave it outside and it might get stolen. The price also includes other diagnostic tests and the car rental. I told XXXX that I have never heard of that before and I never had to leave my car overnight. She said well if we do n't find anything wrong with your car, we would refund you the money. I handed my car key and two credit cards. She never once informed me that they are going to take my car apart. She was trying to get me to apply for a car credit loan, I said no thank you. She told me that someone would call to let me know what 's wrong with the car. She told me that the {$890.00} does not include parts. I questioned her again, " So you do know already that I need a transmission? '' She said, " No we wo n't know until the tests are done. '' I was NOT given the work order when I requested for one. We left XXXX around XXXX XXXX. As I was heading home, something just did n't feel right. My XXXX was out of control so I decided to research more about XXXX. I found lots of complaints and their good reviews are falsified. Around XXXX XXXX, I called XXXX and left a message. The next day on XX/XX/XXXX, I called at XXXX XXXX and kept calling & leaving messages. I did n't reach someone until XXXX XXXX & I had to block my #, XXXX, the mechanic, answers the phone. I introduced myself and my car. I told him that I do not want anyone to touch my car and I changed my mind. He said, " Well you paid {$890.00} to let us take apart your car. '' I said, " No I did n't, I paid {$890.00} to get a diagnostic test done and to reserve my car in the bay so it would n't get stolen outside which I think is ridiculously overpriced. '' XXXX said, " I just got here and opened up at XXXX XXXX. I come into work to work, not to pick up the phone, mam. I said, " Is that how XXXX does business by not answering the phone? '' XXXX said, " Call me back in 20 minutes. '' I said, " Why? I told you not to touch my car. I am picking it up today. Why would calling me back in 20 mins matter? '' He said, " Probably nothing but I am getting an incoming phone call. '' He hangs up on me. I blocked my number and a woman picked up. I introduced myself & what kind of car I owned. She starts to yell and threatens me. She said, " If you come to my shop, I will call the cops on you. If you call over and over again, I will file harassment and I will block your number. XXXX, you are ungrateful person, you need to learn to be nice so that nice people can do nice things for you. I do n't care that you do not want to do business with us. You are the least important person in our place right now because there are way more important people who paid more to get their transmission done. If you do n't learn to be nice, maybe the car will be ready today or tomorrow or next week or not at all. Maybe you wo n't get your car back. '' She did n't let me get a word in, just screaming and threatening me. I was in tears. She assumed that I hung up so she said, " Oh, did you hang up on me? I have to go now because I am an accountant or I am seeing an accountant. I even gave you my rental and it is includes with the {$890.00}. You are so ungrateful. Our mechanic has been working on your car since XXXX XXXX. '' She kept on shouting repetitively, " When are you coming? Are you coming right now? Bye for now. '' I just told her, " I will be in today and if you hurt my car, you will see. '' Then I hung up. A few hours later, another friend of mine accompanied me, and I also called the XXXX County Sheriff 's Department. Two sheriffs arrive at XXXX. I informed them of what was going on. I told them that I was too scared to go to XXXX by myself to retrieve my car because XXXX or whatever name she goes by, had threatened me on the phone. XXXX took apart my car without my authorization. The {$890.00} did n't include touching my car. I was informed by XXXX, XXXX, or XXXX XXXX that the {$890.00} only included my car rental ( I had to rent & pay for the car ), diagnostic test ( never done because I cancelled on XX/XX/XXXX around XXXX at night ), and to keep my car overnight in the bay instead of outside their shop so that it would n't get stolen. I stayed outside while the sheriffs went in first. The sheriffs went inside the shop and stayed there for at least 20 mins or more, they come outside and inform me that my car will not be ready until Friday, XX/XX/XXXX at XXXX XXXX. I was like really? They were n't supposed to touch my car at all. I did n't authorize that. I told the sheriffs what was included in the {$890.00} ( mentioned above ). They were shocked. Deputy XXXX gave me the number to call and the case number and she advised me to call the sheriffs to accompany me to get my car. I told her, " Oh yes I will definitely call, XXXX threatened me. '' On Friday, XX/XX/XXXX, in the late morning, XXXX calls me and it is XXXX ( XXXX 's husband ), he says, " Your car is ready now and all you have to do is pay the taxes of {$890.00} and sign a release form otherwise you wo n't get your car back until you do. '' I questioned him, " The taxes of {$890.00}? So what is wrong with my car? '' He says, " Oh, I do n't know, you told us not to touch your car so we took it apart and then we just put it back together and now you are paying the {$890.00} for that reason. '' I called my car insurance and requested a towing truck to meet at XXXX to get my car towed back home. Around XXXX XXXX, I called XXXX County Sheriff 's Department to request sheriffs to keep the peace. Shortly after, Deputy XXXX XXXX and another sheriff deputy accompanied my friend and me to get my car. I informed them of the situation. The deputy informed me that lots of people complain about their car being held hostage and being overcharged. I looked over the fake work order with my pre-signed signature, everything else was false. XXXX XXXX XXXX never gave me a copy of the work order form and forged the checkmarks & other information on the work order form. I was forced to sign the fake release form also known as the work order form to get my car back otherwise XXXX threatened me that I will never see my car again. XXXX drives my car away from his property. He wanted the sheriffs to leave his property quickly because it brings bad business. I was scammed {$470.00} ( 2x ) = $ XXXX+ $ XXXX= {$1000.00} charged onto Capital One. Capital One has an ongoing investigation because I filed XXXX disputes against XXXX. This place is a rip-off. They not only overcharge but they scammed me. XXXX ( other alias names ) & XXXX XXXX are very dishonest and violent people. I wish that I would have known to not trust this place. I demand a refund of {$1000.00}. The case # XXXX. The case was originally made by Deputy XXXX and her # : XXXX. The case is within Keep the Peace. I also think that the public needs to know about this bad business and they shouldnt continue business because we need honest and more reliable auto repair shops. XXXX aka XXXX XXXX has many assault records, screams and yells that she hates cops and wants them out of her shop, assaulted a customer who happened to be pregnant because she changed her mind, so XXXX becomes physically violent. XXXX was verbally abusive on the phone with me threatening me if I didnt pay and I wasnt nice, I wouldnt see my car ever again. I am not going to go somewhere alone when I was threatened, extremely anxious, and unsafe without law enforcement. Even the deputies have informed me that other customers will change their mind and not want service done by XXXX, XXXX would lock up their place and close early for the day, making the customer wait until the following day. XXXX aka XXXX lied that I was satisfied but I wasnt, I wanted my car back because thats my car and I changed my mind about not having a diagnostic test done on my car at all so taking apart my car wasnt discussed to me and wasnt authorized. XXXX never explained her cancellation policy. XXXX had scammed me {$1000.00} for doing nothing and they took my car apart without my authorization. The diagnostic test amount charged on the fake order form was never discussed to me. Those checkmarks are not my handwriting and they werent explained to me either. They need to be shut down. I have filed complaints on BBB, XXXX, XXXX, XXXX XXXX, and XXXX. I also filed a complaint through Florida Department of Agriculture & Consumer Services and I have submitted my complaint & concerns to 8 on your side ( local news in XXXX XXXX area ). Lastly, I had submitted my complaint to the Attorney General, XXXX XXXX. My matters should be taken seriously and I feel that Capital One does n't care & they are n't very supportive either. I wanted my car fixed but all I asked from XXXX was a diagnostic test not for my car to be taken apart. No one can diagnose a car from the outside and assume that the customer needs a transmission. From XX/XX/XXXXXX/XX/XXXX, I had only driven my XXXX XXXX XXXX XXXX once and it broke down on the XXXX XXXX ( report provided upon request ). I dont know what XXXX did to my car but what I do know is that my car broke down after I retrieved it. Capital One had request two ways to get my money back : proof of return or second opinion from another auto repair shop. Nothing was purchased but I still had to pay over a grand to get my car back. I called Capital One & was on the phone with XXXX ( Dispute Department ) for almost 2.5 hrs. The letter stated, A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. Having another merchant say that XXXX went against my authorization to take apart my car when I changed my mind & left a message on the same day when I had dropped off my car that I didnt want my car touched at all on XX/XX/XXXX, ( phone records will be available upon request ), not even a diagnostic test. XXXX & Capital One is causing endangerment & making the situation unsafe for the other auto repair shop. XXXX has my personal information so I am already endangered. This letter from another auto repair shop will be sent back to XXXX. XXXX could go to the other auto repair shop or come after me or after the both of us. Maybe XXXX doesnt see it that way but XXXX XXXX has arrest records & complaints of her XXXX XXXX. The problem would have been corrected when I told XXXX to give me back my car & my money but they are scammers so they are n't going to admit that they were in the wrong. There wasnt any parts installed since I didnt want my car touched at all. XXXX forged writings & checkmarks on the fake work order. They arent going to admit that they scammed me or anyone else. I think showing that my car needs to be fixed is quite obvious since I had to purchase a new car and have it financed under Capital One Auto Finance. I had my XXXX towed to XXXX XXXX XXXX XXXX located on XXXX XXXX in XXXX and another auto repair shop called XXXX XXXX located on XXXX XXXX in XXXX XXXX. XXXX from XXXX XXXX XXXX XXXX said that they need to disassemble my car because there is a problem internally with my transmission and he priced me at {$290.00}. The roundtrip of his towing was {$75.00} charged onto my Capital One card. XXXX from XXXX XXXX said that I need a new transmission and didnt recommend it because of the miles and etc. The roundtrip of his towing was {$100.00}. Both auto repair shops diagnostic tests were free. I told them both that I didnt wish to get my car fixed because it is out of my budget. Then I had to buy a new car. Please assist me with this matter or appoint me to the rightful person. Now XXXX has responded back to my dispute but they have lots of discrepancies under my dispute like who is XXXX XXXX? XXXX XXXX? Other amounts of money being charged. There wasnt any purchase of service so thats is a lie because I called at XXXX on XX/XX/XXXX & clearly stated, do not touch my car at all, I dont want a diagnostic test done on my car & I will be there tomorrow, XX/XX/XXXX to pick up my car, and XXXX ( mechanic ) told me that he didnt start working on my car until he walked in on Thursday, XX/XX/XXXX at XXXX XXXX and XXXX told me that XXXX started working on my car on XX/XX/XXXX at XXXX XXXX. Stories do not match. I didnt authorize my car to be taken apart at all and with no written estimate. It was never discussed to me that my car had an internal problem and thats a lie again. So XXXX XXXX or XXXX XXXX is lying again. At this point, XXXX should also pay for my car rentals because my car was working when I handed over my car keys to XXXX & when my car was returned to me, I only drove it once & it broke down. XXXX owes me {$110.00} ( XXXX ) and {$670.00} ( XXXX ). Capital One didnt bother to care to read the dispute information that was provided from XXXX ( XXXX ). There are a lot of discrepancies and falsified information under my dispute. XXXX lied and she is adding other customers information onto my dispute. Again, I was threatened by the Levines of XXXX that if I didnt pay the {$1000.00} & sign the fake work order form that I would never see my car again & I had called & left a message on Alltechs answering machine within 4-5 hours from drop-off time to call to not touch my car at all. First, Capital One wanted a letter stating what had happened between XXXX and me. Then, one rep said that the letter will be sent to XXXX and they will definitely have to return my money. Another rep said that the letter will be sent to XXXX and XXXX. Now the story has changed that the letter will only be sent to XXXX. Also, I have received many different letters from Capital One about the 3 disputes of XXXX. Even XXXX has discrepancies and errors on my dispute that are n't true and they are irrelevant. For Capital One being a multi- XXXX revenue company, I guess I am not worth anything in this company. On Thursday, XX/XX/XXXX, I spoke to XXXX at Capital One 's Dispute Department and her attitude was " Oh well, you can not give us what we want, then I am going to close this dispute. '' This is extremely unprofessional and rude. Capital One presents a " I do n't care or whatever attitude. '' There is no need to get a second opinion, for what? I left a message within the timeframe of my drop-off time saying that I did n't want my car diagnosed at all and that I was going to pick it up on Thursday, XX/XX/XXXX. I asked for a copy of the work order & XXXX did n't give me one at the time of drop-off. On Thursday, XX/XX/XXXX, I called at XXXX XXXX when XXXX opens & left another voicemail. I was n't able to reach someone live until XXXX XXXX & I had to block my number. But XXXX went against my authorization & took apart my car. XXXX are scammers & they threaten people 's lives by asking for more money because they know most customers would do anything to get their car back. XXXX aka XXXX XXXX is violent. If she can hit a XXXX woman for changing her mind to not continue services, I ca n't imagine that she would n't be XXXX with me. She was already verbally abusive with me on the phone in the morning of XX/XX/XXXX. I do n't think it is rational for a well known credit card company to put another auto repair shop endanger because I am already endanger & I do n't want to be held liable for somebody else 's life.
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06/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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In or around XX/XX/XXXX, I applied for and was approved for an unsecured Capital One MasterCard with an opening credit limit of {$300.00}. Having applied for the card in the hope that responsible use of the account would help improve my poor credit rating, I used the card often over the next several months. I kept constant watch on my account via the company 's mobile app, and I consistently made at least one payment per month, but more often multiple payments throughout each month, paying down the balance soon after I made a purchase with the card. I always, always, always made sure that the card balance was at {$0.00} before my statement cutoff date and long before the actual payment due date each month. I did experience a few irritating, but fairly minor, issues with Capital One regarding my account betweenXX/XX/XXXX and XXXX XXXX. Specifically, I noticed that Capital One did not immediately update my account balance and available credit upon their receipt and posting of my payments. Many times, my available credit was not updated for anywhere from four to seven full days after Capital One processed the payment to my credit card account that I had submitted, although my current balance was usually updated corollary to my payment amount. I was often frustrated by Capital One 's very annoying, inexplicable, and inconsistent payment processing practices. I called Capital One Customer Service on several occasions almost every month, sometimes several times per month, to inquire why my payments were n't being fully processed to reflect the equivalent and related updates to my available credit and current account balance as my payments were made. I was rarely given a reliable, credible, logical, or sensible response. Most commonly, I was told that [ I 'm paraphrasing ] 'when a customer 's payment patterns or payment methods change " significantly '' each month, the algorithms programmed into Capital One 's computer systems will " flag '' such accounts to be observed more closely so that that any potential fraudulent activity might be avoided. First, neither my payment patterns nor the payment methods I used varied " significantly '' from month to month. I typically paid my Capital One credit card account payments via a personal banking account ( checking/savings ) which I tended to submit directly to Capital One via my PC or my mobile app, at my own initiative and never one second past the actual payment due date. As stated previously, I always ensured that my utilized credit balance was paid in full, several days or more prior to the payment due date each and every month since i received the credit card. It wouls not have been difficult to quickly understand my credit card utilization habits after a quick review of the first couple or scant few of my early monthly account statements. It 's completely preposterous, and misleading, for Capital One to offer such a ridiculously vague and baseless response on those times that I would call, which I did, more often than not, as I stood at a cashier 's counter attempting to make a purchase using my Capital One credit card, only for it to be denied, despite my own personal knowledge of my having submitted payment toward or equal to my most recent previous account balance. It 's unnecessarily humiliating, embarrassing, frustrating, and completely unprofessional, unethical, and I believe tantamount to Breach of Contract by Capital One, as there is absolutely no verbiage that would allude to the manner in which Capital One practices its credit card faction of its financial services business. I have scoured any and all Capital One credit card information and agreement documentation that I have personally received, or which is publicly available, and is specifically pertinent to Capital One credit card accounts, including all of the terms, responsibilities, assumptions, obligations, provisions, prohibitions and conditions applicable to and binding upon credit card accountholders as well as Capital One principles, management and representatives or assignees/designees of Capital One, and nowhere is it mentioned or implied or inferred that certain cardholders may experience random, arbitrary, without notice, unwarranted, unprovoked, and unjustified micro-scrutiny and blatant mismanagement by Capital One of their credit card accounts with regard to payment processing, account record updating, denial of appropriate purchase approvals, public humiliation, vague responses and idiotic non-answers which serve to accomplish nothing in the way of fostering and maintaining strong relationships with their customers. Several times, I was with friends or family, and with total strangers close enough to witness and hear, as my Capital One credit card was declined upon a purchase attempt. Although I knew that I had already made a payment that should have updated by the time I was trying to use the card, and although Capital One was fully aware that they had received and posted a recent payment, no one around me had that knowledge and they were horribly humiliating and shaming experiences, especially when I could not get the issue resolved immediately, requiring me to have to ask someone in my party to pay, or my having to abandon a shopping basket and leave a store empty-handed amidst the stares and judgment of other shoppers. Additionally, there were several instances in which I received automated and live calls from Capital One to verify a purchase I 'd made just moments prior on that same day was indeed my purchase and an authorized use of my credit card. These verification calls occurred nowhere near as frequently as the outright charge denials that I experienced so often, nor were they pertaining to any kind of purchase that would lead any reasonable, literate, logical person having an IQ of at least 75 and being at least or over the age of 12 years old to consider them possible fraud and necessitating verification. Small charges of less than {$50.00} or {$100.00} at most, geographically close to my residence, at typical times of the day for consumers to be active, and at common stores such as grocery stores, gas stations, restaurants and clothing retailers, were randomly and abruptly questioned by Capital One by way of unexpected and often inconvenient phone calls and emails, and also text messages to my cell phone, yet other similar purchases at similar types of merchants were subjected to the public humiliation I 've described previously in this communication. Their practices are asinine and beyond mind boggling. How infuriating it is to know that you 're managing your credit card account in a responsible manner, well above the average consumer does regarding personal credit management ; paying off what you charge each month, on time, in excess of the minimum payment due, diligent about keeping watch on your account activity daily, and still have unforeseen and unreasonable and unfair obstacles thrown into your blind spot each month by the very company that extended the credit to you and should be applauding your successful efforts!!! As aggravating as those situations were and as frustrating as the memories of them are as I think about them fully for the first time in several months, they do still qualify as minor in comparison to my biggest grievance of all regarding Capital One and my credit card account. Throughout these annoyances from XX/XX/XXXXthroughXX/XX/XXXX, including two separate additional requests for proof of my identity several months after my account was originally opened, and long after my identity had been verified upon my application, and again at the time of my approval for the credit card, and still again upon activation of my card once it was received by me in XX/XX/XXXX, Capital One continued to regularly review my account for credit limit increases, raiding my limit at least three times that I 'm aware : my credit limit from the original limit of {$300.00} in XX/XX/XXXX when the account was opened, to {$400.00} inXX/XX/XXXX, then to {$500.00} in XX/XX/XXXX, and ultimately to its current credit limit of {$750.00} which took effect inXX/XX/XXXX However, for reasons unknown to me and never explained, Capital One decided to play a completely brand new game. All of a sudden, for no obvious or logically discernible reason, and without any provocation, explanation, prior notice, or any reference to any of the company credit card documentation issued by them and/or made publicly available online, Capital One decided in XX/XX/XXXX orXX/XX/XXXX to suddenly and arbitrarily restrict my credit card account from any use whatsoever. I 'd paid my previous balance in full, prior to statement and due date, as usual. It was accepted and posted to my account without reservation, question or any further delays beyond Capital One 's typical but inconsistent and inexplicable timetable for processing, posting and updating payments to accounts. No one called me about that last payment I 'd made, which ultimately resulted in a credit balance but only for a little over {$10.00}, on my account due to some returns/refunds i later received. Nothing. One day I could use my credit card account to make purchases. My last payment was received and processed in Capital One 's abnormally atypical version of normal, and then soon thereafter, my card was declined when I tried to make a purchase at a store or pay a bill online. Growing accustomed to the need to occasionally call Capital One to reassure representatives that yet again it was me making an authorized purchase on my credit card account and to please, please, please, with sugar on top, release the suffocating, iron-clad, knuckle-whitening, desperately strange death grip on my available credit limit so that I may use it and pay it off as I had been consistently doing for the over six months of ensuring this pathetic and grueling business relationship with a very warped and disturbed Capital One ... It was then that I was advised that my account was placed on RESTRICTION and could not be used until the restriction was lifted. The way to have it lifted? I had to provide proof of my identity AGAIN, plus proof of my residential address, a real time photo of myself holding a piece of paper with that day 's date written on it .... AND -- - here 's the kicker -- - I was told that I MUST consent to a three-way telephone call between Capital One, myself, and the bank where the account used for some of my payments was held, so as to verify my ownership or co-ownership of the account, or validate my authority to use the account. Please take very critical and thoughtful note of this next fact I 'm about to share, because I think it finally, fully, and very accurately illustrates just how outrageously out of bounds are the business practices of Capital One. More than one " Representative '', " Supervisor '', and " Fraud Specialist '' had the astounding audacity to demand, mandate, require, and attempt to coerce me into allowing them access into my private, individual, PROTECTED, financial, personal, and business affairs by way of me or facilitated by me or authorized by me and pertaining to a financial account that is in NO WAY AFFILIATED WITH CAPITAL ONE. This account used to pay my bills is a local credit union account with no applicable business connections to Capital One that would necessitate Capital One to suddenly, randomly, arbitrarily and without provocation or inciting by any third party, but especially from a credit union staff member, need to verify THAT account is not being used fraudulently, despite the fact that no payments have been returned by my bank unpaid but most importantly, it 's quite notable that Capital One has not once, ever, refused to accept, post, deposit and retain any of the funds from this bank account used to make payments to Capital One. Not once. They 've not had any action taken against them that would cause them fiduciary loss, my bank has not initiated any inquiries into the account 's utilization, activities and management, I nor the former co-account holder ever initiated any inquiries or concerns. There has been absolutely NO reason for this issue to have arisen. And there is NO reason for Capital One to try to meddle into my personal financial affairs when o have no other accounts related to Capital One, my credit union is not affiliated with Capital One and the credit unions business is not any business of Capital One, and Capital One has not suffered the loss of one red cent due to me, my bank, my Capital One credit card account, my card usage and management, my payments, nor in any other way, not real nor imagined, not clairvoyantly predicted nor hallucinated, not speculated, not projected, not conjectured .... and most certainly Capital One has absolutely no justifiable cause, logical need, legal right, reasonable excuse or fiduciary interest to invade my personal financial autonomy and privacy. And they need to be reminded that businesses are in businesses because of their customers. And they need to receive an extensive and intensive education in customer relations and business ethics. A refresher in the US Constitution might be a pretty good addition to their schooling as well. Maybe the founder and current majority shareholder has lost his mind, his perspective, or maybe he 's lost any and all contributing management over the company. I do n't know. Maybe he 's been an unethical, deceptive, underhanded and cutthroat greedy capitalistic oligarch his entire life. Maybe his taste of unlimited, ostentatious, obscenely grotesque amassing of wealth in a sector that is largely unchecked, unbalanced, poorly regulated, barely overseen, mostly ignored, and silently encouraged by the joke the US Government has been evolving into, especially the astonishing circus XXXX and XXXX parade taking place under this administration consisting of an insane clown president, his handpicked swamp posse, and his personal band of intellectual buffoons and drooling XXXX doing his media bidding ... ..like it 's just another day of another XXXX reality show. Worst of all, all the politicians who took an oath that they 've conveniently forgotten as they legitimize this nonsense, and all the high school and college graduated citizens who " voted '' for that reprehensible excuse for a human being, all who continue to support him as though this is no big deal instead of the very real, very dangerous, very potentially destructive tragedy and act of complicit high treason this country has ever seen. The systems, all of them are broken. And the only ones who can even start to fix them are the very ones who would be negatively impacted to their very core- $ $ $ -should they actually do their jobs, represent the people and consider the nation above their own self interests. Many of us have finally awakened to find ourselves in a real life horror movie where there is no one listening to our screams. So maybe XXXX XXXX has shrewdly taken advantage of XXXX disastrous administration that created the financial instability we 've rolled up and down on since then. But the very dubious and ineffective smokescreens of these farcical agencies such as relating to " consumer protections '' and " citizens advocacy '' and " civil rights '' and the " US Constitution '' are n't fooling everyone anymore. They 've helped nurture a nation of morons and sadists, and made unbridled greed the new cultural norm. But there are still people -- -citizens -- -in America who are n't yet infected with that disease. And we are sick to death of being ignored, pushed around, pushed down, deprived, abused, disregarded, and underestimated. The professionals in this country better start being professional and the regulators better start regulating and the protectors better start protecting. And those who are sworn to uphold the constitution of the US and to represent ALL of the people and the best overall results for the whole of American society better start taking a good long look at who and what they 've become. Because one day, they might find themselves facing off against .... Karma And she 's a ... ..
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10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX I went inside the Capital One Cafe located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. A male employee offered to help me make a cash ATM payment for my Capitol One Business Spark Credit card for my business. The bill was {$85.00}. I gave the Capital One employee {$100.00} cash to pay the full bill. The employee put the cash in the ATM and it malfunctioned eating the cash. It did not disperse the cash back out, no receipt nor did the ATM return the cash back after the employee tried to even cancel the transaction. At XXXX XXXX XXXX XXXX the male employee called Capital One customer service by phone and spoke to Customer service rep XXXX ( ID XXXX XXXXXXXX or XXXX ). The male employee identified himself as a Capital One Cafe employee, gave his employee ID, ATM terminal ID XXXX, address of business, and explained in detail the ATM ate the {$100.00} cash completely malfunctioning issuing no receipt nor return of the {$100.00} dollar cash bill he had inserted into the ATM. I then also spoke to Customer service rep XXXX identifying myself, personal information, account credit card numberetc. she then issued me a case number XXXX. Capital One sent me a letter dated XX/XX/XXXX stating essentially they were investigating the missing cash that within 30 days I needed to respond to them with documentation of an ATM receipt, or total amount of payment, Branch address, ATM terminal ID, which wouldve been located on the actual ATM, payment date and time. The letter indicated if they dont receive this information within 30 days, my account will be rebilled for the amount of any temporary credits. In regards to the letter I called Capital One on XX/XX/XXXX and reminded them that on XX/XX/XXXX the capital one caf employee provided them with all the information and that I was aware that it was a recorded call in which they should reference back to the customer service rep XXXX, who took the information because it was provided. I was told to disregard the letter that matter was resolved that I didnt need to do anything further because they did have the information provided and that the letter sent to me was an automated generated type of letter.
On XX/XX/XXXX I received a letter from Capital One saying that the payment discrepancy on the capital one account was closed unfortunately due to the fact that they did receive the documents that was requested within 30 days and so the request can not be filed ; the case was closed referencing the case number XXXX. That letter prompted me to call Capital One on XX/XX/XXXX at which time I spoke to XXXX, who was a senior account manager. I spent two hours on the phone with her explaining what have been happening with this ATM investigation. She indicated that they would need to reopen another investigation regarding this matter and gave me {$100.00} credit back to my account pending investigation. I was informed there was no payment due and no late fees. I then spoke to a capital one rep named XXXX who made a {$100.00} balance adjustment on my account and stated that the late fees would also be removed or adjusted citing case number XXXX.
On XX/XX/XXXX I received two separate letters from Capital one regarding my Capital One business spark credit card where by one letter indicated they were still investigating the payment error that I had reported and that on XX/XX/XXXX they had placed a temporary credit adjustment on my account for {$100.00} while they investigate. The second capital one letter also dated XX/XX/XXXX indicated they were contacting me regarding the payment discrepancy requesting that I provide documentation of the payment in question which should include my name and the case number listed above, referencing case number XXXX.
Then on XXXX, XXXX XXXX I received a letter regarding claim number XXXX indicating unfortunately that they were denied the claim because the ATM records do not show an error or a completed transaction for the dollar amount or date that was indicated. I was instructed to contact Capital One if I had any questions.
On XX/XX/XXXX I contacted Capital One and spoke to investigator Senior account person named. XXXX indicated that the account reflected that there was no extra cash found with the ATM and at that time I requested whether the investigation reflected if anyone had reviewed the ATM video footage. I was not given the answer to that question. At that time my account was reflecting that I owed capital one an extra {$100.00} which made no sense because my total bill in XX/XX/XXXX was only {$85.00} total. Furthermore, On XX/XX/XXXX I contacted capital one about the two letters that I received both dated XX/XX/XXXX and at that time I spoke to XXXX as senior account supervisor about my concerns that my situation was not diligently being investigated, and I wanted to know if the investigators with capital one had reviewed the video footage from the ATM. She was unable to provide me that information and said that she will call me back because she found some errors that needed to be looked into regarding my case. On XX/XX/XXXX I received a voicemail from XXXX stating she was still working on the case that she would contact me.
On XX/XX/XXXX I called back to Capital One and I spoke to a customer service rep named XXXX because it was reflecting on my Capital One account per my statement that I had received in the mail showed that my account was {$110.00} past due with a late fee. XXXX adjusted my account to reflect a credit of {$100.00} pending investigation after I explained to him what occurred on XX/XX/XXXX. I then asked to speak to the investigators who sent me the letter dated XX/XX/XXXX, and at that time I was transferred to speak to XXXX a Supervisor in investigations ( ID number XXXX ). XXXX escalated the matter to a Capital One unit where I spoke to XXXX again ( ID number XXXX ). XXXX indicated there was an error in the previous information and that the information needed to be reviewed again. At that time I asked XXXX to provide me with the name of the male employee who originally helped me at the ATM at the capital one caf, and she couldnt provide it to me. XXXX asked me about reference case number XXXX which she states was a case that was closed on XX/XX/XXXX. I provided XXXX with the original case number that have been given to me by Capital One customer service rep XXXX on XX/XX/XXXX. At that time she acknowledged that there were two cases, and she was unable to explain why. I also informed her of the letters that I had received which were two dated XX/XX/XXXX, and one dated XX/XX/XXXX referencing the new case number XXXX. The matter was referred for yet another investigation.
My credit card statement due for XX/XX/XXXX reflected that {$100.00} of my credit to my account adjusted on XX/XX/XXXX. However, when I receive my credit card statement due for XX/XX/XXXX it reflected I owed Capital One {$100.00} which had been a payment adjustment on the credit card statement the prior month. So on or abouts XX/XX/XXXX I went in person to the Capital One Cafe to speak to the manager and was told she was not available. So an employee there called Capital One customer service on my behalf to again report what was initially reported on XX/XX/XXXX. At that time I was told my account was again given a credit for {$100.00} pending the investigation.
On XX/XX/XXXX I called capital one again to request for the status and was told by Supervision, Senior account specialist, XXXX that the case had actually been closed that the ATM had no extra cash. At that time I asked her if anybody had reviewed any of the video footage from the actual ATM, whether Capital One investigators ever bothered to interview the employee working at the Capital One Cafe regarding the malfunctioning of the ATM on XX/XX/XXXX. XXXX either refused to give me that information and or was unable to state whether the investigations ever bothered to review the ATM video footage, or even interview the Capital One Cafe employee who had assisted me in reporting the incident. XXXX informed me that in order for the matter to be investigated again I would be required to have to write a letter and I could email it to them after she sends me a link via email which is in fact what I did.
On XX/XX/XXXX, using the link sent to my email by Capital One I submitted a four page handwritten letter in which I gave details about the incident and the malfunctioning of the ATM during the transaction where it failed to disperse My {$100.00} cash back. In my letter I noted the time that the incident was reported and that there was no receipt because the ATM completely malfunctioned. I reminded them that on XX/XX/XXXX that a Capital One employee assisting me, gave them the date, time, address, ATM terminal information and a detailed explanation as to what happened to the {$100.00} cash when he put it in the ATM. I reiterated in my letter that the Capital One cafe employee spoke to XXXX by phone and she was on speaker the entire time when the report was taken, verifying my name, my address, business information, and any other pertinent information at the time, along with referencing the original case number XXXX. My letter went onto address that this matter has been ongoing for six months and has not been resolved. That I am continuing to suffer on my credit report with my credit score dipping up and down from this fiasco and that I continue to get billed for {$100.00} in which I do not owe to Capital One. My letter went out to explain that this adverse information is truly affecting me and I wanted this to be finally resolved. I requested that the investigation include interviewing the Capital One Cafe employee who had assisted me with my cash payment on XX/XX/XXXX, I requested that video footage from the ATM be review to substantiate the claim and that if Capital One failed to resolve this matter my only option would be to seek legal counsel for any damages done to my new company business credit. I indicated how I could be contacted and that I was no way delinquent on this account. I signed my name and my phone number to contact me. It should be noted that on XX/XX/XXXX my credit card statement from Capital One Spark Business correctly shows that I only owed a total of {$85.00}. To this date, Capital One is trying to bill me to pay them {$100.00} which I have never owed them. If anything on XX/XX/XXXX, my Capital One Spark business credit card account shouldve been credited for {$15.00}.
I received another letter from capital one dated XX/XX/XXXX indicating that they received my claim number XXXX and that they were denying my crying because the ATM did not show an error or a completed transaction for the dollar amount or date indicated. I was instructed to contact the payment investigations department either by fax, phone, or mail. I called Capital One on XX/XX/XXXX and I asked to speak to someone and the payment investigations unit and was told that they were not available. So I spoke to a senior account manager named XXXX ID number XXXX. She pretty much gave me the same explanation as prior employees did from prior phone calls. She stated the ATM so no errors and then I have a past due amount of {$100.00} and which I told her I do not go to capital one that my original credit card statement back on XX/XX/XXXX of XXXX was for {$85.00}. I explain to her that this matter has been going on on result. For six months she was asked to provide me the name of the employee that assisted me in the Capital one caf, and she refused to give me that information. I also again asked if they investigations unit have reviewed the video footage that I was aware all ATMs have a video because of pretty much what I do for a profession. She was not able to provide me with anything, and I did request that my matter be escalated up And who above her I could speak to because I was getting no results regarding this entire situation. She said there was nobody that she could escalate it up to and then she offered to call me back after I had asked what I could do at this point, and she just kept saying I needed to send a letter in order to do another investigation. I repeatedly told her Ive already done that and that is not working. She didnt say if she could call me back in which the fact she did she was not able to look at the notes and see who the employee was she said his name was not there then she told me that there was no record that. XXXX took the employees information down when it was reported on XX/XX/XXXX. I was flabbergasted by what she said and then she told me that she was informed that I couldnt file another investigation, and that it would be pointless because the result would be the same. One of the things that I kept asking her was that the fact is all calls to capital one are being recorded at XXXX she was not able to access any of the recordings in order to confirm the information that was provided to XXXX on XX/XX/2023 ; she refused to answer it, and would not even say whether or not investigators had investigated this case by listening to the recorded calls. XXXX hung after I placed her on hold because I had received a call from the manager from the Capital One Cafe.
The manager from the Capital One Cafe returned my phone call after I had left her a message in the early afternoon of XX/XX/XXXX. I explained in detail to the manager this nightmare situation and she informed me that she had never been informed of the situation or investigation. I described her employee that assisted me and she made it clear that she knew who that individual was and that she needed a week to look into the situation. She asked me for the original case number, and which I gave to her and she asked me for the last case number regarding this incident. I explain to her that I wanted to get the name of her employee that assisted me and she said she needed to look into it first before she could provide me with that information. I asked her if she was the manager of the capital one Caf on XX/XX/XXXX and she said she was. Immediately after the call I located information on how to file a complaint with the Consumer Financial Protection Bureau against Capital One.
At this time I am seeking assistance from the Consumer Financial Protection Bureau because I believe there is some fraudulent criminal activity being conducted by Capitol One. The ATM in question is taking cash, not operating legally, not functioning properly and Capital One investigators are not properly conducting an investigation by reviewing footage from XX/XX/XXXX, nor fairly interviewing their own employee who assisted me reporting the ATM malfunction. This might be happening for other consumers when using cash at ATMs that Capital One is using robbing their own customers. I need to protect my new business credit worthiness and this situation has affected my business credit for more than six months. My credit card Spark business is repeatedly being billed for late fees that are repeatedly being placed on the account causing creditworthiness issues with my new small business. As I have said, this matter has been ongoing for nearly 6 months. I feel Capital One is engaging in criminal activity in not diligently attempting to resolve this matter because they continue to close investigations without providing information about the methods of their investigation. They refuse to say whether they have reviewed the ATM footage from XX/XX/XXXX. They are refusing to indicate whether they have interviewed the Capital One Cafe employee that reported to customer service representative XXXX on the day of question. I feel that capital one is fraudulently conducting business requesting for me to pay them money that I do not owe them and allowing an ATM to steal cash from people.
I need help with in addressing the criminal activity taking place with Capital One and or help with closing this account to take my business elsewhere without harm. Please help me with this matter.
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03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/1981 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
XXXX5. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX- On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( XXXX ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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In XX/XX/XXXX, one month after moving from XXXX to XXXX, my wife XXXX opened a new checking account at Captial One 360 Bank. We had previously banked at XXXX and discovered that XXXX had closed all their branches in XXXX. We found a Capital One branch located close to our home and decided to open an account there.
When my wife went to the branch she was told that Capital One had a service called Capital One 360, which was their online banking. We were not told that this service would mean that the actual bank branch would be unable to assist us with anything other than deposits and withdrawals. She was sold on this service because it was billed as easy and convenient as well as having no minimum balance.
At the opening of the account, she deposited two personal checks : 1 ) {$2300.00} from XXXX XXXX, who was our landlord in XXXX ( check was the return of our one month security deposit on the apartment ), 2 ) {$2400.00} from XXXX XXXX ( payment for summer tutoring services performed by myself ). Thus the total initial deposit was {$4700.00}.
From the opening of the account until XX/XX/XXXX we had no intention of using any of the funds in that account. The account had been opened as a rainy day fund, and with the beginning of XX/XX/XXXX rent due, that rainy day had come. In the meanwhile though, my wife had installed the Capital One mobile app and had periodically checked on the account via the app without any issue. We were concerned by the Equifax hack and have been periodically monitoring our bank accounts to check that nothing was amiss.
Apparently Capital One sent an email to the effect that more information was needed and the account would be locked until they received more information. This email is dated XX/XX/XXXX. Unfortunately, my wife did not read that email and failed to respond. Thus we relied upon our continued access to the mobile website which did not display a warning or other indication that something was amiss with the account. I have included a screenshot of the email as forwarded from my wife to me.
On XX/XX/XXXX at XXXX my wife and I walked into the same branch, Capital One at Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX intending to withdraw some funds to make XXXX rent payment. We were surprised when the branch representative said that the account had been " locked '' XXXX her words XXXX. She then told us that since this is a XXXX account, that the actual branch didn't have any access to the account particulars and everything would have to be done over the phone. She then dialed a line that would connect us to the people who would unlock the account. At the time we thought that a lock must have been placed as a security precaution if the bank had detected some potentially fraudulent attempt to access the account.
The number the representative dialed connected to a customer service rep who then informed us that all he could do is connect us to the security team. This connection was merely sending us to a voicemail. The branch representative was surprised by this and decided to try again since we were sitting in an actual Capital One bank and could provide all the necessary identification needed for security purposes. After 40 minutes we connected with someone who then told us that the security team could not be reached in any other way other than the connection they gave us that would lead directly to a voicemail. Frustrated and needing the money, my wife left a voicemail with her name and phone number. The branch representative then told us that if they got back to us before close of business that day, we could then return and withdraw money. When asked how long it might take, she assured us that at most 72 hours, which already seemed like an unreasonably long time to return a phone call to a customer who can not access needed funds.
On the same day, my wife had connected her XXXX account to the CapitalOne account and XXXX did a micro {$.00} transaction to verify the existance and access to that account. My wife then transferred {$320.00} from her XXXX account to the CapitalOne account on XX/XX/XXXX with confirmation that the transfer was completed. She checked on the mobile app and it displayed a deposit of {$320.00} from XXXX.
Around XXXX on the same day, worried that we would not be able to access the account, I called in to try to get contact with someone who could unlock the account. I explained to the person the urgency of the situation since we needed that money to pay for rent. He said that he understood, but we were given the same non-explanation and connected to the line which did not ring at all and went directly to voicemail. I asked to speak to his manager and he refused. I asked to speak with someone who handles customer complaints and he directed me to an email only, saying that there were no live people I could contact. I wrote a long email describing my complaint to XXXX but did not receive any response, not even an autoreply saying that the message has been received.
The following day, XX/XX/XXXX, unable to access the account, our account at XXXX XXXX where we had connected an autopay became overdrawn. Unsure whether someone from Captial One would contact us that day, my wife asked a friend of hers to lend us some money and transfer funds to our XXXX account to cover our overdrawn balance.
In our last previous phone call with a live person, we had been told that it would most likely be within a week at most that we would hear back from the security team. Meanwhile from XX/XX/XXXX, my wife called back each morning, often on hold for 15-40 minutes before speaking to someone with no further information on the account and then getting forwarded to the same voicemail where she left a name and number. This continued until XX/XX/XXXX, when a week had now passed with no attempt to contact us.
Now, we began to worry about XXXX rent and not wanting to borrow even more money from a family friend, I used my twitter account to post several tweets detailing our ordeal and the complete lack of responsiveness on the part of Capital One. I received a message in reply from @ XXXX asking for my wife 's name and zip code in a Direct Message. I responded to that request giving them my wife 's name ( XXXX XXXX ) and our home zip code ( XXXX ). Within an hour I received a followup Direct Message : " Thanks for the follow-up XXXX. We did some digging here, and while we're not able to place an outbound call in this case, we should be able to get you in touch with the right team. Have XXXX call XXXX - this number will take her directly to the correct team to help. ^XXXX '' Hoping that this would be the end of our ordeal, my wife called in to that number. She was able to speak with a live person, who then told her that the account in question had been " closed '' because they had not received a response from us when we opened the account. Keep in mind that neither the branch bank rep nor the phone reps had told us that the account was closed, merely that it was locked. My wife responded by saying that if the account had been closed, then why had she been able to continue to access the account through a mobile login, and further why was XXXX able to confirm the account and allow a transfer of {$320.00} into that account.
The representative did not explain how this could be possible, but continued to repeat that the account had been closed. We were fine with this, but needed our funds that were in three deposits 1 ) {$2300.00}, 2 ) {$2400.00}, and the final 3 ) {$320.00}. The representative then told my wife that CapitalOne would not issue us that money in a check, but that we would need to contact the original payor of the checks and XXXX to get them to " reverse '' the payment. Having no idea what they were talking about, my wife said she would call them back after speaking with me.
Meanwhile, she then attempted to log in to her mobile app, only now to discover that suddenly her login no longer worked and displayed a message to call a number. Thus CapitalOne retroactively decided to correct the access we had been given online to fit in line with their narrative. I have included a photo dated XX/XX/XXXX of my wife 's account on the tablet at the bank branch showing access to the account and some of the details of the account to show that CapitalOne is lying about having closed the account prior to XX/XX/XXXX.
I returned home immediately after receiving a stressed phone call from my wife and we dialed the number I had received on twitter. When my wife asked that the person speak with me, the representative stated that she would not speak with anyone other than my wife. I then turned the phone to speaker so that I could hear what the representative was saying. Again, she repeated the statement that we would need to go back to the payors of the checks and ask them to " reverse '' the payment. The checks had been deposited in XXXX XXXX, and CapitalOne was telling us to get people to get their money back from checks that had been deposited.
As stated above, the two checks in question were from 1 ) our previous apartment landlord for a return of our security deposit, and 2 ) from the parent of a student of mine. We were told that when the issuing bank requested the " reversal '' that the money would be returned to the accounts of the payors. When asked whether I would receive any documentation from CapitalOne saying that a reversal was made, I was told that they would provide no such documentation. CapitalOne was asking me to put myself in financial jeopardy by asking a landlord and a former client to get their money back, and then trust in their goodwill and moral fortitude that they would then write us new checks, all without any documentation from CapitalOne that something of this nature occurred and that payment that had previously been received and deposited was now no longer the case. Essentially, should the landlord and client decide to not issue new checks to us, I would have no evidence that they had not paid me. Finally, with regard to XXXX, the representative insisted that XXXX would be able to reverse the transaction. The payor in this case was my wife since the {$320.00} had come from her XXXX account. The representative would not answer any further questions, refused to listen to me further because she determined that she had nothing further to offer and then hung up on us.
Completely demoralized, I tracked down the phone number of our previous landlord and messaged her asking her to call me back. I explained the situation to her and while she was confused, she agreed to call her bank and ask them to do what CapitalOne had requested.
Following that call, I placed another call to the mother of my student and explained again the same situation. She also agreed to do as CapitalOne asked.
After that, my wife placed another call to XXXX asking them to " reverse '' the payment. After speaking to a manager level representative, we were told that XXXX is not a financial institution and only had the ability to process funds in one direction, by giving it, not be taking it.
My wife then called the same number above to let them know that XXXX had said it was impossible to do as CapitalOne had asked. She further questioned why, if the account had been locked or " closed '' as they intimated, had the XXXX connection been allowed, and why had CapitalOne even accepted a XXXX deposit. She received no explanation, and the rep only replied that now no deposits would be accepted. The representative then told her that because of the nature of our calls that CapitalOne had decided that they no longer wanted to do business with us. If our ordeal weren't so real, that would have almost been comically funny.
My wife replied that this was fine, that we only wanted to get our money back. The representative kept trying to insist that the paying institutions ( the banks from which the checks were drawn and XXXX ) would have to initiate the payment reversal.
While she was on the phone, I received a call on my phone from our XXXX landlord. My landlord relayed how she had called her bank ( XXXX ) and asked to do what had been requested. She said that her bank said such a procedure was impossible, that the check had been deposited, and there couldn't even be a dispute of the check after such a long period had passed. According to XXXX policy, if XXXX had closed an account ( for whatever reason ) XXXX would have been required by law to issue a check for the balance in the account to the address on record. I hurriedly told my wife what our landlord had told me while she was still on the phone with CapitalOne.
He repeated the same lines again about getting a reversal until my wife asked to speak with a supervisor. When told that XXXX had told us their policy, he placed my wife on hold to speak with someone. When he returned he told my wife that if we received either a " Hold Harmless Letter '' or " Letter of Indemnity '' from the banks of the payors, CapitalOne would then issue a check to us. My wife had no idea what that meant and he refused to give further information and my wife judged that the representative did not know exactly what those things meant either. He did not offer any further instructions and no email sharing directions for how those letters were to be constructed was given.
Despondent, my wife hung up after writing down what she had been told, including a fax number ( XXXX ) where we were to fax these letters once we had received them from our landlord and my former client. He still had not let us know how we were to resolve the {$320.00} from our XXXX account.
Again, I called our landlord to ask her to ask her bank for this, but now she was uncertain about signing a general letter of indemnity, not knowing how CapitalOne would use that letter. Since there was no specific direction regarding what terms would be needed in that letter, I could not tell her what she needed to hear. She agreed to ask her bank if they knew what CapitalOne would need, but she stated that while she would agree to an affadavit affirming the nature of the check that she wrote to us, she would likely not sign a general ( unspecific ) letter of indemnity.
I received a similar reply from the mother of my student.
Now we are completely out of options. CapitalOne says they closed the account. CapitalOne has now, beginning XX/XX/XXXX locked my wife out of online access. CapitalOne has told us of a method to recover the money that turned out to be impossible according to the banks of the check payors. CapitalOne now demands a legal instrument that the check payors are reluctant to sign.
We even visited our local XXXX XXXX representative to ask for clarification and she informed us that XXXX XXXX, like XXXX, would have issued a check for the balance in the account upon closing the account.
I discovered the CFPB from calling the Federal Reserve consumer help line and was transferred to a CFPB representative who was very helpful.
We are desperately in need of help. We were told that after filing the complaint that CapitalOne would have 15 calendar days to respond. 15 days would put us very close to the end of the month, at which point another rent payment will be due along with the other bills. We have not been able to make more than our minimum credit card balance payments and are essentially surviving on using credit cards to pay for gas, utilities, food, and essentials. We have a XXXX XXXX daughter and need this money to get some of our financial issues straightened.
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07/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
This is the history of what happened with Capital One, how they completely mislead me into thinking they were helping me to remove fraudulent accounts from my credit reports and in stead of helping me they deceived me completely and they are still trying to collect even though they know the debts do not belong to me. It started this XX/XX/XXXX when I obtained a free annual credit report for XXXX, XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, SC XXXX, phone number XXXX, account number ending in XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports.
They did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all four credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. They never called back to request additional information beyond a police incident number. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT- ending in XXXX in the amount of {$1900.00}.
I have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living hell may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX, so I thought that apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX again on XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me on XX/XX/XXXX that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ...
On XX/XX/XXXX Capital One said they could see that even the home address listed a XXXX XXXX ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name.
I am the victim in this circumstance and yet XXXX threatened to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me and that fraud occurred. I needed help to get XXXX to cooperate. They know I reached out to them almost 3 or 4 months ago with the dispute and so has the credit bureaus. XXXX needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XX/XX/XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports. They show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports. They act as if XXXX did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX removed it from my credit report, along with other related items! XXXX removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ... XXXX XXXX claims that the first time they received anything from me was on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX.
Initially, Capital One said they could not find these accounts in my name with the account numbers that were listed on my credit reports ... only after asking for my social security number, drivers license number, date of birth and address on XX/XX/XXXX did Capital One find that I had accounts with them, but they acknowledged that the accounts could not belong to me after asking a series of questions ... there were 3 accounts on my XXXX credit report related to Capital One and one was listed in good standing though it was not mine! Capital One acknowledged that they are not my accounts on XX/XX/XXXX they opened a case and assured me that they would remove them from my credit reports and no longer seek to collect the debts.
Yet one of the collection agencies that they sold one of the debts to was giving me opposition on every hand, XXXX XXXX.
I noticed that XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent. Does it make sense that the first time they have been contacted by me was XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part.
I need help to resolve all of this once and for all.
Now to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly, or so I thought, but not XXXX XXXX XXXX- my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me on XX/XX/XXXX and to XXXX and removed the one in alleged good standing that said pays on time, but left the one they sold for the same debt to XXXX XXXX XXXX and now companies harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a XXXX XXXX as the residence so the accounts or applications should have never been approved by Capital One.
Further more, when confronted, they changed their story claiming that the address listed from the disputes through the credit bureaus was the one used to open the accounts, which is false! They already told me that XXXX XXXX were used and listed as a residence on the applications. Either they are completely deceitful and took advantage of my dispute contact information that I used when disputing through the credit bureaus and through the XXXX and switched it in their system or this is a nasty oversight. Then again, they could have lied to me on XX/XX/XXXX about helping me and used all of the valid information they said they needed in order to find the accounts, because they claimed that the account numbers I gave them from the credit reports did not pull up any accounts for me in their system.
They are caught because when I disputed with XXXX, I used my parents address to communicate about the disputes to Capital One. That is when another collection agency, XXXX XXXX XXXX, that bought one of the debts from Capital One sent alleged information about the account to my parents house and all of the addresses on their documents from Capital One list a XXXX XXXX shown as a residence and none of the information matches any address, email or phone number of mine. Either way, I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again.
Today, XX/XX/XXXX, I found a piece of mail from Capital One concerning the debt they sold to XXXX XXXX. After acknowledging that it is fraud, Capital One is now back in control of the debt and informed me that the account has not been changed and now it will be handled by Capital One Corporate Office who is seeking to still collect an {$810.00} debt that is the result of identity theft.
It is evident that Capital One is not trying to help me, but deceive me and the consumer reporting agencies.
Unfortunately, I am forced to open up and explain what has really been going on from XX/XX/XXXX-XX/XX/XXXX. I have been a victim of violent crime. There have been repeated attempts by the attackers to take my life. They have shot up the home where I take care of my senior citizen parents. The restraining order listed addresses and phone numbers that they were ordered to avoid and they retaliated over the years with more violence, so this is why I travel a lot- hiding while different relatives take care of my indigent parents.
I have been threatened and intimidated by these criminals, I have lived in fear and would like to try to overcome and get some control over my life ... salvage any relationships I have with family and friends.
Some day I intend to apply for my first pre-approved credit card. I was hoping it would be soon, but after the way Capital One mishandled these issues and thieves have assumed my identity ( and my parents ) and have made it difficult to have a normal life, I do not know if I will ever be able to proceed.
My identity and the identity of my parents have been stolen and though I was involved in data breaches with my bank, with XXXX and XXXX XXXX XXXX, Hurricane Harvey hurt us and past Tropical Storms and floods were a nightmare.
Please imagine how it seems impossible for me and my parents to recover from crimes committed against us on top of everything else.
The biggest problems have come from the men and women who have tried to take my life and shoot up anyone who might be inside of the house.
They stole from my bank accounts time and time again or made unauthorized purchases online according to the banks ... my credit reports are riddled with variations of social security numbers, addresses, phone numbers, names and fraudulent accounts.
The dispute process is very meticulous and draining. My parents credit reports are the same. Step by step we are trying our best to report to the necessary agencies and seek help, but in a way to avoid harm coming our way again, if possible.
You have no idea how often my bank accounts have been hacked, compromised, robbed or account information changed concerning billing and change of mailing addresses without my prior knowledge, consent or doing.
This year alone, they wiped out my accounts and my parents bank accounts and savings, too. They have opened store accounts and credit accounts in our names and these items appeared on our free annual credit reports. XXXX issued an extended fraud alert to all credit bureaus on our behalf. We are advised to report to the Federal Trade Commission and also to the Consumer Financial Protection Bureau.
This is challenging because it is not worth dying to report their names to law enforcement again!
Please let me know what you need from me so that I may receive your assistance with my requests. I have attached a few documents, a 4-page PDF needs to be submitted separately but some correspondence from these companies and collection agencies are included.
Only The 4 page PDF is not to be viewed by Collection Companies. It is not to be viewed by any of the businesses involved because I sent the PDF to XXXX with too much personal information. Then I had to send more information regarding Capital Ones latest deception concerning trying to still collect the debt from XXXX XXXX through the Capital One Corporate office.
The 4 page PDF also explains the situation to XXXX about how another company has been giving me the run-around, not responding to calls or when answering leaving me on hold for hours and then disconnecting the call ... leaving a number to contact them, but no one answers and voicemail does not work. I am also suspicious that they are using robots and or computers to generate generic responses that do not address the seriousness and urgency of my situation.
By the way, Capital One and other credit card companies have supposedly pre-approved me for credit cards, but after this I would never consider doing business with Capital One and in stead will opt to accept an offer from a different company- though with the mess that Capital One has made is making the odds less favorable for me to establish what would be my first credit card, should it go well.
Capital One disregarded the police incidents that were filed by me over the years. Perhaps they will take the one filed by my Mother seriously and help me this time by clearing my name of these fraudulent debts permanently. A copy of that report number and slip is attached. Once we saw all of this on our credit reports and bank accounts were targeted around the same time my Mom took action this time and she is too fragile to be upset all over again and too elderly to be robbed of her savings and living in constant fear of more retaliation.
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03/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
CAPITOL ONE XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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04/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX Tel : XXXX XXXX e-mail : XXXX Wednesday, XX/XX/2020 sent via e-mail Consumer Financial Protection Bureau United States Government I apologize for such a long-winded letter Dear Sir/ Madam Subject : Capital One Financial Corporation Questionable and Substandard Business Practices Preamble : My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, California. I have been a customer of Capital One for many, many years and have three active credit card accounts with that corporation. From the onset, I opted for their on-line payment program for the following reasons : Its convenient for me to make on-line payments and Capital One gets their $ money $ pretty much by the next business day Its Green No need for mailing paper statements, writing checks and using stamps N.B. I have never been late in making monthly payments on any of my Capital One Accounts. Ive never had any problems with Capital One until XX/XX/2020.
Complaints : 1. Capital One has blocked my on-line access to my three Capital One credit card accounts and therefore I can no longer make on-line payments 2. Capital One wont process my mailed-in payments sent via U.S. Postal Service Certified Mail and now Im receiving e-mail reminders that my accounts are delinquent The Root Cause to these Problems : I do not own a cell phone and never have. I also do not have the need for a land-line either.
Complaint # 1. Capital One has blocked my on-line access to my three Capital One credit card accounts and therefore I can no longer make on-line payments On Tuesday, XX/XX/2020, I received an e-mail from Capital One stating, Update your mobile number in your profile to receive important alerts. Regrettably, I cant provide that information to Capital One because I do not own a cell phone and never have. I also do not have the need for a land-line either.
page 2 of 7 On Thursday morning, XX/XX/2020, I tried logging in to my Capital One account numerous times so that I could view my account information and make a payment. I kept getting this same message, every time I tried logging in stating : We noticed something different about this sign in Choose a 2-Step Verification method to verify your identity using either text messaging or phone to obtain a temporary code from Capital One. Again, I cant provide that information to Capital One because I do not own a cell phone and never have. I also do not have a land-line.
On Friday evening, XX/XX/2020, I contacted Capital One via XXXX ( a service I dont subscribe to ) and spoke with XXXX ( her ID : XXXX ), Capital One Account Supervisor. I explained to her that Capital One had blocked my access to my on-line accounts, told her that I did not own a cell phone or a land line and asked if she could arrange to have someone or IT lift the block to my on-line accounts and reinstate my access. In closing, I told her that the best way to contact me is via e-mail at XXXX On Tuesday, XX/XX/2020, I received an e-mail from the Capital One Digital Escalations Team referencing my case ID # XXXX. The e-mail requested that I call. Since I do not own a cell phone or a land line, I was unable to do that.
I received follow-up e-mails from the Capital One Digital Escalations Team referencing my case ID # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all requesting I call. All four e-mails from the Capital One Digital Escalations Team include a footnote stating : Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/contact. As such, my problem accessing my on-line accounts with Capital One continues to linger on.
My Reply to Case ID # XXXX : In response to the e-mail, on Tuesday, XX/XX/2020, I checked out www.capitalone.com/contact and mailed out letters to two divisions of Capital One to request their assistance. Both letters were sent via XXXX Certified Mail with Receipt Return to the following locations : 1st letter : Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX. and was delivered to Capital One in XXXX, NC on XX/XX/2020 at XXXX XXXX.
2nd letter : Capital One c/o XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX THIS IS THE CUSTOMER SERVICE ARM OF CAPITAL ONE o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX. and was delivered to Capital One in XXXX XXXX XXXX, UT on XX/XX/2020 at XXXX XXXX
My Second Follow-Up to Case ID # XXXX : On Monday, XX/XX/2020, I did a follow up to my letters of XX/XX/XXXX to request assistance in lifting the block to my on-line accounts and reinstate my access. Again, both letters were sent via XXXX Certified Mail with Receipt Return to the following locations : page XXXX of XXXX XXXX letter : Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX and was delivered to Capital One in XXXX, NC on XX/XX/2020 at XXXX XXXX
XXXX letter : Capital One c/o General Correspondence, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX THE CUSTOMER SERVICE ARM OF CAPITAL ONE o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX. and was delivered to Capital One in XXXX XXXX XXXX, UT on XX/XX/2020 at XXXX XXXX
Outcome to my four USPS Certified Mail Letters : I never heard back from either the XXXX, NC or XXXX XXXX XXXX, UT branch of Capital One.
?? Suspicious Phishing Letter?? : On XX/XX/2020, I received a Capital One letter from XXXX XXXX XXXX, UT, dated XX/XX/2020. The letter referenced Case # XXXX. The letter looked suspicious because : 1. Ive previously been a victim of a professional banking Phishing Scam 2. It was an unsigned Form Letter 3. It was a photocopy of a Form Letter complete with official looking Capital One logos 4. The XXXX XXXX XXXX address on the letterhead was slightly different The letter went on to say that Capital Ones preliminary research showed that no records exist for a client with the name XXXX XXXX residing at XXXX XXXX XXXX XXXX, unit XXXX in XXXX, California. The letter then asked that I provide sensitive information such as Social Security Number, Date of Birth, etc. This request caused me to raise an eyebrow because I know that Capital One has all my personal and sensitive information on file. Ive been a customer of Capital One long enough.
On XX/XX/2020, I replied, via USPS Certified Mail with Receipt Return, to the letter stating that basic identifiers such as my name, civic address and e-mail address should be sufficient to Capital One in determining that Im a customer.
And again, on XX/XX/2020, I followed up via USPS Certified Mail with Receipt Return, with a letter asking to please contact me ASAP via e-mail at XXXX to discuss what steps Capital One has undertaken to lift the block to my three on-line accounts and to re-instate my access.
End Result : 1. I never received an e-mail or letter from Capital One wanting to resolve this problem 2. On XX/XX/2020, I received an e-mail from Capital One stating, Your account access is locked.
XXXX End of Complaint # 1 ***** page 4 of 7 Complaint # 2. Capital One wont process my mailed-in payments sent via U.S. Postal Service Certified Mail and now Im receiving e-mail reminders that my accounts are delinquent As I mentioned in Complaint # 1, Ive been a long-time customer of Capital One and I have always enjoyed the convenience of making on-line payments. Regrettably, as of XX/XX/2020, Capital One has blocked my on-line access to my three credit card accounts and therefore I can no longer make on-line payments.
Since Ive been blocked from making on-line payments to Capital One and so as to maintain my three accounts current, the Capital One website suggests mailing payments to : Capital One Attention : Payment Processing, XXXX XXXX XXXX, XXXX, NC XXXX 1. Paying on-line means I never receive monthly paper statements. On XX/XX/2020, I mailed out two money orders totaling {$260.00}, via USPS Certified Mail with Receipt Return to : Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA XXXX XXXX on XX/XX/2020 at XXXX XXXX. and my payment envelope was delivered to Capital One in XXXX, NC on XX/XX/2020 at XXXX XXXX.
Since I didnt have Capital One paper account statements, the letter I wrote contained my name, civic address and e-mail address in the letterhead as identifiers that Im a customer.
In the letter, I asked that one money order be assigned to one credit card account and to apply the second money order to another credit card account. At the time, one of my payment was due no later than XX/XX/2020 and the other one by no later than XX/XX/2020.
I also mentioned in the letter that Capital One had blocked my on-line access to all three of my credit card accounts and if they could please start sending me paper statements to the address referenced in my letterhead to I can maintain my accounts current.
On XX/XX/2020, I mailed out a letter, via USPS Certified Mail with Receipt Return to : Capital One c/o Payment Investigations, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX. and my letter was delivered to Capital One in XXXX XXXX XXXX, UT on XX/XX/2020 at XXXX XXXX
In the letter, I was inquiring as to the whereabouts of my two credit card payments sent on XX/XX/2020, and as to why they hadnt yet posted. My letter included photocopies of two money order receipts and a copy of the USPS Certified Mail receipt. I asked if they could page 5 of 7 track down my payments and get back to me via e-mail with any information. I never heard back from the Capital One Payment Investigations group from Utah.
On XX/XX/2020, I received an e-mail from Capital One stating, Your credit card payment is past due yet my payment was received at the Capital One office in XXXX, NC on XX/XX/2020 at XXXX XXXX.
2. On XX/XX/2020, I mailed out a money order for {$100.00}, via USPS Certified Mail with Receipt Return to : Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA Post Office on XX/XX/2020 at XXXX XXXX. and my payment envelope was delivered to Capital One in XXXX, NC on XX/XX/2020 at XXXX XXXX.
I mentioned in the letter that Capital One had blocked my on-line access to all three of my credit card accounts and asked if they could please start sending me paper statements to the address referenced in my letterhead so I can maintain my accounts current.
I also referenced my two credit card payments sent on XX/XX/2020 and provided support documents in my letter. And how as of XX/XX/2020, neither of my payments had yet posted and that Capital One had sent me an e-mail stating that Im delinquent in my payments And to please look into the whereabouts of my payments.
***AWESOME NEWS : the {$100.00} payment posted to my account on XXXX *** 3. On XX/XX/2020, I mailed out a money order for {$140.00}, via USPS Certified Mail with Receipt Return to : Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX o Per USPS Tracking Number XXXX, my letter left the XXXX, CA XXXX XXXX on XX/XX/2020 at XXXX XXXX. and my payment envelope was delivered to Capital One in XXXX, NC on XX/XX/2020 at XXXX XXXX.
In the letter, I asked that Capital One starts sending me paper statements via USPS I also inquired about the XX/XX/2020 payments and included support documents I mentioned two e-mails from Capital One stating I was delinquent in my payments I mentioned requesting an update from the Capital One Payment Investigations group in Utah and how I was still waiting for an answer ***** End of Complaint # 2 Whoo! Hoo! ***** page 6 of 7 The intent of this letter to the Consumer Financial Protection Bureau is not intended to be punitive but rather corrective.
Im currently amidst this on-going and incessant problem with Capital One which appears to have no resolve in sight. I didnt make this problem happen Capital One did. I cant believe that not owning a cell phone would cause me such frustration and aggravation.
Capital One Financial Corporations website provides a wide array of contact information to assist customers with general inquiries and problem resolution. Whereas Ive sent at least 10 USPS Certified Mail letters requesting their help and assistance to key Capital One departments which include : Capital One c/o General Correspondence, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX THE CUSTOMER SERVICE ARM OF CAPITAL ONE Capital One c/o Payment Processing, XXXX. XXXX XXXX, XXXX, NC XXXX Capital One c/o Payment Investigations, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX no one within Capital One Financial Corporation has yet bothered to respond to any of my letters or offered any kind of assistance ( Other than a suspicious phishing letter dated XX/XX/XXXX ).
All I get from Capital One are e-mails advising me that my accounts are delinquent despite the fact that theyre not processing the payments Ive already sent. I sense this situation is going to get worse before it gets better. Already, Capital One is trying to tap directly into my checking account to fix their screw-up. And, Im sure Ill be the object of penalty fees and late charge fees followed by a negative Credit Report review and possibly some legal action on their part.
Case in Point : I currently deal with a number of banking institutions and government agencies and I dont need a cell phone to do that. Many of these organizations have a chat option, once youve logged into your account, to assist with updating your records, making address changes, etc. Others send a verification code to your personal e-mail to help confirm your identity. Makes life easy for everybody.
Anyhow, Im reaching out to your organization for some help in a prompt and swift resolve to my problem with Capital One. Anything you can do to assist me on this matter is greatly appreciated BTW, it should not be this difficult to make credit card payments and maintain your accounts current.
Thank you, XXXX XXXX Enclosures : ( 7 ) page 7 of 7 P.S. - If you plug in the various USPS tracking numbers contained in the complaints on the USPS Tracking website, it will provide the complete tracking history of every letter I mailed out to Capital One Enclosures ( under separate coverage ) 1. Capital One e-mail dated XX/XX/2020 Update your mobile number 2. Capital One e-mail dated XX/XX/2020 Choose a 2-step verification method to verify your identity 3. Capital One e-mail dated XX/XX/2020 Case ID # XXXX received, please call 4. Capital One letter dated XX/XX/2020 Suspicious phishing letter 5. Capital One e-mail dated XX/XX/2020 Your account access has been locked 6. Capital One e-mail dated XX/XX/2020 Your credit card payment is past due 7. Capital One letter dated XX/XX/2020 c/o Payment Investigations, XXXX XXXX XXXX, UT
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01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Tx XXXX PROOF OF MAILING BILLING ERROR NOTICE CEASE AND DESIST Certified Mail # REGISTERED AGENT CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX, DE XXXX INDENTURE TRUSTEE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) PROOF OF MAILING 2 ) Affidavit - Billing Error Notice and Cease and Desist 3 ) CAPITAL ONE BILL DUE DATE XX/XX/XXXX {$3500.00} 4 ) CAPITAL ONE REMITTANCE COUPON/DIVIDEND WITH INSTRUMENT {$1100.00}.
5 ) CAPITAL ONE PAYMENT HISTORY XX/XX/XXXX TO PRESENT ( As far as online will allow me to go ) 6 ) Print out of 15 U.S. Code 7006 Definitions 7 ) Print out of 16 C.F.R. 444.1 Definitions 8 ) Print out of 12 C.F.R. 1002.2 Definitions 9 ) Print out of 16 C.F. R 433.3- Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ) XXXX ) Print out of 16 U.S. Code 433.2- Preservation of consumers claims and defenses, unfair or deceptive acts or practices.
11 ) Print out of 18 U.S. Code 1961- Definitions Racketeering activity 12 ) Print out of 18 U.S. Code 1341 Fraud and swindles 13 ) 12 C.F.R 1026.21 Treatment of credit balances 14 ) 15 U.S. Code 1666 - Correction of billing errors 15 ) 18 U.S. Code 8 Obligation or other security of the United States defined 16 ) 31 U.S. Code 3123 Payment of obligations and interest on the public debt 17 ) 15 U.S. Code 1692 e False or misleading representations 18 ) 12 C.F.R. 1026.13 Billing error resolution 19 ) 12 C.F.R. 1002.2 Definitions 20 ) U.C.C. 3-104 NEGOTIABLE INSTRUMENT 21 ) 15 U.S. Code 44 Definitions Commerce AFFIDAVIT BILLING ERROR NOTICE AND CEASE AND DESIST Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent Consumers Name : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX # XXXX XXXX, Tx XXXX Account Ending : XXXX CAPITAL ONE QUICK SILVER Full Account : # XXXX XXXX XXXX XXXX Belief and Reasons : Billing Error Notice and adverse reaction ( closed my account ) CC : REGISTERED AGENT CC : INDENTURE TRUSTEE CC : CAPITAL ONE XXXX XXXX I am sending this billing error notice on account opened around XX/XX/XXXX. I have received billing statement from CAPITAL ONE including fees and monthly interest fees. Interest should not be billed monthly. The funding for my credit card comes from my agreement to open the credit card. My initial promise to pay is the payment for this bill. It is my promissory note. Since XXXX, we are unable to truly pay anything. We create legal tender with our signature, and you have been using my instrument outside of this agreement without my expressed written consent. I have received a bill from you monthly requesting I make a payment using my personal credit card or ACH. I have received several statements including the subject matter of an attempt to collect alleged debt for this account # XXXX XXXX XXXX XXXX. You send me a bill every month which is a dividend but made myself the consumer believe the dividend was an invoice. Please see the supporting codes and laws to support the billing errors on this account # XXXX XXXX XXXX XXXX You closed my account advising activity on this account is not consistent with the expectations for account usage and violates Capital One customer agreement. Then you advised I am STILL responsible for the balance which is incorrect as this was used for personal, family and household expenses.
FEDERAL LAW OVERRIDES YOUR POLICY.
Bill payment due Balance {$3700.00} Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S Code 7006 and 16 CFR 444.1 ( d ) holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX ) and as the agent and administrator in fact.
Pursuant to 16 C.F.R. 433.1 ( b ) I am a consumer, natural person who seeks or acquires goods or services for personal, family or household purposes in accordance with. This account is used for personal, family and household purposes.
Notice, it is a fact, affiant is aware, that CAPITAL ONE is a credit card issuer as defined in 16 C.F.R. 433.1 ( h ) A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Notice, it is a fact that affiant is aware that an account defined under 12 C.F.R. 1002.2 ( a ) means an extension of credit. When employed in relation to this account the word use refers to open end credit.
Notice, it is a fact, affiant is aware in accordance with 16 C.F.R 433.3 CAPITAL ONE is not exempt from any claims as described in 16 C.F.R 433.2 as I, the affiant, may invoke her rights as the debtor in this consumer credit contract against XXXX for unfair and deceptive practices noted herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
Notice it is a fact, that affiant has reason to believe and do so believe, CAPITAL ONE has engaged in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with malice sending dividends but in fact making the consumer believe that dividend was an invoice for services provided by the utilities companies which is embezzlement, theft by deception and extortion.
I affiant, have reason to believe and do so believe CAPITAL ONE is in violation of 18 U.S. Code 1341 by knowingly sending me dividends through the mail leading me to believe it is a bill or debt committing fraud through the U.S. Mail.
Notice it is a fact pursuant to 12 C.F.R 1026.21 When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumers account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumers current location is not known to the creditor and can not be traced through the consumers last known address or telephone number.
Notice it is a fact, affiant is aware CAPITAL ONE may not collect any disputed amount, I the consumer and affiant do not need to pay the creditor, the creditor can not restrict, close account, accelerate payment or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by CAPITAL ONE will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ).
Notice, it is a fact, affiant is aware that CAPITAL ONE must follow the procedures as defined in 15 U.S. Code 1666 ( d ) ( e ) : ( 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to the billing address as listed on the account in question in the form of a check for all past, current and future payments. I would like this account to remain open, open end account zeroed out every month. I, the affiant is aware that with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present and future amounts in dispute pursuant 15 U.S. Code 1666 ( e ) There is no obligation to the consumer because they have been paid by the United States. Notice it is a fact pursuant to 18 U.S. Code 8 Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress and canceled United States stamps.
My debt was already paid for when the United States Congress extinguished gold and silvers is the only tenders of payments. 31 U.S. Code 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. Furthermore, the symbol or character, " $ '', is not defined anywhere in legislation and is therefore a violation of 15 U.S. Code 1692e ( 2 ) ( A ). This company has engaged in unfair, abusive or deceptive trade practices by using advertisement to induce the consumer to enter into an obligation, also known as debt by using oral/written words like invoice, bill, statement.
Pursuant to 12 C.F.R. 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable and ( 2 ) Mail or deliver a correction notice to the consumer. This refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report any late payments in accordance with regulations of the Bureau. This account should be changed to reflect an open end account.
and do so believe that the credit agreement is a consumer contract as described in 16 C.F.R 433.1 ( i ). Under U.C.C 3-104 ( a ) an instrument is a negotiable and unconditional promise to pay. You have been using my instrument to profit without my written consent.
To clarify and address the subject matter contained in billing statements, I the affiant, am invoking my right to obtain the documentary evidence, in accordance with 15 U.S Code 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I am requesting both journal and credits of account and ledger of debits of account to verify the current accounting and taxes associated with this account. This includes all documents, papers, correspondence, source of funding documents, books of account, financial and corporate records.
Pursuant to 12 C.F.R. 1002.9 ( b ) ( 2 ) and 15 U.S. Code 1681a ( k ) affiant is aware you are unable to deny credit due to credit score. This is adverse action and violates consumer rights as well as Equal Credit Opportunity.
Prohibited Practices 12 C.F.R. 1002.4 Regulation B contains 2 comprehensive prohibitions against discriminatory practices : 1 ) A creditor shall not discriminate against an applicant on a prohibited basis regarding aspect of a credit transaction.
2 ) A creditor shall not make any oral or written statement, in advertising or otherwise applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application.
A creditor may not advertise its credit services and practices in ways that would tend to encourage some types of borrowers and discourage others on a prohibited basis. In additional a creditor may not use prescreening tactics likely to discourage potential applicants on a prohibited basis. Instructions to loan officers or brokers to use scripts, rate quotes, or other means to discourage applicants from applying for credit prohibited basis are also prohibited.
I read all of your privacy policies and it says you gather information from third party sources to make determinations about me, my credit determination, and my account along sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal, but its violating my rights Pursuant to 18 U.S. Code 1028A - Aggravated identity theft. ( Exhibit J ) The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about me spending habits and as a result you charged be higher interest rates and that is illegal.
All of the above are examples of fraud, false misrepresentation, conversion, XXXX, breach of contract, and collusion is pursuant to 18 U.S. Code 1341 - Frauds and swindles is the appropriate statute. You closed my account without my knowledge and without my permission and reported negative adverse action to the credit bureau. This account is used for personal and household expenses. Closing my account is adverse reaction and discrimination. I demand my account be opened and no negative reporting.
You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by CAPITAL ONE herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully.
This was sent certified to all listed in this affidavit and notarized XXXX Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc.
I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it.
____________________________________________________ XXXX XXXX, consumer/natural person Sworn to or Affirmed by and subscribed before me on the _________day of_______ year XXXX _____________________________________ Notary Name _____________________________________ Notary Seal : Notary Signature :
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01/03/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear Sir/Madam, After performing diligent search for verification of information gleaned from the World Wide Web, the below has been found. All information herein or herewith is drawn from sources, as cited, of integrity. Verification comes from statements issued by The United States, STATE of California, their regulatory agencies and manuals ; and from government and private instrumentalities. With those sources in mind certain conclusions appear which ARE stated as personal legal determinations. Further, your duty to produce documents is required by law. You will find certain forms referenced herein or herewith showing the final basis for the conclusions. The request for assistance is based on mistakes. Being that mistakes on both sides of the contracts, or, presumptive contracts, more likely are apparent. It is believed that working together will solve the issues herein and herewith. Therefore, it is formally requested that assistance be provided by Sir/Madam of XXXX XXXX XXXX XXXX and all its agents or employees in closing the matters timely and quickly. Appendix A is the OVERVIEW of what we discovered that the bank has done with the NOTE, that the fact is the NOTE is our promise to pay, XXXX XXXX XXXX XXXX hereafter referred to as the Alleged Bank/Lender ( s ) /Servicer ( s ), has monetized our NOTE and turned it into a cash item, and used the Deed of Trust as security for the NOTE. As a result, the Alleged Bank/Lender ( s ) /Servicer ( s ) did not loan its own assets, it loaned credit, a FRAUD, FRAUD IN THE INDUCEMENT, FAILURE OF CONSIDERATION, CONSTRUCTIVE FRAUD, done in CONSPIRACY, an utterly void and without value transaction. All of this is supported and shown by escrow documents as detailed under Appendix B. Appendix C will show the core issue that there is no contract with the Alleged Bank/Lender ( s ) /Servicer ( s ), and will also show the reasons that there is no standing or capacity for the Alleged Bank/Lender ( s ) /Servicer ( s ) ; which leads to our conclusion that the Alleged Bank/Lender ( s ) /Servicer ( s ) has no entitlement, no legal protections without the production of the contract exhibiting all the necessary requirements of a contract by operation of law. No contract, no standing. No standing, no claim. No claim, no defense. If at any time you find error in this presentment, it is formally, under contract and trust terms, requested that statement exposing such be disclosed. As a layman at law, the legal determinations herein are of a personal, private nature and Alleged Bank/Lender ( s ) /Servicer ( s ) is required to hold this privacy unless consent is given to disclose this instrument to any one. As these matters are very, very, serious for all parties, it is believed cooperation in closing out the issues is paramount. This letter is our act of good faith to correct mistakes. This letter offers release for what could be found to be illegal acts. This letter provides opportunity for all parties to mortgage # XXXX ( XXXX XXXX XXXX XXXX ) and # XXXX ( CAPITAL ONE, N.A. ) to be made whole. Failure by Alleged Bank/Lender ( s ) /Servicer ( s ) to act will be recorded as fact showing intent to deceive, fraud, conversion and other felonies by bank officers. This is simply because the corporation, Alleged Bank/Lender ( s ) /Servicer ( s ) is incapable of felony as it is merely a piece of paper. SYNOPSIS We made mistakes in relying on certain acts by Sir/Madam and XXXX XXXX XXXX XXXX Our reliance was done in contact with professionals operating the mortgage/bank systems. In short, our reliance was induced under professional standard, in our expectation of good faith and clean hands. Since we discovered these errors, a choice to believe said errors are founded on mistakes is foundational for this instrument. In the event Sir/Madam of XXXX XXXX XXXX XXXX chooses to assist in correction of these mistakes, the following will make us whole and exhibit clean hands by XXXX XXXX XXXX XXXX 1. The Deed of Trust is cleared of any claim by XXXX XXXX XXXX XXXX with the transfer of clean title back to XXXX XXXX XXXX and XXXX XXXX XXXX. 2. The cash/current funds expended during purchase of XXXX XXXX XXXX XXXX, California, XXXX including of all outlays and payments is to be reimbursed by XXXX XXXX XXXX XXXX. 3. We will issue a new XXXX OID for the full value of the purchase price and all expenses in favor of XXXX XXXX XXXX XXXX with a new XXXX XXXX abandoning those funds to XXXX XXXX XXXX XXXX ( Or, in the alternative, issue release of those funds via letter of instruction. ) 4. The parties agree to hold the other harmless for all acts and omissions prior or future ; unless new evidence of a compelling nature is disclosed. It is believed these four ( 4 ) items will make both parties whole in an open transparent manner which corrects all mistakes by any party. Counter presentments are welcome so long as both parties are closed as to liabilities. Again, please advise us if there is anything incorrect or unfair in what is stated herein. Be advised that in the event these issues are not settled in a reasonable amount of time, seven ( 7 ) days seems appropriate, we will take all appropriate action. In contemplation of corruption of these issues and to prevent abuse of process, this instrument is placed in a time vault, on the World Wide Web ready for massive dissemination. We look forward to resolving the exposed mistakes timely and quickly. Done this XXXX XXXX XXXX XXXX 2018, as stated under pains and penalties of perjury under the laws of the United States of America and the State of California. Appendix A OVERVIEW 1. NOTE is our promise to pay at a future time, labor backing both the NOTE and all current funds circulating as currency. 2. Monetizing or securitizing the NOTE turns it into a cash item. 3. Deed of Trust is security for the NOTE. Trust law reverses rules of evidence, Trustee must prove good faith, full disclosure and proper procedures for operations. 4. Escrow is the transfer point between seller, buyer, Title Company, so called lender, where the NOTE is exchanged for deed. 5. Alleged Bank/Lender ( s ) /Servicer ( s ), issued check to escrow under internal request procedure. At time of issuing audits will expose that there is no evidence verifying : a ) source of money ; b ) owned by bank ; c ) at time, or later, of issuing check, all of which is available as proof via public records of corporation. 6. Alleged Bank/Lender ( s ) /Servicer ( s ) issued NSF ( non-sufficient funds ) check. 7. Alleged Bank/Lender ( s ) /Servicer ( s ) never possessed the NOTE until after transfer between seller and buyer, deed for check. 8. Deed of Trust executed at closing of escrow is security for the NOTE. 9. Alleged Bank/Lender ( s ) /Servicer ( s ) later records as sent, NOTE to offset the liability of check. 10. Alleged Bank/Lender ( s ) /Servicer ( s ) records, audited statement, shows conclusively that Alleged Bank/Lender ( s ) /Servicer ( s ), loaned credit, buyers credit, which took place at escrow closing. 11. Alleged Bank/Lender ( s ) /Servicer ( s ) did not loan its own assets, it loaned credit, not even theirs, an ultra vires act, illegal under law and regulating authorities. A FRAUD, FRAUD IN THE INDUCEMENT, FAILURE OF CONSIDERATION, CONSTRUCTIVE FRAUD, done in CONSPIRACY, ISSUE A FRAUDULENT SECURITY, an utterly void and without value transaction. 12. Transfer of Title to registry systems or second servicer is fraudulent. 13. Bank claims abandoned funds after three ( 3 ) years. This is double payment and never disclosed. 14. Deed of Trust is fraudulent, resulting in defective Title, unmarketable title. Appendix B Each of these statements is shown by escrow documents. The Alleged Bank/Lender ( s ) /Servicer ( s ), or so called lenders acts are shown as follows : 1. Balance sheet relating to the original loan, shows ledgering of the account as required to be reported and open knowledge under 12 USC 242, 347 and proved by XXXX reports available from IRS. 2. The 424 B-5 prospect reports shows filing facts concerning the security issued under the note and Deed of Trust without reporting bases of the derivative. 3. Securities and Exchange Commission Reports S 3 A shows the sale of the note and form of item sold. 4. FASB ( Financial Accounting Standards Board ) forms 125, 133, 140, 5, 95 guides an auditor to the liability side of the banks books, exposing exactly where the money came from and shows where it went and under what procedure and instrument. 5. The NOTE as negotiable instrument falls under UCC. 6. There is never a receipt given for the deposit of value. 7. 12 USC 1813 ( L ) ( I ) discloses that deposit of a promissory note is cash to the Alleged Bank/Lender ( s ) /Servicer ( s ). The Alleged Bank/Lender ( s ) /Servicer ( s ) s cash is our cash, not the Alleged Bank/Lender ( s ) /Servicer ( s ) ; the proof is the bogus loan paper. 8. There was never a receipt issued for the cash deposit. 9. The notes transferred at a transaction account creates an asset on the payable side of the ledger ; while on the liability side of the ledger, the NOTE issued by the presumed buyer/borrower is sold after monetizing. 10. First funds transfer or hold absolute right to the NOTE or cash equivalent. 11. XXXX OID identifies the principal issuer. Deed of trust is required to be registered as evidence of debt. Notes are not so required. Sale of unregistered security sets up right of rescission as a property right absolute. Conclusion based on evidence publicly available is that the transaction between buyer and Alleged Bank/Lender ( s ) /Servicer ( s ) is a fraud. The mistake may have resulted from standard practice, procedures, application on part of Alleged Bank/Lender ( s ) /Servicer ( s ) or, it may not. In either instance the predicate facts are result in the issues herein. Appendix C In Appendix B, we discovered that the whole mortgage was a fraud from the beginning. Webelieve Wehave discovered the core issue is that there is no contract with the bank, there is no standing or capacity for the Alleged Bank/Lender ( s ) /Servicer ( s ), its agents and its servicers because : 1. We have no contract with the Alleged Bank/Lender ( s ) /Servicer ( s ). 2. The Alleged Bank/Lender ( s ) /Servicer ( s ) never placed on the files of this matter its corporate delegation, or its minutes authorizing to entry into a contract with us. 3. There is no officer identified with corporate authority attached or corporate authority to engage a contract with us. 4. The corporate charter for Alleged Bank/Lender ( s ) /Servicer ( s ) does not authorize its taking of our note to fund a Alleged Bank/Lender ( s ) /Servicer ( s ) s liability, escrow check, exchanged for issuers, our note, obligation to pay at close of escrow on specific time line. 5. The Alleged Bank/Lender ( s ) /Servicer ( s ) issued a NSF ( non-sufficient funds ) check to escrow prior to having possession of the assets, NOTE issued by us. 6. The Alleged Bank/Lender ( s ) /Servicer ( s ) s charter, state law and federal law do not authorize Alleged Bank/Lender ( s ) /Servicer ( s ) to lend credit, no matter the source of the credit. 7. The Alleged Bank/Lender ( s ) /Servicer ( s ) s charter limits the Alleged Bank/Lender ( s ) /Servicer ( s ) to specific acts ; all acts outside its legal or corporate authority being ultra vires, of no effect, utterly void. In this matter, the payments made by us to the Alleged Bank/Lender ( s ) /Servicer ( s ) were induced under fraud, the illegal acts above, which voids any claim by Alleged Bank/Lender ( s ) /Servicer ( s ). The creation of debt by lenders, the Deed of Trust and Promissory Note, payment of or agreement to pay money to the debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), or to a third party for account of debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), is not a contract. Assumption of contract being in place for collection process requires that the contract be produced ; it is never produced because there is no contract. The creation of debt by a credit to an account with the lender, Deed of Trust and Promissory Note, upon which the debtor, the Alleged Bank/Lender ( s ) /Servicer ( s ), is entitled to draw immediately such as the NSF check exchange for the NOTE, does not create a contract nor obligation. Failure by Alleged Bank/Lender ( s ) /Servicer ( s ) to produce bona fide contract is admission to inducement to part with valuable consideration in exchange for nothing but a different instrument. None the less, the only value issued is by us, which is able to be shown through Alleged Bank/Lender ( s ) /Servicer ( s ) documents which are public record, audits and corporate reports. We will, if needed, subpoena the records mentioned above in order to prove the points herein. The Alleged Bank/Lender ( s ) /Servicer ( s ) appears to have failed : to operate under these legal principals, covered by, UCC , the laws governing consumer credit and usury, the providing of rate ceilings to assure adequate supply of credit to consumers ; to educate consumers for understanding the terms of credit transactions ; to keep so called lenders honest through competition for credit at reasonable cost ; to protect so called consumers against illegal acts ; to keep fair and sound consumer credit practices ; to comply with FEDERAL TRUTH IN LENDING ACT ; and to equalize all jurisdictions. Consumers in the above context are XXXX XXXX XXXX and XXXX XXXX XXXX. In reality the Alleged Bank/Lender ( s ) /Servicer ( s ), XXXX XXXX XXXX XXXX is the consumer of our credit, who issued that product, the NOTE, promise to pay, representing labor as the source of value. The Alleged Bank/Lender ( s ) /Servicer ( s ) did not provide the goods, the NOTE or the labor backing it, did not manufacture the credit represented by the NOTE. None the less, the user of the product, the NOTE representing real value, labor is the buyer of the NOTE through a fraudulent inducement as outlined above, which is the Alleged Bank/Lender ( s ) /Servicer ( s ). The Alleged Bank/Lender ( s ) /Servicer ( s ) as outlined herein has no entitlement, no legal protections without production of the contract exhibiting all the necessary requirements of a contract by operation of law. No contract, no standing. No standing, no claim. No claim, no defense.
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09/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Method : Credit/Debit Card I purchase several items from an online store on XX/XX/2022 from XXXX ( XXXX XXXX ) upon receiving the the first shipment with only two items of the XXXX XX/XX/2022 items 30 days after purchase. One item the zipper was broke, the other item was ill fitting made incorrectly. I reached out to the merchant in regards to return. I then asked since the main reason of me ordering from this site is for the outfit that the zipper was broken for a specials occasion that following weekend. I would like to cancel my remaining order and asked for the return address to return the returning qualify order. This communication with them is via - their website on chat there is no number to contact them. I reach out to them on XX/XX/2022 and they refused to give me a return address to send the items, nor provided a return label with the purchase items. They asked for clear pictures which was sent. ( note each time I send a message it takes them the following day to respond. They then offer me coupons for my next purchase and a refund of 10 % then 20 % of the items. I decline this offer for I didn't need the items I needed my full refund of those items that was not usable and qualify of their return policy. with much back and fourth with them. I contacted my credit card CAPITAL ONE. I provided my statement of all the items in question which was about 11 items of the 22 items purchase. of course they went to the merchant and their response was the return policy of 14 days, which by now I'm still going back and fourth with them on just getting an address to return the items all together. After now XX/XX/2022 I'm disputing with Capital one and have provided support as request of the items. Now the merchant states they want refund me because I have an open case with the bank and the bank want refund me because I have a dispute with the merchant. I've now paid to send back the items. So I don't have the items, nor my money and the credit card is paid in full.
As for Capital one they asked for items, prices, commutation with the merchant, pics, I've provided all the above and now their telling me I need to contact another business and get a company letter head from them for a second opinion and now the case has been closed on their end and they might look at it again if i provided this second opinion. but I need to contact the merchant and the merchant says i need to contact the bank.
Capital one then asked me to provided the receipt of the returning the items, this too is not satisfying to them. They keep referring the merchant return policy for they mention the items that are not refundable such as a swimsuit and jewelry. I informed them I didn't return any jewelry and them items I'm returning are, dress, shorts set for my vacation that by now is no longer needed for it took over 30 days to received the packages, so why would l not qualify for a refund either from the merchant or the bank I'm asking them why i can't get a refund of the items that quality for return rather it was because it was no longer needed, unusable, or plain i just don't want them. I provided everything they have asked and they are there to protect me and my purchase when I've done and followed everyone instruction. they told me the case is closed and and good luck with the merchant.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} {$110.00} I'm expecting the following refund of a total purchase out of {$350.00} The chat communication with the merchant below Received a defected item The shorts zipper broken, and to small the jacket is extremely to big. disappointment the only reason why I order from this site is to get this one outfit for my bday,.
XX/XX/2022 XXXX I've only received two items out of the order. doesn't work for me, I want to cancel the entire order that I have yet to receive and return the two items I have .. highly disappointed in the product XX/XX/2022 XXXX Hello, I verified that it has been shipped on XXXX, the tracking number is XXXX, you can click the link below to check the logistics : XXXX XXXX XXXXusps.comXXXXXXXX XXXX The shipping time is XXXX working days, not including weekends, because this is an international transportation, the logistics information sometimes can not be updated in time, but don't worry, your package is still in normal transit. we can not cancel it now.
In order to further assist you, Could you please send us clear pictures of the item in question? Once we receive the photos, We will give you a reasonable solution Thanks for your support and understanding.
Have a nice day.
Customer Service XXXX XX/XX/2022 XXXX Hello, on the two items that I did received, please advise on how I can return those items. The pink outfit the zipper gets stuck, unable to take a picture of this issue as well it doesn't fit. the second item doesn't fit as well. I would like to start the process of return or do you want me to wait on the other items for as of today I have yet to receive?
XX/XX/2022 XXXX Hello, Best to provide pictures.
You can wait for the order to arrive and apply for after-sales together customer service XXXX XX/XX/2022 XXXX I've received my second package and I will like to start the process of return several items. there is no return tag please give assistance on what it is needed to return these items. also my bag was partial open upon receipt of the items. per my list one items was not received ..the one shoulder tropical print cutout romper XX/XX/2022 XXXX Hello, Sorry to bring you a bad shopping experience.
Could you kindly please send us clear pictures of the label on outside packing, so that we can verify your problem as soon as possible? By the way, please advise me if the package was damaged when you received it.
Once we receive the photos, We will give you a reasonable solution.
Hope you can understand.
Customer Service XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX please provide return information for the items I want to return that don't fit refund for the items i didn't receive.
XX/XX/2022 XXXX Hello, We are sorry that our products are not satisfactory to you.
Can you tell us the XXXX XXXX XXXX XXXX XXXX or the name of the product you want to return, and the reason after receiving the message, we will provide you with a solution immediately, look forward to your reply.
Have a nice day.
Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello We are so sorry for this condition.We are willing to compensate you for a 10 % refund of the price of your itemand and you do not need to return them back What do you think?
Waiting for your reply.
XXXX XX/XX/2022 XXXX I can not fit at all 50 % of the items., I don't need nor want the items i have I want my refund of all the items I do not need to keep anything I can't wear. So the answer is no thank you .. 10 % is not even a facture of what is owed to me XX/XX/2022 XXXX XXXX, XXXX XXXX do not support return Is a XXXX XXXX XXXX for the item does not support return and 20 % refund for the rest acceptable as a compensation for you to keep the item ( s )?
And please show us a photo of the outer packing and a photo of every item you received Thanks a lot Have a nice day Customer Service Ray XX/XX/2022 XXXX this is unacceptable. I will not negotiate or bargain with items that I paid full price for and it doesn't meet up or quality standard. Please provide full refund of all my items I no longer want anything. I've already provided pics of the pacakage, I will not be providing pics of items for I don't agree with the terms of 8 coupon that I will never used and now a 20 % refund. Please give me my entire refund of all items XX/XX/2022 XXXX Hello, We can give you 20 % refund of items support return, will you accept?
Customer Service XXXX XX/XX/2022 XXXX I DO NOT WANT A 20 % DISCOUNT OF ITEMS I CAN'T WEAR OF ITEMS I DIDN'T RECEIVE. OF ITEMS i NO LONGER WANT AT ALL BECAUSE OF YOUR TERRIBLE CUSTOMERS. I WANT A RETURN LABEL FOR ALL ITEMS i NO LONGER WANT YOUR PRODUCTS.
YOU HAVE TOLD MY CREDIT CARD COMPANY THAT THE ITEMS ARE AS DESCRIBE WHICH IS NOT THEY ARE ILL FITTING.. I DO NOT WANT A PERCENTAGE OF MY REFUND I WANT MY ENTIRE MONEY BACK FOR i CAN'T AND DONT WANT TO WEAR THESE BAD FITTING ITEMS i DON'T WANT TO KEEP THESE ITEMS AND ONLY RECEIVED 20 %.. I WANT 100 % OF MY FUNDS AND A RETURN LABLE TO SEND THIS XXXX XX/XX/2022 XXXX Hello, You may return the products within 5 days ( from the date you receive the address ) our mailing address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Please note : * Item ( s ) must be in their original condition. All returned or exchanged items must be unwashed, unworn, and undamaged, with all tags attached, and also free of stains, makeup, or deodorant.
* As per our return policy, customers are responsible for return shipping fee.
* We are not liable for any return packages that become lost or stolen in-transit.
After shipping the items back, please send us the photo of the receipt from the shipping company indicating the weight of the package and the tracking number.
Once we check the receipt has been delivered, we will arrange for a refund Have a nice day.
Customer Service XXXX XX/XX/2022 XXXX why are you now giving me the shipping information along with telling me I have 5 days Hello, You may return the products within 5 days ( from the date you receive the address ) AS YOU AWARE OF IT'S pass that time frame. Are you now willing to give me a full refund. all all the return items, which is not mention. Also what about the item I didn't received at all, which i provided pictures of the open packages, please advise when will i get a refund for that item, i paid for the insurance to ensure my package, but yet you have given me nor mention the issue of the non receipt of the item i didn't received... I've been asking you for return label since XX/XX/XXXX, its XX/XX/XXXX, please advise and confirmed that once I ship these items I will get my refund for it is now pass the time you mention in ( ) Also note non of your items have tags on them, they all came in a zip lock bag, balled up or flat. please advise on what is mention above, XX/XX/2022 XXXX again, arrange for a refund at what % please give information.
also where is my refund for the item I didn't received at all.
XX/XX/2022 XXXX i WILL BE RETURN THE FOLLOWING ITEMS : WITH THE REQUEST OF TOTAL REFUND 100 % BACK TO MY CREDIT THAT IS ON FILE : {$180.00} XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX **sent pictures of the items in question** XX/XX/2022 XXXX Hi please note that the item XXXX do not support return you can send back items to the address we sent to you XXXX XX/XX/2022 XXXX Please advise on when I will be receiving my refund items have return on the XXXX of XXXX VIA USPS XXXX XXXX XXXX XXXX XXXX XXXX Hello, Please send us the picture of the receipt, Customer Service XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Hello, Can you contact the bank to inquire about how many days will they process your dispute? As even you have contacted them to close the dispute, it almost take them over a month to get this solved totally, We need a specific date of that. In that case, we can refund you, otherwise the refund will be rejected.
Thanks for your support and understanding.
Have a nice day.
Customer Service XXXX XX/XX/2022 XXXX excuse me why do i need to contact the bank if you provide a refund to me as I've done everything you asked to get i will not need to contact the bank, we're both waiting on you.. please give me my refund as you stated its been two months of back and fourth with you give me my money.. i've done what you asked and you keep coming up with excuses not to give me my funds. Now you have the items and still want give me my refund XX/XX/2022 XXXX it's resolve with the bank .. we are both waiting on you response please give me my funds back asap XX/XX/2022 XXXX Hello, Because you open the dispute before, we can not apply for the refund now, Customer Service XXXX XX/XX/2022 XXXX are you freaking kidding me so with all this ship send pictures of shipping was for what? if you going to deny me refund after receiving your items back and still not refunding me my coins..
XX/XX/2022 XXXX as stated before the dispute is closed with my cc once i return the items, please provide my entire refund of the list of items that was not up to quality and i return for full value XX/XX/2022 XXXX Hello, As even you have contacted them to close the dispute, it almost take them over a month to get this solved totally, We need a specific date of that. In that case, we can refund you, otherwise the refund will be rejected.
Customer Service XXXX XX/XX/2022 XXXX The bank has closed the dispute and it's closed as of XX/XX/2022. please provide me with the refund that is due to me for the items that has been sent back Expected response timeWithin 24h
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07/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Claim Number : # XXXX for Checking account ending in XXXX On XXXX, I scheduled brake services with a company called XX/XX/XXXXfor a fee of {$150.00} using my checking account ending XXXX. It was discovered thatXX/XX/XXXXinstalled new front brake pads on top of the warped rotor. After the mechanic left, he sent me a duplicate quote for {$290.00} ( see attached ) as I already paid {$150.00} ( see attached ) for the same front brake service adding new front rotor repairs knowingly that the front rotors were already warped to enrich himself? Why the mechanic will install new front brake pads on top of a warped rotor wasting money {$150.00}? After I drove my car and experience loud noises and a burning smell, XXXX XXXX refuses to repair, diagnose, or honor their own warranty to repair my front brakes ( see attached ). XX/XX/XXXX also refuses to give me a refund for {$150.00} ( see attached ).
Capital one card dispute service sent me several requests to send them an inspection report from another mechanic. I sent Capital one card services an inspection report from another car mechanic shop called XXXX XXXX ( see attached ). Also, XXXX and XXXX, Capital one card dispute service supervisors request that I send an inspection report, I would receive {$150.00} however Capital one return the funds back to XX/XX/XXXX XX/XX/XXXXbased on false evidence. Even though I complied with Capital one card services request and sent the inspection report and Capital one returns my funds of {$150.00} to XX/XX/XXXX.
On XXXX, Claim Number : # XXXX I was sent an email from Capital one card dispute team that they reverse the decision of {$150.00} refund request to the merchant XX/XX/XXXX. I called and spoke with XXXX, Capital one card service supervisor ( reference no # XXXX ) and she read why Capital one card disputes favored XX/XX/XXXXc for the return of {$150.00} which I am disputing it. She read that I refused to get a diagnostic from XX/XX/XXXX which is a total fabrication. I sent Capital one and XX/XX/XXXX all evidence of email communication that I tried to schedule a repair, warranty, and diagnostic however, XX/XX/XXXXrefuse to respond ( see attached ).
It is my belief that Capital one card services is unfair and bias because they refused to review all the facts in the case. In addition, I filed a complaint against Capital one regarding another transaction with the Consumer Finance Protection Bureau.
As Capital one card dispute services would send me their decisions by email on the same day, however, they refused ; stating they will send it within 3 to 5 days ( see attached ). I sent Capital one card services proof on XXXX that I requested XXXX XXXX to come to my home to diagnose and repair my brakes on several attempts however XXXX XXXX refused. I filed a stop payment with Capital one bank card services on XXXX XXXX, XXXX ( see attached ).
CAPITAL ONE BANK The first claim XXXX - On XXXX XXXXXXXX XXXX XX/XX/XXXX the merchant on XXXX who refuse to give me a refund for {$150.00}. XX/XX/XXXX refuses to repair, diagnose, or honor their warranty to repair my front brakes after XX/XX/XXXX install brake pads on a warped rotor ( see attached XX/XX/XXXX inspection report ).
A copy of XX/XX/XXXX inspection report indicates a warped front rotor ( see attached ) by the mechanic XXXX. I sent a request on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX refuse to respond. Then I called XX/XX/XXXX XXXX customer service who hung up the phone on me and I also sent emails ( see attached ).
XX/XX/XXXX XXXX was uncooperative to honor their warranty or refund {$150.00}.
XX/XX/XXXX wanted to charge me for a diagnostic which is against the warranty policy {$89.00} ( see attached ). After I spoke to them about the charge, XXXX XXXX refuses to send a mechanic to my home to inspect, diagnose, or repair my brakes ( see attached ). In addition, refuse to communicate or schedule me a date therefore I should keep a refund of {$150.00}.
INSPECTION REQUEST FROM CAPITAL ONE BANK I received the corresponding request from Capital one card services regarding to claim number XXXX on card ending XXXX on XX/XX/XXXX Capital one Card Services requested - The reason you are due a credit - A statement detailing how the service was not as described - The true nature of your dispute Then on XXXX XXXXXXXX XXXX Capital one Card Services requested - A letter specifically addressing the merchant 's claims and your reasons for continuing with the dispute - A letter ( on company letterhead ) from a third party who specializes in the same services stating the service you received was incomplete or did not fix the problem ( see attached ) XXXX XXXXXXXX XXXX Capital one Card Services requested - A letter ( on company letterhead ) from a third party who specializes in the same services stating the service you received was incomplete or did not fix the problem ( see attached inspection ) XXXX, a Capital one card supervisor granted extra time for the inspection report. My car was in the shop on XXXX/XXXXXXXX to repair the back brakes, I could not drive my car. Capital one card services decided on XXXX favoring XX/XX/XXXXXXXX, the merchant for the dispute {$150.00}. I called and spoke to another card service supervisor name XXXX, who poorly spoke about her co-worker and punished me for listening to XXXX. As I am the customer who does not know the Capital one policy, I find it disturbing that I would be blamed for XXXX decisions or actions. She told me that I had to refile and turn in an inspection report. I turn in the inspection report on XX/XX/XXXX, at Capital one card services request.
On XXXXXXXX, I filed a dispute against XX/XX/XXXX XXXX. I sent Capital one card dispute evidence on XXXX XXXXXXXX XXXX that I requested XXXX XXXX to come repair, inspect, and filed warranty claim ( see attached ) to repair my brakes which XXXX XXXX refused. XXXX XXXX also refused to answer my emails and phone calls on XXXX XXXX, XX/XX/2020 to inspect and repair my brakes ( see attached ) as I continue to beg XXXX XXXX to repair the front brake installation. In addition, XXXX XXXX wanted to charge me {$89.00} which was not included in the warranty, the warranty states no charge for repairs.
XXXX XXXX COMMUNICATING WITH XX/XX/XXXX is stating one thing to Capital one bank and stating another with XX/XX/XXXX being dishonest.
On XX/XX/XXXX Website Case # XXXX on XX/XX/XXXX XX/XX/XXXX made a statement that my claim was on file and to contact them to make an appointment for diagnostic. I called and sent an email to XX/XX/XXXX XXXX who refused to come out or respond ( see attached ) to the emails dated XXXX/XXXXXXXX XXXX, and XXXX.
On XXXX XX/XX/XXXXwebsite CASE # : XXXX XX/XX/XXXXadmitted to them that they had to restrict their policies. XX/XX/XXXX states that they are abiding by the consumer 's financial bank claim for a refund of {$150.00} ( see attached ). Therefore,XX/XX/XXXX has forbidden the diagnostic request due to my filing a claim with my bank on XX/XX/XXXX
On XX/XX/XXXX XX/XX/XXXX statement on XX/XX/XXXXwebsite ( see attached ) : We appreciate the consumer 's continued correspondence and patience. Upon review of the consumer 's account, the consumer has filed a dispute with their financial institution. When a dispute is filed, our policy is to deflect to the decision of the financial institution, given that they review the evidence provided by the consumer and our dispute resolution team. Moreover, when a dispute is opened on behalf of a consumer, we are unable to make adjustments or refunds while the dispute is reviewed ; the ultimate decision will be made by the consumer 's financial institution on whether the assessed charges are valid. We will continue to work with the consumer 's bank ( See attached ) XX/XX/XXXX refuse diagnostic, warranty, and/ or a refund on XXXX/XXXX/XXXX on the XX/XX/XXXX website.
On XX/XX/XXXX case # XXXX website on XXXX/XXXXXXXX XX/XX/XXXX made such statement : that they have a policy to a consumer, on multiple occasions, and we respectfully reiterate that, upon review of the consumer 's account, the consumer has filed a dispute with their financial institution. When a dispute is filed, our policy is to deflect to the decision of the financial institution, given that they review the evidence provided by the consumer and our dispute resolution team. Moreover, when a dispute is opened on behalf of a consumer, we are unable to make adjustments or refunds while the dispute is reviewed ; the ultimate decision will be made by the consumer 's financial institution on whether the assessed charges are valid. The appropriate colleague ( s ) will continue to work with the consumer 's bank. It is important to note that this is a policy that is applicable to all consumers and is not personal. In fact, we have no ability to override the lock on consumer funds once a dispute is opened. ( See attached ) XXXX XXXX refuses diagnostic, warranty, and/ or a refund also on the XX/XX/XXXX on the XX/XX/XXXX website.
I sent several warranty claims to XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XX/XX/ XXXX, and XX/XX/XXXXXXXX refused to answer my emails. It states on their website to make warranty claims you can send an email to XXXX ( see attached ).
Again, on XXXX/XXXXXXXX, I was sent an email from Capital one card dispute team about the reverse decision of a {$150.00} refund request from the merchantXX/XX/XXXX XXXX. I called and spoke with XXXX, Capital one card service supervisor ( reference no # XXXX ) and she read why Capital one card disputes favoredXX/XX/XXXXXXXX for the return of {$150.00} which I am disputing it. She read that I failed to get a diagnostic from XX/XX/XXXX which is a total fabrication.
I turn in an inspection report on XX/XX/XXXX ( see attached ) to Capital one card services at their several extreme requests. However, on XX/XX/XXXX they favored XX/XX/XXXX, the merchant. I was told because I refused diagnostic testing from XX/XX/XXXX which is not true. I sent Capital one card services that XX/XX/XXXX XX/XX/XXXX refused to schedule or communicate for diagnostic or grant me a refund ( see attached ).
I filed a dispute with my bank Capital one on XXXXXXXX and I sent Capital one card services the XXXX XXXX inspection report as they requested, I sent them XX/XX/XXXX communications to demonstrate that XX/XX/XXXX is dishonest and restricted their own policy refusing me diagnostic, refunds and honoring the warranty.
XX/XX/XXXXdecided to lie to Capital one bank andXX/XX/XXXXwith different stories to change their policies and admitted it. However, while I am asking for a diagnostic and warranty withXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX is telling XX/XX/XXXX that they can not adjust or refunds because I file a claim with my bank, Capital one bank. XXXX XXXX is being dishonest.
Capital one dispute rules are inconsistent depending on how they feel : Then Capital one card services supervisors XXXX, card services granted me time for a car inspection report and then the other card service supervisor XXXX was angry with the other supervisor 's decision and closed the case. Her decision was unfair to me as a customer was unprofessional. Then the Capital one escalation department never return a call to me. On XXXX, I spoke to XXXX, the card service supervisor who read the decision refuse to allow me to speak to someone about decision and how I can dispute it.
I had another dispute pending # XXXX XXXX {$27.00}, I was given a provisional credit. However, it was resolved within 7 days and Capital one card services gave me my money back even though I inform them I receive the lost items. I find Capital one card services bias, unfair and discriminatory. Then there was another dispute Claim # XXXX for {$130.00} for another lost item. They gave me a provisional credit. I called Capital one card services and reported that the item was finally delivered, and they return the money back {$130.00}.
Capital one credit services rules are inconsistent. I find that they are biased with their rules depending on the customer. XXXX it was 4 months long and Capital one bank supervisors lied to me regarding the inspection report the refund {$150.00} will be returned to me. I reported to them that XX/XX/XXXXXXXX failed the diagnostic, return, or repair the brakes and provided evidence and proof.
Capital One Bank rules should be disclosed not to be withheld from customers. I got the inspection report as they requested and then Capital one bank however Capital one returned the money back to XX/XX/XXXX even though the merchant lied that I did not want diagnostic and disclosed the lie in public to XX/XX/XXXX XX/XX/XXXX website. I proved that XX/XX/XXXX did fabricate about the diagnostic because of my evidence and what XXXX XXXX told XX/XX/XXXX
I had proven that XXXX XXXX neglected me as a customer, and I should keep the XXXX refunds as XX/XX/XXXXXX/XX/XXXX inspection report disclosed that the front brakes indicate a warped rotor. ( see attached ) XXXX XXXX ' inspection report indicates why my car was making all the noise due to the warped front rotor. ( see attached ) XX/XX/XXXXsentXX/XX/XXXX that they change their rules as I was requesting them to service my car and because I filed a dispute with my bank, Capital One, XX/XX/XXXX states, When a dispute is filed, our policy is to deflect to the decision of the financial institution, given that they review the evidence provided from the consumer and our dispute resolution team. Moreover, when a dispute is opened on behalf of a consumer, we are unable to make adjustments or refunds while the dispute is reviewed ; the ultimate decision will be made by the consumer 's financial institution on whether the assessed charges are valid.
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11/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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1. On the XXXX day of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrincipal extended our credit to Capital One, N.A.
2. I provided an application/collateral security to Capital One, N.A. on behalf of my consumer. This application contained the services or amount that was being applied for, my Social Security Credit Card number as defined in Title 15 United States Code, Section 1602 ( l ), and my indorsement/written authorization on behalf of my incorporated NAME to access the associated estate on our behalf.
3. Immediately upon transmission of this application/collateral security I was presented a denial message with no further details. A natural individual has a right to credit and can not be denied the private extension of their own credit pursuant to Title 15 United States Code 1602 clause ( f ).
4. Indorsement is The act of a payee, drawee, accommodation indorser, or holder of a bill, note, check, or other negotiable instrument, in writing his name upon the back of the same, with or without further qualifying words, whereby the property in the same is assigned and transferred to another. U.C.C 3-202 et seq. as defined in Blacks Law Dictionary, Deluxe Sixth Centennial Edition pg.774. The Uniform Commercial Code state law codification is O.C.G.A 11-3-202.
5. Collateral security means A security given in addition to the direct security, and subordinate to it, intended to guaranty its validity or convertibility or insure its performance so that, if the direct security fails, the creditor may fall back upon the collateral security as defined in Blacks Law Dictionary, Deluxe Sixth Centennial Edition pg.262 and outlined in Title 31 Code of Federal Regulation 202.6.
6. Once custody of this application/collateral security with my nonpublic personal information and personally identifiable financial information as defined in Title 12 Code of Federal Regulation 1016.3 clause p ( 1 ) and q ( 1 ) respectively was transferred to Capital One, N.A, the company and its agents became fiduciaries in a trust action and bound by the covenant of good faith etc.
7. Title 12 Code of Federal Regulation 1016.3 clause ( p ) and ( q ) respectively which state Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Personally identifiable financial information means any information : ( i ) A consumer provides to you to obtain a financial product or service from you ; ( ii ) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or ( iii ) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.
8. This application/collateral security was then presented by XXXX XXXX XXXX XXXXCFO of Capital One, N.A. to a Federal Reserve Bank for exchange pursuant to Title 31 Code of Federal Regulation 328.5 and the Federal Reserve Act section 16 part 2.
9. Title 31 Code of Federal Regulations 328.5 states : ( a ) When presented by banks- ( 1 ) For payment or exchange. The endorsement placed on a bearer security presented for payment or exchange by a bank should be in the following form : For presentation to the Federal Reserve Bank of __________, Fiscal Agent of the United States, for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by __________. ( Insert name of presenting bank ) ( 2 ) For redemption at par. The endorsement placed on a bearer security presented for redemption at par in payment of Federal estate taxes should be in the following form : For presentation to the Federal Reserve Bank of ________, Fiscal Agent of the United States, for redemption at par in payment of Federal estate taxes, in accordance with written instructions submitted by ________________. ( Insert name of presenting bank ) ( b ) For conversion to book-entry securities. The endorsement placed on a bearer security presented for conversion to a book-entry security shall be in the following form : For presentation to the Federal Reserve Bank of _________ , Fiscal Agent of the United States , for conversion to book-entry securities by _________. ( Insert name of presenting bank ) ( c ) When presented by Service Center Directors or District Directors, Internal Revenue Service. The endorsement placed on a bearer security by a Service Center Director or a District Director, Internal Revenue Service, should be in the following form : For presentation to the Federal Reserve Bank of _______ ;, Fiscal Agent of the United States, for redemption, the proceeds to be credited to the account of the Service Center Director, Internal Revenue Service, at _XXXX, for credit on the Federal _________ ( Income, gifts, or other ) taxes due from _________. ( Name and address ) 10. The Federal Reserve Act section 16 part 2 states : Applications shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for.
11. The said notes shall be obligations of the United States as defined in Title 18 United States Code 8 which states : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/XXXX, ch. 645, 62 Stat. 685. ) 12. Tender is An offer of money, though usually used in connection with an offer to pay money, is properly used in connection with an offer of property or performance of duty other than payment of money, and As used in determining whether one party may place the other in breach of contract for failure to perform, means a readiness and willingness to perform in case of concurrent performance by other party, with present ability to do so, and notice to other party of such readiness as decided in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 407 F.2d 379, 380, and as defined in Blacks Law Dictionary, Deluxe Sixth Centennial Edition pg.1467.
13. Tender pursuant to the Negotiable Instruments Act,1881 ; Public Law 73-10, Chapter 48, 48 Stat 112 ; ( Gold Reserve Act ) U.C.C. Article 9/O.C.G.A Title 11 Article 9 ; C.F.R. 225.2/ Government Obligation ; 31 U.S.C . 5118 ( d ) ( 2 ) ; 31 U.S.C.463, Public Law 97 258 ; U.C.C. Article 4-302/O.C.G.A 11-4-302 ; 12 U.S.C. 411 ; Securities Act 2 ( 1 (, 3 ( a ) ( 3 ) ; Congressional Statutes At Large, Title 62, Positive Law ; 31 U.S.C. 5312 ; U.C.C. 2-304/O.C.G.A 11-2-304 ; 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) / Uniform accounting principles consistent with G.A.A.P. ; 12 U.S.C. 1813 ( 1 ) ( 1 ) Deposit money or its equivalent ; Public Policy ; And settlement in terms of the United Supreme High Court of Justice, Rule 45. Table I - Non-Derivative Securities Beneficially owned are organized under or created by the laws of the United States of America, UNITED STATES and the State of Georgia, and that such Seal ( s ) is/are entitled to full faith and credit. Said securities listed are also obligations or other security of the United States as defined in 18 U.S.C 8 ; hence, a Government Obligation as defined in 31 CFR 225.2.
14. On the XXXX day of XXXX XXXX XXXX XXXX Capital One, N.A received a Notice of Violation via United States Postal Service notifying them that withholding my access to my securities is securities fraud pursuant to Title 18 United States Code 1348 which carries the penalties contained in Title 18 United States Code 1341. Even the attempt or conspiracy to commit securities fraud is a crime pursuant to Title 18 United States Code 1349 which carries the penalties contained in Title 18 United States Code 1341.
15. The banks are the borrowers pursuant to Title 12 United States Code 1431 and have not the power to extend their own credit but are instead utilizing the credit of the natural individual as settled in the following stare decisis : In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669.
A national bank has no power to lend its credit to any person or corporation.... XXXX XXXX XXXX XXXX XXXX, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
The doctrine of ultra vires is a most powerful weapon to keep private corporation within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships. [ Emphasis added ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX.
It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).
Neither, as included in its powers not incidental to them, is it a part of a banks business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful, the power would be the mother of panics,... Indeed, lending credit is the exact opposite of lending money, which is the real business of a bank, for while the latter creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ).
There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
A bank can lend its money, but not its credit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX.
A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest. XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Also see XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX.
16. My application/security collateral once indorsed was converted into a monetary instrument pursuant to Title 31 United States Code 5312 section A ( 3 ) making it a deposit as defined in Title 12 United States Code 1813 ( I ). I was not afforded the equal valuable consideration on this instrument guaranteed by law resulting in unjust enrichment.
17. These conversions and exchanges were executed at the mere will of the trustee ( s ) managing the account in which my securities are being held and constitute a breach of trust and a breach of fiduciary duty pursuant to Title 15 United States Code 80a-35. I did not authorize any transactions using my nonpublic personal information and personally identifiable financial information as defined in Title 12 Code of Federal Regulation 1016.3 clause p ( 1 ) and q ( 1 ) respectively in which I would receive no benefit at all to be initiated which constitutes aggravated identity theft pursuant to Title 18 United States Code 1028A which carries the penalties contained therein and falls under the RICO Act which carries the penalties contained therein.
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08/02/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I was a victim of a tech support and refund scam. The complaint is against the bank, Capital one, but i will give the entire back story for a full understanding.
On XX/XX/18, I had a pop up come onto my desktop computer screen saying my computer was infected. I was worried because I have had viruses before, so I called the number from the pop up, talked to someone with a heavy XXXX accent with supposed names XXXX XXXX and a tech XXXX XXXX. I ended up getting some lifetime protection or 5-year protection for XXXX $ and they asked for my capital one account and routing number instead of my actual credit card number. I had to check my email to accept the charge since the fraud defense flagged it as unusual. They said it was just because they were outside the US. I was a little skeptical at first, but they did what I thought was some legitimate work at the time. Later I realized that they had showed some things in the command prompt and some error files that are common to any computer and they installed a free programs, ccleaner and malwarebytes.
Starting around XX/XX/18, they called from XXXX ( XXXX Arizona ), now assuming it was a spoofed number, saying the company XXXX was going out of business and they wanted to refund the XXXX-dollar charge. Said they needed to remote access my computer to remove software. I told them to call in the morning before work. The next morning around XXXX XXXX on Friday XX/XX/18, I answered the XXXX # and spoke to one person first. Soon after speaking to the first person I was transferred to someone else, XXXX XXXX. The name sounds fake since the guy had a heavy XXXX or middle east accent. Looking back on it now, I am very positive that the XXXX XXXX was the same person as the XXXX XXXX or XXXX XXXX from the initial subscription. I say that is because his voice sounded the same and I was skeptical the first time and the way the guy assured me both times was practically the same, but I did not realize it until afterward. He said to download teamviewer and anyplace control to which he got remote access. He did something in the command prompt I think. Then asked me to check my online banking to see if the refund had gone through. I was skeptical since they were remotely accessed and questioned it, but he assured me everything was okay. I signed in and saw no refund charge and signed out immediately. I got paid that same day in the amount of XXXX, adding to my checking balance of XXXX and about 30 minutes before they called I had transferred XXXX from my checking to savings. So, my savings went from XXXX to XXXX $ and my checking was XXXX plus the remaining XXXX to give me about XXXX $ in my checking account. I believe he saw that my user name and password was auto filled in to my browser. He said he was checking something on his side with the software that must be done while connected to my computer. He setup a black screen on my computer from anyplace control or teamviewer so I could not see what was happening. I started getting very skeptical. Then I checked my bank account from my phone briefly and saw that XXXX had been transferred out of my savings account presumably by him. I started freaking out and transferred the XXXX back into my savings account from my phone. I started yelling at him and then he brought my screen back and he explained that he had accidently added XXXX to my checking account. He showed my online banking account on my screen. The XXXX had transferred back to my savings ( by me ) so my savings showed a total of XXXX ( like it was before ) and my checking had XXXX $ instead of just XXXX, showing he had added money to my account. At this point my mouse was blinking fast and I had no control over the mouse. He started explaining that I would have to pay them back money since they had accidently added it to my account and of course I refused and said this is crazy. Then he got angry and started threatening that he would just take all my money and then he showed my savings account with XXXX $ and there was still XXXX in my checking. At this point, he must have manipulated something because I had originally had XXXX $ total with both accounts. He explained my money ( XXXX ) was transferred to an XXXX XXXX suspense account and that I would need to go buy XXXX gift cards totaling value of XXXX to repay the money and then he would release my money back. Of course, I argued that if he can take it out then he should be able to add the right amount back in and he made up something about how they cant do that. He said I would still get the refund XXXX plus XXXX for the inconvenience, thats why he needed XXXX back even though he added XXXX. I argued and was freaking out yelling then he started getting even more mad and showed me both of my accounts on my screen with XXXX . I am not sure if it was a fake screen or if it was real, but It did look like the normal online banking screen that I used all the time. On my bank account history, it did not show going to zero and then back up. He said if I go get gift cards and read them off to him, I would get my money back from the XXXX suspense account. He explained going to the police would not get my money back, which I believed. He explained if I tried to call the bank, he would leave my account at XXXX . Of course, I realized this might be a scam, but I felt I had no choice because he showed my accounts empty at XXXX $ and this was my only hope of getting it back. He made me stay on the phone as I drove to XXXX. Made me honk my horn to prove I was driving. I told him on the phone when I got to XXXX so he added money back into my account right then. He said not to try anything like ATM or withdraw or even logging into my bank account because he would see the presence and immediately transfer money out. At the time, I believed this was possible since he had shown my money go from around XXXX to XXXX nearly instantly and I do not know a lot about wire transfers or that sort of thing. Had to stay on the phone the hole time in XXXX but told me to put phone in pocket while on speaker. At XXXX in XXXX, I bought XXXX XXXX $ gift cards with value of XXXX and read them off to him in my car in the parking lot. I kept the gift cards and receipts even though he told me to cut them and trash them. Tried buying more gift cards but I had reached my debit limit and he told me to call bank to increase it to XXXX. I called the bank while in car at XXXX parking lot. He gave me a XXXX number that he would call from and started calling me from that number while I was on hold with the bank. After raising my debit limit, I drove to a 2nd XXXX in XXXX. Tried buying more gift cards but card was declined still, not sure why, maybe it takes time for debit limit increase to process. At this point, he said I still owed XXXX. Then he told me to do a cashiers check for XXXX from my bank, said I could keep the other XXXX. I drove to my capital one bank in XXXX and used the information he gave me to get a check ( Bank : XXXX, Name : XXXX XXXX, Routing:XXXX, Account:XXXX, swift : XXXX ). He again told me not to check my account from app or ask the bank to check account or my funds would be taken. Took the check to chase bank and deposited. Made me send pictures of check, receipt, receipt with word nonrefundable written on it, receipt ripped into 4 pieces, and picture ID front and back. Said they needed picture ID to withdraw the money ; it was proof that they knew me, not sure if that was the purpose or if it was for identity theft. Got home around XXXX or XXXX XXXX, and he said he needed to remote access my computer again. He somehow added XXXX more into my account which was apparently another mistake. He showed my screen with around 5,400 even though later my bank history never said that amount. I was furious, but he assured it was an accident and the last thing before I get my money. He said he needed to wait until the check cleared in the morning to refund my XXXX that was owed to me ( XXXXXXXX from my savings, and XXXX for refund and inconvenience ). He told me to go to bank again, so I did that late afternoon and withdrew XXXX. The next day on Saturday XX/XX/18. He called at XXXX XXXX from the XXXX number and said they had got the XXXX from chase and that I needed to repay XXXX in gift cards then I would get my money back from the suspense account. I went to XXXX in XXXX off precinct line and got XXXX XXXX $ gift cards payed in cash. Then read off to him and he said he was working on the refund. Eventually after me continually calling back he answered around XXXX XXXX and said It should be done within an hour for processing. I checked in an hour and there was only XXXX in checking and XXXX in savings. Kept calling back and he had blocked me.
In conclusion, right before the incident started which was after I transferred most of my paycheck into my savings account, I had XXXX in savings and around XXXX in checking. I had sent them XXXX in XXXX cards paid by debit card on Friday XXXX in the morning, then XXXX in a cashiers check Friday afternoon on XX/XX/XXXX and then XXXX withdrawn late afternoon on Friday XX/XX/XXXX used to buy XXXX cards the next morning Saturday XX/XX/XXXX. A total lost value of XXXX. By Saturday afternoon, I ended up having XXXX in savings and XXXX in checking and I had spent the remaining discrepancy on gas and food while I was driving around to all the places. At the end of it I felt extremely stupid and angry because of this entire loss, but I did not feel that it was 100 % my fault. I went and withdrew all my remaining XXXX dollars. I called the police and made a police report, which took about 45 minutes. Then I called capital one to tell them everything that happened. They were able to put a freeze on my account and said they would send the info to an investigator to look at Monday. They started a separate dispute on the XXXX in debit purchases through the debit claims department, gave a provisional credit but later retracted the credit. They could not stop the cashiers check that was done the afternoon prior. I asked capital one to flag the account that I had sent the XXXX cashiers check to as fraudulent and/or contact chase to do that and they did not do anything. I tried calling chase to ask them to do that, but they would not since it was not my account. I was able to dispute and recover the initial charge of XXXX which i am grateful for. I waited about 3 weeks and then called the investigator on XX/XX/XXXX and left a voicemail ; he called back and I missed the call. Then I called on XX/XX/XXXX and again XX/XX/XXXX with no answer and left voicemails. Then I called again on XX/XX/XXXX, left a voicemail and he called back. We finally got to speak about the investigation. He denied any responsibility in capital ones part for my loss. He stated that by giving the scammer remote access to my computer, knowing that my banking info was auto saved, that I gave this scammer expressed authority into my account. This is the first root cause of the theft which led to the scammer to gain access to my bank account without my consent. Once the scammer was in my bank account, they were able to somehow manipulate my account and inflate my balance to make it appear like my account had nearly 32,000-33,000 $ when it should have only had XXXX . If you look at my bank statements, it will show XXXX was transferred from savings to checking twice in a row which would have been impossible since I only had XXXX in that account. Its like the transactions are out of order. Furthermore, the transactions for when I transferred XXXX of my paychecks to savings before the scam even started are out of order. The second root cause of this problem was that capital ones system was able to by manipulated by the scammer. The scammers ability to inflate my account as shown on the bank statement and henceforth Capital ones inability to maintain the account showing the correct balance was the only reason I was tricked into sending money to the scammer in the hopes of getting my money back. The investigator justified this by going back to the first root cause of expressed authority and outright ignoring the second root cause. When I finally got him to say something about the second root cause, he would not recognize any responsibility due to capital ones system being able to be manipulated by the scammer without being detected because he said, inflating balances is a common problem in the banking industry and this is what hackers do.
I feel that it is insensible and illogical to outright ignore the second root cause only because the first root cause overrides it and because hackers inflating accounts is a common banking problem. I think capital one should take at least partial responsibility ( half of the total loss ) since their system was manipulated by a hacker, which was the root cause of why I was tricked into sending money to these people in the hopes of my money being returned. I feel that capital one should have put forth more effort to flag or dispute the cashiers check transaction or that persons chase account, contacting chase to dispute the account as fraudulent. It seems like their system should also recognize something fraudulent is going on when a transfer was made on the computer and app in close succession or at least recognize that the account is inflated and not give access to funds until it is resolved.
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03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Kohl 's reported my account as delinquent to do over 30 days of receiving no payment. After several hours of trying to understand what was going on, I paid the balance in full, as I have always done, on time, since opening the account in 2018. ( Original balance was reported being {$15.00}. I ended up paying $ XXXX due to late fees/interest. ) They reported having sent email notifications to an old email address that was on file ; however, I no longer have access to the email account, as it was a University provided email and is void following graduation. They, also, reported a letter having been sent to my current address ; however, I never received any letter stating their failed attempts to reach me at the old email address. All of my contact information had been updated via my Kohl 's Rewards Account ; so, I naively assumed it would have reflected across all Kohl 's accounts, or they would have at least checked an associated account to see if my contact information was different. Having been a loyal and on-time paying customer of Kohl 's XXXX I am disheartened by the " delinquency '' report that has significantly impacted my credit score. I never miss payments and, when allowed, I have all of my accounts set to auto-pay. I already paid the balance in full, I just want the " delinquent '' reporting removed from my Credit Report History.
Please see the Kohl 's Customer Service Chat chain below. After having tried calling to get a better understanding of the situation described above, the lady over the phone could not understand my questions and concerns due to her language barrier. So I utilized the chat feature on the Kohl 's website instead. They gave me the information they could, but in the end, directed me to call customer service again ; which was of no help the first time.
***************************** USER : AGENT ( XXXX XXXX ) : Hi, my name is XXXX XXXX XXXX moment while I review your question. We have a short survey after we disconnect the chat. Please consider completing it as your feedback is very important to us.
BOT : Current wait time is 1 minute ( s ).
BOT : Please wait for an associate to connect!
USER : I need the customer service email address, please.
BOT : We're still waiting for the agent. I'll pass your message along when they connect.
AGENT ( XXXX XXXX ) : Hi, XXXX. Good day! Thank you for contacting us.
USER : Hi there.
USER : I need the customer service email address for the Kohls Charge Card Service USER : Hello?
AGENT ( XXXX XXXX ) : I understand that you are reaching us about changing your email address.
USER : No.
USER : I need the customer service email address.
USER : That is all.
AGENT ( XXXX XXXX ) : I apologize however, we don't have any email address for Kohl 's Card we only have their toll free number for them to help you change your email address to avoid any missing payments. Would that be okay?
USER : I don't need to call or change my email address. I already did that.
USER : The lady over the phone doesn't understand my question due to her XXXX struggles.
USER : I empathize with that ; however, I need to speak to someone who can help me with my question. NOT about my email address.
AGENT ( XXXX XXXX ) : I apologize however, we don't have any email address for customer support here in our end.
USER : So, I need to contact corporate?
AGENT ( XXXX XXXX ) : May I know what is your main concern, please? Is this regarding to your shopping account or in your Kohl 's Card account?
USER : Kohl 's Charge Account.
AGENT ( XXXX XXXX ) : If I may ask, is this about setting up your auto payment, am I correct?
USER : No.
AGENT ( XXXX XXXX ) : Can you tell me more about your main concern, please?
AGENT ( XXXX XXXX ) : I apologize for that, XXXX. I would love to give you the email address of the department you are referring to for the email address if we have one. However, we can only assist here in chat and through phone services.
AGENT ( XXXX XXXX ) : Please let me know your thoughts about this.
USER : I checked my FICO score this morning, and it reported Kohl 's collection agency marking my account as delinquent. I have never missed a payment since opening the account years ago. I recognize that there was a {$15.00} dollar charge posted on my account ; however, I was under the impression my account was set-up for autopay. Apparently, it was not ; and, for that reason, the {$15.00} charge was left unpaid since XXXX. I never received a letter in the mail, nor did I receive an email stating I had a balance on my account. If an email was sent, it was more than likely sent to the ( ), which would be the incorrect email, as I have not been a student for over 4 years. My email address is correct on my Kohl 's rewards account. But, again, I never received notice of a payment being due. I paid the balance in full this morning once I recognized there was a balance post checking my credit report. I would like to know how I go about getting this delinquent report removed from my credit. If you look at my history, I am never late with any payment accounts.
AGENT ( XXXX XXXX ) : Thank you for clarifying that, XXXX. Would it be okay for you to check your Kohl 's Card account for us to identify if this is still tagged as delinquent?
USER : It is still tagged as delinquent on my credit report, yes.
AGENT ( XXXX XXXX ) : Thank you, let 's get you verified and pull up your Kohl 's Card account first. Can I please have the phone number linked to your Kohls Card account?
USER : XXXX AGENT ( XXXX XXXX ) : By the way, can you please help me verify your exact name that appears on your Kohl 's Card?
USER : XXXX XXXX XXXX XXXX ( XXXX XXXX ) : Thank you! For verification purposes, kindly provide your date of birth through the secret window by clicking the icon next to the message box.
AGENT ( XXXX XXXX ) : Thank you for providing that. It won't be necessary to use the secret window further. Is the phone number you provided earlier a mobile number or a landline number?
USER : Mobile AGENT ( XXXX XXXX ) : Before I can access your account, I will need to complete an instant verification process using your mobile phone number. I will send you a text and standard messaging and data rates may apply. May I proceed?
USER : Yes AGENT ( XXXX XXXX ) : Great! Once you receive the text message, kindly click on the link to complete the instant verification.
AGENT ( XXXX XXXX ) : I have just got the confirmation! I appreciate all your help. Please allow me to check your account for a moment.
USER : Thank you AGENT ( XXXX XXXX ) : You're always welcome, I just wanted to let you know that as per checking here it shows that your account is in normal status and not delinquent. Rest assured that your account is not in delinquent status and you can re check it and refresh to see.
USER : It won't allow me to login due to me having to reset my password after several failed attempts to login in. That's why I had to call to get my email address on file changed. It kept sending codes to the wrong email, one that I no longer have access to. Is there a way to refresh this? Also, now that my account is no longer in delinquent status, how long will this take to refresh on my credit report history?
AGENT ( XXXX XXXX ) : We don't have any further information regarding the status of your credit reporting. What I can advise is to call for further assistance in changing your email address and also for the credit bureau. I apologize for this issue that has caused.
USER : This whole situation dropped my credit score significantly. Do you all not notify customers when there is a balance due? I & apos ; m going to re-set up my auto pay once I & apos ; m allowed back into my account ; but in the off chance this happens again, what is the communication?
USER : Are you able to unlock my account and let me know how to be notified of further balances?
AGENT ( XXXX XXXX ) : If you have a balance in your account it will be sent through your email to notify you to check your statement tab.
USER : So, to clarify, my Kohls rewards account is not linked to my Kohls charge account? Because, my information is correct in my Kohls rewards account. Why didn't it transfer over? If the outdated email was receiving notifications, would that not have shown up as an invalid account? That email has been closed for 4 years and can no longer be access nor receive emails.
USER : I appreciate your help by the way. This is the most information I've received all morning.
AGENT ( XXXX XXXX A. ) : Hi. This is XXXX. XXXX of the supervisors. It looks like my associate already exhausted her options to assist you. Please allow me to take over this chat to further help.
USER : Great!
USER : Do I need to recount what has already been stated?
USER : I tried calling, but she couldn't understand my question over the phone. I appreciate you both for helping me.
AGENT ( XXXX XXXX A. ) : Thank you so much of your patience, XXXX. As what I am understanding with your question, you are asking if how are we notifying the customer 's regarding their balance due, right?
USER : Yes, that ; and, when will this delinquent report be removed from my credit history, as well as can someone unlock my account so I can log in to re-set-up auto pay? I'm not sure why its not already checked. My main frustration is why I was never contacted about there being a balance due. I didn't get a letter or an email. I had to call this morning to get my email address for the account changed, as the password reset code kept being sent to an old email address I had in college. I updated my email and billing information in my Kohls Charge Account a long time ago ; but, I'm assuming it doesn't update across all accounts?
AGENT ( XXXX XXXX A. ) : I have not received any response. Is there anything else I can assist you with today?
USER : I was typing..
USER : Sorry, I updated my email and billing in my Kohls rewards account. Are those two accounts not linked?
USER : I know there are several questions to follow, so please take your time.
USER : I'm just frazzled because I always pay my accounts on time and have never missed a payment for Kohls or any other account ; so to see my credit score drop so much over a {$15.00} charge is very alarming.
AGENT ( XXXX XXXX A. ) : I see. Thank you for clarifying. To answer your first question, credit bureau reporting is processed monthly. We are unable to unlock account manually here, you just have to give it a few hours and it will be unlocked automatically. All customers are notified with their balance due via their statements. In order for the email to be updated for your electronic statement, you have to update it on your account online. Rewards account is different from your Kohl 's Credit Card account.
USER : So the statements have been going to the old email address? Was there no " return to sender '' notification being that the email account is void? Not sure if you can see that on your end by looking in my account.
USER : One more question after you answer that one.. again, thank you for your time. I've just never experienced this before. I have so much financial anxiety and I try to keep everything in line.
AGENT ( XXXX XXXX A. ) : You will not receive the statement via email. You will only receive a notification in your email that says that your statement is ready to be view in your account. Unfortunately, the notifications were sent to your old email address. Actually, there was a letter sent last XXXX for the returned email notification.
USER : Thanks for that clarification. I'm assuming it was sent to an old address as well? I've lived at my current address for over a year. Is the one on file still XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX? If so, that is incorrect. My updated address is XXXX XXXX XXXX. XXXX XXXX, XXXX, NC XXXX. I'm assuming the letter was sent to the old address being that the email address on file was wrong too. This is awful.. Once a month has passed, will the " delinquent status '' be removed from my credit report history?
USER : Like I said, I updated my contact and billing information on the Kohls Rewards account assuming it was all linked, but you're telling me its not ; so, I know for future reference. Just trying to figure out how to get all of this rectified so it doesn't affect poorly on my credit history.
AGENT ( XXXX XXXX A. ) : The address on your account is already the updated one, XXXX. I apologize if you got confused with the accounts and the statements. For your credit reporting, I really can not guarantee anything about it because we do not have an access to it however, rest assured that Kohl 's do the reporting monthly.
USER : I'm just trying to figure out how my mailing address was updated and not the email. Oh boy. I still never received a letter, regardless. But, thanks for your help. I wasn't confused about statements, its like that for all credit card accounts. I just never got an email saying it was ready, and now we know why. I'll save this chat and check in with corporate in a month if its still lingering on my credit report. Thanks, XXXX. Tell the other lady thanks as well.
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08/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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THIS IS NOT DUPLICATE COMPLAINT!
RE : Consumer Finance Protection Complaint remain unresolved. Capital One Bank refuse answer an appropriate resolution.
Capital One Bank discriminates against the protected class. Capital one bank is retaliating because I filed a complaint with Consumer Finance Protection Bureau Capital One Bank refuse to disclose conflict of interest ; XXXX XXXX and Capital one is a member of the XXXX XXXX XXXX organization and ratings are not valid.
Capital One Bank received emails from the XXXX XXXX XXXX President that XXXX XXXX scammed me, and XXXX XXXX promised to return my funds to me {$150.00} by XX/XX/XXXX after the dispute is in their favor.
XXXX XXXX admitted to XXXX XXXX XXXX that Capital One Bank is going to favor them for disputed funds of {$150.00} -before the dispute was settled.
Capital One Bank promote scams and retaliate against customers who file complaints against them. Capital One Bank refuse to disclose dispute polices.
Capital one bank favored XXXX XXXXXXXX funds of {$150.00}. Capital one bank is a bank not a professional mechanic to make an appropriate and unbiased decision without a third-party mechanic.
Capital one bank refuse to disclose dispute policies and practices ; decisions is not based on facts however on opinions, special interest, and without train dispute professionals regarding to mechanics with cars.
# Account ending in XXXX Consumer Finance Protection Complaints : XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute on XX/XX/XXXX against a company called XXXX XXXX with Capital One Bank - card dispute department for {$150.00}. XXXX XXXX installs front brakes on top of a warped rotor. My car was squealing with loud noises, smell burning, and unsafe brakes. Capital One kept demanding me to go to another mechanic to return my refunds of {$150.00}. I gave Capital One the inspection report from XXXX XXXX as requested ; it disclosed that my car brakes were making noise, driving unsafe, and burning smell due to XXXX XXXXXXXX installing new front brakes on a warped rotor.
Capital one bank favored XXXX XXXXXXXX. Capital One Bank did not include a third-party professional mechanic to review the dispute.
Capital One dispute process became deceitful and dishonest with their policies and practices as I began to question them. Capital One bank is not a professional mechanic and how could they determine that XXXX XXXXXXXX installing brakes on top of a warped rotor could not cause issues with my car? Capital one bank refuse to provide me the analyzation and determination of their decision and what third-party professional mechanic they included to review the dispute process and provide me a copy.
Capital one bank began to be dishonest as they vigorously change the rules, they decided with XXXX XXXX to return the funds of {$150.00}. I had shared with Capital One dispute department information/ documentation from the XXXX XXXX XXXX ( XXXX ). I gave Capital one bank XXXX XXXX and I information regarding to the complaint. XXXX XXXX was fabricating and informing Capital One Bank- dispute department a different story and telling XXXX another story that they were going to return my funds of {$150.00}.
XXXX XXXX inform XXXX that they are getting the refund {$150.00} from Capital one bank as if Capital one bank and XXXX XXXXXXXX were co conspiring against me before the dispute was resolved. I provided documents that XXXX XXXX inform XXXX that they were receiving {$150.00} before the dispute was resolved.
XXXX XXXXXXXX refused to send a mechanic to home to repair the issues as I sent several emails and phone calls for service. I contacted XXXX XXXX XXXX and filed a complaint. XXXX XXXXXXXX responded that they could not make any adjustments to their policies on return or honor the warranty because I had filed a complaint with Capital One Bank. XXXX closed my case as if XXXX XXXXXXXX were acting in good faith.
On the other hand, XXXX XXXXXXXX sends Capital One Bank false evidence trying to prevent me from receiving my refunds of {$150.00} as XXXX XXXX installed new front brakes on a warped front rotor. Then XXXX XXXX sends a inspection report ( after I gave Capital one bank the inspection report requested from XXXX XXXX ). XXXX XXXX inspection clearly explains that XXXX XXXXXXXX install brakes on top of a warped rotor which caused my car problems. XXXX XXXX inspection report does indicate a warped rotor. XXXX XXXX inspection report was never given to me as I am a customer. Capital one bank favored XXXX XXXX ; Capital One Bank did not include a third-party professional mechanic to review the decision. Since when Capital One dispute department become mechanics?
Then I received a phone call and an email from XXXX XXXX XXXX President XXXX XXXX where XXXX XXXX headquarters is located to ensure me the return of a refund of {$150.00} ( see attached ) as I identify the scam. However, the next day, my bank Capital one card services close my dispute siding with XXXX XXXX stating that XXXX XXXX evidence was not in error. What does error mean, did Capital One Bank get a review from a third-party mechanic?
Capital one bank began to change their policies as the card services XXXX and XXXX keep changing the rules. I was refused dispute polices and information and Capital one dispute department became deceptive in their practices. Capital one bank dispute department became sarcastic and inform me to go back to the Merchant, XXXX XXXX for a refund. As you read the next email from the XXXX President which states that XXXX XXXX will return me the refund from Capital One Bank on XX/XX/XXXX. Capital one bank dispute department is a part of the scam.
You will imagine that Capital one bank supposes to advocate for me as they have all my funds in their bank as I have credit cards under Capital One Bank and I am XXXX my XXXX check goes directly to the Capital one bank now I have to worry if they will continue to allow scammers to steal from my account? Capital one bank sending me soliciting letters to apply for a car loan to further scam me.
CAPITOL ONE SPECIAL INTEREST- XXXX XXXX XXXX I have investigated and discovered Capital One Bank is a member of the XXXX XXXX XXXX ( XXXX ) and the company XXXX XXXX, also. This is a conspiracy. Therefore, Capital One Bank have already known that XXXX XXXXXXXX was communicating with XXXX. Capital One Bank and XXXX XXXX must pay membership dues to XXXX XXXX XXXX to maintain A+ ratings. Capital One Bank is covering for XXXX XXXX scam.
Capital One Bank and XXXX XXXX has a lot of negative consumer complaints against them. XXXX XXXX XXXX maintains their ratings because they pay members dues. XXXX XXXX XXXX is not a government organization however a business organization they get paid by business like Capital One Bank and XXXX XXXX to help maintain good advertisement and ratings.
XXXX XXXX XXXX XXXX XXXX XXXX has been under investigation about their ratings according to XXXX XXXX investigation report. XXXX is giving both Capital one bank and XXXX XXXXXXXX A+ ratings for membership fees. Both Capital one bank and XXXX XXXXXXXX has a lot of negative reviews and complaints covered by XXXX. However, a report found that some businesses with high XXXX ratings were being investigated for fraud or other illegal behavior.
The XXXX uses its own accreditation standards, which are built on the XXXX Standards for Trust. These eight principles " summarize important elements of creating and maintaining trust in business. Being a XXXX-accredited business can cost companies more than {$10000.00} a year. Capital one bank is protecting XXXX XXXX reputation to scam a customer for {$150.00}. XXXX has been investigated regarding their rating system with businesses who scam customers.
SCAMS BETWEEN CAPITAL ONE - XXXX XXXX MEMBERS OF THE XXXX XXXX XXXX I provided emails with communication of the scams ; XXXX XXXX wrote an email to the XXXX President in XXXX XXXX that they want to return my funds by XXXX XXXX. In the meantime. XXXX XXXXXXXX wrote to Capital One Bank dispute department not to return my funds. In addition, I provided an email that the XXXX President inform me XXXX XXXX is going to return my funds of {$150.00} at the end of XXXX. Capital One Bank favored XXXX XXXX false evidence provided because they both members of XXXX XXXX XXXX Capital one bank supposes to be advocating for me, my funds, and protecting me from scammers.
Capital One Bank policies and their dispute department are fraudulent because they are serving their self-interest, XXXX XXXX, XXXX and it all about Capital one self-interest- XXXX membership and not about the customers. Capital one bank failed to disclose that XXXX XXXX is in the same member organization XXXX XXXX XXXX that is why Capital one bank demonstrate such biases in their decision making.
My plans to get my money out due to a lack of trust with Capital one bank as they can allow XXXX XXXXXXXX scammers to take vulnerable customers ' money out the bank. Protected class customers must be ware, too.
OTHER DISPUTES I MADE WITH CAPITAL ONE I been a customer with Capital one bank and have all my checks electronically deposit in my account. I had filed other disputes and never experience such corruption with XXXX XXXXXXXX. I had filed a dispute with a company name XXXX XXXX : Claim # XXXX for account ending in XXXX.I filed the dispute XX/XX/XXXX because XXXX shipped the shoes however it was shipped to the wrong address and then it was lost.
The USPS found the shoes I immediately called Capital one bank to inform them to stop the claim and return the funds back to the sender of {$27.00}. On XX/XX/XXXX, I received an email from Capital one bank, and they gave me the funds {$27.00} without an explanation event though I had the shoes. Therefore, I got the shoes for free, Capital One scammed XXXX.
The Capital One Bank policies and practices are inconsistent and hidden, Capital one bank dispute department refuse to disclose the dispute process, policies, and practices, how decisions are made and the appeal process.
The supervisors in the dispute department has different policies. XXXX, who granted me time to obtain an inspection report from another mechanic. XXXX, dispute supervisor wanted to punish for listening to XXXX. She complains about her coworker on the phone with me which is unprofessional. Therefore, Capital one bank applies different rules and they need to be investigated how they handle customers during the dispute process.
CAPITAL ONE BANK IS CORRUPTED Capital One bank needs to be investigated especially with the protected class member in XXXX XXXX. Capital one bank should disclose policies as I was told different policies by two different supervisors XXXX and XXXX. As I filed a complaint with Consumer Finance Protection Bureau, the Capital one bank is retaliating because I filed a complaint with Consumer Finance Protection Bureau on XX/XX/XXXX.
In conclusion, Capital one bank help XXXX XXXX to scam {$150.00}, a member from a protected class and then harass me by sending various emails on XX/XX/XXXX to get another inspection report from another mechanic. The company XXXX XXXX gave Capital One Bank their inspection report and never gave me a copy and I am a customer. Capital one bank kept changing rules, refuse to disclose policies, card dispute supervisors ( XXXX and XXXX ) gave different rules and angry with each other, failure to disclose conflict of interest with XXXX XXXX ( business partners in the same members organization ) and Capital One Bank retaliated and discriminated because I am under the protected class.
I provided emails that the XXXX President sent to me communicating from XXXX XXXX about the return of my money {$150.00} after XXXX XXXX receive it from the Capital one bank. I provided emails I sent to the XXXX President that XXXX XXXX scam me and the President of XXXX replied XXXX XXXX is returning your money {$150.00}. ( see attached ) I provided an email to Capital One Bank and Consumer Finance Protection Agency that XXXX XXXX wrote to the XXXX President that Capitol one is returning the funds {$150.00} before the dispute decision was made. That is why I knew it was a scam between XXXX XXXXXXXX and Capital One bank. ( see attached ) I am in the process of closing all my accounts with Capital One Bank because I dont trust them due to the dishonest and scam. I am invited to do a public interview on media about my experience to share to the world which I am going to expose Capital One Bank and XXXX XXXXXXXX. I have direct deposit the month of XXXX and this is the last month XX/XX/XXXX as I changing to a new banking company. I have two credit cards which I am going to close because they are attached to Capital One Bank. I request Capital One Bank to close my savings account because I am no longer going to put any funds into that account however they refused.
CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Comptroller of the Currency Consumer Financial Protection Bureau Federal Trade Commission Federal Bureau of Commission Department of Justice0
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01/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Tx XXXX PROOF OF MAILING EXHIBITS Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX.
XXXX, TX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) RIGHT TO RECISSION OF TRANSACTION AFFIDAVIT 2 ) CAPITAL ONE ACCELERATION LETTER-REPOSSESSION THREAT 3 ) CAPITAL ONE ACCOUNT SETTLEMENT OFFER FOR LESS THAN REMAINING BALANCE ACCORDING TO CAPITAL ONE.
4 ) COPY OF CHECK TO XXXX XXXX XXXX ( FRONT AND BACK ) 5 ) UCC 3-306 CLAIMS TO AN INSTRUMENT 6 ) CAPITAL ONE APPLICANTS CREDIT SCORE DISCLOSURE NOTICE 7 ) CAPITAL ONE REMITTANCE COUPON /DIVIDENT ENDORSED PER UCC 3-306 8 ) CAPITAL ONE DISCLOSURE 9 ) CAPITAL ONE NOTICE OF SECURITY AGREEMENT 10 ) XXXX XXXX XXXX PURCHASE AGREEMENT 11 ) CAPITAL ONE TRANSACTION HISTORY REPORT 12 ) UCC 3-104 NEGOTIABLE INSTRUMENT 13 ) 15 U.S. CODE 7006- DEFINITIONS 14 ) 16 CFR 444.1 DEFINITIONS 15 ) 12 CFR 1026.15 RIGHT OF RESCISSION 16 ) 15 U.S. CODE 1635 RIGHT OF RESCISSION AS TO CERTAIN TRANSACTIONS 17 ) 15 U.S. CODE 1601 CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 18 ) 15 U.S. CODE 1605 DETERMINATION OF FINANCE CHARGE 19 ) 15 U.S. CODE 1692 CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 20 ) 31 U.S. Code 3123 PAYMENT OF OBLIGATIONS AND INTEREST ON THE PUBLIC DEBT 21 ) 15 U.S. CODE 1632 FORM OF DISCLOSURE ; ADDITIONAL INFORMATION 22 ) 12 C.F.R 1026.23 RIGHT OF RESCISSION 23 ) UCC 3-306 CLAIMS TO AN INSTRUMENT 24 ) 15 U.S. CODE 1611 CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 25 ) 12 CFR 1026.24 ADVERTISING 26 ) 15 U.S. CODE 1692 e FALSE OR MISLEADING REPRESENTATIONS 27 ) 15 U.S. CODE 1692 f UNFAIR PRACTICES 28 ) 15 U.S. CODE 44- DEFINITIONS 29 ) 15 U.S. CODE 1640 CIVIL LIABILITY 30 ) 12 CFR PART 1026 TRUTH IN LENDING ( REGULATION Z ) TITLE PAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX : REGISTERED AGENTS CC : TRUSTEE INDENTURE NOTICE OF RECISSION OF TRANSACTION NOTICE TO PRINCIPALS IS NOTICE TO AGENTS, NOTICE TO AGENTS IS NOTICE TO PRINCIPALS Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S. Code 7006 and 16 C.F.R. 444.1 ( d ) holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX XXXX ) and as the agent and administrator in fact.
This Recission notice is made pursuant to 12 C.F.R. 1026.15 and 15 U.S. Code 1635 ( a ), as the right to recission is made be it this notice by mailing and be it this notice is considered given in regard to my consumer credit transaction on XX/XX/XXXX at your dealership ( XXXX XXXX XXXX ) for personal property XXXX XXXX XXXX XXXX # XXXX so be it.
I, XXXX XXXX participated in a consumer credit transaction pursuant to 15 U.S. Code 1602 ( i ), with a consumer credit contract pursuant to 16 C.F.R 433.1 ( i ) for personal, family and household purposes, so be it.
XXXX XXXX XXXX and CAPITAL ONE AUTO FINANCE falls under both definitions of creditor and seller pursuant to 16 CFR 433.1 ( c ) and 16 CFR 433.1 ( j ) Notice, pursuant to 15 U.S. Code 1601, it is a fact, affiant believes there has been a lack of meaningful disclosures of credit terms available to I, the consumer.
Notice, pursuant to 15 U.S. Code 1605, the affiant is aware that the finance charge is the sum of ALL charges. This includes interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident and gap insurance. These are all included in the finance charge.
You required a down payment of {$2000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction, so be it. Down payments are not legal and tendering payments in any other form other than gold is illegal. Accepting an ACH payment is also is illegal.
The amount of that loan which includes the sale prices and finance charges according to the CAPITAL ONE AUTO FINANCE disclosures is {$45000.00}. This, according to your company, did not include insurance and included all necessary finance charges. Debts, loans, non all inclusive finance charges, are all illegal pursuant to 15 U.S. Code 1605.
Notice, it is a fact that the documents received by affiant does not conspicuously disclose the full finance charge as defined in 15 U.S. Code 1605. It discloses a partial amount which is considered false and misleading pursuant to 15 U.S. Code 1692 ( e ).
This debt was already paid for when the United States Congress established gold and silvers is the only tenders of payments. 31 U.S. Code 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. Furthermore, the symbol or character, " $ '', is not defined anywhere in legislation and is therefore a violation of 15 U.S. Code 1692 e ( 2 ) ( A ).
Notice it is a fact, affiant was not given the option to include insurance into the finance charge and told I wouldnt be able to take the vehicle and leave the dealership without proof of insurance. It is a fact affiant was not given proper disclosures as to all insurance options available at the time of purchase which is false and misleading pursuant to 15 U.S. Code 1692.
Pursuant to 15 U.S. Code 1632 ( a ), affiant is aware that a finance charge shall be disclosed clearly and more conspicuously than other terms, data, or information provided in connection with a transaction except information relating to the identity of the creditor, should not vary from the actual finance charge by more than {$100.00}.
Notice, it is a fact affiant did not receive any forms or documentation that clearly and conspicuously disclosed my right to rescind this transaction pursuant to 12 C.F.R. 1026.23 ( b ) 1.
Notice it is a fact, affiant is aware that the recission forms are required and must be delivered together with a statement containing the material disclosures required under the TILA ( Truth In Lending Act ). In addition, creditor must clearly and conspicuously disclose in accordance with regulations of the Consumer Financial Protection Bureau. I was never given full disclosure or notice of the right to rescind pursuant 12 C.F.R. 1026.23.
Notice, it is a fact affiant, consumer, debtor and natural woman believes since I granted security interest, that I have the ability to revoke such interest pursuant to 12 C.F.R. 1026.23 ( a ) 3 ( i ) and hereby exercise the right to revoke any and ALL Security interest in ; The vehicle, all money or goods received for the vehicle, all insurance, maintenance, service or other contracts financed and all refunds or charges the contract mistakenly given to any and all parties in the deal with XXXX XXXX XXXXXXXX on XX/XX/XXXX.
Notice, it is a fact affiant is aware that pursuant to 12 C.F.R. 1026.23 ( d ) titled Effects of a recission, upon the right to rescind this transaction. I the affiant am no longer liable for any finance charge. The creditor must terminate any security interest, return any money or property, earnest money, down payment, and/or otherwise past payments. The property is in my possession, I have a right to retain possession of the property.
Notice, it is fact, affiant is invoking my rights in accordance with 15 U.S. Code 1635 and UCC 3-306 to revoke any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have unbeknownst to me. I demand a full revocation of such document ( s ) ; nunc pro tunc.
It is a fact, I the affiant have the right to exercise the right of recission of transaction, pursuant to 12 CFR 1026.23 ( a ) 3 ( l ) Due to the failure of XXXX XXXX XXXXXXXX to disclose this required information.
Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate info failing to provide information which he is required to disclose and in this case you CAPITAL ONE AUTO FINANCE and XXXXXXXX XXXX XXXXXXXX willfully and knowingly did when you failed to disclose and provide all information clearly and conspicuously to me pursuant to 12 C.F.R. 1026.24 ( b ) to I consumer, so be it.
It is a fact that CAPITAL ONE AUTO FINANCE threatened me with an acceleration letter dated on XX/XX/XXXX. The letter threatened to default on the balance and threatened to repossess my vehicle XXXX XXXX XXXX XXXX # XXXX. CAPITAL ONE AUTO FINANCE also closed my account and reported negative adverse reaction to the credit bureau. Pursuant to 15 U.S. Code 1692e Threat of repossession is fraud and illegal in the collection of any debts. This is a right secured to me by this code herein and the 4th amendment of the U.S. Constitution. Pursuant to 15 U.S. Code 1692 ( f ) It is unfair practices threaten to seize or take Charging monthly fees to me the debtor with expectation of payment is illegal as well as threatening to take adverse action against me through verbal or written threats, repossession, and any other intimidation methods is illegal.
Any creditor who fails to comply with any requirements imposed under TILA ( Truth In Lending Act ) will be liable for twice the amount of any finance charge and any actual damages sustained as a result of the failure. Notice, it is a fact pursuant to 15 U.S. Code 1640 ( b ) In the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or up to 1 % of the companys net worth for its failure to comply with TILA requirements. Pursuant to 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) you are liable for double the finance charge.
In order for a contract to be valid satisfaction there must be offer and acceptance, along with a meeting of the minds. I am the only one who signed this agreement, and you also made a lot of money off of this instrument. This agreement was paid in full with my signature and you never explained that to me. I have every intent to sue and request your GAAP on this account via a forensic audit. I did not agree to cosign and allow you to monetize nor securitize my note. That is illegal pursuant to 16 CFR 444.3 - Unfair or deceptive cosigner practices Notice it is a fact that affiant has reason to believe and do so believes that the billing statement attached from CAPITAL ONE AUTO FINANCE dated XX/XX/XXXX is a billing error. To clarify this information in the billing statement, I the affiant am invoking my right to obtain the documentary evidence in accordance with 15 U.S. Code 44 for the books of account described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account ledger and debits of account to verify the current accounting and taxes associated with this account.
Take further notice that 20 days after your receipt of this notice you have to return any money, vehicle title and/or property given and also terminate and reflect the termination of the security interest placed on the property by any and all affiliates which in this case is a XXXX XXXX XXXX XXXX # XXXX, so be it.
Your failure to comply with this recission will result in civil liability for fraud pursuant to 15 U.S. Code 1640, intent to sue as well as prompting a request for a Forensic Financial Audit.
TERMS DEFINED PURSUANT TO REGULATION Z AND 15 U.S. Code 1602. SEE EXHIBITS FOR PROOF AND CLAIM ATTACHED HEREIN.
XXXX Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc.
I swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it.
____________________________________________________ XXXX XXXX, consumer/natural person Sworn to or Affirmed by and subscribed before me on the _________day of_______ year XXXX _____________________________________ Notary Name _____________________________________ Notary Seal : Notary Signature :
|
11/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
Having been a Capital One Venture One account holder in good standing for a number of years, I was deeply troubled by how my fraud alert issue was recently handled, prompting a formal written complaint to their Corporate Headquarters by certified mail on Tuesday XX/XX/2023 What began as a potential fraud alert on my account in response to a purchase I attempted to make on XX/XX/2023 devolved into a complete systems failure by Capital One to have additional protocols in place to process identity verifications. Following a week of attempts to verify my identity, I was permanently locked out of my account, in spite of submitting numerous forms of valid state and federal identification, as well as requested support documents.
As a result of this completely avoidable and easily remedied action, my account is now permanently restricted. I can no longer use my credit card nor access my XXXX plus hard earned awards points.
How could this happen?
I will recount the details of my unfortunate exchanges with Capital One Venture One as thoroughly as possible.
On XX/XX/2023, I attempted to make a purchase in the amount of {$1900.00} for a newsletter subscription to XXXX XXXX, a financial newsletter subscription service.
I received an alert via phone and email that I needed to call to verify that I indeed was making this purchase.
( Typically, with past alerts, I have received a simple text asking me to respond with either a ( Y ) es, confirming the purchase, or a ( N ) o, which would signify that there was an attempted fraud on my card. I did not receive that. If I had, this matter could have been resolved in seconds. ) At that time I proceeded to call Capital One to confirm that I did indeed authorize the {$1900.00} charge, and that there was no attempted fraud. After that call was made the representative lifted the fraud alert, allowing me to access me credit card.
However, just moments after it was lifted, the fraud alert was reinitiated and my account was restricted again.The representative did not explain why the restriction was reinitiated, which I found to be an inadequate response. After pressing the issue, the representative said that the credit card attempted to re initiate the {$1900.00} charge, which flagged another fraud alert, resulting in my being locked out again. Why did Capital One do that? If they had simply allowed me to re initiate the charge myself, I would have verified it was a legitimate charge and the issue would have been easily settled.
I was then asked to provide more information that would once again verify my identity.
After doing so, the representative said she would call me back on another line to verify that this was indeed my cell phone number. Unfortunately, that call went right to voicemail, as I had my incoming calls on call forward. We were then disconnected. Events began to needlessly escalate from that point forward.
The next time I called back, XX/XX/XXXX, I was told that another layer of identity verification was now required. I was somewhat perturbed yet understood that this may be necessary in order to protect my account. Fine. A link was texted that allowed me to send a photo of the front and back of my current valid Arizona State Drivers License. After several attempts I was finally able to successfully upload my ID, but the representative apparently could not see the images. I was frustrated and said I would call back the next morning to attempt the verification again. Hours had ticked by and I had meetings to attend.
The next business day, the representative/supervisor I reached said she could no longer send me a text for verification and that I would NOW have to respond via an email link. Ok. Fine.
Via the email link I was finally able to upload my ID. The supervisor said I should wait on the line while she scanned the my drivers license to verify it. This all should finally be resolved, I thought.
Unfortunately not.
The supervisor returned to the phone to inform me that inexplicably, my valid, current Arizona Drivers License was not able to be verified. I was flabbergasted. I told the supervisor that there must be some mistake as my license is an absolutely current and valid State ID. I tried to send it again. Same result. She could not explain why a valid current form of ID was rejected. This was more and more looking like an internal systems failure. ( I took the photos with my XXXX XXXX XXXX XXXX.which has always taken easily upload-able, readable and valid documents, including various forms of ID. ) The bar code on the ID should have been read properly.
When I called back a bit later, I told the representative that I was also in possession of my current, valid Federal US Passport, as I was currently in XXXX for business. Would that serve as an acceptable replacement? The supervisor asked me to submit it. I did. He scanned it, and, after review told me that it was indeed a valid form of identification and that he was able to immediately reinstate access to my account. He apologized for the inconvenience. I thought, well, finally, after 3 days of dealing with this, the issue was settled. However, within minutes of my fraud alert being lifted, it was again, inexplicably locked. My patience at this point was being sorely tested. There seemed to be not only an internal systems failure, but a level of customer service confusion that was needlessly escalating an easily resolvable issue.
When I called back to inquire as to why my account was locked again,, I was told I was now required to submit 3 separate pieces of identification : A valid State ID, a Social Security Card and a utility bill verifying my address, account # and billing details. I had access to all 3 back in XXXX XXXX, but I could not respond until I got back home Tuesday, XX/XX/XXXX. I was informed that my valid, Federal current US Passport was not an acceptable, even though after scanning it, they said it was deemed a valid Passport. ( I used the same XXXX XXXX to upload that document fyi. ) There was no reason given as to why. This was becoming a tremendous inconvenience. However I was sure it would all be resolved as soon as I presented all required documentation.
Week 2 : XXXX XX/XX/2023 I called Capital One that morning, and after being connected with yet another Supervisor, I explained what had happened the previous day ; that my account was unlocked after uploading a copy of my US Passport and then inexplicably restricted again. She had no explanation. Instead she reiterated that I should upload all 3 forms of previously requested Identification. I alerted the Supervisor that my valid Arizona Drivers License had been previously rejected. She could not explain why. No worries, I told her, I also had a valid, current recently issued California Real ID card that I could send instead. I now had multiple forms of identification. She requested I submit both my Arizona Drivers license ( again ) and the California Real ID Card. I did so. My Social Security Card was also uploaded, scanned and verified. My utility bill was sent, scanned and, after calling the utility company with me on the line to confirm, also verified. However, not only was my Drivers License once again rejected but so was my legal, current California Real ID card!
I could not believe that this was happening. I told her that this must be an internal issue. She did not respond. I then suggested that I would be happy to upload my valid Federal US Passport again, ( the same one that a previous supervisor had accepted on XX/XX/XXXX, which had been scanned, verified, and approved, resulting in the initial lifting of the restriction on my account ) At that time the supervisor placed me on hold and then confirmed that a current valid Federal US Passport was not an acceptable form of Identification. It was shocking to me that a valid current US passport was not an acceptable back up form of acceptable Identification.
This customer service response represents perhaps the single most egregious example of what was becoming more and more apparent ; that Capital One has a confusing, contradictory and deeply flawed identity verification process that does not provide for an effective alternative method of identity verification ; In this case, a valid, current Federal US Passport.
How could 2 valid state IDs be rejected and a valid Federal US Passport not be acceptable? Baffling. Not one supervisor had an answer for me.
Over the next two days, I spoke to several more supervisors who said that my account would remain locked and that no more attempts to upload documents would be accepted. There was nothing more they could do. At that time I was still able to access my account online. I asked the representative how I could access or redeem my XXXX plus accrued award points if my account was now permanently restricted? The supervisor said that I could not and would not be able to access them. Again, I could not believe what I was hearing. Infuriating.
On Friday XXXX XXXX, I received an email from Capital One informing me that a new document was available in my account to review. However, when I attempted to sign in to my account, I found my user name and password was not accepted. I was locked out. When I called Capital One to ask why I could not gain access, the representative said that because my account was permanently restricted I could no longer access it. I told him I needed access to my statements so that I could properly prepare expenditures for my 2023 tax returns. He said that was no longer possible ( but confirmed that my Autopay was still in place and that my bank account would still be debited, as always, for the full payment due ).
I was stunned beyond words. Literally stunned. And furious.
On Friday, XXXX XXXX..over one week since this debacle began, I called and asked the representative where I could mail or email a formal written complaint. She wasnt sure. She said she would try to find out. A supervisor came on the line and informed me that there was no email, or mailing address available to file a formal complaint. Really? She suggested I sign in to my account and send a message. I almost burst out laughing. Obviously, as I could no longer access my account, that would be impossible. She had no response. It was as if I was speaking to a bot.
On XX/XX/XXXX, I called again, and told the representative that I had received an email from Capital One informing me that an outstanding balance would be withdrawn from my checking account via Autopay on XX/XX/2023. I told the representative that I needed to access to my statements to confirm that the charges were accurate. THIS time, the representative said, no problem. XXXX XXXX would email me my statements for review. I was extremely surprised, because the week before a representative told me that as my account was locked, I would not be able to access my statements..
Within the hour, the statements were sent to me via email.
Again, confusing and contradictory customer service responses.
When I called the next day to attempt to apply my XXXX plus awards points to my balance due, I was told that as my account was permanently locked, I would not be able to access my awards posts and that my balance due would be extracted from my bank account on XX/XX/XXXX.
I made one more attempt to ask if I could upload my ID 's and supporting materials to see if perhaps this time they would be accepted. I told her that I would even use a brand new XXXX XXXX XXXX camera to upload to see if that might make the difference. She was kind enough to send me a link to do so. She sympathized with my situation however she said she could not guarantee that the department that reviews documents would permit another attempt to upload current, valid documents and ID 's. I told her I thought that was extremely unfair, and that I would be unfairly penalized, resulting in the forfeiture of my Award Points. Was there any recourse.? She could not answer. As of this date, I have not received a response.
This frustrating and truly degrading series of events is why I sent a formal letter of complaint to Capital One Corporate Headquarters, detailing what has been an exhausting, chaotic, unprofessional, incompetent and utterly unacceptable customer service experience. Again, this should have been an easily and quickly resolved issue on day one, call one.
By the way, I used another credit card to process the same {$1900.00} charge. It took 10 seconds to approve.
The issue that now remains unresolved is how I will be reimbursed .... or able to apply my XXXX Award Points against future purchases, if I no longer have access to my Credit Card account?
I am requesting that the CFPB investigate this issue.
I should be given every opportunity to re establish my account and claim my Awards, or receive financial compensation equalling the full value of my accrued awards.
Thank you.
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05/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
I was defrauded by a hacked email from one of my vendors who I have known for more than 30 years. The email directed me to return a wire that was mistakenly issued to my account, an account I regularly use with this and other vendors. I came to find out that this was a hacked email after I return wired the funds. The fraudster then cancelled the original wire, which was not a wire at all but a counterfeited check ( the bank repeatedly told me it was a wire after telling me that wires can not be cancelled. ) Capital One Bank ( my banker ) has and will do nothing for me except ask the recipient bank to return the funds, which the recipient bank ignores. Below is the more detailed recitation of the events, copied from correspondence with the CEO of Capital Bank.
============== Dear XXXX, This is my second communication to you. The first is memorialized here to refresh your recollection, assuming you have seen it. Updates are presented in the forthcoming section identified by the double asterisks.
( This is what I previously sent you ) I hope this communication finds you in good health and good spirits. I, unfortunately am burdened by the loss of almost $ XXXX in a small business Capital One account due to fraud and would like to see if some intervention is possible from the top down.
My name is XXXX XXXX XXXX. I have been an account holder since XXXX. I have experienced satisfactory service from Capital One. However I have recently seen a side of Capital Ones banking practices and customer service that is mind boggling. Here are my circumstances.
On XX/XX/XXXX I received an email from a vendor I have been doing business with for more than 30 years. The email stated that the sum of XXXX was mistakenly wired into my account and can I please wire it back. I checked my account. There was XXXX in my account that I was not expecting nor did I bill for. So, I wired it back to the banking information provided in a second email. When I called the vendor to say my return wire was executed they did not know what I was talking about. Their email had been hacked and my banking information was pulled from a prior invoice.
At this point, looking in my account there was XXXX in and XXXX out. I suspected the hackers were trying to use the information to launder money from within my account. I called Capital One to report it. My hold time was excessive. Eventually I was passed to two different people before I got to a fraud specialist who told me they were stopping my wire and returning it to my account. I made sure to tell them that doing so would leave me with the XXXX from the original allegedly mistaken wire plus the money that would be returned. I dont want to gain by someone elses fraudulent activity.
No one called as promised. I kept a watchful eye on my account over the next few days. A few days later I saw the following in my account : The original wire that I sent was debited for XXXX.
An additional XXXX was placed on hold in my account ( for reasons I do not understand ).
This was worrisome so I called again, and this is where my nightmare accelerated. I once again called customer service nervous and upset. The customer service representative had no idea what I was talking about and her thick accent was incomprehensible to me. I asked to speak with someone because I knew at that point that the potential for misunderstanding was very high. I was asked to hold for three to five minutes and after a period of much longer than that I was transferred to another heavily accented individual whom I had to explain my story to from the start. He referred to my situation as tricky, and passed me to a fraud specialist who immediately saw what happened and assured me that only a hold was placed on my account and the money was still there. I asked if it were possible to contact me when the matter was resolved. He agreed and I was satisfied for the moment.
After a few days of not hearing anything I checked my account and the money that was placed on hold was withdrawn from my account. I panicked because things were not happening as I had assumed they would.
I now had XXXX in, XXXX I wired out under false pretenses, and an additional XXXX removed from my account by Capital.So on balance I had a XXXX credit and TWO XXXX debits leaving me with a net loss of XXXX.
At this point I am frustrated and livid. Eventually I was passed to another Fraud specialist named XXXX XXXX I think ). From the outset he insinuated I would probably not get my money back and when I asked why he said some things that were utterly illogical.
I was told that once a wire is executed it can not be stopped.
When I wired the money from my account to the fraudulent imposter I did it willfully notwithstanding it was done under false pretenses and as a result I might not have any recourse.
When I asked him to explain how the original XXXX was reversed based on his statement he proceeded to lecture me on why I should never wire money to correct a mistake. Now here is what I would appreciate you focusing on : When I asked how I would know that he said You know now. This statement and the entire conversation was condescending. It was as though my inquiry with respect to an unexpected XXXX loss from my account was bothersome to him. He clearly conveyed to me that it was my own fault for not knowing some arbitrary circumstance that was applied only to the detriment of my account and not the original wire which was in fact cancelled.
In addition, I was never given an explanation as to why there were XXXX XXXX debits under the presumption that the first XXXX could not be returned.
I was not going to be run around any further so we ended the conversation. To be perfectly transparent he did say there would be an investigation which he would conduct in an unspecified time frame with no idea of when it might produce a result.I was further told that they contacted the other bank involved, XXXX, and have not had a response, therefore I should take it up with the other bank myself.
On Tuesday XX/XX/XXXX I will be meeting with a local branch manager who will hopefully obtain some clarity on the matter and resolve it.
Perhaps a source of more minor frustration is that for the long hold periods I would often have to listen to some self serving advertising explaining to me that according to a XXXX XXXX survey Capital One ranks number one in customer service. That message was not helping me any and I am certain you can see why.
I then started making inquiries on what my remedies are available to me should this not be resolved. A high ranking executive at XXXX suggested I reach out to you so I am.
In these times a XXXX XXXX XXXX dollar loss is devastating to my business and I need a greater amount of intervention to set it straight. Aside from the implication by the fraud specialist that I am not smart enough to know what I should not do ( which is horribly insulting ) I am not exactly a stupid man. I hold XXXX XXXXXXXX and a XXXX XXXX in XXXX XXXX. I am also not a shrinking violet and will devote whatever time and energy I need to resolve this in an amicable fashion. Hopefully we can work this out together with the end results of : Returning the money that was taken from my account Increasing your awareness of how your employees behave Insuring that your customer service people can understand and speak English to English speaking customers Information you might find useful : Again my name is XXXX XXXX XXXX.
My personal cell is XXXX The name on the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hesitant to include my account number in an electronic communication but if someone calls me I will provide it.
Please step in on this or direct someone in a higher position than those I have dealt with do so immediately.
Thank you, XXXX XXXX XXXX, XXXX.
cc : XXXX XXXX XXXX, via email ( This is updated information ) **As a post script to this communication the following occurred : I met at the branch with XXXX XXXX and his colleague XXXX who expressed an earnest desire to help. They called the same numbers I called and held for the fraud department. I was not privy to the details but when they hung up they reported to me that hopefully within ten to twelve business days the issue would be satisfactorily resolved. I then received a telephone call from XXXX ( no last name given ) who told me he would be listening to the recordings of the poor customer service I received. He would get back to me shortly.
I waited the twelve business days as per the representation of XXXX XXXX and XXXX and after hearing nothing from XXXX I phoned him.
XXXX reported that he indeed reached out to the fraud XXXX who was disrespectful to me and agreed that he was in need of coaching, and that steps were being taken to direct him. He then told me he did not know why I was told this would be resolved in ten to twelve business days because it could take much, much longer depending on the circumstances. I told him I was confused. XXXX told be he would reach out again a few days later to update me, which he did.
On the updated call he told me that the ten to twelve day time period I was quoted was not for the resolution of the issue ( as I was definitely told ) but for Capital One to reach out to the recipient bank of the fraudulently induced transfer. That was not what I was told at the branch, so this is yet ANOTHER miscommunication which indicates that the right hand doesnt know what the left hand is doing at Capital One.
XXXX informed me that Capital One reached out to the recipient bank with no response. I was also told that the recipient bank received a hold harmless letter. I took that to mean that the recipient bank was informed that if they returned my money Capital One Bank would not take action. The question that was not answered was what motivation, if any, would the recipient bank have to return the money because as I see it they would have none. I did not receive an answer to that question.
XXXX supplied me with two email addresses ( no names ) of places to send subpoenas to and make further inquiries. He recommended I contact law enforcement. He told me my case would remain open for 45 days. I remained patient and civil to XXXX who was available and responsive but ultimately unhelpful because what I was coming to understand was : There is nothing Capital One Bank could do for me except ask the recipient bank to return my money, which I believe is extremely unlikely. The other advice essentially boiled down to contact law enforcement and handle this yourself, which is wholly unacceptable.
The case will remain open for forty five days I was told. Rhetorically I do not see how waiting an additional thirty or so days will change what is already a bad outcome. I am anticipating being told that I will very politely be advised We did everything we could do, which is essentially advance a few correspondences asking for the return of my money which will continue to be ignored.
As I have tried to communicate previously I am not unintelligent as your fraud specialist suggested. I will continue to pursue this using every possible remedy available to me, through law enforcement, through banking regulatory organizations, by private counsel, and by seeking attention from the media to alert other consumers as to the type of runaround I am receiving.
While XXXX is researching the possibility of my receiving help from the FDIC, he speculated this help might not be available to me because I willingly wired funds albeit under criminal control. I think this is preposterous but XXXX is a diligent researcher and an excellent communicator so I am sure he will deliver the results of his inquiries when he receives them, albeit likely that it will be more bad news.
I would like not to believe that the totality of action that Capital One Bank is willing to take is to ask the bank who received funds I was defrauded out of to please give it back. However, that is what I am being told. I can not believe that Capitol One Bank would treat a customer of long standing duration in such a desultory and dismissive way. This attitude coming from a bank which lauds itself while on hold with customers bragging about how they are unsurpassed in customer service. Excuse me if that does not ring true with me.
While I appreciate that XXXX is doing what he can, he is not the man in charge. You are. I am a little person in the hierarchy of the banks priorities or at least I have been made to feel that way. However, it is my full intention to grow to be a person of influence in the scheme of what banks do to people who are the victims of criminal activity.
Please help me.
XXXX XXXX XXXX, XXXX.
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09/22/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I entered into fraudulent contract with CAPITAL ONE AUTO FINANCE. I went to purchase a vehicle for personal, family, and household purpose at XXXX XXXX XXXX XXXX XXXX XXXX. My credit was pulled ( 3 ) times by CAPITAL ONE AUTO FINANCE. I didn't consent for CAPITAL ONE AUTO FINANCE to pull my credit multiple times. I had already gotten a pre-approval from CAPITAL ONE AUTO FINANCE in the amount of {$63000.00} so my credit didn't need to be pulled multiple times. Going over the Retail Instalment Agreement I noticed that there was fraud on the contract. The contract stated the Finance Charge is {$10000.00} which according to Truth In Lending Act the finance charge should cover the all fees. On the contract it states " The dollar amount the credit will cost you. '' so with that being said the car was paid for and should be free of all liens. I XXXX : XXXX the natural living woman is not obligated to make payments to CAPITAL ONE AUTO FINANCE because the vehicle is already paid for. CAPITAL ONE AUTO FINANCE never gave me notice that I had a right recession or a right to cancel. CAPITAL ONE AUTO FINANCE fraudulently created a contract to undermined the Consumer which would be me XXXX : XXXX the natural living woman. As soon as I found the contract to be fraud I sent CAPITAL ONE AUTO FINANCE a fomal letter of my Notice of Recession dated XX/XX/XXXX via Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX , which CAPITAL ONE AUTO FINANCE received XX/XX/XXXX. I have not heard anything from CAPITAL ONE AUTO FINANCE regarding my notice. I call CAPITAL ONE AUTO FINANCE on XX/XX/XXXX and spoke to ( 2 ) different customer service representivies ( ID numbers XXXX and XXXX ) and no one could tell me anything about the notice that I sent or my rights under the Federal Law. I told the representive ( badge number XXXX ) That I was not obigated to make any payments because the vehicle was paid for and she stated that I didnt have a right to recession. Purssant to the provisions of The Truth in Lending Act 15 U.S.C. Section 1635 I the Consumer indeed have the right to resind any transaction if there is a finance charge. CAPITAL ONE AUTO FINANCE has not sent me anything regarding my Notice of Right to Recession.
15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable comparison of lease terms with credit terms where appropriate, and to assure meaningful and accurate disclosures of lease terms in advertisements.
15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) Bureau.
The term Bureau means the Bureau of Consumer Financial Protection.
( c ) The term Board refers to the Board of Governors of the Federal Reserve System.
( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
( e ) The term person means a natural person or an organization.
( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract.
( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
( c ) Rebuttable presumption of delivery of required disclosures Notwithstanding any rule of evidence, written acknowledgment of receipt of any disclosures required under this subchapter by a person to whom information, forms, and a statement is required to be given pursuant to this section does no more than create a rebuttable presumption of delivery thereof.
( d ) Modification and waiver of rights The Bureau may, if it finds that such action is necessary in order to permit homeowners to meet bona fide personal financial emergencies, prescribe regulations authorizing the modification or waiver of any rights created under this section to the extent and under the circumstances set forth in those regulations.
( e ) Exempted transactions ; reapplication of provisions This section does not apply to ( 1 ) a residential mortgage transaction as defined in section 1602 ( w ) [ 1 ] of this title ; ( 2 ) a transaction which constitutes a refinancing or consolidation ( with no new advances ) of the principal balance then due and any accrued and unpaid finance charges of an existing extension of credit by the same creditor secured by an interest in the same property ; ( 3 ) a transaction in which an agency of a State is the creditor; or ( 4 ) advances under a preexisting open end credit plan if a security interest has already been retained or acquired and such advances are in accordance with a previously established credit limit for such plan.
( f ) Time limit for exercise of right An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligors right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later.
( g ) Additional relief In any action in which it is determined that a creditor has violated this section, in addition to rescission the court may award relief under section 1640 of this title for violations of this subchapter not relating to the right to rescind.
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07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Capital One as I have said from the start of this mess you have caused it will continue to snowball unless ONE PERSON works on this and not the 20 who have their hands in the pot. Your reply left here is a joke. You see what the problem is from department to department within your system there is nothing cohesive. The customer service department only knows so much and they show different dates of the events that transpired then the fraud department. So let me share with you how wrong your reply is that you left here.
Let 's go over your XX/XX/2022 reply to the CFPB.
In your letter you say that you believe that I am the one who thinks that Capital One placed a fraud dispute on every card on every transaction. I didn't tell you that XXXX XXXX is the one who told me that there were fraud charges placed on all charges on all cards. I didn't tell you that you told me that. I can't even get a straight answer why you canceled all three of my cards which were in excellent standing and paid as agreed. Could you let me know why on XX/XX/2022 you did this?? You see I have been given many answers none of them make sense and none of them once you look at my statements are even true. So do you just make up reasons why you would cancel a customer who is in good standing and never late?? Not to mention I had just paid all three cards off.
Question 1.
Why did you close my accounts that were in good standing??
Your letter goes on to say that I feel the interest and late fees are wrong. Yes they are. You have made charges on my cards where there should be credits. I returned quite a bit to XXXX and they show that my card XXXX was refunded. You show it as a new charge. So you are charging me interest on items that should be credits not new charges. And this has been going on since the first of the year. I have included two of the many credits that should have been posted in XXXX.
My accounts were not reopened on XX/XX/XXXX as your letter states. My accounts were re-opened Wednesday XX/XX/2022. Up until that time I was locked out and unable to see any transactions or letters that you have sent.
XX/XX/XXXX I received a letter from you sent by XXXX. The letter states that your expectations have not been met and my accounts are permanently closed. Again what did I do?? This is the only letter you sent me via USPS or XXXX. I never got one saying my accounts were reopened. And why three days later did you not bother to tell me this?
I will let you know because you are not being honest. You canceled three great standing accounts that were paid on time or ahead of time and often paid in full You made a huge mistake on your end and while I was standing with the desk Sgt at XXXX handling a computer hacking and crypto he suggested that I phone you and share what transpired. I did so in front of the desk Sgt who heard every word I shared with Customer Service. Which was hello I am calling to let you know that my computer has been hacked and my bank account compromised. Thank goodness your cards were not used in this but the Sgt wanted me to call you as a courtesy to let you know should anything arise From that conversation on XXXX XX/XX/XXXX that took all of three minutes fraud was opened up and from what your Customer Service department says on all charges on all cards. Again those are your words not mine.
From there I was locked out and unable to use my cards or see my account. I have called daily spending at times 3 to 6 hrs dealing with this and no further along today than I was in XXXX. I have opened a dispute and that was on my business card the Company Spoiled Child. You adjusted my account and when Spoiled Child paid you took back the adjusted amount of {$180.00}.
You say that there were charges disputed but not of my doing. In your letter you show a XXXX twice on for {$25.00} the other {$47.00} She is a vendor I purchased items from for my store. You took it upon yourself to reach out to XXXX to open the dispute and then rule in my favor so again you are very confused. You see I paid XXXX when you refused to so why is this charge and XXXX XXXX charge and XXXX XXXX charge all back on my account with you? This is double charging me. My business relies on merchandise and I do many auctions. I used to use your cards to pay but when you closed my accounts and refused to pay the vendors I was not going to get my items. So as you can see I paid for items you still have on my cards and are still charging me late fees and interest. I know what is owed on each card and moreover what is not owed but you have put charges on and adjusted them you have charged me where credits and refunds should have been placed. And not a single department in your entire company has the same information. Customer Service shows I was canceled in XXXX. The fraud Department shows the end of XXXX and nothing is cohesive between the departments. And your department has everything wrong. If you would like to listen to my phone calls I too tape them for quality control. I let your customer service people know this and to date only one has freaked out told me I was not allowed to tape the calls. Why??? You tape them, why can't I? And I let you know that I am just as you let me know too. I think your heads would explode at some of these conversations I have had with your employees. I think that you would be left just as confused as I have been. Nobody gives the same answer to the questions I have asked, put those calls together and it sounds like I am dealing with a company who does not know from department to department what the heck they are doing.
Being that I am the only one who has kept track of all the mistakes you have made along the way. And being that I can and have produced two out of the many vendors I have paid through cash or card where you are telling me what your fraud investigation showed which is also wrong. You got XXXX involved in this and I trust them I don't trust you.
I have enclosed just a sampling of the many mistakes you have made. I have requested that I speak to one person to get each account worked out. I do not owe late fees. It was told by XXXX XXXX in your fraud department that the late fees and the interest charges would be removed and it adjusted form each of the three accounts. And then we could go from there. That has not been done.
I spoke to the Fraud Supervisor XXXX who was amazing she could see that there were no refunds on my accounts at all. You had made XXXX 's refunds all brand new charges. So the interest I have been paying is wrong and I paid off the cards with your incorrect interest.
I would like to know why you can't seem to make these accounts right?? The credit cards are wrong. Where there are charges where there should be credits. Where XXXX has sent a refund to my card you put it on as a new charge. Why?? When you took it upon yourselves to open up fraud charges and tell me that I did it when I had the desk Srgt of the XXXX who knows that I did no such thing. You then pass this mess to XXXX who tells my vendor you would not be paying. SO I PAID MY VENDORS and now you are charging me again for items I have already paid. This is wrong.
According to the FTC and the Fair Credit Billing Act You may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.
The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit.
The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. However, the creditor may report that you are challenging your bill. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA. For example, a creditor cant deny you credit just because you've disputed a bill.
If it turns out that your bill has a mistake, the creditor must explain to you in writing the corrections that will be made to your account. In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error.
If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money You have NOT followed the laws set in place protecting me as a consumer. You have reported me to all three credit bureaus that you closed all three of my accounts all three. You have left a message on the bureaus that if anyone wants to know why they were closed to call and you leave a phone number. I called that number to know what I was told as the reason you closed these accounts down??? Call and you will see. I have a recording. And where does it state that I can't record the call?? I didn't read that anywhere and as long as you are notified at the start of the call and do not protest it then I am well within my rights to continue to record for the entire length of the phone conversation.
The law says you can not close my account or threaten my credit rating which is below XXXX now. It was XXXX. What you can report is that I am now challenging the bills. And being that I have produced receipts for the charges I was forced to pay another way and being that I have screenshots of XXXX refund the date the time the transaction number the credit card refunded XXXX I think that is about all I need for you to get this right. I do expect the interest to be adjusted and the late fees to be removed from each card. I also would like to know when the three new cards will be sent to me???
I would like one person to handle this until the end. There are far too many hands and departments in the mix that from one office to the next the information is not the same.
My patience with this is done. I expect you to do better.
The true and correct dates XX/XX/2022 I called and disputed Spoiled Child XXXX XXXX I received a text saying that the payment I had scheduled was returned by my bank. I never set up auto pay. This was a mistake on your end and it was set up on XX/XX/XXXX. I never set up auto pay. I pay on the day for that day nothing is set ahead. I phoned and spoke to customer service rep XXXX XXXX XXXX of Customer Service who shared with me that he could see the error was on your end and not mine. He apologized and we hung up.
XX/XX/XXXX I phoned to extend the courtesy of my computer being hacked and my account with my bank compromised. By XX/XX/XXXX all my cards were canceled and my accounts were locked. You reported me to the credit bureaus XX/XX/2022 according to them and from that point until today I have been fighting to get my cards back.
Take a look at the good standing I was in with you and all three of my accounts so I will ask this again why did you cancel my cards and report me to the bureaus??? Do you know how I found out that I was canceled?? My vendors were not getting paid. You had called XXXX with a list of disputes that I tried to cancel. I paid my vendors. I paid my friend at the restaurant. I paid for my pizza. I made good when you said I would never get the cards back.
You sent a XXXX letter XX/XX/2022 saying I get nothing and yet where is my formal letter from you telling me the accounts have been reopened?? Where is the formal letter from you laying out the plan on how you are going to remove charges that I have paid, but store credits where credits are do and not make them a new charge with both XXXX and XXXX. Since XXXX. I am going to check because my guess is you have made it a habit of not putting on my refunds but adding them like they are a brand new charge. I bet this is what you have done for a longtime. This means that the interest charges were not correct for sure from XXXX forward. I paid off all three cards and they were at a XXXX balance in XX/XX/2022.
Until this is made right I refuse to pay one cent on any of the cards. I want to work with one person, not 20 like it has been. I am tired of leaving XXXX messages at XXXX XXXX XXXX ext XXXX We go around in circles. I have talked to XXXX at the same number. I expect you to follow the laws written from the fair credit billing act. I want my credit score back to what it was before you ruined it.
XXXX XXXX XXXX XXXX XXXX
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04/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
I have been a customer of Capitol One Master Card for 25 years. Heretofore the below described problem, I had never before had an issue with them, or they me, never missed payments or anything else.
The problem : The company is in violation of both the FCBA of 1975, as well as the US Department of Treasury 's Mandate for Financial institutions, public and private, to comply with Address Confidentiality Program for victim of crime, which I am a member of through my Minnesota Secretary if State 's Safe at Home program. I describe how this is so in detail in this complaint.
I tried to make a purchase with my Capitol One MasterCard, at two different vendors, back on the week of XX/XX/XXXX. I was denied. I subsequently called Capitol Ones customer support, and was eventually transferred with account manager XXXX ( XXXX ). She informed me that my card and account had been closed out in the previous month, XXXX, due to non payment of late fees, for a charge I supposedly made of {$4.00} to XXXX on XX/XX/XXXX. She told me that I never paid that charge, and than 5 months of late fees accrued, culminating with my account being closed out by the company, for this reason.
I then informed her that I had never gotten any billing statements or any notification of any kind from Capitol, notifying me of this alleged charge, nor any statements thereafter concerning late fees. ( I don't even recall making any such XXXX charge, so I am not even sure that was a valid charge to begin with. ) After looking into this, she said that my billing statements were generated but never sent out, as the company had a policy of not using XXXX XXXX XXXX '. Well, I told her that I apprised them of this new legal mailing address on XX/XX/XXXX, a full XXXX days before the charge of {$4.00} had occurred. At that time, their rep had accepted my new address and input it into their system, with no notification that this was not acceptable.
This new XXXX XXXX XXXX is my legal mailing address, which is even on my license. It is distributed by the Minnesota XXXX of XXXX 's Safe at Home Physical Address Confidentiality system for Crime victims. It has been legally mandated that all financial institutions accept and use this, since XXXX, in compliance with the XXXX Department of Treasury. Minnesota also has a statute concerning this law. The program also has separate physical address provisions to comply with the Patriot act. I informed XXXX of all this and she told me she would then send me my 6 months of past statements, for my records.
She said XXXX department of their company had generated my statements, but someone there decided not to send them out. She then told me she would send those 6 months of past statements to me now, for my records. And she also gave me the address for their disputes department to write to to explain and document the issue. I expected that the problem, which was clearly the company 's, would be fixed, an apology sent to me forthwith, and all 3 credit card bureaus, which were negatively effected, to be contacted by Capitol One, corrected, along with my account being reopened immediately. None of this was done.
It is notable that I was not only never contacted by mail, but also not by email or phone, all of which the company had of mine. As for the 6 months of past statements, XXXX assured me she would now send out, she never did.
I subsequently sent out my dispute letter on XX/XX/XXXX, with attached documentation making my case, and with the above expectations. It seemed like this was a simple matter to resole On the XXXX of XXXX I received a letter from their Dispute Department, that simply restated that my account had been closed for lack of payment of late fees, and would remain so. None of the points in my dispute letter were addressed. Apparently my letter had not been read, at least not carefully. Also, the response letter gave no specific person in that department, so that I could then followup with them to contest this response. It was just signed : Customer Care Team. '' Then, adding insult to injury, the next day, I received a letter on XX/XX/XXXX, telling me that my credit bureaus did not report any late payments for the periods of XX/XX/XXXX to XXXX. Aside from the nonsensical, inverted datewhich itself demonstrate the shoddy, inattention to detail which this company takes disputes -- the reply made no sense : The credit bureaus which I took the time to photocopy and send them clearly showing all three bureaus indicating late fees accruing for the time period in question. I had even taken the trouble to highlight and circle such notations on my photocopied bureaus, to make it very obvious and simple to see this.
Obviously this company severely lacks training and has people working in its dispute department who don't even know how to read credit bureau. My point about my legal mailing address and my statements being sent out was not addressed : Despite this being the central problem. I clearly stated, in my dispute letter, that their response needed to be sent to my current legal mailing address : my Safe at Home address. I even cited in that letter the legal statutes governing the use of this PO Box address as my legal address ( It is even on my license. ) Despite this, their two response letters to me were, again sent to my old, no longer valid, physical address.
It is notable that I have 3 other credit cards, and two separate institution 's banking accounts, and none of these institutions have had any problem accepting and utilizing my new legal PO Box mailing address, sending me my financial statements, and and other notifications there. Even my checks have my PO Box address on them. All all 3 credit bureaus correctly have my PO Box as my current address listed at the top.
Thus, this past week, on XX/XX/XXXX, I again called Capitol one at the number that was supposedly the account manager number. I stated my calls at XXXX PM. In order, I spoke to : XXXX in Account disputes. She did not know about my dispute letter.
So she then transferred me to account specialists, XXXX. After having to explain my problem all over againapparently no one had read my dispute letter -- she then transferred me to XXXX, ( ID # XXXX ). She told me she did not know anything about the situation.
XXXX then transferred me to to Supervisor and Senior Account Manager, XXXX, XXXX ID # XXXX. ) After I had to explain my problem all over again, he told me your letter went to the front office, we don't have anything to do with them. ( Then why wasn't I connected to the people in the front office who had send me the response letter? Made no sense. But spoke volumes for this one department of this company not knowing what another is doing. ) XXXX then said he did not know why my account had not been reopened, but after finding my letter in their system, and reading it, he said, based on my documentation, my dispute clearly met the criteria for another look.
XXXX then transferred me to XXXX, XXXX # XXXX, ) who then put me on hold to confer about my letter and the situation.
After another long hold, XXXX then transferred me to Senior Account XXXX, XXXX, XXXX ID : XXXX ).
Since at this point I had been on phone for more than XXXX XXXX hours, I XXXX XXXX immediately to give me his number, or call me back if we are disconnected, because I did not want to have to go over all this again starting from scratch. Despite this fact, XXXX hung up on me at at XXXX XXXX, when I was still talking. I had by then been on the phone, continually transferred, for 1 hour and 45 minutes, only to be hung up on and never called back.
Before hanging up on me, unbelievably, XXXX had the gall to tell me that the situation was my fault, as he now claimed the account was closed due to inactivity. ( I had made two charges in the past 6 months, hows that inactivity? ) This was a totally different reason all their previous reps had given me verbally, and different than the reason stated in their response letter to my dispute. ( I said if you are going to claim that, now, you needed to send me a letter with your name on it, on company letterhead, explained this was not the reason you were claiming my account was closed. He did not respond. ) I tried to explain again my dispute pointsas clearly XXXX had never read my letter XXXX I don't understand why everyone I was connected to have not read my letter. Why wasn't I connected to the people in the dispute department that supposedly read my letter? ) He told me it was my fault, as, in the last 6 months, since that, supposed, {$4.00} XXXX charge, I did not try to charge something elseeven a XXXX dollar pack of gum because, if I had, in his twisted pretzel, non-logic, my charge would have been denied, and I would have called sooner and been told by a rep that I had a problem.
It was and is not my problem that the company did not comply with the law and send me out my statements, which, as I stated in the beginning of this letter, their representative XXXX told me were generated but not mailed out. Also, if their company had a problem sending my statements to my legal address, and that they had just piled up, unsent, they obviously internally saw there was an issue, but chose not to address it. XXXX also had the gall to tell me their company did me a favor by closing out my account. My credit has been cut off, and my credit bureaus negatively effected, that is no favor to me. My responsibility was to kept their company updated with my current contact information : which I did. It was their company 's responsibility to utilize such.
The onus, obviously, was not on me to stumble upon their company XXXX up, and lack of compliance with the law. ( Indeed my attempting a purchase last XXXX is the reason I found out there was a problem. ), But this was clearly not the issue, as, again, even when I apprised this company in writing that their response letter must be sent to my current, legal mailing address, they still sent it to my old, invalid, physical address. Talk about making a bad situation worse, and adding insult to injury. XXXX would not address any of my dispute points, just insulting me and giving me a totally nonsensical reason to deflect from the company 's culpability in this problem. Indeed, his saying my account was close for lack of activity, and not non payment, but then tells me in same sentence that if I had attempt a new charge sooner, it would have been denied for late of payment, he contradicts himself.
XXXX would not address why my billing statements were not sent to methe central reason for the problem. I pointed out his company was not in compliance with the Department of Treasury 's mandates for financial institutions concerning with Address Confidentiality programs, nor the FCBA. By FCBA mandate, companies must send bills to your current address. And that a creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. A creditor cant deny you credit just because you've disputed a bill. And a creditor must provide a statement for each billing period in which you owe or they owe you more than XXXX dollar or on which you have been charged a finance charge.
They did not do any of this. I kept kept trying to make XXXX understand the issues but XXXX then simply hung up on me. He made no attempt to call me back, so clearly this was not a mistake. I took the liberty of recording this call with XXXX.
Their company violated the FBCA, and Treasury Department Law. and instead of fixing an obvious problem in their billing and contact practices, their personnel have doubled down and said, in effect : Oh, I don't understand this, just give him an irrational response and be done with it, hang up on him. Ignore it and it will go away.
I can truly say this situation was the worst customer service experience of my life : And on a problem that was easily addressed, and that they need to do so to comply with the law. To treat a good customer of 25 years this way is outrageous.
In resolution : I want my account reopened, the company should apologize to me for putting me thru this needless hassle. And they need to contact all three credit bureaus and tell them the account closure, and late fees indicated, were incorrect : it was the company 's error, and to make sure all 3 credit s bureaus are thusly corrected.
I thank you for taking the time to read this extensive complaint, and hope you can help me get this a proper resolution.
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04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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To all parties who this concerns, I received your response through the Consumer Financial Protection Bureau ( CFPB Complaint Number : XXXX ) dated XX/XX/XXXX, and submitted to the CFPB on XX/XX/XXXX, in response to the complaint I sent on XX/XX/XXXX. For numerous months, I have acted in good faith and gave Capital One, the benefit of the doubt due to possible miscommunication internally because of the coronavirus pandemic, and possible employees working from home. Unfortunately, you have conducted yourself in nothing but a criminal matter through deceit, lies, and willful non-compliance with federal law that is punishable by jail and severe fines. I do not honor your response. However, I will address authority over it.
Per your Consumer Financial Protection Bureau ( CFPB Complaint Number : XXXX ) response, you confirmed that both respective accounts ending in XXXX and XXXX belong to me. Not once, have I disputed ownership of said accounts. Your response is deceitful, null, void, and unwarranted.
You mentioned I, as the natural-born consumer would like you to delete the information furnished by Capital One consumer credit report, both accounts ending in XXXX and XXXX have no balance and are paid in full. This is federally mandated by Congress and it is your responsibility to accurately furnish data to the Consumer Reporting Agencies, elsewise, as Congress states in 15 U.S. Code 1681 ( a ) ( 1 ), Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Since that is the unobjectionable truth, and in Truth and Commerce you mutually agree with me pursuant to the law I demand my consumer credit profile accurately reflect that and demand that you follow federal guidelines. Again, Your response is deceitful, null, void, and unwarranted.
You also mentioned the closure of my consumer credit cards was based on a business decision by Capital One in accordance with 12 CFR 1026.13, adverse action against a consumer who acts in good faith, is illegal and a jailable offense. I demand my consumer credit cards be reinstated immediately, along with the mutually agreed-upon mentioned remedies.
Alongside this, you state, and I quote, You also mentioned in your complaint that you wanted to know the status of the investigation from last year. Please note that CFPB case number XXXX was closed on XX/XX/XXXX. A copy of the letter is attached for your convenience. For your convenience, I attached the CFPB ( Consumer Financial Protection Bureau ) case number from last year XXXX which was closed on XX/XX/XXXX. The case number XXXX was not, and has never been nor will ever be from XX/XX/XXXX. Please see the attached document below that was attached with the Consumer Financial Protection Bureau ( CFPB Complaint Number : XXXX ) You can confirm, in yellow ink, that I purposefully highlighted the above-mentioned complaint that deserves notice. As of XX/XX/XXXX, I have yet to hear any correspondence from Capital One regarding the fraudulent closure of my credit card accounts, which adversely damaged my personal reputation and ability to obtain credit. By federal law, you are required to respond thirty ( 30 ) days according to mandates set by Congress onto data furnishers, or else you have committed a federal violation pursuant to 15 U.S. Code 1681s-2.
Furthermore, you mentioned that I, the natural-born consumer did not receive a response from my letter dated XX/XX/XXXX. As I quote, You mentioned in your complaint that you did not receive a response from your XX/XX/XXXX, communication. Please note that your letter was sent directly to the CRAs and not to Capital One. Thus, no response from Capital One was generated. Please see the attached document below that was attached with the Consumer Financial Protection Bureau ( CFPB Complaint Number : XXXX ) I believe you, and any third parties who see this would agree as I have that you have little merit to conduct yourselves as verifying complete information when you can not even verify the address of the recipient. As stated and I quote, Weve ( Capital One ) confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the Consumer Reporting Agencies ( CRAs ), to change the information were reporting about these accounts. How are you able to confirm you are accurately furnishing information on behalf of consumers to the Consumer Reporting Agencies when youre unable to properly address concerns and show proper reading comprehension skills? Instead of taking accountability for harming my personal reputation by furnishing inaccurate information on my consumer credit profile and apologizing for said violations, you resort to fallacious statements to a government agency and have the audacity to continue to violate federal law. Again, Your response is deceitful, null, void, and unwarranted.
Furthermore, pursuant to 15 U.S. Code 1681i, you have thirty ( 30 ) days to conduct an investigation and make a consumer aware of said results along with any Consumer Reporting Agencies failure to do so is a federal violation of {$1000.00} or greater. Please see the attached document below, 15 U.S. Code 1681i You are proven to be in federal violation and have failed to meet these requirements that Congress has mandated that every and each data furnisher and Consumer Reporting Agency, who fails to abide by these requirements are liable for damages and federal violations to the natural-born consumer they have damaged as of now, you are voluntary deceitful and acting with willful non-compliance and criminal negligence.
I, the natural-born consumer never received correspondence of any investigation or results that took place. By federal law, if you are unable to verify or conduct an investigation or you are too inadequate to do so, you must thoroughly remove information in regards to the notice of dispute. Please see attached document below, 15 U.S. Code 1681s-2 ( 9 ) ( e ) 15 U.S. Code 1681s-2 ( 9 ) ( e ) was never conducted or made aware to myself, the natural consumer in correspondence with the letter dated XX/XX/XXXX. Therefore, the information must promptly modify that time of information ; delete that item of information, or permanently block the reporting of that item of information.
I, the natural born consumer never received correspondence from you or any Consumer Reporting Agencies within the federally mandated thirty ( 30 ) days. Nor did you follow federal guidelines and mandates.
On XX/XX/XXXX, a notice was sent to Capital One regarding payment on a closed credit card that was paid in full. This was not accurately shown on my consumer credit report, and false information was being furnished to the Consumer Reporting Agencies.
On XX/XX/XXXX, after forty-five ( 45 ) days of no correspondence from Capital One regarding the letter that was previously sent on XX/XX/XXXX, as a natural born consumer I initiated an administrative consumer remedy process as outlined by Congress, to come to mutual understanding in the hopes of communication, guidance, mutual benefit and receive compensation for your gross and incompetent negligence without involving courts. Along with this, I sent an invoice to Capital One for the federal violations, and the violations pertaining to me the consumer. As of XX/XX/XXXX I have filed a proper motion with Federal Trade Commission as well as the appropriate Attorney General to further handle this, should this escalate and you non-comply or take responsibility. Please see attached below, the current violations you have willfully done to me.
Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Financial injury Mental distress Violation of Federal Law 15 U.S. Code 1681o Violation of Federal Law 15 U.S. Code 1681n Violation of Federal Law 15 U.S. Code 1681i Violation of Federal Law 15 U.S. Code 1611 Violation of Federal Law 15 U.S. Code 1640 Violation of Federal Law 15 U.S. Code 1681s-2 Violation of Federal Law 15 U.S. Code 1681s-2 ( 9 ) ( e ) You have caused me greater financial harm and as of XXXX XXXX XXXX, not only have you voluntarily non-complied with federal laws mandated by Congress ( See above ), you have voluntarily lied which makes me doubt your abilities to conduct an accurate and thorough investigation as mandated in 15 U.S. Code 1682s-2.
Furthermore, please be advised Capital One is in commercial dishonor per Uniform Commerical Code 3-502 and is in acceptance of the agreed-upon offer, according to the maxim of law, Silence is Acquiescence see Georgia v. South Carolina - 497 U.S. 376 ( 1990 ) and National Union Fire Insurance Co. v. Ehrlich , 122 Misc . 682 ( N.Y. App. Div. 1924 ). This is a related doctrine that can mean, and have the legal effect, that when confronted with wrong or an act that can be considered a tortuous act, where ones silence may mean that one accepts or permits such acts without protest or claim thereby loses rights to a claim of any loss or damage. See, U.S. Supreme Court Central Pacific Railway Co. v. Alameda County, 284 U.S. 463 ( 1932 ) Furthermore, please be advised Capital One is in commercial dishonor per Uniform Commerical Code 3-502 and is in acceptance of the agreed-upon offer, according to the maxim of law, Silence is Acquiescence [ 1 ] There does herein appear to be an agreement of the parties on the terms and conditions of the contract attached herein and therefore confession of a judgment of the merits is warranted. [ 2 ] is a related doctrine that can mean, and have the legal effect, that when confronted with wrong or an act that can be considered a tortuous act, where ones silence may mean that one accepts or permits such acts without protest or claim thereby loses rights to a claim of any loss or damage. [ 3 ] I am not asking Capital One to alter nor modify any information actively being furnished to consumer reporting agencies, solely for my own discretion. I am demanding Capital One accurately and thoroughly uphold the responsibility they have as data furnishers, and stop giving me XXXX fabrications and XXXX lies. I demand my consumer credit profile immediately be corrected as mandated by federal law and reflect what is being furnished on my consumer credit profile, and carbon copies through XXXX XXXX Compliance are sent out to all Consumer Reporting Agencies that are actively reporting false information that you have willingly gave as mandated by federal law.
Lastly, I am not respectfully asking Capital One for compensation. I am demanding a monetary remedy also known as an administrative consumer remedy process as outlined by Congress. In congruence with the issuance of a new XXXX card, you agreed to the terms of my conditions previously as outlined.
If you continue to dishonor your contract and fail, I will be forced to proceed with legal counsel after the exhaustion of the consumer administrative process.
I trust this response fully addresses you. Please understand that if there are any claims that were not specifically addressed, it does not mean that I agree with those claims.
If you have questions or concerns, please email my personal assistant at XXXX. My personal assistant is available 24 hours a day, 7 days a week.
Best regards, XXXX : XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Enclosures CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints [ 1 ] Georgia v. South Carolina - 497 U.S. 376 ( 1990 ) [ 2 ] National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ).
[ 3 ] U.S. Supreme Court Central Pacific Railway Co. v. Alameda County, 284 U.S. 463 ( 1932 )
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06/06/2017 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This matter refers to CFPB Case Number XXXX and inappropriate CFPB closing the file by notifying me that i : had received an answer from XXXX XXXX XXXX when i : did not. Today, XX/XX/XXXX, i : received a canned and inappropriate answer and subsequent repeated misconduct by the alleged attorney XXXX XXXX XXXX XXXX 's fraud on CFPB as a government body.
Please take notice that XXXX XXXX has incorrectly cited that my complaint has been addressed in previous court decisions. For number of independent reasons, this is a false and fraudulent assertion which mr. attorney is well aware of those fraudulent misrepresentation which are in part elucidated below : 1. CFPB must sanction this attorney 's misconduct as a matter of law based on the following facts : 2. Page 47 of the document that XXXX XXXX XXXX send me, is Instrument Number XXXX which reads as follows and is a nullity as a matter of law, see attachment, XXXX in this instrument number XXXX has attempted to transfer the security out of a closed trust that closed in XX/XX/XXXX ( see attached exhibit as evidence of the closed trust ) to XXXX. XXXX then in instrument number XXXX, ( on page 48 of the instrument that XXXX send to me ) attempts falsely to reinsert the security back into the closed trust that closed in XX/XX/XXXXwhich is clearly in clear violation of Internal Revenue Code 860 ( f ), ( g ) and ( d ) and are ultra vires acts.
3. Ultra vires acts means that trusts were acting outside of their own by laws. Pretender lenders entered into a complex series of transactions to avail themselves of significant tax benefits. Another purpose of the structure was to create bankruptcy remoteness. A critical part of securitization is to establish that the trusts assets are bankruptcy remote, meaning that they could not be claimed by the bankruptcy estate of an upstream transferor of the assets. Congressional Oversight Panel, XX/XX/XXXX Oversight Report Examining the Consequences of Mortgage Irregularities for Financial Stability and Foreclosure Mitigation at n. 35 ( 2010 ). It is against public policy to permit companies such as XXXX, XXXX, XXXX XXXX as trustee and others to violate their own representations to the public, CFPB and to the Government without consequence.
4. Stated differently, CFPB will be aiding and abetting these companies to continue with their money laundering and Ponzi scheme, since there was no loan to me from any of the these fictitious entities if no remedy is availed to me and to all others in the fake trust indentified in CFPB Case Number XXXX also attached. Such a result would not promote the interests of the CFPB.
5. None of my court actions passed the motion the dismiss, inappropriately and incorrectly, therefore none of my declarations and exhibits in CFPB Case Number XXXX, were discussed or addressed in any court.
6. None of the courts that Mr. attorney cited, had or have jurisdiction, because they all were bribed based on facts on records, at USDC, in state court, in XXXX District court of Appeals and in the XXXX Circuit court of Appeals. Again, based on facts on records, those judges were bribed.
7. Here are some additional courteousy evidence to CFPB : attached are true and correct copies of first pages of two instruments filed in county of XXXX XXXX XXXX XXXX XXXX namely : A ) Instrument Number XXXX which is a lease agreement between judge XXXX XXXX XXXX/XXXX 's husband XXXX XXXX XXXX and XXXX University, and i : request that the court take mandatory judicial notice of all evidence presented to CFPB under Fed. Rule 201 ( d ). Pursuant to Fed. Rule 201 ( e ) ; And, B ) Instrument Number XXXX which is Deed of Trust where XXXX XXXX XXXX XXXX is the grantee and judge XXXX and her husband XXXX XXXX XXXX or their so called trust are the Grantor. As it is evident before CFPB, Judge XXXX and XXXX XXXX XXXX have obtained bribes of {>= $1,000,000} labeled as " loans '' on a leased property, which is clearly violation of Title 18 USC 1346.
8. Therefore, as it is evident before CFPB, judge XXXX XXXX XXXX not only obtained bribes labeled as " loans '' on a leased property but also XXXX while obtaining bribes labeled as " loans '' on terms that are not available to the public, also violated XXXX XXXX loan limits. In XX/XX/XXXX ( attached instrument Number XXXX ) when judge XXXX XXXX XXXX obtained her bribe labeled as a " loan '', the XXXX XXXX Loan limit was {$410000.00}, however, judge XXXX received more than $ 1.7M of bribe labeled as a loan on terms that are not available to the public on a leased property which surpassed the XXXX XXXX Loan Limits by ~ 4 folds. How can judge XXXX rebut these facts? lower court 's judge XXXX has been cut red handed and can no longer be a public official with all these baggage, 18 U.S. Code 201 - Bribery of public officials and witnesses.
9. Based on facts on records obtained from the government following Petitioner 's demand under FOIA, XXXX XXXX XXXX XXXX ( lower court judge ) received bribes of {$120000.00} as ofXX/XX/XXXX, and judge XXXX XXXX XXXX received bribes of {$66000.00} as of XXXX from COUNTY OF XXXX XXXX while taking official actions.
10. Attorneys from XXXX XXXX XXXX XXXX brought the matter that the County Court judges were bribed and corrupt back to court inXX/XX/XXXX. In this case known as XXXX XXXX, the three judge appellate court once again ruled in favor of XXXX saying that the counties were violating state law. The appellate judges stated : The bottom line : Sec Section 68220 subdivision ( a ) plainly requires any county paying its judges supplemental benefits as of XX/XX/XXXXto continue to pay its judges supplemental benefits, including all judges who took office afterXX/XX/XXXXalbeit subject to the right of the county in the first two sentences of subdivision ( b ) to terminate those benefits after specified notice. The county has no choice and no discretion to fix judicial compensation, which has thus been prescribed by the Legislature. The opt-out provisions of the first two sentences of subdivision ( b ) provide the only choice a county has in that situation, and even then theres no fixing of compensation, just a choice to pay the prescribed amount or not to pay any supplemental compensation at all.
XXXX XXXX shifted the dynamic. The burden is now on the judges including the administrative judges at CFPB, the Clerk and its deputies, the counties, the local courts, the U.S. Attorney General, the State Legislature, the State Attorney General, the District Attorneys, the Commission on Judicial Performance and the Supreme Court and others to enforce the law. Not only all the orders issued by these bribed judges are void as a matter of law at XXXX XXXX but also the Superior Court judges must either give back all the monies received since XX/XX/XXXXif such were above the annualXX/XX/XXXX level, or the judges and the counties , county supervisors, local courts and presiding judges and employees of both face criminal prosecution on both the state [ California Penal Code Sections 96.5 and 182 ( a ) ( 5 ) ] and federal level [ 18 U.S.C. Section 1346 ]. Additionally, the judges may be impeached by the State Assembly and convicted by the State Senate for misconduct in office. Further, the judges may be removed from office by the Commission on Judicial Performance and the California Supreme Court for taking illegal payments. The question now is will these individuals and entities fulfill their obligations? judicial bribery while taking official actions, vi
olation of 18 USC 1346. 11. Moreover, these judges have been acting in complete
defiance of enacted California and Federal Laws, to wit : 12 CFR 226.15 d, ( 1 ), ( 2 ), and ( 3 ), TILA at 1635 et. seq., Reg Z. by Federal Reserve, and SCOTUS SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( XXXX Cir. XX/XX/XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ) since i : already have my non judicial judgment at TILA 1635 et seq. and CFPB must zealously protect my legal rights at TILA, Id.
12. The biggest mistake lawyers make is jumping into the middle of a fact pattern instead of starting at the beginning. Most foreclosures involve trusts at some point in the chain. And most trust, just like the fake trust identified here, do not exist as " legal persons ''. Without a legal person there can be no " jural act. '' Hence the Court lacks and lacked jurisdiction to perform any act other than the ministerial act of dismissing the foreclosure action in judicial states or striking the substitution of trustee, the notice of default and the notice of sale in
non-judicial states as a matter of law. 13. Any recorded document involving a nonexistent legal person should also be removed from the county records. 14. The fact is that
many trusts do not exist as " legal persons. '' just like the fake trust indentified that had no money to pay to pay for anything and was never formed properly. The drafting of an instrument declaring the intent to create a trust does not create a trust until it is signed by a trustor.
15. A trust instrument that relies upon the attachment of exhibits does not create a trust until the exhibits are attached. 16. The signing of a trust instrument with all the necessary exhibits attached does not create a trust with legal standing to do anything until assets are transferred into the trust. 17. The alleged trust instruments relied upon by foreclosing parties ( complete strang
ers to the alleged financial transactions ) are unsigned. They never had all the exhibits attached, the most important of which of course would be the alleged mortgage loan schedule. And the fake REMIC trusts never, based on facts on records send to CFPB, contained any assets or loans.
18. The reason is quite simple. The pretender lenders never intended to use any of the trusts except as window dressing to cover their actual activities, which is money laundering and Ponzi schemes. 19. The pretender lenders have been relying on misdirection in order to get CFPB and others to take the trust seriously. 20. Since
the alleged trust was never completely and legally formed, it does not and did not exist as a legal person. This is a jurisdictional issue that can not be waived or ignored by any court. Since the trust does not exist and did not exist as a legal person then it does not have any of the rights claimed by Mr. attorney XXXX purporting to represent the alleged trust. It might just as well be XXXX XXXX a fictional character. And anyone who derives their authority from XXXX XXXX, has nothing -- - no rights, powers or obligations except the obligation to represent facts and arguments that are true to the best of the lawyer 's knowledge and belief.
21. All of this is well-known to foreclosure mills and XXXX XXXX XXXX Instead of refusing to act on blatantly invalid void documents and instructions, XXXX proceed because he gets paid to proceed. If XXXX did n't proceed, XXXX would n't get paid. And they would lose a 5 star client.
22. By the admission of XXXX, the alleged trust is and was empty and never had any assets, no other evidence exists to the contrary.
23. CFPB is requested to send safe harbor letters ( frivolous litigation ) that would require both the attorney XXXX and his nonexistent client to pay fees for defending a completely bogus action.
24. The problem is not just that the real party in interest has not been named. The problem is that there is no party entitled to perform any legal act. Hence the jurisdiction of all courts are completely absent ; and any action taken by any of those courts as though the trust existed, is completely void and without any statutory or constitutional authority.
25. This is not a tactical objection in order to obtain a " free house '' for me. It is a direct challenge to all court 's authority to take any action other than issuing a summary judgment and payment of my damages. And it is an invitation to CFPB to take a close a look at foreclosure mills as they do to the low hanging fruit of solo foreclosure defense lawyers who get charged with " foreclosure rescue schemes. ''
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12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
I have this ongoing transaction dispute with Capital One Credit Card since XX/XX/XXXXXXXX regarding a XXXX XXXX transaction. Capital One denied my claim and I resubmitted my claim.
I also submitted a complaint and a claim for refund to UA I am writing to CFPB about the charges I have to pay on my Capital One credit card for a flight I was forced to purchase a Return Ticket from XXXX XXXX when I already purchased a ROUND TRIP ticket on XX/XX/XXXX from the XXXX XXXX ( XXXX ) website for a flight from XXXX to XXXX, and returning from XXXX to XXXX on XX/XX/XXXX.
XXXX only honored the Outbound flight to XXXX but cancelled the return from XXXX to XXXX as the XXXX ticketing agent in XXXX said when I was trying to check in for my return flight to XXXX, that XXXX was not paid for the flight by XXXX XXXX. I didnt understand why this would be relevant to me since I purchased the ROUND TRIP ticket from XXXX in the first place. Due to errors caused by XXXX XXXX and its XXXX XXXX XXXX, I was forced to purchase another ticket for the amount of {$1700.00} to return back to XXXX which I am disputing with Capital One and XXXX XXXX and I am requesting full reimbursement.
What I am requesting from the Consumer Financial Protection Bureaus help are as follows : 1. That XXXX fully reimburse the amount of {$1700.00} which I was forced to pay to purchase the return ticket to XXXX ( XXXX ) because they did not honor my original Round Trip ticket. I should not have to pay twice for something that I had already paid for 2. I paid {$2000.00} plus {$220.00} x 2 for seats ( outbound/inbound seat ) for the original ticket. XXXX XXXX returned my {$220.00} for the cost of the inbound seat that I had purchased plus only a {$200.00} travel voucher as compensation for my {$1700.00} return ticket purchase A brief explanation of how I tried to resolve the dispute with the merchant.
( A ). I reached out to XXXX XXXX multiple times requesting the refund : 1 ) On XX/XX/XXXXXXXX I wrote to them and they responded by rejecting my request.
I pleaded my case again on XX/XX/XXXX and they rejected my request for refund again. Please see XXXX for XXXX XXXX rejection response.
2 ) I reached out to both XXXX XXXX and their partner in XXXX, XXXX XXXX and below are excerpts from their responses : XX/XX/XXXX Response from XXXX XXXX : As I've checked your record, you were able to use your ticket with us and I am unable to locate any open coupons that can be refunded. Your return flight 's ticket control was under XXXX XXXX XXXX XXXX ; therefore, you will need to contact them again to ask for any possible refund.
XXXX. Customer Care - Case ID : XXXX XX/XX/XXXX Response from XXXX XXXX I have checked your reservation and can confirm that your flight was originally booked through XXXX XXXX. Please be advised that XXXX XXXX acts as the service provider only. As the transaction has occurred between you and the XXXX XXXX, we don't have visibility on the details of the transaction.
Your travel agent has full responsibility to act on our behalf in relation to your booking and has all the necessary information to help you further. In line with this, it is best for you to contact them directly for a refund request. Please note that you may also advise your booking agent to call our Industry Support Team for further assistance.
XXXX | XXXX XXXX XXXX XXXX XXXX XXXX I disputed these transactions also with the credit card company Capital One and they responded back to say that the Merchant XXXX XXXX rejected my disputed claims and I had the option to either resubmit my claim and respond to the request for additional information or accept XXXX decision. I chose to respond back and shown on Addendum 12 are the details of the results of my disputed claim and my response back to Capital One Background details : I was forced to purchase for the return flight to XXXX ( XXXX ), confirmation # XXXX, because XXXX XXXX would not honor my original ticket of XXXX XXXX due to errors created by XXXX XXXX and its partner XXXX XXXX when they rerouted my itinerary from ( XXXX XXXX XXXX to XXXX to XXXX to XXXX ) to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX ).
After my first letter to XXXX XXXX requesting my refund I was offered a refund of {$220.00} ( in-bound ) for the seat I had already paid for and also only a {$200.00} travel voucher for my {$1700.00} return purchase.
I have chronicled in details below the timeline and events that had happened since the time I embarked to travel to XXXX on XX/XX/XXXX.
CHRONICLE OF EVENTS XX/XX/XXXXXXXX I purchased a Round Trip ticket* from XXXX XXXX the XXXX XXXX the XXXX XXXX XXXX XXXX for {$2000.00} Departing XX/XX/XXXX and Returning XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My flight itinerary was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email advising me that my itinerary had changed and I was to fly through XXXX XXXX of through XXXX XXXX
Since XXXX where I started my journey did not have a XXXX XXXX counter, all my travel and boarding pass was handled by XXXX XXXX partner XXXX XXXX. At the airport I was informed by the XXXX XXXX ticketing agent that I have to fly to XXXX instead of XXXX. I learnt that it was due to high winds in XXXX. I was able to find an article forwarded to be about the flight disruptions on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My new itinerary that I received in the email regarding my flight changes were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time I received the email I did not notice that on the new itinerary there was NO FLIGHT listed for XXXX for my return as it was on my original itinerary. The return flight started in XXXX instead of XXXX as it should have been.
The XXXX XXXX agent in XXXX was having trouble printing my boarding passes for the new itinerary. She finally printed me a boarding pass from XXXX to XXXX and said I should receive the rest at the XXXXXXXX XXXX I boarded the XXXX XXXX flight from XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX arrival at the XXXX XXXX , I went to the XXXX XXXX XXXX and the XXXX agents printed the boarding passes but it showed NOT VALID FOR TRAVEL in bold letters on the boarding pass. I received emails from XXXX XXXX about my original XXXX flight departing from XXXX while I was at the XXXX XXXX.
XXXX XXXX sent me to the XXXX XXXX counter for assistance to get a valid boarding pass and after going back and forth between the XXXX XXXX counter and the XXXX XXXX XXXX times, XXXX XXXX was unable to fix the issue in time for me to fly out in time on XXXX and the XXXX XXXX XXXX flight from XXXX had left without me. The XXXX XXXX agents left the XXXX counter and I was left with the XXXX XXXX agent to help resolve the issue. XXXX XXXX put me up overnight at an XXXX XXXX where I spent the rest of the afternoon and evening on the phone with both airlines.
After many hours of trying different ways to fix the ticket, one of the XXXX agents said, ( I spoke with too many to remember their names ) she couldnt help me as the ticket was on XXXXXXXX XXXX XXXX and also discovered an error of the missing flight from XXXX.
This error was also on the email I received from XXXX XXXX XXXX where there was a missing flight from XXXX XXXX wanted permission to take over the ticket to fix the error. I was very reluctant but the XXXX agent advised that it might be the best option as VA had already touched the ticket and the only way to fix it was to allow VA permission to take over the ticket.
As the XXXX agent also noticed that the itinerary was wrong with my return journey starting from XXXX XXXX instead of XXXX ( XXXX ), I had to make More calls, more holds, and XXXX hours later after my arrival into XXXX XXXX, my new confirmation number was finally issued by XXXX XXXX XXXX XXXX and I was to fly out from XXXX on XX/XX/XXXX.
The confirmation number in XXXX XXXX system was XXXX and the corresponding XXXX XXXX confirmation number was XXXX XX/XX/XXXX Success! I flew out from XXXX to XXXX XXXX XXXX
XX/XX/XXXX Credit card was paid in Full via auto pay with XXXX charges of {$2500.00} ( {$2000.00} plus {$450.00} for Economy Plus seat ) XX/XX/XXXX I called XXXX to confirm my seat for my departure on XX/XX/XXXX. XXXX, the XXXX agent was able to assign me my XXXX XXXX seat XXXX.
XX/XX/XXXX I received an email from XXXX XXXX reminding me of my upcoming trip to XXXX on XX/XX/XXXX for the flight confirmation number XXXX XX/XX/XXXX XXXX XXXX XXXX Arrived at XXXX XXXX, Terminal C at XXXX XXXX by XXXX for my XXXX XXXX flight.
The printout at the kiosk read, there is an issue with your ticket and I should see a XXXX XXXX representative.
He returned after checking his computer and announced rather loudly that XXXX had canceled my ticket for non-payment by VA. He asked me to step aside and to call XXXX XXXX instead. He offered no assistance.
After experiencing what I did in XXXX, I decided I was not going to stay in a XXXX York or New Jersey hotel as I wasnt sure how long I would need to stay to sort out this issue. Judging by what the rude man said at the XXXX counter it was going to be a long haul.
My sister arranged for a ticket for me to return to Florida where I live with my sister and her husband to resolve this Canceled Ticket issue.
XX/XX/XXXX & XXXX I spent most part of the day and evening on the phone with both XXXX and XXXX None were helpful. I was woken at XXXX XXXX on XX/XX/XXXX, by XXXX, a XXXX XXXXep to whom I spoke to earlier. She suggested for me to get a XXXX agent to speak directly to VA in XXXX, their main office in XXXX but it had to be immediate as they were closing in 2 hours. Not surprising, it was in vain.
During this odd hour call it was finally suggested to me by a XXXX agent that I should buy a ticket back to XXXX and ask for a refund later on XXXX or XXXX. I appreciated her honesty as she could see I was not getting anywhere. I think she felt sorry for me.
At XXXX XXXX the same morning, I booked a One Way ticket* for XX/XX/XXXX and spent another {$1700.00}, despite having already purchased a Round Trip ticket with XXXX XXXX XXXX
XX/XX/XXXX XXXX from XXXX XXXX As I have checked your record, you were able to use your ticket with us and I am unable to locate any open coupons that can be refunded. Your return flight 's ticket control was under XXXX XXXX XXXX XXXX ; therefore, you will need to contact them again to ask for any possible refund.
XXXX XXXX XXXX Case ID : XXXX XX/XX/XXXX Response from XXXX XXXX I have checked your reservation and can confirm that your flight was originally booked through XXXX XXXX. Please be advised that XXXX XXXX acts as the service provider only. As the transaction has occurred between you and the XXXX XXXX, we don't have visibility on the details of the transaction.
Your travel agent has full responsibility to act on our behalf in relation to your booking and has all the necessary information to help you further. In line with this, it is best for you to contact them directly for a refund request Please note that you may also advise your booking agent to call our Industry Support Team for further assistance.
XXXX | XXXX XXXX Guest Contact Centre I had previously sent a letter to XXXX XXXX requesting a refund of {$1700.00} for the ticket I had to purchase to return to XXXX because XXXX XXXX refused to HONOR my original ticketed return flight back to XXXX on XX/XX/XXXX XXXX responded by refunding me back {$220.00} for cost of the seats I had purchased on my original flights plus {$200.00} instead of the {$1700.00} that I was forced to spend on the return ticket.
|
10/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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My car was crashed, and Capital One Auto Finance seems to be involved in unfair practices. The following is notes that I have kept : Timeline of Incidences After Crash XX/XX/XXXX XXXX XXXX Car crash ( No injuries, No other vehicle-car vs. tree ) XX/XX/XXXX XXXX XXXX Florida Highway Patrol made traffic crash report, XXXX XXXX received a text from an officer advising vehicle towed by XXXX XXXX XXXX and XXXX to their tow yard in XXXX Florida. Also, the trooper advised the report would be emailed to me.
XX/XX/XXXX or XX/XX/XXXX ( I am unsure which date they called because I was confused about how they were involved at this point ) I received a call from Capital One Auto Finance requesting my intention with the car. I advised I was claiming it on my insurance. Capital One did not ask for my insurance information. I was thanked for my great payment record, and the representative ended the call.
XX/XX/XXXX I was waiting for the crash report to provide to insurance but decided since Capital One was inquiring, I needed to contact XXXX XXXX XXXX XXXX XXXX. A report was made by XXXX XXXX XXXX and forwarded to XXXXXXXX XXXX XXXX. I received an email from XXXX, providing my claim number and claim representatives name ( XXXX XXXX ).
XX/XX/XXXX I emailed Ms. XXXX regarding the fact that I had the only key that the appraiser will probably need it to appraise the car. I also needed a rental car before the weekend. She called me and said to drop the key at the tow yard and provided me with rental information.I called XXXX XXXX XXXX to drop off key after XXXX, and I asked if there was a dropbox. They advised I would need to meet a driver at the lot and to give them a 90-minute head start to have a driver available. I left work an hour and a half early to get to the lot before XXXX, so I wouldn't have to meet someone. I got there around XXXX XXXX, and no one was in the office even though there was an open sign on the door. I called XXXX 's XXXX again, and the woman was irritated that I didn't let them know in advance that I would be in before XXXX XXXX. I said I was sorry ; I thought she said I had to give them notice if I was coming after XXXX XXXX. I waited on the driver and provided him with the key. I wanted to retrieve my belongings, but I didn't have my registration, so I said I would be back the following day.
XX/XX/XXXX I went to the tow yard and advised the registration must be in the car. I was able to take my property, including my car tag. I signed a release statement to release the car to the insurance company, then went to XXXX to pick up my rental. In the meantime, XXXXXXXX XXXX XXXX sent an appraiser to check the vehicle at the tow yard. ( XXXX XXXX XXXX ) XX/XX/XXXX I received a voicemail from the appraiser ( XXXX XXXX ). I called him back and was advised that he couldn't see the damage under the hood. He asked which body shop to send the car. They will know more after getting the car on a lift. I advised I wanted it sent to XXXX XXXX in XXXX, FL.
XX/XX/XXXX I received a call from Ms. XXXX advising the car was repairable. She asked which body shop we wanted to use. I advised ( again ) XXXX XXXX in XXXX. I said I told the appraiser the same yesterday. I said since it was not at the body shop yet, I was curious if the appraisal was completed. She assured me it was, and said she would send a check in my name along with my husband, and XXXX XXXX.
XX/XX/XXXX I received the check in the mail. Also, I received a notice from the post office that I had certified mail from XXXX XXXX XXXX. I wasn't overly concerned about the certified mail from XXXX XXXX XXXX because I thought the car was sent to XXXX XXXX XXXX.
XX/XX/XXXX I called XXXX Monday morning to find out when I should bring the check. XXXX did not have my car. I then called XXXX XXXX XXXX, and they advised that my car was picked up by the lienholder ( Capital One Auto Finance ). I then called Capital One and spoke with someone named XXXX ( no last name provided ) and was advised they picked up my car to secure it because the tow yard could auction it off if it stayed there too long. I let them know that it was in the middle of an insurance claim. He asked for my claim #, insurance agency name, and claim representatives information. He said someone at Capital One would call the insurance representative and determine how to get the car to the right place. He also sent a fraud claim resolution letter to my email address naming me as a victim and stating the trade line would be deleted from my credit reports. Email sent to Ms. XXXX to advise the situation. She didn't understand why the lienholder was involved. She thought I called them. I told her I did not. I told her they would contact her. Also, I mentioned again that I thought the appraisal was not complete. She advised that it was ; that the body shop could request supplemental checks if necessary.
XX/XX/XXXX I emailed Ms. XXXX asking if Capital One contacted her yet.
XX/XX/XXXX Email received from Ms. XXXX, no contact from Capital One. I called Capital One again. I spoke with XXXX ( no last name provided ) I was told they could not speak with Ms. XXXX because she wasn't on my account. He asked how I intended to pay the impound and repossession fees. I said that I wasn't, insurance should cover me. I provided permission for Ms. XXXX to call and straighten everything out. Ms. XXXX called Capital One and was advised the fees must be paid by debit card. They wouldn't accept a check from insurance. She called me back. She said I could pay upfront, and insurance would pay me back. I said I don't have money. This is not my fault. She said to get Capital One to provide a bill, and they would send me a check, then I could cash it and pay for the fees. I called Capital One back and didn't get the person 's name ( all calls were recorded ) and asked for the bill, so insurance could pay and was told they do not have the ability to print the bill/invoice. Maybe I could stop at a Capital One store. I asked where I might find a Capital One store, and the man said he didnt know. I looked for one, and the closest is over 200 miles away. Email back to Ms. XXXX to ask for the fee information because I was at the hospital all day as my grandchild was being born, so I didn't have paper and pen or time to write the amounts down. She emailed me back with the info and then said they could only cover the impound fee ( {$350.00} ), not the repossession fee ( {$290.00} ). I called the impound yard ( XXXX XXXX ) to get a bill to provide to the insurance company. I was given the number to the actual lot ( XXXX XXXX ). I had to leave my phone number for a callback. Another call to Capital One advising they should waive the repo fee because it was not my fault. The car is paid in advance every month. I was told by XXXX ( she provided her id " XXXX '' ) that they could email me a reinstatement notice that will only show the total of both the repo and impound fees. She said she could help by putting {$190.00} of the repo fee to the end of my loan, but everything has to be paid upfront.
Checked mailbox for physical mail ( none received ) and put signed USPS to leave the certified letter from XXXX XXXX XXXX so I could see precisely what Capital One received.
XX/XX/XXXX Checked mail for any notices. ( none received ) XX/XX/XXXX No email received from Capital One. No callback from the impound lot. I called Capital One. XXXX ( Id # XXXX ) answered. I advised I needed a supervisor. He forwarded me to their Customer Advocacy Team. I spoke to XXXX ( ID # XXXX ). I complained that I did not receive a bill. She said there was an issue with emailing it to me. I explained that no one contacted me before picking up the vehicle. She said she would check to see if anyone called. I said if they called, they would have needed to leave a voicemail, which they did not. XXXX said it would have only been as a courtesy anyway. She said I was in breach of my contract. I said, It makes no sense that I have paid all payments on time, and the car was taken while insurance was handling the claim. How am I in breach of my contract? She didnt have an answer. I was not notified in any way so that I could attempt to contact the insurance rep to get the car removed into their custody. She said I would be receiving a notice of intent in the mail. I said, Ok, so Im receiving it in the mail, which will take more time. I thought the issue was saving tow yard fees. It is sitting in an impound lot now. She put me on hold. When she returned, she stated that the letter was being emailed to me, which included the {$290.00} repo fee. ( I suppose the deal to add {$190.00} to the end of my loan is off the table. ) We ended the call. I emailed XXXX XXXX at XXXX XXXX. The following is the email in its entirety : Good morning. I finally got Capital One to provide a document. I can not pay the fee for the repossession, and they refuse to waive it. They said Capital One attempted to contact your office before impounding it. The point is that I didn't receive notice from XXXX XXXX XXXX, Capital, nor your office advising me that the car was being repossessed. I know that you were not aware because I was able to speak with you after it was impounded elsewhere. XXXX ( id # XXXX ) at Capital one said that insurance dragged their feet, so they had to secure their interest. I asked why no one called me. She said that she would check to see if they did. I said if they did, they needed to leave a voicemail, and they did not. She said they were not required to. It would have been a courtesy call. I am filing a complaint with the State Attorney at this point. This is so unfair. XXXX XXXX Call received from Ms. XXXX. I explained my conversations with Capital One. She was going to speak with her supervisor. I filed a complaint on XXXX XXXX with the Florida State Attorney General. Call received from insurance, and they will write a check for the total. I must pick up the check and put it in my checking account. Then call Capital One with the debit card and pay the fees. The insurance is adding it to the amount of the claim.
I checked my mail to see if I received any notices from yesterday around 3 pm. the box was empty.
XX/XX/XXXX I checked my mail this morning. Yesterday 's mail was there. I received my certified notice from XXXX XXXX XXXX dated XX/XX/XXXX. I saw that the Postal Carrier initialed and dated when he or she first brought the letter, when they received my signed notice back, and when the letter would be returned to XXXX XXXX XXXX. I also received a notice from Capital One dated XX/XX/XXXX. Upon reading both notices, I discovered that XXXX XXXX XXXX sent their notice to all entities involved, so I guess they operate under a first-come, first-serve basis. I see they quote Florida Statutes stating they can sell the vehicle after 35 days. Capital One picked up the car sometime after the appraiser appraised the car on XX/XX/XXXX and before XX/XX/XXXX when I discovered the car was missing. The notice Capital One Provided came after the date of picking up the vehicle as it is dated XX/XX/XXXX. I called them on XX/XX/XXXX, thinking they would apologize ; instead, they are holding the car hostage requiring fees. I say they are using unfair practices, and because they are a big company, they think they can push me ( their own customer ) around. I expect it from the towing company, but not from my finance company when I followed the rules.
I apologize for this long complaint, but I have had a lot going on between these companies. At this time, my insurance company has provided a check for the fees, and we ( myself and the insurance company ) are unsure if the car is even repairable. In the end, I will still probably be held responsible for everything. I will attach everything I can for your review. I thank you in advance for your assistance.
|
03/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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To : Capital One Disputes Executive Team ; Via Consumer Financial Protection Bureau From : XXXX XXXX XXXX Re : Remove Transaction Rebill Immediately I have been filing this claim for some time and met with more than considerable resistance including inappropriate mannerism, tone and tenor on behalf of members of Capital one that have mitigated my rights. This is not true of all members of your organization however it is true and I am providing some basic information to address the matter of a transaction rebill that I do not accept and refuse to pay for. I was told that the matter was resolved and nothing further was needed on more than one occasion including from an initial female case manager subsequent to XXXX correctly filing the claim which for some reason wasnt done previously and recently around XX/XX/XXXX after the case remained resolved for some time as representatives both in customer service and the disputes department communicated to me on a recorded line on various occasions when I asked out of concern since the credit was posted including after speaking with the person handling my claim ( female ). On XX/XX/XXXX the disputes department had no concerns even speaking with managers and the individual responsible for handling my case.
I am requesting a copy of those conversations about my claim supporting the fact that it was resolved and accepted it as resolved be documented. I called in the past to work with capital one but being told by XXXX 2 days ago that the claim cant be approved when responding to a vague call of 2 working days prior ( from XXXX ) only to learn the person was not available and I was rebilled for a matter that was orally communicated to me was resolved and because it is beyond 120 days when a successful application was already achieved is perceived by me as dishonest and unacceptable practice among other things that were done to me during my conversation with her and her subordinate as part of a theme to mitigate my rights including not transferring me to someone who could speak for capital one immediately where she could/would not and not naming her supervisor and concealing important information. It was conveyed that I accepted what I was told and offered and it couldnt be rescinded. I referred to my rights and an accepted oral agreement. My recollection is she agreed and then began to change her answer to still attempt to deny my claim which I told her was unacceptable. It seemed once she grasped my right claim her words were tailored in an opposing direction.
It was explained on my call last at XXXX XXXX when I could not sleep because of frustration with this matter that I accepted what was communicated by capital ones customer service and disputes department with respect to nothing further being needed and the claim finalized prior to the rebill. She claimed she could not see it in the notes but did not offer to reinstitute the claim, receive any of the alleged requested documentation ( in lieu of me being told nothing was needed ) was unreceptive to what I was saying and appeared to know little about the history of the claim yet in a short period of time made decisions about my case that were not relevant to the case as it was and then said you never responded to the letter ignoring what was communicated saying I cant see it here in the notes on the XXXX and not mentioning or providing the name of the female person who called shortly after XXXX Filed the claim successful claim or any notes that dispute person would have noted.. She did not I have spent over 100 hours of time working on this matter that should have been dedicated to academic and professional pursuits and have cost me in opportunities beyond the time. Much of that time should have not been necessary in a proper culture such as this recent change on of a Transaction Rebill on Friday, XX/XX/XXXX.
After speaking with XXXX in disputes today I am providing some basic information about the claim which he indicated could still be done. Should you need more I can be reached at XXXX. My concern is that in repeating this work the claim that was resolved may become unresolved and I refuse to accept this loss because of issues caused by capital one. I therefore refuse to pay any of the rebill amounts as I communicated to XXXX on Tuesday XX/XX/XXXX. I can not begin to express my frustration and confusion with why oral correspondence on a recorded line is not an acceptable medium for resolving a matter as XXXX and her subordinate deemed.
I no longer have access to the email address used for the vendors, including XXXX XXXX and XXXX XXXX. I do have access to XXXX which I will attach.
We have documented ( case managers including the successful ones ) and prepared the concerns repeatedly about a defective product causing undesirable outcomes including taking away the property I paid for and removing not just the initial financial investment but the investment of time and resources playing the game to evolve a character and even watching, responding to purchasing ads to receive in game currency. In the case of XXXX XXXX I have tried contacting them and can not. They have completely removed every trace of my account and without my consent taken my property away including the property that was paid for with my capital one credit card. I have begun to act based on the case and am preparing a dispute for my bank account based on this claim and can not afford this unnecessary delay in filing that claim due to small issues that were apparently resolved and now arising again because of related and redundant activity.
I just find it strange how this matter transpired and I was treated by more than one person and need you to remove the rebill immediately. In addition please review the communications standard, procedures with your staff in terms of proper demeanor, tone, tenor and not yelling at customers as it seems it is applied differently depending on whom I speak with acting in a harmful and improper manner. This is not my experience with everyone in your company and is the reason I have remained a customer but a harmful subculture does appear to exist.
Please confirm receipt.
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX XXXX XXXX ) Canceled XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX XXXX XXXX ) Canceled XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX Package ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Canceled XX/XX/XXXX {$19.00} XXXX Apps XXXX XXXX Pack ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Canceled XX/XX/XXXX {$4.00} XXXX Apps XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$12.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps VXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXr XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX - 21 Days ( XXXX XXXX : XXXX XXXX XXXX ) XX/XX/XXXX {$11.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XX/XX/XXXX {$27.00} XXXX Apps XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$49.00} XXXX Apps XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XX/XX/XXXX {$43.00} XXXX Apps XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$5.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps IXXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$3.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$74.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$3.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$92.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$92.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$3.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$6.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$3.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$6.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$99.00} XXXX Apps XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$0.00} XXXX Apps XX/XX/XXXX call in subsequent to sending documentation in to Capital one via email. Spoke with XXXX in disputes who questioned aspects of the claim that had already been resolved in the past saying repeatedly you waited too long to file the claim. I explained repeatedly that that issue was resolved and doesnt need to be addressed. No matter what I said he asked again why wait for so long and it was apparent he didnt know the case. It is very frustrating to keep spending time on this matter especially when thay say things like it is likely to get denies and we are leaning much more towards denial now. He said it has always been that way and I told him it was the first time I was hearing that. It seems that there is not aa good understanding of what I was saying although I repeated myself multiple times. I explained that it was communicated in the past that the matter was resolved. He raised the 120 day issue even after I told him multiple times that it was approved by XXXX and was told the case was complete. The fact that he kept coming back to the same issue shows his unwillingness to listen to what I was saying. XXXX talked about how my claim wasnt strong and more information is needed to win including you will likely be rebilled so we wont file it. He seemed to be discussing typical situations, would not allow me to get a copy of the phone records requested, said cant really file a claim and its leaning toward a recharge. I told him an investigation was needed into the matter of me being told all was complete. He would not start an investigation into the phone records to confirm that I was told there were no issues that should have caused the transaction rebill. Without viewing accounts he said it was too old andwhy any claim was being filed, not listening to my concern that this was already approved by XXXX as communicated to me from capital one and that no further action from me was needed which is now changing and evolving with each person who touches this claim. I refuse to accept a loss because of capital ones issues including time and resources. During investigations the money should be restored and requested information provided. This was not done and my request for an investigation was ignored. The pattern of misreprese4ntation and arbitrary attacks has continues. He said the claim was not strong without taking much time to review the claim then needed to review the claim and what was sent to see if it was strong. It seems his mind was made up before reviewing anything. I will not allow my rights to be harmed and demand my losses restored including any and all of those mentioned in these letters.
XXXX XXXX XXXX
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09/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just XXXX or repeat exactly what Capital One states without the requisite XXXX XXXXXXXX independent unbiased inquiry. Capital One can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of Capital One accounts on my credit file. If Capital One wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for Capital One, only a JURY can resolve the dispute at this point as credit reporting agencies can not just XXXX known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by Capital One and accepted by me, only a JURY can provide Capital One with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether Capital One acted appropriately. While Capital One does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from Capital One and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by Capital Ones no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. Capital Ones information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. Capital One affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if XXXX XXXX and COVID-19. I accepted expected promised relief which Capital One refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after 30 plus hours of calls. Capital Ones reporting is so bad that CRAs are now put in actual notice that any reply by Capital One is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from Capital Ones illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of Capital One is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and COVID-19. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally XXXX for the JURY. The grave responsibility imposed by the FCRA must consist of something more than XXXX information received from other sources, XXXX information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by Capital One and others to provide the offered 3 months of unconditional payment deferrals. During all multiple Capital One conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. Capital Ones refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that Capital One repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that Capital One would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of Capital Ones discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm.
I could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified US mail return receipt requested to put Capital One, XXXX, XXXX, XXXX and all closed account creditors including XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to Capital One and all closed accounts. CRAs can not assume Capital One receives and processes my dispute so they must securely deliver the complete complaint with exhibits to Capital One so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE Capital Ones accounts without waiting for a Capital Ones response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, Capital One needs to address each and every point in detail as would be expected in a U.S. Supreme Court decision unless it prudently instructs every CEA to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that Capital One and every CRA does not have to admit or deny wrongdoing.
I could continue and continue but at this point I will stop. Any one point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief.
I respectfully request : 1. The immediate and permanent deletion of each and every one of my accounts of Capital One from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from Capital One and any violating CRA {$1000.00} statutory damages against Capital One and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by Capital One and other lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, PARROTING, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I may be entitled to statutory, punitive and other damages for FCRA willful violations which damages may exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my Capital One and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively XXXX other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the US District Court in XXXX.
Sincerely, XXXX XXXX
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01/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Box 1 What Happened I am submitting a complaint about how the chargeback dispute process and the claims and defenses claim I requested were handled by the Capital One Financial Corporation, Capital One Quicksilver VISA Credit Card, Capital One Transaction Support Center. Case # XXXX. Included is the list of attachments. ( Attachment 00 ) My Capital One Quicksilver VISA Credit Card ( Capital One ) chargeback dispute and claims and defenses claims involves XXXX XXXX XXXX, owned by XXXX XXXX ( XXXX ).
On XX/XX/XXXX I telephoned Capital One and opened my chargeback dispute claim for charges made by XXXX : {$4200.00} billed on XX/XX/XXXX plus, {$2000.00} and billed on XX/XX/XXXX, and corrected/credit amount of {$1100.00} billed on XX/XX/XXXX. These 3 charges total : {$7400.00}.
On XX/XX/XXXX I spoke to XXXX, Capital One agent, who informed me that I will received a letter by XX/XX/XXXX that will cover the dispute process and monthly payments due. I received a letter dated XX/XX/XXXX from the Capital One Transaction Support Center ( COTSC ) requesting additional information and the completion of a form due by XX/XX/XXXX. ( Attachment 1 ) On XX/XX/XXXX I called and requested information about my case. I spoke with COTSC, XXXX who said he will send a security link that is valid for 14 days and be sure and use my case # on the subject line. I received an email dated XX/XX/XXXX regarding uploading documents and needing supporting documents. ( Attachment # 2 ) Due to several health issues that I had to address, I requested an extension of the due date of XX/XX/XXXX to provide additional information and the form. I sent an email on XX/XX/XXXX acknowledging that I had received an extension due date. ( Attachment # 3 ) I was given an extension date and a secure link by COTSC, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I Uploaded Reference # : XXXX additional information : 2 pages letter, Invoice # XXXX {$4200.00}, Invoice # XXXX {$3600.00} corrected, health issues XXXX XXXX 2 documents, XXXX website page guarantee info, XXXX XXXX-XXXX improper installation info. ( Attachment # 4 ) Then I receive a letter dated XX/XX/XXXX through a secure link that informs me that my case is closed because I had not met the timeframe for filing a chargeback dispute. ( Attachment # 5 ) This is conflicting communication. Also, COTSC uses the USA Postal system to send letters. I have told Capital One that often mail does not get to the correct mail box. I live in a XXXX XXXX. There are outdoor mailboxes in different parts of the community. Unfortunately, mail does not always get to the right person and/or address. In addition, whenever I call or communicate with COTSC, I always have a different person/agent who reviews my concerns. I often asked why there is not just one person who oversees a case. I was never given a reason or clarification. This type of communication only adds to the confusion.
On XX/XX/XXXX I called COTSC to confirm that they received my uploaded documents, I spoke with Dispute Department agent XXXX. I was informed that that a letter dated XX/XX/XXXX was sent. It stated that my case was closed. I told her that I had not received the letter and requested it be sent again. XXXX was not able to reopen my case. Later, I called again and I spoke with Supervisor XXXX who read my XX/XX/XXXX letter. He said he will escalate to the dispute team to reopen my case.
I received another letter dated XX/XX/XXXX though a secure link. My case has been reopened, more information is requested, and my extended due date is now XX/XX/XXXX. ( Attachment # 6 ) I uploaded, using reference # XXXX, additional information. ( Attachment # 7 ) ( Attachment # 7a ) On XX/XX/XXXX I called COTSC and spoke with XXXX ID XXXX who confirmed I had until XX/XX/XXXX to respond.
I received a USA Postal mailed letter dated XX/XX/XXXX confirming COTSC will send letters that were originally sent to me. ( Attachment # 8 ) Received letters dated XX/XX/XXXX and XXXX XXXX. ( Attachment # 9 ) However. I never received a letter requesting additional information for {$2000.00}.
On XX/XX/XXXX I called COTSC and spoke with Dispute Manager XXXX. XXXX finally clarified what was going on. He explained that the timeframe starts with the date of invoice received and not at the time of a chargeback dispute request. XXXX said the reason I was getting letters requesting more information was because COTSC was trying to resolve my request internally due to the fact that I had not meant the time frame. He confirmed I had until XX/XX/XXXX to respond. XXXX said he would call me on XX/XX/XXXX to follow up. Again unfortunately, XXXX did not call me on XX/XX/XXXX.
On XX/XX/XXXX when I tried to upload my additional information, I found out that the secure link had expired on XX/XX/XXXX. I made several calls and finally the Fraud department sent me another secure link. ( Attachment # 10 ) I uploaded, using reference # XXXX, COTSC letter. ( Attachment # 11 ) I did not receive any responses form COTSC.
On XX/XX/XXXX, I submitted a Claims and Defenses claim. I uploaded my claim using reference # XXXX. ( Attachment # 12 ) I uploaded, using reference # XXXX, COTSC XX/XX/XXXX letter response and my response to the COTSC. ( Attachment # 13 ) The COTSC XX/XX/XXXX does not mention my Claims and Defenses claim that goods or services were mispresented and not delivered by XXXX XXXX XXXX, owed by XXXX XXXX. Instead it states the claim is closed and to contact the merchant. XXXX XXXX XXXX, owed by XXXX XXXX is not a merchant. And the letter does not reference the Federal law ( 15 USC 166i ).
My efforts to work with Capital One is confusing. I was unable to get COTSC to give me their Chargeback Dispute decision making process and COTSC have ignored and/or acknowledged me effort to initiate my Claims and Defenses case. In addition, their policy to use the USA Postal system is time consuming especially when dealing with time sensitive documents and due dates.
I am unable to sort out and separately address the Capital One VISA credit card charges due to the way XXXX billed me for its services and materials purchased. At this moment, invoices, charges, receipts are so intertwined that I am not sure I can show exactly what was charged for whatever. I never got a response from my last email from XXXX. ( Attachment # 14 ) My efforts to work with XXXX and COTSC is exhausting and frustrating.
I am not an accountant. I am not sure what I owe compared to what has been charged to my XXXX and Capital One credit cards. At a quick overview, I think I have been doubled billed and have over paid charges on my credit cards. In my opinion, XXXX XXXX record keeping is a mess. Review XXXX Invoices, Estimates, and Receipts Attachment # 7c.
Invoice Clarifications : There are no clear explanations for work completed, no specific list of materials used with cost amounts, no copies of merchant receipts on any of the documents/invoices provided by XXXX XXXX.
Invoice # XXXX : Services Provided by XXXX XXXX, XXXX XXXX Posted Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} My request for a specific invoice of {$1800.00} was not provided. XXXX XXXX has not listed the services and materials for the charge of {$1800.00}. Instead I received an email saying that a credit for {$1800.00} was applied to Invoice XXXX. ( Attachment # 15 ) I did not authorize this transaction to apply the {$1800.00} to my Capital One VISA credit card. I have no receipts with date, merchant, merchant address for products provided by XXXX XXXX. This invoice charge was deducted and put towards an invoice and to my Capital One card without consulting me first. I did receive a paid receipt for the {$1800.00}. I do have an email by XXXX that states that {$1800.00} was deducted from the amount due on Invoice # XXXX. However, when I attempted to add the different amounts on Invoice # XXXX I could not get a total of {$1800.00}. XXXX XXXX has received {$1800.00}.
Invoice # XXXX does list the same work Install Exterior Door and Demo Wall as the Estimate # XXXX for {$1800.00}. Invoice # XXXX lists other services not related to the estimate. I was unable to find a combination of charges for {$1800.00} on Invoice # XXXX amount of {$2900.00}. Receipt {$0.00} Due for Invoice XXXX.
Invoice # XXXX shows I paid {$2900.00}. This is not correct. I only paid {$1100.00}. XXXX XXXX received {$1100.00}. The amount of {$2900.00} minus {$1800.00} credit equals {$1100.00}. I never received a breakdown of how the {$1800.00} was used that left a balance of {$1100.00}. No merchant receipts.
Invoices # s XXXX and XXXX and the XXXX {$1800.00} receipt are all intertwined. The invoices # s XXXX and XXXX and the XXXX Receipt do not clearly show what was charged to Capitol One : - Invoice # XXXX is used for charges to Capital One and XXXX XXXX.
The Capital One Invoice XXXX was originally {$3600.00} but a deduction of Invoice {$1500.00} paid by a XXXX XXXX card reduced it to {$2000.00}. This amount was paid to Capital 1 and is on my XXXX/XXXX Statement on XX/XX/XXXX.
- I received a 2nd billing for {$2000.00}. It appears this was sent through XXXX XXXX and includes Truste Certified Privacy.
- Invoice XXXX {$2900.00} : I have never paid {$2900.00} to anyone. This invoice is related to the {$1800.00} deducted from {$2900.00} and was charged to my XXXX XXXX card. I did not authorize these changes to my credit cards. ( I still owe {$1800.00} ). {$2900.00} minus {$1800.00} equals {$1100.00}, the amount that was charged on Capitol 1 and shows on my XXXX/XXXX statement paid on XX/XX/XXXX.
Invoice # XXXX {$4200.00} and Invoice # XXXX line item Flooring {$110.00} plus tax : XXXX XXXX has not provided all the information about the XXXX XXXX XXXX. He has not given the name of the merchant, the date purchased from the merchant, the address of the merchant, and how to contact the merchant. I need the receipt so that I can obtain the warranty.
XXXX XXXX XXXX, is not a merchant. XXXX XXXX , XXXX owned by XXXX XXXX who bought the XXXX XXXX XXXX XXXX and then invoiced me. I do not know what he actually paid for the flooring.
My efforts to work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is still ongoing. But my efforts have been unsuccessful so far. XXXX XXXX XXXX XXXX XXXX has not responded to my request for mailing address to file a complaint. ( Attachment # 16 ) This is a charge on my XXXX Credit Card but installation costs are on my Capita 1 credit card.
The following charges were made to my XXXX XXXX Credit Card. They are posted on my XXXX and XXXX Statements : XXXX Trans Date XX/XX/XXXX XXXX NC for the amount of {$1500.00} XX/XX/XXXX ) Trans Date XX/XX/XXXX XXXX XXXX for the amount of {$1800.00} 2 ) Trans Date XX/XX/XXXX XXXX for the amount of {$1500.00} Again, the Capital One and XXXX credit cards are involved. I have not attached the XXXX XXXX MC XXXX and XXXX Statements. But I can supplied them if they are needed. Again, charges on the XXXX Credit Card are related to charges on my Capital One Credit Car.
I have attached the email letter I sent to XXXX ( Attachment # 17 ) The email letter is accompanied by 22 other Attachments. I have attached the List of Attachments ( Attachment # 18 ) but not the Attachments. If you need these Attachments please let me know.
I contacted XXXX, an online website that connects homeowners with local home improvement contractors. XXXX XXXX , XXXX, is one of the referred contractors. I have heard from XXXX. They are presently reviewing all the information I provided. XXXX has been very cooperative and helpful.
If you need additional information, please let me know.
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09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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06/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX RE : Judgement and Collection attempts made in violation of my rights under the Fair Debt Collection Practices Act & CT FTC C.G.S.A. 36a-646 Prohibited acts *No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..
Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, CT XXXX Capital One Bank USA N.A.
XXXX XXXX XXXX XXXX XXXX, VA. XXXX I am at the mercy of my Attorney State General, CFPB, & Superior Courts. I was never given a fair or just trial, never received official court documents. I have no knowledge as to why other Firms and their Attorneys were involved in a case that was only assigned to XXXX XXXX XXXX. I need your help desperately in resolving this serious matter. I believe whole heatedly I am the victim of misconduct, and deceptive tactics that have been used against me. I will provide any documentation to support my claim.
1. ) XX/XX/XXXX Attorney XXXX XXXX ( juris id # XXXX ) filed an appearance on behalf of Capital One Bank against me for an alleged debt owed. Not only did I NEVER receive this court document it was being sent allegedly to my sisters home whom NEVER received it.
I have no idea if this attorney was allowed to practice in Connecticut at this time. The reason I want to shed light on this concern is because he checked a box on the appearance that states the following : This appearance is in place of the following attorney, firm or self represented party on file ( P.B. sec 3-8 ) and lists XXXX XXXX XXXX XXXX juris id # XXXX.
This is quite confusing to me as XXXX XXXX XXXX has been deceased since XX/XX/XXXX. Furthermore, the XXXX XXXX XXXX XXXX XXXX is a completely different law firm & address as opposed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are 2 different firm ID 's on this appearance? It is also here I would like to point out what a believe to be a blatant misconduct by XXXX XXXX.
Attorneys have a set of Rules and Conduct that must be maintaining the integrity of the profession. Rule 8.4 : MISCONDUCT section ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation. I have the court document to prove my claim their was deceit on the part of XXXX XXXX, deception using a deceased mans name and firm when you have your own, and misrepresentation. More conclusive deception on the part of XXXX XXXX is that Capital One Bank assigned my case ONLY to XXXX XXXX XXXX. My case was NEVER assigned to the Law Offices of XXXX XXXX XXXX XXXX.
2. ) XX/XX/XXXX, there was a small claims writ and notice of suit filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and allegedly sent to my sisters home at XXXX XXXX XXXX XXXX XXXX, CT. XXXX. I NEVER received this communication as I did not live with my sister and my sister never signed documentations for me from this firm. A point worth mentioning, again a firm that was never assigned to my case and XXXX XXXX and XXXX XXXX XXXX appear no where on this document?
Furthermore, this document states that it was mailed first class at least 4 weeks before the small claims action was filed and that the letter was not returned by US Postal Service and dated XX/XX/XXXX. Which was signed by an XXXX XXXX Esq.
I have no idea yet again why this attorney appears on this document? I have no idea if she was allowed to practice in Connecticut at this time. XXXX XXXX is most associated with XXXX XXXX Massachusetts and Vermont online and a law firm ( XXXX XXXX XXXX ) who shows all of their team but not XXXX XXXX . I can not even find her on CT Attorney lookup? Also under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is not found there here is the link XXXX XXXX XXXX.
3. ) On XX/XX/XXXX XXXX XXXX an attorney that works for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. signed a Statement of Service that delivery of small claims writ was sent to me. I NEVER received it and to boot XXXX XXXX was never assigned to my case. XXXX XXXX XXXX were.
Not to mention XXXX XXXX is listed on page 2 of this document under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 's address and not even listed as an attorney? How is it possible that XXXX XXXX signed off on an official document saying that it was in fact delivered to me by her when the return address has a XXXX XXXX named? Why was it not also sent by XXXX XXXX?. Also a point worth mentioning, my sister never signed for this allegedly sent document.
4. ) On XX/XX/XXXX Capital One charged of the alleged debt they claim I owe of {$3300.00}. I have no idea how this alleged debt was calculated or arrived to be said amount. I do not know if XXXX XXXX XXXX purchased the debt from Capital One for pennies on the dollar?
Capital One told me when I spoke with a XXXX XXXX on XX/XX/XXXX approximately XXXX XXXX that Capital One still owns the alleged debt. She also told me that XXXX XXXX XXXX was the ONLY firm assigned to my case. Additionally, the last payment I made to Capital One was in XXXX of XXXX.
5. ) XX/XX/XXXX there was a Judgement Without Trial. A Disposition that I NEVER received and stated I answer by XX/XX/XXXX was filed against me. Checked was a Judgment for the Plaintiff after Default without Hearing in Damages. The total in damages was {$3300.00} and it also had payment arrangements I never made on it. This document was dated XX/XX/XXXX.
Most importantly this document was only signed NOT Printed as well and signature looks nothing like XXXX XXXX 's which should have appeared there since he was assigned to my case? More-so, I beg someone to answer this who was the Plaintiff in my case? XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or Capital One because I am beyond confused? This is not only misrepresentation, that would be understatement this is deceit!
6. ) On XX/XX/XXXX Attorney XXXX XXXX filed for an execution of my bank account. This time using a different Juror Id # XXXX. He had sent the information to my sisters home in XXXX again. He checked on this document that I defaulted on an installment payment order of {$35.00} I NEVER agreed to or saw! I never was given my right to file the affidavit of claim exemption because I never received it. In XXXX of XXXX I was so busy with the holidays, my daughters, bills and so forth I never even realized that {$320.00} was taken from my XXXX XXXX account! I just learned of that today. XXXX XXXX never gave me any notification? They even charged a {$110.00} fee on top of it all! I just learned of this today.
7. ) On XX/XX/XXXX an application for execution was filed with the court against me again! Again the document was sent to my sisters home. I NEVER received them nor did she. This brings us back to the present day and current status in which they drained my ENTIRE account {$1000.00}. I realize there is a 15 day period in which to send in the form for exemption however I just found out today because XXXX XXXX XXXX are not sending the official documents to me.
The funds levied on XX/XX/XXXX were exempt funds and the ENTIRE account was drained. These were funds for living costs, groceries, gas back and forth to work, tools needed for jobs, insurance, clothing, and air conditioner for the summer.
Under Connecticut State law I believe there should have been only 25 % of my funds taken. Amount subject to levy. The maximum part of the aggregate weekly earnings of an individual which may be subject under this section to levy or other withholding for payment of a judgment is the lesser of ( 1 ) twenty-five per cent of his disposable earnings for that week, or ( 2 ) the amount by which his disposable earnings for that week exceed forty times the higher of ( A ) the minimum hourly Enforcing Money Judgments - 11 wage prescribed by Section 6 ( a ) ( 1 ) of the Fair Labor Standards Act of 1938, USC Title 29, Section 206 ( a ) ( 1 ), or ( B ) the full minimum fair wage established by subsection ( i ) of section 31-58, in effect at the time the earnings are payable. Unless the court provides otherwise pursuant to a motion for modification, the execution and levy shall be for the maximum earnings subject to levy and shall not be limited by the amount of the installment payment order. Only one execution under this section shall be satisfied at one time. Priority of executions under this section shall be determined by the order of their presentation to the employer. Conn. Gen. Stat. 52-361a ( f ) ( 2017 ).
I am having this document notarized to be sent to Consumer Financial Protection Bureau and my CT. State Attorney General. I never signed for or received any court related documentations. A judgement was executed without any correspondence or notification sent to me. I was never sent any interrogatories by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or Capital One.
I implore you to find a signature of mine having received one document from any of these entities. Please help me get my money back and resolve a horrible wrong. The Rules of Professional Conduct have been violated as well as my rights.
Sincerely, XXXX XXXX them nor did she. This brings us back to the present day and current status in which they drained my ENTIRE account {$1000.00}. I realize there is a 15 day period in which to send in the form for exemption however I just found out today because XXXX XXXX XXXX are not sending the official documents to me.
The funds levied on XX/XX/XXXX were exempt funds and the ENTIRE account was drained. These were funds for living costs, groceries, gas back and forth to work, tools needed for jobs, insurance, clothing, and air conditioner for the summer. Under Connecticut State law I believe there should have been only 25 % of my funds taken.
Amount subject to levy. The maximum part of the aggregate weekly earnings of an individual which may be subject under this section to levy or other withholding for payment of a judgment is the lesser of ( 1 ) twenty-five per cent of his disposable earnings for that week, or ( 2 ) the amount by which his disposable earnings for that week exceed forty times the higher of ( A ) the minimum hourly Enforcing Money Judgments - 11 wage prescribed by Section 6 ( a ) ( 1 ) of the Fair Labor Standards Act of 1938, USC Title 29, Section 206 ( a ) ( 1 ), or ( B ) the full minimum fair wage established by subsection ( i ) of section 31-58, in effect at the time the earnings are payable. Unless the court provides otherwise pursuant to a motion for modification, the execution and levy shall be for the maximum earnings subject to levy and shall not be limited by the amount of the installment payment order. Only one execution under this section shall be satisfied at one time. Priority of executions under this section shall be determined by the order of their presentation to the employer. Conn. Gen. Stat. 52-361a ( f ) ( 2017 ).
I am having this document notarized to be sent to Consumer Financial Protection Bureau and my CT. State Attorney General. I never signed for or received any court related documentations. A judgement was executed without any correspondence or notification sent to me. I was never sent any interrogatories by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or Capital One. I implore you to find a signature of mine having received one document from any of these entities. Please help me get my money back and resolve a horrible wrong. The Rules of Professional Conduct have been violated as well as my rights.
Sincerely, XXXX XXXX
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03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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It has been brought to my attention that there are Billing Errors with my Auto Loan with Capital One Auto Finance per 12 CFR Part 1026 ( Regulation Z ).
I have reached out to them to correct the matter several times and have not received any correspondence back.
There was lack of Full Disclosure, Deception, Deceit, Fraud and Racketeering.
I sent a billing error dispute resolution with cover letter, cease and desist, affidavit of truth, exhibits and certified mail receipts.
Fact, I am a federally protected consumer and holder in due course pursuant UCC 3-306.
Fact, the account in question was opened in XXXX, XXXX, with, CAPITAL ONE FINANCIAL CORPORATION, using my personal identification and credit card information as defined in XXXX U.S.C. 1602 ( l ).
Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.
Fact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to CAPITAL ONE FINANCIAL CORPORATION, online, using my personal debit card information.
Fact, I, the affiant, have received several statements including the subject matter of an attempt to collect an alleged debt for Account number XXXX.
Fact, I, the affiant, have reason to believe and do so believe that all past, present, and future billing statements received by CAPITAL ONE FINANCIAL CORPORATION are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened XXXX XXXX XXXX.
Fact, I, the affiant, am aware that CAPITAL ONE FINANCIAL CORPORATION, failed to provide me with the General Disclosures which are requirements pursuant 12 CFR 1026.17 and is a violation of said section.
Pursuant to 12 CFR 1026.13 - Billing Error Resolution I, XXXX XXXX, dispute account number XXXX in the amount of {$33000.00}. I have submitted correspondence to CAPITAL ONE FINANCIAL CORPORATION to rectify this matter and it has yet to be resolved.
Fact, I, the affiant, am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account.
Please furnish documentary evidence in accordance with 15 U.S. Code 44 of record of accounts where CAPITAL ONE FINANCIAL CORPORATION awarded me, XXXX XXXX, with any payment pertaining to this alleged debt.
Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is a fact, affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account # XXXX. Until then, CAPITAL ONE FINANCIAL CORPORATION can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute.
Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ).
Fact, I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ).
Fact, I, the affiant am aware, that, CAPITAL ONE FINANCIAL CORPORATION as the creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by CAPITAL ONE FINANCIAL CORPORATION will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for CAPITAL ONE FINANCIAL CORPORATION for the actual damage caused to I, the affiant.
Fact, I, the affiant am aware, CAPITAL ONE FINANCIAL CORPORATION, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Fact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 CAPITAL ONE FINANCIAL CORPORATION is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his rights as the debtor in this consumer credit contract against CAPITAL ONE FINANCIAL CORPORATION for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
Fact, in accordance with 15 U.S.C. 1666d, if there is a credit of account balance with surplus over {$1.00} dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance directed to I, the consumer by check. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount.
Fact, I, the affiant, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ) Fact, CAPITAL ONE FINANCIAL CORPORATION shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments.
Pursuant to 12 U.S. Code 5562 ( c ) ( 10 ) - Production of Document Material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter. Without this documentary evidence, there is no evidence of this alleged debt.
Pursuant to 12 U.S. Code 1831n ( 2 ) ( a ) - GAAP Audit Trail, Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP Audit Trail in accordance with 12 U.S. Code 1831n ( 2 ) ( a ), and without this documentary evidence to properly address this subject matter, there is no evidence of this alleged debt.
Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract that includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void.
Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence.
I the affiant has reason to believe and do so believe CAPITAL ONE FINANCIAL CORPORATION has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Fact, without an affidavit response with a rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.
Fact, I, the affiant am aware, an unrebutted affidavit stands as truth in commerce.
Fact, I, the affiant, am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.
Furthermore, CAPITAL ONE FINANCIAL CORPORATION used my open-ended credit plan in accordance with 16 C.F.R. 433.2 ( a ) to furnish which furthermore proves they did not extend credit to me in regard to this alleged debt.
Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt.
Notice it is fact that I the affiant am aware that the false character of the amount of this alleged debt is in violation of 15 U.S. Code 1692e ( XXXX ) ( a ). XXXX has proof of this violation as CAPITAL ONE FINANCIAL CORPORATION alleges I owe an alleged debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in violation of TILA.
Pursuant to 18 U.S. Code 8 - Obligation or Other Security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States.
I have included a copy of the bill as proof of a billing error. See Exhibit 1.
Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by CAPITAL ONE FINANCIAL CORPORATION herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
California Rule California, in the minority of states, applies the mailbox rule to option contracts as well. In Palo Alto v. BBTC Co., 11 Cal.3d 494 ( 1974 ), the Court held, In California the effective upon posting rule has received legislative sanction and is the declared policy of this state. As previously explained, when the notice of exercise of the option is viewed as an acceptance of an irrevocable offer, such notice is clearly covered by section 1583.
Notice to Agent Noti
ce Knowledge U.C.C. 1-202
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09/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This regards my Capital One Travel Card and Capital One 's refusal to 1 ) honor a travel credit and 2 ) refund me for flights that I was refused service on. This concerns capital one case number : XXXX This concerns a disputed transaction in the amount of {$5400.00}. XXXX travel miles were used to fund this purchase, in addition to {$4300.00}. We expect a full refund of travel miles and monetary amounts, for reasons explained below. The disputed {$5400.00} transaction consists of two flights : ( XXXX ) outbound from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX to XXXX to XXXX. The costs were split down the middle for each leg after the application of our Capital One Travel miles. These were first class tickets. In dealing with our complaint, Capital One has ignored that this concerns separate transactions and erroneously focuses on one leg -- a concession that at least half the charge we dispute is improper on its face. Below, I first discuss the factual details pertinent to leg one and my entitlement to a refund due to erroneous, and likely fraudulent, representations made by Capital One Travel agents. Second, I discuss leg two ( return to XXXX ), and the factual details relevant to our entitlement to a refund due to the egregious mistreatment detailed therein. Leg One ( XXXX to XXXX XXXX ) My husband and I ere scheduled to depart from XXXX on XX/XX/2023, at XXXX p.m. on XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. Approximately XXXX hours before our scheduled departure time on XX/XX/XXXX, I called Capital One Travel for assistance rescheduling our flight to the following day as I was unable to get to the airport due to emergency circumstances out of our control. I reached a Capital One agent, who told us that I was well within the time frame for us to reschedule the trip and that there would be ( 1 ) no issue refunding the full cost for leg one ( including travel credit ) used to purchase the tickets and ( 2 ) applying the equivalent amount ( i.e., half of {$5400.00} ) toward booking another flight the following day to the same destination. However, the Capital One Travel agent stated that to effectuate the refund and apply the credit to book a new flight, I would first have to call XXXX XXXX to cancel our flight directly. I followed Capital One Travels instruction to do so and called XXXX XXXX to cancel our flight, which they did. When I called Capital One Travel back to utilize our refunded travel credits and rebook our flight, the new agent that I spoke with indicated that he was unable to refund the travel credit and rebook with the credit because the flight was cancelled by XXXX XXXX. This was contradictory to the instructions explicitly provided by the prior Capital One Travel agent. Under no circumstances would I have canceled our flight with XXXX XXXX if I knew the Capital One agent was going to refuse to provide us a refundI did so, to my detriment, based explicitly on the promises and representations made by Capital One Travel and its agents. At this point, Capital One Travel refused to utilize our promised travel credit to rebook the flight through Capital One Travel. The Capital One Travel agent further told us that he was unable to book the flight at all and stated we would have to work directly with XXXX XXXX. I did so, at a significantly increased costall based on representations by Capital One Travel. In effect, I was defrauded out of the right to refund and use travel credits through Capital One Travel and forced to incur additional expenses in booking the flight through XXXX XXXX directly. Capital One did not refund the cost of the cancelled flight onto our Capital One credit card and it must now do so. Leg XXXX ( XXXX to XXXX ) In the afternoon of XX/XX/XXXX, my husband and I arrived at XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX ) around XXXX XXXX and navigated through customs and security without incident. When our boarding group was called, I lined up and showed the ticketing agent our boarding passes and passports. The ticketing agent told us both to proceed with boarding by walking across the tarmac approximately XXXX feet to the waiting aircraft. Once at the aircraft steps, I once again showed my boarding pass and passport to another XXXX XXXX agent and was informed I needed to step aside and could not board. I asked for an explanation as to why I was suddenly being prevented from boarding and the XXXX XXXX agent stated that my boarding pass contained a passport number that did not match her passport. This was a lie. As I explained to the agent at the time, my boarding pass did not contain any passport number on it indeed, no boarding pass, including mine, contained any passport information and, even if it did, the XXXX XXXX employee who reviewed the boarding pass made XXXX effort to review my passport, meaning it was impossible for him to determine in the few seconds he looked at my boarding pass that the numbers did not match. After a few minutes of standing on the XXXX tarmac without any explanation as to why we could not board, an XXXX XXXX employee told me that I was randomly selected for a secondary screening and that I would need to walk the approximately XXXX feet back to the airport terminal. I was informed that I could not accompany my husband and that he had no choice but to board the flight without me. This was extraordinarily bizarre to us as I had already gone through the security screening process and had shown her boarding pass to XXXX XXXX security officials and the gate/ticketing agent without issue and without any indication that further security screening was necessary. Further, we observed that other passengers who had been selected for secondary screening were informed of the screening on the loudspeaker in the airport terminal prior to boarding. I had not received any such notice or announcement. To that end, I asked for an explanation about what type of screening was now suddenly required and why, and none was given. At this point, I was extremely concerned for my safety, given XXXX XXXX refusal to explain why I needed to undergo additional screening at this late juncture in the boarding process and the suspicious and erroneous reasons that were being offered. In asking to return to the terminal alongside my husband, I explained to XXXX XXXX that it would make me more comfortable if we could remain together as we were traveling in a foreign country. I am a petite framed woman who was now being inexplicably pulled from the plane steps as she was about to depart a foreign country ; our request to remain together, or at least within eyeshot of each other, was entirely within reason. I further explained I suffer from anxiety and wanted an accommodation, as my husbands presence would make me feel safer.
Instead, XXXX XXXX ignored our requests and demanded, again without reason, that XXXX go with them alone despite already having passed through multiple screening processes without issue. Notably, they did not take my bags with them, undercutting any notion that they were genuinely interested in conducting a legitimate security screening of my belongings. I was terrified but complied with their requests and followed the XXXX XXXX employee back to the gate without issue. At the now-empty terminal, I was told to sit down and shut up by a group of female XXXX XXXX XXXX XXXX The XXXX XXXX agents continued with their wildly inappropriate behavior by throwing my items onto the airport floor. When I asked the agents if she would be able to board after the search, as I was now alone in the terminal, the XXXX XXXX agents jeered at me and refused to answer. Meanwhile, my husband was still seated on the airline and all other passengers had boarded. An XXXX XXXX agent informed him that the flight was leaving and that if he left the flight, he could not reboard. Facing the option of leaving his wife behind in a foreign country, he was forced to exit the plane so he could rejoin my wife and ensure her safety. He walked the approximately XXXX feet back to the empty terminal where he saw my me ; I was shaken and was surrounded by XXXX to XXXX XXXX XXXX agents. The employees promptly backed up when they saw my husband enter the terminal and continued to snicker with each other. I asked for an explanation as to how we could fly home as they had needlessly and arbitrarily prevented us from flying on our purchased flight and the XXXX XXXX agents told us to exit the area and go down to the XXXX XXXX ticketing counter to re-book our flights. When we went downstairs in attempt to do so, the XXXX XXXX agent at the ticketing counter told us she was inexplicably unable to book us another flight. Indeed, they stated they would only be able to rebook us if by giving us a direct call, which we found strange. Nevertheless, we returned to our hotel and waited for the callto this day, no one from XXXX XXXX has reached out. If we did not book another flight, as detailed below, we would effectively be stranded at XXXX XXXX. After returning to our hotel, and realizing XXXX XXXX was going to be unhelpful, we promptly booked return flights home with XXXX XXXX for the following day. Unfortunately, we were forced to incur significant monetary damages in connection with XXXX XXXX inexplicable and arbitrary failure to permit us to board our purchased flight. These costs include a stay at the XXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX, our main cabin seating flight home via XXXX XXXX, round-trip taxi transportation to and from the airport/hotel, additional meal expenses, and additional long-term parking at XXXX XXXX XXXX XXXX. We were so distraught by the bizarre event that we contacted the XXXX XXXX to report the incident and filed a police report with the XXXX XXXX police XXXX We also drafted a detailed legal demand letter which we sent to XXXX XXXX XXXX Department via first class mail to ensure delivery. XXXX XXXX did not respond, nor have they refunded the flight to our Capital One credit card on which the flight was purchased. Capital One Travel can not allow XXXX XXXX to wrongfully keep payment for which no service was rendered. Because the flight was purchased through Capital One XXXX, Capital One must refund the value of the flight. In sum, we expect that this information is sufficient to establish our right to a full refund of the disputed fee and travel miles. We think Capital One should honor its agents statements to us and issue a full refund for the disputed fee. Thus far, this case is a clear example of Capital One Travel failing to honor their agents explicit promises ( and, thus, the type of corporate fraud and abuse State and Federal agencies are designed to protect against ).
Company 's Actions to Date To date, we have explained all of this to Capital One, with documentation. Capital One 's latest response stated that they closed the matter because we failed to provide certain information -- this is false. As can be seen from the detailed explanation above, we have provided all information available to us -- Capital One, for its part, refuses to take its blinders off and actually investigate this matter, and instead is clearly trying to just avoid this matter and give us the runaround. Capital One further continues to blame XXXX XXXX, stating it is with them, which is nonsensical -- the entire purpose of a chargeback is for the credit card company to resolve the dispute on their end, with the proof we have provided, and then deal with the merchant themselves
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09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never been late and I am demanding to see proof that I was pursuant to the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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09/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This regards my wife and I 's Capital One Travel Card and Capital One 's refusal to XXXX ) honor a travel credit and XXXX ) refund my wife and I for flights that we were refused service on. This concerns capital one case number : XXXX This concerns a disputed transaction in the amount of {$5400.00}. XXXX travel miles were used to fund this purchase, in addition to {$4300.00}. We expect a full refund of travel miles and monetary amounts, for reasons explained below.
The disputed {$5400.00} transaction consists of XXXX flights : ( XXXX ) outbound from XXXX to XXXX to XXXX to XXXX ; ( XXXX ) XXXX to XXXX to XXXX. The costs were split down the middle for each leg after the application of our Capital One Travel miles. These were first class tickets. In dealing with our complaint, Capital One has ignored that this concerns separate transactions and erroneously focuses on XXXX leg -- a concession that at least half the charge we dispute is improper on its face.
Below, we first discuss the factual details pertinent to leg XXXX and our entitlement to a refund due to erroneous, and likely fraudulent, representations made by Capital One Travel agents. Second, we discuss leg XXXX ( return to XXXX ), and the factual details relevant to our entitlement to a refund due to the egregious mistreatment detailed therein.
Leg XXXX ( XXXX to XXXX XXXX ) We were scheduled to depart from XXXX on XX/XX/2023, at XXXX XXXX. on XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. Approximately XXXX hours before our scheduled departure time on XX/XX/XXXX, we called Capital One Travel for assistance rescheduling our flight to the following day as we were unable to get to the airport due to emergency circumstances out of our control. We reached a Capital One agent, who told us that we were well within the time frame for us to reschedule the trip and that there would be ( XXXX ) no issue refunding the full cost for leg XXXX ( including travel credit ) used to purchase the tickets and ( XXXX ) applying the equivalent amount ( i.e., half of {$5400.00} ) toward booking another flight the following day to the same destination. However, the Capital One Travel agent stated that to effectuate the refund and apply the credit to book a new flight, we would first have to call XXXX XXXX to cancel our flight directly. We followed Capital One Travels instruction to do so and called XXXX XXXX to cancel our flight, which they did.
When we called Capital One Travel back to utilize our refunded travel credits and rebook our flight, the new agent that we spoke with indicated that he was unable to refund the travel credit and rebook with the credit because the flight was cancelled by XXXX XXXX. This was contradictory to the instructions explicitly provided by the prior Capital One Travel agent. Under no circumstances would we have canceled our flight with XXXX XXXX if we knew the Capital One agent was going to refuse to provide us a refundwe did so, to our detriment, based explicitly on the promises and representations made by Capital One Travel and its agents.
At this point, Capital One Travel refused to utilize our promised travel credit to rebook the flight through Capital One Travel. The Capital One Travel agent further told us that he was unable to book the flight at all and stated we would have to work directly with XXXX XXXX. We did so, at a significantly increased costall based on representations by Capital One Travel.
In effect, we were defrauded out of the right to refund and use travel credits through Capital One XXXX and forced to incur additional expenses in booking the flight through XXXX XXXX directly.
Capital One did not refund the cost of the cancelled flight onto our Capital One credit card and it must now do so.
Leg XXXX ( XXXX to XXXX ) In the afternoon of XX/XX/XXXX, my wife, XXXX XXXX, and I arrived at XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX ) around XXXX XXXX and navigated through customs and security without incident. When our boarding group was called, my wife and I lined up and showed the ticketing agent our boarding passes and passports. The ticketing agent told us both to proceed with boarding by walking across the tarmac approximately XXXXXXXX XXXX to the waiting aircraft. Once at the aircraft steps, my wife once again showed her boarding pass and passport to another XXXX XXXX agent and was informed she needed to step aside and could not board.
We asked for an explanation as to why my wife was suddenly being prevented from boarding and the XXXX XXXX agent stated that her boarding pass contained a passport number that did not match her passport. This was a lie. As I explained to the agent at the time, my wifes boarding pass did not contain any passport number on it indeed, no boarding pass, including mine, contained any passport information and, even if it did, the XXXX XXXX employee who reviewed the boarding pass made XXXX effort to review my wifes passport, meaning it was impossible for him to determine in the few seconds he looked at my wifes boarding pass that the numbers did not match.
After a few minutes of standing on the XXXX tarmac without any explanation as to why we could not board, an XXXX XXXX XXXX XXXX XXXX that she was randomly selected for a secondary screening and that she would need to walk the approximately XXXX XXXX back to the airport terminal. We were informed that I could not accompany her and that I had no choice but to board the flight without my wife.
This was extraordinarily bizarre to us as XXXX had already gone through the security screening process and had shown her boarding pass to XXXX XXXX security officials and the gate/ticketing agent without issue and without any indication that further security screening was necessary. Further, we observed that other passengers who had been selected for secondary screening were informed of the screening on the loudspeaker in the airport terminal prior to boarding. We had not received any such notice or announcement. To that end, we asked for an explanation about what type of screening was now suddenly required and why, and none was given.
At this point, we were both extremely concerned for my wifes safety, given XXXX XXXX refusal to explain why my wife needed to undergo additional screening at this late juncture in the boarding process and the suspicious and erroneous reasons that were being offered. In asking to return to the terminal alongside my wife, I explained to XXXX XXXX that it would make us more comfortable if we could remain together as we were traveling in a foreign country. My wife is a petite framed woman who was now being inexplicably pulled from the plane steps as she was about to depart a foreign country ; our request to remain together, or at least within eyeshot of each other, was entirely within reason.
Instead, XXXX XXXX ignored our requests and demanded, again without reason, that XXXX go with them alone despite already having passed through multiple screening processes without issue. Notably, they did not take my wifes bags with them, undercutting any notion that they were genuinely interested in conducting a legitimate security screening of my wife. She was terrified but complied with their requests and followed the XXXX XXXX employee back to the gate without issue. I did not know where my wife had been taken or when and if she would rejoin me.
At the now-empty terminal, my wife was told to sit down and shut up by a group of female XXXX XXXX XXXX XXXX The XXXX XXXX agents continued with their wildly inappropriate behavior by throwing my wifes belongings onto the airport floor. When she asked the agents if she would be able to board after the search, as she was now alone in the terminal, the XXXX XXXX agents jeered at her and refused to answer. Meanwhile, I was still seated on the airline and all other passengers had boarded. An XXXX XXXX agent informed me that the flight was leaving and that if I left the flight, I could not reboard. Facing the option of leaving my wife behind in a foreign country, I was forced to exit the plane so I could rejoin my wife and ensure her safety.
I walked the approximately XXXX XXXX back to the empty terminal where I saw my wife, who looked shaken and was surrounded by XXXX to XXXX XXXX XXXX agents. The employees promptly backed up when they saw me enter the terminal and continued to snicker with each other.
I asked for an explanation as to how we could fly home as they had needlessly and arbitrarily prevented us from flying on our purchased flight and the XXXX XXXX agents told us to exit the area and go down to the XXXX XXXX ticketing counter to re-book our flights.
When we went downstairs in attempt to do so, the XXXX XXXX agent at the ticketing counter told us she was inexplicably unable to book us another flight. Indeed, they stated they would only be able to rebook us if by giving us a direct call, which we found strange. Nevertheless, we returned to our hotel and waited for the callto this day, no one from XXXX XXXX has reached out. If we did not book another flight, as detailed below, we would effectively be stranded at XXXX XXXX.
After returning to our hotel, and realizing XXXX XXXX was going to be unhelpful, we promptly booked return flights home with XXXX XXXX for the following day.
Unfortunately, we were forced to incur significant monetary damages in connection with XXXX XXXX inexplicable and arbitrary failure to permit us to board our purchased flight. These costs include a stay at the XXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX, our main cabin seating flight home via XXXX XXXX, round-trip taxi transportation to and from the airport/hotel, additional meal expenses, and additional long-term parking at XXXX XXXX XXXX XXXX.
We were so distraught by the bizarre event that we contacted the American embassy to report the incident and filed a police report with the XXXX XXXX police XXXX We also drafted a detailed legal demand letter which we sent to XXXX XXXX XXXX Department via first class mail to ensure delivery. XXXX XXXX did not respond, nor have they refunded the flight to our Capital One credit card on which the flight was purchased.
Capital One Travel can not allow XXXX XXXX to wrongfully keep payment for which no service was rendered. Because the flight was purchased through Capital One Travel, Capital One must refund the value of the flight.
In sum, we expect that this information is sufficient to establish our right to a full refund of the disputed fee and travel miles. We think Capital One should honor its agents statements to us and issue a full refund for the disputed fee. Thus far, this case is a clear example of Capital One Travel failing to honor their agents explicit promises ( and, thus, the type of corporate fraud and abuse State and Federal agencies are designed to protect against ).
Company 's Actions to Date To date, we have explained all of this to Capital One, with documentation. Capital One 's latest response stated that they closed the matter because we failed to provide certain information -- this is false. As can be seen from the detailed explanation above, we have provided all information available to us -- Capital One, for its part, refuses to take its blinders off and actually investigate this matter, and instead is clearly trying to just avoid this matter and give us the runaround.
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08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
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Capital One and XXXX continue to report a charged off account. Under federal law any consumer account that incurs a finance charge should be reimbursed to me the consumer withing 7 days upon the written request of the consumer. I have request Capital One to send my payment and I have not received it.
Capital One is not allowed to collect on a discharged debt. Per the IRS once a debt is discharged it is considered a certificate of indebtedness which is income and income can not be reported to the reporting agencies.
In Capital One terms and conditions they agreed not to share my information with non affiliates unless it was the credit bureaus, The only credit bureau recognized by the government is the CFPB and they do not furnish credit report.
XXXX, XXXX, and XXXX are independent companies with no affiliation to Capital One thus Capital One is breaking privacy laws by releasing my non public information.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
1026.13 Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accor
dance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
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11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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I am a federally protected CONSUMER under title 15, chapter 41. I am a natural person and the original creditor in all consumer credit transactions in which I have participated in.
Kohls/ Capital One has violated 12 CFR 1002 Regulation B by failing to notify me in writing that they were taking adverse action and closing account ending in XXXX The account was closed after a billing error dispute with the account ending in XXXX in which Kohls/ Capital One remains in dishonor for failing to perform a discharge or mutual offset with the U.S. Treasury . It seems, Kohls/ Capital One performed an unauthorized credit check to cover up the illegal adverse action. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any `may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Kohls/ Capital One is unable to produce the authorization from me to check my credit before closing the account ending in XXXX.
12 CFR 1002 Regulation B states : ( 1 ) When notification is required. A creditor shall notify an applicant of action taken within : ( iii ) 30 days after taking adverse action on an existing account; or ( iv ) 90 days after notifying the applicant of a counteroffer if the applicant does not expressly accept or use the credit offered.
( 2 ) Content of notification when adverse action is taken. A notification given to an applicant when adverse action is taken shall be in writing and shall contain a statement of the action taken; the name and address of the creditor ; a statement of the provisions of section 701 ( a ) of the Act ; the name and address of the Federal agency that administers compliance with respect to the creditor ; and either : ( i ) A statement of specific reasons for the action taken; or ( ii ) A disclosure of the applicant 's right to a statement of specific reasons within 30 days, if the statement is requested within 60 days of the creditor 's notification. The disclosure shall include the name, address, and telephone number of the person or office from which the statement of reasons can be obtained. If the creditor chooses to provide the reasons orally, the creditor shall also disclose the applicant 's right to have them confirmed in writing within 30 days of receiving the applicant 's written request for confirmation.
Kohls/ Capital One committed fraud by saying they were unable to perform the discharge, yet keeping the 1099A, and failing to provide a Notice of Dishonor from the U.S. Treasury , and a copy of the accounting paperwork for the account such as 1096, 1099OID, 1099A, INC , PRC etc. Kohls/ Capital One continued to commit fraud by claiming they notified me of the adverse action when that was not the case.
Kohls/ Capital One most likely illegally checked my credit to come up with the excuse that the account ending in XXXX was in bad standing when it never was. Kohls/ Capital One previously received via certified mail XXXX XXXX XXXX XXXX XXXX and secure messaging, Non-Negotiable Notice of Default in Dishonor and Estoppel. The notice stated that since the account ending in XXXX was not credited via a discharge or mutual offset and Kohls/ Capital One failed to properly honor my counter claim to Kohls/ Capital One offer to contract, I therefore owe nothing, there can be no negative reporting to the credit reporting agencies and this matter should have been closed and settled.
UCC 3-603 ( b ) states that : If tender of payment of an obligation to pay an instrument is made to a person ( in this case Kohls/ Capital One ) entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. A tender of payment was presented was presented to Kohls/ Capital One in the form of a negotiable instrument. Since the tender was refused, and the principal account was not credited, there is discharge. This fact can not be refuted in the court of law. https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to UCC 3-104, a negotiable instrument is ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; and ( 2 ) is payable on demand or at a definite time ; https : XXXX Pursuant to Notice of dishonor ( Bills of Exchange Act ) 95 ( 1 ) Subject to this Act, when a bill has been dishonored by non-acceptance or by non-payment, notice of dishonor must be given to the drawer and each endorser, and any drawer or endorser to whom the notice is not given is discharged. The NON-NEGOTIABLE NOTICE OF ACCEPTED CREDIT ISSUED both requested a notice of dishonor from a qualified third party if the expressed instruction could not be fulfilled. Due to the fact the bill was dishonored, a notice of dishonor was to be sent to each drawer ( XXXX XXXX XXXXXXXX ) XXXX However, XXXX : XXXX never received a notice of dishonor from Kohls/ Capital One or the qualified third party ( U.S. Treasury ) therefore the account ending in XXXX was to be discharged rather than inaccurately reported as late or past due. This is another fact that can not be refuted in the court of lawXXXX XXXX XXXX XXXXXXXX # : ~ : XXXX % XXXX ( XXXX ) % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX.
Kohls/ Capital One has willfully and negligently placed inaccurate information on my consumer report for account ending in XXXX which is a defamation of my character and a violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Under 15 USC 1681a - Definitions ; rules of construction, in particular 15 USC 1681a ( 2 ) ( B ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. Furthermore, a credit card is defined under the Truth in Lending Act or 15 USC 1602 under Definitions and rules of construction, as : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Any card refers to the fact that my own credit card or social security number in this context was used when I did business, therefore my own social security number was used to extend credit to myself in these transactions.
Continuing with USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included.
Transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine therefore these accounts listed above must be deleted immediately.
Under 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ; Congress finds that ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. It is obvious that my right to privacy as a consumer has been violated by publicly reporting this inaccurate information when I NEVER gave Kohls/ Capital One permission to report in the first place.
As per 15 USC 1666 ( b ) entitled Timing of payments under ( a ) Time to make payments clearly states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Kohls/ Capital One is continuing to report late payments for the account ending in XXXX which is yet another violation of 15 USC 1681s-2. In Responsibilities of furnishers of information to consumer reporting agencies, where we see ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Of course, prohibition means something that is not allowed. This law says a person ( in the legal sense a person is a corporation like Kohls/ Capital One ) shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I repeat and reiterate that I NEVER gave Kohls/ Capital One or any other agency written permission to furnish information about account ending in XXXX on my consumer credit report.
In conclusion, The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
These blatant violations committed by Kohls/ Capital One impair the efficiency of the banking system. Kohls/ Capital One has violated my privacy with my consumer report, as I am the only one who can control what is listed and what is not.
Since these accounts were reported without my written consent, that is considered identity theft. These violations are excessive and lead way to civil liability against Kohls/ Capital One under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.
Since Kohls/ Capital One has refused to provide validation of the account ending in XXXX i.e. an agreement with the wet ink signature of both parties, nor has Kohls/ Capital One provided a valid document where I gave written permission to check my credit and to report on my consumer report then Kohls/ Capital One must immediately remove account enging in XXXX from the credit reporting agencies, or pay me at least {$1000.00} per violation as the law provides. Kohls/ Capital One is responsible for my suffering of defamation of character, stress, loss of opportunities etc. due to Kohls/ Capital One violation of the FCRA.
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01/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
Transaction Date : Posted Date : Description : Amount : XX/XX/2018 XX/XX/2018 XXXX {$1000.00} XXXX On XX/XX/2018, I XXXX XXXX , made a reservation via the XXXX- XXXX XXXX XXXX XXXX website for a stay from XX/XX/2018, through XX/XX/2018. Note : Apparently they are affiliated with XXXX in which is what reflects on my credit card statement. I never agreed for my personal information including my credit card account number to be shared with XXXX. I was under the impression that all my information was only going to be shared with XXXX.
Original reservation was for a condominium privately owned located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, with a living area square footage of 1,282.
|Refer to Exhibit # 1 | On XX/XX/2018, two days prior to checking in for my intended reservation, the owner of the condominium XXXX XXXX , notified me via email that she was moving me to another condominium that she owned due to a slight possibility that the swimming pool at original condominium reserved might be closed during the week of our stay. XXXX Refer to Exhibit # 2 | Reservation was moved to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, 0.6 miles away, with a living area square footage of 960 | Refer to Exhibit # 3 | XXXX XXXX XXXX Appraisers Office. Living space record of original condominium reserved and living space of condominium moved to. The condominium moved to was 322 square feet smaller than original reservation| Exhibit # 4.0 and 4.1 | On XX/XX/2018, I replied to Mrs. XXXX email making her aware that it concerns me that the condominium in which she moved me to was smaller than the original condominium on my reservation. Note : Two days before the check-in date was extremely short notice and unacceptable. I kind of accepted the last minute change due to the fact that with only two days prior to checking in, it was going to be a challenge to find another property where to stay with my family. |Refer to Exhibit # 5.0 and 5.1 | The distance between original condominium reserved and condominium moved to was 0.6 miles according to XXXX driving directions.
On XX/XX/2018, at approximately XXXX XXXX, I made several attempts to reach Mrs. XXXX via her cellular number of record. However, I was not able to reach her.
On XX/XX/2018, at XXXX XXXX, I sent Mrs. XXXX an email making her aware of my dissatisfaction with the size of the condominium that she had moved my family and I to. I even requested for Mrs. XXXX to rent me another unit at the same location in order to avoid having to move to another location. The unit could of being a bit bigger or just simply another condominium for a total of 2-units in order to feel comfortable during our 7-night stay. On the same email, I also discussed with her another matter that was brought up to her attention by XXXX XXXX from the management office | Refer to Exhibit # XXXX | On XX/XX/2018, at approximately XXXX XXXX, Mrs. XXXX showed up at the condominiun unannounced while my wife was alone inside the condominiums exterior lanai with the sliding glass door closed and was unable to hear Mrs. XXXX knocking on the door. Mrs. XXXX allowed herself inside the condominium without any justifiable reason. Again my wife was the only person inside the condominium while Mrs. XXXX was knocking on the door. My wife was extremely frightened by Mrs. XXXX unannounced presence inside the condominium since she was a total stranger as far as she knew. As of the date of this letter, my wife still remembers Mrs. XXXX actions and continues to have nightmares as she did the same night when she went to bed a few hours after Mrs. XXXX left the condominium. Mrs. XXXX actions were extremely unacceptable and constitute an unethical business practice. Not only that, but she also acted reckless and could have caused a deadly situation since we always travel with firearms for our protection.
When I made Mrs. XXXX aware that my wife didnt like the fact that she just allowed herself inside the condominium unexpectedly. Mrs. XXXX stated that she had knocked on the door several times and didnt get an answer. So, therefore, she let herself inside. | Refer to Exhibit # 7| Mrs. XXXX response. | Refer to Exhibit # 8| Once Mrs. XXXX made contact with my wife inside the condominium, she told her that she was there to discuss a situation that was brought up to her attention by XXXX XXXX from the management office at approximately XXXX XXXX. In which was the time when the second part of the party arrived at the property. She then informed my wife that she needed to speak with me and for her to please reach out to me. I was only downstairs in the beach area speaking with other guests that were there looking at dead fish by the seashore. In which we later learned the reason for the dead fish. So, therefore, I immediately went upstairs and spoke with Mrs. XXXX. She stated that the management office informed her that there were a total of 7-guest in our party and that we had previously agreed to only 6-guest in the party when I made the reservation. I again, informed Mrs. XXXX that I had already discussed and cleared the issue with the management office as I stated on my earlier email to her. Mrs. XXXX also stated again just like in an earlier email that the management office informed her that our party had to split and offered for me to rent another room/condominium for a week at a different property. |Refer to Exhibit # 6| I informed her again that my nephew was only visiting and that he would return back to my sisters rental unit soon. She then informed me that she will allow my nephew to stay one night and that she was going to send me an email shortly and requested for me to please reply back stating that my nephew would only be visiting. In which I immediately replied to her email.
Mrs. XXXX then stated that the management office has previously called law enforcement officials in order to remove previous guests from the condominium because they had more than 6-guest in their party. In which is not allowed per contract and per fire department ordinance. She also stated that every time she sees a local number like my number on a reservation request, it raises a red flag to her because theyve had issues in the past with locals. In which to me thats considered discrimination and unacceptable.
For the record, the situation was as follows : Mr. XXXX XXXX is a member of the condominiums management office. He brought to my attention that only 6-guests were allowed during my stay per fire department ordinance. Mr. XXXX made me aware of the fire department ordinance due to the fact that he saw my cousin arriving with my XXXX-years old nephew and was under the impression that he was part of my party. I explained to Mr. XXXX that my cousin, his wife and their son were only part of my party. And made him aware that my nephew was just going to visit for a little bit and then return back to where my sister was staying in XXXX XXXX. In which wasnt very far from where I was staying. Mr. XXXX agreed that my nephew was allowed to visit. However, he still informed Mrs. XXXX that our party was a total of 7- guests. As previously discussed on this document, Mrs. XXXX waited until after XXXX XXXX to further discuss the issue in person even after she confirmed receiving my reply email. And again, she showed up at the condominium unannounced and allowed herself inside the condominium without any legitimate reason.
Mrs. XXXX failed to address the issue regarding my dissatisfaction with the condominium via an email reply to my email sent to her on XX/XX/2018, at XXXX XXXX, or when she showed up at the condominium at approximately XXXX XXXX, on XX/XX/2018. So, therefore, I sent Mrs. XXXX another email on XX/XX/2018, at XXXX XXXX, expressing again my dissatisfaction with the condominium. |Refer to Exhibit # 9| On XX/XX/2018, at approximately XXXX XXXX, Mrs. XXXX sent me a message via the XXXX message portal stating that the pool at the location where the original reservation was made was available for the rest of my stay. I responded to Mrs. XXXX stating that I have decided to stay at the condominium where she moved us to due to the fact that we had to pack and then unpack again clothes for 6 guests in which consisted of clothes for 7-nights. And also pack and then unpack groceries that we had already bought for a 7-night stay. I always agreed in moving to a larger unit or renting another unit where we were moved to. Not packing and unpacking half a mile away.
XX/XX/2018 - Maintenance Requested as Follows : Small bedroom bathtub Doesnt drain properly while taking a bath.
Bedroom with twin beds - Top door hinge coming off the door frame. Difficult to open and close.
Kitchen Stove - Left front burner doesn't work.
Lanai - Sliding door difficult to open. Right panel.
Hallway by front door - Needs to be cleaned / moped.
And made a special request : Please inform me when the maintenance staff is coming so that our privacy is not invaded as the incident on XX/XX/2018. '' |Refer to Exhibit # 10| The door hinge and the kitchen stove issue were resolved on XX/XX/2018. However, the maintenance staff failed to give me a heads up prior to entering the condominium per my request. My cousin was sleeping inside the master bedroom when the maintenance staff entered the condominium. He stated that he didnt hear anyone knocking on the door.
XX/XX/2018 Checked-out -The issue with the small bedroom bathtub, the lanais sliding door glass issue or the cleaning issue by the front door wasnt resolved. The maintenance staff reported that he changed the wheels of the sliding door glass and adjusted them to the best he can. However, there were no signs of the wheels being replaced. He just simply placed the sliding door glass back on the tracks and prayed for the best in which his quick fix didnt last very long.
To make matters worse. Mrs. XXXX knew that XXXX County already had the presence of the well-known deadly and toxic Red Tide algal bloom. During our entire stay, we were not able to enjoy the beach area due to hundreds of dead fish laying on the shore and the foul smell in the air of dead fish. We also had very limited use of the condominiums pool area due to the foul smell in the air of dead fish coming from the shore area.
During the very limited amount of time, my family and I were at the beach and pool area, we experienced symptoms of irritated throat accompanied by a burning sensation. And also sneezing and tearing. In which are symptoms caused to humans when they breathe the toxics of the red tide. Other guests were also experiencing very similar symptoms, The condominiums pool rules are that only 16-guests are allowed at a time due to its capacity. So we were extremely limited on the use of the pool too.
Mrs. XXXX failed to disclose to me the Red Tide conditions on the beach and the hazard to human health in which placed my familys and I health at risk.
My family had to be seen by their primary care physicians due to ongoing symptoms of being exposed to the toxics produced by the Red Tide. In which they have paid for office visit co-pays and medications.
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04/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To whom it may concern at the CFPB, I am trying to get immediate help with a Law firm/debt collector that is trying to collect on a fraudulent account supposedly opened on XX/XX/XXXX. Due to this case being a fraudulent credit card account that is almost 20 years old, bought and sold 3 times from the original creditor ( Capital One ) to several Debt Collectors over the past 15 to 17 years, the only way I felt that this would make more sense to you is if I described as best as possible to the best of my knowledge the history of this fraudulent account.
Because this is a fraudulent account opened so long ago and without my knowledge, it is almost impossible to provide any additional documents or proof of anything besides what this law firm has given me on XX/XX/XXXX when I called and spoke with one of the attorney 's there and recorded with their permission. So, this information is the best I have available for your review.
*The fraudulent account details are below : *Original Creditor - Capital One Bank *Supposed day the account was opened with the original creditor - *Account sold from original creditor to - XXXX XXXX - Date unknown *Account sold again to - XXXX XXXX - Date reported - XX/XX/XXXX *Account sold a 3rd and final time to - XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI *Supposed Date reported and Judgement filed in XXXX District Court by the above mentioned law firm - XX/XX/XXXX *Date of Notice of Garnishment - XX/XX/XXXX *Total Garnished amount from my paycheck on XX/XX/XXXX - {$570.00} *XXXX District Court Case # - XXXX *Supposed original past due balance - Unknown *Supposed Judgement Amount - {$1800.00} *Supposed interest accrued - {$2300.00} *Supposed amount due now, including interest, fees, etc - {$4100.00} This shady, relentless and unforgiving attorney/debt collector is the 3rd time this fraudulent debt was bought and sold.
Law Firm/ Debt Collector XXXX XXXX XXXX , XXXX .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX *Original Fraudulent Account Date - XX/XX/XXXX *Original Fraudulent Account Collections Date - XX/XX/XXXX *2nd Fraudulent Account Account Date - XX/XX/XXXX *Fraudulent Account Judgement Amount - {$1800.00} *Total Fraudulent Judgement Interest Accrued {$2300.00} *Unsatisfied Fraudulent Judgment Amount XXXX *3rd Writ of Garnishment issued on XX/XX/XXXX and was received BY MY EMPLOYER, NOT MYSELF AND AGAINST THE LAW *Fraudulent Garnishment Taken From My Payroll On XX/XX/XXXX in the amount of {$570.00} This letter is being sent to you in response to notices sent to me from your company in regards to a fraudulent account opened in XX/XX/XXXX. Please be advised that this is a refusal to pay and a notice sent to your company pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, especially forewarning you that this was a fraudulent account. Please provide me with the following immediately : 1- What the money you say I owe is for. I have ZERO knowledge of this fraudulent account until today, XX/XX/XXXX when I received the bogus " Garnishment. '' Do me a favor, look at the dates and realize that you are trying to collect on a debt from XX/XX/XXXX and all the XXXX Judgements you have received since XX/XX/XXXX. What a joke, this is showing some serious desperation on your company 's part.
2- Explain and show me how you calculated what you say I owe. Over {$2300.00} in made up fraudulent interest charges? Please .... This fraudulent account you are attempting to collect a debt on is against the law and you are violating many, many laws, in place for innocent consumers like myself.
3- Provide me with copies of any original papers that show I agreed to pay what you say I owe. As I will mention several times, we both know you can not. I have never heard of or spoken to anyone from your law firm until today, XX/XX/XXXX.
4- Provide a verification or copy of any judgment if applicable which is legally allowed, not " renewing '' some fraudulent debt from XX/XX/XXXX of which did not belong to me. We both know you can not do so.
5- Identify the original creditor and legal proof of myself being the owner of this fraudulent account. This will include ALL written, audio or visual legal proof of such. Once again, we both know you can not do so.
6- Prove the Statute of Limitations has not expired on this account in the State of Michigan . It is 6 years in Michigan and only 10 IF and only IF the Consumer agrees at any point that the debt is theirs WITH the proper legal documentation served to the Garnished Indiviual. For the record, I have not and never will agree to pay any fraudulent charged. Yet again, we both know you do not have this information.
7- Show me that your law firm are licensed to collect in the State of Michigan , with the full license # ' s, and I do not care if your law firm is in Michigan or not. Provide these valid numbers with expiration dates along with your State of Michigan Bar #.
8- Provide me with your license numbers and Registered Agent or Agent of Service in the State of Michigan . Also, provide the name of the company, person and or Process Server who LEGALLY served any paperwork. Please do not attempt to say that you delivered or tried to deliver any Notice to my current address, our property is surrounded by cameras recording 24 hours a day, 7 days a week for several years and on a permanent, backed up record and stored in a cloud. Old, outdated addresses are NOT acceptable for proof of delivery. The correct address for proof of delivery to the Garnished Indivual is your company 's RESPONSIBILITY. NOT AN EMPLOYER to serve this notice.
9- Provide me legit and legally admissible proof of any paperwork or judgement that was delivered to me from your law firm to my current address on State of Michigan records. You have not lawfully and legally served me any updated court documents to my address on record BEFORE you processed any garnishment. Like your company did, but is not legal, dropping off a garnishment to an employer WITHOUT the garnished receiving any notice is against the law. You all know better.
10- Provide me original signed documents legally proving that this fraudulent collections account has any legal signature, audio or visual proof of such. We both know you can not do this or provide this information as you have NO access to this information and bottom feeder law firms like your company buy these debts for pennies on the dollar in the hopes you can somehow get a supposed victim of yours to pay anything, but little do most consumers know under FDCPA and FCRA Laws you can not do so.
I will not hesitate to bring legal action against you for the following Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act including, Defamation of Character. If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any garnishment immediately. Also, during this validation period, if any action is taken which could be considered any more detrimental to my financial well being I will surely file suit.
In addition, please understand that all the phone calls that were made are recorded and I verified and had received permission from the " Attorney XXXX '' that I spoke to on XX/XX/XXXX. This recording, if necessary, along with the illegal forms your company used to file a garnishment all will be forwarded to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State of Michigan Attorney General, the Bar Association, the local XXXX XXXX XXXX ( XXXX ) for your business area and in the court system, XXXX District Court XXXX XXXX, Michigan XXXX for a Motion To Set Aside Judgement explaining to the court of this fraudulent and bogus garnishment if it is not stopped immediately.
Next I will file a police report on your company if need be. Also, if necessary, I will file several poor, but true reviews on the internet, including XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and on and on explaining exactly how you are trying to conduct business so I can fairly warn any other potential " victims '' of this shady practice so they may help themselves before their rights are violated.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment, EXCEPT to my employer removing your fraudulent garnishment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS via First Class Registered Mail. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an valid attempt for your law firm to correct your records, any information obtained shall be used for that purpose.
I am hoping your law firm can resolve this immediately and realize the unethical manner of which you are trying to collect on a fraudulent account from 19 years ago. Do the right thing and make this correction immediately. It will save your company, myself and the court system a bunch of wasted time, money and energy. I am a very informed consumer, I know my rights and protections through the FCRA and the FDCA and will use them to my utmost needs and I absolutely refuse to have my rights stomped on by a debt collector doing their best to collect on a FRAUDULENT debt I am totally unaware of almost 2 decades old.
****PLEASE NOTE XXXX , XXXX COPIES OF THIS LETTER AND ANY AND ALL COMPLAINTS FILED AGAINST YOUR LAW FIRM WITH THE ENTITIES BELOW ARE ON FILE WITH MY ATTORNEY ON RETAINER IF I SO CHOOSE TO EMPLOY HIM IN THE FUTURE IF THIS CAN NOT BE AMICABLY RESOLVED BETWEEN MYSELF AND YOUR COMPANY. THEY ALSO DO CHAPTER XXXX AND XXXX BANKRUPTCY, SO THE GARNISHMENTS WILL STOP ONE WAY OR ANOTHER IMMEDIATELY UPON FILING.
COPIES OF ALL THE PAPERWORK AND THESE ILLEGAL AND FRAUDULENT " JUDGEMENTS '' WILL BE FORWARDED TO THE CFPB, FTC, ATTORNEY GENERAL, XXXX AND ANYONE ELSE NECESSARY TO MAKE THIS RIGHT.
IF YOUR LAW FIRM MAKES THE CORRECT DECISION AND DOES REALIZE THE ILLEGAL AND FRAUDULENT MISTAKE IT IS IN THE PROCESS OF MAKING I WILL VOLUNTARILY REMOVE ANY AND ALL COMPLAINTS AND/OR NEGATIVE REVIEWS FROM THE ENTITIES ABOVE IF IT IS SETTLED CORRECTLY, MY PERSONAL WAGES AND FUNDS ARE RETURNED TO ME AND THIS FRAUDULENT AND BOGUS GARNISHMENT IS REMOVED IMMEDIATELY.
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07/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : 08 CAPITAL ONE BANK USA N A with Account # XXXX for a debt owed of {$1600.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAP ONE AF XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAPITALONE XX/XX/XXXX XXXX XX/XX/XXXX CAP ONE NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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01/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
My complaint against Capitol One is below : I filed a dispute and was denied due to time.
If you read the timeline below, I attempted multiple times to establish a delivery date of my item. Each time a delay was posted by the company. I agreed to the terms. It was only after the XX/XX/XXXX that I requested a refund from the merchant. Not hearing anything via email or phone I promptly filed a dispute with Capitol One.
Capitol One provided a refund promptly and an agent left a message on my phone. Several attempts to return the call went unanswered by that agent.
Capitol One then charged my account for the same amount that it had refunded and cited the reason for being lack of documentation. Although, this was provided to them within the given time frame. Agents for Capitol One would not attempt to locate the paperwork that I sent to them. The agent for Capitol One, instead required me to resubmit documentation and provide an additional letter. Each time the agent would respond to my questions with To be honest with you and continued as if this agent had already determined I would not be able to dispute my charge. The agent also told me that the first call that was made to my home phone was a scripted call, and the agent was not expected to call me back.
I attempted to resolve issues with the merchant. I attempted to receive a refund from the merchant. Once denied I filled a dispute with Capitol One in a timely manner.
I found no documentation within my CAPITOL ONE CONSUMER AGREEMENT indicating any time frame with regard to not receiving merchandise.
I filed the dispute in a timely manner after having made an attempt with the merchant for the refund.
As a consumer how am I able to determine a time frame on disputes if not given the information?
Capitol One boosts protections for using their card. Yet, fail at providing those protections or providing information to its consumers. Capitol One did allow the merchant to accept a visa as deposit. As a Capitol One consumer I should have been allowed the dispute. Furthermore, the agent that first called me with a scripted message leaving a callback number, was not, and would not be returning my calls.
This was confirmed by the second agent a talked to. I feel strongly that this was a deceptive business practice to induce the failure of a disputed transaction. Additionally, at the end of my final conversation with the agent I was not provided with any other dispute resolution or ways to have an additional review of the disputed item.
Disputed charge timeline : During XX/XX/XXXX I made contact with a company, XXXX XXXX XXXX. During this time I had made arrangements for the purchase of a camper. After several emails I received a final contract and was required to place a deposit of {$7000.00}. On XX/XX/XXXX I received an email indicating from the merchant that the deposit could be made using several methods including a credit card.
On XX/XX/XXXX I received a confirmation that my credit card ( Capitol One ) was charged for the full amount. At this time my expected delivery of the item was XXXX XXXX. On XX/XX/XXXX I sent an email regarding the status of my item. A return email indicated that the time for delivery was now XX/XX/XXXX-XX/XX/XXXX. I agreed to the wait.
XX/XX/XXXX after a couple of emails I was advised that my item would be ready in XX/XX/XXXX. There were several emails and a general email sent to waiting customers that indicated reasons for the delays.
In XX/XX/XXXX I inquired about my item and included a somewhat complaint within my email to the company. On XX/XX/XXXX I received the following reply : Your points are well taken. I appreciate your well-worded feedback. I will share your thoughts, especially re : communication, with XXXX so that we can better plan and staff for ongoing communication. Your math ( XXXX - XXXX ) is right. We build all our campers in order - no moving or skipping. I would only add that at the time of that XX/XX/XXXX email, you were actually # XXXX on the list as we were finishing up 3 campers that shipped a few weeks later in late XXXX. I was trying to be positive at the time noting that your order would be # XXXX after those 3 shipped. However, even counting those 3 campers does not dramatically change the rate - i.e. 17 campers vs. 14 ).
I hope you can hang onto the end of the rope you mentioned. The investment we are making in production re-tooling and staffing this summer ( mentioned in XXXX 's video update ) will help us get your camper built faster than our historical pattern you noted.
With this response I decided to give it a little longer. I really wanted my item and the delays were somewhat reasonable until now. The company had also posted videos on XXXX to support the things they were telling customers. On XX/XX/XXXX the following was provided : XXXX XXXX XXXX Friends, I personally want to share with you an update on our company. As many of you already know, XXXX XXXX joined us in XXXX of this year to re-tune our manufacturing. By early XXXX, after digging into all that we do and then dividing it into small steps, we concluded that a plant re-work & some outside capital would be required to execute and to increase the production rate. By early XXXX, we had our plan outlined, we were moving things around and we began work on a relatively modest capital campaign.
The plant is now largely ready and were working with a group of angel investors to finalize the funding. I am happy to share that this is moving along well and were confident that the funding will close fairly soon, barring any external upsets.
This new capital will allow us to fully execute the manufacturing plan and enable us to reach a point where the business will hit production goals & timelines. Our hope was to have the capital available prior to XX/XX/XXXX, but unfortunately that has not happened - largely due to summer timing ( investor 's vacations, etc. ) and the legal structuring required. Its a lengthy process that is more complicated than we anticipated.
As a result of the timing and our limited cash-on-hand, XXXX XXXX, XXXX has reduced operations for a short time. We are operating at a minimum level, with principles only, and our focus is on closing the investment. We are all-in and diligently working to get the business over the present hurdles and to the next level.
Once the funds are in the bank, things will move fast. We have multiple campers ( more than 10 ) in varying stages of build and the completion of those units through the new line will happen quickly. Suppliers are primed and materials will be readily available to start filling the front half of our assembly line as well.
As always, production quality is our # 1 priority and we expect to ramp-up intelligently to build >10 campers per month. We fully expect to have every unit now under deposit ready to ship over the winter and all campers are being built in-order, with no exceptions.
We fully realize that the delays and long build-times have been frustrating and disappointing and we live with this pain every day. Many of you have missed trips and postponed plans because of this and a few of our customers have cancelled their orders. Our past inability to nail-down a delivery schedule has been tied to the overall production situation - preventing us from sharing updates/schedules that were anything other than broad estimations. This ongoing struggle was certainly not our plan and we apologize that we have not met our own goals. We are excited to begin operating with set timelines and predictable schedules as we move forward.
We hope that you will hang with us. A ton of updates and improvements have been made to the campers since those early units - and everyone will get the latest and greatest. Simply put, we believe we build the best campers and that you will ultimately be happy that you stuck with us.
That said, we are offering a full refund to those of you who paid your deposit in XX/XX/XXXX, should you choose to cancel. This refund will be made at the earliest possible time after our financing closes. Sales to new customers will be reopening once the plant is running well and our updated price and options list will be made available soon. We have bundled many options into packages - similar to trim levels in the automotive industry - and certain features are now only available ( on new orders ) as part of those packages.
Its easy for us to say its worth the wait, but we know this wait is not what you expected. Do know that we will provide updates to you every two weeks and well continue to be be upfront and transparent. Your patience deserves nothing less.
Thank you for understanding.
Sincerely, any copies thereof. Thank you.
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX At this point I decided to wait until the end of the year as XXXX XXXX had promised the delivery of all items.
On XX/XX/XXXX and email was sent indicating that the items order were not going to be delivered at the end of XXXX. However, the owner was still working on funding. But, it appears as if he was not returning deposits and there were indications that my funds had been along with others obtained what I feel through fraudulent means.
After determining that I would not be receiving my item and feeling that my deposit had been obtained fraudulently. I contacted I contacted Capitol One in order to file a dispute in early in XX/XX/XXXX I filed the dispute with Capitol One over the phone ( Case number XXXX ) I was contacted by an Agent from Capitol One via telephone, and a message was left on my answering machine advising me of her name and extension ( XXXX Ext. XXXX ). I called that number four times and left a message with my contact information on XXXX, XXXX, and XXXX. I received no call back.
On XX/XX/XXXX I received a letter indicating that my account was credited and I needed to submit documentation and sign a letter.
Around the XX/XX/XXXX I sent all documentation to the listed address in XXXX XXXX XXXX to include the signed letter. This was sent via the XXXX XXXX XXXX and was tracked and the items were received. A copy of the letter from Capitol One was included with the packet. This letter required my signature and included the case number.
On XX/XX/XXXX I received a letter indicating that my case was closed because of the lack of documentation.
I promptly called Capitol One and once again talked to people ( XXXX, and XXXX ) regarding my situation.
I called Capitol One on XX/XX/XXXX and spoke with XXXX and then XXXX. XXXX advised me that my case was denied because I did not provide documentation. I advised what I sent and after a while XXXX stated that the documentation may have been lost at the facility in Utah. I was then told to submit the documentation again along with a letter indicating I had not abandon my dispute.
This was done.
Another letter was received from Capitol One indicating that my dispute was beyond the time period.
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01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
All of this information has already been provided to Capital One. I contacted Capital One on XX/XX/XXXX. I explained to them the situation and they opened a case for the transaction. Here are the details of the case that has already been provided to Capital One.
Dear Transaction Support Center, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am providing the information you requested on the letter that was sent to me dated XX/XX/XXXX.
Information Requested : While visiting XXXX, XXXX, I purchased a total of XXXX items from XXXXXXXX XXXX billed as XXXX XXXX XXXX. The items I purchased were a chandelier style XXXX XXXX and XXXX XXXX style floor lamps. XXXX of the items were paid with credit card ( chandelier and XXXX of the floor lamps ) and the third item was paid with cash. The XXXX lamps that were paid with credit card were {$1100.00} and the third one was {$350.00} which I paid in cash.
The merchant mentioned that it would take XXXX days to ship the lamps and it ended up taking approximately 30 days. The two lamps that were paid by credit card had pieces that were damaged when it arrived. There was damage to the glass as well as missing pieces from the mosaic pieces. These are unique handmade items that I can not easily find replacement parts for or get it repaired. The third piece that was purchased with cash was fine.
I immediately contacted the merchant via XXXX and notified the owner and his brother and after initially giving me the run around and telling me it is handmade, the owner named XXXX XXXX agreed to let me return the lamps. I took photos of the damaged pieces for him. The lamp is a mosaic style lamp and it looked like a child glued the pieces together. There were damage to the glass and pieces of mosaic and beads missing from some pieces. The third lamp which didnt have a problem ( the one paid with cash ) was made professionally and did not have any issues which is why I wanted to keep that one.
I told the merchant that I would like to return just the XXXX lamps that were paid by credit card because of the damaged pieces and flaws and he said that he would only let me return it but I would have to return all XXXX pieces I purchased including the XXXX paid with cash.
Since I have no recourse with the XXXX paid with cash, I reiterated to him that XXXX of the items was paid by CASH and that I would need a refund in advance before he set up the return and he would not agree to that. He kept insisting that once the items were returned, that he would send me money via XXXX XXXX. I told him, that I have no recourse because I paid cash for the third item. I initially told him that I did not want to return the third item because that was the only one that did not arrive damaged and he said it is all or nothing. I agreed to his condition of returning all three pieces but insisted that I would need a refund in advance for the one paid in cash or have that money in an escrow account and he exploded and had a tantrum like a child and is now refusing to cooperate.
He initially agreed to let me return all 3 pieces and he was going to set up and pay for the return via XXXX and have it picked up from my house. When I refused to agree to release the one paid by cash as well, he removed his offer from the table. It was clear that he had no intentions of crediting me for the one I paid with cash or the other XXXX paid with credit card.
The whole interaction proved him to be dishonest because it didnt make sense as to why he was forcing me to return all XXXX items when only XXXX had the issue. I tried repeatedly to resolve the dispute with the merchant but the second I refused to release the item that was paid in cash, he had a full tantrum and refused to cooperate. I have attached the chat history with the merchant so you can review it. The merchant has sent me XXXX lamps that are clearly damaged. I provided all of the information to the merchant. He certainly agreed that they were damaged if he agreed to let me return it but because he was trying to bully me into returning the one paid with cash as well and I refused, he just had a tantrum and removed the offer off the table.
I tried cooperating with the merchant, but it was clear he wanted to keep the money for the one that was paid with cash. I was never told about a return policy at the time of sale. It is clear they allow returns because he offered it to me and then removed the offer when I did not want to allow him to pick up the third lamp that was paid with cash.
I was told by Capital One that if the merchant did not respond within 30 days, that I would win by default. I contacted Capital One on XX/XX/XXXX, which was 34 days later and asked if the merchant had contacted them and was told that they had not. That would mean I would win the case by default I spoke with XXXX on XX/XX/XXXX at XXXX who transferred me to a supervisor name XXXX XXXX XXXX XXXX giving me incorrect information. XXXX, the supervisor said that the merchant had not contacted them but now they have till XX/XX/XXXX to get back to Capital One because their fraud department did not contact the merchant right away.
I explained to XXXX that I was told that the merchant has exactly 30 days and that would be 43 days. She just apologized and said their department was busy and rushed me off the phone but assured me that someone would contact me by XX/XX/XXXX. Coincidentally, the later that day I hear back from Capital One saying that the merchant provided tracking number and they requested a bunch of information which I provided and faxed to them. When I spoke with XXXX, they had not provided anything, so I am not sure where that came from. Besides, that it had now been 35 days anyway.
The rep who got back to me requested a bunch of information from me ( letter dated XX/XX/XXXX ) which I provided. Then very early in the morning the next day before I even had a chance to send the information that was initially requested, the rep decides to ask for completely different information. Some of the requests were completely out of the ordinary especially since the rep requested a completely different set of questions literally at the end of the day on XX/XX/XXXX, and then on early morning of XX/XX/XXXX, the rep asks me to ignore the first letter and asked for additional information and some that would not apply to my situation because these were handmade lamps that were made in XXXX XX/XX/XXXX request for information : A statement saying that neither you nor anyone authorized by you has signed for or received themerchandise. If you received the merchandise but want to continue the dispute, include a detaileddescription of the reason for your dispute, along with a copy of all documentation that supportsyour claim. Also describe how you tried to resolve the dispute with the merchant. If you returned themerchandise, include the reason for the return, the date, and proof of return. A statement of whetheryou were told about the return policy at the time of sale. If you have a copy of the return / cancellationpolicy, please include it, as well. If you received a refund voucher, please include it to show that credit isdue to your Capital One account XX/XX/XXXX request for information : Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoiceor purchase agreement / contract, and information and / or evidence to support how the merchandiseordered differs from what was received. A second opinion on company letterhead from anothermerchant in the same field stating specifically what the original merchant did incorrectly, how theproblem can be corrected, and what that will cost. A statement that includes the number of times themerchant tried to correct the problem, and a description of how you tried to resolve the dispute withthe merchant. If you returned the installed parts, please provide the date and proof of return or thedate they were made available for pick-up. If the merchant gave you a refund voucher, please providethat as well I provided all of the information that I could provide from both requests. I explained to the rep that the lamps are handmade/custom and so I can not find another merchant in the same field in the United States XXXX XXXX specifically what the original merchant did incorrectly, and how the problem can be corrected. This was handmade in XXXX, and I live in the XXXX. You can not find another merchant in the XXXX that makes these kinds of lamps. The request was totally outrageous. I am also not sure why the rep decided to change what information they requested for half a day ago. I feel like it was done on purpose to make it impossible to fulfill.
After I provide all of the information, I receive a response the very next morning saying the following : Case Number : XXXX Here 's an update on your dispute with XXXX XXXX XXXX billed on XX/XX/XXXX for $ XXXXXXXX that time we began an investigation into your dispute and requested information from you. XXXX have received your response to this request, it lacks all of the previously requested informationneeded to validate your dispute. Unfortunately, based on the information we have, we are unable toassist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. Atthis time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a week There are multiple issues with what happened.
1 ) The merchant based on the chat history initially allowed me to return the lamps. He was setting up the pick up with XXXX. When he insisted that he would only allow me to return the lamps if I returned all 3, even the one paid with cash, which I refused because I did not think he was going to refund me with how shady he was acting, he snaps at me and says fine, I can no longer return the lamps. Capital One should be able to get the merchant to stick to his word. He was going to allow me to return it. I just wanted to return what was damaged ( XXXX paid with credit card ) and keep the one paid with cash. The chat history provided evidence for this.
2 ) The case was closed even though I provided everything that was requested that I was able to provide.
3 ) I purchased handmade lamps and XXXX out of XXXX are damaged. I should have protection from my credit card company when a merchant does not fulfill their end of the bargain. This is unacceptable.
4 ) I desperately tried resolving the issue with the merchant, but he became unreasonable when he tried to bully me to return the one I paid with cash without refunding me in advance.
I hope that we can get this resolved.
Respectfully,
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10/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made an online purchase for {$4.00} for a skincare product with free shipping.
When I received my credit card bill from Capitol One it showed the {$4.00} charge from XXXX XXXX IL, plus another charge for {$6.00} on the same date from XXXX XXXX IL. I called that second number and spoke with XXXX who said he was the supervisor with employee # XXXX, in XXXX, CO. He says his company is called XXXX and it does customer service for many companies. I told him that I did not purchase that product and would he remove it from my bill which he was unwilling to do. When I said that I would return the products, because there was a 2nd vile of something in my package that I had not asked for, he did not want me to and agreed to credit my card back for {$6.00}. He also informed me that the product would be auto shipped in the future and I told him to cancel all future shipments, that I did not ask for anything more and did not want any more of their products. He agreed to do that.
On my next credit card bill arriving in XXXX, XXXX, the {$6.00} had been credited back to my account.
However, on that same bill was a charge on XX/XX/XXXX from XXXX XXXX AZ, a fourth company, for {$94.00}. I do not know that company, did not purchase anything from them, and did not make a purchase for that amount on my card from any company. Whenever I called the number provided the message on the answering machine said, Refer to the support email on your packing slip for quicker service and it disconnects.
On my credit card bill arriving XXXX, XXXX, there is a charge for {$99.00} from XX/XX/XXXX XXXX AZ. Whenever I call this number it gives the message on the answering machine : Please refer to customer support on your packing slip and disconnects.
Also on that bill are PURCHASE ADJUSTMENTS for {$94.00}, the charge from XX/XX/XXXX, and {$99.00} from XX/XX/XXXX, and an INTEREST CHARGE ADJUSTMENT for {$2.00} dated XX/XX/XXXX. I am not sure of the date that I reported those 2 charges to Capital One for them to credit my account.
XX/XX/XXXX Capital One sends me a letter confirming these refunds for fraudulent activity, and upon my request, confirm deactivation of that credit card with a new one sent, so no more fraudulent charges could appear on my account. They assure me that I will not be liable for any unauthorized charges. Case # XXXX XX/XX/XXXX I receive a letter from Capital One stating that the fraud investigation is resolved, that the merchant could resubmit charges, again assuring me of their {$0.00} fraud liability promise... [ that I was ] not held responsible for any fraudulent charges. Re:XXXX XX/XX/XXXX I receive a letter from XX/XX/XXXX in Customer Fraud Protection of Capital One stating that they have found no indication of fraud and therefore the charge for {$99.00} will appear on my next bill.
On XX/XX/XXXX I call Capital One explaining again what is going on. They send me to the Dispute Department. They say that they can not help me because investigation of fraud is already under way so they refer me to the Fraud Dept. where I speak with XXXX, ID # XXXX, who I explain all to again and he tells me that they can not return credit to my account once the investigation has been completed. When asked what the decision was based on, he says that the company showed them a copy of my name, credit card #, email address and phone #. When I asked for a copy of the he says that he does not have the ability to provide that, but maybe the manager can who he is referring me to. I then explain all yet again to XXXX the manager, ID # XXXX in the XXXX. He says he shows that my card was reported lost on XX/XX/XXXX and a new one was sent out on XX/XX/XXXX. Nothing else.
On the next bill arriving late XX/XX/XXXX/early XXXX, that charge for {$99.00} is back on my account. I call the merchant, XX/XX/XXXX at XXXX and speak to the floor supervisor who says that he can not reverse the charges once the bank puts it back on. He admits that they were told no future shipments but says that XXXX, # XXXX, in XXXX who I spoke to did not write down that I said to cancel. So I ask how he knows that I said cancel future shipments if it was not written down. He can not answer. This is unscrupulous!
On my XXXX statement the {$94.00} and XXXX plus interest are again credited to my account.
A letter from Capital One on XX/XX/XXXX states they are giving an update on the investigation from XXXX for {$99.00} from XX/XX/XXXX. First of all, that is not the company claiming I owe them the {$99.00}. That company isXX/XX/XXXX XXXX AZ. They are confirming the Fraud Claim and that they think that they have provided duplicate credits for the {$99.00} and they will adjust this on my next bill on the new credit card # and that the temporary credit could be reversed, re-billed depending on the outcome of the investigation. Case # XXXX Letter arrives from Capital One on XX/XX/XXXX in response to more calls to Capital One, saying that I need to fill out an extensive dispute form to be received by XX/XX/XXXX. I do submit the form to Capital One with all of the details I have given here except that what information I can give is controlled by the form 's questions, saying that I am still being charged for something that I never asked for in the first place and previously cancelled any auto ship they were going to try to impose. However, they want all kinds of things also that I do not have such as receipts because it was online, copy of merchant 's refund policy, second opinion, return proof, on and on. This form is only for the {$94.00} from the merchant XXXX XX/XX/XXXX. Case # XXXX another number from previous ones On XX/XX/XXXX I received a letter from Capital One Transaction Support Center about the {$94.00} from XX/XX/XXXX from XXXX and the XX/XX/XXXX transaction of {$99.00} ( claiming but not true ) from the same merchant what is listed on my statement is that XXXX is the merchant associated with this second charge, the 5th company that is in on this. They claim in the letter that they are crediting my account for {$94.00} because the charges were unauthorized. That credit NEVER appeared on my statement. In fact, quite the opposite, on my XXXX statement I am charged {$94.00} and {$99.00} again.
Also on XX/XX/XXXX I call Capital One and tell the story again. I am referred to XXXX ID XXXX in the Fraud Dept who I explain it to another time, and he claims that this is not fraud because the companies have all of my information even though I explain that, not only did I not oreder any product from those companies, I never gave my information to companies # 2, # 3, # 4, and # 5, that these companies are running a scam and I have never bought anything from them. He states that he knows that these companies do this, but he can go no further as a fraud, meaning that Capital One is making up their own fraudulent definition of what constitutes fraud and not honoring their promise to their customer to not charge for anything that has not been ordered, especially when they, meaning XXXX in the Fraud Dept, admits that they know these companies do this kind of thing. That conversation is notated on the XX/XX/XXXX letter.
On XX/XX/XXXX I called the company who claimed to have charge of customer service for various companies at : XXXX, XXXX IL who I had asked to cancel any future shipments and XXXX, ID # XXXX, Supervisor in XXXX said that he would cancel. I spoke with XXXX ID # XXXX and she also confirms that I did cancel any future shipments on XX/XX/XXXX. I ask for a copy of that and she says that she is not authorized to do that but that the merchant, Capital One, certainly has access to that information and they should have checked there to confirm what I am saying. She says that I can email to request a copy of that at : XXXX This conversation is notated on the bottom of the XX/XX/XXXX XXXX bill.
Then I received 2 letters dated XXXX XXXX from the Transaction Support Center at Capital One stating that they have not received the additional information that they requested. I have enclosed a copy of what I mailed to them. They say they have limited time to reverse a charge, so they are ( AGAIN ), reapplying the charges of {$94.00} and {$99.00} to my account, meaning that not only have I spent countless hours on this whole fraudulent mess, they are now rebilling the 2 charges that they already rebilled me for, claiming that I owe them {$380.00} for the two amounts times 2. And as you can see in my attachments, I did fill out their extensive inquiry form. Then when the XX/XX/XXXX bill arrives it has the {$94.00} and for {$99.00} charged to my account again. I believe that they are acting unethically, not keeping their promise that their customer will not be charged with anything that they did not order. They must not have followed up with XX/XX/XXXX to see that indeed I cancelled any future shipments that I had not even ordered in the first place. XXXX again notated at the bottom of XX/XX/XXXX XXXX bill.
So by Capital One deciding upon their discretion what they consider fraud and that these charges are not because these companies fraudulently are using my information claiming to be 5 different companies ; that the fraud department and the company know full well that these companies do this ; that they repeatedly promise that I will not be liable for anything that I did not ask for and will be protected from any fraudulent activity on my account ; and that they are charging me twice for the same 2 charges : I am shocked to learn that Capital One is operating in a completely fraudulent manner which I would not expect of this company! I have health issues and this has been enormously stressful and has cost me countless hours of my time. I will send this information also to the Federal Trade Commission about these supposedly 5 different companies scamming me.
When I filled out a lot of the story on your site with everything after having lost a couple of different versions when I stopped to go find information for you that had disappeared, I had an even more frustrating experience. I typed everything onto my computer to cut and paste it into your form so that I would not lose it. There was a mistake that I discovered in the Review portion of your form and went back to correct it. When clicking Next, it kept saying that it had not been saved. After trying this 3x, all was gone and I was sent back to your opening page. So, new day, starting over again and I realize that a bunch of info is missing from this document of what happened that was supposed to be saved on my computer and I am unable to retrieve it! I am in tears! So many hours on something that I am being scammed! I know you will say that it is for my protection that stuff disappeared, but really???? Adding insult to injury here!
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05/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I am a 20-year cardholder with Capital One. We use our card regularly and pay our balances in full each month. We have had experiences in the past when the fraud department has contacted us because of an unusual or out-of-pattern purchase. We have either verified it was us and the charge would go through, or confirmed it was fraud and the card number would be shut down. I completely understand the need for these protections.
On XX/XX/XXXX, I used my Capital One Mastercard to make multiple purchases for upcoming birthdays and anniversaries. It is not unusual for me to make clusters of purchases at disparate vendors on a particular day. Given the current Corona virus situation, I am using my card even more and purchased a gift card at XXXX. The next purchase I made at XXXX XXXX was declined. I called Capital One right away. I had to go through several verification processes to confirm that I was the cardholder, including receiving a text message to my phone with a security code I had to give to the person I was speaking with at the time. After that, they could speak with me and the person indicated there was concern about several recent transactions on the account. I verified that the purchases were all initiated by me and were okay to process. I asked if I needed to redo the purchase at XXXX XXXX and I was told that, yes I would have to make the purchase again, but that the account was cleared now and it would go through.
I did so and the purchase was declined again. I thought that it might have been because I had used my phone, so I tried making the purchase from my computer and it was declined again. I might have tried once more before calling Capital One again. This time I was put through directly to the fraud department. The person at the fraud department said that there was suspicious activity and that they needed to verify some recent transactions with me. Again, it was the same purchases I had JUST verified with the person on my earlier phone call. She apologized and said this time I should not have a problem. I asked that she stay on the phone while I made the purchase and this time it did, in fact, go through.
She then asked me if I wanted to receive text alerts for the account. That way, she told me, I would not have this happen to me again. Instead of being declined, I would receive a text message asking if a particular transaction was being initiated by me. I could text yes if it was mine and it would go through or I could text no if it was fraud and it would be declined. I told her that would great. She asked if the number they had on file was correct. It was not. It was a landline from when we had first opened the account 20 years ago. I gave her the new cell number, the one that I have been using to call them for over 7 years, the one they had just sent the text alerts to, and she made the change.
All of the above, while time-consuming and a little annoying, was understandable given the conditions of the Corona virus lock-down.
The real problem occurred on XX/XX/XXXX, when I was making purchases for my daughters and daughter-in-law for XXXX XXXX. I had decided to give gift cards to their favorite restaurants, trying to do my part to support those restaurants. The first transaction went through fine. The second was declined. I did NOT receive a text alert, allowing me to indicate that the transaction was mine ; it was just flat out declined. I called Capital One again. I went through the same verification process, including having a security code sent to my cell phone. Again, I was told there was suspicious activity on the account and again I verified it was me making the purchase. I was told that the account was cleared and I should repurchase the gift card. I explained what had happened five days earlier and asked the person to stay on the line while I re-entered the information. The transaction was declined again.
This time the person I was speaking to said something to the effect, Oh, your account has moved into a higher level of authentication. Let me place you on a brief hold.
After five minutes, the person got back on the phone and told me that the only way the account could be unrestricted now was if I sent CapitalOne a photo of the back my husbands or my drivers license. I was astounded. I said I would not give them that information because of concerns over identity theft and the fact that the real ids we use now have bar codes and QR codes with all kinds of information associated with them. I asked if there was some other form of verification I could give, like a utility bill. They said no, only a photo of the back of the drivers license. I asked to speak to a manager.
I was connected to XXXX, a manager in Fraud & Disputes. She indicated that the elevated level of authentication had happened because the account had too many declined transactions. Mind you, none of the transactions CapitalOne had raised concerns about were actually fraud, and I had verified each of them. In fact, many of these declines were just repeats of the same transaction that CapitalOne had told me their system had cleared to process.
It then occurred to me that I had never received the text alert on XX/XX/XXXX that was supposed to allow me the opportunity to verify that a suspicious transaction was indeed mine. Why hadnt that happened? When I spoke to the person on XX/XX/XXXX, she had indicated that she had set the account up do so. I had even received a text on XX/XX/XXXX confirming that my cell phone was going to be receiving texts, etc. from CapitalOne. XXXX said that that was another reason for the elevated authentication. The phone number had been changed on the account. I said that that was ridiculous because the person in the fraud department was the one who had made the change. She had done this because the phone originally associated with the account when it was opened was a landline. She needed to enter my cell phone number so I could receive text alerts. And the number she changed it to was the same number that CapitalOne was already sending the security codes to, so clearly it was in their system, associated with my account. XXXX said none of that mattered. The system had been flipped to an elevated authentication level and they would only accept the photo of the back of one of our drivers licenses to unlock the account. I was furious. About the only compliment I can give to CapitalOne at this point was that the several people I spoke with kept their cool. But that is it. There was no ability to look at the fact that their fraud detection system had failed. Now I was not able to use my credit card in the midst of a crisis that required even more frequent use of such credit cards in order to remain socially distant and safe. The only way to correct their systems error was to give information that I felt would put me at greater risk for identity fraud. I hung up.
After logging into my CapitalOne account online, I was going to close the account. I had a sizable number of miles that I was going to use first and then I was going to pay the difference in the amount due. However, CapitalOne had locked down my miles as well. So now, I couldnt even close my account without losing a great deal of money I had already earned. There was no need for the lock down of my miles to occur. Obviously they were still accepting my payments and this was just a form of payment. Those miles were earned on transactions that had already been paid for and I was using them to pay down the account balance. There was no fraud risk to CapitaOne.
I called CapitalOne again. This time I spoke with XXXX, a manager in the same department. While she agreed with everything I said, she told me she could do nothing. I asked what happened when they received the photo of the back of my drivers license, what switch was flipped so-to-speak, that allowed my account to operate without restriction? I asked, if knowing that the fraud system had failed, why couldnt she override the restriction and put notes into the account indicating why she had done so. She said she would be fired if she did that. What kind of company does not empower their employees to override a failed system, especially with a customer who has been with them for 20 years?! So then, I asked if she could release the lock on my miles so I could pay my bill and close the account, explaining my rationale that there was absolutely no fraud exposure to CapitalOne here. The payment would be going to my account, nowhere else. She said she was unable to help me. I hung up again and called the CFPB to find out how to register a complaint.
Before writing this, I tried one more time to contact CapitalOne. This time I called Customer Service rather than the fraud department. I asked for a manager and was transferred to XXXX, an Account Dispute Manager. He basically told me that their fraud system was acting correctly. I asked him if I should expect, as a cardholder, to make a purchase, have it declined, call to verify with the fraud department that it was me making the purchase, be told that the account was cleared to make that purchase again, to go ahead and make the purchase and then to have the transaction declined again. Not only that, but to have my account locked down until I gave them a photo of the back of my drivers license. He said that apparently the system was still concerned about the purchase. I admit, I was angry and probably rude. I assume there are recordings of all these phone calls. I hope so. I have screen shots of the call details as well as the texts to my cell that include the security codes I was sent and the notice about receiving texts from CapitalOne. I will include these as substantiation of my story.
At one point, all I wanted was for my account status to be returned to normal without having to send the photo of the back of the drivers license. I had been a happy customer at CapitalOne for 20 years. But I have spent too much time on the phone and too much time changing all of my automatic payments tied to CapitalOne, hoping that I catch them all before the next billing cycle, and too much time writing this.
I no longer have any faith in CapitalOne as my credit card company. The only acceptable resolution for me is to be allowed to apply the full value of my reward miles against my balance, regardless of how long ago any travel purchases were made. I will then pay the remaining balance and close the account. I want a written statement from CapitalOne that this account was closed by me because of my complaint regarding how this was handled. I want to make sure that there is no negative report made to any credit bureaus regarding this closure. I expect an immediate resolution.
Thank you for allowing me to air this complaint.
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11/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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Hi, My name is XXXX XXXX. I have been lied to/deceived by Capital One in order to collect money on an account. On XX/XX/XXXX @ XXXX cst I received an email from Capital One stating : Sign In We want to help prevent your account from charging off.
Re : Your account ending in XXXX XXXX XXXX XXXX, Your account is behind by 6 payments, and Capital One will be required to charge off this account in less than 30 days if no payment is made. If this account is charged off, the account will be closed, and you will still be responsible for paying the full balance.
Here are some of your options : Make your minimum payment of {$210.00} by XX/XX/XXXXto bring this account out of Collections. Keep your account from charging off at this time by paying {$34.00} by XX/XX/XXXX. This amount wont bring your account up to date, but it will prevent it from being charged off for now. Call us about splitting your payments into smaller amounts over a few months. Its important that you call us today at XXXX. Please have Email ID XXXX ready, so an agent can serve you more quickly. Wed like to help.
Where You Stand 1 Payment Past Due 2 Payments Past Due 3 Payments Past Due 4 Payments Past Due 5 Payments Past Due 6 Payments Past Due Charge Off Account closed Full balance still due CALL XXXX MondayFriday : XXXX XXXXXXXX XXXX.ET SaturdaySunday : XXXX XXXXXXXX XXXX.ET Make a Payment Important Information from Capital One Contact Us|Privacy|Help Prevent Fraud To ensure delivery, add XXXX to your address book.
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.
If paying by check, please include the last 4 digits of your account number in the memo line so your payment processes accurately.
The data on this message is accurate as of XX/XX/XXXX.
Web access is needed to use mobile banking. Check with your service provider for details of specific fees and charges.
If you choose not to receive Collections emails, please call XXXX. The agent you reach will only have the ability to exclude your email address from receiving Collections messages on your Capital One credit card. You may continue receiving email messages regarding other matters on your Capital One account.
1. Who We Are. XXXX XXXX XXXX, XXXX is the servicer of your referenced account unless this communication or a separate communication has informed you of another current servicer. We are a subsidiary of XXXX XXXX, XXXX XXXX, and service the following Capital One affiliated companies : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX The name of your creditor has been previously disclosed to you and is identified for purposes of this communication by your account number.
2. State and Local Disclosures. If you receive this communication in Connecticut, the XXXX XXXX XXXX, Hawaii, Iowa, XXXX XXXX XXXX, North Carolina or Oregon and your account involves a debt owed primarily for personal, family, household or other consumer purpose ( s ), or if you receive this communication in Vermont irrespective of the nature of the debt associated with your account, the following disclosure is required by state or local law : This is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose.
The following disclosure is required by state law if your account involves a debt owed primarily for personal, family, household or other consumer purpose ( s ) and you receive this communication in Hawaii, Iowa or Oregon : This communication is from a debt collector.
The following disclosure is required by state law if your account involves a debt owed primarily for personal, family, household or other consumer purpose ( s ) and you receive this communication in Massachusetts : NOTICE OF IMPORTANT RIGHTS : YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY 10 DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.
This is not a complete list of the rights that you might have. The terms above in this Section are defined by applicable state or local law. Pursuant 15 USC 1692a ( 6 ) ( B ) and ( F ) of the Fair Debt Collection Practices Act, Capital One Services, LLC is not a debt collector under federal law.
3. Bankruptcy. If you are entitled to bankruptcy protections for your account, this communication is only for informational purposes. It is not an attempt to collect, assess or recover a debt or claim. Do not send any payments directly to us without speaking with your attorney or Bankruptcy Trustee.
4. Electronic Check Conversion. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check.
5. Interest and Charges Continue to Accrue. All stated amounts are owed on the date of this communication. If applicable, your account may be charged interest, late charges and other charges that might change from day to day as provided in your agreement. As a result, the amount due on the day you pay us may be larger than the amount stated in this communication. For example, if you pay the amount stated in this communication, your account might still have a balance after we receive your payment. If your account has already charged off, you will not incur any additional interest or fees.
6. Time Period for Payment or Other Action. Unless we provide a specific date, any time period for your payment or other action begins on the date of this communication.
7. IRS Reporting of Debt Forgiveness. If we cancel or forgive {$600.00} or more of principal on a debt you owe we will provide you a 1099-C tax form, if required by law. Please consult your tax advisor and the instructions accompanying any tax forms for more information.
8. Credit Reporting of Your Settled Account. If we report your settled account to a consumer reporting agency ( credit bureau ), we will report it as paid in full for less than the full balance.
Contact Information Credit CardsCollections Credit CardsCharged Off XXXX MonFri : XXXX XXXX XXXXET & XXXX : XXXX XXXXXXXX XXXX.ET XXXX XXXX : XXXX XXXXXXXX XXXX.ET Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/XXXX.
Products and services are offered by Capital One Bank ( USA ), N.A., Member FDIC.
XX/XX/XXXX Capital One. Capital One is a federally registered service mark. XXXX XX/XX/XXXXXXXX XXXX, Attn. : XXXX, XXXX, Virginia XXXX. To contact us by mail, please use the following address : Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, Utah XXXX.
XXXX XXXX XXXX XXXX XXXX After receiving this email I called Capitol One at phone number : ( XXXX ) XXXX @ XXXX CST on XX/XX/XXXX. I was on the phone with a female employee of Capital One for approximately 22 mins and 40secs. During this time I asked twice about my account not being closed and I was assured by the employee that my account was just restricted and if I paid the amount of {$34.00} I would avoid my account from being charged off. I then inquired about my account being closed as soon as I paid i was told It definitely would not be closed but that I would just have to wait for an offer from Capital One for my account to be unrestricted. I decided with this information it 'd be my best interest to pay the amount owed on the card. So I did pay Capitol One the amount of {$280.00}, the total amount due on the card, with my wells fargo checking account on XX/XX/XXXX She told me to call back when it debited the funds from my bank to make sure the balance was met and also to see if there was an offer for unrestriction of my account. She told me when you pay it off sometimes the offer is immediate. On XX/XX/XXXX in the early morning hours the amount of {$280.00} was processed put of my account in to a pending status waiting for Capital One to take the money I called Capital One as advised on XX/XX/XXXX at XXXX CST to verify satisfaction of the amount on the account and to see if there was an offer available for unrestriction. The first thing I noticed, after I entered my information through their automated system, was that the automated system found my account and that it was closed. I went through the same process on XX/XX/XXXX when I initially called and the automated system found my account but it did not state it was closed. I found this alarming I got through to a representative and inquired about my account she informed me my account has been closed and was closed for 12 months now. I told her I recieved an email 2 days ago and that it claimed my account was not closed just restricted I told her about my phone call on XX/XX/XXXX and she just said she does n't know why that was told to me. I told her I felt lied to by them in order to get me to pay on my account and was misled. She went and got a supervisor on the phone, supervisor also told me that the account was closed and since it 's been closed for 12 months there was nothing that she could do about it and she was sorry I was misled. She asked what I would like her to do. I said I 'd either like my credit card account back or my {$280.00} refunded and them to write off the account in good standing because they lied and deceived me in order to get me to pay on the account. The funds were still pending in my bank account, she put me on hold for about 15 minutes and claimed she was going to try and refund my money. She came back on the line and said since it 's been closed for 12 months she could n't even refund my money. I 've since call XXXX XXXX and tried to reverse the funds they could not do it because the funds were all ready approved for Capital One to take just waiting on them to take the funds. XXXX XXXX filed a claim on my behalf for that amount, {$280.00}. Before I contacted my bank I called the CFPB and got information on what to do and her advise was to try and reverse the funds through my bank account and to submit a claim online at www.consumerfinance.gov. I feel I was treated poorly and deceived by Capital One in order to get money from me.
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10/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
XX/XX/2019 In response to your letter sent to me on XX/XX/XXXX ( case # XXXX ), please accept this letter as my intent to continue my dispute with XXXX XXXX regarding unacceptable charges they charged me and other passengers in my group. I read the documents XXXX sent to you to justify the charges, however, I could not interpret them at all. I dont see how your agent could either! They certainly do not address the reasons of my dispute, being the amount they charged five of us for rebooking. To clarify, I would like to provide a timelime of events that led up to these charges. - XX/XX/XXXX ... I purchased six XXXX tickets from XXXX ( XXXX ) to XXXX ( XXXX ) to XXXX and return flights as well ( Capital 1 statement attached ). These flights were purchased through XXXX. - Our first flight ( booked separately ) was with XXXX XXXX departing XX/XX/XXXX from XXXX ( XXXX ). The first XXXX flight was to depart XXXX at XXXX XXXX on XX/XX/XXXX. - When we arrived at XXXX we were informed that a rare snow storm was occurring in XXXX, and that we would not be able to fly into XXXX that night, therefore we would not be in XXXX to depart on the XXXX flight from XXXX to XXXX. There were no other airlines who could fly us into XXXX that night due to the snow storm. - While still at XXXX, around XXXX, ( approximately 9 hours ahead of the first XXXX flight ) I telephoned XXXX in the XXXX to inform them of our problem. The XXXX agent agent informed me that he could re-book us for the next day, but it would cost us rebooking fees. At that time he informed us to wait to see if our XXXX flight would be canceled that night due to bad weather. His reason was that if it was canceled, XXXX would then rebook us without extra charges. He instructed me to keep calling back each hour to check on the XXXX flight, however he did not inform me that the XXXX offices in the U.S. would be closing at XXXX due to weekend ours. After returning to my home, I tried to call later, but was surprised to get a recording. I then began calling XXXX XXXX in XXXX to try and get rebooked. After spending several hours trying to talk with them ( I was cut off three times and got a different agent each time ), spending hundreds of dollars of long distance calling, they finally informed me that the XXXX flight from XXXX to XXXX was able to fly, therefore they could rebook our group with a change fee ( not as a no show since I called more than three hours before the flight we couod not make ). I dont remember how much he said the fee would be. Please remember that I was responsible for getting these people to our final destination ( XXXX for mission trip ) ... it was very late at night ... I was exhausted ... but just relieved to finally get rebooked. -We were rebooked on a XXXX flight ( XXXX to XXXX ) for the next day XX/XX/XXXX, but it was going to be a later departure, since the earlier flight was fully booked. Now we had to overnight in XXXX so that we could catch our flight from XXXX to XXXX at XXXX XXXX on XX/XX/XXXX. - We flew XXXX the next day and arrived in XXXX. While in XXXX, I found out that the agent in XXXX who rebooked our flights, had also changed our return flights without asking me, without informing me, and unnecessarily since our original return flights were still available. This was a problem because the return flights he rebooked us on would not get us back to XXXX in time to fly back to XXXX ... then XXXX. I began calling XXXX US to address this. I also found out that one passenger, XXXX XXXX had been separated from our original groups reservation. I dont know why.Her return flights had not been changed. The XXXX agent US said she could not make the changes, but instructed me to make the changes when I arrived in XXXX. -When we arrived in XXXX I immedately went to the XXXX desk with my problem about return flights having been changed. The agent there said they would have to contact an office away from the airport who could change the flights back for us. He said they would contact us directly that night before leaving for XXXX the next day. THEY DID NOT CONTACT ME! Airport agents with XXXX gave me a specific email address to use to get this resolved when arriving in XXXX. I, however emailed that address that night from the hotel with the following : XX/XX/XXXX XXXX XXXX ( Hello my name is XXXX XXXX. My original PNR number is XXXX. I am presently in XXXX airport and Im trying to get my problem resolved. The first link of our flight was in XXXX Ohio to XXXX Illinois trying to connect with XXXX XXXX flight from XXXX to XXXX. However we were not able to fly into XXXX on the XXXX due to a snowstorm in XXXX. I went home that evening and spent several hours talking with representatives of XXXX XXXX in XXXX and a representative managed to change us and he booked us on the flight from XXXX to XXXX tomorrow. The problem is he also changed our return flight from XXXX to XXXX without consulting me or asking me. There was no need to make the return flight change because the fligth XXXX is still available.The problem lies in that our flight from XXXX XXXX to XXXX arrives at XXXX XX/XX/XXXX which is too late to board flight XXXX. I talked with transfer desk last night here in XXXX and they said the office at tower 1 would have to make the change back.Tthey promised me to work on this last night and phone me or email me. They did neither. Please address this immediately and reply. Ill be in remote areas of XXXX for the next 9 days. This flight must be changed at no cost to my group since this was completely and error by the XXXX rep in XXXX. I can be reached at this email or phone XXXX XXXX. XXXX XXXX for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX - We finally made it to our destination 2 days late but glad to be there. - XXXX responded : Tue, XXXX XXXX, XXXX Dear Customer, Thank you for contacting XXXX XXXX Customer Care. This automated response confirms receipt of your email. One of our team members will review -I responded : Thu, XX/XX/XXXX, XXXX XX/XX/XXXX Just before this email I sent to you my original booking with XXXX . As you can see we were all booked on XXXX XXXX from XXXX to XXXX on our return. When your office changed our outbound flight from XXXX to XXXX ( due to our XXXX to XXXX flight being cancelled ) you also changed our inbound. flight from XXXX XXXX to XXXX. The agent on the phone did not ask permission for this nor did he consult me about this. It was only after I arrived in XXXX that I noticed this. This cant work for our group since we wont be arriving back in XXXX in time to catch this flight. This was suppose to be changed on last Monday night when I was in XXXX. I was assured that I would get a call or email that night but I did not. This change needs to be made immediately and I need to be contacted so that I can stop worrying about this and dealing with it. XXXX XXXX -I never heard fro them again while in XXXX . I managed to have a friend look up our flights with her laptop. She found out XXXX had changed our flights back to the original booking, but never bothered to let me know this. - When I returned home I both called and emailed XXXX. Following is the email : Following is a copy of the email I sent to you on XX/XX/XXXX. Ive received no response from your office ... not even a confirmation of receipt email. Please respond right away! XXXX XXXX I am now back from my XXXX trip and must continue to question the charges from XXXX on my credit card. I have been in contact with your reps via telephone here in the US and they have been helpful, however they only support my view as to what five of my passengers were charged to to having to rebook. Following is a timeline with details : -Our original booking reference was XXXX for 6 passengers booked through XXXX -XXXX ... flight from XXXX to XXXX cancelled due to snow storm in XXXX -I called XXXX agent in US about situation more than 3 hours before Flight XXXX was due to leave XXXX -XXXX told me to wait to see if Flight XXXX would be delayed or cancelled due to snow. He said if it was he coukd rebook us for no charge. He told me to call back every hour to see, however US offices closed at XXXX EST - That night i began calling XXXX in XXXX to make rebook ... made 5 calls ... was cut off the line 4 times ... eventually costing me almost {$800.00} ATT long distance charges. Finally managed to rebook for XX/XX/XXXX, for XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX and XXXX XXXX. I had to rebook XXXX XXXX XXXX separately since we had made a name change for her on XX/XX/XXXX. -Found out the XXXX agent had also changed my return flights without consultation. It took your office 9 days to resolve this separate issue. -Now I found out that the five passengers listed above were charged as they were " no shows '' ... about {$610.00} dollars each, whereas XXXX XXXX XXXX ( traveling with us ) ( rebooked reference # RINTPY ) was only charged {$410.00} USD. Ms XXXX rebooking occurred here in US but the other five passengers were not. - Im writing to ask for reimbursement of {$190.00} USD for each of the five passengers who were overcharged as " no shows ''. -There is also another charge of {$320.00} on my credit card which XXXX agent here in US was unable to identify the reason, therefore I have refuted this charge with my credit card company. -Please reply ASAP and address this issue. at this email address. XXXX XXXX - I hope this isnt confusing. So, I am not disputing the fact that they charged us a rebooking fee. I am disputing that they over charged five of us {$190.00} each, treating us as no-shows. According to their policy, a passenger will not be considered a no show if they call at least three hours before the departing time, with a valid reason for missing a flight, which I did both. - XXXX XXXX case number XXXX ... billed XX/XX/XXXX ... {$3000.00} - {$3000.00} divided by 5 passengers = {$600.00}. XXXX XXXX was correctly billed at {$410.00} ... {$190.00} less than the other 5 passengers in our group. - Im asking you to not return the amount of {$990.00} as a charge on my card. -Im asking you to not consider my case closed since XXXX has not actually given clear documentation validating the higher charges - Im asking that someone there carefully read what both XXXX and I have sent to you. -Im asking that someone there be an advocate for me, your customer. -Please have someone call me at XXXX and/or email me at XXXX after carefully reading the above, my response. - Im attaching card statements showing the various bookings, rebookings and charges. Thank you XXXX XXXX * The original credit card used for this purchase ended in XXXX. This card was cancelled and reissued with new card ... number included in later section of complaint
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06/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I purchased a XXXX XXXX XXXX on XX/XX/XXXX from your dealership, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX. I worked with XXXX XXXX and XXXX XXXX on the purchase of this vehicle. Upon entering your dealership I let XXXX XXXX know that I was in the market for a vehicle under {$10000.00} with {$500.00} to put down. XXXX XXXX let me know that the XXXX XXXX XXXX would be a vehicle I could finance with their dealership based on the criteria mentioned above I provided him ; in addition to my paystubs from XXXX XXXX my XXXX positions. Once we finished the test drive I asked XXXX XXXX for the XXXX. XXXX XXXX let me know he would retrieve it for me once we returned inside and then proceeded to give me a verbal express warranty that all cars the dealership bought were fixed up and investigated thoroughly for problems before selling. I had let XXXX XXXX know that I was not as knowledgeable with vehicles and felt cautious towards purchasing a vehicle. Once we were inside and I read through the XXXX, XXXX XXXX confirmed with me that the car only had one prior owner and no accidents so I would have no known problems in the near future. XXXX XXXX went into the financial building to discuss with XXXX XXXX the requirements for me to finance the vehicle. Initially XXXX XXXX came back to me asking for a larger down payment but I reiterated that I could only put down {$500.00}. When he returned he said that the {$500.00} down payment would work for today but I would owe them an additional {$500.00} to be paid in XXXX payments. The first payment of {$250.00} was due by Friday XX/XX/XXXX and the second payment of {$250.00} was due on Friday XX/XX/XXXX. I signed a paper agreement that noted the payment arrangement. XXXX XXXX asked me about my previous job at a law firm. I was confused how he knew about my past job experience since I had only discussed and shown bank statements for my current jobs. XXXX XXXX proceeded to tell me that according to the financer Capital One I still worked at the criminal defense law firm because no bank would approve anyone who worked for XXXX. Once I had obtained car insurance for XXXX XXXX we went to the financial building to speak with XXXX XXXX. XXXX XXXX again reiterated that I worked at a law firm for the bank and if they called to do a bank interview thats what I had to say. He lowered his voice and shut his door to discuss this matter with me. XXXX XXXX printed out the contract for me to sign. He did not go over any of the paperwork with me and only told me where to sign. I left to retrieve my cash down payment and returned to pick up the car that day.
On the XXXX of XX/XX/XXXX my check engine light came on after my vehicle would not start. I turned the engine over three separate times to get it to turn on. On XX/XX/XXXX I went into the dealership to bring my next payment to XXXX XXXX. I brought him a cash payment of {$260.00} ( {$10.00} over the original due payment ) and let him know of the check engine light. He told me that his shop had over a backlog of 2 weeks before he could get my vehicle in to get looked at and to take it to a mechanic shop to be looked at. He proceeded to tell me that it was most likely nothing to worry about. I brought my car to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX. The moment the mechanic got into my vehicle, the vehicle immediately stalled. He wasnt able to turn the car back on to get it into the garage for 15 minutes. After the mechanic scanned the vehicle he came inside the shop and asked me how I was able to drive to his shop because his scanner was reading off a multitude of codes. He let me know that he wanted to keep the vehicle for the day to continue to read through and look up all the codes the car was giving off. After I left the mechanic shop I called XXXX XXXX. I let him know what the mechanic said about my vehicle and he said that he would talk to his shop manager on XXXX XX/XX/XXXX about trying to get my vehicle in sooner to check it out. The same day the mechanic called me to come collect my car and that the vehicle was reading off twenty different codes. He told me that no dealership would have been able to sell me this vehicle without knowing about all of these error codes. On XX/XX/XXXX I picked my car up from the mechanic and he let me know he wasnt sure if the car would stall again 5 miles or 100 miles down the road and to be extremely careful.
On Monday XX/XX/XXXX I brought my vehicle back to XXXX XXXX XXXX to XXXX XXXX office. I brought a friend of mine with me who has experience with mechanics and working at a dealership. I told XXXX XXXX what the mechanic told me and that I would like to return my car because I was deceived in being sold a car that has so many problems and that the dealership took advantage of me. He told me that I had to sign a paper and I could return the car. He was pleasant to me and my friend until I brought up how I would receive the refunded down payment and how the bank would know I returned the car in relation to the loan. He told me I wasnt going to get any money back and I would have to take it up with my financer. My friend asked XXXX XXXX why I would not receive the down payment back. XXXX XXXX responded with, thats just not how it works. My friend asked him to explain to me why that I wouldnt receive my down payment back when I returned the car. XXXX XXXX would not give any reason other than the former explanation. My friend said that when you buy any item that is malfunctioned and return it, you receive a refund for the item. XXXX XXXX said, This isnt a toaster. My friend told XXXX XXXX the dealership deceived me in selling me the vehicle because there was no way they wouldnt know what was wrong with it beforehand. XXXX XXXX became very angry and begun yelling at my friend that he wasnt a liar. Things begin to escalate from XXXX XXXX position as he was yelling at my friend and me about him not being a liar when we both were telling him that it wasnt a personal attack but the dealership knew what was wrong with the car and decided to sell it anyways. Eventually my friend had to leave the room because he was in fear of XXXX XXXX physically assaulting him. XXXX XXXX had stood up out of his chair multiple times and began to be physically close towards my friend. After my friend left, XXXX XXXX left the room and XXXX XXXX came into the room. XXXX XXXX asked me about my vehicle situation. I explained to her what the shop mechanic had said about my vehicle. She told me she was apologetic towards my frustration but there wasnt anything she could do and she didnt understand where I thought I was deceived. I told her XXXX XXXX gave me a verbal express warranty telling me that the vehicle was thoroughly checked for any problems and if there were any problems they would already be fixed. I proceeded to tell her about the Deceptive Trade Practices Act ( DTPA ) that protects me as a consumer from being deceived or mislead to purchase this vehicle. She told me no law exists that does that. We went back and forth with me consistently telling her that I was deceived by the dealership in the condition of the vehicle. After her telling me there was nothing I could do I asked for my vehicle back and would have to proceed with this further. She accepted and told me she would bring me my vehicle back as earlier XXXX XXXX took the vehicle to their shop to be looked at while I was speaking with XXXX XXXX. I went outside to speak with my friend and XXXX XXXX came outside to ask if I still wanted them to check the car and drive it. I told her yes in hopes they would see all the problems with the car and take the vehicle back as originally requested. After looking through my paperwork I notice my GAP insurance had a different car and VIN on it. I spoke with XXXX XXXX and showed her the document. XXXX XXXX took the document inside with her and said she would get the corrected document. I was immediately concerned as to why my contract paperwork that was sent to the bank would have a completely different vehicle and VIN on it. I immediately followed her and was brought back into XXXX XXXX office alone. He told me to sign the new XXXX document. I kept both the original and the new document. Once the shop manager, XXXX XXXX, was done looking at my vehicle she said the only code that popped up was for a catalytic converter. XXXX XXXX had shown me earlier that the dealership warranty on my vehicle would replace only emissions malfunctions as I had no warranty with the dealership. XXXX XXXX told me that none of the problems I had told XXXX XXXX were showing in the car such as the car stalling out, not starting, spontaneously jumping in the gas or break when my foot isnt on either, and had no other codes on the scanner. XXXX XXXX and XXXX XXXX told me I should take the car to a XXXX dealer they recommended to get the catalytic converter replaced under warranty. And if the XXXX dealer found anything else wrong with the car to let them know and they would get me in touch with another shop that could help me fix the vehicle. They would not be the ones to fix or replace anything in the vehicle. The entire time XXXX XXXX kept referring to my car as a XXXX instead of a XXXX, as he wasnt aware of what sale we were discussing anymore. I left the office and went to talk with my friend who was sitting outside in his car. He said when XXXX XXXX pulled the vehicle up next to him she was driving it extremely slowly and it stalled when she parked it. I went to start up the vehicle and it turned over three times before it started. I drove 2.8 miles before my car completely stalled out at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I had to leave my vehicle in a restaurant parking lot.
I went to XXXX XXXX XXXX hoping to get a vehicle I needed and instead was deceived and misled to buy a vehicle that can not drive. I was told to lie to my vehicle financer about my current job by two employees at XXXX XXXX XXXX. I attempted to return the vehicle for a full refund ( down payment and refund to the bank ). XXXX XXXX XXXX refused to refund and accept the car back ; as well as refused to fix any problems that were found.
I recently acquired XXXX XXXX and the attorney 's office of XXXX XXXX XXXX, XXXX. The attorney I've been working with is XXXX XXXX, phone number XXXX. They are currently writing a letter to the dealership on my behalf and she advised me to fill out this complaint with the consumer financial protection bureau and the Attorney General 's office.
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01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I made contact with Capital One Auto Finance to request a payment plan due to financial hardship. The hardship was temporary, and while I could make the full payment on XX/XX/XXXX if need be, it would be helpful in terms of my other expenses if they could push the payment back one month and extend the length of the loan accordingly.
When I spoke to the representative, I had one stated goal which I made abundantly clear : I do not want derogatory information reported to credit bureaus. A reasonable mind - one of even below-average intelligence - would understand that this means I would only be looking for payment plans that would prevent the reporting of derogatory marks to credit bureaus. If no such plan was available, a reasonable mind of even below-average intelligence would understand that the only correct answer to my request is " I'm sorry, we can not help you at this time. '' Failing that, it is obvious to any reasonable mind that when presenting other options to me anyway, it would be critical for them to state unequivocally and in no uncertain terms that the plan they are offering me would still result in derogatory information being reported to credit bureaus.
Unfortunately, my experience could best be described as " ineffective assistance of customer service '', to paraphrase from the legal world. And like ineffective assistance of counsel, the proper remedy is to remove the derogatory remarks and address the situation again with a representative that meets the " below average '' intelligence qualifications outlined above. Below I will provide a description of my experience, as well as my experience with Capital One more broadly, and why I had no choice but to file complaints with the CFPB and the commonwealth Attorney General.
On XX/XX/XXXX, I spoke with a capital one representative and made my goal of the call clear : to prevent derogatory marks on my credit report. Secondarily, my goal was to push back my payments a month and extend the length of the loan accordingly. The representative ran my information through some system that makes all the decisions for him, and it said that I was not qualified to have payments pushed back one month. At this point, a reasonable mind would have said clearly that they do not have any options available to me that would meet my primary goal of preventing derogatory marks on my credit report. A reasonable mind would tell me that the only option available to me is to make the payment that day ( the due date ) in full. Unfortunately, there was no reasonable mind on the other end of the phone line. The representative offered to put me on a payment plan instead, saying nothing about the fact that my account would still be considered delinquent.
The terms of the plan would be that I would not have to make payments on XX/XX/XXXX, however, I would need to make slightly larger payments on the XXXX of XXXX, the XXXX of XXXX, and the XXXX of XXXX. At this point, I would be caught up and able to resume normal payments on XX/XX/XXXX. It is unclear to me what exactly this plan would accomplish ; I was still reported to the credit bureaus for being late because teh account was still considered delinquent. All this guy did for me was a little bit of math to spread out my payment, while still being delinquent every month until XXXX. I could've just done that myself anyway! I know how to divide my payment by 3 and split it up. If it's still going to be considered late either way, why do I need some representative to dress up a 3rd-grade math problem for me and call it a " payment plan ''? Seriously- all they did was schedule 3 payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the slightly-higher amount. I wish I was making this up. I know it's hard to believe that they called this a payment plan, but I am absolutely serious. This really happened. Given the sheer absurdity of the existence of such a payment plan, it would be reasonable for me to assume that it would result in my account not being considered delinquent. I hate to make the same point repeatedly, but I think it really needs to be emphasized how absurd it is to call someone delinquent when they are making payments according to agreed-upon terms with the lender. Beyond that, avoiding a delinquency was the entire stated goal of the conversation. Even if this absurd payment plan was all they could offer me, it would be incumbent upon them to make it clear that this plan does not satisfy my request whatsoever. If I had this information, I would've made sure that the payment was made on XX/XX/XXXX and then called around to other lenders for potential relief instead. Again, I want to stress- this was the entire point of my call, and I made that clear.
Upon seeing the shocking negative mark on my credit report in early XXXX, I immediately made contact with Capital One again and confronted the representative with their deception. Of course, it was not the same representative. It was someone else ( and then later, their XXXX ) telling me that " of COURSE your account would still be considered delinquent! It's past the real due date, silly! '' as if it were obvious that an account could still be considered delinquent while payments were being made according to a verbal, legally binding agreement. They ultimately gave me the runaround and pushed me to file a dispute with their dispute department. ( One common theme with Capital One is that their MO is " not my department '', and of course the right department is always deliberately designed to be impossible make contact with ).
I asked to be transferred to the department that handles credit reporting. They, of course, would not do this. In fact, there is absolutely no way to talk to anyone involved with credit reporting at Capital One. Whenever credit reporting comes up in a phone call, they all have the same rehearsed talking points about " neither I nor any other human alive can possibly talk to you about this. The people who can, apparently, do not have phones in the year of our lord XXXX. The great credit overlords are only reachable by Fax and nothing else. Please file a dispute ''.
I had already filed a dispute regarding a similar matter with Capital One last XXXX. I provided documentation to support my claim, and demanded documented evidence from them that supported the negative mark on that account. They replied with a letter that simply stated " lol no ''. I am being facetious of course ; they in fact sent a full page letter that said " lol no '', but with 500 words. They did not provide any documented evidence to support their claim, including those documents which I expressly demanded. They provided no email or phone number for me to contact to follow up or discuss the dispute. Ultimately, I hired a law firm to handle the issue. Capital One, knowing that they were wrong all along, relented and removed this negative mark. I shouldn't have had to spend my hard-earned money proving that I am, in fact, correct ( perhaps I would've been able to make my XXXX payment with ease had I not spent money going after Capital One legally! But I digress... ). because of this prior experience, I did not even bother with filing an internal dispute in regard to the XX/XX/XXXX alleged delinquency. I don't need to wait 30 days for their kangaroo court to tell me " lol no '' again.
Instead, I submitted a dispute through XXXX, and Capital One ( I assume ) provided documentation that the payment was due on XX/XX/XXXX and that I hadn't made it. The derogatory mark remained. Capital One neglected to provide documentation to the credit bureau that would show that I was, in fact, in compliance with the agreed upon terms ( per the payment plan ) on the date that the derogatory mark was reported. While it's abundantly clear in hindsight that this payment plan was a total sham, there was simply no way to know in real-time that this " plan '' was simply some call center rep pushing some buttons that I could've pushed by myself.
Early on, I alluded to my belief that this was all the result of personal incompetence, as well as overall bureaucratic incompetence. However, I harbor suspicions that Capital One 's motives for their deception and obfuscation may be both deliberate and sinister. The negative mark that I was disputing back in XXXX made it nearly impossible to get an auto loan for a new car ( a car which I needed due to a total loss, and which Capital One knew that I needed because the total loss was on a Capital One Auto account ). Surprisingly, despite my abysmal credit score, I was approved for relatively good financing terms ... from Capital One. And only Capital One. The sales reps were surprised I could get financing at all with my credit score, let alone for a new car at the rate that I did. It was after this that I hired XXXX XXXX to barrage them in order to get the mark removed. While it's possible XXXX XXXX was simply better at this than I am, the timing of that removal ( ie- immediately after my new car purchase ) raises a lot of questions. Did Capital One deliberately sabotage my credit score with information that they knew to be false in order to ensure I financed my new vehicle with them? I don't know the answer to that. Perhaps the Consumer Financial Protection Bureau will be able to find out. Until then, I will assume incompetence rather than malice.
All of this brings me to the letter I am writing today. Capital One routinely engages in deceptive practices as outlined above. While I continue to assume for now that this is the result of incompetence on an individual and organizational level, Capital One 's practices as a whole demonstrate systemic maliciousness. They make it impossible for their representatives to assist with any complicated matters. They have a script and talking points, and that's that. They deliberately ensure that each individual representative in each department can only help with certain things. This results in constant transfers between different departments that, by design, are unable to communicate with each other. Some departments do not allow any access at all. I would love to simply resolve this dispute through Capital One. I have tried and tried, and I have gotten nowhere. I am left with no choice but to submit a formal complaint with the CFPB to get my derogatory marks from XX/XX/XXXX removed and to, hopefully, initiate an investigation into Capital One 's business practices.
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03/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I logged into my Capital One 360 Account to check prior amounts and found that almost my entire Account had been seized as Pending INTERNAL REVENUE SERVICE in what I was told in the immediate following telephone call to Capital One Bank, Capital One N.A. was an Internal Revenue Service tax lien, bank XXXX XXXX for 182 days until XX/XX/XXXX. I knew I did not owe the Internal Revenue Service any money and I was told by a bank employee and throughout this matter to contact " the person '' XXXX XXXX XXXX and was given a telephone number. The funds illegally coded and seized as INTERNAL REVENUE SERVICE tax lien, bank XXXX were in fact protected, exempt insurance check funds from my accident, injury claim. For weeks employees of Capital One Bank, Capital One N.A. and XXXX XXXX XXXX XXXX. pointed the finger at each other for being the responsible party to fax a letter of release to the other. I later found out exactly what had transpired when I first accessed the county court docket on XX/XX/XXXX with assistance from the Clerk of the Courts as to how to gain access to my case. In XXXX XXXXXXXX XXXX wrote off a credit card debt in my name. In XX/XX/XXXX a server sent by XXXX XXXX XXXX XXXX. appeared at a residence that I was living at and in not knowing what it was about did not take the serve and was read by myself in court documents that the papers were left outside. I proceeded by serving XXXX XXXX XXXX XXXX, it's associates, any subsidiaries thereof with non-disclosure and a cease and desist as they did not provide any proof of the only stated XXXX XXXX and total debt amount as there were extenuating circumstances as to others accessing said account. I even reached out to the representative of XXXX XXXX XXXX XXXX. and received no response. I never heard from any individual working for or representing XXXX XXXX XXXX XXXX. after that, but in researching the county court docket they proceeded and received a judgement for the amount of the write off. This was in XX/XX/XXXX. According to the county court docket approximately two months after I deposited the insurance checks for my accident, injury claim in XXXX XXXX XXXX XXXX XXXX. and would follow with filing for a Writ of Garnishment and did so serve my bank Capital One Bank, Capital One N.A. with a true copy of such XX/XX/XXXX. Capital One Bank, Capital One N.A. had 21 days to respond. Capital One Bank, Capital One N.A. never responded to the served XX/XX/XXXX Writ of Garnishment placing them in Default and responsible for the collection, debt plus fees to XXXX XXXX. I was never legally notified or served per the laws and the statutes of the State of Florida regarding the Writ of Garnishment by XXXX XXXX XXXX XXXX. nor XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. whom would take over the case. An AMENDED WRIT OF GARNISHMENT followed XX/XX/XXXX. I don't know how an AMENDED WRIT OF GARNISHMENT was allowed to be Ordered when Capital One Bank, Capital One N.A. had already defaulted on the served Writ of Garnishment XX/XX/XXXX. In addition, Capital One Bank, Capital One N.A. did not respond to the XX/XX/XXXX AMENDED WRIT OF GARNISHMENT within 21 days placing them yet again in Default and legally responsible for paying the collection, debt plus fees to XXXX XXXX per the statutes and laws of the State of Florida. The case was closed by the county court XX/XX/XXXX. I did not find out until the December 4, XXXX county court docket research discoveries that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. had used on the legal documents a temporary address that I had vacated on XX/XX/XXXX as my last known address. Whatever legal documents mailed to or served upon that temporary, few months address I vacated the year prior on XX/XX/XXXX were not received by me. Capital One Bank, Capital One N.A. was in full possession of my current address of almost a year at that point and could have provided XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. said. Being a collection agency and representing Capital One Bank, Capital One N.A. in past cases as is well public on the internet and a conflict of interest, I believe XXXX XXXX XXXX XXXX. in the very least would be privee to the most updated address information. As was told to me multiple times by Capital One Bank, Capital One N.A. employees, Capital One Bank, Capital One N.A. has it's " own XXXX XXXX XXXX Department ''. I don't know what, if any case involvement as far as representation XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. has in defending Capital One Bank, Capital One N.A. Three way telephone conversations took place between myself, the Internal Revenue Service employees and Capital One Bank, Capital One N.A. employees in which Internal Revenue Service employees stated to the prior that I did not owe the Internal Revenue Service any money nor did they, the Internal Revenue Service issue such tax lien, XXXX XXXX seizure and furthermore was stated to release my funds immediately. I was told by Capital One Bank, Capital One N.A. employees that " Customer Satisfaction '' was above management and that if I was not happy that I could just go ahead and contact them. Countless, countless telephone calls to Capital One Bank, Capital One N.A. requesting that my funds be released, telling employees of that the funds were protected and exempt and that Capital One Bank, Capital One N.A. was responsible for the collection, debt plus fees for Default not once, but twice and they still would not allow me to speak to any individual in the Legal Department, repeatedly kept referring me back to calling XXXX XXXX XXXX XXXX. and the telephone number or " Customer Satisfaction ''. In XX/XX/XXXX I received the Writ of Garnishment seizure letter 19 days after it was written and held for 13 days more until physically being mailed out from Capital One Bank, Capital One N.A. with only the first page of the XX/XX/XXXX AMENDED WRIT OF GARNISHMENT enclosed and date stamped as having first been received by Capital One Bank, Capital One N.A. XX/XX/XXXX. Capital One Bank, Capital One N.A. illegally coded and seized my protected, exempt insurance check accident, injury claim funds as an Internal Revenue Service tax lien, XXXX XXXX five months after they defaulted on the served XX/XX/XXXX Writ of Garnishment and three months after the defaulted XX/XX/XXXX AMENDED WRIT OF GARNISHMENT. A representative from " Customer Satisfaction '' sent me an email XX/XX/XXXX requesting the legal documentation and stated that they would review such with the Legal Department. When has " Customer Satisfaction '' been held above management and calls the shots as to what is seen or not seen by the LegaXXXX Department in any corporation? Apparently an employee of Capital One Bank, Capital One N.A. became concerned and gave this representative a listen to one recorded XX/XX/XXXX telephone conversation of what had transpired. I had already filed a Motion with the county court by the time the representative emailed me. I did email back this representative XX/XX/XXXX with an attached document of all pertinent case details. I received no response. More telephone calls followed by myself to Capital One Bank, Capital One N.A. with the same you need to contact XXXX XXXX XXXX. I contacted XXXX XXXX XX/XX/XXXX to let them know that Capital One Bank, Capital One N.A. defaulted not once, but twice and was therefore legally responsible for the collection, debt plus fees and of their attorney 's conduct. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. was served via the United States Postal Service my Motion to the county court and all attached documents. XXXX XXXX XXXX XXXX. knew that Capital One Bank, Capital One N.A. defaulted on the served XX/XX/XXXX Writ of Garnishment. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. knew that Capital One Bank, Capital One N.A. defaulted on the served XX/XX/XXXX Writ of Garnishment and defaulted on the XX/XX/XXXX AMENDED WRIT OF GARNISHMENT. I provided documents to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. which were photocopies of the deposited insurance checks for my accident, injury claim and per the State of Florida laws and statutes provided in my Motion to the county court as I was never legally notified or served and were so protected under such stated exemptions claimed as were additionally claimed personal property exemptions. I received no response what so ever from the representative of " Customer Satisfaction ''. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. has taken no actions for the Default not once, but twice on the part of Capital One Bank, Capital One N.A. and in seeking payment for the collection, debt plus fees that they are legally responsible to XXXX XXXX for. I most recently obtained the email addresses of the CEO of Capital One Bank, Capital One N.A. and the heads of other departments and forwarded to them the prior correspondence and document that received no response from the representative of " Customer Satisfaction '', additionally outlined the entire case again and attached copies of the defaulted served XX/XX/XXXX Writ of Garnishment, XX/XX/XXXX AMENDED WRIT OF GARNISHMENT and the dated, stamped envelope, first page of Writ of Garnishment seizure letter from Capital One Bank, Capital One N.A. mailed to me in XX/XX/XXXX as well as the first page of the enclosed XX/XX/XXXX AMENDED WRIT OF GARNISHMENT date stamped as having first been received by Capital One Bank, Capital One N.A. on XX/XX/XXXX. I repeatedly stated in prior writing that I wanted to resolve the matter prior to taking further legal actions or seeking further legal damages, that it was a simple fix of just releasing my funds and that Capital One Bank, Capital One N.A. was the legally responsible party and still no release, still no acknowledgement and still no contact from any individual from either XXXX XXXX XXXX, XXXX,, XXXX XXXX XXXX, XXXX. or Capital One Bank, Capital One N.A. All parties of which have past now put me in emergency need as was so stated by myself in my correspondence. My funds should have been released immediately by all parties involved. Not only is Capital One Bank, Capital One N.A. in default not once, but twice, my funds are exempt and protected under the laws and the statutes of the State of Florida provided to the county court, Capital One Bank, Capital One N.A. and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
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03/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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My Capital One Credit Accounts ending in # XXXX & # XXXX have been closed without authorized permission. These accounts are supposed to be open-ended consumer credit plans according to 15 U.S. Code 1637. Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay the alleged debt and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c Communication in connection with debt collection ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; I am unable to pay bills, use my credit cards and obtain new forms of credit because of these alleged debts and adverse action that has been taken against me the consumer. My private information is being shared with third-party consumer reporting agencies pertaining to alleged debt and is doing great damage to my lively hood. CAPITAL ONE is a financial institution and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 Wich states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. CAPITAL ONE is a financial institution by definition under that title. CAPITAL ONE the financial institutions surely does not have my consent to furnish this information and they surely do not have my written consent. ACCORDING TO 15 U.S 6821- Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 2 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; a I believe there is a billing error and this needs to be corrected. According to 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charge thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} Any and all consent to CAPITAL ONE whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CAPITAL ONE Never informed me of my right to exercise my non-disclosure option. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Ever company in their agreements with consumers they said they would follow the law and agreed to do so, according to! 5 USC 1681o- Civil liability for negligent noncompliance - In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure - Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
12 CFR 226.13 - Billing error resolution. 27 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumers right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). 30 If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
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07/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party.
I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Regards XXXX XXXX Accounts Requiring Immediate Removal : CAPITAL ONE with Account # XXXX for a debt owed of {$2000.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XXXXXX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or
agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a com
munication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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09/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I rented a car from XXXX XXXX XXXX XXXX because my vehicle went down under recall and I need it to rent a vehicle for the weekend until XXXX gave me a loan at the following week I was supposed to be charged the $XXXX I returned the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge large amounts of money to my credit card $XXXX to $XXXX $XXXX I had been calling them trying to see whether if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the for last 4 digits of the card and I thought they were telling me that they was just doing it just to verify with me but they were trying to charge the car Capital One was declining the charges I was seeing that this was happening online I also was contacting Capitol One telling them that XXXX was trying to continuously charge my car so I returned the car and later found out after they said my account was closed and it was $XXXX charge for the weekend I found out later XXXX was still trying to charge my card a week later they charge $XXXX then they charge $XXXX I have returned the car they never put the car in inventory so they continue to act like I had the card out I contact XXXX finally speaking to a supervisor and he said the car was never inventoried in and they will return the funds what my problem was why did Capitol One allow the $XXXX charge to my card when I only have $XXXX credit limit available and it would decline and all the other charges they allow the $XXXX charge in a $XXXX charge I called Capitol One told him this was an unauthorized charge for XXXX and XXXX and I had to no business with Capitol One I mean no business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capitol One said that they were going to follow dispute I asked for dispute after talking with them I told him to charge was unauthorised that XXXX should never have been able to charge it because Capitol One should not allowed it so Capitol One canceled my card I gave me a new card they told me it would take 30 to 90 days to review and investigate it took about two months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I got a call telling me that I was going to owe Capital One $XXXX after they did a 60-day review of the investigation and put $XXXX back on my car so I had I told them why when they gave me $XXXX available credit and why was I being charged and they said it was from XXXX and so I couldn't understand why did they give me $XXXX and then turn around within a week after I used it three hundred and then tell me I owed $XXXX which ran my bill up way over six $XXXX when only had $XXXX credit limit I run it a car from XXXX XXXX XXXX XXXX I'm because my vehicle went down under recall and I need it to run a vegan call for the weekend until kid game me a loner the following week I was supposed to be charged XXXX dollars every turn the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge Lodge amounts of money to my credit card $XXXX $XXXX $XXXX I had been calling them trying to see where it if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the four last for digits of the card and I thought they would telling me that they was just doing it just a verify with me but they would try to trust the car capital One was the climbing the charges I was seen that this was happening online I also was contacting Capital One XXXX them that XXXX was trying to contains the charge my car so I return to car and later found out after they said my Camas closed in it was a XXXX and $XXXX charge for the weekend I found out later XXXX still trying to charge my card it week later they charge $XXXX then they charged $XXXX I have returned the car they never put the car in inventory so they continued act like I had to cart out I contact XXXX finally speak into a supervisor and he said the car was never inventory in and they were returned the fun some my problem was wide XXXX Capital One allowed the XXXX dollar charge to my card when I only have $XXXX credit limit available any would decline and all the other charge the allow the $XXXX charge in the XXXX dollar charge I called capital One toll him this was the man authorized charge for XXXX and XXXX and I had to know business with Capital One me know business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capital One said that they were going to follow dispute I asked for dispute after talking with them I told him the charge was on the authorized and that XXXX should never have been even a charger because Capital One should not allowed it so capital One cancelled my car and gave me a new car they told me what take 30 to 90 days to move you investigate took about 2 months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I gotta call tell him me that I was going to owe Capital One XXXX dollars after they did a 60 day leave you of the investigation and put $XXXX back of my car show I had told my when they gave me $XXXX available credit and why I was a being charge and they said it was from XXXX and so I couldn't understand why did the give me $XXXX and then turn around with in a week after I used to XXXX tell me a told XXXX dollars which ran my bill up way over 6 $XXXX when only had $XXXX credit limit sound like that they would do it they did that I'm purpose I had contains Lehigh conversations with them throughout the 60 days trying to figure out what was going on they kept telling me they would trying to contact XXXX they wasn't havoc success and now I'm in Big that I am disabled on a fixed income I tried to talk to them over and over they would tell him me that they will working on it literally falling dispute they never did that I spoke to supervisor all on XX/XX/XXXX who said to me that he was going to call me back on XX/XX/XXXX and we fall the dispute and talk to XXXX that never happened he lied to me there also called me at that age something that night when I who has a son with XXXX was doing a I run it a car from XXXX XXXX XXXX XXXX I'm because my vehicle went down under recall and I need it to run a vegan call for the weekend until kid game me a loner the following week I was supposed to be charged XXXX dollars every turn the car the following week and got the loaner from XXXX and constantly through my rental I found out that XXXX was trying to charge Lodge amounts of money to my credit card $XXXX $XXXX $XXXX I had been calling them trying to see where it if I had to extend the rental what amounts it might be but I never gave them any authorization for charging they were asking me for the four last for digits of the card and I thought they would telling me that they was just doing it just a verify with me but they would try to trust the car capital One was the climbing the charges I was seen that this was happening online I also was contacting Capital One XXXX them that XXXX was trying to contains the charge my car so I return to car and later found out after they said my Camas closed in it was a XXXX and $XXXX charge for the weekend I found out later XXXX still trying to charge my card it week later they charge $XXXX then they charged $XXXXXXXX I have returned the car they never put the car in inventory so they continued act like I had to cart out I contact XXXX finally speak into a supervisor and he said the car was never inventory in and they were returned the fun some my problem was wide XXXX Capital One allowed the XXXX dollar charge to my card when I only have $XXXX credit limit available any would decline and all the other charge the allow the $XXXX charge in the XXXX dollar charge I called capital One toll him this was the man authorized charge for XXXX and XXXX and I had to know business with Capital One me know business with XXXX for a week it was a week ago and they only was supposed to charge me XXXX Capital One said that they were going to follow dispute I asked for dispute after talking with them I told him the charge was on the authorized and that XXXX should never have been even a charger because Capital One should not allowed it so capital One cancelled my car and gave me a new car they told me what take 30 to 90 days to move you investigate took about 2 months finally I received $XXXX back to my Capital One card and so I begin to use it a week later I gotta call tell him me that I was going to owe Capital One XXXX dollars after they did a 60 day leave you of the investigation and put $XXXX back of my car show I had told my when they gave me $XXXX available credit and why I was a being charge and they said it was from XXXX and so I couldn't understand why did the give me $XXXX and then turn around with in a week after I used to XXXX tell me a told XXXX dollars which ran my bill up way over 6 $XXXX when only had $XXXX credit limit sound like that they would do it they did that I'm purpose I had contains Lehigh conversations with them throughout the 60 days trying to figure out what was going on they kept telling me they would trying to contact XXXX they wasn't havoc success and now I'm in Big that I am disabled on a fixed income I tried to talk to them over and over they would tell him me that they will working on it literally falling dispute they never did that I spoke to supervisor all on XXXX XXXX who said to me that he was going to call me back on XXXX XXXX and we fall the dispute and talk to XXXX that never happened he lied to me there also called me at that age something that night when I who has a son with XXXX was doing a little she program in comparing him some big and tried to force me to have a conversation and tell me that they will gonna make sure that I would be responsible they call me at XXXX at night and I was doing the literacy program with my son and tried to force me to accept a charge that I would not agree with supervisor said he was going to call me back on the XXXX he never did I need help please help me with this
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02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I sent CAPITAL ONE FINANCIAL a Cease and Desist, Debt Validation, Conditional Acceptance, NOTICE AND DEMAND ( six pages ), regarding the debt validation on XX/XX/XXXX, of sent via United States Post Office ( hereinafter USPS ) Registered Mail Number XXXX Return Receipt to : CAPITAL ONE FINANCIAL HEADQUARTERS XXXX XXXX XXXX XXXX XXXX XXXX, VA [ XXXX ].
Please see below the last letter I sent them on XX/XX/XXXX register mail XXXX.
I included your company in correspondence with this matter with all mail I have sent CAPITAL ONE FINANCIAL.
NOTICE OF FAULT AND OPPORTUNITY TO CURE THIS NOTICE AND ENCLOSURES ARE A PRIVATE COMMUNICATION BETWEEN THE PARTIES AND CONSTITUTE DUE PROCESS NOTICE TO AGENT ( s ) IS NOTICE TO PRINCIPAL ( s ) -- - NOTICE TO PRINCIPAL ( s ) IS NOTICE TO AGENT ( s ) DATED : XXXX XXXX XXXX the XXXX day of the XXXX month of the year XXXX XXXX FROM : : XXXX ;. XXXX ( CLAIMANT ) XXXX XXXX XXXX XXXX XXXX California [ XXXX ] Non-Domestic without the United States TO XXXX CAPITAL ONE XXXX individually and in the commercial capacity, acting as and/or its principals, subsidiaries, agents, affiliates, successors and/or assigns ( individually and collectively, RESPONDENTS ) c/o XXXX XXXX XXXX XXXX XXXX XXXX, VA [ XXXX ] CONSUMER FINACIAL PROECTION BUREAU XXXX : XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, D.CXXXX XXXX ATTORNEY GENERAL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SECURITIES AND EXCHANGE COMMIISSION XXXX XXXX XXXX XXXX, XXXX WASHINTION, DC XXXX FEDERAL TRADE COMMSION XXXX XXXX XXXX XXXX XXXX, XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Cease and Desist XXXX Debt Validation, Conditional Acceptance Letter, dated XX/XX/XXXX, from Claimant to Respondents ( among others ), regarding Cease and Desist, Debt Validation, Conditional Acceptance Letter.
COMES NOW THE CLAIMANT, natural woman and free inhabitant on the land, in peace and with the intention of obtaining lawful remedy as is provided by law NOTICE TO THE ABOVE RESPONDENTS IN THE MATTER OF : CAPITAL ONE FINANCIAL CORPORATION, acting as CREDITOR and/or, agents, affiliates, successors, debt collectors ; failure of Respondents to properly respond to Cease and Desist, Debt Validation, Conditional Acceptance, and, failure to comply with the Claimants demands, and, failure to carry out Claimants orders, pursuant to the Notice.
NOTICE : Capitalized and defined terms not otherwise defined in this Notice of Default and Opportunity to Cure shall have the meanings ascribed to such terms in the Notice.
He who is silent is considered as assenting, when his interest is at stake.
An unrebutted affidavit stands as truth in commerce.
He who is silent is supposed to consent. The silence of a party implies his consent.
An unrebutted affidavit is acted upon as the judgment in commerce.
I. STATEMENT OF FACTS 1. On XX/XX/XXXX, I XXXX XXXX XXXX made presentment of Cease and Desist, Debt Validation, Conditional Acceptance, NOTICE AND DEMAND ( six pages ), regarding the debt validation sent via United States Post Office ( hereinafter USPS ) Registered Mail Number XXXX Return Receipt to : CAPITAL ONE FINANCIAL HEADQUARTERS XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX, a copy of which is enclosed herein.
2. Per the Claimants inquiry to USPS.com Track and Confirm, and per the dated return receipt PS Form 3811, the Cease and Desist, Debt Validation, Conditional Acceptance Letter was delivered on XX/XX/XXXX to RESPONDENTS.
3. As of XX/XX/XXXX, RESPONDENTS have chosen to ignore my request.
4. As of XX/XX/XXXX, RESPONDENTS failed to comply with the Claimants Conditional Acceptance and failed to uphold Claimants demands pursuant to the following Sections of the Notice ( which were required to be complied with and postmarked within twenty-one ( 21 ) days of said Notice ) : 1. VALIDATE DEBT 2. DEMAND FOR REMOVAL 3. PAY COMPENSATING DAMAGES 5. RESPONDENTS have not refuted nor rebutted the PRESENTMENT via affidavit sworn under penalty of perjury.
6. RESPONDENTS also have failed to perform required actions.
7. RESPONDENTS failed to provide the complete GAAP Audit trail for this account, including all documents.
8. RESPONDENTS are in violation of Title 18 USC 242? 241? and15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) - when STATING we understand you would like us to modify the information we reported about your accounts. Weve confirmed that were reporting accurate information. I was not given the chance to opt out of having this information reported about account ending in XXXX and this disputed information must be removed.
9. RESPONDENTS stated, AFTER CONDUCTING A REVIEW of your account ending in XXXX, we have made the decision to suspend and close your account on XX/XX/XXXX. Pursuant to 12 C.F.R. 1026.13 ( d ) ( 1 ), the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by CAPITAL ONE FINANCIAL CORPORATION will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for CAPITAL ONE FINANCIAL CORPORATION for the actual damage caused to I, the affiant, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error.
10. RESPONDENTS stated, We respectfully decline your request to zero out the balance on the account ending in XXXX. Pursuant to 15 U.S. Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact and this debt has already been paid for.
11. RESPONDENTS stated We confirm we made no errors when servicing of your accounts. Therefore, we are respectfully declining your request for compensation. Pursuant to 15 U.S. Code 1681n, my invoices are listed accurately according to all of your violations.
12. RESPONDENTS stated, Capital One is not required to sign an affidavit or certify its response made to a customer complaint, request for information, or receipt of documentation. According to the UCC and the Laws of Commerce, in commerce, truth is sovereign. Truth is expressed in the form of an affidavit. An unrebutted affidavit stands as truth in commerce. An unrebutted affidavit becomes a judgment in commerce. Therefore, he who leaves the field of battle first ( does not respond to the affidavit ) loses by default. Youve yet to respond via affidavit.
13. RESPONDENTS are at Fault.
14. RESPONDENTS have no right to act outside the scope of Claimants instructions in the Notice.
RESPONDENTS willingly breaching their fiduciary duties by failing to honor RESPONDENTS Cease and Desist, Debt Validation, Conditional Acceptance Letter and failing to uphold Claimants rights can only lead Claimant to believe that RESPONDENTS are continuing to violate the many Title 15 united states codes listed.
II. OPPORTUNITY TO CURE You have ten ( 10 ) days from the delivery date of this NOTICE OF FAULT AND OPPORTUNITY TO CURE to : ( a ) meet all obligations described in the Cease and Desist, Debt Validation, Conditional Acceptance and send a signed notice of completion of said obligations postmarked within ten ( 10 ) days, or, ( b ) respond to the Cease and Desist, Debt Validation, Conditional Acceptance ( sent with the Notice ) on a point-by-point basis, via sworn responsive affidavit, under RESPONDENTS full commercial liability, signed under penalty of perjury that the facts contained therein are true, correct, complete and not misleading. As expressed in the Notice, mere declarations are an insufficient response. All responses are required to be mailed to me in care of the Witness at the mailing location provided in this Notice styled EXACTLY as written below : ________________ c/o ______________, Witness c/o ____________ ____________, ________ [ _____ ] NOTICE : Any and all responses from RESPONDENTS shall be sent to Claimant by traceable mail only, certified or registered mail. If an extension of time is needed to properly answer, please request it in writing and send the request by traceable mail to the mailing location provided above. If you simply meet the obligations of the Notice, your actions shall not be construed as an admission of guilt, and I shall release you of all liability regarding this matter. Your non-response to the Cease and Desist, Debt Validation, Conditional Acceptance shall be construed as an admission of the facts contained therein.
III. FAILURE TO ACT AS REQUIRED The Witness shall execute a certification of your response or lack thereof. If you fail to respond, said certification, along with the NOTICE AND DEMAND ( and Cease and Desist, Debt Validation, ) and this NOTICE OF FAULT AND OPPORTUNITY TO CURE, shall be the FINAL EXPRESSION IN A RECORD as a complete and exclusive statement of the terms of the agreement between us.
Public notice of our private agreement may be made a matter of public record at any time and at the discretion of the Claimant.
IV. ENCLOSED The following is enclosed are incorporated herein by reference. Please read them carefully : 1. Cease and Desist, Debt Validation, Conditional Acceptance, certified copy Thank you for your time and attention to this matter.
I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct, under common law.
Executed without the United States, at XXXX this ______ day of the __________ month. Witness my hand.
Witnessing By : _____________________ ___________________ ____________, All Rights Reserved ___________________ NOTICE : THIS DOCUMENT IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS AND IS FOR THE PURPOSE OF OBTAINING LAWFUL REMEDY AS IS PROVIDED BY LAW.
Using a notary on this document does not constitute any adhesion, nor does it alter my status in any manner. The purpose for the notary is verification and identification only and not for entrance into any foreign jurisdiction.
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06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Captial One has closed my credit card account, negatively impacting my credit standing, taken my reward points, and continues to tell me that I have no recourse, that I failed to provide proof of identity ( which I repeated provided ), and frequently turned off my card declaring that there was fraudulent activity when my purchases were consistent week to week at the same shopping establishments.
XXXX**I last wrote them on XX/XX/XXXX requesting that my account be reinstated and, if they wouldnt do that to, at least, provide me with my never-before-redeemed XXXX reward points representing approximately {$36000.00} in purchases. They replied in the negative to all requests and could not provide a logical reason as to why I was treated unfairly.
*****During the time I held the card from XXXX through XXXX, the frequency with which the card was shut down for routine purchases increased, my calls to resolve the issues sent me around the world to various customer centers, and it often seemed that one part of the organization could not communicate with the other, with the end result of me being crushed in the middle. I never failed to pay them in a timely fashion, paying my full balance each month.
*****Many times I was sent to call centers all over the world and it seems that the organization is so large that one part doesnt know what the other part is doing or has done. The employees attempting to assist me were themselves often baffled.
-- -- -- -- -- -- -- -- -- -Timeline -- -- -- -- -- -- -- -- -- - XX/XX/XXXX Capital One locked me out of the online account.
XXXX I contacted XXXX regarding the situation ; they never responded.
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I stated that I had not heard back from XXXX XXXX Fraud & Dispute Department Supervisor, in XXXX, employee ID # XXXX and telephone number XXXX and could she please transfer me to XXXX. XXXX informs that there is no way to transfer me or to leave a message for XXXX, the supervisor I was speaking to on XX/XX/XXXX, who informed that I would get a call back regarding the status of my card. Transferred to XXXX in XXXX, XXXX.
XXXX XXXX, XXXX XXXX p.m., XXXX XXXX XXXX XXXX XXXX XXXX informs that there is no way to transfer me to the XXXX office and XXXX the supervisor that I was speaking to on XX/XX/XXXX. I told XXXX my whole story again. XXXX put me on hold to speak to a Senior Account Specialist. XXXX returns and informs that the Account Manager said that before the account was restricted, it was closed already. Informed that after providing my identification verification on XX/XX/XXXX, I had made charges in XXXX and XX/XX/XXXX. I was told that a note in my account said that it could not be reopened. I asked if I could at least obtain my reward points. XXXX placed me on hold again to check with the Rewards Department to see if that could be processed. XXXX returned to inform that since the account is closed, the reward points can not be processed. I asked for an address where I might send a letter with a final request ; after searching, XXXX told me that they had a lot of departments and a lot of addresses and could not find an address where I could submit a letter. Again, another very nice customer service rep, very apologetic, but no results.
XXXX XXXX a.m., XXXX, XXXX in XXXX XXXX asks me to wait on hold while he calls Fraud Division, after I explain that I had attempted to use the card today at a XXXX gas station I always go to and it did not work and that based on my call on XX/XX/XXXX during which I again verified my identification, I expected that the matter had been resolved since I had not heard back. Transferred to XXXX, Fraud Account Specialist, in XXXX.
XXXX XXXX a.m. XXXX a.m., XXXX XXXX Fraud Account Specialist, in XXXX XXXX I tell my story. He says he would be upset, too, and sees where I called on XX/XX/XXXX to verify my identification. I state that I had provided uploads of my drivers license on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and also back in XXXX. He informs that there is a note in my account that the account can not be reopened even at my request. He explained that the account had already been reviewed for reopening. I stated that I was baffled and that this would adversely affect my credit and that I had reward points. He confirmed that I had points and that I had never redeemed any of them. He informed that the account had been closed for restrictions and inactivity, but that it appeared to be normal activity with no return payments, etc. He would escalate to his supervisor and I was placed on hold while he explained the situation to her. Transferred to XXXX XXXX Fraud & Dispute Department Supervisor, in XXXX.
XXXX XXXX : XXXX a.m. XXXX p.m., XXXX XXXX XXXX XXXX XXXX Department Supervisor, in XXXX XXXX
Explained my story again. She said that she would like to be an advocate for me but would have to reach out to the Back Office Team. I outlined to her that I have never not paid Captial One, not been late on payments, have tried to use the card but it is continually shut down on me so that I cant, that I have spent hours on the phone attempting to rectify various situations, that I use the card to charge in the same locations usually on the same days of the week at the same times more or less and that this should not trigger the continual suspicious activity shutdowns that I am continually getting, that a card closure like this adversely affects my credit score and I dont deserve that, that I have been given no good reason why the account has been closed, that it seems Captial Ones one hand doesnt know what the other hand is doing and the messages arent getting to the places they need to in order resolve this, that I have been sent all over the world to various Captial One servicing departments, that now I have lost my reward points I never redeemed, that I have lost a lot of time attending to this card, that I have a superb credit rating, that I was happy with the customer service representatives but that I was getting no results.
XXXX said that it looks like the reopening request had been erroneously sent to the Management Team instead of to the ReOpen Team as it should have been and that she would try to reroute this and would call me back with the results in 7 to 10 days. She said that she would call me back. I asked how I could get in touch with her in case I missed her call ; she gave me her employee ID # XXXX and telephone number XXXX.
XXXX XXXX, XXXX, XXXX, XXXX While on phone with Customer Service received a text connecting to XXXX mobile app used to upload drivers license front/back photos for identity verification purposes. After verifying identification, XXXX informed account on restriction. Verified my XX/XX/XXXX and XX/XX/XXXX purchases and payments, my email address, cell phone number, and XXXX XXXX XXXX. XXXX asked if I had another address before and I provided my street address and explained the situation with my XXXX drivers license and problems getting it updated due to COVID. XXXX informed that my account had been closed due to failure to respond to an XX/XX/XXXX letter. I reminded that I had used the card in XX/XX/XXXX, called to confirm my ID on XX/XX/XXXX having the latest restrictions lifted and begun using the card again in XXXX & XX/XX/XXXX. He said that he could see that and didnt understand the disconnect and so would forward the request to reopen the account and I should have an answer in XXXX to XXXX days. Supervisor XXXX complimented on XXXX help and professionalism.
XXXX card used for charges XXXX card used for charges XXXX card used for charges XXXX called to get help re-establishing username online and resetting password due to lock XXXX XXXX informs card restricted due to suspicious activity, while on phone with Customer Service received a text connecting to Retail ID Online mobile app used to upload drivers license front/back photos for identity verification purposes, restriction removed, when asked why it had been placed I was informed that I did not have a standard email and it was a suspicious email, verified my email and cell number. Fraud Account Supervisor XXXX complimented on XXXX help and professionalism.
XXXX card used for charges XXXX XXXX, XXXX, XXXX, Fraud Protection Department , informs , We have to remove the Temporary Restriction placed by the system. We have to clear the restriction before we can access the account. She confirms my cell and email address. She informs that the IDCheck system used through text to mobile app to verify drivers license front/back is temporarily unavailable. Fax ID. The back office will call me back once they review the ID in XXXX to XXXX days. Restriction placed XX/XX/XXXX at place I routinely shop. Confirmed charges.
*****XXXX XXXX card used for charges *****XXXX XXXX card used for charges XXXX card used for charges XXXX while on phone with Customer Service received a text connecting to XXXX mobile app used to upload drivers license front/back photos for identity verification purposes to reopen card which had been shut down since XX/XX/XXXX while I was on a temporary work assignment at the XXXX XXXX in XXXX and working 11 hour days with no time to attend to anything. At that time, I just used another companys card because I did not have time or the resources/accesses to attend to Captial Ones requests. XXXX XXXX explained on XX/XX/XXXX, that my card was frozen because I added an email to the account and didnt have one listed before and it locked up the acct. This is inaccurate as I applied in XXXX for this card online and have used 2 emails with this card.
XXXX attempted call regarding XX/XX/XXXX card freeze XXXX freeze at XXXX XXXX XXXX TX XXXX XXXX card used for charges TX XXXX XXXX card used for charges TX and XXXX XXXX XXXX card used for charges XXXX...
XXXX Captial One confirmed my identity and accepted my email change XXXX sent fax front and back of drivers license with XXXX XXXX XXXX XXXX changed email to -- XXXX from -- XXXX XXXX first online sign in XXXX card received XXXX applied for card online
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04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I contacted first premier and gave them my ex boyfriend address and phone number after notifying them that i did not authorize this account. The filed the affidavit and told me they would fix the issue. They are still reporting this debt on my credit and this isn't my debt. This was the debt of XXXX XXXX, XXXX and I told them who opened this account in my name and they said they would go after him for the money because he had another case going for id theft. accout number # XXXX XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity.
15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
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09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate UPDATING REFLECTING NO LATE PAYMENTS AND PAID IN FULL : Capital One with Account # XXXX or Acct ending in XXXX is reporting inaccurately Proof that my account was PAID IN FULL and should be updated with no late payments ( SEE ATTACHED ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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10/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Incident that occurred XX/XX/2020 On XX/XX/2020 Mr. XXXX had attempted to log in to his capital one account using a desktop that was located at his residence at XXXX XXXX XXXX XXXX and although he logged in using this device that belonged to him at the same location, he lived at for over 5 years using the same internet service that he has had since he moved to the residence and using the correct log in credentials capital one flagged the log in as suspicious and required that he be sent a text in order to unlock the account. Mr. XXXX currently doesn't not own a phone and was worried that he could not access the account to make the payment on time before the XXXX he panicked and ended up hurting himself he had multiple XXXX XXXX XXXX to his XXXX XXXX and has suffered from XXXX because of this. Mr. XXXX has attempted to resolved this matter he chatted with multiple reps via online chat with no resolution, he called the fraud department via his local branch with no resolution, he filed complaints with the XXXX the attorney general 's office and the CFPB and despite this capital one will not allow Mr. XXXX to access the account, Mr. XXXX even uploaded copies of his driver 's license to capital one for verification but capital one didnt even follow up with Mr. XXXX.
Americans with disabilities act It is against the law to discriminate or to deny access to services of good and products because of a XXXX. It is also against the law to discriminate against someone based on race, creed, gender, and social and economic status. You can not prevent someone from logging into their account because they do not own a phone a person may not own a phone by choice, location where phone service isn't accessible, if a person can not afford a phone, and if some has a physical or XXXX XXXX that prevents them from being able to use a phone. Captial one by law can not deny a legitimate account holder access to their account because they do not have the access to a phone for the reasons outline in this paragraph. Capital, one has failed to provide Mr. XXXX with an alternative means of verification. Mr. XXXX did however upload a copy of his driver 's license front and back but capital one did not unlock the account nor did they even address or follow up on that issue Attempts made to resolve this issue Mr. XXXX has made numerous attempts to resolve this matter with capital one Multiple chats were initiated with capital one 's customer service and multiple agents gave MR XXXX the incorrect information.
Customer service chat Mr. XXXX was told that was told that if he called XXXX capital that he could resolve the matter over the phone this was incorrect as he spoke to the fraud department and was told that wasnt possible. Mr. XXXX was also told by the customer service agent that he could uses someone else 's phone and MR XXXX had a friend to whom he trusted had allowed the use of their number but when the agent attempted to send the verification text it failed because the number wasnt in MR XXXX 's name. This however is a concern for two reasons 1 if and individual did have a mobile phone but the phone wasnt in their name that person wouldnt be able to do two factor authorization. And secondly if an individual has a prepaid phone or a XXXX XXXX even though they have a mobile phone that individual wouldnt be able to do two factor authorization because they do not have a generated bill under their name, they simply purchase a prepaid card and load the money onto the phone rather than have a generated monthly bill. Not that there is no fraud accruing here Mr. XXXX Simply wants to access his account online and simple doesn't have the means to do the two-factor authorization via mobile phone.
Capital One Fraud Department Call Mr. XXXX had attempted to make a call via his local bank-desert financial in hopes that he could resolve the matter over the phone. He spoke to an individual from the fraud department and was told that the only other way to verify the account without a mobile phone was to either mail or upload a copy of his driver 's license and within 7-10 business days they would verify and unlock the account. Mr. XXXX did in fact upload a copy of his driver 's license however it has been over a month and he still has no access to the account nor has capital one responded about the issue with the driver 's license. Mr. XXXX also explained to the fraud department that he had switched from a pc that broke in XXXX to a tablet and had no problem logging in with the tablet and had received an email from capital one on XX/XX/XXXX but even though he used a new device it did not require that he do a mobile text verification it was only when he used his new pc that it did this to him. The fraud department said that they had never heard of that happening before.
Capital One Caf located at XXXX XXXX XXXX XXXX Capital one bank has no physical branch locations however they had a branch that was supposed to open in spring of 2020 according to XXXX XXXX XXXX Mr. XXXX had drove all the way from XXXX to XXXX only to find that the branch was closed. Mr. XXXX Believed that he could resolve this if he could speak with someone at the branch however the only location was closed even though under governor XXXX XXXX executive order banks were deemed as essential businesses and could remain open even during a stay at home order. During that last two months however in order for Mr. XXXX to make payments on his 2 accounts he would have to drive from XXXX twice a month just to make a payment at the only capital one atm because he still did not have access to the account. The branch finally opened in the first week of XXXX and Mr. XXXX made another trip down there and spoke with the customer service rep Mr. XXXX XXXX. Mr. XXXX told Mr. XXXX that there was nothing they could do that you have to have a mobile phone. Mr. XXXX asked if he could escalate the matter but Mr. XXXX said he couldnt do that. After explaining to Mr. XXXX, the situation in regards to the call to the fraud department he informed Mr. XXXX that they were giving him the incorrect information and that the only reason they would ever have a member upload copies of a driver 's license was for a name change on the account. Mr. XXXX spoke with Mr. XXXX for about twenty minutes and with no resolution or help of any he then left Arbitration Attempt 's XXXX, Attorney Genrals office, ADA XXXX XXXX XXXX complaint A complaint was filed with the XXXX XXXX XXXX of XXXX Virgina on XX/XX/2020 however capital one did not attempt to resolve the matter or even put forth a response they only stated that they were processing the complaint The Arizona Attorney General 's Office A Complaint was filed with the Attorney Generals ' office on XX/XX/2020 however capital one responded saying they needed additional time to research the matter but did not offer a response ADA A complaint was also filed with the ADA due to the fact that Mr. XXXX clearly told capital one that he had a XXXX and that they would not make an accommodation to allow him access to his account. There has been no follow up with the ADA Complaint and that complaint is still pending.
Mailing Payments While mailing payments is an alternative it however doesn't resolve the matter. Firstly, there's a cost associated with that Mr. XXXX would have to purchase checks, and he would also have to purchase stamp 's and envelopes. In addition, the time it takes would be much longer to process a mailed payment as opposed to simply being able to log into the account and making a payment online it would take 1-2 business days to fully process an online payment whereas it could take a week- two weeks to process a mailed payment.
The Argument The argument here is clear Mr. XXXX needs access to his account so that he can conduct his banking online and conveniently. Mr. XXXX is the account holder and there is no fraud here Mr. XXXX simply does not own a mobile phone and doesn't have the means to do so. And a business can not force someone to have a mobile phone in order to access the account and they most certainly can not force someone to have a mobile phone who either doesn't have access to a mobile phone, or some who has a XXXX that prevents them from using or owning a mobile phone. And capital one has not provide any type of reasonable accommodations to resolve this matter in fact they refused to offer any resolution. While capital one maintains that they do this for security purposes capital one should not prevent its own card holders from having access to their accounts because of social economic status, and or a XXXX or lack of access to a mobile phone. In this case Mr. XXXX made a legitimate login from a desktop that was located at his residence associated with the account using the same ip address and same internet provided associated with the address on file with the accounts and despite this capital one requires him to have a mobile number without a reasonable alternative way to verify the account. Mr. XXXX should not be forced to go out of his way to purchase a mobile phone simply to receive a text message the account in question should have never been flagged in the first place. Mr. XXXX can make payments via mail or via the atm but Mr. XXXX needs access to the account for other reasons such as, checking the account balances and transactions, accessing rewards monies, checking credit wise alerts, and most importantly if a fraudulent transaction or purchase were to occur on Mr. XXXX account he would need to be able to quickly access the account to check his trans action history simply relying on a paper statement mailed once a month wouldnt suffice. Mr. XXXX wouldnt be able to catch the fraudulent charge and dispute it quickly if that were to ever occur because he doesn't have access to his account online.
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06/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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In XX/XX/XXXX, this company closed both of my credit cards stating 1st party fraud, never told me, and continued to operate as though the cards were open through many of my conversations with representatives in regard to other topics. When I caught this and brought it to their attention five months after ( XX/XX/XXXX ; spoke to Senior Investigator " XXXX '' ), they've done nothing but play games with me during what they called an investigation process. Ultimately, deciding not to reopen my cards. Before I get into the final details, I want to point out : - I had Card # 1 from XX/XX/XXXX until the supposed close date XX/XX/XXXX.
- I had Card # 2 from XX/XX/XXXX until supposed close date on XX/XX/XXXX.
XXXXUntil XX/XX/XXXX ( 6 1/2 and 4 years respectively ), my payments were 100 % on time. I even paid off the cards multiple times. I was an A+ customer.
- In XX/XX/XXXX I contacted them about hardship options. I had been going through a divorce, and trying to pay my mortgage and take care of my children on one income. While I STILL had never been 30 days late, I was anticipating that I was going to have problems meeting my minimum payent in the near future As a result, they denied temporarily lowering my APR, but put my on what they call as " Specialty Program ''. What that meant was you would not be charged any late fees ( {$38.00} per month ) if your payment was late. And even though they still had an obligation to report to the Credit Bureaus, as long as I made my min. payments in under 30 days, it wouldn't mark my credit report anyway. I followed this Program to a " T '' until XX/XX/XXXX. I began to struggle even more, and on XX/XX/XXXX my payment became 30 days late for the first time in 6 1/2 years on Card # 1 and 4 years on Card # 2. But even then, I contacted them on XX/XX/XXXX, spoke with rep XXXX XXXX, created a payment plan to fix the problem. I then contacted them a " XXXX '' on XX/XX/XXXX and created a second set of payment plans. I downloaded the onlne chat transcripts from both of these calls. I'm glad I did, because both of them advised me incorrectly. So much so on the second go round, that I followed the payment plan terms, and when I went to resume normal payments after it ended, I noticed that Capital One had me down for missing 3 payments in a row. I called on XX/XX/XXXX, spoke with a manager named, XXXX, who had it investigated. On XX/XX/XXXX, a Senior Invesitgator, XXXX, called me back, said that they found in my favor. After reviewing the chat transcripts, found I was advised incorrectly and that corrections were made, it would be fixed to reflect I paid my payment plan according to the given terms, and that my credit card would be updated accordingly ( strange considering my card was closed all along, huh? ) -I actually even made additional payments in between due dates once on these payment plans.
-While not the main reason for filing this complaint, I think this is important to mention, because I feel strongly that this is why this company is not doing the right thing. They made an errors and they are not willng to fix it because I am now a customer who was on their specialty program. In my opinion, they figure they should just do away with me because it's easier than letting me continue on a plan that they suggested and I follow it as instructed.
This brings me to the main issue, and my accounts now being closed. The bank account that I used since XX/XX/XXXX( and was attached to everything in my life ) was hacked in XX/XX/XXXX. They stole {$1500.00} from me, and it was a nightmare to recover from. This was not a debit card, it was the entire bank account. So, my money was not immediately replaced. I had to wait 2 weeks to see the funds returned, and it took nearly 45 days to be completely rectified. Everytime we got close to closing out the account while waiting for a pending bill or deposit to come through, the hackers would hit it again for another random smaller amount. I learned really quick that bank accounts being hacked are much harder to remedy. Not to mention all the little hiccups afterward.. it was like a ripple effect and a very stressful time, much more than I would have ever imagined. I also had to get an entirely new account. I was ALMOST CERTAIN that I removed the old compromised bank account info from capital one 's website. But, I may have overlooked it because it was such a disorganized disaster. I do at least have proof via email from Cap One that I permanently added ( as opposed to just typing it in every time I make a payment ) my new bank account info to their website in XX/XX/XXXX. My payments from my new bank account are documented and you can see me paying with my new accounts every month thereafer. However, I got an email in XX/XX/XXXX from Cap one saying my payment was declined. The account cited in the decline was my old closed account that had been hacked. I called Cap One immediatley ( Manager, XXXX on XX/XX/XXXX, from Cap One acknowledged they could see this call documented on XX/XX/XXXX ). I said that I could have sworn I removed that account, and not sure why I didn't catch it when I swiped up to accept payment on my phone ( I didn't always use mobile payment ), but it's very possible I just didn't notice that it had defaulted to that account as a payment method. BUT, that's very odd because I had been paying from open / current accounts for nearly an entire year at that point. Why was it even an option, even if I didn't catch it? The rep said no problem, and he'd permanently remove the account info from the payment methods and that it wouldn't even allow me to add it back on if I tried, so no worries as to it happening again. On XX/XX/XXXX, I got an email stating I had a document waiting for me on Card # 2. I logged in, and it was a letter stating that me a bank account used for my recent payment had been flagged as incorrect or ineligible. I figured the letter was a follow-up to what me and the rep discussed the following day. That was the last I heard of it. Not a notice they were closing my accounts. Not to mention this only happened on Card # 2, but they closed both cards and one of the reps ( XXXX on XX/XX/XXXX ) said I tried to use the old account on both. 100 % not true and anyone who just looks at my payment history can see that. So, I then continue on 6 more payments, consisting of 2 payment plans created by 2 different reps on two different dates, AND, I settle and entire investigation about inaccurate payment plan information and inaccutrate credit reporting in my favor by a supervisor and a senior investigator, after this supposed closure in XX/XX/XXXX. I even paid paying extra payments by mail in between due dates, ( one set of payments mysteriously got lost in the mail, and I had to remail ). All along no one from Cap One is saying a word. Not one person knew the accounts were closed. Their reps even acknolwedged that someone should have caught this. Luckily, by taking notes, names and dowloading chat transcripts, I was able to get them to fix other errors in the past. Now is no different. I have documented every call. I have documents, emails, details to support everything I have stated here. I am so very offended that a customer who had a flawless payment record prior to applying for the hardship program, but then followed the hardship program as instructed, is being accused to trying to purposefully use a flagged bank acount for payment. I've never so much as been given a speeding ticket! It was bad enough that I had to deal with the aggrevation because someone stole FROM ME, and account that I alerted capital one to was closed. And then to close my accounts, say nothing, have reps that continue to speak to me, and take payment from me as if it was open, and no one is willing to fix this situation. On XX/XX/XXXX when I spoke with Senior Invesitagor, " XXXX '', she was very sympathetic and acknowledged this was just not right. She told me to be prepared that the investigation could take up to 20 days due ot COVID. I waited a total of 35 days ( XX/XX/XXXX ) to get a denial with zero explanation! When someone called me back on the to basically say, " sorry about your luck '', I expressed my intent to file at small claims court and report them to AG and Cosumer Finance, unless they took the time to speak with me, get the actual details, and reconsider, the investigator told me she would turn it over to their " Advocacy '' team to see what could be done. I requested that I actually get to speak to someone from that team prior to decisions being made. I waited another week and yesterday ( XX/XX/XXXX ) I get a voicemail from a " XXXX '' referring to herself as another senior investigator. When you return calls you never get to speak to the person that called you. You just speak to whatever Sr. Inves. answers the phone, and it's like starting all over again.. I call back. It's just another investigator who has to read the notes on my case like they all do when they call back and then proceeds to tell me that she has no idea what an advocacy team is or what the prior investigator was talking about. Are you kidding me? The last Senior Investigator just invented an imagainary department? I asked this woman ( I could not hear or understand her name, as there was a lot of disrruption on her line ) would not even listen to me when I asked if I could please share the details with someone.Then she said someone would call me back when they could. This is insane.They ruined my credit! By A LOT! That was my oldest standing card and they ruined my credit by closing it. For a reason that simply isn't true, and documentation to support that. The fact that they can get away with destorying someone's credit and accuse them of fraud when clearly it is not .... and I'm left to pick up the pieces of this mess.
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12/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
Servicemember |
My issue has to do with a car dealership and a financialinstitution who in my mind, at a minimum, are in collusion with each other concerning potentially predatory lending.
I have copies of almost all the correspondencewith XXXX XXXX XXXX if needed, I also have most of the text messages between myself and XXXX XXXX who was the salesman at XXXX.
On XX/XX/XXXX I received the first emails stating I was Pre-Approvedfor a loan from XXXX XXXX, XXXX, XXXX and XXXX, the offer was supposedly good between XX/XX/XXXX and XXXX. I selected to viewvehicles I believe and you are required to provide your name and phone number. I started receiving emails, texts and phone calls almost immediately. I was contacted by a salesman by the name of XXXX until XX/XX/XXXX which was 5 days past the sale date and I never heard from him again.
After XX/XX/XXXX I continued to attempt to contact him via emails and I also called the dealership twice to see if XXXX XXXX was there or was an employee I was told no. XX/XX/XXXX was the last time I attempted to reach XXXX XXXX and it was by email. I did not follow up and considered it a dead issue.
On XX/XX/XXXX I received an email from Capital One 'reminding me ' that my pre-approval was good till XX/XX/XXXX.
On XX/XX/XXXX I received a total of 4 emails from Capital One for various reasons including one to 'Pre-qualify ' as it would not affect my credit score and would allow me to 'build my own deal ' if I was approved. I did go through the pre-qualifying steps and then received 3 more emails requesting that I upload documents, one being proof of monthly income.
I called Capital One and asked why they would need any of my information since I was already 'pre-approved ' and they have all of my information anyway otherwise how would they determine if I was eligible to be 'pre-approved '. I then received yet another email requesting that I upload documents.
XX/XX/XXXX I received another email from Capital One saying I had been 'pre-qualified and I was 'Ready to Shop '.
They have a tool called the 'XXXX XXXXUntil your pre-qualification expires, you have access to these exclusive benefits : See your real rate and monthly payment on each car while you shop. Build your deal to find what works best for you and your finances. Be prepared when you visit the dealership with your Offer Summary in hand.
XX/XX/XXXX I received another email from Capital One saying I had till XX/XX/2020 to take advantage of my 'pre-qualification ' status before it expires.
XX/XX/XXXX, another email from Capital One reminding me that my offer expires soon.
XX/XX/XXXX I received another email from Capital One, this time pigeonholing me to XXXX XXXX although my new offer didn't expire till XXXX XXXX.Hi XXXX, Your offer is ready. Now, you just need to find the right car. Weve alreadypreapprovedyou for {$4000.00} to {$35000.00} in auto financing. Shop for a car at any of these dealerships before your offer expires onXXXX XXXX, XXXX XXXX XXXX XXXX ... XXXX Hopefully you notice where it tells me to shop at any of these dealerships, there's ONE, and it's XXXX. There's a box youcan check to find other dealers participating and still my ONLY option was XXXX XXXX.
In these emails, if you want to even view automobiles that are available, you are required to click on the link and provide your information otherwise you can not move forward.
I received yet another email on XX/XX/XXXX and it reads as follows ....
Use your offer during the Pre-Approval Sale at XXXX XXXX. XXXX, Thanks for registering for the upcoming sale at XXXX XXXX. Weve forwarded your info to the dealership. Connect with the dealership on the phone or online.I could care less if Capital One says they are auto generated emails and you have to opt out in order to not receive them anymore, I did opt out and I received another email today, XX/XX/XXXX and I haven't been in contact with Capital One or XXXX since XX/XX/XXXX.
You can see how both of these companies operate because assoon as I gave in and registered with XXXX, almost immediately after submitting to reviewvehicles I was contacted by email, text and phone from a salesperson by the name of XXXX XXXX. I spoke with him via email, phone and text and he was requesting that I put in an application and I expressed my hesitation in doing so as I've been through this before. I stated many times that I only want to use Capital One since I'm already approved through them, I was leery as he made it sound like it was already a done deal and all I had to do was submit an application with XXXX, I have his email telling me this ' Once we receive this we will tie it to your Capital One pre approval and go forward from there. ' I did not complete an application till XX/XX/XXXX at noon with the knowledge that he was not working that day.
XX/XX/XXXX my email box was inundated with emails from XXXX XXXX and XXXX about all of the hard hits that have been done on my credit by XXXX XXXX while XXXX understood all along that I only wanted to work with Capital One.
XX/XX/XXXX I received an email from XXXX XXXX from XXXX asking that I send him proof of income. I informed him that I previously submitted that information to XXXX, I sent them everything and more before the end of the day. I asked XXXX about the {$250.00} I was to receive for making a purchase online and he didn't know anything about that as he was 'new '.
They continued to do hard hits on my credit on the XXXX, XXXX, XXXX yet in between all that time I never heard from anyone until I sent XXXX a 'what kind of business do you run email on XX/XX/XXXX, I heard back from XXXX XX/XX/XXXX informing me that he had passed my file on to who he didn't mention. I tried to contact XXXX again later that evening and did not hear back from him yet again.
XX/XX/XXXX I received an email from XXXX XXXX who is apparently the finance director for XXXX stating that she would be taking over at this point to get me financed. We had talked on the phone and she told me she would get back to me that afternoon/evening. This is what I received after 42 days of trying to deal with XXXX.
Here is what I have worked with the banks. I was told you were looking at being at a {$200.00} payment, the only problem I am having with that is with that price point and credit, my term and carry is limited, also looking like they would require {$1000.00} down. I can look at a certified vehicle, however payments would be closer to {$300.00} a month. Let me know if you could be flexible with the cash down or payment and I can put something together for you.
I replied to her nicely requesting that she have the General Manager call me. That was 6 days ago now and I'm still waiting on the call.
At this point I can't go to another dealer because my credit was hit so many times, even though I didn't have great credit in the first place, it would be impossible for me to be financed unless I go to a Buy Here, Pay Here lot.
I could not for the life of me understand why I was continually being sent to XXXX XXXX XXXX, now I understand. They want to have complete control over your every step along the way, including the vehicles they make available to you, the down paymentrequired, what your interest rate will be, the length and terms of the loan including but not limited to your monthly payment and tax & license.
Capital One doesn't help by steering this customer to one dealer obviously XXXX which gives you zero leverage.
I called Capital One many times asking questions, one of my questions was 'what good is the 'Build your own offer ' if you don't allow me to build one '?
I also asked 'why if you state that you can loan me {$21000.00}, yet I'm only asking for {$5000.00} to {$7000.00}, then why would I need to give a {$1000.00} down payment to you? ' I explained that they ( Capital One ) were pigeonholing me into purchasing cars that barely meet they're own requirements just so you charge more in interest or a down payment.
That's right up there with predatory lending.
This program if that's what you want to call it will have limitations obviously and is mainly for lower income buyers that may not have the best credit, their earnings are lower than others and for those who can only afford a smaller down payment, but sending me to one dealer and you can't really use the 'Build your own Offer ' because it will stop you if you don't meet the requirements for any given vehicle.
The vehicle must have less than XXXX miles on it, however, the vehicles you have to choose from, the majority are very near or are already over XXXX miles. The year and make also figure into whether you might be able to work a deal, yet again, it's like cattle being led to XXXX.
In my case, not only am I beinglimited to the one dealer, who has no desire to help me, I didn't even get a chance to talk to them about any of the vehicles they had to offer. Not once was I told anything by XXXX. How much morelimited in vehicles could it possiblybe for me? I can answer that, I didn't have an option.
If you don't have a vehicle to trade in, you are almost required to put a downpayment of {$1000.00}.
The more mileage on the car the less of a guarantee of a loan and/or you are required to put even more money down.
The information below is straight off their terms and conditions.
Shorter financing terms will be required for higher mileage vehicles.Down Payment may be required for some applicants. If the financing terms you include in your application are inconsistent with our financing policies, we may provide you a financing option that complies with our standards. Offer is valid for vehicles within the last 10 model years. Vehicle mileage must be less than XXXX.
My response to all of this in two words. Predatory lending.
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12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. Capital one - {$1800.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX XXXX they should not be able to get any information or give any information to a non affiliate 3rd party company. 15 usc 1681j ( 9 ) Use of enquiries as a key factor If a key factor that adversely affects the credit score of a consumer consists of the number of enquiries made with respect to a consumer report, that factor shall be included in the disclosure pursuant to paragraph ( 1 ) ( C ) without regard to the numerical limitation in such paragraph.
( 2 ) Timing A consumer reporting agency shall provide a consumer report under paragraph ( 1 ) not later than 15 days after the date on which the re- quest is received under paragraph ( 1 ).
f ) Prohibition on sale or transfer of debt caused by identity theft 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5 U.S. Code 552a - Records maintained on individuals ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. 16 CFR 313.3 ( 1 ) Nonaffiliated third party means any person except : ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type 16 cfr 313.3 states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15. 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 15 U.S. Code 1601- Congressional findings and declaration of purpose It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 15 U.S. Code 1681a - Definitions ; rules of construction ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. debit card ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. Source 15 USC 1681a ( r ) ( 3 ) electronic fund transfer means- ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) account means-fund transfer have the same meanings as in section 1693a of this title. Source 15 USC 1681a ( r ) ( 4 ) ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. card issuer means ( 1 ) Card issuer. The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. Source 15 USC 1681a ( r ) ( 1 ) reseller means The term reseller means a consumer reporting agency that Source 15 USC 1681a ( u ) consumer reporting agency means ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title. Source 15 USC 1681c-1 Open-end credit ( 20 ) Open-end credit means consumer credit extended by a creditor under a plan in which : Source 12 CFR 1026.2 12 CFR 1026.13 - Billing error resolution. 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. ( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required. the Irs states that a charge off is considered a certificate of indebtedness. these accounts on XXXX violated The privacy act of 1974 and which are here to protect me. Capital one - {$1800.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX XXXX XXXX they should not be able to get any information or give any information to a non affiliate 3rd party company.
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03/17/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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Web |
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Recently I was the unfortunate Victim of an elaborate and vicious credit card / banking Scam. I was defrauded by a sophisticated well-funded fake enterprise. The criminals posing as XXXX XXXX XXXX reps used funds from a valid XXXX XXXX account to pay off my debt.
They deceived me into thinking I had won a big prize by first paying off XXXX $ worth of personal credit card and misc XXXX debt, from XXXX XXXX XXXX # XXXX then they had me deposit 2 payments totaling XXXX $ cash into a XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And then two & three weeks later they are able to reverse all the payments originally maid.
I have since notified my local authorities, my XXXX bank, Capital One, and other creditors by phone. But unfortunately, to this date, no one other than myself has taken this matter seriously. It was then and is still now, my expressed belief that FBI Fraud specialists should be notified, and yet in recent previous phone calls I have made to both XXXX and Capital One, both companys reps expressed unwillingness at that time to assist me in notifying the FBI or anyone else. So now I am forced to put this all down in writing and report it to the FBI myself. In doing so I will do my utmost best to be as truthful and accurate as possible.
On Friday XX/XX/XXXX, I simultaneously received an email and a phone call from a company claiming to be XXXX XXXX XXXX saying I had won XXXX XXXX dollars. They said someone had entered my email address. The email I received from this company appeared legitimate, and the caller identification on my phone said XXXX. The following is a detailed account of the events of this deceitful scam.
On Friday morning XXXX XX/XX/XXXX, the first day of the Scam. I took a call from a team of a man and a woman, and I could hear others in the background. We spoke on a three-way phone call. They congratulated me profusely and told me to check my email. They said I was the lucky winner from XXXX XXXX XXXX. I could hear music and celebratory cheers and excitement in the background. The main-women on the call aka ( XXXX ) asked the others in the room to be quiet, then XXXX and the main-man aka ( XXXX ) spent approx . 10 minutes explaining how I had won XXXX XXXX dollars and the implications of winning this large amount. Secondly, they said that my choice not to notify the local XXXX XXXX newspaper would mean some small additional expense on my part, along with me having to pay for insurance for my winnings to be delivered and a small handling fee.
They played their parts very professionally, but I was still suspicious. Then they told me that XXXX winners should not have to pay any fees out of pocket, and that the first part of my winnings, along with the XXXX XXXX prize money, was that they would immediately pay-off up to XXXX XXXX dollars on any outstanding bill, debt or credit card. A moment later, I was on another three-way call with XXXX from XXXX and my credit card company. I had to provide my credit card numbers, but not the expiration date or the secret 3-digit codes on the back. XXXX from XXXX keyed in the bank and routing numbers and theoretically paid off my credit cards. I did not have XXXX XXXX dollars worth of debt at the time, so after paying off what dept I had, XXXX had me write down the XXXX XXXX account and routing numbers. He said, there was XXXX $ total for me to use to pay any debt, but not to go over that amount, because it would be rejected.
Then I was told to take a cash advance of XXXX from my newly paid off credit card and deposit the money into a XXXX XXXX XXXX, XXXX account. I was under the impression that I had won the prize, but before I made the withdrawal, I called Capital One and asked if a person or company paid off a credit card, could they change their minds and take it back? The answer I was given was : Typically no, and after the payment posts and shows a new balance, then definitely- no. Which was the same answer given to me by my XXXX banker in XXXX XXXX when I asked him the same question. So, I thought I was somewhat safe in withdrawing and depositing the cash. The Scammers told me that I had to save the receipt for the XXXX deposit, as it would be needed to collect the prize money.
This Scam started on a Friday morning, XX/XX/XXXX. During that day I was in constant contact with fake XXXX reps. I even called their office and was automatically put on hold and listened to the XXXX XXXX about making dreams come true. In one phone call I was told that we were to meet at my local XXXX XXXX at XXXX XXXX in the XXXX and that two XXXX reps were driving in from XXXX airport. They were to come by my house first and then meet me at my local XXXX XXXX and at that time they would deliver the funds. Then, at around XXXX XXXX the same day I was called again by XXXX, she was apologizing to me and sadly said that her reps coming from the airport were in a serious car accident in XXXX and that they both needed medical attention and that the delivery of my prize would have to be postponed until the next day. But because of the inconvenience, she said they would put another XXXX $ in the XXXX XXXX account for me and that I could use to pay off anything I desired. I told her I did not have that much debt, and she said I should pay off a friends debt or save it until I needed it. XXXX said, XXXX provides the funds this way because this money would not be considered taxable income and it would help to lessen the tax burden of winning XXXX XXXX dollars. She did a good job of selling the idea. We even said a prayer for her injured reps and agreed to talk in the next morning.
The next day was Saturday and there was excitement and anxiety both mine, and the Scammers over completing the transaction before the bank closed early on a Saturday. They said the insurance I had purchased for the day before was only good for the previous calendar day and that I would need to deposit more money XXXX $ into the XXXX XXXX XXXX XXXX account. They sent me pictures of my house and said they would be coming to my home soon, and that I and a friend, if I desired, would follow them to the bank. But first, I had to make an additional payment. When I complained, they said I could pay just XXXX $ & they would cover the other costs until I received the winnings at the bank, at which time we would square up.
The Scam surely counted on me the victim, not sleeping much the night before because of the expected excitement of thinking I was a Big Winner. To increase their deception, I do remember in hindsight, that I was immediately able to use the XXXX XXXX account money they gave me to pay my XXXX phone bill. I used it to pay my internet bill, I bought TABS for my car, and even supposedly paid off 2 really high heating & utility bills. At that time, the XXXX XXXX account numbers they had supplied appeared to be active and viable, so I thought it was legitimate. ( But, 3 weeks, later, all payments were eventually reversed ).
On Sat XXXX, XXXX at approx. XXXX XXXX the Scammers called and had elaborate story of how due to the car accident, the delivery of prize money would have to be delayed again. They were now saying it would be Monday at the earliest before I could receive my prize. Then on Monday, they apologized again and said it would be later in the week. At that point I was becoming disillusioned with these people, but still held out some hope and, the XXXX XXXX account money they supplied me to pay off my bills seemed to be working fine. ( But in fact, I now know the only bill that stayed paid was XXXX $ for the TABs on my old truck. ) In the meantime, as stated previously, I had made multiple calls to Capital One and other credit card companies trying to gain confidence that once the XXXX XXXX payments were posted, that they Could Not Be Reversed. On at least two occasions, both Friday and the following Monday, during that critical part of the scammers deception, I was assured by Capital One Employees that once the payments had posted and the available balance was updated, NO ONE COULD REVERSE THE PAYMENTS.
Obviously, this has not been the case, as all of the payments made to Capital One, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and others, from the XXXX XXXX account in question ( that the Scammers had supplied to me ) were ultimately reversed with no explanation. It did take more than 3 weeks or more for some payments to be reversed. This long delay is confusing and highly suspicious to say the least. It should not be that easy to reverse all those payments, which leads me to believe that the Scammers have people inside the banking community helping them to swindle innocent people.
I believe I was targeted partially because of my vulnerability. I am currently unemployed and somewhat XXXX. I have applied for Social Security XXXX, and I am awaiting XXXX to repair a painful and debilitating XXXX XXXX injury. Additionally, after the scammers had theoretically paid off my credit cards, I was immediately offered more credit, which I should not have had accepted, but I did. In my defense, at the time I was under the impression that my other credit cards were paid off and that I had money in an account to pay future bills.
After the painful realization that I had been so thoroughly Scammed, I now find myself in the unfortunate place of having very little income in which to pay down the majority of my debt. My bank account has been drained and overdrawn, my credit has been frozen and or, restricted. I may now be facing personal bankruptcy. It is my hope that justice be served and that others will not have to go through this nightmare of frustration.
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11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Im writing to request your help in remedying harm caused to me by Capital One Credit Cards after they mishandled a small clerical error in my application for a Capital One Spark card. This has resulted in three Hard Inquiries- on each of the credit bureaus that has negatively impacted my credit score.
Even so, instead of being accountable for their lack of transparency and poor customer service- they are placing an onerous burden on me to remedy what is essentially their mistake.
This is despite the fact that Ive been a Capital One customer for over a decade. I opened my Capital One 360 checking and savings accounts in XXXX and a Capital One Quicksilver credit card in XX/XX/XXXX.
I also want to let CFPB know Capital One made the reparation process for their XXXX data breech exceptionally cumbersome.
Finally, Capital Ones customer service is only available in small windows, with call menus that waste customers time before letting us know no ones available - and their website and app are down way too often.
Details are as follows : THREE HARD INQUIRIES DUE TO CAP ONE DYSFUNCTION On XX/XX/XXXX, I applied for a Capital One Spark credit card, which offered a {$500.00} bonus if you spent {$4500.00} in 90 days, as I had some big expenses coming up.
Over the next few days, I was surprised to not hear back about my application. Besides being a loyal Capital One customer, my credit rating had been in the low XXXX most of my adult life. I hadnt carried a balance on any credit card since the late XXXX. So when I apply for credit cards, Im always approved immediately.
So I called Capital One to inquire as to why my application was held up, but no one could tell me anything except it it takes 7-10 days processing. So I assumed it would be coming.
Almost two weeks later, I received a letter from Capital One, in the mail, saying my application had been declined but with NO information as to why On XX/XX/XXXX, I called Capital One but still could not get any information as to why my application was declined. I escalated the call to XXXX, who also offered no insight as to why Id been declined. She simply offered to put the application through again, i.e., reapply- which I did.
Shortly thereafter, I received another letter saying that my application had been denied.
I called Capital One again! At some point, I was able to ascertain that in my on-line application, Id accidentally put my last name in the first name box, and my first name in the last name box! This is why Id been declined- even though all the financial information was accurate - and in every other way, it was clear it was me. Even so, the agent offered no solace, apologies, and most importantly - no solutions.
By this time, my expenses were coming up. So I applied for a XXXX XXXX and XXXX XXXX XXXX XXXX. Though they offered lower cash bonuses than a Spark card, they would help. My application with both banks was immediately approved so I was able to use them for my expenses.
On XX/XX/XXXX, I had more expenses possibly coming up - so I started a new application for a Capital One Spark card. This time, since I didnt swap my last name for first name. The application was immediately approved.
Unfortunately, my upcoming expenses did not materialize so towards the end of my 90 days, not having spent the {$4500.00}. I decided instead to buy some gift cards to bring my total up to {$4500.00}. However Capital One told me that pending charges would not count towards earning me that bonus. NOTE : Most other credit cards DO include charges that are still pending at the cut-off date of the bonus period!!!
While I never received any benefit from the Capital One Spark card, as you can see from the attached page of my XXXX Credit Report, there are three Hard Inquiries from Capital One : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX.
For contrast, during this same period, I applied for and received credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a second XXXX XXXX XXXX XXXX - NONE of which created a hard inquiry!
In XXXX, I checked my credit score and saw it had dipped to the high XXXX with two of the three credit bureaus. I did some research and learned that Hard Inquiries negatively impact ones credit score.
So on XX/XX/XXXX, I called XXXX Disputes Department at XXXX to file a dispute. However the agent told me there was no bridge for her to remove the Hard Inquiry because - although she could see the last name and first name were swapped - ALL THE FINANCIAL DATA WAS CORRECT. She agreed this should not have been an obstacle for the bank. So I requested my Credit Report to see what she was referring to Also on XX/XX/XXXX, I called Capital One to dispute their Hard Inquiries. The agent said I needed to send a letter to Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. In that letter, I needed to indicate my name, address, Spark account number, social security number, date of birth, as well as the credit bureau in question and include detailed information/documentation - including images- with the incorrect item circled. She said Capital One would review my request within 30 days - and mail out a response which would take another 7-10 days.
NOTE : Best case scenario, Capital One is accountable to their error, this prolonged process adds another 1-1/2 months that my credit score is dragged down by their error.
On XX/XX/XXXX, I received XXXX credit report - all 14 pages, only one of which includes the Hard Inquiries. Also, I dont want to remove a page from my credit report so - should I scan it and print it out again for Capital One?
It now occurs to me, this wont fix the Hard Inquiries with XXXX and XXXX. Though I discover I can order all my credit reports on XXXX I also realize I can only do so once a year. This seems like a total waste - and additional burden.
On XX/XX/XXXX, I call Capital One again and am told that- not only does Capital One insist I send a document showing the incorrect information- but theyll only remove the Hard Inquiry from ALL THREE credit bureau, if I send ALL THREE FULL CREDIT REPORTS!!
So basically, Im being asked to send highly sensitive material in the mail - not just a letter with my social security number and birthdate - but also my three credit reports. First- as someone whos been the victim of five data breeches in XXXX and XXXX alone - including one from Capital One- it strikes me as highly risky - not just to send this personal information through the USPS mail- but to have floating it around Capital One offices - after theyve proved themselves to be a highly dysfunctional organization that cant even process a simple credit card application with the last and first name swapped.
Secondly, theyre asking me to send my valuable credit reports to which Im only entitled once a year - unless I have the 50 double-side pages photocopied - a time-consuming and expensive process. Not to mention, the cost in time and money - of mailing the package, especially in a secure fashion. THIS IS UNACCEPTABLE THAT I SHOULD PAY THIS BURDENSOME PRICE FOR CAPITAL ONES DYSFUNCTION.
Attached please find : ~A page from my XXXX Credit Report showing all three of Capital Ones Hard Inquiries as they appear on my credit report ~ALL THREE of Capital Ones Hard Inquiries with ALL THREE credit bureaus pulled from Experiences Identity Works identity defense service CAPITAL ONE DATA BREACH While the Capital One Cyber Incident occurred on XX/XX/XXXX, I was not notified until XX/XX/XXXX by mail - even though I was in the affected group, having applied for my Quicksilver card in XXXX. Thats a significant gap, during which time my data was exposed, unbeknownst to me. The gap also makes it impossible to track the fact that my email address is now on the XXXX XXXX
While Cap One offered XXXX credit monitoring, they made a deadline of XX/XX/XXXX to sign up. That seemed to me a very short window. Since XXXX data breach was still in the news, I passed on signing up, especially since I still had credit monitoring from either the XXXX or the XXXX data breach.
On XX/XX/XXXX, almost three years after the breach, I received ONE EMAIL notice of a Class Action Settlement. I had no idea there was even a case!!
Also - the notification method was not really befitting something so important as one email, especially for me, with hundreds of spam emails a day - thanks to a data breach.
Finally, the remuneration process was paltry. Not only was it challenging to prove whether or not I was directly affected, but the XX/XX/XXXX deadline to enroll in the class action suit was short notice for those of us with busy lives.
Worse, although they offered three years of identity protection to those of us who couldnt prove direct harm, it was almost IMPOSSIBLE to get it.
Starting XX/XX/XXXX and for over a year, I called every few weeks to get the identity protection. I spoke to XXXX first. He told me I had to just keep checking the website. I called more times and talked to XXXX, XXXX, XXXX and others. But instead of getting the protection service, I was sent to the website again and again. Eventually, I was also advised to call XXXX where I was repeatedly promised the activation code in a week, but it never arrived as promised until finally - on XX/XX/XXXX, XXXX gave me the proper activation code so I could be enrolled!
It should not have been this hard.
In conclusion, while I chose Capital One to avoid giving my business to one of the five big banks, they now appear too big to function effectively and fairly.
I ask for your assistance in navigating their bureaucracy and would like all three Hard Inquiries removed from my credit report.
|
12/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
I have reached out to Capital One over the phone today because I saw they charged me a fee of {$10.00} PLUS an additional fee of {$0.00} as cash advance for a payment of {$37.00} I made at Wise. I had the customer service agent XXXX on the phone and explained him the situation and also explained to him that this was not a cash advance payment as I would not pay {$10.00} as fees for an amount of {$37.00} additionally. XXXX referred to their terms and conditions. I explained XXXX that in their terms and conditions are nowhere listed that I would be charged when I am paying through XXXX, XXXX, XXXX, XXXX or any another of the payment solutions retailers use. As XXXX was not able to assist me further I asked to talk to a supervisor as I explained to him that there was a similar situation in XXXX with Capital one when I paid for a card I bought from XXXX and Capital One handled that purchase as cash advance as well though it was not a cash advance either. And when I explained to the people from Capital One after it went back and forth them accusing XXXX for declaring the purchase as a cash advance. XXXX back than assured me they did not declared the payment as such. So at the end Capital One refunded me the additional charges and fees for this transaction.
When I saw these extra charges appearing on my statement this time I reached out to Capital One to clarify this situation and have the issue fixed before the closing date. But as I told you XXXX was not really helpful and even told me I should buy products and services in their app because for those I would not be charged extra fees. And I asked him what sense a credit card makes then if I am limited only to purchase the goods and services the credit card issuing bank is offering and for everything else I would be charged the cash advance fees as apparently Capital One has that freedom to declare payments as cash advances even if they are not actually cash advances.
I explained to XXXX that I am from XXXX and over there our banks do not have the freedom to make arbitrary decisions what payment can be considered what just to maximize their profit taking advantage of people. At that point XXXX knew the following facts : I am not a local, XXXX is not my first language ( it is actually my XXXX language ), and that I was going through some issues that put a hardship on me. When XXXX finally connected me with his supervisor XXXX I informed her as well about me being technically considered a vulnerable customer by XXXX standards and explained to her the situation as well. XXXX ignored everything I said as well and insisted on that my payment was a cash advance and for that reason, I am getting charged the minimum fee for cash advance of {$10.00} and I need to pay {$0.00} additionally as interest. And I explained to her as well if she believes that I was doing this being aware of those fees when I paid a bill of {$37.00} that I have done this when I do have money on my checking and savings accounts I am having with Capital One.
XXXX then told me that if I had paid the bill with my debit card they would not have charged me the the cash advance fees and the interest. I asked to explain why that would have made a difference as it is the same money from the same customer paying for the same bill and I was technically told that because of their definition. I asked XXXX where as a customer would I have had the chance to read exactly this that they define and declare charges freely the way they want to what she could not really give me an answer. I explained to her that we have had the same issue in XXXX and I was refunded the extra charged they took from me to what XXXX responded that most likely was due to the goodwill of Capital One which I explained to her was nonsense as no company has money to throw out - especially not during a global pandemic. And if that indeed was a gesture of goodwill that situation and the time would have been perfect to educate the customer that the refund was actually a gesture of goodwill and explain to the customer why and why payments through merchants outside of the Capital One app and websites would be considered cash advances and also inform the customer that should this situation repeat the customer would have to pay for this. But nothing of the sort has happened. I received the refund I believe it was in a form of a check and I believe an apologetic letter was sent to me from Capital One as well.
I had to bring this up multiple times before she finally decided to look into the case. She then told me that the refund was not done by them but by the dispute department and she told me to hold while she will reach out to a supervisor from the dispute department. While waiting several minutes I was introduced to XXXX from the dispute department. XXXX later used the term of being my senior account XXXX though. I explained the whole situation to XXXX as well. Explained to her that I was not aware Capital One would do things like this and define certain charges as cash advance when others like XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. would not. XXXX talked to me as I was an XXXX. I assume that XXXX told her that I would technically fall under the definition as vulnerable customer and XXXX just wanted to discriminate me with the way she talked to me. She literally talked to me as I was a XXXX XXXX XXXX not knowing anything about how banks and transactions work and as I just crawl from underneath a rock. The worse part is I told her my name, spelled my name as I did to the others as well and NONE OF THEM EVER even showd some efforts to pronounce my name correctly. But XXXX was the worse calling me at least XXXX different names.
All three also could see my information on the screen - they confirmed this when I asked them if they can see my details in regards to that I would have used other payment options if I knew that Capital One would charge me an extra fee of {$10.00} for a payment of {$37.00} - and all of them called me Ma'am or XXXX. I explained to them that just my voice is higher but I am male. I was born biologically male and I did not have any changes on my gender nor do I intend to change something. But XXXX and especially XXXX completely ignored the fact at all. And with XXXX talking over me and constantly interrupting me I had already several names she called me.
XXXX XXXX confirmed that if there are third parties involved in payments Capital One would consider those payments as cash advance. I explained to XXXX that these days the little kiosk in the mall uses a third party merchant solution like XXXX, XXXX, XXXX, XXXX and how would I as a customer know or be informed when Capital One actually considers which payments as cash advance to what condition. XXXX had no response to this either accept for referring to Capital One policies. I asked XXXX if she is going to take care of this and fix this as this is not the right way to do business and it is taking advantage of people, especially the vulnerable ones who would not even realize fast enough or at all that they were being charged {$10.00} PLUS interest fees by Capital One buying a bottle of water for {$2.00} at a Kiosk in a mall for example and that kiosk uses clover or SumUp or any other payment processor and Capital One would consider that payment as cash advance because they can and because they want money.
How can this even be legally happening such practices? XXXX rudely interrupted me again and even when I told her that her behavior is absolutely disrespectful and unprofessional and that she can not treat customers that way and call them names she wants to use for them or assign them genders based on what she believes she can do she did not really care. I informed XXXX I will reach out to regulators and consumer protection institutions were Capital One is doing business since this is absolutely disturbing and I am actually very concerned of that Capital One is doing this to elderly people who we know are not regularly checking their bank statements. Or other vulnerable people or people in need or refugees just to take advantage of those individuals and to make sure to make money!
XXXX 's employee number she gave me when I asked her about identification possibilities is as follows : XXXX ( I can not tell if this is even correct but that is the only information I received ).
I am sending you my complaint as I have the huges hopes with you to take care of this issue. And also because Capital One is headquartered here in this country and they seem to believe that they can actually do whatever they want to and discriminate and take advantage of people and their situation to their own gain.
I sincerely hope you will make sure this bank is never ever going to take advantage of more people, especially not those who are vulnerable. Do not get me wrong here please, I understand the concept of capitalism and I appreciate it as I believe it helps not only society but is also healthy for the individuals as it makes us go on.
However, I do not believe in businesses being enabled or encouraged to take advantage of other people 's disadvantages. That has nothing to do with capitalism anymore - that is rather criminal and would be more comparable what communism did in the past! No one anywhere in this world deserves to be treated like this.
Please also excuse my XXXX skills as XXXX is not my first nor second language and there might be expressions within my message that might sound different or need clarification- please feel free to reach out to me if you have questions.
Kind Regards, XXXX XXXX
|
09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
|
I have a credit card with Walmart through Capital One. I have had this account for approx. 9 years! I will start this out by saying that I've NEVER made a late payment to them or any other creditor for that matter, and NEVER have I filed bankruptcy! I have had ZERO negative marks on my credit and ZERO public records!
I went to make my payment on my Capital One Walmart credit card online on XX/XX/XXXX, the day it was due. and noticed that my account with Capital One had been restricted online and it said to call. I called immediately and they said my account had been flagged for bankruptcy! I have never filed bankruptcy in my life! I immediately asked to talk to a supervisor, and she informed me that they would have to investigate it and someone should reach out to me in 2-3 days! They refused to take my payment over the phone, but they said that they would refund any late fees if they were in the wrong! I then proceeded to pull my credit history from my XXXX Credit Monitoring Service that I am subscribed to, just to make sure that there wasnt any suspicious activity on my account or any bankruptcies showing up in my public records! There was nothing, no suspicious activity or bankruptcies! I then waiting until the next day XX/XX/XXXX, and called Capital One again, and the agent I spoke to this time ( XXXX, Agent # XXXX ) and she told me that the bankruptcy had been misapplied and that she could go ahead and take the payment. I asked her when the account restricted status would come off of my account, and she said it would take a few days. I gave her my payment info over the phone and made a {$140.00} payment over the phone! I thought it was caught and taken care of at that point! I checked my account online Monday morning XX/XX/XXXX, and it still said account restricted but it showed by balance which reflected the payment I made over the phone. Still, I thought it had been taken care of! I kept checking the account online periodically on XX/XX/XXXX, and by mid-afternoon XX/XX/XXXX, I was able to fully access my online account and the account restricted status had been lifted! However, I checked it again the next day, Tuesday afternoon XX/XX/XXXX, and I was able to sign on, but it said no accounts found! My stomach instantly turned when I saw that! I immediately called and I was told the account had been charged off due to bankruptcy! I told them that the bankruptcy was not mine and demanded for them to give me more info so I could look into this matter deeper! Ive never had any negative reportings on my credit history, and I wanted this resolved quickly! I was transferred to another agent ( XXXX in the Recoveries Department XXXX, ext. XXXX ). She told me that since the account was charged off, that she would have to wait for it to transfer over to the other system so she could give me more info. She told me that she would try and help me so I could get this resolved quickly! Thursday, XX/XX/XXXX, XXXX called me at approx. XXXX XXXX EST and gave me the info for the bankruptcy. She said that it had been filed in the XXXX Ohio District Bankruptcy Court. She told me the case number was XXXX and it was filed on XXXXXXXX and was filed as a XXXX XXXX! I again told her that this was not me, and that I had checked my SSN on XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ), and that no bankruptices had been filed in my name! She told me that someone from the dispute department would be contacting me shortly to get this resolved! At approx. XXXXXXXX XXXX on XX/XX/XXXX, I was contacted by XXXX from the Recoveries and Disputes department from Capital one ( Agent # XXXX ). He told me that he believed that the bankruptcy had been misapplied and that he was going to research to see what was going on. I gave him all of the information that I had! He apologized to me that I was dealing with this and told me he was going to work with me to quickly resolve this matter. After getting off of the phone, I went straight online through XXXX. again to see if I could locate the actual bankruptcy filing since they gave me info to see who actually filed it! I found a bankruptcy that was filed in the XXXX Ohio District Bankruptcy Court on XX/XX/XXXX that belonged to a girl that had the same last name as me and lived in the city, but a completely different first name and street address! The case number is XXXX! The case number that Capital One gave me was XXXX, but I couldn't find a case with just those numbers! The case for the one I found online on XXXX had to be the one they were referring to because it has all of the same numbers and the only one filed on that specific date in that court, and it was a XXXX XXXX! I received a call back from XXXX from Capital One at approx. XXXXXXXX XXXX. XXXX on XX/XX/XXXX, but I was at work and missed the call. He left me a message on my voicemail. The transcript was as follows Good Afternoon XXXX XXXX. This is XXXX calling from Capital One. Im calling to follow up as promised. I do have some great news! We were able to get the bankruptcy issue resolved and are working on reviewing your account for reactivation. If you have any questions please give me a call back at XXXX. Once again this is XXXX calling from Capital One recoveries and disputes for XXXX XXXX! Im just calling to advise you that we were able to unravel the bankruptcy issue and we are going to and working on doing the reactivation for your account. Please give us a call back if you have any additional questions at XXXX. My agent ID is XXXX. Thank you and have a great day!
As soon as I listened to the message, I attempted to call back. I gave the agent that answered Rays agent ID, but was told that they were unable to connect me. I then called XXXX, the agent that initially helped me, because I had her direct extension. She told me she would get in touch with XXXX and tell him to return my call. I attempted to reach XXXX at Capital One approx. 10 times from XX/XX/XXXXXXXX thru XX/XX/XXXX, with no luck! I had questions I wanted answered and could not reach him! Every time I called, I got a different agent every time, and Im told something different every single time I call! Ive been told they will have him call me back, and Ive also been told that there is no way for them to connect me with him or leave him a message, although I have his agent ID. I sent a certified letter to Capital One with detailed info about what happened on XX/XX/XXXX, and had it overnighted! I also typed a letter to all 3 credit bureaus about this mess, and asked them to attach the letters to my credit file, just in case anything negative showed up! Fast forward to the next day, and XXXX from Capital One FINALLY returned my call on XX/XX/XXXX! I was NOT happy with him and told him the stress I went through trying to reach him! He explained that there was a process they had to go through to reinstate my account! I told him that I understand there is a process, but there needs to be more of a PROCESS PRIOR to them slapping a bankruptcy on someone's card and charging it off! Especially since I contacted them several days before it was charged off! He assured me that they were working on it and attempting to reinstate my account as fast as they could! I told him again that nothing negative better show on my credit as a result of this mess, and their negligence led to this problem... it was NOTHING that I did! I received a phone call on XX/XX/XXXX from Capital One. I was at work and did not get to write the agents ID number down, but her name was XXXX and she stated she was a Senior Account manager! She told me that they were working on reinstating my account, and they had to " mirror '' my account to reinstate it, and it could take 3-5 weeks!!! I've already went through this mess for 2 weeks!!! I asked her if its could be expedited, and she said there was no way to expedite it! I am so sick of dealing with Capital One and the stress and XXXX that they have caused me over the past 2 weeks! I am sick over this whole mess and I want it fixed! Waiting 3-5 weeks for them to fix a mess that was their fault in unacceptable! I asked XXXX from Capital One on XX/XX/XXXX when I spoke to him, what Capital One was going to do for me to compensate me? I told him that once the account is fixed, they need to reduce the interest rate or SOMETHING! He told me he would see what he could do! I shouldn't have to ask for compensation, they should have offered it in the first place since they were the ones that made the error! I am being told NOTHING will show negative on my credit, but I'm watching my credit closely! I don't trust the company at all! This is bad business and it has taken away from my family, my work, my leisure time and caused XXXX and panic! There should be more of an extensive verification process before a bankruptcy is flagged on someone's account! The person didn't even have the same first name as mine..only the last! My last name is a common last name at that! However, I know that writing this complaint won't get anything done faster, but I wanted to warn others about this happening! Thank goodness for my background in finance, because I knew some steps to follow to protect myself! The ONLY good thing I have to say is about a specific representative that I have dealt with, and that is XXXX! XXXX is the only agent that, I feel, truly believed me and tried to help me! If it wasn't for her, I don't think we would've ever gotten to the bottom of this! I am disgusted and infuriated with how this entire situation has been handled from Capital One! There is no reason why this " process '' of reinstating my account should take 3-5 weeks!
|
06/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
|
On XX/XX/XXXX I attempted to withdraw funds from my account thru my ATM. I could not, I went into the branch attempted to withdrawal . Teller told me there was a hold. Teller attempted to remove the hold couldn't. Branch manager attempted and failed as well. Branch manager called corp. office and gave me this # to call. XXXX to call. I spoke to a rep which advised me there is a hold request from XXXX. I asked why and for what? She told me back in XXXX I wrote a check to Capital One for $ XXXX. I told her yes, I transferred my savings over. I asked her they have had my account on hold for 6 yrs?!? Apparently so, she replied, I asked how long do they plan on holding it, why wasn't I alerted? You can't just hold my $ forever. She comes back and informs me if I get a letter of indemnity they'll release my funds. I asked and from getting the letter how soon would I have access? She tells me maybe a week, a month a yr. Its up to the dept. and what it rules. I call right back after I researched what a letter of indemnity is. I get another rep, explain all. I ask her since they are my bank can they contact XXXX on my behalf for this letter. Plus this letter makes no sense. Who is going to sue them? I'm the only party, I'm going to sue them for allowing access to my . She told me no, the burden is on me and the sooner I get the letter the sooner my funds will be available. Since Friday is a big banking day I gave myself the weekend to tackle this again.
On XXXX XXXX I called Capital One. I got a rep ( XXXX ) I asked for his last name and he told me I couldn't have it. So, I requested a manager or someone who's last name I could have. XXXX made me confirm who I am and XXXX asked if he could hear my issue before handing me off to a supervisor. I told him what happened to me last Wed speaking to both reps and how they have me running after a letter. You're my bank but I'm doing all the work. I asked again why my account is on hold, he told me XXXX requested the hold. I advised him Capital One has NO legal right to hold my $ and if they have one, I want it on paper. I told XXXX there is no civil lien on the account, if there was a fraudulent case, where are the investigators, where is the crime? The statute of limitations, has also passed, its past the XXXX of XXXX as well. Plus, what does this letter do, it protects you from getting sued, the only party is me, who is going to sue you, me? So, I give permission and I'll write the letter. I said if they don't want my $ or afraid its fraud, give it back to XXXX then. XXXX tells me, everything is true and up and up and logical. Give him 3-5 minutes XXXX is going to lift the hold. XXXX comes back and tells me he isn't authorized to release the hold, XXXX has to transfer me to his supervisor. XXXX tells me his supervisor is up to date on my ordeal. XXXX tells me his supervisor 's name is XXXX. I ask for his last name he said he can't give me that but he can give me his employee # XXXX. So, I share all the legal jargon with XXXX. XXXX tells me without a letter of Indemnity or a ( HHA ) Hold Harmless Agreement he is not taking the hold off the account. I attempt to hit XXXX with logic, that the only party that can sue is me, why would I sue for giving myself access to my own $? I ask I want a letter from him on Capital One on letter head, what legal right does he have to hold my funds? XXXX advises me he doesn't have to do that. I get into him asking what if my funds didn't fall to $ XXXX, would they be held for 10-20 years? XXXX answer was, most likely, the hold isn't just going to fall off. I asked what if I died? I have a will, how are these funds going to my loved ones? XXXX tells me, he doesn't deal in hypotheticals. XXXX tells me, he'll gladly stay on the line with me for as long as I'd like but no matter what I say XXXX is not taking a hold off without the letter or an HHA. I ask him if/when I get this letter how long before I have access to my funds? XXXX goes on to tell me, we get the letter, it goes thru proper channels, it gets approved the $ will be returned to XXXX. Then it's up to XXXX how long they will hold it for, figure 3-5 days after we send it back. That's completely off what the 3 reps told me prior. All 3 reps claimed I would have access to the $ on Capital One side. XXXX tells me they are mistaken, he's the supervisor, funds will be returned to XXXX. So, I tell him all 3 reps were trained incorrectly!?! One was about to release the hold minutes ago, and give me access, he didn't say anything about funds returning to XXXX!?! XXXX tells me, he's the supervisor. The $ will go to XXXX, as we call it in the banking world, it's a recall wire request. I tell him ok, don't care which bank gives me access as long as I have access.
Shortly the call ends. So, in frustration I don't take the drive to the branch. Way too hot out so I call XXXX XXXX XXXX.
XXXX I get a rep, XXXX, give XXXX the same run down. XXXX tells me he can only go 5 years back and there are NO notes on the account of any fraud requests or holds. XXXX suggests, speak to check fraud dept. tells me he'll hold on the line with me till they p/u. XXXX gives me his 2 cents that he's never heard anything like this. XXXX XXXX heard accounts on hold but good or bad 30 days the most. Never heard of a letter of Indemnity or HHA. In his opinion he asks if I personally know the branch manager? I tell XXXX no. XXXX asks me, paint the picture, I'm going to tell the branch manager for this letter, no history, most likely they'll call us in corps. to validate your story, we can only go back 5 years. You took majority of your savings gave it to another bank now you want us to do you a favor write a letter to have access to your bank? Why would XXXX? How does it benefit XXXX to write this letter and open themselves up for legal action? I advised XXXX the supervisor said the $ is returning back to XXXX. Now XXXX can see the motivation but it's impossible. I ask XXXX, why? It's 6 years the statute of limitations to pull the funds back are gone. 1st if it was fraud the funds would have been pulled back prior to 72hrs, if not bank has only 14 days max to pull back the funds. That authorization is not going to work 6 years later. XXXX told me go dispute a charge on your credit card from 6 years ago. See how much luck you have? Finally, XXXX from check fraud picks up. I catch XXXX up. XXXX has 18 yrs. in the fraud dept. XXXX has heard of a letter of Indemnity never of an HHA. This is something I'll have to request from a branch but XXXX sees no notes on the account and this is 6 yrs. old. Fingers crossed but doubts a branch can go back deeper than corp. but worth a try. XXXX agrees with XXXX why would a branch manager write one? Probably call corp. no notes on the account. XXXX confirmed, XXXX would be happy to take my $ but they can't retrieve it, the statute of limitations is gone. XXXX brings up valuable points, what if I had closed this account back then or in the past 6 yrs.? XXXX nor any bank can re-open closed accounts. XXXX says even if they send it now it's just going to bounce back to Capital One. I have to write a new check and deposit it. The opportunity to recall funds are gone. Plus, XXXX would not allow Capital one to hold the funds if there was any suspicion, XXXX would be the ones benefiting from the hold not allowing Capital One to be making profits on it the last 6 years. XXXX advised me if XXXX suspected fraud what would happen is, they would not contact Capital One immediately, funds from checks are not cash, they require time to clear. XXXX would call, email me and send a letter to please call to confirm. If they couldn't reach me, they would alert Capital One of the transfer being cancelled. Another letter would be sent out of this to contact XXXX and I'd need to write another check to Capital One. XXXX went on to say if they discovered possible fraud after the transfer was approved and deposited. XXXX would alert me as well with a call, email and letter. XXXX would request the funds returned immediately, they would never allow Capital One to hold the funds and benefit from it for 6 seconds, even less in this case 6 years. Not my words XXXX XXXX Capital One is holding my $ hostage. What they are doing is criminal! it sounds like this XXXX guy has a vendetta against you. If Capital One believes foul play, they've had 6 years to prove their case. If they are just starting now, too late, they had their chance. I told XXXX Capital One wouldn't give me anything in writing why the account is on hold? XXXX says the burden isn't on you. So, Capital One is benefiting from the funds but they don't allow you access to it?!? XXXX said try requesting a letter, if it fails which it should. Call Capital One speak to this XXXX guy tell him to conference call us in. XXXX # XXXX ext # XXXX says she'll be glad to explain if XXXX requested a hold that request is long gone and dead. XXXX can't accept a wire recall after all this time. If XXXX XXXX intends to bank with XXXX, he needs to place a fresh wire transfer or write a new check. There will be no letter of indemnity because XXXX has no evidence of any fraud request, on the contrary XXXX XXXX is in good standing with XXXX.
XX/XX/XXXX Go into XXXX, branch manager would write one if they held and benefited from the funds but can't in this situation. I then called Capital One and they refused to be on hold with me to have a conference call with XXXX. XXXX advised me to place a complaint with CFPB because what Capital One is doing is criminal.
|
05/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
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It is with regret that I am compelled to submit this grievance in the form of a formal and multi-pronged complaint against Capital One, where I own a credit card account. I have been a customer since at least XXXX of XXXX, per my records, so there is a well-established account history and lengthy relationship. Recently, I had several authorizations declined which was embarrassing enough, a payment that somehow didnt get applied on time leading to a late fee being assessed ( which I believe to be Capital Ones fault but they wont allow me to discuss it in order to dispute it ), and other issues that Capital One ( a financial institution ) has refused to deal reasonably with me to resolve. Upon calling for assistance, I have been pushed towards the fraud team which has been impossible to work with, despite multiple attempts do nothing but make unreasonable demands in a completely non-transparent manner. At this point my account appears to be in a " restricted '' state, which also will not allow me to receive accrued rewards, which amounts to theft as it will not be released. I am seeing others complaining of similar sudden restricted account status, but XXXX focus on my own situation.
One such call was on XX/XX/XXXX at night going into XX/XX/XXXX, first with someone offshore and then to XXXX XXXX employee # XXXX ) in the XXXX upon my demand, which resulted in no movement forwards. She said its above her pay grade and no person was available who could do anything further to discuss or resolve. She pushed me to schedule a call with a XXXX for XXXX on XX/XX/XXXX, which Capital One failed to follow through on, as promised to me. I called again on XX/XX/XXXX, first speaking to someone offshore, then to XXXX XXXX XXXX XXXX # XXXX ), who passed me to the supervisor XXXX ( employee # XXXX ) that seems to have violated my rights, denied corporate obligations, and violated law and regulation while proving completely unhelpful to resolve anything.
A list of my complaints which I feel need to be addressed : -Utter refusal to discuss anything about my account with outrageous demands for ultra sensitive Personally identifiable information ( PII ) without cause : I have been told repeatedly that they refuse to acknowledge me as the account holder unless I produce a drivers license, with pictures front and back text messaged to them. There are multiple concerns here : XXXX ) No just cause or explanation as to why they need and are demanding such sensitive additional PII from me to begin with. I must refuse to provide such additional information on principal for my own security and privacy. However, more so and by law plus regulation this is improper behavior to demand PII without true cause seemingly with intent to collect more than what should be reasonably needed to begin with.
2 ) Mention of for verification :, They do not possess my drivers license or the PII it contains besides my name and address. Its clearly not something they possess to verify against, so again the demand of my drivers license is thus uncalled for and a violation of my privacy, law, and regulations just to obtain more of my PII for themselves.
3 ) Unencrypted data in transit ( insecure transmission ) demand : The fact is that I was told numerous times by multiple employees/agents of the company that I must photo the front and back of my drivers license and TEXT message it to them is an outrageous demand and again against regulation that requires encryption in transit ( XXXX XXXX XXXX ).
4 ) Inability to formally give notice [ potential fraud or unauthorized charges ] and/or challenge fees and charges This goes against their own policy and my customer rights, which in turn becomes another legal and regulatory infraction.
- Utter disregard for my safety, privacy, and personal security 1 ) Lack of notification if there is some fraud, identity theft, etc. that will do harm to me they have a duty to notify me. They have not done so in any manner and refuse to provide any information when I have directly inquired of them via phone. Again, this is abuse of my customer rights with the company noting a quote directly off their web site and elsewhere of we will alert you if we see anything suspicious. This violation of my consumer rights and regulatory rules is a major concern.
2 ) Putting me in harms way By requesting further PII if my account is compromised in some way puts me significantly further at risk for identity theft and other likely and foreseeable repercussions. Capital One refuses to reveal anything about the situation and purposely have made it a mission to keep that from me. At this point, I am forced to believe that they are likely causing me not only indirect but also direct harm. I will have to consider them a co-conspirator or at minimum an accomplice should they have failed to help prevent a dangerous and negative outcome ( s ) as a result of not only clear negligence to notify of me proactively but also refusal to answer upon direct inquiry. This seems to be malevolence by starting and/or adding fuel to a fire which too is a privacy, regulatory, and legal matter.
3 ) Due to privacy concerns, I even offered to go into a Capital One location in XXXX in person and was told that wont suffice. See notes above of ( a ) insecure communication demands where TEXT messaging is inherently insecure by itself ( ignoring the complete lack of transparency how many 3rd parties may be in the middle of said communication too ), ( b ) no defined justification in demands of additional ultra sensitive PII from me, and then why they have no ability to accept other proof of identity/verification evidences but a drivers license. Apparently federal government ID is considered inadequate, which would constitute PII for verification that they actually have in their possession already that would not add to the stack of sensitive PII that they already have and from where I stand have no reason to demand more.
4 ) When calling in, despite having apparently high risk concerns [ fraud and/or other ] on the Capital One side, my calls are routed to what I deem as insecure and unacceptable offshore locations ; likely 3rd party locations with non-Capital XXXX employees involved but they wont speak to that matter either. In fact, XXXX XXXX employee XXXX ) and XXXX XXXX XXXX # XXXX ) admittedly confirmed that their offshore center ( XXXX ) should not be handling such matters like mine, yet I was routed multiple times to there anyhow. I was told I was speaking to someone in the XXXX on XXXX such call.
XXXX ) I have accrued rewards and am being denied access to rightfully redeem - This amounts to theft by itself and ironically they are coming after me and demanding all sorts of payments, including assessed overdue/late fee plus interest XXXX past due fee of {$25.00} levied on XX/XX/XXXX + interest charge of {$10.00} XXXX without the aforementioned ability to dispute or rectify it. Shouldnt all funds in and/or out be locked if the account is truly in question of fraud/hacked/other? Its a XXXX sided and contorted game that they are unfairly and maliciously commanding ; another regulatory and legal issue that seeks to deny my consumer rights and abuse my finances and likely my credit score ultimately if I dont bow down to their every demand.
XXXX ) Apparent issues with payments issue of overdue/late fee plus interest ( past due fee of {$25.00} levied on XX/XX/XXXX + interest charge of {$10.00} ) to be resolved where I believe I scheduled a payment Other grievances : XXXX ) XXXX XXXX XXXX # XXXX ) began to inquire if I was recording the call ; I refused to answer and he refused to continue iteratively ( not that we were getting anywhere due to the drivers license matter ). Per NY XXXX XXXX, as a resident of NY XXXX plus making a call physically within NY XXXX, etc. where legal consent to record is dictated by a participating party of XXXX ( which would be me ) is a legal right. This constitutes illegal action and clear violation of my rights, where Capital One sought to fight and restrict my right to record a call if I so pleased.
2 ) Promised a scheduled call with a manager/supervisor on XX/XX/XXXX at XXXX : Someone with enough seniority and authority was not calling me and this constitutes operating in bad faith and abuse of consumers such as myself who are at XXXX XXXX mercy. Not only was I called late, but then put on hold, then told to just wait indefinitely for a XXXX. After ~10 minutes I finally hung up in disgust. My only recourse when they wont come to the table in good faith, as promised, is to not this in a complaint here. I see it as a despicable tactic just want to waste and use up my time in an effort to tire me out so XXXX simply roll over or give up, rather than working with me fairly and ethically.
3 ) Via web site requested a copy of the customer agreement on XX/XX/XXXX that did not arrive as stated - The web site stated it was going to be sent to my email in a matter of hours and surely wasnt. I wish I could quote and cite from there regarding other flagrant violations, but Capital One has not furnishing a current version of all of the customer agreement, customer rights, etc. and I dont have a copy laying around.
In any event, this has gone way too far and I need assistance against the 800 pound gorilla that is Capital One, that seeks to trample all over me, my privacy, and my rights as a XXXX citizen, NY XXXX resident, and financial account holder/customer.
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06/10/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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My father whom has the same address as me who gets paid by the state to watch my children doesnt have a bank account and not able to afford paying the large fee charged by the currency exchange gave me his checks to deposit into my account and I just gave him the cash amount of the checks mind you I gave him the cash from my own pocket which in total was {$3600.00} and prior to me even depositing his checks them clearing and me being able to access the money, which I didnt care about because I knew the checks were legit and due to them being issued by the state the verification of funds would be quicker ultimately reducing the hold time so I deposited the checks in my account on XX/XX/XXXX I got a email from my bank specifically stating that my deposited checks were received however hold onto the paper copy of my checks and dont write void on the checks until I received a separate notification from the bank notifying me that my submitted items were accepted and deposited into my account for processing so I did nothing with them and not long after I received a email notification that stated and I quote Your check has been successfully deposited into your account. Go ahead and destroy your check.
To : MONEY, XXXX Deposit Date : XX/XX/XXXX Fully Available On :XX/XX/XXXX. So they would be holding my funds until the XXXX not a problem didnt think anything else of it my account was fine and had no issue accessing it, now on XX/XX/XXXX my son was asking about how he could get a bank account to setup direct deposit payments from his job as its his first job so I told him I would look into it so I logged into my acct to see what products they offered saw an account for teens that came with a debit card they are account holders with a parent on the account to so I decided to open the account for him all was fine and the account was set up fine I logged out my acct and later that day received a email from the bank letting me know, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Please call us at XXXX within the next 10 business days so we can confirm this info. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET and Saturday XXXX XXXX.-XXXX XXXX ET. So the next day I did call confirmed I in fact did the activity in question which was deposit the checks and opened a custodial account for my son, verified the checks in my fathers name why he received confirmed he signed them over to me for deposit etc. then I was advised that my checks would have to be verified for validity and fund availability by the check remitter before funds would be available, mind you not once did I ever inquire about when my checks would be available when I would be able to access my funds on my account or why there was a hold on my checks that I submitted because I honestly didnt care and I had already been told in the email when they were accepted for deposit to my account that they would be on hold until XX/XX/XXXX so I let her know just that and that thats fine I dont care about that thats not what I was calling regarding Im calling you in regards to my account being restricted and because I never received the trial deposits in my external account I added for funding at the time I opened my account so Im unable to verify my account to have it linked can you either send them again or take the account off and re-add the same account in case I put a number in wrong or something because it never has taken more than a day when Ive done this same verification other places with the Same account so ultimately she advised me the trial deposit let had been sent I need to check again Im mistaken and basically implying I either didnt look or was unable to look because it wasnt actually my account so I said ok but I know what the process is and Im doing because Ive done so she decides to tell me well I dont maybe try XXXX XXXX and two other amounts which of course were the wrong amounts and caused me to have two failed attempts at verification so I said can I speak to a supervisor she said sure hold on Ill see if there is one that can help placed me on hold and then came told me that a supervisor wasnt available and they would have to call me back when they got off the call they were on at that moment asked for my best contact number I gave her the number hung up and never received a call that day or the next then I got a email from back telling me that my account was locked from two failed attempts to verify external account in order to unlock the account when I received the trial deposits I need to call the number below verify the deposit amounts with the representative and the account access would be restored so on the following day the XXXX I got the deposits in my account called the bank let him know why I was calling and so fourth so he then decided to tell me that he understood hes sorry however thats not correct and that the reason my account was restricted was due to my check deposits and that until the checks were verified I wouldnt be able to access my funds transfer or withdraw my funds I cut him off asked for a supervisor and told him I dont care I didnt ask you one time about my account balance my funds or transferring them I simply told you I was calling to confirm the trial deposits I got today to verify my external account in order to link it to my bank account per the email your bank sent me advising me to do to remove the account lock out that was placed on my account after I entered it incorrectly two times thats it thats all so he tells me to hold on Im on hold for a good 15 minuets and then the call was just disconnected so I just was done at that point. now Friday XX/XX/XXXX comes and I check to see if the restrictions were removed because my checks were verified cashed and cleared by the remitting banks and the funds were deposited and listed as available in my account and no longer on hold so I checked my account and my account was still restricted so I called my bank was on hold for a hour finally got a representative she transferred me to the department that handled the restrictions I sat on hold for another 40min and the call disconnected so I called back sat on hold got a representative and got over to the department that I needed explained the issue my previous interactions with the bank prior as well as being told something different every time I called let him know I want the restrictions taken off of my account now not only is it past the XX/XX/XXXX the checks have been verified the checks have been cleared and determined to be valid and the hold has been removed from off of the funds and the funds are now available, this man had the nerve to tell me after all of this and after sending me a second email confirming acceptance of my checks for processing and deposit to my account and to now destroy my checks that the restriction on my account will not be removed until I verify my identity and sent me a link to do so and I uploaded my identification he received it with me on the phone tells me ok let me submit this tells me ok that was accepted then starts making small talk says ok now next thing the restrictions nor funds will be accessible to me until they can now confirm that I was able to deposit them into my account because they dont accept third party checks and he doesnt know how long that will take so he cant tell me, so Im like excuse me thats not legal you cant do that this is not no {$5.00} or {$500.00} dollars we talking about and I have bills and four kids now I didnt say anything or argue about my money when yall put the hold on my funds to verify the funds and to make sure the checks cleared that was fine not a problem however what you trying to tell me now Im not even finna entertain and further more if the policy of your institution is that if not accepting third part checks that is fine and thats youre institutions right to do so however if thats the policy then that is something that you advise a customer of prior by sending an email advising them that their items submitted for deposit were being rejected due to being made payable to someone other than the account holder and we have a choice and the ability to take that check/s somewhere else and cash them you dont get to tell a customer this after your institution has not only sent them the email to notify them of the items they presented for deposit had been ACCEPTED for processing and deposit to their accounts but telling them to DESTROY that item as well where they no longer have a choice of cashing the checks elsewhere even if they wanted to, or after you placed a hold on the funds and have held them until the checks cleared and the checks clear are determined to be valid and the funds are available in their account no that you can not do and block me from my account accessing my account and my funds and cant tell me how long its going to be. This bank has accepted my checks for deposit on the account told me to destroy the checks placed a hold on the checks until the checks were verified and cleared and were paid by and received the funds from the checks from the remitting bank and after all of this was done are not allowing me access to my account information and funds that are listed in my and are in my account as available there is no branch for me to just walk in to this is illegal and I need a resolution immediately I have four children and bills please assist me.
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12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Welcome to our Capital One secure chat service! This chat will be monitored and recorded.
XXXX XXXX You're now chatting with XXXX.
XXXX, XXXX, this is XXXX, and welcome to our Capital One secure chat service! This chat will be monitored and recorded.
Please Note : Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows.
Can we start by asking for your first and last name?
Welcome to our Capital One secure chat service! This chat will be monitored and recorded.
Thank you for reaching out to our live chat today. To ensure you have the best experience we suggest you keep your chat window open, ensure you have a good network connection and close any additional tabs. This will minimize any problems while we are chatting.
Hello! Good morning. It's nice to have you on chat. How are you doing today?
You, Hi this will take a minute to type please I called and spoke with one of your people XX/XX/XXXX last month. I said I used the card but had no funds on it.
XXXX, I will be right with you.
You, I specifically asked XXXX was her name Even when I pay you on the XXXX or XXXX. Can I make my XXXX payment on the XXXX because otherwise it will cancel my XXXX order XXXX she said yes XXXX, I will be right with you.
You, I need my bill to reflect XX/XX/XXXX bill for the month of XXXX. Late fee when I called today was waved however you at capitalone want me to pay more than my typical {$40.00} a month and I can not do that.
The XX/XX/XXXX bill is where I should be XXXX, Let me pull up your account information first and see what I can do to help you today.
For security purposes, I will send a " Validate Identity '' form and please fill it out with your details ( exactly how it appears on the card and profile ) then click " submit '' once you are done so I can pull up your account here.
Validate Identity You, When I pay you the {$40.00} each month I always have about {$17.00} on the card to use Last four on card XXXX XXXX, Let me pull up your account and check what's going on.
You, XXXX XXXX Last on social XXXX XXXX, Did you receive the " Validate Identity '' form that I sent? Kindly fill out the form so I can pull up your account from our system.
You, The bill should be dropped from {$1000.00} It should be dropped by another {$30.00} let me look will that be on my email?
XXXX, I sent it on this chat.
Let me send it again.
XXXX XXXX You, ok I did it XXXX, Got it. Thank you. Please bear with me a moment while I locate your account information.
You, XXXX XXXX, Thank you for your patience with me. I have your account ending in XXXX pulled up already. The current amount due is {$99.00}.
Please give me a minute to review your account.
Thank you for waiting!
You, k XXXX, Upon checking, your current amount now is {$99.00} because it includes your missed minimum payment due on XXXX XXXX for {$35.00} plus the current minimum payment for XXXX XXXX which is {$64.00}. The late fee was charged because you missed your payment due on XXXX XXXX.
The last payment we received was on XXXX XXXX which was still applied to your XX/XX/XXXX statement because your billing cycle ends every XXXX of the month.
My apologies that you were given an incorrect information when you asked if it will be applied to your XXXX statement.
You, Ok I understand But you need to understand When I called Your rep. I asked can I pay on XX/XX/XXXX because I ordered something on XXXX and used the wrong card. So my order wouldn't be canceled can I pay XXXX rather than wait until later in the month. And can it count for my XXXX XXXX. Your rep said yes There is no late fee nor additional fee it was paid on the XXXX of XXXX XXXX, I definitely understand where you are coming from. And I am sorry that it was not explained to you properly that the payment you will be doing on XX/XX/XXXX will not be applied to your XXXX statement since the statement for XXXX is not even generated on that day. Your cycle ends every XXXX of the month and the new statement will be generated on the XXXX.
You, Her name was XXXX. She is from XXXX XXXX Time of my call was XXXX XXXX Im sorry I'm not paying because your staff doesn't know what they are doing That is not my fault I've been with capitalone sense XXXX And I've never missed my Payments XXXX, I will be right with you.
You, k XXXX, There was a late fee charged on your account because the minimum payment due on XXXX XXXX due date was not received. Good thing is I see here that late fee of {$29.00} has been waived on your account today.
You, And I'll say it again XXXX there is Not!
My payment on the XXXX of XXXX was for the month of XXXX Because I asked and your rep said it was ok XXXX, I will be right with you.
You, ok XXXX, I'm sorry but I am trying to explain to you what happened and what should have been done on your account. I acknowledged that it's XXXX of our representative 's fault that your payment was posted on your XXXX statement instead of XXXX. How may I exactly help you on your account today?
You, I understand what happened Your not getting what I'm Saying XXXX, May I know how can we exactly help you?
You, I normally pay by about the XXXX or XXXX even though its not due untill the XXXX or so.
That is why I called on XX/XX/XXXX and asked specifically can I make this XXXX payment early so that I can cover the charges for my XXXX purchase Your rep said Yes and it would count for the XXXX payment XXXX, I will be right with you.
You, XXXX XXXX, CFPB READ THIS.
Let me verify your concern, are you asking us to post your payment of {$40.00} on XXXX XXXX to your XXXX statement instead?
You, Yes That was what I asked XXXX and she said yes XXXX, I hear you. Let me verify to XXXX of our supervisors if that can be done. One moment please.
You, What ever the bill was on XXXX XXXX that is what would have been paid around the XXXX or XXXX of XXXX ok XXXX, Don't worry I certainly understand your concern. I know it was not your intention to missed your XXXX statement. This may take a few minutes. Please bear with me.
You, ok ty XXXXXXXX XXXX XXXX, I will be right with you.
You, ok ty XXXXXXXX XXXX XXXX, I will be right with you.
Thank you for waiting. I'll be with you in just a moment.
You, ok XXXXXXXX XXXX XXXXXXXX, I will be right with you.
You, XXXX XXXX, Thank you for patiently waiting!
You, no problem XXXX, I did my best already but and I hate to say this but we can not really move the payment across statement cycles. Your payment will remain as posted on that day which is XXXX XXXX and still for applied for XXXX statement and the XXXX statement still needs to be paid separately.
Right now, the amount due will still be {$99.00} due on XXXX XXXX. You can split your payments if that will be more manageable.
You, Well I guess I'll cut up the card and you can let go to collection. There not going to get anything from me. And I don't care about my score. Your people need better training sorry its ended like this after 6 years but it not my fault.
XXXX, The payment you made on XXXX XXXX still applied towards your full balance.
You, You are wanting money I can't and shouldn't pay XXXX, Are you having challenges in paying the required amount of {$99.00} by the due date?
You, Yes because I shouldn't pay it! Your Rep said I could do what I did and now retract and I'm left holding the bag. I did what you people said I can do. now I'm being punished for it.
If you will check you will see every month sense I went with you. I've Never missed a payment Never and I always made the minimum payments required XXXX, I will be right with you.
You, XXXX XXXXXXXX XXXX XXXXXXXX, I will be right with you.
You, XXXX XXXX, CFPB READ THIS.
I am really sorry for the inconvenience it may have caused you. However your are still responsible for any outstanding balance on the account because you used the card XXXX. We acknowledged that the previous agent provided you an incorrect information rest assured that I will send a feedback about it. We have waived the late fee charged on your account already because we know it was not your intention that the XXXX statement was not paid by the due date because you actually paid it earlier before the statement was generated. I understand that it's harder for you for you to pay now for this month since you did not expect that the amount due will be higher now and I am more than willing to help you now if you are having challenges in bringing your account back to current.
By the way I have already sent a feedback about your previous experience that the agent has misinformed you.
You, I'm sorry but I can not pay for the mistake of CapitalOne support. I've done nothing wrong and I shouldn't be punished because of your mistakes. I will record this conversation for legal purposes. You guys need to change your ways. My account is now canceled CFPB They have attacked me this day by taking XXXX points off my score. I want members of CapitalOne terminated. I want my points back Now! And wish to have a letter sent to all credit unions. CapitalOne does not have my permission to send my personal Information to anyone. If they do it's a violation under the XXXX XXXX. I removed my last four of social and of my bank card. My Phone Number is XXXX It will not let me edit. Thank you.
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04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I expressed my intention to acquire an automobile via a consumer credit transaction to both Capital One Auto Finance and XXXX XXXX XXXX XXXX XXXX, both verbally and in writing at the beginning of and throughout the process. I was blocked and didnt know any other way to accomplish the goal of completing the transaction. Both the bank and the dealership knowingly violated the Truth in Lending Act by using discriminatory practices, violating " informed use '' practices, misleading, threatening, and harassment.
When I began the process, I was not aware of a lot of the information that I learned along the way. I knew according to XXXX XXXX XXXX, I was not obligated to pay a down payment. I also knew that I was the original creditor and could not be denied an extension of my own credit. I originally applied for a new XXXX XXXX XXXX XXXX.
Capital One approved my application, but according to the dealership the bank would only process it if I put down a {$51000.00} down payment. I spoke to the bank who confirmed that they did not impose the down payment. I tried to invoke 15 USC 1605 through written correspondence ( see attachment ), but the dealership still would not budge. I was blocked from moving forward with that particular automobile because I would not agree to the down payment.
The dealership agreed to work out another deal that would not involve a down payment for a different automobile. I finally settled for a XXXX XXXX XXXX on XX/XX/XXXX. When it was time to sign the contract, I was told that I had to hurry because the document would time out and the dealership had three other people waiting for me to finish so they could sign their documents. The dealership also told me not to use consumer at the end of my autograph, but I did not comply. Additionally, I was denied the opportunity to read the agreement as I was signing. Needless to say, no one explained the contract or made sure that adequate notice was given. After all of that, I took possession of the XXXX.
After that, the bank wanted additional information and forced the dealership to ask for more of my financials. I did not understand that there were other options to secure the funding for the transaction, or I would have been able to compare the various options and avoid the uninformed use of credit from the beginning. In the absence of more options, I submitted my information.
The bank had an issue with my address. Because my property does not yet have an address, I use a mailbox for all intents and purposes. But the bank demanded that I send them some form of proof of address. I sent what I could. I had the IRS send documents addressed to me to an address that I was temporarily staying at. I used that to provide proof of address. I also made the dealership aware of the Non-Disclosure Agreement that exist in a contract with the Trust, and that I was limited on what I could share to avoid violating the NDA. Additionally, because it was a temporary address that I dont use because I have my own, I only had limited documents to send.
Despite that fact, the bank would not accept what I was able to send and continued to harass me for more information that was not pertinent to the approval of my transaction. The bank continued to pressure the dealership who in turn applied that pressure to me to furnish documentation by threatening the loss of funding. Finally, when I was pushed well beyond the boundaries of my comfort level, I studied more and sent the bank a XXXX XXXXXXXX ( see attachment ) with stronger and new evidence of my rights and how they were violating them.
After reading the Affidavit of XXXX XXXX XXXX, I better understood the nature of the United States Banking XXXX in relation and construction to the United States Code. The people who back the pledge for the full faith and CREDIT of the United States deserve what is rightfully ours, especially when we invoke what is right, XXXX, fair, and in good faith.
The Conditional Acceptance was received by a bank representative on XX/XX/XXXX at XXXX pm per the United States Postal Service XXXX Mail Number. Previously, the same documents were uploaded to their platform via an emailed link on Monday, XX/XX/XXXX. The link was sent by the bank to upload address documents to release the hold for funding. I sent the Conditional XXXX instead. The following Friday, XX/XX/XXXX, the deal was funded.
As I searched for concrete content for the XXXX XXXX, I found and included the definitions of evidence of indebtedness and adequate notice putting them on notice that any dispute would need to include evidence of where the debt originated. I know that I am the original creditor. The bank then sent or caused to be sent a XXXX XXXX XXXX dated XX/XX/XXXX stating the following disclosure : " To the extent that you have filed for protection under federal bankruptcy law, you XXXX not be personally liable for the unpaid balance of this loan. This statement is not an attempt to collect a debt and is being provided for informational purposes ONLY. '' Further, as described in the XXXX XXXX mentioned above and the Affidavit sent with it, the bank never delivered or caused to be delivered any money/credits of its own to the consumer. Instead, the bank accessed the consumer 's credit and used it to fund the request. Therefore, there is nothing for the consumer to " pay back ''.
Capital One sent a Validation of Debt letter ( although they technically can not validate the debt ) on XX/XX/XXXX, which did not include information regarding the original creditor and stated that I am still obligated to make payments to Capital One. Also, it was not signed by an authorized representative as called out in the XXXX XXXX. It did not satisfy the requirements set forth in the United States Code to be properly considered a debt validation.
Below are a few of the violations that occurred. I believe more rights were violated. Please advise of the ones that are not listed here. Also, see the XXXX XXXX attached.
15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction 15 USC 1601 ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
15 USC 1602 ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning.
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07/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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FRAUD HAS NO STATUTE OF LIMITATIONS Who is the original creditor?
On XX/XX/XXXX OBLIGOR XXXX XXXX procured a vehicle through the extension of consumer credit. - funny thing is the top of the contract states that it is a retail installment contract instead of consumer credit transaction This day there was also a down payment of {$3000.00} put down on the automobile. Which is a violations of 15 USC 1605.
The monthly annuity for the vehicle that was procured was XXXX every XXXX week there was a payment made to capital one bank 15 U.S. Code 1605 - Determination of finance charge ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
- I provided the insurance for this automobile the premium was not included in the finance charge.
e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports As per 15 USC 1666d Every payment made that was over {$1.00} should have been credited back to the natural person, consumer.
Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
15 USC 1692h - multiple debts states the following If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
- since I am directly disputing this debt I demand to have every XXXX paid on this account returned back to me.
15 USC 1692g - debt validation Consumer can not incur debt for personal family or household purposes.
15 USC 1602 ( i ) ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
There is also the right of rescission that was never mentioned to me at any point during the transaction 15 USC 1635 ( a ) ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
Is herein stated in 15 USC 1635 ( b ) that within 20 days of receipt of this notification my down payment of any earnest money that was put towards the property shall be returned to me in the form of a check.
( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
It also states in 15 USC 1692 j - deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Form by definition is a blank piece of paper. Capital one has furnished at least XXXX statements while I the natural person consumer was in possession of the property ( XXXX XXXX XXXX XXXX XXXX sport ) this is a violation of the FDCPA and brings me to the 15 USC 1692k - civil liabilities.
a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; The actual damages sustained are around the Sum of XXXX for ( 15 USC 1611 ) Criminal liability for willful and knowing violation You knowingly and willfully took turned this fully paid consumer credit transaction and turned that into a retail installment contract. Not only have you gotten paid from my social security cesti que vi trust account ( since all obligations are fully paid as per HJR 192 and 8 USC 18 - Obligation or other security of the United States defined ) and fully paid yourself using the negotiable instrument ( as per the bills of exchange Act ) on my credit application and then in turn came back to me with a monthly payment as a form of prima facie evidence of indebtness, using that retail installment contract as a security interest to the real physical automobile.
This is our right fraud and I demand as the natural person and consumer to be remedied!
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08/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Attn : Capital One Credit Card XXXX XXXX CEO Capital One Credit Card Leadership Capital One Fraud Leadership XXXX XXXX # XXXX Credit Card Executive Team XXXX # XXXX - Credit Card Executive Team XXXX XXXX et al, Sir, I have recently received a call from a XXXX Employee # XXXX. He called after reviewing all documentation that has proven the following : 1. We are Victims of ID Theft 2. We are Victims of Account Take Over 3. We are Victims of Fraud 4. We are Victims of ACH Payment Fraud During our conversation, XXXX stated that he reviewed all documentation ( submitted dozens of times XXXX Capital One Losing Each time ) until I sent the documents to a Fraud Manager who then passed them along to XXXX and his team. XXXX stated that Capital One could not reopen my accounts due to ACH bounced payments that Capital One is holding me accountable for. I asked XXXX if he realized that NONE of these ACH and Phone payments in question were not mine and that I had NO connection to them whatsoever ( no knowledge of until after the fact and no connection to them at all ). He said that he realized this but since the payments were in violation of Capital Ones rules that state we performed these payments against Capital One rules, that Capital One could not reopen the accounts.
Wait, this gets even better!. In XXXX, I called Capital One stating that I did not want you to allow any 3rd Party Payments without my vetting and therefore approval. This did not take place in any of the payments made to Capital One. He also stated that even though I didnt know at the time that I was a victim of ID Theft ( cause ), Account Takeover ( effect of the ID theft and cause of ), Fraud, leading to phone payment and online ACH Fraud that I was being held liable. How can this be the case? It has been proven that I have had no association with any of these payments or bank and yet Capital One is calling it my fault through we are victims of 1-3 above? How is that even possible? Capital one assisted in this fraud by no alerting me of either the charges, not the payments, and I, in fact alerted Capital One. This is nonsense and goes directly against my rights as a consumer under TILA, the FCBA, the FCRA and the Credit Card Act of 2009. Finally, XXXX had no idea what the TILA. FCBA, FCRA or Credit Card Act are, yet he stated hes an Executive for Capital One Credit Card.
These cards need to be reopened, as others banks I am working with are so that my credit can be brought back to the standard I have maintained for over 30 years! I am a Victim and did nothing wrong whatsoever! There is NO valid reason that Capital One has to close my accounts. Finally, XXXX was rude, stated that there was no way I could speak to his Boss XXXX # XXXX since she has no direct extension. I also asked that she call me back and he stated she could not. This makes absolutely no sense whatsoever!
Pease see Electronic Funds Transfer, bank and customer responsibility. I have added the link to this regulation below.
Definition of an Electronic Funds Transfer https : //www.federalreserve.gov/boarddocs/supmanual/cch/efta.pdf According to the Federal Reserve , EFTA covers six types of consumer electronic fund transfers. They are : transfers through automated teller machines ( ATMs ) ; point-of-sale ( POS ) terminals ( these are the credit card readers found in most stores ) ; automated clearinghouse ( ACH ) systems ( this includes direct deposit and automatic payroll deposits ) ; telephonic payment plans in which periodic or recurring transfers are contemplated ; remote banking programs ; and remittance transfers ( think international money transfers such as those offered by XXXX XXXX or XXXX ).
Liability for Unauthorized Transfer Assuming the theft or loss came from a personal account, consumers have little to fear if they regularly monitor their account and promptly report problems. I did this and notified Capital One of the bounced EFT payments! This is not my fault at all!
According to EFTA, an access device is a card, code, or other means of access to a consumers account or a combination of these used by the consumer to initiate EFTs. Access devices include debit cards, personal identification numbers ( PINs ), telephone transfer and telephone bill payment codes, and other means to initiate an EFT to or from a consumer account. ( The term access device will become important in a minute. ) Please note that conventional checks are not considered to be access devices. Not applicable If you lose your access device ( your PIN number or debit card ) and report within 2 days of discovering the loss, your liability is generally limited to {$50.00}. I notified the bank immediately of my stolen device and also filed a police report right away!
If you report between 2 and 60 days after learning of the loss, your liability is limited to {$500.00}. The rules say that once you get a statement, the clock begins ticking whether or not you open your mail or review your statement on line. This was done within 2 days of my device being stolen but was due to a hack, not the device. I dont save my passwords on my devices, ever!
If you wait beyond 60 days, your liability may be unlimited. In other words, check your statements! N/A If there is a loss not involving an access device and you report within 60 days, you have no liability. I did this within 2 days and this was not directly from my stolen device, the Fraudster hacked me! Wait more than 60 days and once agai
n your liability is unlimited. N/A The following reasons a Card Company can close an account : EFT Payments Bounce that the Customer knew were being made In the event a customer was unaware an EFT payment was being made ( ex. Identity Theft, Account Takeover, Fraud, etc. ) the customer is not to be held responsible and the Card can not be closed. I had no idea these payments were even being made due to ID Theft, Account Takeover, Fraud, follow by ACH
Payment Fraud. This is NOT an allowed reason for closure per EFT Regulations! In fact, I tried to stop one or more of these payments prior to taking place but it had already been posted!
Stopped Using the Card N/A Unused credit cards aren't profitable for credit card issuers. And card issuers aren't allowed to charge a dormancy or inactivity fee to cardholders who don't use their credit cards for cus months.2 Sometimes cl
osing a credit card is the better option for credit card issuers.
There's no standard timeframe for credit card issuers to cancel unused credit cards. To be on the safe side, use all your credit cards every three or four months to keep them open and active.3 Setting up a recurring payment, like a streaming service can be an effortless way to keep your credit card open. Just make be sure to make your payment every month.
You Stopped Making Payments N/A If you have an outstanding balance, the terms of your credit card require you to make regular minimum payments. While your credit card probably won't be cancelled after just one missed payment, a more serious delinquency can lead to a strained relationship with your credit card issuer.
Some credit card issuers will suspend your charging privileges if you're 60 or 90 days past due and let you start charging again once you bring your account current. However, your credit card
will be charged-off and closed completely after 180 days or six months of non-payment.4 Your Credit Score Dropped N/A While creditors can't increase your interest rate because of late payments on ot
her accounts ( unless the account is with that same credit card issuer ), they can close your account completely if you appear at risk of defaulting.5 If your credit score starts slipping because you're falling behind on your payments, your credit card issuers might start closing your credit cards.
You Rejected a Rate Increase or Other Change N/A Before a credit card issuer can make a pricing change to your credit card, like raising a fixed interest rate or annual fee, they must give you a 45-day advance notice. During that time period, you can reject the new credit card terms and choose to pay off your account under the old terms. However, many credit card issuers close your account if you decide to reject the new terms.6 A rate increase will only apply to new transactions. If you want to keep your credit card, you can pay off your old balance under the existing rate. Then, pay any new purchases in full going forward to avoid paying finance charges under the higher interest rate.
The Credit Card Issuer Is Getting Rid of the Credit Card N/A Credit card issuers continuou
sly review their credit card portfolio and get rid of credit cards that no longer fit. In this case, your credit card issuer will likely send advance notice before closing your credit card and let you know your options. You may be able to transfer your account to another credit card with the same credit card issuer.
The Bank Is Closing N/A Unfortunately, some credit card issuers are forced to shut down operations when they are no longer profitable. Many credit card issuers sell their credit card accounts to a new credit card issuer. The new card issuer may close the credit card and require you to apply for a new account if you want to do business with them.
XXXX XXXX XXXX XXXX
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02/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Capital One. What's in my wallet? Well, not them. I have been an account holder for years. Problem is I can not access my online account because Capital One only gives the consumer strict ways to access their accounts and statements, generally one way, to change their passwords which, is through their phone number ( particularly their cell phone ). My account is through an old cell phone that I longer have but, they want to send a message by text which, the site offers the same. I explained they can send a text message but, I no longer have that number so, the text will go out in space somewhere or to another owner. Neither have I possessed a cell phone or a cell phone in 2 or 3 years at least. Now, keep in mind, I have been dealing with this for over 3 days now in one week so, I'm now filing complaint. Capital One ( some of the other companies too like XXXX, XXXX etc ... ) are relying on phone numbers especially, cell phone numbers to identify you. Problem is should one no longer possess the number or something has happened to their phone, no longer has it, been stolen ( cause we all know that certainly doesnt happen ) etc. So, then what? Well, you stand big chance in losing, suspension of your account or having a hold on it, AND MORE if demands aren't met and they can add more if they want or deny you all together. You are basically XXXX in lots of cases. My family had this problem with online media and now with Capital One. One the first night of dealing with this, I was tossed around like the XXXX or a hot potato between three departments for at least 40 minutes. I had to disconnect because I have a family that needs me too. Well, Capital One did not like that so, I was told I had to send a copy of my driver 's license or state id because my verifying the last four digits of my Capital One account number, then the full 16 digits, the security code on the back, my address, my date of birth, and my social security number PLUS they have my financial information to accept MY PAYMENTS every month and I gave them one of my old passwords but, I'm not me, of course. A list of at least EIGHT THINGS TO ID ME and now they want my ID too so that is NINE and they may request more. That really is a long list of stuff to give someone to prove who you are. In addition, I have made payments to them fairly faithfully WITHOUT THEIR PRODUCING A MONTHLY STATEMENT in which, I thought I was entitled to and have requested one many times, denied one, told to go online since, I was signed up but, I can not get into my online account and can modify nothing or view anything because the website has extreme limitations and restrictions which is no help to the account holders and customer service isnt much help either since, both want to send a text to a cell phone that I no longer have and regardless, I am expected to send them monthly payments but, they can decide whether or not to accept payments, they don't have to send me a statement, and make it hard for one to do so, or view an online statement and allowed to treat me however on the phone. They can decline my payments or make it difficult for my making them. So, they asked for an abundance of information about me : four digits of my Capital One account number, then the full 16 digits, the security code on the back, my address, my date of birth, and my social security number plus, I offered previous passwords and my payment information from but again, I'm not who I say I am and do not deserve online account access. Even speaking with a manager, I got nowhere plus, she wanted to argue with me, letting me know everything Capital One can do and request and what I signed my name in blood for in a condescending manner. I didn't ask for anyone to recite their memorize scripts or patronize me letting me know what I got myself into or to make me feel like they got me where they want me. That card or kind of black mail doesn't work either. But, bet if I could access my account, I could get those policies. Well, if Capital One wants my utility bill, I expect it paid in full. They don't need birth certificate, social security card because I give social security number on my application. I might have sent in a copy of it when I applied as well. Since, it has not been entertaining enough, it's now tit for tat as she let me know should I refuse to submit payments, she honored me with threats to the credit bureaus and more. So, if you refuse them payments, as they can refuse yours, they can report you to credit bureaus to ruin your credit and your life which, is no exaggeration. I know because I went through this with another well-known auto dealership which, there was never a resolution other than to agree to disagree. In addition to the already 40-45 minutes, I lost another 35 minutes or more of my life and family time. I called a day or two later, to get account balance so, I could perhaps make another payment but, again I had to give last four digits of account, full 16 digits of account, the rest of the long line of information and was now surprised, by that wonderful argumentative manager I had the pleasure disputing with, with a whirl to the FRAUD DEPARTMENT which, makes it harder for you to make payments as well. This is because I refused them my driver 's license ( I believe, I had to send them in addition to my social security card to apply and be approved for the card ) so, that that manager could throw her weight and authority around to show me who is boss and what she can do per our arguing talking over each other which, all started because I could not change my password online and needed their help since, I don't have a cell phone anymore and they refuse to reset because I'm everyone but, who I tell them I am regardless, of the big list of ways requested to id me. I continue to go round n round like a merry-go-round. They offered no real help and even had me drag in my kid for their cell phone acting like they were going to send the code there but, tried to trick me into giving them a barcode on my id after, I already told them I would not do it since, I have given them the long list of what they want but, Capital One want more and, the gentleman I spoke with in FRAUD let me know I WAS BEING DIFFICULT and they were not? I also admired their slick idea of trying to get me to do something I clearly stated I was not doing. It was deceitful on the companys part since, they are accusing my being the same and insinuated my being stupid thinking I would go for it or not be intelligent enough to figure it out. Capital One has no intention of making it achievable or realistic in letting me into my online account to view statements, make payments, rewards, policies, account number which I already have, perhaps fico score which, I already get through credit bureaus and maybe more. Now, the last customer service rep was willing to accept money suddenly from me but, I am not allowed a statement, use of my card or use of my account ( over online account password restriction and refusal of id because they want more and more and tit for tat ). Another thing I want addressed is WHY AM I WHO I SAY I AM IF IT MEANS YOU GET MONEY FROM ME? Granted, money is money no matter where it comes from but, I can talk to a representative in fraud to give Capital One money but, I am otherwise not me? Certainly, not a slap in the face or an insult? I beg to differ. In addition, to treating me like I'm not valued and stupid at best. I realize a mediator may tell me I am wrong, Capital One is wrong, or both of us, are at fault. Capital One and other companies using residential and cellular phone number for identification need to have more than one way change their passwords or id because people change phone numbers all the time or lose their phone, service gets turned, phones stolen, off etc. Capital Ones competitors are more than happy to assist me and use different ways to id me including questions, digits in account number, social security number, previous passwords close to what was used last etc. Anyone committing fraud could have my drivers license, ss card, birth certificate, all account numbers and say I have moved or have new address to get more information or open more accounts in my name but, its unlikely they would call in for a statement or password change for financial planning or do more with an account they can do little with since, it has been spent and information is likely limited. A fraudulent person can try to use my account for purchases but, that is likely about it and they wont get very far. I did just receive a letter from their fraud department. Capital One wants to me call them so we can argue some more. Goody! Goody! I can hardly wait. In the meantime, I look for my account to go over the limit because of the barriers I have. At this time, I will not make more payments to Capital One until the account restriction is lifted and reset of my password for my online account so I can view my statements. Capital One 's decision doing this will prevent my getting a consolidation loan and a business loan in the near future. Consolidation means they get their money and ease on my credit. Not that any of this is their business but, would be in their interests.
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08/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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I was having problems with a merchant who took out monthly automatic payments from my credit card. Long story short, they lied about their cancellation terms, and when I went to cancel services, said that I would still be charged, added multiple new charges, and jacked up their rates. I am currently in dispute with this company.
I spoke with the fraud department of my credit card company, Capital One, about what I could do to stop these charges. They told me that there was nothing I could do, because they were unable to block charges from this company. They advised me that the best way to handle this situation was to have Capital One cancel my current card, and issue me a new one.
I received my new card on XX/XX/XXXX, and on the morning of XX/XX/XXXX I had it activated. I then went to my XXXX account to update my card info there, only to find that somehow it had already been updated! I have had a lot of problems with fraud in the past, having to change my credit card number eight times in the past year, and was afraid that my Capital One account and also my XXXX account had been hacked.
Immediately, I called XXXX. They told me this was nothing to worry about, because they have agreements with certain banks so that if their customers update their card info with their bank, the bank automatically sends XXXX the information, too.
This was very concerning to me. Capital One never informed me that they do this.
I called Capital One, and was given the run-around for ten hours!
I was transferred and transferred and transferred. No one could understand my concerns. They never heard of something like this happening before. They are not authorized to give out my card number to anyone. Finally, they told me Mastercard must have done it, and gave me a number to call Mastercard.
I called Mastercard. They, too, had no idea what I was talking about. They told me they do not save any information, so therefore could not give out my new card information to anyone. It must have been Capital One.
I called Capital One again, and was told multiple times that they don't know why Mastercard is lying to me, because they must have given out the information. Finally, someone at Capital One 's fraud department told me that this was not fraud, or a hacker who got into my Capital One and XXXX accounts. They said it was a service provided to merchants who consumers have recurring charges with, so that consumers can be provided uninterrupted service when they forget to update their billing information.
They said they had no list of merchants who paid for this service, and there was no way to tell who my new card information was sent to.
I told them what Capital One 's fraud department told me before about the merchant I was in dispute with, how my only recourse was to change cards.
This representative told me that that was not the case, that because of this service and the fact that there is no way to tell what merchants are paying for it, my new card information could very well be sent to the company that I am disputing, and they could therefore fraudulently charge my card.
I said that no one should have the right to give out my card number except me, how did they do this without my knowledge? Capital One again told me that they do not have authorization to give out my card information, it had to be Mastercard.
I called Mastercard again, and they told me the same thing as before, that they never heard of such a thing, they don't store my information, and therefore could not have given it out. I had them do a three-way conference call with Capital One, and I had the lady with Mastercard tell the Capital One representative what they told me, that they do not know what Capital One is talking about, and that they do not store or give out card info. The Capital One representative said he didn't know what to tell me, he was always told that it was Mastercard doing this.
I am XXXX and have an extremely difficult time reading online, particularly long privacy policies and terms of use with all the fine print. So I had my children help me to scour the internet and capitalone.com.
After several hours, we concluded that it is a service that Mastercard provides to " trusted '' merchants ( merchants who pay them money ) called Automatic Billing Updater. When a consumer changes card information, such as getting a new expiration date or a whole new card number, the information is sent to these merchants. There is no way for me to tell which merchants may be paying for this service. The merchant I am disputing could very well get my new card info, leaving me back at square one. I also decided that I needed a smaller internet footprint, which was another reason for changing this card. I recently closed several of my online accounts due to problems I have had with fraud. Could these people I purchased from in the past also have my new card info? Capital One and Mastercard say they don't know who they send it out to. And another problem, there is no way to guarantee that people Mastercard sends my new card information to won't then give it to someone else.
A year ago, someone hacked my Capital One card and subscribed to some dating site on XXXX called XXXX, and even though I have changed my credit card number eight times now, this person with this XXXX account somehow has been able to get each card. Are they accomplishing this with the Automatic Billing Updater? There is no way to know.
We also discovered that Capital One mentions the Automatic Billing Updater nowhere in their privacy policy or terms of service. I called to ask about it, and where to find it in their privacy policy, and they deny even using it, they have no idea what the Automatic Billing Updater is. When I told them they do use it, and they do know what it is, Capital One said that there is no way for me to opt out of it.
I found that a lot of other banks tell consumers about the Automatic Billing Updater upfront, and give them the option to opt out. I found several news articles saying your bank must opt you out if you ask them. But Capital One tells me they will not.
I called Mastercard on XX/XX/XXXX and said I wanted to opt out of the Automatic Billing Updater. Suddenly by some miracle they knew exactly what I was talking about, and said they would opt me out. Why couldn't they tell this was what I was talking about yesterday?
I am livid about how I was given the run around for ten hours, being lied to over and over again, by Capital One and Mastercard, when they all knew perfectly well what I was talking about, and they were trying to hide it. How could they be using a service that the customer service representatives know so little about? How could they be able to give out my card information without my consent?
I have extreme vestibular problems that cause me to be dizzy constantly. It is aggravated by eye strain and stress, and after a couple hours of this nonsense I had to have my daughter step in and help me deal with these people at Capital One. By the end of the ten hours of going around and around on the phone, I felt so sick I could hardly eat dinner.
I think customers should be notified of services like this Automatic Billing Updater upfront. I think customers should have to opt-in when they decide they want the service, rather than having to opt-out when they get a surprise because a merchant they didn't want to pay magically got their card info.
I think there should be a list that I can check of the merchants who use this Automatic Billing Updater, so I can find out who is out there that might have my credit card number.
I don't like at all how Capital One hid the fact that they use Automatic Billing Updater, and lied to me for ten hours.
I don't like how Mastercard hid the fact that they offer the Automatic Billing Updater to merchants, can get away with not telling consumers about it, and also lied to me yesterday multiple times.
Again, it is my credit card, and my credit. Shouldn't I be the only one allowed to give that number out? I consider it a safety issue, too, because last year I purchase a leather bag from a person in XXXX, and then was constantly harassed by him to the point of calling the police. If he were able to get a hold of my new card number now, what do you think he would do? I think a lot of the reason for me having to change my card number eight times is because of this Automatic Billing Updater.
I don't like how XXXX and whoever else can sign up for a service that gives out my personal information without having to inform me about it. I also can not find in XXXX 's privacy policy or terms of service any mention of the Automatic Billing Updater.
I don't think that it is correct that Capital One can not opt me out. And I don't think that it is right that they should be able to give out my personal information to whomever will pay them for it.
It is very creepy that my card information can be given out to whoever at who knows where and Mastercard has no idea who that might be. I have had my XXXX account, for instance, since the XXXX. Who knows what other companies I did business with back then who might now have my current credit card number.
|
08/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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***BELOW IS LETTER I SENT TO CEO OF CAPITAL ONE BANK IT EXPLAINS WHAT HAS HAPPENED. XXXX Dear Mr. XXXX, Firstly, I do have a legitimate Capital One credit card in my name ( Last four account # XXXX ).
This letter is about a fraudulent Capital One credit card ( Card # XXXX. Case # XXXX ) opened in my name. I was made aware of this fraudulent card when I received the bill on XX/XX/2019. Once I received the bill I immediately contacted Capital One who promptly canceled the card and sent my case to investigator XXXX XXXX. This has never happened to me so I assumed I did what I had to do by calling Capital One and closing the account immediately, in forming Capital One that I did not open this account or authorize this account to be opened or had any knowledge this account was opened in my name.
On XX/XX/XXXX I received a voice mail message from fraud investigator XXXX that after Capital Ones investigation I was being held responsible for the charges on the card because the card was sent to my address ( which I never received ) and my cell phone was used to activate the card and create a pin # for the card on XX/XX/XXXX.
Because Mr. XXXX did not leave an extension, for well over a week I had to call the general number, speak with and explain my situation to a customer service representative who then had to read over the material in my file, then had to transfer me to the fraud department where whoever I was speaking to in that department had to do the same. This was very frustrating to say the least. Being accused of being responsible for this card and being held responsible for the charges and the difficulty in getting in touch with Mr. XXXX prompted me to write a very terse and complaint letter to which I never received a response. I understand now that the tone of my complaint letter was less than professional, and I do apologize.
Once I finally reached MrXXXX XXXX personally, he explained that his decision was based on the fact the card was mailed to my address and my cell phone was used to activate the card and set a pin on XX/XX/XXXX. I informed him that I never received the card and I had proof from my cell phone company that absolutely no calls were made to Capital One from my cell phone on XX/XX/XXXX. I informed Mr. XXXX it is obvious I had been swatted ( He said Capital One uses another term ). He said that Capital One has software that can tell if that situation is happening and nothing came up. I did ask if that system is kept up to date with the advancement with current hacking techniques and he said no. Still, MrXXXX XXXX said regardless there is evidence that my phone was not used, according to cell phone records, and my number was possibly swatted, still, the card was sent to my home. He informed me that the only way to reopen my case for review was to file a police report.
I attempted to get a police report but was informed by XXXX that because of Mr. XXXX investigation and determination that I am being held responsible for the charges, XXXX can not take a police report for the fraudulent card because I cant be the one deemed responsible for the purchases made on the card and a victim at the same time. I informed Mr. XXXX of what the XXXX had said and pleaded with him over multiple phone calls ( both single and conference ) including the intervention of XXXX XXXX company and an actual XXXX Sargent to change the wording on his findings so that I can report the fraud to the police and get him the police report he needs. He refused to move from his position. He said he understood but Capital One is standing by this decision. I informed Mr. XXXX that I had contacted the establishments where the card was used to purchase items listed on the bill. I told him that the merchants informed me that the only way to see the videotapes they had was to go through the police and that they only keep tapes for a certain amount of time. MrXXXX XXXX said he understood but refused to move his position, as far as Capital One was concerned the findings of his investigation stands and no changes will be made and the only way to reopen my case was to get a police report so the police can investigate and prove I wasnt the one using the card. The merchants had video evidence of whoever purchased the items.
When I finally was able to get a police report a month later, Mr. XXXX then informed me that now Capital One will have to see if the XXXX will prosecute. He did not inform me of this before. XXXX Detective XXXX of the XXXX precinct in XXXX informed me this week that the case has been closed.
The reason was that they contacted the establishments where the card was used but the video evidence no longer existed, which is what I feared would happen.
Mr. XXXX, I havent attached any paperwork with this letter because everything I am telling you I have shared with Capital One. All paperwork is under the case number listed above. Sir, I did not apply for the fraudulent card for {$500.00}. Why would I do that when I already had a legitimate Capital One credit card with a limit of over {$6000.00} that I used very sporadically. All payments were made on time and in full. I am surprised that XXXX XXXX fraud department did not contact me when the application for the fraudulent {$500.00} card was requested. I was equally surprised that the fraud department did not contact me when the card was used in 48 hours leaving only {$.00}. That did not match my pattern of using the card. I have other credit cards and they surely would have contacted me ( and have ) when my spending pattern was off or suspicious.
I feel sir, that Mr. XXXX is doing this in retaliation for the terse complaint letter against him and his colleagues I sent. I say this because the credit restoration specialists and the XXXX detective, after reviewing the same evidence I have supplied to Mr. XXXX, have both said the same thing : They do not understand why I am still being held responsible? They both have dealt with, and in the case of Detective XXXX, investigated many identity theft cases in the past. I did ask Mr. XXXX if he has had Identical or similar cases like mine to which he said yes. I then asked him if they all turn out the same way and he said he could not tell me specifics but there are variations that could possibly lead to different conclusions. I called MrXXXX XXXX this week to get an update and to find out if my account was a part of the massive XXXX XXXX person breach that Capital One has been exposed to and could that have an impact on my case. I was told he is on extended vacation. I asked to be updated by his manager and /or supervisor and no one has gotten back to me. XXXX Detective XXXX told me she hasnt heard anything from Mr. XXXX since XXXX which prompted me to call them to get the update.
Mr. XXXX, I have reported the identity theft to the FBI ( IC3 ), the FTC and the XXXX. In doing so they all said if I sign the statement and the evidence points to me I will be arrested. Sir, I ask you, why would I risk being arrested in order to get a {$500.00} credit card with a company I already have a card with worth over {$6000.00} that I hardly use and have paid back on time? I am a middle aged man. Why would I purchase over {$200.00} worth of sneakers from a store geared for teenagers? Why would I do an online purchase for dog food for a pit bull, which I do not have, and send it to a person I do not know and to an address other than my own? I do not eat at establishments like XXXX and would never spend over {$60.00} there over two days. The address where the dog food ordered was sent, the sneaker store and the XXXX are all walking distance located in the same neighborhood in XXXX, NY. I live in XXXX. Why would I do this and sacrifice my good credit score?
I also asked if I can have the exact timestamp of when the cards were used so I can provide evidence I was at work or at home, etc, but that request, in Mr. XXXX absence was refused by another fraud account manager.
Mr. XXXX, I feel I have run out of options. My credit which had a rating of good, because of this is now poor. My other cards have either been lowered or closed. I was told if I pay then its an admission of guilt. I have reached out to the credit reporting agencies but they have said there is nothing they can do. It all depends on the information from Capital One. I continue to receive bills and telephone calls about the fraudulent card opened in my name while the interest and balance to be paid continue to climb.
Mr. XXXX I am in the process of contacting legal representation and I have reached out to my local television affiliates. I have an interview scheduled with XXXX XXXX consumer affairs reporter XXXX XXXX of XXXX get XXXX on XX/XX/XXXX.
I feel I have done everything I was supposed to do to prove I did not apply for this fraudulent card but Mr. XXXX and Capital One continue to hold me responsible.
I am asking for Mr. XXXX is to please have my case file reviewed. I am available to give more extensive information if you need. I can be contacted at the address above and at XXXX XXXX XXXX XXXX and at XXXX.
Thank you for your attention to this matter.
Sincerely,
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07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I, The natural Living man, The original creditor have extended my open ended consumer credit to Capital One Bank National Association to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth.
Under 15 U.S. Code 1610 - Effect on other laws ( c ) Disclosure as evidence In any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale.
Capital One Bank National Association is not a federal, but a commercial institution, so by federal law jurisdiction Capital One Bank National Association is Card a issuer, consumer reporting agency and debt collector ( debtor ). Because Capital One Bank National Association is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself.
FDIC rules prevent banks from loaning their own assets or the assets of their depositors- proving the banks do not and can not provide value for value and have no valid security interest. The Lender in any loan transaction In the United States NEVER lends anything of reasonably equal value to the Borrower and any contract formed is defective for false advertising, semantic deceit, non-disclosure, and lack of equitable consideration.
Bank transactions require a legal object and purpose. Capital One Bank National Association has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges, false consumer reporting, Theft and billing tactics and closing an open ended consumer credit plan.
15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; A bank can not loan credit in truth and validity from a CONSUMERS CREDIT TRANSACTION.
See : There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. XXXX, XXXX XXXX See : In the Federal courts, it is well established that a national bank has not power to lend its credit to another by becoming XXXX, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX U.S.669 See : Neither, as included in it powers not incidental to them, is it part of a banks business to lend its credit. If a bank could lend its credit as well as its money, it might, if it received compensation and was careful to put its name only to solid paper, make a great deal more than any lawful interest on its money would amount to. If not careful the power would be mother of panics Indeed, lending creates a liability in favor of the bank, the former gives rise to a liability of the bank to another. I XXXX. XXXX XXXX XXXX XXXX XXXX. See XXXX ; XXXX, XXXX XXXX XXXX, XXXX XXXX. See XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Capital One Bank National Association, by Federal law is also a consumer reporting agency and debt collector, who collected upon a not only fraudulent, but nonexistent alleged debt.
FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even in the highest federal court.
15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Understand, when an organization initiates a credit sale in a persons commercial name using their open-ended consumer credit plan, then creates and furnishes a deceptive form to make a credit sale appear valid, this is in fact Identity Fraud and theft. That organization shall pay interest to the Consumer for his or her extension of open-ended consumer credit within the Corporation of the United States.
See : the bank is allowed to hold money upon personal security, but it must be money that it loans, not its credit. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, Fed Case N0. XXXX, XXXX, XXXX.
Section 103 ( b ) ( E ) ( 2 ) of the Depository Institutions Deregulation and Monetary Act of 1980, Public Law 96-221 admits that in the United States, neither paper currency nor deposits have value as commodities. Intrinsically, a dollar bill is a piece of paper and deposits are merely book entries.
A Bank, non-living entity, can not Lend funds or Extend credit, therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states, under 12 USC 1431 that banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto.
See : XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) See : A National Bank has no power to lend its credit to any person or corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, certiorari denied in 20 S. Ct. 1024, 176 US 682, 44 LED 637.
See : The Doctrine of Ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate chapters, and it is probably not invoked too often XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX.
See : A bank may not lend its credit to another even though such a transaction turns out to have been of benefit to the bank, and in support of this a list of cases might be cited, which-would look like a catalog of ships. [ Emphasis added XXXX XXXX XXXX XXXX v. XXXX XXXX. XXXX, 144 SE 505. 151 Va 195.
See : It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX, XXXX ( XXXX XXXX See : A bank can lend its money but not its credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX ( NS ) XXXX XXXX transactions require a legal object and purpose. Capital One Bank National Association Financial has committed illegal acts, Fraudulent representation of fact and Lending of credit instead of money, also unfair debt collection practices and harassment through false billing charges decrease in credit limit without explanation.
Under 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Capital One Bank National Association willfully intended to deceive, the original creditor into a fraudulent contract during a credit sale of a consumer credit transaction. I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. If Capital One Bank National Association continues to report falsified information on my consumer ( Late Payments/ Charge off ) which was constructed willfully in fraudulence and identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance. It is impossible to pay on a Positively reflected balanced debt or charge. Capital One Bank National Association has mislead the consumer, when in fact the Alleged debt balance showed it has already been accounted for. Why did this number not reflect in a negative balance?
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
|
06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I am disgusted with my experience with Capital One ( Venture card ) and its claim of XXXX fraud liability protection. This was NOT at all my experience with Capital One. I imagine Capital One employs an entire department of people dedicated to fraud protection and lawyers, and yet, I was left to defend myself against this case of fraud with NO help from Capital One over a period of months. Capital One was of no assistance and is refusing to consider this case as fraud, despite the fact that the price I had agreed to pay was not the amount I was actually charged by the merchant.
I provided countless documents, screenshots, emails, etc, providing evidence of my claim and supporting documents to support my dispute. Each and every time, I was told Capital One then needed different documentation. I would then provide that documentation, and Capital One then stated they needed something else. I was left to research the merchant and repeatedly contact them on my own. I found numerous complaints on the XXXX website when I went to file my own case with the XXXX against the merchant. I discovered a class action lawsuit against the same merchant, from XXXX, citing the same six complaints that I described to Capital One. None of that was sufficient for Capital One to help me. I have been in repeated contact with Capital One for the past month ( since XX/XX/XXXX, the date of the adjustment reversal ) providing documentation, calling to clarify exactly what documentation they would need, then providing that documentation, and then asking why my claim was rejected. This process repeated for an entire month, until yesterday ( XX/XX/XXXX ) when I was told the newest reason for the rejection of my claim was that the deadline had passed, and despite my having provided the documentation that had Capital One requested, I had needed to submit that documentation by XX/XX/XXXX. Never before yesterday had I heard about a deadline from Capital One. And, I do not understand how a deadline would have passed if they had only reversed the purchase adjustment and requested documentation on XX/XX/XXXX. That would have only allowed me a few weeks to respond.
Please listen to the recorded conversations and review the multiple sets of notes I requested to be put into the system regarding this case, as well as the numerous documents I have uploaded to support my case. Initially, I had a lengthy conversation with a Capital One employee named XXXX during the recorded call that I made on XX/XX/XXXX, ( the very same day that I both booked and cancelled this reservation, once I realized this was a fraudulent company impersonating the actual XXXX XXXX XXXX official website ), I explained the entire situation to the employee and then asked her to stop/block the transaction from posting. She informed me she was not able to prevent the charge from going through I explained to her that I had multiple screenshots of the entire experience that I was able to include as documentation. She informed me that was not necessary at the time, and that Capital One would initially refund the money and contact the merchant on my behalf.
On XX/XX/XXXX. Capital One made a purchase adjustment for the total amount of the purchase ( {$5400.00} ) despite my only requesting {$4400.00} ( as I had already receive a refund from the merchant in the amount of {$970.00} ). At this point, I thought everything was fine, and I was not asked to submit any supporting documentation.
Then, on XX/XX/XXXX, almost an entire month later, the purchase adjustment was reversed for the duplicate refund amount ( not contesting that transaction ), and a second transaction for the amount of the remaining balance ( {$4400.00} ). Since this reversal of the purchase adjustment, I have provided Capital One with numerous documents. screen shots, emails, and various other types of evidence to support my claim.
Every time Capital One rejected my claim, they would say that if I had written evidence from the merchant agreeing to refund me the entire amount, that would be sufficient ( please listen to Capital Ones recorded phone calls ). Despite me believing this was impossible, because the merchant is a fraudulent, predatory company who would never put that in writing, I was so persistent that I actually got the merchant to send this documentation. When I submitted the very documentation that Capital One had been requesting, I was told by XXXX a Fraud and Dispute Manager with Capital One, that, while they had been requesting this exact documentation, the deadline had expired and I should have submitted it by XX/XX/XXXX. So he was once again not able to help me.
The date of the initial purchase in question was on XX/XX/XXXX. The date of the purchase adjustment reversal was XX/XX/XXXX. I submitted the documentation Capital One had repeatedly requested on XX/XX/XXXX. From the date of the purchase adjustment reversal on, XX/XX/XXXX, I have lost hours of sleep stressing about this situation and losing a significant amount of money. I have spent many, many hours researching, contacting the merchant myself, contacting Capital One, contacting the FTC, contacting the XXXX, contacting Georgias Attorney General, and even contacting the XXXX XXXX XXXX to inquire about my case. Capital One will admit that this merchant is not legitimate, that this transaction does not sound legitimate, that there are many cases similar to mine, but Capital One then claims that it is not considered fraud and they can not help me. They would then ask for additional documentation, provide a link for me to submit that documentation, and then deny my claim for a different reason.
Capital One claims to have zero fraud liability. However, when I dealt with a fraudulent, predatory company, Capital One did not protect or even attempt to help me. Again, there is an entire department dedicated to fraud and purchase disputes, there are lawyers retained by Capital One, and I am the one spending hours upon hours of my time, with nowhere near the resources available to Capital One.
Initial Transaction Specifics : Guest Reservations is a third-party booking website that then uses another third-party booking service, XXXX, to actually book the reservation. Their information showed up as " XXXX XXXX '' on my credit card. ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, the very same day that I both booked and cancelled this reservation, once I realized this was a fraudulent, predatory company impersonating the actual XXXX XXXX XXXX official website, and I was unknowingly charged almost {$2000.00} in fees. These fees were not made known until AFTER I submitted the payment. On XX/XX/XXXX, I believed I was booking a reservation on the XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX ) official website. I found a hotel room for about $ XXXX night for 7 nights ( booked for the dates of XXXX XXXX, 3 months in advance ). It was not until AFTER I had entered my credit card information, and I had submitted my payment that a surprise service fee of almost {$2000.00} appeared on the receipt. I IMMEDIATELY contacted the company and requested a cancellation stating that I refused to pay a service fee that almost equaled the cost of the entire trip. The website stated that there was NO cancellation fee, or, at most, a {$25.00} cancellation fee ( see screenshot of policy stated on their website ). It was not until I cancelled my reservation that I received the cancellation email stating that there would be a {$4600.00} cancellation fee. Total, I was charged {$5400.00} and I was refunded {$970.00} instead of the entire amount. I had immediately realized this was a scam by a fraudulent company. As I am researching this company to dispute their charges, I have discovered there are HUNDREDS of identical experiences of customers getting a scammed by this company on the XXXX website. They impersonate an official hotel companys website, apply hidden charges that are not disclosed until after the transaction, and then charge an insanely inflated cancellation fee when the customer disputes the predatory booking process used by this company. Additionally, there is and has been a class action lawsuit against XXXX for their fraudulent and predatory practices. this company impersonates a legitimate hotel website when it is not one, this company does not disclose fees until after the fact ( as is what happened when I purchased the tickets ), this company has a history of misrepresentation, hidden fees, omission of information and fees, and other fraudulent practices specifically regarding their cancellation policy ( which is also fraudulent and predatory ). I have uploaded the entire class action lawsuit against the company. There are six different counts against this company.. I booked and cancelled the reservation in the same day because I immediately realized I had been scammed and taken advantage of by this company. An undisclosed {$2000.00} service fee is unacceptable, but a {$4500.00} cancellation fee is even worse. I did receive a refund amount of {$970.00} from the merchant, so I am requesting the remaining balance of {$4400.00}.
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08/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT CAPITAL ONE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Account legally paid in full for less than the full balance.
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XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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01/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Dear Sirs, The bearable version of explanation is the following : XXXX XXXX XXXX originated in XX/XX/XXXX and serviced the loan until XX/XX/XXXX.
A Final Loan Modification to this borrower was approved and issued to the borrower and became effective XX/XX/XXXX issued by XXXX XXXX XXXX.
. All payments were being made to XXXX XXXX XXXX and commenced on XX/XX/XXXX
The loan was then transferred for Servicing to XXXX XXXX XXXX in XX/XX/XXXX.
The mortgage payments under the Final Loan Modification Agreement/Contract were rejected by XXXX XXXX XXXX at that time without notification to this borrower. ( See copy of rejected payments, including letter from Capital One ).
There is a Mortgage Loan Statement issued to this borrower in XX/XX/XXXX from XXXX XXXX XXXX, when the loan was at that time being serviced by XXXX XXXX XXXX. ( Attachment of this statement is enclosed ).
There is a violation and Breach of Contract clearly transparent by XXXX XXXX XXXX, when rejecting mortgage loan payments when the Servicing transfer was completed in XX/XX/XXXX. AS A CONSEQUENCE TO THIS ACTIVITY BY CAPITAL ONE AND THE REJECTION OF MORTGAGE PAYMENTS AFTER THE SERVICING TRANSFER, THE BORROWER HAS BECOME DELINQUENT, THE MODIFICATION OF XXXX HAS BECOME NULL & VOID BY CAPITAL ONE, AND THE BORROWER IS NOW FACING FORECLOSURE NEXT WEEK -XX/XX/XXXX.
Given the explanation above regarding this loan and the dangerously close Trustee Foreclosure Sale Date of XX/XX/XXXX - This Complaint was sent via email to the Office of the Ombudsman on Monday XX/XX/XXXX Attention of XXXX XXXX XXXX, acting director of the CFPB.
Previous to this effort, several facsimile letters were submitted in XX/XX/XXXX to the Foreclosure Trustee with the information listed above in bullet points. A letter was also faxed and emailed to XXXX XXXX XXXX requesting a postponement of eminent foreclosure sale date of XX/XX/XXXX and to NO AVAIL there has been no reply.
At this time it is becoming dangerously close to a Wrongful Foreclosure by XXXX XXXX XXXX and its Foreclosure Trustee as no one has answered the questions that have identified above. Because XXXX XXXX XXXX is the Investor of this loan as has been noted by XXXX XXXX XXXX. A calculated and gross negligence issue is at hand and a Breach of Contract of the Original Loan Modification issued by XXXX XXXX XXXXXXXX is now a critical matter. ( Copy of the Loan Modification signed, dated & notarized attached ) It has been made transparent that XXXX XXXX XXXX is the Investor of this specific loan, exercising and manipulating their service contractors and the borrower in mis-representing critical facts of servicing and election of Foreclosure as Capital One has not offered any home preservation options until a call was received today from XXXX XXXX XXXX It was suggested downloading an Application to submit with only ( 8 ) Days prior to the Foreclosure Sale Date for a modification or short sale in the home preservation option and servicing of this loan.
A request to postpone the scheduled Trustees Sale Date scheduled for XX/XX/XXXX is an URGENT request message as the following documents also attached with a Fax transmission identified the following : Copy of a Capital One XXXX XXXX Statement for payment to XXXX XXXX XXXX Dated for XX/XX/XXXX mailed to the borrower.
Copy of Final Loan Modification issued by XXXX XXXXXXXX XXXX on XX/XX/XXXX signed, dated and Notarized on XX/XX/XXXX by the borrower returned back to XXXX XXXXXXXX XXXX. Payments commenced on XX/XX/XXXX. ( See copies of Checks to XXXX XXXX XXXX dated ( 8 ) eight months prior to the XX/XX/XXXX Transfer date to XXXX XXXX XXXX
The request to postpone this scheduled sale on XX/XX/XXXX is to clarify which servicer was actually servicing the above stated loan on XX/XX/XXXX and why home preservation options are only being acknowledged today? XX/XX/XXXX Why were the mortgage payments rejected by XXXX XXXX XXXX - ( Copy of rejection notice and payment check that was rejected is attached ) There are several documents, that confirm the suspicions of the Investor of this loan, who is also XXXX XXXX XXXX whereby, there is a Mortgage loan Statement issued to the borrower on XX/XX/XXXX, when XXXX XXXX XXXX was servicing this loan?
The questions being asked of XXXX XXXX XXXX is to produce, Servicing History of Payments for this loan? This has been rejected by XXXX XXXX XXXX
When the account was transferred for serving to Capital One in XX/XX/XXXX, Capital One rejected regular monthly payments under the Final Loan Modification approved, signed, notarized and sent back to XXXX XXXXXXXX XXXX, the originator of the loan and loan number : XXXX at XXXX XXXX XXXXXXXX in XXXX. ( Copy of that Final Loan Modification is attached ) ( See attachments and letter from Capital One and rejected payment ) Given the extensive nature of the resistance from XXXX XXXX XXXX to submit and verify the information regarding the rejected payments after the transfer of servicing to Capital One, it has been 3 years in attempting to extract viable, confirmed evidence of why Capital One is continuing to pursue FORECLOSURE given that Capital One is in Breach of Contract, and attempting a wrongful foreclosure.
All entities have been sent letters of request to postpone the Sale until and unless Capital One can issue the Qualified Documents of Servicing the Loan on the dates XXXX XXXX XXXX is claiming including but limited to the BREACH OF CONTRACT in rejecting mortgage payments under the Final Loan Modification Agreement issued by the previous servicer XXXX XXXX XXXX. The information of documents can confirm and verify that XXXX XXXX XXXX is misrepresenting their servicing position and refusing to confirm or deny they have been attempting to Wrongfully Foreclose after the borrower has complied with having made his regular monthly payments to XXXX XXXX XXXX, and those payments being rejected by XXXX XXXX XXXX
It has been made transparent that XXXX XXXX XXXX is the Investor of this specific loan, exercising and manipulating their service contractors and the borrower in mis-representing critical facts of servicing and election of Foreclosure as Capital One has not offered any home preservation options until a call was made today to XXXX XXXX XXXX regarding it 's Silence and lack of response to letters that were requested to be faxed regarding this matter. It was suggested downloading an Application to submit with only ( 8 ) Days prior to the Foreclosure Sale Date for a modification or short sale in the home preservation option and servicing of this loan.
There is a Wrongful Foreclosure eminent and scheduled for XX/XX/XXXX and no cooperation from either the Foreclosure Trustee, XXXX XXXX XXXX and its principals emailed directly regarding this matter with a letter attachment or from XXXX XXXX XXXX, after Capital One requested this information in writing and " Faxed '' over. ( Fax confirmations can be provided ) All was compiled with last week. To NO AVAIL, has Capital One responded to this information or to the request of Postponement of the Scheduled Sale, until this information could be investigated and resolution could be found.
The letter to Capital One on XX/XX/XXXX included the request of the following documents : ( Copy of letter is attached ) Home Preservation Options - as XXXX requested I download an application for a Loan Modification just todayXX/XX/XXXX and submit as quickly as possible?
A Payment Servicing Transaction Report of all payments made by this borrower to XXXX XXXX XXXX, beginning with and not limited to payments made to XXXX XXXXXXXX XXXX prior to the loan transfer for servicing.
An Escrow Analysis Statement : Demonstrating servicing by XXXX XXXX XXXX.
Copy of the documents transferred in the servicing transfer of the signed, dated, notarized Final Loan Modification Agreement issued by previous servicer XXXX XXXX XXXX.
Copy of the correspondence letter mailed to the borrower of the loan servicing transfer from XXXX XXXX XXXX
Copy of the Servicing Research regarding the Final Loan Modification transferred to Capital One in XX/XX/XXXXper XXXX XXXX XXXX Servicing Research Team.
Reinstatement Quote Pay Off Quote The request to Postpone this Scheduled Sale due to the lack of consistent information from a Servicer is being requested by the CFPB to intervene.
ATTACHMENTS INCLUDE THE FOLLOWING : * - Letter to Foreclosure Trustee " XXXX XXXX XXXX '' and Its principals, XXXX XXXX OF XXXX XXXX XXXX, XXXX * - Letter to CAPITAL ONE Requesting Information for the borrower and the discrepancies in the Servicing of this loan after serving Transfer.
* - Copy of Mortgage loan Statement dated XX/XX/XXXX * - Copy of Final Loan Modification issued by previous servicer XXXX XXXX XXXX * - Copy of letter to XXXX XXXX, Acting Director of the CFPB * - Copy of mortgage payments made to XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX.
* - Copy of mortgage payment to Capital One ( REJECTED ) INCLUDING COPY OF LETTER FROM CAPITAL ONE.
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08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I opened a dispute with my Capital One credit card. The reason I opened a dispute is because I was scammed out of {$450.00} from an online website. I ordered a glass neon sign from XXXX and received a cheap flimsy LED sign made out of plastic. I did not get what I paid for, so I opened an item not as described dispute. Capital One also made it difficult for me to open the dispute. I had to complete an online questionnaire, but they did not let me submit any of my own documents showing proof of being scammed. They also would not finalize the dispute until I called them. This was a lengthy, time consuming, and frustrating process that I have not had to do with any other credit card company. Initially, I contacted the neon sign customer service in an attempt to get a refund and they admitted over the phone that there was a mistake with my order and that I was overcharged. The company also admitted that they do not make glass neon signs because nobody wants them. The company offered me a partial refund of only {$120.00}. I declined this offer because I did not receive what I wanted. I wanted to return the product for a full refund. The customer service representative told me that they would call me back. I never received a call from them, which is why I opened the dispute.
When I called Capital One customer service XX/XX/XXXX, they told me that they would ask me for additional information if they needed it since I was not able to submit any. They credited the purchase on my account temporarily. Then, on XX/XX/XXXX I received a letter from Capital One saying that I had lost the dispute and if I wanted to challenge it further I had to submit following : Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoice or purchase agreement/ contract, and information and / or evidence to support how the merchandise ordered differs from what was received. A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. A statement that includes the number of times the merchant tried to correct the problem, and a description of how you tried to resolve the dispute with the merchant. If you returned the installed parts, please provide the date and proof of return or the date they were made available for pick-up. If the merchant gave you a refund voucher, please provide that as well.
I contacted Capital One customer service on XX/XX/XXXX after receiving the letter that I lost the dispute. I expressed my concerns that I was unable to submit any of my own documents. I also asked if all my proof had to be mailed and they said no and sent me a link to provide my documents. I also expressed concerns about the a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly section on the letter from them. I inquired why another business that has nothing to do with the dispute would be willing to write a letter for me. They told me on the phone that I did not have to include that letter and still could potentially win the dispute without it. On XX/XX/XXXX, I provided them with the information provided minus the letter from another merchant. On XX/XX/XXXX, I received another letter from Capital One saying that I did not provide them with the information they asked for and that the dispute would remain closed. Outraged, I called Capital One customer service and asked what additional information they needed. They gave me a list of things to send in, which still did not include the letter from another merchant. I compiled the documents and submitted them the same day on XX/XX/XXXX. Almost immediately after submitting the documents I received an email from Capital One stating that the case would remain closed. A real person could not have even reviewed the documents in the time that I submitted them and received the email stating that the case would remain closed. It was almost instantaneous. I did heaps of work providing proof for my documents to not even be looked at by a real person. I also received the same document every time that did not even elaborate on what was missing from my dispute evidence. It just stated that I did not provide them with what they asked for, which was not true.
I called customer service again on XX/XX/XXXX and demanded to speak to a supervisor after I was told that I needed the letterhead from another merchant in the same field. I was frustrated because I was told twice by customer service that it was not necessary. I was on the phone for over an hour with the Capital One supervisor. She was rude and dismissive. She said our evidence was not good enough despite it providing all of what they had been asking for. She just stated that we needed the letterhead from another merchant and a progressive essay, which was essentially what I had already submitted and spent hours working on. I also complained that the charge was put back on my account. The supervisor told me that the case was not closed and that the money was just floating around. I do not believe this to be true as the purchase adjustment was put back on my account on XX/XX/XXXX. It appears to me that they had already made their decision. They told me that the letter I kept receiving was a generic letter and the case was not actually closed. I also believe this to be a lie because the funds were immediately put back onto my account and I continuously received the same document stating that the case was closed. Nowhere in the letter did it say I was able to provide more evidence. I was only able to provide more evidence because I continued calling customer service for a link. This situation was ridiculous to me as the dispute was already extremely time consuming and now I had to find a merchant who had nothing to do with the dispute to write a letter explaining what was wrong with the product I received. Extremely frustrated, I decided to get the letterhead from another business in the area.
One last time, I contacted Capital One customer service before I obtained the letterhead to see what I was even attempting to prove. The business, XXXX XXXX submitted that I had received a glass neon sign according to the customer service representative. In my evidence, I showed Capital One that I did not receive a glass sign and that it was a plastic LED sign. However, I still decided to pursue the letterhead from another merchant as a last attempt at getting my money back.
On XX/XX/XXXX, I submitted my final proof to Capital One, this time I included the letterhead from another merchant. Again, almost immediately I received a letter stating that I had lost the dispute. I received the same letter that I had gotten prior. The dispute was permanently closed on XX/XX/XXXX and I could no longer provide anymore evidence I had to do hours of work with pages of proof that included pictures of what I received with explanations and dates. The business, XXXX XXXXXXXX, only had to submit one document stating that the customer received what they ordered and their terms and conditions and stated that I ordered from the wrong link. I did not order from the wrong link and proved this to both Capital One and the business and still have not received any sort of refund from anyone. It is absurd that the consumer who was scammed had to submit pages and pages of evidence and the business only had to submit one sentence and the invoice of my purchase.
Additionally, I believe that all of the time spent on the dispute was a waste of time. Since they put the charge back on my account from the moment I got the first letter from Capital One. No one even looked at my documents. I received the same letter from Capital One countless times saying that I lost. These letters were sent in minutes where it would be impossible for a real person to review my evidence. I spent hours on my proof to get my money back, but Capital One did not even bother to look at it. I wasted my time and still lost my money.
In the document from Capital One on XX/XX/XXXX, it shows the proof that the business, XXXX XXXX submitted. It is minuscule compared to what I had to send in and still lose the dispute. Additionally, I reported the business to the XXXX and they admitted that they offered me a partial refund, meaning that there was something wrong with the product I received. I never received this refund as shown in my statement. I submitted this proof to Capital One, but of course it was not even looked at. I had to pay full price for an item that was falsely advertised. I am providing all of the documents that I sent to Capital One and the business to show the extensive work I had to do for no help from Capital One. They did not treat me fairly. The business was valued more than me as I had to submit an obscene amount of evidence. Capital One does not value their customers.
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11/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In brief summary, I am a Capital One credit card holder. A very large fraudulent transaction was made using my card or a cloned copy of my card, in XX/XX/2020. I received no transaction alert to my email nor to my phone despite the fact that the transaction was a {$100000.00} purchase at a jewelry store, out of state, and made at a time when I had made no transactions on my Capital One card for several months. This transaction was completely atypical from my card usage and, without a doubt, should have raised red flags at Capital One. Capital One did not flag the transaction, temporarily block the transaction, or reach out to me to verify if it was me trying to make the transaction.
A full 6 weeks later, I received an email notice of a payment due on my Capital One card, despite that Id not made any transactions on the card for months. Upon seeing the card statement online, I immediately contacted Capital One to report the {$10000.00} charge as fraudulent. The payment due email and my call to Capital One were both on XX/XX/2020, the first day I was aware of the fraudulent charge. It would appear my card was stolen, which I was not aware of. In fact, at the time I reported the {$10000.00} transaction as fraud, I believed the card was still in my possession however I was not even asked about my card. I was asked if I received a fraud notification, and let the representative know that I had received no notification of the transaction to either my phone or email on the date of the transaction or at any time after until receipt of the card statement weeks later. The fraud investigation was launched. I received a letter dated XX/XX/2020 from Capital One informing me that the fraud investigation " is now resolved, '' and confirming that " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The letter will be attached to this complaint.
However, without notification to me, Capital One then reposted the XXXX transaction. Not only was I not informed of this in any way by Capital One, but I also did not for the second time receive any automatic alert when this large amount was posted to my card. I saw the transaction had been re-posted when I logged in to my card account on XX/XX/2020, to activate the replacement credit card Capital One sent me, which I received that day. I again immediately called to report this as anomalous and clear up the matter. Capital One customer service then stated for the first time that the {$10000.00} transaction is attributed to me, despite that Capital One had already investigated and declared it a fraudulent transaction for which I was not responsible, as I was informed by letter of XX/XX/2020. To my total disbelief, I was curtly told by a Capital One customer service representative that the burden was being shifted to me to provide documentation that I did not make the fraudulent transaction. When I sought an explanation and to speak with someone supervisory, I was told that I was speaking with " the highest level available '' despite the fact that I was speaking to the first level representative reached when I phoned in.
The reposting of this charge after the fraud investigation was closed and the transaction was found to be fraudulent is entirely inappropriate, and distressing, to say the least. The treatment given me by the Capital One customer service team was highly unprofessional and clearly intended to shut down my ability to address the fraudulent transaction. Capital One needs to direct serious attention to the fact that it is not providing adequate consumer protections against fraud such as this. As noted, this {$10000.00} transaction was not flagged nor blocked as it clearly should have been. The transaction was completely atypical in amount compared to my spending patterns, and it was made at a time when my card had not been used for months. It also was made at an out-of-state retailer, and in a state where I had never made a transaction using my card. One of these facts alone should have been sufficient for Capital One to block the transaction and to seek verification from me before allowing it.
In addition, I became aware on XX/XX/2020, shortly after contacting Capital One about this fraud, that fraud notifications had at some point been turned off on my card. This is not an action that I took, nor that I was made aware of when the change occurred. After reporting the fraudulent transaction on XX/XX/2020, I received an email from Capital One asking me if I wanted to turn on fraud notifications, which was a surprise since I had not been told during the call with Capital One an hour earlier ( to report this fraud ) that transaction/fraud notifications had been turned off for my card. When I acted to turn the notifications back on, the Capital One system rejected my phone number of record and would not allow me to turn the notifications on. I had to phone Capital One yet again to get technical support just to get the transaction/fraud protection notifications turned back on. This was highly suspicious. Despite getting the notifications re-set by a Capital One representative on XX/XX/2020, I still did not receive any notification when {$10000.00} was posted to my card for a second time in early XXXX, after the fraud investigation had been concluded and confirmation made that the {$10000.00} transaction was fraud. Each of these facts is extremely troubling and indicates a systemic failure at Capital One in the area of customer fraud protection. I do not, as a card member, feel at all protected by Capital One.
By contrast, I have been an XXXX XXXX customer for 23 years. The fraud protections in place at XXXX XXXX stand in sharp contrast to this failure of protection by Capital One. By way of just one example, I used to live abroad for several years and would not use my U.S. Dollar XXXX XXXX card very often during that time. Every single year, when I returned home to New York for a summer visit with my family, the first time I attempted to use my XXXX card, the transaction would be blocked and handled as potential fraud. I would be contacted by phone immediately by XXXX. I'd have to respond on my phone number of record and to verify my identity and that I was the one making the transaction before the transaction was allowed. These were transactions of {$100.00} or {$200.00} and yet they were flagged and verification was sought. Yet, in the case of Capital One, not having used my Capital One credit card for some 9 months, a {$10000.00} purchase at an out of state jewelry store was allowed to be made to my card with zero flags raised by Capital One, zero intervention to verify the legitimacy of the transaction, and zero notice to me.
I have fraud alerts set on all of my credit cards. I have, since this incident arose on XX/XX/2020, re-verified that is the case and it is on all of my cards. On XX/XX/2020, a Capital One representative assisted me to re-set my card transaction notifications after theyd been suspiciously turned off. Yet, on XX/XX/2020, I saw in my Capital One phone app that transaction notifications were not enabled for my card account. I have reset them in-app as of XX/XX/2020. Clearly there is something extremely ineffective and inappropriate going on at Capital One with regard to such transaction notifications. I will be reporting this issue to the departments of financial services and divisions of consumer protection in Virginia and in New York, and to the state attorney generals office in both states as well. The failure of consumer protection evidenced by this situation, and the concomitant effects on Capital One card holders like me, can not continue.
The treatment I've received by Capital One over the past couple of weeks is shocking and extremely troubling. I request your assistance to get this matter into the right hands immediately so that this fraudulent charge is re-removed and I am not under threat of being held responsible for {$10000.00} in charges fraudulently made to my card.
I have sent Capital One a letter fulling addressing this, attaching a copy of Capital One 's affidavit of unauthorized card use, a copy of their XX/XX/2020 letter from confirming I am not responsible for the fraudulent charge of {$10000.00} made on XX/XX/2020 at XXXX XXXX XXXX XXXX in XXXX, New Jersey, and a copy of the statement reflecting Capital One 's re-posting of the {$10000.00} charge. I did not make the XX/XX/2020 transaction. I have never shopped at XXXX XXXX. I was not in New Jersey on that date. I did not allow use of my card by anyone else. I did not know my card had been stolen. I was not alerted by Capital One to this enormous transaction. I did not turn off fraud alerts on my Capital One card. I was not protected by Capital One in the face of this highly suspicious and fraudulent transaction.
I would greatly appreciate your assistance in raising this to Capital One for proper resolution.
|
11/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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I applied for 2 Capital One Credit Cards on XX/XX/XXXX, first for a regular card, then for a secured card. I was denied on btoh. In the past, the early XXXX, I had bad credit but I paid off and closed some accounts, paid off past due taxes and waited until other creditors were charged off. Approximately 2 -3 years ago, I began cleaning up my reports, having old addresses taken off, old jobs, and disputed old charges from the XXXX that were still showing, etc. so my credit report should now be clean. During the past decade I had one credit card, Capital One, which I had around XXXX. I closed it shortly after getting it ( I didn't know closing cards was detrimental to your credit score ). Now, I can't get new credit, even though I haven't had anything detriminetal on my account for a decade. My credit reports are now basically zeroed out except for a payday loan which I open around XXXX and which has followed me around since. I paid off/reopened this payday loan dozens of times because I worked a job that didn't allow me to pay my basic needs so I kept reopening in hopes I'd get more money, avoid paying full balance. I must have given them hundreds or thousands of dollars on top of the original {$500.00} or so I took out so I'm not paying more. It's been a decade, it should have dropped off. But instead, the payday company sold it to a recovery company and apparently is showing up as new bad credit, even though I haven't had credit in a decade except for the old capital one card. Capital one says they can't reopen my old account. They also said they can't give me a new card because they didn't get a credit report from XXXX and that this, along with the lack of recent credit history is the reason for my denial. XXXX says Capital One can see my reports. Since they are pointing fingers at each other, I'm filing complaints against the credit card companies and the agencies. I also applied for credit at other companies earlier this year. If I find my denial letters, I will be filing complaints against them too. I've tried talking to the credit agencies but they're impossible to get in touch with. I talk to one but then they tell me to follow up online and the link doesn't work. The other says call this number but it's voice mail only. I'm done. Now, either you handle this or I join one of the class action lawsuits out there. Below is the letter of denial I got from capital one. I got 2, one for a regular card, one for a secured card. So even though I haven't defaulted on anything for a decade and never on anything serious, I can't even get a secured card. That is why I am filing this complaint on Capital One and the agencies, as well as any other credit card companies I got denial letters on. So you'll see multiple complaints. I also attached denial letter from earlier in year from XXXX. I've applied to once or twice in past 12 months, also to XXXX. Also got denials, even after getting raise at my last job. Also, can't get credit from my bank of over a decade XXXX. Even college kids with no credit can get credit, people with horrible credit can get credit at high rates. Something is wrong.
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID : XXXX Creditor : Capital One Bank ( USA ), N.A.
Dear XXXX XXXX XXXX, Thank you for applying for a credit card issued by Capital One. Unfortunately, after reviewing your application and information obtained from your consumer credit report ( s ) from the agencies detailed on the back of this letter - we can not approve your request at this time.
The reason ( s ) for our decision are : Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, credit bureau information is missing or unavailable Based on your credit report from XXXX XXXX, there are too many delinquent past or present credit obligations If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above.
( Please note : we recommend you contact the credit agencies first to ensure they have accurately reported your information to us. Contact information is provided on the back of this letter. ) We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
XXXX FAIR CREDIT REPORTING ACT Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX INFORMATION ABOUT YOUR CREDIT SCORE We also requested your credit score to make our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. If you have questions about this specific credit score, please contact the consumer reporting agency at the address or telephone number provided.
Your Credit Score Missing or Invalid Date : XXXX Source : XXXX XXXX XXXX Understanding Your Credit Score The range of scores Scores range from a low of XXXX to a high of XXXX.
Key factors that adversely affected your credit score Score not available ; Insufficient or unknown credit history EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX.
-- -- XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ID XXXX XXXX Creditor : Capital One Bank ( USA ), N.A.
Dear XXXX XXXX XXXX, Thank you for applying for a Capital One Secured MasterCard. Unfortunately, after reviewing your application, we can not approve your request at this time. Please know that in the process of making this decision, your credit score was not impacted.
The reason ( s ) for our decision are : Based on your application information, there is a currently pending or recently processed application with Capital One If you feel we missed something or misread your information, then please write to us at XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX and include your Application ID number referenced above.
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.
Sincerely, Capital One Customer Care Team SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.
XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
XXXX EQUAL CREDIT OPPORTUNITY ACT The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX DC XXXX.
|
04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
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Capital one since XXXX reported to them that there was a problem. I am the victim not the criminal of a compromised account. I had three accounts Walmart card, capital one checking account all linked to capital one I shut them down, I did not provide or give any information including numbers or card. I applied for a job online these posers employers stated " background check '' I'm XXXX in XXXX XXXX three suitcase 's, it is unbearable to live or ability. I have SSI, minimum wage thinking apply for a second job thinking it would work with my difficult schedule with my first job to obtain a flexible job to work with my first. I submitted all proof, documents, calls, emails to capital one because these posers knowing my social security number, address, ID, name with their supposedly background check for a job did not Target my Walmart card with capital one or checking account they targeted my credit card with capital one, even showing capital one that my XXXX XXXX account was the only one, these employer posers hacked into my account, credit card, these sun trust, chase are not my accounts, because prior because including they were compromised, by scammers, cases started prior it is also physically impossible for me to have the technology or income with no bank relationships or the ability to have any extra income with 2-3 extra banks. I mentioned it is seriously impossible for me to afford any external accounts with my status as a XXXX, minimum wage, SSI, three suitcase 's, nowhere at the time to go or live in XXXX XXXX. I am the victim targeted by people who posed as employers who saw my situation as an advantage. With one active account, payments were regularly made with my only account XXXX XXXX which they had no problem taking payments from. Despite my pleas, reporting to credit bureaus including capital one, XXXX, XXXX, monitoring out of fear my identity, paying to lock my information, IC3.gov, government agencies, writing/typing letters because capital one said if I can type, print documents that would help my case. I really thought I had a job opportunity, would have a second flexible schedule, work for a high profile Because they reached out to me in XXXX XXXX they claimed they had job opportunities because they too worked for a high profile people making extra money. Thinking job, reimbursement sounds great. Capital one was so cold told me very harshly that I am wrong, criminal, fraudster is my crime for what applying for a job, XXXX with some serious low income, how high and expensive it is to live in XXXX XXXX so that's a crime, makes a criminal. Calls, going into capital one, setting up payments, Making payments, communication, doing my part think about all those notations, documents, calls pleading on a closed account. I can't get online to see my progress, they will not take my calls or emails. I asked how do you capital one help victims like me not their problem they said nothing to do with them, they continued to ignore my pleas erased my payment history which they said would never increase on a closed account. I am standing between posers who at the touch of a button are still to this trying to log in to my accounts, I receive alerts. Does capital one realize my situation I have gotten to the point of wanting to change my identity because I tried contacting authorities but no one cares that I am the victim, capital treats me like a criminal. I don't have the technology or capability or income to afford throwing my living situation situation even worse. How many.people become victims just like me in " XXXX '' situation and are targeted by these employer posers. How safe is anyone information when applying for online jobs. You don't exactly know how safe your identity or info is. Now of course to capital one I mentioned that I didn't want my XXXX situation to get worse I'll make payments because companies like capital were taking actions against me the victim of scammers who posed as employers targeting only my one account my credit card. I have no accounts to log in, no access, no credit card in my hands. Capital one disregarded my calls, erased my payment history. I am the cause of unknown deposits or two banks such as sun trust or chase. I'm in XXXX XXXX not located in a setting because these locations are physically impossible to travel no car, no access, I am carrying three heavy suitcases, working full time, plus XXXX status. Capital one does not care I set up payments because the fear is also what capital can do or affect my ability to apply or live, apply for things for survival but they don't care as far as the criminal they can continue taking payments from my XXXX XXXX account as they had done before ..sure they'll take payments in XXXX, set up payments as they had reassured the criminal me coldly they'll continue taking payments now mind this I'm thinking from XXXX to XXXX ( customer service over the phone since XXXX went from XXXX to going under 400, that they are investigating my situation, I sent in reports about my situation including typed letters with printed proof of these posers employers ) thinking that all this time ( no documents from capital, no acknowledge, no emails, no calls, I don't have online access to a closed account ) surprise guess who capital waits till XX/XX/XXXX almost a whole erase my payment history, the victim me who's being treated like a criminal by capital one they send me a link with no explanation to make a XXXX dollar payment. Wait how did an account that was closed in XXXX with payments that were being made me the victims closed account increase to XXXX. I don't have the credit card I don't any access to the account. So how did this increase take place with no access to a closed, they mentioned with payments being made to a closed no increase would take place??? They erased my payment history, now I owe additional, increased amount with no card, no activity, some link, I'm the victim what if by pressing this link when I don't trust anything online online now capital one waits ( thinking all this time they were taking out of my XXXX XXXX because it had already been set up by phone with capital one ) almost a year says set up payment with this link, pay increased amount of now XXXX???? Account was compromised by these posers for a few 100 under 400, now the victim me owes an increased amount amount almost a year later of XXXX??? Acknowledge that I am a victim, review my account capital, do not simply erase my history with a credit that had a limit of XXXX, wait almost a year, increase a new payment to XXXX, acknowledge my call history, notations, documents to show that I am a victim, a victim targeted for a few 100 that I had as credit on my credit. Acknowledge the fact that your capital one Representatives treated me XXXX XXXX like a criminal, despite all you have received you disregarded send me a link almost a year, disregarded my valid payments from my XXXX XXXX because you're going to hold me the victim of these employer posers/these scammers from these job/cons you're going to hold me responsible the victim responsible holding your company against so that I can not apply for certain, place a negative credit on my credit report overnight in XXXX because I did not want to pay an increased amount for a link with no access to my closed credit card capital one account, and a Capital one link with no ( I have been through as a victim who targeted not my other accounts with you no they targeted specifically out of three accounts my capital one credit card with their supposedly their " background check '' mind this once again address, my social security, ID only. No explanation to place my personal bank info or card and including an increased amount, disregarded my past payment history in XXXX. The worst fear is that a major company like capital holding me the victim of these posers against, they are placing permanent mark on my credit report, I can't do certain things or apply for things to survive or to help myself when an overnight negative mark. Does capital one realize the situation I am fleeing/running in fear of these posers/fraudsters I have fled places, jobs because of fear they have already shown up at my job, previous homes, at the touch of button they are still to this day using my personal info to hack, locate, my only accounts that I have remained. I am getting to the point of wanting to change my identity completely. I have already placed alerts, even paid certain companies to lock my identity from these posers search, tax identity, including reporting to police to protect my ID, reporting to authorities, that at a touch of a button I am still receiving notifications, alerts about '' person 's '' trying to obtain or logon to my accounts, I am constantly monitoring my own accounts, changing my passwords just with my social security, address, ID, phone these posers are targeting, why me??
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01/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
Capital One has closed my Credit card account due to Fraud Suspicions. To this date, I do not have a direct answer as to why my account was closed, but I do believe 3 returned payments are the cause. I strongly believe that there has been a technical issue with the Capital One mobile platform. I have attached a timeline of charges from XX/XX/XXXX - XX/XX/XXXX and have outlined which payments were manually made by me and which payments were processed by the mobile platform causing a return of payment. I have attached all of the notices I have recieved from Capital One and have detailed the actions I took to resolve the issue after each return of payment. It is my hope, with the assistance of the Consumer Financial Protection Bureau, to get a clear understanding as to WHY my account was closed for fraud and to have my credit account, and all reward points assoicated with the account re-opened.
Thank you in advanced for your time.
TIMELINE : On XX/XX/XXXX, I changed banking institutions from XXXX to Capital One Checking. I was already a Capital One Credit account holder and wanted to take advantage of a promotion Capital One was offering for new Checking Accounts. Once my Capital one Checking account was funded, it became my primary account to pay my Capital One Credit Card bill.
I make 2 payments a month to my Credit Card. I participate in AutoBill Pay once a month to make sure I don't miss payments, and I manually pay whatever extra I have left over at the end of each month.
1.On XX/XX/XXXX, I received an email from Capital One stating that my XX/XX/XXXX payment had been returned. This is an Auto Payment I have had set up with my past XXXX checking account that I forgot to cancel since I changed banks. I immediately stopped AutoPay from the XXXX Account and Set Up AutoPay with my new Capital One Checking Account. I immediately provided a manual payment from my new checking account following the notice of the return payment.
2.On XX/XX/XXXX, I received an email from Capital One Stating that my XX/XX/XXXX payment had been returned. This was a manual payment that I had made from my Capital One mobile app, and without realizing my old XXXX account was still tied to the Capital One mobile app. I contacted Capital One to see why payments were still being charged to my old account, and I was informed that I had to physically remove the XXXX account from the mobile App.The Customer Service Agent was very kind and understanding, I had not missed a billing payment, this was an additional payment. Just like the language on the email correspondence informed me that " Returned payments arent reflected in your balance and wont be applied to any remaining minimum payment you may have '' I removed the XXXX account from the Capital One mobile App on XX/XX/XXXX. I immediately provided a manual payment from my new checking account following the notice of the return payment.
3. On XX/XX/XXXX, I received yet another email from Capital One stating that my XX/XX/XXXX payment had been returned. This as well, was from the XXXX Account- the account that I physically removed from my mobile App on XX/XX/XXXX. This transaction also correlated to the 2 back to back declined credit card transactions on XX/XX/XXXX.
At this point, I decided to cancel AutoPay on my credit card entirely, I believe the mobile app was still wired to my XXXX Account, even though the XXXX account was removed on XX/XX/XXXX and the Autopay was cancelled on XX/XX/XXXX.
I received the confirmation of AutoPay termination on XX/XX/XXXX. I immediately provided a manual payment from my new checking account following the notice of the return payment.
4. On XX/XX/XXXX, I received an email from Capital One notifying me of a new document. I had not used my credit card since XX/XX/XXXX. This document, dated XX/XX/XXXX, stated : " We're closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' I immediately made a phone call to customer service to find out what was going on. My first question is simply " Why has my account been closed ". I am not provided with any reason, just the answer " This is our policy, there is nothing we can do ''.
I am immediately transferred to a Manager. Again, the only answer I receive is " Once an account is closed, there is nothing we can do " After 45 minutes explaining my case and explaining the issues I have been having since switching payment accounts, the Manager ( Number XXXX ) explains that any payment errors should be addressed with the banking institutions, and that Capital One Credit and Checking are 2 different companies. He informs me that I may be able to salvage my account and reward points if the bank is able to provide a letter stating there are technical issues with the checking accounts.
My next task is to contact both XXXX and Capital One Checking to see if I can find some answers.
XXXX. On XX/XX/XXXX, I contacted XXXX Banking. I explain my case - due to allegations of fraud, I have lost a Capital One credit account and all reward points associated. I asked the XXXX representative if there are any automatic payments still associated with this account, and her answer is that there have never been any AutoPayments through this account. Any AutoPayments are set up directly with the company being funded.
6. On XX/XX/XXXX, I contacted Capital One Checking. I explain my case - due to allegations of fraud, I have lost a Capital One credit account and all reward points associated. I truly believed that having a Checking and Credit account through the same institution would have benefits - that is clearly not true. I was informed that any payments made to Capital One Credit through a mobile device is in the hands of Capital One Credit.
I believe I have my answers.
I am confident that there has been a mistake, partially on my end from trusting the convenience of my mobile phone- but I committed to getting this issue resolved. I am going to gather all of my correspondence from Capital One Credit and present to them my proof that no fraud has taken place, this is a mobile app error.
7. On XX/XX/XXXX, I contacted the Capital One Credit Fraud division. They are shocked to hear that I want to dispute the fraud charges that have closed my account. I have all of my research, all of my dates and I am ready to find a solution. I ask directly to speak to a Manager, and for the final time, I hope to explain my case and find an understanding of why my account was closed.
Unfortunately, I am told the very same thing as a month ago. " Once your account has been closed, there is nothing that can be done. '' When I ask for a reason as to why the account has been closed, the answer " As stated on the back of your monthly bill, our policy gives us the discretion to close accounts at any time ".
I am forced to acknowledge that the account will never be reopened, but what about the reward points? The answer, " Once your account has been closed, there is nothing that can be done. '' Here I am on XX/XX/XXXX, feeling defeated, confused, and quite embarrassed. I believe the most frustrating part is the power that Capital One has to terminate an account without any notice. The involuntary closure of a credit account has serious financial consequence- if this is reported on my credit score, I will be spending years trying to catch up I still do not have a definite reason as to why my account was closed. I am speculating that it is due to the multiple returned payments- and if so, there is clear proof of intent to fix these returned payments as soon as I was notified.
If this was a missed payment instead of a returned payment, Capital One would be calling me, leaving voicemails and sending multiple letters. Instead, the returned payment notifications are emailed 5 days after the incident, and the language is very lenient. If I had known of any possibility that my account could be closed due to return payments, I would have never used a mobile app to pay, I would have called in or mailed a check.
Even when I called Capital One on XX/XX/XXXX, there wasn't the slightest concern from the employee that helped me.
I requested the terms and conditions of my Capital One Credit account, and it is attached. I have read through this policy multiple times, searching for any language that can justify the closure of my account. I completely understand that the language has to be vague to protect themselves from any issue that may arise, but there has to be accountability for any technology errors that happen on their end.
Fraud is defined as the " wrongful or criminal deception intended to result in financial or personal gain. '' In today 's world where everyone is just trying to get by, making a mistake on a mobile app should not be considered fraud.
|
07/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
THIS IS NOT DUPLICATE COMPLAINT!
RE : Capital One Bank discriminates against the protected class. Capital One Bank refuses to disclose conflict of interest that Your Mechanic is a member of the XXXX organization and Capital One Bank is a member of XXXX. Capital One Bank promote scams and retaliate against customers who exercise protected activity. Capital One Bank refuses to disclose dispute polices. Capital One Bank refuses to address my complaint and I am sending more evidence.
# Account ending in XXXX Capital One CID : XXXX Capital One CID : XXXX Capital One CID : XXXX OCC Complaint ID : XXXX CFPB Complaint ID : XXXX CFPB Complaint ID : XXXX I filed a dispute on XX/XX/2020 against a company called Your Mechanic with Capital One Bank - card dispute department for {$150.00}. Your Mechanic installs front brakes on a warped rotor. My car was squealing with loud noises, smell burning, and unsafe brakes. Capital One kept demanding me to go to another mechanic to receive my refunds of {$150.00}. I gave Capital One the inspection report from XXXX XXXX as requested ; it disclosed that my car brakes were making noise, driving unsafe, and burning smell due to Your Mechanic put new front brakes on a warped rotor.
Capital One dispute process became deceitful and dishonest with their practices as I began to question them. They began to be dishonest as they vigorously change the rules, they decided with Your Mechanic to return the funds of {$150.00}. I had shared with Capital One dispute department information from the XXXX XXXX XXXX ( XXXX ). I gave Capital one that Your Mechanic and I were in a complaint process with the XXXX XXXX XXXX. Your mechanic was fabricating and informing Capital One Bank- dispute department a different story and telling XXXX another story. I decided to disclose such information to Capital One Bank- card dispute department the communication between XXXX and Your Mechanic. Your Mechanic informs XXXX that they are getting the refund {$150.00} from Capital one bank as if Capital one bank and Your Mechanic were co-conspiring against me.
Your Mechanic also wrote to XXXX that they could not make any adjustments to their policies on return or honor the warranty because I had filed a complaint with Capital One Bank. XXXX closed my case as if Your Mechanic were acting in good faith. On the other hand, Your Mechanic sends Capital One Bank lies and false evidence trying to prevent me from receiving my refunds of {$150.00} as Your mechanic installs new front brakes on a warped front rotor. Then Your mechanic sends a fraudulent inspection report ( after I gave Capital one the inspection report requested from XXXX XXXX ). XXXX XXXX inspection clearly explains that Your Mechanic put a warped rotor on my car cause problems. Your Mechanic inspection report does indicate a warped rotor. Your mechanic inspection report was never given to me as I am a customer. Your Mechanic gave Capital one an inspection report after I gave my inspection to Capital one as requested, which is deceptive. That is the 1st time I ever have seen such a report from Your Mechanic through Capital one bank. Your Mechanic inspection report has fraudulent and doesnt have all information about my car which I can prove.
Then I received a phone call and an email from XXXX President XXXX XXXX where Your Mechanic headquarters is located to ensure me the return of a refund of {$150.00} ( see attached ) as I identify the scam. However, the next day, my bank Capital one card services close my dispute siding with Your Mechanic stating that their Mechanic evidence was not in error. Capital one bank began to change its policies as the card services XXXX and XXXX keep changing the rules. I was refused to dispute policies and information and Capital one dispute department became deceptive in their practices. Capital one bank dispute department became sarcastic and inform me to go back to the Merchant, Your Mechanic for a refund. As you read the next email from XXXX President stating from Your Mechanic after they get the refund from Capital one bank, they will return it back to me on XX/XX/2020 it is all a scam. Capital one bank dispute department is a part of the scam.
You will imagine that Capital one bank supposes to advocate for me as they have all my funds in their bank as I have credit cards under Capital One Bank and I am XXXX my XXXX check goes directly to the Capital one bank now I have to worry that they will allow scammers to steal from my account without any justification or Capital one change the rules without any notification again. Capital one bank send me letters soliciting 0that I apply for a car loan.
I have conducted an extra investigation and discovered Capital one is a member of the XXXX XXXX XXXX ( XXXX ) and Your Mechanic, also. This is a conspiracy. Therefore, Capital one must have already known that Your Mechanic was communicating with XXXX. As you are aware to be a XXXX member you must pay membership dues. Capital one bank is covering for Your Mechanic scam and for special interest and not for the interest on the behalf of their customers.
XXXX XXXX XXXX ( XXXX ) has been under investigation about their ratings according to XXXX XXXX investigation report. XXXX is giving both Capital one bank and Your Mechanic A+ ratings for membership fees. Both Capital one bank and Your Mechanic has a lot of negative reviews and complaints covered by XXXX. However, a report found that some businesses with high XXXX ratings were being investigated for fraud or other illegal behavior.
The XXXX uses its own accreditation standards, which are built on the XXXX Standards for Trust. These eight principles " summarize important elements of creating and maintaining trust in business. Being a XXXX-accredited business can cost companies more than {$10000.00} a year. Capital one bank is protecting Your Mechanic reputation to scam a customer for {$150.00}. XXXX has been investigated regarding their rating system with these businesses too.
In the email, Your Mechanic is telling XXXX President that they want to return my funds however telling Capital One Bank not to return my funds. Capital One Bank believes Your Mechanic false evidence and supposes to be advocating for me, my funds, and protecting me from scammers. Instead, Capital One Bank is dishonest and deceitful in their practices, they refuse to disclose their policies. I encourage do not waste your time filing a complaint with XXXX XXXX XXXX against Capital One Bank please file a complaint with the Department of Justice, Consumer Finance Protection Bureau, FBI, The Office of Comptroller Currency, and other agencies.
Capital One Bank policies and their dispute department are fraudulent because they are serving their self-interest, Your Mechanic, XXXX, and it all about Capital one self-interest- XXXX membership and not about the customers. Capital one bank failed to disclose that Your Mechanic is in the same member organization as Capital one bank is in which demonstrate biases in their decision making.
I want my money out because I do not trust Capital one bank when they can allow scammers to take customers ' money that way. Protected class customers beware, too. This is corruption at it best and I am going to expose Capital one bank and want every protected class member to know how this bank treats the vulnerable population. I am going to make XXXX business organizations aware of my experiences with Capital One Bank and Your Mechanic on every media outlet about these scams.
Capital one bank help scam {$150.00} from a member from a protected class and to harass me by sending various emails to get an inspection report. Your mechanic gave Capital one their inspection report and never gave a customer. Capital one bank kept changing rules, refuse to disclose policies, card dispute supervisors gave different rules and angry with each other, failure to disclose conflict of interest with Your Mechanic, and discriminated against me because I am under the protected class. Then help their fellow XXXX XXXX XXXX member such as Your Mechanic scam a customer I want to close all my accounts and move them to another bank, preferably black-owned bank as everyone is promoting as XXXX lives matter.
Please read the XXXX President emails to me from Your Mechanic about the return of my money after they get it from Capital one bank. Your Mechanic already knew that they were going to get the funds {$150.00} before the dispute was decided. We need to stop corruption! I am going to file a discrimination suit against Capital one bank.
CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of the Comptroller of the Currency Consumer Financial Protection Bureau Federal Trade Commission Federal Bureau of Commission Department of Justice
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12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Default and Opportunity to Cure Notice : Re : ACCT # XXXX Capital One Case : XXXX CFPB Case : XXXX Date : XX/XX/XXXX To Whom it May Concern : This is a response to Capital One, a financial institution, regarding a previous Consumer Financial Protection Bureau Complaint ( Case # XXXX ). Please be advised that my initial complaint that was filed on XX/XX/XXXX through the Consumer Financial Protection Bureau was not a verification or validation of the Consumer Transaction which will constitute a dispute. The initial complaint was a Cease and Desist Letter, which is not a basis to open a thirty ( 30 ) day dispute. I respectfully requested Capital Ones financial institution to Cease and Desist from sharing my non-public personal information to non-affiliated third parties per 15 USC 6801 and 15 USC 6802 also known as the Gramm-Leech Bliley Act. Furthermore, Capital One, decided to take it upon themselves to respond back regarding a different Capital One account on my consumer file that was not the account that has the complaint against. I sent a Cease and Desist Letter to Capital One for ACCT # XXXX. Capital One responded regarding ACCT # ending in XXXX which is unfair and partial hence I do not know the full account number since it is XXXX off on my consumer file. I firmly believe this is a stall tactic from Capital One to following through with my requests/demands. Capital One did respond to my Cease and Desist Letter, on XX/XX/XXXX, but failed to Cease and Desist the ACCT # XXXX and has also failed to show proper documentation for a clear and conspicuous opt out clause. It has come to my attention that Capital One, a financial institution, defaulted in my previous demands regarding a cease-and-desist letter to stop the unconsented sharing of my non-public personal information to non-affiliated third parties ( i.e., XXXX, XXXX, and XXXX XXXX regarding ACCT XXXX XXXX. It has also come to my attention from that same response, that Capital One has defaulted in providing the proper documentation that I requested of where it clearly and conspicuously gives an opt-out clause in their Customer Agreement per 15 USC 6802 , 15 USC 6803 and 15 USC 6809 . Since they responded, but not in the way they were suppose to, this is default. This is the notice of default letter. Capital One provided a brief response to my complaint as well as a Customer Agreement PDF, but that Consumer Agreement is not compliant with federals laws, including but not limited to, 15 USC 6801, 15 USC 6802, 15 USC 6803, and 15 USC 6809 ( Please see exhibit of Capital Ones Customer Agreement. ) Capital One has unlawfully made an unauthorized use of my non-public personal information without my verbal or written consent. However, I have already respectfully requested this financial institution to abide by the federal laws and to cease and desist from sharing such information. In the same complaint, I requested Capital One to disclose the documentation in their Customer Agreement showing Capital Ones opt-out clause for consumer reporting. However, Capital One Defaulted on my last complaint by not proving the requested documents and defaulted by continuing to share my non-public personal information without my consent. This financial institution is still fraudulently and unlawfully reporting on my consumer report, even after the Cease and Desist Letter. Capital One responded to my initial complaint on XX/XX/XXXX, that was filed on XX/XX/XXXX, with a statement that they are reporting accurately on my consumer report and how they disagree with federal law regarding my consumer privacy rights. As mentioned above, that complaint was not a verification and validation of reporting accurately it was a cease-and-desist letter that was not taken seriously. Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) since they are disregarding my rights to privacy. The FCRA clearly states under 15 USC 1681 Section 602 A. I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Capital One is also violating federal law since they have not complied with 15 USC 6802 ( B ) ( 1 ) or 15 USC 6803 ( A ) ( 1-3 ), for proper disclosures. Per 15 USC 6802 ( B ) ( 1 ) A financial institution may not disclose to a non-affiliated third party of any nonpublic information unless the financial institution provides or has provided to the consumer a notice that complies with 15 USC 6803. Per 15 USC 6803 ( A ) At the time of establishing a customer relationship with the consumer, and not less than annually during the continuation of such relationship, a financial institution, shall provide clear and conspicuous disclosure to such a consumer, in writing or in electronic form. Capital One is not compliant with federal law regarding 15 USC 6802 and 15 USC 6803. Per Capital Ones statement in their response on XX/XX/XXXX, to my complaint was you believe your right to privacy prevents us from reporting your account to the CRAs. Not only do I believe that, but it is federal law. Per 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Capital One never had permissible purpose. My rights to privacy have been violated by Capital One and Capital One believes their company policy and/or Customer Agreement trumps federal law. Capital Ones Customer Agreement is not compliant with 15 USC 6802 or 15 USC 6803. In addition to not being compliant, this Customer Agreement does not hold a signature of my name. Who said I agreed to their Customer Agreement/ Credit Reporting to begin with? I have already filed an FTC complaint on this matter as well as an Attorney General Complaint regarding the non-compliance to federal law. I demand this company to remove the above stated account from all consumer reporting agencies and all other non-affiliated third parties per federal law. This is my right to privacy. However, although Capital One has defaulted to my requests in a previous complaint, I am offering an opportunity to cure this situation. I will be attaching valid proof that this financial institution has violated my federally protected consumer rights as well as caused me harm and damages due to their unlawful consumer reporting practices. Capital One has also caused me mental anguish, distress, pain and suffering. I have been denied credit card applications, vehicle loans, additional lines of credit, and mortgages due to this company fraudulently reporting on my behalf without my verbal or written consent. I have endured years of pain and suffering from Capital One. Nevertheless, I hereby provide CAPITAL ONE, the opportunity to cure this matter by completing the following demands with validation/proof of completing these demands in writing within 10 days of receiving this notice : ( 1 ) Complete deletion of the or ACCT # XXXX from all consumer reporting agencies and all other non-affiliated third parties, according to federal law, ( 2 ) payment in full as per the attached invoice for all the violations committed under the FCRA along with all the pain suffering Ive endured , ( 3 ) and to respect my rights as a federally protected consumer. I demand the following list of items be completed in writing within 10 days of receiving this notice. This financial institution, CAPITAL ONE, failed to respond appropriately to my previous requests regarding sharing of my nonpublic personal information to non-affiliated third parties, which is direct infringement of my consumer rights per the FCRA. Attached will be my invoice of { {$5000.00} } to be paid in full for the violations along with the pain and suffering this institution has caused me. If this company ignores my requests, I will not hesitate to escalate this matter to a federal complaint. Please see the attached exhibits to verify my case : my invoice, my Federal Trade Commission Report ( FTC ) report regarding this account, all correspondence with Capital One, my initial CFPB complaint that was defaulted on that clearly shows my Cease-and-Desist Letter to Capital One, my initial CFPB complaint where it clearly shows my demands to see the the opt-out clause in Capital Ones agreement; valid proof that Capital One ACCT # XXXX is still fraudulently reporting on recent credit reports last dated XX/XX/XXXX ; and the Capital Ones Customer Agreement file that was sent to me as proof of consumer reporting that is clearly non-compliant with federal laws 15 USC 6801, 15 USC 6802 , 15 USC 6803, 15 USC 1681, and 15 USC 6809. If Capital One ignores this request for Opportunity to Cure, I will not hesitate to escalate this matter to a federal complaint.
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11/19/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX They are not licensed in XXXXXXXX XXXX XXXXXXXX XXXX I did not have any business no contract no paper bearing my signutre of such alleged claim of monies owed. I have bee trying to get this resolved unsuccessfully.
XXXXXXXX XXXX XXXX XXXX have not yet to prove nor support any document related to this matter of given any signature of documents, they unlawful bout this debt this debt from capital one bank as collection agent under XXXX XXXX XXXX and XXXX XXXX and it been years ... the last commutation I had with they quote by XXXX XXXX either you you pay us up or we can ruin your change of ever having credit again.
Authority. This part, known as Regulation F, is issued by the Bureau of Consumer Financial Protection pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the XXXX XXXX XXXX Reform and Consumer Protection Act ( Dodd-Frank Act ), 12 U.S.C. 5481 et seq. ; and paragraph ( b ) ( XXXX ) of section 104 of the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15 U.S.C. 7004.
( b ) Purpose. This part carries out the purposes of the FDCPA, which include eliminating abusive debt collection practices by debt collectors, ensuring that debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and promoting consistent State action to protect consumers against debt collection abuses. This part also prescribes requirements to ensure that certain features of debt collection are disclosed fully, accurately, and effectively to consumers in a manner that permits consumers to understand the costs, benefits, and risks associated with debt collection, in light of the facts and circumstances. Finally, this part imposes record retention requirements to enable the Bureau to administer and carry out the purposes of the FDCPA, the Dodd-Frank Act, and this part, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.
( c ) Coverage.
( 1 ) Except as provided in 1006.108 and appendix A of this part regarding applications for State exemptions from the FDCPA, this part applies to debt collectors, as defined in 1006.2 ( i ), other than a person excluded from coverage by section 1029 ( a ) of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Act ( 12 U.S.C. 5519 ( a ) ).
( 2 ) Section 1006.34 ( c ) ( 2 ) ( iii ) and ( c ) ( 3 ) ( iv ) applies to debt collectors only when they are collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ).
[ 85 FR 76887, Nov. 30, 2020, as amended at 86 FR 5853, Jan. 19, 2021 ] 1006.2 Definitions.
For purposes of this part, the following definitions apply : ( a ) Act or FDCPA means the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).
( b ) Attempt to communicate means any act to initiate a communication or other contact about a debt with any person through any medium, including by soliciting a response from such person. An attempt to communicate includes leaving a limited-content message, as defined in paragraph ( j ) of this section.
( c ) Bureau means the Bureau of Consumer Financial Protection.
( d ) Communicate or communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( e ) Consumer means any natural person, whether living or deceased, obligated or allegedly obligated to pay any debt. For purposes of 1006.6, the term consumer includes the persons described in 1006.6 ( a ).
( f ) Consumer financial product or service has the same meaning given to it in section 1002 ( 5 ) of the Dodd-Frank Act ( 12 U.S.C. 5481 ( 5 ) ).
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
( h ) Debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not the obligation has been reduced to judgment.
( i ) ( XXXX ) Debt collector means any person who uses any instrumentality of interstate commerce or mail in any business the principal purpose of which is the collection of debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due, to another. Notwithstanding paragraph ( i ) ( XXXX ) ( vi ) of this section, the term debt collector includes any creditor that, in the process of collecting its own debts, uses any name other than its own that would indicate that a third person is collecting or attempting to collect such debts. For purposes of 1006.22 ( e ), the term also includes any person who uses any instrumentality of interstate commerce or mail in any business the principal purpose of which is the enforcement of security interests.
( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditor 's name ; ( ii ) Any person while acting as a debt collector for another person if : ( A ) The person acting as a debt collector does so only for persons with whom the person acting as a debt collector is related by common ownership or affiliated by corporate control ; and ( B ) The principal business of the person acting as a debt collector is not the collection of debts ; ( iii ) Any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of the officer 's or employee 's official duties ; ( iv ) Any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( v ) Any nonprofit organization that, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in liquidating their debts by receiving payment from such consumers and distributing such amounts to creditors ; ( vi ) Any person collecting or attempting to collect any debt owed or due, or asserted to be owed or due to another, to the extent such debt collection activity : ( A ) Is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( B ) Concerns a debt that such person originated ; ( C ) Concerns a debt that was not in default at the time such person obtained it ; or ( D ) Concerns a debt that such person obtained as a secured party in a commercial credit transaction involving the creditor ; and ( vii ) A private entity, to the extent such private entity is operating a bad check enforcement program that complies with section 818 of the Act.
( j ) Limited-content message means a voicemail message for a consumer that includes all of the content described in paragraph ( j ) ( XXXX ) of this section, that may include any of the content described in paragraph ( j ) ( XXXX ) of this section, and that includes no other content.
( XXXX ) Required content. A limited-content message is a voicemail message for a consumer that includes : ( i ) A business name for the debt collector that does not indicate that the debt collector is in the debt collection business ; ( ii ) A request that the consumer reply to the message ; ( iii ) The name or names of one or more natural persons whom the consumer can contact to reply to the debt collector ; and ( iv ) A telephone number or numbers that the consumer can use to reply to the debt collector.
( 2 ) Optional content. In addition to the content described in paragraph ( j ) ( XXXX ) of this section, a limited-content message may include one or more of the following : ( i ) A salutation ; ( ii ) The date and time of the message; ( iii ) Suggested dates and times for the consumer to reply to the message; and ( iv ) A statement that if the consumer replies, the consumer may speak to any of the company 's representatives or associates.
( k ) Person includes natural persons, corporations, companies, associations, firms, partnerships, societies, and joint stock companies.
( l ) State means any State, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision of any of the foregoing.
[ XXXX FR XXXX, XXXX XXXX, XXXX, as amended at XXXX XXXX XXXX, XXXX XXXX, XXXX ]
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12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have sent letters with green return receipts to Capital One ( account number ending XXXX ) requesting my disclosures of their institutions privacy policy in regards to my rights that I have NEVER received. I have also called Capital One on XX/XX/XXXX, XX/XX/XXXX and the representative stated that there were XXXX late payments. XXXX on XXXX, XXXX on XXXX and XXXX on XXXX which were inaccurate and for the current year none. XX/XX/XXXX I spoke to XXXX and a supervisor by the name of XXXX, and on XX/XX/XXXX I spoke to XXXX XXXX. I have sent the letters to Capital One and requested my disclosures and that I did not want my personal information reported on no consumer reports which are third parties and NEVER GOT A RESPONSE. I was not given any forms with an option to opt out of my information being reported which is against the Law. I also disputed with Capital One that the dates were inaccurate on all my consumer reports. I have not got a notice from Capital One stating that these negative remarks were going to be placed on my consumer report which according to congress is unfair and abusive practices. I have also disputed with the consumer reporting agencies ( XXXX, XXXX AND XXXX ) 6 times this year to verify the account putting them on notice that the late payment information should be corrected and when they did not correct it I asked for it to be deleted off my consumer reports for inaccuracy AND that I did not give PERMISSION for them to report my personal information. According to congress I am supposed to receive these disclosures from Capital One giving me the option to opt out from having my personal information, experiences and any transactions being reported to third party agencies which I did not and do not give permission to do so. I am EXTREMELY exhausted disputing with the consumer agencies and Capital one reporting inaccurate, NONPUBLIC PERSONAL INFORMATION, TRANSACTIONS AND EXPERIENCES on my consumer report WITHOUT MY PERMISSION. Congress gives me the right to opt out. A FINANCIAL INSTITUTION may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. Congress also states that the information reported MUST BE ACCURATE. My rights have been violated under these sections listed below : 15 U. CODE 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S CODE 6801- PROTECTION OF NONPUBLIC INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S CODE 6803- DISCLOSURE OF INSTITUTION PRIVATE INFORMATION ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
15 U.S CODE 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S CODE 1681a- DEFINITIONS ; RULES OF CONSTRUCTION ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S CODE 1681b- PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
AND, 15 U.S CODE 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
15 U.S CODE 1681n- CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
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05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing in regards to a Credit Card Dispute with Capital One ( Visa ). My disputed charge is in regards to the Merchant : XXXX. The disputed transaction is regarding a vacation package ( 4 Roundtrip Airline Tickets + 2 All Inclusive Resort Rooms ) that I purchased from XXXX on XX/XX/2020 totaling {$5500.00}. The disputed amount is specifically related to the airfare, in which I was charged a total of {$1800.00}.
I filed a credit card dispute with Capital One based on the Fair Credit Billing Act and my inability to resolve the matter with the merchant after a good-faith effort. I purchased a service ( 4 Roundtrip Airline Tickets ) and that service was not provided ( canceled by the airline ).
Supporting documentation was mailed to Capital One on XX/XX/2020 and faxed on XX/XX/2020.
A letter was received in the mail from Capital One on XX/XX/2020 ( Dated XX/XX/2020 ) stating my case was closed as the merchant already credited my account. I called and uploaded documentation that same day ( XX/XX/2020 ) proving the refund issued on my account was related to a resort room that was booked under the same itinerary ( {$1800.00} was the refunded amount and was not related to the disputed amount for airfare of {$1800.00} ). The total package price was {$5500.00} and a full refund on the entire package was owed. To date, only {$3600.00} has been refunded of the {$5500.00} paid.
I called Capital One on XX/XX/2020 for a status update and to verify if any additional information was necessary to support by dispute. I was informed that the charges would stand and my case was closed. I requested to be transferred to a manager and spoke with XXXX at CapitalOne. He stated that refunds can not be forced and the merchant refused my refund. I understand the merchant refused my refund and that is precisely why I escalated my case via credit card dispute. I wanted to exercise my right as a consumer to utilize the protections laid out in Fair Credit Billing Act. I paid for a service that I did not receive.
I disagree with the results of the Capital One Investigation as supporting evidence was submitted ( multiple times ) to prove the services paid for were not received. I have not ( yet ) been provided with any documentation to support why I owe the money for services not received. To date, I have not received a refund from XXXX for the disputed airline-initiated canceled flights. During my phone call with XXXX today ( Manager at Capital One ), he indicated that XXXX provided an airline credit and my case was closed. An airline credit is not what I agreed to at the time of purchase and per my recent check on flight prices, I was unable to find 4 roundtrip tickets to the same destination at the price of my travel vouchers. Thus, I have not been provided with the services that I agreed to purchase from XXXX because even if I wanted to book future travel with the airline credit ( assuming XXXX remains in business ), I would be forced to spend more than what I originally agreed to pay for this service. The credit also stipulates that I must use XXXX and book travel to XXXX, which we no longer have a need for travel to XXXX because the event we were going for has ended. For these reasons, it is evident that I did not receive the service I paid for and I was offered a lesser item ( airline credit ), in which I would be forced to add money to utilize.
Also, I was informed that XXXX had 30 days to respond to my dispute with Capital One. It is my understanding that they responded after this timeframe and I was provided a very small window to provide any documentation since it had to be reviewed within 60 days of the date the dispute was initiated ( XX/XX/2020 ). The 60 day deadline is today, XX/XX/2020, and I do not feel that my documentation was thoroughly reviewed and I was not provided an adequate response on why I am not due a full refund.
The US Department of Transportation ( DOT ) dictates the rules for any airline with flights within the United States. DOTs leadership is provided by the Secretary of Transportation in all matters related to federal transportation programs. The Office of the Secretary oversees national transportation policy and promotes implementation of international transportation agreements and enforcing airline consumer protection regulations. The US Department of Transportation is the governing body over airlines and third party travel agencies.
Per the U.S. Department of Transportation, Flight Cancellations : If your flight is cancelled, you are entitled to a refund for the unused transportation even for non-refundable tickets. In recent weeks, the U.S. Department has issued additional statements as its been flooded with complaints of these credits or vouchers where full refunds are due.
On Friday XX/XX/2020 the U.S. Transportation Department ordered airlines to fully refund airfare to passengers whose flights have been canceled during the outbreak of Covid-19 and also stated The obligation of airlines to provide refunds, including the ticket price and any optional fees charged for services a passenger is unable to use, does not cease when the flight disruptions are outside of the carriers control. This served as a reminder to airlines ( Third Party Travel Companies ) that refunds are not negotiable and that COVID-19 is not an excuse for holding passengers money. A second warning was issued by The Department of Transportation just last week again, warning airlines/travel companies to provide refunds when airlines cancel flights.
Upon purchase of a ticket at XXXX, you are informed that XXXX follows all policies and guidelines set by the airline. Per XXXX policy : by purchasing an airline ticket, you agree to the terms of the Contract of Carrier ( airline policy ). Both XXXX XXXX and XXXX state they are compliant with DOT ( the governing body over the airline industry ), and indicates that refunds are allowable for flights canceled by the airline. Thus the original terms of agreement are in accordance with the U.S. Department of Transportation and again, points to the fact that a full refund is due on the flights cancelled by the airline.
I have been directed towards new Covid Policies ; These new policies do not change the policies that were in effect and agreed upon at the time of airline ticket purchase. Per the Contract of Carrier : Your travel is governed by the rules that were in effect on the date you purchased your ticket and Flight Delays/Cancellations : If there is a flight cancellation, diversion, or delay greater than 90 minutes, the airline will refund the unused portion of the ticket and unused ancillary fees in the original form of payment in accordance with Rule 22. The Contract of Carrier Rule 19 deals with Flight Cancellations/Delays and Rule 22 outlines Payment Refunds. Rule 22 states : Involuntary Refunds : If a refund is required because of XXXX failure to operate as scheduled, the following refund will be made to you : 1. ) if no portion of the ticket has been used, the refund will be in the amount equal to the fare paid.
My dispute with Capital One ( XXXX ) was based on the simple fact that the XXXX failed to provide the service I paid for, which violates the Fair Credit Billing Act ( FCBA ). The FCBA says you can not be charged for a product/service that you didnt receive or for a product that you did not agree to buy. I have not agreed to accept different compensation/credit for the flights purchased as anything less than a full refund is unacceptable and the issued credit will not even cover 4 roundtrip tickets at the current listed prices.
The relationship between a consumer and a travel service provider is a contractual one. The consumer has to pay and the merchant has to deliver the agreed/advertised services. XXXX failed to abide by the terms and conditions agreed to as the service ( flights ) were cancelled by the airline and no appropriate substitutions were offered.
To summarize, XXXX has refused to honor my request for a full refund in the amount of {$1800.00}. A failure to honor this request is a violation of Consumer Protections laid out by The U.S. Department of Transportation, a violation of the terms I agreed to upon purchasing airline tickets on the XXXX website ( agreed to follow the Contract of Carrier, U.S. Department of Transporation Rules and Regulations ), and a violation of the Fair Credit Billing Act. Consumer rights : if the airline makes the changes ( cancellation ), you are due a refund. I am due a full refund from XXXX as evidenced by the cited policies and governmental regulations and Capital One has failed to provide sufficient documentation that my disputed case ( XXXX ) was actually reviewed or why they feel the charges are substantiated.
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12/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC Online Dispute Processing DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
VALIDATE TIMELINE LEGITIMACY OF EACH ACCOUNT POR REMOVE PERMSANENTLY!
XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) CAPITAL ONE BANK USA NA ACCOUNT # XXXX ( DELETE ACCOUNT ) CAPITAL ONE BANK USA NA ACCOUNT # XXXX ( DELETE ACCOUNT ) CAPITAL ONE BANK USA NA ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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03/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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Capitol One sent me dozens of invitations to apply for credit with them, and as a XXXX XXXX XXXX, in late XX/XX/XXXX I accepted two invitations : a small personal card with {$300.00} credit limit ( XXXX XXXX ), when warnings of the XXXX XXXX XXXX first started here ( XXXX / XXXX ), and a second small business card, XXXX XXXX, {$500.00} credit limit ), in XXXX, first month of the XXXX.
Capitol One advertised on their website and promised to consumers over the phone - and I called them several times, XX/XX/XXXX and then XX/XX/XXXX andXX/XX/XXXX ; and identified myself as an impacted XXXX XXXX XXXX XXXX - that for impacted XXXX XXXX that : 1 ) XXXX would not charge or access any late fees or charges and would defer payment due until after the XXXX ( it was generally assumed this would follow the legislation introduced by Sen. XXXX XXXX XXXX, requiring banks and lenders to not access any penalties and to avoid adverse reporting for the months of the XXXX and for " one month after the end date of the XXXX. '' This would equate to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
2 ) That the bank would not issue any adverse / negative credit reports for impacted XXXX XXXX. I was an impacted XXXX XXXX. From my first conversation with Cap One, their call center PROMISED me they would APPLY THIS 'DOCTRINE ' OR INSTITUTIONAL PROMISE, AS PUBLICLY ADVERTISED ON THE HOME PAGE OF THEIR ENTIRE WEBSITE, FOR BOTH CARDS. THEY IDENTIFIED BOTH THE CARDS AND SAID AT LEAST TWICE, IN XX/XX/XXXX, NOT TO WORRY. THEY WOULD NOT APPLY CHARGES OR LATE FEES, I WOULD HAVE NO PAYMENT DUE UNTIL AFTER XXXX AND THEY WOULD NOT ISSUE ADVERSE CREDIT REPORT.
____ In earlyXX/XX/XXXX I applied for a car loan, to lower payments. I was amazed to discover that Cap One had DROPPED MY CREDIT RATING BY ALMOST 300 PTS!
They had NOT complied with their promises. They had almost DOUBLED the amount due on both cards, from FEES AND LATE CHARGES - ursury interest, illegal? - and they had made so many inquiries and adverse credit reports in TWO MONTHS, BEG IN XX/XX/XXXX, THAT MY CREDIT SCORE HAD DROPPED ALMOST 300 PTS FROM 'good ' or 'above average ' to very poor. That kept me from acceptable terms on any car loan, so that I could not purchase a car under extremely low or 0 % interest ( XXXX XXXX ) sales - I would have substituted my current $ 650+ payment for $ XXXX monthly payments, had not Capitol One either LIED or NOT ADHERED TO ITS REPEATED PROMISES TO ME. THESE PROMISES WERE MADE VERBALLY, AND WERE ADVERTISED ON THE CAP ONE WEBSITE.
XXXX Inability to reach Capitol One leadership to seek remedy, and comparison to another card : I never use credit, as a single mother, XXXX XXXX. And it has been extremely difficult rebuilding credit after a ) a horrible divorce and an ex-spouse who fraudulently applied for tens of thousands of dollars of credit in my name, using my stolen ids, including HOME EQUITY LOANS IN XXXX, REPEATED CAR LOANS, RETAIL ACCOUNTS - all items after our divorce, or without my knowledge, and which I never authorized. I can not imagine anyone being granted a HOME EQUITY LOAN for a state where I was not even living. The other difficulty and a noted reason - under US federal law - for ensuring stricter individual privacy and protection by banks or other public institutions - I have a XXXX-XXXX XXXX child, and significant XXXX XXXX endured and XXXX and XXXX, and injuries including two XXXX XXXX, several horrible XXXX, referencing both my XXXX child - who is a XXXX/XXXX registered case, many times ; a registered case with XXXX XXXX Police ; a registered case with the XXXX XXXX XXXX in XXXX ; and a registered case with the XXXX XXXX XXXX - my son and I hold JOINT XXXX - XXXX CITIZENSHIP. AND XXXX GRANTS EVEN STRONGER PRIVACY AND VICTIM RIGHTS THEN THE XXXX ; BUT UNDER BOTH NATIONS MY CHILD AND I ARE PROTECTED FROM UNDUE OR UNNECESSARY CREDIT REPORTING, FINANCIAL INQUIRIES, XXXX, XXXX, XXXX, PRIVACY VIOLATION AND ANY OTHER OFFICIAL OR FINANCIAL OR EMPLOYER OR GOVT ACTIVITY THAT JEOPARDIZES OUR PRIVACY, EXPOSES OUR PHYSICAL ADDRESS OR PUTS OUR LIVES IN DANGER.
But everytime I turn around, this one bank is writing, calling, sometimes 12 or more times a week, and finally I got tired of repeating the same story to them. I have contacted them via XXXX XXXX, via in-person visits to local Cap One banks in XXXX, where their HQ is located - I am not allowed to enter their HQ without appointment, it is guarded ; but I spoke directly, twice, with the Cap One branch in the public lobby attached to the HQ. And that female banker and said she remembered XXXX XXXX advertising on its home page that it would honor these terms for XXXX XXXX XXXX. I tried emailing to the CEO and Exec Team of Cap One - I have tried everything I can think of for 6 weeks now. Because the credit rating harms me financially - for housing, mortgage loans if I apply in the near future, as I had intended to, auto loans, any XXXX XXXX XXXX, etc.
In contrast, the only other credit card I have ever taken out - from XXXX XXXX, did the same thing. I called them - it took ONE CALL - and they immediately apologized and reversed all late fees and rescinded adverse reporting to the credit bureaus. They are in XXXX. Few XXXX XXXX XXXX there. But a nice bank apparently. CAP ONE IS JUST ACROSS THE RIVER FROM DC, A FEW BLOCKS FROM SEN XXXX XXXX OFFICE, AND SEN XXXX WAS THE CHIEF SPONSOR OF XXXX XXXX LEGISLATION ; CAP ONE MAKES IT LIVING PRIMARILY FROM FEDERAL GOVT EMPLOYEES AND AGENCIES ... AND IT DID NOT HONOR ITS ADVERTISED SHUTDOWN TERMS.
Today I got yet another warning notice from Cap One.
PLEASE INTERVENE AND MAKE THEM HONOR THEIR TERMS : 1 ) IT IS FRAUD FOR A BANK TO ADVERTISE ONE THING, OR TELL A CONSUMER ONE THING, AND THEN TO DO ANOTHER THING.
2 ) THEY MADE CERTAIN PROMISES TO THE XXXX XXXX - TO TAKE CARE OF XXXX XXXX ( AND XXXX DEFINED THAT AS BOTH XXXX AND XXXX ) - SO THAT THEY WOULD 'LOOK GOOD ' TO LOCAL CONSUMERS AND THE NEARBY FEDERAL GOVERNMENT OR THE FEDERAL AGENCIES ALL AROUND THEIR HQ. AND ATTRACT OR KEEP BUSINESS. SO THEY LEVERAGED OR USED THE HARDSHIP AND OUR SUFFERING, TO MAKE THEMSELVES 'LOOK GOOD, ' FOR THEIR OWN PROFIT, BUT THEN, DID NOT DELIVER ON THEIR ACTUAL ADVERTISED PROMISES, AT LEAST IN MY CASE.
CAPITOL ONE EXPLOITED THE XXXX FOR PROFIT BUT DID NOT HONOR THEIR TERMS AND IN ACTUALITY LIED TO US AND TREATED US IN VERY HARMFUL MANNER. AFTER HAVING NO PAY FOR 2 TO 3 MONTHS ( XXXX, XXXX ) AND HAVING TO 'START OVER ' IN MANY CASES, LIKE MINE, TO FIND NEW WORK - and on top of the XXXX I also am adversely impacted by XXXX XXXX and XXXX related to my son 's XXXX, locals not wanting XXXX inquiry to proceed, and at least twice this month ( XXXX ), stalking me into new client sites and repeating threats related to my child 's XXXX, and then the work dries up or is cancelled or there is suddenly no funding ; so horrible crime victim retaliation also here - DROPPING SOMEONE'S CREDIT RATING BY 300 PTS (! ) AND DOUBLING THEIR CHARGES (! ) MERELY FROM URSURY INTEREST, IS DEADLY. I did not not accept a $ XXXX card offer ; I did not want that much debt : I took only {$800.00} in debt from Cap One - what I typically would earn in 1 day ; what I was scheduled to be earning in 1 day, before the XXXX. Now, still on very limited earnings, Cap One has doubled my debt - and I believe this is not just unfair but illegal and is fraud - and also removed my ability to lower bills by damaging my prior good credit standing. CAP ONE HAS EASILY COST ME MORE THAN THE $ XXXX they now say I owe, one card alone, in the 'opportunity cost ' of missing the extremely low car loans I otherwise would have qualified for. I AM NOW PAYING $ XXXX/MONTH MORE FOR MY VEHICLE THAN I WOULD BE HAD CAP ONE NOT MISLED AND BEEN FRAUDULENT AND NOT APOLOGIZED OR REMEDIED ONCE THIS WAS BROUGHT TO THEIR ATTENTION. BEGINNNING IN XXXX.
I NEED TO ALSO MOVE FROM A CONTAMINATED RESIDENCE- THE WATER IS NOT POTABLE AND STATE HEALTH DEPT, EPA , AND MY OWN DOCTOR ( XXXX ) HAVE SAID THE WATER, CO2 OFF-GASSING AND OTHER CONDITIONS HERE ARE DEADLY ; BUT DUE TO CAP ONE 'S DAMAGE TO MY CREDIT REPORT, I CAN NOT GET INTO AN APT WITH JUST THE FIRST MONTH BUT WILL LIKELY HAVE TO PAY DEPOSIT ALSO - IN OUR AREA, THAT'S ANOTHER $ XXXX. AFTER A XXXX. SO CAP ONE IS PREVENTING ME FROM MOVING INTO AN APT AS I DON'T HAVE A SPARE $ XXXX. OR EVEN $ XXXX. AND I HAVE CONCURRENT MEDICAL BILLS DUE TO THE DAMAGE SUFFERED AT MY CONTAMINATED HOME.
SO CAP ONE IS IMPACTING ME ACROSS MANY LIFE-CRITICAL ARENAS.
AND IF YOU ARE A XXXX VICTIM, XXXX OR NOT, YOU LIVE UNDER A CONSTANT LEVEL OF RISK AND STRESS THAT MAKES PRIVATE, AFFORDABLE HOUSING AND SAFE HOUSING AND SAFE TRANSPORT CRITICAL. OR YOU ARE XXXX, TOO.
Sincerely,
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06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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FRAUD WAS COMMITTED ON 4 MAJOR CREDIT CARDS AT VARIOUS STAGES. XXXX XXXX AND CAPITAL ONE WERE ALERTED AS SOON AS THE FRAUD WAS PERFORMED, THEY WERE GIVEN COPIES OF THE XXXX COUNTY SHERIFF 'S OFFICE [ XXXX ] REPORT AND THE XXXX ECONOMIC CRIME 'S DIVISION DETECTIVES REPORT.
THE DEPUTIES AND DETECTIVES TRIED COMMUNICATING WITH XXXX AND CAPITAL ONE, WE DO NOT UNDERSTAND WHAT THEY ARE SAYING. FRAUD DIVISION KEPT TELLING THE SERGEANT " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' ( XXXX ) AND WITH CAPITAL ONE THEY JUST STATED " XXXX XXXX XXXX ALERTED US OF FRAUDULENT TRANSACTION PERFORMED ON CREDIT CARD '' THE DETECTIVE DID ASK WHERE AND WHEN. HE DID FIND IT VERY STRANGE THEY WERE ALL ( ALL 4 OF THEM ) WERE DONE AT THE SAME TIME AND SPENT ALMOST IMMEDIATELY?
BUT BOTH XXXX FRAUD AND CAPITAL ONE FRAUD DIVISION WOULD NOT STATE WHAT THOSE ITEMS WERE. EVEN WHEN THE SERGENT BARKED AT THEM AND SAID " SHE'S STANDING HERE IN FRONT OF ME, I WILL PLACE AN ARREST ON HER SINCE YOU'RE ACCUSING HER. NAME ME THE ITEMS THAT WAS SUPPOSEDLY STOLEN WITH 'HOT MONEY '. '' MY ELDERLY MOTHER OVERHEARD THIS XXXX FRAUD GUY, SOUNDING YOUNG JUST TOLD THE SHERIFF 'S THAT " PURCHASED A 60 '' WALL MOUNT SMART TV, XXXX, XXXX XXXX '' BEFORE SOMEONE IN BACKGROUND TOLD HIM TO SHUT UP.
[ YES, THERE'S A PROBLEM WITH THAT. XXXX/XXXX AND I DO NOT GET ALONG, WE DO NOT SEE EYE-TO-EYE, I AM A CERTIFIED ( RETIRED ) PLATINUM XXXX. AND THEY KNOW EXACTLY WHAT I HAD ON ME AND IN MY PROPERTY. ] SERGENT ( INTERRUPTED ) WHERE WERE THEY PURCHASED? WHAT STORE? I WANT TO SEE THE VIDEO. '' XXXX FRAUD DIVISION : " ONLINE. '' THE DETECTIVE CHEWED HIM OUT, TOLD HIM TO FAX THE LIST OVER TO HIM AND ALSO SPECIFY WHERE ITEMS WERE SHIPPED TO.
XXXX FRAUD TEAM SAID " ITEMS WERE SHIPPED AND DELIVERED TO XXXX, TEXAS, WHERE " HER SECOND RESIDENCY '' WAS LOCATED. '' FROM THERE, BOTH SERGENT AND DETECTIVE WERE YELLING AT THEM. REMINDED THEM THAT THE FRAUD WAS ALREADY REPORTED. SO WHY DIDN'T YOU WORK WITH THE CUSTOMER TO FIX THE PROBLEM? INSTEAD, YOU THREW HER OFF WITH NO KNOWN HISTORY SINCE XXXX OR SOMETHING LIKE THAT? THEN HARASS HER FOR PAYMENTS FOR ITEMS SHE DIDN'T BUY OR EVEN HAVE IN HER POSSESSION? PLEASE ADVISE ONE MORE TIME THE SPECIFIC REASON WHY YOU SHUT HER DOWN COMPLETELY?
( CAPITAL ONE HAD DISCONNECTED THE CALL, HOWEVER, XXXX XXXX REMAINED ON THE LINE ) HE WAS TOLD " IF YOU WANT FURTHER INFORMATION, PLEASE PROVIDE US A WARRANT. '' THEN THE DETECTIVE CAME UP AND SAID " WHY DID YOU SHUT HER DOWN AT THE LOCAL BANK FOR? '' MY MOTHER HEARD IT, THREE DEPUTIES ( ONE BEING A SERGENT ) HEARD IT, THE DETECTIVE HEARD IT, MY 2 NEIGHBORS HEARD IT - I DIDN'T HEAR IT BECAUSE I AM PROFOUNDLY DEAF.
XXXX FRAUD DIVISION ( WHICH HE GOT TERMINATED ) " BECAUSE SHE'S A XXXX, A XXXX XXXX, LIVING OFF OF WELFARE AND USING AN ELDERLY WOMAN TO DEPOSIT LARGE SUMS OF MONEY INTO HER ACCOUNT. '' DETECTIVE DID ASK " SHE'S A XXXX XXXX, SHE'S NOT XXXX, HER MOTHER IS AMERICAN AND IS XXXX. ARE YOU SURE YOU ARE TALKING ABOUT THE SAME PERSON? HAVE YOU EVER SPOKEN WITH HER? AND PLEASE ADVISE WHAT LARGE SUM OF MONIES CONCERN YOU? '' XXXX FRAUD DIVISION ( SAME FELLOW ) " SHE HAS AN ELDERLY WOMAN PUTTING ONE THOUS IN HER ACCOUNT '' DETECTIVE " SO? IS IT EVERY DAY? ONCE A WEEK? WHAT? '' XXXX FRAUD DIVISION : " ONE THOUS EVERY MONTH. SHE'S SCAMMING OLD PEOPLE. '' DETECTIVE : " NO SHE IS NOT. '' XXXX FRAUD DIVISION : " YES SHE IS, AND I CAN PROVE IT. I WILL PROVIDE ONCE YOU REQUEST IT, WHO THAT OLD GOAT IS! '' DETECTIVE : " HER MOTHER, SHE IS STANDING RIGHT IN FRONT OF ME. SHE ALREADY TOLD ME SEVERAL TIMES IN THE PAST, THE ESTATE OF HER DECEASED FATHER, BOTH DAUGHTERS GET XXXX XXXX A MONTH. IT IS NONE OF YOUR BUSINESS ANYWAY. '' XXXX FRAUD DIVISION " ( PROFANITIES ) '' AND DISCONNECTED THE LINE.
IT WAS ALREADY REPORTED AND DOCUMENTED, I HAD ALREADY PROVIDED THEM THE POLICE REPORT FOR EACH 3 XXXX CREDIT CARD AND 1 CAPITAL ONE CREDIT CARD.
XXXX XXXX AND CAPITAL ONE WILL NOT SPEAK WITH ME. THE INCIDENT HAPPENED IN XXXX. I WAS PAYING THE BALANCE I ACTUALLY OWED BASED ON THE LAST STATEMENT I HAD ; THEY WOULD NOT REMOVE THE FRAUDULENT CHARGES.
THE DETECTIVE FOLLOWED UP WITH XXXX IN XXXX, AND HE TOLD ME TO STOP PAYING THEM.
WITH CAPITAL ONE, THEY KEPT PROMISING TO RESTORE MY ACCOUNT, PUT MY STATEMENT AS IT WERE PRIOR TO THE FRAUD EVENT. I AM CURRENTLY STILL PAYING CAPITAL ONE BUT THEY HAVE NOT REMOVED THE FRAUDULENT TRANSACTION NOR HAD THEY EVEN BOTHERED WITH RESTORATION OF THE ACCOUNT.
BY RESTORATION : MOVE THE ORIGINAL BALANCE PRIOR TO THE EVENT TO ANOTHER NEW MASTERCARD.
BOTH XXXX AND CAPITAL ONE REPETITIOUSLY ON A KNOWN FRAUDULENT CASE, DID INCREASE MONIES, DID INCREASE FEES, DID INCREASE INTEREST, AND WITH THREATS OF " CONTINUE TO DO SO TO HARM A VICTIM 'S CREDIT '' WITH A KNOWN REPORTED AND DOCUMENTED FRAUD EVENT.
WHILE I HAVE RELATIVES AND FAMILY MEMBERS IN XXXX XXXX ( RETIRED ). THEY ARE UNABLE TO DECIPHER WHAT " '' '' ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' '' '' WAS SUPPOSED TO MEAN. THE DETECTIVES ARE CLUELESS, I'VE PERSONALLY SPOKEN TO BRANCH AND BANK CEOS FROM VARIOUS FINANCIAL INDUSTRIES, AND NOT ONE SINGLE PERSON COULD EVEN UNDERSTAND WHAT THAT IS SUPPOSED TO MEAN.
THE FACT XXXX THEMSELVES SHUT MY PERSONAL BANKING ACCOUNT DOWN IMMEDIATELY, DID CAUSE ME HARM AS MY SOCIAL SECURITY WAS DIRECT DEPOSIT. AND THEY DID REFUSE TO PAY BILLS THAT WERE PAID ELECTRONICALLY. INSTEAD, GAVE ME MONEY ( CASH ) FROM THE TIME THEY DID SHUT DOWN. I JUST WENT TO XXXX XXXX SINCE I'VE HAD THEM FOR YEARS - THEY KNEW WHAT WAS GOING ON BETWEEN XXXX AND CAPITAL ONE. QUITE FRANKLY, WAS EXTREMELY EMBARRASSED BY THEIR COMPETITOR 'S BEHAVIOR. THERE WERE NO EXCUSE FOR THIS.
AFFIRMATIVE, XXXX XXXX KNOWS ALL ABOUT THIS ABOVE AND THEY, THEMSELVES HAVE NO IDEA WHAT : " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' WAS SUPPOSED TO MEAN EITHER. IN FACT, HE HAD SUMMONED THE CORPORATE OFFICE TO GET THEIR LEGAL TEAM TO ADVISE, AND AA FEW DAYS LATER, THEY RESPONDED WITH " TECHNICAL GIBBERISH, TRYING TO BE A HOT SHOT WITH FANCIFUL WORDS. '' BASICALLY, XXXX FRAUD TEAM WAS RUNNING OFF THEIR MOUTHS WITH NONSENSE.
ONCE AGAIN : XXXX WILL NOT SPEAK WITH ME.
CAPITAL ONE AS OF XXXX, WILL NO LONGER SPEAK WITH ME I AM NOT ALLOWED TO BE ON ANY XXXX OWNED PROPERTY THAT CONTAINS XXXX XXXX - THEIR FRAUD TEAM ISSUED THE WARNING AND WOULD PROVIDE ALL XXXX XXXX MY FACIAL TRACING THAT I WOULD BE XXXX IMMEDIATELY IF FOUND AT ANY OF THEIR BRANCHES.
IN FACT, THE SHERIFF 'S OFFICE WERE IN A DISTANCE JUST TO SEE IF XXXX WOULD HOLD THEIR WORD BECAUSE THEY SHUT MY CHECKING ACCOUNT DOWN INSTANTLY AND THEY HAD TO PAY ME. THE LOCAL BRANCH MANAGER WAS SO ANGRY ( SHE ORIGINALLY CAME FROM ANOTHER BANK THAT WHERE I HANDLED THE LOCAL CHURCH 'S FINANCES AND WAS A DESIGNATED AUTHORIZED PERSONNEL ( NOT A GUARDIAN ) FOR SOME ELDERLY FOLKS TO HANDLE SOME OF THEIR AFFAIRS. ) THAT SHE REFUSED TO EVEN CALL THE LOCAL AUTHORITIES TO HAVE A " TRESPASS '' WARNING ISSUED AGAINST ME, SHE ALSO LEFT THE BANK AS WELL IN PURE DISGUST. SHE WAS AT LOSS FOR WORDS THAT XXXX FRAUD TEAM WOULD GO THROUGH THAT EXTREME MEASURES AND FELT TERRIBLE THAT THEY CALLED MY MOM AND OLD GOAT.
SHE WAS THAT ANGRY WHERE SHE CALLED HER SUPERIORS TO LET THEM HAVE IT ; ONLY TO FIND OUT THAT 4 OF THOSE BOYS IN THEIR FRAUD DIVISION WERE ALREADY TERMINATED ( THAT WAS ONE WEEK BEFORE SHE LEFT ).
ODDLY, I DO NOT HAVE A SECOND HOME AND NEVER BEEN TO TEXAS. I AM NOT XXXX, I AM XXXX XXXX, I AM XXXX XXXX / XXXX EMPLOYEE.
LL 4 HAD MARKED ME OFF AS CHARGE OFF FRAUD WAS ALREADY DOCUMENTED, RECORDED, AND BOTH XXXX AND CAPITAL ONE HAS ALREADY RECEIVED 3 COPIES OF THE POLICE AND ECONOMIC CRIMES REPORTS MAILED OUT THREE DIFFERENT TIMES.
BOTH XXXX AND CAPITAL ONE HAD DENIED AND MADE IT CLEAR ALL CHARGES REMAINS.
THE CSID - ID THEFT RESTORATION AND OPM HAD MADE MULTIPLE ATTEMPTS TO RESOLVE THIS ( XXXX, XXXX, XXXX ) WITHOUT ANY AVAIL. EVEN PROVISIONS OF THE DOCUMENTED POLICE & ECONOMIC CRIMES REPORTS.
BOTH WERE UNWILLING TO WORK WITH THE VICTIM. BOTH REFUSES TO HONOR A FEDERAL RELAY ( TELEPHONE ) CALL. AS OF XXXX ( XXXX ), BOTH BANKS REFUSES TO ACCEPT ANY USPS MAIL COMMUNICATIONS.
BOTH BANKS HAD ALREADY MADE IT CLEAR : THEY WILL NOT HELP A VICTIM OF FRAUD. WHILE CAPITAL ONE DID AT ONE POINT, WAS WILLING TO REOPEN AND TRANSFER BALANCE OVER TO A NEW MASTER CARD AND ALL THAT HAD OCCURRED DURING THE FRAUD WOULD BE ELIMINATED. AND IN XXXX, THEY REFUSED TO ASSIST CUSTOMER AT ALL WITH THE SAME IMPLICATIONS THAT OF XXXX.
|
01/27/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
Back on XX/XX/XXXX, I ordered the XXXX XXXX XXXX XXXX XXXX. The costs : {$2600.00}, order # XXXX, Capital One XXXX # XXXX. The order number is the same throughout this entire process. I paid off the console ( {$2600.00} in XXXX ). The product was delivered in either XX/XX/XXXX or XX/XX/XXXX. Upon initial delivery, the product was damaged. NM repair person came out to see if it could be repaired. It could not, and the item was scheduled for return. I love the piece and for this reason, instead of returning and getting a full refund, I chose to have the console replaced. NM has been good with working w/me to replace this piece. The pandemic hit and deliveries were halted.
The way NM does its checks and balances hurt the consumer. I am not complaining about the exchanges. My complaint is about how the charges are applied. This charge increases my amount owed. I am working to keep my spending under 23 %. With this back/forth, my spending goes over that percentage amount, costing me in credit points.
Fast forward, my account stayed in a credit balance for the {$2600.00} for a long time ( due to the pandemic shutdown ). Neiman Marcus ended up mailing me a check for {$1100.00} which was deposited into my XXXX account on XX/XX/XXXX. The reason I did not receive the entire {$2600.00} is because I spent {$1400.00} of the credit. This exchange was noted as a Change to Order, and it did not appear to impact my credit.
The consoled was exchanged out again because of the discoloration. The item was more silver and not the silver and gold I originally ordered. I was fine with the replacement. In XXXX, I noticed lifting and air bubbles on the top and sides of the console. Because I still love the piece, I still wanted it exchanged. XX/XX/XXXX, the replacement console was delivered. As the delivery guys unwrapped to get the console on the elevator, they observed a broken shelf, a wooden piece detached ( never could figure out where that piece came from ), and obvious dents/scratches. They too were shocked and surprised at what they saw. They called me down to view and stated, we know you are not taking delivery. They were correctI did not take delivery. These guys have been my delivery people for two of the deliveries ( 1st and last ). I asked them to come and see why the console is being replaced. Again, they were shocked. They took pictures of the one in my unit and the replacement unit. The delivery guys said XX/XX/XXXX, the replacement console was scheduled. XXXX XXXX stated the warehouse has a replacement which requires the shelf to be fixed and that someone from NM repair shop can come and fix. I asked her if it was the same one they tried delivering back in XXXX because that one had a broken shelf as well, and whether they have two consoles with damaged shelves? I also stated to her ( in emails ) that I believe the company is trying to send me the same piece again and can she verify that there were two consoles needing the shelf fixed. She really couldnt and after speaking with her further she understood my point; canceled the order, which was to be delivered XX/XX/XXXX, and placed a new order. The new order is to ship around XX/XX/XXXX.
Because I still have the console that needed to be replaced, and because NM had refunded the money, I had to pay for the console againno problem. On XX/XX/XXXX, I made a payment of {$2400.00}, which was the balance from the XX/XX/XXXX bill. That bill ( which I disputed ) had a late charge and interest added that should not have been charged to me as I did not know that a bill had been generated. The bill, after subtractions of fees, was around {$2300.00}. This {$2300.00} reflect a credit I was given in XXXX. The overpayment and all of these charges ( over $ XXXX ) appalled me. My full payment did not balance out my account that had all these charges, no credits applied, and no refund for the non-delivery of the baby items. I still have the damaged piece in my home. That item is paid in full.
In continued discussions with NM/Capital One to try and straighten out my account, I was informed although I have paid off the balance, when they ship out merchandise, they must charge the account. Once it is returned, it should balance back out. I was also told that I should make a payment until the account is balanced and my money would be refunded. Why is it my responsibility to offset Neiman Marcus antiquated billing practices? Why should I trust them to return anything when credits are not being applied properly and money not being returned? Whats interesting is the balance just keeps changing. XX/XX/XXXX, I received an email advising that a {$430.00} credit would be applied to my NM account ending in XXXX. XX/XX/XXXX, I received an email that stated that a {$210.00} credit would be given as well ( attached ). Food for thought : If in XX/XX/XXXX, I owed {$2300.00}, how is it that I owe {$2500.00}?
On XX/XX/XXXX, I contacted the credit department only to find out that my balance is {$2500.00}, with a {$29.00} payment due on XX/XX/XXXX. Where are the credits, and why are they not being applied? While my card was in a credit status, I made a couple purchases in XX/XX/XXXX ( baby outfits which I paid {$71.00} because the credit balance was for the console ) and the product NEVER was delivered. I did not receive a refund of my money. I also purchased wall art that I ended up returning. Remember, I have a {$0.00} balance. If I purchase and paid off the balance, when the item was canceled by NM because they were unable to get the item, I should have been refunded my payment. I have not received a bill from Neiman Marcus in over a year. I am owed money from Neiman Marcus ; however, their XXXX accounting is making it difficult to follow the money. I am quite clear on what has transpired. The way the accounting is set up, any money owed, they are applying it to these balances owed on my account. There has not been any reconciliation. If so, I am owed {$71.00} + whatever monies I received in credits.
Also on XX/XX/XXXX, I spoke to XXXX, ID # XXXX. He witnessed himself how Neiman Marcus handle accounts and was also perplexed by what was said. He and I was on a conference call with XXXX XXXX, Offline Service Recovery Specialists. She directed us to contact NM credit department because she stated she had to place a new order for the replacement of the console which was going to cause another charge to be added to my account. The way NM calculates, I am sure there are now XXXX $ XXXX charges on my NM account. These charges are also going over the credit limit which also affects my credit. XXXX and I contacted the credit department only to circled back to Capital One. ( NOTE : NM apparently does not have their own credit department ). Because XXXX is higher ranking than the customer rep, there was no one we could speak to regarding. I have been given the run around, and all I ever hear is I am sorry. That is nice, however, I need this situation resolved.
XXXX XXXX kept mentioning my Capital One online banking accounts which I kept stating I do not have a bank account with Capital One. I misunderstood what XXXX XXXX was implying. He was talking about the two accounts under Capital One ( Neiman Marcus and XXXX XXXX XXXX ). Whatever he did, I am now unable to access both accounts and unable to obtain any of my statements. I gave Capital One ( XXXX XXXX ) permission to access my account to get copies of my statements in order to resolve my concerns.
I want this situation rectified and not hurt my credit rating. Neiman Marcus needs to upgrade how they deal with returns/exchanges. I want my credits added as well. Constantly putting these charges back and forth on an account that is paid off affects my credit and is very confusing. The balance is not consistent. Whats worst is asking me to make monthly payments while the situation gets resolved. I do not owe anything.
Capital One sent me a link to upload all my documents on XX/XX/XXXX. On XX/XX/XXXX, I tried for several hours to upload the information only to get the error message, We are unable to upload your documents at this time. Please try your request again later. I called Capital One regarding. I was sent another link. That link still did not work. I just tried at XXXX p.m. and was unable to upload information. I was also told by customer service that I would have to either fax or mail the information. I chose to fax ( XXXX ). I feel one roadblock after another in getting this situation under control and resolved.
Today, at XXXX p.m., XXXX, ID # XXXX, stated the records showed that IT fixed the site. XXXX also confirmed my fax was received Thank you, XXXX XXXX
|
08/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
XX/XX/XXXX. I received a voicemail from XXXXXXXX XXXX stating that someone tried to get into my account but couldn't because they failed answer the security questions. I did not get a similar notification of suspicious activity from Capital One. But when I checked my Capital One Credit card ending XXXX, I saw that on XX/XX/XXXX there were 5 fraudulent charges and one legitimate charge.
I contacted Capital One immediately and opened Case # XXXX. Reference # XXXX. I explained that the only legitimate charge from that date was {$5.00} for XXXX XXXX XXXX. They asked me to email them my soc security card, drivers license, and proof of address so they could verify my identity via a secure link and said they would call me back when I was approved.
XX/XX/XXXX. I mailed in a payment from my last billing cycle for {$2200.00} which was credited on XX/XX/XXXX. This payment, and the charge on XX/XX/XXXX for {$5.00} are the last and only legitimate transactions I have had with Capital One. All other debits, deposits, fees, or other transactions on card ending XXXX, card ending XXXX, card ending XXXX, and card ending XXXX are fraudulent.
XX/XX/XXXX, around XXXX, got a call from Capital One. She said they approved the documents I sent, cancelled the card ending XXXX and were mailing me a new card which would end in XXXX. I NEVER RECEIVED THE CARD ENDING XXXX, but according to my Capital One Statement someone in XXXX XXXX was already using it ( total {$69.00} ) on XX/XX/XXXX.
XX/XX/XXXX. Voicemail from Capital One XXXX XXXX on a recorded Please give us a call at XXXX. I tried to log in to check my account online, but it was blocked. I was told the Account Security dept was closed for the weekend.
XX/XX/XXXX. I was finally able to reach Capital One account security department Monday morning, at XXXX. They said that on XX/XX/XXXX my savings account ending XXXX was compromised - someone had tried to add another phone number. They said I would get a new savings account in 3-5 business days, but I will need to call them to get the new account number. Reference # XXXX and XXXX.
XX/XX/XXXX. I reached Capital One again at XXXX ( case # XXXX, ref # XXXX ). The agent said that the card ending XXXX had been compromised. Capital One had another cell phone number that was not mine and also a different mailing address that was not mine, and they were deleting those from my account.
They said they were sending me a new card ending in XXXX that would arrive in my XXXX XXXX XXXX 4 to 6 business days. I NEVER RECEIVED THE CARD ENDING XXXX but apparently someone in XXXX XXXX was immediately racking up numerous transactions ( total {$3000.00} ) on XXXX XXXX.
XX/XX/XXXX. Received an email from Capital One saying they noticed unusual activity on my savings account ending XXXX and to call them. They said someone called them from Texas and was trying to change my phone number. The Capital One agent asked me four times if I only had one phone number on the account. I repeated : only one number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX. Talked to Capital One Savings again, they said my savings account is locked until they can resolve credit card concerns.
XX/XX/XXXX. Then I talked to Capital One credit card department again to say I could not log in to Capital One even though they said the account was clear and there were no restrictions on card ending XXXX ( which I never received ). But they detected unusual activity, and they need to re-validate my identity ( case number XXXX ). They asked you to re-send all the documents they had already approved and once they are approved again an agent will call me back.
XX/XX/XXXX. I got a call back from XXXX ( employee ID # XXXX ) from the Credit Card Security Fraud Resolution Team. He said that cash advances were made in XXXX XXXX, and they had an erroneous phone number for me with an area code of XXXX, which is located in Texas. He said that a new card ending XXXX will be sent to me by XXXX to my home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The new card arrived on XX/XX/XXXX and I activated it on XX/XX/XXXX.
XX/XX/XXXX. I received a hard copy letter from Capital One referring to case # XXXX. It says they launched an investigation ( attached ). The letter concludes insufficient evidence of fraud, youre responsible for the charges listed. These charges all occurred in Texas XXXX XXXX and charged to card ending XXXX, which I never received. There is abundant evidence that the hacker is operating from XXXX XXXX ( see notes from XX/XX/XXXX above ). Furthermore, I have proof from my Chase Debit Card that I was in XXXX XXXX, and XXXX XXXX, Washington XXXX on XXXX XXXX, which can be provided on request, In summary, the only valid transactions in this XX/XX/XXXX billing cycle are listed in the attached table. All other debits, deposits, fees, or other transactions pertaining to card ending XXXX, card ending XXXX, card ending XXXX, and card ending XXXX are fraudulent.
On Thursday XX/XX/XXXX, I mailed check # XXXX for {$2700.00}, my actual total due by XX/XX/XXXX for this billing cycle ( XXXX XXXX XXXX ). Since I have not used the Capital One credit card since the last legitimate transaction ( {$5.00} on XXXX ) my current balance should now be {$0.00}. Note at the bottom of the table that XXXX cancelled my rental car on XX/XX/XXXX, but as of XX/XX/XXXX Capital One had not refunded this amount to my account.
The statement for this billing cycle is attached below. I am hoping the CFPB can 1 ) Analyze the statement to distinguish all legitimate charges as shown in the table below, from all the rest of the charges and get Capital One to confirm my balance should now be {$0.00}. No additional charges or fees.
2 ) Make Capital One unlock my savings account, so I can close it and move it to a different bank who is able to detect, track, and correct fraudulent activities.
NOTE, the spreadsheet titled Capital One XXXX XXXX listing legitimate charges did not open below. So here is a pasted version of the information : Transaction Date Description Amount NOTES XXXX PAYMENT {$2200.00} legitimate payment to credit card ending XXXX for total balance due on previous billing cycle ( XXXX XXXX ) due XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$29.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$24.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$19.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$12.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$61.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$5.00} legitimate charge to XXXX XXXX XXXX XXXX {$6.00} legitimate charge to XXXX XXXX XXXX XXXX {$18.00} legitimate charge to XXXX XXXX XXXX {$18.00} legitimate charge to XXXX XXXX XXXX XXXX {$54.00} legitimate charge to XXXX XXXX XXXX XXXX {$210.00} legitimate charge to XXXX XXXX XXXX Grocery Store {$7.00} legitimate charge to XXXX XXXX XXXX Grocery Store {$1.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$19.00} legitimate charge to XXXX XXXX XXXX XXXX {$9.00} legitimate charge to XXXX XXXX XXXX XXXX {$3.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} legitimate charge to XXXX XXXX XXXX {$73.00} legitimate charge to XXXX XXXX XXXX {$73.00} legitimate charge to XXXX XXXX XXXX {$88.00} legitimate charge to XXXX XXXX XXXX {$790.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$20.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX {$15.00} legitimate charge to XXXX XXXX XXXX {$33.00} legitimate charge to XXXX XXXX XXXX {$24.00} legitimate charge to XXXX XXXX XXXX XXXX XXXX XXXX {$21.00} legitimate charge to XXXX XXXXXXXX XXXX XXXX XXXX {$19.00} legitimate charge to XXXX XXXX XXXX XXXX {$12.00} legitimate charge XXXX XXXX XXXX XXXX XXXX XXXX {$75.00} legitimate charge to XXXX XXXX XXXX XXXX {$130.00} legitimate charge to XXXX XXXXXXXX XXXX XXXX XXXX {$59.00} legitimate charge to XXXX XXXX XXXX at XXXX XXXX {$130.00} legitimate charge to XXXX XXXX XXXX XXXX {$47.00} legitimate charge to XXXX XXXX XXXX {$500.00} legitimate charge to XXXX XXXX XXXX {$25.00} legitimate charge to XXXX XXXX XXXX {$510.00} was cancelled by vendor due to credit card dispute. They said " XXXX will refund this amount to Capital One '' XXXX XXXX XXXX XXXX {$5.00} Last legitimate charge in this billing cycle XXXX legitimate TOTAL due this billing cycle {$2700.00} Would have been {$3300.00} if not for XXXX refund.
Check # XXXX mailed to Capital One to cover all legitimate transactions in this billing cycle.
Balance should now be XXXX because I did not use the cards after the {$5.00} transaction on XX/XX/XXXX.
|
10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX Authorized Representative/Attorney-In-Fact for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt validation via certified mail on XXXX XXXX XXXX XXXX : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this letter, I gave 30 days notice for Capital One to respond and provide me with the information that I requested. Additionally, I requested that Capital One cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Capital One cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I am in receipt that Capital One received my written notice on XX/XX/XXXX ( see attached hereto ). On XXXX XXXX XXXX Capital One ignored my request, and Capital One sent an email regarding an alleged account that said Attention required. ( see attached hereto ). Further, Capital One then proceeded to close this alleged account without any notification to me and without my consent. ( see attached hereto ). FURTHERMORE, CAPITAL ONE THEN SENT AN EMAIL STATING THAT MY EMAIL ADDRESS HAD BEEN UPDATED on XXXX XXXX XXXX This is inaccurate information, as this was not an action taken by me or anyone representing me. MOREOVER, Capital One sent another email on XXXX XXXX XXXX that said Please read this regarding your ( alleged ) credit card ( see attached hereto ). Capital One has failed to provide me with the validated debt they claim I owe them. Capital One has made it clear that they are ignoring my request and they will continue with debt collection efforts for this alleged account. Therefore, I submitted a complaint to the CFPB on XXXX XXXX XXXX in hopes of a resolution ( see attached hereto ). I am now submitting another complaint due to the reporting of these illegal inaccuracies on my credit report. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Capital One et.al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Capital One et.al. on notice, due to XXXX XXXX et.al. demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Capital One et.al.1. Capital One et.al. is hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Capital One et.al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Capital One et.al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Capital One et.al. is to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXXXXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Capital One et.al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that shows what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Capital One et.al. authority to collect the alleged debt : Capital One et.al.is licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Capital One et.al. is contacting XXXX XXXX from of the state, provide the licensing information from Capital One et.al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE. Due to unacceptable response from Capital One et.al. XXXX XXXX gives notice that : Capital One et.al. engaged in, and continues to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally continuing to report this alleged account and continuing to send statements and emails regarding an alleged account, as well as continuing to report these inaccuracies to the credit bureaus. These collection tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Capital One et.al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Capital One et.al.are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this XXXX XXXX XXXX XXXX XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :
|
11/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On Friday, XX/XX/XXXX I received an email from XXXX XXXX to my XXXX email account stating the following : Dear Applicant, We received your resume from your Career/College service and we are looking for an employee to fill the position of a Virtual Personal Assistant Full time/Part-time/Internship.
This is part time opening and does not involve working face-to-face with customers.We offer flexible schedules, with a great starting pay rate and local students can make their schedules around other priorities.This is to inform you that you have been accepted for the job, kindly let us know the days and time you are available to work.
Thank you for your prompt response.
I responded and accepted the offer because a week prior I had put my resume in my schools resume book. In this resume book XXXX sends out your resume to employers looking to hire. Therefore, when I received this email I assumed it was a result of the resume book.
On Monday, XX/XX/XXXX I recieved the following message : Dear XXXX, I am looking for a resourceful, reliable individual who can work with good understanding as an Assistant. This position is " virtual '' because you will be working from home and focus on administrative tasks that are similar to those of an executive assistant or secretary. You are a team member who just happens to work remotely. Working with me is basically about instructions and following them, so this person has to be very close to a computer as there could be some urgent errand that is needed to be passed across. As a virtual personal assistant, your activities among other things will include.
Primary Responsibilities : *Planning and scheduling meetings and appointments.
*Conserves executive 's time by reading, researching, and routing correspondence ; drafting letters and documents ; collecting and analyzing information ; initiating and reporting back to me through email or phone.
* Oversee the paper and electronic filing systems.
* Receiving appointments and keeping me up to date with them.
* Acting as an alternative telephone correspondence while I am away and when needed.
* Various personal tasks, projects and special assignments Basic wage is {$300.00} Weekly and direct deposit only My name is XXXX XXXX, I am the Procurement and Acquisition manager at XXXX XXXX. XXXX is a business consultant firm. As the need requires, we start by acting as the liaison between employers and their employees. We ensure and verify that the payroll system has the correct compensation data for each employee. This includes salary, and other types of pay, such as bonuses, commissions, expense reimbursements, back pay and retroactive pay increases. Other types of compensation include bereavement, vacation, sick, personal and holiday pay. Paycheck deductions, such as federal income tax, Social Security tax, Medicare tax, state and local taxes, wage garnishment, union dues Due to the nature of my job, as a busy professional family woman and my frequent traveling so I need someone to handle few tasks on my schedule, while every instruction will be given to you via email and phone. You will be working for three ( 3 ) days a week and four ( 4 ) hours each day at least.
Kindly let me know if you are still interested and I am willing to offer you {$300.00} weekly with a reasonable token weekly bonus. I want you to answer these few questions below, Please answer them to the best of your knowledge.
* Have you ever worked as a personal assistant before?
* Are you taking this as a primary Job?
* Do you have professional reference?
* How Many Hours are you wiling to devote to work for me?
* Describe yourself and your qualifications?
* Are you willing to give your best shot at working with me?
Sincerely, XXXX XXXX Procurement and Acquisition Manager Business Development Depart.
XXXX XXXX XXXX XXXX I emailed her back and said I accept the job and sent my availability.
On Friday, XX/XX/XXXX XXXX XXXX sent the following message : Dear XXXX, After carefully reviewing your application and your answers to the questions, you have been considered for this position and scheduled to officially start on Monday XX/XX/XXXX. Working with me however, will be more of following instructions. It 's a part-time position for now and the flexibility means that there will be busier weeks than others but you will not be working more than 20 hours per week. I believe your weekly schedule will be okay with this position as long as you can be available for 4 to 5 hours a day and 4 days a week.
Furthermore, I will send my information to you for the OR conference registration ( XXXX XXXX XXXX XXXX XXXX ) that is coming up in XX/XX/XXXX to XX/XX/XXXX through this link .... XXXX XXXX XXXX. I will have some funds sent to you to complete the registration. I will be attending the conference as a group member so I need you to get back to me with your Personal/Contact Details such as : Full Name On Your Bank Account } : Direct Deposit Bank Name : Direct Deposit Account Number : Full Address Of Your Bank : Your Mobile Phone # : Alternative Contact e-mail address : Sincerely, XXXX XXXX Procurement and Acquisition Manager Business Development Depart.
XXXX XXXX XXXX XXXX I replied to the message with the information she asked for.
On Monday XX/XX/XXXX XXXX XXXX emailed me the following : Good morning XXXX, I want to use this forum to inform you that you are starting officially today. Below is your first assignment.
I have a presentation at a local seminar on Saturday XX/XX/XXXX and the topic I want to speak about is " Why would you prefer share of ownership in an existing business to owning your business '' I need you to do some research and bring out a few talking points and send the write up back to me. You do not have to rush to get this done, I only want it done before Thursday night so that I can have enough time to go through it and prepare.
And Yes you will be getting paid every Thursday of Friday.
Have a good day!
On Tuesday, XX/XX/XXXX I sent her the talking points assignment.
On Tuesday, XX/XX/XXXX XXXX XXXX send the following email : Hello XXXX, I just went through your work and I want to say you did a great job. Anyway, it is okay I will work on the conclusion part. I will contact you tomorrow morning before XXXX I want you to be available.
Thank you.
XXXX XXXX Procurement and Acquisition Manager Business Development Depart.
XXXX XXXX XXXX XXXX On Tuesday, XX/XX/XXXX XXXX XXXX assigned me another assignment in the following email : Dear XXXX, I need you to carry out this assignment now. It was decided at our general meeting yesterday that I should sign up for the conference as a group member which comes with some discount. We had already contacted our associate who is also a registered member. So I need you to go and withdraw {$1500.00}, and go to XXXX XXXX to make cash deposit of {$1300.00} to these details below and hold the {$200.00} balance with you, I will tell you what to do with it.
Account Hoder 's Name : XXXX XXXXXXXX XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX Do not do transfer, and make sure you carry out this assignment effectively. It should be cash deposit because I need to register with the other members today ( {$1000.00} plus Additional Exhibitor Passes {$250.00} ). Send the scan copy of the deposit receipt to my email immediately. I will be waiting for the details.
Someone by name XXXX XXXX from that organization will get back to you with confirmation later today via email and you will confirm the registration for me. You can also deduct your weekly payment which is {$300.00} and keep the balance in your account.
Signed, XXXX XXXX Procurement and Acquisition Manager Business Development Depart.
XXXX XXXX XXXX XXXX She deposited {$190000.00} into my account. I did what she asked and sent her receipt of the deposit. The {$200.00} she asked me to hold on to she has me to do a XXXX to XXXX transaction where I sent money to her sister. On XX/XX/XXXX I sent her the receipt for the XXXX to XXXX transaction. Below, you will find the breakdown of the deposits.
Hi XXXX, Below, you will find a breakdown of today 's transactions.
Initial Deposit- {$1900.00} Withdrawal- {$1500.00} XXXX XXXX Deposit- {$1300.00} XXXX XXXX XXXX Transfer- {$200.00} XXXX 's payment- {$300.00} Balance : XXXX Please let me know if you have any questions or concerns.
On XX/XX/XXXX the check for {$1900.00} returned and left my checking account at - {$1800.00}.
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04/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Please note there is a Checking and a Savings account that have been restricted access.
Case numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XXXX approx. ) XXXX ( opened XX/XX/XXXX - escalated case ) Timeline Summary ( Sorry for the dissertation but want to provide as much information as possible ) XXXX Dad initiated a XXXX transaction to me to reimburse for flights and XXXX expenses. He initiated the transaction via Capital One site logged in under his credentials. A history of reimbursements to me can be seen within his Bill Pay history. XXXX was used this time since he knew I would not be home for some time and would be unable to deposit a check. My debit card had expired while I was in XXXX XXXX for dad which caused the XXXX transfer to fail. We shifted to send the reimbursement to my husbands XXXX account instead. This becomes relevant on XX/XX/XXXX.
XXXX I went to the C.O. location in XXXX and inquired if there was a way to request a signature card to get notarized so that XXXX could add me to his account as a joint account holder. I was advised that he could complete the addition electronically via the Capital One website. XXXX logged in to his account and added me as a secondary/joint account holder.
XX/XX/XXXX XXXX passed away.
XX/XX/XXXX Capital One reached out to dad via his cell. XXXX answered his phone and advised them that dad had passed. I called Capital One the same day. At that time the accounts had already been restricted and I was advised that the Estate Operations team would reach out to provide instruction on how to release the restriction.
XX/XX/XXXX Capital One Estate Operations reached out via email to request the Death Certificate in order to remove Dads name from the account.
XX/XX/XXXX I called Capital One and spoke with XXXX who spoke with her supervisor XXXX. Both are in the Customer Protection dept. I was advised that the account restrictions could be lifted if I could reply to the Estate Operations email with a copy of the Last Will and Testament and Power of Attorney. I sent the documents same day also noting that I would provide the Death Certificate when it became available.
XX/XX/XXXX - I called Capital One to follow up on the email sent the day prior. I spoke with XXXX who tried to help but Estate Operations closed for the day before we could find resolution. I was advised wait.
XX/XX/XXXX I called Capital One to follow up once more and spoke with XXXX, XXXX and XXXX. Estate Operations emailed while we were on the phone but again closed for the day so I was unable to speak with them.
I received a follow up email from Capital One Estate Operations advising that they were unable to accept the documents and that they were not responsible for placing the account restrictions. They also put in writing that Court approved documentation would only be necessary if the accounts were not jointly titled. Since the accounts name you as the surviving joint owner you should have full access to the accounts. He then advised me to reach out to Customer Protection who was responsible for placing the hold.
XXXX I called Capital One to gain clarification of what could be done to clear the hold since Estate Operation advised that they were not responsible for placing the restriction. I was escalated to XXXX and XXXX after I spent several hours on the phone and requested to have someone from both the Estate Operations dept and the Customer Protection dept. Both advised that the restrictions could be lifted with a Death Certificate.
XX/XX/XXXX I physically went into a Capital One branch in XXXX with Death Certificate in hand. An employee, XXXX I think, tried to see if she could lift the restriction and spoke with someone in Customer Protection. She passed on that she was advised that I would need to send the Death Certificate to Customer Protection at XXXX and then the restrictions could be lifted. I emailed both the Estate Operations and Customer Protection copies of the death certificate.
XX/XX/XXXX I noticed that I had a typo in my email to Customer Protection. I sent another email this time including both Estate Operations and Customer Protection so that they there would be no doubt that the death certificate was sent. I also advised that my intent was to keep dads name on the account until I had settled his debts. However, if Capital One was intent on forcing that action, then remove his name.
XX/XX/XXXX Estate Operations replied back to my email stating that now they would need Letters of Testamentary or Letters of Administration. I called C.O. Customer Protection and spoke with XXXX. I asked why these documents would be needed since the prior instructions from C.O. was that a Death Certificate was sufficient to clear the restrictions from both departments. During this call she also confirmed that prior to adding me as joint holder she was able to see that I was the POD. She stated that she made notes in the account and to call back in the morning to speak with Estate Operations and the restriction could be lifted.
XX/XX/XXXX I called C.O. as instructed. I was on the phone with them for 4 hours and 51 minutes. During this call the validity of the XXXX transaction was shared with me. I shared that the transaction was reimbursement for his care, that XXXX had initiated the transaction and also that I had Power of Attorney at the time of the transaction. If there was concern that I initiated the transaction I would have been operating within the legal power given to me to do so. My C.O. credit card was used to make purchases and the flight and XXXX transactions could easily be confirmed. I was also asked if I could provide proof that XXXX was of sound mind during the time of the XXXX transaction and when I was added as joint owner. I sent them a copy of the notarized trust amendment dated XXXX.
The attempt to lift restrictions was again rejected and I was bounced to two more individuals and told that Estate Operations was responsible for placing the restrictions. They refused to let me speak to anyone in that department and advised that I would have to email them to find out why probate documents would be needed. I sent Estate Operations an email as directed and asked them to provide a clear reason why need probate documents to release the restrictions. As of XX/XX/XXXX I have still not gotten a response.
XX/XX/XXXX I called C.O. to follow up on the XX/XX/XXXX email which still had no response. I was escalated to XXXX who was able to reach out to the Customer Protection rep who was responsible for reviewing my case and releasing the restriction on the account. She advised me to call back in the afternoon to check the status. During this call I also advised all representatives that I spoke with that my next course of action would be to file a report with the Consumer Financial Protection Bureau if they were not able to resolve the issue immediately.
I called back and was escalated to XXXX who notified me that the restrictions had been removed from the Customer Protection side as of XXXX that day and the case had been handed over to Estate Operations. Once Estate Operations was able to remove my fathers name, I would have access to the funds. He assured me that I would have access to the fund by Monday or Tuesday but by the end of the week at the latest. I requested the case be escalated and was advised by XXXX that the case was already escalated.
XX/XX/XXXX I called C.O. since I still did not have access to the funds as promised. I spoke with XXXX who reviewed the case notes and found that the release was not actually processed by Customer Protection on XX/XX/XXXX as stated by XXXX, but was cleared on XX/XX/XXXX. Since Estate Operations was just getting to the case I would have to wait for them to process the removal of my fathers name before I would have access to the funds in the joint account. I was also advised that the case had not been escalated as previously advised by XXXX on XX/XX/XXXX. She escalated the case and provided me with a new case number. She also advised that she was not able to provide a time frame of when the Estate Operations would be able to review the case and release the funds. It could potentially take up to 15 more business days ( 3 weeks ). I advised that since C.O. has already held my funds for six ( 6 ) weeks and was unable to provide a reasonable time frame to process the removal of my fathers name I would be filing this complaint.
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12/21/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Capital one - reporting as open but has portfolio recovery collecting debt? Double the trouble right!!! 3 years Close account and delete- Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit.
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
Fact, Regulation Z is a code of Federal Regulation ( CFR ) which enforces & regulates Truth In Lending under title 15 On XXXX I XXXX XXXX gave capital one a negotiable instrument when I entered a consumer credit transaction for the quicksilver one credit card according to the Truth In Lending and Regulation Z. I am supposed to have an open end consumer credit plan disclosed to me when credit is being extended which a finance charge is supposed to be imposed and the sum of all charges.
In the failure to disclose my account XXXX XXXX XXXX XXXX has been in billing error in the amount of $ XXXX.my statements come in positive balance. My billing cycle is every 30 days according to 15 usc 1637 ( a ) ( 7 ) one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months. CAPITAL ONE have failed to pay off any of the public debt but rather unlawfully redirected ill-gotten gains into private corporate accounts through embezzlement, theft by deception, fraudulent conversion, and in violation to each all incorporated in entirety laws established through and as a result of the US Bankruptcy of 1933, wherein there is no money, only Bank Notes which are but only a promise to pay. Say that i owe anything is a violation of 15 usc 1692e false or misleading representations.
Notice, it is a fact, that, I, XXXX XXXX demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will serve as proof CAPITAL ONE acted without ordinary care, good faith, and has indeed performed illegal activity in evidence to this subject matter.
Notice, it is a fact, that, I am aware this account is associated with an open ended consumer credit plan as described in 15 U.S.Code 1637 and 12 CFR 1026.5. I am aware this account has not been balancing out every month using the funds from the trust account from my principal obligor. I demand my open ended consumer credit plan be corrected and to balance out my account every month to rectify the bank errors caused by CAPITAL ONE mismanagement of payment.
Notice, it is a fact, that I am aware, the plastic card device issued from the creditor CAPITAL ONE gives way to I, the consumer open-ended consumer credit plan in accordance with 15 U.S.Code 1602 ( j ) which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.
Notice, it is a fact, that I am aware, pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges.
Notice, it is a fact, That I am aware, I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ).
Notice, it is a fact, That I am aware pursuant to 16 CFR 433.3 ( b ) ( 3 ) the definition of open end credit is consumer credit extended on account. Pursuant to 12 CFR 1002.2 ( a ) Account means open end credit. My account number XXXX XXXX XXXX XXXX is referencing this open end credit plan which can come in the form of a credit card, check, or other device, as a plan between I, the consumer and a creditor such as CAPITAL ONE.
Notice, it is a fact, That I am aware of a creditor in connection and in accordance with 16 CFR 433.1 ( c ) can not be both a credit card issuer and a creditor at once. A person who finances and extends credit to a natural person or a consumer would be the ALL CAPS name, my property XXXX XXXX the corporate fiction and legal engis.
15 USC 1666 b ( a ) Notice, it is a fact, That I am aware 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CAPITAL ONE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ) ( 2 ) Notice, it is a fact, That I am aware of documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in attachment. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583.
Notice, it is a fact, That I am aware CAPITAL ONE as the creditor may not collect any disputed amount, I the consumer, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by CAPITAL ONE will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for CAPITAL ONE for the actual damage caused to I as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and resolve the previously addressed billing error.
Notice, it is a fact, That I am aware, until the creditor has resolved a billing error dispute CAPITAL ONE can not report any information to any third party including any consumer reporting agencies unless the billing error dispute is over. Such reporting will be admittance to criminal liability under 15 U.S.Code 1611 ( 1 ) for failing to disclose information CAPITAL ONE is required to disclosed the documentary evidence or be subject to double the finance charge for failing to comply to TILA requirements per individual action under 15 U.S.Code 1640 ( a ) ( 2 ) ( A ) ( i ).
12 CFR 1026.13 ( b ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Notice, it is a fact, that, I am aware that CAPITAL ONE is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year.
Notice, it is a fact, That I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ).
Notice, it is a fact, That I am aware in accordance with 16 C.F.R. 433.3 CAPITAL ONE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke, my rights as the debtor in this consumer credit contract against CAPITAL ONE for the unfair and deceptive practices as shown in the agreement herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by CAPITAL ONE herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
Thank you,
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12/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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An impartial review of any complaints submitted to a company is what a consumer who submits a complaint to the CFPB however, when the identical company and the unrelated complainant is assigned to the identical representative to review a mater the independent is marred. { It is what a high ranking officials calls circuit shopping. } It is highly questionable to assign the same individual to the same customer, so I ask my previous and present complaints be overturned. It appears that my complaints are assigned to the same person ( XXXX ) who denies each claim. XXXX rejects my claims by means of inaccurate accounts of the events and manipulating the standards of dispute resolution so as to favor the merchant. Congress passed TILA in XXXX to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him [ and ] to avoid the uninformed use of credit. 15 U.S.C. 1601 ( a ). In XXXX, Congress amended TILA through the passage of the Fair Credit Billing Act ( FCBA ) to protect the consumer against inaccurate and unfair credit billing and credit card practices. Section 302 of the FCBA, Pub. Law 93495 ( XX/XX/XXXX ). Codified at 15 U.S.C. 1601 ( a ) Under the FCBA, as implemented in Regulation Z, credit card issuers have two separate obligations that may apply to merchant disputes. First, under 12 C.F.R. 1026.13 ( a ), issuers must investigate and resolve certain billing errors, including a transaction reflected on a periodic statement involving goods or services that the consumer ( or representative ) did not accept or was not delivered or was not delivered as agreed. Comment 13 ( a ) ( 3 ) -1 of the official staff commentary ( commentary ) for Regulation Z provides these examples for this type of billing error : the appearance on a periodic statement of a purchase when the consumer refused to take delivery of the goods because the goods did not comply with the contract ; delivery of property or services different from that agreed upon ; delivery of the wrong quantity ; late delivery ; or delivery to the wrong location. A credit card issuers compliance obligation under 1026.13 ( a ) is triggered when the consumer sends a written notice to the issuer within 60 days after the issuer provides the periodic statement that reflects the alleged billing error. 12 C.F.R. 1026.13 ( b ) ( 1 ) The consumer is not required to notify the merchant and attempt to resolve the dispute, assuming the consumer did not accept the goods. 12 C.F.R. 1026.13 CFPB Official interpretation of Paragraph 13 ( a ) ( 3 ). I reasoned with XXXX that was not delivered as agreed and it did not comply with the contract. XXXX contends that the bumper was delivered damaged and was sent back this caused a delay. I stated that was not true. I called the company and they said they have no record of this bumper. I further reminded her of the fact XXXX XXXX XXXX XXXX XXXX misrepresented a document claiming it was an authorization to work on the vehicle ; in actuality it was a document stating I was satisfied with the work. The false and deceptive evidence would satisfy a reasonable minded person that XXXX XXXX XXXX XXXX XXXX regularly participate in dishonest and fraudulent business practices. It is obvious to a duck that the dates on this document are several days apart in addition the date the vehicle was delivered several weeks earlier evincing deceptive business practices. I received a copy of that document from Capital One several weeks after I filed a dispute and requested the information.
Under the Fair Credit Billing Act, I have the right to withhold payment of the disputed amount while the dispute investigation was pending. Capital One XXXX did not withhold payment and credit my account while she investigated the dispute. XXXX predetermined biased opinion decided against crediting my account, and did not afford my right to withhold payment until the matter was resolved ; this is in violation of 12 CFR 1026.13 ( d ) ( 1 ).
XXXX requested information she knew did not exist nor could be produced without manufacturing it. A reasonable minded person would know that after repairs to any object one may only SPECULATE what it would take to repair it. An estimate from another body shop other than the submitted ALL STATE ESTIMATE taken during the time of the incident and XXXX XXXX XXXX is all that can accurately depict the damages and offer a precise estimate including time ; any other estimates would be speculation. XXXX should demonstrate some empathy and consider herself in this situation with these criminal minded law breakers and XXXX XXXX XXXX. Until a billing error is resolved, I am entitled to withhold payment to the card issuer for the amount owed the merchant and any associated finance charges, and the issuer is prohibited from reporting negative information about the consumers credit standing ( for example, to a consumer reporting agency ) because the consumer failed to pay this amount. When I pointed out the flaws in her decision to uphold the {$500.00} deductible she indicated regulation importance or irrelevance or otherwise simply shrugged it off. The regulations for a dispute are found and these regulations are uniform and each creditor are bound by its undeviating guidelines.
XXXX informs me she was assigned also to the {$3800.00} dispute for an air conditioning unit. I said that is interesting as she was assigned to each complaint mentioned and she unscrupulously denied each as she manipulated the contents of the investigation so as to favor the merchants. Capital One and Master Card have determined that the AC Unit does not qualify for reimbursing as they have defined it a permanent fixture. The term permanent fixture is unconstitutionally vague and is broad in scope. I have submitted documentation regarding my position. The issue is the reason for denial the term permanent fixture any other rejoinder on the matter is closed as card issuer ( s ) had an opportunity to include this in their initial denial, as such the only issues is the term permanent fixture. XXXX is and should declare herself to be disqualified to review any of my complaints because of possible bias or personal interest. I feel any decision XXXX made should be investigated to determine if she observed the regulations or her on selfish interest.
XXXX stated she would be seeking information from the credit bureau ( s ) regarding the issue of 61 point drop in my credit score. XX/XX/XXXX XXXX stated she was not authorized to provide any information on my credit score even though she sought and received such information. She was reminded that she said she would provide this information and she refused, citing she would forward the contact information so I would contact the credit bureau ( s ). This was not the promise. XXXX rely on the CFPB does not take any immediate action. XXXX, Master Card and Capital One gross regulatory violation will perhaps one day be fully investigated but not today so they do not respect CFPB or dispute regulations as described above. I informed her I would be seeking a court decision in the future as the evidence as stated above and in prior complaints prove irregularities regarding regulation observance and prejudiced dispute resolutions favoring the merchant. XXXX response that is my right and is there anything else. I said no thank you and good bye.
It is obvious that Capital One and their representative ( s ) refuse to comply with current regulations and further have demonstrated prejudice to me a customer. In addition a reasonable minded person is a " thoughtful observer rather than... a hypersensitive or unduly suspicious person. '' Finally, a reasonable person is able to appreciate the significance of the facts in light of relevant legal standards and judicial practice and can discern whether any appearance of impropriety is merely an illusion. One of the fundamental rights of consumer is that he is entitled to a fair investigation in a fair tribunal, and that fairness requires an absence of actual bias or prejudice in the investigation of the case. The right to a fair and impartial investigation is fundamental to the me the consumer ; fundamental to the dispute process and it fosters the public 's confidence in the impartiality investigations over which they manage.
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03/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
I am having an issue with my credit card company, Capital One, regarding a dispute I filed with them for a charge by the XXXX XXXX. The details of the dispute are described below in chronological order, and documentation showing our interactions are attached as well. This issue has been going on for quite some time ( initiated XXXX XXXX, XXXX ) and Ive had multiple interactions with the XXXX and Capital One. As the record indicates, Capital One has displayed both a lack of effort to comprehend the nature of the dispute and bring it to conclusion, and a tendency to make incoherent demands ( e.g. that I provide proof I did not authorize fraudulent charges, rather than demanding the merchant provide evidence that I did ).
The history of events is this, with exact dates provided when known : ( 1 ) I booked a stay at the XXXX XXXX through a third-party called XXXX on XXXX XXXX, XXXX. The stay was from XXXX to XXXX, for {$1300.00}. This amount is not in dispute.
( 2 ) I checked into the XXXX on XXXX XXXX, XXXX, and provided my credit card, signature, and authorized a {$600.00} security deposit. The XXXX can verify this is their standard policy for guests.
( 3 ) I ordered {$73.00} worth of room service during my stay, which I authorized to be placed on my credit card. This is the only charge I authorized during my stay.
( 4 ) I checked out of the XXXX on XXXX XXXX, XXXX, using an automated kiosk. I was instructed to drop-off my key, and nothing else. I was not asked to authorize any additional charges.
( 5 ) After my departure, a charge appeared on my credit card statement for XXXX XXXX, XXXX, in the amount of {$570.00}. After calling the XXXX to inquire, they informed me this charge is itemized as follows : {$73.00} in room service ; {$240.00} in mini-bar fees ; {$250.00} in resort fees. The mini-bar fees and resort fees were not authorized.
( 6 ) I called the XXXX to dispute the mini-bar and resort fees on XXXX XXXX, XXXX.
( 7 ) I did not use the mini-bar at any point during my stay. The XXXX agreed to credit my card for {$240.00}, and this amount is no longer in dispute.
( 8 ) I did not authorize, nor was I informed of, the resort fees. Rather than crediting me this amount, the XXXX said I should contact the third-party about these. When I reminded them the charge is from the XXXX, not the third-party, they said they cant remove resort fees, but couldnt explain why. At this point I filed a dispute with Capital One.
( 9 ) Capital One immediately issued a temporary credit for {$250.00}, the amount in dispute.
( 10 ) On XXXX XXXX, XXXX, Capital One responded and demonstrated that they had not understood what was in dispute. The attached letter dated XXXX states they were reversing the credit they had given me for {$240.00}, because the XXXX had already credited me this amount ( for the mini-bar ). To reiterate points ( 7 ) - ( 9 ), the mini-bar charges were not in dispute, and Capital One never credited my account {$240.00}, making their response entirely incoherent.
( 11 ) A second letter was sent by Capital One on XXXX XXXX, XXXX, stating they were crediting my account for {$12.00}, stating I had disputed this amount. First note I had not disputed this amount. Second, while it appears this may have been attempt to fully reverse the credit provided to me of {$250.00} on XXXX, since thus far theyd only charged me {$240.00} ( and {$240.00} + {$12.00} = {$250.00} ), this actually makes no sense. If this was the intention of Capital One, they would have charged me an additional {$12.00}. Finally ( and most importantly ), neither a credit nor a charge of {$12.00} appeared on my account. Capital Ones letter was in error. My credit card statement is attached, validating this.
( 12 ) I tried explaining the multiple clerical errors to Capital One via a phone call on XXXX XXXX, XXXX, and was told I would need to submit a letter to restart the dispute.
( 13 ) I submitted a letter shortly after this conversation, which is attached.
( 14 ) The response from Capital One came via letter on XXXX XXXX, XXXX, stating they can not assist further because I had not provided the previously requested information. No specific information had been previously requested, so I called them to ask what they needed. They said they needed proof I did not authorize the resort fees of {$250.00}. I tried explaining the logical fallacy of proving something did not happen, and that the responsibility lies with the XXXX to provide evidence I did authorize the charges. By Capital Ones policy, the XXXX can charge anything they want, for any services not provided, and place the onus on the credit card holder for proving these charges are not valid. The representative I was speaking with said they understood this to be the case, but had no decision authority and told me to submit another letter to restart the dispute.
( 15 ) I submitted the letter dated XXXX XXXX, XXXX, which again explained the situation. On XXXX, Capital One credited my account {$240.00} in order to reverse their erroneous charge from XXXX, and the case was reopened.
( 16 ) Capital One responded on XXXX XXXX, XXXX with a letter and accompanying documentation from the XXXX, but sent another letter on XXXX ( backdated to XXXX ) stating to disregard their response. I will address it anyway, as its revealing. They stated the case was closed because the XXXX had provided evidence that I authorized a charge to my credit card of {$570.00}. This documentation also shows the {$600.00} security deposit I authorized upon check-in ( refer to point ( 2 ) ). The documentation contains one signature of mine for these two transactions that occurred on different dates ( upon check-in for the security deposit, and upon check-out for the {$570.00} ). Clearly, I could not have authorized both. Further, XXXX own actions acknowledge that the charge of {$570.00} was invalid : they credited my {$240.00} of this amount for erroneous mini-bar charges.
( 17 ) Also on XXXX XXXX, XXXX, Capital One charged by twice in the amount of {$240.00}, and credited me once for {$240.00}.
( 18 ) After Capital One instructed me to disregard the letter described in ( 16 ), they sent a letter on XXXX XXXX, XXXX, backdated to XXXX, with the exact same contents of point ( 10 ).
( 19 ) I sent another letter, dated XXXX XXXX, XXXX, responding to both letters described in ( 16 ) and ( 18 ), stating the above-mentioned facts and asking the dispute be reopened.
( 20 ) Capital One responded on XXXX XXXX, XXXX, with a form letter containing identical contents to that in ( 14 ) ( that previously requested information had not been provided ). I assumed this was a clerical error, so resent my latest letter, with an added note on what I thought was a clerical error.
( 21 ) Capital One responded twice on XXXX XXXX, XXXX, with identical letters to that described in ( 20 ). Each was backdated to XXXX. At this point I called them, reiterated all the details of the case, but was ultimately told the back office does not talk to customers, and the customer service representatives were just following guidelines.
I have attached a single document containing all letters between me and Capital One in chronological order. Note that one of the letters Capital One sent dated XXXX XXXX, XXXX, contains the documentation provided by XXXX, which proves I only authorized the {$600.00} security deposit and not the charge of {$570.00} ( as explained in point ( 16 ) ). Also attached is a document from the XXXX itemizing what they charged me for ( as explained in ( 5 ) ), and my credit card statement dating back to the origins of this dispute. All transactions mentioned in my above description are highlighted on the statement.
I think its clear Ive been mischarged, and mistreated by Capital Ones lack of effort to understand the details of the dispute and respond coherently. While not the most important part of this situation, its worth noting that after all charges from the XXXX and purchase adjustment by Capital One, Ive been charged a total of {$73.00} + {$240.00} = {$310.00} ( refer to my credit card statement, and all highlighted charges ). Even if the resort fees were valid, this is the wrong amount. Again, I must highlight Capital Ones total incompetence in settling this dispute.
Very Respectfully, XXXX XXXX
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06/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Im not sure if I submitted under the right category, but I am dealing with capital one auto finance, that unfortunately my car had became repossessed I had been going under extreme hardship. I had been going to court for legal matters due to my landlord at the time of the repo. I did not have a stapled home for me or my children I had called capital one immediately. When I noticed my car was Repo I had spoke to them and informed them that I will be reinstating my vehicle, they gave me two extensions car got picked up on XX/XX/XXXX and I got it reinstated by XX/XX/XXXX of XXXX. They had reassured me that my personal belongings which were going to be in my vehicle. Now when I arrived to XXXX XXXX XXXX Department in XXXX Ca. On XXXX XXXX at XXXXXXXX XXXX I had to wait about 1 1/2 hr to get informed that my key wasn't registering to my vehicle so I had informed XXXX at the front window if its OK that I go to the store and Ill be back she said yes I then arrive roughly about 45 minutes later walk into the facility and XXXX informs me that they are barely going to look at my vehicle. I said OK Ill be in my car, I get a phone call that they are stating my car does not want to start that my key is not working and that they made a key to see if it was a key issue and their key was not working as well. I then got on the phone with my financial company Capital One, which they transfer me to a higher escalation, got a hold of a XXXX that told me he was going to put me on hold as he called the facility, they had informed him the same issue, and that they had made a key for the vehicle as well. They wanted me to tow the car to a dealership to find out what was wrong with it, and I strongly believe that I am not responsible for towing a vehicle to the dealership to find out what is wrong with my car that worked 100 % never once did any of my check engine light. Nothing major has happened to that car before getting it repo. My vehicle ran perfectly fine never had one issue with it until now. When I told XXXX from XXXX about someone making another key for the vehicle. She told me no one made another key to the vehicle. I told him how is that even possible why would you guys inform my financial company that you guys made a key not only that I was informed by this lady XXXX that they made another key. My understanding is that once I sign the paper stating that I am taking the vehicle, they will no longer have any responsibilities whatsoever for damages that have been done to the vehicle. I refused to take it off their lot after finding out my car did not start. I had asked if I can speak to the mechanic that looked at my car. I was told by XXXX that they do not know what mechanic looked at my vehicle not only that she offered to bring the vehicle to the front and that once its in the front it is my responsibility to remove it off their property as they did, they brought it to the front and I was beyond angry. Once I seen my vehicle vehicle has damages that on the outside of the car all of my personal belongings which is very valuable stuff had been gone. It looks like somebody literally broke into the car. I then proceeded with upsetting conversations, and informed them that I would like the condition report to my vehicle, they refuse to give it to me because I am not the customer. They do not deal with me. They deal with capital one capital one is the one that will have to request for this form, I found it very funny that I had a similar situation with a friend that had a vehicle in the same location and they were more than happy to present them with a condition report XXXX XXXX XXXX stated that thats the way my vehicle came in which is absolutely incorrect. I refused that he has false information the way everything went. I highly believe that they are hiding something mind you I left the car there because high security name. XXXX stated he will go ahead and take over this situation. He will investigate what is going on and he will take care of me. I left at XXXXXXXX XXXX and called the next day to XXXX and asked to get a copy of the condition report. Nobody wanted to provide it to me. I wanted to find out who called me at XXXXXXXX XXXX on XX/XX/XXXX when I was on my way to pick up my vehicle because the night before which was XX/XX/XXXX, I called to verify if my personal belongings were still in the vehicle I also brought this up on the conversation when the situation arises when I notice that all my personal belongings were gone they stated to me that they dont know who called me and why would anybody call me to inform me that my personal belongings were in there so instead of calling the XXXX location, I called the Riverside location and XXXX location was more than happy to verify who called me on XX/XX/XXXX to inform me about my personal belongings. Mind you person explain to me what they were able to see in the pictures how could somebody explain to me what was in my vehicle if my vehicle came damaged and looking ransacked inside, makes no sense, they confirmed it. Was someone name XXXX, which XXXX was the one I was dealing with at the front window funny how she did not mention anything to me when I was asking who called me the following day which is XX/XX/XXXX I called and I wanted to speak with somebody that is higher than anybody in the facility manager a supervisor and they transferred me to the head security which is XXXX. I then approached him and said I wanted to follow up on the investigation. He tells me that he informed me he will let me know on the week of XXXX XXXX XXXX that he is on vacation, I said oh so they three-way do you heat then inform me no they called me on my cell phone I said OK can you transfer me back to the facility? He then said no I am on my cell phone I did not believe it so I had someone else called in asking for him and they had asked if XXXX is in they said yes got the phone call transferred and was questioned about the XXXX XXXX XXXX. He said is this XXXX the person who was on the phone with XXXX said no this is XXXX which is the cosigner to the XXXX XXXXXXXX XXXX He then said I am formed XXXX I am on vacation and that I will let her know the outcome on the week of XXXX of XXXX I find it very weird that when an employee is on vacation theyre able to transfer these calls to a employee that is on vacation. Mind you I have these calls are recorded and also recordings and videos of the day I picked up the vehicle. They were well aware because I informed them that these calls are being recorded for quality purposes and also they seen us recording my vehicle, I felt that I had no other choice and did not get any help and I was in desperate need of that condition report so I made up an email I called in and stated I was from capital one auto finance. I gave them a ID number that was just a random ID number and I requested for the condition report. I was able to get it now I understand that that is something I should not do, but I felt that I had no other choice because I am not allowing this to happen. I am not allowing them to get away with this, especially with my car not starting and all my important things that were in that car let alone my children Social Security cards are gone. I know these are items that should not be in a vehicle but at the time unfortunately I have no other choice, now when I receive this condition name report, I am able to verify that my items were still in the vehicle. My car did not look ransacked as I did when they brought it to me. I dont understand how XXXX XXXX XXXX is stating that my vehicle came in like that because on their pictures, it clearly shows it was not like that, I need someone to please help me. I have been calling everywhere and I am not getting anywhere. I feel that this is a matter that someone has to take action because it has happened to many people from this location as Ive noticed on their reviews and I feel that it is not right for them to be getting away with this, XXXX, the main security did mention that he is a retired cop either. Thats a lie, or he got fired because he is a crook. I paid capital one over XXXX to get my car back and to deal with this is extremely disappointing. I need help!!! Id appreciate help in my situation. Theres more to this but Id like to explain once I get the opportunity to speak to somebody from CFPB.
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06/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Capital One has been deceptive in providing false information in regards to credit and sending statements alleging I owe a debt from me using my own credit that XXXX went to get via federal reserve notes. Credit creates debt! Debt doesnt create credit! As of XXXX XXXX continue to send deceptive forms via mail and email alleging I owe a debt that was created by way of credit for it to be applied to an open end credit plan that is due to me the original creditor 18 USC 914. MY CREDIT IS A RIGHT GRANTED ( NOT AN PRIVILEGE ) I CAN ONLY EXTEND MY CREDIT TO CAPITAL. YOU CANT GIVE CREDIT NOR EXTEND. I Have THE POWER TO ACQUIRE ANYTHING I WANT, NOT CAPITAL, I DONT NEED YOU, YOU NEED ME ( MY CREDIT ). Ive been defrauded by Capital!
According to 15 USC 1601 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Congress goes on to inform in 15 USC 1602 of who the original creditor is, which is I the natural person and that I have an open end credit plan in which Capital has put a limit on my plan and created a deceptive monthly statement alleging I owe when I applied for credit. 15 USC 1602 ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. As you can see in ( XXXX XXXX of this title the term " person '' is a natural person or an organization, meaning I have the power to be either or and ( f ) " credit '' gives the right granted to incur debt and defer its payment. XXXX XXXX XXXX let 's us know that " creditor refers only to a person who both ( XXXX ) regularly extends, ( XXXX ) and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or no such evidence of indebtedness, by agreement. ( The quality, state, or condition of owing money. 2. Something owed ) ( In the case of an open-end credit plan involving a credit card ) My social security number was used to obtain credit and went to get the credit from the federal reserve notes, that is how Capital became a creditor but you were never the original creditor. I am aware of and so should Capital be of the powers an duties in case you forgot listed pursuant to 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. We know from 12 USC 1431 that banks can not loan money. So, why are you sending monthly statements alleging I owe? I can not owe or loan myself my own credit that is extended to pay back. That just doesn't make sense. Therefore, Capital you created a deceptive form and starting collection which is a violation of the federal debt collection practice act. Pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of any debt. Therefore, every statement sent would be considered false and deceptive. Pursuant to 15 U.S. Code 1692b. You can't say I the consumer owes any debt or communicate with me the natural person without my permission ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 U.S. Code 1692e. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Pursuant to 15 U.S. Code 1692k - Civil liability you are responsible ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and The judge courts can't say I owe a debt so why in world do you think you have the ability to so lawfully? 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
This will show cause for my allegations of identity theft and financial fraud reasonable and may it known to the CEO of Capital nunc pro tunc, I now dispute all prior charges and statements and I demand all prior payment excluding the first payment arrangement be redirected to I the consumer until your agency can provide direct evidence by proof of claim that I consumer directly am obligated to pay an obligation security pursuant 18 USC 8 of the United States, furthermore any of a unverified financial matter is fraud and causes me damages and any direct duress, mistake of material facts or coercion causes mental anguish, so be it, I have given my statement of truth and I directly expect a response within 14 days of proof from receiving this herein dispute, so be it.
Attached is proof of credit via Library of Congress!
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05/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This will be my second complaint against Capitol One. Truthfully, I am quite appalled at their response to my initial complaint regarding the 30 day late payment on the walmart credit card. Its not that their response wasn't investigated diligently, its that their conclusions are based on several assumptions and there isn't proper context to what they are claiming happened. So as not to make the same mistake Capitol One made in their response to my initial complaint against them, I will give you proper context and background to the situation so you are aware of why I am getting shafted by them.
Walmart decided to switch their credit card portfolio from XXXX XXXX to Capitol one in XXXX. Capitol One officially took over the portfolio on XX/XX/XXXX of XXXX. The following link is proof of that. XXXX XXXX XXXXXXXX.
The reason that date is very important is because that is when my account became delinquent. According to Capitol One 's response, " According to your Walmart billing statement dated XX/XX/XXXX ( enclosed ), your account was reflecting past due at the time, as the minimum payment due for XX/XX/XXXX was not met. '' They later state, " You made a payment of {$60.00} on XX/XX/XXXX, which did not meet the minimum payment requirement of {$77.00} by XX/XX/XXXX. '' Finally, after several paragraphs of them attempting to explain their position which I will also address in this complaint, they say " We understand you would like us to modify the information we reported about your account. Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about this account. '' Although that data may be factual, it does not provide context and it doesn't address my concerns in the slightest. For starters, the billing statements they provided with closing dates from XX/XX/XXXX, XX/XX/XXXX, and XXXX second, are from Walmart/XXXX XXXX. They are not from Walmart/Capitol One. Capitol One didn't send me a statement until the closing date of XX/XX/XXXX. And although they are able to either generate or provide me with copies, Capitol One is neither XXXX XXXX nor are they Walmart. How do they know whether these bills were sent out or if I ever received them? This answer does not even attempt to address the fact that I complained I did not receive a statement during this transition period until AFTER the transition was completed. It also does not address the fact that the store clerks themselves would not accept my payment because their system would not ALLOW THEM TO. Is it so difficult to believe that because the transition from XXXX XXXX to Capitol one took months to be able to get every single one of the millions of Walmart credit card customers transferred from one system to the other that there would be some hiccups along the way? Is it difficult to believe that not every single Walmart store in the nation would be able to have their new payment systems up and running for the transition at the same time therefore also causing some hiccups along the way? Is it also difficult to believe that because XXXX XXXX was going to lose a huge part of their portfolio to Capitol One they would simply lag or attempt to cut corners in this transition and therefore affecting Walmart 's customers? I would say that not only is it not hard to believe, but that it is more likely to occur than for someone like myself who has 31 accounts on his credit reports dating from XXXX until today with a diverse range of accounts from mortgages, auto loans, credit cards, and personal loans with out a single 30 late payment on ANY of them for the last 24 years besides this one 30 day late from Capitol One Walmart which occurred during a botched transition period from XXXX XXXX to Capitol One to have actually paid 30 days late.
The rest of their investigation and their statements are hogwash. Their statement I made a {$60.00} on XX/XX/XXXX which did not meet the minimum requirements is irrelevant when you consider I never received a statement for XXXX nor XXXX and the store clerks couldn't figure out what was going on or what I was supposed to pay. When I finally got a hold of someone who DID accept my payment they said the minimum amount was {$60.00}. I paid what I was told because I had no other choice but to trust the employee since no statements were being received during this transition period. By the way, that was the last time I was allowed to pay until the transition completed and I received a statement from Capitol One in XXXX. When they said " XX/XX/XXXX We called you to offer assistance : o You stated you would make a payment in store for an amount lesser than the minimum payment due ; therefore, our agent offered to enroll your account on the Specialty Assistance Program. This program waives past due fees for 3 billing cycles. And if your account was still past due at the end of the 3 billing cycles, you would stay enrolled in the program and we would continue to waive past due fees until your account was up to date '' Of course I was upset and was attempting to have Walmart mediate. The minimum amount Capitol One was charging me was inflated due to the penalties I was being charged for payments I was not allowed to make due to this transition. I was expecting for Walmart who I had been paying on time for the last 7 years help mediate for me with a problem they helped cause. Of course they never did, they STILL COULDN'T ACCEPT MY PAYMENT. Even Capital One 's own statement of " We waived the past due fee of {$38.00}, assessed to your account on XX/XX/XXXX ( prior to the conversion ) .No past due fees were assessed by Capital One during this period '' is total nonsense.
So what if Capitol One didn't assess late fees during this period? XXXX XXXX did due to their improper billing errors and Capitol One certainly attempted to collect them. Also, if they weren't assessing or attempting to collect any late fees, then why would their agent offer to enroll me in a program which waived late fees for the last three months? This kind of investigation and statement from Capitol One is complete lunacy. Furthermore, they only waived 1 month of late fees not two so their attempt to portray themselves as altruistic is not an accurate depiction of themselves. I was charged two months of late payments from XXXX XXXX during this transition period, One on closing XXXX XX/XX/XXXX, and one from closing date XX/XX/XXXX. Both were part of this transition period and during a time I was not receiving bills or allowed to make payments at Walmart properly or in a manner which wasn't sporadically accepted.
Even their statements where they called me and left messages are irrelevant because it clearly shows I called back both times. The second time I even paid them whatever money was owed as I had no other choice but to do so and quite frankly I felt defeated at that point. I was tired of constantly getting nowhere with anybody and I do pay all my debts as agreed as is clearly shown on my credit history with 30 other creditors. In the end, all of this occurred because a conglomerate like Walmart couldn't stay married to XXXX XXXX and decided to divorce them and remarry Capitol One. And me as their dependent am suffering because of the messy and unclean divorce. I am now so upset that I am strongly considering suing all three entities involved. I should not have to suffer and have my perfect credit ruined simply because Capitol One is standing on their high horse and won't accept the fact that I am the one who is suffering for a transition that was poorly handled and was caused due to no fault of my own. And what of their faults? What about the Fair Credit and Billings Act? Does that not mean anything to them? I am supposed to receive statements. I didn't. When I went to the store to address it, I was given incomplete information or no information or help at all. Bottom line, where does their responsibility in this lie? They took over on XX/XX/XXXX and knew they would be taking over at that time for months but they couldn't get their act together to bill all their new clients from the beginning in order to avoid these problems? We just have to suffer the consequences for their inability to do things in a timely fashion?
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09/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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These people don't value their customers or their relationship with them. I disputed XXXX XXXX dollars worth of authorized charges on my credit card account back in XX/XX/XXXX from a lawyer who ended up scamming me after we paid for his services. I went through the whole disputes process, and the Capital One Disputes department didn't accept my proof of me being scammed which is in black and white. I showed them several pages from the court transcripts, showing by the attorney 's very own words that he was unprepared, and did not file a motion prior to court which had he done, the case very well may have been won. It also showed that what he claimed he didn't know, all the sudden after getting my last dollar, he very well did know, because the prosecutor and judge stated it twice in the court room ... And even with all that, they said I didn't submit enough proof and they needed a second opinion ... Ok -- So I provided them with a second opinion. And THAT wasn't good enough!! All because, get ready for this ... it was in the form of an email, and not a written notarized letter!!! Another lawyer wrote his email that I had showed them free of charge for me. Obviously if he took the time to write a physical letter and get it notarized, he would've charged me. And I already paid {$600.00} for this dispute. I wasn't about to pay more money ... For what?? For them to just say yet again that they needed more information?? Ridiculous!! The court transcripts were plenty of proof, but that wasn't good enough. Seems as though they automatically favored the merchant, as all he stated was, " She agreed to our terms and conditions. '' That was apparently enough for them to deny my claim.. Seriously?? A vague statement like that??? Here I am paying XXXX XXXX dollars for actual court documents, and taking the time to explain everything and point out my proof in the transcripts.. And this XXXX responds with a measly few words, putting no real effort into his rebuttal at all, and they just go in his favor??? XXXX!!! I left a bad review on Capital One 's XXXX page. The person running the page claimed they sent my information over to their partner team within Capital One, whatever that means ... Someone called me alright. And as usual, got absolutely nowhere with my blood boiling and precious time wasted. Told me the reason they denied my claim was because the charges are " too old '' ... XXXX. I've been sent several letters regarding my dispute, and they all say it's because they need a " second opinion '', which I've already provided them with. All of the agents I would get on the phone would tell me the same thing as well. And the charges apparently weren't too old back when I filed the claim months ago, or they would've never processed my dispute to begin with! They would've just told me right then and there that the charges were too old to dispute! It's clear that Capital One will come up with anything they can to not do their job when it comes to helping and protecting their customers.
The company stated they began a so-called " reasonable investigation '', despite the dispute being outside the timeframes in which they can charge back the amount to the merchant.. as if they had done me a favor for allowing me to file a dispute. Yet, under the federal Fair Credit Billing Act, for disputes under the claims and defenses category, the cardholder can file a dispute with the card issuer at any point up to one year from the statement listing the purchase ... Additionally, it was not clear that I was scammed until I paid the merchant 's lawyer the very last bit of money I was billed. That is when the lawyer told us we no longer had a fighting chance. Where as before collecting all my monies, he told us that our chances of winning the appeal were very good. I had spent the better part of the month trying to get my money back from the merchant, but was unsuccessful. It was shortly after that when I had contacted Capital One to dispute the charges. Due to the circumstances of the type of transactions I was opening a dispute for, even if I was outside of the timeframe ( which I wasn't ), I should have been given the right to file my disputes without being felt like the company was doing me some kind of favor. And according to the federal Fair Credit Billing Act, they weren't ... In response to the company mailing me letters regarding the dispute in which they were not receiving responses to -- I had just moved into my new house back on XX/XX/XXXX, which happened to be around the date that Capital One mailed me their first letter, and I was not receiving all of my mail for the better part of a month, because after speaking with the post office, they had come to the conclusion that one of the two mail carriers was unaware that people were occupying the home at first, and it took the carrier a good few weeks to realize it. It was on a recorded line on the company 's end, that I have told them several times during the month of XXXX that I was not receiving any of their letters they had told me they sent me during the end of XXXX and all through XXXX, minus the two remaining days of the month. The first time I told them back in XXXX that I was not receiving any of their letters, they should have either sent their correspondences to me via XXXX or XXXX special delivery, or emailed me all their correspondences -- Which going by all their emails to me in the past, they are quite capable of doing ... But instead, they just kept mailing me letters via regular U.S. mail, regardless that I told them I was not receiving any of their letters ... The correspondence in which the company is speaking of that I sent them on XX/XX/XXXX, was a phone call that I had made to them after finally receiving a letter from them in the mail on that same day. I was responding to their letter dated XXXX XXXX, which was the first letter I received from them at the new address ... During the phone call, I requested the company to email me a secure link, where I would be able to click on and upload supporting documentation. They did so, and I submitted my documentation ... It was the actual court transcripts, specifically the pages that show the merchant 's lawyer admitting that he did not file a written motion for probable cause, and was unprepared at the trial ( in which case the transcripts actually show him apologizing to the judge for not being prepared. And then ... Well you know the rest, because it's already in my initial complaint against the company ... But apparently, as stated by the company in the first paragraph of the second page, they were " unable to assist further, as my response didn't include information needed to validate my dispute. " ... I don't know about you, but I think court transcripts, which show words coming straight from the horse 's mouth, which only cost me {$600.00} to obtain from the court, is plenty of information needed in order to validate a dispute ... In response to the company 's statement in the second paragraph on the second page, I did provide a valid second opinion -- on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as admitted by them. But they had concluded that their so-called " original decision was valid '' and would not be changed ... So, the company notably admitted right there that after me already spending {$600.00} on court transcripts, and then going through the hassle of calling lawyers trying to get a second opinion because they had requested it, they yet again refused my supporting documentation ... I said it before and I'll say it again. Capital One is horrible, and clearly does not care about their customers or their relationship with them. The company completely mishandled my dispute in every aspect, and mistreated me -- as opposed to the merchant 's lawyer, who after all the documentation that I worked so hard to get together, responded to the company with one simple statement -- " She agreed to terms and conditions. " ... Seriously?!? I tried. I tried very hard to make the merchant pay me back -- directly and via a dispute claim with my card issuer ... But after all this, in which case I really hope you see what's happened here -- I believe Capital One should now be the ones forced to reimburse me ... Because again, they treated me unfairly, and mishandled my dispute in every aspect.
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09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Complaint Submittals Re : Requesting Complete Deletion of a Kohls Credit Card Account from All My Credit Reports To Whom It May Concern : Despite my repeated attempts over a past year period, requesting issuer Kohls to delete my former credit card account # XXXX and debt from all my credit reports ; it has refused to do so. This closed account and its transferred debt has remained falsely in my name since XX/XX/XXXX and is causing diminishment to my financial creditworthiness and personal integrity. Overall, a continual negative bias towards me in any future business-related opportunities that may arise. Lengthening my injuries further, my most recent documented evidence presented to Kohls and the credit reporting bureaus in this matter have only caused Kohls to now designate me as a write-off in my credit reports. I am desperately requesting CFPB to please intervene on my behalf to resolve this matter. Because as a fraud representative of the XXXX Credit Bureau ( XXXX ) informed me as paraphrased. Your claim of credit report fraud/inaccuracy ( XXXX fraud XXXX # XXXX ) by Kohls, or regarding any creditor for that matter, that may exist in any consumers credit reports can not be deleted by a credit reporting bureau arbitrarily without Kohls or a creditors expressed permission to do so ; despite any evidence presented to the contrary. Understand? Before his remarks and my considerable efforts thus far ; I had thought that credit bureau reports were based on impartial accounting records of legitimate and documented facts -- period. So, I am herein offering again, the following detailed explanations with attached official records but now to CFPB directly ; with sincere hope that it has the power and if it finds what I am requesting herein both factual and reasonable. It will thereby cause the deletion of this bogus Kohls debt, account and or charge-offs completely from all my credit reports. Or at the very least, explain to me in writing for what reason ( s ) it can not fulfill my request. I want to understand!
My debt obligation to Kohls et al., was transferred in a Divorce Decree dated XX/XX/XXXX. And Kohls and other accounts were closed by me personally after that date before I moved to XXXX. And I have had no business relationship or contacts with Kohls after moving to GA whatsoeveruntil. I began reviewing and inquiring into my credit reports in the summer of XXXX. Prior to that year, I had been personally addressing my known legal creditor obligations via emails and mailings without credit bureau report use. XXXX XXXX had displayed a credit score for me at XXXX in XXXX but today its XXXX. And although my former wifes payments were logically applied firstly to my pre-divorce Kohls debt as so Ordered by the Divorce Court. She alone, was accountable for that debt and with Kohls assistance further assumed continual use of my former but closed account.
My former wife graduated from one of the most prestigious public high schools in XXXX, XXXX XXXX, and later from the XXXX XXXX XXXX a four-year college ; each awarding her XXXX XXXX XXXX of record. And throughout our marriage she never had or wanted to maintain full time jobs with benefits, opting instead to do part time or contractual work when so desirous. She was a very intelligent and capable individual. From our discussions before divorce, I knew exactly what accounts in my name she wanted to continue using. After our divorce and before relocating to XXXX, I told her that I had gone to several local stores and closed accounts in my name but was told by them that she would have to re-apply to put my closed accounts in her name. And she already knew she was legally responsible for some debts. My suspicions, she did just that; but was rebuked in her attempts to do so by certain creditors probably based on gender, housewife status and or employment related rationales by some creditors computer program analysis. Therefore, she then asked or was offered continual use of my account in my name. That was a Kohls decision alone but not mine! The irony, as my XXXX credit bureau reports indicate, she had honored consistently their mutually beneficial verbal deal for approximately five years ; seemingly without her and Kohls having any written contractual agreement between themselves to abide by?
To date, I have communicated with Kohls via numerous phone calls and provided it with postal certified mailings with evidence that my claims made here are factually truthful. In that I am not responsible or liable for maintaining any credit account or debt obligations past or present with Kohls. Its latest verbal assertion : I am a co-signor or guarantor to her Kohl account. That is patently false and absurd, given our Divorce Decree declares exactly what and how our mutually agreed upon divisions of assets and liabilities after 42 years of marriage were divided and assigned to each of us. Furthermore, my pre-divorce XXXX XXXX credit card debt was also transferred to her via our Divorce Decree. I believe she made her payments and charges to that account by the same Kohls scenario. This must be a common practice with some creditors? However, her XXXX XXXX debt and account under my name were finally deleted from my XXXX report. Though again, she was not personally account eligible ; but keeping her business patronize sure was!
Writing this letter has been very discomforting on several levels for me, in that my former wife died from XXXX on XX/XX/XXXX. Before our divorce was finalized my wife and I were both keenly aware of our individual property rights and obligations as well as how our divorce decisions would impact the financial interests of others. Our divorce settlement was not fashioned by The Court ; rather we prescribed the particulars, and it sanctioned them. Via a sworn, legal, and properly executed public document pertaining to all parties holding specific interests in such matters. This concludes my explanation for needing the CFPBs help. And hopefully, the following uploaded official records will further support complete deletion to all references past and present of a Kohls account from all my credit reports. Also, for future assurances to avoid the obvious workload forced on me by their errors. Maybe Kohls as well as XXXX XXXX should remove me completely from all their internal files? Im hoping to relocate ASAP with accurate credit reports in toll and dont wish to revisit and explain these same issuesEver Again to Anyone!
Copies of ten official records marked in the numerated sequence below are uploaded : 1. Pertinent pages of Divorce Decree regarding the Kohls account and others ( 2 pages ) 2. Page 5 dated XX/XX/XXXX of my XXXX Report : Wherein Kohls payments are Rated as OK from XX/XX/XXXX to XX/XX/XXXX 3. Page 5 dated XX/XX/XXXX of my XXXX Report : Note the changes in Kohls record?
4. My current XXXX drivers license issued XX/XX/XXXX 5. A Kohls bill ( XX/XX/XXXX ) in my name but not sent to my correct mailing address. Before our divorce was finalized, my wife had already moved from our XXXX XXXX home to live with her parents at XXXX XXXX XXXX -- where Ive never resided. Upon vacating our former XXXX house for the new owner ; I immediately moved to XXXX, XXXX, temporarily living with relatives until eventually moving to my current XXXX, XXXX address.
6. Kohls first written response ( XX/XX/XXXX ) to me in XXXX ; prompted by my written dispute mailed to it 7. Kohls first bill ( XX/XX/XXXX ) in my name after divorce that was mailed to my correct address in XXXX 8. A XXXX XXXX bill ( XX/XX/XXXX ) in my name but not sent to my correct mailing address. And I have never received any written correspondences from them while residing in XXXX 9. Former wifes Death Certificate 10. A recent letter from XXXX stating that I may ; provide XXXX. a valid copy of a Conservator/Executor of Estate document which authorizes me as a person entitled to manage the deceased consumers affairs. No such document type existed prior to or will after her death. Nor was she or just any creditor related business entity granted any permissions by me to use my identity after Divorce to perpetuate their own motives!
Your further consideration is very much appreciated!
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10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : CAPITAL ONE account # XXXX account type : revolving account account type -detail : revolving account XXXX code : individual account account status : closed date opened : XX/XX/XXXX balance : {$710.00} credit limit : {$500.00} payment status : charged off as bad debt payment status ( XXXX ) : **consumer statement** y item disputed by consumer account previously in dispute - now resolved, reported by data furnisher ( to be used for FCRA and FCBA disputes ) comments ( XXXX ) : dispute resolved reported by grantor also I want to take the time out now to say that this information that is being reported on both XXXX and XXXX is inaccurate and just off that one reason alone should be grounds for a deletion. However I will take the time out now to make everyone getting this correspondence that XXXX has already deleted this account and henceforth has already admitted to the account being inaccurate. I would love to see when fraud you bring forward to validate this complaint.
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01/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2021 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In Re : Case # XXXX Disputed Amount : {$4900.00} Merchant Name : XXXX XXXX XXXX
To Whom It May Concern : XXXX XXXX ( XXXX ) response to my previous request does not accurately represent the services ( not goods ) that I purchased pursuant to the service agreement ( enclosed for your consideration ) and which XXXX failed to provide me as set forth in further detail herein.
First, pursuant to section 1.1 of the service agreement XXXX was supposed to set up two ( 2 ) accounts, one for each business that I own, for which they were to provide services to. More specifically, the services that XXXX was supposed to provide to the two accounts were XXXX XXXX Services by way of : 1. Content Removal ( for negative reviews that were unverified ) ; and 2. Customer Surveys ( to obtain more positive reviews from my customers ).
From the inception XXXX was deficient and unable to set up the two ( 2 ) accounts as required by the service agreement. As of date only account was set up. This is confirmed by the fact that I was charged two separate {$120.00} activation fees, one for each account ( see PAYMENTS AND TERMS set forth in the services agreement ). As such, only partial services were provided with respect to setting up my accounts in because only one account was set up, despite being promised that two would be created pursuant to the services agreement. However, even the one account that was set up never received the services as agreed upon despite my repeated attempts to resolve the issues with XXXX via both telephonic and electronic communications to XXXX ( see electronic communication enclosed ).
More specifically, pursuant to section 1.1 XXXX was to locate negative reviews, targeting those that appear on XXXX, XXXX, and other plat formsandrequest [ those platforms ] to review and remove those reviews. Unfortunately, XXXX failed to challenge any of the thirteen reviews they listed despite my repeated attempts to advise them of their defaults under the services agreement and their representation in the service agreement that they will execute all available legal and commercial solutions for the removal of negative content. Thus, XXXX position set forth in their response, to wit, that the services they provided were received in good condition is completely contradicted by the fact that their own account statement reflects otherwise ( see screen shot of my account ). Again, this is for only one account and not the two that XXXX should have created pursuant to the services agreement.
Further, pursuant to Sections 1.2, 1.3, and 1.4 XXXX was to provide me the ability to upload my database of customer emails for XXXX to send customer surveys to for the purposes of accumulating more positive reviews to offset any negative reviews that remained on the platforms they represented they would search. However, despite my repeated attempts to apprise XXXX of their deficiencies they were never able to overcome their technical limitations to import many of our customer emails for the scope of services previously outlined herein ( see electronic communication confirming XXXX failure to import customer emails ). As per the recording of my call with XXXX on XXXX XXXX, XXXX customer service representative admits in the phone call at minute XXXX that they were unable to provide the services as agreed to in the service agreement. Unfortunately, Capital Ones online submission portal does not accept audio files, but I can provide a copy of the same upon request.
Further, XXXX position that I was required to solely communicate with them via electronic communication is directly contradicted by the service agreement itself where no such provision mandates that my communication with them ( including to their customer service department ) be made solely by electronic communication. Thus, any argument suggesting otherwise is disingenuous at best and in nothing more than a veil attempt by XXXX to cover up their own failures to provide the services as set forth in the service agreement.
In addition, Capital Ones request that I obtain a second opinion on company letterhead from another merchant in the same field that states how the service was defective is unreasonable and/or unwarranted for a variety of reasons. Most importantly, but not limited to, that to do so would place an unreasonable burden on my time to locate a similar company to that of XXXX and cause me to incur additional expenses in having to hire said company that I will never recouped solely to provide such an opinion letter at Capital Ones request. Rather, I respectfully submit that if any party to this dispute should be under an obligation to obtain such an opinion letter that it should be XXXX in light they, as current operators in their industry, could easily locate a competitor to do so given their respective industry knowledge.
In summary, I never received the services provided in the service agreement as previously set forth herein despite my numerous attempts to resolve those issues with XXXX prior to directing Capital One to charge back XXXX. As such, I respectfully request that the chargeback of {$4900.00} be credited to my account as XXXX never provided the services that I had paid them for.
XX/XX/2021 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In Re : Case # XXXX Disputed Amount : {$4900.00} Merchant Name : XXXX XXXX XXXX
To Whom It May Concern : In accordance with your XX/XX/2021, letter requesting more documentation concerning the instant dispute with XXXX XXXX ( XXXX ) I have enclosed the following pursuant to your requests : 1. A second opinion letter from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ).
The XXXX XXXX letter confirms that XXXX conduct not only deviated from the industry norm with respect to the services they were supposed to provide me, but unable to do so, but completely departed from the terms in the contract that I entered into with them to provide reputation management services. More specifically XXXX XXXX confirms in its conclusion of their review that XXXX could not even provide the basic level of services that they already set up for XXXX account let alone the second account that they failed to set up all together. Further, XXXX XXXX sums up XXXX failures to remedy the issues at hand when their review confirmed that rather than employing remedies and methods to remedy its numerus defaults, elected to stonewall XXXX XXXX once his dissatisfaction with their performance and requested a refund.
Please understand that I wanted the services according to my contract with XXXX and tried to work with them to remedy their inability to provide those services as set forth in more detail in my XX/XX/XXXX response that I previously provided to you per your request. However, it would be unconscionable and totally inequitable for me to have to pay for services that I never received let alone an account that XXXX never was able to set up due to their own internal issues and/or incompetence. Please see my XX/XX/XXXX response for further detail should you need to do so.
To aid you in your final review of this matter I have enclosed the following documents that were previously provided and uploaded to your system in response to your XX/XX/2021, letter request : 1. The contract of the services agreement ( there was no formal sales invoice provided by XXXX ) ; and 2. My XX/XX/XXXX detailed letter that addresses the issues with XXXX in great detail and their inability to provide services and/or remedy those issues as set forth in the services agreement as well recounting the many times I sought to address and rectify the issues with XXXX, but where they failed each time to do so.
In summary, I never received the services provided in the service agreement as previously despite my numerous attempts to resolve those issues with XXXX prior to directing Capital One to charge back XXXX. As such, I respectfully request that the chargeback of {$4900.00} be credited to my account as XXXX never provided the services that I had paid them for, and this matter be marked final as I have gone through great length and expense in having to respond to XXXX completely bogus and erroneous claims to the contrary.
|
09/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
I have been attempting to get Capital One to work with me, help me, or even listen to or acknowledge my complaints for nearly a year ( one year in XXXX ).
I got a response from " XXXX '' about my complaints. She said they were unable to find any info on their end to prove what I am saying. They have sunk to the lowest common denominator, calling a customer a liar. Since they are unable to find any info I will assume I will be called a liar again, saying I have attempted to fix this for nearly a year.
They have sent my account to the 2nd attorney firm.
The first one, XXXX XXXX XXXX, sent me a note back saying this issue was CLOSED.
I did and still do believe them. Then I got this letter from these 2nd people ( all enclosed ).
This 2nd people threatened and pushed and bullied and terrified me into making a payment plan on their website that I knew I could not live up to. I was not in my right mind because of these people and their tactics. I wanted to dispute the entire amount because of the letter from XXXX XXXX XXXX saying it was closed. Still I felt threatened to do that. Like I said I was not in my right mind.
They have stretched this out for nearly a year. I have been deathly ill from stress ( sick in bed unable to do any responsibilities -- had to hire someone else to help me with everything, even my interactions with Capital One -- see other complaints for more info ) all XXXX because of Capital One. Come to find out this could have been remedied back in XXXX but I never received a note from XXXX saying that she was offering help.
If I could have received this letter from XXXX on time, I could have remedied this in XXXX and never had the charge off they slapped on my credit, and the months and months of credit damage they have inflicted. All of this was for no reason, and they will not acknowledge anything. They are damaging my credit for no reason, this could have been remedied if they would have just communicated with me and not kept everything so secretive. This is all revenge.
That is minor compared to the letter from XXXX XXXX XXXX and the " response '' from XXXX. She never acknowledged, answered, or even seemed to comprehend what I was trying to complain about. She never acknowledged the letter from XXXX XXXX XXXX -- that's the firm THEY hired! One example -- There were 2 checks I had sent in for payment and they were refused and returned to me. I sent in pictures front and back of the checks along with the first complaint on XX/XX/XXXX. She said, if you want us to investigate further, send us pictures of the front and back of the checks, because we have no evidence of any refused checks. Not listening, not even comprehending. I already sent the pictures. If you compare the complaints I have sent in with her response you will see the blatant non-acknowledgement of any of the problems I complained about.
She also said that I didn't want a settlement on XX/XX/XXXX. That's not true. I talked to an " XXXX '' on the 360 side ( because they have taken away the chat on the credit card side ) on XX/XX/XXXX because I hadn't heard from Capital One at all about the complaints and I wanted absolutely anything on the books so they would leave me alone. Since they are all Capital One I figured they could get a request to anyone in the company.
I told her I wished her to send a request to the Recoveries on the Credit Card side. It took a lot of coaxing, but she told me finally that she sent a request on and that they would most likely get a email response in 2-3 days. I brought up a payment plan because I wanted to show that I was willing to negotiate and I would do anything to get them to end this. I got a response from " XXXX '' on the XXXX email a couple days later saying that they couldn't do anything about the harassing phone calls I was getting and that was it. No word of any payment plan getting through to them or any acknowledgement of anything. Never heard anything back so I figured that the info was not sent through. Now, this XXXX decided to turn it around and use that to discredit me and make me out to be a liar. I was trying to get anything on the books so they would call all this off.
I am still interested in a settlement, but I truly believe that I deserve to have the debt cleared because of the letter from XXXX XXXX XXXX.
She admitted that the last collection call they called to me was in XXXX. They called 5-7 times daily from XXXX to XXXX and they never ceased until I got a complaint through to them telling them to stop. They never admitted to me before that was them calling, even though their numbers were attached to the calls. They now say I have a Cease and Desist, even though I didn't ask for it. XX/XX/XXXX is the day they say the Data Breach happened. That is the day I started receiving 5-7 calls daily again, some 8-15 minutes apart, some 30 min, some an hour apart. This went on until about XX/XX/XXXX, the day they would have received the last complaint I made about it. I told them all about this, that it was their numbers attached to the calls and I knew it was either them or my info had been stolen in the breach and they and I were being Spoofed. No acknowledgement of my problem. I just got the regurgitated word-for-word in the response about the Data Breach from the letter they had already sent me about the Data Breach. No acknowledgement. It was completely word-for-word, even the completely fake " We want to make this right ''. All I got was ( a lie? ) that they hadn't called since XXXX and neither Firm had called me. No answers to my problems. Going against their Cease and Desist?
I also said in a previous complaint I wanted the debt cleared and it taken off my credit report. She never acknowledged that and she just said All the info being reported is correct. I never asked that. That wasn't even what I was saying or asking. Turning it all around to defame and discredit me.
I have always wanted to just negotiate with them to get this off my record, and they have just fought with me at every turn. Now they are saying that everything I am saying is false.
They are damaging my credit on purpose by stretching this out and getting me deeper and deeper into trouble. I also think this is revenge by them for complaining so much. If they would have just had better customer service, we could have both been happy and gotten this solved.
I am completely petrified of these people and I desperately want them out of my life.
I am scared to death of what they will do to me next. " XXXX '' says they aren't going after me, but the letter from the 2nd people says " It is a attempt to collect ''. Then XXXX XXXX XXXX tells me it is " closed ''. What am I supposed to do to get this on the right track to end this? I am literally scared for my life.
I have told Capital One over and over and over again that I have no job, am unable to get a job ( because of their credit damage and other factors ), and have no resources. I live 15 miles out of town and do n't drive. I have no internet or smartphone. I take care of 2 ill elderly family members so I am not out on the street starving. It costs me a lot of money to get someone to help me so I can come in here to the library to attempt to talk for hours to Capital One ( to attempt to get someone to help me ). I am unable to talk ( argue ) on the phone with them for hours either, and I truly believe they think I am making all of that up. They obviously think I am a liar at every turn.
I want this over. I am so tired of this and their tactics to keep on stretching this out. I believe they are damaging my credit on purpose and I deserve a future without them in it. They aren't acknowledging that a letter from THEIR attorney is telling me this issue is CLOSED. This should be over with and off my credit. Please, any help at all would be greatly appreciated. They are completely ruining every facet of my life. I have no idea what to do and I am completely petrified of them and what they'll do next to me. I just want this over and to end. I am willing to negotiate to get them out of my life.
Please reference my other complaints that I have made for more info. Thanks. If the CFPB needs more info, please email me.
|
04/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
On XX/XX/2023, I filed CFPB complaint # XXXX, in which I alleged retaliation against me by Capital One for my raising concerns and allegations of unfair, deceptive and abusive practices related to graduating my secured Platinum to an unsecured credit card. I also filed this same complaint with the Office of the Comptroller of the Currency on XX/XX/XXXX. In this complaint, I also expressed concerns and made allegations of abuse and retaliation against me by their agents, XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ). On XX/XX/XXXX, I received a call from XXXX, Principal Complaints Coordinator at Capital One ( Capital One employee ID # XXXX ), who called me at XXXX XXXX. PST on a recorded line, when I was living in XXXX -- and also the address listed on my account -- and on Pacific Standard Time. I have attached the XXXX call logs from my phone number, showing that XXXX XXXX XXXX to me at XXXX XXXX was illegally made outside the hours at which a financial institution may not call me before XXXX XXXX. local time to the address on the account. As noted, and as was said on the recorded call, XXXX violated the law and called me at XXXX XXXX. local time from an XXXX area code. I informed XXXX of this violation on the call. On this call with XXXX, we discussed the behavior from agents XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ), and I alleged retaliation by Capital One for restricting my accounts on XX/XX/XXXX, after only a week prior to this, I had filed a complaints alleging unfair, deceptive, abusive and unlawful practices with my Capital One Platinum secured credit card. I also expressed concerns that XXXX had told lies on my call with her and she made a threat of retaliation to re-restrict my accounts after I became frustrated and dissatisfied with her behavior. XXXX then read to me the transcripts of the calls with XXXX and XXXX, and he agreed that the call from XXXX could have been handled better. Regarding the call with XXXX, he agreed that she did, in fact, lie on that call -- she said I called her XXXX XXXX ' but as XXXX read the call transcript to me, he said on multiple occasions that I did not say that at all. Instead, as XXXX read back to me, I asked of myself : " How XXXX do you think I am? '' XXXX agreed to forward both of these calls, along with his findings and the call transcripts, to the next level above him : Capital One 's XXXX XXXX XXXX. XXXX stated that he believed that particularly my call with XXXX warranted an internal review for the way I was treated. I asked XXXX, still on the recorded line, if I had done anything abusive or anything that warranted Capital One closing my accounts for my conduct, and he assured me -- on the recorded call -- that no, I was not abusive toward any of the agents. Also on this recorded call, XXXX told me that Capital One policy is that if a customer is abusive or uses foul language, company policy is to send a warning letter to the customer prior to any credit revocation or fore-closing of accounts. I have received no such thing. On the morning of XX/XX/XXXX, I learned, by way of looking at XXXX XXXX that my Capital One accounts had been closed. Capital One intentionally, knowingly and falsely reported that all three credit card accounts were closed on XX/XX/2023. This date of closure is knowingly, intentionally and deliberately false and inaccurate ; Capital One, again, reported this false data in retaliation for my continued, legitimate complaints against them, their business practices and their agents ' conduct. I have attached a screen shot of the information showing the accounts were falsely and inaccurately reported as closed on XX/XX/XXXX. I have also included the most recent credit card statement for my XXXX XXXX account ending in XXXX, which very clearly shows that charges were made on, and posted to, the account on and after XX/XX/XXXX, when Capital One alleges the accounts were closed. Also on XX/XX/XXXX, I spoke to a Capital One representative, a Fraud and Disputes Supervisor named XXXX ( Capital One employee ID # XXXX ), who refused to verbally tell me why my accounts were closed ; he told me it was against company policy to tell me that information and that I had to wait for a letter in the main. Again, I expressed to XXXX my assertion that Capital One was retaliating against me. XXXX never once acknowledged this or took action when he was told, many times on the call, that I believe Capital One is engaging in business practices that violate the law and my rights as a consumer. I then called back and spoke to XXXX ( Capital One employee ID # XXXX ) a supervisor in the Escalations Department. XXXX verbally shared with me that all my Capital One credit card accounts were closed due to my abusive behavior on a call that took place on XX/XX/XXXX. I advised XXXX that the only call I had to or from Capital One that day was from XXXX, the Principal Complaints Coordinator who is mentioned in this complaint. I asked XXXX if it was possible that there was a mix-up between XXXX filing a complaint on my behalf for the threatening and abusive call I had with XXXX on XX/XX/XXXX. XXXX agreed to look into it and placed me on hold. When she returned to the call, she was unable to tell me the exact details of the allegedly abusive call that Capital One claims occurred that triggered the force-closing of all my accounts When I pressed XXXX for more detail, again alleging that Capital One is engaging in illegal business practices and retaliation, she refused to answer any more of my questions and began threatening to disconnect the call. When I told XXXX I had more questions, she refused to address them and once again, on a recorded line, threatened to disconnect the call -- and she did for no valid reason. I have a mountain of evidence to substantiate my claims, concerns, assertions and allegations that Capital One has abused me, treated me unfairly, deliberately stated lies on recorded phone calls, broken their company policies -- particularly the policy that XXXX quoted to me on receiving warning letters prior to force-closing accounts if Capital One alleges abusive behavior by a customer, recorded threats of retaliation by XXXX, falsifying data that has already been reported to the credit bureaus, and retaliating against me by closing all my accounts because I blew the whistle and spoke up about the illegal, threatening, retaliatory actions and behavior exhibited by Capital One and its employees. I am fully prepared to take this case before a court of law if Capital One does not wish to resolve this amicably and with a mutually agreeable resolution -- and the evidence I have amassed more than substantiates my claims. Capital One has also caused harm to my credit score and credit file, and I have suffered credit and financial losses as a direct result of Capital One force-closing my accounts. I am also concerned and worried that Capital One has collected my sensitive, private and confidential information, including bank statements with full account numbers, when I was asked to provide them all this info and data on XX/XX/XXXX. It's worth noting that any time I file any type of complaint against Capital One -- whether internally or with regulatory bodies -- my accounts immediately and suspiciously become restricted and labeled as " fraud, '' yet Capital One never once substantiates their claims of fraud. I believe that Capital One is intentionally and knowingly attempting to intimidate and silence me -- and possibly other customers -- from coming forward with legitimate complaints and allegations, by making any rectifying difficult, cumbersome and impossible. Again, I am fully willing and prepared to bring suit against Capital One in a court of law if we can not reach a mutually agreeable solution to my issues. In summary, Capital One is brazenly attempting to steamroll and bulldoze customers who they believe won't fight back, and I am not the type of person ; I will pursue this to the fullest extent of the law and seek all civil, criminal and other penalties for the financial and emotional harm Capital One has inflicted upon me.
|
12/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At the time my home was located in the XXXX XXXX condominium community. I purchased the home on As-is condition because the previous owner was forced out by the XXXX XXXX XXXX and their lawyer, now I know why the previous owner destroyed the home and left it in the condition when I purchased it, and this was an on-going scheme for these people to force other homeowners out of their homes. I did fall behind on the association dues but continued to make payments that included late fees. Then the board decided to file a petition and took me to court and I was ordered to pay {$1800.00} and {$800.00} of that amount had to be paid in 3 days of the court hearing and the remaining balance of {$1000.00} was to be paid @ {$50.00} per month. After 2 1/2 years of sending {$50.00} postal money orders to the association management co XXXX XXXX ( all money order receipts were given to my attorney, which he uncovered every money order sent was deposited in a bank account XXXX XXXX XXXX had access to ) I received another court petition file by XXXX XXXX attorney representing XXXX XXXX claiming that I never paid a dime of the {$1000.00} and now owed over {$3000.00}. I was forced to retained a lawyer that was a condominium specialist paying {$2500.00} to retain him for this ridiculous claim. After the investigation by my lawyer with this claim he discovered I only owed {$500.00} in late fees. In XX/XX/XXXX we made an offer to pay {$1000.00} even though I only owed {$500.00} in late fees ( because of the deposits of the {$2400.00} of money orders receipts ). XXXX XXXX agreed to to askthe board for acceptance. No communication in 2 months from them. XX/XX/XXXX my lawyer received a notice from XXXX XXXX XXXX demanding over {$8000.00} and if I did not pay by XX/XX/XXXX, foreclosure sheriff proceeding would begin on my home. There was no way I could come up with that amount of money in 3 weeks. So I spoke with a bankruptcy attorney, because I did want to loose my house because of some lying lawyer and board members who were attacking me because of XXXX XXXX XXXX XXXX XXXX. When I filed for bankruptcy I really did not have enough debt to file bankruptcy and was not behind on my house payments and I did not have to include it in the bankruptcy, the only debt that had late payments was my vehicle, the attorney did a crammed down the value of the car which left the amount owing {$9500.00}. This amount was included in the debt for payments being made by the court Trustee from XXXX to XXXX sent to Capital One Auto Finance total paid {$8200.00}. In XX/XX/XXXX I sold my house and all secured debts were paid and I was advised by my attorney to contact all creditors that I had unsecured debt with so that I could pay them off. I was given the amount of {$1200.00} remaining on the car loan with Capital One Auto Finance and when I contacted them on XX/XX/XXXX and spoke with XXXX ( ID XXXX ) I was told it takes 30-45 days to update the account after bankruptcy and to call back around XX/XX/XXXX, when I called back I was told the amount owed was {$12000.00} and there was no record of {$1200.00} payment balance or no record of my car being included in a bankruptcy. I called my attorney and he told me to request a payment history to be sent and to this date I have NEVER received anything. Phone calls begin with every person saying I owed over {$12000.00} at this time I thought I was being scammed. My attorney tried to contact Capital One Auto and was told a payment list would be mailed out, but never was. Since XX/XX/XXXX there has not been any more phone calls or notices received from Capital One Auto. On XX/XX/XXXX @ XXXX my car was towed away REPOSSED!!!. On XX/XX/XXXX every call I made to Capital One Auto, I was transferred from one person to another with each person having their own response to my devastating life changing issues. I was given many conflicting answers that revealed Capital One Auto can make up THEIR OWN RULES that can ruin a person credit and life as long as they get MONEY $ $ $ XXXX I filed bankruptcy to keep my house now I am losing my car!!! This is UNREAL!!!. I was not given any reasonable solution to this emotional and stressful issue revolving around my car being taken away for non-payment which is definitely a LIE!!! On XX/XX/XXXX, supervisor XXXX ID XXXX ) called and told me after review of the documents I sent them, it was determined that the repo was valid, because my loan matured on XX/XX/XXXX but I was still in bankruptcy, so for that reason Capital One Auto Finance was not obligated to inform me about the plan to repo my car or send me a payment history list. ( an example of Making Their Own Rules ) and when the bankruptcy was dismissed and not discharged the original loan reverted back and all payments made by the court was reallocated contractual because the amount of {$1000.00} was never paid, I asked what {$1000.00}, because this was the very first time I was told this amount and asked why I did not receive a letter concerning this matter, again one of Capital One Auto rules, my loan matured in XX/XX/XXXX and they were not obligated to send me anything and they could not talk to my attorney when he called because by the bankruptcy being dismissed and not discharged he was considered a third party and I would have to add him to the account to talk??? Capital One Auto rule???? and the only way I could get my car back was to pay {$12.00}, XXXX. This has been one of the most stressful and emotional draining situation I have ever experienced in my life. I am an honest person trying to stay on track with paying my debts, but sometimes people do experience hardships and need guidance to get back on track, and sometimes on your journey will include unethical people and corporations driven by greed will take advantage of you causing emotional and devastating stress. On XX/XX/XXXX XXXX ( ID XXXX ) had some compassion as a human being reviewed the account and confirmed a settlement offer by XXXX ( ID XXXX ) of {$8500.00} to get my car back. I paid this amount to get my car back, because if I did not pay this it would be sold on XX/XX/XXXX and I would not be notified of this because of the loan mature date XXXX. This is my reason for filing this complaint with Consumer Finance because of the UNLAWFUL and UNETHICAL lending practices by Capital One Auto Finance. These practices has jeopardize my consumer worthiness, and with the bankruptcy on my credit it will take me some time to build back up and then to have REPOSSESSION this will hurt me and my emotional wellbeing for a long time. This is so UNFAIR!!! For these unnecessary actions of repossession taken by Capital One Auto after dismissal ( not discharged per Capital One Auto ) of the bankruptcy and remaining balance owed was {$1200.00} {$1000.00} ) was never an option to pay and was told I had to wait for the account to be updated after bankruptcy, then told on another phone call the car was not included in a bankruptcy, all this time passing by Capital One Auto was implementing some unethical lending practices that would jeopardize my life and tarnish my credit unworthiness. I am filing this claim with Consumer Finance to recover the amount of {$8500.00} XXXX paid to get my car back, when it is documented in Black & White after ALL payments sent to Capital One Auto Finance c/o XXXX XXXX XXXX by the bankruptcy trustee at the time of dismissal Amount Owing {$1200.00} to Capital One Auto Finance for my XXXX XXXX XXXX, I WAS NEVER GIVEN THE OPTION TO PAY. The resolution I am seeking from Capital One Auto is to Refund and Return {$7200.00} ( deducted from {$8500.00} ) plus an additional {$370.00} that was paid on account XX/XX/XXXX told to me by a Capital One Auto rep on XX/XX/XXXX phone call, bringing the total compensated amount to {$7600.00}. No human being should ever be treated this UNFAIRLY and this all started with the unethical, XXXX greedy lawyer trying to take my home and now a greed driven corporation taking my car. The attached documents support this claim of the UNFAIR and UNETHICAL lending practices and making up their OWN RULES of Capital One Auto Finance
|
01/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
I applied for an extension of my Credit thru Capital One Bank on Saturday XX/XX/XXXX. I was informed that I Pre-qualified for an amount up to {$41000.00} for the purpose of an Auto loan. I was then instructed to upload proof of income to finalize the qualification process thru Capital One XXXX XXXX website which i did. I then carefully reviewed the terms and conditions, of this contract to identify any deceptive, misleading, confusing or potentially fraudulent details of our new Contract. I was given the option to wait for my documents to be verified from Capital one, or to speed up the process, present proof of income, pre-qualification letter, Identification, and proof of insurance at a Car Dealership and Negotiate the details of the financing with Dealer, come to a mutual agreement of Contract and as a result of negotiations, the monthly payment and APR, would then be finalized thru Car Dealer. That evening I went XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon. I chose a vehicle negotiated terms of a XXXX Down Payment, i verbally agreed to Allow the Trustee, at XXXX XXXX XXXX XXXX to choose final terms, Monthly Payment Amount and APR at their discretion and i would agree to any terms they felt necessary to conclude our business together as long as those terms were not to exceed the amount of consumer credit I qualified for, my only stipulation was that there would be no talk of a down payment as a condition to access my exemptions for this Trust Negotiation. They agreed. I was given a purchase order to sign, and they insured me with confidence they would fulfill their fiduciary obligation for my benefit. After a short time waiting in the lobby said Dealer informed me, they could not contact Capital One to receive my APR at that time and I would have to come back the next morning at XXXX XXXX and they had confidence in finalizing the deal under our terms they just simply needed the APR and deal was done. I returned that next morning and they stated they still could not get in contact with Capital One and could not proceed until doing so. It is my belief that the public servants at XXXX XXXX XXXX XXXX had good faith intentions to Honor our agreement in Contract but did not. Tuesday XX/XX/XXXX, i returned to XXXX XXXX XXXX XXXX, and at that time the Dealer then informed me Capital One Bank approved my documents and, in the process, raised my credit limit to {$47000.00} but was now Demanding that I would need a {$7000.00} Down Payment in order to secure any financing on that particular automobile. They tried again with a different less expensive automobile and had the same requirement of now {$5000.00} XXXX XXXX to proceed, they took notice of my personal motorcycle parked in front and asked if I still wanted to trade that in and that might help this deal go through. I inform them I had never any intention of this and that was not part of the negotiation. I then informed Dealer that they were in breach of truth and lending Act and that U.S. Code 15 USC 1662 ( b ) protected my rights from unfair deceiving practice and unlawful collection of the down payment in order to receive an extension of my credit. They said they did not recognize that code and that Capital One would not either and my only option was again choosing a different automobile and see if they could find a better result or provide the down payment. I informed them the demanded Money Down would put my family into a great hardship, financial situation. I was forced once again to leave without a good resolution. I then called Capital One I spoke to an agent explain the situation and he informed me that they were demanding a down payment as a new condition to my qualification and that the dealer was the one that required the money down. They also confirmed my income documents were fully verified and approved, and the only step remaining was agreeing to terms with the dealer BUT THEY could not supply me with an APR, but the dealer would establish that term. This could not be further from the truth. The dealer denied being involved with requiring a down payment and they insisted that Capital One was to blame for this breach of contract. I informed Dealer again that federal law covered Within truth in Lending Act specifically but not limited to 15 USC 1662 ( b ) was being violated and that I felt I was having my rights violated with extreme prejudice. They again said it was not in their hands and was nothing they could do. The next day Wednesday XX/XX/XXXX, I contacted XXXX XXXX in Washington State, I asked them if they participate in truth in Lending their message response back to me was of course. I said great if you will honor 15 us code 1662b in our negotiation then I will be there to conduct business. They're representative replied and said they absolutely would remain lawful and protect my rights under the truth and lending requirements. We came to an agreement much like at the previous dealer and had the same results now demanding {$10000.00} down payment. But as a option it was their belief that if we chose a vehicle in the {$37000.00} range, they could get the deal done. We proceeded to find that vehicle agreed to move forward with the business, and I would have been satisfied with that purchase and they felt like that was going to be the answer to this nightmare. At that point Capital One came back with a {$7000.00} required down payment. At this point, it was becoming clear that Capital One was the main problem in this deceptive, unlawful, extremely Stressful and embarrassing Behavior. But the dealer said their hands were tied. At that point I told them I was going to step outside and call Capital One myself and try to clear this matter so we could conclude our business and have a peaceful resolution. I called Capital One and they confirmed this down payment but now a requirement and refluxate on the vehicle I chose. I asked them if they participated in truth in Lending, she said yes, I then informed her they were violating federal law 15 USC 1662 ( b ) and several other truths in Lending Act Laws designed to prevent this exact situation and that they were on the wrong side of the law causing major harm to this man. I was transferred to a supervisor and explain the same to her, she and I spoke for close to 40 minutes I estimate, and I I tried over and over to point out my rights being violated and that they were breaking the law and I continued encouraging that they take this opportunity to do the right thing and make this right. She declined adamantly and it clearly was not going to happen. I cautioned her there would be legal action and consequences for their unlawful deceptive fraudulent Behavior and they would be liable for the harm they had caused to this man. I encouraged that she immediately consults her legal department before she made a legal determination that could be very negative for her business. She told me I could write her legal department a letter if I did not like her decision. I still tried to explain the significance of her actions without Consulting legal counsel but she left me no option and once again my business was unfinished I was forced to go home empty-handed with another day wasted because of this unlawful unethical fraudulent Corporation that does not think it has any Duty to " We the people '' proved thru their behavior and actions showing they believe, federal law, civil law, rules of trade in Commerce do not apply to them. There is pure willingness to disregard contract law and with a bully type mentality leave me no option to assume they do business as if they are above the laws that control Commerce and they were going to discriminate upon me, Knowingly, willingly without regards to law violate my rights and have no problem breaking the law regardless to the consequences. All of this is not to mention there was yet two more deal agreed to between myself and a Dealership with again demand for down payment at a location in XXXX, Oregon which was negotiated over the phone. The names of these public servants have been left out for this message but are available upon request and will be included in my claim.
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09/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
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Web |
|
I forgot my password for my Capital One account and they would not reset my password without sending a copy of my Photo ID. I was not willing and since I could not access my account I stopped using the card. They eventually closed my account but keep sending me emails about my account. They said my email is still attached even though the account is closed. They will not stop sending me emails.
You are now connected and chatting with XXXX.
XXXX, Hello, this is XXXX, and welcome to our Capital One secure chat service! This chat will be monitored and recorded.
Please Note : Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows.
We have not heard from you. Do you wish to continue to chat?
We have not heard from you. Do you wish to continue to chat?
You, Hi XXXX, I keep getting emails from y'all but you cancelled my account a few years ago due to lack of use of the card because you would not let me reset my password without sending you my Photo ID. I was not willing to do that so eventually my credit card was closed. Now you won't stop sending me emails.
XXXX, Good afternoon! Glad to have you on chat.
Let me just gread through your response.
You, The emails don't have a do not subscribe link.
XXXX, Thank you for bringing this to our attention. I completely understand where you are coming from.
You, can you just remove my email from future spam?
XXXX, Let me check your account here so I can further check how we can best opt out on those e-mail notifications that you're receiving.
I surely can. What's your e-mail address please?
You, XXXX XXXX, Just for me to make sure I am doing the right process for this, you're receiving marketing e-mails from Capital One is that right?
You, All emails, it seems like the ones I get consider me a customer still.
XXXX, Got it.
One moment please You, Thank you. : ) XXXX, First, I am making sure that you're not getting any marketing e-mails from Capital One. You're most welcome!
Ive updated your preferences and your request will be processed immediately. Your decision will not apply to campaigns that are currently in progress.
You have opted out of receiving marketing emails, but you may continue to receive them for the next 10 business days but rest assured after that, you should not receive any marketing e-mails from us.
Second, you mentioned you had an account with us. Are you also receiving alerts about that account on your e-mail?
You, I got an email to update my account to add texts to avoid fraud XXXX, That's noted.
You, XXXX XXXX XXXX Regarding your Capital One account ( s ) Fraud happens fastget notifications ASAP XXXX XXXX XXXX, We noticed youre not currently set up to receive important account alerts via text from us.
XXXX, I will need to locate that account to make sure we stop those e-mail notifications your receiving about it.
You, Great.
XXXX, Thank you for sharing that.
To best assist, I'll just have to verify some information from you so that I can search your account and further help. Okay?
You, Sure XXXX, I appreciate it.
I'll send a secured form here on our chat box. Please click Validate identity below, fill out the information requested and hit submit.
Just received it. Thank you XXXX.
You, The address will be different due to my moving.
XXXX, That's noted. Thank you I'm now searching for the account. Please stand by. I will get back to you as soon as I have it pulled up.
You, Thanks.
XXXX, You're most welcome.
You, Username was probably XXXX XXXX to Remember.
XXXX, That's fine hun.
I now have your XXXX account card ending in XXXX. What I noticed on this account is though you haven't used this, you still have your e-mail address attached to it that's why you're still receiving e-mail notifications.
You, Interesting. : ) XXXX, Yes so I am checking here the best way for me to make sure this e-mail is removed on your account.
May I place you on a brief hold for around 3-4 minutes?
You, Yes, thank you.
XXXX, I greatly appreciate you working with me. Please stand by thank you You, You are great to work with.
XXXX, Oh that's so sweet of you. This keeps me motivated for the whole day!
So what I am now doing is sending this issue with our support group. Kindly stand by for me.
You, XXXX XXXX, Thanks for holding. We're currently now reviewing the account.
Thanks for patiently waiting. I need to ask for you for one more favor. In order for me be able to completely remove the e-mail from the receiving these account alerts, I need to do a verification on my end.
I hope you still have time for this. Please bear with me. I need to perform some additional verification by sending you a code via text message. May I please have your mobile number?
You, XXXX XXXX, Thank you so much.
I'll try sending a 6-digit code to XXXX. If ever that system won't let me use it, then I may need to try another verification method.
Disclosure : By providing your mobile number, you consent to receive a one-time text message containing a six-digit code to validate your account. Message and data rates may apply.
You authorize your wireless carrier to use or disclose information about you and your wireless device, if available, to Capital One or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud. See our Privacy Notice for how we treat your data.
I've tried sending the code to XXXX but my apologies, I am unable to use it yet for this request. Sometimes this may happen when number is not saved on the account or name/address from mobile carrier does not match the account.
I'll need to try another verification method for this.
You, I have a different number now than I used to, that is what caused the whole issue to begin with.
XXXX, I understand. And that number 's still on file. But this is only for a one time verification so we can get this done.
I will need to perform some additional verification using a picture of your ID. Its secure and easy to complete.
You will need : A valid state-issued ID or government-issued drivers license. A cell phone or tablet that can receive text messages and take pictures.
I will send a link via text message to a number of your choosing to XXXX.
You, Ha ha. That is why you lost my business. I guess I may just have to file a complaint with the FCC. Not your fault.
XXXX, I just want to ask first, will it be okay for us to go this verification method?
You, Heck no! I explained that in the beginning of this text.
XXXX, I'm sorry but though I am working with Capital One. As a customer myself, I do understand where you're coming from.
XXXX XXXX You, I will provide the FCC proof that I have asked Capital One numerous times to stop harassing me and spamming me and that you won't stop.
XXXX, One moment please.
I do understand your point. On our end, even though this is a close account and an old one, before we can make any other changes, we are always required for additional verification. We always would love to ensure that we're on top of our customer 's security.
I also reached out to our team regarding this and this is only for a one time verification. Once completed, we can completely remove the e-mail on the account and this is all done.
You, Do you understand how stupid I would be to send me a copy of my ID to stop you from sending me unwanted emails? That is insane!
XXXX, But I do understand you're decision not to push through on this. I'll leave a note on your account just in case you reach back to us. I was able to stop the marketing e-mails.
You, I will be filing a complaint with the FCC.
XXXX, I do get your point. ID verifications here are not seen by any agents and is reviewed automatically. But again, I won't force you to do something you're not comfortable with.
You can also reach our account experts on phone if you have time to check for other available options we have to get the e-mail removed. Here 's our hotline : XXXX, open 24/7
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01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
This complaint is a follow-up to multiple Notices of Dispute and Billing Errors ( request for documentary evidence ) beginning from the date of XX/XX/XXXX of XXXX, which your organization is in receipt of. I am writing on my own behalf, with no help from anyone and the code and regulations referred to are accessible to the general public. I am aware that my consumer rights have been and continue to be violated.
From the start of the agreement, purported to be a contract, CAPITAL ONEhas engaged in prohibited debt collection activities, infringing on my right to privacy, guaranteed to every consumer. I have specifically revoked any presumed consent to litigation or communication with interloping private attorneys and their firms, yet CAPITAL ONE has violated 15 USC 1692i ( b ) in sharing my private location information with XXXX XXXX XXXX, Attorneys at Law without permission. The firm has, in turn, failed to provide delegation of authority proving the financial institution retained them, in violation of the Privacy Act of 1974. I demand to examine the delegation of authority and power of attorney authorizing litigation against I, the consumer, immediately. XXXX XXXX XXXX have engaged in unauthorized practice of law and simulation of legal process in violation of the FDCPA. Being that CAPITAL ONE FINANCIAL CORPORATION is a holding company which does not provide goods or services, they have no business sending me bills and are, in fact, acting as debt collectors as defined by 15 U.S. Code 1692a ( 6 ). Bear in mind that I am not bound and therefore have no duty to engage in litigation in the Article XXXX courts for this matter. XXXX XXXX XXXX, allegedly with CAPITAL ONE 's delegation has improperly served papers titled " SUMMONS '' for which I am not response-able. There is no docket pertaining to the papers at present and I have filed arbitration to settle any alleged disputes and claims.
Together with XXXX XXXX XXXX, CAPITAL ONE have engaged in prohibited, abusive, and deceptive debt collection practices against me, causing me mental anguish and impacting my ability to conduct my affairs. In their concerted efforts at extortion of money from me, they have made false claims that I am the obligor, alleging that I have a fiduciary duty to perform. In fact, CAPITAL ONE is the obligor, as evidenced by their own SEC filing, attached herein. In fact, they have assigned a fiduciary role of Trustee to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, per the attached T-1 SEC filing . As beneficiary, I am not liable to perform or pay and can not be coerced into a surety role for the receivables from which I am due beneficial interest. CAPITAL ONE has a controlling interest as a holding company, but is otherwise barred by banking regulations from collecting from me.
I have pointed out that the account is in a billing error status and may not be collected upon. My reasons for believing so are that the " amount due '' is a positive balance, potentially due to a computational error. The reason I am requesting documentary evidence is to clarify the accounting regarding this computational error and to ensure tax documentation has beep properly conducted. I have reason to believe that securities are being generated in my name with no equitable interest provided to me, the originator of the securities.
I require that you produce certified copies of ALL COPIES AND DERIVATIVES of the original instrument, front and back for my records. Moreover, I demand to examine the pooling and servicing agreement- either you show it to me or well do it through the courts/arbitration via subpoena. Unless my account is placed into a billing error status prior to providing me with the following documents, I will not hesitate to procure a certified FORENSIC FINANCIAL AUDIT from a firm using the XXXX XXXX XXXX.
1.XXXX XXXX balance sheet ( XXXX numbers XXXX XXXX, XXXX, and/or XXXX ) 2.Federal Accounting Standards Reports : XXXX and/or XXXX XXXX Daily Transaction Log Report XXXX XXXX XXXX 5.Profit & Loss Report 6.Off balance sheet items 7.Delegation of Power-of-Attorney 8.Bookkeeping entries and/or Journal entries 9.Cash flow statement 10.ALL call schedules and reports, including but not limited to XXXX, XXXX, and RC-B call schedules and RI-B and RC-K call reports 11. ALL 1099A and/or 1099OID forms It is a fact that the declarant is aware that by resolving this billing issue, the creditor has legally consented to waive all rights to collect on the amount in dispute in accordance with 15 U.S. Code 1666 ( e ). Pending evidence of indebtedness, declarant disputes the amounts past, present, and future, and revokes consent to direct and indirect communication in connection with collection activity.
I am aware that CAPITAL ONE, as the purported creditor, may not collect any disputed amount, that I, the consumer and declarant, do not need to pay, and that the creditor may not restrict, accelerate payment, or close an account, or make or threaten any adverse reporting to any person about the consumer 's credit standing without first resolving the billing error. Such actions by the creditor will result in the forfeiture of its rights to collect the disputed amount as outlined in 15 U.S. Code 1666 ( e ), as well as holding the creditor liable under 15 U.S. Code 1640, CAPITAL ONE for the actual damages caused to I, the declarant, as well as criminal liability under 15 U.S. Code 1611 for failing to supply requisite documentary evidence as requested for clarification and resolution of the hitherto addressed billing error. Bear in mind that 15 U.S. Code 1641 opens liability for any assignees of the instrument and account.
Documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. Pursuant to the Privacy Act of 1974, I demand to see both journal and credits of account, ledger and debits of account to verify the current accounting and taxes associated with this account. The documentary evidence must also be in compliance with 31 CFR 1.32 ( c ) as my Social Security Number was used in creation and pledging of the application, the valuable asset securing the account, and backing the receivables. " Documentary evidence, '' pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with the all caps name. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. I request the documentary evidence for tax purposes and to correct suspected computational errors.
Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with CAPITAL ONEis no exception.
Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the
instrument, the beneficial and security interest of which were not disclosed to me. Noncompliance has occurred in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ).
2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) promulgated under Code of Federal Regulations ' Regulation Z.
XXXX. Absence of disclosure of data-sharing provisions in violation of the XXXX XXXX ( XXXX ), without the option to opt out of the sharing of data with furnishers, agencies, or servicers, along with reporting.
4. Monetization/Securitization of the originating instrument ( chattel paper ) was not disclosed to me. I was not told about the process to monetize the security interest or the secured transactions which were to subsequently take place.
5.Lack disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract.
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07/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I obtained a free annual credit report for XXXX XXXX and XXXX. Much to my chagrin I saw accounts that I do not own, name variations, social security number variations and many other items that I quickly disputed over a month ago through the proper channels via US certified mail. I have my receipts. Among the disputed items was the company XXXX XXXX XXXX, address PO BOX XXXX XXXX, SC XXXX, phone number XXXX, account number XXXX. This was listed on all of my credit reports showing a false debt in the amount of {$810.00}, with an alleged or supposed date of first delinquency on XX/XX/XXXX. This was and is horrifying to me because I am not their customer nor am I a customer of any affiliates. XXXX XXXX never mailed me, never emailed me and never called me about any account or accounts with them or any other creditor. Their fraudulent information just appeared on my credit reports. They did not comply with me or with the credit bureaus within 30 days to validate the debt. Since they did not respond to my dispute I called them to inquire and possibly dispute by phone. They said it was a Capital One account that was delinquent since XX/XX/XXXX and asked would I be scheduling a payment. XX/XX/XXXX is beyond the statue of limitations. I explained that the account did not belong to me and that I needed to speak with Capital One to find out what was going on. When I asked for the name and badge number of the XXXX rep I was speaking with she changed her story and gave a different account number XXXX, different dates and false addresses and insisted that I give her my mailing address and social security number. That was alarming so I ended the conversation with XXXX and called Capital One and asked them if I had or have an account in my name. They said if I did it could be found a few different ways and when none of the options turned up an account in my name they asked me to verify my social. I was hesitant, but I was under pressure to get this resolved with XXXX. When I gave Capital One my social they discovered 2 accounts for me, which added to my anxiety. They asked if I had any idea who would do something like this and I could not hold it in anymore. I broke down crying on the phone and shared some of the worst things I have ever experienced in my life with a stranger. The Capital One Rep said she was sorry to cause me to relive the trauma, but that she was working to have both accounts removed from all three credit bureaus and needed a good mailing address and phone number to reach me and if they needed anything else from me I could fax it to XXXX. The other account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX account number CAPIT-XXXX in the amount of {$1900.00}. I have been very depressed over this because it is difficult to try to have a normal life after years of living in fear that my attackers who made my life a living XXXX may find me! I decided to check my credit reports online yesterday XX/XX/XXXX and XXXX XXXX XXXX was removed from XXXX and XXXX so apparently Capital One kept their word to have these fraudulent accounts removed from the credit bureaus in my name. I called XXXX again on yesterday XX/XX/XXXX to update them and they took me through a frightening series of unscrupulous business practices trying to pry my social security number from me, seeking to collect a debt that is not mine. They know it is not mine even after I explained to them that Capital One assured me that they would have the items removed from all credit reports as soon as possible because they verified that none of the addresses or phone numbers or email addresses used to open the accounts belonged to me ... Capital One said they could see that even the home address listed a PO Box ... Capital One asked did I know how this could have happened or who could have done this to me ... I explained to them that I am a victim of violent crime associated with gang violence. My personal information was compromised when they stole my IDs and opened accounts in my name. I am the victim in this circumstance and yet XXXX threatens to sue me and completely disregarded the fact that Capital One already acknowledged that the information on file does not match anything associated with me ... I need help to get XXXX to cooperate. They know I reached out to them almost 2 months ago with the dispute and so has the credit bureaus. XXXX needs to be removed from my credit reports and be held accountable for insubordination, non-compliance and corrupt procedures. Please help me! Concerning the statute of limitations, their representative claimed that the debt dates back to XXXX and I noticed how they refused to give her name and badge number as well and did not comment on the fact that-that was withheld from me. They also failed to acknowledge that I called them in XX/XX/XXXX when I first saw fraudulent activity related to this account on my credit reports.
They show a lack of compassion. They show greed by any means necessary ... the strong desire to collect a debt that is not mine and a desire to make me go in circles ... a stunt to keep this on my credit reports.
They act as if XXXX did not conduct a thorough investigation, as if XXXX did not contact them stating that the debt is fraud and the result of identity theft and therefore XXXX removed it from my credit report, along with other related items! XXXX removed XXXX XXXX from my credit report within the past few weeks the report was refreshed ...
XXXX XXXX claims that this is the first time they received anything from me in writing on XX/XX/XXXX yet they acknowledged receiving correspondence from the credit bureaus in writing FROM ME ... they failed to mention that they received this information in early XX/XX/XXXX.
Capital One acknowledged that the account does not belong to me ... there were 3 accounts on my XXXX credit report related to Capital One and one was in good standing though it was not mine! Capital One acknowledges that they are not my accounts ... I noticed thaXXXX XXXX XXXX also failed to admit this and that ALL of the contact information linked with the account does not match any information linked to me. This is conveniently evasive of XXXX XXXX. They are transparent.
Does it make sense that this is the first time that they have been contacted by me XX/XX/XXXX? Perhaps that is a typo and they meant to say XX/XX/XXXX or XX/XX/XXXX ... maybe it is an oversight. Otherwise, it is gross negligence on their part.
I need your help to resolve this.
Now to make matters worse Capital One is not properly communicating within their various departments to help resolve this completely. XXXX was taken care of properly but not XXXX XXXX XXXX my credit report from XXXX in XX/XX/XXXX shows 3 accounts for Capital One. Two were collection accounts and one was showing good standing pays on time. I disputed all 3 and 2 out of three were removed. The problem is Capital One listed the same fraud debt twice. I have a copy- as if trying to double dip or collect twice on a fraud debt. This is illegal. They already acknowledged that the accounts were fraud to me and to XXXX and removed the one in alleged good standing that said pays on time but left the one they sold for the same debt to XXXX XXXX XXXX and now both harass me and worst of all Capital One changed the address associated with the dispute to the address linked with the account. I confronted them because they and the credit bureaus said the address on file listed a PO BOX as the residence so the accounts should have never been approved. Either they are deceitful and took advantage of my information used when disputing and switched it in their system or this is a nasty oversight. They are caught because when I disputed with XXXX Capital One sent alleged information about the account to my parents house and all of the addresses are a PO BOX listed as residence and none of the information matches any address, email or phone number of mine. Either way I need them to remove this from my credit reports with all 4 credit bureaus and never attempt to collect again.
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01/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Hello.
I contacted Capital One on XX/XX/XXXX at XXXX to let them know that I would not be able to make my minimum payment of {$52.00}. I requested for them to remove the late fee that was charged to the account, as the payment for that pay period was late due to the holidays ( XXXX to XXXX XXXX ) and I was going to end up getting my check late, which meant my payment was going to be late and it was. My minimum payment was {$28.00} dollars by XX/XX/XXXX. I paid them all that I had in my account/all I could pay at that time, which was {$25.00} dollars. Once some more money did hit my account, again, this was literally all the money I had, I gave them {$2.00} and then on XX/XX/XXXX, {$0.00}. Obviously, I was charged a late fee of {$25.00} that the agent that day, removed. I was thinking that that was the cause of my payment for XX/XX/XXXX being a total of {$52.00}. However, the day after, XX/XX/XXXX, I saw that my payment was still {$52.00}. As I told Capital One, I was NOT going to be able to make a payment. I said it to the agent on XX/XX/XXXX as well. She said to make sure I made the minimum payment, to which I understood as, I would be able to pay it because her removing that past due fee was going to bring my payment down to {$24.00}, WHICH is payable for me and was payable for me at that time.
Now, because my payment was still {$52.00}, I called Capital One again on XX/XX/XXXX at XXXX. I gave the agent the ENTIRE story. The very first thing I said to him was that I was not going to be able to make that {$52.00} payment. It's just too high, it's too much, I don't have it, I don't have my check or any money right now and by the time that I do, my card is going to be late AGAIN. Mind you, I have been paying this card on time every month for at least a month and I have ALWAYS called in advance if I was going to have an issue with paying. Always. My credit score is not that great and the LAST thing I want to do is pay and I am always willing to negotiate. Some people are still effected by the pandemic and being able to work. Capital One understood this when I used to call them back in XXXX. But anyway...
I let the agent know that I would not be able to pay. Not only that but I noticed that Capital One for some reason, ALLOWED XXXX CHARGES to come OUT of my ALREADY OVERDRAWN CREDIT CARD. NONE of my other cards with them allow this to happen. NONE of my other cards with them do this. I have overdrawn coverage turned OFF for this card and have NEVER turned it on. Because Capital One allowed these unauthorized charges, it made my interest as much as a credit card payment! They charged me {$21.00} FOR INTEREST! For context, I had not had any XXXX charges come out of this card for MONTHS. Then all of a sudden in XXXX, I had an XXXX charge for {$15.00} come out on XX/XX/XXXX and then another XXXX charge for {$7.00}. Again, Capital One normally declines, but for some reason on this already way overdrawn card, they allowed the charges. I then went and LOCKED the card myself since they continued to allow it! I let the agent know ALL of this. He went ahead and issued me a brand new card with a brand new number and then I was transferred.
I was transferred to an agent who was apart of Capital One 's " hardships '' program which I am familiar with. I let this agent know right away that while I could not make that payment of {$52.00}, I could absolutely make the minimum payment that is normally is which is $ XXXX dollars. That is what I can pay and have been paying for this card ON TIME, for over a year. Capital One has record of this. This agent proceeds to ask me why I wasn't able to make the payment for XXXX, I explained to him that the holidays messed up me getting my check, I got it late and that is why I did what I could, the {$25.00}, and then the {$2.00}, and then the {$0.00}, so that it would be the amount of {$24.00} and they would see and have record that I AM trying to pay them on time and give them their money. I am not trying to skip out or avoid paying for this card. I don't make as much as I used to and any extra money that I do have has gone towards helping other people or family or bills.
I then explained to the agent why I would be late for my XXXX payment because again, by the time my money lands in my account, it will be days after my due date. It is not my fault, it is how long it takes for my deposit to hit my account and the fact that it only does this on business days and not weekends. I reminded the agent that I CAN pay $ XXXX, I just CAN NOT do the {$52.00} and I told him that I told the agent I spoke with the day before the exact same thing. I then told him that my interest was also too high because of the fraudulent XXXX charges. He did not let me finish explaining and cut me off. When i tried to explain to him that not only did the XXXX charges need to be REVERSED, but the interest ALSO NEEDED TO BE REVERSED because that interest amount was only what it was BECAUSE of those fraudulent charges. That was not money that I spent. It was XXXX taking out money that I did NOT authorize and now I am being punished and having to pay high interest on something and I don't even know what those XXXX charges are or where they even CAME FROM! I explained ALL of this to the agent and he simply told me " we can't change the interest because it's on what you signed for the credit card ''. That's it. That is all he said. I told him.. it doesn't make sense to make me pay interest on a charge that is FRAUDULENT and UNAUTHORIZED.
The agent tells me he is going to put me on hold and see what he can do. I wait and he comes back to tell me that there are no hardship options for me and the only thing there is for me to do is pay the full {$52.00} dollars. I tried to not get upset or angry on the phone. I explained to him that that is impossible, I don't have the money, I literally can't make that payment, I said it yesterday and I said it to him. He told me there is nothing else that he can do and that he " tried ''.
I have so badly wanted to close my cards with Capital One and this is yet another reason. I have never had this happen before, I have never had " no options '' when I call for hardship issues and not only am I being punished and having to pay for interest that isn't my fault, but now my credit history of paying them on time is also ruined and my credit score is going to drop even though I tried to do the right thing with paying on time, letting the company know, giving them literally ALL THE MONEY I HAVE. This is just beyond ridiculous and is so upsetting. I am already struggling to help my family with paying bills so we don't lose our HOUSE and normally Capital One is very understanding. All of this is on record as well as times that they enrolled me in hardship help for payments. I really don't know what to do or what to say and by the time this report is submitted, my account will truly be late and it's history will be ruined.
And even once I do get my check, the balance will be super high and yet again, I won't be able to pay it, as it will be too high for the amount that I will be able to designate toward a payment. Capital One can see that I have XXXX credit cards with them. I have always been able to pay them on time. The other card I have with them is only {$25.00} a month as well. For them to try and basically force me and corner me into paying them {$52.00}? I'm paying the price of XXXX credit cards! I already have XXXX credit cards and I'm paying over {$75.00} a month for that. Capital One asking me for {$52.00} takes that over {$100.00} a MONTH for credit card payments when I barely make over {$100.00}! I still have food, clothes, bills and shelter to pay for. I explain my situation to them and they essentially cornered me. I have normally always enjoyed using Capital One as they are always understanding and try to help.. but not this time. I tried to be as helpful as I can, even giving them down to my last cent. It is not that I don't want to pay, it is that I literally can't the amount that THEY want and are demanding.
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11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
To : Consumer Financial Protection Bureau ( CFPB ) This complaint concerns Capital One Spark Visas mishandling of fraudulent, unauthorized, yet repeated charges by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for services not rendered. I address Capital Ones fraud-on-fraud profiteering mechanism and failure to provide trustworthy credit card service. In effect Capital Ones purported anti-fraud procedure works to consumers detriment.
The Bases of My Complaint & A Brief Chronicle of Events I became a member of XXXX a gym in XXXX CA for myself and my wife, XXXX, before the Covid-19 pandemic. The pandemic caused an extended closure of XXXX with no re-opening date. Consequently, I indefinitely suspended my membership when we left California on XX/XX/XXXX. ( Enclosure XXXX : XXXX Membership Suspension Request to XXXX XXXX XXXX XXXX Membership Manager ) We did not return to California until XX/XX/XXXX.
In early XXXX, XXXX reportedly ceased its operation, replaced by a new owner, XXXX XXXX XXXX. Neither entity gave any notice of XXXX closure and I never contracted with the new entity. XXXX went out of business, and my XXXX membership expired while in indefinite suspension, when a new management took over. We could not and did not use the XXXX facility while it was closed, while we were out of state, before and after XXXX termination. Nonetheless, XXXX charged my Capital One account on XX/XX/XXXX for {$270.00} without my authorization. Upon discovering the unauthorized charge, I disputed the charge and had it removed on XX/XX/XXXX. I also requested a new card, but Capital One never sent me a replacement. But, beginning with XX/XX/XXXX statement Visa began to show account number ending with XXXX. I stopped using my Visa altogether.
On XX/XX/XXXX XXXX again charged my Capital One Visa for {$270.00} without my authorization. I disputed again and had it removed on XX/XX/XXXX. We did not return to California until XX/XX/XXXX.
To avoid any accounting confusions, on XX/XX/XXXX I paid off the balance of {$11000.00}. I also paid off previously authorized, but still pending charges of XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for a total of {$380.00}, cancelling future bill payments. These payments brought to my Capital One balance to XXXX.
However, on XX/XX/XXXX, Capital One unilaterally reinstated the {$260.00} XXXX charge on my XXXX without any notice nor explanation to me. I disputed the charge immediately as fraudulent and unauthorized, but Capital One has refused to remove the charge and began piling additional fees, interest, and penalties on the fraudulent charge, snowballing to become {$410.00} as of Capital Ones statement dated XX/XX/XXXX. ( Enclosure XXXX ( g ) ) This and other compounding, exploitative practice of Capital One shown below led to this complaint and my request for protection and relief by CFPB.
Despite my payoffs of all outstanding balance and charges, Capital One deducted on XX/XX/XXXX {$6700.00} from my automatic payment institution, causing a transfer fee of {$2.00}. I promptly notified Capital One of the double charge, but Capital One did not reimburse {$6700.00} over-payment until XX/XX/XXXX by a check. It did not get credited to my account until XX/XX/XXXX. Capital One did not add interest to {$6700.00}, corresponding to the finance charge Capital One imposes on cardholders late- or non-payment, although Capital One held these funds at their disposal for over three weeks.
In contrast, Capital One added {$100.00} interest to {$6700.00} as a presumed non-payment in XX/XX/XXXX Statement. When I reported the double payments ( {$11000.00} and {$6700.00} ) and my other payoffs, XXXX, a customer service agent, reimbursed only {$50.00} for the interest charged, stating that she could not make full reimbursement of XXXX due to her computer glitch.
When I protested the unilateral reinstatement of the disputed XXXX charge of XX/XX/XXXX in a separate phone inquiry, another customer service agent, XXXX, stated that Capital One did so because XXXX had rebutted my dispute. XXXX also admitted, however, that Capital One never conveyed XXXX rebuttal to me in any form. I requested XXXX for copies of XXXX rebuttal records and she promised to provide them, but never did. I also specifically asked XXXX not to charge the Capital Ones annual membership fee due in XXXX because I was dissatisfied with Capital Ones fraud handling and intended to close my account as soon as feasible. But XXXX failed to honor my request, and Capital One charged the annual member fee of {$59.00} in the XX/XX/XXXX statement. I had no card to use and stopped using my Visa account, but Capital One continued to pile on its fees, interest, and charges, on fraudulent and unauthorized charges, inflating fraud on fraud.
On XX/XX/XXXX, not having heard back from Capital One about my inquiries and requests, I wrote to Capital Ones Fraud Dept., in accordance with its anti-fraud procedure. ( Enclosure XXXX : XXXX My Letter to Capital One Fraud Dept . ) In it I summarized my telephone inquiries with customer service agents XXXX, XXXX, and others, and reiterated my requests for copies of XXXX rebuttal, not to charge another annual fee of {$59.00} due to my impending account cancellation, and removal of added fees, charges, and interest piled on disputed charge ( XXXX ). After three months, I have not received any response back from Capital One Fraud Dept. My further phone inquiries invariably met customer service agents who refuse to connect me to the Fraud Dept. and would only discuss the current balance due. Capital One has continued to penalize my account, adding fees, interest, etc. in the meantime, perpetuating the fraud.
Conclusion From the foregoing, I request CFPBs protection from Capital One Visas abusive and deceptive credit card practice. In a nutshell, Capital One exploits fraud as a profiteering mechanism at the expense of consumers. I therefore seek appropriate relief to nullify and prevent Capital Ones : ( 1 ) Propagating and perpetuating fraudulent charges while promising zero liability against fraud ; ( 2 ) Failing to implement an effective and timely fraud resolution ; ( 3 ) Exacting unjust interest on payments without providing corresponding interest to cardholders ; and ( 4 ) Exploiting fraud process as a profiteering mechanism to add unjust interest, fees and charges.
I further request CPFB to take corrective action against Capital One to achieve : ( 1 ) removal of all unjust charges, fees, and interest added onto fraudulent, unwarranted charges ; ( 2 ) full retraction of all negative credit reporting by Capital One against me concerning the above ; ( 3 ) appropriate sanctions, penalties, and administrative actions against Capital One Visa ; and ( 4 ) referral ( s ) to other governmental agencies for Capital Ones fraudulent credit card practice, and ( 5 ) a regulatory change to require credit card companies to reimburse cardholders the same interest as the companies charge to consumers for withholding funds for presumed late- or no-payments. A relatively simple change in computer algorithm should achieve an equitable accounting for consumers. As in my case, credit card providers do not credit early payments, but treat them unilaterally as non- or late-payments, and further penalize cardholders by adding unjust fees and interest, in effect profiteering via fraud on fraud. Such an unfair practice generates undue profit to companies without any reciprocal benefit to cardholder consumers. Such an inequitable accounting system as practiced by Capital One penalizes early paymentsa double jeopardy of financial losses to consumers without means to rectify.
Your consideration and prompt action for the foregoing will be greatly appreciated.
Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX.
Submitted on XX/XX/XXXX Enclosures : XXXX. XXXX : Membership Suspension Request to XXXX XXXX XXXX XXXX Membership Manager ; XXXX. XXXX : My Letter to Fraud Dept . of Capital One Visa ; and XXXX. Capital One Visa Statements, XXXX XXXX, XXXX.
( a ) ( b ) ( c ) ( d ) ( XXXX ) ( f ) ( g )
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Capital One XXXX XXXX XXXX XXXX, North Carolina XXXX. In this letter, I gave 30 days notice for Capital One to respond and provide me with the information that I requested. Additionally, I requested that Capital One cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Capital One cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I am in receipt that Capital One received my written notice on XX/XX/XXXX ( see attached hereto ). On XX/XX/XXXX, Capital One ignored my request, and Capital One sent an email regarding an alleged account that said Attention required. ( see attached hereto ). Further, Capital One sent another email on XX/XX/XXXX that said Please read this regarding your ( alleged ) credit card ( see attached hereto ). Capital One has failed to provide me with the validated debt they claim I owe them, and Capital One has made it clear that they are ignoring my request and they will continue with debt collection efforts for this alleged account. Therefore, I am submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Capital One et.al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Capital One XXXX. on notice, due to XXXX XXXX XXXX. demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Capital One XXXX. Capital One XXXX. is hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Capital One XXXX. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. Capital One XXXX. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Capital One XXXX. is to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX Grants wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Capital One et.al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that shows what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the XXXX ( XXXX XXXX XXXX ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Capital One XXXX. authority to collect the alleged debt : Capital One XXXX licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Capital One XXXX. is contacting XXXX XXXX from of the state, provide the licensing information from Capital One XXXX. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE. Due to unacceptable response from Capital One XXXX. XXXX XXXX gives notice that : Capital One XXXX. engaged in, and continues to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally continuing to report this alleged account and continuing to send statements and emails regarding an alleged account, as well as continuing to report these inaccuracies to the credit bureaus. These collection tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Capital One XXXX. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Capital One et.al.are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] this 12 day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :
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10/23/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX at XXXX, I received a citation and petition on my front door. The papers stated that I was being sued for a credit card debt of {$2400.00} by the alleged Plaintiff, XXXX XXXX XXXX ( XXXX ), XXXX for an account that is in claimed in default and for alleged actual damages, cost of court. The Petition states that the alleged Plaintiff 's Attorney is XXXX XXXX, who is representing the Plaintiff from XXXX XXXX XXXX, XXXX.
On XX/XX/XXXX at XXXX XXXX, I filed my Original Answer to the Justice of the Peace Precinct 3, Place 1 stating that I, the Defendant, 1. ) Deny the claim of the alleged Plaintiff stating that the Account stated is open due to the lack of and falsely otherwise documented information upon which to base a belief as to the truth of the allegation contained therein. 2. ) Deny the Plaintiff 's claim of the account stated is in default and that I, the Defendant, owe for actual damages, cost of court. I stated in my answer that Plaintiff 's complaint/claim fails to state and/or prove which relief can or should be granted for the accusation of claiming the amount owed of {$2400.00} contained therein.
I also included five detailed Affirmative Defenses backing my Denials of the Plaintiff 's claims and Requested for Judgement on 6 requests. One of my requests written was that XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX provide supporting documentation that Capital One is still the original Creditor/Holder of the stated account and proof that XXXX XXXX XXXX, XXXX is not a Debt Collector OR debt buyer attempting to collect on a debt ( which they admit to be on the citation ), to also provide proof of the claimed account being opened, proof of the original signed consent, as well as proof of me owing the claimed amount of {$2400.00} which they claim included default, interests, actual damages ( as claimed ) and claimed court costs. I included a Unsworn Declaration made under the Penalty of Perjury and Certificate of Service to the Plaintiff 's claimed Attorney and to XXXX XXXX XXXX XXXX XXXX ), XXXX along with wet ink signatures and printed name and date on each page submitted. My original answer was filed with the court and a copy was sent to XXXX XXXX 's alleged attorney and also sent to Capital One, both via Certified Mail with return receipts.
On XX/XX/XXXX at XXXX, I received in my mailbox from XXXX XXXX XXXX, XXXX a bunch of COPIES of back dated 30-day billing cycle statements from XXXX XXXX XXXX MasterCard, which is NOT sufficient validation of the claimed debt and other documents I requested for production.
Here is how the FAIR DEBT COLLECTION PRACTICES ACT has been violated by this company and how I have been majorly mislead : On XX/XX/XXXX, I spoke with two different debt buyers or debt buyer agent representatives for XXXX XXXX XXXX, XXXX, and was told False and Misleading Representations and was victimized of Unfair Practices, which caused negative balance in my current, personal bank/checking account, forcing me to take out a payday loan to cover my overdraft. The debt buyer representing XXXXXXXX XXXX XXXX, XXXX, mislead me by stating that they are a law firm representing XXXX XXXX XXXX and if I did not pay the amount of {$2600.00} owed, then more interest fees and/or charges could be added to the amount and that a judgement could be placed against me and that it could also be reported to my credit. At this time, in the moment, I was caught off guard, was driving in my car and got afraid in the moment, I was forced to an agreement that I did not agree to and defeated by forceful comments and misleading information and was not allowed time to understand my rights or request validation of this claimed debt owed or proof of this law firm and just thinking about what the debt buyers were saying and I, in the moment not knowing my rights at the time and feeling very intimidated, was thinking I didn't want the amount to increase and I have worked so hard to increase my credit scores I didn't want to take a chance of a judgement being placed against me, so I, without knowing all my rights and the status of the account at the time, agreed with the debt buyer to auto-draft payments from my checking account monthly until paid off. My initial forced agreement was with XXXX XXXX XXXX and then I was quickly forced to make a large payment of {$1000.00} on XX/XX/XXXX with XXXX XXXX, one of the debt buyer rep from XXXX XXXX XXXX, XXXX and then a payment of {$500.00} was auto-drafted from my checking account on XX/XX/XXXX ( all in the meantime I'm studying the law and my rights ). Currently, XXXX XXXX XXXX, XXXX is scheduling to auto-draft a payment of {$500.00} on XX/XX/XXXX and another payment of {$500.00} on XX/XX/XXXX. Due to the debt buyers scaring me and not knowing my rights at the time, I stupidly let them take advantage of me and had to end up taking out a payday loan just to get by, which obviously caused me more debt! On XX/XX/XXXX at XXXX, I called XXXX XXXX XXXX, XXXX and spoke with XXXX , who states is a debt collector and that the info recorded could be used to obtain a debt, about requesting to cancel/void all my future forced auto-draft agreement plans/arrangements with XXXX XXXX XXXX , effective XX/XX/XXXX and explained to him why verbally and that a written, certified validation letter was sent to the company for response. According to my credit report, XXXX XXXX XXXX reported to XXXX that the account was closed on XX/XX/XXXX and that the payment status was in collections/charge off and that dispute was resolved ; reported by grantor and also states that no payment history has been reported. It also shows that my times late are XX/XX/XXXX. XXXX XXXX does not even show on my XXXX report. On the Petition that was sent to me, it states that XXXX XXXX XXXX is the Plaintiff and original creditor, but, how can this be if Capital One no longer owns the account and if it was charged off? If I were to assume that Capital One Bank directly hired XXXX XXXX XXXX, XXXX, then I would assume that XXXX XXXX XXXX, XXXX are actual lawyers only and not a debt collector or debt buyer attempting to collect, which, on every piece of document that was sent to me from XXXX XXXX XXXX, XXXX they state on the very bottom of the document that they are law firm attempting to collect a debt. This brings me to believe that XXXX XXXX XXXX is knowingly committing fraud by not only attempting to collect on a defaulted account, but, by attempting to collect a debt by adding interests on a supposedly closed account and claiming they are the original owners of the account and that they hired this company out right in order to proceed with suing me over a claimed amount that they can't prove to be accurate. And then there is XXXX XXXX XXXX, XXXX who states they are " handling '' the account for Capital One Bank when they are actually collecting and auto-drafting my account as it reads on my bank statements that the auto-drafts are paid to XXXX XXXX XXXX, XXXX. when it states on the petition that it is the Plaintiff, Capital One who is suing for the amount claimed. In addition, the amount they were suing me for is different than the amount that XXXX XXXX XXXX debt collector originally stated that I owe via the first phone call I had with them regarding the auto-drafts. If the Plaintiff in the lawsuit is a third-party buyer or debt buyer and not the original creditor, then basically everything they say in court can be ruled hearsay, unless proven otherwise. Not to mention that it is Fraud.
I am not working at this time due to being a full-time student. My husband is a XXXX XXXX, we have 4 kids, pay our taxes and just try to live and get by from day to day. We are already under financial stress because we still haven't received our XX/XX/XXXX tax return that is owed to us and I have worked extremely hard over the past years to pay off my debt and increase my credit. And then to have a debt collector or buyer just swoop in and scare me before I knew of my rights and prey upon me through Fraud is just wrong in so many ways.
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12/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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In XX/XX/XXXX my husband and I applied for secured credit cards through Capital One after XXXX recommended the product to help restore our damaged credit. I applied online and recieved correspondence via standard mail from Capital One informing me that I was approved for a Platinum Mastercard and to make a security payment of {$99.00} to open my new account.
On XX/XX/XXXX, I made a payment to Capital One online in the amount of {$99.00} with my husbands checking account ( all of our bills are paid through that checking account and I am authorized to sign and make payments using the account ). The payment posted on my bank side on XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One informing me that my new card has been sent. I recieved and activated my card on XX/XX/XXXX.
Shortly after receiving the card we had some unexpected expenses and needed to use all of the available credit ( {$200.00} ). Given the financial hardship was only temporary and the intention when that credit card account was opened was to rebuild credit not destroy it by maxing out a credit card the first month it was issued, I made a payment of {$100.00} on XX/XX/XXXX using the SAME CHECKING ACCOUNT I used a month prior to OPEN THE ACCOUNT. The payment method was done by phone via the XXXX # on the back of the card with the automated system, however I did attempt to enroll my account online but had trouble authenticating an old account I had with Capital One years ago as my cell phone number and email are both different now but planned to call customer service to get online access resolved the next day.
On XX/XX/XXXX I contact the number on the back of the card again because I wanted to get my online access resolved. The agent advised me the bank was holding the payment I made and that we she needed to call the bank to see if the payment was going to process and without asking me conferenced the bank on the call. Since the checking account is my husbands I can not authorize the bank to disclose information regarding his account so the agent at Capital One asked me to call back when I was with my husband and in the meantime there was going to be a hold on my card. I told her that I would call back when my husband was present so he could give authorization for the bank to discuss his checking account details and asked her to help me get online access. She had me answer security questions and asked me to verify a code that she texted to my cell phone, she informed me that she would email me a link to reset my online access.
Ten minutes after I got off the phone with the 1st representative I received a call from a different Capital One representative informing me that my card has been flagged for fraud and has been put on hold and in order to remove the hold she needed a few moments of my time to verify some information. I explained to her I just did that with the last rep and the purpose of my verifying my information was to get online access she never mention or informed me that my account was flagged for possible fraud. She apologized and said there was no notes on my account from the other representative. Reluctantly, I agreed to proceed with the call to verify the information authenticating me identity. After I answered a number of 'multiple choice questions ' asking things like previous names and address ' I have used or been associated with she asked if we could contact the bank my last payment was made through to verify the authenticity of the checking account. I informed her the last rep I spoke with tried to contact the bank but I can not give permission for the bank to give information about the account and I will call back with my husband ( and STILL at this point there was NO RECORD OR NOTES in their system from the last rep I spoke with ) she insisted that I give her my husbands cell phone number so she can conference him on the call to confirm that it was ok that payment where made from his checking account to my credit card. I told her no he would not answer because he is asleep and I will call back with him when he is available.
My husband is the XXXX of a local restaurant and is always on call and by the time I arrived home he had left for work. I tried to reach him on his work and cell phone with no answer. I became very angry with Capital One after I looked at the online bank statement showing that they have withdrawn the funds for the payment in question, the payment that needed approval from my husband and the bank before they would remove the fraud/freeze from my card. I called them back upset at the unethical business practices, inconvenience, and stress they have caused-HOW DARE THEY WITHDRAW MONEY FROM A BANK ACCOUNT THEY TOLD ME THE NEEDED APPROVAL AND AUTHENTICATION FROM BUT KEEP THE FRAUD ALERT AND HOLD ON MY CARD. I figured since they already took the funds they ether needed to reverse the transaction or remove the alerts on my account. The man I spoke with during this call said the payment was a pending payment and is on hold as well. I told him that I know the difference between and pending and posted transaction and the payment WAS NOT PENDING but the transaction has successful posted and the funds have been withdrawn from the bank. He insisted I conference call with my husband and the bank. I told him no to reverse the transaction if they feel that it is a fraudulent payment and I will make the payment to them with a difference method. He said they can not reverse the transaction because it is automated and they have no control over auto payments that I will need to do a stop payment on the bank side or dispute the charge with the bank!!!! I asked for a supervisor he placed me on hold so long that I hung up and called back I went around in circles with the next couple of representatives. My husband said he would call in on his down time to authorize the payment with the bank, when he tried to call they told him that they will not speak to him without me on the line ( ever though I gave permission to talk to him AND HE WAS NOT ASKING FOR INFORMATION ABOUT MY ACCOUNT but just calling to authorize to the payment they already took ) About an hour later I was able to arrg for ME to call capital one so they could do the conference call they have insisted on doing all morning. The representative to conference call my husband in on the line. The man I spoke with during this call did not conferance me on the line but put me on hold while he called my husband on the other line at no point did tether the calls but spoke to me, my husband, and the bank all separately without conferencing the any line!!!!!! The bank informed the rep at Capital One that they would not discuss their member accounts on a recorded line! Meanwhile, I am on hold this entire time. When he comes back to the line he tell me the bank will not verify the payment because there lines are recorded and said I will need to send a bank statement to authenticate the bank. The call was dropped because my phone battery died. When I called back to see what I needed to do to get the issue resolved the rep said there was nothing I could do since the bank will not speak with them. I told him that they can stop recording the call so we can resolve this we went around in circles he was very unprofessional, rude, and was not interested in helping me fix the issue. I asked for a manager and was kept on hold so long I had to end the call. When I called back I spoke with a rep in another department that transferred me to another rep in the fraud department who was able to finish telling me what I needed to do to resolve the issue on my account. She told me she was be emailing me a link to upload a copy of the bank statement so they can prove the account number and name matches. I send that bank statement when I got home that night I never heard back from Capital One. Tried calling on XX/XX/XXXX and the rep I spoke with said they did receive the document but it has not been reviewed and he is not qualified to do the review and I would need to call back at XXXX EST.
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07/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One had no rights or consent to close my open ended credit plan with their company. As the consumer in commerce, I have In good faith, extended my open ended credit to Capital One and have done so with confidence that legality and fair measures would be met. According to Federal Law false any misleading information, such as billing amounts that are wrong constitutes Federal violation. Selling your information to other 3rd party debt collection agencies as a fraudulent charge off are a violation to Federal code. Capital One as a consumer reporting agency intentionally put derogatory marks on my consumer report such as " late payments '. Congress does not define late payments, so this tactic was used in a detrimental way to the consumer. Capital One again had no right to rescind my open ended consumer credit plan as they are not the original creditor of the account. I have not received original documentation from their corporation with signature in trust. I demand to see this piece of documentation if it truly exists. According to Congressional code not verbatim, informed consumer credit usage and education will further better the economy and unfair practices shall cripple it. Capital One is merely a consumer reporting agency, debt collector and card issuer. I, the natural person, the consumer am the Original Creditor! Below is a list of Federal Code violations Capital One has committed I seek immediate remedy and account reinstatement for my self the consumer and original creditor of this Capital One account. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) Disclosure to consumer ( A ) In general ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 15 U.S. Code 1692g - Validation of debts ( 2 ) the name of the creditor to whom the debt is owed ; Below are definitions to help better describe the figures of speech 5 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) Bureau. The term Bureau means the Bureau of Consumer Financial Protection. ( c ) The term Board refers to the Board of Governors of the Federal Reserve System. ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
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11/23/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Recently my wife had received information regarding XXXX XXXX and she thought it might be a good way to make a few extra bucks to use towards non-profit fundraising activities in which she participates. After she signed up she received a check in the mail on Friday XX/XX/XXXX, and was told to deposit the proceeds into our personal account and then withdraw funds to use for shopping and rating the experiences. The check was in the amount of {$2400.00}.
On Monday, XX/XX/XXXX, she deposited the check at the Capital One located on XXXX XXXX XXXX and understood they wanted her to withdraw the funds for the purpose of shopping to rate experiences at different businesses. XXXX initially misunderstood the instructions and withdrew the amount of {$200.00} and then made contact with the XXXX XXXX person to find out the next steps. The individual clarified that she was to withdraw {$2200.00} and purchase a {$20.00} XXXX card as her first assignment. She was asked to contact them again once the withdrawal was completed.
The following day, Tuesday XX/XX/XXXX she withdrew the {$2200.00} and was advised by the contact with the XXXX XXXX company that they would have various shopping assignments each day and to randomly select a number from 1 to 10. XXXX chose 3 and was instructed to text an address for the closest Capital One and XXXX XXXX XXXX to her location. At that time she was driving in the area near XXXX XXXX XXXX XXXX, so she provided the addresses for the Capital One at XXXX XXXX XXXX in XXXX and a XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX was then instructed to go to Capital One to deposit the {$2200.00} to account number XXXX under the name of XXXX XXXX and while making this transaction she was provided the task to rate her experience so that she could complete a survey rating the smartness of the cashier, customer service professionalism, reaction of personnel under pressure and any additional observations.This deposit was made the same day ( XX/XX/XXXX ).
At this point being charged with the task to perform the survey she deposited the proceeds as instructed and then let the party know the deposit was completed. They provided further instruction to photograph the deposit slip and make a detailed report to send with the copy of the deposit slip via email. She was then asked to write on the deposit slip " cash deposited into correct account and ca n't be refunded '' with her full name, date & signature. They also provided an address to mail this to. This instruction made XXXX suspicious and after thinking through the entire turn of events she further researched the company name to find that the people she was dealing with were not operating in a manner consistent with how the XXXX XXXX company ( XXXX ) would have acted.
She decided to go to the branch on XXXX XXXX and speak to a XXXX about her concerns. She met with XXXX XXXX about an hour or XXXX after making the deposit at the other branch. XXXX XXXX let her know that he was able to obtain the original check back from the location on XXXX XXXX XXXX and also that the proceeds were still in the other account. XXXX also gave XXXX the envelope with the original {$200.00} and XXXX to equal the remainder of the original check deposited. Under suspicion that this was fraudulent activity XXXX took action and informed XXXX that the other account she deposited the {$2200.00} into was frozen so the proceeds could not be moved or withdrawn. Our account was also frozen until this mess could be sorted out..
At this point I was contacted by my wife, XXXX, and made aware of what was going on. I left work to meet her at the Capital One so that I could get a better understanding of what had transpired and what would be the resolution. I was under the assumption and provided assurance from XXXX that we would not be liable for the fraud which my wife was victimized by and that once the matter was resolved our account would be no longer frozen. XXXX said this kind of activity was not uncommon and he was confident that the check we were given to deposit would turn out bad. He let us know that the matter would be turned over to the fraud department.
On Friday, XXXX XXXX XXXX called the fraud department for Capital One, but they had closed for the day. They returned her call Monday XXXX XXXX and she spoke to someone in the fraud department that informed her that XXXX should not have shared the information regarding the other account nor made any assurances that we would not be held responsible for any portion of the losses due to the fraudulent activity. The incident was explained to the fraud department then they gave us no expectations of what might occur next other than Capital One possibly holding us responsible for someone else 's fraud.
Since the initial meeting with XXXX we have been unable to log in to access our accounts online. We have a Capital One credit card which XXXX was trying to pay, however our online access appeared to be suspended and she was provided a phone number to call. Each time she called she was referred to the fraud department. The credit card payment is past due and we have no means to pay online and do not receive paper statements.
Yesterday XXXX was finally able to log in and noticed that Capital One had debited our checking account for the amount of the bad check of {$2400.00} which left the account overdrawn by {$2200.00}. XXXX tried to contact XXXX going by the branch and she was told he would be there today. XXXX called the branch today and was told XXXX would not be in until this coming Monday. She was told by a banker that they would call her back within an hour to discuss this after they could find out what was going on with the fraud department. The banker never called back. Unfortunately we do not have the banker 's name.She also tried to call the fraud department yesterday and left a message which went unreturned. Capital One also charged the account {$35.00} for the deposit of the bad check yesterday as well. Later yesterday XXXX was able to view account transactions and noticed the balance had been credited for the {$35.00} and the negative balance of {$2200.00} was credited back resulting in a zero balance. The account was also closed. All we have are a few emails from the bank indicating we were overdrawn and we also have a Case Number XXXX which has something to do with their internal fraud investigation.
We went to the police department in XXXX Branch today and filed a report for the fraud and were provided incident number XXXX and met with Police Officer XXXX # XXXX. The phone number on the police officer 's card is XXXX. We were pretty much told there was nothing the police could do to assist us.While we were at the police department all of our account activity was wiped clean and we could no longer view any transaction history.
We also went by a branch asking for a District Manager 's contact information and were provided only an email address for a XXXX XXXX and when we tried to email them the email bounced back indicating no such address. We have tried to work with the bank, but they have not seemed willing or able to let us know any details as to what was going on. The past few days they have not been returning calls or being available when previously telling us they would be..
We have concerns over how we are being treated as though we perpetrated the fraud, when we along with the bank were victimized. The bank however as previously informed by XXXX was successfully able to block the proceeds in the account in which the cash was deposited into and in addition, XXXX the local branch manager was given the envelope with the remaining {$200.00} to make Capital One whole. However our account remains locked where we can not manage our credit card and our existing balance of {$250.00} was inexplicably taken by the bank. It makes no sense to us that we got no notification of this pending action, nor why our funds would be taken by the bank when they had the deposit already secured from the other account.
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12/21/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Capital One has not acted in good faith. They made false written statement within their letter by XXXX XXXX, the Office of the President, Financial Services of Capital One dated XX/XX/XXXX. Capital One held an auction through XXXX and the winning bid was {$330000.00}. The investor agreed to pay that amount. Capital One was determining the net amount and refused to pay more than {$9000.00} in closing costs ( i.e. title fees, attorney fees, real estate commissions, judgments of the sellers, etc. ) in a short sale transaction. The assigned representative XXXX XXXX was nonresponsive and did not timely review the HUD1 and did not communicate with real estate agent. The HUD1 was sent two times ( XX/XX/XXXX and XX/XX/XXXX ) to Capital One and then later sent to its third party as well XXXX. The borrower agreed to pay the net amount of {$320000.00} to Capital One. Shortly thereafter, we submitted within HUD1 offer for a short sale to pay the investor {$320000.00} net amount as per the request of the loan servicer. We were unable to reach XXXX XXXX but requested that our communication be notated with Capital One that we had complied with their {$320000.00} net offer. Capital One did not respond to us. The loan servicer was informed of that offer but failed to respond prior to XX/XX/XXXX. We followed up with a second communication within the first week of XX/XX/XXXX with Capital One and XXXX. requested and they closed the file without communicating with the borrower and allegedly transferred the loan to XXXX XXXX on XX/XX/XXXX. The homeowner never received a letter notifying them of the transfer to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX as of XX/XX/XXXX has stated that they do not have the loan and never received communication. It is important to note that the XX/XX/XXXX letter from Capital One does not state that their was any assignment or that the file was transferred to XXXX XXXX XXXX and this is deceptive because how can they review a file that they later said that they transferred on XX/XX/XXXX.
It shocks the conscience that Capital One does not assist the homeowner and creates obstacles instead of helping to solve problems.
It is unacceptable that they have made misleading statement to the CFPB and myself the homeowner.
The original homeowner is my husband is XXXX for well over a year. He XXXX prematurely and big part of it was a result of the stress and heartache of this property that he tried to get rid of through a short sale for over 10 years. His estate is insolvent. The current loan servicer, Capital One is disingenuous and deceiptful in its business practices. Capital One insisted that the property be listed with XXXX which in turn stated that the property must be listed on the online auction site XXXX. The property was listed in XX/XX/XXXX. There was a winning XXXX bid of {$310000.00} in late XX/XX/XXXX. XXXX said that the property had to be relisted. The property was relisted in XX/XX/XXXX and there was a winning bid of {$330000.00}. The title report revealed my husband had judgments of around $ XXXX in XX/XX/XXXX. We forwarded the payoff judgments in XX/XX/XXXX and requested to close on the property after submitting a HUD1 statement with a net pay off of around {$280000.00} ( Deducting for the judgments owed by my husband and real estate commissions ) This property has toxic black mold as was confirmed by the XXXX XXXX XXXX Building Department and by the inspector. Delaying the file only means that the house is less valuable because the mold is spreading. Capital One is now insisting to be paid $ XXXX which does not pay the transfer tax, the real estate commission and attorney fees as well as the judgments. We know that this is unfair. My XXXX XXXX and my health is declining as a result of the stress. Homeowner is XXXX and his estate is insolvent. The bank knows this information and his judgments were provided for in the title report. 1. Winning bid is $ XXXX 2. Real estate commission, attorney fees, and judgments should be paid by the lender since the homeowner is XXXX and his estate is insolvent. 3. The property is declining in value because it has a black mole problem. 4. Capital One Short Sale Department is requesting {$320000.00} knowing that the XXXX estate is insolvent and has judgment liens of {$24000.00} that must be paid. All documents including the financial worksheet, 3rd party authorization, short sale package, MLS Listing agreement, offer and binder for sale of the property were provided. Capital One Short Sale Department was contacted on XX/XX/XXXX ( fax listing agent, 3rd party authorization ) XX/XX/XXXX ( MLS Listing and shortsale package by email ), XX/XX/XXXX ( called ), XX/XX/XXXX, XX/XX/XXXX ( XXXX Capital One, and XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ,XX/XX/XXXX sent the graceful exit forms ( XXXX ), XX/XX/XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ) credit authorization form sent and completed all documentation for XXXX and XXXX the third party providers of Capital One and they stated that they were going to list and auction the property, XX/XX/XXXX Listing addendum sent, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX and XXXX ) ,XX/XX/XXXX changed locks because of breaking into the home and police called, reported to Capital One, XX/XX/XXXX ( XXXX ) home declared noninhabitable by XXXX XXXX XXXX letter sent to Capital One, XX/XX/XXXX spoke with XXXX of Capital One , XX/XX/XXXX locksmith contacted because the Capital One Third party provider changed locks and removed the padlock installed by the XXXX XXXX XXXX. XX/XX/XXXX Contacted home preservation department and spoke with XXXX to cease and desist entry into the property. XX/XX/XXXX Capital One grants conditional approval letter on XX/XX/XXXX stated XXXX and that the file was with XXXX the shortsale underwriter. XX/XX/XXXX Appraisal of the property delivered to Capital One and it is reported that within 7 days that XXXX would list the property and that if the auction bid was completed the property would be sold. XXXX has delayed the listing after receiving all documents and over two weeks have elapsed without any listing. XXXX ( XXXX XXXX account manager ) and XXXX refused to accept the MLS Listing with photos and continuously finds excuses to reject the documents and photos such as every picture should have a detailed description which is not a condition of Capital One Short sales department. Capital One Short Sale Department assured us that we would be able to complete the process within 7 days with their third party provider and be able to move on with the sale of the property. There is no obligation or written agreement that the homeowner provide 15 photos of the home in order to complete the shortsale especially when the bank performed a BPO and has all the pictures of the home that they need that they can provide to XXXX and XXXX. They have not acted in good faith and continue to find ways to delay the process.For over four months XXXX failed to list the property and requested documents again and Capital One allowed them to delay our shortsale. I am tired and very frustrated and in desperate need of government intervention as they abused their authority and made things entirely difficult to shortsale the property. They have put me through four years of misery. I am seeking to be able to sell our property within 30 days with our buyer that has agreed to purchase the property. I had a conditional approval in XX/XX/XXXX and we need the final approval from the shortsale department without any further delays. It is now XX/XX/XXXX. Capital One has the appraisal report and refused to allow us to sell the property after giving us a conditional approval. We should not have to be subject to further delays by XXXX which clearly delayed our sale without justification and they are not our lender. The account representative XXXX has been uncooperative and not helpful at all. The bank does not even send written notices about the rejection everything is done through the third party XXXX.
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07/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for CAPITAL ONE BANK, via certified mail with a return slip [ Exhibit D ]. The C.F.O. for CAPITAL ONE BANK, received the letter on XX/XX/2022 per the date written on the return slip [ Exhibit D ]. The C.F.O. for CAPITAL ONE BANK, failed to respond lawfully to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit A ]. The C.F.O. for CAPITAL ONE BANK, failed to provide the me with the specific demands in the Validation of Debt Letter. CAPITAL ONE BANK sent a response that was not in the form of a commercial affidavit and did not include any of the aforementioned demands [ Exhibit D ]. Moreover, pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. XXXX XXXXXXXX XXXX is not a natural person therefore, is not the Original Creditor and did not extend me credit in this consumer credit transaction as referenced in the document as labeled Exhibit A. Furthermore, pursuant to 18 USC 8, it explicitly states the obligations of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. It is the US Fiduciary Obligation to pay the debt. With that being said, I owe CAPITAL ONE BANK nothing, making all statements, emails and letters from CAPITAL ONE BANK stating I owe a debt are invaild, MAIL FRAUD, billing errors, harassment, fraudulent, and false and deceptive forms. They are all fraud in the inducement. With that being said, ANY credit agreement is null and void as it is not a LAWFUL contract/agreement as it does not state the accurate creditor to whom the debt is owed or the identity of the original creditor which is false and misleading representation/identity theft, violating 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 2 ) ( B ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692j and also 15 USC 1602 ( k ) of the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). All credit reporting is also incorrect and a violation of 15 USC 1692e ( 8 ) of the FDCPA. Moreover, on XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Bill of Particulars in the amount of {$29000.00} [ Exhibit E ] to the C.F.O. and General Counsel for CAPITAL ONE BANK via certified mail with a return slip. Both C.F.O. and General Counsel for Capital One Bank received the letter on XX/XX/2022 per the date written on the return slips and USPS tracking [ Exhibit E ]. The C.F.O. and General Counsel for CAPITAL ONE BANK failed to lawfully rebut the Affidavit of Truth via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. and General Counsel for CAPITAL ONE BANK consent to all judgements made and are liable to compensate me for all violations stated via the amount stated in the Bill of Particulars of {$29000.00}. On XX/XX/2022, CAPITAL ONE BANK closed the account in question ending in XXXX without written instruction from myself, the Original Creditor [ Exhibit G ], violating my federally protected consumer rights under 15 USC Chapter 41. This further violates the demands given in the Affidavit of Truth that was received by the C.F.O. and General Counsel for CAPITAL ONE BANK, on XX/XX/2022 [ Exhibit E ]. The account in question was demanded to remain open and show the accurate balance of zero dollars ( {$0.00} ) indefinitely on their website, company records, or any and all derivatives therefore, of, and/or any affiliates within ten ( 10 ) days from receipt of receiving the Affidavit of Truth [ refer to Exhibit E ]. I am well aware that credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payments- pursuant to 15 USC 1602 ( f ). In conjunction, I am also well aware pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. Pursuant to 12 USC 1431, the powers and duties of banks are to borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. No where in the law does it state that banks have the power to loan money out or extend credit. I am aware that I am the Original Creditor pursuant to 15 USC 1602 ( g ), and I extended credit via my social security card. Therefore, CAPITAL ONE BANK is not the Original Creditor and did not extend me credit and therefore CAN NOT close the account without my written instruction/consent. On XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter, all aforementioned letters, and Bill of Particulars in the amount of {$29000.00} [ Exhibit F ] to C.F.O. and General Counsel for CAPITAL ONE BANK via certified mail with a return slip [ Exhibit F ]. The C.F.O. and General Counsel for CAPITAL ONE BANK received the letter and its contents on XX/XX/2022 per the date noted via USPS tracking and written on the return slip [ Exhibit F ]. The C.F.O. and General Counsel for CAPITAL ONE BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the both C.F.O. and General Counsel for CAPITAL ONE BANK in DEFAULT. The C.F.O. and General Counsel for CAPITAL ONE BANKs failure to cure their faults additionally means the the C.F.O. and General Counsel for CAPITAL ONE BANK willfully and knowingly violated my federally protected rights under 15 USC Chapter 41 and consents to all judgements made in the Affidavit of Truth. The C.F.O. and General Counsel for CAPITAL ONE BANK are liable to compensate me for the violations committed stated in the Affidavit of Truth through the Bill of Particulars in the amount of {$29000.00}. While waiting for compliance to all aforementioned documents sent, I received Exhibits G and H. Receiving these letters has caused me much emotional, mental, and financial distress, as they are not lawful responses to the validation of debt letter, Affidavit of Truth and Notice of Fault. On XXXX XXXX XXXX I sent a Notice of Default and Consent to Judgment, as well as all aforementioned letters and an updated Bill of Particulars in the amount of {$32000.00} for all additional violations since to the C.F.O. and General Counsel for CAPITAL ONE BANK. The C.F.O. and General Counsel for CAPITAL ONE BANK received the letter and its contents on XX/XX/2022 per the date noted via USPS tracking. I provided CAPITAL ONE BANK the opportunity to cure by DEFAULT. They failed to comply. With all of this being said, it is very clear that C.F.O. and General Counsel for CAPITAL ONE BANK have had ample time and opportunity to lawfully validate the alleged debt in question and lawfully rebut the sworn Affidavit of Truth through all documents sent. I have stayed in honor and have given plenty of opportunities to lawfully rebut only to continue to have my federally protected consumer rights violated.
|
03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : I have been a loyal card member of Capital One for 2 years and couldnt be happier with my decision to join the Capital One Family. Youve always offered some of the most competitive rates and rewards programs.
Unfortunately, in XXXX of XXXX I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in XX/XX/XXXX to find out what I can do to make my relationship better with Capital One and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privileges for using the card issued again. The amount that she asked for was {$420.00} I believe, I paid half the amount and she stated she would remove the late as long as I made good on my on time payments. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with Capital one. I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and Capital One has only fulfilled half of their agreement with me.
In XXXX, when I pulled my credit I noticed that the late payments were still on there so I call on XX/XX/XXXX and spoke to XXXX which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On XX/XX/XXXX I received a letter from capital one letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with XXXX ( which was a manager ) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that XXXX proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On XX/XX/XXXX I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the Capital One Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to XXXX. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now.
So this leads me to contacting you through this letter in hopes that you can help me with what I was promised and see that since I have been making good on my half of the verbal agreement. I would have made sure that I received a letter first before doing such an act in paying but I thought that since I am an honest person that she would and your company would be the same. I feel like I have regained your trust and knowing that since this happened I have not been late on any of my payments that I have with Capital One. I urge you to pull the recordings from said conversations with each representative to verify what was promised.
I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are XXXX XXXX XX/XX/XXXX. I paid in full in XXXX when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that Capital One believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.
Regards, XX/XX/XXXX To Whom It May Concern : In response to the document that Capital one wrote to me stating that my account was correct, I have found some issues with the information. I enclosed the original letter where Capital one stated that the information was correct but when I went on my account on line I found other issues and I have enclosed the reports that I have found on my account. The dates that were stated were late was XXXX 30 days, XXXX 30 days, XXXX 60 days, XXXXy 90 days, XXXX 120 days, and XXXX 150 days late.
The first proof I have is the XXXX Year end summary. It stats that I was charged late fees for the following months : XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was cleared up for XXXX and XXXX. XXXX was never reported on my credit so that would make XXXX 30 days and XXXX 60 days. The XXXX year end summary shows no fee was charged for being late in XXXX, XXXX, XXXX and XXXX.
Enclosed is also a paper showing where I paid the XXXX bill that was verbally agreed upon in the amount of @ XXXX which was half the balance due. XX/XX/XXXX summary shows never late on the credit report but was charged a {$25.00} late charge. XX/XX/XXXX summary shows I made a payment and that the amount I paid was above the new balance amount that was billed to me. XX/XX/XXXX summary shows the balance is different from the XX/XX/XXXX. I made a payment in XXXX so I do not understand why I was charged a late fee from the month before. XX/XX/XXXX summary should be 30 days late and was charged a late fee of {$35.00} not the regular {$25.00}. XX/XX/XXXX summary should be 60 days late and was charged {$35.00}, the account was then suspended. XX/XX/XXXX summary shows that no late payment was issued and the account shows suspended. I believe that if in order for Capital one to report this as being late they should charge me the late fee which they did not for this month. XX/XX/XXXX summary shows that the account is restricted which I do not understand since it went from suspended to restricted and this month I was not issued the late fee again. I do not understand how Capital one can report late payments to the credit bureaus if they do not charge me a late amount. XX/XX/XXXX summary shows no late charge, balance is different and it is still restricted. XX/XX/XXXX summary shows the amount I promised to pay verbally and no restrictions on my card. XX/XX/XXXX summary shows payments have been made on time, which was agreed upon verbally with the customer service representative. As to this day I have not been late and have made my payments in a timely matter.
I do not understand how Capital one can support these findings since it clearly shows that they sometimes charged me for late fees, sometimes didnt, and also sometimes didnt report me for being late to the credit bureaus. Capital one made my account show suspended then after still not paying switched it to restricted. I owned up to what I did wrong I just hope that Capital one will own up to their representative making me a verbal agreement and remove all the lates off my account. I have showed several documents that are attached that Capital one doesnt report accurate items to credit bureaus.
Please look into this farther and see that I held up on my part of the verbal agreement and Capital one has not and they have different information then I do in my files.
Thank you for your time.
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03/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/2021 I received a call from Capital One regarding fraudulent charges at a Walmart in XXXX Tx. for approximately XXXX. I was informed by the Capital One Representative that the perpetrator tried to use my credit card ending in XXXX and they declined the charge, then the perpetrator tried to use my credit card ending in XXXX for the same transaction and they declined that charge as well. The Capital One representative wanted me to verify some information on the phone when they called and I refused because I had no idea if the call was actual or someone fishing for information. I immediately contacted the phone number on the back of my card and I was immediately sent to the fraud department. The representative there confirmed the same thing that the representative on the phone was telling me. The Capital One Representative immediately called me back to see if I was speaking to Capital One on another line after I hung up with him to contact the number that I was familiar with. The perpetrator also did a cash advance on my credit card on the same date.. XX/XX/2021. Capital One credited all charges back to my credit card but refuse to credit the {$140.00} to my credit card for the cash advance. They are siting that the Cash Advance had to have a pin number. I explained to them that I never requested a pin number. They allowed this perpetrator to change my address, phone number and email address on my account numerous times. When I spoke to a XXXX in the Fraud Department, she was the only sensible person that tried to find out how this perpetrator was continuing to change my address, phone number and email address. Capital One should have had notes that this was happening to me because I had already changed my information back several times. She discovered that they were making these changes online through the banking department. She tried to halt any transactions being done online and she was not able to do it. She then transferred me to the IT department to assist me with taking care of halting any transactions being done online and he was not able to assist and he transferred me to the banking department. The representative there informed me that they had already stopped the checking/savings bank accounts that were opened in my name and the wallet. They informed me that no other transactions could be done through the banking account such as changing my name, address and phone number etc., The perpetrator still continued to update my information fraudulently. I requested fraud letters informing me of what was charged on my credit cards to report on my Police Reports and Capital One sent these letters to the perpetrators address at XXXX XXXX XXXX XXXX, XXXX TX XXXX. I had to request the letters numerous times and information of what was charged on my accounts. Finally, I got a representative to send the letters to me through docusign. I have explained the situation several times to them. I don't understand how Capital One would tell me that because there was a pin number involved for the Cash Advance, it had to be me when they have allowed this perpetrator to change all of my information and this person was receiving all of my information. The Dept. of Public Safety even provided this perpetrator with my Texas Drivers License. The perpetrator was able to authenticate with Capital One and then Capital One stopped responding to me for approximately 3 weeks. XXXX 's XXXX and Capital One were the ones that informed me that this person had an ID. After the Department of Public Safety issued my Texas Drivers License to this perpetrator online, my Drivers License was no longer able to authenticate and Capital One treated me like the imposter. I tried every means necessary to still communicate with them to let them know that my Identity was stolen and they allowed this person to request all of my credit cards be sent to them overnight or express mail to XXXX XXXX XXXX XXXX # XXXX, XXXX TX XXXX. They were then able to run amuck in my credit. I had 3 Credit Cards with Capital One and the perpetrator had managed to receive my 2 cards that renewed on XX/XX/2021. This was the card ending in XXXX and XXXX. Capital One then also sent them my business credit card overnight for them to rack up charges on. Two of my credit cards were paid off and I had under a {$500.00} balance on one. I continued to make on time payments on the credit card that I still had a balance on and they made it hard for me to continue to make my ontime payments. I had never been late on any of my credit cards, loans etc and now Capital One made a mistake when crediting charges back to one of the cards that were fraudulently used and Representative XXXX explained to me that there was a XXXX cent interest that they fail to resolve and that racked up late charges fees and they reported me to the credit bureau as being late twice because of their error. He claimed he resolved the error but the late is still showing up on my Credit Report. The other charge he tried to explain was definitely my charge because it involved a pin number. Needless to say, I never needed or requested a cash advance. I explained to XXXX that if the card that was used had the expiration date of XX/XX/2021, then that is the card that I have. I never received the renewal credit cards that were being fraudulently used at Walmart so I have no clue what expiration date was on that one. He claims that their fraud department conducted investigation and because a pin number was issued, it had to be my charge. What they fail to take into consideration is that they allowed the perpetrator to change my address, phone number and email address so if he or she requested a pin, just like they requested that my credit cards be mailed to them overnight or by express mail, they received that pin number because I did not. I requested that Capital One freeze all cards going out and they sent my card to this perpetrator anyway. I requested a freeze on another credit card and they honored my request. Capital One has since then canceled my credit cards when they were the ones that fail to read their notes and freeze the account until we were able to resolve this identity theft/credit takeover issue. I am requesting that Capital One remove the Cash Advance Charge from my Credit Card and re-investigate this issue with higher management involved, because it appears that the investigator that claims that because there was a pin involved, I had to make the transaction is completely clueless. I am also requesting that Capital One Re-Issue my credit cards to me with the same history that I had. I have never missed a payment and I had at least a 6 year history with my credit cards. One of the representatives informed me that there was a POA/Power of Attorney on one of my accounts. I never authorized a power of attorney and I would like to know who has this power of attorney and under the FCRA 609e, I would like to be presented all of the information from Capital One that the perpetrator utilized to apply for a bank account in my name, another Credit Card and the information they used when changing my address, phone number and email address along with information on this POA. I am requesting that Capital One end this foolishness of trying to claim that any of the charges are mine when they clearly knew before I did that fraudulent transactions were being done on my credit cards in XXXX, TX at the Walmart on XX/XX/2021. They contacted me on my telephone number that was on file. My prior record of charges never ever did I make a Cash Advance. I don't need a cash advance and I did not recklessly charge on my Credit Cards in the past. I have included other issues that I had with this perpetrator to show Capital One that it was not just them that this perpetrator tried to commit fraud with my identity on. Others were gracious enough to assist me with taking care of this fraudulent issue. I truly wish Capital One would have been as helpful.
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07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
On Thu, XX/XX/XXXX. I purchased and received confirmation via XXXX - ( Itinerary # XXXX ) for a room reservation at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN, XXXX. Upon arriving in XXXX on the evening of XXXXXXXX XXXX XXXX I immediately contacted the XXXX XXXX XXXX XXXX XXXX XXXX ( at XXXX XXXX ) prior to the XXXX deadline contract requirement. I spoke with a male front desk clerk at the XXXX XXXX XXXX and, informed him that I wished to cancel the reservation due to flight delays. Prior to discontinuing the phone conversation, the gentleman on the other end, front desk confirmed and acknowledged my cancellation over the phone.
- Upon my return home, on or about XX/XX/XXXX, after reviewing XXXX charges during trip. I contacted Capital One over the phone and notified them of the fraudulent transaction discovered : [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} ]..
- Two days later, I review my XXXX statement and notice a : [ XX/XX/XXXXXXXX XXXX XXXX XXXX - {$430.00} ].
- Approximately two weeks later, I received a Capitol One Dispute Update letter dated XX/XX/2023 ; stating, " ... the merchant provided the following information to support the transaction : Confirmation showing no cancellation per policy was received. '' After reviewing Capitol Ones Update letter, I immediately contacted Capitol One via phone to inquire as to the rationale and reasoning for the fraudulent charge. During my phone conversation with Capitol One. The only justification for their complicity was, ... the merchant provided information to support the transaction showing no cancellation per policy was received. '' When I would inquire as to precisely what was actually provided by the merchant? The only reply received was, ... the merchant provided information to support the transaction showing no cancellation per policy was received. '' The following day, I provided them excerpts from the XXXX contract ; along with phone records detailing the date, time, and phone number of the XXXX XXXX XXXX call made in a letter challenging their complicity and providing them the exact information requested, i.e. : 1. response to the documentation sent in by the merchant, and, A description of how you tried to resolve the dispute with the merchant. A refund voucher from the merchant.
a. XXXX XXXX phone record of direct call to XXXX XXXX XXXX XXXX was provided. ( attached ) b. XXXX contract agreement specifically stating, Cancellations and changes made after XXXX ( property local time ) on XX/XX/2023, or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees. ( attached ) c. Free cancellation until XX/XX/XXXX at XXXX ( Eastern Standard Time XXXX XXXX XXXX XXXX XXXX. ( attached ) 2. as well as : A copy of your sales invoice or purchase agreement and the date and proof of cancellation and / or return. ( attached ) 3. The cancellation / return policy of the merchant, if available, and whether you were advised of the policy at the time of the sale.
a. Cancellations and changes made after XXXX ( property local time ) on XX/XX/2023, or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees. ( attached ) XXXX XXXX confirmation - Thu, XX/XX/XXXX - ( Itinerary # XXXX ) Inbox XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Thank you, XXXX XXXX Your booking is confirmed.
Itinerary # XXXX View full itinerary Download to your phone XXXX Traveler details Adults, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX United States of America XXXX XXXX Thu, XX/XX/XXXX Tue, XX/XX/XXXX Check-in time starts at XXXX XXXX XXXX XXXX Free cancellation until XX/XX/XXXX at XXXX ( Eastern Standard Time XXXX XXXX XXXX XXXX XXXX XXXX Learn about this property 's cleaning and safety practices before your trip begins.
XXXX Accommodation details You booked XXXX room.
Superior Room, XXXX King Bed, Non Smoking View special requests in your itinerary All special requests ( such as in-room amenities, bed type, and smoking preference ) are shared with the hotel, but requests are not guaranteed and may incur additional charges. We recommend you confirm them directly with the hotel before travel.
XXXX Travel confidently with the XXXX app Manage your plans and make trip updates on the fly- wherever the journey takes you. Explore the app XXXX Price Summary Accommodation XXXX {$430.00} Nights : XXXX ( avg./night ) {$74.00} Taxes {$62.00} XXXX Total {$430.00} Total {$430.00} ( XXXX ) Collected at the property Unless specified otherwise, rates are quoted in XXXX dollars.
Locally collected mandatory fees/taxes will be collected at the property.
The mandatory fees/taxes amount is quoted in USD and is based on current exchange rates which may vary at the time of travel. Final payment will be settled in USD directly with the property.
View your itinerary for room price details *The hotel will charge you the full amount including all taxes and fees in the local currency USD on arrival. Prices in USD are estimated based on todays exchange rates which may vary at the time of travel. Your card issuer may charge a foreign transaction fee.
XXXX Important Information Additional property fees These fees and deposits only apply if they are not included in your selected room rate.
The price DOES NOT include any applicable hotel service fees, charges for optional incidentals ( such as minibar snacks or telephone calls ), or regulatory surcharges. The hotel will assess these fees, charges, and surcharges upon check-out.
You'll be asked to pay the following charges at the property : A damage deposit of USD XXXX will be collected before check-in.
We have included all charges provided to us by the property.
Rules and restrictions For rules and restrictions please view your full itinerary.
Cancellations and changes Cancellations or changes made after XXXX ( property local time ) on XX/XX/2023 or no-shows are subject to a property fee equal to the first nights rate plus taxes and fees.
Guest charges and accommodation capacity Base rate is for XXXX guest.
If rates are listed below, they may be quoted in the currency of the country where the property is located.
Total maximum number of guests per room/unit is XXXX.
Maximum number of adults per room/unit is XXXX.
Maximum number of children per room/unit is XXXX.
This property considers guests aged XXXX and under, at time of travel, to be children.
Availability of accommodation in the same property for extra guests is not guaranteed.
The fee for extra adults is {$10.00} per person.
Check-in policies Check-in time starts at XXXX PM Check-in time ends at midnight Minimum check-in age is : XXXX Special Instructions Front desk staff will greet guests on arrival .
Late arrival instructions If a late check-in is planned, contact this property directly for their late check-in policy.
XXXX XXXX Where to find help For special requests and questions about your reserved room or the property, contact XXXX XXXX XXXX XXXX XXXX.
Tel : XXXX ( XXXX ) XXXX, Fax : XXXX ( XXXX ) XXXX If you need help managing this itinerary, contact XXXX.
Get support anytime on the XXXX app with XXXX access to virtual agents.
Manage your itinerary XXXX Looking for something else?
Free Cancellation on most rooms Flexibility for your next trip with the option to pay now or later See deals Download our FREE mobile app Manage Preferences Privacy Statement About Us Customer Service Due to Covid-19 travel advisories, some destinations may be unavailable for certain dates. Please check government advisories before booking and traveling.
You are receiving this transactional email based on a recent booking or account-related update on XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All rights reserved. XXXX and the XXXX XXXX are trademarks or registered trademarks of XXXX XXXX XXXX.
|
02/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
BANKS CAN NOT LEND THEIR CREDIT The following are cases by the federal court ruling In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. " A national bank has no power to lend its credit to any person or corporation ... XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) .and checks, drafts, money orders, and bank notes are not lawful money ( XXXX XXXX XXXX XXXX ) of the United States XXXX '' State v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
The United States Code, Title 12, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXXXXXX XXXX XXXX XXXX XXXXXXXX vs.
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court, after citing the statue heretofore said, The provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is there any authority to issue them through such power incidental of the business of banking. A bank can lend its money, not its credit. '' In XXXX XXXX XXXX XXXX vs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, ( XXXX ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend it's credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon the corporation. '' An activity constitutes an incidental power if it is closely related to an express power and is useful in carrying out the business of banking. See First XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. But even with this latitude no hint of lending credit is provided in 12 U.S.C. 24 that would give rise to an incidental power to lend credit.
The exercise of powers not expressly granted to national banks is prohibited : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Bank is breaking federal law!
In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. " A national bank has no power to lend its credit to any person or corporation ... XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
" It has been settled beyond controversy that a national bank, under federal XXXX being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
" Banking Associations from the very nature of their business are prohibited from lending credit. '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) " Banking corporations can not lend credit. '' ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( XXXX XXXX vs. XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ) " A national bank has no authority to lend its credit. '' ( XXXX vs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ) It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX F XXXX XXXX, XXXX ( XXXX ).
There is no doubt but what the law is that national bank can not lend its credit or become an accommodation endorser. '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
All such contracts entered into by its officers are ultra vires ... '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ... .checks, drafts, money orders, and bank notes are not lawful money of the United States XXXX '' State v. XXXX XXXX XXXX Pac XXXX, XXXX Ore XXXX.
By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '' A holder who does not give value can not XXXX as a holder in due course. '' ( XXXX XXXX XXXX XXXX ) Capital One Bank is clearly breaking the laws under federal law, court cases which is stated in this complaint.
Capital One Bank has breache its authority by entering into an agreement that it knows it is not allowed by law to execute, is it moral to allow that party to enforce the agreement? Is it moral to force a person to pay on a loan when that person did not know that the bank did not have the legal authority to issue credit or to become surety.
Capital One bank has no right to place a negative mark on your credit report, when they did not have the authority to enter into the agreement in the first place, and that any deficit in payment or if your late and cant make a payment.
I am stating federal court decision.
Capital Once is in violations of the law.
18 USC 1961 RACKETEERING ACTIVITIES.
18 USC 1344 BANK FRAUD 18 USC 1001 FRAUD 18 USC 1341,1342 MAIL FRUAD 18 USC 1951 INTERFERENCE WITH COMMERCE 18 USC 514 FICTITIOUS OBLIGATION PROHIBITED 18 USC 2113 BANK ROBBERY OF A COMMERCIAL OR PRIVATE PROPERTY Capital One to national banks going beyond their express powers in that they are exposing depositor 's money to loss in contradiction to the bank 's primary duty. Therefore, the issue that can be raised is the argument of ultra-virus and not only is the contract void, but even if the borrower did receive a benefit, the borrower was not unjustly enriched. If the contract is now void, then both parties walk away as if there never was a contract. The judge is then asked to declare a XXXX balance and deem it as paid as agreed. Since the borrower provided the value for the source of funds, the borrower is also entitled to a judgment in the amount of the highest credit limit issued or loan amount. Also, since the banks acts demonstrate that the bank took unfair advantage of the borrower, this results in the bank needing to be penalized. Typically, the borrower is entitled to ask for a financial award against the bank in the amount of the debt forgiven. Since fraud is committed, the borrower is entitled to all sums paid on the contract including interest, plus treble ( triple ) damages, attorney fees expended and court and other costs in addition. The borrower can also demand a XXXX balance on this debt, and a voidance of the loan agreement, and a financial judgment in favor of the borrower due to the bad judgement of the lender. Capital One Bank will deny or does not recognize the laws in this complaint and they will only address the complaint by company policy and company policy are not laws and they are going to protect them self by claiming they are not breaking the law. Capital One Banking is committing fraud.
I am not trying to vex or harm any body but exercising ones right under the law. This according to the truth and lending Act and equally protection Act and Due Processing Act.
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07/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XX/XX/XXXX
CFPB-
The following is a complaint against Capital One, XXXX XXXX XXXX, and XXXX XXXX XXXX. The problem started with the initial car loan, which started after I got a pre-approval letter from Capital one in XX/XX/XXXX. I have tried to address this on several occasions, but her we are. I traded in a car worth XXXX and also paid a down payment of XXXX. That is about 8,000, and with that being said I was over charged for the initial cost of the vehicle. The XXXX XXXX XXXX was not worth over 30,000 at the time. I also purchased an extended warranty.
As time progressed I realized that I was over charged and now with the stamen from XXXX XXXX XXXX and also XXXX XXXX XXXX, I have about 6,000 of unwarranted depreciation and additional cost. When I asked about trading my vehicle in in XX/XX/XXXX and XX/XX/XXXX, I was told that I could only get XXXX from XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX back when my balance was XXXX.
So now I have asked for a loan modification and that paper owed was sent to Capital One last week. When I went on line to look at that modification process it was showing on the on-line system. So I called to check-up on my paperwork. When I called the agent said that I would be getting a loan modification which would consist of a XXXX a month payment and an interest rate of 8.5 %.
This conversation with Capital One happened earlier this week after I was told they could not open the attachments to my first email to the hardship department. So, I sent them again and apparently from that conversation they were received, because I have not gotten any further correspondence to say otherwise. I have been asking for a lower payment and also a different interest rate for some time.
I have also asked that Capital One investigate the practices with XXXX XXXX XXXX related to this transactions which leads me to believe that I have been fraudulently charged an excess amount of money for a vehicle that has had two recalls within a year and half time frame. I have not gotten any paperwork, and it almost seems that they have waited 90 days on purpose, which is also bad business practice, Capital One.
I have tried calling and have not gotten any response. I have also not received my loan modification, but as of today XX/XX/XXXX, the day my original car payment is due it says via phone, and also online that my interest rate is 11% and that my car payment is . This is the problem. I asked for my original loan to be looked at by them. This is affecting my credit, and I want that fixed as well. The unfair business practices of these XXXX entities, is just not fair and also something that is unethical.
Now that they have changed things around without sending me anything to sign as they said they were going to earlier this on XX/XX/XXXX, I am stuck with this problem of not knowing when to make a payment. I also need my car as a Civil Rights Enforcer to go out and interview and to assess complaints. I am hoping this can be resolved and with efficiency. I was also hoping for a car payment of 300 and a modification to my loan at a lower interest rate with my credit report being fixed as well. This is something that needs to be addressed, and furthermore the practices between Capital One Auto Finance and XXXX XXXX XXXX needs to be addressed. I am going to make a payment, but they cannot take it out until XX/XX/XXXX of this month. I also asked for a date change in my payments which was prefaced beforehand. Please handle this matter as soon as possible.
XXXX XXXX
Attached is original letter with modification papers from XX/XX/XXXX..-- From Capital One . Resent same email on another scanned letter on XX/XX/XXXX, with this message..
Second Request from Capital One on XX/XX/XXXX. Unable to read documents and information. The following images should be able to be down loaded. Checked with IT personnel. If you have any problems, please let me know.
XXXX XXXX
Attached:
Image 176 and 177 Capital One form
Image 178 and 179 Pay Check Information for two and 10 exemps
Image 180 Online Transaction Form From Affinity Plus
Greetings,
We have received your email, but are not able to open the attachments you have provided. Please edit the format and resend the information or as an alternative, you may fax the information to us toll free at XXXX.
Thank you,
Capital One Auto Finance
From: XXXX XXXX [XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX
To: Hardship ; XXXX XXXX
Subject: Loan Modification - Capital One
Importance: High
Hello,
I am asking that Capital One research the details of my purchase of my XXXX XXXX XXXX from XXXX dealership in XXXX XXXX XXXX. My goal is to fix my credit and to also have the XXXX depreciation that now exists on my account to be decreased. I traded in a car and it was my dads car, he is now gone. My father passed in XX/XX/XXXX and it was a XXXX XXXX XXXX that I traded, along with a down payment of XXXX in cahs. The XXXX was over priced and therefore I was charged a loan that is in excess. The XXXX was not worth what they sold it for at all.... At this time, I cannot trade it in because of depreciation but also the havoc that these late payments have done to my credit report.
The gap in the depreciation has left me with an upside down balance. The dealership I tried to trade my vehicle into to try and get lower payments said they will only give me XXXX for the XXXX, and I have a loan of XXXX. I also purchased a warranty of XXXX. There is a form of fraud here with that dealership, and also an act of buffering monies through hidden costs that are not relative to a transaction. It would have been great to have won your sweepstakes to pay this vehicle off, but maybe in the future. At the time of that purchase we were paying for care privately for my mother as well. My mother's private pay cares were in excess of XXXX a month which depleted our inheritance. I am glad I had a chance to take care of my parents private pay and bills, but the dealership had no mercy when hiking up the price of this vehicle. Which means I paid over 30,000 for a XXXX XXXX XXXX which is now worth XXXX. I purchased this vehicle in XX/XX/XXXX.
The hardship is being asked for because I am a single parent and I also have another child I am taking care of whose parents rights have been terminated. If I could only get my dads car back... I should of kept it for his sake and memory. The ford dealership off of XXXX XXXX over-priced that vehicle, therefore I was charged excessive principal and also interest through Capital One. I want to keep my XXXX, but I was hoping for some kind of blessing or miracle to get a car with a lower payments. Honestly, the dealership should be fined for this kind of practice. Something is wrong with the number and the practice.
I also have a learning disability which is another violation of my rights under ADA. I have been working since I was 15 years old, and I have managed to overcome the odds by getting a XXXX, a XXXX, and now I am working on my XXXX XXXX. With such XXXX difficulties and also the the upset of my little family inheritance that was used to purchase this XXXX, it is sickening that this dealership would take no responsibility, and also the impact of this with XXXX XXXX, who offered me XXXX.
My Dad passed in XX/XX/XXXX and my mm passed in XX/XX/XXXX. They say go to college , but I owe a lot of money for my education. I would also like something done about my credit reporting through Capital One. I lost my job in the mix of all of this which is how I got behind and also catching up on bills from months and months of restructuring. Pleas try and drop the interest rate or help out in any way... Let men kw no when your having another sweepstakes so I can enter a payment method.
This needs to go to the Attorney Generals Office and the Credit Financial Protection Bureau.
XXXX XXXX
XXXX
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03/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have been banking with Capital One 360 checking and also Capital One credit card and On or around XX/XX/2021 Me XXXX XXXX and my fiance XXXX XXXX have been the victims of Identity theft where all of our personal information was stolen including drivers license, social security card, debit and credit card information for multiple banks and accounts and even our phones. I reported the issue with Capital One about the identity theft because I started to realize that money was being stolen from our credit card account and was told the issue would be addressed and fixed immediately which they credited my account only to reverse the credits leaving me a 200 % credit utilization rate and I was unaware of this for a couple weeks until I received updates from the 3 main credit bureaus XXXX, XXXX, and XXXX that my credit score which I had been doing my best to work on raising back up to at least a good score and even succeeded to raise it above 600 only to have it snatched away by Capital One for falsifying credit reporting about an issue I was guaranteed would be fixed bit because an employee did not write in the notes that my card was stolen they reversed it only for me to call after several attempts and finally speak with someone that helped me correct the problem but Unfortunately I still bare the impact of the consequences to my credit score that Capital One created by not reporting the proper information to the XXXX major credit bureaus and now I have a score of XXXX and thats the best one.Now Im experiencing fraudulent activity on my XXXX checking account where I did everything properly as a victim of fraudulent activity, contacted the merchants, contacted Capital One, reported the fraudulent activity and disputed every fraudulent transaction, and I even filed 2 police reports in regards to the identity theft and the fraudulent use of a credit card/debit card, also canceling the cards used fraudulently and reordered new ones. Well the first 3 dispute claims were handled accordingly where I received my funds within one to two days and I am satisfied with those claims which the # s are 1st claim on XXXX XXXX # XXXX for amount of {$760.00} 2nd and 3rd claim on XXXX XXXX XXXX # XXXX for amount of {$650.00} XXXX # XXXX for the amount of {$730.00}. I tried to request that those specific merchants that were involved with the fraudulent activity be blocked from future transactions and I was told by a member of the management team Named XXXX that they could not block specific merchants so then I asked if I can have notifications placed on my account to be notified of transactions as there taken place so that I could hopefully stop the fraudulent charges before it becomes a larger amount of money that is being stolen from my account which I direly need access to in order to take care of my family which includes my fiance and 4 month old daughter. Me and my fiance both received our new cards and my fiancs card information was again compromised with the same merchants the main one being XXXX XXXX XXXX which I am going to also write a complaint on after I finish this complaint. Me and my fiance filed 2 more claims which would of only been 1 claim had the representative gone over each transaction properly with us to confirm they were authorized but that was not the case in this matter so again XXXX XXXX which was a primary avenue for my funds to be stolen by use of a debit cards information saved in a mobile app which doesnt require a debit card PIN number in order for the thief to steal money. Also involved is yet again another mobile banking app that has the same features named XXXX where funds were transferred and stolen. We made the claims on XXXX XXXX XXXX claim # XXXX for the amount of {$2200.00} which is ridiculous because that amount should have never reached that high had I been notified by Capital One of each transaction especially after being a victim already of fraudulent activity by these same merchants which I requested this feature to be added to my account only to find out that it is temporarily disabled and Capital One had no answer for when this feature would be available again in order to protect customers from becoming victims of fraud and possibly being unable to pay bills due to the high amounts that can be accumulated through fraudulent activity before becoming aware that there money was even being stolen. Now I am being punished by not being given access to my funds immediately upon reporting these unauthorized transactions when I have the proper information reported to the proper departments and authorities and I have done everything that I possibly can do as a victim including contacting the merchants for refunds by reporting to them the unauthorized transactions. Which by the way XXXX XXXX Customer service is all digital via email and through the app making it harder to accomplish a successful and satisfying outcome. I also informed Capital One that I had XXXX family emergencies that required funds immediately and unfortunately capital one is telling me that because I had past claims there is nothing they can do for me in regards to expediting the process of provisional credits to my account as if I am at fault for what is happening to me and my family. In all reality Capital One bares the responsibility of protecting its customers and the fact that I requested to block merchants prior to this fraudulent activity and to have a feature that notifies me of every transaction that occurs on my account right after they occur I was hindered by Capital One resulting in my account to be withdrawn negative {$20.00} instead of it not happening at all or to bare minimum of funds being stolen. Till this very day the notification feature is still unavailable yet im being punished by not giving me access to my money that should not be stolen to begin with as if Im responsible. I only opened this account because of Capital Ones security features one of them being fraud alerts if they notice suspicious activity on my account by providing your phone number to the account and because all Capital One cards have {$0.00} fraud liability as long as you let them know as soon as you become aware of the fraudulent activity which in my case is accurate. I found out of the fraudulent charges on XXXX XXXX. The same day i made my claim. Also providing them with a police report number for identity theft. As of XXXX XXXX i filed another police report for fraudulent use of a credit card/ debt card via online, and sent them a copy of the report and the proof of submission via email at XXXX. I have not received a confirmation that they have received it or that they are working on resolving the issue. Still with no funds accessible in my account. Basically I feel like a fair resolution to this matter would be simple and should have been done the first day I contacted Capital One about the fraudulent activity on my account. The funds will be immediately available upon receiving this complaint in regards to the XXXX checking account and for the credit score Capital One should have a report sent to all 3 major credit bureaus stating the fact of what truly occurred with my account. That there was no wrong doing on my part and that account was compromised and fraudulent activity was committed which caused bad credit reporting to be reported and should be removed immediately and from my credit report. I have done everything in my power to try resolve this issue. I attempted to contact the merchants for a refund. I filed a police report. I reported the fraudulent activity on the same day I noticed the fraudulent charges on my account. I repeatedly called Capital one in regards to this matter and I uploaded the documents necessary to XXXX as in the copy of my police report submission for fraudulent use of a credit card/debit card. I filed a complaint with consumer finance protection.
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04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I am a federally protected consumer and I have reason to believe I am being extorted by capital one. Ive tried in the past to make the proper payments using the remittance that was sent to me by them but they only see what little they can try to rebuttal and dismiss law. They have also been violating my credit score thru identity theft. I have many more reasons to believe they have been committing illegal acts shown in my detailed letter that was received by them recently thru certified mail It is my belief that Capital One is furnishing false and misleading late payments as a way to coerce me to make on time payments. It is my belief that Capital One has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes as extortion in accordance with 25 CFR 11.417.
Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Capital Ones failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. XXXX has stated that unfair credit reporting undermines the public confidence which XXXX has made clear, is essential to the continued functioning of the banking system.
Capital One has taken an adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority.
These adverse action as define under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), that has the same definition as 15 U.S.
Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce.
Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX Financial Protection Act, has been violated.
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any late payments, but yet it appears on my consumer report despite that fact. It is my belief that due to your business relationship with consumer reporting agencies, such as XXXX, XXXX, XXXX, they parrot the information given to them by Capital One as a means of coercing consumers to pay debts that they allegedly owe.
It is my belief that Capital One has been using unlawful extortionate means, as defined by 18 U.S.
Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was an invoice for services provided by Capital One, which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute as Racketeering Activity. If found guilty, Racketeering Activity carries a criminal penalty of 20 years to life in prison.
I have reason to believe and do so believe that ALL past, present, and future billing statements Ive received by Capital One are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened. I am requesting documentary evidence to insure that Capital One did not knowingly participate in the fraud through U.S. Mail which would be a violation of 18 U.S. Code 1341.
As a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in billing statements sent to me from Capital One. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account.
In accordance with 15 U.S.C. 1666d, if there is a credit of account balance with surplus over 1 dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance directed to I, the consumer by check. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount.
Capital One, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error.
Such actions by Capital One will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ) and hold the creditor liable under 15 U.S. Code 1693m for Capital One for the actual damage caused to I, the consumer, as well as held to criminal liability pursuant to 15 U.S. Code 1693n for failing to present required documentary evidence as requested to clarify and resolve the previously addressed billing error.
I am aware, that, in accordance with 16 C.F.R. 433.3 Capital One is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke my rights as the debtor in this consumer credit contract against Capital One for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
Capital One shall follow the following procedures as defined pursuant to 12 CFR 1026.XXXX ( XXXX ) : ( XXXX ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from all past, current, and future payments.
I am requesting, in writing, with adequate information on all forms of remittance accepted and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. Please provide examples of accepted remittance slip transfers, so I may tender a bill of credit approval. If you are not familiar with remittance transfers, please see Regulation B 12 C.F.R Subpart B Requirements Remittance Transfers for your reference. Please provide examples of accepted remittance slip transfers, so I may tender a bill of credit approval.
I am conditionally accepting any non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.
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11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My identity was stolen and the financial transaction was done by mail and email, not in person! I never enter any dealership. This was done all electronically and by falsely intercepting mail from a bogus address. Also the identification used in this transaction was fake. I have a Georgia identification. Not a Florida in which I can provide as an attachment to this complaint. I will be suing capital one finance if this fraudulent account is not removed in 7 days. I have hired an attorney to seek damages and continue litigation. This has affected my life and credit worthiness. The vehicle purchased has been repossessed by capital one and I understand that it is in your possession. I never received any monetary compensation or was awarded any use of this equipment and never agreed to any financial contract with capital one.
1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for creditor other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
{ dispute_item_and_explanation } VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
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04/30/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On or about XX/XX/XXXX, I opened up a 360 Checking account with Capital One bank. I then proceeded to go about standard banking actions over the course of the years ( ACH and cash deposits, check deposits, ATM withdrawals, Capital One credit card transfer payments, bill pay orders, miscellaneous bill payments, etc. ) On or about XX/XX/XXXX, I received an email from Capital One Early Warning Services stating that they'd noticed unusual recent activity on my account and that my account had been restricted until I called in to verify some details. I immediately called the number provided, concerned that some type of fraudulent charges had posted to my account or something. When I called in, the representative began asking me questions regarding recent transactions, most specifically why I had been making an increased amount of withdrawals in the last few months. These withdrawals were a result of my attempt to withdraw a SBA disaster loan I had received in XXXX for my business that was shut down because of the pandemic. However, because there are no physical branch locations in my city, I was forced to make repeated ATM withdrawals, over the course of weeks, in order to gradually get the money out of my bank account. I had even called Capital One to see if my daily withdrawal limit could be temporarily raised so I could withdraw it all at one time, but I was told I could not.
Anyways, so I was doing my best to answer her questions, particularly why I had to make so many withdrawals and why I had received a government loan in addition to unemployment payments. Meanwhile, I was still not sure why these transactions had triggered them to stop me from making withdrawals from my account. However, during the course of our conversation, I received a call from Capital One, that I switched over to answer, just in case it was in regard to my account as well. Unfortunately, after I asked the other representative to call me back and quickly switched back, the original Capital One agent had hung up. After calling back several times, I was eventually able to speak to another agent. However, after undergoing the whole process of questioning and justification regarding my banking habits again, this agent now informed me that, based on the information I had provided, my account was under review and would be closed upon completion of the internal review. I was informed that my the remaining balance after the review would be mailed to me once the closure of my account was complete. However, I was also told it was unlikely that any money would be returned to me, despite my current balance being {$680.00} ( all accrued from unemployment ), unless my total balance totaled the full amount of the loan amount I had previously received. The explanation I received for this was that the SBA might try to reverse the deposit, despite the fact that I had received no correspondance from the SBA to this effect. When I asked how long this review and closure process would take, I was not given any timeframe. When I asked for a point of contact, who could provide a timeframe or updates, and I could provide documentation to prove the legality of my account activity and incoming deposits, I was told there was no one.
The next day I received another email telling me that my account was restricted and that pending the review, my " account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. '' After this, I did not receive much more correspondance, until on or about XX/XX/XXXX, I noticed that my account balance had gone from {$680.00} to XXXX. When I called Capital One to find out what address they had mailed my account closure balance check to, I was informed that my balance had been withdrawn and sent back to the SBA instead. When I requested a transaction ID or some identifying information on the deposit, to reference when I contacted the SBA, I was provided nothing except for the SBA to contact someone in Capital One Customer Protection. That same day, I contacted the SBA help line, to verify if the bank can send back a deposit to the SBA, and I was told no. I was told that the only way to make a payment toward a SBA loan is through the specific portal and payment website. I have monitored my SBA balance and payments posted and is record of any amount posting to my account.
On or about XX/XX/XXXX, I received my actual account closure check amount, totaling {$0.00}, which was interest accrued on the prior month 's balance. On XX/XX/XXXX, I contacted Capital One once again to determine where my {$680.00} had gone, since the SBA clearly never received it. After being transferred back to Customer Protection, I was informed that my payment had not been sent to the SBA, as previously stated, but to the Treasury. The representative then claimed that it was the Treasury 's responsibility to disperse the funds to the appropriate department. However, the agent could not provide any evidence of who exactly the money was sent to or how the process worked. She simply claimed that it was their procedure to do it that way. I explained to her that the SBA, nor the Treasury, asked Capital One to make a payment toward my loan or return the loan payment, so why would they randomly send my money to the Treasury, with no explanation? She claimed that if the Treasury had not dispersed my money to the SBA, it probably was in their " Uncollected Funds ''. I asked if my payment had been sent with my account details, my name, checking account number, or any other type of identifying information to guide the Treasury on where to send the money. The agent once again did not provide any information, simply stating over and over that they don't do anything with the payment once it is sent. I then asked the agent to which Treasury the payment had been sent to. Was it the US Treasury? A state Treasury? Where exactly had my money gone? If Capital One is actually randomly sending money to government departments, I need to know exactly where it was sent, so I can call someone to get this straightened out myself.
I once again asked for a deposit ID or a transaction number that I could reference when contacting the Treasury ( whichever one it was sent to ). I was told that Capital One does not have that information. I told her that obviously someone has that information, since someone in Capital One is sending the money to the Treasury. Finally, after continuing to press her, the representative put me on hold to find a contact number for someone at the Treasury that the money was sent to. When she returned to the line, she provided a contact phone number of XXXX, which I confirmed with her when writing it down. This same number is seen written on the statement attached. The agent then stated to me that she had confirmed that my payment had either been sent to the Treasury or the Secret Service, she wasn't sure. Upon calling the number provided, it is a disconnected phone number, or at least does not ring through to anything. I have now been on hold for a total of 16 hours, waiting for an operator at the Department of the Treasury, in order to try to speak to someone who can locate my funds and either return them to me or properly route them to the proper destination. If Capital One wants to take people 's hard earned money, and money that the government is providing to small business owners to keep them from going bankrupt, they should at least keep track of where they're sending that money, unless they're simply unjustly enriching themselves/their government counterparts, with mine and I'm sure many other 's money that we need to survive. I am a XXXX XXXX XXXX XXXX owner and this is unacceptable during a pandemic and in this current day and age. Regulate these companies. They are out of control.
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03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Numerous laws were broken under the Fair Credit Reporting Act ( FCRA ) by your company. I have suffered from advertising inaccurate, incomplete, erroneous, and misleading information that has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX-year-old, maintaining the household through a pandemic with inflation at an all-time high, I do NOT have the time for your XXXX. You are breaking federal law. On XX/XX/XXXX, I mailed out my first correspondence to you putting you on notice of accounts being advertised on my consumer report, I specifically asked for a method of certification, and I did not consent to XXXX XXXX Compliance or Automated Dispute System or an Automated reinvestigation System. Meaning, I do NOT consent to an impartial investigation through a click of a button or other automated systems. I DEMAND, as a consumer an impartial, thorough, and accurate investigation be conducted to not only find what happened to the funds I sent Capital One but why are you willfully furnishing inaccurate information on my consumer credit profile? After thirty ( 30 ) days of sending out my first correspondence, I did not hear anything from you, at all, it is my understanding not only is that a federal violation but pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ), it specifically states, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX, I put you on notice as a data furnisher, you are incorrectly reporting information to the Credit Reporting Agencies ( CRAs ) and any affiliations along with a delinquent payment, and a remaining balance. Through my first correspondence, I attached confirmation of XXXX XXXX Money Order payable and sent directly to Capital One. Furthermore according to Congress, pursuant to 15 15 U.S. Code 1681s2 ( b ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ; ( ii ) the information is, in fact, inaccurate. Ive had a relationship with Capital One for over four years now, first, both of my credit cards were fraudulently closed by Capital One without reason, then, once talking to a representative was it was a mistake the credit cards were closed and that the accounts should be reinstated. An investigation was opened regarding the closure of the two credit cards and to this day, I have yet to be made aware of the decision. That is a federal violation. In conjunction with paying the remaining balance of my credit card through a XXXX XXXX Money Order, and it has yet to accurately show on my consumer credit profile, that is a federal violation. Now, Congres explicitly states, In 15 U.S. Code 1681 ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So vital in fact, more than 200 million Americans have credit files, and lenders rely on this information to decide whether to approve loans and on what terms. Consumer reporting also informs decisions about employment, insurance, housing, and even essential utilities. For consumers, inaccuracies on credit reports drive up the cost of credit and severely limit opportunities, such as starting a small business or buying a new home. Not only are you breaking federal law, but you are also undermining the efficiency of the banking system and the troubled economy.
Furthermore, pursuant to 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), I have NEVER given my written instruction to neither ( You ) nor any of the CRAs. It is my understanding you shall not advertise what is on my consumer credit report if put on notice and made aware that the information is inaccurate by a consumer, it is your moral and legal obligation, I demand you correct all details as stated in my written correspondence. The continued report of this information is a clear violation of federal law, 15 U.S. Code Subchapter III, throughout parts.
15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
During the investigative process, if conducted at all, and following my requests ; what neighbors, friends, or associates as stipulated in 15 U.S. Code 1681a ( e ) ; who did you speak to regarding the false information youre advertising on my consumer report?
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you will be liable for your willful non-compliance and damages caused to my livelihood and way of living due to your willful negligence. Ignorance of the law excuses no one. As transcribed in Leviticus 5:17 : " If a person sins and does what is forbidden in any of the LORD 's commands, even though he does not know it, he is guilty and will be held responsible. These laws have been interwoven, throughout the XXXX XXXX and the United States. See United States v. XXXX, XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Let me remind you, no one appointed the role you currently have it was assumed. According to Congress, you are nothing more than, an elaborate mechanism that performs tasks.
Once again, within the required thirty ( 30 ) days designated by Congress under the Fair Credit Reporting Act ( FCRA ) you failed to respond, and I hereby as a consumer, DEMAND you accurately furnish what is on my consumer credit report. Meaning, showing no delinquency and having the balance paid in full.
I am a litigious consumer and I shall not hesitate to take legal action and sue, yes, you heard me correctly. I will sue you for infringement of my right to privacy and advertising false information on my consumer report. Advertising inaccurate, incomplete, erroneous, and misleading information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and home purposes. You and your inaccurate reporting have destroyed my livelihood. You have caused my son and me, severe harm due to the negligence and inaccurate advertising on my consumer report. I am thoroughly exhausted of your XXXX. Between being a single father raising a XXXX XXXX-year-old, maintaining the household through a pandemic with inflation at an all-time high, gas prices reaching an all-time high, and being a victim where someone committed aggravated identity theft against my son and fraudulently claimed my son as a dependent for taxes, and filing police reports and FTC reports and meetings with Secretary of State and Attorney General. I do NOT have the time for your XXXX. I will not hesitate to take legal action against you for violation of federal law 15 U.S. Code 1611, 15 U.S. Code 1681n, 15 U.S. Code 1681o among personal damages to my character.
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06/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Capital One Retaliated against me for filing valid disputes for Identity Theft, an Account Breech, Fraudulent activity and being a victim of a scam that potentially exposed my info, and took no steps to secure my account. They closed my checking and savings account stating that it was due to filing Bad Claims when my claims ARE VALID. They also lied to me several times providing false information in terms of their investigation as well as stating that they are not responsible for XXXX transactions if goods or services aren't received or if money is lost via theft or scam ; XXXX transactions are a type of Electronic Fund Transfer and are covered under Regulation E.
I filed an initial regulation E dispute on XX/XX/XXXX of this year, giving oral notice to Capital One in regards to the error/ fraudulent activity. I informed them that I was a victim of fraud and may have been scammed. The proper language under regulation E is Error ; Unauthorized ; Fraudulent TransactioXXXX. My initial claim was denied and a decision was made stating : We looked into this, and our research shows that the payment was processed according to my instructions. When this could not possibly be the case, and is the furthest thing from the truth because I did not authorize any such transaction, nor is there a history of me making such transactions. There is no history of transactions indicative that I would or have made such transactions in such an excess amount through XXXX, as I am aware that the platform is completely UNSAFE, and all transactions, although completed through debit and credit transactions are to be considered Cash transactions Per XXXX Website.
I filed a complaint against the representative who improperly notated my claim resulting in its initial denial and resubmitted a new dispute, requesting that notation be made using exact verbiage for clarity. On the 10th Day* During the investigation period I received a notice that my claim had been denied, without the issue of any provisional credit. The denial email states : We have finished researching your dispute ( s ). Based on the information we have, your claim has been denied because : We finished looking into your claim and didnt find an error. Well this is preposterous! It is not possible to have completed a REASONABLE investigation in such a short period of time, after I indicated a SECOND time that the transaction in question is in fact an error and requires a thorough and reasonable investigation and due process. BEcause of this, I requested copies of the documentation used to make this decision. I also requested documentation that proves the validity of the transaction, because I know that I did not authorize any such XXXX transaction and I vehemently oppose any such information that states otherwise.
It was also stated to me that I would have to PROVE '' that this transaction was unauthorized, when such language is a gross violation of my rights as a consumer under regulation XXXX, refer to Consumer Federal Protection Bureaus Interactive Bureau Regulations manual : 12 CFS Part 1005 ( Regulation E ). Burden of proof is on the financial institutions behalf.
There are several violations of my rights as a consumer carved out by the Electronic Fund Transfer Act ( EFTA ) and the NJ Consumer Fraud Act. Capital One failed to inform me that XXXX is a third party entity and not subject to protections that are extended by Capital One via its own debit and credit transactional protections. Instead, XXXX is marketed as a Fast, Safe, and Secure method of sending money via Banking institution Networks. Capital One also failed to inform me that in the event of any Fraudulent/unauthorized or scam transactions that occur through XXXX that my protections are limited and will most likely result in a denial of any claims made in reference to transactions through the XXXX service. Negligence. Please refer to Mensah v. Capital One, N.AXXXX, A class action alleging that Capital One misrepresented the security of the XXXX money transfer service by failing to disclose that fraud victims have no recourse.Huge, Unreimbursed Losses : Capital One Failed to Disclose Risks of Using XXXX. There are also several Class Action Lawsuits against XXXX for the enabling of cybercrime, specifically fraud, scams, and unauthorized transactions and failing to reimburse those who use their service.
With all of this information stated, it could not possibly be concluded with certainty that a reasonable investigation was done. It also is evident that no such investigation was done based on the nature of their responses included in the denial decisions.
Also, It must be noted that upon my research, there were several changes and rearrangements of my XXXX and Capital One online banking information including contacts and phone numbers over the last 90 days, clearly indicative of potential exposure to identity theft and a blatant risk of fraudulent activity. Not to mention, no provisional credit was issued in either instance of my disputes, when I have the right to any provisional credits even if it is concluded that no error was found. Not to mention, I was incorrectly informed or otherwise misinformed that XXXX transactions are not covered under the EFTA or Regulation E, and that these transactions are not typical Debit or Credit transactions, when this is FALSE. ALL forms of electronic payments, including but not limited to third party entities such as XXXX, are included under the EFTA and REGULATION E. Another violation of my rights as a consumer. This entire circumstance is a direct indicator of the MASSIVE FRAUD and gross negligence of financial institutions to properly protect consumers against Fraud and Third Parties like XXXX that enable fraud.
Let me reiterate : My rights as a consumer have been disgustingly violated. I have been misinformed and misrepresented by Capital One and its employees, I Am requesting clarifying documentation for the Error that occurred on XX/XX/XXXX, an unauthorized XXXX transaction in the amount of {$2500.00}, I did not authorize this transaction nor do I know the person to which the Electronic funds were disbursed to and I am requesting that another dispute be filed and an appeal of my previous dispute be properly filed and a claim number generated. Because I have requested documentation clarifying the error, I am still owed a provisional credit as well as any interest and I am not subject to the investigation deadlines and Capital One is OBLIGATED to reimburse me or provide me with the provisional credit until this investigation is completed fully.
This is more than enough information and supporting documentation to reopen my claim and resubmit my dispute. There were also several escalations/complaints filed against representatives of Capital One who, due to their negligence, violated my rights as a consumer.
I also Filed a CFPB complaint : XXXX in regards to this issue, the case was closed because Capital One Responded, however in their response they provided FALSE INFORMATION, they stated that a provisional credit was provided for {$2500.00} while the dispute is being investigated, but no such credit was issued because my account was closed as a form of retaliation.
Do give this letter the necessary attention it deserves, Respectfully, XXXX XXXX XXXX.
Also, Refer to : U.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693f : Error Resolution.
U.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693g : Consumer Liability U.S. Code> Title 15> Chapter 41> Subchapter VI> Section 1693m : Civil Liability 15 USC Section 1693n : Civil Liability for Willful Non-Compliance 18 U.S. Code Section 1028 : Fraud and related activity in connection with identification documents, authentication features, and information
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02/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
On XX/XX/XXXX I was contacted by a department within Capital One advising they wanted to offer an option re : the credit card. The representative advised there was an offer they wanted to extend to me that was only available that day and it would allow if I entered into this program the opportunity to have the balance of the credit card forgiven if I agreed and kept the agreement to the specified terms. So we began discussing the balance and amount owed on the credit card. I told the representative I was not in the position to cure the total amount of {$1900.00} and the representative asked what payments could be made? The representative provided a couple of options and I said no to them all. I stated I am making payments, but what are you offering? Then the representative introduced an option where Capital One was offering the opportunity to enter into the program where the initial payment of {$68.00} would be paid to enter the program. A monthly payment of {$39.00} would be my new set payment and it would have to be auto drafted monthly. As stated by the representative the additional perk regarding this program is that if you make your payments on time for XXXX months the full remaining balance would be forgiven. I was taken back by that as an option and had the representative to repeat what was said. And again, I said it back to the representative - you are telling me that if I enter this program and pay the initial fee and make monthly payments of {$39.00} for XXXX months the remaining balance would be forgiven and my account XXXX out - like over {$1600.00} or {$1700.00} forgiven? And the representative said yes. But to get this you will have to complete it right now and I will have to take a payment over the phone and get your permission to auto draft your monthly payments - that will ensure you don't miss any payments or be late on any which would void the agreement. While on the phone with Capital One representative I am telling my husband can you believe this? He said you should definitely do it. This is an opportunity you can't pass up. So I gave the representative my debt card information and the representative placed my on hold to process the initial payment of {$68.00}. After completing that action he stated that he would have to get my verbal consent to auto draft the $ XXXX monthly payment. I completed that process and was still not totally believing this was true that I stated the agreement again. I said so you are telling me that I have entered into this program and the agreement is that I pay {$39.00} every month on time for XXXX months. And in XXXX months all I am to do is make a call to Capital One and the debt will be forgiven - with a XXXX balance? The representative said yes. I asked who then will I call because earlier in the call the representative stated they were apart of the department that extends these offers, but isn't directly apart of Capital One? I got nervous and I asked are you a collection agency? Advising the representative I may have a high balance, but I make monthly payments. The representative assured me they were not a collection agency, but apart of Capital One that processes these type of agreements and offers. The offers/agreements can't be asked for or requested, but rather this group will reach out and offer this type of agreement/offer. I felt okay about it again and we said our pleasantries. Before getting off the phone the representative went over the agreement one last time stating the agreement entered is the initial payment of {$68.00} has been paid and the {$39.00} will be the monthly payment. The representative advised that I will receive this agreement in the mail and a link to sign the paper work. I was to continue making payments as I have until I hear the offer was approved. I received an notice it was approved and they began taking the {$39.00} out of my account monthly. As most people start to the new year looking at finances and getting a good start on everything, I thought it's about time for the offer to be completed so let me call and check on it. The 1st time I called was XX/XX/XXXX and spoke with XXXX - employee # XXXX I asked about the offer and when would the end of the 6 months be confirmed and what is the next action. I was shocked and horrified to hear that I wasn't in a program that canceled my remaining balance and that is not what I entered into, but that she would have her manager review and get back with me. On XX/XX/XXXX I received a call it went voicemail so I returned the call and spoke with XXXX - employee # XXXX and she stated I was not in a forgiveness debt program and that I would have to make the payments as agreed. I was really confused and asked that this issue be escalated to a manager as it was a recorded call I am sure, so please do a deep research and review the call. And they will hear what the representative said and what the offer was. I asked what did I get if I didn't get in a program that would benefit me? She advised I was in a forbearance program. I am not even sure what that meant as I was making payments on the card even though they had restricted and closed the account. So I didn't need a forbearance. And if I didn't make my payments on time monthly it would still negatively affect my credit score. I was diligent to making my payments even though some of the payments made were the minimum. We went around and around on what I signup for and that she is stating is not what I agreed to. Again I asked they investigate the call and advise me of their findings. On XX/XX/XXXX I received a call from XXXX - employee # XXXX advising they had someone to listen to the call and didn't think the representative did anything wrong. I advised XXXX I didn't say the representative did anything wrong what I stated was that the representative did a bait and switch and the agreement/offer that was given me on XX/XX/XXXX was not a forbearance, but rather a debt forgiveness. I advised him I would not get in an agreement with anyone for $ XXXX monthly and the interest on that amount is {$11.00} for the term of XXXX years. Who would do that, I advised it wouldn't be me. I reiterated Capital One called me. And after looking at the monthly statements it states minimum payment. It was not minimum payment it was the only payment. There was no other option as it regards to the agreement. I told the representative this is worst than subprime lending. I requested to hear the recording and he declined and said I wouldn't be able to do that. So I asked well how would I know you are telling the truth and that the representative did in fact misrepresent and change the offer and has cause real distress as again I was not the initiator to the agreement. I asked what protocol would I have to abide by to get a copy of the recording? He advised there is not protocol because I couldn't listen to the call. I was not satisfied with his response and requested or advise well I'm sure an attorney could. So I hung up and called back and spoke with XXXX - employee # XXXX and she advised the same. I have continued to allow the payments to be auto drafted from my account ; however this is not at all what the agreement was. With me paying {$39.00} a month with {$11.00} interest for XXXX XXXX years I would have paid this debt twice. And that isn't an offer benefiting the consumer. The balance of {$1700.00} is reporting to my credit report as an open account it shows I have high utilization ; however unable to use the account. Per my credit report which has been provided reporting dates XX/XX/XXXX through XX/XX/XXXX as XXXX days late payment when I was in the program XXXX and made the XXXX payment timely. The billing statements provided the ending balance is {$1700.00}. The balance is reporting incorrectly.
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09/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To Capital One Dispute Resolution Team I am writing this letter to refute and challenge the farcical misrepresentation that the merchant XXXX XXXX XXXX ( going forward I shall refer to the entity as XXXX ) has made in order to contest my legitimate dispute.
To start with, I had contacted XXXX on XX/XX/XXXX in response to their text message as I needed to hire a mover to help with my move from XXXXXXXX XXXX to XXXX, Wisconsin. I had absolutely no prior experience with hiring a mover and XXXX ( who goes my XXXX XXXX, a customer service representative at XXXX reached out to me via text message ( screenshot attached in Exhibit A ) stating that they had a client cancel the week that I was planning to move, and they would be able to offer me a discounted rate. I called her back in response to the text message and during our initial conversation XXXX told me " we have some trucks going along your route from Maryland to Wisconsin and since a client had cancelled we would are able to give you a discounted rate, but we would need you to pay an upfront XXXX deposit '', I was quite pleased with how pleasant and helpful she was and going off of the initial positive impression I thought this firm would be a good fit for me. Hence, I gave her a detailed description of my household items that needed to be transported, following which she provided me with an intial binding estimate which was {$1900.00}.
This estimate prominently featured XXXX 's branding at the top page and nowhere was it prominently mentioned that they are acting as a broker until the middle of the multi page contract and this was not highlighted so at the time since I did not read it carefully I was totally unware that this business was in fact not an actual moving company.
However, I did explicitly ask XXXX whether they were a moving company or a broker to which she emphatically responded " We are a moving company based out of XXXX XXXX, FL '' and she also said something to the effect that it is a family business, etc. Since I already felt like I had a good rapport with XXXX I did not conduct further due diligence and took her words at face value, which I later came to realize was a grave lack of judgement on my part, but I did not know at the time that I was dealing with such a deceitful operation. Following the verbal confirmation from her, and being reassured that they are an actual moving company I spoke with someone on their finance team and provided this person with my Capital One Savor Credit Card information and authorized a one-time charge for the deposit that will go toward my actual move.
Now, it is of critical importance to understand that at no point so far in this discusssion had XXXX identified themseleves as acting in a broker capacity other than in a section of the moving estimate and then too it was not highlighted so I would only become aware of it much later. I had entirely relied on the word of their representative who had told me the exact opposite. Therefore in my mind the deposit I paid was for a part of my move as explained to me by XXXX and not some sort of broker or finder 's fee as XXXX has alleged.
XXXX 's entire argument rests on the dubious assertion that they were acting as a broker which was something that they kept providing me conflicting information on until right before they subcontracted my move to a disreputable mover. Additionally, absolutely no service at all was rendered as of the invoice date i.e. XX/XX/XXXX, so even if XXXX were to ignore all mistatements and falsehoods from XXXX 's XXXX XXXX, XXXX did not disclose the name of the actual moving company they ultimately ended up subcontracting my move to on the day that I paid the {$620.00}. This is of paramount importance because they seem to claim that services were rended at this time in the credit card authorization that I signed with little understading that I was being defrauded.
Furthermore, the name of the actual mover was only disclosed on XX/XX/XXXX almost XXXX weeks after I paid the {$620.00} when XXXX from their office emailed me a link to the bill of lading ( screenshot of email can be found in Exhibit A ).
After paying the so called deposit, I did contact XXXX a few times over the subsequent week to make updates to my list of goods. During these phone conversations XXXX had never mentioned XXXX XXXX XXXX XXXX XXXX at all nor explicitly told me that they were acting as a broker. On XX/XX/XXXX XXXX another XXXX representative provided with a bill of lading which had XXXX XXXX XXXX XXXX as the mover now replacing XXXX branding from the initial binding estimate, I signed it not knowing that XXXX XXXX is a totally different entity. It is critical to note here that my wife pointed out the difference in name and after some online research I became aware that XXXX XXXX XXXX XXXX XXXX has a very poor reputation and is often accused of misplacing and breaking items during their moves.
After thoroughly reviewing the bill of lading from XXXX XXXX XXXX XXXX XXXX I realized that my items could be held in storage for XXXX business days which was totally shocking to me because on my first phone call with XXXX I was told it would take no more than a week after pick up to receive all my items. I immediately relaized that I had been defrauded and decided to cancel my move on XX/XX/XXXX, even if it meant forfeiting the deposit because I did not want my items to get lost, misplaced or damaged. Following the cancellation notice that I sent via email XXXX called me and voluntarily offered me 20 % of my deposit back if I were to sign a carefully crafted non-disclosure agreement which waives my right to a dispute among other things, I understand they have provided a copy of it along with their response to the dispute. Any neutral reader of that document would find it problematic and a tacit admission that they were in the wrong, I refused to sign the document even as they kept sending me several reminder. I instead initiated a dispute resolution with Capital One where I gave the fraud specilaist a very detailed description of what happened how they lured me in by pretending to be an actual moving company and then subcontracting my move to a third party firm.
At this point I had no doubt in my mind that XXXX was not a trustworthy business and I decided to do further research online and found out that multiple complainants on XXXX XXXX XXXX ( XXXX ) had alleged XXXX of pulling the same type of fraud they did on me. In fact the business had an F rating for XXXX and they were not registered with XXXX ( I've attached several pages of XXXX complaints where XXXX has pretended to be the mover and then subcontracted the job to a different firm ). XXXX 's cancellation ploicy is also a total farce as they allow you XXXX hours after you pay the upfront fee to cancel however they DO NOT dislcose the name of the actual movers within that timeframe, and only disclose it 3 days before the move at which point if you don't feel comfortable with hirirng their actual subcontracted mover you have absolutely no choice but to forfeit your deposit which they get to keep. This is the duplicitous set up that XXXX has come up with to defraud clients. I work in investment management and this sort of malpractice would lead to serious regulatory action if not criminal charges. I have always found Capital One to be a trusted partner for my financial and banking needs so I am not at all pleased that the statement I made to the fraud speciliast were not even taken into consideration while reviewing this case. Now with this written response and the plethora of evidence and testimonials establishing XXXX as a deceitful and fraudulent entity I hope your team reconsiders my dispute case and reverses the transacation.
|
02/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
Capital One does not disclose how it calculates the " minimum payment due '' amount that appears on each month 's statement. The manner in which it is calculated appears nowhere in the terms of the credit card agreement. Further, on XX/XX/XXXX, I called Capital One and spoke with a supervisor named " XXXX '' and he TOLD me how the amount was calculated and gave XXXX different responses during the call stating the amount is based on XXXX XXXX of the balance at XXXX point and then stating the amount is based on XXXX XXXX of the balance at another point in the conversation. He also asserted that any fees incurred are added to the minimum payment due amount each month. When I requested that he inform me of where I can find this information in the terms of the card agreement he could not and attempted to claim that it was just a minor issue and the terms can't cover all issues. The minimum payment due is not a minor issue and is perhaps the single most important information that appears on a monthly statement. I asked him to tell me where I could find the information about how the amount is calculated if it is not in the terms and he was unable to provide me with any document or other written item that contained the information. When I asked him if he could research the issue and then give me the location of the information when he found it he flatly refused and eventually hung up on me.
I have attached a copy of the terms of the card agreement that were sent to me by Capital One. As you can see, NOWHERE in the terms does it state how the minimum payment due amount is calculated. More importantly, the terms CONTRADICT the explanation given to my by XXXX and are in conflict with the manner in which Capital One is calculating the minimum payment due amount. Contrary to XXXX 's representation and Capital One 's actual practice, fees are NOT to be added to the minimum payment due amount according to the terms found on page " XXXX '' of the agreement. Under the heading " Interest Charges and Fees, '' the second paragraph explicitly states " We will generally treat Fees as purchase transactions unless otherwise specified below. '' Treating fees as purchase transactions means that the fees will not be added to the minimum payment due amount but will instead be added to the total balance amount of the card just like any purchase made at a store or business or elsewhere would be added to the total balance of the card and not to the minimum payment due amount.
Given the explicit representation that fees will be treated as purchase transactions, the only way for Capital One to treat them as part of the minimum payment due amount would be for there to be something in the terms that follows the explicit representation and would constitute the " unless otherwise specified below '' clause and requirement found at the end of the explicit representation. There is, however, nothing in the terms that follows the explicit representation that specifies that any fee will be treated as part of the minimum payment due amount instead of as a purchase transaction. Specifically, with regard to late fees, the only information about late fees that follows the explicit representation that fees will be considered as purchase transactions is the following brief statement under the heading " XXXX XXXX XXXX '' : " We may charge you this Fee if we do not receive your payment as instructed on your XXXX by the payment due date. '' There is nothing else in the terms of the agreement that discusses late fees, much less how they will be applied. The brief statement clearly does not change the previous explicit representation that fees will be treated as purchase transactions. In fact, it says nothing at all about how late fees will be treated and how they will be applied.
Capital One is refusing to abide by the very terms of the card agreement that XXXX wrote. There is nothing unclear or ambiguous about the assurance that fees will be treated as purchase transactions. When I asked XXXX why he believes that the assurance does not apply to late fees he could not give me any logical or reasonable answer. Capital One 's disregard and violation of the very terms it wrote for its card agreements is outrageous and has caused financial harm to me while, at the same time, unjustly enriching Capital One since it is unilaterally taking money to which it is not entitled and, from the terms of its own agreement, is prohibited from taking. Because Capital One disregarded the terms of its card agreement, it unlawfully and without authorization, added a {$39.00} late fee to my minimum payment due amount this past month that resulted in an illegally increased minimum payment due. When I made a payment on XX/XX/XXXX, I fully expected that the payment amount would cover the current minimum payment due amount and it would have but for Capital One unlawfully adding a {$39.00} late fee to the expected minimum payment due amount. When it did this, it cause my XX/XX/XXXX payment amount to be insufficient to meet the new minimum payment due amount that was created by its unlawful and unauthorized addition of {$39.00} to the amount due. This, of course, then enabled Capital One to then again assess yet another {$39.00} fee to my account because I did not pay the unlawfully increased minimum payment due amount by the date it was due ( it would've been paid had it not been for the addition of the unlawful {$39.00} late fee to the lawful amount that was due ).
Capital One representatives, including XXXX, have completely avoided addressing Capital One 's unlawful practice of adding late fees to the minimum payment due amount despite being repeatedly told that the practice is not only unauthorized and unlawful ( since it is not disclosed anywhere in the terms of the card agreement ) but that it is also completely contrary to and in violation of the express terms of its card agreement. Knowingly taking money that the terms of the card agreement written by Capital One expressly prohibit and provide for an entirely different manner in which the fee is to be assessed and applied is nothing more than outright theft. If Capital One was an individual or average person, it would be criminally prosecuted and convicted for the actions it is taking. It should not be permitted to violate the law and the terms of its own card agreement simply because it is a huge financial company.
An additional indication that late fees are to be treated exactly as stated in the provision that assures that they will be considered as purchase transactions is the fact that the word " Fee '' and " Fees '' that appear in the " Interest Charges and Fees '' section and in the " Late Payment Fee '' section are identical in their use of an upper case " XXXX '' and in their appearance as italicized text. There can be no conclusion drawn other than that the intentional displaying of the words in the exact same manner with the exact same emphasis appearing in them means that the XXXX terms are exactly the same thing. Thus, the fees being referred to in the " Interest Charges and Fees '' section expressly includes late fees found in the " XXXX XXXX XXXX '' section.
Because Capital One has unlawfully applied late fees to the minimum payment due amount without providing any proper disclosure that they would be treated this way and, more importantly, in blatant violation of the terms of its own card agreement, I am requesting that it remove the late fees from my recent statements, refund the amounts charged for them, and credit to the account any interest accrued because of the illegal addition of the fees to the minimum payment due amount.
Thank you and please contact me if you have any questions or need any clarification.
|
09/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
This started out fairly simply and became unnecessarily complex. I will create a numbered list below to track the progression of events. To summarize a long story, Capital One misplaced {$14000.00} of mine and refuses to give it back : 1. I started a new job and decided to open an account with Capital One to deposit my money as my previous bank " XXXX '' had left me dissatisfied. This was XX/XX/2021 2. After going through account set up, there was an undefined issue that prevented me from completing enrollment in online banking. So, while the account seemed to exist, I could not access it. We will call this " account A ''. As of the writing of this message I have never had access to " account A ''.
3. I went through the process once again, and this time was able to create a different account and successfully register for online banking. I registered using identical info, but this account was distinct from the first attempt. We will call this account " Account B ''. I also added my XXXX account as an external bank to this new account.
4. Over the next few days I moved to transfer {$14000.00} ( all of my money ) from my citizens account to my new capital one account. This transfer was requested a single time from the only account I had access to ( Account B ).
5. Eventually this transfer request for {$14000.00} appeared in my XXXX account. However, it was duplicated 3x resulting in an overdraft of the account by more than {$28000.00}. This obviously alarmed me and I immediately started calling both banks to get to the bottom of it.
6. Several hours of conversations with XXXX proved fruitless as did my calls to Capital One as all they did was blame each other. Eventually the transferred funds showed up as pending in the Capital One account briefly before being reverted.
7. By XX/XX/XXXX I was staring at a XXXX account with a now reconciled balance of - {$74.00} ( from over draft fees ) and a Capital One account ( account B ) with no additional funds from the transfer. The {$14000.00} was gone. Neither bank had it any longer.
8. After several hours more of phone calls to both banks I finally realized that the error must be on Capital One 's side. The only indication of this was that while the funds were not in the account ( or even pending ) the balance on the transaction statement showed an amount {$14000.00} higher than it should've been. I want to be clear, this money was not in " account B ''. The transaction history was showing items unrelated to the account itself.
9. I called Capital One yet again and pleaded with them to find where this money had gone. Finally after more calls than I can even recount, I was able to divine out from one of their representatives that the money had somehow been directed toward " account A ''. I asked how this was possible, since I've never even accessed " account A '' and the request was made via " account B ''. I also asked why Capital One made 3 requests for this single transfer and overdrew my XXXX account. To this date I never have gotten answers to either of these questions. But, I was happy to have at least found the money. I figured I could deal with the immensely concerning side-issues like the multiple charges once I recovered my money. Little did I know the trouble was just starting.
10. I now needed to get the money out of " account A '' and into an account that I could access. I thought this would be simple since I was the owner of both accounts, and they both were opened with my information. I could not have been more wrong. The first thing the Capital One reps had me try was setting up access to " account A ''. Every time I spoke to a new rep, whether a manager or otherwise, they walked me through that same set-up process. It never worked a single time. I must've done it to appease them 20+ times. It always ended with an error at the final step just like the first time I tried to set it up on XX/XX/XXXX. They gave a myriad of excuses for this. Ranging from standard delays in verification to phone number issues to even blaming my telecom carrier. Anything they could say to get me off the phone and go back to waiting they tried.
11. Most of the reps gave up after the set up failed. All the while refusing or unable to answer questions about how this could have happened in the first place. After many more attempts to reach someone willing to help me at Capital One, I landed on a rep that actually seemed to have a solution. She explained that once the deposit was cleared for " account A '' in 1 day, she should be able to transfer the money and close the bugged account. She said there was work around for the supposed verification issues I'd been facing in trying to set-up " account A '' and requested a copy my drivers license. With this I was able to get as far as transferring the debit card info from " account A '' to " account B '' ( I didn't even know I had a debit card on this account since I never had access to it ). She told me to call back on the XXXX of XXXX to finish the last steps for the transfer and solve to problem for good.
12. I ended up calling back on the XXXX as I was busy with work on the XXXX and hoped this would be my last call. However, I wouldn't be so lucky. I was greeted by a very different story from Capital One this time around. They told me that they would not transfer the money from " account A '' and there is no way I would be allowed to access it unless I set up online banking. I explained again that their system wouldn't allow me to complete the set-up, that I had a functioning account ( " account B '' ) and that the funds never should've gone to " account A '' to begin with. I told them I had talked to another rep and she had told us it was a simple fix once the funds had cleared. To my genuine shock they told us this rep had lied to us, and there was nothing more they would do for us. Of course I tried explaining that this was an error on Capital One 's end and I didn't understand why they couldn't perform a simple transfer. Why couldn't they allow me to access my own money from an unrestricted account? '' They never answered any of these questions. They simply got more and more nasty and repeated that they can't do it until eventually they simple remained quiet on the line stating that I should hang up if I don't have any more " real '' questions. I pleaded with them to transfer the funds, told them I could give them any documents or information necessary and any proof of identity. They said no and that and told me to move on. It had clearly become personal for this rep at this point, so after some words I hung up and tried again.
13. It so happens that it matters very much who you speak to at these banks. Some reps don't like the tone of your voice and decide to hold your money ransom, while some try to help the people that call in. This is a scary truth of remote customer service. I called several more times and finally got a rep that was willing to look at the problem again. This rep said that he could open a case to close the bugged account and perform the transfer. I'd would've been happy if I hadn't heard it before. But at least he was trying. He told me it might take a few days ... and at this point all I could do was cross my fingers that next time I called, I wouldn't be told by his colleagues that he too was a liar.
14. This brings us to the current day. I still don't have the money. I still can't access " account A ''. I still don't know how this transfer ever ended up in " account A ''. I still don't know why capital one duplicated this request 3 times and overdrew my account. All I know is what the Capital One reps had definitively told me across hours of phone calls- they do not care and can't help me.
|
05/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
Capital One is falsely representing their rewards program to consumers- advertising as an emphatically clear- and I quote from their website ; " Earn unlimited 4 % cash back on dining and entertainment, 2 % at grocery stores and 1 % on all other purchases. Plus, earn 8 % cash back on tickets at XXXX XXXX through XX/XX/XXXX. '' I opened the card 6 months ago, primarily to use it for entertainment and dining. I used the card for 6 months with no issue.
The rewards on this card collects as you spend, and you can choose how to redeem your points. I choose to use the " purchase eraser '' on XX/XX/XXXX to cover one of my ticket charges for an upcoming concert. This was the first time since opening the card, I redeemed any of my accrued points.
Instantly, my account went down. It showed, and still shows as " This account is currently restricted ''. I imagined it was just undergoing a temporary review or they were just ensuring the rewards redemption was legitimate and authenticated.
Please note : Capital One never sent any communication to me during this time or provided a courtesy email letting me know the card was unable to be used at this time.
After 11 days of the " account being restricted '', I called the number on the back of my card which is what my online account indicated I should do for any issues.
I was told that this account is managed by a " specific department '', and they were unable to help me, but would " pass along my request '', and someone would get back to me. They literally could not tell me anything about this account.
After 4 phone calls to customer support and speaking with a manager, I was told it can take 7-10 business days for someone to get back to me regarding this issue.
A full 7 business days later, I finally get the call from the as they refer to themselves " back office ''. I was told- the account has been cancelled and can not be re-opened.
Astounded, I wanted to know why and what happened, as this is a personal account with no late payments and all legitimate activity paid through my personal checking account.
I spent 40+ minutes on the call ( which is recorded and can be listened to ) and the lady I spoke with, XXXX XXXX was absolutely useless and kept repeating the same vague info on repeat.
Here is what I was told : Your account has been cancelled, as it was found to " not be consistent with our new policy ''. I asked, " what new policy ''? She blatantly lied to me and said on XX/XX/XXXX - they had a new company policy that says any account that is not used for personal, family, or household use can't be used anymore ''. THIS " NEW '' POLICY CAN NOT BE FOUND ANYWHERE ONLINE!!! I HAVE EVIDENCE.
There were no communications sent to me by email or mail XXXX illegal ) - and she said you can refer to the terms and conditions online- well, they show a last update date of XX/XX/XXXX. I have screenshot evidence of everything.
I then asked, well, can you please tell me what is inconsistent with those 3 categories above on my card? She said no. She could not tell me anything.
I used the card for 6 months, strategically to take advantage of the rewards benefits for me and my family like any smart card owner would do, and they decided I was costing them too much money in rewards, so they LIED to me about this change of terms, and then closed my account. Not to mention, they did not even bother to let me know anything for 22 days!!!! - which in their terms say they legally have to notify me of any changes by mail. It has been 23 days since, and no mail received.
They are falsely representing this card as having UNLIMITED 4 % cash back on categories such as sporting event, concerts, and dining- which is exactly what I used the card for- but then decide if they think you are repeating the benefits of this card too much they will shut your account down and not notify you unless you hound them over the phone for an answer.
The worst part is they are LYING to people ( current card holders and new potential card holders ) - as if you look at their sales description- it is very evident there are no restrictions to the amount of awards you can get on this card so long as it is for personal, family, or household use. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am a smart person, I know a good rewards program when I see one. They put this card out there, which does come with an annual fee of $ XXXX and probably realized they were losing money on this.
Their solution? Close any one 's account which is deemed to be getting too many rewards even though it is advertised as UNLIMITED. Customer support was horrendous and I want people to beware of this card and this company.
I have been a Capital One customer for sometime, and never had this type of experience. They are lying to people and practicing bad business practices by falsely telling people they had a change of terms- but that is a lie, and they just bank on people not reading through all the fine print- which I did.
They closed a legitimate card holders account with a credit score of over 800- with no notice, and then lied about it to compensate for the fact they are abusing their rights in the customer agreement by saying, " we offer unlimited awards, but oh no, if you accrue too many rewards, we will just shut you down and never think twice. '' Solution? If they were smart, they would just cap the annual rewards like most companies do. That is fair, honest, and transparent. But, when you falsely advertise as unlimited rewards and then decide you are going to shut people down if you think their rewards accrued is too high, lie about it, provide no specific information to justify their cause, that is WRONG.
As mentioned, I have documented evidence of the fact that nowhere in their terms does it say, " if we find your account to be inconsistent with our expectations of personal use, we can shut you down. '' DOCUMENTED NOWEHERE. TERMS HAVE NOT BEEN UPDATED SINCE XX/XX/XXXX!!!!!!
As an honest customer, I feel like I have not only been treated wrongly and unfairly, but there needs to be some kind of accountability for this behavior. I was told " you can try applying for a new XXXX card ''. I asked XXXX on the phone if there was even a possibility of getting another one. I have my credit frozen and said as a courtesy after all of this, if there is a policy in place that says you can't re-apply for the same card in X amount of time, to just give me the courtesy of saving my time and hassle.
She said I am still eligible for the card ( oN RECORD ). So, I unfroze my credit, applied for the card, credit score of 800+, high income, and was INSTANTLY REJECTED. YET ANOTHER LIE.
I also presume since it took so long to call me back, that there are many other customers affected by these bad business practices. Capital One needs to understand they can not prey on people and mislead them, to then treat them horribly, and lie about reasoning for cancelling the account.
I intend to share my experience and truth with their Investor relations, on every online forum I can find, will provide as many reviews on this card as possible, blast on every social media outlet, and file as many complaints as possible, as this type of malpractice needs to be put to an end.
Not to mention, since Monday they have already changed their sign on bonus from {$500.00} to $ XXXX which just FURTHER affirms my points above that they are trying to mitigate their financial impact from offering such a good card and screwing their customers over in the meantime!
Please reach out to me for any future details, as I am happy to share my evidence and as I mentioned, this call with XXXX was recored.
Thank you.
|
08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
Capital One reduced my credit limit without any notice.
That is bad business and can effect my credit score.
************************************************************************Skip to content Don't Leave Money On The Table Save Money Where ever possible Menu Home Guide Credit Card & Bank Account XXXX XXXX XXXX XXXX XXXX XXXX & Bank AccountCapital One Lowering credit limit for card holders XX/XX/XXXX Capital One Lowering credit limit for card holders Based on the recent reports, It looks like Capital One is lowering credit limit on its credit cards. Its still not clear on what basic these limits are decreased but many people found that their credit limits were decreased drastically. Few example : Savor limit decreased from around XXXX to XXXX Venture limit decreased from XXXX to XXXX QuickSIlver limit decreased from {$7500.00} to {$1500.00} Business cards limits are also decreased Some people dont see any changes. We know many issuers are doing this because of COVID as credit card companies wants to reduce the risk because of financial uncertainty.
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XXXX XXXX XXXX get {$40.00} off on {$100.00} spend About The Author admin Subscribe { } [ + ] 0 Comments Trending Now XXXX XXXX XXXX XXXX {$250.00} credit + XXXX XXXX XXXX XXXX XXXX signup offer XXXX XXXX XXXX for {$45.00} and get {$45.00} GC Capital One Lowering credit limit for card holders XXXX XXXX XXXX {$300.00} Business Checking {$10.00} off {$50.00} on your next 2 XXXX XXXX order XXXX XXXX XXXX for your yard XXXX XXXX XXXX Deals / XXXX XXXX Deals Site Map Free XXXX XXXX for select XXXX XXXX XXXX Latest Posts XXXX Refer A Friend Both gets {$10.00} XXXX Get {$10.00} off {$60.00} when you use XXXX cash back XXXX cashback offers Additional discount with credit card points Get {$20.00} off {$80.00} purchase at XXXX with XXXX point redemption Capital One Lowering credit limit for card holders XXXX XXXX Join for {$45.00} and get {$45.00} GC XXXX XXXX XXXX {$300.00} Business Checking Bonus ( up to {$600.00} bonus ) XXXX launches XXXX To help track maintenance, recalls, etc XXXX XXXX Schedule Now open until XX/XX/XXXX XXXX XXXX XXXX {$5.00} for new and existing members Support this website You can help support this site by using our affiliate links.
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XXXX Don't Leave Money On The Table Back to Top Welcome to the XXXX Archives Thanks for visiting XXXX. As of XX/XX/XXXX, XXXX is no longer producing new content, but feel free to browse through our archives. Here you can find 12 years worth of articles on everything from how to avoid dodgy scams to writing an effective complaint letter. Check out some of our greatest hits below, explore the categories listed on the left-hand side of the page, or head to XXXX for ratings, reviews, and consumer news.
Capital One Is The Most Complained-About Credit Card Company XXXX XXXX XXXX EDT By XXXX XXXX @ XXXX what's in your wallet capital one cfpb credit cards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Since the Consumer Financial Protection Bureau opened its credit card complaint portal in XXXX XXXX, more than XXXX complaints have been filed with the CFPB. And while the 10 largest credit card issuers account for 93 % of all those complaints, one company is responsible for more than 1-in-5 of all complaints filed with the Bureau : Capital One.
Thats according to the XXXX XXXXXXXX XXXX XXXX XXXX new report [ PDF ] that analyzes some of the available data about the CFPB complaint portal.
With XXXX complaints filed between XXXX XXXX and XXXX XXXX, Capital One cards accounted for 21 % of all consumer gripes. Citibanks credit cards were the second most complained-about ( 4,514 complaints, 18 % of the total ), followed by XXXX XXXX XXXX ( 3,320 ; 13 % ).
Problems with Capital One cards appear to be a nationwide issue, with Cap One receiving the most complaints from consumers in 43 states. In six of the remaining states Connecticut, Maine, Maryland, New Mexico, New York, Utah Citi earned the most complaints, with XXXX XXXX XXXX being the most-hated card issuer in Alaska.
The complaint portal isnt just for consumers to scream into a black hole about their credit cards. The idea is that the card company is supposed to respond to each complaint within a given time frame. Of course, the cardholders arent always pleased with the card companies responses.
If the consumer is unhappy with the card issuers response to the complaint, he can file a dispute. Once again, Capital One cardholders filed the most disputes ( 1,044 ), meaning about one out of every five Cap One complaints were disputed. This may have been the largest number of disputes, but its not the highest rate. That belongs to XXXX XXXX, where cardholders disputed 26 % of the resolutions suggested by the card issuer.
In terms of what people are complaining about, billing issues represented the largest percentage of complaints ( 18 % ), followed by gripes about interest rates ( 10 % ), identity theft ( 7 % ), credit reporting ( 7 % ), or closing and canceling accounts ( 6 % ).
In the end, the majority ( 60 % ) of all credit card complaints are resolved with merely an explanation from the card company. Complaints resulted in monetary relief 29 % of the time, and with some sort of non-monetary relief in another 10 % of cases.
Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.
XX/XX/XXXXBy XXXX XXXX XXXX XXXX what's in your wallet capital one cfpb credit cards XXXX XXXX XXXX XXXX XXXX express Previous Tractor-Trailer Overturns, Spills 40,000 Pounds Of Chicken Next XXXX XXXX Pricing May Drop Call On Potential XXXX Merger Related a look at the complaints Complaints About Student Loan Servicing Increased 429 % In Past Year if you don't have anything nice to say Credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX Top List Of Most Complained-About Financial Companies another increase Complaints About Student Loan Servicing Increase In Nearly Every State do not pass go Proposed Rules Would Take Away Banks Get Out Of Jail Free Card Part of Founded in XXXX, XXXXt is an independent source of consumer news and information published by Consumer Reports.
About Us Connect With Us No Commercial Use Policy Privacy Policy User Agreement Work With Us Privacy Policy User Agreement XXXX Consumer Reports Capital One bank has reduced my line of credit for " inactivity ''.
Evidently there are alot of complaints online about Capital One bank reducing credit limits, and closing accounts with out any type of notice being sent out. Supposedly Capital One is notorious for this type of banking practice.
That is bad business. I feel there are enough legitimate complaints online to begin an investigation into Capital One banking practices.
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12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Hello first of all, I would like to say that my problem began when I opened a checking account on XX/XX/2023 with Capital One I applied for a credit card, they approved it for {$300.00} ... super happy, I thought about the idea of requesting a checking account, for several reasons 1 Make it my main bank 2 receive my direct deposit as soon as possible since I never have any money left over. 3 That it would be easier for me to make credit card payments. And more... I was so happy that I even managed to get my husband to open one with them too. Anyway, everything is very good... they opened the account for me, close to my baby 's birthday ... which is XX/XX/XXXX, he was turning XXXX year old and some friends and family sent me money as a gift for him through XXXX. Figures of {$200000.00} dollars, to my surprise Capital One restricted my money to verify it because it seemed like unusual transfers. I call the bank, answer questions, etc. etc. They return the money to me for use within a few days. All this for less than XXXX XXXX Days go by, I set up my direct deposit, everything is fine. They transfer money to me again ... XXXX dollars and XXXX, the same thing happens to me again, funds under verification, I call again, I explain, I give details of my life etc etc etc. Everything the same as last time, they let me use the funds again The rent payment is approaching and my husband and I are worried about completing the $ on time because as I said before we never have too much, rather we are tight. I work at XXXX and I get paid in XXXX ways, direct deposit or a quick payment of half my salary that I can only transfer to a XXXX card they give us. Near the date I receive my payment via direct deposit and I decide to transfer {$310.00} to my XXXX card and from there transfer it to my Capital One checking account. All this to complete the rent payment.
My funds in the capital One checking account were about XXXX, my husband transferred {$560.00} through XXXX, plus the XXXX deposit that I had already transferred from XXXX to capital one, we would pay the rent, day XXXX the deposit did not arrive, Day XXXX I did not receive it, day XXXX ( last day in the condominium where I live ) to pay on time and not be fined {$130.00} dollars for late payment ) and I still did not receive my deposit. I already had to leave for work and still no money. I decide to call my stepfather to lend me {$200.00} so I can make the payment, I would return it once the XXXX arrived. To my surprise Capital One restricts my funds again and puts the {$200.00} under verification. I decide before leaving for work to pass all the money to my husband, {$1100.00} for fear that they would restrict that too and then I wouldn't be able to pay in any way. When I return from work I check my card again and finally the XXXX were there. It was the early morning of the XXXX, I sent that money to my husband and from his phone I paid the rent at that very moment, A PAYMENT THAT AFTER ALL THAT EFFORT ON MY PART WAS LATE AND WITH THE RESPECTIVE FINE THAT I HAVE NOT YET BEEN ABLE TO PAY XXXX. Well, I had already half solved a problem, I was missing my stepfather 's {$200.00} still frozen in my account. I contacted the bank again, the person who helped me did not speak XXXX, I do not speak XXXX, we called an interpreter. I don't know if this could be part of the problem, the translation, well, the first question? With what intention did you open this account with Capital One? Who sent you this money? And this other one? Who is this person? And this one? I, with all the patience in the world answering each of the questions that seemed to me the truth out of place, seemed more like I was a criminal who was being tried by a police officer, instead of an ordinary person who was talking to a representative of a bank. The truth is that the situation made me very frustrated and I felt very bad. The person who was answering my call even put me on hold and called my husband to confirm that it was my husband and that I was telling the truth, meaning my word is not valid. I also call my stepfather. I am XXXX I am legally in this country and as of XX/XX/XXXX I have been living here for XXXX years.
The man asks me about transfers what is in my XXXX, I explained that I have XXXX small children in XXXX, ages XXXX and XXXX, father, grandmother, friends and the rest of the family, that here I also have uncles, nephews, cousins, friends, etc. etc etc and that both I and those people who are here make sure to send our family medicines and hygiene every month due to the desperate situation that is happening in XXXX at the moment and that I am the one in charge of that... I miss and I didn't tell this to that person, about a month ago I had my father hospitalized due to a XXXX XXXX and I have had to help more than I normally do, seeing as I am pressed to pay my bills here, that is the why of the transactions. That person decides to close my account or accounts at that moment, telling me that Capital One did not want to take risks with me and that it was breaking off relations with me. The truth is I was shocked, I didn't understand anything but I ended the call cordially. After a few minutes of thinking carefully about the situation, questions come to mind like what happens to that {$200.00} now? In summary, what is the crime? Send food to my children and other relatives in XXXX? What clarified, I don't even do it through the government? Do I do it through individuals with XXXX Companies? Is Capital One a XXXX bank? Are you discriminating against me because of my nationality? I tried to call the bank again to clarify these doubts and to my surprise they also restricted my number!!!! Am I a criminal who doesn't even have the right to make a call to you? I don't understand anything. I search on XXXX : Reasons why Capital One would close my checking account? XXXX, scam, human trafficking, money laundering!!!!!!!!!!! Now I'm even more shocked!!!! Because I can't believe they found me labeled under any of those names for XXXX 's sake. This is a lack of respect towards me, the truth is... they didn't even take the delicacy to explain to me well what was happening, not even the person who attended to me had the decency to tell me, you know what? You can't make so many transfers or you can't let them transfer more money to you like that! Or we believe that this account is not the one you need if you are going to do these things, we have this other one or why don't you try another bank that is more in line with your needs? Or I don't know what... but treat me like the plague ohhhh for XXXX! What worries me most is that they will put a record or something like that under my name with XXXX of those labels and it will cause a problem when I try to open an account at another bank. From XX/XX/2023 to XX/XX/2023, in my account statement I have XXXX money coming in XXXX money that comes outIf we take away from this my direct deposit, from my payment for working honestly at my workplace, we take away the money that my husband gave me and that I spent again in order to pay the rent and my other expenses, how much Are we talking less than {$800.00} on XXXX? Maybe much less ... it seems to me that in the United States XXXX dollars is a pittance... it seems to me that a month of XXXX dollars is a month for a poor person in this country and that those figures do not speak of defrauding anyone, nor of laundering. money, or trafficking anything. I apologize in advance because I will use the translator and I don't know if there may be any errors in the translation. I hope that my case is heard and turned out and that it doesn't happen to more people. Thank you
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07/13/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem making or receiving payments
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Web |
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Capital One ( 1 ) is not timely crediting and making available deposits received ; ( 2 ) falsely denied receipt of payments from my client that the client verified were received by Capital One and provided a tracing number to enable Capital One to trace and credit the funds it denies receiving ; and ( 3 ) both my client and I have been damaged by multiple false, misleading and inaccurate statements made by Capital One representatives in connection with these events.
This is not the first time that payments deposited to my accounts are not timely available,. Usually this occurs with check deposits, where Capital One places and maintains a hold on payment even after the client bank has paid the check. Because of recurrent problems with this, our clients are urged and incentivized financially and operationally to pay electronically.
This case involves two payments sent by a client on XXXX : a {$5000.00} payment and a {$15000.00}. These payments were supposed to be wired on XXXX as a condition of our continuing work for the client and his qualification for a retroactive timely payment credit. Unfortunately, due to a misunderstanding with his accounting team, the payments were sent as ACH payments rather than wire. By the time the accounting team discovered on Monday XX/XX/XXXX that the payments were supposed to be wired, rather than sent by ACH, the transmitting institution already had processed the XXXX payment directive, withdrawn the funds from the client 's account, and placed the funds in transit.
Consequently, the client was told it was impossible to cancel that transaction so that the client could replace it with a wire, but was assured that the payment would be received by Capital One on or before Wednesday, XX/XX/XXXX.
As a result of these circumstances, the reliability of receipt and crediting of the funds to our Capital One account became critical. Under the terms of our policies, no additional work could be performed for the client 's impending deadlines and the billing credit is dependent on when the payment actually credits to our bank account. If the bank did not show the ACH payments as received by XX/XX/XXXX, the client would be required to wire a {$20000.00} replacement payment today ( XX/XX/XXXX ), Before agreeing to wait until XX/XX/XXXX for the ACH payments to be received, I visited Capital One 's XXXX XXXX XXXX Texas breach to inquire about its policies for receipt, recognition and crediting to our accounts of ACH payments. In two separate conversation with two separate tellers, I was assured that unlike checks, ACH payments are autoprocessed by Capital One and appear in the customer account immediately when the transmitting institution 's electronic ACH payment is received to the Capital One system without any delay for further processing.
Unfortunately, as of XXXX XXXX Capital One continued to report that it has not received any ACH remittances to our account from XXXX, the sending institution. Furthermore, when I spoke with a representative of Capital One around XXXX XXXX, he told me that had the payment been transmitted, it should be visable in the Capital One acocunt at that time. He indicated that he believed the absence of any evidence of the payment in the Capital One system reflected either that the payment wasn't sent or a " problem '' with the payment. He encouraged me to contact the client to get tracing information, which I did.
In response to my call, the client 's accountant contacted the transmitting institution and obtained confirmation that the payment was sent and a tracing number. She then initiated to Capital One to inquire why it wasn't recognized, which I joined. During that call, Capital One continued to deny receipt of any payments and said it can't use the tracing number or do anything further to investigate. Rather, I would just have to wait to see if the money ever appears.
Understandably, the client was displeased with the response, particularly as the Bank is denying receipt of payments that the transmitting institution has confirmed have been received by Capital One and provided a tracing number for Capital One to use to find the missing payments.
Transfer to a supervisor produced an explanation that Capital One has no record of receipt, that it " doesn't use '' tracing numbers, that if the payment was received there is no option but to wait and see if in the next 3-5 days, the payment magically appears from where it is lost in the Capital One system. Following that approach, the failure to timely recognize the deposit clearly received as documented by the tracing number will prevent me from timely paying bills as well as put me in the untenable position of having to decide whether to punish the client for Capital One 's inappropriate procedures. Either way, Capital One already has damaged me by providing inaccurate information, defaming the client and not making funds available in a timely fashion.
In a subsequent call back to Capital One, I was connected to XXXX Id # XXXX, Ally also looked into the system several ways but could not locate the payment. She attempted to search using the tracing number. She also confirmed that the routing number and account information used to transmit the payment were appropriate. However she couldn't find the payment. She said she would send an email to the department that handles those matters. Consistent with my experience in attempting Capital One to investigate and address multiple obvious breaches of my account data and other prior legitimate concerns with Capital One, she warned me that she didn't expect anyone would get back to her today or anytime soon. However she took my number and said she would call me back with an update.
At this point, even if the payment eventually appears, I already have been harmed by my reliance upon misinformation provided by Capital One about its ACH procedures and the timing and availability of funds, its false claims that it has not received the ACH transmission that the client documentation establishes it has received, the injury to my client relationship created by the false representations by Capital One that the payment was not made and the lost time and concern arising from the deficiencies and misrepresentations of Capital One.
These concerns are made even more troublesome taking into account Capital One 's long history of failing to appropriately protect my and my accounts from identity theft and hackers. Pending Capital One 's ability to locate the payment and properly credit it to my account, there remains based on prior history with Capital One a very real possibility that the payment has or will be misdirected to an identity thief or other inappropriate third party.
I am confident the transaction in question can be easily traced should it be required by the Bank Examiner, the Department or Homeland Security or some other state or federal entity with disciplinary authority over Capital One. Unfortunately, every customer of Capital One knows that it simply can't be bothered to reliably perform the banking responsibilities for an actual customer.
While I wait, I am left in an untenable position of wondering where the funds I need to make payroll and other bills that should be in my account by now are, knowing that Capital One will hold me accountable for any deficiencies available funds to cover any payments that may be presented to my account even where those deficiencies are as a result of its own improper conduct. I also have been required to invest more than 5 hours of my % 675 per hour time trying to troubleshoot a problem that should never occur at any legitimate banking institution in the US.
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03/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Capital One ReBill {$62.00} for XXXX Dispute. I purchased merchant from XXXX 's after market merchant reseler name " XXXX '' XX/XX/XXXX XXXX Order : Online order XX/XX/XXXX Order # XXXX Order received XXXX + XXXX XXXX Lithium Pet Hand Vacuum Capital One Credit Used XX/XX/XXXX -- -- -- -- -- message sent to XXXX which XXXX require contact directly with after market merchant -- -- -- -- -- I HAVE BEEN TRYING TO RETURN LAST 2 WEEKS. FROM XXXX ORDER WEB SITE NO INFORMATION ON YOUR COMPANY. FINALLY FOUND PHONE NUMBER BUT NO ONE COME OUT. NO RETURN POLICY WRITTEN OR FOUND. NO CHOICE BUT TO SEND EMAIL AND DISPUTE ITS CHARGE. PLEASE SEND XXXX NO AND ADDRESS FOR RETURN FOR REFUND. with giving my phone number, order number and address.
On XX/XX/XXXX XXXX XXXX, " XXXX Sales '' XXXX wrote XXXX Thank you for your email. No problem getting you a refund.
We are sorry to hear that you want a refund. We try very hard to accurately describe all our items and to include all the information needed for you to make the correct purchasing decision. All packaging must be included and the item must be complete.
Refunds are not issued for any shipping charges. Please return the product to us and include : 1. Copy of this email 2. Name 3. Address 4. Order number if available 5. Reason for return 1. Keep coming out Handler. Easy to get stuck. Piled up dust in filter too quickly after few minutes or several minutes. Easy to loss of sucking power. etc. Too much trouble.
For your protection, we recommend that you use XXXX or XXXX XXXX XXXX Mail for shipment so that it can be tracked and or verified that we received the item. Our address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Refunds are processed within two business days of receipt of the returned product.
Refunds are credited to the account that was used to make the purchase.
We look forward to assisting you in this matter and hope that we can work together again soon. Your time and business is appreciated. Thanks again, XXXX XXXX XX/XX/XXXX Respond and got XXXX number. Reason for return is " Defective '' XX/XX/XXXX -- - Sent Message to XXXX -- I am ready to return but unless you email me paid shipping lable I can not send. Please provid asap.
XX/XX/XXXX Thanks for your email. We dont use prepaid labels since we shipped the item to you at our expense. We pay to ship to customers and customers have to pay to ship to us.
Thanks for shopping with XXXX. Please let us know if we can assist you in any way. Thanks! XXXX XXXX Store On XX/XX/XXXX, at XXXX XXXX, XXXX Customer Care XXXX wrote : Dear XXXX , ** THIS IS AN ESCALATION ** Do NOT reply to this email Order number : XXXX Item name/number : XXXX/ XXXX XXXX XXXX Cordless Lithium Pet Hand Vacuum / Customer name : xxxxx Customer phone number : XXXX Description of issue : Please contact the customer to arrange to cancel/return/replace an item they ordered from you What you need to do now 1. Contact the customer and provide a level of service that will satisfy the customer 2. Communicate directly with the customer and let them know what action you have take If there is a technical issue that XXXX needs to be aware of, open a support ticket referencing the order number and the issue/problem.
Sincerely, XXXX Customer Care Issue : XXXX Refuse to provide Paid Return Label. Customer has to pay even product is defective. Keep falling apart or separate Vacuum part and Handle Part. Vacuum power does not last long. UPS Ground Shipment Cost with Insurance up to {$100.00} is {$20.00}. Why customer has to pay? no refund or guarantee from XXXX?
XX/XX/XXXX Chat with XXXX : XXXX XXXX : Thanks for chatting with XXXX! XXXX XXXX XXXX and Ill be assisting you today.
Enter Your Contact Information Please review your contact information and make sure it is correct before clicking Submit.
First Name * Required Last Name * Required Phone Number * Required Email Address * Required Order Number Please briefly describe your reason for contacting us. *Required Refund on Order No. XXXX. XXXX XXXX Cordless Lithium Pet Hand Vacuum Due to Defective. Returned by XXXX XXXX no. XXXX Delivered on XX/XX/XXXX XXXX XXXX I paid {$20.00} for shipping. No Refund of {$62.00}. Pls Advise XXXX or XXXX Never refunded me {$62.00} in addition I lost {$20.00} for shipping for return on defective product.
XXXX XXXX : Hello I hope you are having a great day! Im so sorry to hear that you are having issues with this refund and Ill do my best to help out.
XXXX XXXX : For security purposes can you please provide your full billing address including city, state, and zip code that is linking with the XXXX account that was use to placed the order? XXXX XXXX XXXX : Awesome! XXXX XXXX : I was able to see that your item was sold and shipped by a third party seller ( XXXX ) please may I know if you already tried to reach them? As they fulfilled the item.
Respond : They never responded back to me.
XXXX XXXX : I'm so sorry to hear that!
XXXX XXXX : Do not worry, you are in good hands.
XXXX XXXX : For this reason, I'm escalating this incident to a specialized team.
XXXX XXXX : And I will be glad to contact the seller in your behalf, to have this incident resolved in the best way for you.
XXXX XXXX : I will be glad to request the best option for you, and in no more than 1 business day we will contact you back via emails, with the details of your refund process.
I Responded : I also paid {$20.00} for Shipping back to them even though it was defective. Keep falling off the handle and vacuum part and sucking power looses sooner. ; Don't I get a reimburse on this unit? they were refusing to pay for it.
XXXX XXXX : I'm so sorry to hear that! I really appreciate your time, to bring this incident to our attention. I'm happy to transmit your information to the proper department.
: Our department will reach you tomorrow via email, regarding this situation.
XX/XX/XXXX Before they reach me by email, I found out Captial One has Rebilled on XX/XX/XXXX today to my Master Card for {$62.00} for this order instead of Renfund after Capital one has made courteously credit was made.
Appears on statement as : XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX ... xxxx {$62.00} XXXX, AR XXXX Purchased : Mon, XX/XX/XXXX Posted : Tue, XX/XX/XXXX Spoked to several people in Capital One and expects me to fill out the form and return for dispute for. Just going circle and not being able to talk with Supervisor in the USA.
Dispute Department and Fraudulent Department staff are out sourced and they informed me All Supervisors are in the US and I have to call back next day instead of they calling me back.
XX/XX/XXXX There are {$4900.00} credit form XXXX but this is not amount that it should be.
XXXX Grocery ... xxxx - {$49.00} AR XXXX ( XXXX ) XXXX Merchant Website Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX XXXX AR XXXX XXXX I have tried every thing to return product that purchased with XXXX After Market Seller and contacted dozen times with XXXX '' s seller, XXXX and Capital one and ended up spending more than 12 hours for returning Defective Product. I already provided XXXX proof of delivery, not receiving {$62.00} for refund, Capital one expected me to do many works and had to speak with several people and not being able to resolve.
With XXXX I can not tract any return and refund status especially with 3rd party XXXX 's reseller or aftermarket Merchant. They do not inform any of refund status. Third party Merchant does not communicate much especially after the merchant has sent back. It is not like XXXX that always keep track of all the order, return, refunds.
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05/22/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
On XX/XX/XXXX I submitted to Capital One Bank via E-mail a two page letter, a two page attachment, and five exhibits documenting that XXXX, which had become part of Capital One Bank, had in XXXX mislabeled Roth IRA of mine as a Traditional IRA. Subsequently this mislabeled IRA was comingled with a traditional IRA, in violation of Federal Law, specifically Title 26 of the Code of Federal Regulations, which forbids comingling of Roth and Traditional IRAs.
That letter and attachment is reproduced here without account numbers and other personal information : XX/XX/XXXX XXXX XXXX XXXX IRA Department Capital One Bank XXXX. XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Capitalone360.com XXXX Re : Comingling of Roth and Traditional IRA Funds as A Result of Mislabeling Error at XXXX Dear XXXX XXXX XXXX : Again I want to thank you for what you have provided to me regarding the fact that you have no transaction records prior to XXXX of XXXX, which was merged into XXXX XXXX, which was subsequently merged into Capital One Bank.
As Capital One is well aware, I am a customer presumably because of dedication to service and to conformance with the law, particularly regarding fiduciary duties. That is why I anticipate full cooperation with regard to the following matter : In XXXX, my XXXX Roth and traditional IRAs were transferred to XXXXXXXX XXXX, which made a bookkeeping error and labeled all transferred funds as traditional IRAs regardless of some of them being Roth IRAs. In XXXX, these funds were transferred to XXXX XXXX and comingled into one account. Eventually these funds were transferred to XXXX XXXX IRA account xxxxxxxxxxxx.
Recently I became aware that trustees are not allowed to commingle Roth and Traditional IRAs and I am putting you on notice that an audit on my XXXX IRA account XXXX is necessary to monitor for and to reverse comingling of Roth and traditional IRA funds in violation of Federal Law. Your possible responsibility as a past successor trustee, as a result of your purchase of XXXX, in this regard is specified in the Code of Federal Regulations, Title 26 1-408-2 in which it is stated in part under subsection ( iii ) Audits ( A ) At least once during each period of 12 months, the applicant will cause detailed audits of the fiduciary books and records to be made by a qualified public accountant. At that time, the applicant will ascertain whether the fiduciary accounts have been administered in accordance with law, this paragraph, and sound fiduciary principles. The audits shall be conducted in accordance with generally accepted auditing standards, and shall involve whatever tests of the fiduciary books and records of the applicant are considered necessary by the qualified public accountant And in which it is stated under subsection ( vii ) Books and records : ( A ) The applicant must keep its fiduciary records separate and distinct from other records. All fiduciary records must be so kept and retained for as long as the contents thereof may become material in the administration of any internal revenue law. The fiduciary records must contain full information relative to each account.
And in which it is stated under subsection ( 5 ) Prohibition against commingling : ( i ) The assets of the trust must not be commingled with other property except in a common trust fund or common investment fund.
Please confirm in writing within 15 days that Capital One has verified that 1. In XXXX, my XXXX Roth and traditional IRAs were transferred to XXXX XXXX, which made a bookkeeping error and labeled all transferred funds as traditional IRAs regardless of some of them being Roth IRA ; 2. Comingling of my Roth and traditional IRAs did occur at XXXX XXXX ; 3. XXXX was merged into XXXX XXXX, which was subsequently merged into Capital One Bank.
4. The comingled Roth and Traditional IRAs in question were transferred and presently exist in XXXX XXXX IRA account XXXX ; and 5. Capital One Bank will properly segregate the comingled traditional and Roth funds into separate accounts in conformance with IRS regulations.
To aid you in above endeavor I am supplying you with Attachment A, which is a tracing from my personal financial records of my Roth and Traditional IRA funds from XXXX, with XXXX as Trustee, to the present, with XXXX XXXX as Trustee. This attachment shows that Roth IRA funds were mislabeled as traditional IRA funds by XXXXXXXX XXXXk in year XXXX and that they were subsequently comingled by XXXX XXXX in XXXX. It also shows that these funds eventually became part of my IRA portfolio with XXXXXXXX XXXX as Trustee.
Thank you in advance for your anticipated prompt cooperation with the above requests.
Very Truly Yours, XXXX Sent by E-mail : XXXX ATTACHMENT A a. XXXX XXXX Roth IRA Accounts XXXX XXXX XXXX, both of retirement ID # XXXX and totaling {$4400.00} ( Exhibit 1 ), were transferred to XXXX XXXX Account XXXX in year XXXX. XXXX XXXX sent me a XX/XX/XXXX dated letter, certificate of deposit receipts, and three XXXX quarterly statements, all indicating that these funds were invested as a traditional IRA ( Exhibit 2 ) in spite of my indicating on my IRA Transfer request form that funds were coming from a Roth IRA at XXXXXXXX XXXX ( Exhibit 3 ). XXXX quarterly statements at XXXX indicate that there was no recharacterization of the funds in that transferred IRA ( Exhibit 2 ). Therefore, XXXX XXXX mislabeled the Roth IRA as a traditional IRA.
b. In the fall of XXXX I made application with XXXX XXXX to effect a rollover from XXXX XXXX into XXXX Traditional IRA Account XXXX as follows : 1. ) {$4900.00} from XXXXXXXX XXXX account XXXX was deposited onXX/XX/XXXX ; and 2. ) {$29000.00} from XXXX traditional IRA account XXXX was deposited on XX/XX/XXXX.
Relevant documentation is shown in Exhibit 4.
c. In the fall of XXXX I effected an IRA rollover from XXXX XXXX to XXXX XX/XX/XXXX as follows : : {$39000.00} from XXXX XXXX Account XXXX was rolled over into XXXX XXXX account XXXX.
Relevant documentation is shown in Exhibit 5.
d. In the spring of XXXX I effected an IRA rollover from XXXX XXXX and XXXX XXXX to XXXX XXXX XXXX as follows : 1. ) {$39000.00} was transferred from XXXX XXXX Traditional IRA Account xxxxxxxxxx to XXXX XXXXXXXX XXXX Traditional IRA account XXXX ; and 2. ) {$4100.00} was transferred from XXXX XXXX Traditional IRA Account XXXX to XXXX XXXXXXXX XXXX Traditional IRA account XXXX.
Relevant documentation is shown in Exhibit 6.
e. In the fall of XXXX I effected an IRA rollover from XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX as follows : On XX/XX/XXXX, a check of $ XXXXwas received from XXXX XXXXXXXX XXXX XXXX account XXXX and deposited on XX/XX/XXXX into XXXX XXXXXXXX XXXX Traditional IRA account XXXX.
Relevant documentation is shown in Exhibit 7.
f. In XXXX, XXXX XXXXXXXX XXXX was taken over by XXXX XXXX XXXX XXXX having the same address.
Relevant documentation is shown in Exhibit 8.
g. In XX/XX/XXXX I effected an IRA rollover from XXXX XXXX XXXXXXXX XXXX XXXX XXXX to XXXX XXXX as follows : On XX/XX/XXXX, {$110000.00} a checkwas received from XXXX XXXXXXXX XXXX Traditional IRA Account XXXX and deposited into XXXX IRA Account XXXX on XX/XX/XXXX.
Relevant documentation is shown in Exhibit 8.
On XX/XX/XXXX XXXX XXXX of Capital One Bank responded via E-mail that Capital One Bank could not, in spite of my supplying pertinent business records, verify the bookkeeping error of XXXX in XXXX He referred me to the legal department if I would like to pursue this matter further. I take that to mean that I am going to have to file a lawsuit to get any possible satisfaction.
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12/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I originally signed into my online account on XXXX XXXX. I was going to request a new card as I had paid off my account balance and was going to possibly use some of my credit over the XXXX season. While I had a balance, I had autopay set up until the balance had bee paid off. I stopped the autopay after the balance was paid because at that time, I did n't think I would be making any charges and did n't even have a card in my possession. So, after signing in online, I saw that my account showed overdue. There had been a annual fee charged to my account the month prior and then a late fee added to that. I called to ask if these fees could be removed and spoke with a customer service representative. She was not professional or nice in anyway and I was ticked off by her attitude and shortness. She explained that if I wanted to keep my account, that only the late fees could be waived and if I decided to close it, that she could waive both the annual fee and the late fees. I asked about the interest rate I was paying and if it was possible to reduce that as my credit rating is good. She said that she could n't help me with that and that if I decided to pay the annual fee, I could speak with someone else regarding reducing those fees. I did n't understand why I could n't speak to someone about it at that time and it seemed to me that she did n't value me as a customer and was n't being the most professional and I hastily told her I wanted to close the account. Her response was n't one that I would expect since I had been a customer, a good customer, of Capital One for like XXXX years. Do n't have the exact number Maybe, longer than that. She did n't encourage me to stay or send me to retention or speak to me about the interest rate, which I asked about. She merely told me she would close it and it would take XXXX days to put it the closure and I would hear back from someone if they had questions.
Within minutes after hanging up, I thought I had acted in haste and immediately called back and relayed to the Customer service rep I got on the phone about what had preceded. She looked into my account, and said that it appeared my account was still open and that " no problem Mam, I can put in a request for your account to stay open and I reassure you that they will see this message and not close your account ''. I asked if she was sure, and she repeatedly said yes. She said she would put a hot message ( not sure of the exact wording but something like hot ) into my account so when they opened it then they had to read her message and it requested that the account stay open We then discussed getting me a new card out in the mail. She tried to process it and it would n't allow her to do so she said because I still had a pending annual fee. I was online at the same time and set up the autopay again but to pay that fee but she said she could n't get me a card unless the fee was paid. I could either wait till the autopay paid on XXXX XXXX or I could process the payment by phone that evening and she could have a card sent out to me. I said I would process it. She took my information and tried to process it but it was after the cut off time for it to get credited that day. Again, she reassured me that the payment would clear the next day and she herself would call me the following day, once the payment had cleared, to process the new card request. She stated she came in in the evening around XXXX pm ( actual time ca n't remember ) and call me shortly after. I said ok.
I did n't receive a call the next day on XXXX XXXX. The next day, I again went online to get the number so I could call about getting a new card and I signed into my account online and saw it showed closed. I then called and spoke with a customer service representative about the preceding events. They took down the information and reassured me that someone would be in contact. I waited and waited, and again called and was told that it was being researched and I would hear back. I did n't hear back so I called and sent 2 XXXX messages since they do n't have an email or any secure messaging available. I was told that It was being researched and I would hear back as soon as they had any information. I waited and was available by either number from XXXX XXXX thru about XXXX XXXX, when I shut off my cell phone number and got a new phone number. I was n't at home either, so neither number was valid at that time and on XXXX XXXX, I notified Capital One through my FB messaging of the new number I could be reached at. They stated they would forward this information to their partners and I 'd hear back as soon as they had any information available.
Today, XXXX XXXX, I called Capital One to find out what was happening with this case and see if my account was reopened and told on the phone that they had called my other number on XXXX XXXX about this issue and could no longer open my account. I explained to her, my conversation with the XXXX representative on XXXX XXXX and how she reassured me that my account would remain open and she then processed my payment for the {$29.00} annual fee, which has cleared my account. She said my account would remain closed because I was told that once it was closed, it was closed permanently unless it was fraud or some other error. I explained this was n't what I wanted nor what I was told. She stated that all the fees would be refunded. I only paid the {$29.00} annual fee, so I asked if that was refunded or was going to be, and she stated yes. I just checked and no refund is pending or processed yet.
She said I could apply for a new card and I explained to her that while I could, I did n't want that because I wanted this account since I had it for so long. A new account would not help to maintain my higher credit rating. When I checked online through my Capital One account on XXXX XXXX, I saw my credit rating was rating as XXXX so it 's better than average. It benefits me more to keep this account that I 've had for XXXX years and I 'm not sure why Capital One would n't want the same thing. It seems outrageous when I have a better than average credit rating for this particular card and I 've been a good customer for so many years.
I 'm uncertain why Capital One would not reactivate my account, when I was promised that this would happen and I should n't worry. It seems that a contractual obligation exists to reactivate my account as promised by the rep on XXXX XXXX and followed by the payment processing of my annual fee on XXXX XXXX. A new card was also ordered for my account after I was told that the account would remain open. As shown in uploaded email on XXXX XXXX, it shows the last XXXX of my account number is different from that in payment processing email received on XXXX XXXX. I think I should still have access to my online statements and records but I do n't as my account has already been deleted even though it 's been less than XXXX weeks since this issue began. I question, if the original representative followed the proper steps or disclosure of information when closing my account or why I was n't transferred to another representative to discuss the possibility of receiving lower interest rate or waiver of annual fees, before being told to decide to pay the annual fee or cancel my account altogether and supposedly get all the fees waived.
**Included in the pics are a copy of the payment processed through my bank and copies of the email notifying me of the payment processed on XXXX XXXX and also the previous statement email from XXXX XXXX, showing my previous account number.
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11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
I have two credit cards from Capital One - a personal card and a card for my small business. This complaint applies to both. I was set up for automated notifications to both my cell phone and email account one week before payments are due. I rely on these notifications as I work essentially XXXXXXXX XXXX XXXX XXXX XXXX days per week, and can be anywhere in the world when payments are due since I work domestically as a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a lengthy history of on-time payments each and every month, there came a time a month ago that I received no notification, either via email or text, until the payment was late ( by no more than a day or so ). As it is important to me that all payments are on-time, this was upsetting to me. After making the payment I immediately contacted Capital One 's customer service department to determine what had happened and why I had received no notification. They determined - and relayed to me - that for some reason, the notifications I had set up had cleared and were no longer set. I received an apology, and the customer service representative remitted the late fees ( one from each of the two accounts ). I was also promised that they would make efforts to ensure this did not happen again.
Unfortunately, it did happen again, one month later ( this past weekend ), when I once again received a late notice without ever having received any of the notifications I had set up ( email or text, on either card ). Once again it was no more than a day or two, and once again I immediately made payment and then contacted Capital One ( on XXXX XXXX XXXX XXXX ) to understand why notifications had failed a second time. The female representative I spoke with set up a conference call between me, her, and a Capital One technical support representative. With regard to text notices, the tech support rep theorized that a software update at Capital One 's end might have cleared the flags. As far as email notices were concerned, with all three of us on the line, the support rep attempted to manually trigger notices and we were all able to determine that they were bouncing. The support representative suggested that the ISP that handles the XXXX email account may be applying an overly strict Spam protocol that was not letting the emails through and therefore they were never actually reaching my computer. They suggested contacting the ISP and requesting that the Spam filtering be reduced to a less aggressive level. Although I have used the same ISP for more than a decade, have not made any changes to my email in years, am not aware of any changes made by the ISP, and have not had any such difficulty with any other vendor, I did subsequently follow through and make that request of my ISP.
Before disconnecting, I expressed the concern to the customer service representative that since creditworthiness is usually determined algorithmically by computer, I now potentially had four negative flags against my accounts : two latenesses each, however slight, against two different accounts. I expressed that since we had established that these were failures of technology and not my failures, I wanted to ensure that there would be no negative impacts moving forward. The representative assured me that there would be no such impacts. " I'm looking at your accounts right now, '' she told me. " You've been a perfect customer. I'm notating your file concerning what happened here. You're not going to have any problem about this. '' This morning, XX/XX/2023, I received an emailed notice from Capital One that the credit limit on my business card was being reduced from its original {$12000.00} to {$4000.00} due to the late pays on both accounts. This is the exact outcome the Capital One representative promised on XX/XX/2023, would not occur. As you know, having my credit limit reduced substantially by a lender is extremely damaging to my XXXX score. The effect is to punish me ( and my small business ) because Capital One 's technology failed - after an express promise to the contrary by a Capital One representative.
Because the failure affected both credit cards, I anticipate that while this complaint is pending, it is likely that the other card will receive the same punitive action, although that has not happened yet.
I called in response to the notice and ended up being transferred to an individual who identified himself as " XXXX XXXX' with an employee number of XXXX, and a job title of " Accounts Supervisor. '' XXXX made clear that he had the personal authority to return the credit limit to its original level, but refused to do so. He stated that despite the statements to the contrary by the previous rep and the technical support rep, he believed the notices had in fact been sent out. He didn't care what representations had been made before. XXXX refused to transfer my call to anybody else, stating that he was the highest authority who actually spoke directly to customers, and that this ended the matter.
I made one additional follow-up call to Capital One to obtain the first name and employee number of the female representative I had spoken with on XXXX XXXX XXXX the one who had assured me that there would be no negative impact from the two failures to send me the notifications I had subscribed to. Capital One 's representatives refused to provide that information but stated that the individual 's notes were indeed in their system and could be retrieved and read.
As the matter currently stands, the credit limit on my small business card remains at its reduced level and I anticipate that the company will do the same thing with my personal card while this complaint is pending.
As a secondary issue, the credit line reduction notice mentions " The amount of your recent monthly payment ( s ) relative to the balance on this Capital One account. '' After three years of relatively meager earnings by the business due to the pandemic ( but carried by my concurrent employment as a XXXX XXXXXXXX ), I had not been charging significant amounts to these cards. However, we then booked about {$50000.00} in work from a longtime client. I therefore felt free to run up the balances on these cards a bit in anticipation of that income. I was not aware that making payments that were more than the minimum but did not meet some unpublished criteria considered internally by Capital One would justify a credit line decrease. Presumably the reduction would not have occurred but for the late payments, taken in tandem with this secondary issue.
FIRST : I would respectfully advance the proposition that when a credit card company offers a notification service like this one, and a customer relies upon that system to their detriment, the company should be estopped from penalizing the customer in any way as a consequence of a failure of that system.
SECOND : It is unfair and unreasonable for a credit card company to maintain a secret set of criteria ( in this case, an unpublished relationship between balance and payment amount ) and use that to reduce a credit limit without advance notice and opportunity to correct the problem. If the bank has a concern about those two numbers, it should be required to publish the algorithm so customers know what their obligations are in advance. Additionally, if such a concern develops, the lender should be required to notify the customer and provide an opportunity for correction prior to taking action that will have a negative impact on the customer or the customer 's reputation or XXXX score.
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08/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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RE : Capital One Account No. XXXX Capital One Account No. XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character.
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : Creditor is in breach of any alleged agreement that it claims I am bound by.
Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization.
Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect.
Law in support of the above : SECURITIZATIONS 74. An originator of a typical securitization XXXX the transferor ) transfers a portfolio of financial assets to an SPE, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the SPE at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the SPE. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically ( daily or monthly ) thereafter for a defined period ( commonly three to eight years ), referred to as the revolving period. During the revolving period, the SPE uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the SPE are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the SPE.
See Statement of Financial Accounting Standards No. 140, Financial Accounting Standards Board, XXXX XXXX ( FASB FAS140 ) Please provide the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay Capital One Account No. XXXX Capital One Account No. XXXX, and or an agreement showing I agree to pay a creditor and or their agent.
3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3, and establishing your legal standing to collect anything from me.
4. Any insurance claims been made by any creditor regarding this account.
5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me.
6. Name and address of alleged original creditor.
7. Name on file of alleged debtor.
8. Alleged account number.
9. Address on file for alleged debtor.
10. Amount of alleged debt and what it is for.
11. Date this alleged debt became payable.
12. If the account is charged off, the date of original charge off or delinquency.
13. Verification that this debt was assigned or sold to collector.
14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful.
15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS.
16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above.
17. Agreement between your agency and I of any contractual or debtor/creditor arrangement.
18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe.
19. Copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures.
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies, and a copy of such deletion request shall be sent to me immediately. You are to cease all collection efforts as delineated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA until proper validation is provided.
I would also like to request that no telephone contact be made by your offices to me, my home, or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth.
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09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Capital One is violating my rights as a consumer., even when the company has been put on notice about violations and given the chance to cure Capital One has denied deleting this account from my consumer report. Im going to list the violations.
Capital One Account ending in XXXX Capital One is reporting the account as a charged off account to my consumer report. The IRS defines a charged off account as gross or ordinary income, it is cancelled debt. The gross or ordinary income is taxable in which the consumer must repost as income to the IRS. The status of this account is not a debt but INCOME and income does not get reported to a consumer report. This is a violation of the FCRA for responsibility of fairness and accurate reporting. A settlement letter that Capital One will try to present does not change the status of the account which is INCOME.
Capital One is reporting late payments to my consumer report which is a violation of the FCRA.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states a consumer report does not include transactions or experiences. Transactions would be the late payment history that Capital One is reporting to my consumer report.
Capital One is violating law 15usc 1681a ( d ) ( 2 ) ( B ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit credit which is a social security card that is used under Truth and Lending is defined as a Credit Card.
15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
The law clearly states any authorization or approval of a specific extension of credit as a result of a credit card device ( social security card ) is excluded from a consumer report.
Another violation is under the Gramm-Leach-Bliley Act. Discloses are to be given to the consumer which I never been given by Capital One and all conditions have to be met in order for Capital One to disclose my non public personal information to non affiliated third parties. ( consumer reporting agencys. ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
In addition the Federal Trade Commission states on their website that these discourses are to be given to the customer yearly. I have yet to receive these disclosures. The Federal Trade Commission states without proper consent according to the law it is fraud or identity theft under 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.
I will be submitting a complaint to the FTC against Capital One for non compliance.
Capital One has collected on their insurance premium through the finance charge associated with the account.
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
Also, the company has also been relieved of the tax burden with charging off the account. Their is case law behind this : Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off.
Franklin Credit Mgmt Corp vs Nicholas, XXXX it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt Amtrust Bank vs Fossett, 223 Ariz 438 ( issuance of form 1099c after debt was written off is " XXXX XXXX evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact Capital One has caused me and my family severe harm due to your negligence and disregard for following federal laws put in place to protect the consumer. I have put the company on notice of the violations. This is a final opportunity to CURE and DELETE this account from my consumer report.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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11/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
To Whom It May Concern : I am filing this complaint in regard to Capital One Credit Card. My business, XXXX XXXX XXXX, XXXX, has been a card holder for several years. On an annual basis we spend about {$200000.00} to {$300000.00} on the corporate credit card. Due to being a good client of Capital One we were assigned our own Personal Representative to help us maximize our relationship with Capital One. We have always paid our bill on time and in full. In XX/XX/XXXX the following events occurred : XX/XX/XXXX our monthly payment was due. We always schedule these payments in advance and as usual requested that our balance due be paid in full from our bank account with XXXX XXXX XXXX XXXX.
On XX/XX/XXXX we noticed that the funds were not withdrawn from our bank account for the payment. We logged onto the Capital One website and the account was showing as paid. We looked over the payment confirmation and noticed that Capital One debited an old personal bank account for the credit card payment.
o In the past we had a business and personal relationship with Capital One. The personal bank account was closed a few years ago. The personal bank account was never used to pay for the business credit card payments.
o On the Capital One website when paying online there is a drop down box to allow you to choose what bank account you want to make the payment from. We only have the option to pay from one bank account, our business bank account. Therefore, we did not select the old account as our payment option. This error was done somehow on Capital Ones side.
We reached out to our Capital One representative, XXXX XXXX, to help us with the situation. ( We included the email communications in our uploaded file to the agency. ) We spoke with XXXX XXXX and one of his associates and they told us to wait until the payment was reversed and then they could correct the issue on their side and process the payment then.
On XX/XX/XXXX the payment was declined as expected by XXXX XXXX XXXX XXXX bank due to the debited account being closed. We then received a Payment Returned email from Capital One.
We called XXXX XXXX and his associate at Capital One to tell them the payment had reversed and to move forward with correcting the payment.
On XX/XX/XXXX all of our company credit cards were shut down for non-payment. I was out of the office for a meeting with prospective clients and my wife was entertaining a client. I called Capital Ones Elite Service Team as requested and they said they would not reopen the account unless they could talk to our bank to determine if the funds were available. Even though we had been proactive in reaching out to XXXX XXXX and Capital One about the error several days in advance. Again, the closed account being debited was not our mistake. I was sitting with prospective clients and could not leave the table to wait for a conversation between Capital One and the bank to occur so we had to deal with the closed account.
The account was re-opened on XX/XX/XXXX when the payment was received. All penalty fees and interest were waived by Capital One.
After these issues we became concerned about Capital One processes and procedures.
How could an old/closed account be debited? We did not elect to utilize that account.
If an account that was being debited was not a business account and therefore non-like titled why was there not a red flag raised?
Once the issue of the wrong account being debited was identified why was there not some kind of alert/notification added to the account to keep it from being shut down?
I contacted XXXX XXXX on XX/XX/XXXX and asked for a member of management to contact me to discuss the situation. I received a call from XXXX XXXX, the Local Market Leader, and discussed my concerns. She could not provide any answers but promised to send my concerns to the appropriate people within Capital One and obtain answers for me.
On XX/XX/XXXX my employee, XXXX XXXX, came into work with a letter from Capital One ( the letter was included in the uploaded file ) stating that our payment had been returned. The letter was addressed to her at her home address. She is NOT the owner of the account. She is an authorized user of the account. I never received a letter and no other employees did. Her personal information was not provided for this account. All communication in regard to this account should come to me and my address of record as the owner of the account. This concerned me even more as this was a privacy issue and apparently XXXX XXXX system controls were failing.
I immediately contacted XXXX XXXX about the letter and emailed her a copy. She informed me that my situation had been forwarded to the correct people at Capital One and somebody would be reaching out to me soon with information.
On XX/XX/XXXX I had not heard back from anybody from Capital One. I emailed XXXX XXXX that I was not happy about the non-responsiveness and felt Capital One did not take this issue seriously.
On XX/XX/XXXX XXXX XXXX wrote back to me and promised to find some answers. I finally heard from her associate XXXX XXXX that day who told me she was just starting her investigation but promised to get back to me as soon as possible after she communicated with her associates to determine what happened to cause these errors.
On XX/XX/XXXX XXXX XXXX called me to follow up with our first call. She had no answers and no conclusions but that she was still working on it. She then promised to keep me informed as her investigation proceeded.
On XX/XX/XXXX after not hearing from XXXX XXXX or any other representative from Capital One I called to follow up. I left XXXX XXXX a voice mail asking her to call me and her voice mail said she would return all calls within a 24 hour period. I never heard from her.
On XX/XX/XXXX I called XXXX XXXX again and left another voicemail. She did return my call that day. She informed me that she had been out of work since XX/XX/XXXX due to an unexpected injury. She was just returning to work on XX/XX/XXXX.
I am concerned about the lack of follow up and the inability to raise my concerns within Capital One. XXXX XXXX injury may have been unexpected but due to the sensitivity of her work I would have expected Capital One to reallocate her work so it could be appropriately and timely handled.
XXXX XXXX voice mail did not have an out of office notice when I called. The voicemail was very clear that she would return all messages within 24 hours.
Nobody in the Capital One organization seems to have felt the need to check her voice mail and follow up with any customers or to check on progress of matters that she had been working on. So therefore I am left to believe that Capital One does not take my concerns or other customers seriously or take accountability for their mistakes.
As of today there is no further developments in our problems than there were in XX/XX/XXXX. I am very concerned that I am not the only person or company effected by the lack of controls and accountability at Capital One. There appears to be no way to escalate issues and when you do reach somebody there is no true follow up. Obviously for these errors to of occurred there are systematic issues with their control environment that need to be addressed before there is a large breach of customers personal information.
I would appreciate if the Consumer Financial Protection Bureau would investigate these issues. My contact information is included below.
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
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07/17/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I bought my home in XX/XX/XXXX.
My lender was XXXX XXXX, serviced by XXXX XXXXXXXX XXXX.
XXXX XXXX XXXX took over XXXX XXXX XXXX in XX/XX/XXXX, and my loan is now serviced by XXXX XXXX XXXX. My case and mortgage is with XXXX XXXX XXXX now.
It was cosigned by my nephew who has no interest in the mortgage and has since left the house. I was to pay {$400.00}. in monthly private mortgage insurance ( PMI ). I was also promised that if I complete two years of perfect payment history without being late for up to thirty days in any month, the PMI will be dropped, alternatively if the loan to value ratio comes down to like 78 %, the PMI will also be dropped, whichever comes first.
I was doing very well transferring my payments from my online checking account to the mortgage account for the first year. Exactly after the first year, the bank blocked me from online payments starting from around XX/XX/XXXX to XX/XX/XXXX. ( See Exhibit 1 ) I called the bank several times and they took the payment over the phone and waived the {$25.00} fees for phone payments, ( See exhibit 1 ). No reason was given for the online payment access denial.
For subsequent months I was obliged to go to branches to make payments through tellers in the branch, since I could not pay online again and will be charged {$25.00}. for paying over the phone.
Six months of perfect teller payments which was six months prior to having the {$400.00} per month PMI dropped, tellers were stopped from taking my payments in the branches. ( See Exhibit 2, 3 ) To pay in a branch I had to wait for the branch manager to call the mortgage department for instructions on how to accept my payment. Meanwhile all these times, I had a perfect payment history, never been late for any month despite these obstructions from the bank.
This happened for another six months. The last month prior to dropping the PMI came in XX/XX/XXXX, I was still blocked from online payment as has been the case since one year, tellers were still blocked from taking my payments for six months, the same method where the branch manager had to call the mortgage department to take my payment was again used on XX/XX/XXXX, The bank held and did not credit this payment timely and reported it falsely to the credit bureau as non-payment while they have the payment already with them on file for almost a month.
My application to have the PMI dropped since I completed the two years without being late for more than thirty days in any month, was denied. The reason for denial was the XX/XX/XXXX payment which the bank held and did not credit timely. ( See Exhibits 4, 5, 6 ) I complained to the PMI analyst that it was the bank 's fault, but she told me to go to the branch where I made that payment. I went to the branch and the manager called, letting the mortgage department know it was not my fault that the payment was delayed, it was the bank 's fault. according to her I did what I was supposed to do.
The credit analyst also sent me a letter apologizing and promising to correct the false credit report which the bank has made falsely to that effect. ( See exhibit 7 ) I sent this letter including the receipt to the PMI analyst, who still refused to drop the PMI. Instead, the bank blocked me from making further payments in any other branch insisting I bring my payments to their headquarters in XXXX, because of the same XX/XX/XXXX payment, which they already have proof that I made timely and they were the ones that did not credit that payment. As I kept calling and praying them to resolve the issue, they sent foreclosure letters to me. Then I took them to court. Subsequent payments were not made because, their lawyer warned me to stop contacting his clients and my account was put on hold, pending when the law suit was to be over. Meanwhile, the bank kept charging both late fees and PMI that was already supposed to have been dropped.
I was handling the case as prose initially until I got a pro-bono attorney who I suspect might have been encumbered by the bank.
Finally in a lawsuit that ran for over six years, the bank introduced a false affidavit that was neither dated nor notarized into the docket without my lawyer knowing about it or responding to it.
The judge used this false affidavit over 100 times to grant summary judgement on all counts to the bank, irrespective of.
a. Signed letters from bank employees, attesting to the banks liability to imposing a default in my mortgage account.
b. Letters from the credit analyst apologizing and promising to correct false credit report due to the XX/XX/XXXX payment that the bank did not credit timely.
c. Receipts of payments showing when the XX/XX/XXXX payment was made that it was not late for more than thirty days as the PMI analyst claimed.
d. Electronically recorded documents showing discussions between me and the mortgage department, between tellers and branch managers and the mortgage department, concerning the violations and difficulties and or blockages in my mortgage account that was preventing them from taking my payments.
e. Affidavits and electronic recorded discussions between branch manager and the banks insisting that I made the XX/XX/XXXX payment and it was not late for up to thirty days. In the testimonials the tellers also told the mortgage department that I made the XX/XX/XXXX payment that it was not my fault that it was late for more than thirty days but that of the bank.
f. PMI denial letters and reason for denial underlined by the PMI analyst.
All these and other documents of evidence recovered during discoveries were not taken into consideration but rather the banks false affidavit ( attached here as capitalone bankfalse declaration ) -- XXXX XXXX XXXX 'S FALSE AND UNDATED AND NONE-NOTARIZED affidavit was quoted several times and used to grant summary judgement to XXXX XXXX XXXX.
I appealed the ruling as prose but was told that it was late to re-introduce the false affidavit by the bank argument. It should have been pointed out earlier, that I should have brought it up initially. The appeal judges upheld the ruling from the lower court who based their arguments on the false and undated, and none-notarized declaration of XXXX XXXX XXXX. ( See attached False undated and none-notarized affidavit ) But I do not know how I would bring up this false declaration initially, if I did not know it existed and only my pro.bono attorney had it but did not fight it or bring it to the notice of the lower court that it was defective and should not be accepted into the docket. it was only when I parted ways with my attorney that I searched and discovered the document.
That was how the bank obstructed justice and obtained judgement through a false affidavit that was neither notarized nor dated.
The bank has now filed for foreclosure. I countered it in court, and the judge used collateral estoppel doctrine to grant the court a summary judgement to foreclose on my home.
I have submitted papers for loan modification. I want to keep my home but the issue is that my loan was cosigned by my nephew who has no interest in the house and is not on the deed. He has left the house since XX/XX/XXXX I make enough to pay my bills and my mortgage, and still have enough to put in my savings account. I need not have my house foreclosed due to the fault of the bank ; a default deliberately imposed by the bank to maintain the PMI in the loan I know I have not been served justice in this case but I need to keep my home. I would like XXXX to please intervene in this matter.
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01/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This occurred on XX/XX/XXXX I am writing you because you broke laws against me as a consumer. Your company is legally supposed to uphold the Truth and Lending federal law. Per the law 15 U.S.C 1662 Advertising of down payments and installments : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified down payment is required in connection with any extension of consumer credit unless the creditor usually and customarily arranges down payments in that amount.
15 U.C. code 1605- Determination of finance charge : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended.
This law states that it was not required for me to pay a down payment to obtain the car. You are not supposed to tell me what I am supposed to pay for a down payment to obtain the car. I can offer or tell you what I can put as a down payment. That is not what happened and that being that the law was not followed, my consumer rights were violated, and you broke am Federal law. I am demanding the full refund of my down payment in the amount of {$6900.00}, and the remaining balance of the loan in the account of {$12000.00}, plus the {$5800.00} that I have paid in car notes for the XXXX XXXX XXXX XXXX.
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04/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am an account holder of a Walmart Rewards Credit Card, which is issued and managed by Capital One , National Association, a subsidiary of Capital One Financial Corporation ( Capital One or the Company ). I have reason to believe Capital One is allowing fraudulent activity on my Walmart Rewards Credit Card account. The initial amount in dispute was {$690.00}, but the remaining amount in dispute is {$610.00}.
Background On XX/XX/2023, at XXXX, I made a {$690.00} purchase from XXXX XXXX XXXX, a travel brand of XXXX XXXX XXXX XXXX XXXX XXXX or Merchant ). The purchase price included {$610.00} for a hotel booking at The XXXX at XXXX XXXX in XXXX XXXX, NV and {$80.00} for travel insurance from XXXX XXXX XXXX ( XXXX ). Prior to checkout, a blue box appeared providing the hotel details, price, and other policies ( Pre-Checkout Notice ). Importantly, the cancellation policy stated, Free cancellation until XX/XX/XXXX XX/XX/2023... Cancellations made on or after XXXX XX/XX/2023 will result in a XXXX USD fee. ( XX/XX/XXXX Pre-Checkout Notice Attached ).
Moments after making the purchase, I received a XXXX Confirmation Email. The Cancellation Policy area was blank and made no mention of a Non-Cancelation, No Refund Policy. ( XX/XX/XXXX Confirmation Email Attached ).
Resolution Attempts with Merchant About Fifteen minutes after the purchase, I discovered an error and requested that my purchase be cancelled, which the Merchants representative, XXXX, granted and confirmed.
On XX/XX/2023, having seen no change in status regarding the purchase, I called the Merchant again and a different representative, XXXX at XXXX, and supervisor XXXX at XXXX, stated that my purchase was nonrefundable due to a Non-Cancelation, No Refund Policy. Which was completely opposite of what the XX/XX/XXXX Pre-Checkout Notice stated.
Transaction Dispute Filed with Capital One On XX/XX/2023, I filed a dispute over the {$690.00} charge with Capital One, which opened Dispute Number XXXX.
On XX/XX/2023, while awaiting the Merchants response to my dispute, I received a Cancellation Confirmation Email from the Merchant which stated that XXXX has processed [ my ] cancellation and have begun the refund process to your original Form of Payment. ( XX/XX/XXXX Cancellation Confirmation Email Attached ).
The travel insurance amount has been refunded by XXXX via the Merchant, leaving {$610.00} in dispute.
On XX/XX/2023, in spite of the XX/XX/XXXX Cancellation Confirmation Email from the Merchant, Capital One provided notice stating that XXXX had provided Confirmation showing no cancellation per policy was received.
Upon calling Capital One 's Transactions Dispute Department that same day at XXXX and speaking with Transactions XXXX XXXX and Dispute Supervisor XXXX, I learned that XXXX had submitted documents noting a no-refund policy from XXXX. In shock, I explained ( 1 ) that I did not use XXXX for this reservation, ( 2 ) was NEVER informed of XXXX having any involvement with the purchase, and ( 3 ) that NOTHING in the documents that I received from XXXX even mention XXXX. Capital One Supervisor XXXX attempted to call the XXXX, the listed XXXX, via a three-way call, but upon answering, the XXXX Representative attempted to transfer XXXX & myself to a different department, which did not answer nor, to my knowledge, return our phone call.
On XX/XX/2023 and XX/XX/2023, I submitted detailed dispute letters noting all the steps I had taken to remedy the issue with the Merchant, and provided all the TAW documents I had received, including the XX/XX/XXXX Pre-Checkout Notice, XX/XX/XXXX Confirmation Email, and XX/XX/XXXX Cancellation Confirmation Email.
On XX/XX/2023, as if no one bothered to read my detailed letters or review the TAW documents, I received a generic letter stating While we have received your response to this request, it lacks all the previously requested information needed to validate your dispute. Unfortunately, the letter made no mention of what items were missing.
Oddly, even in the face of an actual XXXX document stating that I had free cancellation until XXXX and a TAW email stating that my purchase was cancelled and a refund was being issued, several Capital One Supervisors blindly accepted documents from XXXX WITHOUT establishing any discernable connection between XXXX, the actual Merchant that charged my Capital One Credit Card and was responsible for proving the validity of the purchase, and XXXX ; a third-party company that the customer never interacted with, and of whom, there was no mention in the TAW documents provided to the customer.
Capital One Disputes Supervisor Re-opens Dispute On XX/XX/2023, I spoke with Capital One Disputes Supervisor XXXX, who examined the documents and recognized that XXXX was never mentioned in any of TAWs documents, and submitted the dispute for a reinvestigation and issued another provisional credit.
On XX/XX/2023, I received yet another form letter from Capital One stating While we have received your response to this request, it lacks all the previously requested information needed to validate your dispute. Later that day, at XXXX, I spoke with Capital One Disputes XXXX XXXX . I asked XXXX what was missing, and she stated that a dispute is a battle of documents and then noted that XXXX had resubmitted the exact same document, and Capital One again accepted that document and closed the case. It was if XXXX and several other representatives and supervisors were willfully ignoring documents I submitted from the listed XXXX, in order to close the dispute. XXXX has no connection to this dispute and no document has ever been put forward establishing that XXXX XXXX XXXX informed the customer ( myself ) of XXXX 's involvement or policies.
Capital One Disputes Supervisor Requests Override On XX/XX/2023, I conducted a lengthy call with Capital One Dispute Supervisor XXXX beginning at XXXX, who also recognized the issues with the fact that Capital One had accepted XXXX documents, when they were not the merchant and had provided no documents connecting them to XXXX. XXXX then escalated the dispute to the XXXX XXXX Department requesting approval to override the charge, explaining that I should hear something back by Monday, XX/XX/2023. ( I have a recording of the conversation ). However, as of XX/XX/2023, there has been no contact from the XXXX XXXX Department. I called to check the status on XX/XX/2023 at XXXX, speaking with Capital One Dispute Supervisor XXXX, and XX/XX/2023 at XXXX, speaking with Capital One Dispute Supervisor XXXX . Each explained that they could not see the record since Capital One Dispute XXXX XXXX escalated the matter and only she would receive notice of the outcome.
I have now exhausted the administrative dispute resolution process.
Conclusion At the heart of this matter, I made a purchase from a Merchant ( XXXX XXXX XXXX ), was told that my purchase was refundable until XX/XX/2023, and, after exercising my right to cancel the purchase, was provided a cancelation confirmation email noting that my refund was in process. Only to have my credit card issuer, Capital One accept documents from an entirely different company, with NO CONNECTION to the purchase and NO DOCUMENTED CONNECTION to the named Merchant. This appears to be a textbook case of fraud on me as the customer and my card issuer has been on notice of it since XXXX, but has refused to provide a resolution.
I should be refunded the remaining {$610.00} in dispute.
|
07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
XXXX Capital One Fraud How Hackers acquire unauthorized use of your phone and devices Skilled hackers can take over a hacked smartphone and do everything from making overseas phone calls, sending texts, and using your phone 's browser to shop on the Internet. Since they're not paying your smartphone bill, they don't care about exceeding your data limits.
Is it possible for someone to hack and control your phone?
Your phone can be hacked, just like any other device with internet connectivity. Phones are particularly tempting targets for hackers because these devices usually have access to a huge amount of user data, from banking information to social media passwords.XXXX XXXX XXXX Though it's possible that your smartphone has been hacked, it's unlikely this would cause a rash of popups. Most people would never know their phone has been hacked until they see evidence of their personal data being made use of, such as charges to their bank account or new lines of credit opened in their name.XXXX XXXX XXXX.
Hackers don't need to have your phone in their hands to steal your personal information. So, how do hackers hack your phone without having access to it? The fact is that they can easily target your phone remotely. Passwords, SSNs, bank account details, text messages, photos, and almost anything can get into the hands of the bad guys if you aren't careful enough.
Whether you have an XXXX or an XXXX smartphone, some signs can indicate that your device has been hacked. If you notice these things on your smartphone, there's a chance that a cybercriminal has targeted you : Here is what I noticed : Unusual activity on the accounts connected to your phone.
When I discovered that the two fraudulent deposits had been made I opened a second XXXX account to segregate the funds that were legitimate and belonged to me.
Since that time I have requested the documentation that was developed by XXXX XXXX Department. That data has been used to freeze my funds, deny me use of processing my personal bills using the XXXX website and to deny my application for a liability policy and I have attached the documentation previously provided. I have never received any response from Capital One. I have never received any documentation as to why CapitalOne can not accept that not only was my Capital One account hacked. Capital One is responsible for accepting the falsified checks deposited as payments to my balance. I requested that Capital One involve the authorities to track down these perpetrators Nothing was done except to blame me.
Best to resolve this situation. Again, I did not create the fraudulent deposits and that I know of XXXX never pursued to originators of the deposits based on the data included on the bogus checks that XXXX erroneously accepted I am again requesting that this matter be resolved and that my status for use of the XXXX website and release of my funds be restored.
I again refer you to the fact that my phone and account records were illegally acquired by the criminals who committed these acts of fraud.
Please provide the physical information used to make the decision to seize my funds and restrict my status with Capital One. This incorrect accusation against me is damaging to my credit report score. It is blocking my ability to refinance my home and may lead to my losing the home in foreclosure.
I have no record of ever doing this type of activity. Please consider this request to resolve this matter.
XXXX I am responding to your letter of XX/XX/XXXX, where you closed my account due to false transactions that I did not authorize or execute. This is my third attempt to resolve this matter with your fraud department. I am not paying the balance or fees related to the hackers of this account. This is at least the third time that this account has been compromised and the card has to be replaced. You have treated this as a charge off and have held me responsible, which I am not. Your action was taken without advising or conferring with me. Your false entry to my credit report caused a XXXX point reduction to my credit score. You have also caused a delay in my acquiring a Reverse Mortgage because of this. I have retained an attorney to dispute your actions.
I again request that you do the following : XXXX ) Reverse the entry on my credit report XXXX ) Reinstate my account and reissue the credit card.
XXXX ) Adjust the balance to pre-hack levels and I will resume making payments on the correct balance.
This is now fourth attempt to resolve this with you. I did not misuse the account. This is the third time that the account has been compromised. None of that, then or now, is my fault and due to that the closure of my account and the false entry to my credit report. I have never improperly or illegally used this account as you allege. All these transactions were done because your security of my account failed again. I did not make or authorized the deposit ( s ) you accepted.
This is not a fair or legal resolution of this matter. My attorney will be in contact with you as I need to complete my reverse Mortgage. Your actions alienated me from over {$350000.00} in equity that I need for my retirement.
I also object to being held responsible for the effect of transactions that Capital One approved. I did not know these payments and expenditures were being made. I also have had one of my banks hacked where forged, false deposits were made with photocopied checks. It took that bank a week to verify that the deposits were not real checks and that I did not make the deposits. They have reversed these items and do not hold me responsible for their execution.
This is not the first time my credit card accounts at Capital One have been compromised and used illegally.
These transactions should never have been authorized, especially the payments since the did not originate from my accounts. I want to know if the deposits and expenditure transactions were made by an entity called : ARE Disbursements Account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Copies of the forged checks deposited to my bank follow.
This is the data on the forged deposits to my bank. I have proposed to the bank that we use this data and engage with the FBI to pursue these thieves. What is your fraud department doing to trace these illegal transactions that I did not authorize or originate?
Summary of Fraud Transactions not created by Capital One ( XXXX ) Account Owner XXXX XXXX XXXX I believe that I should not be held responsible since I had no part of these items that were approved by Capital One.
I request that Capital One advise what actions are being taken to track down the criminals that did this.
I also request that my credit card account be restored and that I be provided a replacement card.
I have been a customer in good standing with Capital One for many years. I am not a thief. I do not understand why these deposits were accepted. As I said, this is not the first my Capital One accounts have been hacked and used illegally.
Please address my questions so that we can resolve this as quickly as possible. I also request that no detrimental entries be made to my credit agency files.
Please advise as to what next steps are so we can apprehend the criminals responsible for this and restore our long standing, mutually beneficial relationship.
Thank you for your interest and teention to this matter.
With respect and best regards.
XXXX XXXX XXXX Fax Confirmation ; XXXX
|
12/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
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An electronic transfer from XXXX was initiated on XXXX XXXX 2020 to a " XXXX XXXX '' in the amount of {$750.00}. We do not use XXXX nor did we initiate this transfer. We also don't know a XXXX XXXX. This began our journey into the world of identity theft. Steps taken : 1. I have contacted Capital One 360 checking to file a fraud claim within hours of seeing this fraud 2. The claim was denied due to the following evidence ( it was said that my wife initiated the transfer on her phone using 2 factor authentication ). I am assuming this is what the evidence said because I have never been sent anything official stating the investigation results. MY WIFE DID NOT AUTHORIZE THIS TRANSFER AND A BREIF LOOK AT OUR CHECKING HISTORY WOULD SHOW THAT WE DON'T HAVE ANY HISTORY OF EVEN USING THIS XXXX OPTION.
3. I filed an elevated claim which was also denied for the same reason. I also had to call them and wait over an hour to speak to someone because there has been no communication directed from Capital One on this issue.
4. I requested another claim because by this point we had collected copious amounts of fraudulent charges on our credit cards, new checking accounts, pay pal accounts, and almost every other aspect of our financial life.
5. I called to check on the claim results ( again because capital one didn't communicate with me ) and and hour later I was told that I have exhausted all my claims and am going to have to pay back the money. I requested to speak to the investigator or someone of elevation but was not allowed to do so.
6. I locked the debit card associated with this account immediately upon uncovering this fraudulent charge as well as ordering a new card and changing the login info.
7. Capital One froze the account while it was under investigation. I now wish to close the account due to the fear that it will be compromised again. Capital One refused to unfreeze the account. They said it must be paid to {$0.00} balance and they would close it out themselves. They also said that the only way I can pay the balance ( - {$500.00} ) is by mail. I wasn't able to transfer any money into the account due to it being frozen and their unwillingness to unfreeze it.
8. We have placed a freeze on both credits ( my wife and I ) 9. We have filed a police report on two separate unauthorized charges including the one questioned in this complaint.
10. We have locked all credit cards 11. We have ordered replacement cards for all credit cards 12. We have changed all logins and password for all financial institutions we bank with 13. We filed a report with the Federal Trade Commission 14. We have filed a claim for the XXXX data breach settlement The following information concerns evidence showing we have been victims of identity theft. It is my belief that Capital One 's " investigators '' either haven't done a complete job or have simply ignored all the evidence and focused in on the first piece of evidence they could find that best benefits their interests.
My wife first recognized something was wrong when her debit card was denied at a local vendor. When she called, they said a fraudulent charge was attempted in the amount of approx. {$2000.00} to a vendor we had never used so they froze the card. Makes you wonder why they didn't use that same cautiousness when the fraudulent {$750.00} transfer was sent to " XXXX XXXX. '' That same night, I received an alert text stating that a charge was attempted on my card for another approx {$1500.00} charge. This is the moment I knew that Capital One had lost the ability to protect my money. This brought me to check my account thus revealing the " XXXX XXXX '' XXXX fraudulent transfer. '' This began a multi-week process and several hours on the phone trying to get this corrected. During this time, other credit companies started calling stating that other fraudulent charge had been attempted in the same amounts and to the same vendors as the ones that were attempted on the Capital One account. This alone, should have been enough evidence for Capital One to return the {$750.00} and see that we are under financial attack. My wife 's personal information was changed on her pay pal and this also happened on another credit card.
Due to still needing to pay bills, we couldn't wait any longer on Capital One to come to a conclusion and unfreeze the account ( first frozen by Capital One because they said it was compromised, meaning they admit themselves that the accounts was under attack. " An account takeover '' was their words ) we decided to open a new account with a new bank.
After doing this, ( which was a much more difficult process than it sounds due to having to change account information with my creditors and bill collectors, etc ) we began having multiple fraudulent charges on the new account that we just opened. These charges were from XXXX transfers for over {$600.00} in small but multiple withdrawals. Another {$2500.00} was taken by check fraud. The check had my signature on the front and the back ( that alone should not have made it able to be cashed ).
We also have had around {$1800.00} transfer using a XXXX check. ( we don't use XXXX for checking and have never had checks from XXXX. ) This was the second fraudulent check cashed on the account in a month.
This individual or entity then attempted several more fraudulent charges nearing {$10000.00}. By this point, the account was overdrawn more than {$1000.00} and the charges didn't go through but I was charged NSF fees for each charge.
Thankfully, the bank has given back all the money taken from my checking. I am still fighting with XXXX over some additional unauthorized charges. However, the {$750.00} from Capital One is the only money actually taken directly from my checking account that I have not been able to get back. I feel that Capital One should look at ALL the evidence before making a decision. I don't know why or where they are getting that my wife approved this transfer on her phone because she 100 %, absolutely, unequivocally, DID NOT approve the transfer to a person we don't even know using an app we have had no history of using. We have now changed to our third checking account and my wife and I have separate accounts now to help slow down the federal crimes being committed against us. We have to take all our money out in cash on payday and have a relative pay our bills using their checking account just to be sure our money is safe. I feel that we have taken more than enough steps to prove our innocence on this {$750.00} charge and have submitted all the evidence mentioned above to Capital One as well for their review. ( Even after being told my the customer service rep with Capital One that it wouldn't help. ) We know of nothing else we can do or no one else to turn to other than a lawyer and the legal fees make that an option we can't exercise and I feel that Capital One know this and just thinks I will lay down just because they say so. Capital One is in a much better position to eat this debt than I am with a family of 4, during a pandemic, and during XXXX. I have even tried to negotiate and see if they would just XXXX out the account and eat the {$500.00} that the account was overdrawn to due to the {$750.00} fraudulent transfer. They were not interested. I simply ask that someone see use as a family and not a bank account number and look at our entire situation which has identity theft written all over it.
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06/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I purchase a vacation package from XXXX using my master card by Capital One of the amount of {$2300.00}.
Since this COVID19 started, Hawaii as well as the rest of the country went on a " LOCKDOWN ''. Since then, new regulations were put in place.
XXXX XXXX Hawaii put themselves on a mandatory 14 day quarantine period. I bought a vacation package for 11 days. So that fact alone voided my original agreement of my purchase ( based strongly from XXXX about my original purchase back in XXXX, pre-covdi19 ), but they did not see it like that.
I waited and waited until XX/XX/XXXX. I contacted XXXX a couple times to cancel my trip and get a refund, but they were VERY adamant about their policy upon my purchase being non-refundable.
So after that, i called Capital One to file a dispute on XX/XX/XXXX in the full amount of {$2300.00}. Upon talking to someone intelligent to comprehend the " REALITY '' going on around the country, let alone the world, was accommodating to understand that this was a no brainer considering it is service that was not rendered to me, and could not based on the original purchase. I get a credit back of that amount to my credit card and life is good.
XX/XX/XXXX, i get a charge back from Capital One. Stating the merchant responded, stating my original purchase was good because i bought a non-refundable purchase back in XX/XX/XXXX. That was XXXX defense, and Capital One accepted that response. Accepted to the point of closing my dispute.
When i found out about it, XX/XX/XXXX, i called Capital One XX/XX/XXXX to find that answer. When i talked to them, they state they mailed me documentation on that day XX/XX/XXXX. I did not get that documentation until XX/XX/XXXX after my mail was delivered. To find out the date stamp on the letter was on XX/XX/XXXX ; so RIGHT there Capital violated their own policy. Which i showed them, because i copied it and mailed it them along with other documentation. That letter sent late to me from Capital One is suppose to supply an envelope of sort to put my documentation in, but none was available.
Furthermore, the documentation supplied from Capital was unreadable. No better than ink blots to use my imagination. However i did supply to Capital One sufficient documents from the change of XXXX own policies because airlines and hotels were accommodating guest. Since i bought a package through XXXX, i could not go straight through them. I had go deal with XXXX not going with the airline and hotel says. Before my trip, can not find specific date, but the hotel cancel all reservations, which my date fell under. So even there itself i get a refund, but the hassle was unreal from Capital One to get an intelligent person to work there!
I recorded on my phone a phone call of the timer count at 1 hour and 47 minutes and counting of the phone call disconnected from Capital One trying to tell them that my information is sufficient. Even though they tell it is insufficient information ; tell me how the merchant emails the customer about the cancellation being a successful and getting a full refund back ; printed that email and sent it to Capital One, along with a bunch of other documents abut that statement, that email was sent to me on XX/XX/XXXX. I know i said that before, but this is what really bothers me is just that. Then on XX/XX/XXXX i am charged back that amount because the merchant said and i quote from Capital One letter sent to me : " RECEIPT PROVIDED SHOWING TRANSACTION WAS BILLED CORRECTLY ''. Now any intelligent person that understands math will understand that timeline does NOT make any sense, at all!! Yet it does to Capital One, even when i called them out on it, they still ignored me!! I got a letter through their website, NOT THROUGH THE MAIL, but on their website where i would have to get an email to know they sent me a message, because you can only get it through the website, and not through app on a " SMART PHONE OR TABLET '' ; since the technology is not there yet for them, Capital One ; i mean for us customers.
Now XX/XX/XXXX i called Capital One, twice to be hung up twice. The first time i was on hold waiting for someone to pickup for about an hour and the rest of the time when someone did pickup, i was hold so they can look at what i sent them. I keep having her dig into it because she is only reading what is wrote from Capital One. I kept telling her to look at the email, but refused to do so, because ; " WE ALREADY CONCLUDED THAT YOU DID NOT SUPPLY SUFFICIENT INFORMATION TO GO AGAINST THE MERCHANT SINCE THEY SAID IT WAS BILLED CORRECTLY ''. After time wasted with that, i called XXXX to find out where my money is. WELL, after being on the phone over an hour ( 1 hour and 16 minutes ), not only i am getting a my money back, but there was an error on XXXX end due to CAPITAL ONE DISPUTE! I got a confirmation number from XXXX from their case # XXXX.
I got screwed over by my credit card company, stealing my trust, my patience, most importantly my business! The fact alone that the MERCHANT was refunding my money, how is the information the sent to me valid. This is FRAUD done onto me by CAPITAL ONE. There is no way around it! Why is the merchant able to resolve the dispute from Capital One, when they are the reason why i started the dispute. Then we have then i filed the dispute to the when i was charged back the amount i was disputing to be told i was wrong ; even though i have documentation from the people Capital One is saying no ; yet i am getting a full refund after all said and done.
YES, I DID GET MY MONEY BACK, in their fantasy world time. HOWEVER, very UNPROFESSIONALLY, UNETHICALLY, approach on being a business, let alone providing a service to their customer, ME. As of right now, Capital One violated their own policy against me by trying to manipulate the dispute in the merchants favor, even though the merchant was complying the whole time ( unbeknownst to me the whole time the dispute is going on ) trusting my financial institute has my back and would be intelligent enough to comprehend numbers and the english language and communicate with me as the their customer and NOT some bottom feeder that they have treated me like. Otherwise why the hassle over this time when it was know to get my money back to not get my money to then have to waste more of my time to FIGHT to get my money back!! I had to do a lot of work to get my money back that Capital One was suppose to do begin with!
Once i get my money back, i will be filing a small claims suit against Capital One for this negligence. They have no problem closing peoples account down and suing them for the money. Even though i finally did get my money back, it was not through the service of Capital One. In fact, if i did NOT call travelocity that day, i would not have seen any money refunded back to me!! For whatever Capital One did, caused an error on XXXX side. Even though they hold no responsibility for that error on XXXX side, but they XXXX sure have a responsibility to me as their customer ad failed at that while violating their own policy to make it go away as if i was in the wrong. That is how a BIG financial institute FDIC insured acts towards the american people like myself!
I want JUSTICE! They are XXXX over the american people. Most people do not fight fr their right and roll over. I did not and found what i always known, Capital One does NOT value my business.
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02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XX/XX/XXXXXXXX and XX/XX/XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CAPITAL ONE BANK USA Inquiry : XX/XX/XXXX XXXX, XXXX 2. CAPITAL ONE BANK USA Inquiry : XXXX. XXXX, XXXX 3. CAPITAL ONE BANK USA Inquiry : XXXX XXXX, XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XX/XX/XXXXIowa XXXX CC :XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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01/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
Capital one has something called capital one shopping and it's a plugin that gets added to your browser. Anything you shop for online, that plugins tracks it and gives you rewards in your capital shopping account that you can then redeem for gift cards. I had an order that is missing rewards and I was told that they were supposed to be in my account on XX/XX/XXXX and I don't see them and I have been following up with their support team literally everyday and no one cares about it. Every other day I get a response that we are investigating this and I haven't gotten my rewards and today is XX/XX/XXXX. This is ridiculous and the customer service with this company is pathetic. I am waiting for rewards on the following purchase : XXXX XXXX - order date - XX/XX/XXXX, order # XXXX. Purchase amount was {$1900.00} and rewards I should be getting are {$150.00} The account is linked to my email - XXXX I am pasting all my correspondence with the support team below where they had also promised me in writing that rewards were due to payout on XX/XX/XXXX Please see below : I am so frustrated at this point. No ones giving me answers since the XXXX XXXX now. This is ridiculous. I have also provided proof below XXXX reps had emailed me saying that I should be getting my rewards by XXXX XXXX and I havent. Its XXXX XXXX today. Why are are you guys testing my patience? All I hear after every 2 days is that we are looking into it. Is this rocket science that it takes so many days?
I am going to file a complaint with the Consumer financial bureau now. Enough is enough I need my rewards!
XXXX XXXX Hide original message On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : This is the worst support ever. I have been hearing the same response for you guys for the past XXXX days. This is just ridiculous. Have some common courtesy when working on issues seriously. You guys just dont care which is so unfortunate XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX Support ) XXXX wrote : -- Please reply above this line -- XXXX XXXX Capital One Shopping ) XX/XX/XXXX, XXXX XXXX XXXX Thanks for contacting Capital One Shopping!
We wanted to let you know that we've received your request and are looking into it. Once we finish investigating, we'll follow up with more information.
We appreciate your patience and understanding until then, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX It takes you XXXX days to reply after I email you. Are you guys serious? I need this fixed today! I am not going to play the chasing game here.
On Tuesday, XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX wrote : I need my rewards. You guys just wasting my time XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX I need my rewards. You guys just wasting my time XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXX XXXX XXXX Thanks for contacting Capital One Shopping!
I apologize for the inconvenience you're experiencing. Our support team is aware of the issue and are working towards a resolution.
Thank you for your patience and understanding, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX I need this looked into asap. This is ridiculous its been over 3 days now and I still dont have the rewards in my account. It was supposed to be credited on XX/XX/XXXX as per my talk with XXXX of your colleagues few weeks back and now I am being told to wait till XX/XX/XXXX. This is totally unacceptable. I need my rewards today!
Heres what i was told by XXXX different agents and both said the payout was XX/XX/XXXX. Dont play games with me Luny ( Capital One Shopping ) XX/XX/XXXX, XXXX XXXX XXXX Thanks for reaching back out to us!
I can see you recently redeemed your earned Shopping Rewards on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX e-gift card in the amount of {$460.00}.
Your recent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) order from XX/XX/XXXX is scheduled to pay out Rewards on XX/XX/XXXX.
If, for any reason, the Shopping Rewards for your order do not post to your Capital One Shopping account by XX/XX/XXXX, please submit a request with your order information on the Help Center page XXXX XXXX XXXX XXXX XXXX, by scrolling to the bottom and finding the button that says Submit Request. You can find your Trip ID in the Rewards & XXXX XXXX, at XXXX XXXX XXXX, by clicking the down arrow, on the right of the transaction. We also have available FAQs around XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in general, and on how to redeem your rewards XXXX XXXX XXXX XXXX XXXX ) once they come through.
Thanks again for your patience and understanding, XXXX XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXXXXXX XXXX XXXX Thanks for contacting Capital One Shopping!
I was able to see a recent Shopping Trip at XXXX XXXX XXXX XXXX XXXX : XXXX XXXX!! XXXX! XXXXXXXX XXXX ) and determined Capital One Shopping Rewards are due to pay out on XX/XX/XXXX.
If, for any reason, the Shopping Rewards for your order do not post to your Capital One Shopping account by XX/XX/XXXX, please submit a request with your order information on the Help Center page XXXX XXXX XXXX XXXX XXXX, by scrolling to the bottom and finding the button that says " Submit Request ''. You can find your Trip ID in the " Rewards & XXXX XXXX '', XXXX XXXX XXXX XXXX, by clicking the down arrow, on the right of the transaction. We also have available FAQs around XXXX Trips ( XXXX XXXX XXXX XXXX ) in general, and on how to redeem your rewards ( XXXX XXXX XXXX XXXX ) once they come through.
I hope this is helpful!
XXXX XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX ( Support ) XXXX wrote : XXXX XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXXXXXX XXXX XXXX Thanks for contacting Capital One Shopping!
We wanted to let you know that we've received your request and are looking into it. Once we finish investigating, we'll follow up with more information.
We appreciate your patience and understanding until then, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX I was told earlier by another agent that they were due to be paid out on XX/XX/XXXX. What you mean XX/XX/XXXX? Are you serious? don't play games with me On Friday, XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX ( Support ) XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXX XXXX XXXX Thanks for contacting Capital One Shopping!
I was able to see a recent Shopping Trip at XXXX and determined Capital One Shopping Rewards are due to pay out on XX/XX/XXXX.
If, for any reason, the Shopping Rewards for your order do not post to your Capital One Shopping account by XX/XX/XXXX, please submit a request with your order information on the Help Center page, by scrolling to the bottom and finding the button that says Submit Request. You can find your Trip ID in the Rewards & XXXX XXXX, at XXXX XXXX XXXX, by clicking the down arrow, on the right of the transaction. We also have available FAQs around Shopping Trips in general, and on how to redeem your rewards once they come through.
I hope this is helpful!
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Merchant : XXXX Purchase Date : XX/XX/XXXX Order Number : XXXX Purchase Amount : XXXX
|
09/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
Hello, I have tried to dispute this charge with CapitalOne multiple times. Each time they close the dispute for an arbitrary reason ( must dispute within 60 days of transaction ). Each time the dispute was closed I called and talked to a manager who reopened it and corrected the mistakes the CapitalOne agents previously made. Today I called to get an update on my dispute and was told it was closed again, even though Ive received no notifications from CapitalOne telling me its closed. The managers at CapitalOne told me today the dispute is closed, theres no further next steps possible, there are no managers I can speak with, and I must work the issue with the merchant directly.
Thanks, XXXX XXXX CapitalOne Case Number : XXXX Issue reported to capital one : I never received the services I paid for. I paid for the advanced resume package from XXXX. After my assigned resume writer at XXXX became responsive I made efforts to contact their management team via email and voicemail, seeking assistance to complete services and/or refund my money, and never received a reply. I made all my calls from my telephone number XXXX. I sent all my emails from my email address XXXX. They offer a 100 % money back guarantee, terms of service 3.4. The do not offer refunds, as per terms of service 3.2, but does that mean they dont have to provide any sort of services? I never received anything completed.
Timeline : XX/XX/XXXX - Purchased Advanced Resume package. Includes 100 % money back guarantee, XXXX overhaul, and a robust and highly in-depth professionally written resume.
XX/XX/XXXX - Assigned resume writer ( XXXX ) XX/XX/XXXX - XX/XX/XXXX - XXXX and I were communicating via email discussing the project. I emailed her last on XX/XX/XXXX and never heard back.
XXXX - Expected to receive completed resume package.
XX/XX/XXXX - Emailed XXXX asking for assistance with getting my resume completed. I never received a reply.
XX/XX/XXXX - Emailed XXXX asking for assistance with getting my resume completed. I never received a reply.
XX/XX/XXXX - Emailed XXXX, as per terms of service 2.9, asking for assistance with getting my resume completed. I never received a reply.
XX/XX/XXXX - Emailed XXXX asking for assistance with getting my resume completed or getting a refund. I never received a reply.
XX/XX/XXXX - Emailed XXXX asking for assistance with getting my resume completed or getting a refund. I never received a reply.
XX/XX/XXXX - Emailed XXXX, as per terms of service 2.9, asking for assistance with getting my resume completed or getting a refund. I never received a reply.
XX/XX/XXXX at XXXX MST - Called main telephone number XXXX, as per terms of service 2.9, and left a voicemail asking for a manager to call me back. I said that if I did not hear back by XX/XX/XXXX I would be filing a credit card dispute.
XX/XX/XXXX at XXXXXXXX MST - Called main telephone number XXXX, as per terms of service 2.9, and left a voicemail asking for a XXXX to call me back. I said that I was going to be filing a credit card dispute.
XX/XX/XXXX at XXXXXXXX MST - Called XXXX XXXX telephone number XXXX, as per terms of service 2.9, and left a voicemail asking for a manager to call me back. I said that I was going to be filing a credit card dispute.
XX/XX/XXXX at XXXXXXXX MST - Called CapitalOne at XXXX and opened a dispute.
XX/XX/XXXX - CapitalOne requested more information be faxed to XXXX.
XX/XX/XXXX - Faxed signed forms to CapitalOne.
XX/XX/XXXX - I received an update from CapitalOne requesting more information. I called CapitalOne support to try and understand what happened. CapitalOne apparently never received my fax with information. I asked to speak to a CapitalOne manager. The CapitalOne manager assured me it was a mistake and said I would just need to upload a copy of the fax I sent back in May. She sent me a link and I uploaded it. A couple hours later I got another update from CapitalOne saying I am only allowed to dispute charges for 60 days. Since the service I purchased takes more than 60 days to complete, this should not be applicable. I called CapitalOne and spoke with a manager who told me she would just need me to update a few more things ( receipts, merchant 's refund policy, and refund notices ).
XX/XX/XXXX - Uploaded info to capital one.
XX/XX/XXXX - Received update from capital one saying that they could not process claim because it was more than 60 days after the statement date.
XX/XX/XXXX - Called capital one. Got manager XXXX. He reopened case and agreed that it was unreasonable to dispute this within the first 60 days. XXXX said theyd be back in touch with me in 30 days or less.
XXXX - XXXX XXXX mgr ) confirmed that the case is still being investigated.
XX/XX/XXXX - I called for an update. XXXX says that the case was routed/handled to another department on XX/XX/XXXX. Agent doesnt have any more info. Getting manager. Manager name is XXXX. Still pending investigation. Turns out it was closed again, capital one doesnt have the rights to dispute any longer. Manager hung up on me. Called back. Got a manager again. Manager name is XXXX ( ID XXXX ) fraud and disputes account manager. She says the case has been closed because they no longer have the rights to dispute this case. XXXX told me its my responsibility, not CapitalOnes, to call and ask for updates on the dispute.
2.9. Customer Service.
Telephonic, email, and in-person customer service may be obtained Monday through Friday from XXXX XXXX XXXX XXXX XXXX. and Saturday through Sunday from XXXX XXXX XXXX XXXX XXXX. local, Arizona time XXXX The customer service email for all offices XXXX. The customer service number for the XXXX, AZ, XXXX, AZ, and XXXX, AZ, offices is XXXX. The customer service number for the XXXX, AZ, office is XXXX. For in-person customer service, we have a total of XXXX commercial offices in Arizona : XXXX XXXX XXXX XXXX., XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX. Refunds.
Due to the nature of the Services, in no event shall a refund of a pre-paid Service Fee be granted, including but not limited to errors in the Services, dissatisfaction with the Services, failure to obtain interviews or employment, and/or failure of a Service to meet the requirements of the industry.
3.4. Guaranteed Interviews Within 45 Days Or Less Guidelines.
We guarantee our clients will land interviews within 45 days or less or a full refund ( minus admin/tax's/transactions fees ) as long as the following conditions are met. 1 ) Client must diligently apply for at least 10 jobs a day, 5 days a week, for 45 days. 2 ) Client must apply for jobs in which they have the qualifications for. 3 ) Client must apply for jobs in which their resume is written and marketed towards. 4 ) Client must provide proof to Us via email or electronically that these conditions were met. If all requirements are fulfilled, We will provide a full refund ( minus admin fees/taxes ).
Do My Resume can't guarantee the volume of jobs available that meets clients specific career objective ( s ). In such a case where client is unable to apply for their intended career objectives due to low demand of open job postings, We are unable to refund client if they do not land job interviews.
|
01/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
I am submitting this formal complaint against Capital One due to their failure on XX/XX/2022 to freeze my credit card purchases of sets of gift cards that they had detected were suspicious of a fraudulent scam. Not only did Capital One allow these charges that were outside of previous vendor or purchase patterns, the company increased my credit limit during the fraudulent scam process to allow for additional purchases. They are not taking any responsibility for their system failure.
On Saturday, XX/XX/2022, I was using my desktop computer. I have XXXX in my fingers so they are swollen and they shake. While on a website, my fingers must have accidentally hit a sidebar button on the screen. The screen turned red, an alarm went off and it blared continuously. The computer stopped working entirely, the screen froze, and the cursor didnt work. Then a yellow box appeared on the screen with a message that the computer had been compromised and to call Microsoft Tech Support immediately. I was horrified that my computer had been compromised and fearful that my personal information could be stolen and my accounts accessed. I am an older man with XXXX and I do not understand computers very well. I called the number indicated on the screen : XXXX. The call was answered with a response, Microsoft Tech Support. I asked for confirmation that I had called Microsoft Tech Support and a man answered with, yes, gave me his name ( XXXX ) and ID # ( XXXX XXXXXXXX ). He said that he could see what I was calling about and that my computer system had been compromised. There were other operators talking with customers in the background so I thought it was legitimately Microsoft Tech Support. XXXX said that a trojan horse had been installed on my computer that would release viruses that would infect the computer. He said the computer had been attacked XXXX times and I would need to pay for each attack to resolve the problem. He directed me to purchase Microsoft XXXX gift cards at XXXX or XXXX. In my panic, I did so. XXXX said I needed to hurry because the longer it took for me to send payment, the faster the viruses would spread throughout my computer.
I made an initial {$400.00} purchase of these gift cards at Walmart using my bank debit card. When I tried to use the debit card to purchase an additional set of gift cards, my debit card didnt work. At the direction of XXXX, I used my credit card to make several more sets of gift card purchases totaling about {$3000.00}. During this time, I was on the phone with XXXX and he kept assuring me that they ( Microsoft ) were in the process of reimbursing me. I even received a text from XXXX, phone number ( XXXX ) XXXX, stating that my refund was processed ( reference number XXXX ). I received several more texts stating that my reimbursements had been processed, so I believed that I needed to continue purchasing gift cards and sending them to Microsoft Tech Support in order to resolve the issue with my computer being compromised. This was all happening while I was out of my mind with worry and fear.
Subsequently, XXXX said that because my computer had been hacked by an international group, it would cost more to resolve the issue. He said Microsoft needed an additional {$1000.00}. My only income is Social Security. I told XXXX that I didnt have the money. When he responded that they would get back to me on Monday about the reimbursements, it only then occurred to me that this may have been a scam.
On Monday, XX/XX/2022, I contacted my bank and learned that they had intentionally frozen my account after the initial gift card purchase using my debit card due to suspicious activity and suspected fraud. They froze my account to block any further gift card purchases to protect me financially. Furthermore, they absorbed the cost of the debit card purchase which was based on the scam.
When I contacted Capital One on Monday, XX/XX/2022, I was transferred to the XXXX XXXX XXXX regarding the gift card charges on my credit card associated with this scam. My case number is XXXX. I was told that they would launch an investigation. I subsequently received communication from Capital One dated XX/XX/2022, stating that they had found insufficient evidence of fraud because the charges had been authorized by me.
How is it that my bank was able to immediately identify the xbox gift card purchase as suspect and froze my account to protect me financially when Capital One not only allowed for these unusual purchases, but they increased my credit limit to allow for additional unusual and suspicious charges to my credit card?
It is my understanding that Capital One, as a credit card company, should be monitoring all transactions on my card and flag my card for possible fraud if there are unusual transactions. Typically, the only charge that is on my credit card monthly is for my T-mobile bill. I haven't purchased previously and I almost never shop at Walmart.
Why would they allow multiple purchases in rapid succession since that is something that should have set off the alarm bells for fraud/scam. A scam is a fraud which causes unusual charges, often in rapid succession. Capital One should have been able to identify these charges as a classic case of a scam in process and should have blocked the charges as my bank had done. Why didnt Capital One refuse these charges based on the information they had on my individual customer profile? And, it is completely inexcusable that they would increase my credit limit to allow for additional unusual charges when the earlier charges should have triggered a warning in their system.
I received a text on XX/XX/XXXX that said it was from XXXXXXXX XXXX but there was no reference to it being from Capital One. I received another text on XX/XX/XXXX that did indicate it was from Capital One but it just asked if I had made a purchase of {$400.00} at Walmart. I replied yes. They replied saying, " Great! That's all we need to know. If your card was declined, try it again now. '' I answered yes because I had made the purchase, thinking it was what I had to do in order to resolve the issue with my computer being compromised. I didn't have any idea that I was in the middle of being had by a scam. Why didn't the texts express any concern that the gift card purchase was connected with a scam? Why didn't Capital One call me on the phone? If they had identified that the first charge of a gift card purchase was suspicious, why didn't they communicate this in their text? The language in the communication from Capital One assumes that their customers are tech savvy. The language they used did not alert me to them having a concern that I was being scammed. Capital One a system problem with their credit card monitoring regarding scams/fraud and they arent taking responsibility for it.
Capital One should have declined these gift card charges. Capital One should write off my scammed purchase charges since they detected a concern but did not prevent/block the charges.
I have filed an elder abuse incident report with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX Department ( # XXXX ) I am also filing a complaint with the XXXX XXXX District Attorney Consumer Fraud Unit regarding Capital One and I will be contacting Legal Aid to represent me.
Thank you in advance for your assistance.
|
05/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX Contact no. XXXX To whom it may concern, I Mrs. XXXX XXXX, would like to report Capital One Bank. Capital One Bank is not doing right by its customers. I have been a customer of Capital One Bank for a long time. Before the bank became Capital One it was XXXX XXXX XXXX, and before that it was XXXX XXXX XXXX XXXX. Approximately 15 years I have been with this bank.
I am reportiXXXX XXXX XXXX XXXX XXXXt has not been sending my statements home as it has been before. The last time I received a monthly statement for my checking and savings account was in XX/XX/XXXX.
I will like to lay out the following time line of events that I had with corresponding with Capital One. I called the bank several times inquiring about my statements. The call center has calls that are monitored and recorded for quality assurance. Please review these calls from the bank to hear what took place. I am XXXX years old and do not use the computer. My daughter is helping me at this time to report this incident.
In XX/XX/XXXX I did not receive my statements. In XXXX I did not receive my statements. I did not realize that I didnt receive my statements in the mail until the end of XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX ) to report that I did not receive my usual monthly statements that would be sent to my home. I spoke with a gentleman named XXXX. The time I recorded down was XXXX. This is probably the time when I started to dial the phone to call Capital One. This is the time frame and it should be about 30 minutes or more spent with XXXX on the call informing him that I did not receive my statements and I would like Capital One to send me my monthly statements. The call center representative stated that he would send out my statements for the month of XXXX and XXXX, it would take between XXXX and XXXX business days and since we were already in XXXX that statement didnt generate yet and should be coming out soon.
On XX/XX/XXXX, I contacted Capital One again because I still did not receive my statements in the mail. The time I recorded down was XXXX to XXXX. I was on the phone with a lady named XXXX and she also transferred me to a gentleman named XXXX. XXXX explained to me that she was sorry that I did not receive my statements yet and she would try to assist me. She informed me that Capital One no longer sends out statements and that I would have to go online to view my account history. This was something XXXX the other call representative that I spoke with on XX/XX/XXXX did not tell me. I told XXXX that I do not use the computer to view my account history and that I do not want to. Furthermore, Capital One did not tell their customers that this was what they would be doing starting XX/XX/XXXX of the New Year. I was very upset. I informed XXXX that my account had an issue in XXXX from fraudsters using my account via the internet to make purchases on XXXX. I do not use the computer so I couldnt have made that purchase and I had heard that in XXXX Capital One had a breach of their customers account information. I realized that this was a part of that breach. The issue was resolved and funds were returned back to my account after that investigation. My daughter also had a breach of her Capital One credit card. This was our first time ever in our home having someone due fraudulent activity on my daughters credit card with Capital One and my checking account at Capital One. So I told XXXX that going online to review my account was not an option because this is how fraudsters can get a hold of my account information. XXXX informed me that she would be able to send me my statements but it may be that I would have to be calling every month to get my statements and that I may be charged a fee. I told her that was not fare and this was not right what Capital One was doing and that I should be able to get my statements as I have been previously getting and I didnt accept or sign up for my statements to Go Paperless and that the Bank has no right to force me to do that. I never even received a notice that they were no longer going to send my statements in the mail. XXXX transferred me to speak with a supervisor named XXXX. I spoke with XXXX and relayed everything I had told XXXX. He was not a good representative, courteous or sympathetic. He was just adamant that I use a computer and or ask my children to help me on the computer. I told the representative XXXX, No, I do not want to use the computer because that I how someone used their computer to make a transaction over the internet with my checking account information. In order for me to be safe from crooks on the internet I need to stay away from the computer and I am old and do not want to use a computer. I like to read my statements and like it that way. XXXX stated he would send me my statements. He also informed me that I may receive a {$5.00} charge for future statements requested.
I received the statement two weeks later. It did not look like how it should look like, it didnt show my check images, it only had XXXX statement and it was missing XXXX statement. I called again Capital One on XX/XX/XXXX and spoke with XXXX and supervisor XXXX. I did not record the time down but the call took place in the morning. I explained my frustration with the bank and how the bank is not treating their customers well and my frustration with not getting my statements.
On XX/XX/XXXX, the XXXX and XXXX statements came for my checking account. My savings account statements I still do not have. The check images that should come with the statement were not included.
I would like to report Capital One and would like someone to help me. This bank is not treating its senior citizens right. Information regarding my rights to my statements was never given to me. I did not have a chance to opt out of going paperless. I never requested to go paperless and the bank should not have a right to stop my statements from coming to my house without even telling me that they are stopping my statements. I think this is wrong. I think other senior citizens are probably feeling the same way. Why should I increase my risk of fraud by going onto the computer when I never do online banking? Should not I be able to keep myself from harm and danger? Capital One Bank is not protecting their customers. I have a friend who also banks with Capital One, she is in her 50s, she is XXXX and does not use a computer. Her information was breached. It was people using the internet to transfer between her savings and checking account and then do an ACH debit pymt to send funds to another bank. Capital One has had a breach and their customers information was exposed and taken by fraudsters. I should not be penalized in trying to keep myself safe from any harm due to my account and the funds held at this institution. Please help me get my checking and savings statements to be regularly coming to my home. I would like it to be as before. I had no problems. Since XX/XX/XXXX started and Capital One made these changes without informing their customers it has been a great deal of inconvenience for me. Please help.
I can be reached at anytime, I am retired, at XXXX to go over any questions you may have for me. Please contact me to let me know that someone is going to look into the practices of this bank.
|
04/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX, XX/XX/XXXX AND XXXX of XXXX, My husband and I paid for a program through XXXX XXXX XXXX, ( aka XXXX XXXX, Rules of Renovation and there are a few other aliases attached to the Primary Business which is XXXX. ) XXXX The Phone number is XXXX The program was sold to us as a guaranteed program for property investing. If we were not successful by the end of one year after purchase, we were to receive our money back. In XXXX of XXXX the primary company, XXXX, and all subcategory companies under XXXX, was issued a temporary restraining order by the United States Government. We were never notified of this from the company or anyone else. On XX/XX/XXXX XXXX XXXX XXXX was totally shut down by the Federal Government and placed in receivership. Again no one contacted us until we were not able to gain access to anyone. There was no human being to take messages, only a recording, a robotic message stating they are shut down.
I immediatly began contacting our Credit Card companies in which we leveraged money to pay for this program. After one month, we had success with a few of the 8 companies that were included in our payments. We continually were getting letters of denial stating numerous defaults on our part. The timing was out of their 90 day jurisdiction, we did not send in the documents requested in a timely manner, or we did not send in the correct documentation. None of these " excuses '' were correct and we have all " stock '' letters sent to us. As much documentation in our files that was given to us. The following is a letter that I recently sent to a Capital One Visa account. The 4 remaining cards that I am having difficulty with are all Capital One.
To Whom It Concerns ; This letter is to assist you with YOUR Due diligence, and to document the promises and guarantees made to us and others by Rules Of Renovation with any available supporting documents attached.
We, my husband and I, were charged for goods and services that werent delivered as promised, in the manner that was formally guaranteed On XX/XX/XXXX we bought into a program titled Rules of Renovation. I made this purchase with multiple credit cards. 4 of them were Capital One. To date, one of our Capital One Credit accounts has been awarded the disputed amount and we received our payments paid back after their investigation was satisfied.
We have also received our investment monies back from XXXX XXXX XXXX, XXXX XXXX, XXXX rewards XXXX and a few others that we used to leverage our new opportunity.
Due diligence is required by both parties for a dispute. We have tried to contact the company. We have no way of gaining our promise and or monies back from this company at the end of the stated year. We are asking for relief of this debt based on the industries guidelines which our other Credit Card companies have referred to and refunded us.
I would like to state that I previously sent in documents that were requested. We were issued a provisional credit on our accounts, after sending in documentation, then we received a bizarre letter stating that the reason we were denied was because we did not send in documents requested in a timely manner, when in fact we did. In another letter, received the same day, from a different account of Capital One, the letter stated that because the dispute was more than 60 days past the transaction date they were withdrawing the provisional credit. I would assume that Capital One has direct rules of conduct for disputes written out? With exceptions to these rules based on circumstances, ( which is what I was told by one of Capital ones representatives during one of my calls. ) Why then would one account credit my dispute and send me a check for overage and the others not follow the same rules? Especially when the first transaction ( the one where we received dispute approval and a refund ) took place 30 days previous to the others? The arguments of denial that was given us has no premise based on the fact that the previous dispute was awarded. The outcome of all disputes from the same Credit Card Company should have continuity based on the fact that they are all connected to the same program purchased.
Program Promises Rules of Renovation Investor Commitment : Their commitment to all participants was in effect for one full year from the date of purchase. This was verbal to attendees, and in writing. Because they have been put into receivership we are no longer able to access the program, and we have no recourse of action to redeem our monies in the event we do not succeed, as promised and guaranteed by said company ( Rules of Renovation ) Rules of Renovation issued a Written Commitment ( see enclosed attachment ) It reads : Our commitment is simple : We will work with you until you succeed.., we will continue to help you through our Resource Hotline at XXXX until you have earned at least 100 % of your investment in our program. How can they fulfill a Commitment if they are no longer in business, shut down, in receivership under the United States Federal Government?
All proprietary websites, software, online materials have been removed from the internet giving us zero access. There are no books, or any other hard copy materials included in our purchase.
We prepaid to attend advanced training sessions. We have not fulfilled these sessions. They included : Tax strategy, Find the Money Camp, Wealth Strategies Camp, Creative Funding and Financing Camp, Investor Summit, One on One Coaching.
Rules of Renovation issued a Customer Bill of Rights signed by XXXX XXXX XXXX personality for Real Estate investments. Some of the summarized points included in her statement is for us to work hard. To commit to working hard and learning the necessary skills to help our business be successful. How can we continue to work hard if we do not have the skills promised by her and the parent company, to fulfill their obligation to us has been ripped out of our hands.
The opportunity to give feedback to the company. Our experience in the field is that of beginners, this is why we purchased this program. The Elite Customer Service department is no longer operational because XXXX closed EVERYTHING down. No more opportunity to give feedback.
We put a down payment on program in XXXX of XXXX, but did not attend the 3 day initial training until XXXX when final payment was due. The reason for the initial payment.
I was asked what the program featured : Example The 3 days of initial training consisted of an ex-cop from LA who purchased the same program 3 years ago and was now working for the company and acting as our Lead Coach. His lectures over the course of the 3 days consisted of his experiences rehabbing properties. Slide shows, where to find properties, how to talk with real estate agents.
Due diligence is now in your hands to complete an investigation of the death of XXXX XXXX XXXX. Robbing us of tens of thousands of dollars. This is a financial disaster for us.
There are 4 accounts : All Capital One accounts last 4 digits of all accounts : XXXX - {$15000.00} XXXX - {$8000.00} XXXX - {$15000.00} XXXX has given us a provisional credit dated XX/XX/XXXX. But ... this has happend twice before only to have them recant the decision and reinstall the charge with a bogus stock letter.
Capital One GM settled amount {$8000.00} XX/XX/XXXX
|
03/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CAPITAL ONE BANK USA NA bal. {$410.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
03/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. Capital One Bank USA bal. {$2700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX Iowa XXXX, Iowa XXXX CC : TU- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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02/23/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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On XX/XX/XXXX my parents took out a loan with XXXX XXXX ( XXXX XXXX ) for {$35000.00}.
OnXX/XX/XXXX I was added as a 3rd owner on the deed of my parent 's house. It was recorded onXX/XX/XXXX.
on XXXX XXXX XXXX ( Capital One ) granted my mother a {$50000.00} loan.It was recorded on XXXX on XXXX XXXX XXXX ( Capital One ) granted my mother an {$80000.00} loan. It was recorded on XXXX.
on XXXX my father passed away on XXXX my mother passed away on XXXX I met with a probate attorney to finalize my mother 's estate. After a quick search, the attorney found the {$80000.00} recorded mortgage. That was the first I was hearing of the loan. I knew I was added to the Deed in XX/XX/XXXX, and I knew I never signed any documents even though I should have.
XXXX Letters of foreclosure began to arrive, but I had not been made the Admin of my Mother 's Estate yet. I also hadn't sought counsel yet. To keep foreclosure at bay, I made one payment of {$1300.00} to give myself time to finalize the estate and find a Real Estate Attorney.
XXXX I met with my Real Estate Attorney for the first time to begin appropriate litigation.
After the standard back-and-forth, Capital One admitted that the two mortgages were " unenforceable '' because I, as a 1/3rd owner, had not been made aware of - or asked to sign - any documents.
Capitol One is countersuing me for {$35000.00} via a " Faith In Equity '' lien. Their argument is that while the {$50000.00} loan WAS not enforceable, it did pay off the XXXX XXXX XXXX ( XXXX XXXX ) loan that existed 11 years prior to my being added to the deed.
The ACTUAL payoff amount of that loan was {$17000.00} per the signed HUD-1 from the closing. This HUD is only signed by my mother when, in fact, my father ( who is included on the loan documents ) should have signed the HUD ( RTC, TIL, and Riders ) as her spouse. My signature is obviously missing as well given I was never told any of these loans were taking place. Funding these loans off of this HUD-1 is a violation of U.S. Code Section 1001 and Section 1010 ( per the HUD-1 that was signed by the Settlement Agent from XXXX XXXX XXXX XXXX which no longer exists ). These same circumstances were repeated almost a year later when XXXX sold my parents the {$80000.00} loan. The {$80000.00} unenforceable loan paid off the {$50000.00} unenforceable loan.
On the date of the {$50000.00} loan, my mother was a XXXX year-old retired woman. My father was a XXXX year-old retired man. On the date of the {$80000.00} ( 10-year interest only loan ), my mother was XXXX, and my father was XXXX. The {$80000.00} mortgage, being interest-only, meant that their monthly payment would be well over {$1000.00} starting in XX/XX/XXXX. Were they alive, they would be XXXX and XXXX respectively. I believe my parents were the victims of predatory lending practices.
The initial search done by the Abstractor would have included the XX/XX/XXXXDeed that showed my parents and I as the owners. The bring-down at funding would also have pulled the XX/XX/XXXX Deed. Neither of these loans should have funded without all three of our signatures on the " funding docs '' ( 1st and last pages of the Mtg, RTC, TIL, HUD and any riders ).
So far, my rights as an owner were violated twice by the two mortgages and Capital One now wishes to victimize me a third time by asking me to pay {$35000.00} on a {$17000.00} pay off for a loan from XX/XX/XXXX. Furthermore, the {$50000.00} loan was paid off by the {$80000.00} illegal mortgage. My parents never missed a payment on the {$50000.00} loan having paid {$6800.00} before being sold the {$80000.00} loan. As well, my parents paid {$7300.00} in fees towards the predatory/unenforceable loan. It hardly seems fair that they should pay fees to be victimized.
I certainly shouldn't have to pay a cent for the mistakes made by XXXX ( Capital One ), XXXX XXXX XXXX XXXX, and the underwriter of the lender 's policies. They ignored my rights as an owner and stand in violation of U.S. Code. I did nothing wrong.
My parents had automatic payments withdrawn monthly for nearly 9 years. They paid {$6800.00} towards the {$50000.00} loan, and they paid in the area of {$25000.00} towards interest-only on the {$800000.00} loan. Their wanting me to pay them {$35000.00} on a {$17000.00} payoff is criminal. How many times can I be victimized by this Bank?
I understand " Faith in Equity '' liens have legs. I believe a significant number of situations like mine involve a spouse being excluded on the loan. My attorney sites one example where a husband and wife had an initial mortgage together where they both signed. They separated at some point, and the husband went on to forge her signature on a series of loans reaching over a XXXX. Her " good faith '' was that she did initially sign and agree to be financially responsible for the first mortgage they took out together. The second loan - while fraudulent - did pay off a mortgage that she knowingly and willingly signed which obligated her to repayment of that loan. The forged loans obtained by the husband never had a history of payments.
I am my parent 's child. In XX/XX/XXXX, when the {$50000.00} loan was granted, I was a XXXX year-old woman. I wasn't a dependant. I didn't live in the same house with my parents. When the {$35000.00} loan was taken out in XX/XX/XXXX, I was a XXXX year-old woman. Again, not a dependant who lived under their roof. In XX/XX/XXXX, they had no obligation to inform me of their personal finances. In XX/XX/XXXX, the {$50000.00} loan was coordinated by professional mortgage service providers who were obligated to inform me of any transaction that involved the property because I had, by then, become a 1/3rd owner. They employed the service of an Abstractor which involves a Deed search. They had an obligation, by law, to ensure all parties on that Deed were made aware of the loan. They ignored the findings ... twice. My parents were both retired. They, like most people, weren't versed on the process of taking out a mortgage. I, on the other hand, was working for a title company ( that still exists to this day ). In XX/XX/XXXX, while they were signing documents on a bad loan, I was at work AT a title company clearing title correctly for other people. I never had the chance to protect my parents from these bad loans. I was excluded from the process by the mortgage service providers, and that shouldn't cost me a cent.
There's no logical - or ethical - path to justifying that their mistake should cost me anything. These unenforceable loans were paid on for 9 years, in violation of my right as an owner, and it took my mother 's death for me to be made aware of them. They violated actual U.S Law while I simply earned a living. Unbeknownst to me, I am suddenly expected to pay tens-of-thousands of dollars in attorney fees and such having never violated a single law? I wouldn't have attorney fees if they had done their job. I wouldn't have had to make the XXXX payment to hold off foreclosure if they had done their job. {$7300.00} in fees would have been reimbursed because the loan would never have funded if they had done their job. My parents wouldn't have made {$6800.00} in payments towards a bad loan. The second bad mortgage would never have happened if they had done their job the first time.
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11/30/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions '' Again THEY HAVE NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period. This is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have XXXX calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation of the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal to follow federal procedures/laws.
ACCOUNT NUMBER : XXXX
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02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CAPITAL ONE. Inquiry : XX/XX/XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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10/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Capital one has conspired with XXXX to commit fraud against its customers.
In XXXX I was a the victim of several data breaches and my personal information published on the dark web. I lost access to all my social media accounts, someone had gained access then changed passwords and recovery information. It was a mess I changed everything over including my phones.The extent of damage at the time seemed to only be from me changing everything. I watched closely my credit accounts, canceled cards, didnt ask for new ones to be sent out ; worried that my mail would be forwarded to a bogus address. My Capital One QuickSilver card and XXXX account was part of this process. It took days of searching the web for XXXX contact information. Eventually I had to make another account and from there was able to find their correct customer service phone number to cancel. ( XXXX customer service number published on the internet belongs to a car warranty center. ) After some time I was able to regain access to my XXXX acct XXXX. and eventually all of my social media except one XXXX acct XXXX. That acct is still locked down.
I believe it was in XXXX or XXXX I received an email from XXXX saying they had lost a lawsuit and I was entitled to free XXXX credits if only I logged back in ( see link for more information on lawsuit XXXX XXXX XXXX ) I logged back into my XXXX account. I dont remember actually giving XXXX permission to start charging my XXXX XXXX XXXX acct again after I logged in. Im not trying to dispute the XXXX XXXX XXXX charges. However, I should, I was using the credits that I was made to believe from the email they sent I that I had been awarded thats the ONLY reason I logged back in as I already had another accout that I was also paying on.
In XXXX of XXXX I was again the victim of data breaches where my email and personal information were published on the dark web and I lost access to all social media and email accts. I again had to change everything over my XXXX account was again one of the accounts I ended up canceling due to no longer having access you can see in my XXXX account all purchases stopped after this date. In XXXX you can also see that I had cancelled the acct as all activity on the account stopped.
It seems XXXX business plan is to continue billing for as much time they can as long as you arent able ohysically access your account they dont have to acknowledge contact by phone and the credit companies are completely on board with this policy. XXXX routinely debits expired old credit cards. Bipassing their card numbers and pulling directly from the accout. This standard operating procedure because the credit card companies allow these charges to go through.
In XXXX of XXXX XXXX began charging my Capital one quick silver account again without my permission knowledge without an active account as I had called in to cancel. The card they had on filed was canceled in XXXX the expiration date also expired. Just standard operating procedures. Eventually one of old cards will go through.
I never gave XXXX permission after I cancelled my account in XXXX to charge my Capital One Quicksilver acct. I havent had an active card attached to the account since XXXX. The card number wasnt changed because they never issued a new card that was activated. I dont even have access to what the card number was as that card is invalid from 8 years ago. Capital One cant even give me what the card number was. They used information from my acct that should have been removed in XXXX when I called and told them I no longer had access to my acct. and I was the victims of identity theft.
On XX/XX/XXXX I again was the victim of data breaches and again my emails and social media accts were taken from me again I regained access then again. I began researching all my credit accounts looking and researching all charges. In XXXX I began a new XXXX acct. I was using another account paying for their XXXX services so my husband receiving an email about an XXXX charge wasnt something to freak over. But seeing 2 charges is. It took looking at all months on all credit accounts to find there was a double charge. The fraud went on unchallenged for 4 years. During the week of XX/XX/XXXX I contacted XXXX regarding the fraud. I was offered the month of XXXX back. I did not take their offer after closing my XXXX account even though I STILL have credits owed from the lawsuit they lost I closed the account and contacted Capital One to file a claim for fraud.
XXXX advised during while I was speaking to them that it is standard operating procedures to not refund fraudulent financial activities and it is also standard operating procedures to charge old cards on the acct after the acct has been cancelled, that Capital One and in fact that all the credit card companies are onboard with this type of fraud. Why wouldnt they be? They get the interest charges its in their best interest to make as many fraudulent charges on accounts as they possibly can.
The first set of Capital One agents I spoke to regarding the fraud on my account also confirmed that this is their standard operating procedure. Why would they care if a company is fraudulently charging on a closed card as long as the account is open all charges go through as long as theres credit on the acct why should they care and I had some audacity for even questioning this practice.
The next set of Capital one agents finally took my fraud claim and I was refunded 4 months of fraudulent charges. I am not ok with this result. But wait theres more On XX/XX/XXXX after agai. Cancelling my account XXXX dinged my Capital One card however that charge is still pending so on XX/XX/XXXX they dinged it again that transaction was declined so they went to my other card my XXXX XXXX XXXX card that was cancelled in XXXX.
Tonight XX/XX/XXXX I called XXXX again and asked to cancel my account I again had to go through the whole situation and getvtold I was a liar until I was able to provide proof of my calls and contact during the week of XX/XX/XXXX. The agent XXXX then refunded 1 years worth of money they stole from me. This is still unacceptable I am not going to stop until I get a full refund.
Capital One Quick Silver and every credit card company that conspires with XXXX in this fraudulent illegal bad business practice should be held liable too.
( In a perfect world I would have back the monies that were taken after the closure of my account in XXXX. I am not that hopeful, I am asking for Only XXXX as I can PROVE those charges are fraudulent. It is XXXX and the credit card companies business plan to commit fraud against their customers. However I know that it was probably another bad business practice of XXXX to start charging all the old cards on all the accounts that logged back in after receiving notification of available credits due to their loss of a lawsuit. However, I just cant prove I didnt authorize those charges as that card was still active when I logged back in and its completely possible that I just cant remember adding the card. ) I am due XXXX plus interest for the unauthorized fraudulent charges on my credit card. I am also owed apologies and there needs to be an audit of XXXX business practices. This cant be allowed to continue.
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02/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear CFPB, Capital One is unable to resolve my dispute over a {$200.00} credit card charge on my account ( Case # XXXX ). The issue has been going on for months and they keep requesting new documentation every time they review the claim. Once I provide it to them - TIMELY!, they either deny the claim on the basis of insufficient information (?? ) although ALL the requested info has been provided to them and they have acknowledged its receipt, or they request some NEW documentation from me, and yet, deny the claim upon its receipt again, and then AGAIN ask for some additional documentation. It's been quite a circle.
During my last phone conversation with Customer Service Rep XXXX on XX/XX/XXXX, she confirmed that they had received all the info and documentation they ever asked me for : proof of purchase, copy of receipt, multiple pictures of the damaged goods, pictures of the damaged packaging, proof of my attempt to resolve the dispute with the seller directly, proof of the seller 's refusal to reimburse me for the damaged goods, etc. And then she proceeded to asking me for A NEW piece of additional info from me, which was truly ridiculous in nature and made no logical sense from the necessity or execution point, but according to that rep, it " was the most critical piece of evidence for this claim, and without it they couldn't do anything ''. Now, I was required to provide them with a written statement from a local merchant of the same nature of business ( another liquor-making distillery in the same town of XXXX XXXX I purchased my bottles from ) confirming that the bottles I received were IN FACT broken/damaged. The statement must be on the distillery 's letterhead, in English, signed by the owner and preferably notarized!!! PLEASE NOTE : most of locals barely speak English, their written English is even worse. My seller, for example, struggled immensely with both. So, good luck explaining to them what I need them to write and to sign!
I tried to reason with her and clarify whether she seriously expects me to make a trip to XXXX now to obtain such a piece of paper just to satisfy her request with her. She said YES, and that I would also need to bring all the bottles - including the GLASS PIECES OF THE BROKEN ONES - in the original package - with me to XXXX to present to the person making the statement!! The rep said if I want them to continue with the dispute, I must present that statement, or my claim is going to be rejected, because MY OWN WORD and ALL THE DISPUTE EVIDENCE I had already provided per their prior requests are not as convincing as a letter from some unknown merchant of some other XXXX XXXX distillery they might have never heard of ... .. It is quite an unreasonable request to resolve a {$200.00} dispute, isn't it? I have never heard of such requests made by any other creditor during their dispute resolution process. Forcing their LOYAL customer of many years, who uses their card DAILY and has NEVER been late on a single payment, make a special trip to XXXX, with broken bottles in a leaking carton box, to comply with their outrageous demand to provide proof of the broken goods??!?!? Over {$200.00}? It's a very disappointing and disrespectful way of conducting business, Capital One. Their customer service doesn't seem to follow simple principles of dispute resolution, Customer Care and Customer Satisfaction.
Shocked with this outrageous request, I immediately escalated the matter to a Customer Service manager ( XXXX, ID XXXX ), and her attention to my complaint was beyond unsatisfactory. She expressed no interest in researching the issue and providing a reasonable resolution to my dispute. She merely read the notes on their file and repeated the same info to me as what I had already heard from the prior rep. I asked for another manager, preferably someone from the Compliance Department, but was transferred to a Disputes Manager - XXXX. She also treated me with the same level of lack of interest and " I-don't-care '' kind of attitude. As soon as I mentioned filing a complaint with you, CFPB, she placed me on an extended hold, and upon return she offered my a courtesy resolution of 50 % - {$100.00}. I felt insulted. I told her I had done nothing wrong as a buyer/credit card user, provided Capital One with EVERYTHING they had ever asked me for, I was wronged by the merchant, they made no effort to resolve my dispute in a customer-friendly manner, the dispute amount was not thousands $ $ , and they should have really come up with a better way of treating their loyal customers. Hence, I politely rejected their UNFAIR and UNREASONABLE offer.
And here I am, seeking your interference in hopes for a more favorable resolution of my dispute from the Capital One for the FULL amount of {$200.00}, and Capital One 's revision of their Disputes Resolution process.
BACKGROUND : On XX/XX/XXXX I made a purchase in one of XXXX XXXX, XXXX, local liquor distillery - XXXX XXXX XXXX - of a few bottles of liquor using my Capital One credit card. All of those bottles were meant for gifts to my friends from my honeymoon, so I asked the seller to include gift boxes as well, to which he agreed. For additional charge, the seller offered to ship the bottles in 2 separate boxes to my US home address. He assured me that all the bottles won't fit into 1 box without breaking and convinced me to pay a bit extra, for the 2-boxes shipment, but it'll guarantee that the bottles won't break this way. I agreed. The total price for the purchase with the shipping was {$200.00}. The seller stated the boxes would be mailed out the same day and arrive to my US home within 2 weeks.
However, five weeks later, when I still didn't receive my packages, I contacted the seller via email inquiring of the status. He ignored. I emailed again, he ignored again. I called his store, in XXXX. Was told in a very poor English not to call as no one speaks good English there, but to email instead. I emailed again. Got my response, in which I was lied to that the boxes were mailed on the agreed upon day, XX/XX/XXXX, but when asked for the tracking number, he provided me with the proof that the shipment pickup from his store didn't in fact occur until over a month after the purchase ( XXXX confirmed the shipment day as XX/XX/XXXX ).
When I finally received the shipment, it was only 1 box, not 2. Despite our mutual agreement and the extra charges for the 2-boxes shipment, all the bottles were squeezed into 1 box, without any proper separation / cushioning between bottles or the box. When I was picking up the box from the XXXX facility, the box was soaking wet, and liquid was dripping from it. NOTE : XXXX marked it as " damaged shipment ''. One could easily understand that the box was stuffed too tight, which caused some of the bottles to break. The content spilt all over the other bottles, dissolving their labels, thus, making all the unbroken bottles label-less and damaged for gifting ( which was the whole purpose of the purchase ). Also, the gift boxes were not included in the shipment.
CONCLUSION : Due to the DAMAGED condition of the purchased goods and the merchant 's refusal to reimburse me for my purchase, I am demanding Capital One to issue me a full refund of both the purchase and the shipping costs - {$200.00}.
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07/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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XX/XX/XXXX Upon reviewing my XX/XX/XXXX statement for my Capital One Journey credit card ( ending in XXXX ), I noticed a large amount of CASH ADVANCE FEES that were included. These fees were applied incorrectly on the transactions they were affiliated with as they should have been considered TRANSACTIONAL and not CASH ADVANCE. This exact error has also happened with a different Capital One Card that I had ( XXXX ) in XX/XX/XXXX, with which I called and had resolved immediately. With this issue arising again with my current card, I attempted to get all of them refunded, but was not able to work out a solution with Capital One. I was met with inconsistent policy, deflection, long delay/telephone holds and excessive instances of a fabricated status of this issue. I submit the following information, credit card statements and timeline for review in this matter : XX/XX/XXXX - Called customer service and spoke to XXXX ( Employee ID XXXX ).
- Explained the issue and informed him that this had happened before with my other card.
- Explained that of the 12 Cash Advance Fees present, only 2 were valid ( as I had taken 2 actual cash advances from an ATM ). The other 10 were incurred on NON CASH IN HAND purchases of funding a pre-paid card from XXXX XXXX XXXX XXXX.
- XXXX and I looked over the issue, and we saw that 2 of the cash advance fees were already automatically refunded ( although only half of one of them for some reason ). Also, there were two additional CASH ADVANCE FEES after the statement date as well, but had already been refunded - XXXX was perplexed why the others were not refunded and put in an order to resolve the issue. He told me the correction should show up in 2 to 3 business days.
XX/XX/XXXX - No action had been taken for refunding the cash advance fees yet, so I again called Capital One to inquire about my issue. I spoke this time with representative XXXX ( Employee ID XXXX ) - I again explained everything about this issue, just as I had done on the XXXX/XXXX/XXXX call.
- XXXX said that he saw that the transactions incurring the fees needed to be re-categorized as TRANSACTIONAL as they were currently categorized as CASH ADVANCE.
- At the end of the call he said that they were working on it and that I should see the situation resolved and refunds issued within 2-3 business days.
XX/XX/XXXX - Once again, not a single refund for the disputed cash advance fees had been made by this date, so I called Capital One. For this call, I had to explain the entire situation 3 separate times as I was transferred to someone else who would be able to help me. My final contact was a supervisory representative named XXXX ( Employee ID XXXX ).
- - After explaining again the situation to XXXX she said that she didnt know why any of the previous representatives would have told me that I would be getting refunds or that they had people working on the situation. She said that they dont refund cash advance fees basically because she cant. ( FALSE ) The following represents an unethical and fabricated web of lies that ensued in my conversation with XXXX. PLEASE TAKE NOTE OF THE INABILITY TO PROVIDE ANY CONSISTENT POLICY : ME : Why was I refunded for some and cant be for the others?
XXXX : We can only refund fees once per year. ( FALSE ) ME : But I have had 4 refunded already this year, and had 3 refunded in XX/XX/XXXX.
XXXX : Well, I meant issuing refunds on one day per year. ( FALSE ) ME : They were divided between two completely different date this year.
- As I repeatedly challenged the illegitimacy of her statements with hard-evidence that completely contradicted them, she became agitated and said the only thing she could do is to schedule a Manager Callback. I asked her to do that, and she set it up on her end. For some reason this process took at least 10 minutes of silence from her, except for the loud background of people near her yelling, laughing, etc.
- Finally, she took verified my call back number ( I gave me cell phone number ). She said that I would have to wait until Monday for the callback because a manager isnt available until after the weekend. She then said that I would be contacted at some point before XXXX on Monday. I then ended the 60+ Minute call and waited for the manager callback on Monday.
XX/XX/XXXX - As of XXXX, a Manager Callback return call was NOT made to my cell phone as promised. I decided once again to call Capital One and did not attempt to explain my issue for the 6th time to anyone who would have to transfer me further up the chain of command, so I insisted on speaking with the highest level in management that I could. Eventually I was speaking with a Customer Service Manager named XXXX ( No Employee ID # given ).
- I explained everything about the issue and the past events of prior customer service calls.
- After being placed on hold for approximately 20-25 minutes ( with a few checks to make sure I was still there and thanking me for being patient ).
- Eventually, after arguing a bit about the inconsistent matter of some fees being returned, while others were not and the error in categorizing the items as CASH ADVANCE and not TRANSACTIONAL XX/XX/XXXX stated that the merchant would be the one that had to return the cash advance fees because they categorized it as a cash transaction. I questioned this obviously because I knew the merchant would not refund a fee that they did not impose on me. Even as ridiculous as this statement was, XXXX then said that I should call the merchant and see if I could get them to do it or have them change the categorization from a cash transaction on their side to a simple transaction. At this point, I was not going to have to call Capital One again on this and said I think that Capital One should be doing this for me. Her response was to start a conference call between us. I agreed.
- A representative from XXXX XXXX customer service named XXXX was brought into the conversation with XXXX & I. XXXX explained that these were not cash advances in a technical term, but in order for the purchase to comply with banking regulations and to be approved they had to be produced to Capital One as such. NOTE : As the online casino business is very new, the exact transactional categorization hasnt been created yet. Its a prepaid card that I am paying for and funding it ; it is a product. Capital one does not incur CASH ADVANCE FEES for purchasing or funding a cash gift card like a VISA Gift card. My XXXX XXXX Prepaid Card is the same ( XXXX Issuer ).
- After this the conversation with XXXX from XXXX XXXX ended I returned to a call with just XXXX. XXXX seemed to turn toward she did not understand what had been said or wasnt interested in moving this forward any more with me. I alerted her that I would be filing a complaint with the Consumer Financial Protection Bureau.
Please refer to the capital one statements I have included. Two of the statements are from the account regarding the issue, and another is from the account that has refunds for the issue from before. I have made identifying marks and comments to focus your attention to the issue pertaining to this complaint.
I look forward in a prompt response to this issue. I have provided all contact information I would expect to see this from. Thank you.
XXXX XXXX.
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05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have XXXX credit cards with Capital One. 1 is a Spark business card the other two are Platinum cards. I have had these cards for over 5 years and I have paid as agreed. On XX/XX/XXXX I receive a text message from Capital One and it says that my autopay did not go through. Strange?? I dont have my account set up on autopay. I phoned right away and spoke to a customer service rep. He looked into this and said that the error was on their side. He said that there was an autopay set up XX/XX/XXXX to post on the XXXX. I shared that I had phoned in XX/XX/XXXX to dispute a charge on my business card. A vendor had charged my card and failed to send the merchandise. What the rep thought happened was my account left open on the screen when the rep answered another call. The rep then set up something on my account instead of the person she/he was speaking to. I asked if he could see who did this? He said yes but he could not give out the name but he would speak to them. He apologized assured me that once again this was an error on their part and nothing would happen to my account there would be no charges etc. We hung up. I notice on the app that my counts are on restricted I phoned and was told that due to the many NSF returns I was on restricted I asked them to go take a look I have zero NSF on my part on any of my accounts and the one that is there is due to the error on your side I was set on autopay I explained that this was taken care of that I spoke to the rep. I was told that I made a payment on the XXXX and that there was no autopay set up. I shared that I did not make a payment and yes by mistake someone set up my account as an autopay on the XXXX of XXXX for the XXXX. I was told over and over I was not being honest and that the computer clearly states what I had done. So someone changed the computer notes. Its a good thing I have my statement because it shows this payment set up. Once I told them to pull my statement they go quiet and dont know what to say. It is clear that I have never in my history have bounced a check there has never been an issue I am a credit card company 's dream. I am told that this restriction will be taken care of.
XX/XX/XXXX I awoke to being locked out of my computer yes it had been hacked and from the computer they broke into my bank account and took money. I filed with the FTC the XXXX and the XXXX. While at the police station on XX/XX/2022 the XXXX said to me as a courtesy to all your creditors it is a good idea to share with them all what has happened. While he was doing his part of the paperwork he said you should call some now. I phoned Capital One and I shared with the rep that I was standing in the police station I shared with them my hacking my bank account was compromised and that I was filling out the fraud paperwork but I wanted to let them know what had transpired. I shared with them that at this time ( and still to date ) my Capital One credit cards WERE NOT compromised that they looked great. The call took maybe 4 minutes. My cards are left on restriction I am unable to use them and so I phone back and I am told depending on which rep I get everything from too many returned payments, to one is too many and we cancel all cards if one payment is returned. And don't I know how to read it is clearly stated on my statement. It says nothing of the kind. I am then told that I disputed every charge on every card. I said no I did not. I said I disputed one charge on one card and the company I was in dispute with paid me which meant Capital One got their money. I am told that I filed a fraud claim for every charge on every card. I said I knew something was up because I was getting calls from my vendors saying I had disputed the charges. This became my nightmare. I never filed a fraud claim and I disputed XXXX charge. To find out through my vendors is not a good way to find out that your credit card company is disputing legit charges that I owe for. The craziest thing is they have ruled on my side with some and I owe these are legit charges. So now I go around and around with Capital One I have called at least 35 times to get this rectified and they have closed down all three accounts and there is no reason They have reported me to all three credit bureaus and my credit went into the toilet. This is not right. I have never filed any fraud charges and if that is what their agent heard while I stood at the XXXX station, their rep needs to listen. I did not authorize Capital One to dispute charges on my behalf ( except for the one in XXXX the store is Spoiled Child ) I never authorized or shared that I had a problem with their cards. In fact the polar opposite I said while on the phone with them.Something needs to be done about their reps. I feel that perhaps across cultures the way someone hears something is different. XXXX while I was filling out fraud charges with the XXXX that is the word the rep clung onto. But I would think that we would have talked longer than 4 minutes. I would think that I would have to go over what I thought was fraud. And being that there was no fraud on Capital One cards I went over nothing. I am sure the desk srgt would also say I said nothing of the sort. So how do you pick what you are going to dispute if I didn't give the permission?? I also have my phone bills showing the times I have phoned you which has been XX/XX/XXXX for the dispute on my business card.March XXXX after getting the text saying my autopay did not go through and XX/XX/XXXX while at the police station. Now since the accounts have been canceled for no reason that is true or correct I call daily. My calls can be shown on my phone bill. I also tape my calls for quality control. Let me know if you would like to hear how your customer service reps handle things and what they have to say.
I also find it very odd that my accounts and my cards do not match what they have in their system.Look at the paperwork I have included here. Who is XXXX???? Not my cards. My Spark last four on the card is XXXX on the personal one is XXXX and the other XXXX. XXXX is the one where the autopay was set up by them not me.Of course that is now missing from their computers. I have emailed the CEO the Head of Fraud and one would think I would get a reply NO they do not care that they have shut my cards down for ZERO reason and the one they do give is not true or correct. These are some very big mistakes made on their end and now not knowing how to deal with it my accounts shut down and I am ignored and locked out of the accounts. XXXX XXXX arrives with a letter yesterday XX/XX/2022 and the letter gives no reason why I have been closed down.and the documents that follow all they show is a card number ending in XXXX which is not mine and how " THEIR EXPECTATIONS FOR ACCOUNT USAGE VIOLATES THE CUSTOMER SERVICE AGREEMENT '' Again, this letter tells me nothing. I have no clue what they expected. Now I am getting late charges on the cards but I am locked out and I refuse to pay until this is rectified. What they have does not fall within the state or federal laws.
This is wrong this has had an effect on my business and the fraudulent reporting to all three bureaus has hurt my credit and for no reason I pay as agreed You need to check your mistakes you have made many
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07/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
I purchased a XXXX printer, oven and accessories from a company called XXXX with my credit card for a total of {$3400.00}. I received it XX/XX/2023. On XX/XX/2023 the printer malfunctioned due to a defective electronics thermostat, and electrical issue which occurred 13 days after receiving it, and I was within my 30 days for either a refund or an exchange of the printer. Proclored After Service tech, P-he wanted me to borrow or purchase an electronic testing equipment device called a multimeter, take the printer apart and conduct electrical testing and send them readings. I stated that if I have to do such extensive troubleshooting, I want either a refund or a new unit exchange. The company did not want to honor their refund/exchange policy and would not exchange the printer for a new one. The only option XXXX gave me was to send it in for repair which was unacceptable and again not per their policy as advertised. XXXX would offer no other option except to send it in for repair, and I was not happy with the only option, but had no choice because the printer would be non functioning, and I paid {$2800.00} for the printer.
I felt strong armed by the merchant to either take this offer, or settle with a non functioning printer. On XX/XX/XXXX the printer was sent to the facility in XXXX XXXX, Ca. and XXXX had the printer for about a month, because of this delay the printer due to no daily maintenance can become more damaged. I was fearful that this printer could run into more mechanical issues, and when XXXX contacted me on XX/XX/XXXX they stated that it was a print head issue but did not disclose the actual damage of the printer which was electrical. XXXX ' actions during this entire ordeal have proven not to be a trustworthy merchant.
I discovered that my credit card company Capital One XXXX XXXX had a policy XXXX Defective/Not As Described chargeback which could be initiated, because it applied to my situation. The quality of the printer as well as their services were not as described. On XX/XX/XXXX I spoke to a representative from Capital One XXXX XXXX XXXX Department and stated in detail what my issue was with the Merchant Procolored and how I tried to receive either a refund, or a new unit exchange. I wanted to initiate XXXX 's policy XXXX XXXX Not as described and was told that I could proceed with initiating the chargeback. I was informed that if Capitol One XXXX needed any additional proof just have it ready to send.
XXXX sent me an email on XX/XX/XXXX stating that it was now my fault that the printer had an issue which was false, and that XXXX still had the printer in their custody and they wanted me reverse the chargeback so they could send me the printer. I then received a second email on XX/XX/2023 from XXXX negotiating the charge back and stating that they count not agree to a {$2800.00} refund but would agree to a {$2400.00} refund. I refused because I still lost {$1000.00} for a DTF oven and extra ink I purchased that I can't use or return. Out of retaliation XXXX took parts of our XXXX and email conversations and edited it to create a false narrative, lied and said I damaged the printer, and submitted it to my credit card company Capital One XXXX XXXX. On XX/XX/2023 I received a letter from stating that they reversed the charge back to XXXX of {$2800.00}.
In the letter I had until XX/XX/XXXX to submit the following a letter stating the disputed amount signed and dated, Proof of the Paid invoice for the product, a copy of XXXX 's refund policy, and a rebuttal letter in response to the doctored documents that Procolored sent to Capital One as well as any other additional documentation. XXXX sent intentional edited emails cutting out sections of my conversation with their tech and customer support reps that would validate my claim that the XXXX was never discussed with me, and how I several times requested for a refund as well as a new unit exchange within 30 days. I sent additional documentation of the UPS Labels, delivery timeframe emails, XXXX XXXX conversations, along with additional proof proving that I did not damage the printer, as well as point out that the initial problem was an electrical issue. I pointed out the inconsistencies with XXXX 's refund, exchange and their warranty policy.
Still with all my time stamped documentation a Capital One reviewer named XXXX XXXX XXXX : XXXX sent me a letter today XX/XX/2023 stating to me that I did not provide what they asked for which is completely false. In this letter Capitol One did not disclose what specifically I did not include, and told me to continue my dispute with the XXXX XXXX. It is very upsetting that my credit card company refuses to help me, especially with all the proof I provide.
I called a representative of Capital One XX/XX/XXXX and explained the issue... again. I pointed out the specifics including the email from XX/XX/XXXX that should have been the deciding factor to initiate the chargeback because Procolored agreed to the refund, but the Captial XXXX representative ignored it and stated that I agreed to have it sent in for repair, even after I explained and included the completed unedited emails and XXXX conversations that all Procolored would offer is " send it in for repair. '' The Capital One rep who I spoke to who was mediating with the XXXX and dispute department stated that the XXXX is not allowed to have the merchandise and keep the money.
I was then transferred to XXXX of the Capital One managers in the XXXX and Dispute Department XXXX, who stated unfortunately they can not help me an the decision was made. I informed XXXX that XXXX still has the printer, and since winning the chargeback they have not once send me any email or skype message stating that they would send the printer back. XXXX stated that I would have to contact XXXX to get the printer back. I don't understand why a chargeback was granted without Capital Once making sure I had the printer in my custody. I explained to her I now have to fight with a company who I opened a disputed chargeback on who most likely will not be hospitable to help me as well as possibly charging me to get the printer back, and there is still a great possibility that printer will not work, or the merchant may damage further out of retaliation. I asked for the legal team address but XXXX refused to provide. I asked for Capital One 's corporate office phone number, but all she gave me was the address and refused to provide me the corporate number.
I am an XXXX XXXX XXXX military veteran, and my only income is my XXXX. I have a very small crafting business to make extra money to sublimate my income. And purchasing this printer was supposed to help elevate my business, and the generated sales would compensate the printer amount, but now has only added financial stress. This company did not deliver what was advertised, and I expect for my credit card company Capital One to help me, not the merchant. XXXX their decision on ALL the evidence, not one sentence from a submitted document that I proved was doctored. I have excellent payment history with Capital One and was very happy with their services until now. I am very disappointment with XXXX Ones ' treatment of me as their customer of XXXX years.
|
09/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
Capital, one has put, through XXXX to the point I had a XXXX XXXX IIended up XXXX XXXX because of it. And they continue to XXXX me. Because of my current situationLet me explain the situation I had tried to log in several days ago to make a payment on my capital one XXXX master card ending in XXXX simply to make a payment as I usually do and I have done so on time for the last 5 years. I inputted the correct user name and pass word but for some reason their system said that there was something stranger about the login even though I used the correct login information they locked me out of my account.The only way to fix this was to do a verification text via cell phone and thats the problem I currently do not have a working phone due to my finical situation and the pandemic. I have issues with XXXX I lost my mom in XXXX my grandparents a few years latter my brother died in XXXX and my father died and I have no on who I can get help with for a phone. There are no pay phonesthere'sno alternatives.Capital, one ran me around for over 4 hours I reached out to their customer service chat and spoke with a rep they refused to fix the log in information they said the only way to login is was with that verification text but since I am in hardship I can't get a phone in a timely matter in order to make the payment on time. They have no physical branch locations and the one that they do have in XXXXwhich is not open however I did stop by the branch location to use the kiosk and I couldnt make a payment their because you have to have the physical card which I had explained got shredded by accident earlier this year and I was unable to reorder one because you have to call and as I explained to the rep for over two hours I had no phone. The rep suggested however to possibly reach out to a friend who had a phone so that they could get the verification text and it could be resolved that way So I got a close friend 's permission to use that number I entered in the cell phone number in but still capital one would not use that number because it wasnt registered to me I could have gotten a cheap prepaid phone and capital one wouldnt accept that number. So again, I reached out to the customer service chat and spent over two hours with them and they just ran me around the rep said we can do that with that number I gave her the number I waited and then she said oh we have an error with that number it's not in your name. I had already to her that and what the situation was why didnt she listen to me. She then escalates the case and askes for contact information so that someone can reach out to me I told them email me via the email thats connected to the account she said no they can't do that they have to call. She didnt seem to be listening to what I said during that entire two hours. You can't have someone simply reach out to me via email why is that such an issue.Firstly, capital one doesn't have any us based customer service and secondly, its the worst Customer service I ever had to deal with they gave no alternatives except ways to torture me and run me aroundalli wanted to do is log into my account as I have done so for the last five yearsI have five other accounts with other companies and I have never had this issueMy desert schools bank account and credit card through XXXX XXXXgive me no hassle over my new device. My credit card account for them you enter your user name they do ask you a security question and you enter your pass word and thats it.No issue with my XXXX XXXXMy XXXX XXXX XXXX account allows me to login with this device there a little bit stricter you enter in your username then you do a picture verification to verify your human then your password and sometimes they do want to do a verification code but they allow you to do so via email but I have had no issue with boaI can even log into my XXXX car XXXX onthi9s device with noissueCapital one is the only company I have had this issuewith andit'stoo muchThey also made an erroneous claim that it was because I signed into the account with a new device. Well my Pc had broken and I had to order a new computer in the interim I had an tablet which was not a phone it only had internet access and I was able to login and make a payment that posted on the XXXXof XXXX in that time they did send an email flagging it but the email stated that if it was me that logged in to simply ignore the email. I did not anticipate having any issues simply making this month 's payment and just being able to simply log inIt 's just run around and nonsense they say its security that it's their priority customer service should be their top and number 1 priority. Do you want to go to a grocery store where there are armed guards everywhere? And you have to give a finger print just to enter the store or do you want to go into a store where someone greets you at the door with a smile people wanttodo business with a company where they feel welcomed and thereisn'ta hassle and this is a hassle.And this is not the first time I have had issues with capital oneIn XXXX when I opened the accounts I couldnt log in because they had my old credentials from accounts that were closed out of mine from XXXXandhad issuesloggingin then.I also tried to have the billing date moved and they told me it would takeat leasttwo billingcyclesto do thatLast year I had tried to have them reevaluate my interest rate as my credit score had increasedsubstantially andthey refused to do so on a permanent basis and the interest rate goes up every year even though my score had increased during that time.And now this garbage with the login they have essentially blocked me from logging into the account simply because I do not have access to a phone even thought my login was legitimate using a device with the sameipaddress that I have had for almost 6 years now at my residence which is on file with capital oneI havehadno physical card for the account ending in XXXX for six months because youcan'torder one onlineAnd no one from capital one wants to resolve this their social media team was supposed to reach out the same day that never happened. Their chat support seems to just run me around and at some points didnt seem to read my messages or understand the complaint and I had it out with the guy and used a lot of XXXX. And then it seems like theiraccusingme of something simply because I got a new device and its wrongI had several panic attacks I had hurt myself in one of them over this my payment will be late and I have a very difficult time even getting access to a phone I am panicked right now and capital one has done nothing to even resolve this matter and I simply dont know how much more of this I can take.They need to understand that not everyone has access to a phone. You may have a XXXX or you may have an issue with a phone thats either on order in repair so or even infinicalduress what's is a capital one customer supposed to do in that situationThey have never once tried to resolve any of my issues andit'snot right all I want to do is have easy access to my account and just simply enter my username password and thats it why makes this sodifficult itswrong what they put me through and they need to help in this situation
|
02/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
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Web |
|
The purpose of this letter is to request assistance against the practice of Capital One and XXXX XXXX XXXX.
We request that Capital One and/or XXXX XXXX XXXX reimburse the payment of {$4200.00} which XXXX XXXX had to do in order to stop the following threats : 1. Continuing interest charges against an account that was meant to be paid off in full in XX/XX/XXXX. Account which they failed to advise title company that the payment was short leaving an open balance uncovered by the given payoff amount.
2. The threat that they would foreclose on the property 3. For XXXX and/or Capital One to continue to damage XXXX XXXX credit record, which already has been damaged after the refinancing in XX/XX/XXXX due to the lack of response from Capital One and 4. The threat that XXXX would also report against XXXX credit if no payment was received prior to XX/XX/XXXX.
In XX/XX/XXXX we refinance the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX. Through the refinancing process the property changed titled from XXXX XXXX to XXXX XXXX as ordered in a divorce decree.
Because we received a payoff confirmation letter from Capital One which indicated that additional documentation would follow, when envelops arrived, the importance of the content was accidently overlooked. It was until XX/XX/XXXX when we realized there was a problem with the payoff and we immediately called Capital One. They never responded to our inquiries. What they did was to continuously send their patterned letters.
During the refinancing, the XX/XX/XXXX regular payment was stopped, the Title Company notified Capital One of this and requested a 2nd payoff specifically requesting the XX/XX/XXXX charges, Capital One provided a second payoff amount including interests through XX/XX/XXXX.
Due to the lack of response by the middle of XXXX, we requested assistance from the Title Company, and they were able to obtain a demand from Capital One which is their letter dated XX/XX/XXXX.
XXXX XXXX XXXX has indicated that they can not assist with this issue as they submitted the payment to Capital One, and it is a general practice in the industry that if they payoff is incorrect, Capital One should not have accepted the payment and would had to contact the Title Company. Being that they never heard from Capital One, this is indicative to them that their payment satisfied the debt.
In XX/XX/XXXX as soon as we realize the problem existed, we immediately called Capital One, and placed multiple calls. We were told that the issue on hand would be elevated however, we never received a call back from them to help resolve the pending issue of an outstanding balance.
We certainly were expecting to be able to have a conversation with someone with authority to resolve the alleged outstanding balance issue ; however, not one of the persons whom answer their phone had authority to reach a resolution or provide an explanation, forcing us to continue to wait.
We kept on calling, finally on XX/XX/XXXX we wrote and faxed a very detail letter requesting someone with authority to call us to clarify the issue.
On XX/XX/XXXX when we called Capital One to verify that they had received the faxed letter we were told that the account was outside the control of Capital One as the account was reassigned to XXXX XXXX XXXX and there was nothing they could do.
On XX/XX/XXXX I began calling XXXX XXXX XXXX and we were told there was nothing that could be done as the file had to be boarded and we had to wait for a couple of weeks.
Being that we were told that there was nothing that could be done, we had no option but to wait. Again on XX/XX/XXXX we began calling again. We placed multiple calls via their XXXX XXXX XXXX XXXX ; then, we were given a representative , XXXX XXXX and also left him multiple messages at the given direct number XXXX XXXX XXXX. Subsequently we were told the file was reassigned from XXXX XXXX to a XXXX on XX/XX/XXXX.
On XX/XX/XXXX I was able to speak to someone who suggested that perhaps if we extended an offer to compromise by sending a letter along with a check that would prompt to call back to us. Therefore, by XX/XX/XXXX we considered what transpired and sent of offer letter and mailed a check offering to compromise.
XX/XX/XXXX was the first time I was able to speak to XXXX, who indicated that he needed to submit the file to the investor ( The investor being Capital One, who told us on XX/XX/18 the account was out of their control ) to review our offer. XXXX indicated he did not have copies of any of the letters we had sent via their fax number XXXX XXXX XXXX. XXXX also indicated that the file would be sent to a unit to verify that there was no wrong doing in their part and this review would take approximately 45 days to completed.
On XX/XX/XXXX I spoke to supervisor XXXX, she stated that they had been instructed by the investor that they were not willing to negotiate and expected the full pay off amount as the house had equity or they would proceed to foreclose on the property.
At this point and given their unwillingness to consider to negotiate or consider the time frame it took for us to get to talk to someone or the fact that Capital One did not follow the industry standard to reach out to the title company given that the payoff was short creating a left over balance and the additional interest/charges the account had incurred increasing the balance, XXXX had to take out a loan through the use of her car in order to pay off the account.
It is also our belief that Capital One did a mistake when they received notice that the XX/XX/XXXX payment was stopped, they had ample time to call the Title Company and advise them that the payoff did not cover their balance instead of accepting the funds. Capital One knew this information when the second pay off was requested.
It is our belief that based on Capital One letter dated XX/XX/XXXX they incorrectly allocated the funds sent by the Title Company creating a left-over balance on the account, by allocating fees for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX instead of rejecting the payment and reaching out to the title company.
Considering that we received a payoff confirmation letter from Capital One, that we have attempted to reach out to Capital One by phone since XX/XX/XXXX, when they told us they would elevate the issue and never responded, then also sent them a fax on XX/XX/XXXX advising them that the loan was paid off, they did not follow up industry procedures by not accepting the payoff and contacting the title company, they never acknowledged the requests for contact, they reassigned the loan without regard to all the inquiries that we were making trying to speak to them and reach out a resolution by not acknowledging our numerous phone calls or written requests for contact to resolve the alleged due balance grew allowing them a larger profit, all these evidence of their predatory Lending Practice. Based on these we request that they reimburse the payment of {$4200.00}, to XXXX XXXX and clear XXXX XXXX credit through the 3 credit bureau.
Thank you for review of these facts and look forward to a resolution.
XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX.
XXXX XXXX XXXX
|
11/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
To Whom it May Concern, This letter is in regards to possible fraudulent activity and extreme consumer negligence on the part of Capital One where I am the victim. For the remainder of this correspondence " we '' refers to myself and my fianc ', XXXX, who has my permission to be an integral part of this matter. I've had two Capital One credit cards, one being a Quicksilver Visa Platinum ( XXXX ) activated in and maintained since XXXX, and the other being a XXXX XXXX ( XXXX ) activated in and maintained since XXXX. Generally speaking there were no real issues with either card until XX/XX/XXXX. A payment of {$2000.00} was made to BOTH XXXX and XXXX on XX/XX/XXXX. Though these payments totaling {$4000.00} cleared the bank as indicated on our personal bank statement, the XX/XX/XXXX Capital One statements for BOTH cards showed the {$2000.00} payment on each as a transaction described as " Payment Adjustment '', essentially reversing the credit back onto the balance due. When we discovered their mistake we called and they corrected it which shows on the XX/XX/XXXX statements for BOTH XXXX and XXXX. The true and actual balances due reflected the correction appropriately ... until the XX/XX/XXXX statements. On these statements Capital One inexplicably reversed the payments by listing them as a transaction AGAIN with the description " Rtn Electronic Phone Pmt ''. Only this time, the same " transaction '' showed twice, once showing the date XX/XX/XXXX and another showing the date XX/XX/XXXX. Obviously this was reflected in the XXXX statement balance due as an increase of {$4000.00} as if it were a purchase of that value. This error was not seen by me/us until XX/XX/XXXX as we were making a majority of the payments via phone and the balance due stated on the phone was not the same as the one showing on the statement. Once discovered, we again called Capital One to question this mistake and have it corrected ASAP. As a result of that phone call they mailed us a dispute form which we completed and promptly returned by mail. We had hoped this would prompt action. XX/XX/XXXX statement revealed an " attempt '' of a correction as they literally listed the {$2000.00} on XX/XX/XXXX as a " Direct Debit Payment AuthDate XXXX '' under the Payments category then again on the exact same day listed the {$2000.00} as a " Rtn Direct Debit Pmt '' under the transactions category. This strange give and take game they continued to play was repeated on XX/XX/XXXX which showed on the XX/XX/XXXX statement, again on XX/XX/XXXX and XXXX of XXXX which showed on the XX/XX/XXXX statement, and again on XX/XX/XXXX and XXXX of XXXX which showed ludicrously inaccurate amounts on the XX/XX/XXXX statement. The account was " charged off '' in XX/XX/XXXX yet both cards were actually still being paid on via phone and were in fact paid off ( by our accounting and according to pay by phone balance ) prior to the accounts being closed by Capital One. Personal bank statements have been obtained and DO confirm this fact. Several phone calls were made in an attempt to discuss this matter and to give them the opportunity to rectify these blatant miscalculations. My biggest concern was that this was likely a result of internal fraud as was discussed in our previous phone conversations with Capital One on several occasions over the months. During the XXXX Pandemic everyone seemed to be working remotely. Because we had mailed them a completed dispute form, it did not alarm us when someone contacted us representing themself as a Capital One employee from the fraud department working remotely from home. After a couple of phone conversations the communication switched to email as this employee was needing to contact other employees in order to resolve this problem and issue me new cards with new numbers per my demand. By this point, the matter had lingered uncorrected for far too long despite the effort we were making. We continued to reach out to Capital One with the sole intention of having someone care enough to actually take the time to look into it and see that the balances had actually been paid off. My patience was gone. I suspected then and still now that there was internal fraud. One of the phone calls I made to Capital One to get help with this was in XX/XX/XXXX and strangely enough I was not told about my card ( s ) being charged off. I told them we had been communicating with someone via email from their fraud department and that we were told that everything was getting straightened out. The response I got put me into a panic. I was told they do NOT communicate with customers through email so they didn't know who we had been talking to but that it couldn't have been the Capital One fraud department. Still, what happened to our dispute form we completed and mailed back to them in XX/XX/XXXX?
Apparently they're currently under fire for personal information being hacked from their " secure '' system and it's not the first time. I printed off a list of past payments from my Capital One account online and found there to be multiple " payments '' made from financial institutions NOT associated with me at all! Where was Capital One 's security at? They represent themselves as safe and secure with their advertisements but they grossly failed with me. No red flags, no phone calls. No fraud alert letter was sent. They claimed they sent " friendly reminder '' letters but I never received any correspondence from them other than statements which ultimately showed different balance due amounts than was stated as the balance due when making a phone payment.
We have bank statements, Capital One statements, and copies of emails that prove we were not only working to resolve this with Capital One but that we have in fact paid off both cards. My credit that I worked so hard to protect and improve has been affected by this. The stress and emotional toil from this nonsense has consumed me and plagues me daily. We acquired a name of the " go to '' in upper management for fraud and customer relations and have spoken to her assistant about the matter. No return phone calls from her demonstrates a lack of due diligence or concern to even investigate the matter much less care enough to correct it.
Payments were made on time and, when able, modestly above the required minimum. This particular year the plan was to pay off all credit cards and prepare for purchasing a home. Needless to say, Capital One has gotten to big for their britches. I didn't deserve this negligence. I didn't deserve to not have my concerns validated or to not have this matter resolved. It's not a coincidence that my credit report shows all bills, cards, and loans being paid or having been paid off because I pay my bills. With that said, its not even almost logical that I would simply leave Capital One unpaid.
Thank you for taking the time to read this letter. I need help in doing the right thing and I deserve to have this matter resolved to reflect the truth. Im certain Im not the only one this has happened to. Large companies have the capability to sweep their wrong doings under a rug by neglecting or ignoring consumers. Ive been ignored long enough.
With gratitude, XXXX
|
11/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Re : Capital One Account Number XXXX acting agent and attorney-in-fact for XXXX XXXX, the true obligor/consumer/principal, I hereby dispute the billing practices associated with the current, past, and future CERTIFICATES OF INDEBTEDNESS hereinafter ( COI ) under this contract. I request that you rectify this error per The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).
Capital One Financial Corporation is hereby noticed that XXXX XXXX, the consumer/principal, shall not be construed as the surety, debtor, liability, guarantor, or accommodation party concerning any relationship with Capital One et al. XXXX XXXX has not, is not, and shall never be considered to have entered into a joint business venture with Capital One Financial Corporation or its agents and agencies as an undisclosed third-party investor, commercial business partner, or otherwise for Capital One Financial Corporation Mastercard Account Number XXXX. All presumptions of assent are now rebutted and rebuked.
The purported Debt is erroneous and invalid for all of the following reasons : ( 1 ) lack of consideration ; ( 2 ) lack of mutual assent between the parties ; ( 3 ) failure to fulfill any applicable statutory requirements ; and ( 4 ) any other applicable grounds.
I have endorsed the coupon and mailed it to the Capital One Payment Processing XXXX XXXX XXXXXXXX, NC XXXX on XX/XX/XXXX, and again on XX/XX/XXXX. Capital One failed to credit the account from the dividend payment they made from the Treasury coupon. UCC 3-603- Tender of Payment and UCC 3-604 - Discharge by Cancellation or Renunciation.
Capital One appears to be in the practice of securities fraud due to the following violations : 12 CFR 360.6 ( 2 ) Treatment of financial assets transferred in connection with a securitization or participation : The Claimant was entitled to be informed that his financial assets ( e.g., promissory note ) would be sold to the bank and that, as a result, the bank would acquire a bank asset, which would be offset by a corresponding bank liability. The Claimant was entitled to be notified that the financial institution would then exchange the promissory note for credit in the borrower 's transaction account. This indicates that the bank, or purported creditor, recorded the promissory note as a loan from the Claimant to the bank, resulting in the bank, or purported creditor, becoming the borrower.
17 CFR 260.11b ( 6 ) Self Liquidating Paper - It appears Capital One intentionally misrepresented and withheld relevant information about self-liquidating paper from the consumer to profit from the consumer 's credit card as defined in 15 USC 1602 ( l ) Credit Card-then deceiving and misleading the consumer into an unfair, unwise and uninformed loan agreement whereby the consumer would repay the money obtained from his credit card with interest, which the bank is legally obligated to return to the consumer.
Per 15 USC 1602 ( l ) Credit Card ( l ) [ The term credit card means any card, plate, coupon book or other credit device existing to obtain money, property, labor, or services on credit ] - It appears that Capital One has actual, implied, or apparent authority to utilize my credit card or open-end credit plan as a consumer, as outlined in 15 U.S.C. 1602 ( l ) Credit Card. I utilized his credit card to facilitate a purchase money loan, as defined by the Truth in Lending Act ( TILA ), wherein no cash was received in exchange for the use of the credit card, and no amount was credited to the principal account. In this consumer credit transaction, Capital One has received an unjustified financial benefit from the consumer, as no consideration has been provided in exchange for the use of the consumer 's credit card.
15 U.S.C. 1666 ( b ) Billing Errpr - Capital One is in direct violation for reporting late payments on my consumer credit report under an open-ended consumer credit plan ( an installment credit plan under the Truth in Lending Act ). Such reporting of late payments is prohibited under the aforementioned statute. Capital One did not have the authority to place a negative mark on a consumer report, as they lacked the capacity to agree in the first instance.
15 USC 1666d, Treatment of credit balances- Capital One failed to credit the principal account with the dividend payment, interest, and other relevant components resulting from the consumer 's security treasury coupon as mandated by the Electronic Transfer Act. Capital One shall be liable for failing to credit a consumer 's account with the dividend payment from the securities treasury coupon, as well as the interest earned from said coupon, as per the Electronic Transfer Act.
This will also serve as a notice of breach of fiduciary duty ( U.C.C. 3-307 ), as well as a violation of 17 CF 240.15c1-2 and 17 CFR 240.10b-5 The application made contained personal property in the form of estate information of the principal, which was subsequently deposited into Capital Ones account as a credit on their accounts receivable. Pursuant to 12 USC 1431, I behest the accounts receivable held in escrow for the principal to be credited to the accounts payable.
Faulire to return the unearned interest on the account as well as closing the account absent my exoress written permission places Capital One in viiolation of the following : 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty.
18 U.S. Code 1951 - Interference with commerce by threats or violence.
18 U.S.C. 793 - Gathering, transmitting, or losing defense information.
18 U.S. Code 1951 - The Hobbs Act.
26 U.S. Code 7201 - Attempt to evade or defeat tax.
Equal Credit Opportunity Act.
Consumer Credit Protection Act.
Federal Ethics Laws.
Since Capital One Financial Corporation is registered with the I.R.S, ( XXXX XXXX ), and licensed by the Secretary of State, it is subject to adhering to Corporate Governance Laws and Regulations, Federal Rules and Civil Procedures, the U.S. Securities and Exchange Commission, the Federal Trade Commission, the Financial Crimes Enforcement Network, the Federal Bureau of Investigation, the Internal Revenue Service, all applicable United States Codes and Statues at Large of the United States Corporation 28 USC 3002 ( 15 ).
Therefore, when Capital One Financial Corporation seemingly sold the security, promissory note, and/or credit application, and failed to distribute the funds to the consumer, in lawful money, and instead issued a coupon to me, known as checkbook money, unequivocal in amount, failed to honor the tender of payments, failed to return the unearned interest to the principal, and closed the account without authorization from the principal, Capital One Financial Corporation engaged in not only discrimination but what also appears to be a securities scheme and artifice, false advertising, false and deceptive trade practices, sabotage, a mockery of honest services misrepresentation and misappropriation of funds, breach of trust, identity theft, unlawful conversion, false advertisement, extortion, conspiracy, XXXX, false reporting on a public record, as well as several ethics violations to the detriment and loss to me, the consumer.
|
03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
What is this complaint about : Capital One closed my mileage credit card account because they say someone else called them to say the account was fraudulent. Their initial process was to verify my identity and then open a new account and transfer the mileage earned into that account. They now say they will not do either.
What kind of problem we are having : Capital One refuses to give us any information on their investigation and has not sent us any letter or documentation regarding the closing of the account.
What happened : They have closed my account and taken the XXXX miles I have earned.
Company : Capital One Venture Card Who are the people involved : Capital One fraud department and XXXX & XXXX XXXX.
Details : I applied for and received a Capital One Venture Mileage Card in XXXX, XXXX. They had a promotion whereby, if you purchased {$5000.00} or more within a 3 month period, you would receive XXXX bonus miles. I was approved and started using the card mid-XXXX. In XXXX I added my wife as an approved card holder.
We made 3 payments since the account was opened which can be seen with the attached statements : File : XX/XX/XXXX Statement. For the period XX/XX/XXXX through XX/XX/XXXX we made {$1000.00} in payments and XXXX miles.
File : XX/XX/XXXX Statement. For the period XX/XX/XXXX through XX/XX/XXXX we made {$5200.00} in payments and earned our XXXX bonus miles which gave us a total of XXXX miles.
File : XX/XX/XXXX Statement. For the period XX/XX/XXXX through XX/XX/XXXX we made {$890.00} in payments and a total of XXXX miles. Since the XXXX statement did not show mileage earned, we have attached a screenshot of our account as of XX/XX/XXXX showing the mileage and the amount owed. File : XXXX Statement Mileage.
On XX/XX/XXXX, I was going to make another payment but could not access our account. There was a message like : there is a problem with this account, try back later. Later that day the website showed th same message so I called customer service and was sent to the fraud department. They explained that someone, claiming to be me, had called and said the account was fraudulent and therefore Capital One closed the account as of XX/XX/XXXX.
After I explained that I had not requested the account to be closed, Capital One sent an email asking for documentation to prove that I was the owner of the account. Capital One stated that, once verified, they would open up a new account and the miles I had earned would be put in that account and new cards sent. Attached is a screenshot of the email to us. File : XX/XX/XXXX email from Capital One asking for documentation. CASE NUMBER : XXXX.
Rationale for closing account as stated in this call and the next 4 calls : They had a recording of someone, claiming to be me, saying this was a fraudulent account. They refused to let me hear this recording even after we had proved we were the owner of the account on XX/XX/XXXX.
They said that this person had enough information about me to get past their screening questions. They mentioned it could be identity theft but could not tell us for sure.
They said they had to, by law, close the account as fraudulent since I had requested it to be closed.
Further they stated that : They did not call or email the contact information on the account. When asked why, they stated they believed that everything on the account was fraudulent. In a later call they also stated that they did not need to contact me since I had closed the account.
They would not say what other investigations they had performed to determine the account was fraudulent. They could not explain why 3 payments would have been made on a fraudulent account.
A letter would be sent explaining their process, which has not been received to-date.
I have not received any communication from Capital One to-date.
On XX/XX/XXXX, I sent in the documentation that was requested to the secure link they gave us : Copy of my social security card front and back Copy of my drivers license front and back Copy of a bank statement showing my address Attached is a file of my letter that I sent in with the documentation. File : Fraud Letter.
On XX/XX/XXXX, I called the fraud department to make sure they had gotten the file since I had not gotten confirmation. After checking with fraud management, Capital One said they have the files and that it will take a couple of more days to get our account up and running.
On XX/XX/XXXX, I called the fraud department to get a status update since it had been longer than a couple of days. After checking with fraud management, Capital One said that the Fraud Investigation Team just needed to sign-off and said that would be in a couple of days. I asked to talk with them directly and was told that was not allowed but that I could request a call from them. I requested this call and was told the turn-around was 24-48 hours for the call back. I did not receive a call back.
On XX/XX/XXXX, I called the fraud department since it had been longer than 48 hours. I was re-directed to another part of the fraud department - to XXXX ( ID # XXXX ). She stated that the account was closed for good, that the miles I earned I would not get back, and that the {$2000.00} currently on the statement would be charged-back to the merchants. She stated that I did not have to pay the outstanding balance. In order to get a new account we would need to re-apply.
After a heated exchange where she would not transfer me to her manager or give me any information regarding their decision, I requested a call from her manager. She said she would request the call and to expect the call within 24-48 hours. We did not get a call. XXXX then hung up on us after my wife informed her she had been recording the last part of the conversation. Here is the recording : XXXX XXXX XXXX XXXX In this conversation we also made it clear that all charges on the statement were legitimate charges.
Also on XX/XX/XXXX after the above conversation, I decided to pay the outstanding balance so that Capital One would not chargeback merchants for legitimate charges I had made. File : Payment.
Note : I was able to access my account online after XX/XX/XXXX. The card was being declined but I still had access to statements and payment options which seemed odd for a fraudulent account. As I stated earlier, I made a payment to clear the account.
On XX/XX/XXXX, I received a letter from XXXX stating that Capital One had initiated a fraud alert. They letter was dated XX/XX/XXXX. The letter stated : Re : CAPITAL ONE BANK USE NA, XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX PH : XXXX We want to make you aware that the above company obtained your credit report in what was deemed a fraudulent application. As a result, XXXX has deleted the inquiry from your credit report.
I called XXXX and placed a fraud alert on our credit report and they were notifying the other 2 reporting companies.
Resolution : I feel we have been defrauded by the loss of the XXXX miles. It seems clear to me that Capital One is lying about the reasons the account was closed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX
|
05/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
I KNOW THIS IS LONG VERY SORRY BUT PLEASE READ IT I COULD NOT MAKE IT SHORTER!! Thank you Fraudulent activity on all 3 my credit reports from the three main CRAs .Fraudulent activities involve transactions made between XXXX and XXXX during that period of the I was not living in the USA was in XXXX XXXX - XXXX, XXXX XXXX, returning to XXXX XXXX in XXXX after a few months traveling around the USA by car until I settled in XXXXXXXX XXXX apparently in XXXX XXXX then moved to XXXX XXXXXXXX XXXX where I currently live after purchasing a condo. I live with my current girlfriend of approximately three years. I did extensive traveling while living outside the USA I moved to XXXX with my the woman I was involved with from XXXX till XXXX she was a XXXX citizen who I met while she was visiting a family of hers who was also a friend of mine. I left the USA while involved in a horrific divorce from a mentaly in women with a long history of involuntary XXXX XXXX due to XXXX XXXXXXXX caused by her XXXX XXXX causing her to be a danger to self and others she had been diagnosed with XXXX XXXX with XXXX XXXX approximately 20 years prior. She became not completely with treatment and her behavior deteriorated to the point it was dangerous for me to be anywhere she could find me. The issue of my safety and that of my girlfriend was a very substantial factor in our choice to move to XXXX in XXXX where we stayed until XXXX. We moved to XXXX XXXX in XXXX and I returned to the USA in XXXX. Unfortunately I have almost no paperwork related to my time in XXXX primarily because I was truly hiding from my exwife she is a dangerous person and I had no clue what she was willing to do to harm me or worse and technically a USA citizen is not allowed to travel to XXXX or lived however enforcement is week. However as a citizen of a USA the XXXX government does not allow USA citizens to travel and live there for any extended period of time which is why I had to move yet again in XXXX relocating to XXXX. My relationship with my girlfriend at the time was in decline she had started the process to obtain a visa to come back to the USA with me in XXXX for her and the young daughter we could not legally obtain the documents required the relationship ended. It was time I came home my kids started having kids. While I lived outside the USA I returned a few times for short visits for major family gatherings. My children have no relationship with me ex wife so that was not an issue. My divorce paperwork states separated on or about XXXX of XXXX divorced in XXXX of XXXX will provide copy. I actually left my ex in XXXX living the marital residence where she remained until the house was sold in XXXX I will provide paperwork. I will also provide paperwork to support the above statement. Unfortunately it really begins after I moved from XXXX to XXXX, No banking information because both countries have no banking treaty with the USA. I have a lease from XXXX also paperwork related to the purchase of a home by an American in XXXX a document requesting long term residency which was required to open a business and become after being there well beyond the legal limit I need paperwork to allow me to say it was a the point the local cops who I was friendly with knew my name on sight. I have some of my girlfriends paperwork from XXXX still in XXXX that she provided to homeland to begin the process of obtaining a long term visa to return with me to the USA before we moved to XXXX. I have tried several times to get the negative ideas of my 3 credit reports and failed, this is not the first time I am filing out this exact paperwork and failed, I have contacted the last 3 creditor on my credit report both by mail and on the phone dozens of times and failed, I have reported this and obtained documents from the ftc several times most recently on XX/XX/XXXX that reported I will also include it was mailed to the 3 creditors with all other paperwork the ftc provided and that failed. The same information was sent to all three credit agencies and that failed. I am beyond frustrated. What I recently learned was why I cant fix this and I need help to get this fixed. I will send you what I think is enough for you to assist me if you need anything else please let me know and I will do my best to provide it. The issue seems to have been created by two things the fact that I was living outside the USA in countries without banking treaties so I personally disappeared from the credit market in the XXXX. My ex continued at the marital residence until it was sold, she did move off for a short period to XXXX XXXX but returned I think because she was facing eviction. Her living in that house which still has the landline phone service I opened in XXXX when I purchased and moved into the house my lawyer told me I could not disconnect the phone after I moved out because it would seem like harassment. That cause my exwife to be able to assume my credit identity fraudulently. And the same situation is preventing my from getting my credit repair. Simply I start the complaint process with a credit card company or credit agency they basically look at 3 things phone contact information and address are two she was in control of both The third is if payment were being made and they were at first this shocked and confused me until I realized why. My ex wife is nuts but extremely smart, it is my belief that by making small payments and keeping the balances in control when she opened the credit lines she was able to build up the credit history which allowed her to build the credit limits in one case to {$5000.00}. In XXXX when the house was sold she then maxed out the credit lines and stopped paying. If you look a my credit history on all 3 reports it also supports the above statement. My history is perfect until XXXX and after XXXX when the house was sold. I have requested information by phone and in writing from all 3 creditors and they refuse to provide it I have been told basically the same thing by all three. You have protested this many times and lost the accounts are so old they have been written off and sold so long ago its to difficult to provide any information and that included who currently actually had the debt. This both seems crazy as I try to get information in my efforts to ger this fixed. How can I deal with this problem without so much as information about when and where the account was actually open plus no information about what was preceded where and when. Ridiculous and I violation of my rights under the fair credit acts. Also this letter seems like Im insane but unfortunately its what happened please really take the time to review what I said and the paperwork Im including. Im going to attach one document when I submit this and then update my file to send the rest I just need a break and yesterday at this point I tried to save it finish later and loss everything I wrote. I am also sending some information in it originally form and with a certified translation of the documents because I have to have them for the appropriate government agencies in the country I lived
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09/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Back in XX/XX/XXXX or XX/XX/XXXX I called Capital One to see if they had any hardship programs that I might qualify for because I was unable to make my monthly minimum payment due to a medical issue I am suffering. They transferred me to a special department and the woman I talked to found a program for me. As it was explained to me what would happen was Capital One would stop charging any late fees on both my cards as long as I paid the agreed upon amount each month by the 4th Wednesday of every month which is when I receive my XXXX check. She asked me how much could I afford and I told her $XXXX on each of the cards. I asked about getting the interest rate reduced and she explained that they did not have a program at that time that would allow her to do that. So I asked her to go over how the program she was offering me was going to work. It is very important to keep in mind that she kept referring to this arrangement as the “program” that I qualified for. How it was explained was that as long as I paid $XXXX per month on each of my two cards Capital One would not charge any late fees and I would stay on the program until I brought the accounts current. If I missed any payments the program would automatically end. I agreed to this and then was told she would send the paperwork explaining to program to me via mail. I paid the first month and when I went to make the next payment I noticed that the accounts were charged a late fee so I called around XX/XX/XXXX and explained to the customer service rep that I was on a hardship program in which no late fees were to be charged as long as I stuck to the agreed upon payments. She looked at the accounts and told me I see you talked to whatever the dept was that handled the hardship program and told me I was right she was sorry and that the late fees would be removed and that was done. When I made the next payment I did verify that indeed they had removed the late charges. I made my payments for that month thus honoring the program agreement I entered into with Capital One. When I went to make the XX/XX/XXXX payment I noticed that Capital One had been reporting to the credit bureus every month that my cards were behind by this time in XX/XX/XXXX they had reported it as being something like 4 months behind. I called to question why they were reporting as late when I have honored my program agreement with them and paid the agreed upon payment of $XXXX on each card. That’s when the scam came out. I was told that the “program” I am on doesn’t stop the late reporting because I am not paying enough to meet the monthly minimum required payment so legally they had to report it as late. My argument was we entered into an agreement which made my minimum due the $XXXX and I have been paying this so it is not late. She said just because I agreed to pay $XXXX to stop any negative reporting I had to pay whatever the required minimum would have beeen. So I asked her what’s the point of the “program” all I’m doing at this is paying CapitalOne to ruin my credit. In order to be put on the program I had to come up with a guaranteed amount that I would pay every month which I did that was their to opportunity to properly explain that the amount I chose was not going to be enough to prevent negative credit reporting but they didn’t even say one word about that. After I agreed to the program the woman told me that paper work explaining the program would be mailed to me. So at this point I am on a hardship program as long as the payments are made per our agreement I would stay on the program and no late fees would be charged. I still did not agree with the way they are reporting the accounts to the credit bureau so I asked to speak to a supervisor. This was yesterday XX/XX/XXXX and I was transferred to some guy named XXXX or XXXX and here’s where it really gets good. This guy tells me I’m not on any program and never have been yet every other person I talked to said I was on a program. I received some sort of documentation from Capital One about my program. What the XXXX happened to that agreement from the time that the customer rep transfered me to the supervisor and him getting on the phone. What XXXX. Every single person I talked to always referenced this hardship agreement as the “program” I am currently on except this guy he tells me it never existed there never was a program. As far as reporting to the credit bureau we’re doing everything legally obligated to do and we can’t do anything about that besides your currently not on any program. I explained I’m calling because I want to pay my debt but don’t cheat me. So he proceeds to see if I qualify for any “programs” and of course the answer is no so again I asked what about the program I’m on. Again he said your not on any program and when I questioned why was I sent information about my program if I’m not on One his response was exactly what did u get and when did I get it. I’m like I’m XXXX that packet and the exact date I received it is not at the top my priority list right now but you seem to have everything else on your computer so you should have that. I explained to him I called about getting on a program because I used the cards and I owe you the money I want pay it back. I’m just asking you to work with me. Then he proceeds to tell me that if l don’t pay $XXXX by XX/XX/XXXX on one account and $XXXX on the other by XX/XX/XXXX the accounts will be blocked and they would closed out and they would charge them off. This was a whole new level of the scam because none this was ever even mentioned when I entered into the hardship program. And the reason for that was that’s a different department they don’t do programs and they really don’t know this stuff. Are you XXXX kidding me. If these people don’t understand what the consequences are for a customer if an account gets a certain number of days past due they absolutely have no business entering into any hardship programs. Because look where Capital One has left me now 25 days to come up with money or the accounts are closed ruining my credit even more than they already have. It is bad enough that they conduct business this way but the worst and most appalling thing is if I had not called to question the credit reporting a month from now I would have gotten a letter stating my accounts have been closed even though as far as I was told it’s all good your on a program as long as you pay $XXXX every month until the account is brought up to date. At that point you fall off the program and go back to business as usual. Even worse I told them work with me I want to pay my debt their response if you don’t pay those amounts by the dates given we’re closing the accounts and charging them off. How fiscally irresponsible is that. No wonder credit card interest rates are so high instead of working with honest people who want to pay back their debts they would rather close the accounts and charge the money off and move on In my case they even apparently made up this whole program I was in and basically charged me to ruin my credit and then we’ll just charge the money off anyway.
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02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Pre XX/XX/XXXX Pre credit card application Researched to the best of my knowledge and called capital credit card new application department on multiple occasion to understand the introductory promotion advertised on https : //www.capitalone.com/ ( same is advertised still on XX/XX/XXXX ) The promotions in question are : 0 % APR on purchases for 15 months and 0 % APR on balance transfer for 15moths. https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ I checked with multiple new application specialists to make sure that once I am approved for the Savor One credit card, that I would get the two promotions. The agents collectively confirmed that yes, these are the promotion I would get if I am approved for the card. ( I called again XX/XX/XXXX at the time of this complaint to see if it is still the case, new application agent tells you the same thing and asks if you would like to apply today ) XX/XX/XXXX Credit card application Since it had been a few days, I checked again with the customer service agent for the promotion to make sure that the 0 % APR on purchases for 15 months and 0 % APR on balance transfer for 15moths was still available. I was confirmed that the promotion was still available once I am approved for the Savor One credit card. Instead of going through the 3rd party website, I made sure to apply from the capital one credit card application page with the said promotion advertised and clicked " apply now '' button to appy. The Application term on the application page states the same promotion.
https : //www.capitalone.com/credit-cards/savorone-dining-rewards/ between XXXX I spoke with the existing account agents about other issues ( capital one had printed a wrong middle name on my new credit card ) and discussed about the promo 0 % APR on purchases for 15 months and 0 % APR on balance transfer casually as part of a small talk. I recall the agent telling me yea, take advantage of that offer yea about the 0 % balance transfer. I was told to give it a few days for a balance transfer as the promo doesnt quite kick in right way. I was never informed that promotion they advertised to get me sign up was not given to me after I applied for the credit card. ( I believed the 0 % offer was attached to my new credit card account.
From XX/XX/XXXX until XX/XX/XXXX I purposely choose to spend my purchases on this new Savor Once card to take advantage of the promotion. 0 % APR on purchases for 15 months and 0 % APR on balance transfer for 15moths. I pent about {$1000.00} on the card believeing that my APR was 0 % for 15month ( as there was never any information that I was never awarded the promotinon ).
XX/XX/XXXX Since I was told to give it a few days before I make the balance transfer I waited to make a balance transfer. On XX/XX/XXXX I called to make a balance transfer of about {$5000.00}, I was informed that I dont have any promotion on my account. that I am charged an interest of 19.74 % for purchases and balance transfer that no 0 % promo was attached to my account. the agent informed me that sometimes some people dont get the promotion. I asked what is sometimes when it is the advertised promotion to get new client to sign up for the card. To that the agent responded I dont know My call was escalated to a supervisor. She couldnt handle it so I was told to call back the next morning. I called back the next morning. Spoke with an agent, who couldnt help me so I was escalated again. the supervisor of new application came on and informed me that 1 ) he sees no promotion on my account 2 ) he doesnt know if the promotion is given to all approved new credit card customer or not 3 ) he doesnt knot the criteria if any for not getting the promo advertised. I was told he had submitted the back office investigation request that he will call me back after 5 or so days.
XX/XX/XXXX I called again to the new application line to check what is informed. The agents confirmed that the promotion : 0 % APR on purchases for 15 months and 0 % APR on balance transfer is given to a customer once the customer is approved for the savor one credit card.
I confirmed, that everyone who is approved today for the savor one credit card gets this promotion. The agent confirmed yes.
My call was escalated to the escalation department senior account supervisor. She informed me that the back office investigation is actually already done and completed. She confirmed that I dont get the promotion. I explained what is advertised online, what the agents are advertising today, and that no one informed me that the promo they mentioned was not given to me. The agent went online and read through the small prints as best as she could with me and she was puzzled as well that there was no small print that she could see stating that 0 % APR on purchases for 15 months and 0 % APR on balance transfer promo MAY or MAY not be given out XX/XX/XXXX Received a call from a supervisor about my request to investigate on the promo terms. He stated " the back office came back and said that there is no promo for your account '' I asked the reason why to this he answered, " I don't know. '' I asked when anyone applies today, capital one agents will tell you " you will receive the promo '' and yet after you apply for the credit card capital one will tell you that " you didn't get it. '' To this the supervisor responded " I understand they may tell you that when you apply but you don't get it '' I asked to have someone else resolve or at least explain why the promotino is falsely advertised and why the promotion is not given in my case. The supervisor responded " There is no one else you can talk to '' I asked to speak to the back office, leagl department, customer complaint or anybody who can answer my question, but the supervisor said " there is no one above me. we dont have legal department, there is no other phone number you can call maam '' I applied for this credit card because of this promotion advertised for 0 % APR on purchases for 15 months and 0 % APR on balance transfer. I made a choice based on the promotion. There are 3 to 4 landing page within capital one credit card website and all of them states that this is the promo you get if you are apply, every single page has 0 % APR on purchases for 15 months and 0 % APR on balance transfer and apply now button. There is no small prints or discretion about it " may or may not be given out '' anywhere. Also over the phone agents confirms multiple times that you will get this 0 % APR on purchases for 15 months and 0 % APR on balance transfer if you apply and get approved for the savor one credit card today would you like to apply?
capital one employee can not explain why the promo is advertised and no given " sometimes '' and I am left with no assistance. I question this alleged false advertisement on capital one website. If this is done intentionally, it is fraudulent. If it not done intentionally I request to have the promotion as advertise award to my account immediately before I incur unexpected interest.
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11/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
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My name is XXXX XXXX and I live with my husband XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Texas. I received a credit card statement from XXXX on XX/XX/XXXX that said we owed {$240.00} for credit card charges made at XXXX different stores in the greater XXXX area on XX/XX/XXXX and XX/XX/XXXX. We do not have a credit card account at XXXX so we realized my identity had been stolen. I called the XXXX customer service phone number on XX/XX/XXXX and spoke with XXXX who redirected me to an account rep at XXXX XXXX. I explained to XXXX at XXXX that these were fraudulent charges opened by someone with my personal information. XXXX acknowledged these were the result of identity theft and said we were not responsible for the charges and the account would be closed. I have included copies of the XXXX statement and XXXX written response with this submission.
After that call we went to the Federal Trade Commission Identity Theft website and recorded the fraud event. The FTC file number is XXXX. We also went to all three credit bureaus and put a freeze on my credit. That freeze is still on today.
On XX/XX/XXXX we received a letter in the mail from XXXX XXXX stating XXXX & XXXX had received a credit application and was asking us to confirm the information on the application. I immediately called XXXX XXXX to tell them we did not make an application to XXXX & XXXX and that the request was a result of identity theft. XXXX rep XXXX cancelled the application. A copy of the XXXX letter with our notes on the conversation are included with our submission.
On XX/XX/XXXX we received a statement in the mail from SaksXXXX and CapitalOne bank for charges made on XX/XX/XXXX in XXXX, Texas totaling {$350.00}. I immediately called CapitalOne and spoke with XXXX to report this as fraud. XXXX said the account would be closed.
On XX/XX/XXXX we received a letter in the mail from CapitalOne stating that we were responsible for the charges because we opened and interacted with the account. I immediately called CapitalOne and spoke to XXXX to refute their claim that we opened the account. She said we need to fill out forms to verify our position. We received those forms in the mail, completed them as requested and had them notarized as instructed. I mailed to CapitalOne on XX/XX/XXXX.
Sometime after XX/XX/XXXX ( the end of CapitalOnes billing period ) we received a past due notice and statement with interest and fee charges. I called and spoke with XXXX in CapitalOnes fraud group to again state that this is identity theft.
On XX/XX/XXXX we received a letter and another statement from CapitalOne. The letter stated that CapitalOne had discovered information that lead them to believe I or another account user benefitted from the transactions. Again they stated that we opened and interacted with this account. I called XXXX with CapitalOne and she transferred me to XXXX a fraud supervisor with CapitalOne. We discussed my notification of the FTC and also that we had placed a freeze on our credit. XXXX requested and I emailed copies of our XXXX communication and letters regarding the XXXX and XXXX fraud events.
On or around XXXX we received another statement. My husband called CapitalOne to discuss this issue but they refused to speak with him because he was not the account holder. So my husband and I together placed a call to CapitalOne on XXXX. We first spoke with XXXX at CapitalOne and she acknowledged and confirmed my permission to allow my husband to speak on my account. My husband went through the entire history of reporting this fraud issue with CapitalOne including the information we sent at their request and the notarized affidavit that I completed. XXXX said she could not resolve the issue so she transferred us to XXXX, a CapitalOne Fraud Specialist. My husband went through the entire history again only to be told by XXXX that she could not clear up the situation so she transferred us to XXXX. Before my husband got too far in to the history XXXX advised that he was in the Offshore department so he transferred us to XXXX in the Onshore Fraud department. After another explanation of the history to XXXX he advised that he could not resolve the issue and was transferring us to XXXX, a Fraud Recovery Specialist.
My husband went through the entire history again with XXXX XXXX and all the conversations were recorded by CapitalOne so our story can be verified ). After reviewing whatever data was available to her XXXX stated that the findings of CapitalOne indicated that someone used my cellphone on XX/XX/XXXX to activate the XXXXfirst cards that were mailed to us and that someone in our family appeared to have benefitted from the account. We corrected her and let her know that we never received any credit cards from XXXXfirst in the mail. And the phone call she claims we made on XX/XX/XXXX to activate the cards was actually the call I made on that date to report the fraudulent case. I reminded her of the conversation I had with XXXX of CapitalOne on that date and she should be able to pull up the notes from that conversation to verify the discussion. To our great surprise XXXX said that CapitalOne doesnt keep records of those calls. It seems irresponsible that a major bank would not have adequate records regarding transactions with customers. XXXX did say they have a recording of those conversations and she was going to review those conversations to verify our story. We also informed XXXX their accusation that family members may have used the card was incorrect since all XXXX of our children are grown and live in other cities. We have no other family members in the greater XXXX area.
My husband reminded XXXX that Federal Regulation E provides consumers protection against identity theft and fraud and that CapitalOne was not upholding their obligation to comply with that regulation. He also informed her that we would be filing a complaint with the Consumer Financial Protection Bureau against CapitalOne.
As of the writing of this letter of complaint to the CFPB my credit rating has declined significantly due to the CapitalOne charges and fees and interest charges that are accruing. You should be able to access our credit rating where you will see that we have always maintained a good credit rating. You would also see that we have had no consumer credit cards other than XXXX XXXX for at least 10 years. And our XXXX XXXX credit account has been maintained in good standing for the many years weve had the account.
I feel very helpless and fearful over this act of fraud. We were encouraged when XXXX and XXXX handled the fraudulent events with fairness and diligence. We are extremely disappointed that a major bank like CapitalOne would make unfounded accusations in spite of the information we have shared and sent to them. We are hopeful that your Bureau will be able to resolve this issue and restore our credit rating to its previous standing.
Please feel free to call me ( XXXX ) or my husband ( XXXX ) anytime to discuss this matter. Thank you for you help.
|
01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
..
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX XXXX # XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : ( XXXX State ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( XXXX State ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
|
03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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On XX/XX/XXXX, I went into online banking to submit a payment for my capital one card. Somehow they received the incorrect account number that is completely different from my account information that has been on file for auto pay for the last few years. I also submitted a payment on my wife 's menards capital one card the same day which has a completely separate login and set up a payment on that account as well. My bank called my informing me that they were going to return those payments as they were seeing an invalid account #. I understood this and they said they were going to send those payments back to Capital One. Both payments returned on XX/XX/2022.
My Wifes Capital One Card Menards card ( I am an authorised user ) : On XX/XX/XXXX, I submitted a payment on my wife 's capital on card and updated the bank account to make sure I entered the correct information. On XX/XX/XXXX, that payment came back as invalid account again even though I submitted the correct bank account information.On XX/XX/XXXX I called capital one and let them know what was going on and at this point they were reporting past due on our credit. I understood there was a process to take to try and resolve the matter so I set up a payment with them over the phone so that there would be a recording with the correct bank information. They were informing me that I was submitting the wrong information online. This payment also came back on invalid account on XX/XX/XXXX. Since XX/XX/XXXX, I have received late charges, interest charges and was reporting over 30 days past due.
My Capital One Cards : I was originally set up for recurring ach on both of my capital one cards. The {$300.00} that I set up on XX/XX/XXXX was an additional payment and would have been just a principal payment. I was under the assumption that I was still on auto pay with my bank account that I have been used for the past 3 years. They cancelled my auto pay with both my capital one cards that I anticipated would go through on XX/XX/2022. I didn't know they cancelled the auto pay. On XX/XX/XXXX I set up a payment for {$81.00} with them on the phone verbally for one of my cards and a set up a payment with there website with the other card for {$140.00} to withdrawal on XX/XX/2022 with my account that I have on file which is my correct bank account. On XX/XX/XXXX the {$81.00} was returned. On XX/XX/XXXX the {$140.00} was returned. I have received late charges, and interest charges on these accounts. Some late charges have been waived but not all charges have been waived.
Important Conversations1 : 2 hour phone call. On XX/XX/XXXX, I spoke with multiple representatives. First in regards to my XXXX capital one cards, in which they had me set up payments for one of the cards. The amount for that card wa {$890.00}. They then needed to transfer me to a Senior Account Specialist for my wifes card. The representative was looking into why the payments were coming back. He had to do a zoom with someone and put me on hold. He came back on the line and informed me that they had flagged my bank account as an invalid account and that I needed my bank to send a fax to them in order for me to be able use my bank account with them. I did a XXXX way call with my bank on the line and my bank took down the information to fax to and sent it right away. The representative from capital one let me know that the payments that I had set up after XX/XX/XXXX including the payments that I had set up earlier on the same call would come back as invalid until they unflagged the account. There was nothing I could do about the payment that I had set up on my capital one card earlier as it was already in process. I was told that it could take up to 14 days for them to validate my bank account and to just check back in sometime to see if I could use my bank account again. They provided no follow up call or who I should call. I received notification vial email from capital one on XX/XX/2022 stating that I had a document ready for viewing. I opened up the document and downloaded it. It stated that they verified my bank account information was valid and I could start using the account again.
Important Conversation 2 : I called Capital One on XX/XX/2022, spoke with someone about my cards, he had no idea as to any issue with the cards. I provided him with my investigation number that was on the letter and he sent me to a Senior Account Manager XXXX. XXXX researched my account and only recognized an investigation on 1 of my cards not on my other card or my wifes card. I had to repeat all information. XXXX confirmed that my bank account that was a valid bank account was flagged and shouldn't have been, however now according to her records my bank was sending the payments bank even though they were providing the correct information. I informed her that was not correct. I actually received documentation from my bank account with the account # they are sending to my bank and it is incorrect even though I provided them with the correct #. She said because this is not their error ( although it really is ) they can't do anything about it. I stated, you removed my bank account that was set up on recurring payments and flagged an account that was a good bank account as an invalid account. She confirmed that and stated that should not have happened and apologized but they couldn ; t do anything about it. She stated that I needed to get my bank back on the line to confirm the bank account information when sending to them was correct. I let her know that I would be able to get my bank on the line to do this on XX/XX/2022 at noon. I set up 3 payments with capital one verbally for all 3 accounts since I got the letter stating I could use my bank account again. I checked my bank account and all 3 payments had gone through.
Important Conversation 3 : Capital one called and got my bank on a 3 way call. We verified the information coming to my bank was different then the information provided from capital one. Capital one claimed they are sending information with the correct account and my bank is telling them that they are sending a different account number. They ask if my bank did a merger, my bank says no. They conclude without any resolution. I confirm with capital one that I provided the correct account information. They stated that was correct. I confirmed again that they flagged my correct account as an invalid account not allowing me to make payments with that account. They said yes that is correct. I confirm that they are not going to work on the investigation further and not correct my credit bureau reporting past due or waive any fees. They said yes. They recommend me to send a letter to their credit dispute department and provided me with an address to send it to. I am unable to call or email this information. I take down the information and am going to send a dispute for all 3 cards. I am also going to go directly to all 3 credit bureaus and dispute this information as well. There was no resolution on this call.
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03/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I opened a Capital One Credit Card in XX/XX/XXXX, at the time of opening the card there was an erroneous collection on my account and charge off that was due to fraud. Late XXXX I removed these charges permanently off my credit card my credit instantly rose to XXXX.
I added my husband as an authorized user as soon as I opened the card and Capital One seamed you be very interested in who he was to me. With my new high credit score I applied to get an increase with my credit limit and was consistently denied, I applied for a new credit card with capital one I was also denied because I had such a low limit and I was spending so much money each month I exhausted all of my credit utilization and my score dropped. Capital One continued to give me bogus reasons why they were denying me, but I believe it to be caused by my sexuality.
In their denial letters they left empty bullet points as if they were going to add all of the reasons later. I complained multiple times with Capital Ones customer service and flat out accused them of biais starting in XXXX of XXXX. I spoke to an escalation department representative in the beginning of the fall sometime and she promised me she would do something to increase my limit.
In the fall of XXXX, I was harassed by Capital One to sign up for a supposedly pre-approved Savor card. I assumed this was resultant of my efforts with the escalation department however the card was not the credit card I was hoping for in terms of rewards.
Capital One sent me multiple pet approved offer letters, multiple emails and finally put a non removable banner advertisement for the preapproved card offer on my capital one mobile app. I could not escape it and would see every time I went in to make a payment or check my account daily. I called to inquire with the representative about the card and I was told that my Quicksilver card would be upgraded if I accepted their preapproved offer which was based on my previous quick silver application and stellar payment history. I hadnt upgraded the card previously because I thought I should be eligible for a more superior venture card.
I finally decided to accept their preapproved offer and immediately got an inquiry on my credit report, I called Capital One immediately and asked why I received an inquiry on my credit report as I thought I was upgrading my current account. They explained to me that I had inadvertently signed up for a brand new credit card account. I was not happy about this, because of the new inquiry my credit score went down, however I was happy to have a credit card with a high balance that I could use regularly without hurting my credit score because of high utilization due to the extremely low balance.
I was approved for their Savor credit card, which was very confusing to me because I thought I was already pre-approved. I started using the card immediately. I placed several transactions on the card and was even sent the card in the mail and a pre-approval approval email which solidified their express and or implied contract.
A few days after Capital Ones approval of their pre-approval Capital One said that they needed me to submit my IRS tax transcripts because they needed to verify suspicious transactions on my account I ask the representatives many times why an IRS transcript is needed to verify suspicious transactions, I told him I was willing to submit my passport, my marriage certificate, my husbands passport and both our birth certificates however Capital One wanted said they needed these items to verify suspicious transactions on my account. I have tried for months sending Capital One certified letters with legal threats as well as emails and calls to every department in Capital One. In XXXX Capital One closed my account without giving me any reason.
It is my belief that I am being denied because of the authorized user on my account because my husband is an immigrant with a fresh SSN and little credit history and because we are a XXXX couple. Even if a company representative didnt directly make these decisions a computer systems may have. Capital One openly admits using machine learning and artificial intelligence in these decision algorithms. They use very same algorithms as the XXXXXXXX XXXX XXXX used in the recent scandal. XXXXXXXX XXXX XXXX gave XXXX own co-founder XXXX XXXX a credit limit 10 times more than his wife who had a better score while it gave other husbands who also made complaints complaints 20-40 times credit than their wives.
XXXX : XXXX A survey by XXXX showed that 62 % of XXXX people have experienced difficulties get approved for a credit card or a loan because of their XXXX status. This is despite the fact that XXXX people make more money on average than heterosexuals, have higher credit scores, and are less risky financially overall than heterosexuals. XXXX people also get charged a higher interest rate. XXXX borrowers are 73 percent more likely to be denied mortgage according to research despite being less risky overall, same-sex borrowers are less likely to get a mortgage. When they are approved, they face higher interest.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Capital one has violated their own express/implied contract by reengaging their pre-approved offer after offer, acceptance and consideration. I made purchases on the card, they sent me the card and then the took the card away the card until I had the IRS verify my income. If IRS transcripts could be requested after the fact there should have been some notification. Capital One has refused to disclose the reason for their obvious income verification in recorded telephone conversations and when pressured on these reasons they have changed the narrative that they need the IRS tax transcripts to verify suspicions transactions. I have recordings of their representatives saying this. This is implausible because the only IRS tax transcripts available would be from XXXX which I didnt have the card until XX/XX/XXXX and even if I had the card in XXXX I doubt I deducted my suspicious XXXXXXXX XXXX XXXX transaction. Capital One has violated Equal Opportunity Credit Act by not giving me a reason for my after the fact retroactive denial and breach of implied/express contract within 30-60 days as prescribed by law. Capital One is also violating 15 U.S. Code 1637 in regards to disclosure and major changes to an agreement in ( i ) 2. Capital One also violates regulation Z in addition to clearly falsely advertising a pre-approved credit card that clearly needs to be approved and is not pre-approved. It also appears that when the card is pre-approved and then is finally approved which I thought already happened its still actually not approved and can be rescinded at any waking moment for any undisclosed reason. This is utter XXXX. My credit score has dropped tremendously because of Capital One and I have suffered so many issues from not being able to rent the apartment I want to lost real estate investments.
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09/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To the Transaction Fraud Support Center, Case Number : XXXX In response to your letter dated XX/XX/2023, I present you with the following compelling evidence regarding the fraudulent charge placed on my credit card by the Taxi Driver. I request your thorough investigation and prompt resolution of this matter.
XXXX. DetailedAccountoftheIncident : DuringmyvacationinXXXXfrom Wednesday, XX/XX/XXXX to Monday, XX/XX/XXXX, I experienced the fraudulent charge in question. On XX/XX/XXXX, my sister and I concluded a boat tour around XXXX XXXX local time. Since there were no available XXXX services at the disembarkation point, we hailed a taxi with a green light on the top of the vehicle indicating it was open to passengers to take us back to our hotel.
XXXX. TaxiDriver'sDeceptiveActions : Thetaxicabweencounteredstatedthatonly credit cards were accepted and would accept NO CASH which we didnt initially think was a problem. But clearly, he was setting us up for fraud from the moment he picked up 2 American female tourists. Additionally, when the driver dropped us off, he intentionally drove past the hotel and stopped several buildings down, across the street, potentially to avoid surveillance cameras or being identified by hotel staff.
3. UnusualPaymentProcedure : AtnopointduringtheridewasIinformedthat the taxi driver would not be using a conventional passenger swipe or touch- pay machine. To my surprise, I arrived at the hotel approximately 10-15 minutes later and realized that the driver was not using a typical payment terminal. Instead, he demanded that I give him my credit card and proceeded to charge us. The cost that was shown to me on his phone was XXXX Euros, I added a XXXX XXXX tip, totaling XXXX Euros. The driver swiped the credit card using a 'XXXX XXXX attachment on his cell phone, and he returned the card to me after the transaction. Being in a foreign country, we didnt know whether this was standard practice or not. As my sister and I began walking across the street, the Capital One payment alert on my phone indicated an unauthorized charge of {$950.00}, which brought this fraudulent activity to my attention.
4. LackofSignatureVerification : ItisessentialtonotethatIwasneither requested to sign any document nor did I sign anything during this transaction. The forged signature on the fabricated receipt you provided to me by the catering company does not match my actual signature, which I have provided as evidence by including a copy of my passport signature page. Additionally, the driver did not provide me with a receipt, as I have always relied on notifications from my credit card company as proof of payment.
5. SwiftReportingtoCapitalOne : UponreceivingthefraudalertfromCapital One, I immediately contacted their Fraud phone number, and the conversation was recorded. The representative advised me to cancel the card, but since I was in XXXX, they said Capital One couldn't deliver a new card anywhere out of the USA. Since I needed to continue to use my credit card, Capital One instructed me to lock the card using the mobile app, which I did immediately. The representative further advised me to cancel the card upon returning home, assuring me that a replacement card would be sent. Additionally, they indicated that I would be able to easily address this fraudulent charge once I was back in the USA.
6. InexplicableResponsefromCapitalOne : However, Iamdeeplydisappointed that when I contacted Capital Ones Fraud Department to request the cancellation of the compromised card and the issuance of a new one, I was inexplicably told that it was not recommended. This contradicts all logical reasoning, as the card has already been compromised, and replacing it is the standard course of action in such situations. Additionally, the representative told me that they had a legitimate signed receipt of the charges and that it was my word against theirs. I had to call Customer Service Fraud a second time days later to find a representative who canceled my card and sent me a new one.
7. SupportingEvidence : Tostrengthenmycase, Ihaveattachedthefollowing supporting evidence for your consideration : Itinerary : A detailed itinerary clearly indicating my presence solely in XXXX during the mentioned dates.
Time-Stamped Photos : Photographs of my sister and me on the boat ride in XXXX, which demonstrate our location until XXXXXXXX XXXX not ordering catering from a foreign country.
Cell Phone Call Record : A record of my phone calls on the specific date, confirming my presence in XXXX.
Explanations to Disprove the Fraudulent Charge : I would like to reiterate the following crucial points, which eliminate any possibility of my involvement in the fraudulent charge : I did not make any purchases in or from anyone/company in XXXX, and there is no legitimate reason for such a transaction to appear on my card.
I did not sign any credit statements, especially not in a language other than my native language which is XXXX. The receipt you have has a fraudulent signature. I have provided a copy of my passport signature, which I have provided as evidence.
I have no acquaintances or connections in XXXX, and I have never visited the country.
I have no personal connections in XXXX, further negating any involvement in the fraudulent charge.
I have no need for catering, I had no events that would necessitate ordering catering in XXXX.
I would never sign an agreement not in XXXX.
In addition, in the document you sent to me called disputed transaction from the vendor, the last paragraph refers to me as his card. It is clear that this vendor was receiving payment from a male, not from me a female.
1. LogicalInconsistency : Consideringthecircumstancessurroundingtheincident, it is inconceivable that a mere 10-15 minute taxi ride in XXXX, XXXX, between a boat ride on the XXXX XXXX and my hotel room, could result in a catering event in XXXX, amounting to an additional {$950.00}. This absurdity further supports the claim of fraudulent activity. I called Capitol One immediately to report the fraudulent charge which is recorded.
2. RequestforFairResolution : Basedontheinformationprovided, IbelieveI have provided substantial evidence to establish the fraudulent nature of the charge. I urge you to thoroughly review the recordings of my initial report in XXXX and consider all the evidence. I expect that upon careful evaluation, you will overturn this charge.
3. AppealsProcess : Intheeventthatmyclaimisnotresolvedsatisfactorily, I kindly request information regarding the appeals process. If necessary, I am prepared to pursue legal action to protect my rights and rectify this fraudulent charge.
4. AnticipatingYourResponse : Ieagerlyawaityourfindingsandreply, ensuringa prompt resolution to this matter. Please do not hesitate to contact me for any additional information or clarification that may assist in filling any gaps in the evidence.
Thank you for your attention to this matter.
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04/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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To whom it may concern, The paragraphs below are of the Corporate Complaint I submitted to Capital one back in late XX/XX/XXXX ....
" After what has transpired with one of my Cap1 credit card accounts ending in XXXX, Im very a disappointed and extremely upset Capital One Credit Card and Auto Loan customer!
I originally called Cap1 and spoke to someone with employee ID : XXXX on XX/XX/XXXX around XXXX CST to inquire about a pending credit from XXXX XXXX XXXX XXXX in the amount of {$140.00}. Prior to calling you guys I proactively called XXXX to ask if they had released the funds, which the rep by the name of XXXX XXXX did confirm it was in fact released back to Cap1 on XX/XX/XXXX at XXXX. When I spoke to XXXX, she advised there was no credit submitted back so she would need to call XXXX to confirm. She attempted to call them with no luck, but did say the other option was to file a dispute since it had been over 10 days from transaction date or try to call back and get a representative on the phone.
I expressed to her I was on board to whatever was the easiest and fastest way to get the funds back since I was planning on using that money. Employee XXXX said regardless, a credit for that amount would be issued to my account within 3 days while dispute was open. If after the timeframe of the dispute they didnt hear back, then I would be charged that amount back and then would need to follow a different process. I agreed to all terms.
Once that was done, I mentioned to her that I had recently changed my number and wanted to see if it was an option for me to change my number with her. XXXX said she will need to send a verification text to my number, then I reminded her the number on file is no longer active, hence the reason for me wanting to update my number on file from XXXX to XXXX. XXXX then took my new number and said she will send a verification text. After a minute or so, she came back and said for some reason the system is not allowing her to send that text verification to my new number and said now I would need to send a copy for my Driver License to her. I immediately expressed to her I didnt feel comfortable sending over any of my government issued IDs and asked to forget about updating my phone number.
I didnt think anything about it till I tried to make a purchase this morning XX/XX/XXXX. When I went into my APP, it read my account was RESTRICTED. Not knowing if it was related due to the dispute submitted over to XXXX, I called in to ask what was happening. I spoke to an inbound call center rep, whose name I forgot to ask, and she then advised the reason why my account was restricted was because of my verification. The rep said I would need to submit a copy of my DL. I then said I didnt make any changes and dont feel comfortable sending over my DL. Requested to speak with a manager. After 15 minutes holding for a manager, I was finally transferred to XXXX, employee ID : XXXX Freud and dispute supervisor.
I went on to explain to her the situation and asked what I needed to do to get my account active. XXXX advised since my new phone number is not registering as a government verifiable number attached to me or for her to be able to call me to verify, the only option would be for me to send a picture of my DL to her using a link thatll go to her directly. XXXX reassured me after DL was verified it will be discarded. I again expressed to her I was not comfortable doing that but if it was the only option to reactive my account I would go ahead and send it over to her.
To my surprise XXXX texted my NEW none verified number, XXXX, the link where it requests me to capture my DL and send it back to her.
I did what was requested and then confirmed she received it! I then asked why she could send me a text message to my NEW NUMBER requesting my TX state issued DL but could not send me a text verification code or why that couldnt be used as a form to verify it was me. This was Shocking to her and had no way to explain why that was the case. XXXX was extremely apologetic and said she has no idea what the systems work differently. After a few minutes, she asked if I recently got a new DL. I conformed and advised her I just renewed my DL a couple of weeks ago. She said because of that, she would not be able to remove the restriction!!!
At this point Im jumping through all your hoops to get my account active, even after I mentioned a few times I was not comfortable submitted my DL, for then XXXX to come back and say its not possible to remove the restriction. You can only imagine how upset I was at this time. I asked XXXX what other options I had. I offered to send her all documents I had available, which was a picture of my SS Card, DL and even a copy of my new contract with XXXX reflecting my new number and name. She said none are acceptable and will need to wait.
This is the worst experience Ive had with you guys in which I took over 2 hours of my time to get NOTHING resolved, but instead be told that IT CAN TAKE MONTHS for the government to update their systems and have my new number as a government verifiable number. MONTHS!!!! Months without me being able to use my card or make online payments. She said I would need to call in each time to make a payment or mail it in!!!! What an inconvenience for me as I hate calling in to call centers and mail mail? Who in this day and age mails in payments? I to all my transactions online!!!!
I also offered the idea of me driving to the nearest Cap1 bank and verify with all parties on phone. She said thats not an option either.
Im beyond XXXX and disappointed with Capital One. This is not a good way to keep customers happy or loyal to you guys.
Im requesting an urgent call back to discuss this in further detail all my issues and concerns Mobile : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today XX/XX/XXXX - I called Capital One and spoke XXXX with employee ID : XXXX who stated was a Freud and dispute manger. She confirmed my Corporate Complaint letter was in fact received on XX/XX/XXXX, however there weren't any notes as to a follow on my letter, nor was I reached out by anyone from Capital One by phone, email or letter as I was advised I would receive a call within a week after my letter was received. XXXX said she didn't have a reason or answer as to why no one has followed up with me. At this point I'm extremely frustrated and when I asked to speak to XXXX 's manager she said there is no one I could speak to. We talked back and forth and at one point she raised her voice and talked over me. To this day/time my issues have not been addressed and my card still remains " restricted '' Please assist me on getting a resolution on this matter. I've tried all I can do and it appears I hit a roadblock at Capital One.
Thank you for your time, XXXX XXXX
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05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX XXXX sent me my results regarding two different accounts capital one XXXX XXXX XXXX XXXX XXXX updated XXXX XXXX and verified capital one while looking over my results XXXX provided to me I am in disagreement that a investigation was done properly and I believe these data furnishers didn't investigate these accounts to begin with.
XXXX XXXX did NOT notate a NOTICE OF DISPUTE and they did NOT even report to XXXX to begin with. the last time XXXX XXXX reported any information was XX/XX/XXXX. These results were generated XX/XX/XXXX XXXX this account was not properly investigated and I did NOT receive any type of notice of dispute from XXXX XXXX either. FCRA states when a consumer reporting agencies receives information regarding a dispute from a consumer they must send the data furnisher all disputed information in order for them to do a investigation and when the data furnisher has completed their invsestigation the data furnisher must send a notice of dispute to the consumer proving they dispute with the consumer reporting agencies with their findings and that notice MUST be notated in the credit report " the remarks '' section.
when it comes to Capital One, XXXX has Verified this account as accurate. now I have already responded asking for the procedures that were done under 15 u.s.c 1681i ( a ) ( 6 ) ( B ) ( iii ) with a tracking number. so I am awaiting for that answer in 15 days once they receive it. but take a look at the way XXXX reported this account AFTER they claim to have Verified this account as accurate.
First, this data furnisher capital one DID NOT report on this account since XX/XX/XXXX proving to me that this data furnisher DID NOT do a investigation to begin with, because this date would have been changed upon them verifying this account with XXXX. the remarks section also DOES NOT specify a recent investigation was done either. even if XXXX wants to come back and say that remark is a notice of dispute, the date updated proves that the remarks section is outdated because this data furnisher never investigated this account either.
XXXX is in violation and so are these data fursnihers. I have brought these accounts to their attention based on errors, XXXX has provided me with written results as well as other consumer reporting agencies, only to justify them trying to complete their investigation in a timely manner, but that does NOT make a excuse on why these accounts were never investigated by these data fursnihers to begin with. and if these data furnishers come back and say they have did a investigation then my question is were are my notices of disputes regarding their investigation then, if they can report on my private consumer disclosure reports and they have my address what's the excuse for them not sending me this simple requirement docuement?
these are not FCRA requirements and these data furnishers and XXXX are in non compliance and are responsible for the following violations.
15 U.S.C 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) 1681s-2 that information regarding a consumer who was furnisher to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that INCLUDES the disputed information.
15 U.S.C 1681s-2 ( a ) ( 3 ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of ANY information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
15 U.S.C1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681s-2 ( b ) ( E ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified AFTER ANY reinvestigation under paragraph ( 1 ), for purpose of reporting to a consumer reporting agency only, as appropriate based on the RESULTS of the reinvestigation promptly- ( ii ) DELETE that item of information ; or ( iii ) PERMANENTLY block the reporting of that item of information.
Under 15 U.S Code 1681s-2 ( a ) ( 2 ) ( 2 ) Duty to CORRECT and UPDATE information. A person who REGULARLY and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and Has furnished to a consumer reporting agency information that the person determines is not complete or accurate, SHALL promptly notify the consumer reporting agency of that determination and provide to the agency ANY corrections to that information, or any additional information, that is necessary to make the information provided by the person to the angency complete and accurate, and SHALL NOT therafter furnish to the agency ANY of the information that remains not complete or accurate.
623 15 U.S.Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies DUTY of furnishers of information to PROVIDE ACCURATE INFORMATION PROHIBITATION Reporting information with ACTUAL knowledge of errors. A person SHALL NOT furnish ANY information relating to a consumer to ANY consumer reporting agency if the person KNOWS or has REASONABLE cause to believe that the information is INACCURATE.
Reporting information AFTER not and CONFIRMATION of errors.
A person SHALL NOT furnish information relating to a consumer to ANY consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, INACCURATE.
15 U.S.C 1681 ( a ) ( 4 ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer RIGHT TO PRIVACY.
15 U.S.C 6802 ( b ) ( b ) OPT OUT In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( the consumer reporting agencies ) unless- ( A ) such financial institution CLEARLY and CONSPICUOUSLY disclosed to the consumer, in writing or in electronic form or other form permitted by the regulations prescribes under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, ( I have a chance to say no ) before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( information needed to be expressed before my information was reported. )
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02/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. XXXX after having selected the financing terms and conditions on the Capital One Auto Navigator website. The Capital One Auto Navigator site advertised all dealerships listed to be trusted partners and all vehicles as being Certified Pre-Owned cars. Having trusted this information, I selected my vehicle of choice and agreed to the financing terms on the Capital One Auto Navigator website. I felt particularly steered towards XXXX XXXX. XXXX, being that, the vehicle I had been searching for could only be found at this particular dealership according to Capital One.
During a short test drive of the vehicle ( less than 1 mile ) due to the salesperson dictating where I could drive the vehicle and which route to take, a warning light triggered on the dash of the vehicle. I immediately stated to the salesperson a warning light has been triggered and the vehicle smells like burning oil. I was concerned that we had only driven a short distance and the smell of burning oil was seeping through the air vents. The salesman stated Oh. Its because this car needs an oil change. We will make sure we take care of everything. Our vehicles are all checked out before purchase. Well be sure to get that taken of.
Feeling confident in the information provided on the Capital One Auto Navigator website that all the dealerships listed were trusted partners and all vehicles listed were certified pre-owned. Also, being reassured by the salesperson at XXXX XXXX. that the issue with the oil change, warning light, and anything else would be taken care of. I decided to purchase the car. Considering, the salesperson drove the vehicle to an offsite location to get the oiled changed per what I was told while waiting to complete the finance paperwork.
While completing the finance paperwork I noticed the odometer reading on the contract stated the mileage being XXXX. When the salesperson arrived back at the dealership with the vehicle, I requested a second test drive to verify the warning light and issue with the oil change had been resolved. Once again, after driving the exact same route being dictated by the salesman I noticed the warning light had turned off. However, the mileage on the vehicle now read XXXX. In hindsight, there was no possible way the salesperson could have driven 663 miles in 20 minutes for an oil change. But, again I trusted Capital One and its partner dealership that the vehicle would be suitable for purchase. After all, the warning light no longer signaled there to be an issue.
Due to the circumstances surrounding Covid-19 and the pandemic, I rarely drove my XXXX XXXX. In fact, as of XX/XX/XXXX the vehicle had only been driven a handful of times. Nevertheless, on XXXX day I decided to drive the vehicle to Oklahoma to spend the holidays with my family. Unfortunately, the vehicle only made it one block away from my residence before it started to smoke and appeared to be overheating rapidly. However, no sensors or warning lights came on in the car.
I immediately contacted XXXX of XXXX XXXX, a certified XXXX dealership, and made arrangements to have the vehicle delivered to their repair shop and a full diagnostic completed.
In short, XXXX of XXXX XXXX reset the computer in the vehicle and it was determined that the sensors/warning lights had been disabled, the vehicle had not had an oil change since XXXX of XXXX ( the XXXX has an electronic log that tracks repairs ), the actual mileage on the vehicle was XXXX on XX/XX/XXXX, and complete replacement of the entire Oil Filter Housing Unit including the cylinder head valve covers were required. If the work was not done, then it could lead to replacement of the entire engine and other costly repairs. Thus, the cost of repairs for the work needed was {$3000.00}. Most certainly, I paid to have my vehicle repaired and it caused a tremendous financial hardship. I was forced to use the funds I set aside from my stimulus checks that had been earmarked for my mortgage payments to make the necessary repairs.
I feel like I have been totally scammed and frauded by Capital One Auto Navigator and XXXX XXXX. XXXX, I was sold a vehicle that was in need of serious repair and an extended warranty that covered absolutely ZERO towards repairs. I, personally, contacted XXXX XXXX on several occasions, as did XXXX of XXXX XXXX to discuss coverage for the needed repairs. XXXX XXXX stated none of the repairs would be covered and none of the parts ( not even the gasket ) would be covered under the warranty that I paid {$2300.00} for and agreed to have added onto my auto loan.
Therefore, I immediately requested the contract with XXXX XXXX be cancelled and completed the necessary cancellation form without any assistance from XXXX XXXX. or Capital One Auto Finance. Mind you, I had requested the extended warranty to be cancelled over five times with XXXX XXXX. First, I was told by XXXX XXXX that a manager only has access to the warranty cancellation form. Then, on three occasions I was told the Manager ( XXXX ) was not in the office or with another customer and he would call me back. So, I confirmed when he ( XXXX ) would be in the office and I would be driving to the dealership to complete the cancellation form. However, that did not happen because when I informed them that I was on my way they stated their printer did not have any paper. Finally, on my last attempt to cancel the worthless extended warranty I was told by XXXX that he did not have the cancellation form from XXXX XXXX. I waited an entire week and this man told me he still didnt have the cancellation form.
I was fed up with the lies and contacted XXXX XXXX myself. I was sent me the cancellation form in less than 5 minutes via email. When asked by XXXX XXXX to confirm the mileage on the vehicle at the time of cancellation. I provided them with the proof from XXXX that the mileage was less than what was noted on my purchase contract. Therefore, XXXX XXXX stated they would be refunding the entire {$2300.00} that had been paid.
As of XX/XX/XXXX, I have contacted Capital One Auto Finance over 20 times and the Capital One Office of The President several times in hopes of receiving some type of financial assistance with the cost of repairs that I paid for my vehicle. Also, I have repeatedly demanded the extended warranty amount of {$2300.00} be removed from the balance of my auto loan and the paid interest adjusted to reflect the agreed upon purchase amount of the vehicle ( Price : {$12000.00} ).
Respectfully, I have been fighting this battle to have this worthless warranty removed from my auto loan and my interest rate adjusted with Capital One Auto Loan for well over 30 days now. Likewise, I havent received a single response regarding the request for reimbursement or any type of assistance with the cost of repairs. I am not a rich woman. This has caused a serious financial hardship. I am begging for some help at this point.
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06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I have an ongoing dispute with Capital One for a purchase I made with my Quicksilver card from a business I found to be fraudulent -- I actually never even received the merchandise I purchased.
I made the complaint to Capital One immediately after the purchase was made, which led Capital One to provide me with a temporary credit and get in touch with the vendor for supporting documentation. According to them, such supporting documentation was provided by the vendor ( which is ironic given this vendor doesn't seem to respond to customer inquiries ), and the charge was put back on my account on XX/XX/XXXX. Capital One stated that if I wished to continue to dispute the charge, I would need to provide them with supporting documentation by XX/XX/XXXX. I got in touch with them to find out how I could provide them with such documentation, and they said they'd send me a link to a website where I could upload all the supporting evidence I had for the dispute. I received such link on XX/XX/XXXX stating I had 14 days to upload the documentation, as seen below : " XXXX XXXX To finish processing your recent request, we need some supporting documents : Additional Information Form Proof of Return/Cancellation Copy of Invoice or Sales receipt Response to the Merchant 's Documentation Any additional information related to your dispute You can upload and submit your documents by using our secure link. Dont reply to this email.
Youll need digital copies of your documents on your computer or device before you can submit them to us. If you have paper documents, you can scan them or take pictures and save them to your computer or device.
This link will be valid for 14 days. After that, you can contact us if you need assistance at XXXX, anytime, 7 days a week. '' I tried uploading the documents as instructed but got multiple error messages. I got in touch with their phone support, they asked me to retry some other time. I did so in a couple of days, and again got errors. I reached out to them again and they told me they would send me a new link, which they did on XX/XX/XXXX. Those still didn't work. I got in touch with them again, and they told me the other two options would be to FAX the info to them ( frankly, I'm surprised anyone still has Faxes in XXXX ) or to mail them a detailed letter and all the supporting material for their review. Nothing was said about a deadline throughout this ordeal -- as a matter of fact, by the time they instructed me to mail all of this material to them it was already past the 14 days from when they had sent me the original link ( which in turn also not in compliance with the original deadline of XX/XX/XXXX.
I wrote the following letter and mailed them all the documentation on XX/XX/XXXX, via registered mail.
" I am sending this document in reference to case # XXXX in support of my dispute of the charges associated with a purchase I made at XXXX, totaling {$120.00}, with my Capital One Visa Quicksilver card.
I purchased a soccer jersey at XXXX XXXX CST on XX/XX/XXXX. I regretted completing the transaction almost immediately as I felt there was something wrong with the store I had made the purchase at basically, the soccer jersey I had bought, had been sold out everywhere, but available here in all sizes and with different customization options. It felt almost too good to be true.
I immediately checked their FAQ section to find what their cancellation policy was and read that you could cancel a purchase if the order hadnt begun being processed. I followed the instructions, which had me go to a page and press the button CANCEL next to the purchase. I did so but received no confirmation it was canceled. Instead, the button disappeared ( I cant even find that page nowadays ), and soon after I received an email stating the order had begun being processed. Remember this is now XX/XX/XXXX, when most businesses are closed.
I sent their customer service an email citing I had done as instructed to cancel the purchase prior to being notified that my order had been processed but received no answer from them. I then tried to get in touch with them through their website, and again nothing.
As my fears started getting worse that I had been scammed, I started doing some research on the website. As it turns out, not only had XXXX been previously the target of local news articles about it being a scam website that sells fake soccer jerseys as though they were legitimate, but other online review websites also contained a multitude of customer complaints for trying to cancel orders or get a refund for orders that were never delivered, to no avail. The website will simply not respond to its customers and will essentially steal their money, often with the goods never being delivered at all.
Finally, while they seemed to be very responsive to your request for supporting material from them on the legitimacy of the purchase, they quickly followed that up with an email letting me know they had rejected my order meaning, not only are they keeping my money but they also have no intention of ever sending me the jersey they are claiming I purchased.
All of this is supported by the attached documentation of this entire ordeal. I hereby please ask that you reverse your decision and remove the charge from my account immediately, also noting the history on this account of honoring every purchase I make with my credit card.
Finally, I had repeatedly tried to upload these documents to the link provided to me by email and kept getting an error which was somewhat frustrating considering I always saw Capital One as a leading technology company. It feels unreasonable that, in XXXX, the only other remedy to this is me mailing you all this documentation. '' I heard nothing from them and decided to call them in early XXXX. They acknowledged they had received the documentation but had no updates on the actual resolution. They said they would get back to me in a couple of weeks. That didn't happen, and so I decided to follow up today, XX/XX/XXXX, already frustrated by this whole ordeal.
Today, when calling them, they decided to let me know there was nothing they could do about the charge because I had missed the original deadline. They said despite them providing me with links that wouldn't work to upload the necessary documentation, it was my responsibility to get it in time to them and that I could have faxed or mailed it to them instead.
At this point, I am just fed up with the messy customer support they provided and want to break my ties with them. I used that credit card as my primary credit card for a long time, and can't believe they would opt to sever ties with a loyal customer rather than issue a {$120.00} credit for something I bought and never received. I hope people are aware that despite their image as a very customer-friendly company, Capital One is unable to be reasonable and get out of its own way when it matters most to its customers.
Thanks, XXXX
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08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX and I am a natural human. I have filed this vase based on my belief based on research.
XXXX. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and CAPITAL ONE XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the Affidavit Page 2 of XXXX established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
XXXX. ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
XXXX. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
XXXX. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
XXXX. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXXXXXX XXXX.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
XXXX. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
XXXX. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them.
XXXX. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than $ XXXXAffidavit Page 4 of 5 10. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
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06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/2020, I received an alert from XXXX there was an update on my credit report. When I logged on to view the change, I saw there was a 17 credit score decrease on my account with an explanation " Capital One was deleted '' from my account. When I called XXXX to confirm my Capital One Credit Card was still open and active. I was informed that Capital One deleted the account and there was nothing they could do and suggested I call Capital One to resolve the issue myself. I called Capital One on Monday morning, XX/XX/2020 to inquire about the deleted account reported to XXXX, explaining my credit score decreased as a result of this error. I was informed by the Customer Service Representative through her Supervisor, there was nothing they could do since my account was showing open and active on their end. The representative then suggested I send in a letter, including my name, date of birth, social security number and credit card number in the letter, detailing my dispute to add Capital One back on the credit bureaus and I would get a response within 30 days of the letter. With a high rise in identity theft, I found it very strange to include my personal information in a letter for a dispute creating between Capital One and the credit bureaus, which I told to the representative, who told me it was required in order to perform the investigation. I did what was advised to me and mailed Capital One a letter on XX/XX/2020. After waiting for a few days over the 30 day window I was given, I received another alert from both XXXX and XXXX on Saturday, XX/XX/2020, my credit score decreased another 30 points due to Capital One deleted from my credit report. My credit score is now in the " Poor '' catagory as a result of Capital One not correcting their error to add the account back onto my credit report to show account is in good standing with a XXXX balance. I called Capital One on Monday, XX/XX/2020 to get an update on my letter dated XX/XX/2020 since I received an alert of another credit score decrease. At XXXX, I spoke to a Capital One Representative named, XXXX who after explaining the nature of my call, just transferred me to XXXX XXXX I didn't know they could transfer a customer calling their company to an outside company. Since, I wasn't calling XXXX, I called back Capital One and waited on hold for over 10 minutes and another Capital One Representative, named XXXX answered and after again repeating the nature of my call recommended I speak to a Supervisor in the Customer Relations Department. XXXX transferred me to a Supervisor named, XXXX and again after repeating the nature of my call for the 3rd time, I was informed my letter was received and reviewed on XX/XX/2020 but unfortunately there was nothing she or anyone could do to help me as there was still no resolution to the minor issue of contact the credit bureaus to add the account back to my report and I will need to " be patient '' while the investigation continues. I informed XXXX of my credit score decreasing not once but twice as a result of this error between Capital One and the credit bureaus and it's not fair to me as the consumer to suffer and be penalized over an error caused by any of the companies. If I pay a late payment, that notice is instantly reported to the credit bureaus so why is it taking more than 30 days to correct any error made by Capital One. I then asked XXXX, " am I supposed to sit still like a duck while they take their time and figure this out '', XXXX responded " yes ''. I then asked to speak to someone above her. I was then transferred to XXXX ( Senior Supervisor ) and again repeated the issue for a 4th time! XXXX informed me, unfortunately there was nothing he could do to speed the process along and the correction can take anywhere from 30 days to 90 days! I asked XXXX, since XXXX XXXX is part of Capital One, why would they also decrease my credit score when they have the capabilities to see my account with them is still open and active. XXXX responded to me that he couldn't answer that question and due to Covid-19 and their limited employees in that department, I could not be transferred to that department to speak with them. I didn't understand that explanation since talking to someone on the phone, regardless of limited employees, has anything to do with Covid-19. After going back and forth with Capital One employees and wasting 50 minutes out of my life, I decided to call back XXXX for any help. XXXX, I called XXXX Dispute Center and spoke with XXXX and explained the ongoing 30 day plus issues with Capital One and the credit bureaus. XXXX informed me, XXXX requested from Capital One 30 days ago to verify my account with them was open and active and they have not received a response from Capital One and they led to them deleting the account from my report as closed. XXXX also informed me that in order for the account to be reinstated on my credit report, Capital One has to now send in a " Resertion Form '' and the report will be corrected as well as my credit score. XXXX made that sound so simple and easy with a click of a computer key and way less than 30 days. After hanging up with XXXX at XXXX, I decided to call Capital One back to inform them of my conversation with XXXX and what is required to correct this issue. After being on hold for another 26 minutes, a representative by the name, XXXX answered and I provided him my information and asked to be connected back to XXXX, Senior Supervisor or someone of his status. I was placed on hold and and Senior Supervisor named, XXXX was connected. I briefly informed XXXX of my conversation with XXXX while she checked for any notes on my account and placed me on hold while she reviewed the account. When XXXX came back to the line and repeating the same information as XXXX. I informed XXXX of the information from XXXX at XXXX Dispute Center and all that was required was an Resertion Form after XXXX attempted to contact Capital One to verify the status of my account and there has been no response from Capitol One. XXXX reiterated to me, there is no timeline when there will be a resolution. I then stated to XXXX, matter of factly, Capital One immediately, expeditiously notifies credit bureaus if I'm 1 day past my due date or {$0.00} over my credit limit and it never takes more than 30 days to report anything late or over the credit limit. Also informing her, if her company can report so rapidly a late payment or over the credit limit within days, then something as simple as confirming an account status to the credit bureaus should be just as rapid. My credit score is still decrease by 47 points as a result of this and I'm forced to file a complaint as I'm not receiving any resolution assistance from Capital One or the credit bureaus. If I needed to make any financial life changes, I would not be able to and would be judged by my current credit report, which is showing incorrect information to deter lenders.
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02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Capital One Case : XXXX CFPB Case : XXXX From : XXXX : XXXX XXXX XXXX, Beneficiary, Trustor and Secured-party to the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn. XXXX To and in care of : XXXX : Family of XXXX d/b/a Trustee of the Social Security XXXX XXXX XXXX XXXX XXXX XXXX and d/b/a XXXX XXXX, Chief Executive Officer of Corporation Capital One Financial Corporation CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX RE : Account # XXXXThis is a Trust action and as an acting trustee over Social Security XXXX XXXX XXXX XXXX XXXX XXXX you as a trustee have a duty of loyalty. As fiduciary, a trustee is legally bound to base all decisions regarding trust assets on what is best for the beneficiaries. Trustee fraud is a type of trustee malfeasance, but XXXX that involves an intentional bad act by the trustee to benefit him/herself to the detriment of the trust beneficiaries or XXXX parties. Trust fraud is felony.
The debt for Capital One account # XXXX is contractually assigned to Social Security XXXX XXXX XXXX XXXX XXXX XXXX. The debt is not assigned to the human beneficiary. Since this has been reported as fraud and have not provided any evidence that was requested under federal law, you are now malfeasance in doing so. You have an obligation to remove this account from the beneficiaries Credit Report and withdrawal any negative derogatory marks it may have received. House Joint Resolution 192, Public Law 73-10 states that all debt public and private are paid for. There is no debt.
This account was opened and reported as fraud as soon as it came to my attention XX/XX/XXXX- There was an investigation saying this account was valid however that is false! You fraudulently pulled money from my trust and issued it to another person without verifying it was in fact me the beneficiary to this account. I gave no such authorization for my money to be issued out or to gain access to my trust. If Capital one states this is a valid debt then I will subpoena ledger balances that prove this money was theirs that they issued and not from my trust. You have mailed me no correspondence for Social Security XXXX XXXX XXXX XXXX XXXX XXXX. This credit card was Identity theft and was not opened with my consent! It is invalid and violates my rights under common law. Since you lay claim against my property ( Name ). You lay false claim against my name and bond under common law. You are now required to remove and dismiss this from the beneficiary of Social Security XXXX XXXX XXXX XXXX XXXX XXXX Credit Report CONSPIRACY AGAINST RIGHTSUSC 18 241 If XXXX or more persons conspire to injure, oppress, threaten, or intimidate any person in any State in the free exercise or enjoyment of any right, they shall be fined under this title or imprisoned not more than ten years, or both. CONSPIRACY TO INTERFEREUSC 42 1985 If XXXX or more persons in any State or territory conspire for the purpose of depriving, either directly or indirectly any persons rights the party so injured or deprived may have an action for the recovery of damages against any XXXX or more of the conspirators. NEGLECT TO PREVENTUSC 42 1986 every person who, having knowledge that any of the wrongs conspired to be done or are about to be committed, and having power to prevent or aid in preventing the commission of the same, neglects or refuses so to do, if such wrongful act be committed, shall be liable to the party injured ( Cruden v. Neale ) man is independent of all laws, except those prescribed by nature. he is not bound by any institutions formed by his fellow- man without his consent. THE REAL LAW ( Marbury -v-Madison, 5th US ( 2 Cranch ) 137, 174, 176, 1803 ) RIGHTS AND SOVEREIGNTY ( hurtado v. People of the State of California, 110 U.S. 516 ) The assertion of federal rights [ Bill of Rights ], when plainly and reasonably made, is not to be defeated under the name of local practice. ( davis v. Wechsler, 263 US 22, 24 ) Sovereignty itself is, of course, not subject to law, for it is the author and source of law. ( yick Wo v. hopkins, 118 US 356, 370 ). to deprive the People of their sovereignty, it is first necessary to get the People to agree to submit to the authority of the entity they have created. That is done by getting them to claim they are citizens of that entity Constitution for the U.S.A., XIV Amendment Isbill v. Stovall LAW OF THE LAND This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding. US Constitution If any statement, within any law, which is passed, is unconstitutional, the whole law is unconstitutional. ( Marbury v. Madison : 5 US 137, 1803 16Am Jur 2d : 16Am Jur 2d., Sec . 97 ; Bary v. United States - 273 US 128 16Am Jur 2d., Sec . 114 16Am Jur 2d., Sec . 256 Mudook v. Penn. 319 US 105, 1943 Owen v. lndependence 100 Vol. Supreme Court Reports. 1398 : [ 1982 ] ; Main v. Thiboutot 100 Vol. Supreme Court Reports. 2502, 1982 Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ; 1958 davis v. Burris, 51 Ariz. 220, 75 P.2d 689 ; 1938 In re duncan , 139 U.S. 449, 11 S.Ct. 573, 35 L.ed. 219 ; Minor v. happersett, 88 U.S. ( 21 Wall. ) 162, 22 L.ed. 627. Blacks Law dictionary, Fifth edition, p. 626 People v. Skinner, Cal., 110 P.2d 41, 45 ; State v. Rossi , 71 R.I. 284, 43 A.2d 323, 326 ; direct Plumbing Supply Co. v. City of dayton, 138 Ohio St. 540 , 38 N.e.2d 70, 72, 137 A.L.R. 1058 ; Stoner v. higginson, 316 Pa. 481, 175 A. 527, 531 Schware v. Board of Bar examiners, 353 U.S. 232 ; 1957 Schware v. Board of examiners, United State Reports 353 U.S. pages 238, 239 Sims v. Aherns, 271 SW 720 ; 1925 Murdock v. Pennsylvania, 319 U.S. 105, at 113 hertado v. California, 110 U.S. 516 Miller v. U.S., 230 F 2d 486. 489 14th Amendment Article I, section 1 Waring vs. the Mayor of Savanah Chisholm v. Georgia State v. dallas City United States -v- Williams Reminder A reminder that this is a trust action. You are in a fiduciary position as trustee because you are handling and working with my Social Security XXXX XXXX XXXX XXXX XXXX XXXX directly or indirectly as part of the service you provide. As a fiduciary everything you do MUST be for my benefit. If this debt is not placed in satisfactory status you are acting in your own best interest which makes you malfeasant of office. It is trust fraud and that is a felony. Avouchment I, XXXX XXXX XXXX, do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Common Law Contract, is true, accurate and correct to the best of my knowledge, information and belief and conveys the requirements set forth as intended by me without prejudice.
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08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I did not sign for all inquiries and did not apply for all these inquiries dispute the following information that appears on my XXXX report from XX/XX/XXXX : Collection account from XXXX XXXX with account # XXXX and a balance of {$410.00}. The original creditor is XXXX.
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX, XXXX. on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX & XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX - XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from CAPITAL ONE BANK USA on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from CAPITAL ONE BANK USA on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from CAPITAL ONE on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from CAPITAL ONE on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from CAPITAL ONE on XX/XX/XXXX.
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Inquiry from CAPITAL ONE on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Please reinvestigate these matters and delete or correct the disputed information as so
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11/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/XXXX we signed a purchase agreement to acquire a used vehicle through " XXXX '', an online used car dealer, based in Texas. The car we selected was a XXXX XXXX XXXX ( " XXXX '' ). The financing for the purchase was arranged by XXXX, the XXXX of record is CapitalOne. I The purchase price of the vehicle ( including taxes and fess ) was {$38000.00}. As part of the purchase we traded in a vehicle, a XXXX XXXX XXXX TDI ( " XXXX '' ). The net proceeds available from the trade-in totaled {$7900.00} ( trade-in value of {$18000.00}, minus loan payoff of {$10000.00} ). On XX/XX/XXXX the transaction was finalized as XXXX delivered the purchased vehicle ( XXXX ) and picked up the trade-in vehicle ( XXXX ). XXXX offers a XXXX return policy. We had the XXXX inspected, twice, and under both inspections the XXXX failed inspection for a variety of reasons. XXXX 's return policy does not require inspections or an explanation. On the XXXX day post-sale, upon completion of the XXXX inspection, on XX/XX/XXXX we notified XXXX in writing that we would be exercising the return policy. Our notification to XXXX was outlined in an email explicitly following and matching XXXX 's instructions and policies for return of the vehicle. In addition to the email notification, we notified XXXX by phone, speaking directly to XXXX of their customer service representatives. XXXX acknowledged our notification and provided a written response, confirming the return. XXXX identified the individuals within their organization that would handle the return as the " buy-back team ''. Contacting the buy-back team at XXXX is nearly impossible, unpredictable, to reach them can take 7 - 10 day, just to ask a simple question or get someone to reply. XXXX reason contacting them is so difficult is because the phone number that we have been provided for the " XXXX '' department is non-working/disconnected phone number. When calling the number ( the only number ) provided, a recording plays notifying the number has been disconnected. Other associates at XXXX that we are able to contact are " sales '' people and generalized customer service representatives that do not have any information regarding our return ( buy-back ), they are unable to provide information, updates, etc ... Over the course of XXXX we have received XXXX, each stating a nearly identical status report ; " someone from the buy-back team will be in contact with you over the next couple of days, regarding the return of your vehicle ''. XXXX problem is that no one actually contacts us. We have to spend days/hours on the phone attempting to navigate through a series of individuals until someone is able to reach XXXX of the buy-back team members and transfers our call. Most days we are unsuccessful in connecting with an employee capable, willing, or able to connect us to the buy-back team. During XXXX level of correspondence XXXX advised that they would not return our trade-in vehicle ( the XXXX ). XXXX would not answer or confirm if our trade-in vehicle had been sold to another party, alluding to having transported our trade-in to XXXX of their processing locations, and advised that XXXX had no interest in returning our trade-in ( although it had not been sold ). On or about the same date ( around XX/XX/XXXX ), we notified XXXX that we would prefer to return the XXXX and perform what XXXX described as a " Swap '' for a different vehicle from XXXX 's inventory. XXXX arranged for the original financing and advised they would administer the return of the purchased vehicle ( XXXX ), the delivery of a different vehicle ( a XXXX XXXX ), and the financing for the XXXX XXXX. We selected a XXXX XXXX from the online inventory at XXXX and provided the buy-back team with the VIN # and vehicle description. An agent of XXXX confirmed that the " swap '' vehicle was in process. XXXX later an associate of XXXX notified XXXX that the " swap '' vehicle ( XXXX XXXX ) had been sold to someone else, and notified us that the swap had been cancelled. We notified XXXX in writing and by phone that at no time did we ( the consumer ) cancel the swap, and expressed our frustration and challenges. A XXXX associate advised that we could select a different swap vehicle. We searched their inventory and selected a different ( XXXX ) swap vehicle ( a XXXX XXXX XXXX ), providing the VIN # and vehicle description. This information was provided via email and by phone. XXXX confirmed receipt of the information and confirmed that the new " swap '' for a different XXXX XXXX was in process. Since providing a confirmation email of the XXXX swap ( on XX/XX/XXXX ) XXXX has provided XXXX names of " buy-back team members '' ( XXXX and XXXX ) XXXX XXXX associate can be reached by phone, neither buy-back team member has a direct phone number, extension, and customer service representatives insist that neither " XXXX '' or " XXXX '' have a work email ; the only way to attempt to reach either person is through a group email only, to a generic email inbox at XXXX. Neither associate ( XXXX or XXXX XXXX responds or replies to the emails we have sent to the " buy-back group/team '' email address. No one replies to the emails we send. No one from the XXXX team returns our calls. Since XX/XX/XXXX we received XXXX email reporting that a " buy-back '' team member is working on our swap ( for the return of the XXXX, purchase of XXXX XXXX XXXX XXXX and they will be in touch within a few days. Today is XX/XX/XXXX, which is XXXX since we initiated the return of the XXXX, and approximately XXXX from the date that XXXX reported they would XXXX our " Swap '' fo the XXXX for the XXXX XXXX. We are unable to verify financing, financing terms, swap vehicle availability, or a refund of our trade-in net proceeds, the pick up date/time for the XXXX, the delivery of a " swap '' vehicle ( XXXX XXXX ), etc, etc... No information has been provided. Additionally, without the delivery of the swap vehicle ( XXXX ), or a return of our trade-in net proceeds, we are without a vehicle, and without proceeds for a down payment with a different company. XXXX has threatened to charge us {$1.00} per mile that we drive the XXXX. We find that threat and representation egregious, in light of their non-performance. Their non-performance is the reason why we do not have another vehicle to drive. We are unsure how they can rationalize their threat/representation of the {$1.00} per mile fee/charge, since the circumstances and situation are a direct byproduct of their non-performance. We believe the solution is simple- either return our trade-in net proceeds ( immediately ) so we can go elsewhere to acquire a vehicle, and then at your ( XXXX 's ) convenience come pick up your vehicle ( XXXX ), or immediately perform on delivery of the terms/financing for the swap vehicle ( XXXX XXXX ), and XXXXmmediate delivery of the swap vehicle ( XXXX XXXX ) when picking XXXX XXXX XXXX.
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09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I purchased a pass for a convention that was to take place initially in XXXX of XXXX the event was postponed several more times because of Covid 19. The final date that the convention was rescheduled was XX/XX/XXXX. The director decided to cancel the event at XXXX XX/XX/XXXX via her lawyer she sent to the hotel. He said all event rooms were given back to the hotel. I paid XXXX for the pass. The credit card company Capitol one told me I was past the 60 day purchase window. I explained to them the event was not scheduled to take place until XX/XX/XXXX. They told me there was nothing further they could due. Enclosed find emails and receipts I recieved from XXXX XXXX aka XXXX Support XX/XX/XXXX to XXXX We are so sorry to advise that XXXX of the XXXX XXXX has been officially cancelled due to a fundamental contractual breakdown with the XXXX XXXX XXXX hours before the event was due to take place.
We have met with the hotel and our legal council and there is no resolution possible.
As a company whose whole motivation is to provide amazing experiences for our attendees we are mortified at the upset, disheaval, inconvenience and sadness that this has caused.
The worst case possible for any event is to cancel when attendees and guests have already travelled and are already at the event city and if we had known in any way that this was going to happen we would not have allowed this to occur.
Please accept our most sincere apologies.
At the moment our priority is our attendees and guests who have already travelled to New York and making sure that they are OK.
Our event cancellation policy will apply to that this is the priority for you all but could we ask that you don't all send individual emails about this please as we need to be able to see emails from our attendees in New York who need our assistance. We will issue a further communication on the refund process.
We do appreciate and completely understand the emotional upset that this has caused, especially after everyone has waited so long for the event. This is not how this celebration was supposed to end and we are truly sorry.
With Best Wishes, This e-mail and any files transmitted with it are intended solely for the private use of the individual or entity to whom they are addressed. If the reader of this e-mail is not the intended recipient or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any use, dissemination, publication, forwarding, printing or copying of this e-mail is strictly prohibited. The recipient of this email is also notified that any publication or public sharing of the contents To whom it may concern, I just returned to XXXX from your debacle in XXXX. I can not believe you did this to so many kind caring ppl. I was excited for the past 3 years for this event. I purchased the infinity pass which I am still paying off and tons of extras for myself and my friends. I am on a fixed income. And you pulled the unthinkable. How do you sleep at night? After doing this to us and the cast and crew of our favorite show? You should be ashamed of yourself. I am not requesting but demanding a refund of all of my purchases I made thru your bogus website. I am also reporting you to every government and news outlet that will listen to me. I hope you enjoy TRYING TO CLEAN UP THIS MESS XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : RE : XXXX XXXX To : XXXX XXXX XXXX Dear XXXX, We are so sorry that XXXX of the XXXX XXXX did not happen but we were as surprised as you and this was not planned or expected.
We had the whole event ready to start on Friday with guests, photographers, moderators, staff, goody bags, passes and absolutely everything ready for check in on Thursday.
In a meeting with the venue on Wednesday we were informed of a change to the contract that we could not comply with and there was no negotiation available on this. We still do not understand why the venue took this action at that time or what they had to gain from it.
We have openly disclosed the full facts of the matter to media outlets who have contacted us off the record as we can not go on the record due to possible lawsuits.
We were as upset as you were as we have spent two years working on this event and many people had put in so much effort to make the weekend amazing for all of you. Extra touches such as a chocolate fountain at the karaoke after party had been added and the welcome breakfast was in the promenade on the 9th floor with a view of XXXX XXXX. All of this was to make the weekend extra special and it did not happen all because the contract was not kept to by the venue.
Now we do have a terrible mess to sort out while the venue have come out spotless.
You have been a loyal customer for many years. You know us better than this. We would not have done this deliberately but we are so sorry for how it has ended up.
Kind Regards XXXX I was at the hotel and you made no attempt to meet with any of us. there was no event staff there. You hid in your room and didnt show your face. Sent your lawyer at approx XXXX to break the news to us that our event was CANCELED. The hotel wasnt even aware of the problem until YOUR ATTORNEY SHOWED UP. And many ppl did not get their rooms paid for. Meanwhile the XXXX supported all of the attendees went above and beyond and we were and are very greatful to them. Oh and you said you had goodies bags? Send me a picture of these so called goodie bags. That couldve been handed out to the attendees as a token of good will. You are pathetic and a liar. Thank you again for ruining this for all of us at the # XXXX I HOPE YOURE HAPPY Order # XXXX was placed on XX/XX/XXXX and is currently Completed.
Order details Product Total XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Ticket # XXXX : Email : XXXX Telephone : XXXX Date of Birth ( Month/Day/Year ) : XX/XX/XXXX {$1900.00} Subtotal : {$1900.00} Discount : - {$1900.00} Tax : {$0.00} Total : {$0.00} Q XXXX Terms And Conditions of Sale E Please RE A D ALL THE TERMS AND CONDITIONS OF SALE ENACTED BELOW BEFORE ANY PURCHASES FOR OUR EVENTS.
These general terms and conditions apply to all commercial transactions within the website XXXX ( hereinafter the Website ), and are applicable to XXXX XXXX XXXX and XXXX XXXX XXXX. The domain is owned by XXXX XXXX XXXX legally constituted company incorporated under the laws of the XXXX, registered at XXXXXXXX XXXX, registration number XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
XXXX XXXX XXXX and XXXX XXXX XXXX make every effort within its means to ensure that the information in the Website regarding prices, promotions and service conditions is accurate and correct and without error Should anv errors occur which are XXXX XXXX XXXX XXXX
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10/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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First,theoriginallysummonswasfiledonunknowndate.Perthissummonsandcomplaintsummonswasissuedwithoutadateandwithoutanexpirationdate.Ihavenotreceivedanynotificationfromthislawofficeregardingtheclaimmadeagainstme.Thus,Iwasneverprovidedachancetofairlyrespondtosuchclaimsmadeagainstmewithinyourcourts.TherequestbytheplaintifftofileasecondsummonswasthengrantedonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.Becausetheoriginalsummonsisnotdated,itisunclearifthissummonswaspotentiallyfiledpriortotheoriginalexpirationdateoftheoriginalsummons.Perthissummons,theplaintiffdoesnotprovideanystatementsorinformationregardingtherationaleofbringingclaimsagainstme.Thus,thiswouldnotallowmetheopportunitytoproperlyoradequatelyreviewtheplaintiffsstatementsmadeagainstme.
Next,theplaintifffiledthesecondsummonsonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.TheplaintiffalsofiledaOrderRegardingAlternativeServicewasalsofiledandissued.Thisdocumentwasaccompaniedwithacomplaint.Itisunclearwhytheplaintifffailedtofileacomplaintwiththeoriginalsummonswithyourcourt.
Theplaintiffstatesthatthissaidcomplaintandsummonswasprovidedthroughmethodof:first-classmail,tackingorfirmlyaffixingtothedoor,andcertifiedmail.Todate,mailhasnotbeenreceivedbythedefendantasproposedbytheplaintiff.ItisunclearhowtwoseparatemethodsofmailingthroughtheUnitedStatesPostalServicecannotbevalidated,or,whytheplaintiffhasnotprovidedproofofsuchformypersonalreview.
Additionally,intheOrderRegardingAlternativeService,theplaintiffallegesthatserviceofprocessuponthedefendantcannotbereasonablymadeasprovidedinMCR2.105.Itisunclearofwhytheplaintiffdeemedprocessserviceunreasonable.Ihavenotexperiencedanyissueswithreceivingotherpersonalitemsanddocumentsthroughfirst-classmail.Ihavenotexperiencedanyissuewithreceivingcertifiedmailfromvariousbusinesses.Infact,Ihavenotexperiencedanyissueswiththedeliveryofmailwhileresidingatthisresidence.ItisunclearwhytheplaintifffiledaXXXXRegardingXXXXXXXXwhenanoriginalmethodofserviceneveroccurred.Itisunclearofwhatand/orwhytheplaintiffrequestedanalternativeto.Aalternativewhobeunderthepretensethatanoriginalattemptwasmadebytheplaintiff;whichcannotbevalidated.Again,itremainsunclearofthelogicand/orrationaleofrequestinganalternativemeanstoaneventwhereanoriginaleventhasnotoccurred.Itisveryconcerningthatplaintiffwouldrequestalternativeservicesbeingawareoftheirfailuretomakeanoriginalattempt.
Likewise,thefirstandONLYattemptwasmadeonXX/XX/XXXX.Atthistime,IarrivedhometofindaSummons,SecondSummons,andaOrderRegardingAlternativeServicetackedtothedoorofmyresidence.Thisiswhentheplaintiffprovidedacomplaintandsummons.Thecomplaintattachedwasextremelyvagueinnatureintheclaimsmadeagainstme,thedefendant.Thisfactthatanundated,SummonswasprovidedwithaSecondSummonsindicatesthattheplaintiffdidnotproperlyservetheoriginalsummons.
Infact,itisunclearifthefirstsummonsisvalid;asthissummonsisundatedanddoesnothaveanysignaturetoindicatereviewandacceptancebyacourtclerk.Further,thesecondsummonsfiledbytheplaintiffindicatesthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.Basedontheplaintiffsstatementinthesecondsummons,afirstsummonswouldnotbeneededregardingthesaidtransaction.ItalsoremainsunclearastoWHENthefirstsummonswasactuallyfiled.Thus,providingpossiblerationaleastowhythefirstsummonsisundatedandnotsignedbyacourtclerk;whyacomplaintwasnotprovidedwiththefirstsummons,andwhyacomplaintandsummonswasonlyprovidedwithanOrderRegardingAlternativeService.
Second,theaddressofwhichtheplaintiffimpliesattemptsofduediligenceweremadebyrequestinganOrderRegardingAlternativeServiceonthesamedatethesecondSummonswasfiled.XXXXXXXXXXXXinXXXXhasbeenmylivingaddresssinceXXXX.TheStateofMichiganwillindicatesuchintheupdatingofmyaddresswiththeiroffice.Also,thisaddressiswhereIreceivenumerouspiecesofmailandbillingstatements.Itisunclearaswhythedefendantwouldnotbeabletofindthisaddressandprovidetimelyprocessservice.Iamaregisteredvoterinthisdistrict.Iaminsuredinthisdistrictwiththisaddress.
Third,onthesecondsummonsandcomplaintfiledbytheplaintiffonXX/XX/XXXX,theplaintiffstatedundertheGeneralCivilCasesportionthatthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.TheaffidavitdoesnotprovidefactualproofthisaccountisindeedanaccountIhaveappliedforand/oropened.Itprovidesanundated,oldbillingstatementindicatingimpendingachargeoffoftheaccountpresented.Itprovidesamundated,oldbillingstatementindicatingapastduebalanceoftheaccountpresented.Thereisnosupportivetoindicatedocumentationprovidedtosupporttheaccountbeingpastdue,theallegedamountpastdue,orhowthatamountwasconcludedandcalculated.
Theplaintiffalsoindicatedthisinthefirstsummons.ThisprecludesthestatementsthatANYsummonswasfiledtimelyonthebehalfoftheplaintiff.Itfurtherbringsintogreatquestionthevalidityoftheallegedfiledfirstsummonsthatisundatedandunsignedbyanycourtofficial.Thisalsobringsintotheintegrityofethicsoftheplaintiff.
Moreover,inXXXXofXXXX,theplaintifforiginallycompletedthesaidcomplaintallegedagainstthedefendant.Yet,thefirstANDONLYattempttocontactmeregardingthismannerwasXX/XX/XXXX.
Iagaingobacktotheplaintiffsattempttopresentanappearanceoftimelyandethicalpracticesinthiscase.AsIwasconcernedbytheunethicalpracticesbythisoffice,IbegantodosomepersonaldiscoveryonmyownabouttheXXXX,XXXX,&XXXXfirm.WhatIfoundisthatthisofficeconsistentlyhadmultipleviolatesoftheFairDebtCollectionsPracticesAct.Severalsuits,includingclassaction,havebeenfiledagainstthisoffice,notonlybyconsumers,butbygovernmentagenciessuchastheConsumerProtectionBureau.
Thisisexactlywhatthisofficeissubjectingmeto.Basedonthisinformation,notonlydoIfeelthiscaseshouldbedismissedwithprejudicebasedontheinformationprovided,IhavefiledcomplaintswiththeXXXXXXXXXXXXofMichigan,theMichiganAttorneyGeneral,ConsumerFinancialProtectionBureau,andtheFederalTradeCommission.
NOW,today,Ihavereceivedadefaultrequestinthemailfromthesameoffice,datedXX/XX/XXXX.PleasenotethatthedateofthepostmarkofthemailisXX/XX/XXXXforfailuretoappear.HOWEVER,IwasNEVERservedanypaperworktoeverappearregardingthismanner.IdidsubmitaresponsetotheirsummonsTIMELYonXX/XX/XXXX.However,onceagain,thisofficeunethicallyoperatesattemptingtocollectonadebtthattheyhavefailedtovalidateonSEVERALoccasionswhenthiswasrequestedinwriting.Yetagain,thisofficehasintentionallyfailedtomakeproperandtimelynotificationinattempttoillegalcollectagainstadebtthattheycontinuetoFAILtoproperlyvalidateinaccordancetothelaw.ThepracticesthisofficeutilizesisHIGHLYunethical,deceptive,andillegal.
Inclosing,Idonotagreewiththestatementsoftheplaintiff,ortheirattempttobringforthaclaimagainstmewhichtheyhavemademultipleconflictingstatementsoncourtdocuments.Inthiscomplaint,thedefendantmakesseveralfalsestatementsinregardstoattemptstoservemewithpropernotificationofthiscase.WiththenewestinformationIhaveprovidedaboutthepracticesofthisoffice,Idonotthinkitwouldfairorethicalforthiscasetomoveforward.
|
11/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
On XXXX XXXX, XXXX, I opened a Home Equity Line of Credit with XXXX XXXX XXXX with a limit of {$50000.00} to consolidate 2 of my credit cards- XXXX XXXX XXXX XXXX ( at 8.9 % ) and my Capital One credit card ( at 20.9 % ) - along with my XXXX XXXX XXXX XXXX XXXX ( 8.49 % ). The HELOC I opened is at a 4.99 % XXXX so this only made sense to me to save money on interest.
XXXX XXXX XXXX told me the 2 payoff checks for the credit cards would come in the mail within a week of closing but it took about 3 weeks to finally receive them and according to my Loan Officer, they were experiencing a lot of issues with the mail as of late. This made me feel concerned about mailing out my 2 payoff checks to XXXX XXXX and Capital One in case they were lost in the mail so I decided to just do mobile check deposits, to be safe. My XXXX XXXX mobile check deposit went through fine and the funds were applied to my credit card within a couple of days. When I tried to do a mobile deposit directly to my Capital One credit card, it wouldn't go through. I realized that I most likely needed to have a Savings or a Checking account opened to be able to do mobile deposits so I decided to open a Checking account with Capital One at that point. I transferred {$50.00} from my XXXX XXXX XXXX XXXX to the new account as an initial deposit. Once opened, I did the mobile deposit. There was a hold on the check, which was fine and expected due to the fact that it was a new account and the check was in the amount of {$3800.00}. I deposited the funds to Capital One Checking account # XXXX on Sat, XX/XX/XXXX and the hold was to be in place until XXXX, XX/XX/XXXX. On XXXX, XX/XX/XXXX, the hold was released and I transferred {$3800.00} from the Capital One Checking account # XXXX to my Capital One credit card # XXXX. The next day, Capital One reversed the {$3800.00} I had applied to my credit card and put it back into the Capital One Checking account with a hold on it. I called them the next morning on Fri, XXXX, to find out what had happened. The representative I spoke to said that it was most likely due to the fact that the check was made payable to Capital One with my name only in the memo section noted " S.Guide '' and it wasn't made payable to myself. She said she would just need to call the originating credit union that issued the check, XXXX XXXX XXXX, and confirm the authenticity of the check to release the hold. I was on hold for about 5 - 7 minutes and assumed she was calling XXXX XXXX XXXX. When she came back on the line, she said that Capital One has the made the decision to terminate the banking relationship with me and that I would never be allowed to open an account with them in the future. She didn't explain if she had called XXXX XXXX XXXX or what would happen with the money I had sent in. I was so surprised and asked why but her response was that " ... for security reasons, I can not release this information to you. '' I asked her what would happen to the money I sent in and she said it would remain on hold for now as they investigated it but she did not have a timeline as to how long this would be. I was flabbergasted as I couldn't imagine what would be the cause for concern but figured I just needed to wait. I called back about twice a week at this point for the next couple of weeks just to check in on the investigation but received no answers or explanations. I left voicemails for the Risk Department where I was being transferred to each time because the representatives said they are handling the investigation and would know more ; however, nobody ever called me back.
Then I thought that maybe because it's a new account, they wanted to keep the funds on hold for at least 30 days so I stopped calling and waited until the XXXX day after they had cashed the check ( cashed on XX/XX/XXXX ) and called them on Mon, XX/XX/XXXX. I was directed to the " Risk Department '' of Capital One and spoke to a representative there. I explained to her the situation and told her I could provide all of my identifying documentation to prove my identity and to support my situation, that she could check my credit report to see the HELOC had been opened - whatever they needed to conclude their investigation and release my funds, I would be able to provide. To this, she responded that " Capital One is NEVER going to release those funds to you. You need to have XXXX XXXX XXXX request the funds back. '' I asked her what would happen if they couldn't and she said " They will know how to do it. They will be able to override the system to pull the funds back. '' I then asked her about the {$50.00} that I had transferred over from XXXX XXXX when I first opened the account - if that could be sent back. She said " No, that won't be released until XXXX XXXX XXXX pulls back the funds that are on hold. '' So, I called XXXX XXXX XXXX directly after this and explained this situation to XXXX XXXX there, a financial services representative. She spoke with her supervisor and the accounting supervisor to see if there was anything they could do for me. She informed that because Capital One had already cashed the bank check on XX/XX/XXXX, there was no way for XXXX XXXX XXXX to request the funds back as this item had already been negotiated. So, I called Capital One back after I hung up with XXXX and spoke with who I believe was a supervisor of some sort, XXXX ( XXXX ID # XXXX ), and he was sympathetic but could not do anything regarding the hold. He told me that I should have received written notice about why the funds were being held and what the funds hold policy was but I have never received anything in email or in standard mail. He apologized profusely and said that he would get this notice mailed out but warned me that even receiving this notice would take as long, if not longer, than how long my funds had been on hold ( which at this point was over 30 days ). I was really upset at this point and he explained that the investigation on my check was " almost '' over but he couldn't give me a timeline or a reason for the hold either. It has now been 51 days since Capital One cashed my check and I still have no idea why it was placed on hold or when the funds will become available.
I have attached the following as evidence to support : - My XXXX - XX/XX/XXXX XXXX XXXX XXXX bank statement so you can see that the HELOC was opened on XX/XX/XXXX and the 2 checks to XXXX XXXX XXXX XXXX ( {$1700.00} ) and Capital One ( {$3800.00} ) were cut on XXXX.
- Front and back of the cancelled check made payable to Capital One cashed on XX/XX/XXXX - Copy of my driver 's license - Copy of the Closing and Disbursement page from the XXXX XXXX XXXX proceeds and to show the check was made payable to Capital One from here - XXXX XXXX XXXX XXXX Credit Agreement Thank you for any help or clarification you can provide in this matter.
XXXX XXXX
|
02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
Summary : I am a XXXX XXXX XXXX scholar ; I have been struggling with Capital One for 8 months to receive a large amount of my scholarship money which was refunded to my credit cards with them. I have still not received 97 % of it. As mentioned, I am a scholarship student, living on very tight margins where every dollar and cent matters. I needed this money back in XXXX when it should have originally arrived. This struggle was happening in the midst of a very heavy class schedule and an intense recruiting season as I was preparing for high stress and life-defining interviews. I can not begin to express how much this situation has cost me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Detail : In XX/XX/XXXX, I received a tuition reimbursement because I became a scholarship holder this year. This refund had to be sent back to the credit cards from which I had originally paid the tuition fee back in XXXX of XXXX, due to XXXX XXXX. These were both cards with Capital One. The refund hit the Capital One cards accounts in XX/XX/XXXX. This was a significant amount of money one refund of {$10000.00} and another for {$410.00}.
On XX/XX/XXXX, I called Capital One team to request that these be refunded to me. At that time I was able to get through to a customer service representative who said their system could not bank transfer to me and instead had to send a paper check. I am currently living in the XXXX attending the XXXX XXXX XXXX. The only address where I could receive the check was here in the XXXX. I was very concerned about the check getting lost in international mail but the assistant assured me the check would reach me but could not provide me with any tracking information on the mail. Additionally, the capitalone system would not allow international addresses to be added. The assistant finally was able to change the system to send to a non-UK address after a great deal of time and promised me the check would arrive within XXXX weeks.
By XX/XX/XXXX I was starting to get worried as the check had not arrived and I was moving from that address XXXX. I called but the system proceeded to do this : order of events : it wants last 4 of my card number, it wants last 4 of my social security number, it starts saying info about my account, I say " operator '' over and over, it asks me to tell it what I want, I say " you sent me a refund I did not receive '', then it asks me if this is about the coronavirus pandemic, I say " no '' many times, it says is transferring me to the next available agent, then it says it can not complete my request at this time and that I should call back later. It then disconnects.
At the time I knew there were still a few days left in XXXX and I was busy in the midst of moving preparations and starting a new school year. All through XXXX, XXXX, and XXXX I called again, and again, and again and gotten the same order of events. I finally reached out to your XXXX team, completely exasperated as all numbers I tried ( I am calling US numbers via XXXX XXXX, so it is coming as if it is from a US number ) resulted in the same situation and there was no way to contact the team via email listed on the Capital One website.
On top of not receiving my money, which as a student living on a very tight budget I am in desperate need of, I was additionally trying to change my address in the system since late XXXX and every time I got an error message saying " oops we've hit a snag '' - I was unable to see the address in their system for months.
Then my account started to inform me that they were sending me a new card. I tried and tried to figure out a way to cancel it since I didnt know where it was going! I need to cancel this card immediately as I no longer have access to this address and I tried to change it over and over via this online method that has consistently brought about this error and I couldnt get in touch with a customer service representative.
I called the XXXX customer service team which said they were unable to access my acocunt or patch me through to the US service team. They gave me an email address - I sent a description of the whole situation to this email address only to eventually receive this message back : To Our Customers : PLEASE NOTE this is a Capital One email address that is intended for internal use only. It is NOT for customer account servicing correspondence. If you require assistance regarding your account, please call our main support number XXXX or call the number on the back of your card. For additional contact numbers, please visit www.capitalone.com/contact.
I reached out to my XXXX classmates who had worked for Capital One - they suggested I post on XXXX which I did - my post was never responded to or even approved publicly.
Events since the above : XX/XX/XXXX - I still could not get through via phone so I arranged for a friend of mine in the USA to call in and conference call me in so I could finally get through to the customer service team. This took 3 hours of time, speaking with multiple representatives the first representative said she sent the checks but then there was no record on my account when I insisted on talking to someone about getting a phone number I could actually reach people by. When I got to that more senior person he didnt see any record of it on my account and had to send the checks again.
At that time they said the checks would arrive by XX/XX/XXXX. They of course did not arrive.
XX/XX/XXXX I call in AGAIN. They say the checks are on their way and the latest they should arrive is XX/XX/XXXX.
XX/XX/XXXX of course the money doesnt arrive XX/XX/XXXX I call AGAIN, insisting the manager must send me a bank transfer and drop this check charade. The manager sanctions an ACH to my account and says the latest it will arrive in my account is XX/XX/XXXX. He says he will credit {$100.00} to my account in slight recompense however this doesnt even begin to make up for the time, stress, and 10 % gains I could have made by investing this money back in XXXX as I originally intended to do. Investment alone would be {$1100.00} and for my time and stress it should be even more. I am unable to access my online account to see if this is there, per the below my online account is continually plagued by unexplained IT issues and my passwords continually do not work no matter how many times I reset them.
XX/XX/XXXX the {$410.00} arrives in my account but not the much larger and more material {$10000.00}.
XX/XX/XXXX the {$10000.00} still has not arrived in my account. I also am still unable to access my online account.
All of this was happening in the midst of a very intense recruiting season as I was preparing for high stress and life defining interviews in addition to balancing class and other commitments. I can not begin to express how much this has cost me.
|
06/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
In about XX/XX/XXXX, I called Capital One Protection Payment Department because I received an email that my Payment Protection was being cancelled. As a result, I requested that Capital One activate my debt cancellation benefits due to my Permanent XXXX. The representative asked if I was applying for Social Security XXXX Benefits for my permanent XXXX and I informed the Capital One representative that I was in the process of applying for Social Security XXXX Benefits for my Permanent XXXX, but I had already put Capital One Payment Protection Department on notice of my permanent XXXX and invoked my debt cancellation benefits back on XX/XX/XXXX. I was told by the Capital One representative that since I had already made Capital One Payment Protection Department aware of my permanent XXXX and activated the debt cancellation benefit that when or if I was approved for Social Security XXXX Benefits all I needed to do was send in the Social Security Award Notice and my Capital One debt cancellation request would be approved. The representative also stated that they would mail me the Permanent XXXX Benefit Activation form if I wanted my doctor to certify my permanent XXXX, but I had to authorize a comprehensive medical release and based upon who ever reviews my medical records I could still be turned down so its best to send in the Social Security Award Notice for guaranteed approval. The Capital One representative reassured me that since I had activated the debt cancellation benefit prior to XX/XX/XXXX, all I needed was the Social Security Award Notice for debt cancellation approval.
In about XX/XX/XXXX, I called Capital Ones Payment Protection Department and informed the representative that I have a Permanent XXXX and I would be applying for Social Security XXXX Income Benefits for my Permanent XXXX next month prior to XX/XX/XXXX. I explained to the Capital One representative that I already activated the debt cancellation benefit in XX/XX/XXXX and XX/XX/XXXX, but I wanted to make sure that I do not experience any problems with my debt cancellation request after the Payment Protection Plan cancellation.
In about XX/XX/XXXX, I called Capital Ones Payment Protection Department and informed a representative that my attorney applied for Social Security XXXX Benefits on my behalf and I wanted to make sure that I do not experience any problems with my debt cancellation request after the Payment Protection Plan cancellation. I explained to the Capital One representative that I was informed that my final approval or denial for Social Security Benefits could take up to two years. Once again, the Capital One representative reassured me that since I had activated the debt cancellation benefit prior to XX/XX/XXXX, all I needed was the Social Security Award Notice for debt cancellation approval.
On XX/XX/XXXX, during a recorded phone call I contacted Capital One customer service because the Capital One Payment Protection department phone number re-directed me to do so. I explained to the Capital One customer service representative that I was calling to get the fax number so that I could fax over my Social Security XXXX Award Notice from the Social Security Administration for my debt cancellation approval. The Capital One representative informed me that Capital Ones Payment Protection Plan had been cancelled and I had until XX/XX/XXXX to activate the benefit. I informed the Capital One representative that I had indeed activated the Capital One Payment Protection plan debt cancellation benefit before prior to XX/XX/XXXX and there should be notes in Capital Ones system about my debt cancellation activation. The customer service representative transferred me to XXXX and she identified her Capital One job title as the Floor Account Supervisor. I explained my debt cancellation benefit activation prior to XX/XX/XXXX to XXXX and XXXX stated she worked in the Payment Protection area previously. XXXX made the following statements to me regarding Capital Ones Payment Protection Plan : 1. ) They can no longer review information and the information is gone and decommissioned.
2. ) My Capital One account did not offer payment protection.
3. ) The Capital One Payment Protection Plan Product did not offer debt cancellation.
4. ) The Capital One Payment Protection Plan did not have a benefit for permanent XXXX.
I informed XXXX that : 1. ) My Capital One account was enrolled in Capital One 's Payment Protection Plan 2. ) My Capital One account that was enrolled in Capital One 's Payment Protection Plan did offer a debt cancellation benefit ( last 4 digits of my card number on the form ) and that I had the Permanent XXXX Benefit Activation Form 3, ) My Social Security XXXX Award Notice stated that my permanent XXXX began on XX/XX/XXXX until present.
XXXX then said okay, that's what I needed to know and she placed me on hold but when XXXX returned to the call she continued to make up false reasons why I am not entitled to my debt cancellation benefits I paid for while enrolled in Capital One 's Payment Protection Plan. The phone call soon ended.
On or about XX/XX/XXXX, I called Capital One customer service and explained all of the aforementioned information in this complaint. After being placed on hold, the customer service representative told me to fax my documentation to XXXX. On XX/XX/XXXX, I faxed the Permanent XXXX Benefit Activation Form and Social Security Award Notice to the aforementioned fax number.
On XX/XX/XXXX, I received a generic response from Capital One regarding not being able to locate my account.
On XX/XX/XXXX, I called Capital One customer service again to check on the status of my Capital One Payment Protection Debt Cancellation benefit request and I explained to the customer representative all of the aforementioned information I have presented in this complaint. The customer service representative eventually transferred me to the supervisor by either the name of XXXX or XXXX and she identified her Capital One job title as Senior Account Supervisor. I informed the supervisor that I was recording the phone call and I was told by the supervisor if I was recording the phone call she could not speak with me. I informed the supervisor XXXX or XXXX that I have a XXXX under the XXXX ( Americans with Disabilities Act ) and the phone call was being recorded for my memory XXXX ( in order to remember ). The supervisor stated if I am recording the call she could not talk to me. I asked the supervisor to reasonably accommodate my XXXX by allowing me to record the call so that we can discuss my Capital One Account and she refused my reasonable accommodation request and disconnected the call.
On XX/XX/XXXX, I faxed back the information requested in the Capital One generic response dated XX/XX/XXXX.
I will forward digital recordings upon request.
|
05/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
On or about XX/XX/XXXX of 2022 I opened a checking account with Capital One via my cellular device and internet. I proceeded to have my fianc, whom at the time had most of my money send me via XXXX two transactions of XXXX as repayments. And to this very day both transactions remain in good standing not she nor her banks have flagged either one of those initial transactions as bad, fraudulent, etc. A few days later I attempted to make an online purchase. That purchase did not go through, so I decided to reach out to capital one customer service in an attempt to figure out why my transactions were not going through and during that time they were extremely vague and advised me that I needed to come to an office to verify my identity. At the time I was in the process of waiting for my new identification card to come in then mail and that was the only form of identification capital 1 was accepting as being valid during that time. So until I was able to receive mine in the mail, I was not able to go in to a branch to verify my identity. Keep in mind capital 1 is primarily an online only bank as far as Californians is concerned. However In the meantime of obtaining my id, I received XXXX payments over the next few months most of which were reimbursements for labor and or materials and such from clients that I being the handy man I am had previously performed work for. Which I had done during covid when every extra penny helped. Also some of the payments were from close friends as well. So their payments consisted of but werent limited to : refunds for travel and past trips and meals, or activities that I had previously covered. Etc ... some of the payments I can hardy remember given the fact that its now XXXX entire year later I dont think anyone remembers every transaction made to their accounts a year later. Around or about in XXXX I tried to withdraw some of the money which I was unable to do. Upon reaching out to capital one they informed me that there was now an investigation going on with my account and that they had actually closed my account and ended the banking relationship with an account balance of XXXX altogether. I have called them every day for months its now been a full year later and they never tell me anything other than being very rude and vague with me telling me they arent disclosed to discuss anything with me so I ask for someone who I can speak to and then they begin transferring me to the next person who then transfers me again until finally one of them directs me to a voicemail and to leave a message. I have left probably close to 100 voicemails with their investigation team which they always direct me to. Not once have I ever received a phone call back. I have told the and left voicemails that I am late on my Bills and rent bc they wont help me. None of them show any sort of concern or sympathy. They are all like robots who read a script and show no ability to be able to solve problems or at the very least show some sort of empathy. They never try to help instead they just forward me to the next. I dont even get treated like a human being. They will never answer my question what I did wrong they say the only one who can speak about it is the investigator which they refuse to put me in direct contact with. I have gone down to one of there physical locations that they refer to as a cafe with the individuals who have sent me money so they can verify that these transactions are valid and still they will not release my funds. They never notified me of any closure of any account. Not by mail or by any means. One of their representatives actually told me they froze my account because I logged in with a VPN a virtual private network which is a program I choose too annually pay for which is 100 % legal and for my own personal protection when surfing the web as it is used to prevent hackers and viruses. Ive been very patient to allow them to do their investigation but the last time I called the representative told me they will not be releasing any funds for no reason other than the fact that I have not brought every single person in to one of their branches. I literally had 7 or 8 individuals take time out of there busy lives to go down to there bank to acknowledge that they did send me that money and still nothing changed, and they will still not release my funds. they had closed my account before a majority of those transactions were even sent. Why did they allow transactions TO GO THROUGH A CLOSED ACCOUNT All the transactions on my account are valid. FROM THE MOMENT I RECEIVED ANY SORt OF MONEY TO THE ACCOUNT ALL THE WAY UNTIL NOW XXXX MORE THAN A YEAR LATER NOT ONE SINGLE TRANSACTION HAS BEEN DISPUTED THERE FOR SHOULD AUTOMATICALLY LET THEM KNOW THE FUNDS ARE INFACT VALID Not one single person has disputed that they have not sent me money. Every time I call, they are extremely rude because they can not provide me any answers of why this happening because I have done nothing wrong instead they send me thru the same loop hole instead of actually doing their job and helping out a worried customer. Last time I checked people can use XXXX to send money. It has been months now if someone was going to dispute these XXXX transactions they would have done it by now. I am in contact with most of the Individuals who have sent me money so I can provide their names and phone numbers if needed I tried time and time again to prove my case and they just completely ignore all of it. I haven't done any fraudulent activities with this account, and I wish for them to release my funds immediately. This company should be shut down because they're a bunch of criminals I lost my house, and my car has been repossessed because I was unable to make the payments. I have done nothing to receive this type of treatment. They won't return my calls they won't let me prove that all the transactions are in fact legitimate instead they close my account with no notice and refuse to release the funds. Now they have withdrawn all of the money that was in the account. Where did it go? I did not receive it. They are literally stealing my hard-earned money and I would like it back imediatly. I can prove a XXXX times over that all of these transaction or legitamate. Them of which will not have one single reason for all of this damage other than me using a VPN and providing a wrong address on accident ( I live between 2 houses ) .Please help me get what is rightfully mine. My family has gone through so much damage because of this bully of a bank and thats exactly what they are, a big bully that steals money FOR NO REASON!!!! They wont even give me an address to where I can send them documents. So far my patients has gotten my absolutey no where and I would like them to return all of the money they have taken that I have received from family and friends.
|
10/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
I am a Walmart card holder. Walmart card was controlled by XXXX XXXX Several months ago I noticed that my interest rate in my billing had been raised? I had received no notice. Then hints of Capital One being around?
My Monthly bill, that I have always paid online, was due on XX/XX/2019. I paid the bill online on my Walmart account page on XX/XX/2019. I received a confirmation from Walmart that morning,XX/XX/2019 at XXXX, that confirmed that the bill payment had been accepted and would be provided to my account on XX/XX/2019.
As I always do with my card payments I follow my checking account online to make sure all my credit card accounts are paid for.
No Walmart payment clearance on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX?
On XX/XX/2019 I received a notice from Capital One that my payment to my Walmart account was overdue?
This was news to me that I would receive notice from Capital One about my Walmart card?
I placed a call to Capital One which of course lead to poor phone reception in the XXXX. XXXX the customer service rep could offer no explanations, except that the change from XXXX XXXX to Capital One had caused a blackout from XX/XX/2019 to XX/XX/2019.
Notice the convenience of the time period of the blackout? My payment online date and my due date.
XXXX ( Capital One customer service ) attempted to explain poorly that the easiest way for me to take care of this was to make another payment without regard to investigating what had happened to my payment that was guaranteed by Walmart. His only conclusion was that I had not made a payment since it was not showing in my checking account and he would be glad to handle a payment for me via phone. I became enraged as I saw this as a way to shake money out of me without attempting to resolve the issue? He did as threatened and hung up the phone on me. Deserting from the performance of his job. Phone reception was terrible, talking with Philippine operators sounding like they are talking in a fishbowl. I called again and with this operator ( XXXX ; fishbowl distortion ) I requested to speak with someone in the US. I was transferred to XXXX in VA. Explained the situation and was again given the same run around. She would assist with me making another payment. Again stating that I had already made a payment and where was it ; the fact of the blackout was introduced again? I again restated that I had confirmation of payment but she stated that since had not been pulled from my account that the payment most likely had been lost? The person XXXX had no proof that this was a result? I stated that if there was a B/O on XX/XX/2019 then how was I able to receive a confirmation from Walmart that payment had been made. Silence followed by do want to make payment arrangements or not? I became infuriated as Capital One customer service was proving that they would not take steps to investigate what happened to my payment and if I had confirmation of payment why wouldn't the payment be applied to my account?
Also during these conversations there were constant references by me as to why was Capital One in the picture and was told that mailings and emails had been sent saying that this change was taking place.
I have received nothing in mail? I have checked back emails. I have nothing. No notices what-so-ever?
In my anger I threatened to contact FTC! That brought responses. I was informed I was being transferred to a supervisor. A threat finally got a response. That's poor business.
So now the 5 minute wait for a supervisor. This is nearly 45 minutes on the phone now.
XXXX came on the phone ; a supervisor. " Oh this shouldn't have happened to me. Oh we can straighten out this matter. I can understand your anger '' XXXX again reiterates that notices were provided to customers.
I deny that I have received anything?
He says with the B/O, what the problem has been, that with the Indigenous People holiday, everything has been thrown off by two days.
I don't understand what that means?
XXXX can't understand how I received confirmation of payment when a B/O?
( I read the confirmation I was sent, to him ).
I don't understand or care of their screw-ups.
He says correspondence has been sent out?
I say I have received nothing ... ... silence on other end of phone?
Finally XXXX says well best for you to wait two days and this should be resolved as we should have the payment.
I state but your customer service people were trying to get me to make a payment over the phone.
He states " Oh that's not necessary. Your payment should clear in two days.
I say ; " that's what you say. Then your customer service people were attempting to get an additional payment out of me. Trying to get me to make a payment without an investigation of the previous payment ''.
XXXX states " they shouldn't have done that ''?
I agree.
I ask were they ( customer service ) or have they been informed of this blackout problem?
His return answer is " I don't know ''?
This response made me so angry. It shows the lack of business professionalism that is rampant in companies with these overseas operators.
No responsibility is taken and a lot is lost in the language barriers.
I say so what do we do?
He responds we wait the two days?
Again that does not address my issue to resolve this problem with me having a confirmation of payment.
Afternoon of XX/XX/2019 I finally receive an email announcing that Capital One and Walmart have combined credit card.
I have a contract with Walmart ; I have not agreed to a contract with Capital One?
My due date since being with Walmart has been XXXX of each month.
Capital One changes my due date to 19th of month without my permission or any discussion or correspondence.
I am very against Capital One. I find them to be an underhanded corporation. I have an auto loan with Capital One plus another credit card, both of which I have been very disappointed with. My goal as been to pay off both and be done with Capital One but Walmart has done a backdoor deal with them going around it's customers and treating their customers with great disrespect. Now I have another Capital One credit card that I don't want.
Fraud comes to mind as two different customer service people were trying to get another payment out of me. So in conversation with XXXX I would have been out two payments because of lack of communication between Capital One employees. That's fraud.
XX/XX/2019. I go to my local Walmart to make a purchase using my Walmart card and find it is denied. I go to customer service desk enraged to find that the employees of Walmart have not been informed of the change or the B/O. The Walmart employees have been suffering for several days as people have approached them enraged that Capital One is now a credit card of no choice for Walmart.
This is all highly suspicious?
|
01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This report is to make the bureau aware of the fraudulent and deceptive practices of both Capital One Bank and an individual attorney alleging to be their authorized representative but refusing to prove agency upon request. Said attorney is operating under the name XXXX XXXX XXXX and claims to be an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be the representative of Capital One ( which in XXXX is not possible in small claims as an attorney can not represent a corporation unless he is a full time employee, shareholder, partner, or board member. Capital One is refusing to cooperate and acknowledge that he is any of these, and I have reason to believe in do believe that that is because he is not. The person I spoke to in a Minnesota branch that deals with law enforcement for Capital One Bank did however confirm for me that they have no employees physically located in the state of Kansas, which confirms my suspicions to an extent that is satisfactory for me and will be for the judge as well hopefully.
I have been harassed and abused through deceptive means by this company and only wish for my rights to be acknowledged and protected as set forth by XXXX.
The following violations and assertions apply both to the fraudulent and XXXX XXXX Capital One Bank USA and to the voluntary debt buyer and parasite collector XXXX XXXX XXXX, as well as his alleged employer law firm XXXX XXXX XXXX XXXX
False affidavits have been submitted to a court of record by XXXX, as well as untruthful and damaging defamatory statements implying through libelous slander that I am violent and dangerous. Nothing could be in fact further from the truth. The only dangerous party concerned in this matter is the liar bringing these claims.
As a result of this collections lawsuit I have suffered a divorce and lost employment with an amazing company that I will very much be unlikely to replace or regain. I am in the process of having my vehicle repossessed and will soon be foreclosed on by my mortgage company. This is a direct result of the actions of Capital One Bank when selling my personal and private information without my consent or permission and subsequently the debt collector, both firm and attorney.
I would like to take this opportunity to note that all of the actions of XXXX XXXX XXXX XXXX have taken place due to and because of the actions of Capital One and therefore they are both holding liabilities and responsibility of one another for the following ; 15 U.S.Code 1692b ( 1 ) 15 U.S.Code 1692b ( 2 ) 15 U.S.Code 1692b ( 5 ) 15 U.S.Code 1692c ( a ) 15 U.S.Code 1692c ( b ) 15 U.S.Code 1692c ( d ) 15 U.S.Code 1692d ( 2 ) 15 U.S.Code 1692d ( 4 ) 15 U.S.Code 1692d 15 U.S.Code 1692d ( 1 ) 15 U.S.Code 1692e ( 1 ) 15 U.S.Code 1692e ( 2 ) 15 U.S.Code 1692e ( 3 ) 15 U.S.Code 1692e ( 8 ) 15 U.S.Code 1692e ( 9 ) 15 U.S.Code 1692e ( 10 ) 15 U.S.Code 1692e ( 11 ) 15 U.S.Code 1692e ( 12 ) 15 U.S.Code 1692f ( 6 ) 15 U.S.Code 1692g 15 U.S.Code 1692g ( a ) 15 U.S.Code 1692g ( c ) 15 U.S.Code 1692h 15 U.S.Code 1692i ( a ) ( 2 ) 15 U.S.Code 1692i ( b ) 15 U.S.Code 1692j 15 U.S.Code 1692k ( a ) ( 1 ) 15 U.S.Code 1681 ( a ) ( 4 ) Have caused cra 's to violate 15 U.S.Code 1681 ( b ) 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681a ( q ) ( 3 ) - Identity Theft definition, similar to REG V 12 CFR 1022.315 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 U.S.Code 1681g ( f ) ( 2 ) ( A ) ( i ) 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S.Cod3 1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}.
15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q Truth in Lending- 15 U.S. Code 1611 15 U.S. Code 1635 15 U.S.Code 1666 ( e ) 15 U.S.Code 1666b 15 U.S. Code 6801 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S. Code 6821 ( a ) ( 2 ) 15 U.S. Code 6823 ( a ) 15 U.S.Code 77q 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations.
18 U.S. Code 3571 - Sentence of ( Cost of each ) fine 18 U.S. Code 1001 - Falsified documents 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Color of law, deprivation of rights.
18 U.S. Code 894 - Collection of extension of credit by extortionate means 18 U.S. Code 1028 - Fraudulent use of identification documents 18 U.S. Code 1028A - Aggravated identity theft 18 U.S. Code Chapter 96 - Racketeering 18 U.S. Code 894 - Harming reputation of consumer by extortionate means 18 U.S. Code 891 - ( definitions ) extortionate means 18 U.S. Code 657 - Remittance enforcement 18 U.S. Code 876 - Mailing threatening communications 18 U.S. Code 1341 - Fraud and swindle someone with a false loan 18 U.S. Code 1342 - Fictitious Name of Address 18 U.S. Code 1343 - Wire Fraud 18 U.S. Code 1344 - Bank Fraud 28 U.S.Code 1746 28 U.S. Code 3002 ( 1 ) ( B ) 31 U.S. Code 3718 31 U.S. Code 3711 ( e ) ( 9 ) 16 C.F.R. 433.1 ( d ) 16 C.F.R. 433.1 ( e ) 16 C.F.R. 433.1 ( f ) 16 C.F.R. 433.1 ( g ) 16 C.F.R. 433.1 ( j ) I am invoking my right to 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ) and 16 CFR 433.3 Sacrifice is the measure of credibility.
( The affidavit must be under oath to be valid ) A matter must be expressed to be resolved. ( No attempt to contact me was made by either party and attempts were made by XXXX XXXX XXXX XXXX to sidestep my due process rights through untruthful statements of XXXX made by the process server ) Documents had been filed into the collections case by XXXX XXXX XXXX fraudulently while not serving me copies of the claims ( as required by the rules of civil procedure, and by pretending falsely to be the authorized representative of Capital One Bank which upon request of proof of agency is STILL not confirmed in any way nor proven to be correct or factual ).
In commerce, truth is sovereign.
( The truth is the law of the land, it is unlawful to lie ) I am moving to court to determine Council to be a vexatious litigant, which will hopefully bar him from participating in any suits in my state for the rest of his life.
Upon request Capital One refused to prove any licensure which would allow them to conduct business in the XXXX XXXX XXXX
My apologies if any of this information is incorrect, but it is my belief to the best of my understanding and knowledge that it is all accurate and truthful.
Feel free to contact me about any questions or discrepancies you might have. I am more than willing to cooperate in your investigation.
This matter needs to be resolved promptly, as it has already cost me literally everything of value that I once had in my life to be proud of. Clearly the damage has gone far beyond that of mere XXXX XXXX and harm and well into the arena of negligence and malfeasance.
|
01/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
STATEMENT AGAINST CAPITOL ONE BANK XXXX : Account ( now closed ) On XX/XX/2022 I was routinely scheduling new bill payments online from XXXX Bank XXXX XXXX checking account when I noticed a shocking error Id made re an upcoming Capitol One credit card payment normally due on the XXXX. Normally, I schedule payments XXXX or XXXX days before the due date, sometimes earlier if the due date is on a Sunday and, while inspecting my upcoming bill payments I saw an odd date : XX/XX/XXXX for Capitol One, and we were still in the XXXX bill stage. Id apparently clicked the wrong months button by mistake. ( XX/XX/XXXX statement attached ) It was a XXXX late afternoon, and, though I immediately attempted to change the XX/XX/XXXX date, my bank wouldnt permit payment until XXXX, XX/XX/XXXX, as XX/XX/XXXX was on a XXXX and therefore not a business day.
I quickly telephoned Capitol One, remember it was still XX/XX/XXXX, and when I explained my dilemma with the Capitol One agent, given my long association and solid history of on time payments, the agent reassured me saying there would be no problem so long as the payment reached Capitol One on Monday, XX/XX/XXXX.
The payment in full for {$580.00} indeed posted on XX/XX/XXXX, but I noticed when I checked online that the banks computer automatically charged a past due fee of {$25.00}, as it was presumably programmed to do when a payment is made after the calendar due date even though it was a Sunday.
I called Capitol One and the agent with whom I spoke read the notes written by his colleague when Id called on XX/XX/XXXX and refunded the late charge, and I figured that was that. However, when I noticed my next bill on line ( I was traveling in XXXX ) I saw that there was an interest charge of {$13.00}. I thought it was strange in consideration of the fact that the agents with whom Id spoken were fully cognizant of the circumstances, the first one assuring me thered be no problem if the full payment was posted on XX/XX/XXXX and I called and spoke with yet another agent, who reviewed the notes, agreed the bill was paid and he reversed the interest charge. ( XX/XX/XXXX statement is attached ) The next full bill amounting to {$650.00} was paid on XX/XX/XXXX, which included the {$13.00} interest, which the agent suggested I pay in full, so that there would be no computer-response to a lesser payment, and he assured me that the {$13.00} interest on the XXXX bill would be adjusted in the XXXX statement, which it was.
XXXX, then, my surprise when the XXXX XXXX arrived, and although the {$13.00} interest was adjusted there was a new {$8.00} interest charge, even though the most recent bill was paid on time and the earlier XXXX bill was paid in full on XXXX, XX/XX/XXXX, per the agents XX/XX/XXXX assurance, as XX/XX/XXXX was on a Sunday, a non-business day. ( XX/XX/XXXX statement is attached ) I called Capitol One and spoke to numerous agents, including supervisors in different departments, all of whom could see the history, including the original XX/XX/XXXX notes, and their response, almost robotic was that they could not reverse an interest charge twice within a twelve-month period.
I persisted, explaining that the one-time mistake, which had been cheerfully understood on XX/XX/XXXX before the payment was due, had not been repeated, that the XXXX payment and the XXXX payments were paid in full, that the past due and interest charges had been reversed, so how could a second interest charge be applied on a subsequent bill with no further errors on my part?
The response was quite confusing, and in fairness some of the agents seemed understanding and tried to apply the reversal, but all came back telling me the system wouldnt permit them to do it. To my astonishment at this further charge, they said that sometimes the interest accrues over subsequent bills, which to me seemed bizarre, considering my repayment of everything Id charged, and also the fact that, as the error was understood and forgiven, shouldnt this have been reflected and programmed into the billing cycle?
I got nowhere and told the final agent that if she did not reverse the {$8.00} charge, I would cancel the card. Was it worth it to the company to lose a longtime customer, whose charges benefited the bank as it made considerably more than that in the fees it exacts from the vendors I frequented? It seemed not to be so, and therefore I canceled the card, telling the last agent I would not pay the {$8.00}, only the amount Id actually charged ( minus the cash back reward due me of {$47.00}, scheduled before I canceled the card ) and I paid the remaining balance of {$430.00} on XX/XX/2022, XXXX days early!
The next bill came with the {$8.00} interest charge remaining and indicated my full payment and the credits from the prior statement. I ignored the bill, ( XX/XX/XXXX statement attached ) but was intrigued to note that when I saw the online XX/XX/XXXX statement ( included as a .jpg ) there was not only the {$8.00} interest charge but also an {$8.00} past due fee, which is almost 100 % of a disputed interest charge non-payment, making me wonder what kind of shenanigans Capitol One was up to?
I called the Complaint Department number and spoke to a supervisor, XXXX, the XXXX name I remember. She reviewed my history, going back to the XX/XX/XXXX notes when the agent had assured me all would be fine if I had the full payment posted on XX/XX/XXXX, which it was. She was patient and courteous, but again I was told there was nothing she could do about the interest, refusing my request to speak to her supervisor. She did, however, reverse the {$8.00} past due charge.
I politely informed her that I would not pay the {$8.00} disputed interest charge, and wondered whether more past due fees would be added and added until it was conceivable after, lets say, a year or more that my debt would be in the hundreds of dollars? To that, she had no clue and we ended our chat.
I am not really concerned about my credit report being damaged by a continuing charge of fees by Capitol One, based upon a disputed {$8.00} interest charge, as I presume the various agencies will see that I pay large amounts in full on time on a regular basis. However, I am concerned about whether Capitol One is operating on a legal basis and/or whether it is exploiting credit card fine print, not to mention how it is possible that a problem brought to their attention before a bill was due and seemingly forgiven, witness the immediate reversal of the computer-generated charges, would nonetheless generate further fees even after multiple bills were paid on time or early and always in full.
You might wonder why all this bother and preparation? Its the principle, clear and simple. You might also wonder the same about XXXX Ones intransigence.
|
12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
I am trying to get information that you refuse to send. I have a dispute in place here for my business Spark card but I also have XXXX personal cards that you closed at the same time XX/XX/XXXX. Since XXXX I have been on restricted view unable to see my accounts. I am a paperless customer and you have never sent my statements via USPS.You have blocked me altogether from entering through the app or your online banking portal. This is wrong. You closed all three of my accounts while being paid as agreed and never late. That was in XX/XX/XXXX. When asked why you closed my accounts I was told too many bounced payments. When I asked you to go verify that of course knowing it was wrong I then was told I opened too many disputes. I opened XXXX dispute on my Spark Card and that was at the end of XX/XX/XXXX and by XX/XX/XXXX the money was refunded to me and you took your provisional money back. A well executed text book handled dispute. The Company was Spoiled Child. I have tried to explain my thoughts on the disputes that were opened by YOU. XX/XX/XXXX at around XXXX I was siting with the watch commander of the XXXX XXXX My computer had been hacked and the money in my personal account had been turned into crypto currency. While filling out the police report he suggested I call the furnishers of credit. Being that i put all my eggs in one basket and had both my personal and business cards with only Capital One I phoned as a courtesy and shared what transpired I also made it very clear that none of my cards had been affected. But thought you should know on the off chance something did transpire. From that 4 minute phone call all XXXX broke loose. It wouldn't be until XXXX and my vendors were reaching out and saying they were not going to be paid. XXXX said your financial instituton has begun chargebacks and disputes. Now if I had a dispute and it was through XXXX I would have them dispute the charge I would take care of that I would not expect that you would go to XXXX on my behalf and without me knowing but that is what you did. XXXX could not close the disputes that had to come through you. And even thought i phoned and asked how this started and to stop it you continued right on going. What this did was force me to pay those people places and things by other means. Which is what I have done. You Executive team sent me a letter saying that they did not open disputes and no charge backs occurred. That is not true or correct. Many of the things the Executive Team had in their letter was wrong. Dates, what transpired and when it transpired. They even said that in XXXX when they finally realized an in-house mistake was made that you opened up my XXXX accounts again. That is not true of correct either.What you did was close my accounts and within 24 hours you had reported my accounts closed to all three credit bureaus. My FICO went from XXXX to XXXX overnight. I lost a parent loan for my XXXX XXXX, I was turned down by creditors, my credit limits lowered on my XXXX card and you left me unable to secure another XXXX. And to date I am unable to secure any credit. You took my good credit and you ruined it overnight. Your Executive Team seems to think they fixed the incorrect reporting with all three bureaus. Or, at least thats what a letter says. I was on the phone with each CRA yesterday and not a single person at Capital One has made the attempt to fix what was ruined by you. In fact there are not many things that you have gotten right with this. Your letter states dates and time when you think things occurred and you are very wrong. You have tried to twist this and turn it into a me problem.When it's a you problem. I have been fighting this for a year and my last letter to you like all the others sent before it, has been sent certified mail USPS. My last letter to you was XX/XX/XXXX. My last call 7 days ago. I have been sent to collections for my Spark card but after showing the collection agency my paperwork they sent me back to you. Why?? because there is nothing to collect on. My XXXX personal cards are the same. but I cant seem to find where they are. You have refused to send me statements, you have refused to pull the restricted view on my accounts and I have no clue how I am supposed to see whats going on when you don't want me to? That is clear. I have noticed for the 4 days I was allowed into the app in XXXX things did not look the same. When I brought that to the powers that be I was closed out once again and never allowed to enter the system again. I have sent you proof of the people places and things being paid I have asked you for every statement on both personal accounts and proof that I owe. To date I have never received either. I have sent the CEO of Capital One and the VP of Fraud many emails with the attachments that you were sent via USPS. And I know that both are opening my emails I have a tracker I know that when the letter arrived it mentioned me reaching out the the CEO so I know my attachments are there.. You have gone way past the XXXX billing cycles getting me the answers and my proof. You run on Capital Ones time. I have asked you to post my store returns where the original source of payment has been credited and what did you do about that?? You sent me dispute paperwork. The dispute is with you not with XXXX or XXXX. I have given you the return transaction numbers, along with the dates. And nothing changes.The mistakes are endless .You have only issued to me XXXX Capital One credit cards one Spark ending in # XXXX and XXXX personal # XXXX and # XXXX. So why are there charges on other card numbers I have never activated or used? You have never reopened any of the accounts like your letter states You have never cleaned up my credit like you letter states. But you need to do this now. You have failed to follow the Credit Card laws and I am really suffering because of your endless lies. Do you know that there is a number you posted on all three of the CRA stating that if a future creditor wanted to find out why you had closed my accounts in good standing they could call you. I called and what you said about me was taped but also not true. I would like you to put the store credit where they belong put all my payments onto the accounts where they belong credit the money I paid to the people and places you refused to. and then send me a copy of all the statements. I can tell you know if you do this correctly you will owe me money at the end. I have sent you a few credits that should be posted as well as chargebacks ruled in my favor I have sent you the dispute form you sent me when I asked you to post XXXX credit and you made it a new charge. I have sent you copies of the original payments made and of course you have been sent everything numerous times its too much to post it all here.
|
11/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Dear Consumer Financial Protection Bureau I am writing you to explain fraudulent activity that Capital One Bank was instrumental in allowing thieves to take advantage of me and they should be instrumental in correcting the wrong.
The details of this fraudulent crime affects my Capital One accounts, XXXX and XXXX XXXX. Please keep in mind I have called Capital One 13 times and have written Capital One three times and have sent the letters certified and faxed them to their Fraud Department. The letters were dated XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX The Capital One case numbers are available upon request.
In XXXX, I was searching for a new job. I received an email from a company stating that they had reviewed my resume on XXXX and was interested in me. The company name is XXXX XXXX XXXX ( EMV ) and was a subsidiary of XXXX XXXX. They were opening branch offices in the USA. They sent me a company information package. I did some research on the company and believed it to be legitimate.
I was working with their representative XXXX XXXX, located at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. Her phone number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX On XX/XX/XXXX, they extended me an offer as a Regional Manager for XXXX & XXXX XXXX XXXX. My start date would be XX/XX/XXXX. I would be on a two week probationary period and after that time I would be issued a corporate credit card.
So that I would not be out any money, during the first two weeks, they would supply me with account numbers and routing numbers to make purchases on their behalf. I would post payments to my credit card account and then make purchases locally and send the items to their main headquarters in XXXX.
I decided to initiate my first transaction. They sent me the XXXX XXXX bank information. I called XXXX XXXX to insure it was a valid account and XXXX XXXX confirmed it was. I made a deposit of {$13000.00} into my Capital One XXXX account on XX/XX/XXXX
I confirmed my online account information reflected that the deposit had been made ; I also called Capital One onXX/XX/XXXX at XXXX XXXX MST to insure that the deposit had posted and funds were actually available for use. Capital One assured me that the funds did post and the funds were available for use.
I proceeded to make the purchases requested from XXXX. I used both my XXXX and XXXX. I also checked with Capital One to insure everything was OK. Again I was assured everything was fine and the funds were available for use. My online accounts also reflected that the deposits had posted, reflected deposits paid and funds were available. The notations were quite clear that the deposits were PAID. They were not pending, but PAID.
I then received information stating that the deposit from XXXX XXXX was returned. I immediately contacted XXXX. They assured me that everything was fine and was a clerical error. They told me to use a CHASE account number. Again, I contacted CHASE to verify the account and contacted Capital One who assured me that everything was fine and Capital One had the deposit.
Shortly after Capital One reassured me that everything was fine I completed the purchases and sent the items to XXXX as instructed. I would have never completed any purchases unless I had the confirmation from Capital One that the deposits had been made, were paid, and were available for use.
I got in contact with XXXX XXXX fraud departments as soon as I received additional deposit returns. I have records noting deposits paid and available balances.
I also reported this to the FBI and FTC and had the FTC report numbers added to my account transcript. I have also notified the Secret Service, XXXX Police Department, and the Arizona Attorney Generals office.
I called Capital One thirteen times and talked to several people from XX/XX/XXXX through XXXX. Here is a partial list of the people I talked with.
Person Date XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont think I acted irresponsibly since I had the assurances from Capital One that the deposits had posted and the funds were available, confirmed by phone and online account information.
Here is a list of the deposits, returned payments, & fraudulent charges made under this crime that Capital One helped complete.
Capital One Deposits : XXXX XXXX ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) a XXXX card ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) b XXXX card ending in XXXX deposit onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) c XXXX card ending in XXXX deposit on XX/XX/XXXX for {$12000.00} ( XXXX XXXX ) d XXXX XXXX ending in XXXX deposit onXX/XX/XXXX for {$4200.00} ( XXXX XXXX ) e XXXX XXXX ending in XXXX deposit on XX/XX/XXXX for {$4100.00} ( XXXX XXXX ) f Capital One Returned Payments : XXXX XXXX ending in XXXX returned onXX/XX/XXXX for {$13000.00} ( XXXX XXXX ) a XXXX card ending in XXXX returned on XX/XX/XXXX for {$13000.00} ( XXXX XXXX ) b VISA card ending in XXXX returned onXX/XX/XXXX for {$13000.00} ( XXXX XXXX XXXX c XXXX card ending in XXXX returned on XXXX for {$13000.00} ( XXXX XXXX ) d Master Card ending in XXXX returned onXX/XX/XXXX for {$4200.00} ( XXXX XXXX ) e Master Card ending in XXXX returned onXX/XX/XXXX for {$4100.00} ( XXXX XXXX ) f Fraudulent Purchases : XXXX XXXX ending in XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) charges for {$2000.00} each = {$6000.00}XX/XX/XXXX XXXX, ( 1 ) charge for {$200.00}, ( 1 ) for {$500.00}, ( 1 ) for {$1000.00}, ( 2 ) for {$2000.00} = {$5700.00} XX/XX/XXXX Home Depot, ( 1 ) charge for {$500.00}, ( 1 ) for {$1000.00} = {$1500.00} XX/XX/XXXX XXXX XXXX, ( 1 ) charge for {$3000.00} = {$3000.00} XX/XX/XXXX XXXX XXXX, ( 1 ) charge for {$10000.00} = {$10000.00} Fraudulent Purchases : XXXX XXXX ending XXXX XXXX/XXXX/XXXX - On XXXX XXXX ending XXXX to XXXX for {$4200.00} I hate to say this but Capital One flat out lied to me. They also misrepresented the status of my accounts and have aided in perpetuating fraud in the credit card industry.
Here are the reference numbers of my filings : Capital One Reference/Case Numbers : Upon request Federal Trade Commission File Numbers : Upon request Arizona Attorney General File Number : Upon request City of XXXX Police Department Report Number Upon request Additionally, the FBI and U.S. Secret Service were notified however their case numbers were not disclosed to me.
Again, Capital One lied to me and misrepresented the balances of my accounts, repeatedly. Capital One seems to be perpetuating this type of fraud by misrepresenting the status and balances of their customers accounts.
I would like Capital One to treat the charges listed above as fraud charges/cases, credit my account for these charges, and reinstate my accounts and balances to the status prior to the fraudulent activity.
|
04/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
Summary of Facts Related to Case Number : XXXXwith Capital One for the sum of {$10000.00} FACTS On XX/XX/2019, a purchase of tickets for a visit to XXXX XXXX and XXXX XXXX in XXXX, XXXX, for the amount of XXXX Euros and XXXX Euros ( XXXX Euros total ) was made to XXXX XXXX. A purchase of tickets for the amount of XXXX Euros was also made to XXXX XXXX.
When the charges were posted to the account on XX/XX/XXXX, I noticed that the amount resulting for the conversion from Euros to Dollars was higher that it was supposed to be. I was charged {$100.00} for XXXX XXXX, instead of {$100.00}, and for XXXX XXXX, I was charged {$34.00} instead of {$33.00} ( Please see # 1 on the list of transactions included in Attachment # 1 ).
Both discrepancies were disputed and credits for both transactions were issued on XX/XX/XXXX, while the dispute was under consideration ( # 2 ).
On XX/XX/XXXX, instead of being charged {$100.00} for XXXX XXXX tickets, I was charged {$10000.00}, which was an error made by Capital One while converting the amount from Euros to Dollars ( # 3 ).
Also, on XX/XX/XXXX, the right amount, {$33.00} for XXXX XXXX was charged to the account ( # 4 ).
I disputed the charge at Capital One and contacted the merchant to request the cancellation of the tickets and the refund of the amount charged ( refer to the copy of the email sent on XX/XX/XXXX ).
I was also required to upload all the documentation related to the transactions at its system using the link provided by the representative who was handling the dispute at that time. A case number was provided for that purpose. A file with copies of the following documents was uploaded in the system : email sent to the merchant on XX/XX/XXXX, the receipt of the purchase made, the tickets to be voided, and an email received from the merchant acknowledging the receipt of the email sent on XX/XX/XXXX, with the request for the refund and the cancellation of the tickets for XXXX XXXX and XXXX XXXX.
To facilitate the process and avoid future confusions, I proceeded to purchase the tickets again using a different method of payment ( Visa credit card from XXXX XXXX XXXX ).
On XX/XX/XXXX, a credit ( purchase adjustment ) was posted for {$10000.00} ( # 5 ).
On XX/XX/XXXX, I received an email from XXXX XXXX, asking which transactions I wanted to cancel, the one made with Capital One on XX/XX/XXXX, or the one made later with XXXX XXXX XXXX. I informed them that I was requesting the cancellation and refund of the transaction made on XX/XX/XXXX. On XX/XX/XXXX, I received an email from them informing that the refund of the charges for the transaction on XX/XX/XXXX had been made. The refund was posted in my Capital One account on XX/XX/XXXX ( # 6 ).
Shortly after, I received a letter from Capital One dated XX/XX/2019 informing of the credit issued for {$10000.00}, and requesting additional information and more documentation regarding the dispute. I sent a packet by mail on XX/XX/XXXX containing the additional information requested including the proof that I had contacted the merchant, and the emails from XXXX XXXX regarding the refund. I also included the information regarding the new purchase of tickets with a Visa card from XXXX XXXX XXXX. A second file with the same documents was also uploaded in the Capital One system.
On XX/XX/XXXX, I learned that on XX/XX/XXXX, a charge for {$10000.00} had been posted again in my account, despite of all the phone calls and efforts made on my behalf to resolve this issue which is clearly an error that was made by Master Card or Capital One when processing the transaction, specifically, when converting the sums from Euros to Dollars ( # 7 ). I immediately contacted Capital One to address the issue. The representative sent an email requesting documents, and a link to upload them in the system. Please refer to Attachment No.1 for copies of all the documents that I have sent by the link provided by Capital One and by certified US postal service , during the course of the dispute.
On XX/XX/XXXX, the transaction was posted again for {$10000.00}, ( # 8 ) making the charge for the error that they made, a total of {$20000.00} US Dollars XXXX XX/XX/XXXX and XX/XX/XXXX ). The same day, I contacted Capital One to address the issue again. The representative responded that a manager was reviewing the case, it was going to take around 90 days to complete the review, and suggested me to make the required payments to avoid financial charges. The same day, a credit was issued for ( {$10000.00} ) leaving the one of the charges pending ( # 9 ).
On XX/XX/XXXX, I tried again to reach the Capital One Fraud Department. This time, I was told that there was nobody there and therefore, the call could not be transferred.
On XX/XX/XXXX, a credit was issued for {$10000.00} ( # 10 ). At that time, I thought that the issued had been resolved. However, a day later I received a letter from Capital One dated XX/XX/XXXX. Per the letter, it is only a temporary credit while they wait for a response from the merchant. The merchant has already responded and the letter was sent to Capital One.
Despite of all my efforts, without your intervention, I do not think that this error is going to be corrected. I am counting in your actions to correct a situation that, in addition of being unfair and dishonest, is causing me a great deal of emotional distress. I have being a cardholder for more than 15 years, have never being late in my payments, and had a credit score of XXXX, before the issue arose. The fact that charges have been posted in the account for sums beyond de credit limit, has negatively impacted my credit history and subsequently my score. My fico score is now XXXX.
Attached are the following files with supporting documentation : Attachment # 1 : Explanation of the entries related to the dispute with Capital One.
Attachment # 2 : Removal of the charge request, sales receipt, refund request, refund confirmation, certification made by the merchant that the transaction was made in Euros and refunded in Euros, credit card statement ( XX/XX/XXXX to XX/XX/XXXX ) with the proof that the error was made by Capital One when converting the transaction from Euros to Dollars.
Attachment # 3 : Correspondence from and to Capital One, along with proof of mailing by US Postal Service and, proof that the documents were also uploaded in Capital Ones system when the documents were requested.
Please note that phone records to prove that efforts were made by phone to resolve the issue will be provided, if it is necessary to resolve the issue.
I truly hope that Justice will be made with your intervention, the charge of {$10000.00} will be permanently deleted and therefore, this nightmare will end. Thank you in advance.
Regards, XXXX XXXX.
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12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
***THIS IS AN EXTREMELY URGENT MATTER!!! *** After numerous disputes to ALL 3 credit bureaus, repeated phone calls Capital One, and written notification letters and direct disputes with Capital One, they still continue to willfully " validate '' my account with the credit bureaus reflecting inaccurate reporting of three 30-day late payments in XXXX, XXXX, and XXXX of XXXX. This is a blatant violation of the FCRA, and I need this corrected promptly. I am buying a home, and do not have 30 MORE days for this to be rectified. These payments were not late, and NEVER have I made a single late payment before or after those dates on any Capital One account I have has since XXXX when first becoming a customer. I am buying a home and am supposed to close on XX/XX/XXXX and these inaccurately reported accounts are causing me to be denied or if I can get approved I would be subjected to a significantly higher interest rate which is not acceptable. So this matter ( if not resolved ) will cause me to lose my {$10000.00} earnest money deposit with the builder and numerous other financial losses and damages if I do not get this resolved and close by XX/XX/XXXX per my contract close date. Please know that I have consulted with a very reputable attorney that specialized in Fair Credit Reporting Act and Consumer Protection rights, who will immediately be filing a lawsuit if we can not resolve this once and for all. I will have suffered significant damages due to their negligence and inaccurate reporting, after having written documentation of having notified Capital One of the error on numerous occasions and they willfully continue to report inaccurately.
Due to an unforeseen medical issue ( XXXX XXXX XXXX ) in XXXX, XXXX, I incurred a significant reduction in income as I could not drive or put any weight whatsoever on my foot for almost a full year. Being proactive and in an effort to limit or avoid damage to my credit as possible during that time, I enrolled in a debt management program with XXXX XXXX XXXX XXXX program XX/XX/XXXX, for which BOTH of my Capital One accounts ( # XXXX and # XXXX ) were a part of. I am attaching a copy of my debt management summary as well as a complete ledger showing that monthly payments were made as agreed EVERY single month without fail per the guidelines agreed to by Capital One. I was NOT late prior to enrolling, so their should be no late payments whatsoever. Coincidently, the very first month of this program Capital One reports the account late and continues to do so for ( incorrectly ) for 3 consecutive months..
After much legal research and many phone calls, I learned from the debt management program that Capital One is notorious for reporting consumers late the first several months, as they often do not adjust the payment date per the debt management plan ( as I also personally requested them to do ) to coincide with the date they will receive payments or they do not adjust minimum payment reflected in their system down to the agreed payment under the debt settlement program, but continue to show the regular higher minimum payment amount, which results in them reporting the account late until they catch up, which in my case was 3 months consecutively. I have also attached my payment history with the credit bureaus that shows PERFECT payment record other than this error. I made payments as agreed and Capital One received those payments each month. I should not be penalized any further by this disastrous situation that should never have happened.
I have been a customer since XXXX, and am still a current customer of Capital One and have never had anything but positive things to say ... until now. They have made it impossible to get this corrected by continuing to verify this inaccuracy.
The worst part is when I called Capital One AGAIN yesterday to try and submit the debt management ledger to get this resolved, the supervisor I spoke with ( XXXX ) informed me that he could not even see my account that far back and I would have to request statements from a po box in XXXX XXXX XXXX, UT and it would yet again take ANOTHER 30-45 days ... .which I do NOT have. How can they be legitimately verifying anything with any credit bureau if they don't even have the information in their own system??!!!!! This is absurd and causing significant undue hardship as a result of my decreased credit score due to their false derogatory credit information.
I have TRULY exhausted all other avenues other than filing a lawsuit in an effort to rectify this matter, including writing a personal letter to the CEO, XXXX XXXX XXXX at the corporate office in XXXX, VA. I have yet to hear anything back.
In my opinion, I have submitted more than sufficient evidence that these payments were made. Furthermore, I have been an exceptional customer for every single month for almost 7 years. Even if I had made late payments ONCE in almost 7 years, it would still be reasonable to ask for Capital One to make this ONE-TIME adjustment regardless. The current credit reporting by Capital One is NOT in any way an accurate reflection of my TRUE historical credit worthiness, and I need this corrected.
I have attached several documents in support of my case, and am most certainly happy to forward the MANY more I have, if needed. I have a 3 inch binder full of communication and attempts to resolve this for the last 2 1/2 years. Lawsuit is next if this is not resolved. I refuse to allow this damage to continue any longer. As a consumer who works very hard to diligently maintain a perfect payment history despite any difficult personal situations incurred, I can promise I fully intend to pursue my rights under the FCRA and FDCPA. I sincerely hope and pray that it will not come to that, and an appropriate resolution will be accomplished here. That is my goal. No one wants to be involved in a lawsuit that can very easily be avoided by doing the right thing. This is definitely NO way to treat a long-time, loyal, good paying customer. Very disappointing. I would certainly NOT have put myself through this anguish over the last couple of years and going to such great lengths to resolve if I were not telling the truth. I believe that much is obvious at least.
Please review my documentation and and proceed immediately with removing these late payments from my credit bureau file. I know by law that Capital One is NOT REQUIRED to report anything to the credit bureaus whatsoever, but chooses to do so. They can also make adjustments and corrections at will when they choose to, which is what is needed in my case. I look forward to a prompt resolution with the immediate deletions of this derogatory information on my credit file from all 3 credit bureaus ( XXXX, XXXX, and XXXX ). Thank you and Happy Holidays!
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04/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
On XXXX XX/XX/XXXX, my Capital One credit card statement said that XXXX charge my credit card {$530.00}. Since my XXXX account was inaccessible for many years, I assumed someone hacked into an archive XXXX account and fraudulently charged my credit card. Hence, on approximately XXXX XX/XX/XXXX, I contacted Capital One and reported a fraudulent charge. To my great surprise, Capital One said the charge was legitimate.
At a minimum, Capital One should have at least contacted me before allowing the charge because : 1. The charge was over {$500.00}.
2. XXXX was using a credit card number that was no longer valid.
3. At least twice, Capital One had rejected XXXX trying to charge me : On approximately XX/XX/XXXX XXXX unsuccessfully tried to charge me for {$470.00} for their website and, on XX/XX/XXXX, XXXX tried to charge me {$59.00}, but Capital One asked me if it was legitimate to which I replied it was not.
4. The amount was different than what was charge before.
5. The name of the product was different.
Below is the opening statement of the XXXX document that XXXX sent to Capital One to prove the charge was legitimate. However, the XXXX statement supports my claim that the charge was not valid. See below : THE XXXX STATEMENT DID NOT POST HERE 1. The above says that I had made previous, undisputed purchases.
All the previous purchases, expect for the original, were made fraudulently and I was unaware of them. Capital One did contact me about two XXXX accounts and I told Capital One that they were fraudulent ; consequently, Capital One refunded my money for those two charges. I even sent this information to Capital One 2. The above, dated XX/XX/XXXX, states : Products purchased may be refunded only if cancelled within the following timeframe : Annual Plans + - within 30 days of the date of the transaction Clearly, XX/XX/XXXX is + - within 30 days of XX/XX/XXXX.
3. The above states that the cardholder received products and/or services without payment.
The www.rielygirls.com website has been inaccessible for many years. Hence, I did not receive any products and/or services even though I was fraudulently charged.
I had written to Capital One that The domain site has been XXXX for years.
Because Capital One refused to disallow the {$530.00} charge from XXXX, I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX for XXXX XXXX concerning my situation with XXXX. XXXX XXXX, from the office of the CEO of XXXX, responded to XXXX XXXX XXXX e-mails with a litany of XXXX the attached XXXX.
When it became clear that XXXX XXXX had no intent of doing the right thing, XXXX XXXX suggested that I contact the AZ Attorney General XXXX.
I then contacted the AZ Attorney General XXXX XXXX and Complaints office. When it became clear to that office that XXXX XXXX was not going to address my main issues, the office said, Our Office represents the State of Arizona and is prohibited by law from representing individual consumers. They also gave me information so that, If you decide to hire an attorney and pursue this case on your own, here are some helpful Arizona resources to assist in your search : ( See XXXX. ) Therefore, it was quite clear that the only way I was going to get resolution was to file a law suit on my own.
For clarity, I am going to give a brief history of the process I have encounter in trying to seek justice XXXX XXXX.
Around XX/XX/XXXX, I noticed a charge {$530.00} on my Capital One credit card. Since the website www.therielygirls.com has been inactive/inaccessible for many years, I thought someone hacked into an archived XXXX account and fraudulently charged my credit card. Subsequently, I contacted Capital One and told them the {$530.00} charge was fraudulent. Capital One contacted XXXX and they said the charge was legitimate.
Having no success with Capital One, I contacted XXXX XXXX of the XXXX XXXX XXXX XXXX for XXXX XXXX concerning my situation with XXXX. XXXX XXXX facilitated an e-mail communication between XXXX XXXX, from the office of the CEO of XXXX, and me. His responses were replete with lies and misleading statements.
Having no success with the XXXX XXXX XXXX XXXX for XXXX XXXX, XXXX XXXX suggested I contact the AZ XXXX XXXX. I contacted the AZ AJ Consumer Information and Complaints office and they facilitated e-mail communications between XXXX XXXX and me. Since his responses were replete with lies, it was clear to the AZ XXXX office that the communications with XXXX XXXX were futile. The AZ XXXX XXXX then told me that by law they are forbidden to represent a single person and suggested I seek legal help.
Consequently, I subpoenaed XXXX XXXX. However, he did not respond to the subpoena.
I then found the name and address of the CEO of XXXX, XXXX XXXX, on the Internet and subpoenaed him. The XXXX XXXX XXXX XXXX XXXX said the subpoena was successful and gave me a date and time in XXXX, XXXX. When I arrived at the court, my name was not on the docket. When I went to see why, I was told that the mail saying the subpoena was successful was sent in error.
Because of the above, I felt the information concerning the CEO of XXXX was valid ; consequently, I contacted XXXX XXXX XXXX to serve the CEO of XXXX. When XXXX XXXX XXXX went to the address given, they found the building had been closed for months. XXXX had moved from XXXX Arizona to XXXX Arizona.
I then, again, contacted XXXX XXXX XXXX to serve XXXX XXXX XXXX XXXX XXXX Arizona address XXXX When they arrived at XXXX, the process server was told, among other things : Security stated that it is their policy to not cooperate with service of process Security will get notice to individuals if the documents are accompanied with a court order On XX/XX/XXXX, I went to the district court of XXXX XXXX to see if I could get a court order to accompany my documents for the process server. I was told that they do not do that ; however, the person gave me a phone number for legal assistance : XXXX.
XXXX, from the legal assistance office, told me that I am suing the wrong person and gave me the XXXX XXXX XXXX XXXX XXXX XXXX I then subpoenaed XXXX via XXXX XXXX XXXX XXXX XXXX XXXX
The trial was held on XX/XX/XXXX and the court awarded me the three fraudulent charges plus {$89.00} in interest. ( I did not claim any interest, the court made that decision on the own. ) XXXX sent me a check for {$910.00} on XX/XX/XXXX After the court case, I sent an e-mail to the CEO of Capital One stating Since I should never have been charged for the {$520.00}, the interest on that charge should be refunded ; hence, I am requesting a refund of {$97.00}. Also I attached a copy of the judgement and a copy of the check XXXX sent me. ( See the attached documents : ). I have not heard from Capital One.
attached : XXXX XXXX XXXX
|
04/12/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
On XX/XX/XXXX I entered into a branch to withdraw funds from my account. It was XXXX to be exact I tried to enter into the branch but the doors were locked, typically the bank closes at XXXX. I spoke to a manger at the bank and told her through the door that I wanted to withdraw XXXX XXXX out of my checking account. She then looked at me as if I was crazy. She told me that she would only be able to take out XXXX XXXX. I said ok, she then instructed me to head over to the drive through so she can withdraw the funds for me. When I got to the drive through I filled out the withdrawal slip and handed over my XXXX XXXX XXXX ID. i sat there and waited for about 30 min. She started to ask me questions about me receiving Unemployment from XXXX XXXX and why am I receiving unemployment from XXXX XXXX. I told her I just moved to XXXX and that I am still working in XXXX XXXX part time on the weekends. She started questioning me about me receiving third party deposits in someone elses name. ( they are family members ). I explained to her who they are to me and told her why I was receiving their unemployment.
She stalled for about 30 minutes and then told me she was having computer issues and then 15 minutes later she told me that she has to put a restriction on account and that I have to go into a branch to verify them. I called capital one next day to explain to follow up and I explained to the representative that something should be done and it isnt fair. That everything is blocked off and that I have bills to pay. She was nice enough to take the restriction off my checking account and apologized that she couldnt do anything about my savings because she sees that it is under investigation. Three days later I Called to follow up on why savings account and spoke with a supervisor and she instructed me that all I had to do was go into a branch have the bank teller call customer protection and verify all parties and the funds will be released to me. She told me she will make sure she notes everything that was said.The following two weeks later I walked into a branch located near and went inside with all parties to verify with all parties and the bank teller then called customer protection and we were on hold for 30 minutes just for the rep on the phone to say that whatever the supervisor told me wasnt correct info and that they have to assign an investigator to my case.
After I XXXX if I will be able to receive third party deposits and XXXX stated most banks dont allow third party deposits but if they dont the bank will reject it after I tired the unemployment for my sister and my bank diid not flag the pre note and started allowing the deposits to go through with no issue I took it as it was ok. My sister did not have an account at the time. So thats how I was receiving unemployment for her. Same situation for my brother and I then later on opened accounts for them because I couldnt keep up and didnt want conflict with someone elses money. As for my grand father hes old and I had his unemployment set up with pay pal. But when he was receiving his back pay from unemployment the restricted the pay pal account until I was able to verify it. So up until the time I was able to verify it I allowed it to go into my account which was about 2/3 payments so that he wouldnt miss out on any payments. After I had everything situated with pay pal everything went back to normal on his end.
In all everything was done so I can help some family members out I did all that I had to do ton verify and Ive been calling every week and still got no update on anything. All I am told is that I they cant release any info and that they are waiting for an investigator to be assigned to my case. Im even surprised all this is happening being that Ive been banking with them for over 10 years. All my money checking and savings were in one place.
All of my auto payments have been rejected causing late fees and rent being past due for the last seven months.
I am aware that I was receiving third party deposits in my account. I am now aware that it isnt allowed with capital one. Every since this situation the whole this was mishandled and I wasnt treated fairly. And it all started because I was racially profiled by the two bank employees XXXX XXXX and XXXX XXXX at the capital one branch in laurel Maryland. In XXXX I entered a capital one branch in XXXX XXXX and withdrew {$6000.00}. There was no problem the teller just asked me to present two forms of ID. I am not saying that me receiving third party deposits are ok. I did not know that capital one bank does not accept third party deposits, since I was receiving it for 4-5 months and also making transfers, withdrawals from atm and bank teller. Nothing was ever flagged. As I stated before Ive been banking with capital one for a very long time. About 6-8 years to be exact. Ive been patient and and complying with them. Ive been calling them every week since the date of incident to try and get my money. I also went into a branch 3 times with all parties to verify their identity. Since that was what I was told to do by XXXX XXXX, XXXX XXXX and also a few customer protection call reps and supervisors. I was told once I do that and have the teller call customer protection. My funds will then be released to me. Ive suffered a lot since the day with no job also now facing an eviction notice. This was handled very poorly. Ive been calling since XX/XX/XXXX waiting for an investigator to be assigned to my case, and every time I called they would hang up on me or just tell me an investigator hasnt been assigned. It was up until I called them XXXX ending with my lawyer on the phone. It was when he presented himself that the customer protection rep said an investigator has been assigned since XX/XX/XXXX. Ive sent proof and did everything I was asked to do from the bank to get my money back. Every time I spoke with someone they had me do something different or told me something different. The way they handled my case was completely unfair and disorganized. They then sent an electronic payment back to the state ( department of labor ) of everything I had in my account which was {$32000.00} to be exact. I then contacted the department of labor and explained the situation to them and they told me that they havent received any payment sent back from my back nor do they see any reversed payments for all parties. I also have a full audio recording of my conversation with the customer protection rep and a specialist from XXXX XXXX State department of labor. What I dont understand is why did they send everything in my account to the state when I did not receive that full amount from the department of labor. They also sent back the unemployment I was receiving in my name.
Thanks
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07/24/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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|
Web |
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Capital One Bank 's 800 customer service supervisors and representatives are very confusing, misleading, misinforming and confused themselves when it comes to the subject of addressing and informing Capital One Bank customers of how to avoid overdraft fees as per Capital One Bank 's own Terms and Conditions. It 's very confusing, misleading and misinforming to anyone, not me alone, when you 're told so many very different versions of how to avoid overdraft fees but either what you 're being told is totally incorrect or it lacks information. So at some point you 're deemed to received overdraft fees due to the incorrect or lack of information you 're given. Case/Complaint in hand, as many times as I 've spoken to Capital One Bank 800 customer service supervisors or representatives not once as any one of them, told me that a debit card purchase and a debit card ATM cash withdrawal have two very significant different ways of causing you overdraft fees. The Capital One Bank 800 customer service supervisors or representatives, I spoken with have always mislead and misinformed me by having me believe that all debit card transactions were the same from all day Friday to overnight Sunday into Monday morning. The method of avoiding overdraft fees from a debit card ATM cash withdrawal on Fridays, has never been correctly or fully explained to me or brought to my attention by any of the many Capital One Bank 800 customer service supervisors or representatives, who I 've spoken with and have advised me on how not to receive overdraft fees. I also, until yesterday, was never told by any of the many Capital One Bank 's 800 customer service supervisors or representatives, that I 've spoken with and have explained to me how to avoid overdraft fees during our LIVE telephone conversations, that there 's an actual cut off time on Fridays, where, if you withdraw cash from your Capital One Bank checking account, via an ATM and you overdraft your checking account, after the cut off time, you do n't have to worry about bringing your Capital One Bank checking account current all weekend long and as long as you bring your Capital One Bank checking account current on Monday night into Tuesday morning, you 'll avoid receiving an overdraft fee. Unless a holiday falls on that specific Tuesday, in which case, you must always try to make a deposit into your Capital One Bank checking account on Tuesday night into that Wednesday morning, to avoid receiving an overdraft fee. Up to yesterday, I 've always been told that when you use your debit card on a Friday and your Capital One Bank checking account goes into an overdraft status, you must always try to make a deposit into your checking account on Sunday night into that Monday morning, unless a holiday falls on that specific Monday, in which case, you must always try to make a deposit into your checking account on Monday night into that Tuesday morning, to avoid an overdraft fee. So imagine how surprised, angry and shocked I was when I, using my debt card, withdrew {$500.00}, from a Capital One Bank ATM on Friday, XXXX XXXX, 2017, at around XXXX XXXX and overnight into XXXX XXXX, 2017, my Capital One Bank checking account was hit with an overdraft fee of {$35.00}, which was postdated for today, XXXX XXXX, 2017. I understand that Capital One Bank 's Terms and Conditions does clearly state the difference between a debit card purchase and a debit card ATM cash withdrawal but if a LIVE Capital One Bank 800 or branch customer service manager, supervisor or representative informs, instructs or directs me incorrectly or differently, from what 's noted on Capital One Bank 's Terms and Conditions, then at that specific point in time, whether or not I 've read all of Capital One Bank 's Terms and Conditions, I 'm going to follow the instructions and directions of the LIVE Capital One Bank 800 or branch customer service manager, supervisor or representative to the last word because I 'm going to completely trust, just like I completely trust Capital One Bank with my money, that they know what their talking about because they should know Capital One Bank 's Terms and Conditions better than me. Yesterday ( XXXX/17 ), a 800 Capital One Bank supervisor refused to refund the overdraft fee of {$35.00}, but the craziest thing was that the same 800 Capital One supervisor advised me that the information I was given, to avoid overdraft fees, by the Capital One Bank 800 customer service representative that had transferred me to him, was incomplete. So to me anything that 's incomplete is both partially complete and incomplete, which always totals up to an error, especially when and/or if the final outcome, in the above advice/information giving equation is a negative one!!!! So the same Capital One Bank 800 customer service supervisor corrects what the Capital One Bank 800 customer service representative, who transferred me to him tells me, and this after I also tell the same Capital One Bank 800 customwer service supervisor that I had never been fully told all of the correct information to avoid overdraft fees from same day ATM cash withdrawals, but he still refuses to refund me the {$35.00}, overdraft fee. The Capital One Bank 800 customer service supervisor stated to me that due to the number of other previously refunded overdraft fees that he would n't be able to refund the current overdraft fee, I lwas requesting refunded. So I asked him, " What is the limit of overdraft fees that Capital One Bank offers its customers on overdraft fees caused by bank errors? '' He never answered that question. And then to add insult to injury, when I pointed out to him that he had started his phone conversation with me by pointing out and informing me that the Capital One Bank 800 customer service representative, who transferred me to him had given me some incorrect information in regards to avoiding overdraft fees, the same Capital One Bank 800 customer service supervisor started lying to me by saying that he never stated to me, at no point, during our telephone conversation that the information given to me by the Capital One Bank 800 customer service representative was incorrect. I got so angry and upset at the Capital One Bank 800 customer service supervisor for unprofessionally lying to me on such a hugh level and that 's why I told him that I wish his children get XXXX some day and some doctor only gave him a partial diagnose of and treatment plan for the XXXX afflicting his children. Then I called him a XXXX and hung up on him!!!! I 'm not going to deposit any funds into my Capital One Essential checking account until this issue and all associated charged fees are all professionally, properly, honestly and correctly addressed, reviewed and resolved by Capital One Bank!!!!
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12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
|
This company has failed to report this account to all 4 credit bureaus for the account owner as well as the authorized users. This account should be reporting to XXXX, XXXX, XXXX and XXXX for the account owner and all of the authorized users however, it is not! We have called this company on numerous occasions within the last year, almost every month requesting them to update and submit this information to the credit bureaus. The agents have disconnected the calls, transferred us to incorrect departments, advised us to contact the credit bureaus instead of them sending an updated report. They have advised us that they have no control as to what the credit bureaus are or are not reporting. We contacted the credit bureaus individually and separately regarding this matter and they continue to tell us to contact the actual creditor. For an entire year, we continue to get the runarounds and this issue has yet to be resolved. We are requesting that ALL credit bureaus are updated to reflect this account 's entire payment history since account opening. The company has also failed to update the address correctly on the account. We have called to advise that the residential AND mailing address should be the same. There should NOT be two different addresses reporting! They have stated that they've updated the account but online it STILL reflects the wrong residential address! We are requesting that the company reimburse for all purchases made on the account from Walmart.com and for in store purchases made due to the scanner not working, the store not being able to scan partial payments and the company not releasing the over payments made on the account for immediate or further use. We called capital one regarding a credit balance in XXXX and the agent told us that they don't issue checks for overpayments. We then had an over payment for the XX/XX/XXXX statement closing date and was not able to use it in the store because the agent stated that they have to make sure that an online payment made to them on XX/XX/XXXX had actually cleared as of XX/XX/XXXX. 14 days later? There has never been a returned payment on this account! There has never been a late payment made on this account! The ONE payment that was considered late by a FEW DAYS WAS A CAPITAL ONE ERROR because we requested to update and correct the address OVER THE PHONE with a LIVE agent and she entered the incorrect address so we NEVER received a statement! Even though we DID NOT receive a statement, AND HAD NO IDEA WHAT THE STATEMENT BALANCE WAS, THE MINIMUM PAYMENT DUE, WE STILL MADE A {$25.00} PAYMENT DURING THE BILLING CYCLE IN WHICH A PAYMENT WAS DUE. THE DIFFERENCE THAT WAS NEEDED WAS UNDER {$10.00}. I BELIEVE IT WAS SOMETHING LIKE {$3.00} OR {$4.00}. We are requesting a letter on company letterhead from Capital One confirming that it was there error and that it was updated, the late fee and interest was credited to reflect company error and not as a courtesy credit because a courtesy means we were at fault and as a courtesy you issued a credit. We also need this to be updated on the account in the customer notes because every time we call regarding an increase, this issue is brought up as if it was OUR error and not yours! We need this to be completed effective immediately! Each issue needs to be addressed separately! A different letter needs to be sent to us separately regarding each issue and not be combined in one letter! We are requesting that these issues are resolved and expediated immediately! This company STLL has the address wrong! They have spelled XXXX as XXXX which in turns adds an INACCURATE address to the credit bureaus! When attempting to dispute or delete this INCORRECT address to the credit bureaus, we're being told that it is linked to an active account. WE STILL DO NOT RECEIVE STATEMENTS BUT TO ENSURE THAT THERE IS NEVER A LATE PAYMENT WE HAVE SETUP ONLINE BANKING AND HAVE REOCCURING PAYMENTS SENT TO CAPITAL WEEKLY! WE HAVE MADE EVERY ATTEMPT TO RESOLVE MATTERS WITH THEM AND THEY CONTINUE TO FAIL US EACH AND EVERY TIME. THE GOAL IS FOR OUR CREDIT INFORMATION TO ALWAYS REMAIN ACCURATE AND CORRECT! THIS COMPANY HAS PARTICIATED IN FALSELY REPORTING INFORMATION AND/OR NOT REPORTED INFORMATION AT ALL! AFTER THE ADDRESS IS UPDATED AND CORRECTED, WE NEED FOR IT TO BE SUBMITTED TO THE CREDIT BUREAUS CORRECTLY! WE NEED A LETTER TO BE MAILED CONFIRMING THAT IT WAS CORRECTED. WE EXPECT ALL OF THESE MATTERS TO BE RESOLVED WITHIN 10 DAYS OF THIS COMPLAINT! Thank you so much for your immediate attention to these matters! A credit line increase was requested on XX/XX/XXXX and the letter stated that they used a credit report from XX/XX/XXXX which was more than 30 days old and would not have included the most accurate and up to date credit information. A new credit line increase was requested on XX/XX/XXXX and the letter stated that a report dated for XX/XX/XXXX was used which was also older than 30 days and wouldn't have included to the current and accurate information being reporting. I was also told that the application was denied because I had a cease and desist hold on my account. We requested that the cease and desist be lifted or removed back in XXXX, XXXX, XXXX, XXXX and now XXXX of XXXX. The company has failed to remove it thus far. Each conversation the representatives confirms that it's lifted yet, that too is another lie! As of XX/XX/XXXX it still remains. It was also requested to be removed on that day as well. No call was made to ensure that the last representative followed through with the request. On XX/XX/XXXX a reconsideration of the denied credit line increase from XX/XX/XXXX was requested over the phone via another agent who confirmed that the cease and desist was the reason for the previous denials. AGAIN the letter does not reflect any of that information but does show that they went off of a report from XX/XX/XXXX which was AGAIN more than 30 days old. WE ARE NOT REQUESTING A NEW CREDIT REPORT TO BE PULLED AT THIS TIME! WE ARE SIMPLY CONFIRMING HOW INCONSISTENT THIE INFORMATION IS VIA THESE CUSTOMER SERVICE REPS. HOW THEY LIE TO KEEP FROM DOING THEIR JOBS AND TO GET CUSTOMERS OFF THE PHONE QUCKLY AND NOT ATTMPT TO PROPERLY ASSIST. HOW ONE 'S LIVELY HOOD IS AFFECTED DUE TO INCORRECT INFORMATION AND INCORRECT REPORTING. NOT ONLY IS THIS COMPANY NOT REPORTING INCORRECTLY, THEY ARE USING OTHER INCORRECT INFORMATION TO DETERMINE MY CREDITABILTY. THE PROOF IS IN THE PUDDING! NO LATE PAYMENTS EVER! NO FINANCE CHARGES EVER! NO LATE FEES EVER! NO MISSED PAYMENTS EVER! YET THEY ARE REPORTING AND REFLECTING OTHERWISE! FALSE AN/OR MISSING INFORMATION BEING REPORTING. UPDATE AND CORRECT THE INFORMATION EFFECTIVELY IMMEDIATELY FOR THE ACCOUNT OWNER AND ALL AUTHORIZED USERS EFFECTIVE IMMEDIATELY!
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04/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
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Hello, my name is XXXX, and I am a very disgruntled, hurt, embarrassed and feeling disrespected Neiman Marcus card holder. I have been a customer/ card holder for over 12 years. I am an XXXX member in good standing and have always been. I recently decided to add authorized users to my card. I added 2 people, on XX/XX/XXXX without a problem, then I added 2 more on XX/XX/XXXX and they froze my card. I contacted customer service because I found out my card was frozen on XX/XX/XXXX when I asked my sales associate to make a purchase/ send to store for me so I could come into the store to try on.. my card was declined. I was not sent anything from NM, my payments were on time, and nothing was sent out via email, or mail, that said this would or has happened. I called customer service and they asked me to come into the store and bring my ID to verify myself. So I go into the store XX/XX/XXXX, to show my ID, and remove the hold. The customer service rep in the store called customer service while I was standing there in the XXXX XXXX XXXX store. As I was speaking to customer service over the phone, I asked could I remove an authorized user, that was added on XX/XX/XXXX because he had applied for his own card, while they were removing tis mysterious hold. They said yes, I could remove him and I replaced him with another person and 1 more, that makes 4 authorized users. I don't see a problem with this because I have had authorized users on other cards of mine. I have added and removed on other cards also. The customer service rep asked for the names to remove and add and said that we will put another hold on your card until Monday so the new users can be verified. I had no clue that they do background checks on authorized users. Which was weird because it was Friday XXXX, so where are you verifying anyone and since when do you do a check on authorized users? Monday came and went and the hold was still on my card. The following week I received a letter stating that my card was under investigation for fraud. I would love to know how when I personally went into the store with my ID, and they swiped it and verified it. The letter stated, I was under investigation and that I needed to submit a copy of my drivers license pic, front and back, my social security card front and back, and also my pay stubs and XXXX, and my signature at the bottom of the letter. So the first thing that I am thinking is that someone in customer service is trying to pull fraud with my full identification, and they must know I was just in the store showing ID somehow. I would never feel comfortable sending out my entire life with my signature through the mail, nor fax, or anything else, to anyones desk. The IRS dose not even ask for that type of info. This was a Flag. So now I feel like Im being profiled. Its my right as the credit card holder to add and subtract anyone I want if I don't personally feel like the user is a threat to my card or credit. So I called NM customer service and they said they had no idea where that letter came from, then connected me to Capital One, and the customer service rep that helped me apologized and also said that they would never send out that type of letter asking for such sensitive documents. I was then told to call NM security in the morning. So XX/XX/XXXX I called back to Neiman Marcus and the customer service rep, said that my card was still frozen and she didn't know why because I brought in my ID, but she would connect me to Capital One security. A lady in CapOne security was helping me, she said the letter was actually real and I explained that never would I feel comfortable sending that type of info via mail, or fax and why should I when I physically went into the store with my ID. She said she would leave a message with the security person at NM that was in charge of handling this situation, and for me not to call them, she would take care of it. 3 days later still no call back. Friday, XX/XX/XXXX, I called in security at CapOne back, she proceeded to call a supervisor to help me get the hold removed from my account because the security at NM that handles these situations never returned her call. Mysteriously the supervisor or whomever she spoke with now told her that NM will not remove the hold, and that I have to produce all of the same information for all 4 of my authorized users before they remove the hold. So I tell security that if Im not sending my life, neither are the authorized users, and now, Im not only suspected profiling, but I actually know that Im being racially profiled, I am filling a complaint. They are trying to steal my identity, and mess up my credit, because as of XX/XX/XXXX they had not reported to the credit bureau until I went on my XXXX XXXX and filed a complaint on NM, and told the credit bureaus that they had not reported my good standing with the credit bureaus nor did they update that my card had payments that have significantly lowered my balance. I am being profiled, and they are now giving me a certain amount of days to send in the same invasive info of 5 people 's DL, SSC, XXXX and signatures. I told security to remove all of my authorized users and she said they won't remove them until you send in everyones info. What the heck kind of racket is NM trying to pull? It is my right as a paying card holder to add and removed an authorized user to my card. So if I don't send in the info, they are going to shut down my card. That is unbelievable and they are now trying to mess up my credit by taking away one of my oldest credit cards. I have never been so XXXX off in my life. The fact that one person can cause all of this ruckus in my life because of how they are personally feeling about something. This is not right, I know its illegal, they are making up rules along the way as they see fit. I also feel like they taunting me because they have control over the system. Now it is XX/XX/XXXX, and I am still being ping ponged back and forth between the two entities and no one will give me info on someone higher up that may be able to help me and to restore my card back to normal. I asked for the credit card info that states the stipulations of adding and subtracting authorized users and what warrants for fraud activity. After I have filed many complaints and spoke to different people, the last person I spoke to today said that I could be anybody continuously calling in. I am so freaking furious. So, Who was I when I took my ID into the store? And why when I say Im not sending in sensitive documents does that make them say now we want them from everybody, I think that is really crazy and its like someone said now that you are mad and want to remove everyone, we are going to make you even more mad and ask for everyones info.
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02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I fell victim to a deceptive and extortionate merchant, who charged my credit card for dubious sweepstakes, while also claiming to be engaged in raising funds in a charitable endeavor. The merchant refused to refund my money, so I disputed the charges with my credit card company ( Capital One ) under the claims and defenses procedures of the Fair Credit Billing Act. However, after about 6 weeks and multiple instances of Capital One sending conflicting letters to me of closing the dispute and apologizing that it was in error and reopening it, they ostensibly finally denied the dispute. Capital One claims that the merchant showed the " goods '' were received in good condition. The details of the matter are chronicled below.
XXXX XXXX XXXX XXXX and XXXX are affiliates and the owners of a competition ( Organizers ) called XXXX XXXX XXXX which supposedly brings women of XXXX XXXX XXXX and over to compete for the title of XXXX XXXX XXXX Purportedly, the prize is a XXXX feature in XXXX XXXX XXXX and {$40000.00}. Winners are decided via public voting by supporters of the contestants, and the contestants advance through various stages of the competition until a winner emerges. Apparently, XXXX is the non-profit arm of the affiliation, while XXXX XXXX XXXX XXXX is a for-profit entity.
My wife was a contestant in the XXXX XXXX XXXX competition see attached XXXX of her Competitor Page ( XXXX XXXX ). She was randomly recruited for the competition on social media by an agent of the Organizers after she posted pictures of her XXXX birthday celebration in XX/XX/XXXX. There were various rounds in the competition, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife advanced to the Finals. However, as she advanced in the competition and we got to know more about the business practices and reputation of the Organizers, it left us with a disquieting feeling that we were pawns in an immensely questionable campaign resembling a XXXX XXXX She regrets having been lured into this contest, just as I feel having been misled into contributing to this opaque and questionable contest. The total amount that I personally paid into this contest between XX/XX/XXXX, and XX/XX/XXXX, for the purpose of voting for my wife, is {$28000.00}, of which {$10000.00} of that was charged to my XXXX XXXX XXXX XXXX XXXX XXXX. See the receipts attached as XXXX XXXX
I was under the impression that this was a contest conducted on a level playing field, where there would be transparency in the process and the Organizers would run a conscientious and honorable contest, but my experience and that of my wife says otherwise.
For example, first, the full population of contestants in the competition was always kept hidden. You could not tell what the totality of contestants was at any time. The contestants were siloed into different groups, and you could not determine how many groups they were in total.
Second, the contestant ( or anyone else ) could neither see the full list/number of votes cast for them nor who the voters were. The contestants XXXX only displayed limited information/data like top voters or three most recent voters, but never the full population. See attached screenshot of the Dashboard ( XXXX XXXX ).
Third, how the Organizers tabulate the votes and its system and process for crediting votes remains a mystery. There are two categories of votes, Hope Vote and Free Vote. For the former category voters literally pay money to vote ( usually {$1.00} for XXXX vote ), while for the Free Vote category voters are limited to one vote daily. Additionally, for Free Votes, there are different numbers of votes credited for each vote based on the method used to verify the voter. XXXX is either by XXXX or by credit card, and two votes are credited for the latter versus one for the former.
Abstrusely, randomly and from time to time, every vote cast ( either Hope Vote or Free Vote ) was given double credit ( 2 for 1 vote ). It is unclear if the Organizers gave precedence in their tabulation system to votes purchased via Hope Vote versus votes cast via Free Vote. Some contestants have vociferously complained that votes from their supporters via Free Vote were routinely not credited or accounted for, in subordination to Hope Votes. See the catalog of complaints lodged by contestants and voters alike ( reporting the XXXX XXXX XXXX competition as a scam ) on : XXXX, an excerpt of the online reviews is attached herewith as XXXX XXXX.
Additionally, my wife used the services of a media outlet ( XXXX XXXX XXXX XXXX ), which has a presence in XXXX countries and has millions in its subscriber/audience orbit, to promote her candidacy in the competitionXXXX XXXX XXXX XXXX XXXX confirmed that tens of thousands in its audience voted for her using Free Vote. However, there is no record of this activity on the Organizers portal or that the votes were credited or accounted for in their tabulation. This observation mirrors complaints on online forums like scampulse.com.
Fourth, there are unresolved questions about the competition money : where the money goes exactly, what specifically are the fees/costs/salaries/expenses that the Organizers or its partners claim from the total stake, and so on. The Organizers provide pro forma and nebulous answers in this regard.
I believe that the competition was a ruse to fleece supporters of the contestants and the public in general. I was constantly bombarded with messages from the Organizers to donate to support my wife. I feel like I have been extorted. Consequently, my wife quit the competition before the results were announced, and I requested a refund of all the money I paid to the Organizers on XX/XX/XXXX, but they refused to return my money.
Consequently, I filed complaints with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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I filed a dispute with Capital One on XX/XX/XXXX. However, on XX/XX/XXXX they sent me a letter claiming that the case was closed. On XX/XX/XXXX, they sent another letter asking me to disregard the last letter of XX/XX/XXXX. On XX/XX/XXXX, Capital One sent another letter stating that " based on the information we have from you and the merchant, the original charge is still considered valid. We consider your case closed. '' Subsequently, on a phone call with Capital One around XX/XX/XXXX, they walked the last decision back again. The latest ( and they claim the final ) word on this dispute was a letter from Capital One on XX/XX/XXXX, where they have once again denied the dispute and reversed all credit provided to me in this regard.
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11/18/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
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I am a customer of Capital One Bank, and I was charged {$560.00} in overdraft fees for 16 transactions over the course of 13 days without the bank reaching out to me in a way one would expect. As a XXXX XXXX, this clearly is an amount that is unaffordable.
On XX/XX/XXXX, my rent check was cashed, resulting in an overdraft of {$180.00}. I overdrafted due to a mistake, where my fianc accidentally requested my half of the rent, and I also sent a check for half of my rent, essentially, double paying.
From XX/XX/XXXX through XX/XX/XXXX, I accumulated {$310.00} in overdraft fees for 10 automatic debits averaging of {$44.00} per transaction.
On XX/XX/XXXX, I went on vacation to XXXX, Virginia, over 150 miles away from where I live. I continued to overdraft and accumulate overdraft fees. Over the course of the vacation, my account reached a low of - {$1200.00}.
After my fianc realized she had a bunch of extra money in her account, she realized the mistake, and sent me what she had, minus some money for bills. She sent me back {$970.00}, which I deposited on XX/XX/XXXX.
However, it was n't enough. It bought my account to - {$290.00}. Of course, by that point, I racked up {$450.00} in overdraft fees, so had they been lowered, or had this been caught earlier, I would n't have continued to accumulate.
After that, I accumulated {$100.00} more in overdraft fees, resulting in a final total of {$560.00}, over half a grand. I had still not received notification about the overdrafts.
If it were n't for two things, I would have accumulated more. First, the semester started for me, and I received student loans. Second, there was an enormous flood of mail, over 16 letters.
I finally realized the problem around the beginning of XX/XX/XXXX when I checked the mail.
As soon as I received my mail and checked my statement, I called Capital One to figure out what the heck happened, how the bank could allow me to go down to - {$1200.00} ( off {$820.00} worth of overdrafts ), what would make them think I would want to pay {$35.00} for nickel-and-dime transactions of {$5.00}, why, even though I have the app and the bank has my email and phone number, I was n't notified, and, most glaringly, how they could continue to allow my account to decline to such a negative balance when there was evidence that transactions were occurring far away, something I would expect would raise suspicion. The gist of the answer I received was that these were automatic payments, I therefore approved them, and that 's that.
They said they could offer me {$35.00} back once a year ( or maybe it was {$70.00}, I do n't remember ). To make my point at my displeasure, I asked how I could close my account, and the customer service representative told me, without hesitation, that he could close the account over the phone, which of course just made me angrier. I did not keep records of the conversation because I was, yes, mad, and still trying to wrap my head around it.
I then wrote two letters. One to XXXX XXXX, SVP Card Customer Experience at Capital One, and one to XXXX XXXX XXXX, Chief Card Customer Experience Officer, which were to me the closest I could get to a sympathetic ear, as I could n't find an executive for personal banking beyond the president. I have not received a reply.
My main complaints are the following : 1. I do n't like overdrafts, I do n't want to overdraft, I did n't know I could overdraft. I had overdraft protection, which I thought meant it would reach into my savings until there was none left, and then stop payments. It 's clear if you have overdraft protection, you do n't like overdrafts. There may have been an issue of opting in, but I got my Capital One account in XX/XX/XXXX, and I did n't really know what I was doing back then. It was the first account I opened, and was only two years after the CFPB opened.
I do n't know how Capital One Bank conduct business ; whether new personal bankers automatically allow overdrafts, if it 's opt-in to overdrafts, or if overdraft protection is also an opt-in to allow overdrafts. In any case, you 're CFPB, so you probably know better, but you also released a report on opt-in overdraft protection. Either way, it feels like I was behaviorally nudged into this disaster waiting to happen.
2. Any consumer banking institution should be aware of potential fraud or abnormal spending behavior. As an XXXX XXXX, I know how easy it is to make systems that can track consumer behavior and raise red flags. I had two. First, I never carried a negative balance more than {$100.00} in my 4 years banking. Second, who in their right mind would spend {$5.00} on a small transaction when their account is already - {$500.00} and it 's a {$35.00} overdraft ( and do it repeatedly would be clear evidence of not knowing they 're overdrafting ). Third, one transaction occurred over 150 miles away at an ATM.
This is evidence to me that Capital One does n't care about the financial security of their customers, because why spend money to check in with customers when you can make {$560.00} in overdraft fees?
3. On a similar note, the way that I was notified was completely unsatisfactory. I have the Capital One app with notifications enabled, and the bank has my phone number and email. Instead, the way I found out I overdrafted was through the mail. This is absolutely unacceptable, given that my 1.2 transactions a day yielded an average of {$43.00} in overdraft fees a day. Given the speed of mail, that 's {$86.00} to {$210.00} dollars, and that assumes that I check my apartment 's mailbox every day in the lobby ( for reference, I just opened XX/XX/XXXXs statement ; it 's XX/XX/XXXX ).
It was a real kick in the head to open my mail and see the ominous stack of 16 capital one letters, all saying the same thing " You overdrafted! Here are ways to prevent it from happening again! '' Given all the ways that they could communicate with me, even a feature built into the app that would push a notification for each overdraft or when your balance reaches - {$500.00}, they chose the slowest method of communication when I had money I could have easily moved around.
4. Specifically a message for Capital One, my experience clearly shows failure to adhere to the corporate value of " Do the Right Thing, '' from silently letting me overdraft to being ready to set me free. Capital One has all the tools and information they need to prevent things like this from happening, and they do n't use them because, hey, they just made over half a grand in a month on a XXXX XXXX trying to get by.
The personal banking system is built on trust, the belief that your money is safer with a bank than at home. I definitely do not feel that way with Capital One.
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06/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Capital One has responded I see, and with considerable documentation. The documentation they have provided is, in fact, hearsay documentation. They have provided no affidavits to attest to the accuracy of this information. They have taken a month and a half to produce this packet of information, flawed as it is, yet have already stated this purported debt was verified to place on my credit report files and were able to determine the data on those files was accurate before apparently having these files at hand. A large business such as Capital One, particularly with the modern age of high tech computers and massive data filing storage capability should have had that information on hand if this case was as cut and dry as they are purporting it to be, particularly when they furnish information to the credit bureaus stating that the data is verified. As I stated in my last complaint, this presumptive action demonstrates deceptive acts to the consumer as under the guidelines of the Unfair, Deceptive or Abusive Acts or Practices.
This documentation states that Capital One turned the alleged account over to XXXX and XXXX, a debt Collection law firm notorious for Unconscionable activities. Any contract that this alleged account may have stemmed from should be rendered void to begin with due to the violation of 15 USC 6801, regarding the protection of nonpublic personal information in handing personal information over to a company as devious and with as sordid a track record as XXXX and XXXX has. XXXX and XXXX is notorious for engaging in robo-signing scams with documentation and sewer service with court cases. They have been sanctioned by the courts many times for their conduct. Their preferred business model seems to be a preference to obtain default judgments by any means necessary with no regard to the rights of their victims. XXXX and XXXX are, as per the 1995 XXXX XXXX XXXX holding by the Supreme Court, Debt Collectors and therefore answerable to the Fair Debt Collection Practices Act. They have a frequent and well-documented history of not working within the confines of that minor inconvenience to them. They failed to follow the 1692g requirement. I would have demanded validation otherwise. XXXX and XXXX has claimed to the person they were allegedly in contact with at Capital One that they followed all applicable laws and regulations in the handling of the account. Clearly, that statement alone, as I point out over the course of this dispute, is a violation of 1692e for false or misleading representations. I have not seen their evidentiary paperwork constituting whatever case they may have tried to make against me but if they were the same documents Capital One has forwarded in the pdf sent with the recent complaint response, they were little more than hearsay evidence, not even holding up to a standard for judgment as outlined in a case like XXXX v XXXX XXXX XXXX, particularly the element listed therein that set forth a requirement demanding copies of all extrinsic documents referred to in the consumer credit agreement as well as proof of a good faith effort to locate their target rather than what seems to be their standard of relying on sewer service. Furthermore, the NY case, XXXX v XXXX demonstrates the requirement to produce the chain of assignment showing that XXXX and XXXX had the right to sue and were able to prove their standing.
That brings me to the alleged judgment that the enclosed pdf file states was entered against me in the document provided by Capital One. I was never notified at the time of this judgment being rendered at the time it occurred, violating any law requiring notification of such an action. Upon recently learning that there was a judgment entered against me, I mailed two letters to the XXXX XXXX that the judgment was alleged to have been entered in requesting details on the documentary evidence provided in the case, the identity and qualifications of who even signed off on the judgment, details that were not provided on the website, that persons familiarity of the facts and accuracy of provided details and that they could attest to those elements rather than engaging in the robo-signing that has been all too frequent in NY, basically whether that person followed the letter of the law in NY CPLR 3215. The court chose to ignore my letters, choosing to deny me the due process that I am entitled to as per the Fifth and Fourteenth Amendments of the US Constitution. Due diligence was sorely lacking. I only learned the name of the person who signed off on this case upon receiving the pdf enclosed with Capital Ones response. Of course by denying my due process rights this court failed to state whether this clerk followed stated court procedure, whether the process of filing an Inquest was followed in not having a complete sum certain provided, Capital One states in their pdf response that their retention policy prevents them from providing seven years of documentation, thereby not attaining an accurate sum certain, if the rest of the hearsay documentation was even accurate. This court has not demonstrated any proof of having conducted itself in any manner respecting the rights of the consumer, Im picturing stacks of papers to be robo-signed by a clerk in a hurry to move to the next task. Without proof as to the legitimacy of this judgment, aside from its now jurisdictional defects, it is essentially a void judgment, not worth the paper its printed on. As stated in the case, XXXX v California, The state can not diminish the rights of the people.
Capital One complies with all laws and regulations, this the statement thats provided in the pdf file letter defending this companys standing in this matter. Aside from all of the previously documented aspects of them and their agents, in this case, XXXX and XXXX, they are obligated to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), when furnishing adverse/negative information to a consumer reporting agency. They have been actively engaged in furnishing this negative information for a considerable amount of time. They have a duty to provide to the consumer a written notice prior to, or no later than 30 days after, furnishing the adverse information to the bureaus. I have yet to receive any such notice from Capital One and the time has long since passed for doing so, putting them in violation of the law.
There are many flaws in this whole alleged account that should warrant the whole thing unconscionable. This companys action here demonstrates a method of business practice contrary to the concept of good faith and fair dealing. Of course I expect that theyll defend their actions with another round of plausible deniability and maybe some hearsay documents.
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01/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Hello, On XX/XX/2019 I purchased a XXXX Range Top from XXXX XXXX XXXX via the internet using my Capital One credit card for payment. I arranged transport for the range top from their location to myself. XXXX XXXX XXXX packaged the range top. Upon arrival the range top was missing several key components. I researched the cost of the components that were missing which amounted to {$540.00}. I then contacted XXXX XXXX XXXX informing them of the missing components. XXXX XXXX XXXX did not respond. I then filed a dispute with Capital One to contest the portion of the charge ( {$540.00} ) that was equal to the cost of the replacement components.
Capital One contacted XXXX XXXX XXXX and their response was that they did not arrange for shipping and that I should file a claim with the shipping company. This was quite a shocking response as the box was neither torn nor damaged. There was no way the components could have, as it were, fallen out of the box.
At this point Capital One denied my claim and sent me a letter requesting the following information to continue the claim : A copy of your sales invoice or purchase agreement / contract, and information and / or evidence to support how the merchandise ordered differs from what was received.
A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly.
How the problem can be corrected and what that will cost.
A statement that includes the number of times the merchant tried to correct the problem.
A description of how you tried to resolve the dispute with the merchant.
If you returned the installed components, please provide the date and proof of return or the date they were made available for pickup.
If the merchant gave you a refund voucher, please provide that as well.
It appeared quite obvious from the latter part of this letter, which was in no way relevant to my situation, it was a cut and paste used in all or nearly all denials.
I called Capital One and asked for clarification. I was told that it was, in fact, just a generic response and that in looking at my specific claim they would need information that supported my assertion that the components I claimed were missing should have been included with the range top and that the amount was reflective of the parts needed. I was told none of the other information in the letter was needed.
I then contacted the distributor of the range top, XXXX, and ask for and received from them a Components Manual in conjunction with a statement that stated that all of the components that were missing from my range top are included in all of their range tops. I also contacted the shipper and received verification that the range top was packaged by the merchant and not by them and, they said, if any components were missing they were not responsible. I also send the proof of the prices for the parts from the nearest XXXX parts distributor. Please keep in mind that XXXX XXXX XXXX did not contest that the components were integral nor did they say that the components were sent. I then sent the information I had gathered to Capital One. Capital One again denied my claim stating that I had not provided : A copy of your sales invoice or purchase agreement / contract, and information and / or evidence to support how the merchandise ordered differs from what was received.
A statement including the number of times the merchant tried to correct the problem.
A description of how you tried to resolve the dispute with the merchant And / or a refund voucher from the merchant.
When I originally called Capital One I was specifically told that I did not need to provide this information. The purchase agreement was actually sent to me from Capital One as the merchant had included it with their response. Capital One has the purchase agreement on file!
I sent exactly what the first representative told me I needed to send to demonstrate the components were missing and, in addition, I had given Capital One a statement that the merchant had not responded to the problem and that I was ignored by the merchant so I was not able to try and resolve the dispute with the merchant, and there was never a refund voucher.
I called Capital One againand spoke with a supervisor this time. He told me that, they did need the above information as they dont look back in the file, so they would need a copy of the purchase agreement with every correspondence. Now get this, I was told by the supervisor that the only way to demonstrate that the components were missing was to take the range top to an authorized XXXX dealer and have that dealer write a letter on his letterhead specifically stating that XXXX XXXX XXXXXXXX did not ship the components. In neither case did the information I received from calling match was was sent in the written correspondence.
I protested this last request my belief being that an authorized XXXX dealer could not honestly write such a letter as they were not an eye witness to when XXXX XXXX XXXXXXXX packaged the range top and would, no doubt, rightly not be willing to accept the liability such a letter would subject them to. I pointed to the fact that I had followed Capital Ones directions in sending a list of components that were normally included with the XXXX range top I had purchased and stated that I have a video showing me opening the range top and the components not included. The supervisor didnt care. The supervisor said that without the letter he requested from an authorized XXXX dealer ( one that no reasonable business would ever provide ) Capital One was denying my claim.
It is my opinion that Capital One has acted in bad faith, stating that they have a policy that will protect consumers from fraud, when in actuality, they simply have a department so skewed against the consumer and mismanaged as to be impossible to navigate. I believe I have provided evidence that would compel reasonable people to see and acknowledge that the range top XXXX XXXX XXXX packaged was not the range top that was listed for sale on the web-site nor what I intended to buy and I have spent a great deal of time and effort attempting to demonstrate this to Capital One. This has been very frustrating. Quite frankly, I need your help to get my money back. Purchasing this range top was a very large expenditure and now having to purchase the missing components is a heavy burden. Please review the information I have already provided to Capital One and if you need additional information please request such that it will be of a type and manner that can be reasonably obtained.
Thank you for your help in this matter, XXXX XXXX Case number XXXX
|
08/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
Dear CFPB : I have been an excellent credit card patron, paying my card balance regularly and reliably. I have an ongoing with Capital One. On XX/XX/XXXX, I requested by telephone, that my credit card account be closed. Subsequently, the same week, I sent written notice to Capital One to close my account. I asked that my credit report reflect that the account was " closed at the consumer 's request. '' I also requested written confirmation of the account 's closure. I indicated in writing that I was closing the account due to the fact that it was disputed and frauds were perpetrated upon me by two separate merchants almost simultaneously. One dispute was with XXXX Member XXXX XXXX ( XXXX ) ; the second dispute was with XXXX XXXX. I have had credits cards for ages and I never had two ( 2 ) issues simultaneously or even filed an official dispute to any extent. Airbnb Member XXXX XXXX ( XXXX ) : A filed dispute with XXXX XXXX through XXXX was supported by written evidence by this writer to show that the said merchant failed to supply the accommodation that was pictured in his XXXX posting and additionally he supplied a rental unit that was not only substandard, but very dangerous. This writer did not utilize the accommodation to the extent paid for, had to stay with others ( friends in XXXX ), and communicated both complete dissatisfaction and request for refund overtly to the merchant. Merchant perpetrated a fraud on me ( the consumer ) and my card company accepted the charge as valid. IT WAS FRAUD. I have a private attorney who advised me to lodge complaints with CFPB and that he will litigate this matter for me if it is not resolved. XXXX XXXX : A filed dispute with XXXX XXXX - XXXX XXXX was supported by written evidence by this writer to show that the said merchant indiscriminately charged a significantly higher rate to this passenger while supplying most passengers an extremely reduced rate for the same stateroom type. A change in advertised ports-of-call ( after booking ) due to a severe propulsion issue on the ship caused XXXX to offer passengers drastically reduced rates of {$190.00} if they cancelled their booking and then rebooked. While passengers who were loyal to XXXX and did not cancel after the notification of the port change, paid the full price of {$6200.00}. This writer only learned of the discriminatory practices after being on board the ship at sea. This writer made XXXX aware of the fact that the charge was not authorized ( rejected ) while on board the ship at the Purser 's desk and by completing a ship-to-shore telephone call to dispute the charge, which constructively constitutes " leaving the ship '' since it is impossible actually to leave the ship while it was at sea. This writer contacted the Purser 's desk and engaged in an extensive ship-to-shore telephone conversation with the travel agent to dispute and to " unauthorize '' this charge. The fact that XXXX offered a drastically reduced rate to passengers similarly situated in stateroom types equal to that of this writer, creates a unfair and discriminatory charge, unjustly enriching travelers with similar stateroom types who paid only {$190.00} while negatively disadvantaging this writer. A senior Advisor at Capital One indicated that this writer supplied more than enough evidence to support reversing this charge, however the fact that this writer " remained on board the ship '' would " negate the refund. '' Clearly, the fact that this writer attempted to " unauthorize '' the charge by contacting the Purser 's Desk after learning ( while on the ship ) of the newly discovered evidence of the vast adjustments in price that were made to other travelers similarly situated supports that XXXX effected a fraud and misrepresentation in the inducement upon this writer. Capital One failed to properly adjudicate these two ( 2 ) separate disputes in my favor after both merchants were proven by submission of VOLUMINOUS documented and incontrovertible evidence to have fraudulently, discriminatorily, and improperly charged my card. *Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, this Capital One ( or any credit card ) company can not compel payment of the outstanding disputed balance. If Capital One elects to report this matter to any credit bureau, legally, Capital One will be required to notate the fact that this balance is an amount that its customer/cardholder does not believe they owe. Disputes and Unauthorized Charges under : Federal law 15 U.S.C. 1643 limits a cardholders liability to a maximum of {$50.00} for unauthorized charges. That being said, under the statute, and according to the Fair Credit Billing Act, the customer/cardholder is protected against charges for goods and services that have not been delivered as agreed upon. The law provides that the customer/cardholder may withhold payment of any balance due on goods/services purchased with a credit card, provided he/she has made a good faith effort to return resolve the problem with the merchant. Final and full payment of my actual balance owed was included and paid to Capital One in XXXX of XXXX. I noted it was a final payment and they cashed the check knowing that I was not paying the disputed amount - because the charges that remained were fraudulent, unauthorized, and/or facilitated under false pretenses by the merchant.
To date, despite my efforts to have Capital One thoroughly review both matters - using ALL documentation that I have provided that demonstrates the frauds perpetrated in these matters, Capital One insists that the matter has been reviewed simply because the merchants have responded to the initial charge back letters with a contrary position. Capital One accepted those merchant positions without properly assessing the validity of the documentation that I provided. It appears to be a situation of unclean hands in the determination that the charges are valid, since Capital One benefits from upholding the charges as valid despite the evidence to the contrary. Consequently, my credit and my honorable record of payment is irreparably damaged. Capital One insists that amount in question be termed " a balance due or owing. '' It is NOT. The balance was fully paid. The amount remaining is a fraudulently ratified amount in direct contravention of the User Agreement. Further, Capital One has the ability to adjust the balance in accordance with Visa policy. There is no balance due and the legal position as stated is that the respective charges ( as set forth in previously submitted and also retained documents ) were made under false pretenses, misrepresentation, and fraud. All of the circumstances mandate a charge back to the merchant.
|
06/24/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
Hi, I have a business checking and savings account with Capital One. The account spark business, is basically a business checking and savings account which is basically online only. MY CONCERN IS, starting by the fact that the discrimination that I am experiencing with them is beyond imagination the fullest extent. I do not have time to mention the list of violations including civil role criminal law on a state level and a federal level. Allow me to explain, there has never been a single time that I called and the first question they asked was if they are speaking to XXXX XXXX, this is an assault it is unethical immoral and illegal especially when they knew they are. My proof that they knew they are is very simple, every time I called in and it was just a question that had no issue and they were extremely helpful and always ended the call with how much the value relationship. Only and only and only when I called in with a problem then the first thing they told me is they are not able to find my account number does not exist in the system but after not letting myself and having rights already rise up to the roof and several XXXX XXXX did me the biggest favor and transferred me to a different department and that department they were not able to help me they started out by asking me if I 'm speaking to the right person.. this is an assault and I expect consumer financial protection Bureau to take legal action to the fullest extent of the Law, not because of me because I have no doubt they are doing this to other customers in situations when they need liquidity in order to pass a stress test and refuse to answer questions in order to steal money. In my situation I receive the email the email said I need to call in the special department to verify recent activity, I indeed called in and as usual they asked me are we speaking to the right person I was smart enough not to tell them yes because then they would tell me we believe we are not and therefore can not help you. Being the fact that I was smart enough to do that based on the abuse they did to me before, I them NO YOUR NIT SPEAKING TO THE RIGHT PERSONA ( which is me XXXX XXXX ), so they told me we can only speak to the person that is the holder of the account. I went to my brother and I told my brother I need a favor please and please get this resolved for me because my account was frozen. He called in and there was no issue in fact they released everything to him, I actually do not mind but imagine me being the older of this account is always questioned if there speaking to the right person. My current situation is after receiving the email beginning of the week that I need to call in to verify recent activity and I finally verify it only because my brother did me a favor they told my brother that they took off the restriction everything with my account is good. Now I would like to explain what happened afterwards and I would like the consumer financial protection Bureau not only to help me but directly review the miscondud of this financial institution. I made a credit card payment, and the payment was returned with the reason account frozen. It had a huge impact to me and a huge damage because it was around credit card and was the first payment I made because it was returned they close my credit card and this has a terrible impact on my credit report. Secondly I wrote out a check and the check was returned and then another check and was returned which basically ruined my reputation an had to pay them each time a {$35.00} fee, and I basically did not know what to do because I was not able to call in because I was not able to tolerate discrimination of being asked if they are speaking to the right person. However, a day later I received the email telling they are unable to honor this check and they provided a special number to call in. So I called him and they asked me a million questions to verify on the right person and they told me we really apologize but although you identified yourself but we have reasons to believe we are not speaking to the right person and therefore we are unable to help. I would like to ask the consumer financial protection Bureau if there 's anything worse than this? Because at this point I have both my accounts money which is frozen I have no access to it and I need help. What 's the most interesting part of this is that my account is completely restricted I have no access to anything now listen to this the only thing he told me I am able to do is make deposits. Some are supposed to have a XXXX XXXX or am I supposed to verify if I 'm dreaming? How dear a financial institution take MY MONEY AND RESTRICT IT ( STEAL IT ), and then be so kind to me and tell me that we allow you to make deposits. Wow I have no words. I went into a financial institution a real branch with all my identification and I told the teller I want to withdraw money from my account, and she told me I see in the notes from the back office that they wrote " DEBITS ARE NOT ALLOWED ''. the best part is, I also have XXXX credit cards linked to this account, meaning every time I want to make a payment I use this account, however as we speak my credit card balances is double the amount frozen in my account, meaning should they continue the discrimination " BY ACCUSING ME, AGAIN ACCUSING IS A CRIME '', I WILL DO EXACTLY WHAT THEY DO, WHICH IS NOT PAY MY XXXX CREDITS CARDS, AND THEY WILL NOT BE ABLE TO HOLD ME LIABLE NOR REPORT IT TO MY CREDIT REPORT " BECAUSE THEY SAID THAT I AM NOT THE RIGHT PERSON '', .TO MY KNOWLEDGE IF SOMETHING IS NOT MINE THEY CAN NOT HOLD ME LIABLE NOR REPORT IT TO MY CREDIT REPORT!!! However, I do have Ethics, and I will NOT follow the financial corruption, and I will pay it by other means. Sorry I 'm a terrible writer, and even worse to express my feelings. I just hung up from them, and again was told " we can only speak to the right person '' whatever that 's suppose to mean on this universe ( but I do appreciate for them allowing me to make deposits ). I ask the CFPB to take legal action against them and sue them for theyre illegal practice, and all money from the lawsuit is for the CFPB, all I want is for them to remove the freeze from my account, and not close it, although they always like to use the reason, " it 's in the terms in conditions we are always allowed to close accounts '', but when it 's so obvious they are closing it due to pressure from CFPB then I do n't want it closed, after all the account has a great feature for mobile deposits, and if only they would stop this discrimination I 'll be very happy! the only thing I do not know is how I 'll overcome this abuse. Thanks
|
12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
On XX/XX/XXXX, I opened an auto loan for a XXXX XXXX XXXX in the amount of {$13000.00}. I found out about 6 months later, that the vehicle was sold to me without an air conditioner. As it was purchased in winter, the knobs appeared for an air conditioner, and it blew out cold air. It was not until summer that I was told there actually was not an air conditioner in the car ( as I had taken the XXXX to get the air looked at ). Due to this, I would have never purchased the vehicle and, have been paying on a major feature that does not exist.
During the pandemic, my income dropped dramatically and I also was going through very extensive and expensive medical issues. I was finally able to get caught up however, my vehicle was way behind. I called in to get assistance on what I could do and I was told that I could settle for an amount of {$6000.00} to which, I was at a dealership who was going to pay that off, in order for me to get a different vehicle that has air conditioning and was not a manual vehicle as a manual vehicle is difficult now for me to operate. Captial One advised I had 10 days to decide on that plan. The next day, I was getting insurance for a vehicle that I picked out, and was going to go through with the agreement they gave to me both verbally and in writing but, they then repossessed the car the very next day! I then had to come up with $ 5000+ to get my XXXX back, thus the agreement that was made, was broken and put me in a worse position. I was also told that after I paid that, I would only have {$6000.00} left to pay on my loan however, I'm still owing {$13000.00}!
I fell behind again in XXXX of XXXX as, I'm breaking my neck sending them pretty much every penny I can on a vehicle that is not even worth it! On XX/XX/XXXX, I was sent an email to log into my account and make a payment to get caught up. I did so, and the system would not take my money. I thought perhaps it was just a glitch. I was home sick and logged in yet again on XX/XX/XXXX to make a payment. I had my vehicle at this time, at home. Again, the system would not allow my payment to go through. I later decided to call in however, the office was closed that Saturday ( and Sunday ). I had went to the store in my pajamas, to just try to get some air and feel better. I had noticed a man following me around the store and thought it was odd. So I went into the adjacent store and sure enough, he followed me there as well. Since I am a single female and mother, I was a bit scared as, I've been living lowkey from an abusive relationship. As I left the store, it was about XXXX and I was leaving the store to go home as I was not sure who was following me and as I came out, my vehicle was gone and I was stranded! At night, away from home!! I was not sure if my vehicle was stolen or what!
I later found out that, it was repossessed and that's why I was being followed!! I was so upset about this and it gave me XXXX XXXX especially because I do not know who the men were who were following me! I was in 2 craft stores ( generally not stores you see men in and I know what I know when I know I was being followed!! ) I felt it was in poor taste to first, NOT TAKE MY MONEY ON 2 OCCASIONS when I followed their email on what to do exactly. I was not able to talk to anyone until Monday XX/XX/XXXX and was basically told that, I can not prove that Capital One had me followed - even though I KNOW I WAS and then was STRANDED - EVEN AFTER LOGGING INTO MY ACCOUNT TO MAKE A PAYMENT!! I was also told that " It's a privilege to pay online - something that 90 % of people do these days, and I could ONLY make a payment by calling directly, not online! '' I asked them why I was sent an email then, to go online and make a payment, if they don't want my money that way? They said they just send " general emails ''. I feel this is GROSSLY unfair, to set people up to fail and to REFUSE to take money and THEN, put people in situations where we are STRANDED and having to pay MORE FEES!!! It is costing me HUNDREDS extra in going through the experience of being followed, having my car taken, and then being told to Prove it by Capital One. The proof is that, I knew I was being followed, and came out to my vehicle being gone. Im certain store cameras can show that I was being followed. I was in Tuesday XXXX and XXXX XXXX in XXXX Nebraska. I was treated like a CRIMINAL, again, this AFTER THEY REFUSED TO TAKE MY MONEY!!!
Because I have been trying to repair my credit, I plan on paying to get my XXXX back, paying 3 times as much as the worth of the vehicle, PLUS the fees that should have never happened if they merely would have taken the payment they can see that I set up online a DAY BEFORE THEY HAD ME FOLLOWED then left me stranded. Im also now paying extra for the fees at the Auto Auction that I was not told about!!! All of this, during the XXXX season, and while I have elderly parents and a XXXX XXXX XXXX Grandmother that I assist in caring for. Its all I can do, to get my XXXX back, again, Ive been paying out the nose for a vehicle that was sold to me WITHOUT air conditioning. Paying on a loan that has somehow TRIPLED in what is left to pay, and none of this is really helping me at all. Especially when they set people up to fail as we are not able to call on the weekends to speak to anyone and they refuse to take money even though they send emails instructing how to pay online. I received that email on XX/XX/XXXX, the very same day I logged in to make a payment. Had they just taken my money on that day, I would not be going through the nightmare of getting this Jeep back that is worth 1/3 of what I owe, not worth the fear of being FOLLOWED to be STRANDED AT NIGHT! And not having to pay extra lot fees that I am not certain how much that will cost me as they will not tell me. This is very disappointing to have big businesses treat us little consumers in such a way. It is something that has now devastated my financial life as it relates to rebuilding my credit! This is now TWICE that they lied to me about something that is VERY LIFE CHANGING FOR ME and to them.all I get is Prove it. I don't think I will ever do business with Capital One again if they do not make things right. I am NOT a CRIMINAL, I am a single mother with one income busting my behind only to have them dangling carrots! They also will only let me make ONE PAYMENT a day. So this is costing me MORE fees for my Over financed Jeep on an auction lot and NOBODY can tell me how much more I have to pay AFTER I pay {$2000.00} to Capital One! A business should NOT make people jump through hoops to GIVE THEM MONEY, then XXXX US WITH MORE FEES!!!
|
03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
11/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
I am writing to file a complaint against Capital One XXXX. As both a business owner and a head of household, I have maintained dozens of credit cards during the last 30 years, and I have never had to complain about the service I was getting from a credit card company. A review of my accounts will show that I have always paid my credit card bills in full and on time each month, and in the rare instances where credit card payments have been a few days late, this occurred because of problems with the mail, when I was traveling, or under circumstances beyond my control. I am writing at this time to file a complaint against Capital One. I have three different credit card accounts through Capital One, including visa and MasterCard account, and I have been doing between {$500000.00} and {$1.00} million of business on my credit cards during the last few years. Despite the fact that I have been a very good, loyal customer, Capital One has engaged in hostile tactics against my account, constantly denying charges and today, freezing my account without notice. I am sure you can appreciate that this is far more than an inconvenience.
As you know, there have been a series of major financial crimes during the last six months to 12 months including involving XXXX XXXX XXXX XXXX, XXXX, XXXX and other major retailers. About two months ago, one of these criminals purchased a {$1200.00} coffee maker through XXXX and charged the item to my Capital One XXXX XXXX. Unfortunately, XXXX was negligent in protecting its customers online accounts and made no reasonable effort to verify the identity of the user or to provide verification credentials when changing the username and password. XXXX failed to live up to well-established retail industry standards for protecting customer credit.
At that time, I notified Capital One of fraudulent activity on my credit card. Capital One appropriately froze this account and closed this credit card account, issuing me a new card. However, from that moment forward, I have had daily problems with all of my Capital One accounts. I have received numerous emails from Capital One about potential fraud, but unfortunately, Capital One never informs me about which credit card account XXXX have become the target of fraudulent activity, and Capital One does not even provide the right date and time of the transaction. Most of these transactions have been legitimate. Capital One has overreacted and flagged almost every single purchase that my family, employees, and I have made during the last two months. As a practice, we make every purchase possible with our credit cards, and the knee-jerk reaction of Capital One to deny every single purchase has made it impossible for my business and my family to function. Capital One is making us the victims all-over-again. Time and again we have called Capital One to clarify the charges, and time again Capital One employees have told us that charges were not denied or that freezes have been taken off of the accounts. I one occasion, I received a new credit card and activated the card online only to have the card denied when I went to use it. I then had to call in two more times to speak with Capital One representatives, each time being promised that the card was activated, and yet the card was never activated. It has become incredibly embarrassing going to different restaurants and stores that we frequent and having Capital One decline my purchases as if I were a deadbeat who failed to pay his bills. Capital One has violated my rights under the Fair Credit and Reporting Act.
Within the past two days, three different users on my credit card account were denied purchases, including myself, XXXX XXXX, and XXXX XXXX. I called this morning and spoke with the Capital One representative, and she first told me that none of our charges had been declined, and then she realized the mistake ( she was looking at the wrong account ), she told us that yes the cards had been declined out of concern for fraud. I explained to her that these purchases were being made with the original credit card using chip readers at restaurants that we regularly frequented and the purchases were for small amounts of money, no more than {$50.00}. The Capital One employee reassured us that she had fixed the problem. Within two hours, XXXX went back to the grocery store to make a purchase, only to have the card again declined. This time when we called back to Capital One, we were given a totally different explanation, that my credit card had been frozen because I was apparently late in making my credit card payment. I have never had my credit card frozen for being a few days late for making a payment, and as I have said, I am almost always paid my bills in full and on time. I have a professional bookkeeper and two full-time billing employees who all insist that the checks were mailed out more than two weeks before the due date. Eventually, Capital One posted the payment, along with the duplicate payment I was forced to make to have my account reactivated in order to conduct my important business of patient care. Within the last week it, Capital One has claimed that I am late in paying my balance on two different accounts and has closed two different accounts without any attempt to notify me that there was a problem. Again, these are violations of the our credit card agreement and the Fair Credit and Reporting Act.
Additionally, Capital One has not honored the Visa dispute process. I filed a dispute for charges from an online service provider, and the online business provided none of the services promised. Multiple Capital One employees told me that if I provide supporting documentation for the dispute, that Capital One and XXXX would find in my favor. I submitted massive amounts of documentation. The online merchant submitted a one page form letter with no facts, and the Capital One dispute department found against me and told me XXXX after four previous phone calls to the contrary ) that my dispute did not meet XXXX requirements. This should have been disclosed form the outset. More importantly, I do not believe that Capital One is following the dispute process to the letter of the law.
I have written multiple letters to Capital One Chief Executive Officer XXXX XXXX and to the corporate office, and I have either had no response or my concerns have been passed off to a low level, poorly-trained customer service representative with no authority to correct any of the problems we have face.
Sincerely, XXXX XXXX XXXX, XXXX.
Chief XXXX XXXX Diplomate of the XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
|
09/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
XX/XX/XXXX I entered a payment of {$130.00} to my XXXX credit card ( handled by XXXX XXXX ) through my Capital One checking ( XXXX ) bill pay service. The payment was sent electronically, funds withdrawn on XX/XX/XXXX and processed on XX/XX/XXXX.
XX/XX/XXXX I received a XXXX credit card statement showing no payment was made. I took a screen shot of the bill pay confirmation and sent it to XXXX on their website portal. XXXX responded that they would look into it.
XX/XX/XXXX I received another XXXX credit card statement showing no payment and more late fees added. I realized the account number on my billpay and on my XXXX account did not match. I had received a new card in XXXX and did not realize the account number also changed. I called XXXX and the rep told me that in the investigation they would find my account with the old account number and it would be reconciled.
XX/XX/XXXX I received a request from XXXX to ask my bank to trace the payment and provide them with the electronic transmittal inquiry form, which I did.
XX/XX/XXXX Capital One card investigations emailed me the proof of payment including the electronic payment trace number. They also included in the email that the payment was accepted by XXXX and not rejected. I sent the email and proof of payment form to XXXX.
XX/XX/XXXX XXXX sent a letter saying they were unable to verify their bank received the funds for the payment and for me to contact Capital One. I contacted Capital One and they so the proof of payment is evidence that the money was sent so there was nothing more they can do. I pointed out the wrong physical mailing address and wrong account number and they said the payment was accepted by XXXX , so that didnt matter.
XX/XX/XXXX I filed a complaint with CFPB against XXXX XXXX for not recording my payment.
XX/XX/XXXX XXXX XXXX mailed a letter saying the mailing address on the billpay was incorrect. I called Capital One regarding this address error and they confirmed since the payment was sent electronically the mailing address was not used and did not affect the transfer of funds. I asked that they put this in writing, but they said they were not able to do that. They said the money was sent to XXXX and they did receive it and keep it and that was confirmed in their investigation.
XX/XX/XXXX I answer one of the many called from XXXX XXXX asking me to pay my outstanding bill and I explained to the representative the situation. The XXXX rep got short with me and told me I shouldnt trust a third party to pay my bills. I told them it is my bank and that I paid my XXXX card in XXXX of XXXX with the same billpay service from Capital One and they accepted that payment without an issue so why was this one different. The XXXX rep told me that was incorrect and Id made that payment as an ACH from the XXXX CC portal. I looked it up and realized I made the {$140.00} payment from my Capital One account billpay but then paid the {$140.00} a second time by ACH from the XXXX CC portal because I must have received a statement showing it still owed and didnt look back to see Id already paid it. I contacted Capital One for a proof of payment for the {$140.00} billpay payment to XXXX from XX/XX/XXXX and they provided it again saying XXXX accepted the electronic payment. So now there were two payments, {$130.00} & {$140.00} that XXXX had but they werent acknowledging it.
I then filed complaints against XXXX with CFPB ( again, this time noting the incorrect physical address did not affect the electronic transfer to them ), the Michigan Attorney General 's office, and the FDIC. XXXX only responds with " our decision remains unchanged ''.
I have banked with Capital One for years and have never had any issues, but I didnt know who to believe in this situation. I tried to rectify my errors, but the address error Capital One told me didn't matter and the account number error XXXX told me didn't matter. I didnt understand how an electronic transfer trace wasnt enough evidence, but this made me question using Capital One or any bank because a vendor can just say they never received it. XXXX had my balance at {$130.00} + fees totally well over {$400.00}, the {$140.00} duplicate payment from XX/XX/XXXX, and my credit score has dropped due to this banking error.
So I filed a complaint against Capital One with the CFPB. Capital One responded that they have looked into these payments and have found no errors, but that they would still work on potentially have the payment applied to the new account provided or returned to my Capital One account.
Then on XX/XX/XXXX, a Capital One representative named XXXX called me and said he wanted to talk to XXXX but needed me on the phone as a conference call. I agreed as I just wanted to fix this situation and find my money. XXXX said he first wanted to get a Capital One XXXX representative on the line with us and then he would add the XXXX representative. When he connected with the Capital One Billpay representative they right away saw that the electronic payment did not go to XXXX, but to Capital One Retail services. Apparently Capital One Retails services used to process the XXXX credit card transactions but sometime before XXXX of XXXX XXXX XXXX took over the XXXX credit card. XXXX said there was no reason for us to talk to XXXX and instead said he would dig further by contacting Capital One Retail Services to see if he could find my money.
Though I did not hear from XXXX again or receive any letters, emails, or other correspondence from Capital One about what happened on that conference call, the {$130.00} payment was credited back to my checking account that day.
I have since called Capital One multiple times trying to find the {$140.00} payment that also I assume went to Capital One Retail Services, but no one seems to know about the XX/XX/XXXX phone call when the Billpay rep found the money and just keep telling me the money went to XXXX and they resend me the proof of payment. Ive asked to talk to XXXX again, but my request is declined.
Now knowing XXXX was never in the wrong, I paid my bill to them after they graciously credited some of the late fees. Though after this {$130.00} payment issue was drug out from XX/XX/XXXX to XX/XX/XXXX, the late fees and finance fees added up and the amount not forgiven totaled {$340.00}. So Im still out {$140.00} + {$340.00} from this mistake by Capital One. I have submitted a reimbursement of late fee request to Capital One, but have been denied the {$140.00} once again. My credit report was also negatively impacted by this mistake and I expect Capital One to also find a way to fix it.
|
08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I called Capital One Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Capital One Bank, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Capital One Bank 's privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 9 months ' worth of creditworthiness information unlawfully without my written or verbal consent and that's grounds for an {$9000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( 2341 ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least 800 cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
|
01/09/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
Hello my name is XXXX XXXX, and my credit card was fraudulently used at the store located at XXXX XXXX XXXX XXXX on XX/XX/XXXX on 3 separate occasions for {$140.00}, {$3100.00} and {$3000.00}. And a charge was made on XX/XX/XXXX for the amount of {$1000.00} at Neiman Marcus located XXXX XXXX XXXX. XXXX in XXXX, IL I reported my Neiman Marcus card was missing to the company I believe in XXXX once I noticed it was gone, as well as some more of my cards and other items as well. I called Neiman Marcus to make them aware of these incidents, I spoke with a young lady in credit services department and she said the claim will be investigated and someone will get back with me on this incident, no-one had contacted me, after a while so I took it upon my self to give Neiman Marcus a call again. I spoke with another associate name XXXX on XX/XX/XXXX, he said he see in the system that I will need to step inside of the store, because they have camera footage of the person making the transactions. I explained to him I am not able to step into the store, and he asked me why would I not be able to step in the store, at that time I did not take offense, I explained to him I am XXXX and a senior citizen. And as me working for a major Cooperation in the past we have never asked a client to step in a facility for safety reasons. In this situation I feel like I was asked that due to my XXXX back ground. At that time he stated to me okay my apologies, And he would send me paperwork out in the mail and I need to complete it and he provided me with a fax number so I can fax over my Identification, I stated to him not a problem, I waited and waited to receive the paperwork through the mail to complete so I can fax over everything at once to attention to XXXX, I received 1 letter stating they are looking into my claim and I should contact the department. I went on to contact the department again to let them know that I still had not received any paperwork that needed to be completed. I called XXXX to no avail and left messages over a dozen times, which was on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called a phone number in my phone that had left me a message on XX/XX/XXXX stating they are Capital one and I need to give them a call as I did. I explained what was happening and they immediately transferred me over to XXXX In credit services, XXXX came on the line and from the time I said hello and was explaining myself she rudely interrupted me several times stating your Drivers License and you credit card was used in the store so how do you have your Drivers License I went on to tell her I have my ID and she stated to me so which one do you have a DL or an ID in an aggressive tone, I was appauled, she treated me as if I was a criminal from the remarks she was making she was stating this is the stuff that you people do and interrogating me. She treated me as if I was not a consumer and I was a criminal, I have been shopping with Neiman Marcus for over 50 years as well as a card holder. She went on to say that they have camera footage and she s need a copy of my ID and she went on to give me her fax number which was XXXX. I faxed over an enlarged copy of my ID front and back. Neiman Marcus is known for being XXXX and prejudice, I know former employees and long time customers who also dealt with XXXX profile issues. On XX/XX/XXXX XXXX called and left a voicemail on my phone at XXXXXXXX stating she received a copy of my ID and she will be speaking with the director and getting back with me. On XX/XX/XXXX at approximately XXXX XXXX I received a call from XXXX stating to me again that they have my ID and there conclusion was that I would be held liable for the charges, and I went on to say why would I be charged for something I did not do when I sent over all the proper documents as requested because you had camera footage. XXXX than raised her voice ( again ) to me stating how could you send over your ID when it was used in the store along with your card at the time these purchases were made, which you did not even call in your card missing until after the purchase was made as well as a Visa card was also used in these purchases that you did not report stolen. I WAS APPALLED SHE WAS SPEAKING TO ME LIKE THIS IN A CONDESCENDING WAY! And as I was speaking she was speaking over me where I could barely speak, I explained to her how could I possibly call in a claim that I was not aware of. Again as soon as I was aware that my cards were missing I called them in. Also even though my Visa card ending in XXXX From XXXX XXXX XXXX XXXX was used as well, how could you XXXX possibly tell me I did not put in a claim with XXXX XXXX XXXX XXXX for that credit Card of {$1000.00} that was used on XX/XX/2019. When in fact I did put in a claim in XXXX as well, I went on to ask to speak to a higher hierarchy, she stated to me an obnoxious voice there is no-one else you can speak to and it will not change. Have a good day and rudely hung up. I really could not believe my ears for being treated this way. I called the Capital One number of XXXX XXXX again to asked to be transferred over, and they explained to me that XXXX is the manager in the credit department and she has made her decision and there is no-one else I can speak with.. I was very adamant to speak to someone over XXXX, they than transferred me back over to credit service which the voice that picked said to me how can I help you, I asked may I asked who I am speaking with they said how can I help you again, and I asked again who am I speaking with please and again they stated how can I help you, than I was not sure but It sounded like XXXX but to be on the safe side I still decided to ask, which she still did not state her name to me. She stated to me that the person you need to be speaking with is not available and that she has to transfer me over stay on the line, and I said okay, but may I ask who I am speaking with again, which by than I knew it was XXXX and I asked that because I wanted to keep note of who I was speaking with. I went on to say to her I will be reporting all of this to the XXXX for being treated like this as well as the CFPB. I was than transferred over to a Voicemail and the Voicemail stated XXXX is not available. I went on to leave a message. Once this is resolved I will be closing my account and NEVER SHOP AT Neiman Marcus I again, I have been XXXX profiled and that is just terrible. I am hoping to hear back from anyone soon.
XXXX XXXX
|
04/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
On XX/XX/XXXX & XX/XX/XXXX I sent by certified mail ( receipt number : XXXX & XXXX, In an effort to settle this matter in the most efficient possible manner, and CONDITIONALLY ACCEPTED your demand for payment and make an offer to pay in the above named matter, upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other Supporting documentation that give rise to and lawfully support the alleged Obligations you claims is owed to you, a man or woman.
Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above.
The names, addresses, dates and duration of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.
That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counterclaims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim.
That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner.
That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.
Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.
Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect.
Condition # 5. Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include : A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of Washington as a collection agency.
A notarized copy of the Bond on file with the State of Tennessee allowing your firm to operate as a collection agency.
A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim.
Condition # 6. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition # 7. Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition # 8. Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations.
Condition # 9. Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.
Condition # 10.Provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt. Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any
and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ).
Which your institution did and can not fulfill as you are a third party interloper to an alleged contractual agreement that you were not named a party too. Nor are you the holder in due course of the original consumer contract and did not satisfy any of the basic premises such as meeting of the minds for a contract of adhesion to occur. Nor did your institution get my consent to enter into this agreement nor provided a subrogation agreement granting you such access.
So without properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of XXXX XXXX, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidation, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or XXXX where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful.
Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and I assure you that you do so at your own peril and risk.
Remove said account from my consumer credit report and close this account within the agreed upon time frame of 14 days or as a litigious consumer I will no choice but to pursue remedy at venue closest to me. You do not have my rights to see this fraudulent instrument to any other party to further damage my person. You purchased a liability and it will stay a liability at your institution.
|
06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX XXXX INQUIRIES : Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX : Account Name : XXXX XXXX XXXX XXXX Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Number : XXXX Account Name : XXXX XXXX BA Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXXXXXX XXXX XXXX XXXX XXXX, MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX : Account Name : CAP ONE NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account Name : XXXX XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00} XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
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01/28/2020 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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See XXXX-XXXX - I need to ask you to open this again.
Capital One questioned ( or implied ) that they never had received the {$650.00} from XXXX XXXX. XXXX XXXX sent Cash Letter XXXX on XX/XX/XXXX. This included the check in question, as well as the before and after items.
This amount was listed as 'fully available ' in my account ( and per the Capital One statement ) on XX/XX/XXXX.
On XX/XX/XXXX, Capital One issued a chargeback for {$650.00}, due to Endorsement Irregular.
That means Capital One got the money, that it had cleared, and was fully available to me for a week. The fact that they then issued a chargeback further confirms they had the {$650.00}.
The reason for reopening the case is that it has now shifted from Capital One arguing they never received the money to 'where did the money go '. On a chargeback, that money taken from my account must go somewhere. What's the paper trail at Capital One, starting on XX/XX/XXXX, showing the return of the money? Neither XXXX XXXX nor the account the money was drawn on have any record of the {$650.00} being returned. ( Had it been properly returned, I would have been issued a new check, which I could then deposit again ).
Here is the latest email exchange : XXXX - Well need to go through this again, as I simply dont believe you.
1 ) Ive documented - and am doing so again - the fact that XXXX XXXX sent to Capital One Bank the {$650.00} in question and that it cleared on XX/XX/XXXX. See attached email from XXXX XXXX at XXXX. In case you dont understand the attachment, it shows directly that XXXX sent you the money. It lists the check sent to your bank, shows all the CL details, and confirms the RTN. ( And, as a matter of fact, the {$500.00} 'Item Before ' may also well be a deposit from me, as the {$650.00} was but XXXX of many checks I deposited to your Bank that same day ).
2 ) I deposited said check on XX/XX/XXXX, and according you, the funds were Fully Available '' on XX/XX/XXXX. That means theyd cleared - the money transferred from XXXX on XXXX WAS IN MY ACCOUNT. ( In point of fact, if, say, I only then had had {$670.00} in my account, and had transferred that {$650.00} out on XX/XX/XXXX - Id have my money, and wed be having a different discussion, because the {$25.00} remaining certainly would not have covered the {$650.00} you backed out of my account on the XXXX ). Seeing how you operate, I doubt seriously that youd front me the money - despite the legality of having done so, and despite my very-long-term relationship with your Bank. That means you had my money in my account.
3 ) NOTE THE ENDORSEMENT ON THE BACK OF THE ATTACHMENT 1470.pdf. Unless I need a new pair of glasses, that says Capital One, NA, with associated details, including your RTN. How is is possible that your check processing team cant find A CHECK ENDORSED BY YOUR BANK?
You need to challenge your check processing team - again, and firmly - with the above facts and attachments. What say they to this evidence ( presented again ) that the funds were sent by XXXX to Capital One - AND CLEARED?
Oh - and I also have an email from the Senior Account ( and CPA ) at the company who wrote the check to me in the first place. They show also that the funds cleared their account on XX/XX/XXXX, and dont see ANY refund of that money. From their seat, theyve paid me. The key point there, in case you missed it, is that THE FUNDS CLEARED THEIR ACCOUNT ON XX/XX/XXXX.
Nobody has any evidence that the funds were returned to XXXX by Capital One.
But - thats after the fact. The problem here is that your check processing department cant find the funds that were sent to you by XXXX, to begin with. Thats counter to the evidence above.
Once they find this money, then Ill expect that the {$650.00} is restored to my account promptly ( plus interest - since you so kindly docked me {$0.00} interest on the XXXX ) ).
How bout this, XXXX? Instead of you fronting for you check organization, find a senior check processing specialist from that part of your company, and set a call with you, me, and that person. Im certain I can get XXXX XXXX from XXXX to join that call. Have them explain to all of us why they cant find a cleared check endorsed by Capital One.
XXXX XXXX ( XXXX ) XXXX screen-shot of check : - Attachment below Cash Letter information, and confirmation of RTN : - Attachment below Capital One statement extract showing the {$650.00} deposit on XX/XX/XXXX, and the deposit reversal on XX/XX/XXXX.
- Attachment below Details on the statement, expanding the check to show funds fully available on XX/XX/XXXX.
- Attachment below XXXX XX/XX/XXXX, at XXXX XXXX, XXXX wrote : Dear XXXX , First and foremost, were sorry for the inconvenience and the amount of time you spent speaking with us while trying to get this matter resolved. We agree the experience you had didnt live up to the standard Capital One strives for. Weve thoroughly documented your encounters, and customers such as yourself are the ones who help us drive change in the bank to improve our processes and policies.
With that said, we worked closely with our check processing team who confirmed that we never received the funds from XXXX/XXXX XXXX XXXX as they did not pay the check due to an irregular endorsement. While we understand its not the outcome you were hoping for, we recommend working with XXXX XXXX to recover the funds. Please know we will gladly assist should XXXX need any additional information from us to assist in their investigation.
If youd like to discuss the details of this letter, I can be reached at XXXX, Ext. XXXX. Im generally available from XXXX XXXX to XXXX XXXX ET, Monday through Friday.
Thank you, XXXX Office of the President Capital One Note : Email is not a secured method of communication and Capital One makes no representation or warranties about the safety or security of any email you may send to us.
The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
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03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello Consumer Financial Protection Bureau, I am contacting you for help with some creditors/banks on my personal credit report. I have already tried and disputed these unauthorized accounts on my credit report via the online portal through XXXX XXXX with all 3 credit bureaus, XXXX, XXXX and XXXX.
In addition, I have since tried contacting them all several times by telephone, email and finally written letters signed, notarized by my personal credit union and all sent USPS Certified Mail with Return Receipt to all the creditors and banks with no response or help whatsoever. So, I found the CFPB through research and am hoping your agency may assist me since they refuse to do so.
I was a legitimate victim of fraud between the periods of XX/XX/XXXXthrough XX/XX/XXXX and only just realized 2 months ago when I decided to check my credit report. Several of the legit creditors and collection agency 's that did have deragotory marks on my credit report did immediately remove them and had sent me verified proof of such. The remaining creditors and collection agency 's I have listed below are the company 's who are refusing to offer any help.
With the assistance and guidance from my Attorney, he suggested that I send them all a written and notarized FCRA Section # 609 Debt Validation Letter for legit proof that the debt was legally my own. By federal law, as they are more than aware of as creditors and debt collectors, have 30 days from the postmarked date that they received the written notice to provide written, visual and/or audio proof that I was the legal and responsible owner of such debt. Again, all of them with no response, help or guidance.
So, at this point, the only recourse I have is with the FCPB. I will list all of the information I have available with each creditor, collection agency and/or banks.
*XXXX XXXX XXXX XXXX XXXX.
Debt Purchased from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX *This collection agency has been of no help and refuses to offer any proof or explanation of the debt they are accusing me of. What makes things worse is the fact they have removed the deragotory marks off of only 1 of the credit bureaus, XXXX.
But, they will not remove the deragotory marks off of XXXX or XXXX. By law, they are supposed to make the necessary corrections with all 3 credit bureaus, not just their choosing. I am again requesting this company to finish the deletion process completely from the other 2 credit bureaus.
*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX This bank/credit card company lists a debt in my name as a " Charge Off '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. I have never even heard or this company/bank until just recently. Again, no help or response after emails, letters, disputes and numerous telephone calls. They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.
*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX This bank/credit card/online store catalog company lists a debt in my name as a " Bad Debt '' on all 3 credit bureaus, but can not provide any proof that it belongs to me. To make things worse, this is the 2nd deragotory account from XXXX along with the Collection Agency above that is stating I have yet another account with them. I have tried, over and over for any help or response after emails, letters, disputes and numerous telephone calls.
They stated to the credit bureaus that it was " Certified and belongs to me. '' By federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting this creditor/bank immediately remove this account from all 3 credit bureaus.
*Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX According to my recent dispute withThis creditor/bank, it has modified or " Updated Their System '' stating that they " Certify The debt belongs to me '' but changed remarks on my credit report from " deragatory '' to " Closed '' with no payment information whatsoever. I have never even opened an account with this creditor and yet they continue to post on my credit report as if I did, but yet they can not provide any account information except the partial # 's provided.
Just changing an account status from " Deragotory '' to " Closed '' and still report 3 late payments on this account is not acceptable. In addition, this company has pulled 7 " Hard Inquiries '' on my credit report over the course of 5 years. As I stated above already with the other creditors listed above, by federal law, FCRA Section # 609 they must provide proof of such within the 30 day time period or it must be removed immediately off of all my credit reports. Just saying they " Certify The Debt '' with no tangible proof or evidence is against the law and violates my rights. I know they have no such proof of my name and/or signature that this company can provide. I am requesting, again, that this account is removed from all my credit reports along with all the Hard Inquiries they have pulled.
I apologize for such a lengthy letter, but as you already are aware of, these negative and deragotory accounts listed on my credit report are seriously impairing my ability to obtain any credit and is causing a huge problem within my family. Being a victim of Identity Theft from several years ago has been an awful amount of time and work just to clear my name of these wrongdoings. It should not be as difficult as it has been to make things right. If you have any questions, please feel free to contact me anytime, I have listed all of my personal and contact information above.
Lastly, I just want to sincerely thank you for all of your time, help and patience with this matter, both myself and my family very much appreciate it. I hope you have a blessed and wonderful day.
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11/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
On XX/XX/XXXX I contacted XXXX through their online chat and had a conversation with an agent named XXXX at XXXX XXXX to arrange for internet and cable television service for a home I was purchasing in XXXX, XXXX. I was told that it was too early to make arrangements for the service that would have included 210+ channels, XXXX , and XXXX for a period of 12 months at the cost of {$110.00} and then {$130.00} for months 13-24. She assured me that this package would still be available when I called back in two weeks.
I had an online chat with XXXX again on XX/XX/XXXX and chatted with an agent named XXXX who said that the package I had originally called about was changed to include XXXX instead of XXXX and that was called Double Play. I was told at that time that I was able to sign up for the service and all necessary equipment would be mailed to the house for me to self-install the service. I explained that the equipment could not be sent to the house in XXXX, XXXX at that time as I had not yet closed on the home. I explained that my closing date was set for XX/XX/XXXX. He assured me that they would not mail the package until that time and that there would not be any charges associated with this account until the service was installed and activated. However, I received notification from XXXX that they had mailed the equipment to the house on XX/XX/XXXX. I then had to contact the real estate agents involved to tell them that the equipment was being sent to the house and asked permission for the sellers to hold onto the equipment.
I called XXXX again on XX/XX/XXXX at XXXX XXXX. and was assured again by the agent that no billing would occur until the account was activated but that I needed to set up autopay and paperless billing with my credit card company to have their discounted price for their service. Again however, XXXX began billing me for service and I tried to have another conversation with an agent named XXXX regarding their erroneous charges. He stated that I needed to cancel autopay and opt out of the service in order for me not to be billed prior to service being turned on. He further stated that he would call me back on XX/XX/XXXX around XXXX XXXX. to check back with me after I purchased the house in XXXX, XXXX to see if I was able to install the service and get it up and running. I then proceeded to turn off the autopay option on the XXXX account as directed and contacted my CapitalOne Mastercard Customer Service number to report the erroneous billing. ( XXXX, nor any other agent from XXXX contacted me as stated. ) On XX/XX/XXXX I closed on the house in XXXX, XXXX and in the afternoon, I found the equipment that XXXX had mailed. I tried to self-install the equipment for internet connection but it would not work. I then called XXXX to report that the service would not work and they agreed to send a service technician here to the house on XX/XX/XXXX.
On XX/XX/XXXX XXXX XXXX, Tech number XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX, came to the house and looked at the equipment and explained that it would not work because they had sent the wrong equipment and added that they know that this is old stuff and that it wont work ; but they do it any way. He then told me to throw it away and that he had the correct equipment on the truck. He also stated that he would have to install new lines from the pole to the house. After completing the work on the outside of the house he came in and tried to set up my computer for internet but it would not work. He stated that he would need my password and that he had to access my computer to set it up to allow it to work. He also told me never reset the modem or else it would not work because of whatever he did to my laptop. He gave me his business card and said that I could call him since he lived in XXXX. Since that date of install, the service was spotty at best and the company was trying to charge me for service I did not even have yet and I called CapitalOne Mastercard again to report the charges. At that time, there was a charge for {$25.00} from XXXX dated XX/XX/XXXX and posted on XX/XX/XXXX. I spoke with an agent at CaptialOne Mastercard named XXXX to dispute this particular charge. Since that date, CapitalOne, without any explanation, has disputed charges with XXXX/XXXX that I had already paid for when I had an account with them in the state of XXXX prior to the sale of my home there. I have no idea why CapitalOne has done this or who authorized these disputes but they have seen fit to dispute charges that I already paid for on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were in the following amounts : {$130.00}, {$160.00}, {$160.00}, {$140.00}, {$160.00} totaling {$760.00}. I first became aware of this when I began receiving letters from CapitalOne dated XX/XX/XXXX from the Transaction Support Center. I immediately called to find out why they had done this and who authorized these disputes and have spoken to numerous agents and supervisors to no avail. I have spoken with a XXXX in XXXX, XXXX in the fraud and dispute department XX/XX/XXXX at XXXX XXXX
I called again on XX/XX/XXXX at XXXX XXXX. and spoke with XXXX and was then transferred to a Supervisor XXXX, a Senior Credit Manager then transferred to XXXX who stated that on XX/XX/XXXX there was a claim made for potential fraud and then again on XX/XX/XXXX the case was pending a provisional credit. Again, I tried to explain to her that I had never disputed charges that I had already paid for and that they were in error and that this needed to be rectified immediately. She continued to make the claim that I had initiated all of these disputes. I told her I had never disputed any charge except the {$25.00} charge from XXXX, XXXX. As a result of this, CapitalOne has done nothing to clear up their accounting errors and has put me in financial jeopardy as a result. I am not paying XXXX twice for CapitalOnes fraudulent billing practices. They have refused to accept culpability for their mistakes.
In addition to this XXXX service was not working properly and I had numerous conversations with their customer service agents both in Online chats and on the phone. In one month, they have tried to charge me over {$1000.00} even though I told them that I wanted the service to be discontinued as per their 30-day moneyback guarantee and they refused to turn the service off. I returned all of their equipment to a store in XXXX XXXX, CT and have a receipt for the returned equipment.
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02/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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On or around XX/XX/XXXX, I purchased an adjustable bed and a set of bamboo sheets from XXXX XXXX XXXX XXXX in XXXX XXXX, MT. At the time of purchase, I applied and was approved for a credit account through CapitalOne at a 0 % interest rate for 18 months.
Although I had not yet received any information on my account, I used the account information that I obtained when I applied at the time of purchase to mail off my first payment of {$100.00} via online bill pay through my credit union on XX/XX/XXXX. I thought I was being proactive, believing that my first payment wouldnt be due until probably the end of XXXX at the earliest. I discovered later that the check never cleared, but subsequent checks that I mailed off did. I never received any statements or correspondence at all- no telephone, email, text or snail mail.
This past XXXX, I wanted to check my payoff amount, but was unable to log into the website ( I had never set up an account ) so I ended up calling the phone number to obtain my balance. I was surprised to find my balance at the time was two or three hundred dollars more than I expected. Although I spoke to a Customer Service representative, I did not receive a satisfactory response as to why my balance was so much higher than I expected ( or why I had never received any correspondence of any kind ), so I requested a copy of all my statements. The customer service representative I spoke with was not pleased that I was requesting copies of my statements.
When my statements finally arrived in the mail, I realized that because my first payment was ( apparently ) never received, I had been charged late fees as well as interest on my purchases.
I submitted a payment request from the credit union ; I also wrote a letter to CaptialOne ( dated XX/XX/XXXX ) explaining the situation and requesting that I be refunded the late fees and interest that I was charged because that XX/XX/XXXX payment never arrived at its destination- or at least was never cashed. The letter, along with copies of my statements and proof that my credit union submitted the payment, were mailed to XXXX using the address on listed on the statements for billing inquiries.
On XX/XX/XXXX, I again contacted and spoke with someone in the Customer Service Department ( XXXX ) to confirm that my original letter was received, and I was a little confused. From the conversation I had with the customer service representative, whose name I didnt get, I can only assume that my original letter, dated XX/XX/XXXX and mailed off probably XX/XX/XXXX or XXXX, was never received- although Im not sure that the question was ever actually answered.
She did not inspire a lot of confidence that she knew what she was doing because she kept putting me on hold, and kept redirecting the conversation away from the reason I actually called. By the end of the 38 minute call she seemed to be arguing with me because she thought I wanted to have that {$100.00} uncleared check credited to my account. But that is not the case ; I have no control over whether that check arrived at its destination, and I have no way of knowing where that check is so I dont expect a credit to my account for money that was never received by CapitalOne or debited from account.
What I was requesting is that the {$130.00} in late fees and interested that I was charged over the course of several months be credited back to my account, because if the payment had made its way to where it was supposed to go, I wouldnt have been charged those fees. All I know is that the credit union claims that the check was mailed off- and all the other payments have made it to their final destination. I also have no idea why the XXXX XXXX statements never arrived in my mailbox, but if they had, I would have known immediately that the initial payment was never received.
To some extent I can understand why the Customer Service representative would be accusatory and suspicious. And having been a loyal customer of CapitalOne 360 since it took over XXXX XXXX XXXX in XXXX, it didnt initially occur to me that any funny business would have taken place. But about halfway through the phone call with the Customer Service rep, the thought popped into my head that for all I know the check was intentionally left uncashed for the purpose of charging me late fees and interest- and that my monthly statements were never mailed off so that I wouldnt catch on.
The only positive aspect of the phone call is that I was given a fax number to use to reach out to try and get this whole matter resolved. I still dont know whether my original letter was ever received, and if it was received, I have no idea whether a response was ever sent because nothing ever arrived in my mailbox- but the statements never arrived there either.
However, I was unable to get confirmation that the fax ever arrived at its intended destination, so I mailed off copies of both letters, the statements and other proof of payment from XX/XX/XXXX via certified mail on XX/XX/XXXX.
I later received a letter dated XX/XX/XXXX indicating that my inquiry was received and forwarded to the appropriate department. Later still, I received a letter dated XX/XX/XXXX stating they were unable to fulfill my request vis written correspondence and that I need to call them ( which was contradictory to what the Customer Service Reps were had told me- they indicated that there was telephone correspondence available ). I called them on XX/XX/XXXX and I honestly don't remember what was discussed, just that nothing was resolved.
Recently I received yet another letter, this one dated XX/XX/XXXX stating that part of my letter was not legible and therefore they needed additional information for clarification. It also requested that I send a separate signed letter or phone their office again so that they can assist me. Based on the fact that one of the letters addressed to me was dated XX/XX/XXXX, yet my certified mail was sent XX/XX/XXXX ( and a return receipt indicates that it was received XX/XX/XXXX ), that indicates to me that they have received at least two different copies of my paperwork.
At this point, I feel like I am just getting the runaround. When I tried to reach out via telephone, I was informed that there wasn't anyone I could reach out to via telephone other than Customer Service. When I finally found a way around the Customer Service phone number, I am constantly being told that my correspondence is either lost or illegible.
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12/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
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Web |
Servicemember |
This may be added later in the form, but my name is XXXX XXXX. My date of birth is XXXX XXXX, XXXX. This complaint is being filed against the Capital One Credit Card XXXX, account # XXXX. The events of the complaint are as follows : In XXXX I paid my Capital One Credit Card bill, {$540.00}, in full before the due date of XXXX XXXX, XXXX. XXXX days later I saw on my account that a charge of {$3.00} had been added and I called about that charge on XXXX XXXX, XXXX to ask what it was for. I was told the charge was interest, which had been figured up to the date the bill was paid. I had a lengthy conversation as to why they would think they could retroactively charge me interest when they gave me a deadline to pay my bill and I paid it before that due date.
This had nothing to do with the amount of the bill, {$3.00}, it simply had to do with good customer service. If you give someone a date to pay their bill by, you should not go back and retroactively backdate and charge them interest after the fact for money which was owed up to the date that it was actually paid. This made no sense to me. That was the extent of that conversation and they said they would review the charge. I later saw that the {$3.00} had been removed from my bill XXXX days later, on XXXX XXXX, XXXX, and thought the matter had been resolved.
I do not use this card much at present because I had consolidated some bills to save interest fees, but having a monthly bill, {$180.00}, which automatically drafts itself to this credit card I expected a charge in XXXX, which failed to show up on my account. At the time I thought perhaps it had been billed prior to me paying in XXXX and did n't realize there was a problem at that time. When the bill failed to show up again in XXXX I called that company to find out why I was n't being billed as usual and they said the charges for the past XXXX months to my account did not go through.
I accessed my account on XXXX XXXX, XXXX and realized that the account showed to be in a suspended status. Not knowing what the problem was I next called Capital One and spoke to a representative at that time. I was told that my account had been closed. I asked why my account had been closed and was told that there were absolutely no records as to why the account had been closed. I explained about the situation in XXXX and specified that at No Time did I ever say anything about closing my account, but had only called about the discrepancy of the {$3.00} interest charge. I spent almost an hour on the phone with the initial representative and a supervisor trying to resolve the situation that day and was assured that the situation would be submitted for a review and someone would call me within 7-10 business days.
I waited two weeks and never heard back from anyone at Capital One. On XXXX XXXX, XXXX I called again and was given directly to a supervisor when I said I wanted to make a formal complaint. I went through the entire process again, telling this supervisor exactly what had happened in XXXX and explaining about the conversation I had on XXXX XXXX, XXXX. This supervisor initially told me that the account showed that I had closed the account and I immediately challenged her on this accusation, because when I had spoken to them two weeks earlier the representative specifically told me there was absolutely nothing documenting why my account had been closed, therefore I knew they were trying to doctor their books instead of simply fixing the problem that they had created. I again told her that at no time had I closed my account and that I had n't even known it was closed until I spoke with them on XXXX XXXX, XXXX. She also tried to give me a lame excuse, saying that the account had been closed due to a delinquent charge. I challenged her on that claim because I clearly paid my bill in full prior to its due date of XXXX XXXX, XXXX and that the {$3.00} bill was n't added until XXXX XXXX, XXXX, XXXX days later, at which time I called about that charge and my account was apparently closed without my knowledge or permission XXXX days later, on XXXX XXXX, XXXX.
Again this supervisor assured me that she was forwarding this entire case for review and asking that the account be reopened, because I was claiming I had never asked for my account to be closed.
I called Capital One today, XXXX XXXX, XXXX, one last time, to see if they had done anything to fix this problem which they had created and were refusing to remedy, going so far as to doctor their books and make it look like I had closed my account even though I never even knew it was closed until almost two months later. I was told by the representative I spoke with, that these take time to review, usually 7-10 business days, and I told her it has been two weeks, 13 days actually, but if they had done nothing so far I did not think one more day was going to make a difference. I am truly disappointed in how Capital One has treated a long time customer, how they so easily ignored a simple solution to this problem and just reopened my account. XXXX I did n't even need an apology, just fix the problem! That was apparently too difficult. They would rather try to hide the problem, add records that are clearly false, and try to protect themselves and call me a liar.
Everything I have stated should be easily proved, because Capital One claims they record every conversation. I specifically asked On XXXX XXXX if they did indeed record the conversations and was assured they are recorded. I was also told that every time someone records something on an account that it documents the person 's ID, so there should be verifiable proof that any records added after the fact showing I had requested my account be closed were well after the date my account was actually closed, and done so without my knowledge or permission.
The sad thing is that the only thing Capital One needed to do from the beginning, was admit they made a mistake and reopen my account. If they had done that in the first place there would never have been a problem. As I stated earlier I do not use this account much at present, while I pay down some other bills, but at one time I used this account exclusively and as such I had built up well over XXXX travel miles, this being a Capital One Venture Card which earns double travel miles on every purchase. All I have asked for throughout this entire ordeal was that my account be reopened and that ALL of my travel miles be re-added to my account.
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01/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # XXXX DOB : XX/XX/XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX.
XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
Capitol One Bank USA XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602a section ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is a consumer reporting agency, and I am the consumer.
Part I 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
1 ) It was shared that the below addresses are non-mailable and need to be removed immediately.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) It was shared that the below name is not accurate.
XXXX XXXX XXXX Once XXXX, CapitalOne, and XXXX, have been notified of the inaccurate information, they must immediately stop reporting that information until proof that it is valid. Please provide the same proof required of the consumer ( Bank statement, contract, identification etc. ) confirming the above addresses/name are valid.
Part II 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Capital One, has violated the exclusions by reporting the below transactions.
Capital One Account number ending in XXXX Showing XXXX transactions reported ( page XXXX ) XXXX Account ending in XXXX Showing XXXX XXXX reported ( page XXXX ) Part XXXX 20 U.S. Code 1232g - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974, that protects the privacy of students education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.
XXXX and XXXX/Dept of ED are showing in the credit report ( pages XXXX ) Part IV 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
XXXX and XXXX XXXX XXXX and Capital One have violated this agreement by providing derogatory marks.
XXXX XXXX XXXX ( page XXXX ) Capital One ( page XXXX ) Part V Department of the Treasury , Internal Revenue Services Publication XXXX XXXX XXXX No. 5108F Canceled Debts, Foreclosure, Repossessions, and Abandonments. Certificate of Indebtedness, and income can not be documented on the credit report.
XXXX and Capital One violated by posting a charge-off ( Page XXXX ) Part VI 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
XXXX, Capital One, XXXX and XXXX XXXX XXXX by violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
Part VII 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure There are 91 individual violations that were violated after written notification was mailed. Failure to comply with the requirements imposed under The Fair Credit Reporting Act, is a total of {$91000.00} of the {$1000.00} per violation for actual damages sustained.
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04/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Have a few open credit cards under this bank. I have been working diligently to pay off more than the minimum amounts on these cards every month to pay them off. Two cards under same bank were paid off recently but one of them had higher interest rate and fees monthly, therefore started making as big of monthly payments as I could afford to get this card down and hopefully reduce the monthly interest fee. However, a couple instances where the monthly interest had gone up even though I was paying a higher amount that month? I also have called to speak with the bank/company numerous times since I have been a card holder for awhile now with on time payments ( except once when we moved and I did not receive their statement on time because they mailed it to old address. I informed them of this and they stated it would not be an issue since I explained and they a manager said it would not be an issue ... then a year later it showed up on my credit report and to this day I can still not get them to assist me with changing it as they initially stated. ) This bank/company seem to make a lot of promises that they do not keep to consumers obviously! My issue now is on this one particular credit card with higher monthly interest ... as I paid every month well over the minimum amount to pay off finally about three weeks before their due date in XX/XX/XXXX, as I was paying payments on this card two or three times in the month just to get it paid off as well. Well I logged on as I usually do to pay my credit cards online through their website directly, and again mind you, I had already paid off two other, same bank though, credit cards in the previous months without any issue of this happening but when I logged on to this site, the balance stated what was the statement balance as well as pay off balance was and I paid it in full, again three weeks before the due date of XX/XX/XXXX. When later asking the representative of this, their response was that I should have called in for a balance pay off? This was not a mortgage or car payment and I had never had to do this for any other credit card or the credit cards I held with them that were already paid off now? The issue is that by XX/XX/XXXX, I received an email stating new balance owed? This is almost four weeks after I paid it off, long before their due date? I was charged an interest/purchase fee of {$25.00} due for XX/XX/XXXX. I called and spoke with them and they refused to credit me and my account, stating one, I should have called in? I never have done that with any credit cards ... as they all state what is due at that time? I have also never been charged an interest or purchase fee by anyone AFTER I have already paid off the entire card as I already did. Please look into my monthly account and you will see I paid two to three times in a month to get rid of this balance because of the high interest and then they still hit me with it ... with a large {$25.00} fee AFTER there is nothing on there and I have not even used the card in at least a year? I had not planned on using this card either since I knew the interest on this one card was higher but still after speaking to a manager there and they said ok we will reverse it because I stated it seemed like fraud because they gave some XXXX about paying two consecutive payments before to avoid interest rate charges? Well one I did do that, two I had spoke to previous reps who never mentioned that, and three, I never had this with their other two cards or any other credit cards I hold? They do seem to be handling this fraudulently or at best underhanded and unethical practices!! I would close my account out completely, however, due to it affecting my credit negatively, I can not take that route at this time otherwise I really am very skeptical anyway to use any other their cards. My family also have credit cards through them but once they are all paid off, I think we will close out with them completely and find a new bank/company to deal with. I will never use their one card ever again that I am filing this complaint on but it is not just the card..it is the company and how they handle issues that arise with their card holders and whereby they say they will help you and fix an issue but then not!! This manager stated the {$25.00} would come off completely and they would waive the next month ( XX/XX/XXXX ) fee as well since the way the billing month fell, they stated I would pay again!!???? This is crazy and totally unethical practice ... they are stealing money by interest fees! WRONG and not fair! Especially because they offered to fix it but have not, it has been over a week since they promised to fix this and called today and was told it might take longer but they could not fix it themselves? Well I can see where this is going ... my payment date is AXX/XX/XXXX, and they would like for nothing more than me to NOT pay this so they can charge more and now my payment will be late!! Please investigate this so no one else goes through this as I know I will be stuck paying these crooks but it is wrong and my wife complained to them as well because she pays the bills online for mine and her account but they did not care who they spoke to recently, they were going to pretend to take care of it but not offer a solution. Also, they no longer offer any online assistance like they use too ... NO email address to submit ... NO online direct chat as they use to offer it but has not been there as long as the email ... about three months now ... no extra help what so ever! What gives these companies the right to rip you off when you are paying them on time and more than the minimum amount every month!! Just sickening and I am done with this company! Please investigate my situation as well as anyone else with a similar complaint! Also, the ending account number has been changed recently since while online was trying to access assistance but it requested a new card instead and tried to cancel it but it went through I guess ... so should be ending XX/XX/XXXXbut now says ending XX/XX/XXXX ... same account but will send back new card because I do not want a new card or anything from them after all this!! If not enough evidence/information for you, please request more and explain what exactly you need and I will provide it, they do not make it easy to pull up and print ... only able to see on my end ... once printing not so easy to see for accessibility?
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02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is NOT a duplicated complaint case! This is a case that Capital One failed to properly process the legally required investigation per 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ).
Capital One FAILED completely what it is legally required to do in this case per 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, XXXX666 ( a ) ( 3 ) ( B ) ( ii ). Moreover, it failed to prove that the goods were actually delivered, mailed, or otherwise sent to the obligor as it is legally required to do per 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ).
This is a fraudulent charge by XXXX for items that I never received. Capital One failed to properly handle the timely filed dispute within 90 days per FCBA requirement of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ).
Thus, it has forfeited any right to collect from the obligor the amount indicated by the obligor and it is legally forbidden to collect any remaining balance on my account ( 1666e ).
The response from Capital One is completely absurd and irrelevant pursuant to its legal obligation to conduct the legally required investigation regarding the timely filed dispute pursuant to 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ).
The fact that Capital One provided a partial credit and/or the merchant provided a partial credit that was totally rejected when it was proposed is completely irrelevant per XXXX666 ( a ) ( 3 ) ( B ) ( ii ) and it does not release Capital Ones legal obligations per 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( XXXX ) to conduct legally required investigation. Moreover, pursuant to FCBA 1666e, Capital One does not have any legal rights to collect any amount of the disputed amount, partial or total, in this case.
In addition : This is a fraudulent charge by XXXX for items that I never received. Capital One failed to properly handle the timely filed dispute within 90 days per FCBA requirement of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ). Thus, it has forfeited any right to collect from the obligor the amount indicated by the obligor and it is legally forbidden to collect any remaining balance on my account
( 1666e ).
The response from Capital One is completely absurd and irrelevant pursuant to its legal obligation to conduct the legally required investigation regarding the timely filed dispute pursuant to 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ).
The fact that Capital One provided a partial credit and/or the merchant provided a partial credit that was totally rejected when it was proposed is completely irrelevant per 1666 ( a ) ( 3 ) ( B ) ( ii ) and it does not release Capital Ones legal obligations per 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) to conduct legally required investigation. Moreover, pursuant to FCBA 1666e, Capital One does not have any legal rights to collect any amount of the disputed amount, partial or total, in this case.
******************** CAPITAL ONE Attn : Billing Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX TO WHOM IT MAY CONCERN : I am writing to point out once again the clear errors made by Capital One in handling this properly and timely filed formal dispute as previously stated regarding the charge of {$200.00} by XXXX on XX/XX/XXXX : 1. I properly and timely filed a formal dispute with Capital One on XX/XX/XXXX, regarding the charge of {$200.00} by XXXX on XX/XX/XXXX 2. I did not receive what I ordered at XXXX 3. Capital One failed to properly and timely handle this dispute per the specific stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing.
Per the stipulations as stated in 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) : In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
The burden of proof that I received what I ordered is NOT on me but the creditor, Capital One! In this case, Capital One has completely failed to do so and has not provided me with any evidence that the goods were actually delivered, mailed, or otherwise sent to the obligor.
It is outrageous and illegal for Capital One to request me to the goods were actually delivered, mailed, or otherwise sent to the obligor while the law requires Capital One to do so.
By law, Capital One should properly investigate and resolve the proper and timely filed dispute within two billing cycles after the dispute was filed, but no later than 90 days. However, Capital One failed repeatedly to promptly handle this dispute and address the problems in a timely fashion as it is legally required to do so. Instead, it tried to lecture me about filing a dispute within 60 days as it stated in the XX/XX/XXXX letter, completely ignored the fact that I HAVE PROPERLY AND PROMPTLY FILED the dispute within days when the problem occurred before the very first statement involving the disputed charge was even sent!
Consequently, Capital One Bank is responsible for its failure to properly investigate and resolve this dispute within 90 days as it is legally required to do so per the stipulations of the Fair Credit Billing Act ( Public Law 93-495, 161 ) and 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, including, but not limited to, 1666a to 1666i, after I formally filed the dispute on October 30, 2021.
Moreover, per the stipulation of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666e, the Capital One Bank can not continue billing me for the current remaining amount of {$48.00} for my credit account due to its own failure in handling this dispute and it is legally required to fully credit the total disputed amount of {$200.00}, not only a partial credit of {$100.00} for its failure, to my credit card account ending xxxx as previously stated.
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07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Per Capital One 's dispute policy includes that a card holder is not responsible for purchases made, that are not what the cardholder purchased, did not expect, that is damaged, unable to be used, that does not work, that is Fraudulent, that is a SCAM, or other unsatisfactory reasons and in this case the cardholder 's item falls in this category. CAPITAL ONE HAS BREACHED AND RENEGED ON ITS AGREEMENT WITH the CARDHOLDER regarding the DISPUTE. THE PURCHASE WAS A SCAM AND CAPITAL ON IS A PART OF THE SCAM.
On XX/XX/XXXX, Capital ONE with a complete disregard for the cardholder, intentionally, fraudulently and erroneously placed back on my credit card a charge of {$600.00}, that had already been successfully disputed back in XXXX, XXXX and in XX/XX/XXXX with supporting documents that Capital One required as part of the dispute process, which was complied with by cardholder, cardholder did so comply. Capital One has not sent out one explanation as to the reason for the disputed amount being again placed back on the credit card.
CAPITAL ONE HAS RENEGED ON ITS AGREEMENT THAT IF CARDHOLDER SUBMIT THE LIST OF REQUIRED DOCUMENTS THE CREDIT CARD WOULD BE CREDITED {$600.00}, CARDHOLDER DID SUBMIT THE DOCUMENTS BY THE DEADLINE. BUT OVER 100 DAYS LATER CAPITAL ONE WITHOUT AUTHORIZATION TO ACCESS THE ACCOUNT, HAS PUT THE DOLLAR AMOUNT BACK ON THE CARD AND REFUSED TO EXPLAIN WHO AT THE COMPANY ACCESSED THE ACCOUNT AND TOOK THE MONEY BACK.
CARDHOLDER WAS JUST HUNG UP ON BY CAPITAL ONE AS OF XX/XX/XXXX AT XXXX ESTN STD TIME, BY A SUPERVISOR ID # XXXX. SUPERVISOR XXXX ATTEMPTED TO LIE, COERCE AND INTIIMIDATE CARDHOLDER AND STATED THAT THE ISSUE IS WITH MASTER CARD NOT CAPITAL ONE, WHEN IN FACT IT IS CAPITAL ONE WHO SENT THE LETTER TO CARDHOLDER TO COMPLETE THE STEPS FOR THE DISPUTE TO GET THE MONEY BACK AND CAPITAL ONE IS LISTED ON THE DOCUMENT 'S LETTERHEAD AS THE COMPANY REQUIRING THE CARD HOLDER TO COMPLETE THE STEPS.
CAPITAL ONE 'S SUPERVISOR KEPT PUTTING CARDHOLDER ON HOLD, KEPT TELLING CARDHOLDER THAT THEY COULDN'T REVIEW THE DOCUMENTS SENT BACK IN XXXX TO ANSWER ANY QUESTIONS, REFUSED TO INDICATE WHAT DOCUMENTS WERE RECEIVED FROM THE MERCHANT FOR CARDHOLDER TO REVIEW, REFUTE OR REBUTT, AND CAPITAL ONE 'S SUPERVISOR WAS VERY HOSTILE FOR NO REASON AND HUNG UP ON CARDHOLDER TO AVOID ANSWERING ANY QUESTIONS AS TO WHY THEY ARE CHARGING THE CREDIT CARD AGAIN FOR XXXX AND AGAIN ALL REQUIRED DOCUMENT FROM THE CARDHOLDER WERE IN FACT ALREADY RECEIVED BY CAPITAL ONE IN XX/XX/XXXX.
Below is a recap of what cardholder 's dispute entailed TO CAPITAL ON IN XX/XX/XXXX -- -- RE : CONTINUED DISPUTE PER CAPITAL ONE LETTER ( 1 page ) DATED XX/XX/XXXX, Case No. XXXX, Disputed Amount {$600.00}, Date Ordered XX/XX/XXXX, Date Billed XX/XX/XXXX, Dispute against Merchant : XXXX XXXX XXXX Dear Capital One : This is a continued dispute of the charges billed in the above case. No written documentation from the merchant regarding this matter has been received for a response to be made, therefore such can not be filed. Therefore, per your letter dated XX/XX/XXXX, attached is the following information/description that includes : that the merchant did not try to resolve the problem but kept the problem ongoing and made the problem even worst and how purchaser tried to resolve the dispute with the merchant, the following is not an all exclusive or inclusive list of attempts by purchaser to resolve the dispute. This Purchaser ( s ) incorporate by reference all prior statements regarding their dispute against XXXX XXXX XXXX XXXX XXXX and reserves any and all rights to amend their statements and hereby states : I contacted the auto company, and although the item was supposed to be shipped within 5-10 days, contradictory statement of the company has both 5-10 days and 10-15 days ( See Exh- A ), the merchant took over a month and several weeks to ship the item and shipped the item damaged. The damaged item had to be refused and had to be sent back, however, the merchant kept the full amount of the money for the item. Purchaser had to request that an item that is not damaged be shipped out, which was Purchasers first attempt to resolve the dispute.
Again, several weeks went by, Purchaser had to call merchant to inquire as to when the item will be shipped and received. Again, weeks later the Merchant shipped out another item that was damaged. However, the Merchant had the damage concealed under shipping paper/wrapper/foam. The driver had refused to take the item back regardless of whether the item was shipped damaged or not. Purchasers second attempt to resolve this dispute was when upon further examination of the item and notice of the damage, Purchaser contacted the company about the damaged item. The merchant told Purchaser to send over photos of the damages and per those instruction Purchaser did so. However, instead of resolving the problem, the merchant became hostile toward Purchaser, called out names including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said " XXXX XXXX '' and laughed, then refused to speak at all about resolving the matter, kept hanging up, refused to take any calls from Purchaser, kept placing Purchaser on hold but would never return to the phone, refused to refund the cost and money for the damaged item and pick up the damaged item or even ship out an item that was not damaged. Purchaser at this point requests a full refund.
The item has never been installed due to the damage nor can the item be installed due to the damage. The merchant has not even attempted to pick up the item. Purchaser can not afford the loss of hundreds of dollars to return a damaged item due to the fact the damage was never caused by Purchaser. The Merchant has not presented any evidence of the condition of the item prior to shipping nor photos at the time of delivery. Further attempts to resolve the dispute with the merchant were made by filing complaints with the credit card company Capital One, filing a complaint with CFPB, filing a complaint with The Illinois Attorney General Office, filing a Complaint with the FTC and filing a complaint with the XXXX. The complaints are all pending at this writing.
Respectfully submitted, XXXX XXXX XXXX XXXX REQUESTING -- FULL CREDIT TO THE CREDIT CARD FOR THIS FRAUDULENT PURCHASE THAT WAS COMPLETELY DAMAGED, THAT WAS NOT EXPECTED NOR ABLE TO BE USED FOR THE PURPOSE INTENDED.
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11/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
Capital One XXXX Dispute : XXXX 30-day Reservation.
I was charged nearly {$1400.00} for an XXXX 30 day accommodation, only to show up at the XXXX to find health and safety violations that made the accommodations uninhabitable. I never checked-in, and due to lack of any similar accommodations in a remote mountainous area, I was forced to sleep in my car and eventually left, sheltering during a pandemic at another hotel, in a different city, during the same XXXX dates.
Capital One has failed to manage this dispute according to federal regulations. The details of the dispute are attached in the narrative pdf. After 4 months since the charge, contacting Capital One over 12 times, speaking with more than 15 different representatives, all Capital One associates are unwilling to file a dispute under the correct criteria.
The dispute was filed for an invalid reason of services different than described, thus requiring a secondary opinion affidavit for visa. Then capital one dismissed my dispute, claiming that since I submitted all other required documents, but was missing a single secondary opinion, that I had lost my entire rights to dispute. However, based on when I submitted my 10 pages of evidence with pictures, Capital One actually auto generated a response letter without looking at my evidence, as stated by one of their representatives on XX/XX/XXXX. See attached audio.
Below is a detailed timeline of events : XX/XX/XXXX : Charged for 30 days at a peaceful mountain retreat on XXXX. This fraudulent listing was later revealed to be a half-way house for drug addicts and recovering alcoholics. Additionally, a farm on the property was not disclosed, with several ducks, geese, parrots, dog, and multiple cats all living inside of the property and my accommodations. I immediately brought these matters up to the XXXX host, who failed to uphold his part of the contract to provide accommodations. So I ended up not taking the room and sought other housing.
XX/XX/XXXX : Disputed XXXX charge based on lack of accommodations being available. Attempted to resolve the issue with the merchant directly for almost three weeks, the XXXX host, the house manager, and spent the entire time sleeping in my car ; eventually charging another clean and safe hotel during the same period as the XXXX reservation. All these documents, receipts, pictures, reports, affidavits, second opinions, conversations, emails, and XXXX correspondence were submitted to Capital One, however, they did not process the evidence. This action is another mishandling of my dispute.
XX/XX/XXXX : Received email from Capital One stating that the merchant had filed a rebuttal, admitting they owed me a refund, but only processed {$200.00}. The paperwork Capital One sent went to an old address in Florida they had failed to update. So the required documents had to be resent from Florida to Nevada, which took extra travel time.
XX/XX/XXXX : Uploaded required documents into the XXXX system, however, was unable to provide all evidence like pictures because the links Capital One sent were not working. The files had to be reformatted and somehow the links were not working.
XX/XX/XXXX : Spent 1.5 hours on the phone with Capital One representative who went through all the required dispute documents with me online, sending several new working submission links. The old links sent had expired and were unable to process the type of picture formats, so I had to reformat all the photos. This associate assured me that we had gone over all the required documents and my submission was complete.
XX/XX/XXXX : Deadline given by Capital One to submit response to merchant rebuttal. This deadline was extended from XX/XX/XXXX due to misdirected mail.
XX/XX/XXXX : A letter saying I was missing information is sent. However, the letter does not say what documents were received and what was missing.
XX/XX/XXXX : Contacted Capital One based on a letter sent, stating that I hadnt filed my claim within sixty days of the statement charge closing, and that was the reason for denying my dispute.
XX/XX/XXXX. Two separate supervisors hung up on me, XXXX who said no one is above her and she was the highest level of management I could talk to and that there was no higher level to talk to be before she unprofessionally ended the call. Her employee # XXXX.
The second manager was equally dismissive and told me to contact the Department of Transportation before hanging up on me. She tried to say that I was missing documents also. This rude manager actually closed out my credit card account, without my authorization : because I told her I wanted to close out my accounts if she wasn't going to help me get to an executive response team.
I spent three hours trying to get help, being told repeatedly that Capital One had closed my dispute due to the same erroneous reasons for missing a secondary opinion letter. This second opinion letter would not have been needed if Capital One filed the dispute correctly. Also, the representative who filed my paperwork on XX/XX/XXXX said that the affidavit I submitted was valid and all the requirements had been successfully submitted prior to the deadline. A second opinion is impossible to acquire on unique XXXX listings, there were no other XXXX or vacation rental properties available on XXXX XXXX, NV that I was able to find, when i was trying to find a place to stay nearby.
XX/XX/XXXX : Supervisor Employee # XXXX tried to argue with me and as a third supervisor, hung up on me. She said that Capital One disputed the charge properly as services received, because I showed up to the XXXX and took pictures, as evidence, of the substandard accommodations - which somehow she twisted into evidence of my checking in. However, since I never had access to or was given the contracted service or accommodations, this idea of checking in and accepting any goods or services, in addition to the contracted goods are services being provided in any way, shape, or form, is entirely false.
According to Capital Ones own representative on a recorded and submitted conversation on XXXX second, he admitted that capitol had failed to look at my evidence at all. I believe that the supervisors were trying to change the rules, dates, and facts in their favor, to cover up the fact that they did not handle the dispute correctly from the beginning.
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07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Re : Account # XXXX - Active, Paying as Agreed @ 100 % payment history Re : Account # XXXX - Disputed Charge off, Paid in Full, failed promises by Capital One To Whom It May Concern : I have been in contact with Capital One numerous times since I fell on economic and health hardship in late XXXX due to the COVID-19 pandemic and rampant layoffs, of which I was a victim. I became XXXX in XXXX of XXXX and continued to pay toward my Capital One Secured Platinum until it became impossible.
The account ending in XXXX was established in XX/XX/XXXX as a secured account in an attempt to rebuild my credit after the XXXX Economic Recession and a personal bankruptcy. From that time until early XXXX, my payment history was very good, but the card was never upgraded to unsecured or given added benefits.
When I began having financial problems in XXXX, I contacted Capital One for assistance to no avail. I had an auto payment scheduled for my account and I no longer had the funds to supply the payment and the website was not allowing me to cancel the auto payment. I called dozens of times for assistance in this but could not reach anyone via phone. I was given a recorded message that due to the volume of calls I had to call later.
By XXXX of XXXX, I had to inform my banking institution to not allow payments from Capital One because of this issue. Due to this, Capital One began hitting me {$50.00} for returned ACH payments, plus additional late fees and compounding interest. The situation was spiraling out of control but I had no due course.
I finally received a mailing in XXXX of XXXX advising me that my account was nearing closure and was given a number to call to speak with someone. The contact was successful. I was given a minimum amount to get up to date which I could not make and was told that due to the health crisis and my prior excellent payment history I qualified for a relief program to prevent closure. I simply needed to submit information to prove that I was receiving unemployment and I was told that I would receive a form in the mail to file. It never came.
In XXXX of XXXX after not receiving any further word I reached out to Capital One again and did reach a representative. I asked about the program, why I had not received the form and I was told it was because my account had been closed. I was quite rudely told that I had until XX/XX/XXXX to contact Capital One and did not. I contested that I had contacted Capital One in XXXX and was waiting on a form for the referred-to relief program. I asked the representative if my account was going to be charged off and was told that it would not be if I apply for the relief program so I requested the forms be resent. She retorted that she could not send me the relief forms because my account was closed. I couldnt believe the lack of professionalism or compassion I faced.
I attempted to call again a couple of days later and speak to a different representative. I was told the same thing. I asked to speak to a supervisor and was put on hold for 45 minutes, then told that none were available. I made a plan to call again in one week to see if I could find further motion.
At this time in XXXX of XXXX, my health XXXX. I was XXXX for several weeks and on XXXX XXXX XXXX for several months after that. I attempted to contact Capital One again with no luck ( no representatives were available ) and I continued to receive statements that referred to owing but that my account was closed. I never did receive any forms for a relief program of any kind, nor any further options to make good on my account.
In XXXX of XXXX, I received a statement that my account had been charged off. Immediately after that, I received a notice from XXXX XXXX that they were representing the debt and made me an offer to pay a reduced balance in exchange for a mark on my credit report that I would be charged off, settled for less than full amount. I asked for alternative options. I was told that I could pay off the balance in full and the charge off would be removed and the account deleted from my credit reports.
Neither of the options was acceptable to me, as the charge off would hurt my credit, but a full deletion would erase nearly a decade of positive payment record. I did not know what to do, so I contacted Capital One again for support. Customer service said that the account ending in XXXX was now in the hands of a third-party collections company and that they could not speak to me about the account.
Facing that Capital One would not work with me, I opted to pay the account in full with XXXX XXXX. This was completed on XX/XX/XXXX. I waited for the record to be removed from my credit report, and found that it was not. Instead, it was and still is marked as Closed by credit grantor, charged off, paid in full. Essentially, a closure and charge off with deleted payment history and no context. Horrible for my credit score.
At this point, something seemed off. In XXXX of XXXX, I was invited to apply for an unsecured Capital One Platinum account and was approved for a minimal limit. Since late XXXX I have used that card, account XXXX and have a 100 % payment history and a minimal, if not less than, 5 % utilization to date. I have attempted to request increases and been declined with the reason being that I owe Capital One on other unpaid accounts.
I reached out to Capital One on this, I have attached that correspondence. I have been bounced back and forth through the system, between the QuickSilver customer service and the charge off department. One side says that Im good to go and it shouldnt be a charge off, the other side says I never paid for account XXXX.
After over 18 months of Capital One failing on their promises, Im now bringing this to the attention of the CFPB. In trying times like these, customers can not be treated this way as it hurts them. Capital One committed to the nation in whole to have relief programs in place and, who knows, maybe gave all of us the run-around.
Account XXXX is paid in full. I request that the account have the charge-off removed and all positive payment history restored from before XXXX of XXXX. As an alternative, delete all records of the account from all three major credit bureaus. And absolutely review account XXXX internally. It is paid. Stop saying its not.
Please assist as soon as possible in this matter.
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01/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Dear Sirs, On XX/XX/XXXX I contacted Capitol One Mastercard credit Company regarding my monthly payment. I had informed them that I have a financial hardship and was wondering if they could help me through a Hardship Program. The representative told me that Capitol One has a Specialty and Early Assistance group that could assist me but he wanted to know " why '' I felt this was a violation of my HIPPA but felt forced to discuss my medical issue with the representative. He then agreed to transfer me to this department. I was connected to a representative of this department who told me they needed to know why I wanted to be put on this program. AGAIN, a violation of my HIPPA rights but I felt forced to tell them AGAIN or they wouldn't help me.
I gave the representative detailed info about my medical situation and she said that she would enroll me in the program. She said that under the program I can make a payment of any amount when I could until I could bring the account up current. I asked her if I was going to be charged any late fees or if any adverse information would be reported to the credit bureau, She responded " no '. I then asked her if I should pay the full payment due for the month, she said if I did make the full payment she couldn't enroll me in the program. She suggested I make a payment of less than the amount due on or about XX/XX/XXXX and that I would be given 4 months to catch up on my payments but that during this time my account would be in a protected status against late fees and late reporting on the bureau & Capitol One. I trusted this agent and ended the call.
On XX/XX/XXXX I paid a payment of {$100.00}. My total payment due was {$170.00}. On that date I called Capitol One because I kept receiving automated messages regarding my account past due. The Representative I spoke with confirmed seeing that I was enrolled in the Specialty and Early Assistance Program and would hold all automated collection calls on my account until XX/XX/XXXX.
On XX/XX/XXXX I noticed that I started receiving messages again from Capitol One stating that they needed to discuss an urgent matter with me regarding my account. I received these automated messages everyday and decided to call in XX/XX/XXXX. The representative again say that I was enrolled in this program, apologized for the automated calls and said that he would stop the calls until XX/XX/XXXX, we ended the call.
I then decided to check my account online XX/XX/XXXX. I was surprised to see that I had 2 late fees of {$35.00} each, one on XX/XX/XXXX and another on XX/XX/XXXX. I then noticed that my credit FICA score reported on the Capitol One site through XXXX showed my credit score dropped by 30+ points. I was shocked and called Capitol One immediately. This time the representative said that I WASN'T enrolled in the Specialty and Early Assistance Program and that it was never initiated. I was told this would take place on XX/XX/XXXX.
I asked the representative to transfer me to the Specialty and Early assistance program ( S.E.A. ), He then proceeded to ask my " why '' I told him that I did not have to discuss my personal medical issues with him because I am protected under HIPPA and I already did this on XX/XX/XXXX against my will with a member of the S.E.A. dept. He then transferred me and XXXX came on the phone. She stated that I was NOT on the S.E.A program and why I wanted to be enrolled. Again I was forced to divulge my personal medical history, a violation of HIPPA.. She then offered to enroll me so I declined stating that I was told I was enrolled as of XX/XX/XXXX. She again stated that I wasn't in enrolled. I then told her everything that the previous representative of her department told me on XX/XX/XXXX. Shen then began excusing her coworker telling me that there was no way the representative could have told me that, I then asked her how does she knew when she didn't hear the conversation. She then said that she was reading the notes. I told her the notes ( that I cant see ) and what was told to me ( that she didn't hear ) are two different thing. I asked then to speak to a manager.
XXXX then transferred me to XXXX, a manager in Collections. I was surprised because I was speaking to the S.E.A Dept not collections XXXX confirmed who I was and again stated I was NEVER enrolled in the program. I repeated the details of the conversation I had with the representative of S.E.A dept of XX/XX/XXXX. She apologized. I told her that I needed more that an apology, I needed the late charges reversed, my adverse report to the credit bureau changed and the CALL PULLED from XX/XX/XXXX, PROVING that the representative misinformed me thus causing the late fees and ADVERSE EFFECT ON MY CREDIT.
I want to STRESS that I have been working very diligently on improving my credit score and payment history with all my creditors for the last 12 month and here I was lied to by Capitol One and they have damaged my credit.
Then, I asked XXXX to have her manager pull the call, she stated that she couldn't do this. I asked her " why? '' because at the onset of my call to Capitol One they state that " For training purposes, all calls are monitored ", so I know that they CAN pull all my calls. She then put me on hold to ask her manager what she could do. She returned to the line and stated that it would take 3 to 4 weeks to listen the call of XX/XX/XXXX and that they would contact me. I asked her how can I trust her when everyone has lied to me and I don't record the conversations with Capitol One. She then gave me a reference number and said that is all she could do I asked her how do I bring my account current now because I don't trust the Specialty and Early Assistance Program to help me as they are designed to do..She told me to pay $ 400+ by XX/XX/XXXX. I then told her that would out me in a 60 day late status, She then advised me to pay {$70.00} because I was 31 days late and that would remove the 30 day late status. I asked her again, will this be updated on my credit report, she said she didn't know. I asked her how she didn't know when she was a collection manager and they are the ones to do the reporting? She didn't know what to say. I then told her I would make a payment today for {$70.00} and I hope that they will do all they promised in this call.
She then gave me the reference number of XXXX. We ended the call
|
02/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I purchased supplements and oils from XXXX Ordered on XX/XX/XXXX Order # XXXX totaling {$290.00}. I contacted XXXX right away because the shipment was damaged and items were damaged and incorrect. They did a XXXX pick up and all items were returned. I am going to attach a screen shot so you can see the items were returned and accepted by XXXX. They only refunded me for {$15.00} and had no reasoning for it.
I have chatted with them various times, many phone calls and each time they tell me they don't know what happened and why I was only refunded a portion of the order when alll was returned. I am told they will escalate the concern and then nothing happens.
So I got my bank involved hoping they would take care of it. I have documented everything to them and they refuse to continue and close the case saying that they merchant says the products were not returned in the same condition when that is a GIVEN and we all know that. They said that they found no error in their processing when I have direct chats with XXXX that show they made errors and admitted to it. The website clearly shows that they made mistakes in their handling of the refunds.
1. I have proved the weight of the package sent and the package received are the same weight.
2. I have proved that XXXX was alerted the items were damaged PRIOR to the request for the return - thus your reply as that is the reason why you are not proceeding with the dispute and find no error is FALSE.
They knew it.
XXXX. All items were returned, I have tracking numbers and proof on the XXXX site. XXXX site shows that all items were received. They make mistakes all the time.
XXXX. I have a direct chat with an XXXX rep who admits they made a mistake with no refunding this whole order and tells me they will escalate the concern, but then they never follow up.
XXXX. I have talked with the shipper and they support me and will send documentation as needed.
Here is the proof that they were returned taken right from XXXX website on my account page.
Return/Refund Status Unable to load image Details XXXX Seed Oil XXXX Bag with XXXX Single ...
{$15.00} Refund issued for XXXX of XXXX items {$15.00} refund issued on XX/XX/XXXX.
Return received on : XX/XX/XXXX Return received. Processing your refund for XXXX of XXXX items Return received on : XX/XX/XXXX Unable to load image Details Enhansa Curcumin XXXX ( XXXX ) {$130.00} Return received. Processing your refund for XXXX of XXXX items Return received on : XX/XX/XXXX Here is a chat I had with XXXX and they confirm that I should have been refunded : hi I need my return tracking numbers for this order please Ordered on XX/XX/XXXX Order # XXXX You are now connected to XXXX from XXXX XXXX : Hello, my name is XXXX. I'm here to help you today.
Me : Hi I have to dispute these charges with my bank since you did not refund in full although all items were returned So my bank needs the returned tracking numbers for the order please.
XXXX : Upon checking with the refund status i see that a total refund of {$300.00} was refunded Me : for the entire order?
That is not shown online or with my bank, XXXX : XXXX XXXX refund was processed on Friday, XX/XX/XXXX XXXX PM {$290.00} Me : nope here is what we have XXXX : Tuesday, XX/XX/XXXX XXXX PM {$15.00} Me : ails Ordered on XX/XX/XXXX Order # XXXX View or Print invoice Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States XXXX XXXX XXXX XXXX XXXX Order Summary Item ( XXXX ) Subtotal : {$290.00} XXXX & Handling : {$0.00} Total before tax : {$290.00} Estimated tax to be collected : {$0.00} XXXX XXXX : {$290.00} Refund Total {$15.00} Transactions Only partial refund of {$15.00} was processed.
That is from your website do you see it?
I just copied that today I am on the phone with my bank right now.
XXXX : Can you ask them to check if they see any refund of {$290.00} Me : I am asking now.
are you XXXX percent sure of the date XXXX : XXXX, that is when the refund was processed, let me check this for you again Me : they tell me that you denied my dispute and only issued me {$15.00}. she is checking to see if a credit went through.
XXXX : Okay, i am checking as well Me : She is checking ...
She doesn't see anything for that order.
She checked thoroughly and nothing, XXXX : XXXX, let me check with my lead as well. please allow me few moments XXXX Me : All items were returned so I also need all of the tracking numbers when you get back please.
XXXX : XXXX i please know the reason why you returned these items back to us?
we did not issue the refund as the item was received in a damaged condition.
so Me : Did you find anything out about the returns? you said you were checking You said a refund was issued but it wasn't what did you find out?
All items were damaged and returned to you as received. I notated that when I did the return.
I need those tracking numbers so I can send them to my bank, please.
Why did you say you refunded me but you didn't?
XXXX : XXXX here is the tracking number just under the refund status it says charge back I did not notice that. We are sorry the items arrived in a damaged condition. That is not how we like to do business and you are correct you should have received a full refund.
Me : Is there only XXXX tracking number XXXX : Yup only XXXX tracking number Me : Why didn't you refund me as you said you did XXXX : I am sorry for the confusion, i just checked with my lead and my lead informed that the refund was not processed Me : why?
XXXX : So what you did was you contacted bank and disputed the charge, so bank people after investigation refunded {$15.00}. It looks like there has been some confusion.
We can raise a ticket to the returns team to check if they can check condition of the items and can issue the refund.
please let me know if I've to raise a ticket. And please also recontact your bank with this information.
Me : Please do that.
On XX/XX/XXXX, at XXXX XXXX, XXXX wrote : I will not accept to be treated like this by XXXX and now by my own bank.
I am a XXXX person, These orders were for supplements to treat a chronic illness. This is a lot of money to someone who lives on social security XXXX and banks need to be monitored. They are not handling this properly. I have filed a BBB complaint against XXXX and Capital one as well but I have no idea how much good that will do.
Please help me.
|
07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Good morning, On XX/XX/XXXX I wrote to Capital One regarding a telephone conversation I had with one of their account managers. Please see below as well as the attached documentation : As you are aware, the Coronavirus has impacted the world, the economy, businesses are being impacted with layoffs and most important, the loss of human life. On Friday, XX/XX/XXXX, the Governor of Nevada, XXXX XXXX ordered a mandatory shutdown of all nonessential business which is still in effect in the state of Nevada. Unfortunately, this crisis has shut down many businesses in XXXX XXXX especially the entertainment industry, restaurants and the hospitality industry as well as many other organizations. When I was informed about the decision from my manager on the XXXX of XXXX that our offices would be closing and I would be working from home, I immediately put together a budget then proceeded to reach out to all my creditors. On Tuesday, XX/XX/2020 I called Capital One to make payment arrangements for both of my closed accounts due to the recent Covid-19 Pandemic, also if customers would be receiving any kind of assistance. The representative was able to assist me, and I did not have to make a XXXX payment. I then followed up and spoke with representatives on XXXX and XXXX to once again inform Capital One that I would need more time to pay my accounts and was told everything would be fine and I wouldn't have to make any payments until XXXX. On Wednesday, XX/XX/XXXX at approximately XXXX, I called Capital One and spoke with a representative to let him know I would be making a payment for {$75.00} on XX/XX/XXXX. I was shocked when the representative informed me that I was late for my XXXX payment. I asked how it was possible since I have been so proactive with my creditors because I did not want to compromise my credit. I immediately asked to speak with a manager and was then transferred to a representative who identified herself as a manager/supervisor ID # XXXX at XXXX.
When I explained my situation to XXXX she put me a on brief hold and then informs me that when I called on XX/XX/XXXX I was already late, therefore I couldn't get an extension or my payment waived for the month of XXXX. I then informed XXXX that the service representative did not disclose any of this information to me as well as how it does not make any sense. I was granted assistance for two months inconsecutively ( for XXXX & XXXX ) but not XXXX when I called, and if I was late YOUR organization does not disclose this to the consumer. I asked XXXX if I could speak with a manager and her reply is " I am the highest and you won't speak to anyone else above me '', I knew right away either she wasn't a supervisor ( if so lacks skills & needs training ). I then requested what she was going to do in order to help me with this current situation as well as to play back the initial call in XXXX so we can hear what was stated. XXXX puts me on another hold then proceeds to tell me she has to put in a request to have someone/supervisor ( but she couldn't track the call and play it back at the moment ... really with today 's technology??? ). XXXX informed me it would take up to 20-30 days before someone could call me back with the outcome of the call. Once again, I asked XXXX for her help and what could be done today. I voiced my frustration again informing her my concerns that no one from Capital One has EVER returns a call back when promised, and to wait 30 days is crazy because I would be reported to the credit bureaus. I demanded to speak to someone who is in your executive offices and this is when XXXX became extremely rude, defensive, argumentative and continued to speak over me. Therefore, I demand to know, why the delay in getting help retrieving the call, what happened when I have complied every month and most importantly the lack of professionalism within the call centers. Most importantly, this is going to affect my credit rating. This is absolutely absurd ; it is obvious there is a severe lack of training as well as incapable employees working at your call centers. My ordeal was unfortunate and unnecessary. I am writing to see if I can get a senior manager to call me back from your corporate office to further assist me since your call centers are incapable of doing so. I am also writing to encourage you to take this opportunity to improve your call centers customer service in hopes of improvement. In these uncertain times I am striving to do what is right and constantly being met with frustration.
I did receive a call and a letter from XXXX who identified herself as XXXX XXXX, on behalf of Capital One on XX/XX/XXXX with a resolution ( please see attached ) and assured me I wouldn't receive any late fees, interest fees as well as not being reported to the credit bureaus. I was notified from XXXX that Capital One reported me for being 30 days late. Of course I reached out to Capital One immediately and a representative XXXX called me on my birthday telling me the reporting was accurate because I am past due on my account???? Seriously ... this is beyond frustrating. Since then I have emailed both XXXX XXXX Director of Complaints and XXXX XXXX President, Financial Services as well as the company ceo XXXX XXXX with no return response. I left XXXX XXXX a message this morning and was unable to reach Mr. XXXX. However, I am going to continue to call every day until this matter has been resolved.
I can express how frustrating it is to speak to some of these call centers representatives. Also, the lack of professionalism, assistance and how we as consumers are getting the run around. This is affecting my credit due to the organization lack of competent employees, I find it utterly ridiculous that I have to reach out to your organization for assistance meanwhile these corporate officers are making hundred of thousand of dollars if not millions, and they don't honor their own company mission statements when it comes to consumers.
Therefore, I am writing to you for assistance. I did speak to an agent for CFPB by the name of XXXX who informed me to send all of my correspondence in hopes that you have this company remove me from all 3 credit bureaus.
I will not relent until this matter is addressed - I am owed an APOLOGY from a corporate manager and hopefully this company can get their mess together!!!
Regards, XXXX XXXX
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09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My name is XXXX XXXX.
I have capital one credit card ( XXXX XXXX XXXX XXXX ) I filed the dispute the transaction on XX/XX/XXXX. I disputed amount of {$60.00} ( dispute case number XXXX ) I called capital on XX/XX/XXXX XXXX ( XXXX XXXX ) I talked XXXX ( ID XXXX XXXX ) on XX/XX/XXXX XXXX said I uploaded requested documents regarding this dispute on XX/XX/XXXX and capital one contacted store on XXXX and store have XXXX to answer so if store does not answer until XX/XX/XXXX I will get {$60.00} credit back. And at this moment store did not repond yet.
I called again to talk manager to make sure XXXX ( ID XXXX XXXX ) story because when I called on XX/XX/XXXX capital one said it is out of time frame and the case is closed.
So to make sure XXXX ( ID number XXXX ) story, I talked the manager at capital one again after I finished the conversation with XXXX.
I called again on XX/XX/XXXX at XXXX XXXX and I talked XXXX who is highest level of manager who said. ( ID number XXXX ) XXXX ( ID number XXXX ) manager said, capital one sent the denial letter on XX/XX/XXXX and requested me the proof regarding the dispute and I must provide the document within 30days which is XX/XX/XXXX and I uploanded proof document on XX/XX/XXXX so this is out of time frame and the case is closed and they can not investigate anymore.
As XXXX ( ID number XXXX ) manageXXXX said. I have letter dated XX/XX/XXXX with me.
The letter said I need to provided proof by XX/XX/XXXX not XX/XX/XXXX anyway it is not matter.
Capital one send the letter to my previous home address ( it was sent to XXXX XXXX, I am current live in la XXXX ) capital one letter was forwarded to my new address and I received this letter around XXXX. So I called capital one and capital one said I can upload the docoument online and capital one sent to me the link via email. This link capital one sent to me is valid only 14 days so I must upload within 14days otherwise the link will be expire ( the email from capital one said the link is valid only 14days so if the link expire contact the capital one so capital one can sent me again ) Of course I uploaded document within 14days before it expire. I provide very clear and good proof.
Even capital one representative on XX/XX/XXXX she said that I provide good proof but it is out of time frame capital one can not do anything regarding this dispute.
XXXX ( ID number XXXX ) manager insisted that this dispute is out of time frame because I did not provide the documents until XX/XX/XXXX so the case need to be closed.
I think XXXX ( ID number XXXX ) manager argument is not make sense at all. Capital one sent me email link to me to provide the documents and I provide documents within 14 days as it required XXXX ( ID number XXXX ) manager strongly and repeatly insisted that this disputed is out of time frame because I did not answer until XX/XX/XXXX but how can it can be out of time frame when I provide the proof to capital one email link within XXXX which the link require to answer.
XXXX ( ID number XXXX ) manager, she does not seems to solve the problems. She just repeatly and continuously said it is out of time frame.
1. My point is how can be XXXX. XXXX providing documents to capital one making the case out of time frame? It is totally wrong. I do not know every banking rule however It was XX/XX/XXXX transaction. As common senese, in normal situation, I think I can even start new claim on XX/XX/XXXX which is less than 3 months old. I do not think it is make sense deny my dispute as out of time frame when I upload documents on XXXX XXXX as capital one email link required to me.
2. My second point is XXXX ( ID number XXXX ) manager insisted that it is out of time frame but capital one never advised me or warn me valid period of time frame to avoid permantly case closing before it is closed.
Even though XXXX ( ID number XXXX ) manager said on XX/XX/XXXX it is out of time frame because I did not reply until XX/XX/XXXX, capital one never warn me that time frame period for permantly closing before capital one denied the dispute ( capital one should NOTIFY me that my case will be permanently closed that if I do not answer until XX/XX/XXXX ) 3. My third point is when I talked with XXXX ( ID number XXXX ) manager regarding time frame she said not only out of time frame but I provide insufficient evidence on XX/XX/XXXX When I talk customer service on XX/XX/XXXX even capital one representiative agreed that I provide good proof regarding this dispute but she said it out of time frame.
After I talked to XXXX ( ID number XXXX ) XXXX today I went to capital one website and I found out there is letter from capital one dated on XX/XX/XXXX.
I saw this letter for the first time. XXXX letter did not mentioned the time frame.
It said it lacks all of the previously requested information need to validate your dispute I provided good enough documents proof this dispute as capitone representative also agreed on XX/XX/XXXX. And if I did not provide enough documents why capital one letter never mentioned the which documents is missing?
even though I provided good enough documents to capital one if capital one feel it is not enough to decide this dispute why capital one never asked me additional documents to provide?
I provided good enough documents to capital one but capital one never indicted which document is missing nor requested me provide missing documents to contintue investigate.
I must feel Capital one do not have real intent to solve this dispute by this capital ones this kind of behavior.
I got two letters from capital one dated on XXXX and dated on XXXX ( I just confrimed this letter after I talked XXXX ( ID number XXXX ).
XX/XX/XXXX when capital one sent me the first letter to me, at that moment capital one already took credit from my account and they asked me provide documents. XXXX, capital one did not close dispute and took credit because I did not provide the documents. Capital one request me proof while they are already taking credit from account.on XX/XX/XXXX I truly believe The way catipal one handing dispute is very far away from fairness or rightness and it is also out of common sense. I hope capital one stop doing unfairness for handing the dispute.
I truly believe capitalone doing wrong without any doubt from my bottom of heart so decided to file this claim Thank you.
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12/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Servicemember |
I opened an account two years ago before leaving the country for XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXXI called Capital One and asked them to send me a new card to the same address on file, they needed to send a text to my phone to verify my identity. My number changed since first opening the account and I gave them my new number, this apparently alerted the fraud department. So I was transferred to the fraud department which asked me to upload a copy of my id into a portal for verification. After uploading my drivers license the representative tells me they are unable to accept it since it expired earlier this year - the purpose is to verify my identity and a drivers license whether current or expired still identifies me as the person who both hold the license which corresponds with the identity of the account holder : me. So I ask what other forms of identity are acceptable and I'm told there are none others. After speaking with a manager she tells me they can try to see if the system will accept my id from the Department of Veteran Affairs, which is a federally issued photo id that contains all the relevant information necessary to verify that I am who I say I am. They are unable to accept a federally issued form of ID. After asking what else can be done the manager then suggests I could upload a photo of my passport. The system for some reason kept rejecting the pictures of my passport even though the manager is able to see the pictures of my passport that I was attempting to upload. The manager then tells me the verification process can be escalated to a higher form of verification that she tells me I probably won't pass because I could pass this method. As I'd exhausted all suggested options at the point she escalated the case and I had to upload a proof of identity and residency to be reviewed by the fraud department 's back office and they would contact me within 7-10 business days. That call took 3 hours, it was partially extended becasue the manager sent the verification email to the wrong email address. On XX/XX/XXXX I still had not received any information from the fraud department so I called them again. Apparently they called the number on the account, which I already told them last call was no longer an active number as I'd changed my number since opening the account. After an hour and half waiting for the fraud department to answer the representative tells, XXXX, me they accepted my passport, but did not accept the letter from the Department of Veterans Affairs, a federal agency, addressed to me at the same address that corresponds to the address on file with Capital One, which is the same address I asked them to send my new card, because there are specific documents that can be accepted - though none of this was communicated in the email sent requesting the documents for verification nor was it stated on the website used to upload my proof of identity. However, she tells me I can send a bank statement to verify my proof of residency, which I promptly send. Once received she tells me she'll need to call the bank on 3-way with me to verify that the account is indeed mine, an extremely unnecessary step since this is the third document I've submitted indicating I, the account holder, live at the address listed in Capital One 's system, but I agree. After a brief hold she comes back to tell me Capital One can not accept my bank statement because my full account number is not visible, even though this is a document used to verify my residence not my account number. I explain that my entire account number is no business of Capital One and that while on 3-way with the bank they would in fact find out the account is mine and I live at the address stated on the bank statement, my passport, the letter from a federal agency, and also listed on my Capital One account. She says a manager would have to make a determination if the document could be accepted. So I'm transferred to XXXX, who tells me the same thing as XXXX. I go on to explain that banks rarely include a full account number on a bank statement for security reasons. XXXX then references a " terms and conditions '' document sent with the card, which I explain I do not have as I do not have the original card sent since I left the country after opening the account. When asked if he could provide me with a copy of the terms and conditions he informs me the only way to send them is via post as there is no pdf version available and he does not know where it can be found on the Capital One website because " it's not his job ''. So I go to the website and search for " terms and conditions '' while on the phone with him and he's unable to tell me which specific terms and conditions document to which he is referring since there were over 9 pages worth of results that returned for a search of " terms and conditions ''. He then goes on to tell me that the terms and conditions does not explicitly state the drivers license can not be expired nor does it state the bank statement must have a full account number visible. By this time I've spent 4 hours today trying to get this resolved and it seems that whenever I submit the documents requested there is always a loophole the fraud department pulls out in order to not resolve this matter, every time the reference this mysterious terms and conditions document that no one can send via email and no one knows where it is located online. When asked to speak to a manager above XXXX, he tells me there is no one else I can contact over him to resolve this matter. In total I've spent 7 hours on the phone with Capital One to resolve a very simple matter : send out a new card to the address on file and update my phone number. I asked XXXX if a bank verification letter, which includes my name, address, and account number would be sufficient and he told me he's not sure but would try once I receive the document otherwise it would have to go the back office for further review. At this point I simply want Capital One to send me my credit card as I've submitted a preponderance of evidence indicating I am in fact the account holder and that I still live at the same address on file with Capital One as indicated by an official letter from the federal government, an id from the federal government, an expired state issued drivers license, passport, and bank statement.
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07/18/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I would like to file a formal complaint against XXXX XXXX ( XXXX ) for discriminatory and deceptive business practices that includes and not limited to the following actions : I received a letter dated XX/XX/2018, stating my XXXX XXXX charge account has been closed to future purchase or credits. This closure was based on non credit reason.
According to XXXX XXXX a recent review of my disputes indicates that a productive customer-merchant relationship does not exist. It has become evident that XXXX can not meet my expectations.
The expectations XXXX XXXX refused to meet is Maryland law if an item is defective, the store must repair it, replace it or give me a refund, regardless of its regular refund policy.
I have ordered several shoes from XXXX XXXX online store. However, when arrived the quality was not as expected : 1. Shoes found to be worn or in damaged.
2. Shoes did not look the same as it does in the advertisement.
3. Refused to disclose the shoes will be in worse condition than what it says in the advertisement.
4. Refused to disclose the condition shoes were in at time of purchase.
5. Refused to disclose how long, much shoe had been used/worn.
6. Defects, conditions and discrepancies were not disclosed in the description.
7. Ripped boxes so dirty inside it made me sick and these shoes retails at $ 700- {$1200.00} dollars.
I would like for your office to investigate the unfair and unethical sale of used worn shoes without full disclosure.
I received a worn pair of shoes when I placed my first order and this practiced continued ( 5 ) additional times after I notified XXXX XXXX of my XXXX as defined under ADA and the following health risk associated : If someone with a XXXX XXXX wore a pair of shoes and some of the fungi were left in the shoes, it can continue to survive for quite some time. It doesnt take much to get a XXXX XXXX. Wearing used shoes can make it easy to catch it right away, and the more you wear those same shoes, the worse it could become.
XXXX XXXX not only thrives in shoes, but it is also extremely contagious. Thats why sharing footwear with people who may have a XXXX should be avoided at all cost. It doesnt take much to get a XXXX XXXX.
All of the shoes ordered online were worn or defective, each time XXXX XXXX apologized offered to lower the price on the worn/defective shoes and discounted purchase of an additional pair.
Please be advised over the past ( 2 ) two years this is what happen each time I ordered a pair of shoes. Either I received damaged or worn shoes offered a deal to buy worn damaged shoe, offered a discount on a purchase of another like kind pair. ( Pictures and documentation available. ) Each time I questioned XXXX on why and how I keep getting damaged or worn shoes, asked why XXXX are refusing to disclose to consumers shoes are worn, returned, restocked prior to purchase and giving consumers the choice of making said purchase. Also asked XXXX not to send me anymore used worn, restocked or damaged shoes.
Over the XX/XX/XXXX holiday I ordered a pair of shoes which were damaged and returned.
Because the shoes were no longer available XXXX XXXX agreed to sell a like kind shoe at the same price. When this shoe arrived is was worn and damaged.
XXXX refused to exchange worn damaged shoe which at the time had the exact shoe in my size in stock. Instead XXXX offered an additional 10 % of the damaged shoe but refused to take worn/damaged shoe back and exchange for a brand new pair which XXXX had in stock.
I respectfully declined their offer to purchase the damaged shoes asked XXXX to make arrangements to pick up the worn damaged shoes and exchange for a new pair which was in stock.
I called the corporate manager and she basically told me that XXXX no longer needed my business, had closed my credit card account and refused to take back the damaged shoes in direct violation of Maryland laws.
I would like your office to investigate and provide protection from these abusive practices with merchants aggressively selling used shoes then engaging in abusive retaliatory actions of closing a consumer credit card account with full knowledge this would adversely have an immediate impact on the consumers credit scores.
XXXX canceling my card can certainly have negative effects on my score, especially if it causes my credit utilization to rise or my length of credit history to be reduced significantly.
Specifically, this is my combined credit utilization percentage ( total card balances/credit limits ) that, once it gets higher than 25 percent or so, could be impacted when any card is closed.
At such a percentage or higher, removing the amount of available credit provided by XXXX account, which is what will happen when the card is closed, is likely to increase the credit utilization percentage and lower your credit scores.
Therefore, I can not allow XXXX to close out my credit card account based on their charge that a productive customer-merchant relationship does not exist. It has become evident that XXXX can not meet my expectations.
When in fact XXXX retaliatory actions of closing consumer account were intentionally designed to have the most sever impact on the consumer financial purchasing as punishment for exposing XXXX practice of selling worn/damaged goods.
Closing out my XXXX account would not stop me from using another method of payment including cash transactions to make a purchase at XXXX. Therefore, XXXX only intend is to destroy the consumer credit scores.
I would like your office to investigate this illegal practice and provide consumer protection from XXXX abusive practice of risking health, refusing to follow Maryland laws allowing returns of defective merchandise, then closing credit card account with no legal reason when a consumer complains.
I am seeking assistance to stop XXXX from closing out my credit card account, in addition, return and exchange the worn damaged shoes and prevent this company from processing online sales without full disclosure of the health risk involved with buying restocked, worn or damaged merchandise.
Thank you in advance for your assistance and cooperation with this matter.
I look forward to hearing from your office ; please let me know if you are in of any additional information.
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10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Wednesday, XX/XX/2022 Attended a " presentation '' of XXXX XXXX membership information and VIP incentives with XXXX XXXX representative, XXXX XXXX. This was a high-pressure sales presentation. We were presented with very favorable incentives to entice us to join by XXXX XXXX. **Initially, agreed to a 90 min information sess! on, but we were kept in the sales room for over 4 hours. ** Agreed to sign up for VIP membership based on the several promised incentives by XXXX XXXX. Photo was taken of the handwritten notes made by XXXX XXXX which outlined the various promises and incentives we were supposed to receive. ( See attached copy of those handwritten notes. ) Required to meet with a different XXXX XXXX representative, a XXXX XXXX legal representative, to sign the VIP membership contract. Each page was presented very quickly and by someone who was not a part of the initial sales presentation ( so he can " play dumb '' and not have the information to answer our questions ). This is when we initially noticed that some of the wording regarding the incentives was not the same as that used by XXXX XXXX. We were assured by the representative handling the contract that we would receive all incentives promised to us and that the wording was actually explained in a different paragraph to mean the same thing as what we had been told and promised by XXXX XXXX. Very confusing!!!! **Again, by this time we had been there for OVER 4 hours and were wanting and NEEDING to leave! This is a tactic they use so that people will agree to whatever is in front of them in order to be allowed to leave.
About an hour later, I texted XXXX XXXX for clarification regarding some additional wording that was different in the contract from what we were told verbally prior to signing the contract. We were finally allowed to leave and to have some space to discuss on our own, and re-read without pressure, the contracted and attachments.
Thursday, XX/XX/2022 XXXX XXXX XXXX again for clarification regarding the wording and dates of the incentives as written in the contract that was different from what he had verbally promised us. XXXX XXXX specifically stated " Sorry they made a mistake '' and told me he would fix it. I asked if we would get an email with the corrections and he stated that I would " for sure '' get an email confirmation. I was then informed that they changes had been made and I would be getting an email with corrections and new documents to sign.
Friday, XX/XX/2022 XXXX XXXX XXXX to inform him that I had STILL not received an email with corrections to the membership contract.
I expressed my concerns to XXXX XXXX since I had not received the corrections and was worried we had made a mistake by joining the XXXX XXXX membership. XXXX XXXX replied " No worries I'll make sure you get it fixed ''.
Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX to let him know we STILL had not received any corrections to the membership contract. He said he had been told the corrections had been made and emailed to us. When I told him we had still not received anything, he said he would check on it.
Later that evening, I texted XXXX XXXX AGAIN to tell him we had not received an email with corrections and explained to him that the 4 specific incentives that he hand-wrote when we first met, were the main reasons we agreed to join the VIP membership. Those incentives were still not specifically written in our contract. I expressed our frustrations and concerns and stated that we were beginning to consider looking into the option of cancelling our membership, through our credit card company and possibly XXXX XXXX XXXX XXXX XXXX XXXX ).
Sunday, XX/XX/2022 Received a text from XXXX XXXX stating he would check again on the documents and stated " I won't leave the office until you get the right paperwork '' and " I'll make sure everything is Done! '' Received email from XXXX XXXX, from the legal department of XXXX XXXX. The email had a document attached titled " Change of Financing '', that changed the number of payments that needed to be made before 2 of the incentives could be used, but was still not what was initially promises or agreed upon.
I responded to XXXX XXXX 's email, letting her know that the addendum was STILL not correct and explained specifically why these corrections were still not what was agreed upon or promised by XXXX XXXX prior to agreeing to join the XXXX XXXX VIP membership.
Monday, XX/XX/2022 Submitted a form on the website for XXXX, which handles grievances and controversies involving timeshares and other types of membership contracts from a supplier located in XXXX.
Sent an email to XXXX XXXX, legal representative for XXXX XXXX, requesting the cancellation of our membership with XXXX XXXX and that our signatures be withdrawn, per XXXX law, and since we were still within 5 days from the date of contract. I also asked for the immediate refund of the {$4700.00} that had been charged to our credit card as part of the down payment for the membership.
Tuesday, XX/XX/2022 Initiated a dispute with Capital One regarding the charge of {$4700.00} on XX/XX/2022.
Monday, XX/XX/2022 Received an email from XXXX XXXX regarding a renegotiation of the original contract.
Friday, XX/XX/2022 Received a second email from XXXX XXXX regarding a renegotiation of the contract and a demotion to our XXXX XXXX membership level.
Thursday, XX/XX/2022 XXXX XXXX responded to Capital One regarding dispute resolution citing cancellation policies that are not applicable to the circumstances of this case.
Friday, XX/XX/2022 Received confirmation from XXXX ( XXXX XXXX XXXX XXXX ) that they received my email requesting assistance and initiating a dispute regarding XXXX XXXX. Their response also outlines the consumer rights under XXXX law and the time frames necessary for cancellation of timeshare or other similar contracts WITHOUT PENALIZATION.
Sunday XXXX Received email from XXXX XXXX regarding a renegotiation of the contract and an additional demotion to the XXXX XXXX membership level.
Friday, XX/XX/2022 Received another email from XXXX XXXX regarding a renegotiation of the contract and an additional demotion to the XXXX XXXX membership level.
Friday, XX/XX/2022 Sent a follow up email to XXXX requesting additional assistance regarding dispute with XXXX XXXX.
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11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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CAP ONE AUTO is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CAP ONE AUTO ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAP ONE AUTO ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CAP ONE AUTO can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAP ONE AUTO for the cancelled debt of { {$10000.00} } in order to file as ordinary income. Where is my 1099-C CAP ONE AUTO is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! CAP ONE AUTO has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CAP ONE AUTO terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of CAP ONE AUTO nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
CAP ONE AUTO must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by XXXX ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have note given my consent to give my information to 3rd party. Delete all my information ASAP.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
( Pub. L. 106102, title V, 502, XXXX XXXX XXXX, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), XXXX XXXX XXXX, 124 Stat. 2095. )
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12/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX I was presented a pre-approval from Capital One a trusted company I have 2 credit cards with. It took a couple of days of " Sleep on it '' before I decided to go for it. Keep in mind, I really did n't need a car, but when it came to safety features, I was a little out if date with my XXXX XXXX XXXX No sooner than I received this offer a XXXX XXXX XXXX popped up from one of Capital Ones Authorized Dealerships, hereafter known as, XXXX XXXX XXXX XXXX. I called and made an appointment, to test drive and possibly bring home, not in despair for a vehicle at all. I arrive there XX/XX/XXXXapproximately XXXX and asked for the female I made the appointment with and was passed to a salesman by the name of XXXX. I went on my test drive and liked the car. We get back to the dealership to complete the CAPITAL ONE " REQUIRED '' ( You ca n't just take someones car off the lot with proper funding ) paperwork i.e.application, Drivers License, Proof of Insurance with XXXX after negotiating the price of the car. I signed an application that had bold stamp in the top " CAPITAL ONE '' I trusted XXXX XXXX. After completing my documentation with XXXX, I was placed in a waiting area for a few minutes and was approached by, the Finance Manager, XXXX XXXX, I assumed was to complete Title change documentation etc ... Before taking me to his office, he asked if he could shop me for a better rate?, I replied, " No, Please do n't, I know financing and I am okay with my rate at the time from Capital One, keeping all of my credit in one trusted place ''. XXXX XXXX XXXX turned and went back to his office and I guess that is when he began shopping me 6 times to various Lenders including a hard pull from XXXX aka Capital One Auto Financing, of which I was accused of pulling that credit myself and cinfirmed with Capital One, that they only REQUIRED a SOFT PULL, being I was an existing Custimer and that is how they 'd already pre-qualified me based on past history. XXXX XXXX summons me to his office then began to attempt to obsurb the entire allotted approval amount of {$25000.00}, I assuming since he fail his attempt to make a broker fee, he tried another tactic to sell me on bumper to bumper warranties, telling me those cars are known to have costly electrical problems etc..After XXXX had already told me it 's a good car and it is, I agree XXXX miles. After my analysis of the XXXX, I declined and I am so very happy I did. 1. The car is perfect, no complaints, especially after looking at their service reviews online. They have horrible customer service after the deal is done. XXXX was an excellent salesman, very pleasant, no complaints in that area. To rectify this situation of the hard pulls that reduced my FICO from XXXX to XXXX in 12 days, I 've spoken with OVER 4 people, including the Owner XXXX XXXX since this incident occurred XX/XX/XXXX. The only person who reviewed all of my information forwarded to him and was understanding, apologetic and empathetic of my situation was XXXX XXXX of whom we finally agreed to a settlement of " Goodwill '' in the amount of {$2500.00}. We are all human and XXXX XXXX was having some personal issues, of which at times I refuse to intervene or pressure him, giving him time to work things out for himself. As time progressed, it became one thing after another, so I called, with the hopes of relieving him, and spoke with XXXX XXXX XXXX This is where the nightmare got worst, this was a bad decision on my part, she demanded after 5 or months in, I start all over again sending in more information. The more I sent the more she wanted, until all if the information that was readily available online was no longer in the XXXX XXXX portal and my scores began to go back up. At one point she stated " see there, your scores are going up ''. Go figure, they would 've went down if XXXX would 've honored my request and not have left me with 11 hard inquiries 6 of them he did and XXXX XXXX told me I applied for the XXXX, no I disagree and it has been confirmed with Capital One, XXXX did that one to get broker pricing and rebate. With all that I have gone through with this Dealership, I am now requesting a Good Will settlement of Good Faith in the amount of {$6000.00}, of which not totalling fair and far less of the Fine by Law accordingly to CFPB for this violation. Punitive damages of problematic humiliation, when one if them laughed in my ear, as I began to cry as I was driving I could n't get his name correctly. They all think this is a joke with the exception of XXXX XXXX These practices with dealerships must come to a hault. I backed up due to the recent fire in that area praying none of them or their families were hurt, homes and cars can be replaced, not lives. So when the smoke cleared out there I reached out again for resolution. I am certain I am not the only one this has happened to and not just their dealership either. I am a XXXX XXXX XXXX XXXX and have been in the Industry in the XXXX XXXX for almost 20 years and have never be exposed to anything like this. Please help. XXXX XXXX had gotten so rude with her obnoxious, ludicrous and obsurd request, I kindly ask her to please stop contacting me. I then contacted XXXX XXXX XXXX and he passed me back to her. She sent me an e-mail requesting my name to be shown in XXXX XXXX and I sent her one back, apologetic for my frustration, told he once again I can come out and login, that went unwarranted and can we please work this out and be done with it. She then sent me an e-mail asking me to cease harassing their dealership. I had to remind her of my request for her to stop in XX/XX/XXXXand I will deal with XXXX XXXX XXXX he passed me back to XXXX XXXX knowing we were n't going to get anywhere. I am not combative, nor am I ignorant. I did n't go online and bash then like I should 've. I believe I am taking the appropriate route and this will be put to rest.Please see the attached emails, text messages and thankfully I have written voicemails from XXXX. Apologies, they could not attach using this device. I have them and I have them on flash drive. I wanted to be their Consumer, not just their Customer. Please DO N'T forget about others going through this same situation and some end up catching the bus home with a XXXX FICO.
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09/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX, XXXX has chosen to collect a debt such company purchased from Capital 1. Capital One will not release the data that they say to have which prove that the debt is mine. Such data is fraudulent : my STOLEN Social Security number, a fraudulent address in XXXX and my cellular phone line -which was hacked and reported as such when I noticed there was a problem with it latter on in XXXX. By the way, I am not a phone number nor a voice over it, my phone number is not my identity. Where are the legal documents that identify me as a legitimate credit member?
This is the process I have been through : XX/XX/XXXX I receive letter from collection agency XXXX, XXXX and XXXX, PL. Letter states company attempts to collect a debt from original creditor Capital One, NA and current creditor XXXX XXXX XXXX.
I submitted complaints through the Consumer Financial Protection Bureau. The above mentioned agencies replied that debt was valid.
The debt consists of {$170000.00} owed to Capital One, on a card opened as a result of identty theft. My Social Security information was used, and a fraudulent address in XXXX was used to open the account. The card was applied for in XXXX - XX/XX/XXXX.
My XXXX XXXXXXXX phone number was used as well. I noticed that my missed call log was displaying " call answered on another device '' message on XX/XX/XXXX. I contacted XXXX XXXX in XX/XX/XXXX and placed a Fraud Block back then. The information will be accessible to lawyers by contacting XXXX XXXX Legal Department.
On XX/XX/XXXX I placed a police report, contacted the Credit Bureaus and personally visited XXXX, XXXX and XXXX. I submitted proof of address, tax returns, the 3 credit bureaus reports, and invoices of some of my professional services as a freelance teacher in XXXX during some of the days when the fraudulent transactions were committed. I also provided evidence of being out of the state during one of the dates that one of transactions took place, with hotel information and an XXXX XXXX electronic ticket. I signed a notarized affidavit of fraud and submitted it to XXXX, XXXX and XXXX as well.
XXXX told me that the process would take about a month, that I would be notified, as they had to work with XXXX XXXX, their client, to resolve the issue.
On XX/XX/XXXX, I received a notification from XXXX that XXXX XXXX had reported the collection to my otherwise- and always- pristine credit report. My credit rating and report was damaged due to this action. I simply do not borrow money and pay my credit cards monthly in full, as it can be evidenced in my reports. Never a late payment.
I required from Capital One, by US Postal Service certified mail, that they submit to me all the evidence related to the fraudulent account such as application, payment slips, store receipts, signatures, etc. I have the right to receive all this documentation.
When I spoke to their representative, he stated that their information was correct as public records place me in XXXX and that my cellular phone number line was used. I received a letter stating that their investigation is correct and that they are not changing anything. I need to explain that the fraudulent Capital One card never appeared on my credit reports, so I had no way to know that this was going on.
Upon examination I found that my address had been changed to the fraudulent address. At this moment I believe this fraud could come from Capital One, itself. Capital One was either negligent in their processing of applications, to benefit from the fraud ; or the fraud might have been an inside job. Capital One should use non-negligent and lawful practices and review the investigation with the knowledge that I am providing. I am the victim here, I am being treated like a criminal. All this process has caused countless hours of effort reviewing and submitting documentation, as well as a wide range of inconveniences and related health problems due to stress.
How could Capital One award someone a credit card with a {$10000.00} credit limit, when my credit report does not show my employment information? Let 's talk about not being negligent in their process of approving credit cards with a credible investigation of the customers. Did they realized that as a freelance teacher on XXXX my income was extremely low for the credit limit they approved on my behalf?
I have also notified the US Post Office that identity theft that I am a victim of Identity Theft enabled by the use of a criminal postal address. Upon studying my credit reports I found several unauthorized inquiries mostly from Capital One to my credit reports.
My stolen identity was also used to open another credit card. I found that an additional XXXX XXXX credit card had been opened on my behalf. Fortunately, no charges had been made. As I called XXXX XXXX to let them know that this card was open in a fraudulent way, first thing I hear from the customer service representative is " XXXX XXXX we appologize as we know we have had trouble delivering your card '' ( Again, the XXXX address ).
It would be easier to pay the money owed as it is sitting on my savings account, however, I refuse to be the victim of these criminal actions against me. I am asking to XXXX, XXXX to consider the fraudulent nature of their business before hiring an attorney. I have nothing to lose in providing evidence to support my claims to a judge.
XXXX, XXXX and XXXX has closed my file, as I have just found out ( XX/XX/XXXX ). I ask XXXX XXXX, XXXX to consider that a fraudulent account has been purchased ; after being approved by Capital One in a negligent way. My address was changed by the CREDITORS, not by me, either by negligence on their application process or by upfront choosing to do it to profit from a theft victim. The information used to validate the debt is fraudulent. Please consider revising the documentation provided. In my tax returns you can see that my address is not the one used to open the card. I ask XXXX XXXX, XXXX to investigate further, do the right thing. It is a matter of money for the company, but it is an assault on me.
XXXX can choose to side with the perpetrators, and/or with the negligence of Capital One.
I am happy to provide any documentation needed to prove my case.
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03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I had opened a Capital One MasterCard credit card about two years ago. On XX/XX/XXXX, I decided to apply for a new credit card due to a promotional bonus and also needing a Visa CC for Costco Gas. The credit card was approved and days later, my existing card was restricted. No email, call, text, or notification. After calling in several times XXXX and XXXX, was told I had to complete a verification that my social security number belonged to me before both of my accounts could be unrestricted ( Form SSA-89 which is Authorization for the SSA to release social security number verification ). Note I have joint savings and checking accounts with my husband at Capital One with thousands in deposits as well.
I receive this form in XXXX ( now 1+ month later ) and sign and send it back. XX/XX/XXXX and they have not received the form accordingly to them. No clear answer as to what's happening at this point, only that they need the form signed to verify my SSN belongs to me. Capital One resends the letter and provides me with an emailed link to upload a copy of the XX/XX/XXXX letter I had mailed. Apparently the copy I uploaded did not suffice as it needed to be signed within 30 days ( even though the form states the consent is valid for 90 days ). I used the link to also upload my passport, green card, social security card copy, XXXX IRS tax transcripts, NJDL, gas bill, cable bill, and documentation from XXXX, all of which support my name, address, DOB, and SSN ( my full identity ). This is now in XX/XX/XXXX.
Beginning of XXXX ( about the XXXX ), no response, call, email, or text from Capital One still. Sign on to online banking and see that now BOTH of the credit cards are closed. I've now called in over 15 times and spent countless hours on the phone trying to rectify the situation. I even offered to go to a Capital One branch to show my identification in person to verify my identity. I've gone above and beyond to prove my identity and even continue to have no issues with my existing Capital One deposit accounts and over 5 different banks I also use. I call in and am told my credit card is closed and the fraud department was unable to verify my name matches with my social security number. A representative offers to assist me by personally handling the matter and to this day, I have not had a response from her. She simply stated my name does not match my SSN per the social security administration information they received. I asked her to confirm they ran the name and number correctly. No response as of yet on this. She asked me to go to the local social security office, which I did about a week later to request a letter validating my SSN belongs to me as Capital One recommended.
The SSA states they do not provide letters as my SSN belongs to me and my SS card is my proof of this. I've already provided this to Capital One. I call in and advise the same. I also ask for a new link to upload additional supporting docs and ask for the same rep that assisted me to please call me back. Multiple calls asking for her to call me back have gone unanswered. I received the link ( still XX/XX/XXXX ) and uploaded additional supporting documentation, including mySocialSecurity website printout showing I'm enrolled and that my SSN, name, and address all correspond to the information Capital One has received from me. I also uploaded my XXXX tax refund that I'd just filed with my husband in its entirety along with the XXXX from my employer. Not my direct deposit goes into the Capital One checking account that is STILL opened to this day. How is it possible that Capital One will close out my credit cards because " my social security number doesn't belong to me '' but leave my deposit accounts opened where I have thousands of dollars deposited?
This is terrible business practice. Seems to be more convenient to keep my deposits when it benefits them. Note I also have NEVER made a late payment or carried balances, which ALL of the reps I spoke to confirmed as well. There were no prior issues at all with the account. to this day ( XX/XX/XXXX ), Capital One has not responded at all to my inquiries. Every time I call I'm told the documentation I provided is still being reviewed. I had even uploaded my a new picture of my social security card and the supporting documents ( passport, driver 's license, green card, tax transcripts, etc ... ) back in XX/XX/XXXX. I have never been so ashamed and embarrassed to have to " beg '' for assistance so many times. Terrible, terrible customer service and follow-up. No accountability whatsoever. After bringing Capital One so much business over the years ( and I still have a banking relationship with them as does my husband, who has 3 credit cards actively being used and in good standing - one of which I'm an authorized signer on, ironically ), this is how they treat me? Truly disappointing and unacceptable.
If I was impersonating someone, why would I continue to " expose '' myself by submitting so much supporting documentation supporting my identity? Why would I volunteer to go to a Capital One branch to show face and verify the original documentation in person? Why hasn't Capital One accepted me going in person to verify my government-issued identification? There are so many disconnects that I still can not believe this is happening today.
I even emailed the CEO last week and to this day - no response. At this point, I don't even know what to do to try and get a straight answer. There is just no customer service. Capital One has NEVER sent me any correspondence whatsoever related to my accounts being frozen or eventually being closed. They REFUSE to assist me and provide customer service. I am STILL a customer and continue to have thousands of dollars in deposits with them under MY NAME with MY SSN, which they say does not belong to me and as a result closed out my two credit cards? This doesn't make sense. Someone or multiple individuals are not doing their job. These are unfair business practices that are taking place and bad customer service, which shows they truly do not care about assisting their customers and only continue to provide the services that truly benefit their bottom line, in this case, thousands in deposit balances.
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10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Complaint Against Capital One Auto Finance for Violations of Federal and State Laws, Breach of Contract, TILA Violations, Misrepresentation, Willful Non-Compliance I am writing to file a formal complaint against Capital One Auto Finance, citing their alarming and continuous willful non-compliance in the face of legitimate inquiries and concerns related to my auto loan account. On XX/XX/XXXX I diligently sent a debt validation letter to Capital One Auto Finance & its Registered Agent a legally mandated request seeking validation of the legitimacy of my auto loan account. Astonishingly, despite sending this letter in XX/XX/XXXX, my correspondence has remained unanswered to this day. Furthermore, I communicated additional concerns to Capital One Auto Finance & its Registered Agent in XXXX, specifically drawing attention to a suspected case of fraudulent activity intricately connected to my auto loan. My letters, dispatched in XX/XX/XXXX, meticulously outlined the details of the alleged fraud, accompanied by an urgent plea for an immediate and comprehensive investigation. Despite the gravity of the matter and the urgency conveyed, Capital One Auto Finance & its Registered Agent has exhibited a complete disregard by failing to engage in any form of communication or commitment to resolving this critical issue. The lack of response to my inquiries and concerns, particularly within the stipulated time frames, outlines a persistent pattern of non-compliance, which has extended over 10 months. I wish to underscore that their ongoing non-compliance has not only inflicted significant emotional distress, but also demanded a substantial commitment of time and resources to get letters notarized and also imposed a substantial financial burden on me, as all the letters were delivered through certified mail with even additional out of pocket costs for return receipts. Capital One Auto Finance 's ongoing transgressions is in violation of my consumer rights including both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n and 15 U.S. Code 1681o.
Under 15 U.S. Code 1681n of the FCRA, entities that willfully fail to comply with respect to any consumer are liable for any actual damages sustained by the consumer as a result of the failure to comply. Moreover, under 15 U.S. Code 1681o, entities that willfully fail to comply with respect to any consumer are liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure to comply, in addition to punitive damages.
Capital One Auto Finance 's & its Registered Agent actions, or lack thereof, not only infringe upon the FDCPA and FCRA but also pose a serious threat to my consumer rights and financial well-being. They continued to demonstrate a complete disregard for federal, state, common, data protection, regulations, and ordinances. Their disregard for the law and their responsibilities as a financial institution is unacceptable.
Furthermore, Capital One Auto Finance also constitute a violation of XXXX XXXX ( XXXX ) ( a ), a provision of the Uniform Commercial Code ( UCC ) that implies guilt by estoppel when a party fails to rebut an affidavit. I sent an Affidavit of truth in XXXX along with the other letters under the certified mailing number XXXX, seeking to address the alleged fraudulent activity, and no rebuttal was ever sent back. Capital One Auto Finance has failed to provide a rebuttal, effectively allowing the unrebutted Affidavit to stand as truth in commerce. Their failure to rebut the Affidavit indicates guilt by estoppel under XXXX XXXX ( XXXX ) ( a ).
Attached, please find copies of all relevant correspondence and documentation, including proof of delivery and signatures of the letters I sent and supporting evidence concerning the alleged fraudulent activity violating Truth in Lending Act ( TILA ) specifically but not limited to 15 U.S. Code 1635, 15 U.S. Code 1605, 16 CFR 433.1, and 12 CFR 1026.4. These violations encompass a range of critical issues, including mixing cash in a consumer credit transaction, failure to provide clear and conspicuous right-to-rescind paperwork, mishandling of the rescission process, and contractual discrepancies, these violations not only contradicts laws and regulation but raises significant concerns about the legality and transparency of the transaction and contract.
I firmly believe that Capital One Auto Finance 's & its Registered Agent actions, or lack thereof, not only infringe upon the FDCPA, FCRA, and multiple federal laws and regulations but also pose a grave danger to consumers ' faith in the financial system and their rights therein. I demand not only a swift and comprehensive resolution to this matter but also an unequivocal expectation that Capital One Auto Finance provides a comprehensive plan for addressing the significant impact of these violations and errors on me as a consumer. Moreover, I request a plan that empowers me to select the remedies and accommodations I believe are most suitable for rectifying the harm they've caused and upholding my rights.
In conclusion, Capital One Auto Finance 's actions have not only breached our contract, violated numerous federal and state laws, and infringed upon my consumer rights, but they have demonstrated a consistent pattern of willful non-compliance. Despite my earnest attempts to seek resolution and clarity by sending multiple letters concerning the subject in question, Capital One Auto Finance has, regrettably, chosen to remain unresponsive. They have not only neglected their legal obligations but have also failed to provide any form of restitution or resolution, displaying a concerning lack of compliance with federal laws and regulations.
This willful non-compliance not only deepens my concerns regarding their actions but also raises significant questions about their commitment to ethical business practices and the well-being of their customers. It is my hope that the Consumer Financial Protection Bureau will address these grave violations promptly and decisively, ensuring that justice is served and that consumers like me are protected from such misconduct in the future.
|
07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
|
This is what I sent to Capital One to dispute the 2 {$4000.00} charges.
Case # XXXX AND XXXX Merchant is XXXX Date of transaction XX/XX/2022 twice at {$4000.00} each = {$8000.00} XX/XX/2022 Today I received a letter in the mail from Capital One saying that this dispute is NOT resolved.
1 ) There IS NO SALES AGREEMENT with XXXX. They never sent me a contract. I never signed or agreed to a contract. We had a verbal agreement for 1 to 2 months. ASK THEM FOR A CONTRACT. I refused until I saw that the product worked as described IT DID NOT.
2 ) I was advised that I was NOT in a contract and this was a trial basis.
3 ) CAPITAL ONE GAVE THEM MY NEW CC #!!!!!!!! After service was terminated!!!! I have proof that I had effectively blocked them from taking my money 5 times. Capital One took it upon themselves to step into this transaction and decide what I was doing with XXXX.
XX/XX/2022 ( see email string ) I received a sales call from XXXX XXXX. After an extended period of time/ conversation ( that they record ) she convinced me to sign up for the marketing program. She guaranteed I would make money off it and that it would be profitable. I refused to sign a contract and they never sent me a contract. This was a trial basis. I gave her my credit card number over the phone and authorized her to charge me {$4000.00}. I never entered it into the computer. I had no intention of doing this. I was not told this was done. I do not know where this site is. The paperwork they sent you as evidence was news to me because I always went through people XXXX and XXXX.
XX/XX/2022 I received my first vetted lead but they had no last name and never returned a call. XXXX. I received 1 more lead just before the end of the 30 day period, neither are buying in my market.
XX/XX/2022 ( see email string ) I received a notice saying my cc had not gone through. Great. It wasnt supposed to. I had called XXXX multiple times and told her I was very unhappy with the service. TWO leads for {$4000.00}. I wasnt moving forward. I complained multiple times and asked to speak with her manager. Again see the email string. XXXX XXXX finally called me back. He said that XXXX had made a bunch of mistakes including not giving me a XXXX XXXX XXXX!!! I did not receive what I paid for. See email string, XXXX XXXX reached out to me on XX/XX/2022 in an attempt to salvage my business. He said that XXXX XXXX had given me financial credits because one poor lead with no last name etc and because I was not assigned XXXX until more than a month after I signed up! This was not how onboarding was supposed to go they dropped the ball.
XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 their auto system kept trying to charge me. They did not have the correct credit card number, and were not supposed to until CAPITAL ONE GAVE IT TO THEM!!!!!!! You had no right to do that!!!!!
XX/XX/2022 Email string. XXXX finally gave me a presentation on XX/XX/XXXX that was supposed to happen the week of XX/XX/XXXX when I had signed up. I went through my leads with him and he agreed there were none that would buy in the group. I had been telling him since my first day with him that I wasnt happy, I did not receive what was sold to me ( namely many viable leads ). He said he was sorry I started out so poorly with his company. I made it clear it didnt work and I was out. He agreed. Every conversation is recorded- he has it. I do not know how much in credit XXXX XXXX had given me his conversation should be recorded also. They knew I wanted to cancel after the first month and they both strung me along, and then stole from me.
XX/XX/XXXX, XXXX called me and said what did you do? I said what are you talking about? He said I thought you cancelled I said I did. He said the charge on my card went through. I said impossible because they do not have my card. Then I called Capital One and found out you gave out my number!!! XXXX knew I was cancelled! Again, they record all of their conversations ask for it!
XX/XX/2022, XX/XX/2022, I called the only manager number I could find, XXXX XXXX XXXX. I left him several messages because I didnt understand why I was getting calls. Then I left XXXX several messages. He ignored me for several days and then called me back on XX/XX/2022 saying that yes, my account WAS turned off. He said QUOTE we are not baiting you. I was very relieved because I thought they were! I asked if I should answer the calls, and he said YES, your account is turned off so it is their mistake. So after that I started answering the calls but there didnt work/ go anywhere.
XXXX DID NOT deliver what they said they would. I received 2 phone calls the first month and they are both not buying in my market. I did NOT get XXXX the Business Partner until the second month when I was leaving, and then he didnt even do his presentation until weeks later. They said they were crediting me advertising which I took as the second month. EVERYONE knew I was unhappy and that it wasnt working out.
I HAVE NO CONTRACT WITH XXXX. I REFUSED TO HAVE A CONTRACT UNTIL THEY PROVED THEY WORKED. THEY DID NOT WORK, DID NOT DELIVER WHAT WAS PROMISED LEADS OR A BUSINESS ADVISOR.
I will be contacting the Consumer Finance Protection Bureau about Capital One giving out my number after I allowed XXXX to be denied 5 times.
UPDATE XX/XX/2022 XXXX a.m. phone call XXXX called me back after multiple messages. He agreed with everything outlined above. He agreed I was cancelled months ago. He agreed that that I was completely failed as far as service goes by XXXX and that they did not deliver what was sold to me. He agreed I was given credits the second month. He said he would call his manager to get this credited back to me. I asked for a copy of the recording because my phone will not record conversations, he said he was not allowed to or able to send it to me. He stated that it is a recorded line for his managers and they he completely agrees with me so they can hear it coming from him.
UPDATE XX/XX/2022 XXXX a.m. by text XXXX agrees with me and says he is trying to get me the refund. It has still not happened, and after giving them my CC #, Capital one today said I didn't supply them with evidence ( there IS NO CONTRACT to send them ).
|
10/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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13 hours and about 15 to 17 agents of talking i have been called a lair and more. I was so fed up I sourced everything myself and called back. So before i detail this list heres what at least 7 associates and supervisors saw and had no excuse for after sourcing.
24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. XXXX XXXX XXXX The FTC Act prohibits unfair or deceptive advertising in any medium. That is, advertising must tell the truth and not mislead consumers. A claim can be misleading if relevant information is left out or if the claim implies something that's not trueXXXX XXXX XXXX https : //www.ftc.gov guidance ad...
Advertising and Marketing on the Internet : Rules of the Road I took a hit to my credit for a credit line via XXXX that was guaranteed to be accessible instantly as the reason of applying at all. The in store advertised a temp virtual 24 card number that never came. 4 days of calling and seeking help via chats with Walmart, they were aware of a capital one related error here. After massive run arounds on XX/XX/XXXX 4 days after approval they fixed the accounts but now declined the shopping pass. Catch was they also effected alternative accounts that did have full access to viewing my card info online digitally for us digital wallet users. They completely bricked the account in this manner. I needed not even my new card, but other card numbers so i can get gas or refund a product that requires I confirm my card number to my XXXX XXXX. When I talk to people now they act ignorant i have been a customer for alternative cards for literal years with foot in their mouth when I question previous statements. They are even asking me very personal information that can lead to identity theft I assure entry level members dont have access too. After XXXX hours of different techs, managers, associate members, etc on the phone the solution when they think they are immune to false advertising here they either hang up or transfer you against your will or consent during mid help. At least occured in hang ups 6 times. They name call and more thinking the consumer is phishing when I am giving out more verifications than XXXX XXXX even requires for a Drivers License. Only thing they dont have now is my XXXX XXXX . They tried to speak as if this info changed last couple days or so, but according to archieve.net aka a way to screenshot the history of webpages average people dont know, this is also a XXXX load meant to put consumers off. Another manager of all people said my issues from XX/XX/XXXX was from account issues on XX/XX/XXXX. Have fun figuring the thought police logic to that. My solution was 1 of 3. Take 24/7 access off the marketing of their cards and page as its false and blatantly misleading by even their own staffs words, they can give my access back even if that meant closing that account down to do it immediately for the hardship this caused, or explain a regulation that Capital One may have lobbied for to get away with its misleading practices. I was guaranteed instant access when applying and now I have access to none of my cards info while capital one blamed me for ever applying. So I was accused of applying for a card that has these features including a 24hour shopping pass temp card number and cause capital one glitches out merging older accounts that I was a security risk and all other sorts of nonsense the next associates cant back up with new sets of excuses. Now because I took a hit to my credit they can falsely advertise and make us source the website going oh well. Last I checked if I ordered a hamburger and fries to not get fries, they cant make excuses for not giving me fries. They have to refund it or replace the issue. I was hung up on when I seeked a solution. So until I get my 24/7 access again that's advertised " 24/7 Access to your Full Card Information Securely access your full credit card information from your phone so you can make a purchase even if your wallet isnt nearby. '' with no asterisk or XXXX XXXXhat clarifies anything, I feel something must be done. Ive seen people die from covid cause of medical bills and credit companies being hard to work with in hardship. With capital one admitting they have bulk call and admit they tell their customers post signing up for service this isn't a 24/7 service, they in retrospect open admit to using this false advertising as a tactic to sign up. Both Walmart and Capital One os a complete joke as far as getting any reasonable or pragmatic reason for it. They just admit its wrong, but it is what it is. If XXXX cant start a business doing such perverted and misleading practices, neither should companies that people truly rely on through financial hardships impacted by covid. This issue could saved someone's life that is in these bulk calls seeking an urgent solution. XXXXmagine struggling to breathe. Now imagine me after 13:30hours of trying to get a straight answer for their related errors on their end and why i should be the XXXX here breaching contracts with these credit card companies. Mine was a gas issue I relied this on, so if my gas was covid health related, this could have been what lost us another life just needing meds paid for. The hardship of not just me complaining needs noted but the bulk of Capital Ones Customers that gets left behind from their willfully financially misleading practices to market their service to sell to new gullible users. All I wanted was a pragmatic answer. I do work in XXXX XXXX, so not a single excuse they have can be used for even a fraud claim after the phishing they did to verify myself numerous times. This is a con that needs heald accountable. I shouldnt have had to teach Customer Service Management what the Website says let alone had reveal as much as I did. I feel the FTC is very good about specifically stating false advertising and its legal definitions. I truly feel as a reasonable person standard that the privation I went through was unruly to cause this hardship in effect. So many ways they could have handled it rather than running away when they were caught being fraudulent with their marketing.
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01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I initially had repair work done on my vehicle on XX/XX/XXXX by XXXX in preparation for a trip out of state for a funeral. I paid the merchant on my credit card {$1700.00} to repair the tires, struts, and a state inspection. When I departed for my trip on XX/XX/XXXX, I began to notice difficulty with handling ( shaking ), and a tire pressure sensor illuminated on my dashboard. I pulled over and called XXXX and was advised that the vehicle was safe to drive and that they could look at it when I returned on the XXXX. As I continued my trip, the vehicle 's handling deteriorated and I felt this was a safety issue. I brought my vehicle to a garage near my family 's home ( XXXX XXXX ), and was advised that the tires were not installed correctly, they were out of balance, and over / under inflated. I was also informed that one of the brake hoses was leaking. I was informed the vehicle was not safe to return to my home in XXXX XXXX state. I agreed to have the the shop in XXXX correct the issues with my vehicle so it was safe to drive.
I initiated a dispute with Capital One the day that this was uncovered ( XX/XX/XXXX ), and subsequently mailed them supporting documentation upon my return home. I also reached out to XXXX customer care on XXXX and explained the situation. I was told someone would contact me from the shop, although I expressed a concern this might not be handled professionally and preferred customer care mediate. I was told I would receive a call. After not having received any contact, I called again on XX/XX/XXXX and was told it was being escalated. I still heard nothing. I was finally able to get another guest relations number when I called again on XX/XX/XXXX. I also sent an email to a representative with documents from the second shop indicating the corrections made.
Capital One informed me on XX/XX/XXXX that they never received my documents. I called and spoke with an XXXX who provided a secure link so I could upload them. On XX/XX/XXXX, I received a letter indicating the dispute was closed. I called and was informed that the merchant 's rebuttal to my dispute was insufficient and this was resolved in my favor. I received another letter on XX/XX/XXXX stating the dispute was no longer in my favor and I was re-charged. When I called on that day, XXXX informed me that my documents were received, the merchant responded on XX/XX/XXXX ( only with an original invoice- no rebuttal ), and that I needed to reopen the dispute to continue. I was told by XXXX ( a supervisor ) to resubmit a signed letter from myself requesting the reopen and a signed letter from the second garage indicating the work was performed under urgent circumstances and not by choice ( i.e.- I wasn't circumventing the original merchant ). I was told these documents would be forwarded to XXXX and they would be able to respond.
I finally received a response from XXXX on XX/XX/XXXX, at which point I was not offered anything regarding a warranty claim, was told my claims were BS, and that they could " fix '' it for another charge. XXXX also claimed to have spoken to a lady weeks prior, but I don't live with anyone so that was a lie. This gentleman ( XXXX XXXX informed me that we would just deal with the credit card company. He made no attempts to honor any warranty claims, nor can he at the point, as the errors were corrected in an emergency situation- which was repeatedly explained.
On XXXX, I submitted all documents Capital One asked : signed letter from myself, signed letter from the second garage that had to correct the errors if the first, as well as a resubmission of all previous documents. On XXXX, I received a letter indicating that they could not assist me and to deal directly with the merchant. I called and spoke with XXXX who advised me that the letter from the second garage does not specify XXXX was negligent and I did not attempt resolution with the merchant. Both of these are lies. The letter includes a sentence that specifically says the tires were installed incorrectly, not balanced, not aligned, and that they were inflated improperly- complete with specifications related to the pressure and tire direction. This is a direct statement indicating the error by XXXX. In addition, I had provided a full time line to Capital One of all contacts to XXXX, and informed them as to the call I received on XXXX including the details regarding the merchant not offering to honor any warranty and their attempts to charge me additional fees to " correct '' something.
Capital One is insisting that I send yet another letter reopening the dispute and have asked for everything that they have already been provided once again. They are implying that the second garage letter be modified to use the word " negligence '', when the 2-page letter specifically includes a sentence that states the previous work was done incorrectly. It is unethical of Capital One to suggest I contact the second shop and ask them to insert more favorable language so that it makes their dealings with XXXX more pleasant. XXXX also claimed that the primary merchant ( XXXX ) bank would " not allow '' Capital One to retrieve their funds without language such as " negligence '' and " warranty claims ''. I was informed that I could find my cardmember agreement online to confirm the dispute process, but was not provided with the location, as XXXX rushed me off the phone because she seemingly got bored or impatient that I was annoyed at this point.
I am annoyed as I have been fed numerous different stories ( and in the case of the XX/XX/XXXX call- a lie ), and I've been asked to resubmit essentially the same documents each time, only to have Capital One arbitrarily close the dispute the very next day ( each time ) - seemingly without any actual scrutiny of those provided.
As you can see- I took all steps required of me : multiple contacts to the merchant ( to which I received no response ), documents from the second merchant calling out XXXX XXXX incorrect installation/labor- yet Capital One insists that I provide them the same exact things worded more appropriately for their liking. They insist this is XXXX 's standards, but could not point me to any such documentation that indicates as such.
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11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Dear Sir or Madam, 1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lastly 90 days late on XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
This complaint is about Capital One denying my credit line increase for account ending in XXXX on the basis of negative information they allege exists on my consumer credit report but in actuality does not exist. Their discriminatory, predatory, capricious, and arbitrary tactic falls under Unfair, deceptive, or abusive acts and practices ( UDAAP ) practices, targeting me and redlining me as a discrimination tactic against me, a protected class as a disabled individual, erodes my confidence in this otherwise excellent credit card product with cash rewards, and undermines my economic activities. Their denial keeping me stuck in a small credit limit is predatory because it results in sometimes my balance being reported as high relative to the credit limit, thereby hurting my credit score, and keeping me financially constrained.
Background : My consumer credit report is perfect, I have NO LATE PAYMENTS, NO COLLECTIONS JUDGMENTS OR CHARGEOFFS. I value credit as a professional and take measures to pay off my balances quickly and responsibly every month. I have been a responsible Capital One credit card consumer and have NEVER had a late payment since opening this account on or around XX/XX/XXXX with a starting XXXX limit which has never been increased after over three ( 3 ) years of responsible account management. In fact my Capital One account is set automatically to PAY OFF THE BALANCE IN FULL EVERY MONTH. Unfortunately, the spending power on this card is inadequate because my monthly charges often exceed the available credit, and therefore I am forced to suffer the inconvenience of having to take time to make multiple payments to pay down the account in addition to the regular monthly payments, simply to be able to use the card. That is why i requested a credit line increase to a very fair and reasonable XXXX On XX/XX/XXXX, Capital One notified me by e-mail that they have uploaded a letter, which stated my credit line increase request was denied on the basis of negative information found on my XXXX consumer credit report. That same day, XX/XX/XXXX, I pulled my XXXX credit report and personally verified that NONE of the negative information they allege in their denial letter exists.
Here is a point by point rebuttal of their four point denial letter 1. Capital one falsely stated that I missed a minimum payment on a credit card.
As you can see by my XXXX credit report dated XX/XX/XXXX, I have ZERO missed minimum payments on any of my credit cards or accounts. All my credit accounts are reporting on time and never late. My credit score is high.
XXXX. Capital one falsely stated my Capital Account ( XXXX ) was recently past due.
This is false because my account is set to autopay every month to ensure there is no past due. I even make additional payments in addition to the regularly scheduled payments. On XX/XX/XXXX, I called Capital One and the representative confirmed that indeed there were no late payments on my account ending in XXXX.
XXXX. Capital One falsely stated there are too many revolving accounts with recent activity. This is frivolous and discriminatory because I have been forced to use otheer non-Capital One credit cards because Capital One credit limit is insufficient. This is capricious and arbitrary nonsensical reason because all my revolving accounts are modest, paid on time, and I should not be discriminated against for maintaining a responsible consumer credit profile.
XXXX. Capital One stated " the amount of recent monthly payment relative to the balance of this Capital One account. '' This is nonsensical because I usually make multiple payments each month on my Capital One credit card because the {$7500.00} credit limit is inadequate for my spending needs. In fact, my account is set to PAY OFF THE BALANCE IN FULL EVERY MONTH.
On XX/XX/XXXX, I called Capital One to inquire as to why they are falsely alleging I have been late on my credit. I was given the runaroud and told to pull my consumer credit report and dispute the negative items and then the request will be granted after the negative items are removed. When I explained to them that I DID pull my credit report and in fact exist no negative items to dispute, and therefore I have proven my credit worthiness as to why I am entited to a credit line increase, I was stonewalled and gaslighted and told what I said wasn't true. I even asked for a copy of the false information they are using to make this determination, which they failed and refused to provide.
When I asked for clarification why Capital one stated that " one or more of my Capital One accounts was recently past due '' when I only have ONE Capital Account ending in XXXX, they explained that I am an authorized user on XXXX XXXX. They refused to give any dates how " recent '' this alleged past due was.
I stated to Capital one that I NEVER consented to being an authorized user of another Capital One credit card and that I have been a victim of identity theft in the past, nearly ten ( 10 ) years ago in which my personal information was misused ( see police report XX/XX/XXXX ). Capital One then asked me for the impossible by demaning the " social security number '' of the primary account holder to which I was appointed as authorized user in order to access this account that I did not consent to. Perplexed, I explained that i do not know the social security number of that primary user! I stated this is unfair ( violation of UDAAP ) for Capital One to deny me credit on the basis of an authorized user account that I did not consent to, for charges I am not responsible for and did not make. I demanded that Capital One purge this authorized user account from their records and dis-associate it from my profile as it has nothing to do with me, which they failed and refused to do.
Enclosures : XXXX. Capital One denial letter XX/XX/XXXX due to " presence of a missed minimum payment on a credit card '' based on XXXX consumer credit report.
XXXX. XXXX consumer credit report dated XX/XX/XXXX showing no " '' presence of a missed minimum payment on a credit card '' '' XXXX. Police report of Identity Theft starting XX/XX/XXXX which my name and social security number was misused on accounts.
|
10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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The consumer credit transaction on XX/XX/ was a credit sale of {$13000.00}. In which was the total amount of credit provided ( disclosed in the FEDERAL TRUTH-IN-LENDING DISCLOSURES ), XXXX XXXX XXXX behalf as I am the natural person who has actual, implied, and apparent authority to use my consumer credit card. As defined in 15 U.S.C. 1602 ( i ) The term " credit card '' means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I used my social security card as the credit device existing for the purpose of obtaining my property on credit : XXXX XXXX XXXX XXXX Furthermore not only did a credit transaction occur but I also transferred Capital One Auto Finance XXXX Inc. a receivable as RETAIL INSTALLMENT SLAE CONTRACT-SIMPLE FINANCE CHARGE ( WITH ARBITRATION PROVISION ) is a security itself. Receivables are motor vehicle retail installment sale contracts that are secured by new and used automobiles, light-duty trucks, SUVs and vans. As Capital One Auto Finance, Inc. ( " COAF '' ) was previously a wholly-owned subsidiary of CONA ( `` CAPITAL ONE NATIONAL ASSOCTICATION '' ). CONA, operating through its Capital One Auto Finance division and in its capacity as the " servicer, '' will service the receivables held by the issuing entity. ( " Capital One Prime Auto Receivables Trust '' ) CONA has participated in the structuring of the transaction ( securitization of the receivables ) described in the Capital One Prime Auto Receivables Trust prospectus and has originated the receivables to be assigned to the issuing entity. CONA is responsible for servicing the receivables.
Making the amount of {$13000.00} a billing error as such amount was never properly credited to my account. Pursuant to 12 C.F.R. 1026.13 ( a ) ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. As I never got credited the amount on any billing statement since the opening of this account in which would fulfill the total amount that was ever owed for my property. Making such attempts to damage my credit and myself in violation of 18 U.S.C. 892 ( a ) - ( b ) ( 1 ) : ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both.
( b ) In any prosecution under this section, if it is shown that all of the following factors were present in connection with the extension of credit in question, there is prima facie evidence that the extension of credit was extortionate, but this subsection is nonexclusive and in no way limits the effect or applicability of subsection ( a ) : ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable, through civil judicial processes against the debtor ( A ) in the jurisdiction within which the debtor, if a natural person, resided or ( B ) in every jurisdiction within which the debtor, if other than a natural person, was incorporated or qualified to do business at the time the extension of credit was made.
Please stop some extortionate actions as they are damaging in every way and credit the credit balance as the amount of {$13000.00} was provided on my behalf to pay for my car in full on credit.
2. Request for Relief Requested Refund/Compensation : for a check in the amount of {$7500.00} as such amount is what I have paid that shouldnt have ever came from myself as I got {$13000.00} fully approved on credit for the purchase in full on credit on XX/XX/ Requested Bill/Debt Adjustment : {$270.00} Requested Refund/Compensation : for the Certificate of Title and a release of any liens, if any, off XXXX, XXXX : XXXX.
Requested Refund/Compensation for credit report correction/repair : Report paid as agree, paid on time, 100 % payment history to any and all Credit Reporting agencies.
XXXX. Definitions.
Application ( 12 C.F.R. 1026.2 ( a ) ( 3 ) ( i ) ) : Application means the submission of a consumer 's financial information for the purposes of obtaining an extension of credit.
Cardholder ( 12 C.F.R. 1026.2 ( a ) ( 8 ) ) : Cardholder means a natural person to whom a credit card is issued for consumer credit purposes, or a natural person who has agreed with the card issuer to pay consumer credit obligations arising from the issuance of a credit card to another natural person. For purposes of 1026.12 ( a ) and ( b ), the term includes any person to whom a credit card is issued for any purpose, including business, commercial or agricultural use, or a person who has agreed with the card issuer to pay obligations arising from the issuance of such a credit card to another person.
Credit card ( 12 C.F.R. 1026.2 ( a ) ( 15 ) ( i ) ) : Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. The term credit card includes a hybrid prepaid-credit card as defined in 1026.61.
Consumer credit ( 12 C.F.R. 1026 ( a ) ( 12 ) ) : Consumer credit means credit offered or extended to a consumer primarily for personal, family, or household purposes.
Receivables : consisting of receivables arising in consumer revolving credit card accounts selected from the Bank Consumer Segment, and ( ii ) the Master Trust Small Business Segment, consisting of receivables arising in small business revolving credit card accounts selected from the Bank Small Business Segment.
4. Next Steps.
Please reply to the above claim and request for relief within the pre arbitration notice period specified in your arbitration clause. If you dont I will be filling a Demand For Arbitration with the XXXX XXXX XXXX XXXX XXXX XXXX in Sixty ( 30 ) days from when Capital One receives this letter Sincerely, XXXX XXXX XXXX cc : Capital One Multi-asset Execution Trust c/o XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Delaware XXXX.
cc : Capital One Funding, LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Virginia XXXX
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07/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I contacted Capital One Auto Finance on XX/XX/2019 with the intent to set up some form of payment arrangements to repay the past due amount on my loan. I explained the situation that I had lost my job and recently found another job. And that this was the reason for the loan becoming delinquent. I did have a previous payment plan setup that I had a family member helping me with. But for some reason two of the payments came back as returned. This is reason why I contacted Capital One to see if there was any kind of alternative arrangements that could be made. I was advised by the representative that the account was still under the previous plan. And I was asked if I could at least make one payment of {$390.00} by XX/XX/XXXX. I stated that I could certainly do this. He advised that the car would be safe and secured from any repossession activity till this time as long as I called in by the XXXX at XXXX XXXX central time to make the payment of {$390.00}. On the morning of the XXXX I went out side and found that my vehicle was gone. That it had been picked up some time between late Tuesday evening and early Wednesday morning. I was very upset as I was mislead to the fact that my vehicle was secured and that I had a standing arrangement with Capital One. I quickly called Capital One to find out why this event had occurred and was told that it was previously in the system for this to happen since I was delinquent and that I have payments that had returned. I once again explained my situation and was told that there was no notes in the system in regards to the discussion I have previously on the XXXX. Also the representative got very short with me and argued with me when I requested that since I had a previous arrangement and was told that my vehicle was secured till the XXXX and requested that my vehicle be returned to me. He stated that since it was already repossessed that I could not have it returned and honor the agreement. I had to pay the total amount past due and any fees assessed due to the repossession. Which in that same conversation with him he gave me at least two different amounts, one of {$2200.00} and another of {$2700.00}. This is the point that I asked that since I believed that is was unfair and deceptive act, and that I believed to go against UDAAP. And that I believed that this was grounds for a possible lawsuit. And that since he was not willing to work with me, I wanted to talked to a supervisor. At this time that he could transfer me to a escalation department. I told him to proceed, so I could do what ever is needed to have this issue rectified and have the vehicle returned to me. At this time I was transferred and another representative and I went over the situation again. She advised me that she would submit a request to upper management to see if the repossession could be over turned and reinstate my original agreement and move forward with arrangements to bring the loan current. She advised that it could take a couple of days. But it was possible I might hear back later that day ( XX/XX/XXXX ). I did not receive a call until Friday XX/XX/XXXX, that I could not answer since I was at work. I have to call back on my lunch break. And was told that management had ruled in my favor as it was put and that they would have the vehicle returned to me at no charge to me. As well as no negative credit reporting for this incident. I was advised that due to the time of day and that it was Friday the lot of which my vehicle was stored would not be able to bring my car back till Monday or Tuesday of the following week. I asked that if I would be able to pick up over the weekend, and was told no that the lot did not have anyone there to process the release, they only have drivers out picking up vehicles over the weekend. I said ok that would be fine. Monday came and passed I did not hear from anyone. On Tuesday about XXXX to XXXX XXXX still did not hear anything so I called Capital One back to see if there is something else that needed to be done or if I needed to call some one else. I was advised that the release was sent over on Friday. And the request to have all of the fees paid by capital one was approved on Monday. And was advised to call the lot myself to inquire about the time they would be returning the vehicle. Of which I did but I had to leave a message the person that handles these items was busy with another person. About 30 minutes later he called back and he advised me that he had someone heading to the lot currently and that he would have the driver call me with a ETA of when he would be at my home with the vehicle. Shortly after I got off the phone with him, the driver did call and verified the address and the vehicle was returned at roughly XXXX XXXX. At this time the driver notified me that my vehicle was close to being sent to auction. He had me sign a few documents while my vehicle was still on the tow truck. All of my possession I had in the vehicle from what I could tell was bagged up and placed in my back seat and trunk. I was not given time to go thru all of it to verify if everything was there. As well as I noticed a mark on the front tires and on the back drivers side door. The driver stated that there was nothing done to the vehicle after it was picked up and that it was on camera from the time it was picked up to the time it was at the lot. After the paperwork was signed the driver got back in his vehicle and put the car back on the ground and proceeded to leave at this time I noticed damage to my windshield and to the front bumper of the vehicle where the tow arm had went under the vehicle. I immediately called Capital One to notify them of the issue and was told that I needed to take pictures of the " alleged '' damage and get one estimate of the repairs and send to a specified email address ( XXXX ). And that I had to get this sent with 14 days. And that they would go over this with the tow lot " Quality Recovery '' to figure on who would be paying for the repairs. I am waiting to hear back at this point in time. The loan information is as follows : Capital One Auto Finance, Loan # XXXX, last 6 of Vin is XXXX. Borrowers : XXXX and XXXX XXXX.
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04/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I have incurred great hardships over the past few years from the excact same situation listed below approximately occurring 3 years ago. It was my first credit card and did not realize that the auto pay i set up with my bank wasn't working and that capital one was not receiving payment until it was very overdue. They were very cold in their reply regarding the information they reported to the credit bureaus and, despite providing evidence of my attempts to pay them on time, I did in fact, not pay them and didn't notice because of my own lack of due diligence. Because of the impact this had on my credit, I was unable to get another apartment as my lease was up the month this all transpired, and was left without a place to live. Since then, I have walked several miles to work and back every day. I have been homeless, sleeping on benches, in co-workers cars, and eventually went to renting a couch, and then a cheap room. Recently I have moved into a much nicer home with roomates that are taking me to work, but only under the agreement that I would get a vehicle as soon as possible, something that won't be able, even if capital one did remove the negative report, as the process would take months and by then I will be homeless and without a job.
Now, because of the events listed above that happened in XXXX ' I pay close very attention to my capital one account, and are quite sure that the similar situation described below has the key difference of capital one reporting that my payment was made, and then not informing me that the payment of {$62.00} was refunded at the request of my bank, until after the account was already delinquent on the XXXX. ( The refund was processed after hours on the XXXX ). If there was any saving grace in rushing out to send them money via western union on the XXXX, it was nullified by them not posting the payment until the XXXX. I have detailed this below and would like to reiterate that the hardships I endured from the previous XXXX XXXX drop will repeat because of this. One again I find myself far from work, this time not a walk-able distance, and without a vehicle, which I am unable to replace without financing. My credit score prior to this event was XXXX, as of today it is XXXX. I live 22 miles from my current place of employment.
My payment with capital one was due on XX/XX/2019. I set up a direct deposit ACH wire transfer from my bank, to capital one, about XXXX weeks prior to this date. Their site offered no option to start the transfer earlier, only on the due date. On the XXXX the payment was processed and I received an email from capital one saying that my payment was received. Two days later, on the XXXX I received an email that the payment had been refunded ( it was actually refunded on the XXXX, after business hours ) without any information as to why, just that I would still need to pay.
At this point ( the XXXX ) I am now very close or 30 days late. I called capital one and my bank, they both informed me that it was refunded because paying bills through ACH transfers if not a feature of my bank account, despite having done so in the past with the same account. About XXXX hours into my call with capital one, they decided to contact my bank over a 3 way call to find out why it was no longer working, but because the average hold time for my bank, like their own, was over an hour and a half due to the COVID situation, we were unable to complete the three way call and eventually disconnected. It is now the XXXX in the afternoon ( the entire morning was spent on the phone with capital one, to no avail. The closest capital one branch is hundreds of miles away, and the agent on the phone said that they could no longer accept payments with a debit card, despite having paid them with one in the past. Distraught, I contemplated the effects this would have on my life, again, after struggling for years to raise my score back to the good range it was in before opening an account with them, became extremely distraught until I recalled an option to pay with XXXX XXXX ( one the agent did not mention at all when I was panicking about how to pay them, and rushed out to send a money order, and paid an extra XXXX XXXX to have it transferred immediately. Despite the funds being made immediately available to them after sending XXXX XXXX, ( i verified this with XXXX XXXX and they explained how guaranteed funds work XXXX Capital one did not report the payment as being received until Monday the XXXX, thus making me over 30 days late. This was reflected on my report, which fluctuates between XXXX and XXXX depending on what I currently owe capital one to a XXXX, specifically because of this incident, as I have no other accounts on my credit report whatsoever, and my score relies solely on my status with capital one.
There is no way to successfully dispute this through the normal process of writing to capital one and having them review it. One of the many agents I spoke to on the phone informed me that it would likely withstand being reported late, as they did not process it until the XXXX, despite all of the events described above that made it virtually impossible to pay them on time Capital One 's actions in refunding the payment on my due date, but after their business hours, not informing me of the event until wo days later when it was already unagruably late, not processing the payment I made on the XXXX until two days after it was made available to them and, refusing my pleas to re-evaluate the situation before they reported it ( i called in a begged for this on the XXXX after was informed of the refund, on the XXXX, a day after i sent the XXXX XXXX payment and on the XXXX when the payment finally posted ) Their misinformation regarding the status of my payment and unwillingness to help me before it was reported, has left me in a situation where I will become homeless again, without a vehicle I will not make it to my job, and I will once again be in a situation where I am in dire straits, despite going to work everyday and taking what should have been all the actions needed to better my score and improve my situation.
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
On XX/XX/XXXX I contacted XXXX XXXX XXXX in reference to a bunch of disputes that violates FCRA laws and my rights as a consumer to obtain a fair accurate and complete credit report my capital, one auto finance loan, which was open on XX/XX/XXXXXXXX reflects late payment history, which violates the following laws : In accordance with the fair credit Reporting act capital one auto financing has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
My capital one account opened XX/XX/XXXX and XX/XX/XXXX. Also violates the following laws XXXX XXXX XXXX has also violated 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Please remove all late payments and update it to PAID NEVER LATE WITH ALL THREE CREDIT REPORTING AGENCIES In accordance with the fair credit Reporting act capital one accounts opened on XX/XX/XXXX and XX/XX/XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
I have spoken to multiple agents at XXXX. Those agents either hung up on me or they declined to dispute the inaccurate information on my credit report. I contacted CPFB on XXXX XXXX XXXX, and filed a complaint on how I was treated because I asked them to dispute in accurate and incomplete information on my credit report. There is also other complaints open with additional accounts that violates multiple FCRA laws when I informed XXXX and their representatives, I will be in contact with CPFB and file a complaint due to the violations they hung up on me. Most of those agents caught attitude was very rude and did not want to help me. Please look at all of the documents that were supplied to you guys for it shows information from Capital One themselves stating that they will remove the late payments and update it with the credit reporting agencies As the laws were violated, I am demanding that capital one auto finance open on XX/XX/XXXX remove all late payments and update the status to paid never late with all three credit reporting agencies, ( XXXX XXXX, XXXX, and XXXX are the three credit reporting agencies that this information should be removed and updated with as paid never late ).
As the laws violated, I am demanding that capital one accounts opened on XX/XX/XXXX and XX/XX/XXXX. Remove all late payments and update the status as paid never late with all three credit reporting agencies ( XXXX XXXX XXXX XXXX are the credit reporting agencies that this information should be removed and updated with as paid never late ) I also feel that XXXX is reporting what they want to report to the credit bureau and this is wrong an unlawful and affects the rights of the consumers And violates the law 15 USC 16 ai they are obligated to report an accurate and complete credit report. In my case. They have reported nothing edit they are obligated to report an accurate and complete credit report. In my case. They have reported nothing but an accurate and incomplete. information on multiple counts on my credit report such as the XXXX account that reflects past due, but the account is charged off you can not report a charged off account and a pass-through balance. At the same time. They also are reporting inaccurate and inconsistent late payments with my XXXX XXXX credit card, they are also reporting two accounts for XXXX XXXX XXXX. Both accounts are charged off with a past due balance this violates 15 USC 1681 ai for not reporting complete and accurate information. they are also reporting is XXXX account as charged off that reflects a past due balance. This account also has three different balances this account violates 15 USC 1681 ai by not reporting accurate and complete information They are also reporting XXXX XXXX XXXX with a balance at {$4000.00} in which I have no knowledge nor have I signed a contract with this company. They are reporting an account for XXXX. I also have no knowledge nor have I signed a contract with that company. Both XXXX XXXX XXXX and XXXX is in violation of 15 USC 1681 ai for improper use of my credit report .They are reporting the XXXX XXXX XXXX with a XXXX balance as a charge off that all information is also in accurate and incomplete. You can not report a XXXX balance as a charged off balance. All of these accounts are in violation of 15 USC 1681 ai The XXXX account report it {$41.00} as a balance that violates 15, USC 1681ai for not reporting complete and accurate information each account that Ive listed above. I want delete it off of my report. The accounts Im referring to is XXXX XXXX XXXX XXXX XXXX XXXX and both XXXX XXXX XXXX accounts as they all violate it 15 USC 1681ai by either reporting inaccurate and incomplete information or in properly using my credit report I have filed disputes with both XXXX and XXXX. XXXX has been very good with updating and accurate information. Besides, the XXXX XXXX XXXX account was not removed yet XXXX I am not able to review my credit report. Ive contacted them several times I do see the dispute that theyve created, but I do not see the updated information yet XXXX has not complied nor completed and accurate dispute which is in violation of 15 USC 1681 ai by failing properly investigate all incomplete and inaccurate information and accounts on my credit report with XXXX they have financially affected me. They have mentally affected me
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06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
On XX/XX/XXXX, Capital One received and accepted a negotiable instrument as payment and discharge on my credit card balance in the value amount of {$990.00} USD and a IRS 1099-A form that was filed and recorded with the Internal Revenue Service . This correspondence was delivered via United States Post Office certified mail no. XXXX. See evidence attached.
On XX/XX/XXXX, Capital One received and accepted a IRS 1099-OID form that was filed and recorded with the Internal Revenue Service and a letter that referenced the aforementioned correspondence and with a copy of all enclosed. This correspondence was delivered via United States Post Office certified mail no. XXXX and priority mail express no. XXXX. See evidence attached. Reference Capital One Case Number XXXX.
Subsequently, on XX/XX/XXXX, Capital One 's Customer Care Team issued a letter stating that the payment that my previous mail correspondences had referenced in inquiry had not posted to my account, and instructed that if I feel an error had occurred, to please call their Customer Relations department at XXXX. See evidence attached. Reference Capital One Case Number XXXX.
Also, on XX/XX/XXXX, Capital One 's Customer Care Team issued a follow-up letter stating that they were unable to to fulfill my request through written correspondence, and that if I contacted the number indicated in the letter ( XXXX ), an agent will be happy to assist with my request. See evidence attached. Reference Capital One Case Number XXXX.
On XX/XX/XXXX, I called Capital One to resolve the offered negotiable instrument they had received as payment that they had already accepted pursuant to the Uniform Commercial Code and the Mailbox Rule doctrine. On that same phone conversation, the payment was noticed by the agent to be in their internal systems, and that it had not posted. The Capital One agent offered to apply credit to my credit card account as a payment adjustment in the value indicated in her system for {$990.00} USD ; I agreed and accepted Capital One 's offer. The payment adjustment was applied on XX/XX/XXXX, and was visible on my account on XX/XX/XXXX. See evidence attached.
On XX/XX/XXXX, Capital One 's Payment Investigations Department issued a letter stating that they thanked me for contacting them regarding the payment discrepancy and that an investigation was being opened and that they needed me to provide documentation of the accepted payment in question, giving me the option to send all documentation via fax or mail. I sent copies of everything they originally received and accepted via USPO certified mail no. XXXX and via fax from Fax.Plus online fax service to Capital One 's fax number XXXX. A total of 15 pages was successfully sent and accepted via fax on XX/XX/XXXX within the 30 day period allowed by Capital One. See evidence attached.
On XX/XX/XXXX, Capital One 's Customer Care Team issued a generic letter thanking me for contacting them about my Capital One account. An offered that I give them a call at XXXX, but did not specifically say why or that it was mandatory. Reference Capital One Case Number XXXX. See evidence attached.
On XX/XX/XXXX, the very next day, Capital One 's Payment Investigations Department issued a letter stating that they " did not receive all the documents '' they requested within 30 days and that my request ( for payment adjustment ) can not be fulfilled and that the case was closed, and any " temporary credits that were applied related to this dispute would be removed. '' Same day, XX/XX/XXXX, the previously applied payment adjustment in the amount of {$990.00} USD was reversed and re-applied back as a debit on my credit card account and an interest charge adjustment in the amount of {$6.00} USD was also debited. See evidence attached.
As a result, and as of XX/XX/XXXX, my Capital One credit card account is now well over the limit of {$800.00} and is drastically affecting my consumer reports with all credit reporting agencies. Capital One also sent a missed payment report to the consumer reporting agencies for the XX/XX/XXXX billing cycle. My credit is now ruined. In particular, my XXXX consumer credit score has dropped 37 points to XXXX, because of XXXXapital One 's actions.
All correspondences sent to Capital One from me were pursuant to UCC 3-104 ; UCC 3-501 ; UCC 3-602 ; UCC 2-206 ; House Joint Resolution 192 ( HJR-192 ), Public Law 73-10, Tender in terms of the Negotiable Instruments Act ( 1881 ), Chapter 48, 48 Stat 112 ; ( Gold Reserve Act ) UCC Article 9 ; UCC 1-201 ( 24 ) ; UCC Article 3 ; 31 CFR 225.2/ Government Obligation ; 31 USC 5118 ( d ) ( 2 ) ; 31 USC 463, Public Law 97-258 ; UCC 4-302 ; 12 USC 411 ; Securities Act ( 1933 ) ; Congressional Statutes At Large , Title 62, Positive Law ; 31 USC 5312 ; UCC 2-304 ; 12 USC 1831n ( a ) ( 2 ) ( A ) /Uniform accounting principles consistent with GAAP ; 12 USC 1813 ( l ) ( 1 ) Deposit money or its equivalent ; Public Policy ; Mailbox rule law ; the Stamp Duties found in HR Bill No. 10083 ( 1898 ) ; and settlement in terms of the United Supreme High Court of Justice, Rule 45.
Pursuant to the Uniform Commercial Code, Capital One had accepted, acknowledged, and applied payment and discharged the debt in the amount of {$990.00} USD, without properly dishonoring the instrument/presentment per UCC 3-502 . See evidence attached.
The UCC is applicable in sales, leases, negotiable instruments, bank deposits, funds transfers, letters of credit, bulk transfers and bulk sales, warehouse receipts, bills of lading and other documents of title, investment securities, and secured transactions of commercial transactions. Pursuant to UCC 1-201, money is only a medium of exchange currently authorized or adopted by a domestic or foreign government and it included a monetary unit of account established by an intergovernmental organization or by agreement between two or more countries. The UCC and the countries that agree to it and the law merchant is that agreement. Capital One is obligated to adhere to it and to not violate the United States Code, nor infringe on my constitutionally protected rights.
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06/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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To whom it may concern : I am contacting you because I am in an intractable entanglement with my banking institute. On XX/XX/XXXX, Capital One Bank seized and place a restriction on personal checking bank account ( # XXXX ), stating due to fraud and requested for me to contact capital one fraud investigation department. I contacted Capital One fraud investigation department. Which they informed me that the funds were being held due multiple SBA PPP loan was deposited into my personal account and SBA has requested for the bank to review loan deposit for due diligence. I explained to a Capital one agent ( XXXX ) that I have two business which I applied for the PPP loan for both and was granted the PPP loan. I explained to a Capital one fraud investigation agent that I have two business which I applied for the PPP loan with the assist of an individual that have knowledge of the loan processing procedure. One of the requirements to apply for the PPP loan is that you must provide bank statement for the month of XX/XX/XXXX.
Showing that your business was in operation before and during the pandemic disaster. I provided the individual with my capital One bank account information since all my business funds has been deposit into this account for years for proof of business transactions in the of XX/XX/XXXX. Capital One requested that I provide document to substantiate both businesses which I provided documentation to substantiate my businesses. I was informed that a team member from Capital One bank fraud investigation department will be contacting me within 1-3 business days regarding this matter. I waited 1-3 business days no one contacted me from Capital one fraud investigation department ( XXXX, XXXX ). I decided to reach back out to Capital one fraud investigation department after the 1-3 days business days has past and I received no correspondence from Capital One Bank. I spoke with a Capital One employee who introduced himself as the manager of the fraud investigation department ( XXXXXXXX ). He informed me per Capital one fraud investigation team has contacted SBA and SBA had requested that all the funds be returned to them ( PPP Loan and EDIL ). I decided to reach out to Capital one fraud investigation department. Because, I have financial obligations to my contractors and company overhead. I got in contact with a Capital One employee who introduced himself as the manager of the fraud investigation department ( XXXX ). He informed me per Capital one fraud investigation team has contacted SBA and SBA had requested that all the funds be returned to them ( PPP Loan and EDIL ). I was informed by the SBA representative on the phone on XXXX XXXX that I was in good standing and, that this is a legal agreement between the lender and borrower and Capital one was not authorized to return the EDIL funds that I am currently repaying and advised me to obtain a lawyer. I gave SBA XXXX XXXX XXXX XXXX XXXX my written consent to speak with Capital one fraud investigation department concerning this matter. The SBA representative instructed me to email Capital one bank fraud investigation department and provide the fraud investigation agent that is handling the case with their contact information so, that may speak to SBA concerning the EDIL funds being return. I contacted Capital one bank on XXXX XXXX once I seen that {$22000.00} was withdrawn and transferred out of my account ending in XXXX by Capital one bank. Capital one bank representative ( XXXX ) told me SBA requested that the funds be returned to them.
In XXXX my businesses went through a financial hardship due to the Covid-19 pandemic. Myself and my business partner decided to apply for the covid19 small business disaster loan to help keep our business from going under. Which XXXX XXXX and XXXX XXXX DBA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX was approved for the SBA covid19 disaster loan ( EDIL ). On XX/XX/XXXX the funds ( {$12000.00} ) from SBA ( EDIL ) loan were deposit into the bank account ending in XXXX. The funds were accepted and received into the account by Capital One bank. Five days following SBA deposited {$10000.00} grant funds into the account which my business qualified for. Nor once have Capital one question these funds being deposited into the account. As I mention above recently, we applied for the PPP loan for both businesses. The PPP loan was granted to both XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have been in contact with both the lenders, SBA reconsideration team and SBA XXXX XXXX XXXX XXXX XXXX regarding this matter. My hands are tied, I have requested numerous times that the Capital one Fraud investigation agent or the supervisor of the department get in contact with me or SBA XXXX XXXX XXXX XXXX XXXX concerning this matter. Capital One agent is refusing to speak with me, I have also requested corporate headquarters phone number, email, or communication link to spoke with someone who could solve this issue. It has been well over for 30 days since Capital One bank capital one bank has restricted, frozen and seize my funds. Capital One bank could not give me a name of the individual from SBA that authorize Capital One to transfer funds for my account and return the funds to SBA. SBA reiterated, that SBA office of disaster assistance ( PDC reconsideration department ) did not requested that fund be return, and they have not received the EDIL funds back. On XX/XX/XXXX I spoke with a Capital One fraud investigation agent ( XXXX ) on the phone, and she admitted to me that Capital One made the decision to return the EDIL and PPP loan. That SBA did not request that the funds be return and that it supposed to been returned by the way of secret service on XX/XX/XXXX @ XXXX ET.
This situation has put my business in a financial hardship having to end contracts with individuals that dependents on this work from my companies to support their family, unable to pay companies bills. This is causing me to have health problems and stress. If someone at Consumers Financial Protection Bureau could assist me with this matter, it would greatly be appreciated.
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06/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I am a customer with Capital One and I have a XXXX credit card. I logged into my online account to check my statement around noon on XX/XX/2019 and noticed fraudulent charges pending from three vendors on my online card statement all charged that same day on XX/XX/2019.
The charges in dispute are as follows and are all from XX/XX/XXXX : 1 ) XXXX XXXX XXXX for {$340.00} ( zip code of store provided on statement ) 2 ) XXXX XXXX XXXX XXXX for {$2.00} ( zip code provided on statement and matches the one for the XXXX charge ) 3 ) XXXX XXXX for {$5.00} ( presumably an online service ; I do not hold an account with that company ) 4 ) XXXX XXXX for {$14.00} ( so two separate searches ) I called Capital One immediately thereafter, the same day that these charges appeared, to dispute them. I was completely certain that I had not made these charges as I had not left my house that morning and I still had my card in my possession, so I knew it was not physically stolen either. I explained the situation to a Capital One fraud representative and they agreed to credit my account for the transactions ( applied XX/XX/XXXX to my account ).
The matter appeared to be resolved as I had seen that the credit for these purchases appeared on my final monthly statement from XX/XX/2019. However, I logged in again today on XX/XX/XXXX around XXXX XXXX to check my account after going shopping at the mall and saw that the fraudulent transactions had been reapplied to my account on XX/XX/XXXX and were now appearing on my XX/XX/2019 statement. I called Capital One 's fraud department today XX/XX/2019 at XXXX to ask why these charges were reappearing and spoke to a fraud representative who was named XXXX . He said that the merchant credit had been applied to my account and reassured me that everything was in order and made no mention of the result of an investigator 's findings ( relevant info from my 2nd call described below ).
I then decided to go ahead and try to pay my balance for the month online but noticed the amount requested matched the total of the fraudulent charges ( as they are the only current outstanding amounts ). I called Capital One 's fraud department immediately again at XXXX XXXX and spoke with a different representative named XXXX to get them to double check the information I had been given by the previous representative, XXXX.
I explained to XXXX the call I just had with XXXX and how it seemed that I am still being asked to pay for these charges online. He said he would look into the matter and placed me on hold. When he returned, he said that the investigator who was handling my initial fraud claim had deemed that the charges were legitimate and that I would be responsible for paying them. I protested stating that I knew for a fact they were not legitimate and I refused to pay for fraudulent charges. XXXX asked me if I had ever lost my card or if I knew whether I had my card on me the day the charges were incurred and I responded that because I have never lost my physical card and had never gone to the stores in question and had called same day to report it, I knew I was not the one who made those purchases. I also stated that I did not know how the fraud could have occurred if they could not swipe my card.
XXXX then responded in a rather accusatory tone that my card probably could not have been swiped as it has a chip which secures it and that that was most likely the reason why the investigator deemed the charges legitimate as it must have been me that used it. He said the decision of the investigator was final and I would need to pay. I responded that I am not an expert in credit card fraud so I do not know exactly how someone could have cloned my card, but this card does not require a pin number to use so presumably it is possible to do so and that I now had great concern that Capital One 's chip cards are not as secure as stated.
I requested to either be escalated to a manager or to be able to speak with the investigator to discuss the matter further and that I would not be paying for charges that I did not incur. I also said that I have been a reliable customer with Capital One for years and fraudulent charges have never happened before. I stated that I had just used my card today, XX/XX/2019, at XXXX, XXXX, and online at XXXX and would of course be willing to pay for those legitimate charges and asked whether someone would be able to separate out the fraudulent ones as we continue to try to resolve it. I did not receive a clear answer about that and XXXX after giving me the contact information of the investigator and her business hours, was quick to end the call.
I intend on calling XXXX XXXX, the investigator, on Monday to see if I can dispute the charges and get them removed from my account. I am filing this report as I am now very alarmed that Capital One seems to believe that their chips are completely secure and are a basis to deny a fraud claim. I am afraid to continue doing business with this company as they are clearly not secure nor willing to acknowledge that fact and seem to want to stick me with these charges. I do not intend on paying for these fraudulent charges and am very worried that this matter will negatively affect my credit score, which is in good standing.
I hope that the investigator will be responsive and able to resolve the matter, but even if they do agree to remove the charges I will likely terminate my account with Capital One as they do not seem to offer security nor consumer protections.
I also am now seeing that while they credited me for the XXXX XXXX for {$14.00} on my XX/XX/XXXX statement and that charge has not reappeared, the XXXX {$5.00} charge ( also credited on my XX/XX/XXXX statement ) was reapplied to my XX/XX/XXXX statement on XX/XX/XXXX, which I had made an early payment for on XX/XX/XXXX. I did not notice until just now while writing this report that I ended up paying for that {$5.00} ( along with two other legitimate payments ). I am now worried that the {$14.00} will reappear as well in the future. This is unacceptable and unprofessional behavior from Capital One.
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11/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a continuation of the original CFPB Complaint XXXX. The response from Capital One states a response was received from me on XX/XX/2018. My response stated the merchant offers a 45-day return policy for Elite Plus Members, which I am eligible for. I attempted to return the merchandise within that time frame, but the merchant would not accept the return. Based on your response, we issued a temporary credit for the disputed amount and mailed a letter requesting additional information by XX/XX/2018. We did not hear from you, so we rebilled the charge on XX/XX/2018.
This has several discrepancies and fails to acknowledge several key points. On XX/XX/18 I spoke with XXXX ID : XXXX who informed me the dispute was still open but a provisional credit was not issued because it was the 2nd dispute. She stated proof of attempted return had not been received. Which I informed her it indeed had been. All documents were actually submitted back in XX/XX/2018, but capital one saved them under a different dispute number for XXXX XXXX. She finally found the return denial receipt. Stating it was not valid as it was not signed. I informed her, it was indeed signed digitally. There was a unique transaction which identifies the specific transaction with date, time, location and result provided. She further stated supporting documents were received again on XX/XX/18 but the case was closed on XX/XX/18. The case was closed despite being resubmitted on XX/XX/18 to which the merchant did not reply. At this time a Capital One dispute manager initiated a 3-way call with the merchant to verify the item was returnable, which the merchant verified and stated they were unsure why the return was denied. So Capital One was provided the necessary information directly from the merchant, as well as myself. Despite receiving all requested information and the merchant failing to respond to the dispute Capital One closed the case. Yet on my routine calls to inquire about this case, I was continually told by Capital One the case was still under investigation. Case # XXXX was created by XXXX.
On XXXX-18 I spoke with XXXX ID : XXXX who refused to honor the previous agent 's commitment to honor the dispute back in XXXX, but admitted this was still under investigation and I should have been charged interest, penalties or fees. She then removed all interest and fees but was unable to do anything about the negative late payments reported to the CRA 's.
Continually Capital One has stated they did not receive the information needed from me. However, they had indeed received it just misplaced and filed it under a different dispute number. Agents were continually able to find the documents after making them search for them while on the phone. Additionally, Capital One agents continually informed me the dispute was still under investigation. To which I did not pay the balance on the card which was only the charge disputed. Even worse, on 3 different occasions, Capital One initiated phone calls to the merchant verifying the needed information. On each of these calls, they verified the item, purchase price, the attempted return date, as well as the return denial directly with the merchant. Stating a lack of information necessary to process this claim, therefore, is not accurate. What Capital One did not receive was a response from the merchant regarding the dispute.
Capital One continues to state. " Please note, although there were disputed transactions on the account, you were still responsible for making a payment towards the undisputed balance on your account. We did not receive the minimum payment, and this is why your account was reported as past due to the Consumer Reporting Agencies ( CRAs ). '' Capital One did not receive the minimum payment due because the entirety of the balance due was the charge under dispute. Requiring a payment on a balance under dispute is in violation of Fair Billing Practices Act. Yet, Capital One clearly states they have violated this law in their response. Furthermore, Captial One admits to refunded interest and fees for the disputed amount, yet refusing to correct the information reported to the CRA 's.
I have also on 4 different occasssions requested Capital One provide me with all documents related to their investigation of this dispute both in writing and over the phone. Yet have failed to receive them. The only response I've gotten to this request is Capital One agents refusing to provide the documents while speaking on the phone.
Capital One finally escalated this dispute to the executive resolution department despite my requests on XX/XX/18, XX/XX/18, XX/XX/18 to name a few. Where the managers I was speaking with ( XXXX : XXXX, XXXX : XXXX and others ) all informed me they were escalating the case above them to their managers who would be calling me within 24 hours. I have yet to receive a call from any of these escalations.
XXXX, from Capital One, did finally reach out to me in response to my initial CFPB complaint. However, she made a single phone call failing to leave a message and closed the case without ever having spoken to me. Due to her failure to leave a message I had no idea this had been escalated, no clue I needed to call Capital One back and no way to actually contact this agent. This was verified by Capital One at which time I requested the case be reopened and assigned to another member in the Executive Resolution Team. It was reassigned to XXXX, who I have left voicemails for on XX/XX/18, XX/XX/18, and XX/XX/18 but have failed to receive a response. On XX/XX/18 I spoke to XXXX in the executive resolution department who informed me XXXX was in the office but unable to speak with me at this time.
On many occasions, Capital One has failed to abide by applicable laws and regulations and has refused to even truly investigate or provide requested documentation. I have repeatedly provided all requested documents, spend over 100 hours to date on hold and on the phone with Capital One attempting to correct this without ever getting any actual resolution. Just asked to wait for calls back which never come.
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11/24/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madam, 1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX and 60 days late in XX/XX/XXXXXXXX XX/XX/XXXXXXXX and 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX and 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX as well as 150 days late in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
01/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
In early XX/XX/XXXX( before XX/XX/XXXX ) I was contacted by Cabelas due to suspect fraud on my account. At that time I was told that all activity for the card was suspended. A new card was not sent at that time due to after already establishing I was the card holder the customer service representative stated that they would have to go through some process which re-verified my identity since I was traveling and was not at my normal mailing address.
Instead of playing those games after already having been on the phone with them for an excessive amount of time I declined with the assumption that the new card would be sent to my normal billing address. This was not the case and I have not had a Cabelas Visa card since then.
On XX/XX/XXXX, I contacted Cabelas by E-mail and asked how to transfer my points off of the Cabelas Card. On XX/XX/XXXX Cabelas Customer Service ( XXXX XXXX. ) contacted me via e-mail and asked if I would like the points transferred to a Cabelas Gift Card and if I wanted the card canceled. There were multiple e-mails back and forth as due to the poor customer service I experienced on the phone I did not wish to talk to them. In these e-mails it was stated they could not issue a card unless they spoke to me on the phone, In the end Cabelas sent me a Cabelas gift certificate for the value of the points on or about XX/XX/XXXX Cabelas customer service ( XXXX XXXX. ) also stated that they had contacted the Cabelas Club advocacy Group regarding the request to close the account.
On XX/XX/XXXX I received an e-mail from Cabelas Visa stating the only way they were going to close the account was if I called then or sent them a written notice. Several E-mails went back and forth trying to get an explanation as to why they needed to speak to me to close an account without any success. On XX/XX/XXXX I noticed a new charge on the account ( XX/XX/XXXX ) that was supposed to be closed due to fraud. I contacted Cabelas Visa and asked how this had occurred. I also point out at this time that their procedures for closing a card due to fraud did not seem to be working well. On XX/XX/XXXXXX/XX/XXXX, I received an e-mail ( XXXX XXXX ) stating that I would have to call in and report the charge as fraud if I wanted to do anything about it. As the charge was for an item that had been on back order, I paid the charge. This is detailed in attached Cabelas Card E-mail Chain 1 and 2.
During this time period and until the last week in XXXX I had been traveling extensively and my primary means of communication was limited to e-mail.
At this time as I had stated multiple times that the account should be shut down as I do not have access to it as I had not been supplied a replacement card after the fraud issue in XXXX, the system where I could log in and check on the account was changed, and I did not receive a statement in the mail in XXXX, I made the assumption that the card been canceled. However in late XXXX I received in the mail a brand new Cableas Mastercard, I did not activate the card and stored it in my safe.
When I received the statement covering XX/XX/XXXX it showed a charge on XX/XX/XXXX ( {$25.00} ) against the Cabelas Visa card. I sent a letter to Cabelas the next day (XX/XX/XXXX ) with the payment stub from the statement notifying them of the fraudulent charge on XX/XX/XXXX requesting a written explanation of how the new charge had occurred and how the charge in XX/XX/XXXXoccurred that I had paid, and to have the card cancelled. I did not receive the requested written explanation of how charges have occurred twice against a credit card number after all use of the card was supposedly shut down due to fraud yet. I did receive a letter from Capitol One dated XX/XX/XXXX that stated that the card had been cancelled.
When I received the statement covering XX/XX/XXXX, it showed an additional charge on XX/XX/XXXX ( {$29.00} ) against the Cabelas Visa which was card that was supposed to have been cancelled and interest ( {$.00} ) and penalties ( XXXX ) from the previous charge. As I did not provide the MasterCard number to anyone or activate the card and the Cabelas Visa was supposed to have been closed due to fraud I was left wondering what is going on.
The following day ( XX/XX/XXXX ) I sent a letter to Cabelas/Capitol One the next day with the payment stub from the statement notifying them of the fraudulent charge on XX/XX/XXXXagain, notifying them of the fraudulent charge on XX/XX/XXXX and requesting a written explanation of how these charges had occurred and how the charge in XXXX occurred that I had paid. I also asked why I was being charged interest and penalties on charges that were fraudulent.
On XX/XX/XXXX, I received a letter from Capitol One dated XX/XX/XXXX stating they are unable to fulfill my request through written communication and providing a phone number to call. On XX/XX/XXXX, I replied in writing clearly stating that due to the issues that started this dispute in XXXX I am not willing to and do not intend to discuss this with them over the phone. I also requested either a written explanation of either why the charges were allowed to be made or why they are unable to provide a written explanation as to why charges are occurring on an account that is supposed to be suspended since XX/XX/XXXX.
Since them I have received several e-mail reminding me of overdue payments, however none of the e-mails were able to be replied to as they were from a Do Not Reply address. I have also received multiple calls from Capitol One trying to talk to me on the phone. Today, XX/XX/XXXX, I received a statement covering XX/XX/XXXX showing additional penalties ( {$38.00} ) and interest ( {$.00} ) being charged against the disputed charges.
Leading up to this incident, I had been a holder of a Cabela 's Credit Card for several years. Cabela 's required that all fraudulent charges be documented in writing.
While the orginal charges were against a account ending in XXXX which was the Cabela 's Visa, according to the statements I have received it appears it now also involving accounts ending in XXXX and XXXX.
|
12/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Late Payment Letter : Dear Sir or Madam, 1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Dear Sir or Madam, XXXX. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as 60 days late on this account in XX/XX/XXXX and XX/XX/XXXX, Also 90 days late on this account in XX/XX/XXXX, XXXX is 120 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
|
03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Dear Consumer Financial Protection Bureau, As a protected consumer, I expect to be treated fairly and with respect, dignity and equal protection under the laws. I've never violated my card agreement and continued making payments as necessary whenever charges occurred. This is still a fact as of today. The series of adverse action events by Capital One XX/XX/XXXX continue to harm me financially, emotionally and mentally.
1. I am writing to file a complaint against Capital One for violating the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1691 ( a ) ( 3 ), by discriminating against me with unfounded restrictions on my account, because I, a protected consumer, in good faith, exercised any right to access and use my credit card.
On XX/XX/XXXX, I discovered that my Capital One account had been restricted without any notification or explanation from the company. I immediately contacted their customer service department and was informed that my account had been restricted due to an account overuse. I immediately disputed the validity of this allegation and the representative reviewed the account details and confirmed the account was in fact NOT used over the limit.
As a protected consumer under the FDCPA, I have the right to receive written notification from Capital One within five days of any decision to restrict or close my account. However, I did not receive any such notification from the company until XXXX, XXXX.
2. On XX/XX/XXXX I received a communication in from Capital One in violation of 15 USC 1125 ( a ), dated XX/XX/XXXX stating : " We have, with regret, suspended your charging privileges and restricted your account due to the severe delinquency or over limit status of your account referenced above. Please be aware that any further use of this account may constitute fraud as specified by the code of Virginia XXXX.
We ask that you destroy any cards and checks associated with this account. You will also need to cancel all services billed directly to your account : for example, insurance premiums, credit card protection services, and monthly Internet Service Provider billings.
Because you are the party responsible for repayment of this account, it is imperative that you call us immediately to make payment arrangements. Please keep in mind that it is in your best interest to resolve this matter quickly. Our customer relations specialists are pleasant, friendly and experienced in working with situations like yours. They look forward to your call.
Again, please call us immediately. Thank you for your cooperation.
Sincerely, Capital One Services, LLC XXXX '' 3. This was completely unexpected, and confusing. I called Capital One again and was told the exact same thing that was in the false communication in violation of 15 USC 1125 ( a ), blatantly providing false information and using the mail to commit fraud. I asked the representatives if any of this made sense and they said no, but they did not have anymore information to provide.
4. Having no other avenue or options available to reasonably settle this problem with the debt collector, I sent an " AFFIDAVIT OF TRUTH AND CONSUMER COMPLAINT '' by registered mail ( XXXX XXXX XXXX XXXX XXXX ) to Capital One, atttention to XXXX XXXX XXXX, XXXX. The affidavit outlined the billing error, history of the complaint, actions taken thus far to resolve the matter and violations of law by Capital One. My affidavit was ignored and my account continued in a restricted status. I continued to make payment as they became due.
5. After more than 6 months of waiting for a response, on XX/XX/XXXX, I sent a notice of default to Capital XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX / XXXX ) as authorized by 15 US Code 1666 ( b ), 15 US Code 1666 ( c ) and 15 US Code 1666 ( d ). The notice ( s ) was confirmed delivered on XX/XX/XXXX.
XXXX. On XX/XX/XXXX I received a communication from Capital One, containing a multitude of symbols, in violation of 12 CFR Part 1006.22 ( f ) ( 2 ) and 15 U.S. Code 1692e, stating, " ... We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. '' 7. On XX/XX/XXXX, I received another communication from Capital One, containing multiple violation of 12 CFR Part 1006.22 ( f ) ( 2 ), stating : " Dear XXXX XXXX XXXX, XX/XX/XXXX Re : Account ending in XXXX Capital One Case : XXXX We're reaching out to you about your correspondence to our Executive Office, concerning a billing error you stated occurred on your account. We don't accept your payment coupons located on your statement as an offset, payment, or presentment. Placing this stamp on your billing statement does not change it into a Money Order as you claim. We only accept legal tender for payments on accounts. According to the terms of your Customer Agreement ( enclosed ), all payments made by mail must be in the form of a check or money order, payable in United States ( U.S. ) funds and drawn on a financial institution located in the XXXX.
Based on the information we received from you on XX/XX/XXXX, we feel that our previous response fully addressed your concerns, and our decision has remained unchanged.
We have enclosed a copy of our previous response for your records.
If you have questions or concerns, please call XXXX. Our Customer Service Representatives are available XXXX hours a day, 7 days a week.
Sincerely, Capital One Customer Advocacy Office Enclosures '' 8. Capital One also never sent me the required notices by law and failed to comply with 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
These violations of the FDCPA and other United States Laws, have caused me significant inconvenience, undue mental stress, anxiety and financial harm, as I was not able to access my funds for an extended period of time.
I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Capital One for their failure to comply with the FDCPA.
|
08/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I am forced to issue this complaint about Capital One as a matter of course due to their unwillingness to validly explain their case, and their continued and seeming willful obfuscations and continued emphasis on insisting that all their corporate actions are upstanding. This is a valid dispute, despite Capital One’s intimations to the contrary, on account of Capital One furnishing derogatory data damaging my credit and using the unconscionable tactic of pushing through some judgment, getting a clerk to sign off on it that shows up on my public record. Capital One, it seems, has chosen to ignore about half of my points in my last dispute. I’m assuming because they can’t answer those and haven’t been able to in the last two months they’ve had to answer them? Consumer protection laws were put into place to protect the consumer from the abusive practices that entities like Capital One and their agents are known to engage in and have a lengthy history of engaging in. Furthermore, It is not my responsibility to verify my data with Capital One in order to obtain the same hearsay documents (loan agreement without the terms of a contract, copies of bills of half the years the account was allegedly in existence). It is not my responsibility to verify this, it is Capital One’s responsibility to verify their accuracy when they are furnishing derogatory data and claiming to have a judgment. If, as Capital One states, they are not obligated to provide affidavits attesting to the accuracy of all the documents they sent in their last answer regarding their business records, then all they forwarded was hearsay documentation, regarding those two 200+ page PDF files with the bills from XXXX on. This is not a customer service complaint about a XXXX fee, or some other minor matter, this, and my prior complaints are complaints to the CFPB about Capital One’s egregious violations of the Unfair Deceptive Abusive Or Acts Or Practices (UDAAP). Yet they continue to “verify” the veracity of the data they furnish. Since Capital One states in their response to me that they don’t have to provide affidavits about attempts to “void a lawful debt you owe Capital One”, I will use the definition of the word, “verify” in its legal sense. As per XXXX XXXX XXXX, XXXX XXXX, Verification is “Confirmation of correctness, truth or authenticity by affidavit, oath or deposition.” By continuing to verify data and willfully refusing to work within the parameters of “lawful”, as Capital One phrases it, they are engaging in a fraudulent misrepresentation of the circumstance, a violation of the UDAAP. In my last complaint I referred to the court’s refusal to acknowledge my interrogatories of the facts of the judgment they allegedly entered against me. Sending a generic form showing the verdict doesn’t show the standing of the case. It doesn’t show how this court fulfilled the NYS civil procedure, in particular 3215 (f), particularly upon Capital One’s states refusal in their response that they have no need to submit affidavits. The court’s refusal to respond to my certified letters and Capital One’s continued forwarding of this statement that there was a judgment and lack of explanation as to how this clerk who signed off on this judgment didn’t commit a fraud on the court by not attesting to following the elements of state law in this matter. Capital One states in response to my last complaint that XXXX XXXX XXXX “followed all applicable laws and regulations in the handling of your account.” Well, I wasn’t quite expecting them to say they don’t follow those laws. Given their past track record, which I documented in my last dispute, their statement of following laws and regulations doesn’t hold much weight. I don’t need to communicated with XXXX XXXX XXXX. I have not entered into a contract with them nor have I consented into any agreement with them of any sort and have no interest in any business dealing with them, nor want them in possession of my personal identifying information, and as they are not furnishing derogatory data to the bureaus they are not my concern. They are merely agents of Capital One’s in this matter and it is Capital One that I am filing this complaint about. Also, as per the attached Affidavit of Service I closed in the response, the process server attests to having communicated with a “Mr. XXXX”, who allegedly was qualified to speak on whether I was a member of the military or not. The due diligence here wasn’t due diligence enough as there is no Mr. XXXX qualified to speak on my status in any way, shape or form. That affidavit should be voided on account of perjury. Capital One, in their response, and despite their claim that Capital One follows all laws and regulations, still has not addressed the point I raised in my last complaint that they violated the Fair Credit Reporting Act (FCRA) by never having notified me in the first place that they were placing derogatory data about me to the bureaus. My “request” for Capital One to cease furnishing derogatory information about me and their continued act of “verifying” said information without having establish a basis for verification in its legal definition, established by Capital One’s stated and willing refusal to submit any affidavits attesting to the accuracy of this data, is not a request. It is a demand, as Capital One continues to willfully contravene their own statement that they follow all laws and regulations. Furthermore, as I have no accounts with Capital One, I demand they remove all of the data they have in their possession on me. On account of the recent data breach of over 100 million customers, it is apparent that Capital One cannot guarantee and certainly appears to be incapable of guaranteeing the security and privacy of any information they possess. Their transgressions towards the consumer that I have documented here and in my prior complaints, combined with their disregard for safeguarding customer data make it clear that this is a company that consumer protection laws were created to safeguard the consumer against!
|
09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Dear Sir or Madam, *1. CAP ONE AUTO Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
03/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. XXXX is a private, speculative, non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item or merchandise item for investment purposes ( i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc. ), and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional legal tender public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself DOES NOT even recognize or accept " Bitcoin '' as a legitimate legal tender currency! They WILL NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are themselves legitimate. It is regarding the fact that there have been fraudulent charges stated for the record as " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a FRAUDULENT CASH ADVANCE FEE of {$16.00} was assessed, then on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed, and finally on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed. The grand total of these fraudulent charges comes to {$28.00}. When I contacted Capital One directly by telephone regarding these fraudulent fees/charges, they adamantly refused to do anything about these charges, AND STILL REFUSE TO - thus breaking U.S. law. ( It is also noteworthy how a Big Bank feels it can break or add to or amend U.S. Law at will, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact legal tender " cash '', neither could they tell me where I received this legal tender " cash ''. CASH, as defined by XXXXXXXX XXXX XXXX XXXX, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX ; XXXX XXXX XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These illegal and arrogant actions by Capital One obviously constitute both FRAUD and THEFT, and DEMAND is hereby made that Capital One IMMEDIATELY withdraw these four FRAUDULENT and illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount due of {$28.00} without any further delay WHATSOEVER! UNDER NO CIRCUMSTANCES WHATSOEVER will these Complaints cease until Capital One withdraws these four ( AND ANY FUTURE RELATED ) FRAUDULENT and illegitimate " CASH ADVANCE '' related charges, does the right and just thing, and credits back to my account the full amount due! ADDITIONAL IMPORTANT NOTATIONS & QUESTIONS : 1. ) The Cash Advance Limit on my Account is {$150.00}. Maximum, so how is it that I was able to obtain {$470.00}. and {$550.00}. Cash Advances on my account? 2. ) Is Capital One a Legislative Body? When did the U.S. Government grant Capital One autonomous authority to determine what constitutes public, legal tender mediums of exchange? Capital One claims that Capital One abides by all applicable laws and regulations, so by what authority are they able to do that? 3. ) The Coinage Act of XX/XX/XXXX, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. '' Cash therefore is in actual physical form which one has on hand. Could Capital One tell me or the CFPB where I received the cash? I dont see Cryptocurrencies mentioned in the Coinage Act of XX/XX/XXXX, so if theyre claiming Bitcoin is legal tender, why would Capital One legitimize and condone a counterfeit form of cash? 4. ) Cryptocurrencies are private de-centralized all digital means of exchange. Currently there is NO formal U.S. Government authorized currency recognition or status afforded to any cryptocurrency. So why is Capital One claiming by their actions that Bitcoin is legal tender? 5. ) In a letter Capital One sent to me, dated XX/XX/XXXX ( attached ), Capital One stated : " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. You may be required to pay a transaction fee as well as interest charges. Your purchases from Bitstamp.net for Bitcoin Purchases are viewed a Quasi Cash. A quasi cash transaction is a transaction representing a merchants sale of items that are directly convertible to cash. '' Note how they state - withdraw cash FROM AN ATM, BANK, CAPITAL ONE CHECKS so then they must be able to provide the ATM or BANK location, or a COPY of the canceled checks! They also state that Bitcoin is Quasi cash representing items directly convertible to cash if this is true, then how could Bitcoin items be cash if theyre not actually cash but only items? They also state that " quasi cash ... [ is ] directly convertible to cash. '' But according to XXXX XXXX XXXX, CASH is NOT convertible! ( CASH, as defined by XXXXXXXX XXXX XXXXXXXX XXXX, is : " Ready money ; whatever can be used as money without being converted into another form ;. )
|
08/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
Dear Sir or Madam, 1. CAP ONE AUTO : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
01/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Dear Sir or Madam, XXXX. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
05/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative, non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item or merchandise item for investment purposes ( i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc. ), and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional legal tender public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself DOES NOT even recognize or accept " Bitcoin '' as a legitimate legal tender currency! They WILL NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are themselves legitimate. It is regarding the fact that there have been fraudulent charges stated for the record as " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a FRAUDULENT CASH ADVANCE FEE of {$16.00} was assessed, then on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed, and finally on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed. The grand total of these fraudulent charges comes to {$28.00}. When I contacted Capital One directly by telephone regarding these fraudulent fees/charges, they adamantly refused to do anything about these charges, AND STILL REFUSE TO - thus breaking U.S. law. ( It is also noteworthy how a Big Bank feels it can break or add to or amend U.S. Law at will, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact legal tender " cash '', neither could they tell me where I received this legal tender " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( XXXX ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( XXXX XXXX ) XXXX. '' As you can CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These illegal and arrogant actions by Capital One obviously constitute both FRAUD and THEFT, and DEMAND is hereby made that Capital One IMMEDIATELY withdraw these four FRAUDULENT and illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount due of {$28.00} without any further delay WHATSOEVER! UNDER NO CIRCUMSTANCES WHATSOEVER will these Complaints cease until Capital One withdraws these four ( AND ANY FUTURE RELATED ) FRAUDULENT and illegitimate " CASH ADVANCE '' related charges, does the right and just thing, and credits back to my account the full amount due! ADDITIONAL IMPORTANT NOTATIONS & QUESTIONS : 1. ) The Cash Advance Limit on my Account is {$150.00}. Maximum, so how is it that I was able to obtain {$470.00}. and {$550.00}. Cash Advances on my account? 2. ) Is Capital One a Legislative Body? When did the U.S. Government grant Capital One autonomous authority to determine what constitutes public, legal tender mediums of exchange? Capital One claims that " Capital One abides by all applicable laws and regulations '', so by what authority are they able to do that? 3. ) The Coinage Act of XXXX, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. '' Cash therefore is in actual physical form which one has on hand. Could Capital One tell me or the CFPB where I received the cash? I don't see Cryptocurrencies mentioned in the Coinage Act of XXXX, so if they're claiming Bitcoin is legal tender, why would Capital One legitimize and condone a counterfeit form of cash? 4. ) Cryptocurrencies are private de-centralized all digital means of exchange. Currently there is NO formal U.S. Government authorized currency recognition or status afforded to any cryptocurrency. So why is Capital One claiming by their actions that Bitcoin is legal tender? 5. ) In a letter Capital One sent to me, dated XX/XX/XXXX, Capital One stated : " A cash advance is not a regular credit card charge. A cash advance allows you to withdraw cash from an ATM, bank or by using checks given to you by the issuer for use when paying with your card is not an option. You may be required to pay a transaction fee as well as interest charges. Your purchases from Bitstamp.net for Bitcoin Purchases are viewed a Quasi Cash. A quasi cash transaction is a transaction representing a merchant 's sale of items that are directly convertible to cash. '' Note how they state - withdraw cash FROM AN ATM, BANK, CAPITAL ONE CHECKS - so then they must be able to provide the ATM or BANK location, or a COPY of the canceled checks! They also state that Bitcoin is Quasi cash representing items directly convertible to cash - if this is true, then how could Bitcoin items be cash if they're not actually cash but only items? They also state that " quasi cash ... ( is ) directly convertible to cash. '' But according to XXXXXXXX 's Law Dictionary, CASH is NOT convertible! ( CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ;. )
|
12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem getting a card or closing an account
- Trouble closing card
|
|
Web |
|
Dear Sir or Madam, XXXX. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA )XXXX the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
06/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
THE FOLLOWING INFORMATION WAS SENT TO CAPITAL ONE ON XX/XX/2020 INVOLVING A DISPUTED CHARGE. AFTER RECIVEING THIS INFORMATION THEY SENT ME A LETTER DATED XX/XX/2020 STATING I DID NOT HAVE ENOUGH EVIDENCE AND MY CASE WAS CLOSED. PLEASE READ BELOW AND SEE ATTACHED DOCUMENTS ALL OF WHICH WERE SENT TO CAPITAL ONE WITH THE BELOW DESCRIPTION. I BELIEVE CAPITAL ONE IS VIOLATING MY RIGHTS UNDER THE FAIR CREDIT BILLING ACT.
On XX/XX/2020, I booked airline tickets from XXXX XXXX through XXXX in the amount of {$1300.00}. The flights were from XXXX XXXX, CA, to XXXX, XXXX XXXX, with a connecting flight from XXXX to XXXX, XXXX, with travel dates of XX/XX/XXXX and XXXX, 2020, and return flights with travel dates of XX/XX/XXXX and XXXX, 2020.
On XX/XX/2020, XXXX advised me via email that the flights were involuntarily changed by XXXX XXXX ( see attached exhibit ). The new flight times were unacceptable to me, not only because our flight leaving from XXXX XXXX ( XXXX ) changed from XXXX to XXXX XXXX Pacific Time ) , but also because we would now miss our connecting flight in XXXX by 10 hours and it would be impossible to reach our final destination in a timely manner. I attempted to contact XXXX by telephone, but could not reach them due to high call volume related to the COVID19 Pandemic that was spreading rapidly around the world. However, I did send XXXX Customer Service an email on the morning of XX/XX/2020 ( see attached exhibit ), advising them that the flight time changes were unacceptable due to our related travel plans, and requested cancellation and refund of all charges. Since I could not contact XXXX by telephone, I requested in this email that they contact me directly. I continued for the next several weeks to make numerous attempts to contact XXXX by telephone without success. However, I did send follow up emails later in the day on XX/XX/2020, on XX/XX/2020, and XX/XX/2020, ( see attached exhibits ), again advising them that the flight changes were unacceptable and requesting cancellation of the flights and a full refund of all charges.
On XX/XX/2020, I was notified by XXXX and XXXX XXXX via email ( see attached exhibit ) that my return flight to the U.S. was now departing from a completely different airport and city then I originally booked. I responded via email again on XX/XX/2020, that this change in cities and airports was unacceptable and once again requested a refund. I also advised them that I would dispute this charge with Capital One if no refund was issued. On XX/XX/2020, I sent another email to XXXX advising them again that I was requesting a full refund ( see attached exhibit ). No response has ever been received by me from XXXX regarding my request for cancellation and refund since my original email or any additional email sent to them.
I also made several attempts to contact XXXX XXXX directly by telephone but was unsuccessful, getting only constant busy signals, again due to the COVID19 Pandemic, which was now spreading rapidly in XXXX XXXX. I should also mention that XXXX XXXX had no information available to contact them via email.
However, On XX/XX/2020, XXXX XXXX notified me via email that my XX/XX/2020 departure flight from XXXX was cancelled ( see attached exhibit ). This email notice came the day before we would have been scheduled to depart XXXX. XXXX never advised me that this flight had been cancelled and I received no credit for this cancellation.
Even though my numerous emails never received a response from XXXX, and my continued attempts to contact them by telephone were unsuccessful, only getting busy signals due to the COVID19 Pandemic, given the fact that I advised them via email on several occasions that the flight changes and cancellations were unacceptable, I believe I made repeated good faith efforts to resolve this billing dispute with XXXX. However, XXXX has failed to act in any way to resolve this matter directly with me and has chosen to continue to try and collect payment for these unacceptable changes and cancellations to my original flights and financially benefit from these unused products and services.
Additionally, on XX/XX/2020, the country of XXXX imposed mandatory travel restrictions, which prohibited foreign nationals from entering their country ( see attached exhibit ). XXXX could have and should have requested a full refund from XXXX XXXX, due to not only the involuntary and unacceptable change in flights, but also due to this travel restriction. Their failure to do so, should be to their detriment and not to mine as I had made several attempts to resolve this matter with them.
In furtherance of my case, on XX/XX/2020, the U.S. Department of Transportation issued an Enforcement Notice ( see attached exhibit ) advising that US and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the U.S. when the carrier cancels the passengers scheduled flight or makes a significant change and the passenger chooses not to accept the alternative offered by the carrier. The obligation of the airlines to provide refunds, including the ticket price and optional fees charged for services a passenger is unable to use, does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). My original flights were changed by approximately 12 hours and travel was restricted to XXXX. Based on this, XXXX would have been able to receive a full refund on my behalf from XXXX XXXX.
I believe the evidence I have provided in this matter is overwhelming in support of my Case. The flight changes and cancellations by XXXX XXXX, coupled with the US Department of Transportation Notice of Refund Requirements, and the failure by XXXX to respond to my emails, clearly overrides their No Refund policy upon completion of booking. Therefore, I am continuing my formal dispute of this transaction and requesting a full credit of the charges reapplied to my account in the amount of {$1300.00}, which should be credited back to my account as soon as possible.
|
12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Dear Sir or Madam, 1.CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
08/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I reported to Capital one to close my credit card, checking account, was relieved that Walmart who's under the umbrella of capital were closed. Great I thought all 3 accounts closed. Capital one confirmed with me over, over in XX/XX/XXXX that they would submit the unrecognized transactions to their department because at the time I had no capital one credit card. It was pretty hectic I'm trying to figure out from filling out applications for jobs online to staying at the hostel in XXXX XXXX XXXX, three suitcases, going into clothing store ( my routine XXXX XXXX to walk around don't know if I left card on counter or dropped it on the ground or a co worker I was talking with, meeting up with just to look, ask questions about a job, I did get up to go to the bathroom leaving my purse on the seating area. I noticed something that did not look right. One I keep my personal information in my purse securely to logging but I noticed that including signing online with capital one I couldn't, I stated over and over once I saw this unrecognized transactions, couldn't login, no credit card on hand repeated. I then received an opportunity to apply for a job with the same co worker I had reached. It was strange it's like I don't all my information seemed to be coming from someone who creepily knew my identity once I lost my personal identity, cards. It was weird, full blown trick. It was messed up. I kept contacting capital close credit I swear if XXXX record shows that they confirmed closed because I reported the situation with compromised, identity, credit card, unrecognized transactions, no fees would be applied, account closed..They took payments on the phone when I verified only the charges I recognized not the compromised transactions or unrecognized. I stated that these fraudsters did not target my Walmart credit card or checking they targeted my credit. It's like I'm in the passenger seat, the fraudsters are in the driver 's seat completely taking over. Omg it is so scary when it's like a trail that I'm not leading because I'm a victim of identity. Imagine now the ridiculous every time I contacted capital one they disregarded my phone calls, desperate pleas. As if now that these fraudsters have the card, access login Capital one I kid you not ( couldn't login for the life of me to view, nothing ) ( nothing being forwarded to me ) capital one kept the account open from XXXX, the continued to leave capital one account open for a whole, open for the fraudsters when I verified my whole identity to close close account. Crisis ... alert ... close account. Don't leave it open I said this does not look right. I had my last glimpse, these fraudsters had taken over, I had no card, no access. XXXX XXXX I told capital you name it police to protect my identity, filed in case anything, I have the police report, so many reports, fraud alerts, copy after copy. Yet in XXXX ( even though I had stated capital one my only account to make payment is XXXX XXXX which by the way XXXX capital one raised my credit limit happily from XXXX but did not do anything when I said no credit card in hand, no access. Just 3 suitcases in XXXX XXXX and homeless but capital one brushed me off. I don't have the technology or capability to one force myself to be worse than homeless when I had been wanting to sustain a better credit history so I don't have low credit score so I can do better like applying for home, better or a second job to get off the streets. Capital one left the account increased the amount to fees etc to what the fraudulent used the unrecognized amount for a year to now close to 700. These fraudsters know what they're doing they figure they would go shopping, leave up to real identity of the person that they using on the capital one account, burden on me. Trying to tell capital I'm the victim, victim of identity theft. Capital one leaves account open from XXXX all this time I'm thinking at least by closing the account, protecting my identity, protection of capital one company nope capital one left account applied fees increased left account open for fraudsters, charged off account sends me an unknown link a year later, because I don't want to submit to this link my personal card capital one does in a few days into my credit score. I was shocked to see capital allowed capital account, online, credit card open for the fraudsters, kept increasing, increasing. by allowing the account to stay open capital one do you know or realize what you just did. You allowed these fraudsters to not only have access ( when I asked you to please close but yours as well ) This account was supposed to be closed, when someone calls in close unrecognized, no card, no access your immediate would be is to close this account. You confirmed with me in XXXX that the account is close, I as the credit card holder to protect you would close, to protect it I don't need a new card just in case these fraudsters try to access, I never you stated would have an opportunity to have an account so why leave an account open when I asked you to close it. I never requested it to stay open. Nope you wiped all payments for only the last location I remember, when I had requested account closed, but then you leave account open for fraudsters to have access, make their fraudulent unrecognized transactions, applied, increased amount wait why would your capital one representatives say no extra charges applied to a closed yet you kept it open, increased the amount of that unrecognized transactions, applied fees??? So many identity theft, FBI IC3, XXXX police starting in XXXX, even to this day ( I am even afraid to get a current ID, fear of my identity asking authorities to protect my identity, to report these non stop unknown fraudsters. I am on my 2nd fraud alerts so that ( I have a letter ) from XXXX so that XXXX, XXXX, XXXX has placed a second fraud alert on my behalf. To this day I am getting companies, having to report someone has or is using my identity I am a victim, accounts, address 's. This is scary but I did try to tell you capital I tried.
|
12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, XXXX. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also 60 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX also 90 days late on this account in XX/XX/XXXX, lastly 120 days Late in XX/XX/XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Dear Sir or Madam, 1.CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
|
11/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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09/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, *1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XXXX late days on this account in XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have asked Capital One on several occasions for an explanation as to how they are making the determination that a charge on my account is both legal and legitimate. They have told me numerous things including : we are on your side this is XXXX making this determination ; there is an XXXX address given which validates the charge ; even though a phone scammer obtained your card information fraudulently it is not fraud because you gave them the information. The XXXX address they cite is located in XXXX, a state that I have never been to, and with a hotel receipt can prove was not my location during the time the charge was made. I can also prove the XXXX address is not from my phone, and that my phone was not in communication with that XXXX address at the time of the charge. To Capital One, however, these irrefutable facts are not sufficient enough to have them even so much as ask for further evidence. I find Capital One 's lack of diligence placed on disputed transactions to be a clear indication of their policies designed to produce results that keep transactions in place, no matter how fraudulent, in order to maintain the transaction fees and associated revenue for their shareholders.
On XX/XX/XXXX, I was tricked into believing that a number on XXXX was for XXXX. Placing a call to that number, a woman answered by presenting herself as XXXX XXXX Assistance Department. Through her deceptive persona, she easily obtained my credit card and personal information, as a longtime member I fully trust XXXX. After our phone call, I received a text message from a company called XXXX XXXX XXXX XXXX with a receipt for a XXXX purchase. I was not familiar with this company and gave them no authorization to run my credit card, and on XXXX occasions I made immediate phone attempts demanding a refund, each time they placed me on hold.
During this same time, I called Capital One to flag this transaction as illegitimate, and was told that I need to wait for the charge to post first. On XX/XX/23, after the charge posted, I engaged Capital One to have the fraudulent charge removed from my account, and they told me I had to file a dispute. I provided Capital One with a detailed record of what took place. Capital 1 sent me a reversal of things after obtaining records from the merchant. These records were clearly filled with lies and fabrications. I responded to the merchants claims with significant evidence, including phone records, text receipts, and hotel bills that documented many of the XXXX XXXX claims as lies and fabrications, including, that the XXXX address used to process the charge was not mine and was in a completely different State than I was in at the time ; that the claim that I was provided with a payment link including terms and conditions to process the sale never happened ; and that I never received any good or service related to the charge. Capital One, an hour after receiving the XXXX pages of documentation I submitted on XX/XX/23, closed my case citing that I did not provide evidence. I placed a phone call to Capital One on XX/XX/23 to inquire about the decision, and a representative cited the reasoning for their decision. Specifically, he told me that I did not submit a statement to the fact that I did not receive any good or service, nor did I submit a statement that I was not provided terms and conditions of the sale prior to the charge being made. I explained to him that in fact, my letter does contain those exact statements and point him to the XXXX and XXXX sentences of my signed letter. He did not care what I had to say about the issue, and made it clear that despite the basis for their decision making absolutely no sense he would not be doing anything to reverse the decision and he would not be providing me with any further details that actually do make sense.
The morning of XX/XX/23, I called back to Capital One to see if I could speak to a supervisor in hopes of gaining more clarity around their decision. I spent over an hour on the phone with a person named XXXX, who also gave me no information about their decision that makes any sense. He did try several times to provide me details from the XXXXXXXX XXXX documentation as a legitimate basis, however, each time I pointed him to areas from my documents that directly refute what he was saying.
For example, he brought up the XXXX address as the reason, and when I asked him where the XXXX address location was, he gave a location in the State of XXXX I directed him to the evidence I provided, proving that I was in XXXXXXXX XXXX over XXXX miles away at that time. His response was " well I am not sure about the technical stuff '', and then went on to tell me that there is nothing I can do to overcome the XXXXXXXX XXXX documentation. I asked to speak to the person who made this determination, because I wanted to speak with the person who apparently does know about the technical stuff, as this was clearly used as evidence to support the claim, when it is actually irrefutable evidence to deny the charge. He responded that supervisors like him are the ones that make these determinations, and refused to connect me with anyone including the person who evaluated the situation and made the determination, and also refused to give me any clarity as to how Capital One is allowing him to use XXXX address information as a basis to validate a charge, but then when faced with the fact that the XXXX address is actually proves the opposite, he is able to respond by stating that he is not good with the technical stuff.
I believe that I am being forced to accept a fraudulent charge because of poorly trained employees of Capital One making decisions they are not equipped to properly scrutinize and then covering up their poor judgement for self preservation of their jobs. However, if this lack of diligence extends beyond my specific situation, then Capital One is engaging in policies in an effort to earn revenue off of fraud. Either way, I should not be held to simply accept a fraudulent charge under these circumstances.
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10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX and XXXX, I opened two Capital One credit cards. I was very proud of my payment history until early spring of XXXX when Covid shut down the entire world. I lost my income and was not eligible for any unemployment benefits. I also happen to reside in Washington state which has had some of the longest term and most financially harmful restrictions. I was unable to make any payments to these credit cards for several months during that time. Presumably, I am not alone in this as Covid was an actual thing that impacted many thousands of people just like me. At the time I went into arrears, what Capital One reported to the bureaus was as follows : 1. {$2700.00} ( including fees attached ) 2. {$1300.00} ( including fees attached ) I tried repeatedly to contact Capital One via phone or email and was only ever able to get through once. Capital One did not try to help my by waiving payments for a short period of time or by waiving interest. They only offered a payment plan, but as I had no income, I was unable to make those payments. Both accounts fell behind. In fact, if you look at my credit reports, you'll see that all my payments to every entity were on time for years prior to Covid. I was given zero assistance and zero consideration during a time when I literally had only enough money to feed myself and keep a roof over my head. In fact, things were so bad for awhile, I actually had to get food from a food bank for a time.
Once I was back on my feet, the spring/summer of XXXX, I got ahold of my credit reports to see how badly Covid had impacted my scores. I immediately saw that Capital One had reported both accounts as defaulted. I requested debt verification and got partial verification. The larger of the two accounts was being collected by an aggressive collection attorney.
After multiple attempts to verify the debt and getting nowhere, I decided to settle both of the accounts in the hopes that once paid and the circumstances explained to Capital One, they would surely remove them from my credit reports, as any other reasonable entity would, due to the circumstances as to why I fell behind in the first place ( the pandemic ). I sent an email to XXXX XXXX, CEO of Capital One indicating that I was prepared to settle both debts and asked if he would please remove them from my credit reports if I did. I received a call from someone NOT XXXX XXXX who told me that Capital One would not remove their reporting from my credit reports. I decided to move forward with settlement anyway and did so shorty thereafter, as I was afraid of being sued and didn't want to further harm my credit.
About three months after I settled the debts, I began working on my credit reports again. I again sent an email to XXXX XXXX asking him to please remove the line items from my credit reports, as I'd already settled the debts. I enclosed copies of the cashier 's checks so he would know that I had, in fact, made a good faith effort to make good on what I owed the company.
Again, I got a phone call from some rep who merely repeated what the first rep had told me : Capital One " must '' report " accurately '' the bureaus. Of course, this isn't at all true, a point I made to this rep. There's no obligation for any company to report to the bureaus at all. It's purely voluntary, so what can be reported can also be unreported.
I also pointed out to this rep that the purpose of credit reporting is to provide : " ... information creditors and lenders use to help them make important lending decisions. While credit bureaus collect credit information in order to make it available to certain third parties, the decision to deny or approve someone credit ultimately lies with the lender or creditor. '' ( XXXX website ) This is accomplished by placing information on an individual 's credit report that presumably indicates his/her relationship with money and debt. Under ordinary circumstances this would perfectly fine. But when a company like Capital One continues to report to credit bureaus during Acts of XXXX pandemics as if nothing out of the ordinary is happening, that smacks more of cronyism and greed rather than " fair and accurate '' reporting.
Because what exactly is fair about it? Was I late in payments because I was irresponsible? No. Yet, the mere fact that these line items appear on my reports give a lender pause and make it appear as if I was/am irresponsible. This is deceit, not " accurate '' reporting, which is required by law. In fact, I'll go one step further and say that Capital One is causing harm to all those who, like me, are trying to recover from financial catastrophe caused by Covid. They know it do not care. It is irrelevant to them and they're perfectly fine with the questionable ethics involved.
Thus, Capital One continues to harm me for potentially years AFTER I settled the debts and made the accounts right with these inaccurate line items. I will pay higher interests, higher fees, have to put more money down as deposits. All because Capital One is determined to stand by an internal " rule '' that has nothing ethical at its base. As I said, had I been irresponsible in my credit card management, those line items would deserve to be there. But I vigorously refute that they do, in fact, need to be there.
If credit reporting to the bureaus is supposed to be a fair and accurate picture of an individual 's relationship to money and debt, then it also MUST by definition take into account extreme and extended circumstances over which the debtor had no control, as in the case of a global pandemic. Otherwise, it is neither fair nor accurate and perpetuates what amounts to libel on the part of the financial institution by insinuating that the debtor is irresponsible.
I have sent multiple letters to both Capital One and the credit bureaus and am repeatedly met with the same XXXX answer. I turn to you now in the hopes that I will finally receive some justice as it pertains to this unethical type of reporting.
Thank you for your time and consideration.
XXXX XXXX
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04/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.
Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein.
2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity.
3. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate.
4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title.
Plain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists.
2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists.
3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the Capital One is legally authorized to collect, and XXXX XXXX believes that no such evidence exists.
4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists.
5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists.
6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists.
7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists.
8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists.
9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists.
10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists.
11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists.
12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.
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10/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
|
Dear Sir or Madam, 1. CAP ONE AUTO Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR CAPITAL ONE BANK USA aka CAPITAL ONE THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.
XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
CAPITAL ONE BANK USA aka CAPITAL ONE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that CAPITAL ONE BANK USA aka CAPITAL ONE is the one responsible for removing this information from my credit report. As it currently stands XXXX nor CAPITAL ONE BANK USA aka CAPITAL ONE has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by CAPITAL ONE BANK USA aka CAPITAL ONE and are being reported by XXXX
Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
|
11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX, as well as 120 days late in XX/XX/XXXX, XX/XX/XXXX, as well as 150 days late in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Iowa XXXX
|
10/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX as well as 90 days late on XX/XX/XXXX and XX/XX/XXXX lastly 120 days late on XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
|
09/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Dear Sir or Madam, *1. CAP ONE AUTO Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XXXX late days on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXXXXXX
|
10/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also 60 days late on XX/XX/XXXX and XX/XX/XXXX as well as 90 days late on XX/XX/XXXX and XX/XX/XXXX and 120 days late on XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I have been trying to get Capital One to reverse a charge on my credit card for a hotel stay that I made on XXXX XXXX, 2023.
On XX/XX/XXXX, I paid for a booking at the hotel through XXXX, for an amount of {$360.00} on my Capital One card. The booking was for one room, two nights from XX/XX/XXXX to XX/XX/XXXX. When I arrived at the hotel on XX/XX/XXXX, the person at the front desk asked me to make a payment of {$310.00} for the room. I was under the impression at the time that it was a security deposit for the room, and that I would be refunded the amount a few days after the stay. I gave them the same card that I used for the XXXX transaction. When I checked out of the hotel on XX/XX/XXXX, I had only received a receipt for the parking garage that I used during my stay there, I never received a receipt for the {$310.00} that I was charged.
A couple weeks later I reached out to both XXXX and the hotel over the phone about this transaction, XXXX tells me that the hotel incorrectly billed me, and the hotel says that I need to handle the issue with XXXX. Both parties agreed that I was incorrectly charged twice for this stay, and that a refund needed to be issued, but neither party wanted to be held responsible. Over the course of a few weeks, I spoke with both parties about my situation, and I requested receipts from both parties to try to verify where the error occurred. It became clear that the billing issue was on the hotels end when I finally received a receipt from the hotel for the {$310.00} transaction, but the information on the receipt was not correct. They had XXXX contact information on file for my account, and they had billed a card that I do not possess. I still do not understand how my card was billed for this amount, but the receipt shows a completely different card.
I reached out to the hotel again and asked about this discrepancy. They did not understand how this happened, and they then proceeded to process a refund on XX/XX/XXXX. I was told that I would receive an email with a receipt for verification of the refund. When I received the email, all the information was still incorrect, and they processed the refund to the incorrect card, not my card. I reach out again on XX/XX/XXXX explaining that I did not receive the refund, and once again they process another refund in the exact same way to the wrong card. I call them back again to explain the mistake once again, and I was then told that a manager would need to handle the situation, but there wouldnt be one until later that day. I reached out to them for the third time that day, and I am finally able to speak to a manager after over a month of back-and-forth calls.
The manager proceeds to tell me that he can not process a refund for {$310.00} to my Capital One card because they do not have any record of this card being charged for that amount. He then tells me that the hotel policy does not allow him to refund any amount that did not appear in their records. The only transaction they have on file with that card is for the parking receipt that I received on XX/XX/XXXX, so he is only authorized to refund the amount for that receipt, which I was not disputing.
I ask him how it is possible that there is no record of this transaction on file when an employee asked me for my card and swiped it in front of me for that exact amount, and I can clearly see the {$310.00} that was charged to my card on the day that it happened. He then gets defensive with me and says that its my truth that this happened and insinuates that I am somehow lying to him about the entire situation. In a dismissive tone, he then tells me that if I want that amount back that I will need to file a police report or fraud claim, and that I need to request a charge back from Capital One for the amount. I tell him that is exactly what I plan on doing, and he then accuses me of threatening him and immediately hangs up.
I then reached out to Capital One to request the charge back on the same day of this phone call. On XX/XX/XXXX, I received the letter from Capital One saying that theyre siding with the hotel due to a cancellation policy. I do not understand where this came from because there was never a cancellation of my stay. I was never informed of any cancellation policy, nor was one shared with me at any point during this lengthy process because a room cancellation was never the issue. The issue from the beginning was that I was charged twice for my stay. Im even more frustrated by this given that the support that the hotel provided, given to me in the letter sent by Capital One siding with the hotel, proves my claim and invalidates their argument about any cancellations. The receipts they provide show that I stayed there, and they still show the incorrect cards being refunded.
I sent all the supporting documentation that I can to provide to show the inconsistencies with the hotel 's defense. All the receipts the hotel gave me, XXXX 's receipt, my credit card statement, and the two attempts the hotel made to refund me, and I even notate and comment on all the documentation so that Capital One barely has to do any investigative work at all.
I receive a XXXX letter from Capital One on XX/XX/XXXX that once again sides with the hotel. They claim that the transaction was " processed properly '' despite me pointing out several times that their processing refunded a card that I do not own. They want me to provide proof that I paid the room with another form of payment, despite the fact that I sent them the receipt that I had paid for the room already with XXXX with the same card.
I am tired of having to plead my case over and over again to Capital One, they have been unwilling to cooperate with me and have dismissed any evidence I provide because they do not want to make the effort to correct a mistake I've been dealing with for 3 months now. I have given them all the evidence that proves that the hotel has made numerous mistakes, and yet they will stand by and let this hotel charge me twice.
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04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX This matter involves Capital One and their mishandling of a dispute I have with a merchant.
Below is a chronological list of pertinent facts : XXXX XXXX, XXXX : XXXX charged me {$110.00} as an automatic renewal for annual antivirus protection. The existing subscription did not expire until XX/XX/XXXX.
XX/XX/XXXX : I reject the automatic renewal and receive an email confirming the cancellation of the automatic renewal.
XX/XX/XXXX : Call and talk to XXXX disputing the XX/XX/XXXX charge of {$110.00}. She opens case # XXXX.
XX/XX/XXXX : Letter from Capital One that they've credited my account {$110.00} for the invalid charge since XXXX apparently never credited my account.
XX/XX/XXXX : Letter from Capital One stating XXXX has no record the automatic renewal was cancelled. Documentation from XXXX clearly states that " your subscription will automatically renew at the then applicable rate price unless cancelled by you '' ( Part 2 - General Terms, section 5a ), page 2 of 6 ). Invalid charge is reinstated.
XX/XX/XXXX : Send correspondence along with copy of XX/XX/XXXX cancellation email from XXXX to Capital One. Included in the correspondence is an additional note stating that not only is there indisputable proof that the automatic renewal was cancelled on XX/XX/XXXX, but that the charge should also be reversed as the renewal period didn't begin for 5 more days and I clearly didn't want it.
XX/XX/XXXX : Letter from Capital One stating my XX/XX/XXXX correspondence " ... .. lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. '' XX/XX/XXXX : Called Capital One and spoke with a lady named XXXX who barely spoke XXXX. XXXX confirmed that they had all of the documentation detailed above including the XX/XX/XXXX cancellation email. I asked her what else was necessary and she didn't know what to say, finally suggesting I needed to provide a cancellation number ( although one was never provided ) and later a copy of the cancellation policy ( even though it was detailed in the documentation XXXX submitted ). I told her I had provided irrefutable proof that the renewal had been cancelled and further was disputing in well in advance of the automatic renewal date of XX/XX/XXXX. This call lasted approximately XXXX minutes and included numerous periods of me being put on hold for several minutes without any notice. Clearly, this customer service representative was in a third world country where XXXX in not the native language. She was also clearly uneducated and untrained in basic business transactions that occur in the United States of America. I asked if they provided XXXX with a copy of my cancellation email and she said they had not because they didn't need to. I finally asked her to just close my account which she assured me repeatedly she could do.
XX/XX/XXXX : After waiting a few hours, I called Capital One to confirm if my account had been closed based on my previous discussion earlier this day and it had not. I then asked the customer service representative to close my account which I subsequently confirmed had actually occurred.
XX/XX/XXXX : Statement showing charge has been reinstated, late fees, interest added.
XX/XX/XXXX : Call Capital One and get a lady from a third world country who doesn't speak XXXX. I couldn't understand one word she said. I asked to speak to someone in the United States and get transferred to XXXX. I explain the situation to XXXX and she transfers me to XXXX. I ask XXXX why this charge has been reinstated and she says it's because I didn't dispute it 60 days prior to the renewal period ending. When I explained I disputed it on XX/XX/XXXX, the same day it was charged, she changes the reason to not disputing it to 60 days prior to XX/XX/XXXX. I asked her what she was basing these statements on and she could provide no specific document, policy, etc., she literally was just making reasons up. I explained that I had clearly gotten the charge cancelled on the same day it happened and Capital One was just being lazy, ignorant, and irresponsible by trying to bully me instead of a company it undoubtedly does business with on a daily basis.
This account was opened on XX/XX/XXXX, and has always been paid it in full on or within a few days after the statement is received - always well in advance of the actual statement payment due date. I've always paid for all legitimate charges which has included every charge since the account was opened until XX/XX/XXXX.
My current credit score is XXXX. I'm XXXX XXXX XXXX. I've always paid for every legitimate charge I've ever experienced in my life.
Capital One clearly doesn't want to charge this illegitimate fee back to the merchant- perhaps because it's easier to just dump it back on me and hope I don't say anything and just pay it. Rather than hassle a merchant they undoubtedly do significant business with, they can just bully a single person who they think will just cave to their demands. Capital One outsources their customer service and dispute reporting to third world countries that don't speak XXXX and are uneducated and largely untrained. It appears their training is possibly limited to rejecting all claims, automatically siding with the merchant, and just blindly dumping illegitimate charges back on individuals.
This matter isn't complicated. I've proven beyond any doubt that I cancelled the automatic renewal- on the same day it was charged. Further, I disputed it well in advance of the current subscription period expiring- by approximately 5 weeks.
At the very least, Capital One needs to credit back my account for the illegitimate charge and any associated fees and interest. Any erroneous reporting to Credit Agencies must also be corrected. Fines against Capital One should strongly be considered.
Capital One has confirmed that they have all relevant documentation although additional copies can be provided upon demand.
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11/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One continues to report inaccurate information even after my continued attempts to correct the information. The consumer can not be indebted to Capital One. Any balance due over {$1.00} is due to me the consumer since I presented Capital One with a security in which they accepted and granted the consumer a credit line. Capital One breached the agreement by closing the consumer credit line which left an alleged high balance of {$360.00}. This is due to me the consumer. Any purchase money loan should be returned within 7 days of the termination of the consumer credit line. Capital One has the means and my consumer information to rightfully return the funds of this account.
12 CFR 226.11 - Treatment of credit balances ; account termination.
CFR prev | next 226.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 226.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
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10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX and XX/XX/XXXX as well as 90 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account XXXX : XXXX Please correct this inaccurate information on my credit report.
I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As well as 60 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with Capital One and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts.
Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau.
I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
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01/08/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XXXX XXXX the Executive Officer of Kohls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that his company was not removing a kohls/Capital One account from my consumer credit reports XXXX, XXXX, and XXXX after I investigated the company for violating the Fair Credit Reporting Act in CFPB case : XXXXToday I have additional Laws and regulations the company violated. The first one is The Gramm-Leach-Bliley. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? KOHLS CARDMEMBER AGREEMENT does not list this information for the consumer required by federal law. I was never explained or given the option to opt out of my account information being shared with third parties such as the consumer reporting agencies XXXX, XXXX, and XXXX. In addition the company violated the FEDERAL TRADE COMMISSION TRADE REGULATION RULE CONCERNING THE PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES regulations. The following notice is not listed in the Kohl 's Card Agreement to collect any debt from me. [ Source : 42 Fed. Reg. 19490, XX/XX/1977 ; as amended at 42 Fed. Reg. 46510, XX/XX/1977, effective for all consumer credit contracts taken or received by sellers after XX/XX/1977 ] PURPOSE OF THE RULE In adopting this Rule the Commission determined that it constitutes an unfair and deceptive practice within the meaning of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for a seller, in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumer 's duty to pay independent of the seller 's duty to fulfill his obligations. In the course of public proceedings of the Rule the Commission documented numerous cases where consumer purchase transactions were financed in such a way that the consumer was legally obligated to make full payment to a creditor despite breach of warranty, misrepresentation, and even fraud on the part of the seller. Under ordinary contract law, the promises of the parties to a sale transaction are mutually dependent. A seller is entitled to payment provided he delivers what he promised to deliver. If the seller fails to deliver what was promised, the consumer 's obligation to pay may be reduced or even eliminated. However, it is possible for a seller to arrange credit terms for buyers which separate the consumer 's legal duty to pay from the seller 's legal duty to keep his promises. This separation of duties may be accomplished in three ways. First, the seller may execute a credit contract with a buyer which contains a promissory note. In the event that the promissory note is assigned to a credit company, the credit company takes it free of any claim or defense which the buyer would have against the seller. This is true unless the buyer can prove that the credit company is acting in bad faith or with notice of actual seller misconduct. Second, if a local statute prohibits the use of such promissory notices in credit sale transactions, the seller may incorporate a written provision called a " waiver of defenses '' in the text of an installment sales agreement. A waiver of defenses is the consumer 's written agreement that his installment purchase contract may be treated like a promissory note in the event that it is sold or assigned to a credit company.
Finally, a seller may arrange a direct loan for his buyer. Where a seller arranges a loan in this fashion, the lender is legally entitled to payment in full whatever the seller may do or fail to do in the sales transaction which accompanies the loan and for which the loan is obtained. In jurisdictions where efforts have been made to curtail the use of promissory notes and waivers of defenses, the Commission documented a significant increase in the use of arranged loans to accomplish the same end.
The Commission 's Rule is directed at all three of the above situations. It is designed to prevent the widespread use of credit terms which compel consumers to pay a creditor even if the seller 's conduct would not entitle the seller to be paid. It is designed to preserve the consumer 's legally sufficient claims and defenses so that they may be asserted to defeat or diminish the right of a creditor to be paid, where a seller who arranges financing for a buyer fails to keep his side of the bargain.
MECHANISM OF THE RULE The Rule is designed to insure that consumer credit contracts used in financing the retail purchase of consumer goods or services specifically preserve the consumer 's rights against the seller. It requires sellers to include the following provision, or Notice, in the text of any consumer credit contract which they execute with a buyer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
In addition, if a seller arranges direct loan financing for his customers, the Rule prohibits the seller from accepting the proceeds of the loan as payment for a sale, unless any loan contract signed by the buyer and the direct lender contains the following provision : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Based on this finding I owe no debt and Kohl's/Capital can't collect any debt or payment from me the consumer because it's not in the Kohls card member contract agreement. I've attached the Kohls 's card member agreement below.
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11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBAXXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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01/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am asking the Consumer Financial Protection Bureau to take all actions necessary to compel Capital One Bank to comply with applicable laws regarding fair credit practices and U.S. Codes of regulations with respect to consumer assertion of claims and defenses.
The facts involved in the case I am bringing against Capital One are as follows : 1. ) Violation of terms of service and breach of contact : Capital Ones agreement with its cardholders provides that amounts charged by a merchant to a cardholder will be charged back to the merchant in the event that the merchant violates a specific provision of the agreement with the cardholder. In this case, I charged the amount of XXXX to my Capital One Mastercard on XX/XX/2019 for lodging accommodations in the State of Oregon. Subsequent to making this charge, I learned that there was a state of civil unrest in the State of Oregon at the time I was due to travel ( several of these incidents of civil unrest were well documented in the national media ). Please see attached documentation provided to Capital One as an addendum to information provided on XX/XX/2019, which included the following links to national media websites substantiating the presence of civil unrest in the state of Oregon : https : XXXX https : XXXX https : XXXX The merchant in question, XXXX, explains in its terms of service that these very circumstances allow for cancellations of any reservation, and that this policy supercedes any and all other cancellation policies. Specifically, the language reads as follows : Cancellation policies may be superseded by the Guest Refund Policy, extenuating circumstances, or cancellations by XXXX for any other reason permitted under the Terms of Service.
This policy may be read here : https : //XXXX Further explanation and clarification is found in XXXX terms of service, which explicitly state that cancellations are allowed outside the guest refund policy for reasons including : civil unrest in the area that the guest is traveling from, traveling to, or that the hosts home is located in. Examples include : Violence '' These terms may be referenced here : https : XXXX Note that these terms of service also state Theres no required documentation for these circumstances.
Accordingly, these charges should have been reversed by the merchant in accordance with the merchants policies. That failing, Capital One should have charged the amount in question back to the merchant in accordance with Capital Ones policies and terms of service as noted above. In fact, Capital Ones representatives assured me, on a recorded line, that the amount would be fully credited to my account, and that there would be no problem taking this action, as it was clear and evident that the services had not been received. Documentation of these facts may be found by referencing the following Capital One case number : XXXX number : XXXX.
On XX/XX/2019, after noticing that the amount of XXXX continued to remain on my account, I contacted Capital One. After spending almost XXXX hours dealing with various representatives in the dispute resolution department, I was instructed by customer service representative XXXX ( ID # XXXX she refused to provide her last name ) to validate two specific points via research and documentation : i. ) The merchants policies regarding civil unrest and/or violence in the region being travelled to, ii ) The actual presence of civil unrest and/or violence in the region.
Despite my having provided this documentation ( see attached ), which conclusively proved the merchant had a policy regarding civil unrest and/or violence that superseded any other cancellation policies as well as substantiated the presence of civil unrest in the region being travelled to, Capital One took no action.
2. ) Violation of U.S. Codes of Regulations with Respect to Consumer Assertion of Claims and Defenses : When Capital One failed to take appropriate action, they were sent a
four p
age, certified letter on XX/XX/2019 ( see attached correspondence dated XX/XX/2019 ) asserting claims and defenses and detailing the reasons for doing so. This letter was received by Capital One on XX/XX/2019 ( see certified return receipt dated XX/XX/2019 ). Although the letter allowed Captial One up to 60 days in which to take proper action ( well beyond that provided by law ), Capital One not only did not do so, they did not even bother to respond to the letter. In the interim, Capital One continued, and continues, to allow the balance in question ( XXXX ) to remain, and continues to charge interest on this amount. Capital One continues to violate applicable laws, specifically U.S. Code of Regulations 1666 ( a-j ) as well as U.S. Code of Regulations 226.12, which allows consumers of credit card services to assert claims and defenses, as well as in continuing to charge interest on the amount in dispute.The failure of an organization as large as Capital One to take any meaningful action, or follow the law, or even bother to respond to what is clearly a very important matter, underscores and reinforces a point I made in my XX/XX/2019 letter : Capital Ones dispute resolution department is woefully incompetent. Sadly, this is increasingly apparent.
In consideration of these breaches and violations, please take the appropriate action against Capital One and its agents, and, in anticipation of action I will be taking against Capital One in conjunction with other enforcement and regulatory agencies, including the State of California Office of the Attorney General, please keep me apprised of your progress.
If you require any additional documentation, need further clarification, or for any reason need to speak with me directly, please do not hesitate to contact me at : XXXX. I thank you for your efforts in ensuring that companies doing business in consumer finance operate both legally and ethically, and I look forward to working with you in this matter.
Very Truly Yours, XXXX XXXX
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11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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1. CAPITAL ONE AUTO FINANF Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE AUTO FINAN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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07/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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Account Numbers : XXXX & XXXX I have reasonable cause to believe that I have been extorted!
Capital One is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.
Capital One and the Consumer Reporting Agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Capital One along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for nonrepayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity.
I would like Chief Executive Officer XXXX XXXX XXXX of Capital One to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation.
In a letter ( see Exhibit A ) from Capital One dated XX/XX/2022, Capital One Services stated, We closed your account as you asked, and your card is no longer active.
As the true beneficiary, this has been done without my lawful consent. I would like the names of everyone involved in this conspiracy against my rights. I will need to see this documentary evidence to insure that Capital One isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation.
Also, in a letter ( see Exhibit B ) from Capital One dated XX/XX/2022, the Customer Care Team stated, A copy of your customer agreement will be sent under a separate cover.
I am aware that Capital One did not fully disclose the nonpublic personal information in their Agreement.
Furthermore, Capital One has taken adverse action against me ( see Exhibit C and D ), with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 FCR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties.
My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Act, has been violated.
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital One to furnish any late payments to my consumer report. It is my belief that due to Capital One business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Capital One has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce.
This is my last and final attempt to address this matter before escalating this matter to a United States District Court and insuring that everyone involved in this conspiracy is brought up on charges.
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved Cc : Corporations Implicated : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Capital One XXXX Financial XXXX XXXX XXXX XXXX of Capital One Capital One XXXX XXXX XXXX of Capital One XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX Vice XXXX & XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Operating XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX & Chief Legal Officer XXXX XXXX XXXX XXXX of XXXX Information Services
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07/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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CORRECTION : DUE TO TYPOGRAPHICAL ERRORS, PLEASE DISREGARD & DISCARD OF MY PREVIOUSLY FILED COMPLAINT AGAINST THIS COMPANY ( COMPLAINT NUMBER : XXXX XXXX & PLEASE ACCEPT THIS CORRECTED NEW COMPLAINT, IN ITS PLACE. PLEASE ALSO SEND THIS CORRECTED NEW COMPLAINT TO THE COMPANY : My boyfriend, XXXX XXXX, is also filing her separate complaint regarding the same companies and issues. Capital One Bank together with XXXX is forcing me to sign up my Essential Checking Account Debit Card for a service I do n't want or need to sign up for. And after having no other choice and being forced to sign up my Essential Checking Debit Card for the service, I quickly discovered, after reading the terms and conditions and clicking on the Contact Us tab, that the XXXX XXXX XXXX is only good for Capital One Bank 's 360 Checking Account Debit Cards and not for Capital One Bank 's Essential Checking Debit Cards. I have an Essential Checking Account and Debit Card so why are Capital One Bank and XXXX forcing me to sign up and use a service that 's not even intended for my Capital One Bank Essential Checking Account and Debit Card? Both Capital One Bank and XXXX are now blocking my access to my own hard earned money whenever I want to send money via XXXX XXXX or make online purchases with several merchants. I feel like my money is being and/or has been kidnapped or hijacked for a ransom by Capital One Bank and XXXX. When I get to the submit portion of my XXXX XXXX money transfer, I quickly get a pop up screen telling me that Capital One Bank would like to make this a more secure transaction by having me sign up for a XXXX service entitled, XXXX XXXX and once that pop up shows up or you click on the Help link, at the bottom of the pop up, there 's no way to go back, bypass, reject or cancel the pop up so now you have no other choice and are forced to sign up for the XXXX XXXX service, whether you want to or not or whether you need it or not. The Return To SecureCode link at the bottom of the Help pages, never works so now you have to totally delete the app of the merchant you were using and totally reinstall it again. This is the time wasting ordeal Capital One Bank and XXXX put you through : After searching your bank 's name, it gives you the following two choices for Capital One Bank : Capital One Debit Cards /Capital One Debit Cards beginning with XXXX or XXXX but no matter which one of the two you choose, it wo n't successfully register any Capital One Bank Essential Checking Debit Cards. It endlessly keep displaying the following error message : " The Credentials Supplied Are Incorrect. '' Capital One Bank 's 800 Essential Checking customer service representatives quickly, tell you that the only way to fix the problem is to open a Capital One 360 Checking account and without warning they very quickly transfer your call to Capital One Bank 's 360 checking customer service department. These actions are forcing endless Capital One Bank Essential Checking customers to forcibly open up Capital One Bank 360 checking accounts just so they can use a Capital One Bank Debit Card to make online purchases or send money transfers with several merchants. These are nothing more than very unprofessional, untrustworthy, unfair, unlawful, unjustifiable, unnecessary, unwanted, unwarranted, conviving, abusive and deliberate harassing attempts by Capital One Bank to forcibly cross sell their Capital One Bank 360 checking accounts by forcibly scamming and harassing their customers to register for and use XXXX XXXX while, at the same time, XXXX is also harassing and forcibly cross selling their XXXX XXXX service to Capital One Bank 's customers by blocking and denying those same Capital One Bank customers, access to their own personal monies, whenever they want or need to use their Capital One Bank Essential Checking Debit Card to make purchases or send money transfers with several merchants. This is also nothing more than a Capital One Bank and XXXX, unlawful Banking Venus Fly Trap for Capital One Bank and XXXX only knows, how many more other endless and different financial institution customers!!!! Plus because of the lack of helpful information and assistance offer by Capital One Bank and XXXX, I ca n't even determine if the XXXX XXXX pop ups I 've encountered several times in the last few days are fake fradulent pop up scams being implemented by other parties, not associated or conducting business with Capital One Bank nor XXXX!!!! As of yesterday, Capital One Bank quickly started directing me to XXXX to resolve this issue but when I contacted XXXX, XXXX quickly directed me back to Capital One Bank to resolve this issue. Capital One Bank and XXXX are now both placing me in an eternal revolving door and giving me the eternal run around from XXXX. Now, all of a sudden, no one at Capital One Bank nor XXXX seems to know what 's going on or causing this issue and because of that lack of knowledge, I refuse to add any more money to my Capital One Bank Essential Checking account until I definitely know that the several XXXX XXXX pop ups I encountered in the last few days, where I was also forced to enter my highly personal and banking information were n't fake fraudulent scams implemented by other parties not associated or conducting business with Capital One Bank nor XXXX!!!! I feel like I 've abusively, forcibly and for no lawful reason at long been placed into a financial and physical straitjacket, HELP!!!! I am currently also looking into my legal options to protect other consumers and myself from these types of unprofessional, unlawful and unfair business practices, tactics and scams!!!! Capital One Bank and XXXX are unprofessionally, unlawfully, unjustifiably, wrongfully, unfairly and forcibly cross selling the XXXX XXXX service to Capital One Bank Essential Checking customers knowing that that service is only for Capital One 360 Checking customers, UNREAL!!!! Please refer to the attached supportive photos!!!!
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09/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
On XXXX XXXX, XXXX I, went to Capital One Bank, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, Texas XXXX, to withdraw funds from my account and was told by XXXX XXXX ( Assistant Branch Manager ) that I couldnt receive cash but only a cashiers check in the amount of {$12000.00}. I explained to XXXX XXXX that I have never been turned down from getting cash from my own account and that I needed the cash to disburse. XXXX XXXX then asked me if I was a tax preparer and I stated yes. She then stated to me, Looks like youre doing something fraudulent. I then told XXXX XXXX that Ive never been talked to that way and the only reason I stopped by that branch was because Id just left my doctors office nearby and it was convenient for me. I then told XXXX XXXX that I would just go to my home branch and conduct my business transaction there.
I then went to my home branch, Capital One Bank XXXX, Texas XXXX to withdraw the cash. I was told by the teller that my account had been frozen and the she didnt know why. I then went home and called Capital One Bank, XXXX XXXX and asked to speak with XXXX XXXX, or someone in charge to get answers as to why my account was frozen without her telling me. Instead, I kept getting transferred from place to place and no one would take my calls. Not only had the account been frozen from withdrawal, I was also locked out of any access or view of my accounts online.
A few days later a XXXX XXXX called me, he claimed to be an Investigator for Capital One Bank. XXXX XXXX then ask me if I prepared taxes and I stated yes. He then told me thats not the way taxes are done. I then told XXXX XXXX evidently you dont know anything about taxes and he became very rude and angry with me. He then asked me if I had an attorney and if I kept customers records and I replied yes and that their information was confidential. I ask XXXX XXXX why, is my account frozen? and told him, he or someone needed to meet with me and explain to me what happened. XXXX XXXX told me that he didnt need to meet with me and for what? I told XXXX XXXX that he and Capital One Bank were stealing my money and that I felt they were doing something fraudulent and he was going to be reported.
On XXXX XXXX, XXXX, after another Dr.s appointment I returned to Capital One Bank XXXX XXXX Texas to talk to XXXX XXXX and/or XXXX XXXX. I asked XXXX XXXX why did she freeze my account without telling me, she stated Its out of my hands now and into XXXX XXXX hands. XXXX XXXX then connected me with XXXX XXXX via phone. I told XXXX XXXX that I had over {$73000.00} in the bank that I worked hard for and that he could clearly see, in black and white, that the IRS sent that money to me from my customers as payments. XXXX XXXX told me that he was sending the money back to the IRS and that it wasnt going to be {$73000.00}, it was going to be {$66000.00}. As I was talking to XXXX XXXX, my wife asked XXXX XXXX, As of today right now, XXXX XXXX, XXXX, how much are you showing in the account? XXXX XXXX stated Its showing {$69000.00} and something, as we speak. I told XXXX XXXX my savings had nothing to do with my checking account and that I needed it. He stated Im sending it all to the IRS. I told XXXX XXXX, Have a good day and my attorney will be contacting you.
You may be as confused as we were at this point. What XXXX XXXX was telling me was that he was sending all of my money to the IRS, checking and savings. But his numbers were not matching what I know was in the account nor what XXXX XXXX was saying she could see in the account. Where were all these numbers coming from and where was the original amount?
On XXXX XXXX, XXXX I hired an attorney. XXXX XXXX called me on XXXX XXXX, XXXX and told me he was sending me a check in the amount of {$3800.00} from my savings account and that he was sending {$66000.00} to the IRS. I received the check ( {$3800.00} ) and a copy of a screen shot from a computer. The copy of a screenshot that was sent to me was illegible. So, I took it to my Capital One branch bank and had it blown up. It was a screen shot from a computer and was dated XXXX instead of XXXX. A cashiers check sent in the future 2 years? I could also now see that this was something handwritten explaining what looks to be a possible electronic transfer of {$66000.00} requested from XXXX XXXX. It also has my FORGED signature on the bottom.
I went to the IRS to make a complaint and try to retrieve my money. I told her my complaint was not only to retrieve my wrongfully disbursed money but that it was also done with my forged signature. I was told to fill out form XXXX and show proof of my signatures via Military ID as well as my Texas drivers license, in which I left a copy of both my signatures and the forged signature at the IRS with the complaint as requested. To this day the IRS has not contacted me about the Capital One Bank complaint.
The Attorney sent numerous letters to Capital One Bank and stated that Capital One Bank would not answer any of them. My next step was to send a letter to Capital One Bank CEO. On XXXX XXXX, XXXX, I sent a detailed letter to XXXX XXXX XXXX, CEO Capital One Bank at, XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX. Weeks later I received a phone call from a female claiming to be from XXXX, Texas and working for Capital One. She stated that she reviewed the letter and spoke with XXXX XXXX and he told her that the IRS asked for that money. I asked the lady, Why havent I received anything from the IRS? She couldnt answer that. I was so ill at the time I didnt get her name nor make notes of the conversation. Not knowing which way to turn, I continued looking for attorneys that would help me with this bank case, but no one handled bank cases. I went back to the IRS and was told to mail a copy of the complaint to them and I may get a sooner reply. I havent heard from them yet. Finally, I found someone that told me to contact Consumer Financial Protection Bureau. And here we are today.
|
01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also, 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX as well as 90 days late in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well XXXX days late in XX/XX/XXXX. I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, and XX/XX/XXXX as well as 60 days late XX/XX/XXXX. I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days XXXX not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
Case Number : XXXX Merchants Name : XXXX XXXX Date : XX/XX/2021 to XX/XX/2021 Disputed Amount : {$500.00} Dear Capital One, I received your letter with the update on the above mentioned dispute. This letter is to inform you that I do want to continue with this dispute.
On Monday, XX/XX/2021, our plans for lodging had fallen through while outside XXXX XXXX, CO. I started searching for new accommodations while we were traveling back to XXXX XXXX. When I found XXXX XXXX XXXX advertised for {$350.00} per night on what appeared to be their website, I clicked on it to reserve the room. It said that the room was available so I entered my information and credit card number. When I clicked the icon to book this room, it popped up that the room was available for {$500.00} with icons to Submit ( authorize ) or Exit ( to back out ). I clicked Exit because the price was incorrect. A message popped up saying that the room had been reserved and my card had been billed {$500.00}. I immediately called the number on the site and explained the situation. I was then sent to customer service where I explained the situation again. The foreign man on the phone said I could not cancel because it had to be done 24 hours in advance. I explained that it had only been 5 minutes since I made the reservation and that the price was not as advertised. I also explained to him that I had tried to deny the reservation, but the site would not let me. The entire time we were talking I could hear a rooster crowing in the background. At this time, I knew that this was a scam. I personally went to the resort to cancel the room, but the representative said that it was done by a third party so the third party would have to do it. He also stated that it happens more than people realize, and it should not be legal. So here we are with XXXX Res telling me that they can not cancel the reservation because it has to be done 24 hours in advance, and the actual Resort personnel telling me they can not cancel because it was done by a third party and they would have to cancel. I immediately went to my car and called Capital One to see what we could do. I requested that my card be locked so whoever had my number could not charge anything else to it. While I was on the phone with Capital One, my wife XXXX XXXX XXXX and found out that it was indeed a scam and a fraudulent site as you can see by the attachments. I was told that the charge would have to hard hit my account before it could be disputed so I waited until after XX/XX/XXXX to file the dispute and cancel this card and be issued another one. I did not receive a sales invoice or purchase agreement, and I do not have a cancellation or return policy of the merchant. XXXX XXXX never XXXX me any kind of documentation.
If you decide to charge me with the {$500.00} after this letter and documentation, I will cancel the card permanently as I do not desire to do business with a company that does not believe the word of a good, loyal customer for several years over the word of a scammer.
The above letter was written and faxed in response to Capital One 's letter dated XX/XX/2021. Also sent were several pages proving that XXXX XXXX XXXX was a fraudulent company.
In response to Capital One 's letter received XX/XX/2021, the following was sent.
Case Number : XXXX Merchants Name : XXXX XXXX Date : XX/XX/2021 to XX/XX/2021 Disputed Amount : {$500.00} To Whom It May Concern : This letter is to inform you that I am exercising my rights under the FCBA ( Fair Credit Billing Act ).
I am requesting that you send me documents proving that I owe {$500.00} for the charge made by XXXX XXXX XXXX.
Under FCBA, I have the right to request a chargeback dispute because I was charged for services that I never received.
As stated in the letter that I faxed you on XX/XX/2021, I never received any type of documentation AT ALL from XXXX XXXX XXXX. Not a confirmation of the reservation, a receipt, purchase agreement. NOTHING!! I can not send you what I never received. I was told I had to cancel 24 hours in advance. In advance of what? .the reservation was made for the same day online by a third party whom I immediately called and tried to cancel 5 minutes after I tried to cancel online and could not. That timeline makes no sense. He refused to cancel when I called because it was not 24 hours in advance. It was 5 minutes after I clicked Exit to cancel the reservation. I was looking for a room FOR THAT DAY!
Under chargeback rights, I can request a chargeback with my card issuer when I reach out to a company and they refuse to help me and I do not receive the goods or services.
Under FCBA, I also have the right to file a complaint with the FTC if I feel like you have violated my rights.
Tired of all the faxing and form letters, I called Capital One on XX/XX/2021 and spoke with XXXX. I explained the situation yet again and was told that they could do a second chargeback with the proper documentation from me. I explained that we NEVER received ANY documentation from XXXX XXXX XXXX. I can not send what I never received. We did not stay there and XXXX XXXX XXXX REFUSED to cancel the reservation 5 MINUTES after it was made stating it had to be made 24 hours in advance. How are you going to do that when we were scheduled to check in within 3 hours??? We tried to cancel at the Resort, but they could not because the reservation was made by a third party ( XXXX XXXX XXXX ). We did not stay at the Resort, so goods and services were not received.
Capital One refused to do a second chargeback without the proper documentation. We have been good, loyal customers for 10 years and never disputed any charge before this. Capital One has no protection for their customers against scammers which is what happened in this case. Because of this, I requested that the card be canceled. I want no further dealings with a company that protects the scammer instead of its customers.
|
09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX as well as 90 days late in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
Hello, On XX/XX/XXXX, XXXX random inquires from XXXX XXXX XXXXXXXX popped up on my credit report. They are and will be past business bank accounts of ours as well as personal checking/savings and credit card.
I recieved X2 Hard inquires on the same day which took my credit score down by XXXX points.
These were dated back : XXXX XXXX XXXXXXXX applied for credit XX/XX/XXXX : This was NOT done by me.
XXXX XXXX XXXX applied for credit XX/XX/XXXX : This was not Done by me XXXX XXXX XXXX has been the worse decision I have ever made as they have continually done this through the years without any merit or conset. The offers they send not only are discarded, but they also say that they are soft inquiry only variety. So to have a hard inquiry and 2, at that show up on the same day with different dates in the far past that I did NOT apply for, fill out any form or do anything to engage in or use XXXX XXXX XXXX whatsoever is debilitating to my credit report especially when I am trying to buy a home and rent an apartment.
On Friday XX/XX/XXXX I had went into the branch I started the accounts and inquired why these were showing up on my report. They could not answer the questions ans they show no forms or online forms that connect myself, my business account nor my DBA with these dates or hard inquiries.
They told me that they were " perplexed '' that this could happen and that they have several departments that possibly handle this.
On the Week of XXXX XXXX XXXX I had kindly called all of these numbers, were rederitcted to other numbers and filed an immediate removal of these inquires. I was answered with once again, the ability to not know how or why they got on that report nor able to supply evidence of it being Myself or myself ( XXXX XXXX XXXX XXXX XXXX of my businesess XXXX XXXX XXXX XXXX and DBA XXXX XXXX.
Furthermore, XXXX XXXX XXXX has no record of XXXX XXXX XXXXXXXX being our buisness bank account and reports no financial connection between my business and our 6 accounts we have with them.
Further more, XXXX XXXX only picks up 1 payment to my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, internet, TV, ... XXXX XXXX water, sewage and trash, Subscription based credit and trade lines, or any type of continual ongoing lines, credit or information pertinent to my credit health and paid on time and even early over the past 7 years. Again, they have no explanation nor any clue on why they are not connected. The Acccounts clearly state that they directly will report to these beurous including XXXX XXXX XXXX, XXXX, XXXX and XXXX. Interesting how they will report bogus hard inquires, but not anything of true value as I have documentation of the original requests and promises that XXXX XXXX XXXXXXXX state to report to these agencies upon opening of a XXXX Account and dollar amount which we have surpassed every single year since we opened the account in XXXX. At that time they were to report to XXXX XXXX for our busines and my personal account as they are both used when anything happenes. I have since then been able to start the process of seperating these 2 as my credit directly effects my business which is of the highest standards in quality, kindess, empathy and compassion. Our values of of the highest and we are creating change in our enviroments to grow other people sense of kindship, creativity and honest and integrity. XXXX XXXX XXXXXXXX has done the obverse and coninually created hardships for us, charged us bogus fees, and recently paid credit card payemtns for us or a glitch in their system is paying our bills 3X a day on the same day for different values. they have no explanationi for this either as I dont believe they have any control over their security anymore.
We have had X8 data leaks from XXXX XXXX XXXXXXXX and had to get new Cards shipped to us due to their inability to secure their business structure and IT structure resulting in our infomration being leaked to the public. Their recent, the biggest in history has been the start of this current complaint.
Again, 2 hard inquries on all credit reporting agencies, and highly negativily impacting my business and personal credit.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual DATES of illeged incidents : -- XXXX reports : XX/XX/XXXX, XX/XX/XXXX -- XXXX reports CAPITAL ONE ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Bank Account Misrepresentation, payments and misuese of my personal account resulting in higher fees, overdraft fees of values I have never seen or read about and confusing data to accompany these transactions with no evidenece they were made by Mysel of my business.
on XX/XX/XXXX there was a Credit card payment of 3 varieties on the same day, 3 different values : {$35.00} {$150.00} {$200.00} This was a glitch in their system but I belive it ended up charging me overdraft fees. This is not the first time this has happened.
ALL BELOW ARE BOGUS, AND I CALLED ALL OF THEM AND THEY REPORTED NO EVIDENCE OF ME APPLYING FOR ANY OF THESE!! THEY SUGGESTED I CONTACTED THE CREDIT REPORTING AGENCIES AS THEY HAVE NO IDEA WHAT AND WHY THAT WOULD HAPPEN.
Capital One : Reported a Hard inquiry and a 30 days late In XX/XX/XXXX. Both were non legitiment credit reporting. I did have them remove the 30 days late, but they said it would stay on the report for 90 days before it can be removed which I know is against the fair trade and credit act.
Capital One : Also did a hard inquiry on XX/XX/XXXX This was not enabled or requested or anything by myself and also just showed up on my credit report out of a random inquiry and hurt our credit report.
XXXX XXXX : another inquiry I have no clue where came from but called an no way to contact.
You applied for a credit card on XX/XX/XXXX XXXX You applied for a loan on XX/XX/XXXX 2021
|
12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Dear Sir or Madam, XXXX. CAPITAL ONE Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time XXXX XXXX XXXX # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Capital One to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$5900.00} and late payments reported, as well as a closed account and a charge-off by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and has caused a lot of emotional distress for myself and my children.
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete.
Please provide me with the below-mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence of your license numbers and your registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : *Misuse of my copyrighted property *Violation of the Fair Credit Reporting Act ( F.C.R.A. ) *Defamation of character *Violation of the F.D.C.P.A *No consent was given *Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of June 5, 1933, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
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09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, *1. CAPITAL ONE Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, XXXX. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
Capital One Bank please{ validate} the account you have under my name the name of who investigated this account their contact information how they investigated ,what sources were used in the investigation. the time and date who you contacted in detail both parties what was said, you investigated copy of original contract with my signature copy of contract with my signature on it from who you sold the account if contacted their name contact information employee , ID# time and date , what was said by both parties in detail who the original creditor for this account is-, payment history on this account this is{ validation} NOT verification- complaint numbers XXXX and XXXXXXXX I want the information from you NOT the one you sold the account to -. I do not have your account number but here is the collection company you state you sold the account to- their account isXXXX- REMBER any one you contact the above information is needed-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
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11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. CAPITAL ONE BANK USA N Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with CAPITAL ONE BANK USA N and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
Dear Sir or Madam, 1. XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report.
I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts.
Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau.
I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
09/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. KOHLS/CAPONE Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with KOHLS/CAPONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
Dear Sir or Madam, *1. CAPITAL ONE Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Dear Sir or Madam, -1. CACAPITAL ONE XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
|
01/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
Opened a 360 checking account with Capitol one bank after reviewing reviews of good online banks. Main reason I signed up with Capitol one 360 is because they claim to be the best online bank. The account was open for less than a month before fraud team or security team placed a hold on my funds and complete access to my account. I had set up direct deposit and received it weekly and had been using the debit for daily purchases/bills. I made a mobile deposit on XX/XX/XXXX for the amount of {$750.00}. It was a check written out to myself from my XXXX XXXX checking account and had filled out everything correctly/valid. The deposit went through and received a full available confirmation email for the XXXX, 4 days later. Due to my account being new I understood and was aware that there might be a hold on my funds until the check clears for verification reasons, which I know from experience with my other current banks. The next day I received a email from fraud services saying my account is on hold and I need to call them for information. I check the app and see that I dont hVe access to anything other than making deposits, which is convenient for Capitol one, not me. So I call the bank and try to see what the issue is, and at first the customer service rep questions me about my most recent debit card transactions, which I verified as being made by me. Then I was abruptly told to hold and then transferred to security team. A male representative from the security team picked up the phone and started speaking to me as if I was being interrogated. I was asked why would you deposit a check to yourself when you could transfer the money online and was continually asked cynical questions in a disgusting tone. I was told that because of this there is now a hold on my entire account, not just the check I deposited. In order to remove this hold on my account I would need to allow a 3way call with XXXX XXXX, the bank where I was trying to deposit the check from. I didnt approve this whatsoever and questioned why I was being treated this way and if asking for this type of information is even legal on their end. Ive been banking with XXXX XXXX and XXXX XXXX since I was in high school and have never been asked for this type of access and Ive spoken to several departments with their company before. I dont understand why Capitol one would want access to my completely other checking account which was with another company. They even stated to me that Capitol one and XXXX XXXX use the same check-clearing communication systems or fund-verifying system which made me question how that wouldnt be sufficient to clear the check. I have been questioned before about a check I deposited with another company and they ask for my permission to contact the other bank themselves and verify if funds are available, not initiate a 3way call and request entire bank account information rather, I still believe this is illegal practice and have never heard of this. I was told that my options are only this or way for the check to go through the clearing system which could take up to 7 business days which is much longer than what Ive heard of. I asked if I could just cancel the deposit in order for the remaining funds in my checking account to be made available to me because I use this money for my bills/daily transactions. I was told thats not an option.. I have never been this frustrated before and disgusted with the type of service I was being provided with. I had spoken to the Capitol one representatives in a respectful manner despite the fact every rep was giving me no solution nor speaking to me with a respectful tone. My money had been literally held hostage by the bank, and Im talking about the remaining balance that has nothing to do with the deposit I made. Now let me reiterate I mentioned at the beginning of this complaint, and also on the phone with your representatives, that the main reason I signed up with this bank is because they claim to be a online bank. The last option I was told that MIGHT provide me access to my funds is stepping inside a physical branch, which after searching was 2 hours away from me. That is not an option nor ever was a expectation I had believed I needed to do from the start of opening this account. The service and practices Capitol one has provided me with is utterly disgusting and Im still questioning whether it is legal. Over the next couple of days I had called and asked for access to my funds and was repeatedly denied. Almost five days later I was connected with a supervisor in the security team who allowed me to withdraw {$400.00} from my account from an ATM only while she was still on the phone with me, which I agreed to as I was desperate for my money which again I have said is what I use for my daily transactions/FOOD. I was only allowed to withdraw this amount because it had to be an even amount for an ATM to be used. I noticed the supervisor I had a remaining balance of about {$14.00} and also had another 2 claims which amount to almost {$120.00} which would be deposited into my account in the next couple of days. She stated that my account was being closed and the remaining balance would be mailed to me in the form of a check. This would take atleast 10-20 business days which is ridiculous. I didnt even care about the terrible customer service I was being provided with I just wanted access to my money which I need. Now I am owed a total of {$130.00} which was told I would receive in a close out check in the mail which I have yet to receive. If you look at my bank account transactions you can see that Im not the richest and Im only a college student barely getting by, so every dime counts to me. I need access to every penny of my money and I dont understand how legally/morally Capitol one believes they get to dictate how/when thats done especially considering the circumstances of this situation.
|
12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPONE Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX.
I immediately disputed this information with CAPONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late payment in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with KOHLS/CAPONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
I received the response from the credit card company and it was unacceptable. Just because you sold the account doesn't mean it can not be fixed. It can be recalled because the debt was a mistake. Just saying that it is out of our hands is unacceptable because I can prove with your own Customer Agreement that with the security deposit being collateral for the account then i dont owe anything and you need to change collateral to partial collateral or factor in late fees and interest for an average secured credit card account when collecting a security deposit. In the Capital One Customer Agreement under Security Agreement first paragraph : " You must provide a security deposit in U.S. dollars from a U.S. deposit account ( the " Funds '' ) to secure the obligations to us that you incur in connection with your Account ( " Obligations '' ). So the deposit is to ensure you keep to the customer agreement. [ Customer Agreement = Obligations ] All fees and interest fall under this statement being in connection with your account [ so if the obligations describes the whole agreement " Obligations '' = credit limit + interest + fees which is your " Balance ''. In paragraph 4 it further describes the security deposit as being Collateral by stating " You grant to us, as of the date you deliver Funds to us, [ Funds being the security deposit ] a security interest in the Funds, any additions to the Funds, any proceeds of the Funds and any interest on any of these ( collectively the " Collateral '' ) [ so they are stating that Funds + addition to Funds + interest on Funds + proceeds of the Funds = Collateral so lets back up, if Security Deposit = Funds and All Funds = Collateral then Security Deposit = Collateral ] to secure your performance of the Obligations. '' Basically the security deposit is collateral for the " Obligations. '' So the security deposit covers everything in the agreement.
Collateral is defined collateral /kladrl, klatrl/ noun noun : collateral ; plural noun : collaterals 1. something pledged as security for repayment of a loan, to be forfeited in the event of a default.
synonyms : security, surety, guarantee, guaranty, insurance, indemnity, indemnification ; backing " she put up her house as collateral for the loan '' This is the definition when XXXX searched. You can go to XXXX and search " Collateral '' to find this definition.
[ to help understand i would define collateral as being different but equal to so if im loaned XXXX dollars and give a watch as collateral then the watch = {$20.00} in the deal. Doesnt matter if the watch is worth {$50.00} its still a full payment for the {$20.00}, same goes if the watch is only worth {$10.00}, its still full payment for the {$20.00} not watch + {$10.00} when you go to collect.
So in that definition they use the word loan. Loan in our case is the " Obligations '' [ which obligations would be everything in the agreement you agreed to which includes interest and fines which is the " Balance '' ] No where does it say that the security deposit is partial collateral for the loan or " Balance ''. The way the dictionary defined it was house = loan, so the house covers the loan or in our situation " Obligations '' which is all terms in the agreement all formed into a " Balance '' So all related together a Loan = Obligations and Obligations = Balance so house = balance or in our situation security deposit = balance. What your doing is saying the house is only partial collateral of the loan or " Balance '' and now you want the house + car as payment when the house was already agreed upon as collateral for the loan aka " Obligations '' The reason there was this misunderstanding was because i lost my job and my balance was under my credit limit and i could not pay anymore but i did not close the account because i read that the security deposit is collateral meaning i didnt have to pay anything cause it was covered by the security deposit and what you would do is just take my security deposit and it would be done the account would be closed and all even. Instead i had to find out from my credit report that you tacked a bunch of fees and then closed the account.
This is why i had to define what collateral means in our situation because if i paid a security deposit and a security deposit is collateral then you would have just closed the account and it wouldnt matter if you added any fees to the balance because it would be covered by the security deposit with the word collateral being used. Remember even if different it is still equal no matter if it more or less. You must know what collateral means if using it in your agreement. You can not use collateral because there is no such thing as partial collateral. When something is collateral it equals whatever the loan is. In this case the loan would be described as the Obligations so you cant say that everything is not satisfied when using the word collateral because collateral means one thing equals another not one thing equals some of the other. When i read that the security deposit was collateral i understood that it would cover the obligations so you cant say the security deposit is collateral and not have it satisfy all the obligations. you would have to remove the word collateral and use something else to describe the security deposit. THERE CANT BE ANY PART OF THE OBLIGATIONS NOT SATISFIED IF YOU USE THE WORD COLLATERAL so that sentence does not make sense in the agreement. Im talking about the sentence that says " You are responsible for the repayment of any Obligation that is not satisfied by the application of the Collateral. '' YOU CANT APPLY A COLLATERAL AND NOT HAVE EVERYTHING SATISFIED. When using collateral it covers one item to another and in this case security deposit to obligations and everything is satisfied. its house-loan not when you go to collect collateral then asking for house + car to = loan
|
12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, XXXX. KOHLS/CAPONE Account Number:XXXX* Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX 2020 and XXXX 2020.
I immediately disputed this information with KOHLS/CAPONEand the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time.
XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
Dear Sir or Madam, *1. CAPITAL BANK, N.A. Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL BANK, N.A and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPONE Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAPONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Dear Sir or Madam, 1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXX-XX-XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
09/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
Dear Sir or Madam, 1. CAP ONE AUTO Account Number:XXXX**** .Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the late with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXXXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/28/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. KOHLS/CAPONE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with KOHLS/CAPONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
10/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Dear Sir or Madam, 1. CAPITAL ONE Account XXXX XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/2022 evidenced by Complaint File Number XXXX. The complaint was to inform Capital One of a billing error on the account. Capital One consequently closed my open-end consumer credit plan solely because I exercised in good faith my right to dispute which is protected and secured by the laws of the United States ( Federal Consumer Law ). Attached to this complaint you will find a notice dated XX/XX/2022 informing me that my account was to be closed as it violates " Capital One 's Customer Agreement ''. However according to 15 U.S. Code 1666 ( d ) - Correction of billing errors- Restricting or closing by creditor of account regarded by obligor to contain a billing error. Pursuant to regulations of the Bureau, a creditor operating an open-end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict, or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
Capital One is defined as a covered person that engages in offering and providing consumer financial products and services to Consumers consequently, they are amenable to Federal Consumer Law and It is unlawful for any covered person to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or to engage in any unfair, deceptive, or abusive act or practice.
Capital One has violated 15 U.S. Code 1666 ( d ) - Correction of billing errors evidenced by attached Consumer Financial Protection Bureau response dated XX/XX/2022. Capital One in accordance with Federal Consumer Law may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict, or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error. Capital One closed my account on XX/XX/2022 prior to the sending of the written explanation or clarification required.
In the Capital One notice dated XX/XX/2022 informing me that my account was to be closed as it violates " Capital One 's Customer Agreement ''. However, when we reference the section Closing or Suspending Your Account within " Capital One 's Customer Agreement '' it states You may contact Customer Service to ask us to close your Account. We may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. If we close or suspend your Account for any reason, you must stop using your Card. You must also cancel all billing arrangements set up on the Account. If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account Capital One has stated that they can close or suspend consumers accounts at any time and for any reason permitted by law, even if you are not in default. However, as it pertains to my account, I didnt violate any law, and my account was in good standing this is evidence that such determination by Capital One to close my account was ultimately arbitrary and capricious. The act to close my account is evidence of unfair and abusive acts and practices by Capital One.
The act to close my account is an unfair act because it causes substantial injury in the form of monetary harm to the consumer and is likely to cause substantial injury in the form of monetary harm and cause the consumer to be victim to further use of abusive, deceptive, and unfair debt collection practices by debt collectors which is not reasonably avoidable by the consumer. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Said substantial injuries are not outweighed by countervailing benefits to the consumer or to competition.
The act to close my account is a deceptive act because it misleads the consumer into believing they violated a law. This is further evidenced by Capital Ones Customer Agreement and the attached notice to close my account sent to the consumer by Capital One.
The act to close my account is an abusive act as it takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the consumer financial products and services. or takes unreasonable advantage of a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service, the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service, or the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.
Ultimately Capital One has violated Federal Consumer Law and pursuant to 15 U.S. Code 1666 ( e ), Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon.
However, Capital One is still attempting to collect from the consumer a debt in which Capital One has forfeited any right to collect. This is prohibited conduct and is unlawful and is causing the consumer substantial harm namely monetarily.
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10/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hi. My name is XXXX XXXX. I have been a Walmart cardholder for about 4 years. On Tuesday, XX/XX/XXXX, I visited my local Walmart ( XXXX, XXXX # XXXX ). I made a purchase of {$42.00} and paid at the self-checkout ( using my Walmart credit card ).
While at the self-checkout, I attempted to withdraw an {$80.00} cash advance ( in addition to my purchase ). Each time I entered my card, I got a message saying it was declined. I swiped a total of 4 times.
I opened the Capital One app, and it appeared that each transaction was successful. There was a young man ( employee ) monitoring the self-checkout area, so I called him over to ask for his help. He couldnt figure out why I was experiencing this issue. He then called over a manger ( a young lady ), and she couldnt figure out why I experiencing this issue, either.
She told me that she would cancel the transactions ( as they were still pending ), and suggested that I call card services- which I did, while I was in the store. I spoke with a young man on the phone, he explained why I could not take the cash advance, but told me that I could go ahead and purchase my groceries. I inquired about the multiple pending transactions, and he informed me that as long as Walmart did not finalize them, they would fall off in approximately five days.
I went to another resister ( still in the self-checkout area ), to complete my purchase. My purchase total was {$42.00}. I bought six items and the cash advance was never disbursed. The register that I subsequently moved to was XXXX XXXX XXXX.
Yesterday ( XX/XX/XXXX ), I received my Walmart card statement that I have attached ( as well as my receipt ). As you can see, there were MULTIPLE transactions that were NOT pending, but have come through as approved! Resulting in me going over my credit limit, and will be reported to the credit bureau, which could ultimately affect my credit score!
I called card services yesterday and started a dispute. I also called XXXX Walmart today and spoke with a Store Manager by the name of XXXX. XXXX reviewed the transactions on his end and insists that the only approved transaction he sees for my card is for {$42.00}.
XXXX Walmart tells me one thing, card services tells me another. In the interim, I have {$500.00} in charged that I did not authorize! How does this happen?!
I received four separate dispute forms yesterday. Last night, I completed all four, attaching a statement, detailing what happened because the questions asked on the dispute form DID NOT fit my particular scenario. I also attached my receipt, showing that the only approved transaction was for {$42.00}. I submitted all of the aforementioned via fax on the evening of XX/XX/XXXX and I have the transmission report, confirming that all pages were successful.
Today ( XX/XX/XXXX ), I received email notification from Capital One that my conditional credits would be reversed and the disputes transactions would be re-added. I immediately called card services ( AGAIN ), and spoke with a representative by the name of XXXX. He informed me that the reason for the reversal was due to me not completing the dispute forms. I explained to XXXX that the questions asked on the form did not fit the scenario, but that I DID submit a statement, as well as a receipt. He informed me that he did not see a statement, OR a receipt!
So am I to believe that all of the documentation was successfully submitted, with the exception of my personal statement and the actual receipt? XXXX emailed me a link to which I could attach the receipt and personal statement, but I am unable to upload via that link, due to the restrictions in document size.
I reached out to Walmart via XXXX on XX/XX/XXXX and XX/XX/XXXX. I was advised that they would submit feedback to the store, and that I could contact them again if I required further assistance. I contacted them again on XX/XX/XXXX, requesting that someone contact me. I received an email from someone by the name of XXXX. XXXX informed me she would pass along my feedback, but that I would need to contact Capital One ( the card issuer ).
I them contacted Capital One via XXXX. They responded, welcoming me to direct message them. I direct messaged them, explaining my issue in great detail. They responded and provided me with the toll free number, and suggested that I call and ask for a Dispute Supervisor.
I called, and was transferred to a Dispute Supervisor by the name of XXXX. I explained the issue to XXXX ( she was the FOURTH representative I have spoken with since this issue began ). XXXX informed me that they received the 4 dispute forms, but that they did not receive the receipt or the personal statement I submitted. XXXX then attempted to walk me through uploading the documents via a secure link. I explained to XXXX that my documents exceeded the file size restrictions imposed by their tool.
Despite this, she still insisted that I try. I tried ( AGAIN ), only to receive the same error message. I then informed XXXX that I would again fax the documents to her. XXXX advised me that when faxing, I would need to include my card # on each of the documents, as that was the process. I informed her that while I would again fax the documents, I would NOT include my credit #, as that was sensitive information.
On XX/XX/XXXX, I again faxed my statement, detailing what had occurred, along with my receipt, proving that the ONLY transaction that was successful was for {$42.00}. I have the fax transmission reports from ALL FOUR faxes, showing that those transmissions were successful.
On the evening of XX/XX/XXXX, I received 4 new emails from Capital One, informing me that they will be reversing the conditional credits, because they have not received the required documents.
As a long time Capital One customer, with MULTIPLE accounts in good standing, this is UNACCEPTABLE!
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11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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08/26/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1986 Current Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX Equifax XXXX and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft CAPITAL ONE AUTO FINAN Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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1. CAPITAL ONE Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This complaint is being filed against Capital One Auto Finance. I went through the refinance process with my local credit union to refi our Capital One Auto loan to save money because we are working with a mortgage company to buy a home. Both my husband and I were out of work for a couple months but never missed a payment on any accounts and even paid off all debts that our mortgage company asked of us. We started the refi process for our auto loan on XX/XX/2020. The credit took a little bit to finalize the paperwork but still manage to close the new auto loan on XX/XX/2020. The new lender assured us the loan would be paid of before the due XXXX to Capital One Auto finance. Well the bank sent to payoff through the mail and the payment was received by Cap One after the XXXX and Cap One sent us to collections as a 30 day late. The 30 day late is now keeping us from securing our needed mortgage.
My husband XXXX XXXX is also approved to speak on the account and he was very upfront with capital during the last week of XXXX because I was worried the payment was late and let them know what happened, We even called my new bank to let them know Cap One never recieved the check and they said they would cancel the pay off check because it was probably lost on the mail or slowed through processing due to Covid and lack of fully staffed offices. On XX/XX/XXXX the check cleared.
I have explained to capital that we can't have a 30 day late on our Credit report because it'll cause us to lose our mortgage, my husband spoke with a man named XXXX XXXX, and he said we can get the mark removed if I fax in an explanation of the lost mail delay, and he asked me to write the letter in the fax and include very specific details of the issues and once the fax is received someone from cap 1 will call me that day, we asked, are you sure your office will call me? and he XXXX ( XXXX XXXX ) said yes, we will call with an answer and get it removed. I did exactly what XXXX said and I recieved NO phone call, now I call back and was told by a CAP ONE rep that they have no way of calling back, so I was given the wrong info from XXXX # XXXX, I asked to speak to a floor manager and I was sent to a female floor supervisor, I explained the 30 day wasn't my fault and can she remove it from the credit report, she said NO they cant and the previous rep XXXX was wrong and she couldnt do anything. I explained this wasnt my fault and please give us a removal of the 30 day late, she said NO and I aksed to be transferred to a higher manager, I was sent to XXXX in the Office of the President for Cap One auto fincance, XXXX said she will send this matter to the credit team to see if this can be removed as a " good will '' and they will reach out by XX/XX/XXXX, soon after a man named XXXX called on XX/XX/XXXX from the Office of the President and said to me husband that this issue is " NO REASON '' to lose the chance of getting your mortgage '' so XXXX said he will send this to more staff in the department to get this removed. XXXX was speaking to my husband and said I, XXXX had to call in to initiate a dispute because the loan was in my name. I called back around XXXX XXXX that same day and spoke to a women who said " thanks for calling in XXXX and we can now initiate the dispute. She said it'll take 5 days to have an answer. After 5 days my husband called back and found out that the dispute was never started on the XXXX and they " forgot '' to send the info in to be disputed and the 30 day late is still on the eport, the nice lady said " I apologize that it was never sent to the escalation team, but i'll do it now, and in fact I realized this happned earlier today before you called, but i never did anything with it, and the man XXXX you were working with has been moved to a new Dept. and can no longer help you ( NOW THIS is 5 days longer than expected, they FORGOT to work on the case ) Now the man XXXX, that said on a recorded Line, that " we dont want this issue to be the reason you lose your mortage '' is now gone from the department and I am starting over.
I just want this 1x 30 day late removed so we can get our home. Today XX/XX/2020 I was called by XXXX in the OFFICE the of President at Cap 1 auto financed, and he said he investigated my case and he wont remove the 30 day late, he even stated the post date on the envelope was before the due date, he said cap one doesn't do good will removals, but XXXX back on the XXXX said that she would submitt for " good will removal '', and XXXX said " this is No reason to lose a mortgage so lets see what we can do '' all on RECORDED LINES. I was mislead by XXXX and XXXX, 1 for good will removal remark and XXXX misleading that he said " we shouldnt lose a mortgage over this. If XXXX said we will submit for a " good will removal, why is XXXX saying they dont do them? interesting misleading claims between 2 employees in the office of the president? who is correct?
I have been upfront with cap one of this issue since XX/XX/XXXX, I faxed, jump through hoops, did everything they said with the false hope and misleading info that they would help me, we never ask for any COVID support during our period of nowork and we kept up will all our bills and paid of all debts to cap one to maintain out mortage approval. XXXX XXXX # XXXX said today XX/XX/2020 that he will review/ listen to the phone calls and and see if i was mislead in any of the conversation. I WAS mislead by XXXX, saying this " issue is NO REASON '' to lose a mortgage, and XXXX who said she will submit/escalate for a " good will removal '' they mislead, I learned from my mistake, and I have been told my mortgage is a NO GO with the 30day late on the account.
I am requesting a 1x removal of the XXXX XXXX 30 day late, It should be done solely based on the run around I have been given since the end of XXXX.
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11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My capital one Quicksilver account was paid in full and always paid on time. Due to other frustrating issues, I called and canceled my card on XX/XX/XXXX of XXXX. I have my phone bill and recorded call.
Today for the first time in approximately 2 years I received an email from creditwise associated with capital one. Finding this odd, I pulled out my records with old passwords and signed right on to creditrise without any problem. It showed my XXXX card was still open. I called the number for capital one service using the last XXXX of the canceled card and I was let right into the automated information stating that I still had the full credit amount and no payment was due.
I called capital one again and after long whole times I got a customer service rep and explain my situation, I was placed on hold and disconnected. This happens several times today period at one point I was transferred to credit wise, explained everything, placed on hold and after a long wait was disconnected there too period at no point did anyone ever try to call me back. I went online and there is no option for cancellation and chat would refer me back to the numbers I had already been calling. by this time I probably had close to an hour and a half into this process. I tried to write down the name so the customer represented is one I believe was named XXXX the other was named XXXX and I don't have the name of the other ones.
I called capital one again and this time I finally was put through to XXXX, who was supposedly a supervisor specialist. I informed him again of the same information, including I don't want a credit hit for now on a card that was closed on XX/XX/XXXX as any hit on my credit report would have long recovered. I also said that at some point capital one would have closed the account due to lack of use on their own terms, again hurting my credit at some point in time in the future, for a card that should have been closed and again any hit should have recovered years ago.
XXXX asked if I received a letter confirming my account closed. I advised him that was two years ago but I have my notes and my cards showing when the account was closed. other info would be in a file away from my home if it exists. However the account that I had also closed on XX/XX/XXXX which was a XXXX card, capital one was able to confirm that that card had closed. The payment dates were not the same to reach a XXXX balance which would be the reason for the two dates. my credit score will reflect I close multiple cards many due to consolidating multiple cards with one company into one card or closing cards I don't use all around the same time in XXXX. I definitely expected my credit to take a hit in XXXX but not in XXXX or whenever capital one decides to not tell me they kept a card open and/or on whatever date they decided to close it on their own.
XXXX said there was nothing he could do. He said he could not put any note on my file or have any note put on my credit report. I said I wanted to speak to the legal department. XXXX said, " we don't have a legal department! ". I advised him that I was recording the call. Also that I was in Iowa and I had every legal right to do so. XXXX said, " You're recording the call? ". I said, " Yes. '' At which point XXXX immediately hung up on me.
Capital one does not have the right to keep a card open when a customer wanted it closed. I've spent hours on this again today. I should not have to take more time to report errors to a credit reporting agency after capital one finally decides to close my account in one way or another. Disputing any hit with a Credit agencies, taking more of my time and effort, after the fact is the only option XXXX gave me to have.
again, today for some unknown reason was the first creditwise alert I've had in years. even their credit reporting agency had not been contacting me. I can verify my score has changed during the past 2 years. I am not legally obligated to review my credit reports or dig deeper into my credit scores to discover capital one ignored me in XXXX, just like they are continuing to do today. capital one is utilizing my credit, devaluating what could have been approved for other cards and I'll possibly hurting any credit score when a large purchases planned period in addition, I don't know how this affects insurance rates or other services that use credit scores that I've had to get in the past two years.
I have every legal right in Iowa to record calls. I should not legally be hung up on especially when capital one claims they do the same thing period especially when a supervisor specialist that I spent hours reaching, was obviously lying to me period this is a very one-sided " contract '' if that is the proper term.
I have no idea why credit wise never contacted me in over two years until today as I have a lot of activity on my credit report and I'll pass 2 years. I have no idea as of this writing what the status of my card or credit reporting from capital one is going to be since it's been a few hours and I've not received any correspondence for this card that I have closed over two years ago and was very clear about that again today. capital one 's refusal, for whatever reason to close my account should not hurt any credit score now period nor should anyone ever be blatantly lied to by a credit card representative or hung up on for me doing a legal activity period I can only assume online options were removed to provide proof of conversations such as those that took place again today. Thank goodness for recorded calls. Quicksilver call was approximately 28 minutes and 4 seconds prior to this connection the longest capital one call today again there were multiple was 25 minutes and 18 seconds this does not include all the calls or the whole times no callbacks no text no emails or the online attempts.
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11/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CAPITAL ONE BANK XXXX XXXX & {$480.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, Iowa XXXX
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12/07/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am writing to you in desperation for an unresolved issue. {$38.00} was stolen via my checking account and Capital One is compliant and refused to properly investigate. In turn, they have stolen {$38.00} from me and/or allowed someone else to do so.
I have been in contact with Capital One numerous times, all recorded conversations on their end. Hence, the conversations will be easily accessible to ensure quality control within Capital One.
On XX/XX/XXXX, I entered Kohls in XXXX, XXXX, Store # XXXX. I was there ONLY to accompany someone as they made a return to XXXX in the back of the store. I walked with him to the back of the store. On the way out, we stopped in the Mens department to look at Mens underwear. After, we left the store WITHOUT making a purchase or coming anywhere near a register.
On XX/XX/XXXX, I went to a gas station to put fuel in my vehicle. At that time, I learned my account was overdrawn due to a purchase that said it was from XXXX XXXX in the amount of {$38.00}.
I immediately contacted Capital One. My debit card was on my dresser at home. It was stored in my XXXX XXXX XXXX XXXX for XXXX XXXX. However, my phone is protected with both face recognition and a 6 digit passcode. I did not put my phone anywhere near a register, either. Capital One did take a fraud complaint and reversed the transaction. I also went to the Kohls store and spoke with several managers over the several weeks. The managers at Kohls did view the video camera and acknowledged I did not purchase anything in store during my time there. They also could not locate a transaction for {$38.00}.
I then received an email from Capital One stating that the credit that returned the {$38.00} to my account from the fraud complaint was going to be reversed because they finished their investigation. I then contacted Capital One via phone ( another recorded conversation ) and asked why? I was told the documentation they had would be forwarded to me. Their documentation arrived nearly a week later stating that I used a chip reader. I argued that it was impossible. I asked for a transaction number and details of the transaction. I was told a transaction number was not available.
I then, immediately, phoned Kohls again. I could not figure out how this could be! Kohls asked for a transaction number. I told them Capital One could not provide me with one. They said the bank has to. I called Capital One AGAIN. This time, they gave me a transaction number and time of purchase at XXXX hours in the morning. I contacted Kohls again and they pointed out that first, they are not open that early. THAT is the time Capital One originally told me-listen to their recordings! Second, Kohls informed me that the transaction number is a fraud because that is not how they put their transaction numbers together.
I, then, contacted Capital One AGAIN. I sent an email statement from the manager at Kohls confirming that I had not made a purchase and there is no such transaction number. I ALSO provided Capital One with the contact information for Kohls so they can ACTUALLY INVESTIGATE!!!
Last week, I received another email that my appeal was denied, regardless of the documentation I provided because they are still stating that I used a chip reader. AGAIN, Kohls has no evidence of any transaction let alone use of a chip reader with my card!!!
I went back and forth with the supervisor who was very condescending. Finally, I asked who oversees Capital One so I can contact them and file a formal complaint. Her response : The PRESIDENT!!! I questioned what President she was speaking of and she said the President of the United States!!! I asked her if she really thought the President was in that kind of serving capacity, in so many words and she again told me that President Biden would be the one to speak to.
I was so beside myself. I cant imagine HOW MANY people have been scammed this way. It is absolutely absurd!
It was physically impossible for me to have used a chip reader because my card was at home, upstairs, on my dresser, in a locked home with XXXX XXXX XXXX and XXXX XXXX keeping guard. Someone would have a better chance of winning the lottery than locating my card to charge {$38.00}.
I can not fathom the amount of wasted time and money I have spent on resolving this. My time is valuable!!! My mental health is valuable. Capital One, and Kohls to some degree, has caused me so much distress. This happened in Kohls ad could be happening by an employee for all I know but beyond an email, they refused to reach out to Capital One or Loss Prevention within their own company on my behalf. I am sure I was not the first or last victim!
This may have only been {$38.00} but I am a single parent busting my XXXX through XXXXXXXX XXXXl and working. With inflation, that money matter just as much to me as whomever stole it!
There are several recorded conversations at Capital One and I know as soon as they are listened to, you will be as besides yourself as I am. The supervisor also denied me sending the documentation even though I have verification via my email account that it was sent. She also change the time of the transaction and now said it was at XXXX hrs. Again, when the man told me it was XXXX hrs, that was on their recorded line. So, it seems as though Capital One is now being fraudulent to protect themselves. Or perhaps, it is someone within Capital One that is scamming and stealing from Capital One customers!
I have all the documentation I was able to get along with an emailed statement from a manager at the Kohls store.
To add, I am besides myself to comprehend that Capital One 's supervisor directed me to contact the President of the United States and could not give me the information to oversees Capital One. To me, that is intentionally misadvising and should be against the law!
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11/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
XXXX Complaint against Capital One Credit Cards Dispute Department I went on vacation XX/XX/XXXX to XXXX, 2022 with XXXX of my friends to XXXX XXXX XXXX, XXXX. I had to file disputes for XXXX charges incurred in XXXX ( an all-inclusive hotel resort XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a separate report with you on that ).
Plus the below dispute for a jewelry store called XXXX XXXX in downtown XXXX XXXX XXXX, XXXX ).
We only left the all-inclusive resort XXXX time for downtown XXXX XXXX XXXX with a known driver that the hotel had arranged. During those fee hours we visited a jewelry store to purchase something to remember this trip by. We paid the amount of {$690.00} ( = XXXX pesos, receipt is available upon request ) for XXXX rings on XXXX, that were sold to us as genuine XXXX XXXX with color-changing stones with my Capital One credit card.
It was shocking to see the bright silver metal on the rings deteriorating to a dingy dark silver XXXX with a copper XXXX showing at the edges during our stay already ( pictures can be provided ). We had no chance to go back to the store, but contacted my Capital One credit card company right away and notified them of the problem with the false claim of the rings being Sterling Silver.
I filed a written reports, supporting documents as requested by Capital Ones Dispute Department were uploaded via secure link they sent to me. A letter arrived soon after our return to the US, saying the dispute had been filed and they had sufficient documentation for now. If more was needed, I would be informed. Multiple times when I called for an update over the next months, a woman with a heavy XXXX accent answered my call ( she was very difficult to understand ). During each call I was put on hold several times, so the person could research the case. But they never seemed to have the full info, asking again for documents I had long already submitted previously. They seemed to ask for XXXX piece of information each time I called, then the next time for another piece, dragging out the matter. They also gave me dates for when the merchant should be responding buy, but those dates seemed to change every time.
The poorly written form letters in between the calls I made to them made little sense pertaining to my case. At XXXX point the XXXX woman told my case had already been resolved in my favor and the {$690.00} amount had been credited on my account. A letter confirming this did not arrive though. When I called a few weeks later, I was informed that the jewelry case was not actually concluded. No further info was provided to me why their story changed again.
Then they wanted me to take the rings to a local jeweler in my area for a XXXX opinion on letterhead. I did that and the jeweler stated in writing, that the rings were cheap costume jewelry, and he wrote on jewelry stationary that the rings were copper plated. ( I uploaded that document to Capital One Dispute Dept via another secure link they sent me ).
The jewelry store at some point finally responded to the quality dispute notification, but their response was a complete non-answer. It stated that 'the merchandise sold was in good condition at the time of sale ' ( a completely useless statement, as naturally no one would buy a Sterling Silver ring, where tarnished copper shows already ). So the issue and their answer to it had nothing to do with each other. To Capital One 's Dispute Department that however was a reason to rule this case in the vendors favor. I told the XXXX woman this is not acceptable and explained that the merchant did not even address the problem reported. Then they seemed to agree with me.
During my last phone call with them end of XXXX I asked for a supervisor again. I spoke with XXXX ( his name is available ). I told him I was displeased with the ongoing negative effect this ( and my other claim due to a charge in XXXX ) had on my credit score. I also told him that I was frustrated how long this had already been going on ( 5 months ), too long for not having made any progress in finding a resolution. I mentioned the false statement his office made to me during that time, that this case had already been closed in my favor, the credit card account credited for the {$690.00}. The it wasnt the case after all a few weeks later.
I finally did also inform him that I read on the news that the US Government CFPB was investigating Capital One for their Dispute handling practices, a fact that was confirmed to me by CFPB in a phone call.
He transferred me to his boss a minute later ( his name and employee number is available ). He put me on hold, then came back and told me that the XXXX jewelry store case had just been closed, the ruling was in the vendors favor, and that closed cases can not be re-opened.
( He then also informed me that my other pending case with them had already been closed as of XX/XX/XXXX, it too was ruled in vendors favor. No comment again - was offered to the multiple phone calls, uploads I had with his office staff way beyond XX/XX/XXXX about this matter.
I was in shock and disbelieve about what had just happened.
My other friend filed a Dispute with her credit card company as well for same reason. The dispute was concluded in her favor and her account was credited for the amount of the purchase at this jewelry store.
In my case nothing at all had been accomplished by the Capital One Dispute Department during all those months. And now Interest charges on the disputes are accumulating significant interest charges on my credit card.
I will be glad to sully any backup information/ records you might need.
I tried to find this jewelry store online, was unable to find their name, can not contact them myself. I am also very happy to return the ring to them but can not see an online listing/ address for them.
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04/30/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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On XX/XX/XXXX, received an email that a new checking account had been opened in my name at Capital One ( message below ). I immediately tried to contact the abuse email provided as contact. I have done this twice now with no response. I have also received a debit card in the mail ( unauthorized ) and further emails asking me to deposit money. I need to know 1 ) if somebody has stolen my identity and I need to take further action or 2 ) why accounts are being opened without consumer authorization and is that legal. The communications are confusing and alarming. I work for a bank and we would never put consumers through such blatant disregard for privacy much less not respond to inquiries regarding such actions.
XXXX, XXXX to make your life and banking easier with 360 Checking?
Youre on your wayheres how to get the most from your new account.
Make your first deposit. ( This is required. ) There are a few ways to do it : Make a mobile deposit.
Transfer money from an external bank account. ( Dont forget to verify your external bank account if youve already started linking it. ) Deposit cash or a check at your nearest Capital One ATM or branch location.
Learn more about how to add money to your account or sign in to add money now.
Download & sign in to the Capital One Mobile app.
Bank from the palm of your handtrack your spending, pay bills and stay updated with fraud alerts.
Its easy to download the app : Visit the app store and select Download or text XXXX to XXXX to get a download link.
Enter or set up your sign-in information.
Sign in and bank on.
Activate your contactless debit XXXX when it arrives.
Your debit card will be shipped via USPS in 5-7 business days and will arrive in a plain white envelope. Sign in to track the delivery.
Activate your debit card in 5 simple steps : 1. Sign in to your account.
2. Choose the account linked to your debit card.
3. Look for the Activate your debit card link next to the debit card delivery tracker on the web, or below your account balance on the mobile app.
4. Enter the expiration date on the card and choose a 4-digit PIN.
5. Select Activate and youre good to go.
Get paid up to 2 days sooner with early paycheck.
Just enroll in direct deposit by giving your employer/payer your account and routing numbers. ( Theyre easy to find when you sign in to your account. ) Or you can provide a completed Direct Deposit Request Form.
Sign in to your account More to love about 360 Checking Check out account tools, tips and features Find a branch, XXXX or ATM near you Send and receive money with XXXX XXXX your bills to your new account Please disregard if you have already taken these actions.
Download the Capital One Mobile app.
About this message Web access is needed to use mobile banking. Check with your service provider for details on specic fees and charges.
Your 360 Checking account must be funded within 60 days of account opening, otherwise it will automatically close. Mobile app download and sign-in, debit card activation, and direct deposit enrollment are not required.
By clicking on the download link above, you will be taken to a site hosted by Capital One, XXXX or XXXX.
Mobile deposits are available only in the U.S. and U.S. territories.
Deposit limits apply; you will be notied of the limit at the time you make a mobile deposit.
The Capital One Mobile app has a XXXXstar customer rating on the XXXX XXXX and is in the top 10 % in the Finance App category as of XX/XX/XXXX.
The Capital One Mobile app has a XXXX-star customer rating on XXXX Play and is in the top 10 % in the Finance App category as of XX/XX/XXXX.
As of XX/XX/XXXX there are XXXX XXXX, XXXX XXXX and XXXX Capital One ATMs.
The site may be unavailable during normal maintenance or due to unforeseen circumstances.
Early paycheck is available for 360 Checking customers that set up direct deposit with their employer or other payor to receive electronic deposits of regular periodic payments ( such as salary, pension, or government benets ). Certain non-payroll and tax payments are not eligible for early paycheck. Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payors payment instructions and therefore you may not always see your direct deposits arrive early. Early paycheck eligibility may vary between pay periods and daily/transaction limits apply.
It may take two cycles for your direct deposits to take eect.
XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX.
XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license.
U.S. checking or savings account required to use XXXX. Transactions between enrolled consumers typically occur in minutes.
Transactions can be sent using email or U.S. mobile phone number ( U.S. mobile phone numbers only ).
Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book.
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you XXXX have submitted.
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.comXXXX
Products and services are offered by Capital One XXXX N.A., Member FDIC.
XXXX Capital One. Capital One is a federally registered service mark.
XXXX XXXX XXXX
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07/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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Dear Claim Department, Im writing to you regarding my claims and to relay to you in my own words what transpired.
I was recruited by a person named XXXX XXXX on XXXX. She claimed to be living in XXXX, WA which is about 10 mn from where I live. She also claimed to have worked for XXXX since XXXX of 2023 and claimed to very much like working for them. I have attached the screenshots of my conversation with her on XXXX XXXX
Please see below : XXXX I then received a message from a person named XXXX XXXX who claimed to be the hiring manager of XXXX company. Ive included the screen shots of my conversation with her below.
XXXX XXXX As you can see from our convo I didnt want to give personal information over text so I went to what I thought was their internal forum. I believed this was all legit!
On XX/XX/XXXX I finally sat down for the interview and contacted her on what I now know is something called XXXX '. At the time I thought it was part of XXXX and that XXXX was the hiring manager. She proceeded to explain to me what the position was all about, duties and responsibilities as well as benefits. She then conducted about a 30 minute interview with me where she asked me all the normal questions you would expect to have during an interview. She then took about 5 minutes to go discuss my answers with her team and then came back and said congratulations they would like to offer me the position. She then told me she would be sending me around {$4000.00} for the equipment I would need for my on line work from home position. It was my understanding that this money was for a computer and printer and software. I thought it was a little strange for them to send me so much money but thought it was the way with these new totally on line companies that had employees all over the world. She also told me that once she processed me I would meet with a local representative here in XXXX and I would sign my W2 and have a chance to ask more questions in person. I honestly believed it was all legit!
I have enclosed all of our conversation on screen shots as well and they are laid out below. ( I apologize but the conversation below is in reverse order, I could not figure out how to flip it. Sorry! ) XXXX On XX/XX/XXXX I made the first deposits ( for what I believed was for my computer and software ) and they went through to my bank into a new account that I had set up just for this because I was a little nervous about scams and didnt want it to affect my actual personal accounts. On XX/XX/XXXX, around XXXX XXXX after they had asked me to send the first {$500.00} to XXXX XXXX who they called a vendor and he was supposed to then buy my equipment and install the software. Before I acted on this I called my bank BEFORE I did anything and talked to an agent in the fraud department and told him that I had made two large deposits and that I needed to make a payment on them and wanted to check and make sure the money was actually in the bank. He assured me it was. I even asked him more than once to make sure he understood what I was asking and again he assured me that the money was there. If at any time he would have said something like mam the funds for this are in but they are actually not in until the check clears I would have never ever made a payment on that money! I was nervous because it was a lot of money to me and I didnt want to be responsible for it if something happened. Little did I know what I know now and I am physically sick about being involved in something like this!
After I was assured the money was there I then made 3 XXXX payments to XXXX XXXX. One of them didnt go through so they told me to use a different vendor and so I did. In total I made 3 payments of {$500.00}, {$500.00} and {$500.00}.
On XX/XX/XXXX, my accounts were frozen and I called into my bank immediately. They transferred me to someone in Fraud and I had a very upsetting conversation with an agent who was very curt and abrasive and accusatory with me. I was practically in tears at the end when he finally decided he would file my claims. After going over everything in my head for a couple of hours I called the bank back to see if I could give them some more information on what had happened to me. I was told by a much more compassionate agent that I should put it all in an email. So that is why I am writing to you today.
I have been an outstanding customer with cap one for over 20 years and over that time have struggled to regain my independence financially from a divorce and also have strived to have a solid and high credit score which I now have. I have always been safe and I truly believed this was a real online company.
I also believed that I had done my due diligence by looking up the company on the internet and reading several positive reviews about their work from home program. I also looked them up in the scam section of the XXXX XXXX XXXX and they were not listed. I searched a lot of sites and couldnt find anywhere where this company was fraudulent or a scam.
I am truly sorry for being so stupid and falling for this scam. I did not mean to do anything illegal and was just trying to do what I was told for this great work from home job that I thought could help me put my daughter through college. I am devastated in the outcome and so incredibly ashamed and embarrassed.
I want to do all I can to help you expose this so that other people just like me and especially women will not fall victim to this again. I ask for your compassion on granting my claims and for you to consider my long time good standing with your bank.
Again I am truly sorry and it was never my intention at any point to be involved in a scam of any sort. Please, if there are any further questions or ways I can help bring this horrible group to justice please let me know.
Sincerely, XXXX XXXX XXXX
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11/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. Capital One Bank ( USA ) XXXX XXXX & {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
I have been trying with little success to resolve issues with my Capital One credit card account since XX/XX/XXXX, but to no avail.
Last fall, suddenly I was unable to make payments on my account through Capital Ones online payment portal. I had been making my payments that way for a long time, but the account simply disappeared. I called the number listed on the website, and was told that nobody could talk to me, because it was not my account. I do not know why anybody thought that. I actually needed my wifes permission to talk to anybody at Capital One, which is absurd.
After more than an hour on the telephone, I was told that the matter could not be resolved and that the case would be elevated. A week or so later, I received an email telling me that the matter was resolved and that I could use the online payment portal. It still did not work.
I could no longer make payments online, and Capital One was not sending me billing statements, despite my many efforts with Capital One to resolve this matter. Furthermore, despite Capital One knowing that I did not have access to the online payment portal, Capital One did not mail me a billing statement.
I wrote to Capital One on XX/XX/XXXX, detailing the many efforts I went through to resolve this matter.
Unfortunately, Capital One had still not restored my ability to make payments, instead sending me a form letter explaining why I might not have received a billing statement. I also received another letter confirming that the entries on my credit report are accurate. Those entries imply show that my payments wee missing. However, that letter fails to acknowledge that I had no way of making the payments, and that it was the fault of XXXX XXXX online portal.
I again wrote on XX/XX/XXXX, asking that somebody respond to the particulars of my letter of XX/XX/XXXX. I have enclosed a copy of that letter too. My response to that letter was the same as before. So I wrote again on XX/XX/XXXX.
In my XX/XX/XXXX, letter, I mentioned once more my inability to access the online payment portal, and I mentioned that you still have not sent me a current billing statement, which would be necessary for me to make a payment by mail. In good faith, I included a check for a payment in the amount that would have been higher than the regular minimum payment before this trouble started. That check was not credited to my account until nearly a month later.
On XX/XX/XXXX, I wrote a fourth letter to Capital One expressing my frustration that I still was not receiving regular billing statements and that I was still being denied access to the online payment portal. I also mentioned that this issue was damaging my credit record. Again, I sent a check as mentioned before, which again was not credited to my account for nearly a month. By this time, Capital One was showing my account on my credit report as more than 120 days past due.
Finally, on XX/XX/XXXX, I received a letter from Capital One ( dated XX/XX/XXXX ) stating simply We are unable to fulfill your request through written correspondence. On XX/XX/XXXX, I called the number on the letter and spoke to several people for well over an hour. The first person to help me referred me to your technical department who was unable to resolve the issue of my being denied access to the online payment portal. Again, this matter was escalated XXXX case ID # XXXX XXXX. Finally, the issue with accessing the online payment portal was resolved on XX/XX/XXXX, more than XXXX months after I began this ordeal.
After speaking with your technical department, I was referred back to customer service where I discussed the issue with the late payments on my account and its affect on my credit rating XXXX case # XXXX XXXX. The woman with whom I spoke said that I would need to write to you to resolve the credit report problems, but she could help me set up a plan to resolve the unpaid balance on my account. She said that if I were to make a payment of {$100.00} before XX/XX/XXXX, my account would be marked current. I wrote a check for {$120.00} XXXX # XXXX ) and mailed it on XX/XX/XXXX ). You credited my account for that payment on XX/XX/XXXX.
All that remains is the damage that was done to my credit report from what I have explained in this and the enclosed letters. As you can see, I have been diligent in trying to resolve this matter and it was not my fault that my payments were delayed. I have been working in good faith, and I hope that Capital One can also exercise some good faith in this matter and remove the derogatory information from my credit report. This is the only account that shows any delinquency, and it is really hurting my credit.
On XX/XX/XXXX, I wrote a letter to the Credit Bureau Disputes office of Capital One as suggested by the woman with whom I spoke mentioned above. Again, Capital One was non responsive to the particulars of my complaint and sent me another letter on XX/XX/XXXX, which indicated once again that I would be unable to resolve this matter by written correspondence and that I would need to call. On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX, indicating that they researched my account and that they had " confirmed that the late payments we are reporting are accurate. '' The response I received from Capital One from nearly all of my correspondence has been non-reponsive.
Another point I made in my letter of XX/XX/XXXX, was that Capital One was reporting the delinquency on my wife 's credit report, despite the fact that she was not an account holder on that account. I asked that the derogatory information be removed from my wife 's credit report. They did not respond, and it still shows as my wife having late payments in excess of 120 days. It should show nothing on her account, because it is not a joint account.
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12/17/2018 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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|
Web |
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I opened a 360 Money Market account with Capital One through their website on XXXX XX/XX/XXXX. At the time I opened the account, I enrolled in a {$500.00} bonus promotion using offer code XXXX, the terms of which were clearly listed on the web page through which I applied for the account. I took electronic screen shots of all promotional terms that were provided, and I am attaching these screen shots to my complaint. On the screen advertising the {$500.00} bonus, the following terms appeared under the heading : Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account.
Under another heading, When will I actually get my bonus? The following language appeared : Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus.
Knowing that I did not have {$50000.00} to deposit in one lump sum, I reached out to a Capital One representative, XXXX, via online chat, to verify that I could qualify for the promotion. I asked XXXX specifically if the {$50000.00} had to come in one lump sum, or if I could qualify by making multiple smaller deposits totaling {$50000.00} or more. XXXX said I should qualify for the bonus as long as I deposited {$50000.00} by XX/XX/XXXX and she referred me back to the promotional terms above. Please note that these terms referenced deposits in the plural, indicating pretty clearly that multiple deposits were permissible.
As I navigated through the process of opening the account, additional promotional terms appeared on subsequent pages, and I took screenshots of this language as well. The wording of this language was slightly different in some instances from that which appeared on the main promotion page. These differences were minor however, and there was nothing displayed about requiring a lump sum or maintaining a certain balance in order to earn the bonus. I have attached screen shots of these terms to my complaint as well.
Between XXXX XXXX and XXXX XX/XX/XXXX I made deposits to the Capital One account from outside bank accounts totaling {$50000.00}. The terms I received stated that it could take up to 60 days for the bonus to post, so I waited until XX/XX/XXXX ( ~48 days ) before contacting Capital One.
On XX/XX/XXXX, I contacted Capital One to ask why I had not received the bonus. I spoke with XXXX, via online chat, and XXXX, by telephone. Both identified themselves as Capital One supervisors.
XXXX told me that my account was ineligible for the bonus I was promised, because the intent of the offer is for net deposits of {$50000.00} or more, not cumulative. I explained to XXXX that I was told at the time I opened the account that cumulative deposits would be fine. He offered to forward the matter to Capital Ones Escalations team, and I accepted his offer.
I then spoke to XXXX, a telephone representative, who passed me along to XXXX, a supervisor. XXXX reiterated that according to Capital One I did not qualify for the {$500.00} bonus. She told me that the terms of the offer required me either to make a lump-sum deposit of {$50000.00} or maintain a balance of {$50000.00}. She quoted me specific language to this effect that she said was included in the terms of the promotion. I can not reproduce this language exactly here because I have not been able to find it written anywhere. XXXX read it to me several times, however, and I noted that her language contains phrases such as " must maintain a balance '' and terms such as " cycling deposits '' that certainly did not appearing the original promotional terms with which I was provided when I opened the account. I asked XXXX if she could supply me with a written copy of what she was reading and she declined. XXXX did offer to compensate me with a bonus of {$100.00} dollars as a good-will gesture. I politely said declined this offer, explaining that I would not feel right accepting less than what I was promised.
Im not sure if XXXX and I were referencing the same promotional offer, since the terms she quoted contained additional language that was not present in the offer to which I responded in XXXX. That offer expired on XX/XX/XXXX and has since been removed from the Capital One website, so I could not independently verify whether the terms have been changed since I enrolled. XXXX insisted, however, that the terms she quoted were attached to offer code XXXX. Since that matches the code I was given when I applied for the account, I have to suspect that Capital One has revised the terms of the offer after the fact, adding language disallowing cumulative deposits and requiring customers to maintain a {$50000.00} balance so as to avoid having to pay the bonus in circumstances such as mine. Based on what XXXX told me, it seems clear that Capital Ones intent was not for customers to earn the bonus in the manner that I did. This intent was not communicated to me, however, until after I had opened the account and deposited my money. Attempting to deny me the promotional bonus after leading me to believe I would be eligible strikes me as a serious breach of trust between the bank and the consumer.
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11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dispute Template for CFPB : RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$450.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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11/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX XXXX business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items XXXX Notice to Furnishers XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. & {$650.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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05/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I made my first call to XXXX on XX/XX/XXXX after I discovered the following unauthorized charges on my account XX/XX/XXXX for {$5.00} XX/XX/XXXX for {$14.00} and {$.00}.
XXXX reversed these charges on XX/XX/XXXX, as can be reference with XXXX Confirmation # XXXX & XXXX. XXXX determined that the unauthorized charges originated from the email address XXXX.
I made my second call to XXXX after a new unauthorized charge was made against my account for {$9.00} on XX/XX/XXXX. XXXX again reversed the charge on XX/XX/XXXX and suggested calling Capital One to freeze all future charges from XXXX. This can be referenced with XXXX Confirmation # XXXX. The entirety of the phone call was transcribed and emailed to me by XXXX.
The same day ( XX/XX/XXXX ) I called Capital One at which time the representative with whom I spoke confirmed that additional XXXX charges were being allowed. I spoke to XXXX and given a fax number XXXX to send any/all fraud info for my case. Upon my request for documentation for the fraud, Capital One redirected me back to XXXX and stated this wasnt their issue to resolve. At this time there was no additional action by Capital One.
Due to an unfortunate string of events and a severe misunderstanding on XX/XX/XXXX, I was taken into custody by the XXXX/XXXX PD. I was later released from their custody on XX/XX/XXXX at approximately XXXXXXXX XXXXXXXX PST. Upon turning on my phone I received roughly several Fraud Alert texts. I immediately responded YES to the texts when prompted to halt any additional purchases at the time, and I have screen shots of those text messages. Without delay, at approximately XXXX XXXXXXXX PST I called Capital One. I froze my debit card but opted not to order a new one since I was in the middle of moving residences. For the record all arrest charges were dropped upon my release. During my time under XXXX/XXXX PD custody, all personal property with the exception of my phone and the clothing I had on were left at my place of residence.
Later that evening ( XX/XX/XXXX ), upon logging in to my Capital One online portal, I discovered the following unauthorized charges totaling {$2400.00}. These charges were during the time I was temporarily incarcerated from XX/XX/XXXX at approximately XXXX XXXX PST to XX/XX/XXXX at approximately XXXX XXXX PST. : XX/XX/XXXX - {$8.00} XXXX XXXX, transaction ID XXXX XX/XX/XXXX - {$53.00} XXXX XXXX, transaction ID XXXX XX/XX/XXXX - {$75.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX - {$300.00} XXXX XXXX ATM - XXXX XXXX XXXX XXXX ( ATM ) - {$3.00} transaction fee for non-company ATM XX/XX/XXXX - {$600.00} XXXX XXXX ATM - XXXX XXXX XXXX XXXX ( ATM ) - {$3.00} transaction fee for non-company ATM XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXXXXXX. Note : I have since spoken with the store manager to which they confirmed the unauthorized purchase was for prepaid VISA cards in {$200.00} increments. The store manager also confirmed that the store has video cameras and the footage is available for review.
XX/XX/XXXX two additional unauthorized charges from XXXX XXXX XXXX, both for {$9.00} resulting from calls I personal made while incarcerated. The calls are recorded calls which will verify that I was not present at the time when all unauthorized charges were made.
XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XXXX, XXXX XXXX - {$4.00} transaction fee for non-company ATM. After researching this withdrawal I discovered it was made at XXXX XXXX. I spoke to XXXX, the head of security, on XX/XX/XXXX at XXXX. He explained there are approximately 14-18 ATMs and that they have full access to cameras where footage can be extracted and reviewed to determine who made the unauthorized ATM transactions. XXXX requested additional transaction details so that an effort can be made to narrow down the exact ATM from which the funds were withdrawn.
On XX/XX/XXXX, upon following up on next steps for resolving the fraudulent charges on my account, I was told by a Capital One customer service supervisor that the Fraud Alert Notifications are ONLY a notice of precaution, they do not actually confirm that fraud has been committed regardless of the fact that I responded to the fraud alert text which clearly recognized that the purchases were out of the ordinary for my account.
In an effort to seek resolution for the fraud on my account, and in response for Capital One refusing to resolve this matter, I filed a claim with CFPB on XX/XX/XXXX.Capital One denied my claim again despite the information I provided including a police report number I filed which shows my intent to press charges against the individual ( s ) responsible for illegally obtaining my ATM card and making unauthorized purchases. I requested to speak to a supervisor but my request was denied. I was told they are busy but relayed info to me through the customer service rep that they were escalating to the BEST team which handles these cases.
I have called XXXX with Capital One ( XXXX ext XXXX ) who denied by claim again via written correspondence to the CFPB claim on the following days : XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX PST XX/XX/XXXX at XXXX PST These denials contain no specific details as to why my claim is being denied. I have proof that I could not have been in possession of my debit card to make the purchases listed above. I have left several extremely detailed messages in regards to both her CFPB response and my original claim.
At this time I feel I have no other option but to file an appeal with the CFPB, and file secondary claims with the FTC, OCC, and the XXXX. I wish to resolve this matter amicably and without further legal assistance. However, I am left with little to no option.
|
02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
I am writing to dispute the following information on my credit report. I have a Kohls 60 day late reported as of XX/XX/2020. This sixty day late payment disputed by Kohls Department Store, is inaccurate because Kohls did not properly notify me that my online payment made on XX/XX/XXXX failed to post. Quite the contrary I received a payment confirmation email instead.
On XX/XX/XXXX, I made an online payment for my full account balance of {$130.00}. Unfortunately, I accidentally used a joint bank account number that my ex-husband had recently closed due to our divorce. I did not realize the error until later. On the same day ( XX/XX/XXXX ), I received a Payment Confirmation email from Kohls with a confirmation number that payment was received ( see attached ). At this point I assumed my Kohls account was paid in full and in good standing.
On, XX/XX/XXXX and XX/XX/XXXX I received emails ( see attached ) stating that I missed a recent payment of {$27.00}. I did not react to those emails because I knew I had paid my balance in full. Also, the emails stated that if I had made a recent payment for the total amount due the I could disregard the email reminder.
On XX/XX/XXXX I received a Kohls Charge Statement and Annual Privacy Notice email ( see attached ). I didnt immediately open the email assuming that, again, my account was paid in full and this email discussing updated changes in their privacy policies.
However, on XX/XX/XXXX I received a Payment Reminder email that now claimed I owed {$57.00}. I began to feel something was wrong. I opened my online Kohls charge account and saw to my shock that my payment made on XX/XX/XXXX obviously did not post.
I called Kohls immediately on XX/XX/XXXX and paid my balance in full. I discovered at the time that I was now 61 days late and that Kohls would report me as such to the credit bureaus. I was not happy and hoped that this one late payment wouldnt be too detrimental to my credit score. However, on XX/XX/XXXX I pulled my credit score and it had dropped from XXXX to XXXX!! 130 points!! I was now upset that Kohls hadnt sent a notification that my payment of {$130.00} was rejected.
On XX/XX/XXXX I received a letter that was dated XX/XX/XXXX that my {$130.00} payment had never been received and it had now gone into collections. Again, I did not receive this letter until XX/XX/XXXX. Unfortunately, I misplaced this original collection letter. So, I tried to get Kohls to send me another copy for my files. I have spent many hours on the phone and have been told many conflicting things.
On XX/XX/XXXX I was told that the letter would arrive within 7-10 business days. I waited until XX/XX/XXXX and called. They said the letter was sent. So, I asked them to fax it immediately instead insisting I needed it as documentation proof for my credit bureau disputes. Finally, on XX/XX/XXXX a Collections Supervisor said she would authorize the letter to be faxed and if I called back with the fax number it would be sent.
I called Kohls the following day on XX/XX/XXXX and gave them a number to a XXXX XXXX XXXX. They told me it could take 48 hrs before I receive my fax.
On XX/XX/XXXX I went to the XXXX office. Kohls had sent an entirely different letter dated XX/XX/XXXX claiming my account was in good standing. I immediately called Kohls and told them this was not the letter that I wanted or was promised to receive. So, the new Collections Supervisor ( 2nd one ) said he couldnt understand why the correct letter wasnt sent as it was clearly marked as the one to send within my file. This supervisor sent an escalated email and said that someone would contact me.
Two days later on XX/XX/XXXX I contacted Kohls. At that point I was told by a new Collections Supervisor XXXX ( 3rd one ) that Kohls never sent me the Collections letter as they said they would on XX/XX/XXXX. She also said that as she used to work in that department that I would never be able to receive that letter again. They were not going to let me have it. If I misplaced it, then it was too bad. It was even stated in my file on XX/XX/XXXX that the letter was never sent. I was flabbergasted and beyond frustrated. That letter was to document that the first I was ever told that my {$130.00} payment failed was on XX/XX/XXXX. However, I suspect that Kohls actually never even sent that letter until I called on XX/XX/XXXX. And my complaint is that if Kohls had sent some type of notification like this sooner, I would have never been 60 days late.
In my 9.5 years history at Kohls I HAVE NEVER made a 60 days late payment. And my overall 30+ years credit history is spotless. My revolving credit cards run in the thousands and I always pay my balances in full at the end of each month. I would never have knowingly allowed this Kohls oversight.
I am a recently divorced mother of XXXX who is legally required to move out of the house and purchase a new home. My credit score is CRUCIAL in this endeavor. To have my score drop from a pristine XXXX to XXXX was next to a disaster! My credit score has improved but not to the XXXX that I had worked so hard for.
On XX/XX/XXXX I sent a goodwill letter to Kohls ( see attached ) explaining what happened asking for them to please apply a goodwill adjustment to my account at the credit reporting agencies. Kohls declined. I am now filing a complaint that Kohls did not provide the PROPER notification concerning a failed payment attempt. I am also claiming that Kohls has not been forthcoming in their dealings with me leading me to believe I would receive documentation they never intended to send me.
Enclosed are copies of the emails sent by Kohls as well as my original Goodwill Letter. I am asking that you please investigate this matter and correct the disputed item as soon as possible.
|
11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Capital One Bank ( USA ) National Association & {$8600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XX/XX/XXXX( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX XXXX XXXX XXXX XXXXXXXX N A bal. {$2300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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12/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX XXXX XXXX XXXX XXXX XXXX, Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK XXXX XXXX XXXX & {$3700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, XXXX XXXX ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX XXXX XXXX XXXX A bal. {$440.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A & {$640.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXXour ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
|
11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and XXXX XXXX XXXX XXXX, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXXXXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : SEC.XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX XXXX XXXX XXXX. & {$4000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Capital One Bank USA NA & BALANCE {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
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05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. CAPITAL ONE Account number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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12/03/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .Capital One XXXX XXXX & {$16000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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12/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & BALANCE {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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08/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , Equifax , and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CAPITAL ONE bal. $ 304.00I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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01/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & BAL. {$710.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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12/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & BAL. {$630.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A. & {$5100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact.
Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - XXXX. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as CAPITAL ONE has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, due to my compromised bank account, I demand a money XXXX XXXX in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) in order to verify what has occurred with this account ending with account number - XXXX for CAPITAL ONE to come back and say I owe any such alleged debt. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the CAPITAL ONE is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by CAPITAL ONE and CAPITAL ONE would be liable for creating a false and deceptive form under 15 U.S.Code 1692j. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand an insurance audit trail in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) to verify proof of the insurance or proof of any claims associated with this account ending with account number XXXX. Without this I can not verify, and there can not be any valid claims of alleged insurance of any loan on the alleged debts owed in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that CAPITAL ONE is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that CAPITAL ONE is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce.
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06/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I was originally scheduled to stay at XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX for my honeymoon with my wife in XXXX XXXX XXXX. These bookings were made on Capital One travel. On XX/XX/XXXX we drove to XXXX XXXX and when we got there we were told that all bookings were cancelled weeks ago and refunded due to a sewage issue. I never received any email or refund for the room beforehand. Capital One never informed me or refunded me for this reservation beforehand.
We drove hours out of our way only to find out that the only open rooms were at the XXXX XXXX XXXX, which was another 2 hours on the other side of the park. The woman at the XXXX XXXX XXXX XXXX check in desk was a XXXX female in her late twenties who told me that they would write in a note to XXXX, since I booked through them, to refund me for the XXXX XXXX XXXX reservation and for the original XXXX XXXX XXXX reservation. I wasn't able to check into my original XXXX XXXX XXXX room since that wing wasn't open for the season until XX/XX/XXXX. I was told they would book me for 4 nights in room XXXX at the XXXX XXXX XXXX so that I wouldn't be inconvenienced further by having to move rooms. I was assured I would be refunded for both my original reservations and told to call Capital One Travel. This conversation with hotel staff was around XXXX XXXX.
I spoke with Capital One Travel at XXXX MST and the male agent reassured me I would be refunded for both bookings after I told him what happened and it would be in my account by Monday XX/XX/XXXX.
We had to check in at the XXXX XXXX XXXX XXXX and I again spoke to the staff there about this issue and they again assured me that I would be refunded for the original 2 bookings. I spoke to a short haired woman and an older woman with glasses who was originally from Florida and they both said I would be refunded for those original bookings since I paid {$1600.00} for this new 4 night stay in room XXXX. This conversation was during my check in XXXX MST.
I spoke to another older woman on XX/XX/XXXX at XXXX XXXX XXXX XXXX check in desk for reassurance. She took a XXXX of her computer screen on my phone behind check in to show the note she left for XXXX to refund me for the XXXX bookings just in case there was any issue.
My wife and I spent XXXX to XXXX at XXXX XXXX XXXX XXXX, in the room we were told would replace the previous 2 bookings I had made due to the inconvenience. I checked in on this issue multiple days, with multiple staff members and was assured multiple times there would be no issue. The note was created on XX/XX/XXXX at XXXX MST. XXXX was taken at XXXX XX/XX/XXXX. It reads " Guest is staying in XXXX checking in XXXX checking out on XXXX. Please refund XXXX reservation due to miscommunication in XXXX closing - XXXX '' I have spoken to XXXX, XXXX customer service, and Capital One Travel multiple times. I had to pursue and call 3 times over 3 weeks before I got the refund for my XXXX XXXX reservation. I still have not received my {$790.00} refund for my original XXXX XXXX XXXX reservation despite their staff and Capital One assuring me I would. I spoke to Capital One Travel on XX/XX/XXXX XXXX EST for an hour and 9 minutes. The female agent told me that the hotel staff saw the note left and agreed to refund me my {$790.00}. She said to call back Wednesday XXXX for their accounts to process it.
I called back today at XXXX EST and another female agent told me that my refund was denied again. The agent was very rude and completely dismissed the fact that I had been on the phone for over an hour last Saturday and that they had approved my refund then. I have spoken to Capital One Travel on the phone multiple times on the phone since my stay back in XXXX. Each time they have started by telling me I wasn't eligible for a refund despite the fact that I never checked in or stayed at that original reservation, the fact that I was assured I would be refunded for that initial {$790.00} by both XXXX staff and Capital One, and the fact that they just told me I was approved for the refund due to them seeing the note left in XXXX XXXX XXXX XXXX system and the XXXX I have.
Every time I speak to Capital One they keep me on hold for hours and try to tell me that my reasoning wasn't clear or make up some other reason for why I am not eligible, but then when I tell them that I was assured by their staff and by XXXXXXXX XXXX staff and that I have proof on my phone of the note they tell me I am eligible for a refund, but I need to call back in a few days. I call back and they tell me that I am not eligible all over again. All of the calls should be recorded so they should be able to go back and listen to them when I was told I would be refunded on XX/XX/XXXX XXXX EST. They said their hotel partner sent over the paperwork to be signed off on, but now they tell me I am not being refunded.
This entire experience has been horrible for me and my family. This was my wife and I 's first honeymoon and we have had this entire ordeal drawn out by Capital One Travel. There has been so much deception on their end and it has caused a great deal of XXXX on my family. I literally had a XXXX XXXX on the phone today while the agent was talking to me as if I was lying and demanding I give her names of employees despite me telling her the employee 's ID and code on the XXXX of the note. I have never dealt with such dishonesty in my life from a company.
I hope that this report can do some good and help others who may be taken advantage of. I hope that I can get the {$790.00} refunded back to my account and I can finally put this behind me.
I spoke to their XXXX XXXX XXXX number on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
|
11/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE AUTO FINAN bal. {$6500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N A & {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & BAL. {$540.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A & {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A. & {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NATION bal. {$340.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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12/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A XXXX {$4300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Capital One Bank USA NA & {$630.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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10/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact.
Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - XXXX. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ) .Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as CAPITAL ONE has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) in order to verify what has occurred with this account ending with account number - XXXX for CAPITAL ONE to come back and say I owe any such alleged debt. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the CAPITAL ONE is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by CAPITAL ONE and CAPITAL ONE would be liable for creating a false and deceptive form under XXXX XXXX XXXX. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand an insurance XXXX XXXX in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) to verify proof of the insurance or proof of any claims associated with this account ending with account number XXXX. Without this I can not verify, and there can not be any valid claims of alleged insurance of any loan on the alleged debts owed in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that CAPITAL ONE is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that CAPITAL ONE is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce.
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10/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 08 CAPITAL ONE BANK USA N A bal. {$150.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A. & {$450.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 08 CAPITAL ONE BANK USA N A bal. {$150.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, XXXX I purchased online XXXX round trip airline tickets from XXXX to XXXX Colorado for an upcoming family vacation in XXXX of XXXX.
Departing Flight # XXXX XXXX, Returning Flight # XXXX XXXX My trip confirmation number XXXX I paid {$1200.00} charged to my Capital One credit card which is shown on the enclosed card statement and on my Capital One account ending in # XXXX.
On XXXX XXXX, XXXX I accessed XXXX 's online travel site to purchase baggage allowances and seat assignments for our trip. On the " my trips '' section of the website I noticed all of the choices for my reservation were " whited out '' not allowing me to make any selections. When I called XXXX customer service directly I was told that my reservation had been cancelled on the same day of purchase and a refund had been made to my credit card. All of this information was a complete shock to me as I nor anyone in my party had cancelled this reservation. I became extremely upset when the airline representative said there was nothing more she could do to help me. I simply no longer had a reservation for this flight and by their records my refund had already been processed.
In response to this information I checked my credit card statement for the past month and confirmed that I had not received a refund for this cancelled flight. I next called Capital One 's fraud department to file a complaint. XXXX, the credit card agent corroborated the details of my story in so much as verifying that a refund from XXXX XXXX had not been credited to my account. She then called XXXX herself and solicited a refund reference number ( XXXX ) from the XXXX agent. XXXX credited my account and gave me further instructions to keep my documentation available for XXXX days.
I thought this matter had been resolved when I noted that on XXXX XXXX the {$1200.00} charge had once again been rebilled to my account from XXXX.
On XXXX/XXXX/XXXX I called and spoke to a Capital One agent who gave his name as XXXX. We proceeded to have a three-way call with XXXX. XXXX and I explained the situation to XXXX and then to her XXXX named XXXX. Apparently, XXXX 's records only show that my reservation was approved on and refunded to a credit card ending in # XXXX both on XXXX XXXX. We repeatedly stated to them that this card did not belong to me. The original charge from XXXX XXXX and the rebill on XXXX XXXX were showing up on my Capital One account ( ending in XXXX ) but I had not received any form of refund for the cancelled flight.
XXXX nor XXXX said they could help me and transferred the call to XXXX 's " XXXX XXXX Department '' where we spoke to an agent named XXXX. XXXX stated that " he could not understand how this happened '' and he has " never seen a case like this ''. Because he could not see my valid credit card information ( card ending in XXXX XXXX in their system he could not refund this charge. He also could not conduct an investigation as " this was not his department. '' He also stated that they " do not do e-mails '' so I could not even send him proof of the charges on my Capital One account. He instructed us that the best course of action would be for Capital One to file a charge back with XXXX once again.
I had already spent nearly XXXX hours on the phone that evening. XXXX stated that a refund would be issued to my account, the case would be sent along to Capital One 's Fraud Department and I would receive a call with an update within XXXX hours.
XXXX As of this evening I have not received a call back from Capital One 's Fraud Department nor have I received a refund on my account for the {$1200.00} recharge from XXXX.
I spent another XXXX hours on the phone with XXXX reiterating my story. As instructed I am providing this updated version of this ongoing dispute.
I certify that I nor anyone in my family cancelled the above referenced flight nor do we have a valid reservation for an upcoming flight on XXXX XXXX regarding the charge of {$1200.00}. I have repeatedly asked XXXX to send me a " reservation cancellation letter '' and they repeatedly send me the same reservation charge and refund receipt ( a copy of which is enclosed ). XXXX of your agents, XXXX and XXXX, confirmed during XXXX-way calls with XXXX XXXX that my flight reservation has indeed been cancelled. These calls and this information should already be clearly documented in my case file. I nor anyone in my family authorized XXXX XXXX to refund the original charge to a credit card that does not belong to me ending with the numbers XXXX.
XXXX I used the Capital One secure document uploading link sent to me to provide all the documents that Capital One requesting including an updated letter of events, receipts and card statements.
XXXX Heard nothing for a week and Capital One has not placed a charge back on my account to XXXX Capital One again and spoke to XXXX in the disputes department. He did not even read my file and asked if I had sent in all the documents they have requested. When I replied that I had on the XXXX, he put me on hold, came back several minutes later and confirmed they have received all the requested documents. He said " there is nothing I can do about it at this time as I am not the agent working on your case ''. I then asked for the agent 's name who is working on my case and when I could speak to her. He stated that XXXX was not available and that he would send her an email message and " she will get back to you ''.
I have been fighting this charge for over XXXX months now. XXXX does not want to take responsibility for the fraudulent activity that occurred on their reservation website and Capital One is not protecting me. I have no plane tickets and have been charged {$1200.00} for a service that I did not receive. PLEASE HELP!
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12/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$750.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A & {$490.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX Iowa XXXX
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11/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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The original homeowner is my husband is XXXX for well over a year. He XXXX prematurely and big part of it was a result of the XXXX and XXXX of this property that he tried to get rid of through a short sale for over 10 years. His estate is insolvent.
The current loan servicer, Capital One is disingenuous and deceiptful in its business practices. Capital One insisted that the property be listed with XXXX which in turn stated that the property must be listed on the online auction site XXXX.
The property was listed in XX/XX/XXXX. There was a winning XXXX bid of {$310000.00} in late XX/XX/XXXX. XXXX said that the property had to be relisted. The property was relisted in XX/XX/XXXX and there was a winning bid of {$330000.00}.
The title report revealed my husband had judgments of around $ 24k in XX/XX/XXXX. We forwarded the payoff judgments in XX/XX/XXXX and requested to close on the property after submitting a XXXX statement with a net pay off of around {$280000.00} ( Deducting for the judgments owed by my husband and real estate commissions ) This property has toxic black mold as was confirmed by the XXXX XXXX XXXX XXXX XXXX and by the inspector. Delaying the file only means that the house is less valuable because the mold is spreading.
Capital One is now insisting to be paid $ XXXX which does not pay the transfer tax, the real estate commission and attorney fees as well as the judgments. We know that this is unfair. My XXXX XXXX and my health is declining as a result of the XXXX.
Homeowner is XXXX and his estate is insolvent. The bank knows this information and his judgments were provided for in the title report.
1. Winning bid is $ XXXX 2. Real estate commission, attorney fees, and judgments should be paid by the lender since the homeowner is XXXX and his estate is insolvent.
3. The property is declining in value because it has a black mole problem.
4. Capital One Short Sale Department is requesting {$320000.00} knowing that the XXXX estate is insolvent and has judgment liens of {$24000.00} that must be paid.
All documents including the financial worksheet, 3rd party authorization, short sale package, XXXX XXXX agreement, offer and binder for sale of the property were provided. Capital One Short Sale Department was contacted on XX/XX/XXXX ( fax listing agent, 3rd party authorization ) XX/XX/XXXX ( XXXX XXXX and shortsale package by email ), XX/XX/XXXX ( called ), XX/XX/XXXX, XX/XX/XXXX ( XXXX Capital One, and XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ,XX/XX/XXXX sent the graceful exit forms ( XXXX ), XX/XX/XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ) credit authorization form sent and completed all documentation for XXXX and XXXX the third party providers of Capital One and they stated that they were going to list and auction the property, XX/XX/XXXX Listing addendum sent, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX and XXXX ) ,XX/XX/XXXX changed locks because of breaking into the home and police called, reported to Capital One, XX/XX/XXXX ( XXXX ) home declared noninhabitable by XXXX XXXX XXXX letter sent to Capital One, XX/XX/XXXX spoke with XXXX of Capital One , XX/XX/XXXX locksmith contacted because the Capital One Third party provider changed locks and removed the padlock installed by the Town of XXXX. XXXX/XXXX/XXXX Contacted home preservation department and spoke with XXXX to cease and desist entry into the property. XXXX/XXXX/XXXX Capital One grants conditional approval letter on XXXX XXXX, XXXX stated XXXX and that the file was with XXXX the shortsale underwriter. XXXX/XXXX/XXXX Appraisal of the property delivered to Capital One and it is reported that within 7 days that XXXX would list the property and that if the auction bid was completed the property would be sold. XXXX has delayed the listing after receiving all documents and over two weeks have elapsed without any listing. XXXX ( XXXX XXXX account manager ) and XXXX refused to accept the XXXX XXXX with photos and continuously finds excuses to reject the documents and photos such as every picture should have a detailed description which is not a condition of Capital One Short sales department. Capital One Short Sale Department assured us that we would be able to complete the process within 7 days with their third party provider and be able to move on with the sale of the property. There is no obligation or written agreement that the homeowner provide 15 photos of the home in order to complete the shortsale especially when the bank performed a BPO and has all the pictures of the home that they need that they can provide to XXXX and XXXX. They have not acted in good faith and continue to find ways to delay the process.For over four months XXXX failed to list the property and requested documents again and Capital One allowed them to delay our shortsale. I am tired and very frustrated and in desperate need of government intervention as they abused their authority and made things entirely difficult to shortsale the property. They have put me through four years of misery.
I am seeking to be able to sell our property within 30 days with our buyer that has agreed to purchase the property. I had a conditional approval in XX/XX/XXXX and we need the final approval from the shortsale department without any further delays. It is now XX/XX/XXXX. Capital One has the appraisal report and refused to allow us to sell the property after giving us a conditional approval. We should not have to be subject to further delays by XXXX which clearly delayed our sale without justification and they are not our lender. The account representative XXXX has been uncooperative and not helpful at all. The bank does not even send written notices about the rejection everything is done through the third party XXXX.
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11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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XXXX XXXX, I purchase a vehicle, XXXX XXXX XXXX, from XXXX XXXX XXXX, XXXX, XXXX Dealership in XXXX XXXX, Georgia. I test drove and worked perfectly fine. Snagged a deal with an inclusive warranty for around {$14000.00} all in. I was assured the vehicle was a certified pre-owned in great condition. ( The car was in the back lot when I came to test drive, red flag number one ). I left dealership the same day with the vehicle and the car broke down mid way into the city on the middle of the highway, the vehicle literally stopped and there was no power steering and the wheel started to tighten. Luckily, I was able to make it off the highway on to an exit ramp in XXXX XXXX. The dealer assumed responsibility, told me the alternator needed to be replaced and then I was given the same vehicle again the next day after being given a loaner for that day. May I remind you this all happened within the first hour of me leaving the lot with the vehicle. I kept the vehicle for about a month, and refrained from driving too much because I did not want to put too many miles on it. Within a few week time frame, I was back at the dealership to use the warranty about 4 more times due to the check engine light constantly coming on, different warning symbols and an inspection that was supposed to be done. One of the times I took the vehicle back, the service department told me I would have to pay out of pocket and I had to argue them that I literally just bought the vehicle with the warranty and it be impossible that logically to make sense. 30 days had not pass yet.
XXXX XXXX, I contacted Dealership. Explained situation to a salesperson salesperson said nothing they could do, asked to talked to supervisor, individual hung up phone. This same day I contacted the bank I took the loan out with, Capital One, and I spoke with a individual by the name of XXXX, she documented by issues with the vehicle I was having, also stating Capital One has an agreement with their trusted dealers ( since I was financed through Capital one, I went through one of their trusted dealers ) would speak with the dealership.
About a week from then, I returned several times with the same issue each time. Of those times, I experience longer than usual wait times due to the fact that I had an issue rather than coming in as a buyer, I did not speak much of it while in the establishment, but I definitely was placed on the back-burner for at-least an excess of 40 mins.
I went back into the dealership in an attempt to swap out the vehicle because the dealer knew my situation, I settled on a XXXX XXXX XXXX, that I seen online came to the lot and test drove. The Finance Manager, agreed to buy my vehicle back so I can in terms, get the new vehicle without the balance rolling over. I signed the documents stating they would buy the vehicle back. I left the vehicle on their lot with the keys after signing the documents but, Now it is XXXX XXXX and I have a repo loan from Capital One bank in my name because the dealership did not hold up their end of the deal and send Capital One back their money after they nullified the old loan. I 'm out of a vehicle because of this situation and they refuse to send CapOne back their money.
I never made any loan payments on the old vehicle because the loan was supposed to be voided due to the situation. I was going to buy a new vehicle but I was never allowed to get any of the vehicles I wanted to get, I was forced to come look at XXXX XXXX and etc., and did not want any of those vehicles. Leading me to tell them send the money back, I would not like any of those.
I spoke with XXXX XXXX from the dealership, he was the original dealer who sold me the vehicle, around XXXX XXXX about this exact situation and he told me he would get back to me and I have not heard anything from this dealership. He also asked was I making payments on the vehicle because I still owe for it, and I had to literally explain to him that I sat in the office with their own finance manager where he made me sign the documents stating they would buy the vehicle back and that I do not have ownership over the loan for the XXXX anymore. Overall, this is one of the worse experiences I ever had with a so-called reputable dealer, and I will take this issue to court for negligence if I have to. From the horrific incident that could have happened on the highway due to them " forgetting to install a new alternator '' down to them not sending the bank back their money for a vehicle they current possess at the moment is down right disgusting.
It 's the end of the year and i 'm back in the position I currently was in, without a vehicle and I can not even attempt to get a new vehicle because XXXX XXXX XXXX is purposely ruining my credit and my relationship with the bank. Not to mention they ran my credit almost 14 times, 7 times the first time I went into get the XXXX XXXX and 7 more times through the same banks for the XXXX XXXX.
Furthermore, the whole ordeal has been long-winded and frustrating having to explain to Capital One the entire situation and having them work with me with no compliance from XXXX XXXX made my first car-buying experience probably one of the worst but at this point I would just like for them to compromise so we can both part ways with this situation completely mediated.
As far as documentation goes, the company should have all the documents, If any extra information is needed I would be glad to provide it. As I stated before, the main document pertaining to this situation is that the Finance Manager and I both signed the form indicating that the vehicle was changing hands from myself, back to XXXX XXXX, herby declaring that I was no longer responsible for the car and that the {$14000.00} would go back to the bank.
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12/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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12/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE & {$7500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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10/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 08 CAPITAL ONE BANK USA N A bal. {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$430.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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05/12/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Hello, On XX/XX/2021 I realized that my personal and business checking account had been hit with numerous unauthorized and fraudulent transactions via my debit card. The account showed charges from various companies in XXXX but not much else could be ascertained from the information posted to the account.
On XX/XX/2021 I submitted claim ending in XXXX on the personal account ending in XXXX in the amount of {$33000.00}.
Having to wait for more transaction to post I submitted the following claims.
On XX/XX/2021 I submitted claim ending in XXXX on the personal account ending in XXXX in the amount of {$4700.00}.
On XX/XX/2021 I submitted claim ending in XXXX on my business account ending in XXXX in the amount of {$4900.00}.
On XX/XX/2021 I submitted claim ending in XXXX on the personal account ending in XXXX in the amount of {$6900.00}.
All the claims above had fraudulent and unauthorized debit card transactions from XXXX.
On Wednesday, XX/XX/2021 I reached out to Capital One by phone to inquire on the status of the disputes and I was told they're pending. I advised the customer service rep that due to the fact that these claims are so large and the amount of money that was taken out of my account I can no longer keep up with my monthly financial obligations. Credit card bills, rent, loan payments and car payments are starting to bounce and I would appreciate an expeditious review and application of provisional credit. The rep stated that they would put in the request and I should keep checking the account for the credit.
On Friday XX/XX/2021 after seeing no provisional credit on the account I reached out to Capital One for an update. After about 30 minutes on the phone the rep was able to read me some notes on the account vaguely stating that the claims had been denied, to my total shock and dismay I asked for a reason. The rep could not provide me with a specific reason besides that the transactions do not follow a normal fraud pattern. At this time I asked to speak to a supervisor repeatedly and was told a supervisor was not available and that there was nothing more they could do for me on the phone. I was given an email to reach out to, XXXX.
Later that afternoon I emailed this mailbox and asking for a full explanation as to why the claims were denied as per my right under Reg E.
REG E 1005.11 Procedures for resolving errors. ( c ) Time limits and extent of investigation 7. Extent of required investigation. A financial institution complies with its duty to investigate, correct, and report its determination regarding an error described in 1005.11 ( a ) ( 1 ) ( vii ) by transmitting the requested information, clarification, or documentation within the time limits set forth in 1005.11 ( c ). If the institution has provisionally credited the consumer 's account in accordance with 1005.11 ( c ) ( 2 ), it may debit the
amount upon transmitting the requested information, clarification, or documentation.
OFFICIALLY CAPITAL ONE NOTIFIED ME OF THE CLAIM DENIAL ON XX/XX/2021 PER THE CUSTOMER SERVICE REPRESENTATIVE THE NOTES SHOWED THE DECISION WAS MADE ON XX/XX/2021.
( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred.
AS PER REG E CAPITAL ONE IS TO REPORT THE RESULTS TO THE CONSUMER IN 3 BUSINESS DAYS.
Today, XX/XX/2021 @ XXXX EST after close of business I have not received any written or verbal communication from Capital One explaining the decision or providing documents and evidence for their decision to deny the claims. I've reputedly asked for further documentation and explanation of finding via phone and email with no reply.
As I took on this matter into my own hands it became even more clear that capital one had violated Reg E by not complying with it's duty to properly investigate the claims.
A large number of charges came from a company called " XXXX XXXX XXXX XXXX XXXX '' I was able to do a XXXX search and locate this companies information in XXXX. After tirelessly working to reach someone I was able to speak to a representative on the phone and explained the charges on my account. The representative was able to look into it with a manager and agree that the charges were fraudulent.
On Sunday, XX/XX/2021 the credits from this company posted to my checking account resolving 10 disputed transaction across various claims.
If I was able to do this on my own, why was capital one not able to uphold their duty to properly investigate my claims and come to the same resolution?
I continued to do further research and was able to resolve two more claims that were posted under " XXXX XXXXXXXX XXXX XXXX '' also from XXXX. They also agreed that there were fraudulent transactions involving my debit card number.
On XX/XX/2021 two more credits posted to my checking account resolving two more transactions on the claims.
Once again, if I'm able to resolve this what is capital one doing? By the information I've provided and their hastiness to deny the claims in 5 business days it's safe to assume capital one has failed to meet even the lowest standard required under Reg E and their agreement with MasterCard.
I'm hoping that CFPB will shed some light into their practices and the real life consequences that their actions have on their customers. While someone looks at numbers on a screen and fails to properly do their job, consumers like myself suffer the consequences.
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11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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08/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$470.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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12/06/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAP ONE XXXX bal. {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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10/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE BANK USA N.A bal. $ 1,148.00I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/13/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$290.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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10/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$4100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/12/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA N A bal. {$330.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXXE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$1800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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12/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
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06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account number- XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a.
Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b.
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA.
The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( XXXXCBA1666 ( b ) ( 6 ).
I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Thank you for your time, XXXX XXXX XXXX
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01/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX23 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$5700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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12/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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12/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$1500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
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11/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE AUTO FINAN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 08 CAPITAL ONE BANK USA N A bal. {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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07/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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01/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$9900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE BANK USA NA & {$260.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
11/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1 CAPITAL ONE & {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/11/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAP ONE AUTO bal. {$9000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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07/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CAPITAL ONE bal. {$3200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE & {$270.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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12/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
09/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$480.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE N A bal. {$380.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX XXXX {$780.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 CAPITAL ONE & {$920.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$0.00} XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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12/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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12/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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11/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa XXXX
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07/28/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAP ONE AUTO bal. {$10000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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04/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Received XXXX statement from company that showed payment processed on XX/XX/XXXX ( Tuesday ). Due date was XXXX and was made online, but due to online bill pay, did not process until XX/XX/XXXX.
Bill showed a {$27.00} late fee.
This statement had a payment due date of XXXX.
Called to have late fee removed and they said they would waive the fee and it would reflect on next bill. ( XXXX statement ) Payment was made on XXXX with the expectation that the late fee would be removed when the next statement arrived.
FLASH FORWARD : Received next statement from the company that showed late fee not had not been removed.
Instead it showed a larger late fee of {$38.00} as well as an " Adjustment-Payment '' in the amount of {$50.00} under the purchases category along with an {$0.00} interest fee.
Called the company to investigate and was told that the {$50.00} was due to the fact that our {$50.00} payment on XX/XX/XXXX had actually been refunded back into our bank account.
I explained that, in a review of my bank statement, I did show a payment processed by the company ( posted in my bank acct. of XX/XX/XXXX ) but was not seeing a refund or deposit from the company into my bank account .... So therefore, needed that {$50.00} fee removed from my XXXX statement.
Was told she could not waive the fee b/c their records indicated they HAD refunded the money.
I asked why they would have done such a thing and was told that there was not a note on the account to explain why this would have happened ... but that it was a matter of my word against theirs at this point.
The representative said a " case '' would be opened for a " supervisory team '' to look into the matter.
I said that was fine, but that in the meantime, I would like to have her waive the previous late fee and the new late fee from my statement and issue a revised statement for each month for my records.
She told me that in order to waive the late fees, I would be required to either pay my minimum payment ( that is due on XXXX ) now or schedule a payment ... and ONLY after my payment is received, will they waive the fees and credit them back to my account.
I was told that it would take 24 hours to appear back as a credit to my account.
I told her I was not comfortable making a payment until the matter was cleared up, since they had already been so irresponsible with records of my payments.
I simply did not trust that if I made the payment, they would, in fact, waive the fees.
She said that she could not waive those fees unless I paid and until I paid, the fees would remain as part of my balance.
She told me that because they " refunded '' me the {$50.00} payment I made ( again ... I never saw a refund ) that this meant I had technically never paid my XXXX statement at all and therefore was still in poor standing with the company.
I tried to explain that not only had I made the XXXX payment, but had also made a payment on XXXX and should be totally up to date. The statement mailed to me by her company reflected that this was the case.
She said that they applied my XXXX payment to the XXXX bill ( that I show as having been paid on XX/XX/XXXX, but they claim to have refunded ) so the XXXX bill had yet to be paid ... which meant I was responsible for late fees.
I explained once again - I made both payments and both payments were showing on my statement from her company. Therefore, they must have been received and therefore, I must not be late - meaning I could expect the late fees to be waived.
She continued to refuse.
I asked for a supervisor and was told one was not available.
I told her I would hold, but she refused to transfer my call.
She made an appointment for me to have a supervisor telephone me later in the day, but in order to have her use my phone number ( which had been mysteriously labeled as a " do not call '' number in her records - I was not responsible for that either ) I had to receive a text from her and click open a link that would allow her to permit calls to my cell phone.
I told her that ALL of these things sounded very shady to me and that I would be consulting my lawyer and filing an FTC claim.
She then said she would tell the President of her company about my concerns via email.
I told her to by all means do so because he or she may want to be made aware of such shady practices.
I told her that you can not hold a late fee waiver XXXX until a bill is paid ... it makes no sense at all. Particularly when the late fees are not justified.
Again, I told her to waive the late fees - all of them - because I was not late witheither of my payments or any previously. In return I would be happy to schedule a payment ... .but repeated my distrust in her company and told her I would refuse to make the payment until the fees were waived and I had written verification of the matter.
The call ended b/c she claimed she could do no more.
I am not entirely certain that this company is breaking the law, but it seems as if some unfair practices are at play.
1. Claiming ( falsely ) to refund a payment so that they can charge a late fee on the next billing cycle.
2. Claiming they can not waive bogus late fees until a payment is made.
3. Charging late fees when the statement clearly shows record of a payment and the customer 's bank records also reflect the same payment information.
4. Refusing access to a decision maker/supervisor when a subordinate employee is unable to assist a customer.
5. Requiring a customer to click an unknown text link in order to " unlock '' their phone number in the " system ''.
I am willing to speak to anyone who would like further information regarding this claim and would be very curious to know whether other customers of this company have had similar experiences.
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11/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAP ONE AUTO bal. {$12000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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10/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
10/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The BXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAP ONE & {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. KOHLS/CAPONE bal. $ 518.00I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX & XXXX XXXX bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/31/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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11/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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08/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is a follow-up to complaint XXXX. Capital One initially took steps to re-credit my account and continue the dispute process once the CFPB alerted them. I received a call from XXXX on XX/XX/XXXX indicating that they had received the complaint and credited the account on XX/XX/XXXX, the supporting documentation I had submitted the week prior was submitted to the merchant ( XXXX ), and that this process was resumed. I was informed at this point that XXXX would determine if the merchant 's rebuttal would be sufficient to rule in their favor. I received communication on XX/XX/XXXX, which included the merchant 's submitted documents, indicating that a credit for only {$220.00} of the entire {$1700.00} was issued per XXXX ' acquiescence to the claims made regarding their repair job.
I spoke with XXXX at Capital One on XX/XX/XXXX and advised her that neither XXXX nor Capital One seems to have addressed unauthorized charges on the account at all- only crediting me for subsequent repairs that had to be made to my vehicle. Upon further scrutiny of the merchant 's submitted documents, I noticed an invoice that was timestamped XXXX hours earlier ( XXXX ) than the time I retrieved my vehicle from the shop, with a signature that was imported from the stylus signature at XXXX ( which is also the invoice that I have and was initially submitted to Capital One ). This latter invoice included the timestamp for the card swipe as XXXX as well. When I reopened the dispute, I pointed out that the merchant 's documents were inaccurate, as I was not in the shop at XXXX to sign anything, and noted that the documents did not match and that the signature was imported/copied into this earlier document. This was alongside a letter requesting to reopen the case, call logs indicating back and forth communication with the shop from that day, itemizations of the original invoice- over a warranty that had not been honored ( brake pads ) and work that was not authorized to be performed ( exhaust ). When I contacted Capital One on XX/XX/XXXX, XXXX informed me that this would not be going back to the merchant, and would go to XXXX at this time.
I followed up on XX/XX/XXXX and spoke with XXXX, who advised that the documents were received and still under review, but that this would be sent to XXXX directly at this stage. I received a letter today, XX/XX/XXXX, advising ( yet again ) that Capital One could not assist. This letter stated that I had not provided all requested information. I have submitted documents XXXX times to Capital One- each submission building on the last ( as I was informed to do multiple times ), and I am repeatedly asked for the same plus more information. It does not appear that Capital One is reviewing this in the progressive manner they claim is the legal path- i.e.- they are not " building a case '', they are arbitrarily looking at each individual submission and claiming it is incomplete.
Capital One has not worked this case from start to finish, and has not taken into account ALL submissions cumulatively. They have stated multiple times that the is a " progressive '' process, and that all documentation is reviewed, but it appears this is inaccurate. In this latest submission, they even turned a blind eye to a forged invoice copy submitted by the merchant- which was an act of fraud in and of itself, and should disqualify the merchant entirely in this dispute process. when I called Capital One today, a representative ( XXXX ) informed me that this could not be verified and that XXXX could simply claim my copy was forged- although mine has the exact time of the credit card swipe and XXXX had also submitted the same document previously. He also stated " we're not in the business of verifying documents '' - which seems odd considering this is a dispute that includes unauthorized charges, and the burden of proof would be on the merchant to prove otherwise.
On my call today, XXXX informed me that he was unable to find some of these previously submitted documents and requested I send them in real time- he acknowledged receipt while I was on the call and advised he was going to attempt to " link all documents '' to my case to ensure that the full submission was considered. XXXX also had informed me " line by line '' they were reviewing what was supposedly missing and marking that the rejections from Capital One were invalid- as they were retrieving these documents in real-time while I was on the call today. He indicated that the reviewers had not been cross-referencing the submissions. He then informed me they went through the dispute and after XXXX hours of review, he tells me I am not allowed to dispute an unauthorized charge whatsoever. He proceeded to tell me that the initial dispute " reason '' ( which was entered by a representative on XX/XX/XXXX ) was not valid for this purpose, and was only valid for the repair work that needed to be subsequently re-done, and did not offer another path to dispute the remaining amount. He then spent the following few minutes repeatedly asking if I actually received the item in dispute- to which I responded I don't even know, since I am not going to put my car on a lift and look to see if something was installed on it. What an outrageous statement to make. He then arrogantly implied that he was doing so much more for me than anyone else, and proceeded to actually time-check me and complain we were on a call for well over an hour. He proceeded to mute himself while I was explaining more details as the call wore on ( assuming so he could badmouth without being heard on this recorded line ), proceeded to let out a groan and " UGHHH '', because he was getting annoyed, then abruptly cut me off because he was getting tired of arguing the point.
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10/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. KOHLS/CAPONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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09/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. CAPITAL ONE Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/2020.
I immediately disputed this information with CAPITAL ONE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time
|
09/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAP ONE AUTO bal. {$9100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
07/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$4200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPITAL ONE & {$810.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
11/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CAPONE & 80.00 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
10/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. CAPITAL ONE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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07/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My girlfriend, XXXX XXXX XXXX, is also filing her separate complaint regarding the same companies and issues. Capital One Bank together with XXXX is forcing me to sign up my Essential Checking Account Debit Card for a service I do n't want or need to sign up for. And after having no other choice and being forced to sign up my Essential Checking Debit Card for the service, I quickly discovered, after reading the terms and conditions and clicking on the Contact Us tab, that the XXXX XXXX service is only good for Capital One Bank 's 360 Checking Account Debit Cards and not for Capital One Bank 's Essential Checking Debit Cards. I have an Essential Checking Account and Debit Card so why are Capital One Bank and XXXX forcing me to sign up and use a service that 's not even intended for my Capital One Bank Essential Checking Account and Debit Card? Both Capital One Bank and XXXX are now blocking my access to my own hard earned money whenever I want to send money via XXXX XXXX or make online purchases with several merchants. I feel like my money is being and/or has been kidnapped or hijacked for a ransom by Capital One Bank and XXXX. When I get to the submit portion of my XXXX XXXX money transfer, I quickly get a pop up screen telling me that Capital One Bank would like to make this a more secure transaction by having me sign up for a XXXX service entitled, XXXX XXXX and once that pop up shows up or you click on the Help link, at the bottom of the pop up, there 's no way to go back, bypass, reject or cancel the pop up so now you have no other choice and are forced to sign up for the XXXX XXXX service, whether you want to or not or whether you need it or not. The Return To SecureCode link at the bottom of the Help pages, never works so now you have to totally delete the app of the merchant you were using and totally reinstall it again. This is the time wasting ordeal Capital One Bank and XXXX put you through : After searching your bank 's name, it gives you the following two choices for Capital One Bank : Capital One Debit Cards /Capital One Debit Cards beginning with XXXX or XXXX but no matter which one of the two you choose, it wo n't successfully register any Capital One Bank Essential Checking Debit Cards. It endlessly keep displaying the following error message : " The Credentials Supplied Are Incorrect. '' Capital One Bank 's 800 Essential Checking customer service representatives quickly, tell you that the only way to fix the problem is to open a Capital One 360 Checking account and without warning they very quickly transfer your call to Capital One Bank 's 360 checking customer service department. These actions are forcing endless Capital One Bank Essential Checking customers to forcibly open up Capital One Bank 360 checking accounts just so they can use a Capital One Bank Debit Card to make online purchases or send money transfers with several merchants. These are nothing more than very unprofessional, untrustworthy, unfair, unlawful, unjustifiable, unnecessary, unwanted, unwarranted, conviving, abusive and deliberate harassing attempts by Capital One Bank to forcibly cross sell their Capital One Bank 360 checking accounts by forcibly scamming and harassing their customers to register for and use XXXX XXXX while, at the same time, XXXX is also harassing and forcibly cross selling their XXXX XXXX service to Capital One Bank 's customers by blocking and denying those same Capital One Bank customers, access to their own personal monies, whenever they want or need to use their Capital One Bank Essential Checking Debit Card to make purchases or send money transfers with several merchants. This is also nothing more than a Capital One Bank and XXXX, unlawful Banking Venus Fly Trap for Capital One Bank and XXXX only knows, how many more other endless and different financial institution customers!!!! Plus because of the lack of helpful information and assistance offer by Capital One Bank and XXXX, I ca n't even determine if the XXXX XXXX pop ups I 've encountered several times in the last few days are fake fradulent pop up scams being implemented by other parties, not associated or conducting business with Capital One Bank nor XXXX!!!! As of yesterday, Capital One Bank quickly started directing me to XXXX to resolve this issue but when I contacted XXXX, XXXX quickly directed me back to Capital One Bank to resolve this issue. Capital One Bank and XXXX are now both placing me in an eternal revolving door and giving me the eternal run around from XXXX. Now, all of a sudden, no one at Capital One Bank nor XXXX seems to know what 's going on or causing this issue and because of that lack of knowledge, I refuse to add any more monies to my Capital One Bank Essential ( to bring it back into a positive status ) or 360 Checking Accounts until I definitely know that the several XXXX XXXX pop ups I encountered in the last few days, where I was also forced to enter my highly personal and banking information were n't fake fraudulent scams implemented by other parties not associated or conducting business with Capital One Bank nor XXXX!!!! I feel like I 've abusively, forcibly and for no lawful reason at long been placed into a financial and physical straitjacket, HELP!!!! I am currently also looking into my legal options to protect other consumers and myself from these types of unprofessional, unlawful and unfair business practices, tactics and scams!!!! Capital One Bank and XXXX are unprofessionally, unlawfully, unjustifiably, wrongfully, unfairly and forcibly cross selling the XXXX XXXX service to Capital One Bank Essential Checking customers knowing that that service is only for Capital One 360 Checking customers, UNREAL!!!! Please refer to the attached supportive photos!!!!
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09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XXXX XXXX, 2023, a negotiable instrument was written to Capital One Auto Finance in order to pay off my car loan. This payment order was mailed by certified mail on XX/XX/2023, and received by Capital One Auto Finance at XXXXXXXX XXXX. on XX/XX/2023 as evidenced by certified mail # XXXX. You had until midnight XX/XX/2023 to put this instrument through ( which you did ), or dishonor the instrument, citing any possible defects of the instrument, which you didnt do. Since the EFT was accepted and not dishonored, the debt is discharged. XXXX XXXX XXXX XXXX.
The very next day on XX/XX/2023, I checked my online account with Capital One Auto Finance. I have received a Congratulations! Youve paid off your Capital One Auto Loan! Along, with a XXXX ( XXXX ) balance display proving that you have processed the instrument and my account has been satisfied. In addition, I have received a letter dated XX/XX/2023 from XXXX XXXX of Capital One Auto Finance also confirming that my account was paid in full as of XX/XX/2023 ( please see the enclosed documents I have received from Capital One Auto Finance ).
Furthermore, I have received more correspondence dated XX/XX/2023 from Capital One Auto Finance indicating Validation of Debt and that my letter was forwarded to the Office of the President for response. This letter also validates a XXXX balance on my account as it is written in page two ( 2 ) of first paragraph ( Please see attached proof of same ).
On XX/XX/2023, I received gap insurance cancellation form from XXXX XXXX. Process Number : XXXX. The instruction on letter indicated to sign so I may receive my gap insurance refund for my PAID IN FULL vehicle and this form also validates a PAID IN FULL status of the said account.
My Capital One Auto Finance online account has had many errors since the debt has been satisfied. One of the screen shots I have showed that my account was past due and that I still owed the principal balance. However, Capital One Auto Finance recent screenshots show that I have a balance of {$450.00} even after debt has been satisfied. I am continuously violated by Capital One Auto Finance and will sue for damages if this account is not fixed to XXXX balance and that my vehicle title is released immediately. I have called and spoke to several agents and nothing has been done to release of my property.
You have also violated your oath of office as a banker by not sending me the proper accounting on this account showing a XXXX balance. This letter also serves as a notice that your accounting contains errors on this account as my EFT # _________ paid off the debt of {$38000.00} on XX/XX/2023 and you have not sent me the FREE & CLEAR title in timely notice of the accounting of the debt paid in full. Let me remind you of this law contained at 15 USC Section 1693 a-f which basically says that I am entitled to triple damages if I show that your bank is operating in bad faith by not crediting my account timely with an EFT payment.
15 USC Section 1693 a-f ( a ) Notification to financial institution of error -- If a financial institution, within sixty days after having transmitted to a consumer documentation pursuant to section 1693d ( a ), ( c ), or ( d ) of this title or notification pursuant to section 1693d ( b ) of this title, receives oral or written notice in which the consumer ( 1 ) sets forth or otherwise enables the financial institution to identify the name and account number of the consumer ; ( 2 ) indicates the consumers belief that the documentation, or, in the case of notification pursuant to section 1693d ( b ) of this title, the consumers account, contains an error and the amount of such error; and ( 3 ) sets forth the reasons for the consumers belief ( where applicable ) that an error has occurred, the financial institution shall investigate the alleged error, determine whether an error has occurred, and report or mail the results of such investigation and determination to the consumer within ten business days. The financial institution may require written confirmation to be provided to it within ten business days of an oral notification of error if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent. A financial institution which requires written confirmation in accordance with the previous sentence need not provisionally recredit a consumers account in accordance with subsection ( c ) of this section, nor shall the financial institution be liable under subsection ( e ) of this section if the written confirmation is not received within the ten-day period referred to in the previous sentence.
( e ) Treble damages -- If in any action under section 1693m [ 1 ] of this title, the court finds that ( 1 ) the financial institution did not provisionally recredit a consumers account within the ten-day period specified in subsection ( c ) of this section, and the financial institution ( A ) did not make a good faith investigation of the alleged error, or ( B ) did not have a reasonable basis for believing that the consumers account was not in error; or ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation, then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) [ 1 ] of this title.
( f ) Acts constituting error For the purpose of this section, an error consists of ( 3 ) the omission from a periodic statement of an electronic fund transfer affecting the consumers account which should have been included ;
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10/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear CFPB, My name is XXXX XXXX. Upon multiple attempts to resolve the below issue with the merchant, and then disputing it with the creditor - Capital One, our dispute was yet denied by Capital One with a generic rejection letter with a vague explanation that I " allegedly '' failed to provide them with requested information. However, it is NOT A TRUE STATEMENT : ALL the required information had been provided TIMELY and additional supporting evidence was provided upon request.
The reason for the dispute is that the MERCHANT FAILED to provide the service I had been charged for and failed to provide adequate substitution it, while customer service was unacceptable.
Hence, I insist on Capital One 's re-opening the dispute and resolving it in MY FAVOR by removing this {$1200.00} charge from my account entirely.
Below are the details of the dispute.
On XXXX XXXX XXXX, my wife and I booked our 6-night stay for XXXX XXXX, XXXX at XXXX XXXX XXXX, for our honeymoon, via XXXX. When booking, we selected what was at the time described as " 323-sq-foot ( 30-sq-meter ) room with garden views '' and a double bed.
Upon arrival on XXXX/XXXX/XXXX we were taken to a room whose windows opened up on to BRICK WALLS of adjacent building ( s ), which is clearly not a view of any garden, rather than of a well. Within minutes we went to the front desk and advised them of the issue, and were presented with a much smaller room which had a view of the garden but had one single sized bed. The hotels receptionist claimed they had no other rooms available and advised us that those were our only 2 options for that night. Due to the lack of other options, we relocated to the smaller-bed room and stayed for the night there. Little did know the room we were now in was right over the hotels outdoor patio, and our attempts to rest and sleep that night failed as for many hours into the night we were disquieted by raucous shouts of a group of revelers sitting at the patio, enjoying themselves and not minding being too loud at such a late time. We complained to the front desk about the noise, but unfortunately, the establishment turned a blind eye to such a disturbance and told us to bring it up to the manager in the morning. We had no choice but to close our windows shut on a hot summer night, which still didnt block the noises from the outside.
In the morning of XXXX/XXXX/XXXX we tried to speak to the manager and were rebuffed rudely by the front desk employee several times, until around noon when the manager finally arrived. We described the situation to the manager, mentioning it was our honeymoon. The manager informed us unapologetically that there was nothing she could do about the outside patio noises at night, and that the only 2 rooms they had available were the one we were currently in and the other one that we had been offered originally. She also added that whether we stay there or not made no difference to her, but they would not give us any refund, even though she acknowledged that the room we had originally booked did not fit the advertised description, and that as they had nothing else vacant at that time, it was up to us to stay or leave. While we were displeased with her tone and the response, we still attempted to bargain with her and said we would be willing to leave that very day ( after staying only 1 night out of 6 ) and receive a refund for only half of our 6-night stay. In other words, we offered to pay for additional 2 unstayed nights to give the hotel a chance to sell the same room to another customer upon our departure. We were responded that they wouldnt refund ANY portion of the stay, regardless of which day we leave prior to the XXXX of XXXX. The manager added that there was nothing she could do about us being unhappy, and if we wanted to leave right away it was our problem.
Upon returning to XXXX XXXX, we attempted to call XXXX and were not able to get a helpful representative on the line who would be able to assist us with the issue. So we called CapitalOne to advise of our bad experience and dispute the hotels charges on grounds of false advertising and unacceptable customer service. It took the CapitalOne representative 4 attempts and about an hour to reach a representative of XXXX ( while we were on the phone listening in ) who said that they would look into the matter and return our call within 24hours. The CapitalOne Representative was nice enough to follow up with us the following day to find out if were received any calls from XXXX, which we had not. At that point, the CapitalOne Representative advised our only option was to submit a dispute. Which we did right away.
We, of course, would have loved to be able to resolve this matter immediately, while we were still at the hotel. But, unfortunately, it was, in fact, not possible to call XXXX for assistance. Due to the remoteness of the hotels location, there was NO cell phone service in or around the hotel - even our cars GPS lost service a few times and we got a little lost on the way to the hotel. WiFi connection on the premises was also too weak for calls. We were in the midst of the Tuscan country side, without any ability to make phone calls. Making further true by the amount of time it would have taken us to reach a helpful representative as it did when the CapitalOne rep made her attempt, we wouldnt have been able to use the hotels phone for that call.
PS Attachment 1 - printscreen of the Room Description Attachment 2 - wall view from the window Below is the link for the room with its description ( the rooms description doesnt vary by the date selected ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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02/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX at XXXX, I received an email message that one or more phone numbers on your Capital One profile have been updated. I immediately was concerned because I was sitting down to dinner and had done no such thing. Following that email, at XXXX I received another email from Capital One, Do you recognize this purchase? on my card ending in XXXX from a merchant XXXX for {$160.00} that the outcome was Declined. Now I was very concerned, so I tried to go online via my normal mobile routed, and I was locked out. Hackers had gained access to all of my accounts somehow and had made charges on my multiple Capital One credit cards.
Feeling incredibly violated and unsafe, I immediately called Capital One to report the suspicious activity on the XXXX card and asked the person to PLEASE check the other credit card accounts to make sure they were not used as well. I was assured all was in order and they changed the number to a new one, but I said I wanted immediate account closure so that they couldnt continue to outwit Capital One and exploit my accounts. So I paid the final amount due, they refunded the fraudulent charges, and closed my account. They said rest assure, youre protected by a {$0.00} fraud guarantee with confidence, and something that Id soon learn was the biggest pile of nonsense ever.
I then ( immediately after hanging up ) closed my remaining credit card XXXX ( the one they said was clear of fraud ) using the web portal, and paid the final balance on it, and felt like I had contained the situation. Boy was I wrong. At this point Im maybe 2 hours of work into the fraud that was caused by Capital One data breach and the inability to keep client accounts secure.
A couple of days later on my mobile app, I saw on the NOW CLOSED account XXXX that there were fraudulent charges from the same sources that appeared on the other credit card account. These were for airline tickets purchased from XXXX XXXX ( or site attempting to look like them ) and another travel agency or shell company of some type. On my statements, its easy to see that the tickets are fraudulent by some foreigner name as the traveler in another country ( XXXX? ). I dont even own a passport, let alone have never traveled outside of USA XXXX
So I called and reported this additional fraud, that once again posted to a CLOSED account. Imagine my displeasure spending almost two additional hours with them on a phone call, only to find out that it was a known system problem that your agents were unable to report fraud on closed accounts, and something that they were working on correcting. I was told this from a nice lady who promised she would follow up with me XXXX week later, and she put in on her calendar to do so, with an update on the status of the company addressing this issue, and maybe then wed be able to formally submit a fraud ticket on this CLOSED account. Notice the capitals Im using for emphasis. Capital One is so incompetent that it allows fraud to appear on CLOSED accounts. In fact, charges post days after account closure. Then the owners cant fix it, even after investing now 4 hours of their personal time. But that was just the beginning.
The scheduled day for the nice lady to call me came and went, and I heard nothing. I called multiple more times, spending hours with Capital One agents, begging them to delete the fraudulent activity. On XX/XX/XXXX I got a letter from Capital One, congratulating me on the successful conclusion of the fraud investigation for XXXX and on the same day, they reversed the fraudulent charges back, meaning I now owed them again. They sounded so proud of their " {$0.00} fraud guarantee '' in that letter to me. This letter is enclosed, along with my XXXX billing statement. You cant make this stuff up, they are THIS incompetent.
I called Capital One after receiving the letter then seeing the chargeback, and they somehow concluded that it wasnt fraud. Note that these are the exact same charges that ( XXXX ) they alerted me to as suspicious activity and ( XXXX ) were made and found to be fraud on my other account. Same Turkish airline, same travel agency or service. Their reason was that they say the airline ( hackers ) supplied information that it was my wife and I who were the travelers, which simply wasn't so. The single ticket was purchased with a foreigners name as the traveler and it appears that way on my XXXX ( closed account ) statement. Capital One sent me the statement, but they appear unable to read it. They allowed a hacker into my account, who obtained my name, and somehow used it to buy a ticket under a foreigners name, which I then explained to them multiple times, and they wont trust a business client whos had hundreds of thousands of dollars on deposit with them, has had XXXX credit card accounts with credit limits in the hundreds of thousands of dollars, has never paid late, has ( had prior to this fraud and their subsequent reports ) perfect credit, and has been an account holder for decades.
My credit score which has always been XXXX has now been destroyed by this single incident, currently it's XXXX or so. I sent two letters to Capital One departments on XX/XX/XXXX and have heard nothing back from them. They are continuing to pile on late charges and ruining my perfect credit, all from this one single Turkish airlines fraudulent charge. I simply can not believe this company and how it treats its business clients. DO NOT TRUST CAPITAL ONE WITH YOUR IDENTITY OR PERSONAL INFORMATION. They had a severe data breach in XXXX where personal information from millions of their clients were taken, and then when it is used against those clients, they demonstrate they are more interested in the dollar than their clients.
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05/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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AGREED PAYEE : CAPITAL ONE XXXX FTC REPORT NUMBER : XXXX XXXX XXXX XXXX PERPETRATED A SCAM TO DEFRAUD ME OF MONIES THAT WAS INTENTED TO BE DISPURSHED BETWEEN ( 7 ) CREDITORS UNDER A CONTRACTUAL DEBT CONSOLIDATION AGREEMENT. XXXX XXXX XXXX PROCESSED A DEBT CONSOLIDATION CONTRACT THAT WAS NOT VALIDATED BY THE CREDITORS THAT I WAS UNDER THE IMPRESSION THAT IT HAD PROMISED TO PAY ON MY BEHALF. I LATER FOUND OUT THAT XXXX XXXX XXXX IS UNDER INVESTIGATION AND PROMPTLY CEASED PAYMENT TO THE COMPANY. ON XX/XX/2020 CERTIFIED MAIL WAS SENT TO EACH OF THE ( 7 ) CREDITORS INFORMING THEM OF MY POSITION AND REQUESTED THAT THE OUTSTANDING BALANCES BE RE-NEGOIATED AND I FURTHER REQUESTED THAT A NEW PAYMENT PLAN BE CONSIDERED BASED UPON RECALCULATION AND MINUS OF MONIES ALREADY WHICH I AM SUING THE COMPANY FOR THE RETURN OF THE MONIES THAT WAS NEVER RELEASED TO THE CREDITORS. THE CREDITORS FAILED TO RESPOND TO MY OFFER AND INSTEAD CHOSE TOO REPORT THE ACCOUNTS IN DEROGATORHY CHARGE OFF POSITION.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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01/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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|
Web |
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I am on a set income. I have been though a situation which resulted in me being forced to initiate a 3 1/2yr civil matter that ended in XXXX and affected me financially. am still paying the cost of my representation and will continue doing so for the next 2yrs. I have never had such awful money problems. I had been successfully paying my cards off, buying essentials with them and my family would help if any medical problems or the like occured. My father 's workplace shut down and he lost his job early last year. At that point I had no help. In XX/XX/XXXX I missed my first payment to Kohl 's since I opened the account in XXXX. I continued paying everything I could but I could not pay in full after they shot my payment up to over {$120.00}. I contacted them but paid the amount initially thinking it would help, it didn't. Each payment thereafter accrued a higher fee like the inital missed payment. As I said, I contacted Kohl 's via their website message center on the payment page about my missed payment. I explained how long I had been a customer, that I'd been a VIP cardholder for the majority of that time, paid more than asked every chance I got and asked if they could drop the late fee, split it up or lower their " base '' interest rate. Explained I was struggling and so were my bills but wanted to get back on track. I let them know I was and would keep doing everything I could to keep my bill in good standing. They were far from empathetic. It continued to be like this every time I contacted them, at times the rep acted as if my distress and confusion was humorous. I grew increasingly frustrated, broke and behind on my other bills. I paid as much as I could when I could. Around XXXX I told the rep I was going to be forced to file bankruptcy if I didn't close my longterm account with them which had always been in good standing abd that I did not want to do either but could not keep paying these {$100.00} late fees and my monthly fee, to which they responded they'd just closed the account for me. From then on out I saw no balance changes but increase and was only given the option to pay the full $ XXXX+ owed ( back then ) every time I paid, they were still adding fees to each payment. I continued to maintain contact and attempted to find out why I was being increasingly charged extra each month. I did not find out until I checked my credit report last night after getting an alert from an XXXXand noticing another card had revoked 1/2 of my spendable amount. Around 3mo into this I started getting emails, phone calls and letters claiming to be someone collecting a debt on Kohl 's behalf and asking for full payment of the fee or a payment match option. I researched the option, it was a scam according to people who had tried it. I did not recieve another bill from Kohl 's, I didn't know who I owed but I paid. I just discovered Kohl 's had reported my account as delequint to all 3 credit agencies and is collecting my activity by way of an investigation watch. They have also been making inquiries and claims of ownership under seperate entitiy names for months and a bank I'd never dealt with. It's affected all of my accounts. The information shown regarding XX/XX/XXXX-XX/XX/XXXX payments, amounts, dates and balance they gave XXXX does not match the information they gave XXXX. I was not able to get my score fron XXXX, I will have to contact them. The initial late payment date was reported, XX/XX/XXXX, but they did not show that as the initial flag. Starting in XXXX they have multiple 30day late months listed in a row, then 90 and then 120. They do not have the same balance/dates on both CRA 's and I do not have the information they gave them. I apparetly DID have a minimum payment option all along which is how they kept hitting me with a fee even after closure because I was still paying as I should have been. They actually claim I had the option of a minimum payment! 13 years I'd spent growing that account. One late fee and apathetic supoort rep later it's gone. The CRA 's accounts show every prior payment was paid. I was told I could reopen the account when I paid the fee off by the rep. I feel like it was just a game to them. On my report the minimum payment of {$120.00} a month shows up after XXXX or thereabouts. I was never told the truth and it makes me extremely angry. This very month it stated {$550.00} as my only payment option. Even though I'm just around {$270.00} over my balance. I would have borrowed money from my now newly hired Father and paid the fee off in 2-3mo if I had been given the chance. Each payment I made attempting to pay the fee carried whatever I did not pay of that hidden {$120.00} over as another late fee. I was intentionally kept in a late, unpaid state. There's no way to deny it. The " 120 '' day very late adverse account is now on my credit reports along with an insulting lie stating the creditor chose to close the account. Due to this my credit score is dead, other company 's have begun cutting my credit lines and everything 's now being flagged. It's taking my credit score down 5pts a day. I do not believe the incorrect information on file is fair, it's not a true representation of what occurred, nor do I believe the adverse account should have been flagged, I'm paying. I feel as if this was a petty jab made just to bring attention to it and further ruin my credit. I was not given any information apart from being made to think the debt had been sold last year. It makes me look like I have intentionally been dodging the minimum {$120.00}. I would like to see this removed from my credit report. I should not have my ability to get help or current cards stripped when I have genuinely tried to do my part.
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05/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I fell behind in my car payment after paying on it for almost 3 years of 5 year loan usually never late because of hardship. The company would not work with me at that time. They repossessed my car very early one morning and I was denied getting my XXXX parking pass and other personal belongings from car I needed by repo man. I called company up crying my heart out and after begging like a dog and jumping thru hoops for them they finally referred me to a different office in company that lowered my payment for me but added a lot on it and I owed just about what I paid for it 3 years earlier. But I agreed because I loved my car and had worked very hard for it! I sold things to pay the money they wanted for it to be released back to me so I thought. After paying I was informed it went to the auction and it was getting ready to be sold if it hadn't already. It wasn't sold but then I had to pay another {$400.00} to auction house to get it back. This car was my prize possession it was in perfect shape no dents no scratches and very low miles when they dragged it out of my driveway that morning. But after paying all that money and begging and crying when I got it back someone had been driving it!!! Because they wrecked my car there were dents and scratches on passenger side, they ran something over things were dragging underneath. Also from being dragged out of my driveway in park probably helped with that damage, someone had stole the speakers out of my dash, disabled my locks and ignition, heater and air condition and electrical weren't working, 2 of my tires and 1 rim was damaged, my driver seat was broken on side by door the plastic piece was hanging, they even took my car mats with all my other belongings. I truly could not believe this was happening to me. I called the finance company, tow yard and auction house and no one seemed to care. I thru a complete temper tantrum with the finance company until someone listened to me that this was unacceptable and not right. I would have never paid or re-signed a new loan with them if I had known it had been torn up. Company tried telling me to turn it in to my insurance. I told them no I did not do it!! Company finally agreed to open case about it but I had to get 2/3 estimates, give my statement, any witnesses statements and have them notarized and sent back in asap. I did I followed all directions. On the estimates there was {$7000.00} damage done to my car. After waiting seemed like forever I had not heard back from the company and I called them and they said I had not sent some of the information. I informed them that I had sent everything they asked for. They said I did not send in estimates but they received pictures and statements and maybe they were sent to wrong department and they would try to locate them. I still had not heard anything a month went by I thought all this time they were investigating the case and they would call. Well I was tired of waiting and spoke to a boss at the company and they informed me that the case was dropped because I did not do what I was suppose to which was a lie. The company told me to take it up with my insurance company. I thru a fit again and I told them I was not paying another dime on this car that they let get destroyed! I barricaded it in my driveway for couple months mad as can be because I could not drive it and I'm stubborn. The company could call then when they wanted their money though. So eventually I had enough so I contacted them after being 4 months behind in payments and asked again if they were gon na fix it and they said they would check in to it for me but I needed to make payments. I made 2 payments and I was using my own money to fix it by this point because I could not continue to see my baby sitting there like that anymore : ( The company assured me they would not repo again if I made those 2 payments. So I did. Well they did anyway as soon as I un barricaded it and fixed it enough to drive. I had a appointment to have it fixed completely the morning they came and took it again. I only got to drive it couple times. I called them up again cause they sent that same company and they drug it out my driveway and up the street again! The company would not work anything out still I needed {$1400.00} to get it back no exceptions. I called the last day I had to pay with the money to pay an thats all I had not a penny more. The company then informed me that my payment was due that day so now I need it too if I wanted it back. And they moved it to auction again and I would need another {$400.00} for that also. I cried my eyes out for a week straight because I had no choice and no way to come up with that much more money in 2 hours. I paid for 3 years, the money for repo the first time, and auction, partial repair cost, 2 tires and still ended up with no car. I've disputed the repo on my credit several times and they won't be fair to me and remove it. They wouldn't let me buy something else and trade it in either before they repo it 2nd time. They sold my car for little over {$8000.00} and it was worth {$15000.00} before first repo and not wrecked. They say I still owe {$5500.00} on it. It doesn't show taking the sale of car off price on my credit report which I disputed. If they did they would owe me money. This whole situation is so unfair. I owe more refinancing it for hardship, repo and damage then my original loan I paid 3 years on. And my credit is now bad and I can't buy another car without paying them and I feel they owe me to at least remove the repo on my credit report I just don't deserve this. Not fair at all I believe they have too much power on peoples lives and can destroy someone that quick and don't care at all.
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08/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
On XXXX and XXXX XX/XX/2019 I received an email from Capital One saying that my new credit cards had shipped. I have two cards with the company so this made sense. I figured that the old cards had expired or there had been a security breach so they were issuing new cards. On XX/XX/2019 I received one of the cards that had been sent to me. It was XXXX XXXX and left unsecured on my front steps. I looked at the card and compared it to the one that it was supposed to replace. They had the same expiration date and card number which seemed odd. I had fraud on my Capital One accounts a few years ago so I called the number on the card to check the balance to make sure everything was ok. I rarely use either of my Capital One cards and had not used either one in several months so the balance should have been XXXX. The balance on that card was XXXX. I decided that since I was on the phone Id check the balance of my other card, which I had not yet received. It too should have been XXXX. It was several hundred dollars. I listened to a list of the most recent charges. All of them were from a day or two before at merchants near my house but places that I had never been to. I spoke with representative and they sent me to a fraud specialist. I explained what had happened. They informed me that they I was not responsible for the charges and that they would cancel both cards and send new cards and begin an investigation.
After thinking about it for a few hours I realized what had happened. Someone had used my personal information, which I know had been leaked because of the fraud on my Capital One account years before, to order new cards. Since they had my personal information they also knew my address. They waited for the XXXX XXXX truck to drop off the first card and took it while I was at work and then immediately went out and started using it. The second card, which alerted me to the problem, arrived on a Saturday so I got to it first.
I called back Capital One and explained to them what I thought had happened. They assured me that they would include the information in my file and give it to the investigators. I also asked them how we could prevent this from happening in the future since whomever stole my identity could pull the same trick again. They told me that they would make a note in my file that only calls from my cell phone would considered valid in the future. I hung up feeling like they were handling the situation and taking care of me.
A few days later I received the card to replace the one that had been stole off of my front steps. But I never received the one to replace the other card which had also been cancel. Around XXXX XX/XX/2019 I called again and told the agent that I believed that someone was stealing the cards off of my front step and to cancel that card that I had never received and send a new one but this time not to XXXX XXXX but just to mail it so that it would be placed safely into my mail slot.
Around XXXX XX/XX/2019 I received my Capital One card bill for the card that had been stolen off of my steps second. I had a XXXX dollar charge on it that I had never made and Capital One had charged me XXXX dollars to XXXX XXXX the card that had been stolen. I immediately called them up and explained the whole situation again. They told me that the XXXX dollar charge had been made on the card that I had never received and that card was cancelled and I was not liable for it. They also reversed the XXXX dollar expedition fee. Again I felt like they were taking care of the situation.
On XXXX XX/XX/2019 I received a very cheerful voice message from XXXX who was an investigator with Capital One informing me that he had completed his investigation and to call him if he had any questions. I had already been assured that I was not liable for any of the fraudulent charges so I did not feel a need to call.
On XXXX XX/XX/2019 I opened the Capital One app to check my credit card balance which I have been doing every few days since the fraudulent activity. It was much higher than I expected. I locked my card and called Capital One again. I called them from my work phone and expected them to require me to call them from my cell phone since they had told me that in the future that was how they would verify that it was me and not the person that stole my identity. They asked me some basic information that the identity thief knows and then verified that it was me. Clearly they had made no progress in securing my accounts from further fraud. The representative told me that the charges were not new but were old charges that had been put back on. I was then transferred to another representative. I told her the exact same information that I had told Capital One several times before. She then transferred me to XXXX who does investigations for Capital One. I was informed that since the card had a chip and that since the chip was used in the store that XXXX the first investigator had determined that I was lying and that the charges were not fraud and that I was liable for them. Again for the sixth or seventh time I explained the entire history of events. XXXX gave me her number and said that she would reopen the case with the new information. When I told her that I had been assured that to avoid future identity theft and fraud they would require me to call on my cell phone she told me that really would not work. When I asked how they would prevent the same thing from happening in the future she did not have an answer.
In summary. Over two months after I reported the identity theft and fraud I am being told that they might try to hold be liable for the fraudulent charges and they still have not secured my accounts from future fraud.
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01/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I am writing in hopes of getting some help in dealing with Capital One Bank and a deposit I made with this bank.
In XXXX of XXXX I had a small fire in my kitchen. I filed a claim with my insurance company, and they issued an initial check in the amount of {$2800.00} drawn on XXXX XXXX account at XXXXXXXX XXXX XXXX XXXX XXXX. The check was made payable to myself, my wife, a mortgage company I do not have a mortgage with and my second mortgage company. The check was dated XX/XX/XXXX. I initially tried to contact the adjuster on the claim to get the payees corrected but did not have any luck ( I later found out that he had left the company between the time he was assigned my claim and when I started trying to contact him ). I tried for two weeks to contact someone at the incorrect mortgage company with no luck I could only get a hold of their sales department and any calls to any other numbers were not returned. I did not have use of my kitchen and so on the 1st of XXXX I decided to deposit the check into my account with Capital One with just mine and my wifes endorsement on it.
The next day I received a notice from Capital One saying that they were going to hold the deposit for 30 days. I accepted this as I was aware of the risk and decided to wait the 30 days. After the 30 days expired, I contacted the bank because the hold was still not released. I was told that they would not release the funds without authorization from the issuing bank. I asked them if they would just reject the deposit and send me the check back then, and they said that they couldnt do that now because too much time had passed. If I had been aware this was going to happen when they initially placed the hold, I would have asked for the deposit back then but was not informed at that time.
After a few calls to the bank trying to get his resolved I called the insurance company. They said there was nothing they could do as the check was already cleared through their bank and that there is no reason Capital One should be holding the funds.
In the middle of XXXX, I decided to file a complaint with the Consumer Federal Protection Bureau hoping to escalate this issue with Capital One Bank. They responded a few days letter ( response attached ) stating they could not release the funds because the remitter would not clear them to do so as the check could be reported as unauthorized for up to 2 years by the other named parties.
I contacted XXXX and explained again where I was, and they provided me with a letter from a claims supervisor ( attached ) requesting that Capital One return the funds to XXXX so that they can reissue payment to the correct payees. I provided this to Capital One and received no response or return calls, so I again filed a follow up complaint with the CFPB as this seemed to work to get them to respond to me. After filing the complaint Capital One bank did respond to me in late XXXX saying that the letter was not sufficient and that they would need a Hold Harmless to release the funds.
I contacted XXXX and they provided me with a Hold Harmless signed by XXXX XXXX ( attached ). I again tried to get this to Capital One Bank but again could not get them to respond or return phone calls, so I again filed a new complaint with the CFPB. Again, after that Capital One Bank started responding to me, this time noting I had only left 2 voice mails and that is why they did not call me before my complaint. The phone tree at Capital One is someone time consuming to navigate, and I did not feel like I needed to continue to leave voice mails when my previous ones were not being returned.
Capital One did respond to this complaint on XX/XX/XXXX they said two things, one of which is that they would not accept Shelters Hold Harmless and the other that they had ended their banking relationship with me ( attached ) which is news to me however this notice was mailed to a different address than the other addresses and a address I have not used in over 6 years. I can tell you they continue to deposit interest into the account each month which I would think are not actions consistent with a closed account. Outside this response to the complaint, I have still not received a formal notice they have closed my account.
On Monday the XXXX of XXXX I received a Hold Harmless from the bank and forwarded to Capital One. As of right now I have still not heard back from Capital One.
I have contacted a few attorneys for legal advice and have been told that Capital One is clearly in violation of Regulation CC on handling deposits ( attached ) and could potentially be liable for damages as well. I would like to avoid litigating this, I still, 8 months, later do not have full use of my kitchen and would much rather Capital One just return the funds to the bank and be done with this and them. Additionally, while Im sure Capital One has plenty of resources to litigate this matter I do not want to have to give a portion of the money I need to fix my kitchen to an attorney especially on a matter that is so cut and dry.
At this point the check has sat in my account at Capital One since XX/XX/XXXX. I have provided them with a letter from Shelter asking Capital One to release the funds, a Hold Harmless from Shelter asking the same and a Hold Harmless from XXXXXXXX XXXX XXXX XXXX XXXX asking the same. I would like to make sure the point it made Im not requesting the funds be released to me simply returned to the issuing bank.
At this point I am at a loss of what to do next outside of filing one more complaint trying to draw some attention to this matte. I am also forwarding a copy of this complaint to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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01/15/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX i recieved a stinulas check deposited into a XXXX XXXX XXXX account. That day i XXXX transfered XXXX to capital one. XXXX XXXX XXXX told me it would take three days to reach the desired account capital one not seeing the transfer completed and money being already withdrawn from my XXXX XXXX XXXX account after 4 days later that money wasnt deposited into my capital one account. Thinking i had to request the money because it wasnt recieved yet. Keep in mind 4 days earlier the money was withdraew and was told by XXXX XXXX XXXX it had been sent and deposited i called XXXX XXXX XXXX and confermed this. the transfer still hadnt been recieved. from my capital one account i sent a XXXX request for the XXXX. Wich should of been deposited i paid XXXX XXXX XXXX XXXX for this service that hadnt been completed That afternoon the XXXX was deposited into my capital one account thinking it was because of my request i was satisfied. The the very next day. XXXX XXXX XXXX deposited another XXXX that money sat in my checking acount for three days after being deposited thinking it was not getting reversed i used the money with expectations of depositing XXXX into my XXXX XXXX XXXX account i didnt believe after this much time had gone by that XXXX XXXX XXXX was reversing the additional deposit. I didnt send it back through XXXX because of the problem i had waiting for the first XXXX. I have emails for 5 straight day stating my balance was XXXX not negetive from XXXX XXXX XXXX. On the 5th day XX/XX/2021 i saw my capital one account go over drawn. It was because the XXXX deposit was reversed snd sent back to XXXX XXXX XXXX. I imediatly transfered money from my savings accout to the over drawn account to minimize the fees. .knowing the deposit was sent back to XXXX XXXX XXXX i started an imediatly wire transfer from other capital one accounts to the overdrawn account to make the capital account right balance. On the XXXX my capital one accont that was overdrawn went back to an positive balance of XXXX the XXXX was deposited back into the capital one account. Prior to capital one re-depositing the XXXX i immediately started a wire transfer to my second capital one account because this account was the only account linked with my XXXX investment account. when the wire transfer reached my alternate capital one account, i didnt know what or where to send XXXX wire from fedelity account the primary account was going from positive to negetive back to posative to negative again. all in three days. Also knowing the wire transfer would be there in time thinking with capital one 's grace piriod policy i would of had the wire deposited into my alternite capital one checking account that the XXXX was written from.i the fidelity wire would of been there in time. There for having positive balance in both accounts. At the time the XXXX check was written from my alternate capital one account both accounts had positive balances. Both accounts would be covered dnd balaced prior to the check being drawn on. The deposit arrived at the same time the check was rejected i wrote XXXX and time on the check for reference that a wire transfer of XXXX was on its way to cover check the wire was late I also wire deposited an extra XXXX to give me breathing room. In the past Capital one has covered purchase made with debit cards purchases not bad checks up to XXXX and these overdrafts were longer than a year ago. I always covered overdrafts based on debit purchases not bad checks i have in the past two years three checks bounce but paid all and fees in full its not nor can be proven a habit!! I have alwiysc mmediately transfered from saving to checking or from checking to checking immediately when account goes negitive never a waring about violations of being in default leading to a possible closure. Not one notice! Of warning or action i have been a faithful customer for over 4 years. As to the recent overdrafts. They were happening because capital one and companies were charging me and my accounts twice i have past statements with reversals showing this several times. I'm still waiting on at least 2. Capital one has had to reverses over charges or payments I've had to call and request over payments reversed. This has increased in the past 2 months. Capital one paying vendors twice, atleast 6 time in 3 months. I didnt trusting the balances Capital one was showing. i would get charged twice then weeks later the amounts would be reversed with capital one telling me its the vendor and the vendor telling me they only recieved one payment. Capital one withdrawing the money twice giving the money back after calling. i never wrote any bad checks. Bad check mean not paid or not payable! Again my only guilt i have if anything its taking advantage of what i was told was a benefit. Using the next day grace. Capital one never sent any warnings of closure because of default. They just closed all accounts with out notice. Now i have deposits going into an account i don't have access to. i have to wait for Capital one to release and return deposits on an account they closed with out warrents. They have also taken money out of accounts where access wasn't granted. As well as for those who weren't permitted access for purpose of withdrawal. They have called me a thief a lier. They damaged my reputation as well as future credit. I will supply all documentation showing time line, written checks, deposits, double withdrawls, and fees charged. Double withdrawls back and forth deposit and withdrawls. This is a bad company that treats good people like criminals. They don't care of exposure but i do. This needs to be told with proof of course thank you for your help.
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11/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/18, I bought {$2700.00} worth of cosmetics from XXXX XXXX in XXXX XXXX with my Capital One card. No more than 10 minutes after purchasing this stuff, my husband told me to go back to the store and return everything. I walked back to the store to return my purchase, but XXXX mysteriously locked their doors, preventing me from coming back to return my items. This was well before XXXX in the afternoon on a busy day on the XXXX in XXXX XXXX. I had to fly back to WI the next morning at XXXX, so I just took the products with me on the plane and then sent these items XXXX XXXX XXXX the next day. This package originally wound up going between myself and XXXX, with XXXX refusing to take the package back. XXXX then sent it BACK to me, and at that point, I walked the package into the XXXX XXXX XXXX XXXX XXXX hub and have documentation to confirm that I not only refused this package, but sent it back AGAIN to XXXX XXXX. While all this was happening, I had a XXXX XXXX employee try to give me ANOTHER package from XXXX XXXX at my apartment. I met the XXXX XXXX gal at the door and verbally refused the package. The XXXX XXXX employee did not give me any kind of tracking number, but I DID ask her twice if she was noting that the package was refused, and she said yes. She input the refusal on her scanner.
Therefore, there were a total of two packages associated with XXXX XXXX. ONE of them for SURE was accepted back from someone named XXXX with XXXX XXXX or XXXX XXXX XXXX XXXX, which is the company that sells XXXX XXXX products out of a store on the XXXX XXXX XXXX. I have a document which shows where the 2nd package went, but I am not able to verify if XXXX accepted that package ALSO, because since I never got any kind of/ /tracking number from XXXX XXXX , the only definitive way of knowing if either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX package, is if XXXX XXXX XXXX XXXX would provide their XXXX XXXX Account number, which they have never been willing to provide to me. I DID have a conversation with an employee at XXXX XXXX who made a very interesting statement to me, saying that when packages wind up being in limbo, where the shipper and recipient never claim a package, it is XXXX XXXX 's policy to actually destroy the package. So, for all I know, this 2nd package is either STILL at a particular XXXX XXXX hub in their Overgoods section, or it's been destroyed. The one thing I DO know, is that XXXX XXXX XXXX XXXX XXXX has XXXX accepted at least ONE of the packages back.
I have documentation related to my dispute with Capital One, dated XX/XX/18 and XX/XX/18, as well as a copy of the tracking label and proof of delivery.
I paid {$2700.00} with my Capital One card for these products from XXXX XXXX, and {$7900.00} with my XXXX card for these products. XXXX, after reviewing the receipts, etc, has credited my account. Capital One has failed to do so, because they're saying that MasterCard is refusing to credit my account because I bought these items in person, vs. online. MasterCard/Capital One is also saying that the receipt shows that all purchases are final. HOWEVER, I received at least 3 different copiess of receipts during this purchase. I WILL note that all my receipts were pushed to the bottom of my bag at the time of my purchase, and even though the salesman was AWFULLY slick about having me sign a couple of these receipts and NOT pointing out their return policy to me, each of the receipts has different verbiage on them related to returning these products. ONE receipts has NO verbiage regarding returns. Yet ANOTHER receipt says there can not be any returns/exchanges within 14 days of purchase. Yet a THIRD receipt says that there can not be any returns/exchanges within 14 days of purchase AND that there will be a 25 % restocking fee for items returned or exchanged within 14 days of purchase. There is additional verbiage on there that all sales are final.
Obviously, the return policy is confusing and misleading, to say the least. I was never verbally told by the salesman that all sales were final. If he HAD, I would've called my husband first, since it was such a large amount.
It IS important to note that these two XXXX XXXX packages didn't contain all the items in one box related to XXXX, and one related to Capital One. I have several letters that I sent to XXXX regarding THEIR dispute, if you guys would like to see the paper trail related to them. My contention, is that if one of either XXXX XXXX or XXXX XXXX XXXX XXXX 's employees accepts ONE package back, and I don't have the OTHER package, and I've tried in GREAT faith to return that 2nd package to them, but XXXX XXXX XXXX XXXX XXXX refused that package and it's sitting somewhere in XXXX XXXX limbo, then Capital One should credit my account {$2700.00}, since I REFUSE to pay for merchandise that I DON'T have. Capital One has never contacted the merchant on my behalf. All they've done, is fiddle XXXX around with my documentation, stall, etc. I HATE Capital One, because where is the help? I'm OBVIOUSLY not getting any cooperation from the merchant myself. I shouldn't have to pay for products that a slick salesman stuck me with, even though I don't have them. It IS interesting to note that XXXX XXXX 's corporate office had sent me an email via a XXXX complaint that I had filed acknowledging how XXXX XXXX XXXX XXXX was a retailer and XXXX XXXX is a wholesaler, and they acknowledged the negative, misleading and XXXX sales tactics of XXXX XXXX XXXX XXXX XXXX on the XXXX in XXXX XXXX . I have seen numerous accounts of others who have been scammed with XXXX XXXX products in this same manner, by going on the XXXX XXXX website.
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08/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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My name is XXXX XXXX and I am the account holder of the account ending in XXXX. I recently was approved for a brand new unsecured card on XXXX XXXX, 2017. To date, I have had the most horrible experience with Capital One as a new customer. The following summarizes my experience : 1. On XXXX XXXX XXXX, a series of ( 2 ) unauthorized payments were charged on my capital one card from bank accounts as payments ; 2. I immediately made a call to the Fraud Prevention department to dispute the charges and alert them that I am not sure how these bank account charges showed up in my account. It must be a technical error, I explained to the manager.
3. The manager, personally reassured me that this would not have an adverse effect on my account since I called and disputed these charges. I also informed her that I had an upcoming trip to XXXX and that I could not have any mishaps with my new card.
4. On or about XXXX XXXX, 2017, Capital One unilaterally closed my credit card without fair investigation or reasonable alternatives as to solve this issue of unauthorized charges ; 5. I spoke with various fraud managers, I reported my concerns to the Ethics investor board, I contacted Capital One on social media, due to my large platform, and now to Executive department informs me that there is nothing they can do ; all to no avail.
I am horrified and disappointed with the handling of this matter. I have not received a fair determination that proves I breached your terms. In fact, I dispute an actual breach by me of your terms and attached is evidence of the way I ordinarily make my payments with a debit card, for your reference. The unilateral closure of my card is unconscionable and it demonstrates that consumers do not have actual bargaining power in this process. This process is also causing me much distress.
I have put forward a complain to the board of directors and I plan on going to the SEC and the press. I just want a fair resolution and superior customer service as you state you provide your customers with. It is rational and logical that someone who is this diligent and persistent does not receive reasonable consideration nor the benefit of the doubt that is ambiguous. I am being treated unfairly and all I ask is that a new card be issued to me. I have recently begun to rebuild my credit and your unilateral closure of my account will have devastating effects on my credit. For these reasons, your department should remain ethical and fairly adjudicate the re-opening or reissuing of my {$500.00} limit card. There are principles of equity and fairness at stake here and I will not give up.
Please feel free to contact me at your earliest convenience. As I stated, I am leaving on a trip and my hotels are booked with my credit card ; this can create problems for me when I am out of the country. Please do your best to keep my business as a valuable customer for the long term and put forth actual effort. Thank you.
My name is XXXX XXXX and I am the account holder of the account ending in XXXX. I recently was approved for a brand new unsecured card on XXXX XXXX, 2017. To date, I have had the most horrible experience with Capital One as a new customer. The following summarizes my experience : 1. On XXXX XXXX, 2017, a series of ( 2 ) unauthorized payments were charged on my capital one card from bank accounts as payments ; 2. I immediately made a call to the Fraud Prevention department to dispute the charges and alert them that I am not sure how these bank account charges showed up in my account. It must be a technical error, I explained to the manager.
3. The manager, personally reassured me that this would not have an adverse effect on my account since I called and disputed these charges. I also informed her that I had an upcoming trip to XXXX and that I could not have any mishaps with my new card.
4. On or about XXXX XXXX, 2017, Capital One unilaterally closed my credit card without fair investigation or reasonable alternatives as to solve this issue of unauthorized charges ; 5. I spoke with various fraud managers, I reported my concerns to the Ethics investor board, I contacted Capital One on social media, due to my large platform, and now to Executive department informs me that there is nothing they can do ; all to no avail.
I am horrified and disappointed with the handling of this matter. I have not received a fair determination that proves I breached your terms. In fact, I dispute an actual breach by me of your terms and attached is evidence of the way I ordinarily make my payments with a debit card, for your reference. The unilateral closure of my card is unconscionable and it demonstrates that consumers do not have actual bargaining power in this process. This process is also causing me much distress.
I have put forward a complain to the board of directors and I plan on going to the SEC and the press.
In addition, on XXXX XXXX, 2017, I received the same decision from your executive office not to reopen my card. My credit score has dropped almost 50 points from your unreasonable actions. This is serious defamation of credit based on inaccurate information and poorly investigated assumptions on Capital Ones behalf. Customers should not be treated this way. Until my account is not reopened I will continue to file complaints and soon legal action against your company. These practices are predatory in nature and Capital One has countless complaints against them : See http : //theweek.com/articles/473752/feds-nail-capital-preying-consumers-guide and see http : //money.cnn.com/2012/07/18/pf/capital-one-refund/index.htm ; https : //www.propublica.org/article/at-capital-one-easy-credit-and-abundant-lawsuits
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10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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XX/XX/2022 I have recently received a copy of my XXXX XXXX XXXXXXXX XXXX In the light of recent review of my consumer credit report is being irresponsibly tampered with. Over the past years 20+ years I have made several attempts to gain access to my consumer file and no luck. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I have contacted them with the request to gain online access to my consumer credit report and I have been ignored. In recent research I have found that my consumer credit profile has been breached and information has been indeed shared. This breach has cause stress and multiple restraint in commerce of trade due to the failure of XXXX XXXX XXXXXXXX XXXX This breach has allowed others to access my non- public personal information. Upon accessing my consumer credit report online, I was promoted that my credit file has been blocked and used for promotional purposes. I have mailed and called XXXX XXXX XXXXXXXX XXXX to exercise my lawful rights as a consumer to remove this.
I have further come to realize that XXXX XXXX XXXX, XXXX XXXX knows that under the Fair Credit Reporting act, Congress states that, XXXX XXXX XXXXXXXX XXXX shall provide consumer reports to be fair and equitable to the consumer. XXXX XXXX XXXXXXXX XXXX has allowed furnishers to furnish inaccurate information without notifying the me Pursuant 623 ( A ) ( 7 ) 15 USC 1681s-2 VIOLATIONS-This is a notice informing XXXX XXXX XXXX XXXX that your are violating federal laws because the data furnishers failed to send a written notice prior to or within 30 days after reporting negative information about a consumer. The data furnisher has reported charged off accounts, collections, bankruptcy, addresses, phone numbers employment places and late payments to my credit report without sending me a written notice as required by federal law section 623 ( a ) ( 7 ) ; 15 USC 1681s-2 ( a ) ( 7 ) ; 12CFR 1022.1 ( b ) ( 2 ) ( ii ).
Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. Congress states that when a consumer receives no benefit it is classified as aggravated identity theft. All financial institutions listed along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity.
Congress has noted that XXXX XXXX XXXXXXXX XXXX is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, standing credit capacity, character, and general reputation of consumers. Congress has also made it clear that XXXX XXXX XXXXXXXX XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681.
Because of XXXX XXXX XXXXXXXX XXXX constant neglect to appropriately carry out your grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. XXXX XXXX XXXXXXXX XXXX acted impartially towards me by furnishing inaccurate information, defaming my character and reputation with no proof.
Due to XXXX XXXX XXXXXXXX XXXX constant neglect to appropriately carry out employment, restraint in commerce with my business and is costing me by ruining my consumer credit report. By the Provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report and I demand that you provide me with concrete evidence and all documentation proving that all information listed is accurate under title 15 section 1681 ( b ).
XXXX XXXX XXXXXXXX XXXX I am aware that late payments pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. XXXX XXXX XXXXXXXX XXXX has no authority to furnish this information. XXXX XXXX XXXXXXXX XXXX the Federal Trade Commission will hold you liable for this noncompliance of the law. XXXX XXXX XXXXXXXX XXXX its your responsibility to make that data furnishers notify their customers when they report negative information about them to a consumer reporting agency. I have not received a written notice in mail from the data furnishers who reported the negative accounts that clearly states they were going to report my delinquent account information to credit bureau. XXXX XXXX XXXXXXXX XXXX it is evident that you do not have a copy of these written notices in my profile from the data furnisher to prove that they are complying with the law.
Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. Congress states that when a consumer receives no benefit it is classified as aggravated identity theft. All financial institutions listed along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity.
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12/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Company has violated multiple FDCPA Laws, please see below.
As the original consumer/ creditor, I have been misled and used by Capital One Auto finance and intend to get full repayment for this financial transaction. Capital One Auto has violated me as the original consumer in the following ways : - 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given Cap One Auto permission to contact me by phone, email or mail, I actually sent a cease and desist letter in XXXX XX/XX/2020.
- 15 U.S. Code 1692e. False or misleading representations : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. Capital One Auto has used misleading contracts that do not show them as a party who signed the contract, rather it was assigned to them without my knowledge at the time of the contract being presented. I also sent an affidavit of recession, which is attached, to cancel the contract and release my self from any financial responsible to Capital One Auto finance.
- 15 U.S. Code 1692g - Validation of debts : ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I was never sent any information regarding the original creditor, unless Capital One is Admitting I am the original creditor, as they sent me paper work bearing my signature and the dealership where the purchase was made.
-15 U.S. Code 1692h - Multiple debts : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. With respect to this law, I would like all funds to be returned in full to me, seeing I have been disputing this account and was not able to get any remedy at the time.
- 15 U.S. Code 1692j - Furnishing certain deceptive forms : ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Capital One Auto Finance has furnished documents that give a false narrative that I owe them for my credit that was used to purchase this vehicle. Capital One Auto finance noted they were waiting until they received the check before my account could be loaded in their system for me to make payments, I now learned that check was created from my signature and social security number.
Lastly, all original documents sent to Capital One Auto finance in XXXX XX/XX/2020 are attached. And for further reference to the FDCPA laws and guidelines please visit https : XXXX - According to 15 U.S. Code 1692a - Definitions for clarity ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692 f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business, the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ;
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08/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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on XX/XX/XXXX my partner submitted a payment to Capital One on my behalf through a phone payment giving routing number and account number for the sum of XXXX dollars for an electronic transfer payment. We received a confirmation number.
I followed up with Capital one 2 business days later when the payment had not posted. they said it had posted but there was a " hold '' that is would release in 6 days. It did. On the XXXX XXXX I got an email stating the payment had been returned by the bank. My partner and I called Capital One. We reached an offshore agent ID # XXXX. We informed him a payment request was not presented to the bank from capital one and there was no reason it would have been returned. At that point agent called the bank with us on conference call. The bank agent confimed no payment had been presented to the bank for payment by capital one. No payment had been returned there were plenty of funds in the account. The agent then listened to all my partners secure information and said he would initiate another payment. This was while we were on the phone with the bank agent. He took the account information and account number and said he was processing the payment. The bank agent myself and partner were witness to this. I then asked how this was going to reflect on my account negatively he seemed confused and said my account was current. At that point I asked for a supervisor. Her ID # XXXX We explained in a conference call what had happened she indicated she was a supervisor and she could see no returned payment. She said it was not in the system yet and call after midnight. She also said that the previous agent # XXXX did not process the payment as he said he had.. She said she has no idea why he had not and again processed the payment for {$350.00} and said she would not be able to tell why the other payment had rejected because she could not see the return in the system. She said that if an agent had erroneously entered the information incorrectly on the original payment then I would not be adversely effected with negative credit reporting. We hung up the call and I checked my Capital One account online. The online screen showed a returned check. I immediately called Capital One back ... confused as to why the agents had told me they could not see any payment returned in their system..I then spoke with another supervisor # XXXX She told me she could see the reurned payment and had no idea why the other agent could not see it ... said she " must not have looked in the correct screen ''.
I had to go through the whole story again. She said the original payment on XX/XX/2018 was returned NSF ... .I said that could not be possible because there were funds in the account and the bank had already confimed with previous agent in conference call that no attempt had been made by Capital One to process a payment for XXXX. On the XXXX thru the XXXX of XXXX and there had been no rejection of payment. I told her I was very concerned the offshore agent # XXXX had said he was processing another payment today with the verified bank account..he took all the information routing and account while on the conference call with the bank. He listened to all secure information ss number, mothers maiden name, DL number, DOB everything!! He said he was processing replacement payment as witnessed by myself, partner and Bank Agent but he did not do so. Why did he take all those secure details and not process? I believe this to be a security breach of my partners bank details. The agent absolutely did NOT do what he said he was doing. He said he processed a payment. Agent XXXX was not particularly concerned. She said there was a process. I told her I wanted to open an investigation as to what had happened with the original payment that was called in over the phone on XX/XX/XXXX. The correct information was given at that time and yet the payment was never presented for processing. She told me she had no way of knowing what account it was presented to ... I said that was ridiculous Capital One had to know..She would not open an investigation as to my security concern over the agent that said he was processing a payment today but did not. She was not helpful as to why supervisor XXXX said she could not see any returned payment when it clearly reflected in the system. In addition she would not open an investigation as to why Capital One is saying NSF return and yet the bank account was never presented with a charge and no payment was returned from the account that was given in the telephone transaction.
The agent XXXX denied my request for a manager. She indicated all she could do was open an executive relations complaint and someone would get back to me but she had no idea when! I called back again and asked to speak to someone in the security department. I got another " supervisor '' # XXXX..She said she was going to investigate for me ... .went away and then hung up on me.
I spent over 5 hours getting the runaround from these call centers.
I believe that the agents do not protect your security and give the runaround. The correct information was given on the XXXX and for some reason it was not processed correctly. Now they are saying i am late when they did not even present the charge.
every agent gives a different story. This is disgusting. Moreover I believe the one offshore agent has possibly conducted ID theft. He took all the information and did not process the payment. He listened to all the secure identiying info while on with the bank. He blatantly LIED when he said he was taking the info to process payment.Capital One will not respond or act on this potential security breach.
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09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was a victim of identity Theft all my personal information was compromised and used with out my permission. The whole ordeal was a complete nightmare. Once I realized what happened & what was going on which was from Capital One calling me to collect payment on a account I never used saying it was late and charged to the max. After receiving that call I checked my credit reports and realized all my Information had to have been stolen I didn't no how it happened until I was going down the list of accounts that were either opened with out my consent or accounts that were mine and were fraudulently used with out my permission. I called Capitol One Bank credit card and spoke to the person in fraud department or credit Department a guy named XXXX XXXX & I will never forget that call because I was so stressed out and I was still clue less as to how this all even happened and this guy had the thickest accent I have ever heard and yet he had the most regular name and I immediately thought it was a alias or something and at that point I was not trusting anyone. Well during that conversation I explained my situation and this man said and I quote " people that are stupid and don't have parents spend on credit cards they can't afford. It was absolutely disgusting and very offensive even though it didn't apply to me it was still rude and it showed a total disregard for my situation. this gentleman then went on to say that there is nothing he could do for me and that Capitol One ALWAYS gets paid one way or another & when I asked what did he mean by that he simply said that I will know soon enough. It was so bizarre I wasn't sure if he was joking and I remember thinking maybe I just don't understand if he is joking with me because of his accent but he definitely wasn't because he than proceeded to say that the only way he could see me getting out of this with out capitol one suing me and filing all types of legal judgements and liens was if I filed bankruptcy. When he said it he lowered his voice and kind of whispered it to me In a very low tone & at the time I felt like he was trying to help me and I believed he was telling me the truth. So shortly after that and after being financially in ruin from all this I wasn't able to work and I couldn't figure out a way to fix this and all I could remember is what XXXX from capitol one told me that I should file bankruptcy I just really didn't want to and I wanted to exhaust all my options before I did so. So I filed a police report to document the theft and After a few months of no forward progress and my credit in ruins I decided it was my only option, so I decided to get it over with and I was able to settle all my debts for all of the comprised accounts for all the charges that were mine. Once I did that I learned that I was supposed to fill out a identity theft affidavit and bring it to the police station to get signed since I had filed a police report and send it to the credit bureaus with all the documentation to back up all of my claims. So I did that and I was very organized I made sure I had all the documentation in order and I submitted it and to my relief almost every thing that was supposed to be removed was removed except for these 4 accounts. All 4 of them were part of the accounts that were either opened fraudulently used fraudulently and all part of this identity theft. All of which were paid off and had zero balances but the fact they were still on my credit report and reporting negatively was ruining what ever chance I had at restoring my life and my finances after this identity theft. I have tried over and over to have these removed from written disputed with bureaus and directly with the creditors. They keep saying they are accurate and its incorrect its absolutely impossible they are accurate because I submitted all the documents proving other wise. Now since so much time has passed they have violated a New York State Law that states collection accounts, Charge off accounts and Other types of closed accounts only can remain on a persons credit report for 5 years from the date of the first delinquency which in all of these instances was XX/XX/XXXX. After the 5 year mark those accounts Must be removed at the consumers request. So since I have tried over and over in the past and I also have since requested the removal based on the fact I am a New York State resident & I thought these 2 companies Capitol One & XXXX and 2 bureaus XXXX & XXXX operated and followed the law like XXXX has. XXXX was able to realize they were violating the law and decided to remove them right away but the fact that XXXX and XXXX have not is a total disregard for the rights put in place by the FCRA to protect me and millions of other people from un fair and unlawful practices just like this. So can you please help me with this situation the last thing I can afford right now is to hire a lawyer to take legal action because I have lost so much already but if I do not get this resolved quick I will continue to lose much much more in the long run.
the accounts I am referring to are 3 Capitol one accounts and 1 XXXX XXXX XXXX card accounts the information and account numbers are listed below XXXX XXXX XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX First Delinquency XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX opened XX/XX/XXXX & first Delinquency XX/XX/XXXX XXXX XXXX Account # XXXX openedXX/XX/XXXX& first delinquency XX/XX/XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX & first delinquency XX/XX/XXXX As you can see once you look at these dates they are required by law to remove these immediately. thank you for helping me with this.
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09/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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When seeking car financing options, we applied with Capital One Auto Financing on XX/XX/XXXX. We were instantly approved by phone for a loan of up to {$75000.00} and informed to log into the Capital One Auto Navigator ( COAN ) to view the approval letter and research available vehicles. As we had already selected the exact vehicle we would be purchasing, it had been removed from the dealers website inventory while in transit. When we could not locate the vehicle on COAN, we called Capital One wanting to know the APR being offered on that specific vehicle and provided the VIN. The representative stated they could not provide the APR since the vehicle was not available on their COAN website. We were instructed to take the generic approval letter to the dealership when the car arrived, have the dealership call Capital One and at that time would we find out the APR.
Being curious about what interest rate we would be offered on vehicles which were listed on COAN website, we began searching for vehicles as similar in nature as possible to the XXXX XXXX XXXX XXXX that we had selected from our preferred dealership XXXX of XXXX XXXX, Oklahoma. The nearest similar vehicle available on COAN was located at the XXXX in XXXX, Texas, and offered at 5.43 % APR. On similar vehicles also located in Texas and available on the COAN website at any dealership other than XXXX, we were offered 2.65 % APR. Based on COAN estimates, selecting to purchase through XXXX would result in an average 49 % higher APR compared to other dealerships ( See Exhibit A ).
To determine if this was unique to the XXXX XXXX XXXX XXXX or to searching in Texas, we began to research other vehicles available in our home state of Oklahoma on the COAN. Whether attempting to compare similar vehicles or random vehicles, WITHOUT EXCEPTION EVERY VEHICLE VIEWED AT ANY DEALERSHIP OTHER THAN XXXX WAS OFFERED AT APPROXIMATELY HALF THE INTEREST RATE. This result remained consistent across all researched vehicles. Exhibits B, C, D, XXXX, F and G demonstrate the actual financing offers extended to us by Capital One Auto Finance was 48 % greater if we elected to purchase from XXXX.
Capital One Auto Finance was contacted through their website Contact Us link on XX/XX/XXXX inquiring why XXXX was singled out for higher rates. No response has been provided to date.
Capital One Auto Finance was contacted via phone on Friday, XX/XX/XXXX. After fully explaining the issue to the call intake representative, it was escalated to a supervisor who stated she would reach out to the Office of the President and to please hold. After a few minutes, the supervisor did return stating she was attempting to reach someone. She again returned approximately 10 minutes later, stating that the entire Office of the President was in a meeting and unavailable the rest of the day but that someone would reach out within 48 business hours.
We received but did not answer calls from Unknown on XX/XX/XXXX and XXXX, XXXX, leaving messages which were very difficult to decipher, stating that it was XXXX with the Office of President of Capital One and she could be reached at XXXX. Calling that number results in the Were sorry. You have reached a number that has been disconnected or is no longer in service recording.
Being unable to understand the phone number left by XXXX, we called Capital One Auto Finance on XX/XX/XXXX, to determine how to reach out to XXXX with the Presidents Office. After again explaining the nature of the call, we were put in touch with an escalated resolution services representative/manager at approximately XXXX XXXX EST. This representative stated the Presidents Office closed beginning at noon EST today and it would be closed the remainder of the day. When asked if that was every Tuesday or just this Tuesday, it was just this Tuesday. When informed that was the same story told last Friday afternoon when the entire Presidents Office was also suddenly in a meeting for the remainder of the day, the representative did confirm the telephone number for XXXX of XXXX is correct, as noted on our account record. Capitol One stated that these calls are recorded. While waiting on hold, searching the Capital One Auto Navigator again revealed the same results. Without exception, every vehicle viewed at any dealership other than XXXX was offered at approximately half the interest rate.
Capital One representatives carefully follow their script, continually reiterating things on which we all agree. Although they may be similar, no two vehicles are alike. The offered APR/interest rate is based on many factors, including the applicants credit and employment. A specific vehicles condition, mileage, or location may affect the interest rate. We absolutely agree.
What we have been trying to determine is why Capital One Auto Finance is charging consumers double the interest rate for selecting to buy from XXXX. We would like to know if there is a legitimate reason for charging double the interest rate based on the single variable of choosing only this Capital One Auto Finance approved dealership. In a free and fair marketplace, this seems unethical.
If we had not had good credit and the luxury of time, this may not have been discovered. Had we walked into XXXX, presented the generic approval letter, and accepted 5.43 % APR, it would have cost an additional {$1700.00} over the life of the loan when compared to any other dealership offer of 2.65 % APR for substantially similar vehicles. Thankfully that did not occur to us, but it makes one wonder how many other consumers this has impacted, not to mention the potential harm to XXXX.
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04/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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To Whom It May Concern : I am reaching out for your assistance in collecting further information from Capital One with regards to a series of fraudulent debits from my bank account.
On XX/XX/2021, I noticed that a series of 13 small XXXX transactions ranging in amounts of {$50.00} to {$1000.00} and totaling {$5400.00} had been made between XX/XX/XXXX and XX/XX/XXXX from my Capital One account. Consistently over the past 10 years in which Ive held this account, there are only a handful of transactions that are processed through this account on a monthly basis. Most recently, this has been rental income received via XXXX and mortgage/tax payments made via ACH transfer. I had rarely, if ever, used XXXX for any outgoing transfers with this account, as it is not my daily banking account for small transactions.
Reviewing the records further, these transactions appeared to be directed to an unknown account. Immediately, I had called Capital One to let them know that these 13 transactions were fraudulent and had not been authorized by me. They took note of my claim and informed me that they would investigate and notify me of the status of the claims in coming days.
To check on the status of the claims, I had called Capital One on or about XX/XX/XXXX. The person who I spoke with let me know that the transactions all originate from the device that I use on a daily basis using the same IP address that I regularly access the account from each time. This was odd to me, since it is an account that I access online every 10-15 days given the limited financial activity I have on this account. In order to further validate that it was not another user on the account, the representative requested to speak to my wife ( jointly on the account ) and had her verify that she had not lost a debit card or authorized these transactions. They let me know that they would continue looking into it after that.
On XX/XX/XXXX, I received mailed notifications from Capital One that each of the 13 claims had been denied, given that We looked into this, and our research shows the payment was processed according to your payment instructions. Additionally, they informed me that they had terminated my joint account with my wife, as well as that of my XXXX son which was associated with ours. Additionally, they let us know that we were no longer welcomed to bank with them.
Knowing that these claims were fraudulent, I decided to go to my local police station to file a police report that would act as further documentation for my claim. I then called the bank again to request further information and a secondary investigation into the case. XXXX from Capital One had once again explained to me that the claims were denied as they had mapped to the IP address that I had previously used to access the account. However, as he was looking into this further while on the line with us, he noted that there were 4 different IP addresses associated with the transactionsthe first 6 were associated with one IP, the next 3 with another, the next 3 with yet another, and the final from yet another. I noted these IP addresses during our conversation and am able to provide them on request. Importantly, this contradicted what we had previously heard from his colleague. As such, he had the claim appealed for further investigation, asking me to also e-mail in the police report as supporting documentation, once it had been received.
When I once again called Capital One on XX/XX/XXXX for an update on the status of this appeal, XXXX informed me that it had again been denied after further investigation, with the bank alleging that they are able to show that all of these transactions had originated from a device that I had authorized and used on a daily basis. I then spoke with his supervisor XXXX and requested further information to better understand how this could be the case, given my limited usage of the account, and was informed that I would receive the requisite documentation to show that the transactions were from an authorized device within 2-3 business days. It has since been 8 business days and I still have not heard back.
Given the lack of transparency and conflicting information that I am receiving from Capital One, I am reaching out requesting your support in getting responses from Capital One on the following questions : Why wasnt this activity flagged, given how anomalous the series of logins and transactions were against my normal activity on the account?
What further documentation can I provide to show that this is fraudulent activity?
What documentation is available to show that I authorized these transactions myself using my own device?
Supposing there are any discrepancies in the information that I receive from Capital One, further evidencing that this is fraud, can my claims be revisited so that I can have the fraudulent transactions reverted?
For your reference as you review this complaint, I have attached a PDF containing the following documentation : Police report from the local police department 13 mailings from Capital One stating that each of my claims have been denied Mailing from Capital One stating that my wifes account had been terminated Mailing from Capital One stating that my account has been terminated Statement to show ending balance in my sons account Statement to show ending balance in my account Please let me know if theres any other documentation that I can provide that would be helpful as you assess, as Id be happy to compile and send that over. I wholeheartedly appreciate your help in looking into this matter and working with me to rectify the situation.
|
08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : CAPITAL ONE with Account XXXX for a debt you claim I previously owed of {$4100.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXXx, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
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02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, XXXX XXXXXXXX Card ending XXXX Capital one Dispute # XXXX Companies involved with this issue : XXXX ( Merchant ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Event Organizer ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXe XXXX XXXX XXXX Number : XXXX Capital One ( The credit card I used to make this purchase ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX, i made two purchases to the XXXX XXXX concert that was going to be held on XX/XX/XXXX through XXXX XXXX. One purchase was for me and my husband, and the other for my inlaws. Due to what has been happening with the pandemic, i purchased insurance in the event if i was unable to attend. On the day of purchase, i wanted to modify my tickets to a better seating but XXXX XXXX advised me that there were no refunds. I was made aware that refunds were not allowed with the exception of testing positive for covid or selling the tickets was the next best option.
Not sure if this was XXXX XXXX announcement or XXXX ( event organizer ), it was announced on XX/XX/XXXX, that attenders would need to be fully vaccinated or test negative for covid within 72 hours of the event in order to attend. If this was disclosed, i would have not bought the tickets in the first place. I KNOW FOR A FACT THIS WAS NOT DISCLOSED AT THE TIME OF PURCHASE.
I was excited to attend the show and considering i was a XXXX XXXX fan, i was really looking forward to attending. I XXXX XXXX XXXX and me and my family decided to follow the testing process to attend. Me and my family have been trying to schedule a covid test for the past two weeks, prior to the concert, and was unable to find any clinics or stores that was available to test within my available work schedule and time frame which the event organizers required. It was either too early to schedule for an appointment or no appointments were available ( this was for XXXX ) or i had to meet certain criteria in order for the clinics to test me and my family. they advised my insurance had to cover it and if me an my family tested positive for covid in the past, which we never had covid. Given the many stipulations with the event organizers, and stores/clinics being possibly short staffed or lack of supplies, i had no success in trying to get tested. Most of these places couldnt guarantee getting your results within the time requested.
I reached out to XXXX XXXX on XX/XX/XXXX because i could find any place to find testing to get a refund, they denied my request and referred me to the even organizer because refunds were based on the individual event organizers guidelines. They also advised me that i can contact my insurance and that my insurance was bought by XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX, and they advised that based on my situation, they could not help me. They basically said i had to be sick or test positive for covid in order for me to get my money back.
I submitted a dispute to capital one about my situation and the advised a claim was opened and suggested i contact the event organizer at XXXX on XX/XX/XXXX. I left a voicemail at the XXXX and someone finally contacted me back. I spoke to a person that was soo rude. I basically told him everything that happened, and he said that he was sorry and that they are unable to offer a refund. he advised that since this was a known issue, he said that XXXX XXXX was offering onsite testing that day and the day of the event during the evening. I advised him that i would try but me and my husband were working and i couldnt guarantee that my inlaws would be available. I explained to him that they live almost an hour and half away from their location. I asked if in the event we were unable to attend, if we can get a refund, he said no. I was so upset because i tried to explain to him that i have been trying to find a place to test for almost 2 weeks prior to the event and that i couldnt just call off work to take a test. keep in mind, this is 2 days prior to the event. If the wouldve send out emails or some type of communication, i wouldve scheduled paid time off to get tested but it was soo soon i couldnt find a way to get tested. I even explained to the guy this was never a requirement and advised at the time of purchase and he told me if you were vaccinated this would never be a problem and went on with this whole XXXX of why we should get vaccinated and that unvaccinated people are super spreaders. Totally irrelevant and besides the facts. He was totally condescending. This was such a horrible customer experience. They made me feel they were stealing my money. I even asked the guy if we can use test kits and he said they were not accepting at home kits because they were unreliable. Which is weird because stores were selling them.
I am just upset by XXXX not being able to make exceptions due to the constant changes in this economy. I am sure there are others experiencing this. I just want my full refund back totaling {$680.00}.
I tried to dispute this with Capital One ( dispute # XXXX ) to see if they were able to assist but they advised me my claims denied due to the charge being over 60 days. But how is this fair when i haven't even rendered the service at the time of when i submitted my dispute? How is this even a rule for Capital One when most customers purchase products/services wayyy in advance for availability, special promotions, or being on sale?
This is so unfair, deceptive, when this was never my fault. I couldn't even take a covid test due to the lack of supplies of employees providing these services.
|
06/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
Title : Affidavit Of Truth Date : XXXX XXXX XXXX To : XXXXXXXX XXXX XXXX Company To whom it may concern, Recently I have taken part in an auto loan with CAPITAL ONE BANK which was used to finance my XXXX XXXX XXXX XXXX. The car was bought from XXXXXXXX XXXX XXXX which formed the fraudulent contact that was presented to me. In the contract that was signed by me, The consumer/ original creditor, a section labeled Finance Charge was included. At the dealership, I was defrauded by the salesman who sold me the car and the corporation CAPITAL ONE BANK when I was wrongfully informed that the Finance Charge was extra interest added onto my auto loan. According to The United States Code, 15 USC 1605, the definition of a finance charge is ; ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.
According to the United States Code the finance charge is the SUM OF ALL CHARGES, should have included premium insurance and does not include charges payable in cash transactions. Neither of these items were told to me which is a violation of my rights. According to 15 USC 1632 ; ( a ) Information clearly and conspicuously disclosed ; " annual percentage rate '' and " finance charge '' ; order of disclosures and use of different terminology Information required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of the Bureau. I was forced to pay for my own insurance which wasn't included in my finance charge when it is considered mandatory according to the lawful definition of Finance Charge. I was told that a car note would have to be paid in the amount of {$480.00} every month which clearly goes against the fact that the Finance charge is supposed to be the Sum of all charges. Also I was never warned that the finance charge is not supposed to be paid in cash but is supposed to be paid through a credit card. The fact that youre attempting to get me to pay on an imaginary debt is correspondent with 15 USC 1692E which states ; Using deceptive means to coerce a consumer into paying a debt 15 USC 1692E ( 10 ). I am appalled at the way that I have been treated by your corporation. CAPITAL ONE BANK and XXXX XXXX XXXX owes me reparations. As the original creditor/ consumer who regularly extends their credit, I demand that these alleged debts are erased and my original title to my XXXX XXXX XXXX XXXX is sent to me immediately. According to 15 USC 1341. Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loansuch person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
I demand reparations for my trouble or someone will be in trouble for these preposterous actions. Another violation that was committed against me stems from the XXXXXXXX XXXX XXXX and CAPITAL ONE not explaining to me my Right Of Rescission. According to the United States Code, 15 USC 1635, ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day Clearly, I have the RIGHT to rescind the transaction until midnight of the third business day. XXXXXXXX XXXX XXXX and CAPITAL ONE has blatantly violated multiple Consumer Laws and has created a plethora of violations against me, and on my auto loan contract. Purposely hiding my Right of Rescission makes XXXX XXXX XXXX and CAPITAL ONE Criminally liable for hiding all of this information from me and Civilly liable for all of the other violations formed against me. According to the United States Code, 15 USC 1611, it states that Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
My contract was created through fraud, and fraud trumps any solemn contract. I expect that this contract will be Voided, my Down Payment of {$1000.00} will be double and refunded to me, my title to the car will be mailed to my address, and I will be sent a check of {$5000.00} for your company willingly not disclosing any of this information with me before signing the contract. I will not be bullied and I will not hesitate to take legal actions against XXXX XXXX XXXX
|
02/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/2019, my Capital One Visa card showed an electronic payment of {$4400.00} was made to my account. At the time, I was under the belief that a company that I was working for called XXXX XXXX, XXXX XXXX ( website is XXXX ) was supplying me funds to buy XXXX Products to send to United States addresses. I was in constant contact with this company and was advised exactly how much funds would be on my account and that it took about a week to clear and would see it on the card when available. So when I saw that the transaction went through via Capital One, I had no doubts not to still trust that this was a legitimate company. I bought the 2 products that I was instructed to do ( I have XXXX records of where they were sent ) and was actually given a bonus through my XXXX account for getting it completed in a timely manner. ( I have the XXXX account where it was sent from ). On the Capital One site it showed the deductions of the funds to cover the purchases was being subtracted from the initial funds and did not think anything was wrong. XXXX XXXX, informed me they would send over another electronic payment when they needed me to make another purchase. A few weeks went by, and onXX/XX/2019, another electronic payment was made to Capital One and showed in my account as a {$4900.00} credit on my account. The next day, I bought 2 more XXXX products and shipped them to the instructed address. That same day, XXXX at about XXXX, I got a call from Capital One. They told me I needed to show Bank Account information from where the money was coming from and until then my account was going to be put on hold. I told them that my employer was paying the bill and I would get the needed information and get back to them. I immediately called my contact at XXXX XXXX, a man named XXXX, they assured me that happens often and I would get the needed papers by next week, but since it was right before XXXX, it may take till the end of the week. I was still in contact with XXXX that entire next week, and then about XXXX on XXXX XXXX I tried again to reach them to tell them I need to clear this up with Capital One, I no longer had access to the companys web portal where I had been doing most of my communications through and no one was returning my calls or emails. That is when I started to feel very uncertain about the situation. On XXXX XXXX about XXXX, after days trying to reach someone at XXXX, I called Capital One. I spoke to them and said I didnt understand how they would allow me to have a surplus on my credit card if the electronic payment had not gone through properly and why would it have taken 18 days to know that it was not cleared. Then I said I believe I have been a victim of fraud. I was on the phone with them for over an hour and told them I would call back once I had more information. I then spoke to my attorney friend and my brother in law who is a former Secret Service agent, and he definitely thought this was a scam. My brother in law said I need to write out a detailed timeline of the entire ordeal ( which I have with evidence ) and file a police report. I filed a police report with the city I live in XXXX County Florida, one on the Federal Trade Commision site, and also on the Federal Bureau of Investigation Internet Crime Complaint Center. I called Capital One again on XX/XX/XXXX, first time at XXXX. I spoke with someone from the Fraud department named XXXX. She tried to explain that Capital One didnt know the funds were not coming through properly via the electronic payment that occurred on XX/XX/XXXX until XX/XX/XXXX. But Capital One allowed another electronic payment from XXXX XXXX became available on my Capital One credit card on XX/XX/XXXX. It was not until, XX/XX/2019 at XXXX was the first time they were notifying me that the funds were not there and I needed to supply documentation. My husband was on the phone with me, and we questioned the fraud specialist why it would take 18 full days to see that the funds did not go through. If I had been informed by Capital One much much sooner, I would have STOPPED this and NEVER moved forward with another payment supposedly going through and NEVER would have bought anymore products for my job. The agent, XXXX, also thought that was an excessive amount of time for a payment to be cleared and she put us on a hold so she could look into some other things - as she said. I was on hold for at least 20 min before the call just hung up on me. I instantly called back Capital One, spoke to a Fraud Specialist named XXXX, she was unable to let us know what the parameters Capital One has to notify a customer when funds do not go through correctly. She was short with myself and husband who was on the call, and then we asked to speak to a supervisor. Fraud Specialist Supervisor XXXX, got on the line with us and we once again I told the entire story and she also did not say or know if there is a timeframe when Capital One notifies a customer that an electronic payment ended up being false, and that I will be responsible for the balance and any interest it may occur. I believe Capital One was as much a victim of Internet Fraud as I was, possibly more so since they are the ones who released funds to my account without having clarification if it was truly a real electronic payment. Like I have stated, I would have NEVER made any purchases prior to seeing that there was an electronic payment that gave me that surplus of funds on the credit card to begin with on the card. Capital One has a flawed system and they need to see that it needs to be fixed before this continues to happen to others.
|
02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
In the month of XX/XX/XXXX, I opened a credit card account with capital one bank. My first payment of {$160.00} was not due until XXXX XXXX XXXX on XXXX XXXX XXXX. I contacted capital one bank by telephone and requested to make the current payment due and to pay the amount in full. the amount of XXXX upon speaking with a capital one bank rep, I was never directed to make the payment trough an automatic debit/credit card payment system in which I would have preferred to take advantage of if it were available for security reason as well as fraud concerns. I'm truly NOT secure with giving out bank info over the phone, there just too many things that can possibly take place that can cause a massive negative and undue hardship effects to my account and finances available. but I was instructed to do so in order to pay the amount currently due at that time. so, I read off my account and routing number info over to the capital one rep from a certified bank document which contains both my routing and account number in which was being used to pay the amount due for my capital one bank. a few days later I received two emails one saying my credit score has dropped dramatically, and the other from capital one bank saying that my payment has been returned and also addition fee, penalties, and interest has been applied. I first contacted my bank in which the funds were being issued to make sure there was no issue with the fund available in the account being used to pay my capital one due payment. and the bank confirmed that the funds needed in the amount to pay my capital one bank due payment, was indeed available and there was no issue on their end as far as issuing the transaction request to pay my capital one due payment. so, I then contacted capital one bank and inquired about the returned payment and what can possible be done to correct the error and also to address the concern about the fees which were applied to my account and the errors that has affected credit report dramatically. even in the time prior to speaking with anyone concerning the error on my account in question, I noticed on the email sent by capital one bank about the returned payment, stating that there will be no fees applied to a returned payment. the email contains this information located at the bottom of the capital one bank email. so, I was very much confused. First, in regards to the returned payment error. and second, in regards to the additional fees, penalties, and interest applied to my account and credit report with this error in question. upon speaking with a capital one bank rep and requesting to speak with a supervisor. I then asked the supervisor can she please help me to understand these errors on my account? the supervisor told me that I had to pay the amount due and that was pretty much all I can do. so, I requested for someone to please take a look into this matter a bit further. upon calling and speaking with the bank again concerning the errors on my account and credit report in question. they told me that there was nothing they can do these errors were my fault and that the fees for the month of XXXX must be played in full. but my bank said the funds were available for use in all matters even such matter like paying my capital one bank payment. so, I didn't know what to do. the payment t, the fees, penalties, and interest carried over to the next month of XXXX causing an even bigger negative effect on my account balance and my credit report. causing my credit score to drop over 190+ points in a single month of XXXX. A 190+ point drop in a single month. I now have lost over 200+ point of my credit score, I couldnt get the vehicle I planned to get for my birthday on that XX/XX/XXXX. in which was one of the reasons for getting the credit card in the month of XX/XX/XXXX so that by XX/XX/XXXX ( the month of my birthday ) I would have built some credit history to start to take advantage of a new life. before the errors on my credit score in XXXX my credit score was in the XXXX 's after capital one bank errors with my account my score dropped over 200+ point in two months and an over XXXX points in just the single month alone these errors totally crushed my dream I was working so hard for. and also started a spiral downfall along with the COVID-19 19 pandemic at its peak. the shutdown started at the same time capital one bank errors on my account shut me down. the months of XXXX and XXXX XXXX so, I was battling both loss of job and loss of credit worthiness due to an error by capital one bank which caused a negative domino effect. so, I contactedXX/XX/XXXX and dispute the errors on account and my credit report. the credit agency was able to restore the month of XXXX but not the month of XXXX. in which the month of XXXX was in delinquency ONLY by cause of errors and additional fees, penalties and interest wrongfully applied to my account and in dispute already by way of the month XXXX being in dispute and in question. so, by XXXX fees penalties and interest being wrongfully applied and not rightfully settled the month of XXXX was affected by the same fees, penalties and interest that was applied for the month of XXXX also. so, this amount did not reflect the true amount due and by way of that action of error have caused an undue hardship for me and my family, EVERMORE during this COVID-19 pandemic. Please help me to restore my Life that I worked so hard for to its rightful position by way of my credit report credit standing, credit worthiness and ANY and EVERY way these errors by capital one has affected my credit report ( my wellbeing ).
|
01/25/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I financed a Car from XXXX XXXX in XXXX, AZ financed by Captial One Auto Finance. I fell sick and had too take a medical leave from work due to my XXXX running out. While unemployed I feel behind on payments I am not 63 days past due when I first got sick I asked them for a hardship or if they could deffer the payments just until I could get better just for a couple months I was having a XXXX to help it so i may return back to work they said no only option is pay or get repoed so I tried my best to make payments as I could. Recently I returned back to work and have been trying to get caught back on in XX/XX/XXXX a representative from the Collection Deptartment in their 3rd level collections called I advised my situation and said I just got back to work she said pay or we repo it so I said how much can I pay to avoid that they said XXXX I paid that then I scheduled 2 weeks after that XXXX payment and told the collection agent I would try to pay XXXX every 2 weeks until I am caught back up on the XXXX XXXX owed. 1 week after that XXXX payment I get a call I have the call recorded from a collection agent whos ID was XXXX saying that I need to make a payment today which was the XX/XX/XXXX or on the XX/XX/XXXX it was gon na go up for Repo I told her no please I can not pay until I get paid again on the XX/XX/XXXX I told her I advised the last representative I could do a payment every 2 weeks to get caught back up I am neglecting other bills to just get them paid to stop the harrasment. This representative became irate and started yelling at me that I needed to make a payment now I said ma'am I can not make my work pay me any quicker she but I could schedule a payment for the XX/XX/XXXX they could have my bank information and take it out automatically she said nope I can not do that I can not schedule a payment and I said but Capital One has done so before and they got there money and it has been past due longer and than what it is now I am trying my best she became extremely irate and aggresive and told me that maybe Captial One is tired of waiting on me. I informed her again I got sick and I am trying she said well we need a payment. I asked her was there anything I can do she said pay or it goes up for Repo I asked if I could then talk to her Repo department and work something out with them she said no you can not I then asked for her Supervisor since I was getting treated horrible I was in tears at this point. After 13 minutes on hold a supervisor comes on much more pleasent and we make an arrangement to schedule a payment for Capital one to automatically take out XXXX $ from my checking account on the XX/XX/XXXX. And I paid XXXX $ over the phone with her to complete a monthly payment. It was 93 days past due now it is XXXX with the XXXX payment. They calls stopped until yesterday the same collector XXXX who harrased me and became irate because I could not pay left me a message stating it was imperative I contact them at Capital One now that it is extremely urgent so I called back and they began demanding a payment again. I advised well I have a payment scheduled to pay it on the XX/XX/XXXX already I spoke with a supervisor and she stated ok we will wait until them but it is in the last stages of collections after that it goes to the Repo department I advised again but I have a payment scheduled on it she said ok and hung up. Captial One is still calling and harrassing me even though I am trying they said they offered me programs and solutions in the recorded call and I asked her what program you offered me nothing but pay or we take it everytime. I am really trying we need our car but the treatment the non stop harrasing voicemails left by Capital One the never ending calls 3 times a day and being harrassed and threatend to take the car when they have a payment of XXXX already scheduled is causing such emotional stress on us. XXXX XXXX last night is when I got the call harrasing me about payment when the payment has been scheduled since friday the XX/XX/XXXX caused me to not even be able to sleep constantly looking outside in a panic they were gon na take the car. I asked when I first got sick and asked for a hardship or anything that I can do for my contract I have signed with them to review if it has any options in it and they refused me but the contract all I have is the agreement with XXXX a long yellown form given at the dealership all it say about Capital One at all is they are my financing company that is it. I do not know my terms or conditions and not sure if it has a clause about the programs they said they offered me but never did or the options that were given besides pay or have it tooken away. I was forced to use social security to apply for the loan they took all my personal information drivers lincense numbers and all demographic information so they know everything about me and have used it to harrass me but I do not know anything about Capital One or the Terms or anything I signed with them. But out of every large payment I give them out of a XXXX $ payment XXXX $ goes to intrest and only XXXX $ to the principal. I have never complained because I am trying to get caught back up but they are harrasing me even when I have a payment scheduled and 1 week after I just made a payment for another payment I can only do what I can do and I really am trying I am. What other options do I have to have the abuse and harrasment to stop.I told them I would pay the past due completely off during tax time and will make a payment everry 2 weeks until they are paid in full again and I have been doing that.
|
04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates.
My information was obtained without permissible purpose.
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
3. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX.
4. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
5. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
6. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
7. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
8. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
9. I have not supplied proof under doctrine of estoppel by silence Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX I presume that no proof of The alleged debt Nor therefore any such debt in fact exist.
XXXX XXXX XXXX Account Number : XXXX I AM SEEKING LITIGATION, PLEASE DELETE AT ONCE. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n 10. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
11. I did not give written permission to report this late payment on my credit report please see 15 U.S. Code 1681 ( a ) ( 2 ) there is no such thing as a LATE PAYMENT plese see 15 USC 1681 I was not given the total finance charge with insusrance included up front 15 USC 1602 ( a ) ( c ) XXXX XXXX XXXX XXXX Account Number : XXXX I demand that this inaccurate reported late payment be removed update to Payed as agreed immediately.
12. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
13. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
14. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
15. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
16. I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.
17.I did not authorize this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once
|
04/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
On XX/XX/XXXX, I received a call from a woman claiming to be from Capital One customer service. She verified all of my info - knew my full name, email address on the account, home address, type of checking account, and that my card had just been cancelled for recent fraudulent activity. The woman even spoofed the number to appear as though it was Capital One XXXX XXXX ). Having known all this information, I assumed she was from Capital One, but obviously she was not.
While on the phone, she asked me to read her a two-factor authentication code to verify my identity. This is something that Capital One 's real customer service has you do to verify your identity. She was able to use the two-factor authentication code to hack into my account, and send herself {$500.00} using XXXX. Once that happened, she rushed me off the phone, which was obviously suspicious.I recieved an email confirmation from XXXX - a service I had never even used before - for the {$500.00} transaction. It did have the woman 's name and email address ( Name : XXXX XXXX, XXXX : XXXX ) but I have no idea if it's even her real name. There's no way to cancel a XXXX payment, and the company will not work with you to get your money back. They insist you go through your bank.
I called Capital One 's customer service back immediately after to verify that the woman I spoke with was from customer service, and it turned out she was not.
Capital One immediately froze my accounts and created a claim. The first agent I spoke with assured me that I would receive a credit in 10 business days. She let me know that she had seen similar issues before, and Capital One credited the accounts.
I was then transferred to a different department that I was told was going to help me set up new accounts and transfer everything over. Instead, after waiting on hold for 90 minutes, I was told that the bank would be ending their " banking relationship '' with me. Because I gave the woman on the phone the two-factor authentication code, I was then considered a risk to the bank. The customer service agent let me know that I could go to a Capital One branch to withdraw my funds, or wait 7-10 business days to receive a check in the mail. I live in Massachusetts - the closest branch is in XXXX XXXX. I could not travel across multiple states to deal with this, so I had to wait for checks in the mail as the first of the month frenzy of payments loomed over my head.
I finally received both checks, minus the {$500.00} I lost. I called a few times to check the status of my claim and was not given any information. Today ( XXXX ) I received a letter in the mail ( dated XX/XX/XXXX ) saying that my claim was denied because : " We finished looking into your claim and didn't find an error. '' I called the number listed on the letter asking for documentation of why my claim was denied, and asked to dispute the denied claim. The customer service agent I spoke with told me she would send documentation, and that I would receive it in 3-5 business days, but that she could not re-open my claim.. After I insisted on speaking with a supervisor, or someone who could re-open my claim, I was given a different number and was told to call back in the morning.
I am absolutely stunned that my claim was denied. This woman knew everything about me. Down to the type of checking account I had. Down to the fact that I had just cancelled my debit card a few days prior to the phone call. I have no idea how she got this information - but it was clear she had everything, including my password, considering all she needed to get into my account was a two-factor authentication code. I checked everywhere online XXXX myself, my phone number, even my old password to see if it was hidden somewhere and I couldn't find anything. I'm sure there are plenty of ways to hide it, but I honestly don't know.
I'm just extremely suspicious of the entire thing. She had so much information that only someone with previous access to my Capital One account could have had, yet she needed the two-factor authentication from me to log in. So, how did she have all the other information? Was she an off duty Capital One employee? Or is Capital One 's platform really just that easy to hack into? I've never had this problem with another bank, but this was the second time in about 6 months I had seen fraudulent charges on this account.
It seems weird that a case like this isn't being covered - it's clear fraud. I even XXXX it after, and there have been major mainstream news articles covering this type of scam. I'm obviously not the first person to fall for this. I feel like an XXXX for all of this, but more XXXX than anything else.
I don't think it's right that my claim was denied. They should be able to track where the XXXX payment was made from, right? Or see that I have never even used XXXX before, so I've obviously never sent this woman money. I have XXXX, XXXX, all forms of social media - you could easily go through and find out that I don't even know anyone named XXXX XXXX.
I'm interested to see what the documentation says, because it seems to me like they did not actually investigate at all.
The platform will not allow me to attach documents for some reason, but I am happy to provide confirmation emails from Capital One about the XXXX payment, a scanned copy of the letter I received in the mail, screenshots of the payment deducted from my old checking account, a screenshot of the incoming call from the above mentioned Capital One number, and anything else you can think of that may help.
|
02/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
On tuesday XX/XX/XXXX at XXXX I got an email from my bank account capital one stating We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity.
Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file.
When I called the number that was provided to me Ive gotten a voicemail informing me to leave my name my account number and they will listen to my voicemail and reach out if necessary within 48 business days so I did that.I then contacted the customer service department right after and they transferred me to the account security department I spoke to them and they informed me that they were ending the banking relationship and that my funds will not be available for withdrawal. I then informed the representative that I have a direct deposit coming from the IRS for my text refund and I wanted to know if that deposit will be rejected or it would be deposited they informed me that deposit will not be rejected. She then stated that I may call back on the XXXX and they will unrestricted count as a one time courtesy for me to withdraw funds because my ATM debit card is still active. I then proceeded to ask how much am I able to withdraw she then told me that she does not know the ATM withdrawal limit so she put me on a brief hold and she then told me that I am able to take up to {$2000.00} out at the ATM On XX/XX/2023 I called the account security department for them to on in restrict the account for me to withdraw funds The representative XXXX proceeded to tell me that I am unable to withdraw funds for up to {$2000.00} because there are pending claims on my account. He didnt put me on a brief hold for about 20 minutes and came back to tell me that I am only allowed to withdraw up to {$270.00} because the Claims I mailed it to {$3300.00}, I told him that I do not owe Capital One money because those claims have not yet been settled. He then told me that he can not unrestricted the account for me to withdraw any of those funds because of the claims on the account now from my understanding unless you owe money to Capital One, they can not restrict you from getting your funds out of the account. Yes, I received temporary credits for the Claims, but the claims are still pending research so I do not. oh, any money to them which they stated they will not close my account they just have my account restricted. I then proceeded to state their policy to XXXX, but he will not listen to me, and will not on restrict my account for me to withdraw funds in their policy. If my account is closed or theyre ending the banking relationship, they have to mail any remaining funds to me as a check or transfer those funds to my external account. If I do not owe any money if I do owe money, they will take the money from those claims that have been settled and then mail me a check of the remaining funds or send it to my external bank account. As of right now I do not owe Capital One any money and they are holding my funds and not closing my account out until the Claims have been resolved none of the Claims have been resolved they are all pending. I then stated to XXXX while Im in distress crying to the representative XXXX that please do not take all of my money. I even stated the policy and I also stated in the email I received when I filed the claim it states If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance.
We may contact you if we need additional info and we'll be in touch with the outcome of our investigation. when I read that back to XXXX, he did not acknowledge that he proceeded to then tell me that he is not unrestricting the account for the full amount. I am only allowed to unrestricted for {$270.00} and that is it so he then unrestricted the account I took out XXXX Ive been proceeded to call back to speak with someone different. because the previous representative XXXX upset me to the point where he had me crying over the phone. I even filed a complaint with Capital One about that representative. XXXX Then also unrestricted the account for me to take out {$400.00} which I did and then they put the restriction back on there. I also stated their policy and the email I received when I filed a claim and they still ignored it. I then proceeded to ask for a manager so they put me through to a manager. Her name was XXXX. She then was very biased against me. She also use the racial slur against me and she proceeded to kept telling me that she will not be on restricting the account for me to get my remaining funds out of the account even though she told me that I do not owe Capital One money theyre just claims that are just pending outcome so as of right now I do not owe Capital One money I also stated multiple times that you guys are ending the banking relationship, so you need to close the account. They told me that they will not be closing the account. They were restricting the account for any funds being withdrawn until the claims have been resolved, which in my opinion is it illegal if the account is still open that I have the right to close the account still
|
01/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
In XX/XX/XXXX Kohl 's Department Store allowed someone to change my contact information without verifying an ID. I contacted Kohl 's when I realized my information had been taken due to identity theft in XX/XX/XXXX. When I asked why they changed my information without verification, they stated they do not have to verify if the change is done online.
Kohl 's started sending my statements to the fraudulent address in XX/XX/XXXX. The individuals who stole my information started making purchases online on XX/XX/XXXX. I contacted Kohls and reported the fraudulent activity, requested the card be shut down due to someone gaining access to it, and asked they fix my address. On XX/XX/XXXX my balance was {$0.00}, however Kohl 's did not shut down my card in fact they increased the balance from {$800.00} to {$1500.00} without my request or approval. Kohl 's did not shut down my card or online account. Kohl 's did not correct my address, thus allowing further fraudulent activity to occur on the account.
By XX/XX/XXXX Kohl 's was able to correct the address and remove the {$1500.00} credit limit. However, now Kohl 's was holding me accountable for the fraudulent charges. I sent fraud claims that were denied and then approved. Kohl 's started putting false derogatory marks on my credit report and continuing to hold me responsible for the fraudulent charges. During my fraud claims Kohl 's did not contact me, nor request documentation to verify the fraud.
On XX/XX/XXXX, Kohl 's sent a letter stating they were fixing the inaccurate information to the credit reporting agencies for XX/XX/XXXX to XX/XX/XXXX, however Kohl 's continued to have the fraud amount on my statement. I made fraud claims to the charges in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I requested statements because I was informed it was denied based on not having an exact amount and dates the individuals made purchases. I received statements for XX/XX/XXXX through XX/XX/XXXX, with not purchases, just an {$880.00} balance, no purchase date.
On XX/XX/XXXX, I received a notice stating they determined it not to be fraud based on prior history and activity. It should be noted Kohl 's did not request documentation from me, nor did they talk to me about the activity that occurred. I again requested a fraud claim asking for the XX/XX/XXXX statements because I was not aware of the days the fraudulent people made purchases or for how much. Kohl 's sent me XX/XX/XXXX to XX/XX/XXXX, which had a {$0.00} balance. I contacted Kohl 's and stated I never used my card after an instore purchase on XX/XX/XXXX, anything after would not be me.
In XX/XX/XXXX I requested another fraud claim and the missing statements for XX/XX/XXXX to XX/XX/XXXX. I did not receive those statements. On XX/XX/XXXX, Kohl 's sent a letter stating their information was accurate. At this time Kohl 's has derogatory remarks on my credit report claiming a 60 day and 90 day late payment.
On XX/XX/XXXX, I called again and was informed that Kohl 's had found two other accounts open in my name that they shut down quickly, never notifying me, that they confirmed I did not live at the fraud address, but still denied my claim. I asked to reopen the claim and was instructed to email the police report to XXXX. Additionally, I found that Kohl 's still had the fraudulent email linked to my account. I tried getting access online and when I clicked on the reset password it said it was sending a email to the fraudulent email. The representative asked me to list that on the email as well.
On XX/XX/XXXX, I sent the police report to the above mentioned email and added the information about the website. I received an email to call the fraud department they could do nothing with the report, and denying links to the fraudulent email. I replied I did call and was instructed to email the report and attached a screen shot of the reply from Kohl 's that they were sending an email to the fraudulent email. Again the response was to call there was nothing they could do.
On XX/XX/XXXX, I called and asked to reopen the claim and if the investigators could expedite it due to the fact this started in XX/XX/XXXX. The representative stated she would request a reset of the credit bureau and for the investigation to be expedited. The representative asked me to send the police report again, affidavit, and ID. I emailed the requested information the same day with the Identity Theft report as well. I did not receive a reply to the email.
On XX/XX/XXXX, I called to confirm my email was received and was informed my case was closed prior to them receiving the information requested. The representative stated she would reopen the case and request the documents be reviewed.
On XX/XX/XXXX, I called to confirm the investigators would receive the documents. The representative wouldn't say. I asked for the supervisor. I spoke with XXXX # XXXX who was not helpful and rude from the beginning of the conversation, he would say no before hearing my question. For being a supervisor, XXXX # XXXX is the only Kohl 's representative who was rude or unhelpful.
Kohl 's has ruined my credit report, failed to protect my information or account, and refuses to review supporting facts in a fraud claim. The identity theft affected other accounts, all have been resolved quickly, unlike with Kohl 's. Kohl 's takes no responsibility for their failure to take action when fraud was reported, and is trying to make me responsible for a balance they allowed to happen even after being notified of fraud.
|
11/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
I filed a charge dispute with Capital One ( amount in dispute {$1200.00} ) because that is the credit card I used when I cancelled my car rental with XXXX XXXX XXXX. The car rental company refused to honor the price that was confirmed through XXXX and charged a higher amount in a foreign currency without telling me until after I signed the credit card slip. I cancelled the car rental and never received any service from them. I explained this to Capital One twice ( including an appeal process ). They will not return my money. I even gave them proof that it was a cancelled transaction. At this point what XXXX XXXX XXXX is doing is fraud. A quick internet search will show dozens of other consumers defrauded my this car rental company. I should not be have to pay {$1200.00} when I didn't rent a car at all from this company. In fact the next day I rented a car from a different company that was reputable. I also used my Capital One credit card to actually rent a car from the different company. Please see below for more detailed information that was given to Capital One in support of the charge dispute.
On XXXX XX/XX/2021 I rented a car through XXXX for dates of travel from XX/XX/2021 through XX/XX/2021. The car rental was from a company called XXXX XXXX XXXX The entire amount due at the car rental counter on XX/XX/2021 was supposed to be {$540.00}. Additionally, I purchased collision protection from XXXX and paid them {$110.00} at time of check out. A copy of the XXXX reservation and payment is attached hereto for reference. I was informed that I would pick up the car rental from the XXXX airport in XXXX, XXXX and the only amount due was {$540.00}.
On XX/XX/2021 I landed at the XXXX Airport and there was no kiosk for XXXX XXXX XXXX. Instead, a man had my name on a piece of paper and took me in a private car outside the airport. I went into a building and their office was one room without any name identifying them. It did not seem professional at all. I was informed that they had my car rental and I showed them my reservation through XXXX. They acknowledged my XXXX reservation. I gave them my Capital One credit card and signed the credit card receipt that had the amount due in XXXX XXXX not US dollars. At no time did I know that they were charging my card {$1200.00} instead of {$540.00}. I would not have signed the credit card receipt if I knew the higher amount. XXXX XXXX XXXXl thereafter informed me that they would not honor the collision protection that I already paid for through XXXX. They tried to force me to buy more insurance from them. I then asked them what they charged me because I was very suspicious at this point. I felt that I was being scammed. They told me that they had charged me {$1200.00}. I was shocked and immediately informed them as per my reservation ( that I showed them when I first got there ) the only amount due at the car rental counter was {$540.00}. They refused to honor my XXXX car rental reservation and wanted to charge me more than twice the amount. I refused to continue renting a car from them and directed them to cancel my reservation. XXXX XXXX XXXX company told me that my car rental reservation was cancelled and that they cancelled the charge because I did not go through with renting the car.
After I canceled the car rental I was stuck somewhere in XXXX. I paid a XXXX driver {$20.00} to take me back to the airport because XXXX XXXX XXXX would not take me back to the airport because I canceled the car rental. Can you believe how awful this company is if they refused to even take me back to the airport? I tried to find another car rental back at the airport, but every car was sold out that day. I had to take a cab to my hotel. The next day I took a cab back to XXXX Airport and found the only car available to rent. It was the most expensive car, but I had no choice as that was the only car available at any car rental kiosk and a rental car was needed for my trip. The new car rental from XXXX XXXX XXXX cost {$1700.00}. I used my Capital One card to rent that car and you can see this charge on my card on XX/XX/2021.
XXXX XXXX XXXX are scammers and tried to scam me on XX/XX/2021 by trying to charge my credit card more than double my reservation price. XXXX XXXX XXXX statement to you that renter had a car reservation and after signing the rental agreement has decided to cancel it without good reason is a flat out lie. They were told on XX/XX/2021 that I am canceling the car rental because they refused to honor the car rental reservation price and they refused to honor the pre-paid collision protection. They told me that the charge was cancelled because I no longer rented a car from them. At no time did they tell me that the XXXX {$5200.00} XXXX was anything other than {$540.00} in US dollars. If this company was honest and ethical, they would have told me prior to charging my card that they would not honor the reservation that they already agreed to through XXXX. XXXX XXXX XXXX company is unethical and are scammers. They flat out tried to take advantage of me. The acknowledge that I cancelled the car rental but still charged my card without giving me the service. Based upon the foregoing, I am requesting that the full amount charged {$1200.00} be credited back to my account as the car reservation was rightfully cancelled. This company should not be rewarded for its unscrupulous business practices. I should also note that a formal complaint has been filed with XXXX as they should not due business with this company any longer.
|
01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Multiple times in XX/XX/2022. My capital one card charged by XXXX XXXX XXXX XXXX in the middle of the night. I called the bank about this. They couldnt find it but I have screenshots. I put it out of the notifications that they sent me through text message everyone of them. Amounts ranging from {$100.00} and up totaling XXXX different charges for more I called the bank again on XXXX XXXX they still couldnt find anything. So I asked capital one what I can do to block them from my account. They said they werent able to block them for some reason so he suggested deny cancel that card number and get a new card which I did and Capital One gave them my information again before I even received a card which Ive never used and Capital One then manually changed it to the new card number gave XXXX XXXX XXXX and confidential information and allow them to put a phony charge for {$5300.00} on my new card number which I hadnt even received yet! Which put the card over the limit {$5000.00} almost and they approved it but they wouldnt approve the small transactions that they did all month at a nowhere. There were like XXXX XXXX in a time consistently throughout the month which I have screenshots of her my account on their site, I called them to have it removed and tell them I told them on the XXXX they called me on the third to ask me if I ordered a new card which theyve never done before in the past and I said yes but they failed to tell me about the charge that was put on there for {$5300.00} I had no idea it was even on there at the point I never signed a contract with any of these people. XXXX requested to them to send me a copy of the original receipt with my signature on it anywhere they said the head told them that they had a picture of my ID and the card wasnt present. The transaction was just a random charge just by XXXX but no specific item charged or even terminal it was just random charge to the card by XXXX Capital1 window now XXXX to make the charge smaller amounts throughout the month, but one charge they made that the approved and said that I needed to make a payment to bring the balance back under the limit, but then the charge just disappeared but I still have the notification of the charge being processed but they didnt allow them to bring the card to double the limit of the amount. This is not the first time Capital One is done Capital1 Ive talk to the department on the phone with him for hours in the proceeded keep lying to me, but they dont have the receipts the purchase receipt for any type of signature or any type of anything other than excuse why they wont take it off because the company said they had an ID but I requested it and the lady ignored it, and told me that theyre not removing it, because theyre just standing by their decision when I didnt buy anything from this company in you can contact me for more detail information cause its hard to put everything in this thing. Its easier to tell you what happen or explain I dont know what else to put in here because theres a more to it because XXXX XXXX have accounts with Capital One and our getting together and I had an illegal purchases to peoples accounts. They dont want to remove when they know they have no proof that it even happened or that its even legitimate and wont do anything to remove it as if there fraud department refuses to investigate other than what they say. They have been told about an ID but cant produce a receipt of any kind or any signature because at that amount of purchase on a card that the limit is the same as the purchase when theres already money on there how can you approve, something like that and they said well they will sometimes approve a purchase that goes over the limit yeah but double the limit important limit when Ive never made a purchase of any kind in that magnitude how is that even possible but you couldnt approve the XXXXXXXX XXXX XXXX or the small transactions off this month but then you have no reason why no excuses to where this charge even came from, but what is it for, where is my receipt? Wheres my signature? Wheres my card being present at the time? Where is the contracts nowhere to be found but they wont want to remove it. I told him I was not paying that anything from that company because I dont have any contract with him and I dont have any receipt or any transaction or signatures anywhere All they say is they dont need a signature they dont need a signature for a contract like what are you talking about? How is that possible so how am I liable to something I never signed I never purchased and only Capital One has record of this. Ive been getting anything from anyone else. Capital1 is stealing money, laundering money again they just got in trouble for the stuff not long ago last year theyre doing it again. I knew someone they did the same thing too. I was just talking to the other day for the same situation. Ive called Capital One before and after the charge they told me they had to make a charge on the account for them to be able to block them but they wouldnt be able to do so with the old card number because it was canceled and it was blocked that way, but then Capital One gives them my information before I even get the card and I said have screenshots of it being under the old number and have screenshots of him having changed it to the new and give them giving them my information I got that too and all the transactions throughout the month the messages that they sent me any screenshots of my account online in real time
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07/02/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
On XX/XX/XXXX there was a debit to my account of {$40.00} that went below avail balance causing my account to go - {$25.00}. This account is suppose to have overdrawn protection I guess the system must have been down that day, huh?
Not having any income because of my business defaulting I have been waiting on a SBA loan for a while it was taking longer than suppose to or originally planned.
Said account was used as my business and my personal as I am an independent contractor for my income, which is not illegal in no way to use said accounts in this manner. Im my only employee, period.
I was in contact with capital one during this time to assure them the money is coming that my account would be made back in the positive even tho they made a mistake and allowed a debit to overdraw the account, I was having to cover up their mistake as well as make it whole again to keep my account bc all my things are linked to it.
XX/XX/XXXX I spoke to capital one and said again, " hey just touching base letting you know the money is due any day now, '' they said " ok great ill notate the account everything looks just fine! '' XX/XX/XXXX the account was charged off no warning.
XX/XX/XXXX my deposit hit, a deposit was accepted to a charged off account. A charged off account isn't suppose to be functioning last I checked.
I call everyday to try and get my money they lied everyday and said thurs or either transfer me to another department telling me they'll disperse it to you. They lied horribly, Thursday I find out they are reporting it to fraud. And ive kept my cool during all of this but I had enough.
***No one should be lied to when it involves their finances and whom they lay trust in to secure their said money into a bank, this is pathetic customer service CapitalOne shame on you and I hope its dealt with accordingly, tho it prob won't bc their too big of a company they don't abide by same rules all us little people have to abide by*** Even tho it has been labeled fraud Capital One refuses to send back the money, instead they take some of it, to make the balance to XXXX, so even tho the money is fraud in their accusation they still take a portion of it to go to their benefit, which is where they don't stop with the legality of this situation. I have never been overdrawn, there was no flags thrown at a all it has been done out of pure greed of capital one.
Ive contacted my lenders, ive contacted 2 SBA offices which state that they have 5-7 days to return the money in that situation. Instead here we are a month later on XX/XX/XXXX the money still there bc they are milking the interest off of my money for their own personal revenue benefits.
When asked to speak to a manager one of the ladies refuses that request saying she is as high as I can go, so I guess she was self proclaimed president that day. Ive been hung up on numerous times, be put on hold and click just bc they see my number on caller id.
XX/XX/XXXX I file a complaint with CFPB and on XX/XX/XXXX it was closed by a response of the bank, which doesn't mean the complaint is fixed I am unsure how you close something without an answer from the one who filed the complaint, unless assuming the bank was honest XXXX which is far from reality.
In the response from Capital One they state that my account was automatically charged off due to accounts overdrawn 56 days were done that way. LIED The account was NOT even overdrawn 56 days, and why was I told 4 days prior that everything was good ill notate the account?! LIED In XXXX of XXXX my account had a total of {$12000.00} debited or used from account for my business. in one month. this loan was for my assistance after that accused when I hit no income due to corona, tho if capital one would have looked they would have seen that. but they didn't they pull the first lie out the hat they can to accuse me otherwise. I have other months data but for sake of this being a complaint that can be looked at later unless they come up with another lie that everyone believes bc capital one is a bank and they can't lie, can they?
Yet in the response from report Capital One also stated that they couldn't see where they was real business funds, well no not recent bc my business defaulted and that was to revive it, appreciate your assistance in taking food out of my family 's mouth capital one, its been hard enough and you successfully kept up from eating dinner some nights. or buying medicine for my kid who is XXXX. kudos capital one. youre commended for your heroic actions, sorry im fresh out of trophies maybe we can provide an honorable mention award for your actions.
I emailed the president I emailed a lot of people no one responded yet I have notifications when I am googled, and those inquiries spiked to XXXX just this month, after all this went down. You can XXXX me but you can't respond to me capital one, thats a level of low. pathetic really.
So I file this new complaint wandering what lies im gon na get next from capital one, tho suppose to send the funds back they still sit in my closed account for their benefit here 28 days later. Guess they're also exempt from government rules as well huh?
I demand this to be fixed as I can't scrape up enough change to eat some nights this is how big business ruins small business in America. Capital One you are pathetic and everyone involved in this clown show is pathetic too, you need some integrity but thats far achieved judging by how far gone you guys structure and customer service is.
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03/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I made a purchase with XXXX XXXX for {$4900.00}. After receiving the shipment, I filed a dispute with my credit card bank, Capital One, regarding the purchase that was in a damaged tampered condition. A Capital One phone agent advised me that by mail Capital One was requesting further information from me, regarding proof of return of the item, in order to provide a refund. This letter was to be sent out and received by the first week in XXXX. I had not received this letter by the expected date. I contacted a Capital One phone agent on or about XX/XX/XXXX and advised them that I had not received the letter with the information needed to continue my credit dispute. I spoke with the same Capital One agent and they said that they would send out another copy of the letter. On XX/XX/XXXX, a letter was received, from Capital One, { attached }, which stated. " Dear XXXX XXXX, Here 's an update on your dispute with XXXX XXXX billed on XX/XX/XXXX for {$4900.00}. We reviewed your request and found that we already responded. Enclosed are copies of that correspondence for your records. If you have any questions, please give us a call at XXXX. We're available from 7 XXXXXXXX to 1 XXXX Et, seven days a week. Sincerely, Capital One Transaction Support Center. '' At the bottom of the page It's states " PAGE 01 OF 01 '' The Capital One agent did not include the " copies of that correspondence ''. I have also attached a photo of the envelope that the letter was sent in.
After receiving this paperwork, I called Capital One and advised them that they had not sent me the complete letter or the request for documentation to finish my dispute. Because the time to respond was running short and I still did not have the letter on my person, the gentleman on the phone advised me that I just needed to upload proof of the returned shipment, and provide a statement of some sort. I provided proof that the item was returned to sender. { Attached } and gave these documents to Capital One.
I received a letter from Capital One on XX/XX/XXXX stating that my response, " lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I called Capital One, and was told that they closed out the dispute, and because they closed it, it can not be reopened, as the time period had expired. I asked why it was closed out. The agent advised me that the XXXX tracking information was not proof of return enough, because it did not show the actual return address. It simply stated " Returned to Sender ''. She stated that these requests were spelled out in the letter that they sent out to me. I never received the letter and this information was not relayed to me by the previous phone agent. At this time, I do not have the shipment, as it has been returned to the seller, and I am indebted to Capital One for this amount.
I called Capital One and spoke with an escalated supervisor and explained to him how I was not provided the documentation that requested, SPECIFICALLY that the item needed to be returned to a certain address and that I needed to provide proof of delivery to this specific address. He argued that a letter that they sent to me included all of this information and a return label and RMA. I advised him that I did not receive the first letter and that I requested that a duplicate be mailed out. He stated that he shows in his system that a duplicate letter was mailed on or about the XXXX of XXXX and that it was supposed to include all of the documentation necessary to properly respond to the dispute. I advised him that the letter I received referenced the prior letter but did not include all of the information, and that the information that the phone rep gave me regarding the return instructions was inadequate. The supervisor stated that this correspondence was supposed to be 8 pages long. I stated that I received a 1 page correspondence. I stated, because Capital One messed up and did not mail me the full letter that I needed that they are at fault for this failed dispute. He stated that his system says the letter was mailed out and he has no way of tracking down what was actually mailed. He stated that if Capital One did not provide the documentation, that Capital One would be liable for this failed dispute and would reverse the transaction at their cost. He stated that he doesn't have the authority to reverse this charge at his level, as his resources are limited. After speaking with him, another agent sent this grievance up to their " Special Cases '' department, which has this authority. This referral happened weeks ago and I have called to check on the status and have been told, " They are still working on it. '' Meanwhile, this debit is still on my statement and I am liable to pay interest if it remains on the balance.
I have provided the CFPB with the letter, mailed on XX/XX/XXXX, which will prove that Capital One committed a mistake and should refund the full amount and remove the charge from my account balance. I have provided the letter showing " PAGE 01 OF 01 '' and photos of the original envelope that COULD NOT possibly hold 8 pages without a tinge of distortion. I ask that the CFPB hold Capital One accountable for their clerical mistakes and have them provide a refund to my balance. Thank you for listening.
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01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX emailed XXXX XXXX to confirm availability of dress for daughters wedding in XXXX before purchasing. I did not receive a response so I called and spoke to XXXX who said he was the store owner. Dress was to be sent XX/XX/XXXX. XXXX assured me I would receive it that week.
My online order was placed XX/XX/XXXX and my Capital One credit card was charged the full amount of {$750.00}.
The dress that was paid in full in XXXX did not arrive as promised.
Between XXXX I attempted to email and call XXXX XXXX to locate the status of my dress. I did not receive a response.
I did not have a dress for my daughters wedding or the {$750.00} at this point.
I filed a dispute with Capital One for the charge of {$750.00} XXXX XXXX.
On XX/XX/XXXX I received a purchase adjustment for XXXX XXXX {$750.00} on my Capital One account.
XX/XX/XXXX I was notified through my XXXX account that a package was in transit from XXXX XXXX. I immediately called Capital One and was advised to not accept the package. XXXX distribution immediately routed the package back to the sender. I have included proof of delivery showing it was delivered XX/XX/XXXX XXXX, NJ ( sender ).
My mailing address is XXXX, Illinois and Proof of delivery does not show my address anywhere on the itinerary. I was never in possession of the merchandise.
XX/XX/XXXX my Capital One account was charged the {$750.00} XXXX XXXX. I immediately called Capital One and was informed that the merchant must have proved that the charge was legitimate. I was told that I would receive that information in the mail and that I could further dispute it after I received the information.
I received the information in the mail from Capital One regarding the dispute of charge.
Letter states that the merchant provided information to support the transaction : Delivery notification that merchandise was received via XXXX tracking.
I was given the opportunity to continue the dispute with a statement that I didnt receive the merchandise and describe how I tried to resolve this with the merchant.
The proof that the merchant sent did not support his claim that I received the merchandise.
He sent Capital One the Proof of Delivery. The tracking does not show it was ever at my address and states it was received at the same address it was sent from.
I assumed that Capital One did not read the tracking. I called Capital One and they agreed but told me I still had to go through the process that was described in the letter.
The letter stated that I must respond by XX/XX/XXXX.
XX/XX/XXXX, I sent a letter of explanation and the supporting documentation. Including emails, proof of purchase, phone logs and the XXXX proof of delivery. I called Capital One to verify all uploaded documents were received since there was no type of confirmation sent to me. I spoke to a representative who verified and described each document that they received.
The letter from Capital One also stated that they would respond within 10 days of receipt of the information.
XX/XX/XXXX I called Capital One since I had not received a response and I had not received the {$750.00} credited to my account. Initially I spoke to a representative who eventually connected me to a supervisor she said who could better help me. During the call with the Supervisor she immediately identified the error that was made by accepting the merchants proof as a reason to charge back to my account since it did not support the claim that I have the merchandise. She also expressed her amusement in the error. She further explained that it is not Capital One that looks at the claims stating it is XXXX and they dont make the decisions. She asked me to hold while she could see what to do. When she came back to the call she stated there was nothing she could do now because time has run out to resolve it and the case was closed. The case was not closed when I called that day. I asked when it was closed because I was never notified. I did not receive an answer. I submitted my proof within the timeframe and Capital One did not do anything with my claim after that. I referred to my numerous follow up calls to Capital One as well and was told that there was no record. Each call I made it states the call may be recorded so I am confident they have records.
After an hour on the phone and no resolution she agreed that it was past the timeframe allowed because Capital One did not do anything with my claim after I submitted my response to further dispute with proof that the merchandise was not received by me. She said her supervisor would be in the next day and she would find out what they could do to fix this. She promised she would call me the next day. She stated her name was XXXX.
As to present date I did not receive a call back or any further communication from Capital One regarding the claim I filed to dispute the charge of {$750.00}.
I am requesting the {$750.00} be credited to my account. I opened the dispute for merchandise not received as promised and refusal of merchant to communicate. I have been a cardmember with excellent standing for over 19 years. I relied on my rights as a consumer and as a cardholder to protect my purchases when a merchant is fraudulent.
It is unacceptable to not hold a credit card company responsible when they are negligent in completing a claim within the timeframe that the process allows. There has been no accountability for anyone at Capital One that I have communicated with that did nothing with my claim after we spoke.
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11/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
Older American |
XXXX Complaint against Capital One Credit Cards Dispute Department On Monday, XX/XX/2022 Capital Ones Fraud Department contacted me because my card had been charged with a large sum of US {$7500.00} in XXXX. I advised that I had indeed stayed at a resort called XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/2022, but that this large charge is certainly not correct. I asked him to open a dispute immediately, and he made the arrangements.
An exchange of information by filing the dispute in writing and uploading supporting documents via freshly sent secure links Capital Ones Dispute Department emailed me on several occasions, followed.
I traveled with XXXX friends ( names are available if needed ). Our resort stay ( we shared a room ) was entirely prepaid via the booking agent XXXX XXXX XXXX XXXX ) with a deposit we each paid XX/XX/XXXX, and a final payment we each made XX/XX/2022 ( my credit card receipts are available, as is a full travel agent statement with all XXXX names on it, showing it was paid in full ). So, our all-inclusive resort stay ( the room, all food and drinks ) at XXXX XXXX XXXX XXXX and entirely paid for by XXXX XXXX long before we arrived XX/XX/2022.
Upon checkout on our departure day XX/XX/2022 the front desk presented us with a XXXX page invoice, showing XXXX bottles of ( upgraded ) wine, XXXX massages and the environmental fee tourists pay in XXXX, adding up to a total of XXXX XXXX Pesos ( invoices are available ). XXXX minutes later he also handed me a small charge receipt the amount on it matched the XXXX of the large invoice. I stuck it in my travel folder ( a copy of it is also available ). All documents the Dispute Department at Capital One asked me for I uploaded. However, I did not find the small receipt until I needed my passport again ( it was stuck in there ).
I called the Dispute Department XX/XX/XXXX and advised that I had found the small receipt. The total on it was the same XXXX, but unlike on the detailed resort invoice which was in XXXX XXXX, on the small receipt that amount was in US {$7500.00}. She immediately sent me another secure link to upload that and she told me she would re-open the dispute and add this information right away. I spoke to the same XXXX lady a couple more times in XXXX, then also in XXXX and XXXX. I was told by the Dispute Department that if interest charges do appear on my statements and the dispute is settled in my favor, the original charge and any interest charges would be credited to my account.
Also, I had a credit limit of {$10.00} K for this credit card. Capital One Dispute never removed the total charge from my monthly billing invoices. I let the dispute department know several times, that I was not pleased how they kept the total charge riding on my billing statement every month, since that did not reflect well on my personal Credit Score, which dropped by XXXX points because of this stayed there over several months. No one I spoke with at the Dispute Department would ever give me an answer why they do that/ why they will not remove that amount while the investigation is going on.
Once in XXXX I called and asked for a supervisor since no one before ever was able to give me answers to my questions. I was connected to a woman, told her about the negative credit score I was not happy about why this very straight forward case ( of the wrong currency being charged ) was taking so long to settle. She hung up on me right then.
The next time I called I got the XXXX woman again, now she told me that their system was being upgraded, therefore was down and she couldnt look up anything. She wanted me to call back the next day. I did, and this time she put me on hold for XXXX hour before I hung up ( I took a photo of my phone, it showed the XXXX minutes I was on hold with their phone number showing ). With my next call I got a man I had never talked to before ( his name is available upon request ). I brought up the long time it was taking to get this straight forward case resolved, that I was put on hold for a hour, hung up on another time, my issue with the credit score, plus that I recently read in the news that Capital One was currently under investigation by the US Governments Consumer Financial Protection Bureau for their dispute handling practices,- and that this indeed had been confirmed to me when I contacted the CFPB.
He then handed the call to another man ( name and employee number is available upon request ), who put me on hold for a few minutes, then came back and told me that this case had been closed since XXXX first and they can not re-open any case once its closed. He did not care that I was in repeated contact after that date with several of their people by phone, and also not that they sent me new upload links after that XX/XX/XXXX date and I used them to uploaded further records ( I sent the XXXX x XXXX bills of the resort again along with the small charge receipt I had found ).
I never did get anything in writing from them, that they indeed closed the case.
Within days of that last phone call Capital One suddenly raised my credit card limit to {$15.00} K.
Significant interest charges have been accumulating on this large sum since XXXX now.
I have tried enlisting the help of a travel agent in XXXX ( that had worked for my employer arranging several large meetings in XXXX before ). But she sent me only XXXX email asking for additional documents. I have emailed her a couple of times since and have not heard back from her.
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01/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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My husband and I have been banking customers of Capital One since XX/XX/XXXX. We opened joint checking and money market accounts on XX/XX/XXXX, and provided our identity and citizenship data at that time. Capital One also asked us for our employment information ( including our job titles ) and income. We elected not to provide this information, only listing our job titles as employed and providing no income information. Despite not providing this employment information, we were still able to open our accounts on that date.
Around XX/XX/XXXX, almost five years after first opening our accounts, I received a letter stating that, during a routine review of [ my ] account ( s ), Capital One had found that my employment and income information was missing. The letter claimed we need this information on file as required by our regulatory compliance program and threatened that if I did not provide this data, our money would be frozen and the account would eventually be closed as a result. There was no request for my husband to provide similar information despite our accounts being held jointly.
My husband called Capital One on or around XX/XX/XXXX to ask for the specific basis that required us, as banking customers, to share this additional information about employment and income. He spoke with a customer service agent and their supervisor, and neither provided any specific reference merely stating that it was required because of Know-Your-Customer/Anti-Money Laundering ( KYC/AML ) requirements without providing any more specific detail. The supervisor reviewed my customer profile with my husband and me, and assured us that because we had previously provided basic information to complete these fields in Capital Ones system, our funds would not be frozen. We believed the matter closed at that point.
The supervisor also put in a request for someone from the regulatory compliance program to follow up with us regarding our request for the specific regulatory basis for this demand. The next day, I received an email from a Capital One employee who identified himself as XXXX. The email provided no additional specifics, again falsely asserting that it was based on KYC/AML regulations XXXX The email further claimed that this information was needed as a result of our opening a new account or enrolling in auto-pay neither of which actually applied to us.
Around XX/XX/XXXX, my husband saw that our ability to withdraw funds from all of our Capital One accounts had been frozen, despite assertions from the customer service supervisor we had spoken with earlier. My husband and I called Capital One several times through the day and spoke with at least four different agents and/or supervisors, none of whom provided any specifics beyond the repeated false claim that this information was needed to satisfy KYC/AML requirements. We were told that Capital One would continue to keep our funds frozen until I provided this information, which I was ultimately forced to do. I also noted that, unlike legitimate KYC/AML required information, Capital One did not require any actual validation of the information I provided, and simply accepted the information I provided on face value without evidence.
As a result of Capital One freezing our funds without any advance warning, Capital One failed to honor checks we had sent earlier to pay two of our regular monthly bills, which resulted in us being charged a late fee for both of these accounts. Capital One also denied an online payment for a drivers license renewal with the Virginia XXXX, which also resulted in a significant fine.
My husband requested a refund from Capital One for the fine we received from the Virginia XXXX on or around XX/XX/XXXX. Capital One denied this request on or around XX/XX/XXXX. As part of their justification for refusing the refund, Capital One blatantly lied by saying that we were advised of what information would be necessary to avoid the restriction during the call on XX/XX/XXXX, when in fact we were told by the customer service supervisor on that date that both our profiles were complete and that no such restriction would be required.
As a former XXXX XXXX XXXX at Capital One, I know firsthand that customer data of this type is used by Capital One for its internal data mining for marketing and analysis purposes. Further, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know that employment information and income ranges ( especially given that this information was not validated ) is not part of the required information required by KYC/AML regulations XXXX
Capital One is improperly collecting private financial information from their customers, not in response to any legitimate regulation, but presumably for their own marketing and analysis purposes. Capital One is holding their customers funds hostage in order to collect private data for this purpose in violation of the terms and conditions of their banking services, which has very real financial impacts on these customers. Further, Capital One should be closely examined to evaluate their use of unfair, deceptive, and abusive acts and practices ( XXXX ) in falsely asserting to their customers that this information is required by legitimate regulatory requirements. Most customers will not know the specifics of XXXX regulation and will simply accept the legitimate sounding explanation for this unnecessary request for information without question.
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09/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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This is a complaint in regards to CapitalOne 's handling of cash advance repayment for their QuickSilver card.The main complaints are : 1. CapitalOne 's cash advance fees are hidden from the consumer, and customer representatives communicate them improperly - This leads to deceptive practices that mislead customers into being charged more interest on cash advances 2. CapitalOne 's customer service mentioned they would take actions taken to remedy the situation, and I found out later that nothing had happened when I called in to ask about the follow-up actions. Cash advance interest rate fee are essentially hidden fees that wo n't show up till much later and that even customer representatives are unable to properly speak to. These fees are ambiguous, and also accrue during times that in which transactions are still processing, making it not possible to pay back the amount for some time as well as impossible to know how much is owed. On top of that, customer service in my specific case mentioned actions they would take to provide credit to offset interest for while cash advance could not possibly be repaid, but I found when inquiring in later calls that they had not taken any action nor had any records of the service call, which is deceptive and could have lead to additional charges for me if I had not personally followed up into the remediation. The events are as follows - Note that dates are offset somewhat as I was in XXXX, which is ahead in time from the US : XXXX ( US ) - called in for cash advance details as I was traveling abroad and may need the emergency funds, and was told about {$10.00} XXXX XXXX fee and 25.99 % APR which accrues immediately that customer representative said would come out to 0.072 % daily, and that I could call in after taking the cash advance to pay back the amount. Also told CapitalOne 's system specifically disallows users to push " credits '' into the account to allow for offsetting a cash advance.
XXXX ( XXXX ) - Took a cash advance and called in to pay back the amount ( {$230.00} for the foreign currency and {$10.00} for cash advance fee ). Was told that since my existing balance was {$0.00} and the transaction had not yet posted, I could not pay back the amount. Also told it could take potentially 5 days to post, during which time interest would accrue. Talked to a supervisor who, in clear language, offered {$1.00} in credit to specifically offset the unavoidable interest rate charges, and that it would show on my account within 24-48 hours. The supervisor also mentioned setting an alert for my account for when the transaction posts. Neither of these seem to have happened.
XXXX ( XXXX ) - Checked account and saw transaction still pending.
XXXX ( XXXX ) - Saw that transaction posted and issued a payment for the full amount ( {$240.00} ) and called in to task about interest rate fees. First customer representative insisted I would have no interest rate fees. I also confirmed from the customer representative that there was no {$1.00} credit on the account nor any record of the previous supervisor 's conversation. I called back because the response from the first customer representative did not sound right, and the second customer representative confirmed I would be charged interest rates. At first they quoted a {$2.00} a day fee, but checked with their colleagues and said {$0.00} ( which still did n't seem to match the daily interest rate ). They mentioned they would not really know the amount I would be charged. At this point I opted to put a 10 % " credit '' ( extra {$24.00} ) to cover any hidden interest rate fees. At this point I also opted to speak to a supervisor and communicated the same issues mentioned here, and re-confirmed that the original actions of the first supervisor were not on record on their end nor was there a {$1.00} credit issued.
The complaints I have are : 1. Cash advance may not post for up to 5 days, during which it accrues interest - these are unavoidable increases in credit card charges.
2. Payments made do not stop interest rates until posting, during which time it accrues interest - these are further unavoidable increases in credit card charges.
3. No ability to " credit '' or pay in advance on a {$0.00} balance statement to avoid cash advance fees for CapitalOne, which is possible on some other credit cards.
4. None of the above information was clearly stated, which affects the interest amount charged. There is also no clear indication of the interest amount to be charged, which means interest would be charged on top of the interest leading to future additional credit card charges, and consumers have no idea how much this amount will be.
5. Staff had no clear understanding of the interest rates and gave conflicting information - some said no interest, some said up to 2 % interest per day - this could easily mislead customers into paying incorrect amounts that lead to additional credit card charges.
6. Supervisor statement to give credit turned out to be false and they stated they had no record of conversation occurring existed on their side ( though I believe that the call would have been record ). I feel this is deceptive for consumer facing support, as if I had not specifically called back to follow up on the actions, I would have been charged additional interest fees. Finally, I believe the cash advance repayment process is ambiguous, and needs fixes to protect consumers from being misinformed and incurring additional credit card charges.
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06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
I am writing to bring to your attention a matter of serious concern regarding discriminatory practices in the misappropriation of accounting of U.S. government property for a special deposit and discrimination in the extension of credit by fiduciary Capital One , National Association, FDIC XXXX # XXXX. I recently applied for a financial product offered by Capital One, financial institution, specifically the Quicksilver Card, and was subsequently denied the extension of credit. This denial, in my view, violates the provisions of the Equal Credit Opportunity Act and other relevant laws.
As a natural person and card issuer, I completed the consumer financial product application in good faith, including my credit card ( social security card ) providing collateral security, to secure in advance the sum of all charges as disclosed under the omission of term " finance charge. '' This special deposit was intended for the fiduciary, XXXXapital One , National Association, an insured depository institution, granting them the authority to act on my behalf as beneficiary, non-citizen national of the United States and cardholder of the individual consumer.
The adverse action taken against me by Capital One , National Association, as evident from the adverse action letter dated XX/XX/2023 ( Exhibit 1 ), is in direct violation of the Equal Credit Opportunity Act ( 15 USC 1691c ). Discriminating against a consumer based on protected characteristics is unlawful and may result in civil liability, as stipulated in 15 USC 1692k. Furthermore, the institution Capital One and it officers may face criminal liability under 15 USC 1691 for engaging in discriminatory practices.
I also wish to highlight that Capital One , National Association is accountable for meeting statutory and regulatory requirements resulting from the importation of my nonpublic personal information. Despite this responsibility, your institution discriminated against me by denying the delivery of my asset and approval for the extension of credit, despite my application complying with the relevant provisions of the Equal Credit Opportunity Act and the Federal Reserve Act.
Upon receiving the adverse action letter dated XX/XX/2023, I sought reconsideration from the fiduciary, requesting the credit value equal to the collateral I had provided in exchange for the recognized insurance coverage. However, my request was again discriminated me on account of national origin and race but purportedly based on unverifiable rumors, defamatory hearsay, false statements, and even obscene language, which were furnished with malice or willful intent to injure me as a consumer and to deprive me of my federally secured right to credit. Such actions may constitute violations of the Sherman Act.
Please take note that statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.
Furthermore, XXXXpital One , National Association appears to be in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002. I made a completed application in good faith reliance on the Truth in Lending Act, expecting credit to be issued. However, credit was not extended to me as guaranteed.
Additionally, the unauthorized use of my credit card and the absence of any corresponding benefit to me demonstrate fraudulent activity and a violation of the Truth in Lending Act. The application terms provided by Capital One , National Association ( Exhibit 3 ) also unfairly and deceptively omit the required disclosure of the determination of the finance charge, contravening 15 U.S. Code 1605, 15 U.S. Code 1632 ( a ), and 15 U.S. Code 1637.
Moreover, it has come to my attention that my social security account number ( credit card ) was misappropriated through the use of a deceptive application form, which excluded me as the participant original creditor and impeded my ability to make an informed decision on behalf of my consumer. This constitutes an illegal restraint of trade and deprives me of the secured right.
I hereby revoke any and all electronic communication by any electronic agents with Capital One , National Association in accordance with the E-SIGN Act for handwritten response to my complaint under penalty of perjury for verification of review of my completed application. Furthermore, I enclose a copy of my U.S.A. passport credentials ( Exhibit 4 ) as appropriate proof of identity for verification and record-keeping purposes, as required by federal law.
It is important to note that failure to comply with the aforementioned legal requirements and rectify the discriminatory actions taken against me will result in criminal and civil liability. I possess evidence that clearly demonstrates the discriminatory practices outlined in the adverse action letter I received from your institution ( Exhibit 1 and 2 ).
I demand that Capital One , National Association takes immediate and reasonable measures to address this matter, including compensating me for the unauthorized use of my credit card and the denial of the extension of credit. Failure to do so will leave me with no choice but to pursue all available legal remedies to protect my rights as a consumer.
I trust that you will give this matter the urgent attention it requires. Please respond to this complaint within 30 days of receiving this letter. Thank you for your immediate attention.
|
06/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
Thank you in advance, for you kind assistance, in dealing with this very difficult problem, with a very large, very difficult, and very lawless company that provides Financial Services of all kinds, which include CREDIT CARDS. I am speaking of CAPITOL ONE. I have been a CAPITOL ONE CREDIT CARD USER, since XXXX. I believe it is necessary, for me to tell you, in this complaint, that, most BANKS, FINANCIAL SERVICES COMPANIES, AND CREDIT CARD ISSUERS, would say, that looking at my PAYMENT RECORD, that I have been an IMPECCABLE AND CONSCIENTOUS PAYER. My PAYMENT RECORD IS WITHOUT FAULT. Having said this, let me move on to the CORE of my complaint.
In the past, whenever I have had a card compromised, for ANY REASON, all I had to do, as a GOOD CAPITOL ONE USER, is to call their inbound CUSTOMER SERVICE NUMBER, speak to one of their Agents, inform the Agent that my cards had been compromised, and they would send me REPLACEMENT CARDS, IMMEDIATELY, with 2, or 3 day delivery, through XXXX XXXX
IN XXXX, of XXXX, something took place which has PARALYZED me, as a 14 ( FOURTEEN ) YEAR CUSOTMER : I had my cards compromised. I called in to their usual Customer Service Number, and reached a SERVICE CONTRACTOR. I have NO IDEA where this SERVICE CONTRACTOR was, or is. I can tell you XXXX thing : This SERVICE CONTRACTOR, is NOT a firm operating in the UNITED STATES OF AMERICA.
I found myself on the telephone, with some kind of agent, and employee working, apparently, on behalf of this foreign service contractor. I CAREFULLY explained to this so-called, " customer service agent ", that my card accounts had been compromised, and I needed to ask for NEW CARDS.
What this agent, if I may please be allowed to ABUSE THE TERM, " AGENT ", said, was VASTLY DIFFERENT that what the AMERICAN AGENTS that worked with me in the past, said, in handling me, and my compromised card accounts.
This agent asked me to perform certain things, that I had NEVER been asked to do. I was FORCED to answer questions, from this agent, I had NEVER been asked, by any other establishment, and, most assuredly, I had NEVER been asked by ANY FORMER CAPITOL ONE CARD SERVICE CSR.
I tried my best to comply with the silly, and unreasonable questions, but, then, this agent, requested that I PROVIDE AN IMAGE OF MY DRIVER 'S LICENSE, BY XXXX, to, as the agent stated, provide PROOF, that this CAPITOL ONE customer for 14 years, was and is, who I said I am. I TOLD THE AGENT, THAT THE REQUEST TO FUNRNISH AN IMAGE OF MY OKLAHOMA DRIVER 'S LICENSE, WAS UTTERLY AND ABSOLUTELY UNACCEPTABLE, and I STRONGLY SUGGESTED THAT THIS SERVICE CONTRACTOR FIND ANOTHER METHOD.
THE AGENT TOLD ME THAT IF I DID NOT PROVIDE THE REQUESTED OKLAHOMA DRIVER LICENSE IMAGE, I WOULD NOT OBTAIN REPLACEMENT CARDS.
I TOLD THE AGENT THAT I WANTED TO SPEAK WITH SOME KIND OF SUPERVISER, AND SHE ****REFUSED**** TO ALLOW ME TO SPEAK TO A SUPERVISOR, ASSUMING A SUPERVISOR EVEN EXISTED.
SHOCKED, DUMBFOUNDED, AND AMAZED AND ANGRY, I BROKE THE LINE.
SOMEHOW, SOME DAYS LATER, I FOUND A TELPHONE NUMBER WHERE I COULD SPEAK TO A COMPANY / CORPORATION EMPLOYEE, TROUBLESHOOTER - TYPE OF PERSON. I TOLD THE EMPLOYEE ON THE LINE, WHAT HAPPENED, THAT I NEEDED NEW CARDS, AND THAT MY CARDS HAD BEEN COMPROMISED, AND, THE CONTRACT AGENT HAD DENIED ME MY REPLACEMENT CARDS, AND, THAT I WANTED TO SPEAK TO SOMEONE THAT COULD HELP ME WITH MY CARD REPLAEMENT. THE MAN WITH WOM I SPOKE, ASSURED ME, THAT I WOULD HEAR BACK FROM A CORPORATE EMPLOYEE WITH CAPITOL ONE. I NEVER, NEVER HEARD FROM ANYONE WITH CAPITOL ONE.
I WAS MORE THAN DISAPPOINTED.
SINCE THEN, STARTING IN XXXX, CAPITOL ONE HAS THREATENED ME, WITH DELIBERATELY DAMAGING MY CREDIT SCORE. THEY HAVE MADE THAT THREAT, THROUGH MY E-MAIL ADDRESS.
THEY HAVE NOT CALLED MY MAIN CELL NUMBER. WHY?
THEY KNOW MY NUMBER. BUT THEY WILL NOT CONTACT ME. WHY?
THE THREATS AGAINST ME, BY THREATENIJNG TO DESTROY MY CREDIT SCORE, HAVE TAKEN PLACE ONCE OR TWICE A WEEK, UNTIL ABOOUT XXXX, WHEN THE THREATS TO DESTROY OR DAMAGE MY CREDIT, HAVE COME ALMOST EVERY SINGLE DAY.
AND, STILL, THEY WILL NOT CALL MY CELL NUMBER, AND DEAL WITH ME.
I TOLD THE AGENT I SPOKE WITH, THAT APPARENTLY WAS ACTUALLY WITH CAPITOL ONE, THAT I COULD NOT MAKE PAYMENTS, UNTIL, AND UNLESS I HAD REPLACEMENT CARDS.
THE THREATS TO DAMAGE MY CREDIT, PERSIST.
THEY HAVE NOT, AND APPRENTLY, CHOOSE NOT, TO REPLACE MY CARDS.
CAPITOL ONE ALSO SENDS ME E-MAIL MESSAGES, THAT " LET 'S WORK TOGETHER ON THIS ".
I HAVE A CELL NUMBER, THAT CAPITOL ONE CREDIT CARDS HAS, AND CAN USE, DURING REGULAR BUSINESS HOURS.
THEY REFUSE TO CALL ME.
I WANT THE WILLFUL DAMAGE TO MY CREDIT RESTORED, PLEASE, IMMEDIATELY.
IF THEY CHOOSE TO NOT HAVE ME AS A CUSTOMER, THERE IS NOTHING I CHOOSE TO DO ABOUT THAT.
BUT, I WILL NOT SURRENDER MY DRIVER 'S LICENSE IMAGE TO ANY SERVICE CONTRACTOR, OR ANYONE, BUT A NATIONAL, OR STATE AUTHORITY. MY DRIVER 'S LICENSE IS A PROTECTED, DOCUMENT WITH MY IMAGE ON IT.
CAPITOL ONE IS AT FAULT, HERE.
I WISH TO THANK THE PEOPLE AT XXXX, IN ADVANCE FOR THEIR KINDNESS TO ME, AND THE ASSISTANCE THEY CAN RENDER TO THIS 14 YEAR CAPITOL ONE CUSTOMER.
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OKLAHOMA XXXX - XXXX THE LAST XXXX DIGITS OF MY SSA # = XXXX MY DOB = XXXX. XXXX. XXXX MY MAIN CELL PHONE, IS : XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ______________________ THANK YOU, AGAIN.
XXXX XXXX, OK XXXX
|
06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Demand For Arbitration XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Dear, CAPITAL ONE The correspondence to my original dispute was less than satisfactory as I was sent a multitude of documents that served no relevant purpose to what was sent in my original correspondence to the subject matter at hand. I also want to emphasize I informed XXXXCapital One to cease sending any documents that werent referenced in specific with my original correspondence. Both XXXXCapital One are knowingly and willingly furnishing inaccurate and false information on my consumer report and were supposed to provide validation of the alleged debt in reference to accounts XXXX that included a general ledger statement. This was supposed to include a verification of the claim against XXXX XXXX, that is, a signed Invoice. This was also supposed to include a copy of the contract binding both CAPITAL ONE AND XXXX XXXX and it was supposed to be sent notarized by recorded delivery so that there is an independent witness to it being delivered. '' The verification also should have included a statement under penalty and perjury from Capital One admitting whether they are the holder in due course or if they are a servicer. This statement was also supposed to include a statement under penalty and perjury admitting whether or not Capital one sold my note in a pooling and servicing agreement. This is also known as securitization.
In reference to everything mentioned previously, Capital one was also supposed to provide me with the identity of the true holder in due course for the loans associated with both accounts. Since they are claiming a debt is allegedly owed that was supposed to be included with the general statement ledger with the name of the debt collector the loans were sold to. This also includes the CUSIP numbers under which both loans were securitized. I also never received a visual inspection of my original wet ink promissory note ( not a photocopy ). Although these were mentioned none of the things mentioned in specific were provided. Instead I was sent a letter by XXXXCapital One stating the debt was verified as accurate after multiple correspondences of the subject matter at hand even though no reasonable measures were taken to verify the debt. In addition to that Id also like to note the 2 accounts in this notice are also being reported as charged off.
Charge offs/Canceled Debts are reported as ordinary income according to irs publication 4681 and by law only debt is permitted to be reported on the consumer report. This is a direct violation of both XXXX/Capital one since 15 USC 1681 s-2 clearly states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Both XXXXCapital One were put on notice and had reasonable cause to believe the information is false and inaccurate due to the fact both accounts are being reported as charged off. They also had reason to believe the accounts were inaccurate and false due to the fact XXXX and XXXX are both reporting the accounts as paid in full/paid as agreed and based on the law mentioned all reports must report the same exact thing with 100 percent accuracy. My consumer report is also reporting 100 percent payment history so this further constitutes as evidence XXXXCapital One are knowingly and willingly reporting inaccurate and false information according to the law mentioned.
Due to the fact XXXXCapital One is furnishing information on my consumer report negligently, this has caused me and my livelihood a substantial amount of damages. Because of XXXXCapital One continuing to furnish false and inaccurate information after final notice I have been damaged in excess of XXXX dollars. I also made sure to document demonstrable evidence of being denied my consumer rights to the mentioned extension of credit due to XXXXCapital One furnishing false and inaccurate information after being put on notice and being given a reasonable amount of time to cure the inaccurate and false reporting.
Both XXXXCapital one were unable to provide this proof as I have requested within 30 days, they have in turn defaulted in regards to not being a party of interest and can not rightfully enforce any claims under U.C.C. - ARTICLE 3 3-301.
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), both accounts are officially in dispute. By law, all collection activities must cease until this matter is resolved. XXXX XXXX are both now liable for blatant disregard to this law and are subject to fines by the FTC. You are advised to consult legal counsel on this matter.
Because the debt was not properly validated by XXXXCapital One in accordance with the Fair Debt Collections Practices Act, Both XXXXCapital One have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. I also want to emphasize that this is my official notice of my demand for arbitration and I will be seeking damages in excess of XXXX for actual damages and an invoice will be attached to this notice in accordance with 15 USC 1611, 15 USC 1681n and 15 USC 1681o and any other laws that correlate to the subject matter in question.
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
|
12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
These Companies are violating my rights according to the Fair Credit Reporting Act and violating the laws that are in place pertaining to reporting accuracy on ones report. I have disputed these accounts numerous times with no results. I WANT THEM DELETED - INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below.
XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX.
A Charge Off account should never have Late payments due to it being late by default.
Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below.
XXXX XXXX XXXX XXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights.
CAPITAL ONE XXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me.
XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate.
XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate.
I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g | have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately.
PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX
|
02/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
IMPORTANT NOTICE OF ADMINISTRATIVE DEFAULT XXXX XXXX ( XXXX ) Date : XX/XX/XXXX Capital One ( XXXX ) To all and the singular, Greetings ; XXXX has failed their obligations under 15 U.S.C. 1666 ( a ) ( A ), ( B ) ( i ), ( ii ). This is XXXX Notice of Default. XXXX was legally bound to respond as a party to the contract and its related controversy in relation to the law. XXXX has granted XXXX time to be heard and respond and XXXX refuses to be heard or give response. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading, United States v. Tweel, 550 F.2d 297 ( 5th Cir. 1977 ). Therefore, Libellant can avoid the contract due to XXXX fraud, duress, or misrepresentation, XXXX XXXX XXXX, 19 F.3d 666 ( D.C. Cir. 1994 ).
XXXX failed to provide documentary evidence as defined in 15 U.S.C. 44, and required pursuant to 15 U.S.C 1666 ( a ) ( B ) ( ii ) as requested by requirement in the initial communication, with the Fair Credit Billing Act Correction of Billing Errors. XXXX also failed to refund all payments made to date, to consumer via check or money order as required pursuant to the initial notice and required pursuant to 15 U.S.C. 1666d ( C ). Pursuant to 15 U.S.C. 1666h ( b ) the funds that you take must be constitutionally available to creditors generally, which is an impossibility since consumers do not fall under the commerce clause of the constitution pursuant to Article 1 Sec. 8 Clause 3 and can not incur debt for personal, family or household purposes. Please be advised that the Terms and Conditions of your institution may at NO time breach Federal Law or the Constitution of the United States or the state ( s ) Constitution.
XXXX stands in DEFAULT due to the clause required under 16 CFR 433.2 as well as 15 U.S.C. 1666i was not disclosed or outlined anywhere in the initial contract, which makes the initial contract a deceptive form as well as false and misleading.
XXXX stands in DEFAULT due to a direct violation of the Truth in Lending Act Regulation Z which clearly states that pursuant to 15 U.S.C. 1605 that the finance charge is the sum of all charges and when a finance charge is in place there can not be a comparable cash transaction. Therefore, your monthly request for payment is a violation of my consumer rights when the application itself is a financial asset pursuant to 12 CFR 360.6 ( 2 ) and is self-liquidating paper pursuant to 17 CFR 260.11b-6. The application itself funded the initial transaction and you have been fraudulently requesting monthly payments which is an unfair and deceptive trade practice and is considered unjust enrichment.
XXXX stands in DEFAULT and is with scienter under the doctrine of estoppel by acquiescence for their nonresponse, or noncompliance with the law, and is now subject to a default judgment filed against them for injury and damages sustained. Pursuant to 15 U.S.C. 1666e the creditor may forfeit their right to collect from the obligor the amount indicated by the obligor in the initial Correction of Billing Errors Notice sent on XX/XX/XXXX.
XXXX stands in DEFAULT pursuant to 15 U.S.C. 1666a ( a ) for reporting amount withheld delinquent, failed to report the amount in dispute and/or update all consumer reports to paid as agreed pursuant to 15 U.S.C. 1666a ( b ) and/or failed to report to the consumer reporting agencies any resolution or to any party said delinquencies were initially reported pursuant to 15 U.S.C. 1666a ( c ).
XXXX stands in DEFAULT pursuant to 18 U.S.C. 242 deprivation of rights under color of law.
XXXX stands in DEFAULT pursuant to 15 U.S.C. 1666c as consumer was charged interest.
XXXX stands in DEFAULT pursuant to 15 U.S.C. 78m ( q ) ( 1 ) ( c ) since it is an impossibility to make a payment since the definition of payment pursuant to this code does not pertain to me as a consumer and therefore constitutes mail fraud pursuant to 18 U.S.C. 1341 and fraud by way of wire pursuant to 18 U.S.C. 1343 and an adverse action which is a violation pursuant to 15 U.S.C. 78j, 15 U.S.C. 78ff, 15 U.S.C. 1691 ( a ) ( 3 ) and is a deprivation of my rights under color of law pursuant to 18 U.S.C. 241 and 242.
XXXX stands in DEFAULT and is with scienter under the doctrine of equitable estoppel for their false representation or concealment of material facts requested in the initial communication.
XXXX stands in DEFAULT and is with scienter under the doctrine of estoppel by convention because of XXXX influence. XXXX being influenced to their detriment, did rely, or was influenced upon the assumption that XXXX would have complied with the law.
XXXX stands in DEFAULT and is with scienter under the doctrine of contractual estoppel as the terms of the initial communication are binding upon XXXX for their nonresponse, or noncompliance with the law.
Under the doctrine of contractual estoppel and estoppel by acquiescence it is mutually binding that 1 ) a default shall be entered against XXXX, and 2 ) XXXX XXXX XXXX XXXX XXXX, a Texas corporation may arbitrate the contract and its controversies. For when one party gives legal notice to a second party of a fact or claim, and the second party fails to challenge or refute that claim within a reasonable time a relation of estoppel exists.
Calendar shall be set for XX/XX/XXXX at XXXX EST, unless timely objected by XXXX on before the close of business on XX/XX/XXXX at XXXX EST.
XXXX XXXX, XXXX.
|
07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
-- XX/XX/XXXX -- Took out a {$9800.00} cash advance from Capital One, The same day all funds were deposited at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Where all funds were available immediately.
-- XX/XX/XXXX -- Did a balance transfer of {$10000.00} from XXXX to Capital One, and the funds were available within 2 days. This transfer paid the previous cash advance and any balance remaining on my Capital One Credit Card at that time.
-- XX/XX/XXXX -- Took out a {$10000.00} cash advance from Capital One, The same day all funds were deposited at XXXX XXXX XXXX XXXX ; Where all funds were available immediately.
-- XX/XX/XXXX -- Did a balance transfer of {$10000.00} from XXXX to Capital One, This balance transfer like before was to pay the previous cash advance and any balance remaining on my Capital One Credit Card. Unlike XX/XX/XXXX, The funds were not available within 2 days, and Capital One said they were still waiting for verification of funds from XXXX although it was the same institution and account already vetted on XX/XX/XXXX.
-- XX/XX/XXXX -- ( five days later ) Called Capital One to ask about the hold placed on this transfer ; Their response was that the funds wouldnt be verified until XX/XX/XXXX and did not offer a reason why, even though this transfer was coming the same XXXX and account as before.
-- XX/XX/XXXX -- WROTE THE FLORIDA ATTORNEY GENERAL : I initiated a balance transfer on XX/XX/XXXX from my credit card account at XXXX XXXX XXXX XXXX to my credit card account at Capital One in the amount of {$10000.00}. I had done an identical balance transfer on XX/XX/XXXX for a larger amount and the funds were available within 2 days. This time however, Capital One has arbitrarily placed a 9 day hold on the availability of these funds. Their records show that the payment has processed and XXXX XXXX confirms the payment has processed yet Capital One refuses to provide the credit. They say their computer system placed the hold and there is no way for them to release the hold/funds. Since the 9 day hold pushes the availability to the Saturday of a 3 day holiday weekend when banks are closed, I am unable to use the credit card as I needed at my bank until Tuesday XX/XX/XXXX. This means Capital One is holding over {$10000.00} of my funds for 2 weeks with no explanation and no interest or anything paid to me. This again, is clearly a direct arbitrary change in their policy since I had a larger amount available in 2 days just 1 week earlier.
-- XX/XX/XXXX -- ( 10 days later ) the balance transfer of {$10000.00} from XXXX to Capital One became available and this transfer paid the previous cash advance and any balance remaining on my Capital One Credit Card to date.
-- XX/XX/XXXX -- Took out a {$10000.00} cash advance from Capital One, The same day all funds were deposited into XXXX ; Where all funds were available immediately. Since this date my Capital One Credit Card has been maxed out and I have been paying off the minimum balance each month from the same NFCU account that all the prior transactions mentioned above were involved in.
-- XX/XX/XXXX -- THE FLORIDA ATTORNEY GENERAL RECIEVED MY COMPLAINT AND ON XX/XX/XXXX FORWARDED MY COMPLAINT TO THE CONSUMER FINACIAL PROTECTION BUREAU ( CFPB ).
-- XX/XX/XXXX -- THE CFPB RECIEVED MY COMPLAINT ( case number issued : XXXX ) AND ON XX/XX/XXXX ALSO FORWARDED IT TO CAPITAL ONE ( Original complaint is written above in quotations ) -- XX/XX/XXXX -- CAPITAL ONE PLACES A TEMPORAY RESTRICTION ON MY CREDIT CARD, 8 days after receiving my complaint from the CFPB, preventing any use of the card or accrued rewards miles to any authorized users.
-- XX/XX/XXXX -- CAPITAL ONE TELLS CFPB THEY ARE STILL WORKING ON IT : REQUIRING ADDITIONAL TIME FOR RESEARCH -- XX/XX/XXXX -- CAPITAL ONE RESPONDS TO CFPB WITH CLOSED WITH EXPLANATION ( see case number XXXX to read their 'explanation ' XXXX -- XX/XX/XXXX -- Called Capital One because temporary restriction is still on my card, Capital One agents couldnt tell me directly why there was still a hold and said they would contact me in 1 day to rectify the issue once speaking to their authority and would attempt 3 calls to reach me once they had any answers. During this phone call the agent mentioned that one of the possible reasons why there was a restriction on my card was because Capital One potentially couldnt verify what financial institution my XX/XX/XXXX balance transfer had come from, however knowing that they received a copy of my complaint issued from CFPB directly stating XXXX as the institution and as previously stated all transfers to and payments given to Capital One have come from XXXX.
-- XX/XX/XXXX -- ( 6 days later ) I was contacted by Capital One, but unavailable, and no other attempts since were made by either party to address this issue.
-- XX/XX/XXXX -- Account still has a restriction on it not allowing use of the card or accrued rewards miles by any of the authorized users. To date I have continued to pay my minimum balance with Capital One from XXXX, the same institution they claim cant be verified.
-- -- -Based on the time line I strongly believe that Capital One is intentional and deliberately preventing use of this credit card because of my complaint issued on XX/XX/XXXX to the Florida Attorney General. I have tried to rectify this with them directly and now I'm hoping your team will have different results against this blatant harassment towards me. Thank you.
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02/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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I have multiple accounts with Capital One, including a business checking & savings account for one of my businesses. I attempted consolidating one of my external business accounts by opening a second business savings @ Capital One. Unbeknownst to me & without any notice, Capital One froze my business accounts simply due to requesting to open a savings account online ( which is the same way that our accounts were initially setup ). I found out about this only by calling into XXXX XXXX Cust Serv. after my business debit card was declined. During this time, I literally had no access to even see my accounts online & couldnt even see my account balances. Upon speaking with Capital One, I asked to speak with an exec level supervisor or manager to confirm whether or not our ACH deposits and payments would still be processed in spite of the temp frozen account status ; The Manager/Supervisor EMPHATICALLY confirmed MULTIPLE times that all ACH payments & deposits wouldnt be effected by this status and that they would FOR SURE still be processed per usual. Therefore, I didnt have a reason to make other arrangements for our outgoing payments and inbound deposits. However, I was given false information by the aforementioned manager & all of our deposits & payments were rejected. Consequently, our largest personal loan account was reported as being 30 days late, we lost a premium domain potentially worth several thousands of dollars, our business was ( and still is ) reported to XXXX ( which has caused several rejected ACH payment fees ) - and all of this due to this payment not going through, in spite of being given a definitive guarantee that it would absolutely go through. Additionally, due to the 30 day late payment status, our loan account was now subject to several thousands of dollars in retroactive interest charges. I immediately contacted Capital One & they accepted responsibility for the error and guaranteed to compensate us for any losses due to their error and that they would do so in a timely manner. Unfortunately & to our continued detriment, Capital One didnt stand behind this guarantee/promise, in spite of us sending countless documentation supporting our losses. I sent countless emails to their executive office and to the general counsel, but didnt receive a response for almost 2 months at one point, at which time they offered us $ XXXX for a matter that has cost us far more up to this point and will ultimately end up costing in excess of $ 50- $ 60k +. Due to Capital Ones continued inaction, our loan account is now standing at 120 days past due with a balance of just over $ 12k and our credit has now crept just below 600 ( our scores have always been well over 700+ ). Further, two of our current creditors have significantly reduced our credit line ( 1. XXXX it XXXX - {$26000.00} reduced to {$10000.00} 2. XXXX XXXX of XXXX XXXX XXXX - {$7000.00} closed by creditor due to very recent and significant delinquency reported ). This is now creating problems for my business, as we used the XXXX XXXX for an on-file Card for our largest Equipment wholesaler and now we are maxed out, which caused our utilization % to balloon from 20-25 % to 80 % +. I have spoke to Capital Ones retained attorney through XXXX XXXX and have provided all supporting documentation, including info directly from our credit report & directly from XXXX, yet I am still being subjected to methodical delays and evasive tactics by Capital One, all while being subjected to what has been a snowball effect due to how long Capital One is taking to do what they promised they would do. I have consulted with our attorney and in order to simply begin the litigation process, we would be required to pay a $ XXXX retainer fee. I feel as if we are now being disrespected more and more each day that Capital One fails to make good on their promise of compensating for their admitted errors. Lastly, my wife is XXXX XXXX XXXX and this is adding stress that she shouldnt be subjected to during this important stage of her XXXX, yet Capital One has essentially implied that they could care less, which I can only assume is because they have no one to hold them accountable for mistakes that they openly and expressly admitted ( and did so in writing via a signed & notarized statement that I requested in an attempt to mitigate further losses ). I have requested additional information from their attorney and they continue to act as if they just dont care to hear my requests. I understand that there are likely hundreds of claims that are without any merit whatsoever and I have been consistently reminded of this by Capital Ones attorneys, but I have provided ample ( even excessive & certainly repititive ) documentation to substantiate my losses, unequivocally speaking. The ridiculous part about all of this is that it all stems from me requesting to do something as simple as opening a 2nd Savings Account and trying to bring an additional $ XXXX on deposit with their bank. We have absolutely ZERO culpability in this matter whatsoever, as we simply requested to open the aforementioned 2nd savings. Please provide assistance ASAP, as this has now been ongoing for nearly 7 months now.
Thanks for any help youre able to offer - we greatly appreciate it.
Best, XXXX XXXX XXXX XXXX XXXX ** Tried uploading multiple documents, but the uploading icon just continued to spin for several minutes - Please Contact me directly for these documents **
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10/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I made the unfortunate mistake of trusting Capitol One with a card account that they claimed wasnt predatory and would give periodic reviews for the chance to refund my deposit or receive a higher and more useable balance. I opened an account with Capital One in the beginning of the year. I am unsure which date they would use because it took a month and a half to get the account open. They required that I put {$200.00} down for a {$200.00} limit. They are holding that deposit as well as the deposit of millions of consumers and utilizing that money in their own day to day activity as a means of procuring capital - from the wrong people preying upon consumers who may not have had the same economic opportunity most likely due to family background. Instead of paying higher interest rates from the fed like they are supposed to - like the rest of consumers including business, they are utilizing a predatory card program to increase capital into the business in a manner that doesnt require them to pay any interest whatsoever. They are doing this pretending to be a legitimate company - offering legitimate products and services. But when its time for their end of the deal they dont hold up. I opened an account with discover around the same time- my first two card accounts and they plan to be my only two for now till I can grow the length of history on them - as my other accounts are much older. I opened an account with XXXX with a XXXX dollar deposit, and wouldnt you know it - like the legitimate company they are THEY held their end of the deal - they graduated my account and refunded my deposit PLUS raised my limit to XXXX without even asking. This means that I can actually use my XXXX card and keep the balance under 10-15 percent and actually be able to utilize this card to show financial responsibility and use it as a proper financial tool I may even be able to enjoy some of the benefits of the card - similar to the benefits Capital One uses to lure consumers into a predatory account but they will never receive if they use the account responsibly. Capital One has not done that. Even though I have requested three. All times I have been denied because they want to continue making predatory interest rates, utilizing their stream of capital from the nations struggling to produce better numbers for the company- and the want to continue the disguise they are a legitimate company to do legitimate business with. Their reasons were simply you can not request a credit limit increase on a secured account- well NO ONE gets to utilize my resources for such a period of time in a predatory manner and think they have the power to just flick me away like that on a predatory card account. They are really protective of the language they use when describing if and when your account will be graduated because this program at minimum functions based off the performance of other XXXX XXXX Indicators in the business economically. I have never been so mislead or disappointed in my life. They are keeping me at {$200.00} limit so that I can not use the card to demonstrate financial responsibility- I cant even finance {$20.00} without a ding to my credit. I have already received a small ding to my credit once just for utilizing the card. I dont have these problems with XXXX XXXX If that werent enough - I log in tonight and try to pay my full balance ( I have to every month anyway as we just covered I can not finance more than {$20.00} or else it is financially irresponsible by all credit scoring model standards- it doesnt matter which model is being used. ) But now when I try to pay my bill it wont even let me!? This is what it says in the picture, and it is dangerously close to balance post time ( I just used the card yesterday and now I need to pay it today and cant ) You know when I was a youth I didnt have parents to get me started in credit. I never had a chance to ruin my credit or to gain credit appropriately because of companies like this and their predatory credit starter programs. This program feels more predatory to me than all of the other cards I researched and I didnt apply to those because they were blatantly predatory, but Capital One misled me and most likely millions of other consumers who dont need this card to begin with. Either work with me or close my account fully I can not keep playing these credit games I am trying my best to build enough credit to finance commercial real estate yearly. I literally do not have the time for this or the patience. Im trying to work beyond credit cards, to large scale loans, meanwhile you guys are over here playing games with my credit. How is this not playing games with my credit? How am I supposed to move forward period like this?
One more thing to point out- they literally daily send me emails and reminders to refer a friend and the amounts have progressively gone up as their desperation to increase business funding has. Those offers have gone from {$50.00} - to {$500.00} and they have zero way of proving outside of a courtroom discover session - that referrals are in no way part of the graduation criteria. I have a feeling if we compared accounts in a legal discovery proceeding we would find a similarity between card accounts that did graduate. Either way youve held me back for close to a year now, why in heavens name but would I want to refer a friend to this program. My friends are at least financially responsible enough to know what this is.
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02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
Credit report always within XXXX pts of husband 's, as we are on all each other 's accts. Checked last month, everything normal. This month, his normal XXXX, mine dropped XXXX pts to XXXX, with all kinds of inaccurate information -- none of it on his, although again, we have done the same things with all accts this month, as always ( our reports have never been even XXXX pts apart, let alone XXXX, nor have they dropped XXXX pts in a month. ) Some of the inacurrate info includes the following : missed payment. Have never missed a payment. Account closed and new opened. No, never happened. They gave me, unasked, a credit line increase at two different companies, for great credit scores.. I did not close or open anything on my own ( husband on all old and new accounts, as well, but none of these things are on his report. ) ALSO - THEY ARE NOT ON MY XXXX REPORT, WHICH IS THE USUAL XXXX, WHILE HIS IS XXXX, WHICH IS NORMAL ). Only XXXX XXXX up and dropped me XXXX points, which the rep tried to explain by reading a stupid script " Please note that credit scores are dynamic and subject to change ... '' All incorrect info, like : It says " your oldest credit account is too recent. '' Wrong. This was not marked this way last month or any other month-it is not that way on husband 's acct, even though both names on all accts, and oldest acct 15-so years old! Not " recent ''!
Has other accts listed as newly opened and closed this month -- not true -- AND there's a bunch of new information added this to my credit report this month -- - old names I haven't used for 20+ years ( since I got married! ) old addresses -- it's as if they found an old report and just combined it with my recent once with the good information!
I think this is because we tried to open a Cap-1 not long ago. Instead of new card, they sent us welcome pkg and approval, but a card with an OLD number we had 10-12 years ago on it! We tried to activate ; they said we can't -- that acct was closed and paid off several years ago. We asked for new card for THIS acct ( welcome pkg, emails have all new terms ) -they said that IS your new acct... but they also said they can't activate it because it's an old, closed acct.
Because of this mess, we are listed as having a new XXXX cap-1 acct that we DID try to open ( we don't -- it was closed years ago, and though they approved a new one, it was with a number we couldn't activate.Now when we try to open one, it says " You can't -- you already have one open, haha ) We explained the screw-up. -- and they said send ID to this special link to verify. We did that night -- - and never heard back. But we keep getting " wecome emails. '' We think they added all that OLD capital 1 info for that old acct, under my maiden name, to our ( my ) credit report this month, as if it was NEW -- stupid mistake, but a computer glitch that cap-1 won't fix ... that is now showing up as NEW info on my credit acct -- but not my husband 's, prob because he didn't change his name since we had that acct, so they didn't add all that info like it was a newly-discovered alias for me or something.
XXXX on phone today would not open dispute-about incorrect score -- - or give me supervisor -- just kept reading from script. We're now in a nightmare with cap-1 who has us with an acct we can't use and worse, with XXXX which has changed my credit score from GREAT as it iwas last month, to FAIR as it was when I had the old cap-1 acct under my maiden name decades back.They even ( XXXX ) had old addresses from back then newly added and listed as new information to my credit report within the past 30 days, like they just discovered I had this secret past I had been hiding from them. sounds crazy, I know. Well, it is.
What a mess. I'm filing this against XXXX, cos the ruined credit score hurts worse than the credit card we can't use. But both XXXX and cap-1 are to blame for a computer glitch too complicated for them to understand, let alone fix, esp when the reps hardly understand English. Obviously, our name came up on this new cap-1 acct when we applied last month as a " needs new card, '' so they sent us a new card we can't use on an OLD account -- and then reported all that 20-30 year old information, from when we had that cap-1 acct, I guess, to the credit union, as it is all added over the past 30 days!
If you can even understand this, let alone help, you'll be miracle workers. I worked for the XXXX in XXXX XXXX in the XXXX, and if somebody had given me this complaint back then, I would have thought they were insane. But that's what has happened to us... and we've written letters AND talked to reps at both cap-1 and XXXX ... plus, we tried to go online, but they won't let us go online because our info doesn't match ( XXXX says my email address is incorrect ; it's not. Cap-1 says the ss number and password don't match, so they must have our OLD password -- it was already in there when we tried to put it in... .and as for XXXX, when I tried to sign in there, they claimed they couldn't sign me in, as I didn't have a cell for them to verify me with -- I use a landline -- is that illegal now? ) Please try to help us. This is making me XXXX and XXXX, XXXX and XXXX. Worked our way up from bankruptcy over a decade ago to being homeowners with great credit only to have XXXX XXXX us over -- - hope it doesn't spread to XXXX, who so far, still has me in the " great '' ( not " fair '' ) category.
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05/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
To Whom It May Concern : I am writing this complaint concerning a dispute for a charge from XXXX XXXX in the amount of {$1500.00} USD. It all started while in XXXX, XXXX when my wife went into quick XXXX in a hotel room. While on XXXX to several doctors in Florida, she, with my help, ended up delivering a healthy baby boy in a matter of minutes on a bed in the room. For obvious reasons, we traveled to the hospital to have everyone checked out to confirm all was well even though the obvious hard work and climax was already over. I was told to give a credit card at the beginning, which I did, as a way for them to secure the funds for the doctors services unless we did n't pay by other means. We were at the hospital for a total of about 6 hours after seeing 3 different doctors before we were released to go home. To be released each doctor came in one at a time to retrieve their fees in XXXX cash for the services rendered and we were told they were the total fees. The XXXX who took care of my wife came in to collect {$1000.00}, the XXXX who checked out the baby came in to collect {$300.00}, and the XXXX who did my sons circumcision came in to collect {$200.00}. They told me that we must pay them cashI asked him why and he said that the credit card charges a fee to them and it would be easier and be cheaper for all involved. Even though we already had the baby delivered, the {$1500.00} from the originally agreed {$2200.00} was rather high seeing how we did n't get all that we had agreed to, I liked the thought my wife and child was taken care of and it was cheaper. We had confirmed all was well with the liaison ( XXXX XXXX ) at the hospital. She ( XXXX XXXX ) initially told us NOT to pay the doctors and then told us to go ahead and do so, so I agreed. She was the one that originally told us to have a baby in the hospital, it would be only {$2200.00} with everything from a one night stay, prenatal care, maternity course, to an XXXX ( as seen in attachments ). I gave each of them the money that was agreed upon and even filmed the transaction in case there were any problems. I also made sure each of them also gave me a receipt. The doctors stated when I had paid them that they " rent '' from the hospital and that by paying them we are their " patients '' and not the hospital 's. They then told us we were free to go and they left. We made our way downstairs to exit the building. Someone showed up at the elevators and then directed us to the desk where I had given my credit card in the beginning as security for the charges. I do not speak XXXX very well, but told them we had already paid and they argued for a bit and produced a receipt for me to sign with a total of {$1500.00} and was told the {$10.00} above the charge of {$1500.00} was due to the currency exchange rate. I scoffed at them and attempted to leave due to already paying and explaining this numerous times. They hurriedly closed the gates upon us trying to exit and drew guns on my wife, my toddler, my 8-hour old son, and myself and forced us to go back in. Upon going in, the " mercenaries '' stood on each side of me and I was told to sign the document allowing them to charge my credit card. I signed the word no and then walked out. They then came back out and forced me back in to sign it again due to understanding the universal word of no. One of the mercenaries then forced my hand to the receipt and I scribbled the word Duress under his pressure to which they didnt understand and finally accepted. I had absolutely no choice physically and mentally with preserving the safety of my family. It was then we were able to leave. I immediately called Capital One and told them what had happened and the nice lady repeatedly told me not to worry about it at all and that it has not gone through and wont because she put some sort of block on it. She said we did the right thing and they would not get away with it. I rest assured as she told me to do, only to still be charged. The money for the services was paid with cash and I was extorted in every sense of the word regarding the credit card charge. I reached out as soon as possible to Capital One and was assured that all would be fine and no charge would be allowed through. I called XXXX at around XXXX for a duration of 20 minutes according to my phone bill if that conversation can be technologically recalled so as to confirm my assertions. Obviously, this is not a matter of whether or not I can pay my bill because via my history, I have never been late. I even paid the amount on my credit card for the illicit charge until the temporally credit went through and then was given a credit for the money. I tried to get this resolved in an amicable way with the other party with Capital One overseeing the phone call whereas they even condescendingly laughed at the fact they physically forced me to sign and that I am still liable for the charge. Capital One still said they needed it in writing from them which is absurd. What they in XXXX was horribly wrong and uncalled for and was obviously for illicit monetary gain, but what Capital One is doing is essentially turning their nose up at a customer and allowing this illegal act to go on with no consequence. Thank you for your time and attention in this stressful matter, and please dont hesitate to reach out if there are any other questions or concerns. We do not have the monetary ability to allow this money to be taken from us.
|
08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX ( DOB XX/XX/XXXX, Last four of account XXXX ). I am currently a Capital One credit card holder. I am writing this letter to report significant concerns regarding my historic and recent experiences with Capital One.
Approximately two to three months ago I contacted Capital One because I had concerns about my credit report. Capital One had reported my account delinquent to the credit agencies. The report caused my credit score to drop significantly. This occurred just as I paid off all my debt, except for Capital One, student loans, and car note. I informed Capital One that the report was inaccurate for two reasons : I changed my automatic payment information online and it was not my fault that the Capital One electronic system did not process the change. The agent confirmed my attempts to change the information and cited a technical glitch for the reason the change was not processed but placed the blame on me.
I was impacted by Covid-19 and it was my understanding that the credit card companies were not reporting information to the credit agencies during the pandemic.
It was clear from the discussion that the agent only wanted to focus on my first reason for the inaccuracy. I had to correct her multiple times that this was a two part complaint. I believe the focus on the first reason was because Capital One would not have to make any changes if it was for the first reason only. I did not want to go into details about my personal information given how Capital One has twisted my words in the past to claim they were accurate.
Finally, the agent told me that I could qualify for Covid relief until XXXX and reversed the late payment. When discussing the relief program the agent specifically said, Your next payment is not due XXXX. However, you can pay the minimum balance earlier if you choose. I asked the agent was she sure that I had till XXXX and she reiterated the claim multiple times. She also mentioned that I will receive the terms in my email.
On XX/XX/XXXX I went to trade in my vehicle and was denied because of my credit score. My credit score dropped approximately 40 points from the last time I contacted Capital One about a credit score drop. I was embarrassed, humiliated, and above all frustrated because the information from Capital One was significantly inaccurate. Capital one reported me 2 months late on my credit card payment and my credit card as currently in default status.
I contacted Capital One on or around the evening of XX/XX/XXXX and XX/XX/XXXX. I used the chat feature. The person responding, XXXX, stated that she as a real person and not a computer. The responses took a really long time and I was patient. However, I soon realized that I was having the same experience with XXXX that I was having with the previous agent.
XXXX was not researching my claim to help me. XXXX was researching my case to prove that Capital One did nothing wrong. It was clear that XXXX, just like the agent from the previous call, was listening to defend Capital One and not listening to understand the entirety of the situation. XXXX was quoting policies and clearly using learned customer service jargon and approach such as I am sorry for your experience, but the report was accurate and read your email. I explained to XXXX that it is not my responsibility as a consumer to know Capital Ones practices and I took the word of the agent that I had payment relief until XX/XX/XXXX. I stated that yes, the relief may have been noted as 30 days in the email, but it was my assumption that Capital One would automatically renew the relief at the end of the 30 days because I was clearly told that I had payment relief until XX/XX/XXXX. I also asked XXXX to check to recorded tape and she will see that I was being honest. XXXX acknowledged that I may have been told that I had relief until XX/XX/XXXX but the email overrode the agents words.
This makes absolutely no sense to me. I do not believe that I should be held responsible for Capital Ones multiple mistakes. Also, I do not like Capital Ones tactics of fear and intimidation with credit reporting. I have lost many opportunities due to Capital One. Quantifiable losses, such as higher interest rates on car loans, and an inability to refinance or trade my car in for a lower monthly payment and interest rate. I have not qualified for home loan programs due to Capital One. Additionally, Capital One has benefited from late payments and keeping me stuck with them because I am denied other credit cards as a result of Capital Ones inaccurate reporting to the credit agencies. I can not close the credit card, it is my longest credit card and has my longest credit history. Closing the credit card will result in an even larger drop in my credit score. Additionally, I am subject to their poor practices by having to monitor everything I say because they definitely engage with me during a phone call to have me say something that disqualifies my concerns. It is extremely frustrating and stressful.
Capital One did the same thing with me during the great recession of XXXX. They raised my interest rate and were insensitive to anything I said. I am afraid to call and say anything because I know they will twist my words and corner me.
Please help my by removing these inaccuracies to my credit report and reversing fees collected.
Respectfully, XXXX XXXX XXXX, XXXX, XXXX, XXXX
|
11/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/2018, I received a {$300.00} check from a gentleman for merchandise he bought from me. While the gentleman was in front of me I called his bank to verify that the account was active and the funds were available. XXXX XXXX was the bank that the check was drawn on and they confirmed that the account was active and funds were available. Once we finished our business, I deposited the check into my Capital One 360 checking account. I check my account via the mobile app at XXXX and it stated that the first {$200.00} was made available til the check clears. At XXXX, I received an email stating that fraud prevention put a hold on my account and wanted me to call in asap. At XXXX, I called Capital One and was transferred to fraud prevention. They said that they called XXXX XXXX and was told that the check would be returned for NSF and because of that Capital One was closing my account and ending any business relationship now or in the future. I told he guy in the fraud dept that I didn't understand why they were closing my account since I did what I was suppose to do. At this point, I asked when my money was going to be released since I do have children that I need to care for. I was told that they would be keeping the funds and waiting for the check to be returned so that they could return it to XXXX XXXX.
On XX/XX/2018, I decided to check my account to see what had happened with the check. To my surprise my account was still open and this time my over all balance & available balance was {$300.00}, but states that the funds are unavailable for withdrawal and that I needed to call in yet again. So at XXXX, I called in and they transferred me to another dept that wasn't fraud prevention. I was told that they only do out bound calls and that they could transfer me to a voicemail. I asked them to please transfer me were I did leave a voicemail. Around XXXX, I still received no call from anyone at the bank so I called in again to try and reach someone before the end of business day. The rep said that they couldn't give me any info nor release the funds. I asked him to transfer me to someone that could do something. I was transferred to XXXX ( manager ) who was rude straight from the beginning and so I told her that I wanted to speak to someone higher than her and she stated that there is no one higher than her. So I asked her, are you telling me that you own the bank? She stated no but refused to give information to anyone higher than her. The next thing I knew the call was disconnected.
So instead of letting myself get upset, I decided to wait to see what happens with my account since I used to work for XXXX XXXX and I know their banking policies. It's now the first week in XXXX and in the mail I received a statement for my account stating that it's still open and it's earned interest of {$0.00}. That got me a little curious, so I called Capital One again. This time I was told that It's a ghost account and the money isn't really there. I asked them to explain how this ghost account is earning interest on money that isn't really there and no one had an answer for me. So yet again I asked for someone higher than the person that I was talking too and was told that there was no one else that I could talk too. By now my fuse was starting to get real short since no one could give me any answers, so I started doing my own research when time allowed me. Now it's the beginning of XXXX and almost 2 months since I deposited the check into my account and I'm receiving another statement stating my account has earned more interest of {$0.00}. I called Capital One again and asked to talk to someone in fraud prevention. This time they wouldn't transfer me to the voicemail, but told me if there was any changes to my account then they would call me. I told the lady on the phone that I used to work for XXXX XXXX and if the money is in my account then that means the check cleared. I told them what they are doing was illegal and that I wanted a date that my funds would be released. I was told that they wouldn't be and then the agent started getting really rude. Once I got off the phone this time I started looking over Capital One 's policy and that of the Federal Reserve under regulation CC. I found out that my funds are suppose to be released to me once the check clears the other bank and that if for any reason they are to be held longer that I'm suppose to receive written notice telling me why and a date when they will be released. I never received anything of that sort from Capital One. It's now XXXX, 3 months since the check was deposited and I received another statement saying that my account earned more interest of {$0.00}. This time I was going to stand my ground. I called Capital One again and explained to XXXX ( manager ) that the way they are holding my money is illegal. I read her Capital One policy, the Federal Reserve regulation CC and informed her that I used to work for XXXX XXXX so if they were going to return the check then they would have done so already. She tried to be as helpful as she could, but she was at a loss herself. She did tell me that I could contact customer satisfaction, but they can only be emailed. I explained that with XXXX coming up pretty fast that I just needed my money to do something for my kids. She was completely sympathetic, but her hands were tied. I did send an email to customer satisfaction, but have heard no response as of yet.
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12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Immediate deletion of the account and 1,000 $ per violation of the FCRA Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans. debt collecting. providing real estate settlement services. career counseling ( of individuals seeking employment in the financial services industry ). The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ).
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX,. Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital One Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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08/16/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This vehicle was purcharsed XX/XX/2020. Facts sheet and definitions I the consumer has a right to invoke and specify a remedy I am invoking and specifying my remedy as a consumer. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer credit reports and I would like to receive my title. Any payments I made on as alleged debt that I allowed the debt collector to assume was valid it is my right to direct the debt collector to return or send my payments wherever I request which I choose by check.
Exhibit A According to 15 USC 1692 H states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts. Such debt collector may not apply such payment in accordance with the consumer directions. This is a violation. According to 28 usc 3002 the untied states of America defines itself as a federal Cooperation. When I the consumer purchased my vehicle to finance your cooperation /company used my social Security card. My Social Security card is attached to the Social Security administration. And the truth in lending section 15 USC 1601. Exhibit C .My social security is defined as a credit card. As a consumer I know that my social security card is used as an instrument by the Federal cooperation 28 usc 3002 which is the untied states My social security card is connected to an account at the federal reserve or trust that houses millions of dollars on my behalf.
Capital one used my social security to fund my consumer transaction to make me believe they loaned the car to me when In reality the transaction Ive done is already paid for which means I am the original creditor and this also is a violation. Anything connected to my social which is to the federal reserve Is In the positive. Anything again with my social is already paid for. Exhibit D A credit card which is defined under section USC 1602 in the truth in lending section states that any card coupon or book or other credit device existing For the purpose of obtaining money property labor or other services on credit. This is why every transaction that involves my credit which is my Social Security card comes in the positive and its an open ended credit card. My car was paid off before I even purchased it. I am the original creditor.
In my auto contract under the section security interestit states The security interest that you are giving us secures all amounts owed by you under this contract And all other agreements you have in this contract. Which means the car is paid for and Im literally paying the car note because I never requested validation and I allowed the finance company that debt was valid also a violation. Exhibit E According to 15 usc 1692 G Violation of debts number 3 states A statement unless the consumer within 30 days after the receipt of the notice disputes the validity of the debt or any portion thereof The debt will be assumed to be valid by the debt collector. This is a violation. There is no loan in my name because theres no such thing as a borrower. Which means I cant borrow my own money. The term borrower or citizen is never mention one time in any of the laws including The fair credit reporting act usc 1681, fair debt collections practices act usc 1692. Exhibit F According to 15 usc 1692 The only person who can extend credit is the only person who is creating the debt, which is me.
Banks can not loan money. It is illegal for a bank to loan money. It is impossible. You telling me this is a violation. So if banks can not lend money the credit is coming from me. Again I am the consumer and the original creditor. According to the FDCPA the term debt collector means any person. Exhibit H The FDCPA 1692 states that any person or any creditor or any company Who attempt to collect a debt is debt collector. Capital one you are the debt collector. In law fraud trumps any solemn contract. My contract contains fraud which means its null avoid. Exhibit G According to USC 1602 in the truth in lending act number 5 states PREMIUM or any other charge for any guarantee or INSURANCE protecting the creditors against the obligor 's default or other credit loss. My insurance is suppose to be included in my finance charge. Me paying my insurance is not suppose to be a separate thing. Exhibit H Usc 1605 Another violation - 1690 usc 1692 Harassment or abuse 1692 D A debt collector may not engage in any conduct The natural consequence and which is to oppress harass oppress or abuse any person In connection with a collection With a debt without limiting a general application without before going. The following conduct is a violation of this conduct. The use Or threat of use of violence criminal Means to harm Physical reputation Or property of any person. So you cant threaten me. Also The use of obscene or profane language Or the language natural consequences with the abuse to hear or read. You mailing my car payment to my house of residence is obscene and profane language to me in my opinion. You telling me if I dont pay my car note by this date it will accumulate more interest, report late to my credit bureaus is a threat to me. I am highly upset and this situation is baffling. I feel robbed for my innocence and feel taking advantage of. I am mailing my affidavit of truth certified mail today to Capital One when I am done submitting this request, along with my invoice. I have a right to rescind.
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02/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I opened a capital one credit card and about a year ago I was out shopping and my card was declined though I had a substantial money on the credit card. After the verification I made a purchase and then another purchase which was declined and every single purchase after that was declined. I came home and called the card services department and verified every single purchase on my account, the amounts, and mind you the automatic text was sent to the number on file.
They told me that someone would be in contact with me in 7-10 business days and I was so surprised because working as a XXXX XXXX we would immediately get to the bottom of this situation.
Needless to say a year has passed and my account has been restricted for a whole year.
I have paid every single payment on time and paid the card off in its entirety and while still having a " restricted '' label on my card.
I have been unable to make any purchases and paid off my card, however they are worried about fraud.
The narrative is now we needed you to send in documentation like my ID and Bank Account information and pay stubs. I would never send them a pay stub, for what reason when you also need general bank verification information.
There is an annual fee for the card and on XX/XX/XXXX I was just charged a {$95.00} annual fee for a card that was restricted and just received a letter a few weeks ago saying if I do not verify my account it will automatically be closed.
I am hard pressed to really understand how fraud is a real issue for capital one on this account when I get a letter in the mail a year later telling me if I do not verify my account it will be closed in a month.
However, I was sent this letter to the address on my unverified account. If I would have missed a payment or not payed I would have been sent to collections and racked up fees.
While being a customer at a national banker when there was an alleged fraud issue it was handled the SAME DAY.
It was important for them to get to the bottom of this issue immediately.
However that took EVERY SINGLE SOLITARY on time payment and even the lump sum final payment of over $ 1,000+ while the account was restricted and they were still unsure if it was me.
I have {$22.00} in rewards that I could not access since my account was restricted I spoke to an attendant and she said that they could give me my rewards I spoke to a supervisor and she stated that she could not give me my rewards because my account was restricted and I would have to verify my account by sending in back statements, bank information and ID Cards o This was after I asked my account to be closed o Why would I send them personal information on an account that is about to be closed, what would you be verifying at his point?
o Now I feel like Im being talked to like I am crazy My credit card is automatically linked to my bank account, so potential fraud is very serious so why it would have taken someone 7-10 business days to even get back to me after I called immediately to verify my account when it happened is beyond me. Thats a huge vulnerability for the customer at that point I was allowed to pay every single payment and pay the card off in full and be charged a {$95.00} fee for the card that I could NOT use since XXXX o Were my potential account hackers kind enough to pay the card off monthly?
I was given such run arounds for my {$22.00} in rewards. However on a still restricted account that I CAN NOT use, where they still needed to address fraud from XXXX, where the account has been paid in FULL, I was able to pay the {$95.00} egregious fee while on the phone ineffectively trying to get this issue resolved today on XX/XX/XXXX o Not Knowing if it was me because I still have not verified the alleged fraud from XXXX they closed they account How did they know it was me?
But I can not get my rewards because they cant verify that it is me and the account will be closed, BUT they took the {$95.00} fee payment AND proceeded to tell me that I will still be responsible to for additional charges Again how do they know that it is me?
The way that I have been treated is so HURTFUL and ERGREGIOUS to be treated like this. I am filing a BBB claim and Attorney General Claim and debating a claim with the FTC.
It feels like, I had some fluctuations in my credit, however, they had already issued me the card with a {$3000.00} limit. I had JUST made a purchase from XXXX online that was approved with no problem. Once I went out shopping that week, I think that they got wind of my credit fluctuations and decided that they could not take the card back, so they would restrict it with the fraud claims. And given the lack of urgency on their behalf with the fraud claims, they were able to keep the account restricted and receive on time payments without the risk of their being any potential of revolving high credit balances. I may be way off base, but in my previous line of work, the lack of urgency regarding a potential issue of fraud that had been allowed to casually and cavalierly go on for a year would have been a major issue for the department and organization as a whole. I am patiently waiting for a class action lawsuit to possibly come out against capital one because this is something else. Sometime you can not prove mistreatment, but it always comes out eventually.
I have closed both my checking and credit card account on XX/XX/XXXX as a result of this issue.
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09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is an official complaint against Capital One Financial. Involving an active dispute with a merchant regarding cancellation requests.
I was advised by Capital One Financial on XX/XX/2023 to file an active dispute regarding a purchase to be made later that same day. I called Capital One inquiring on refund protection. The reason I called is because I had suspected that an issue may/could potentially arise from the merchant, regarding order cancellations. I was encouraged and then directed by the Capital One Financial representative to file an active dispute with them if a problem did occur with the purchase made later in the day.
I made a purchase from the merchant Parts for repair on XXXX at XXXX XXXX. After completing the purchase order I was advised that the shipping location was located in XXXX even though the Web account and contact details provided a mailing address in the United States. It was agreed that I would purchase a replacement screen for my I phone and return the order made the month previous as a direct exchange. Because the return address was located in XXXX the company refused to cover shipping costs. And was requiring that I cover the full burden for shipping items back to their company in XXXX. I did not agree to this deal and requested an immediate refund of my purchase.
I contacted the company directly at XXXX and at the phone number provided XXXX Immediately following the order, to request cancellation. No one was available to take my call, and my email was never answered.
I sent an email that provided the following 'Please do not ship item Please cancel and/ or hold order. I have not agreed to purchase '.
I then requested a return shipping label And emphasized the fact that XXXX have not agreed to ship the item back to XXXX XXXX. I requested to cancel the order placed. This information was sent to a XXXX XXXX at another email address XXXX This email was responded to and addressed however not until XXXX. I was provided the following 'We ask our shipping carrier to hold package, but it is on the way to XXXX XXXX XXXX not able to hold it now? '. I asked then to cancel the order and requested a full refund. I provided the following " I will require a refund for the purchase price. As I never agreed to fulfill the purchase. '' ( As the shipping location was located in XXXX and I did not agree to this ) I had contacted Capital One a day earlier and had then requested to dispute the transaction as unauthorized. I did so knowing I would be given refund protection. This was done on XXXX and XXXX.
I received a letter from Capital One stating that a provisional credit was awarded and that decision was then reversed. Capital One based their decision on the following '-Confirmation showing no return policy was received '?
Meaning I was provided the information that parts for repair does not accept returns? That information is not true, and does not relate to this case. I was provided the opportunity to return the item, and was given a return voucher. And was requested to return the item. Parts for repair requested and initiated the return/refund request with the stipulation that I do pay for all the shipping costs.
I again did not agree to this. Capital One has no basis for denying the claim, based on -no return policy was received?
Capital One then requested a signed letter including a statement which was sent then received. The letter requested a written deadline of XX/XX/2023 This is not possible due to the fact the letter was received and sent after the deadline after XX/XX/2023. ( Please refer to attachment circled sections : letter dated XX/XX/2023 ) I provided in the statement letter all the information requested including the name of merchant transaction amount and date with the case number. And was told that the letter was received after the deadline and the letter lacks all the information previously requested. Capital One then denied the claim.
I will require an explanation as to why the letter from Capital One was sent and received after their prescribed deadline. And what specifically is Capital One requesting or better worded what was specifically missing in the written and signed statement letter.
No information was provided other than the claim XXXX denied and -the deadline was not followed I did contact and request cancellation through several sources via direct contact and email. The law states that all XXXX sellers will provide refunds according to the Consumer Financial Protection Bureau the Law reads a consumer must provide a XXXX minute cancellation right under statute XXXX This was not followed by the merchant and/or Capital One.
Capital One and the merchant Parts for repair are fully liable. And in this case I am owed the/a full refund. Capital One is responsible for purchase protection and is clearly negligent as is the merchant. The Law was not followed and I never did agree to the purchase requirements of shipping items back to XXXX. ( And being charged outstanding international shipping rates. Prices that are not reasonable ) I required 'refund protection ' from Capital One Financial XXXX Capital One was a total failure in every aspect and only sided with the merchant based on contact. And did not take into consideration the actuality and fact based information. -no return policy was received has no basis for a denied claim.
I am owed the full refund.
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07/12/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have numerous unauthorized transactions on my bank account and capital one tells me I did them. I did not do these transactions and want my money back NOW. HOW CAN THEY TELL ME I DID THIS. I AM LOSONG MY HOME BECAUSE OF THEM, MY CAR XXXX XXXX EVERYTHING. This is very long to bear with it. Here is the list of most of the transactions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for account ending in XXXX XXXX XXXX, We received your message about your dispute. On XX/XX/2022, we let you know your dispute was closed because we didn't find any errors during our research.
As requested, here are the attached docs used to make our decision about the dispute for the following transactions : the attached docs used to make our decision about the dispute for the following transactions : Transaction Dates and Amounts XX/XX/2022 - {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We understand this isn't the resolution you'd hoped for, but we consider the charges valid and due as billed. We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute.
Thank you for being a Capital One customer.
Products and services offered by Capital One XXXX XXXX, XXXX FDIC.
XXXX XXXX XXXX XXXX Capital One. Capital One is a federally registered service trademark. All rights reserved.. To contact us by mail, please use the following address : Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
09/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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MERCHANT, CAPITAL ONE QUICKSILVER MASTERCARD ACCOUNT MADE A FRIVOLOUS CLAIM THAT RESULTED IN A RE-APPLIED CHARGE OF {$360.00} BACK TO CONSUMER, XXXX XXXX AND XXXX XXXX XXXX CREDIT ACCOUNT THAT WAS UNDER DISPUTE.
CASE SCREENING FACTORS : Merchant, Capital One re-applied a charge that was under dispute and back to Consumer, XXXX XXXX and XXXX XXXX credit card account. On XX/XX/2022, Consumer placed an online order from retailer XXXX for a camera device from a subsidiary merchant, XXXX XXXX. XXXX XXXX charged Consumer {$360.00}. Consumer paid for the sale transaction through his Capital One Quicksilver Mastercard credit card account. The sale between Consumer and subsidiary merchant was transacted through XXXX under XXXX order number XXXX.
On XX/XX/2022, Consumer received a defective item and/or a camera that was nonfunctional from XXXX XXXX that was shipped from XXXX.
Consumer contacted XXXX XXXX through XXXX online platform to make arrangements to return the item back to XXXX XXXX and refund {$360.00} back to Consumers Capital One Quicksilver Mastercard credit account. XXXX issued to Consumer a XXXX XXXX XXXX ( XXXX ), pre-paid return packing slip for the nonfunctional item. Consumer packaged the item with the pre-paid return slip and delivered the item to the XXXX XXXX XXXX. In turn, XXXX provided Consumer with a shipping tracking number XXXX. The slip showed the packaged was Drop-off and shipped from The XXXX XXXX x located at xxxx.
On XX/XX/2022, the package was delivered to receiver, XXXX XXXX, located in xxx,.
On XX/XX/2022, Consumer contacted XXXX XXXX through XXXX online platform to request a full refund. XXXX XXXX replied stated that only {$27.00} would be refunded instead of {$360.00} due to a restocking fee NOTE : DJI Store advertised a complete and proper functional, handheld camera as described on XXXX online platform.
The item Consumer received was a defective camera and not as described on the XXXX online platform. Instead, Consumer received an item that did not function properly as the camera did not record and/or operate according to camera specifications.
CONSUMER RETURNED THE ITEM AS INSTRUCTED BY XXXX BACK TO XXXX XXXX AFTER XXXX XXXX RECEIVED THE ITEM, XXXX REFUNDED CONSUMER {$27.00} INSTEAD OF {$330.00}. ACCORDING TO XXXX XXXXE, A RESTOCKING FEE REFUND DEDUCTION WAS APPLIED DESPITE XXXX A-Z POLICY THAT EXCLUDES XXXX CLAIM.
On XX/XX/2022, Consumer replied to XXXX XXXX through the XXXX online platform and stated the following. Reported camera defective. Requested return and full refund. Seller approved.
On XXXX, Consumer received return shipping label from seller.
On XXXX, seller received camera. HOWEVER, seller DID NOT REFUND full amount of {$360.00}. Therefore, Consumer contacted XXXX XXXX, through XXXX online platform requested the complete refund.
Notwithstanding, XXXX XXXX refused to refund XXXX the {$330.00}.
The transaction in question was conducted through XXXX online platform and the credit card used to pay XXXX XXXX for the order was through Consumers credit card account managed by Capital One Quicksilver Mastercard ( Quicksilver ).
The charge of {$330.00} was applied to Consumers Quicksilver account on XX/XX/2022 and through XXXX and/or from XXXX XXXX XXXX Since XXXX XXXX refused to cooperation with Consumer, Consumer opened a dispute claim through Capital One and have the charge reversed back to XXXX XXXX.
Consumer contacted Capital One during a recorded phone call to open a dispute claim through Capital One. Consumer provided pertinent details for the reason for the dispute and/or any other information Capital One service operated requested such as date of charge, amount of charge, merchant who charged the account and reason for the dispute. Capital One stated, No other information was needed for the dispute claim and would investigate the claim. In the meanwhile, a credit would be applied back to your account for the amount of {$360.00}. The merchant will have 90 days to respond and a decision will proceed after the investigation is completed.
NOTE : Since XX/XX/2022 and from the time Consumer filed a dispute claim with Capital One, Capital One did not contact Consumer and did not indicate that any additional information was needed from and/or by the Consumer.
On XX/XX/2022, Capital One indicated that the open dispute with XXXX and/or XXXX XXXX was closed due to Consumer failure to provide any additional information of the case. Furthermore, Capital One refused to help Consumer with the claim and considered the dispute closed.
CLAIM : Consumer opened a dispute with Capital One on XX/XX/2022. Consumer provided Capital One with all information requested by Capital One and Capital One indicated that no further information was needed. From XX/XX/2022 and until XX/XX/2022 Capital One did not make any contact with Consumer regarding the open dispute. On XX/XX/2022, Capital One indicated that the dispute was now closed due Consumer not providing additional information as requested. Notwithstanding, Consumer paid the balance of {$330.00} that was reapplied to Consumers account and closed the account with Capital One due to Capital Ones misrepresentation. Not only did Capital One base the closure on frivolous claim, Capital One failed to provide Consumer with any communication and/or correspondence that led to the dispute closure opened by Consumer.
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06/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Dear CFPB : I have been an excellent credit card patron, paying my card balance regularly and reliably. I have an ongoing with Capital One.
On XX/XX/XXXX, I requested by telephone, that my credit card account be closed. Subsequently, the same week, I sent written notice to Capital One to close my account. I asked that my credit report reflect that the account was " closed at the consumer 's request. '' I also requested written confirmation of the account 's closure. I indicated in writing that I was closing the account due to the fact that it was disputed and frauds were perpetrated upon me by two separate merchants almost simultaneously.
One dispute was with XXXX XXXX XXXXXXXX XXXX ( XXXX ) ; the second dispute was with XXXX XXXX. I have had credits cards for ages and I never had two ( 2 ) issues simultaneously or even filed an official dispute to any extent.
XXXX XXXX XXXX XXXXXXXX ( XXXX ) : A filed dispute with XXXX XXXX through XXXX was supported by written evidence by this writer to show that the said merchant failed to supply the accommodation that was pictured in his XXXX posting and additionally he supplied a rental unit that was not only substandard, but very dangerous. This writer did not utilize the accommodation to the extent paid for, had to stay with others ( friends in XXXX ), and communicated both complete dissatisfaction and request for refund overtly to the merchant. Merchant perpetrated a fraud on me ( the consumer ) and my card company accepted the charge as valid. IT WAS FRAUD. I have a private attorney who advised me to lodge complaints with CFPB and that he will litigate this matter for me if it is not resolved.
XXXXXXXX XXXX : A filed dispute with XXXXXXXX XXXX - XXXX XXXX was supported by written evidence by this writer to show that the said merchant indiscriminately charged a significantly higher rate to this passenger while supplying most passengers an extremely reduced rate for the same stateroom type. A change in advertised ports-of-call ( after booking ) due to a severe propulsion issue on the ship caused XXXX to offer passengers drastically reduced rates of {$190.00} if they cancelled their booking and then rebooked. While passengers who were loyal to XXXX and did not cancel after the notification of the port change, paid the full price of {$6200.00}. This writer only learned of the discriminatory practices after being on board the ship at sea. This writer made XXXX aware of the fact that the charge was not authorized ( rejected ) while on board the ship at the XXXX 's desk and by completing a ship-to-shore telephone call to dispute the charge, which constructively constitutes " leaving the ship '' since it is impossible actually to leave the ship while it was at sea. This writer contacted the XXXX 's desk and engaged in an extensive ship-to-shore telephone conversation with the travel agent to dispute and to " unauthorize '' this charge. The fact that XXXX offered a drastically reduced rate to passengers similarly situated in stateroom types equal to that of this writer, creates a unfair and discriminatory charge, unjustly enriching travelers with similar stateroom types who paid only {$190.00} while negatively disadvantaging this writer. A senior Advisor at Capital One indicated that this writer supplied more than enough evidence to support reversing this charge, however the fact that this writer " remained on board the ship '' would " negate the refund. '' Clearly, the fact that this writer attempted to " unauthorize '' the charge by contacting the XXXX 's Desk after learning ( while on the ship ) of the newly discovered evidence of the vast adjustments in price that were made to other travelers similarly situated supports that XXXX effected a fraud and misrepresentation in the inducement upon this writer.
Capital One failed to properly adjudicate these two ( 2 ) separate disputes in my favor after both merchants were proven by submission of VOLUMINOUS documented and incontrovertible evidence to have fraudulently, discriminatorily, and improperly charged my card.
*Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, this Capital One ( or any credit card ) company can not compel payment of the outstanding disputed balance. If Capital One elects to report this matter to any credit bureau, legally, Capital One will be required to notate the fact that this balance is an amount that its customer/cardholder does not believe they owe.
Disputes and Unauthorized Charges under : Federal law 15 U.S.C. 1643 limits a cardholders liability to a maximum of {$50.00} for unauthorized charges. That being said, under the statute, and according to the Fair Credit Billing Act, the customer/cardholder is protected against charges for goods and services that have not been delivered as agreed upon.
The law provides that the customer/cardholder may withhold payment of any balance due on goods/services purchased with a credit card, provided he/she has made a good faith effort to return resolve the problem with the merchant.
Final and full payment of my actual balance owed was included and paid to Capital One in XXXX of XXXX. I noted it was a final payment and they cashed the check knowing that I was not paying the disputed amount - because the charges that remained were fraudulent, unauthorized, and/or facilitated under false pretenses by the merchant.
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09/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased 69 vinyl picture disc records for a total of {$810.00} ( charged to my CapitalOne Quicksilver card through XXXX ). After listing them for sale on XXXX, I was contacted by XXXX to let me know that the listings were removed at the request of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) due to the fact that they were illegal counterfeits. After trying to deal with the merchant directly without success, I disputed the charge on my card through CapitalOne on XX/XX/XXXX. CapitalOne stated that I would receive a letter in the mail within 30 days. That letter was not received until 42 days later. In the letter, CapitalOne required specific documentation to be returned to them within 12 days of the time the letter was received, and that was at the height of USPS delivery delays. I sent the required documentation to them on XX/XX/XXXX ( just two days after I received the letter ). I later received a letter stating that the case was closed in the merchant 's favor and the pending credit was re-billed due to the ( untrue ) fact that I did not return the documentation as requested. I called CapitalOne to inform them that I did, in fact, send them the completed form, a copy of the XXXX transaction page, and three reports from the XXXX detailing the items as illegal counterfeits. Sure enough, they did have the documentation, but they closed the dispute anyway. I was able to get the dispute reopened, but just today, XX/XX/XXXX, I received a letter stating that it was again closed in the merchant 's favor and the pending credit was again re-billed. In this letter, I was told to address the response from the merchant which was supposedly enclosed. There were two additional sheets of paper, but the first one ( which had the vast majority of the writing ), was printed so small and pixelated that I could only read an isolated word here and there. I asked another member of my household if she could read it, and she could not. In addition to addressing the merchant 's response, I was asked for a copy of a sales invoice, a second opinion about the authenticity of the records, and a few other pieces of information. I called CapitalOne and was on the phone for over an hour. I expressed to them that I could not read the tiny pixelated text that was supposedly the response I was supposed to address. Never, in over an hour, did the associate explain what that text said. I explained that I had already submitted the XXXX order screen ( the closest thing to an invoice that there was for this transaction ) as well as statements from the XXXX detailing these items as illegal counterfeits. The associate continually put me on hold ( I would say at least 6 or 7 times ). She stated that they needed a second opinion in writing from a record collector. I explained to her that the XXXX was the highest authority in the U.S. for recorded music and that most collectors do not have the training to accurately determine the authenticity of an item. Still, she insisted I get a letter in writing from a collector. I explained to her that I am a collector, and asked if I could write the letter myself. She put me on hold ( again ) and then explained that I could not. I told her that no one I knew was a record collector and that I did not feel safe going out to antagonize random people during a pandemic with this absurd request. She gave me a phone number to a record store which she claimed was nearby me and asked me to take the records to them and have them write a letter explaining their opinion of their authenticity. I again explained that I did not feel comfortable going into a record store during a pandemic, particularly for what would likely be a lengthy stay ( again, there are 69 records for them to authenticate ), but that did not seem to concern the associate. I also explained that it is not at all common for random strangers to walk into a record store with a box full of records and ask for a formal letter explaining their authenticity. I claimed that, first of all, most record store owners ( or employees ) are not qualified to make that determination. Secondly, even if they were ( or falsely claimed to be ), the likelihood that they would take hours out of their work day to examine my items and write a formal letter to CapitalOne is slim to none. As I explained to the associate, CapitalOne already has the documented opinion of the XXXX, and no record store is going to be a higher authority than that. As the call began to get escalated, the associate claimed that CapitalOne was looking to help me from the beginning. I asked her how they were helping me when they gave themselves 30 days to send me a letter, actually took 42, then expected a reply from me in just 12 days. She was silent for an extended period, so I asked again. She started to explain and defend just about everything except the actual question I asked. I had to stop her several times and ask again, and that was always followed by more silence. When she refused to address the direct question, I informed her that I would be contacting the CFPB and hung up. I need this case closed in my favor. As stated, I have provided sufficient documentation showing the XXXX has deemed these records to be illegal counterfeits. No record store should need to waste their time writing a letter to CapitalOne that XXXX at least in all likelihood ) they are not even qualified to write.
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02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Capital One Platinum Card XXXX - False 30 day late reported ( *They have both my cards with them in my statements listed as platinum cards when one is a quicksilver- please make sure you are looking at the right cards history when reviewing ) Capital one has REFUSED to remove a 30-day late payment that they added to my report in XX/XX/2019 that was sent to the credit bureaus in the month of XX/XX/2019. Capital One knows as well as I, that the reporting the bureaus should have never even occurred ( as I have several of their managers on recorded phone calls stating so ) because this account was in the middle of a fraud dispute when my credit card was run up thousands of dollars due to identity theft.
It literally took them 4 months to resolve the issue and they most definitely would not have if I didn't call them every single agonizing day spending upwards of 5 hours on the line each time. day after day I had to re-explain the entire chain of events to someone new, get put on hold for 30 minutes at a time and then hung up on ... My hair has turned gray from their repeated incidents of indecency.
I also have every single call recorded from that incident as well as And in calling every day you really get to see what Capital One 's employees think of their customers.. in my recordings is some of the most apathetic, inhuman and cold conversations I have ever had, all because I had the soul-crushing misfortune of having my Identity stolen- I somehow now have been branded guilty until proven innocent by their employees before I even come on the line.
So four months go by of them playing games.. I have over 70 pieces of paper they sent me for just this card alone that shows the timeline plain as day. They finally decide the case in my favor and put back some of the money. Turns out, they forgot to reverse and recalculate interest fees that still had me owning a near {$800.00} payment before they would release my credit back to me- when I had ever only used a tenth of my credit line myself.
This practice I am told, of withholding credit following a fraud case until payment is made is also against the law. But low and behold they did it. I knew something was wrong and quickly noticed the fees and unreturned late payment charges that they had tacked on towards the end of the dispute. After another 3 weeks of calling every day- the hang-ups- the lies- the random transfers to voicemail machines that no one owes.. they finally correct the mistake- it was still off but it was close enough I guess and I was facing a lot of other ID theft at the time and tired of arguing with them. Throughout the months- and this has been confirmed on recording by managers as well, I continued to make the cards minimum payment as necessary under FCRA XXXX Even so- Capital One still refused, after all of that, to release the credit until a made a {$150.00} payment of which they stated IF my credit was release to me following the payment, it would set my monthly payment back to what I really owed- {$54.00}. IF they allowed me my credit back that got stolen from me.
This all took place between the months of late XXXX to late XXXX. The only thing that should have been reported was that the card was under investigation per the FCRA, but at some point a month or two after they had reported a late 30 day late. I immediately called in and spoke to a manager who stated that she understood and clearly saw there was a dispute going on and that I had made all of my minimum payments in spite of the dispute. The dispute was closed out in my favor and I did not have any late payments on in my file from that time period. She told me it was easy-peasy and she would have it removed.
Well that was the last of the kindness I had received from Capital One. Ever since then they have outright refused EVEN THOUGH they all state they can see there was a fraud investigation going on there, that it was decided in my favor and that I made timely minimum payments.. yet they still cant, wont or dont care to do the right thing and have them removed.
On two occasion they made me scan in all pertinent paperwork THEY sent me and ALREADY HAVE to prove to THEM that THEY messed up.. even though they would acknowledge what I was saying to be true. Now when I bring it up their employees get downright hostile and it is clear that something is written in my file that causes them to treat me like I am less than human.
I have submitted the paperwork they have requested twice in three different mediums each time, by snail mail, fax and email and each time someone in some small office somewhere has denied my it knowing nothing about what I went through with their fraud team and how it truly is a mistake on their part even though its all on the file in black and white.
This is not right- the FCRA has clear reporting rules set for periods of investigation and they are openly and knowingly violating it and the CRA 's are letting them as I have disputed it four times now. This single late payment is stopping my family- my kid, from being able to have her own room and us the ability to purchase our first home. I am sorry you guys had to " deal '' with another identity theft victim and think I should be somehow punished for that every time I call in but not only is it completely inaccurate reporting and against the rules of the FCRA, its just downright dirty and wrong.
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03/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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XXXX XXXX XXXX XXXX XX/XX/2022 @ XXXX from XXXX - I received a group text to me about working as a PA part-time. It stated, " Serious person needed urgently for the job ; work from home job {$600.00} per week ... 100 % legit ; it doesn't disturb your current job if you already have one ; location and working experience doesn't matter ; will pay you in advance to give you assurance of steady pay ; for full details and application visit https : XXXX ( XXXX XXXX XXXX ). I click the link sent and applied. XXXX @ XXXX from XXXX - I received confirmation text of my application. XXXX @ XXXX from XXXX - I received another confirmation text of my application. Then I received a text by someone named XXXX XXXX. He asked if I was still interested. XXXX @ XXXX - He texted to please let him know if I'm not interested in the job so that he can contact the next applicant. XXXX @ XXXX - I texted, " Yes, I'm interested. " XXXX @ XXXX - He that that my duties were to shop for gifts, pay bills and receive mail and packages. He asked if he could trust me with this job. XXXX @ XXXX - I texted, " Yes, no problem. " XXXX @ XXXX - He texted that I got the job and proceeded to verify name and address. XXXX @ XXXX - He texted that he supplies artwork to a company recently so he will instruct them to issue a check for {$1900.00} to me. He instructed me to deposit said check to my bank account once received then deduct {$600.00} as my 1st weeks wages and keep the remaining {$1300.00} safe for him and if I understood. XXXX @ XXXX - I texted yes then asked, " Can I also get a copy of the invoice proved to my email XXXX? '' No response. XXXX @ XXXX - He texted that he will keep me posted with all the necessary details once the check is mailed out to me and to save his contact info. XXXX @ XXXX - I texted XXXX @ XXXX - He texted that XXXX will deliver a XXXX of {$1900.00} to me soon. {$600.00} for me as XXXX week pay and {$1300.00} for artwork he requested to buy which XXXX will deliver to me. XXXX @ XXXX - I texted I understood. XXXX @ XXXX - He texted that the check has been delivered to my mailbox that day and asked when will I be able to deposit the check. XXXX @ XXXX - I texted, " Same day received. " XXXX @ XXXX - XXXX received mailed check and reviewed it and the envelope it came in ( check, dated XX/XX/2022, was written from a XXXX XXXX check with what seemed incomplete/fake street address, drawn from a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX ; XXXX from XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) . I texted that it may take up to 5 business days for the check to clear and texted him some of my concerns such as why the check company/location and the senders company/location weren't the same ; what assurances did I have that if the check doesn't clear for whatever reason, that I'm not held responsible ; once deposited, am I using my check card to the account to pay COD ; before depositing the check, I needed a receipt or invoice associated to the transaction that I was performing and for it to be sent to my email. XXXX @ XXXX - He texted in response stating, " First, the check will clear within 24 hrs, not 5 days. I told you the check is from the person I supplied artwork so the company is one of his companies and company is not his residence. You are to deduct {$600.00} as your first week pay then send {$1300.00} to the artwork seller. No transaction receipts will be sent to you because you are just my PA... You can mail the check back if you are not interested in the job anymore. Thanks '' XXXX @ XXXX - I texted, " XXXX '' XXXX @ XXXX - He texted me XXXX XXXX and asked when will I be able to deposit the check. XXXX @ XXXX - I texted that it was done but hasn't cleared yet. He texted to send the picture or screenshot of the deposit. XXXX @ XXXX - I texted him a screenshot of my email confirmation of the check deposit. XXXX @ XXXX - He texted asking if I made a mobile XXXX @ XXXX - I texted XXXX @ XXXX - He texted that the money will be available sooner, not 5 days. To let him know once the money is available in my account. XXXX @ XXXX - I texted XXXX @ XXXX - He texted to keep him posted tomorrow. Afterwards I looked up the company on the check and sent a note to them, via there website, asking if someone from accounts payable can contact about a check that was supposedly written by them. A gentleman by the name of XXXX called and stated that the check was fraudulent and that it will be rejected if cashed. He explained as a protection of their finances, they have to scan each check they write to a system that tracks fraud so that aren't liable for fake checks written in they company name. I told him thank you for the info and stopped all contact with individual named XXXX XXXX. Once it was confirmed that the check was fraudulent, I immediately called Capital One fraud department and left a vm about the check, not to cash it. Later I filed a complaint online with the FBI. **A few days later my bank account ( s ), checking AND savings, were closed by the bank indefinitely, with the explanation that fraudulent activity occurred with my checking account and that Capital One wanted no longer to do business with me. I was appalled and felt victimized twice... once from the check sender and once from the bank. XXXX - Filed report w/FTC ( report # XXXX )
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12/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Privacy issues
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Web |
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STOP gaslighting me, Kohls! I think it is INCREDIBLY disturbing that you keep telling me that my email somehow magically changed after, what, SEVEN YEARS - without my knowledge? That somehow my email magically was updated and that I magically lost the ability to READ my own email address on my user profile? Dude. I thought it would go without saying that I can read. Do you gaslight all of your customers like this, or is it just the women customers who you find too XX/XX/XXXX to read their own user profiles? If your system literally can not flag a changed email address or when or HOW it happened, honestly you need to FIX that. You need to KNOW when/who/HOW an email was changed, because it sure as XXXX was NOT me who changed it. I am still - this is the third time now - being told that because the phone associate ( again, not XXXX - the illegal one ) somehow changed my email back to my correct email because " it was ChAnGeD bEfOrE tHe XXXX '' ( liars ). You tried to buy me off with a {$50.00} in reward to cover your representatives wanton illegal behavior. I did not use that {$50.00} because I am uncomfortable with the way Kohls is handling my complaint, making me out to be an XXXX as if I do not know exactly what happened and what she did to my account illegally! If you were me, and you occasionally had people mistakenly believe you had a XXXX account, I think you'd be on high alert for seeing an incorrect email address on webpages, ESPECIALLY on credit accounts! I am always on high alert and very aware of my login info for every website and account, especially credit accounts. So stop gaslighting me, Kohls. When I logged into my credit account on XX/XX/XXXX, I was looking at my login info and there was NOTHING incorrect at that time. My interaction with XXXX had NOTHING to do with an email address, and I was literally looking at my profile info while she and I interacted. My email, as displayed on my own profile at that time ( and even now ) was accurate - MAIL dot com. So stop pretending that I must not have seen some hidden secret incorrect email address behind the iron curtain. I know what she did. My email address was a mail dot com address. I was literally looking at it on my profile, which is WHY I got so angry when this woman told me that I could go view my account info on my profile - because that is EXACTLY the webpage I was already ON. That paternalistic talking-down to me was completely unwarranted and entirely UNFAIR because that was the webpage I was on!!!!! My email was not incorrect when I logged in to chat with XXXX that day - So please stop telling me that she did not find me with my correct email. It is a lie, considering when you have an email changed it apparently generates an email, and zero - ZERO emails showing an email change came through prior to the XXXX and my profile that I was LOOKING AT WITH MY OWN TWO EYES was still accurate during my web chat with Grace. It was not, as you keep lying to me about, a gmail address that day at that time! Why are you defending this!? Why are you still, even NOW, making me out to be some XXXX who can't read my own user profile!? I know what happened to me. I don't even care about XXXX. I logged into my credit account account on the XXXX and was web-chatting with the associate, XXXX, and literally was looking at my correct email address ON MY CREDIT CARD PROFILE WHILE SHE WAS TELLING ME I GAVE HER THE WRONG EMAIL. That is XXXX. My email was changed by HER, and NOT the person on the phone who was helping me. You are liars - hiding the truth or simply ignorant of your own systems. I keep being told that my email was not changed on the XXXX - That it was somehow changed prior! IMPOSSIBLE, since the only email I have " confirming a change '' TO an incorrect email happened ON THE XXXX. My proof? What more do you want from me - I have been receiving emails at my correct email address prior to the XXXX and up until the time I got off of the web chat when I saw an auto-generated email come through that my email had been illegally updated! THAT HAPPENED BECAUSE SHE CHANGED IT. I SWEAR TO XXXX HOW CAN YOU STILL BE SO OBTUSE?? It absolutely was changed by XXXX. I got the email stating it was changed to a XXXX instead of my accurate account ON THE XXXX after chatting with her. I know how to read. I am ALWAYS on high alert to insure my credit accounts contain accurate info and you are STILL, this is the THIRD complaint, trying to make it out to where I don't know what my own email was and ALWAYS will be on an account I have had for at least a half a decade! You are still telling me that I do not know anything about my own account privacy. Kohls is still telling me that she did not do this when there is no way- NO way on XXXX 's green earth that the correct email I provided was not still my correct email on the day I was chatting with Grace. I was LOOKING at my CORRECT email as it was displayed ON MY SCREEN. The gaslighting has to STOP. This is so much worse than anything I have ever been through - a VERY serious complaint about an associate who provided me with inaccurate complaint information after changing my email and then terminating my web chat to escape accountability. Stop GASLIGHTING ME. Fix your systems to SHOW when or who changed this kind of VERY personal info. If you had this system in place, you would NOT be blaming me right now.
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05/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have been charged for the fraudulentcharges of {$1000.00} in my statement as adjustments. this is the reason for my email.
On, XX/XX/2020 at XXXX XXXX, i got an email from capital one asking, " Do you recognize this purchase? Merchant name- XXXX XXXX store , Amount {$1000.00}. I chose the option- No, something's wrong. Next morning, on XX/XX/XXXX at XXXX XXXX, i called customer support and at XXXX XXXX, i got an email that says i recovered my username and changed my password. In my statement, it said {$1000.00} is in pending status. i called customer support and told them that someone has hacked into my XXXX account and i am not responsible for any purchase and told them that i didn't even know that how can we buy things from XXXX or how to contact them for the same because i don'tknow what has been purchased or what information they would be needing. At XXXX XXXX, i got an email from capital one, " A recap of your recent fraud case '' we have shut down your card and issued you a new card. there is no need to worry. you aren't responsible for unauthorized charges. thanks to {$0.00} fraud liability. '' on XXXX XXXX, my new card was shipped and i received it by XX/XX/XXXX. On XX/XX/XXXX, i received a hard copy stating that " my fraud investigation is now resolved. Please keep in mind, the merchant may resubmit the charges within 45 days of this letter. '' REALLY??? you guys should contact the merchant. I don'teven know how to contact them, then whats the point of using your credit card if I have to contact them. I could have use my bank 's debit card for my purchases for that matter. If I am not aware what has been fraud purchased and from where and how. Then how am i supposed to contact them. In addition, i want to let you know, there were 3 fraud activities : 1. XXXX XXXX credit card- bought from XXXX XXXX ( hacker made fraud account and bought an apple phone cost worth around {$1300.00} and picked the phone in person from the store somewhere in California ) . XXXX XXXX immediately refunded my full money and told me all the above information. i didn'teven know from where did he buy so YEAH, I NEVER contacted THE MERCHANT in this case because how am i supposed to know what is being purchased and from where.
2. XXXX XXXX credit card- hacker hacked into my XXXX account and bought a gaming laptop worth around {$1700.00} which was shows delivered on my address. hacker had done some filterson my XXXX account from which i couldn'tsee the recently bought items so i would have never known the suspicious activities. but when i got to know about these i contacted them and they refunded my full amount.
3. Capital one credit card- hacker bought online from XXXX XXXX worth {$1000.00}. you guys said it will be refunded, don't worry and here i am still being charged with the money. i have fully paid the amount on XXXX, XXXX ( because don't want to lower my credit score ) but i need my FULL MONEY BACK.
I got letter on XX/XX/XXXX which was written on XX/XX/XXXX stating that " from research, i have found no indications of fraud, so charges will appear on next statement as adjustments. '' On XXXX XXXX, I contacted Fraud Department and had conversation for almost 40 minutes and they said he gon na mention everything in the notes and will inquires everything second time. But to my dismay, i didn't received any calls or email. So, i contacted them again on XX/XX/XXXX, and had conversation for almost 51 minutes and she said we will give you a call back to inquire but please pay the charges to avoid and late charges. Now please let me know is itfair to pay these charges which i have not made.
All 3 companies did their investigation and 2 companies refundedmy full money but you Capital One is the ODD MAN OUT. They have charged me something that i have not purchased.and you know what, their company was the last one from where hacker did fraud. and i started reporting the fraud activities after that and then i got know about the details of the fraud activity. Hacker had hacked into my gmail accounts and filtered all the emails from XXXX XXXX, XXXX, XXXX XXXX, XXXX so that I would never got to know about his fraud activities.But, thankfully i got to find out these in my statements. And my other 2 credit companies went through their investigation and fully refunded my money.
And one more thing, i wantto ask when we chose ouroption right after we get your email of purchase that there is something wrong and this isunauthorized transaction, why was this payment processed anyway and why the merchant didn'tasked for CVV code or anything, then what was the point of sending the email of purchase if it went through.
So, lastly, i just want to say, please refund my full money and give me compensation of my time that i have wasted on capital one. I have always done my payments timely. please do investigation completely- from where this online order was placed. why did it go through when i chose NO, something is wrong, then why did it delivered. why didn't the merchant asked for CVV code and i didn't sign anything. so REFUND my MONEY. I am not asking for any help. that's my right to get my money for zero tolerance to fraud liability. So, i should receive the service which was promised. Other 2 companies were par excellence and they did a really great job. they didn't harassed me like capital one is doing.
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08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX, I received an email notifying me that my Capital One account was closed on XX/XX/XXXX. I had no idea that my account was at risk of closure, so this was completely unexpected.
On XX/XX/XXXX and XX/XX/XXXX, I called to ask about why my account was closed and to try to find a resolution. I was told that Capital One sent me two notifications warning me about the account closure ; one by mail, which I have no recollection of receiving ; and another by email, which I only found in my inbox while I was on the phone with the Capital One representative. On both occasions, I was told that there was nothing Capital One could do to remedy the situation and make me whole.
I don't feel it should be necessary for me to justify why I was not using the Capital One card in question, but the following is included for context and transparency : I have more than one credit card and signed up for this Capital One card to use as a " travel '' card because it offered more travel rewards than most of my other cards. I used the card extensively after I got it, even earning the sign-on bonus. According to my XXXX credit report ( reviewed XX/XX/XXXX ), my last activity on this card was in XX/XX/XXXX, which agrees with Capital One 's justification for the closure of my account. XX/XX/XXXX is also right before the start of the global Covid-19 pandemic, which made travel difficult and unsafe. Accordingly, I had little need for this Capital One card, which I had designated as a travel card.
Given the serious implications of credit card account closure, including, in this case, the forfeiture of XXXX reward points, Capital One 's notifications about my impending account closure were entirely inadequate.
I can not speak to the effectiveness of the mail notification ( because I didn't see one ), but the single email message I received was easily overlooked. I've attached a screenshot ( Capital OneXXXXScreenshot_1 ) of the inbox search I had to do to find the message. As shown in the image, none of the messages clearly indicate that my account is at risk of closure. Capital One_Screenshot_2 shows the actual closure notification from XX/XX/XXXX. This message is inappropriate to communicate a credit card account closure. The subject line and bolded portion of the message body makes this sound like a rewards email, similar to the other dozen rewards/special offer emails I receive from credit card companies every week. For a serious email about account closure, I need a message that screams, " YOUR ACCOUNT IS CLOSING! '' Furthermore, it's neglectful and/or deceptive that this was the only warning I received before receiving the account closure message on XX/XX/XXXX. As shown in Capital One_Screenshot_3, I received a number of emails from Capital One between the warning and the closure, including messages about AutoPay and statement availability. None of these subsequent messages gave any indication that I was at risk of account closure.
I understand that I'm not a valuable consumer to Capital One because I pay my bills on time ( i.e., without interest ) and accumulate rewards that Capital One doesn't want me to redeem. Regardless, I feel that Capital One has a responsibility to provide adequate notification prior to closing my account. One poorly written 90-day notification is, at best, lazy, and at worst, intentionally deceptive. Adequate notification would include, at a minimum, 90-, 60-, 30-, and 7-day warnings ahead of account closure. If Capital One is going to ignore this feedback and stick to its policy of only providing a 90-day notification, that notification should be one that adequately communicates the severity of the situation and is IMPOSSIBLE to miss.
To add insult to injury : Coincidentally, on XX/XX/XXXX or XXXX, a couple days before my account was closed, I started looking into booking a flight with my Capital One rewards points. This would be my first flight in over two years ( i.e., in line with the last usage of my card ). When I logged into my Capital One online account to book my travel, I had no idea that my account was scheduled to close. Even though I began this search in my Capital One portal after the date of my scheduled closure ( XX/XX/XXXX ), I received no pop-up/notification warning me about the closure ( a pop-up or banner notification within the portal seems like another minimal-effort strategy that Capital One should be using to warn consumers about account closures ). At that time, the Capital One rewards portal told me that flights to XXXX were overpriced, so I signed up to receive email alerts from Capital One about the best time to book my travel using my Capital One rewards points. Had I known that I was about to lose my rewards, I would have booked my flight regardless of the current price. A couple days later, I was informed that my account was closed and that my points were lost. Since then, I've received 20 email alerts about price changes for the flight that I'm tracking, including 7 that tell me to " book now '' because prices are low. I suppose the travel department in Capital One didn't get the memo that I've been canceled and that my rewards points have been involuntarily forfeited... I love how communicative Capital One has been about this opportunity to use my [ expired ] points, and I only wish they'd been as communicative about my account closure.
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01/03/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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A series of debit card errors from Capital One including canceling my debit card by mistake and reissuing two defective replacement debit cards resulted in me being without access to any cash for 93 days while traveling alone internationally. Despite more than 12 hours on the phone with Capital One, I was never issued a card that worked. The lack of access to cash was not only very stressful and impacted travel plans, but it also resulted in fees to access money through other means. I am asking Capital One for {$1300.00}, which includes reimbursement for fees related to accessing funds through cash advances because I could not use my debit card ( {$140.00} ), compensation for the time taken to try to resolve the banks mistakes ( $ XXXX hours = {$300.00} ), and compensation for additional expenses and inconviences related to having no access to money, such as purchasing more expensive food and transportation options because more reasonably priced services only accepted cash ( {$930.00}, which corresponds to {$10.00} for each of 93 day I was without access to my debit card ). Attached are two credit card statements showing the fees I incurred due to these mistakes, and below are details about this issue and my efforts to resolve it.
XX/XX/XXXX : I received a letter in the mail indicating that a new Capital One debit card would be sent soon. I contacted Capital One and asked the representative to not mail a new card until XXXX, as I would be traveling outside of the US. The representative said she would do so, and that my old card would continue to work until it expired in XX/XX/2022.
XX/XX/XXXX XX/XX/XXXX : Upon arriving in XXXX, I tried using my debit card, which did not work. I spoke to a customer service representative, who said that the person I spoke with on XX/XX/XXXX mistakenly cancelled my card. I was informed the card could not be reinstated. A new card could not be sent to me in XXXX, because the carrier used by Capital One would take more than 2 weeks to reach me, but Capital One agreed to send a replacement debit card to a hotel in XXXX, where I would be staying for a few days before leaving for XXXX. I spoke to customer service representatives on four calls over the course of a few days, totaling 3.6 hours. Because I was traveling to a few small towns in XXXX that did not accept credit cards and I did not have access to cash, I went without food in the evening twice and wasnt able to purchase lunch five times.
XX/XX/XXXX XXXX : On XX/XX/XXXX I received the replacement debit card provided by Capital One in XXXX. The card did not work. I made many calls to customer service to try to resolve the issue. A supervisor said that a representative made an error reinstating the card ( specifically, because the card ended in XXXX, which are also the last 4 digits of my checking account ). The representative said the card could not be used, and they would need to mail me another replacement card. Because I was still traveling, this new card was sent to my new location, XXXX. I spent a total of 3.5 hours on the phone with capital one.
XX/XX/XXXX XX/XX/XXXX : I was traveling internationally without access to cash. Because most basic restaurants and stores would not accept credit cards, I purchased much more expensive food from higher-end restaurant, as this was the only establishments that would accept credit cards. I also had a great amount of difficulty securing transportation without cash, and I spent many hours finding alternative ways to pay for services ( such as setting up an account with XXXX ).
XX/XX/XXXX XX/XX/XXXX : On XX/XX/XXXX I received the second replacement card while in XXXX. Upon trying to use this card, I discovered that it also did not work. I made a number of calls to customer service, including speaking with at least one supervisor. I was informed that this new replacement card also had an error ( the card number was not updated from the previous card, indicating the error from the previous card was not fixed ). I made a total of 6 calls to Capital One and spent another 3.1 hours on the phone. While Capital One offered to send a replacement card, because I would soon be traveling to a new location without mail service, I could not receive a third replacement card. Because I could not receive a replacement card, I contacted one of my credit card companies to undertake the process of securing a PIN number to access cash advances. This process was time consuming and complicated, as I could only receive a PIN via mail. Because most restaurants and stores would not accept credit cards, I purchased food at much more expensive establishments that I wished to.
XX/XX/XXXX : I contacted Capital One and spoke with a supervisor regarding filing a complaint with Capital One to receive reimbursement for these errors. The supervisor collected information from me to file a claim. However, I never received a reply from Capital One.
XX/XX/XXXX XX/XX/XXXX : Upon receiving a PIN from my credit card, and still having no access to cash through my Capital One debit card, I withdrew money from ATMs via cash advances from my credit card, incurring a total of {$140.00} in fees ( see attached credit card statements ).
XX/XX/XXXX : I returned to the US, where I could again freely use a credit card, and the lack of access to my Capital One debit card was no longer an issue.
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02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans. debt collecting. providing real estate settlement services. career counseling ( of individuals seeking employment in the financial services industry ). The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ).
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Capital One the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option Capital One Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Capital Auto One Finance continues to illegally furnish inaccurate and incorrect information to the consumer reporting agencies. The reporting of incorrect and inaccurate information has caused damage to my character, my status, and general mode of living. Obstructing the ability to obtain credit for personal and household commitments.
The reporting has caused damage to my livelihood.
According to, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Capital Auto One Finance was questioned of the billing error for additional fees with no explanation prior to XX/XX/2023. For Capital Auto One Finance to report inaccurate and prohibited information to the credit reporting agencies without notifying me.
Therefore, remove the late payment dated XX/XX/2023 to XXXX, XXXX, and XXXX.
Under the The Fair Credit Billing Act ( XXXX ) an amendment to the Truth in Lending Act ( TILA ) and protects consumers from unfair billing practices. Capital Auto One Finance is failing to notify me the appropriate disclosures and statements prior to 21 days.
15 U.S. Code 1637 Open End Consumer Credit Plans 15 U.S. Code 1637 ( a ) : ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
Lastly, according to 15 U.S.C. 1681a ( d ) Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report.
Capital Auto One Finance has been furnishing transactional experiences between the consumer and Capital Auto One Finance to CRA " Credit Reporting Agencies '' The FCRA too explains 603 - 15 U.S.C. 1681a ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.
( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. '' Lastly, the timing of payments continues to be within a 15 day time frame from the due date. It is not sent out 21 days before the due date.
15 U.S. Code 1666b-Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Capital Auto One Finance is failing to notify me the appropriate disclosures. The documents that were sent over are reflects a balance of {$710.00} dated 07/05/2023 which is not 21 days before the due date. Then another statement and it reflects a total of {$690.00} past due, plus additional fees {$370.00} and including the current payment of {$340.00}. Where, I have continued to question where is the itemization of the account to know how billing is occurring. Capital Auto One Finance has failed with delivering the timing of billing statements. Until, corrected or credited under Federal Law the consumers right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ).
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04/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
It saddens me to find out that my credit card company Capital ONE IS NOW APART OF THIS CRIME. Capital One is wrong totally for closing MY DISPUTE CASE AND ALLOWING THIS CLOTHING COMPANY called XXXX from XXXX TO KEEP MY {$200.00}. Not to mention Capital One credit card company is committing a crime by also allowing this clothing company to keep my funds on my credit card that needs to seriously be refunded back on to my credit card ... thus, capital one is refusing Not to protect me as a credit card holder thus refusing to place my credit funds in the sum of {$200.00} in credit funds that should be placed back on my credit card yet instead is allowing this XXXX clothing company to keep their XXXX merchandise I have returned by proof of USPS tracking that has verified to be re-delivered back to this XXXX company. XXXX company owes me for FULL REFUND back on my capital one credit card and capital one refuse to get monies in the sum {$200.00} put back, when in fact capital one was sent all proof needed to reinstate my {$200.00} credit funds back on my card. there is no second opinion in the world that should stop a refund if the product is not what you order by credit card.
Capital One is now charging my credit card acct. and making me the VICTIM pay when I now have none of this XXXX company 's merchandise! I am demanding my refund from the XXXX company for not sending me the correct sizes I need? This is why I am coming to the FBI. XXXX and Capital One credit card company has indeed taken place in an internet CRIME! You just do not rip off consumers like this! UNBELIEVABLE!!
How is this legal? Please put a stop to this crime both Capital One and this XXXX company from overseeing XXXX using MASSIVE addresses, utilizing different company names to trigger US consumers so they think they are dealing with totally different companies and the consumer is not. It came to find out after I started my own investigation that this one XXXX company is scamming consumers with massive different company names they have listed in the USA country XXXX XXXX and is also using massive addresses in the US state of California.
I Have all the addresses and fake company names these people in XXXX are utilizing to get USA consumer monies. Each company that they are utilizing they are selling all the SAME fraudulent clothing letting us women consumers think that an extra-large clothing item which is really a size between XXXX is really a size XXXX and a extra-large XXXX to XXXX IS NOT really the size XXXX! The items that this fake company called XXXX is sending you for your money are really small sizes. Nobody that wears a size XXXX extra-large can even fit, let alone get the item over their head to even get into for fitting purposes! horrible just horrible scams. XXXX then refuses to return your money back on your credit card for full refund. I also have emails that transpired between myself and the fraudulent clothing companies that are using all of these fake company names to sell their merchandise to USA consumers then tries to utilize aliases American addresses to rip off USA Americans. I have also sent this complaint over to the USA Dept. of Justice XXXX XXXX 's office to look into this crime as well. I have also reported this theft, fraud and seems like extortion to your agency, the FBI.
I am devastated that my credit card company is taking part. I can not believe Capital One is going to make me still pay the {$200.00} as a standard charge on my acct. If I refuse to pay, they ruin me and my credit. Awe XXXX NO! this is not right it's a crime and your agency need to get involved to stop this company from XXXX committing all these false acts. none of these items XXXX are selling over the internet is true to size, then you have up to 5 to 10 different people sending you fake emails hoping you just walk away and allow these criminals to keep your money plus their merchandise after you pay postage to honestly return all of this products ... when the XXXX company has their items that were defective returned right back to their whatever whichever addresses they tell you to return their items back too? now Capital One is going to continue to make the charge valid? and not place the {$200.00} BACK ON MY CREDIT CARD ACCT. AS A REFUND? HOW UNETHICAL IS THIS FOR A CREDIT CARD COMPANY TO ACT? then will retaliate to close my credit card for reporting this unethicalness over to your agency. WOW! PLEASE STOP THIS UNETHICAL BEHAVIOR.
All attachments I have is certainly all the proof that this XXXX company has its items returned to one of the addresses, and that its merchandise items were personally returned by me thus PROOF of the USPS tracking numbers that all items were delivered back to XXXX. CapitalOne closed my dispute then conspired with the XXXX XXXX base company to commit a crime by allowing this company to keep my charge /monies and their Merchandise items that all were the wrong size and label extra-large sizes they were NOT! all XXXX merchandise defectively sold to me stating they were XL items when in fact they were not extra-large items.
I have also submitted this issue to the Federal Trade Act Washington DC because I know your agency will do absoutley NOTHING TO RESLOVE MY CREDIT CARD RIP OFF! I am submitting the complaint to you becuse it is standard proceedure I am told. UGH!
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12/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
I applied for and received a XXXXXXXX XXXX XXXX from Capital One bank- it came with a {$10000.00} limit and offered cash back rewards. After using the card once ( perhaps twice ) for some very small routine purchases, it was frozen. When I called to inquire why, I was told that there were concerns about fraud on my account and I needed to provide copies of my signed social security card, drivers license, and a non-Capital One bank account to verify my identify. It took me some time to get the documents together to comply with this very specific request. I submitted the documents on XX/XX/2021. Then I waited, and waited, and waited. My card remained frozen.
On XX/XX/2021 I called the bank to find out why my card was still frozen. After providing several excuses, on that call, I was finally told that the documents in the images I had sent were not fully in frame and I needed to re-send the documents. I immediately did so.
On XX/XX/2021 I received an email notification containing a link to a document which I needed to access by logging into my Capital One account. To my shock, dismay, and great surprise it was a letter informing me that my account was being closed because they had been unable to verify requested information. I immediately called to explain that I had re-sent the documents only 12 days earlier.
However, this time the problem was apparently that someone had tried to call me to verify my identity and had not been able to reach me. Therefore, they had apparently concluded, they were unable to verify my identify ( despite having spoken with me a few days earlier ) and needed to close the card. The letter is titled less than 24 months close letter.
Only upon logging into the account from the email notification of that letter did I see for the very first time two letters, this time titled less than 24 months warning letter and dated XX/XX/2021, and XX/XX/2021, purporting to inform me that they were still not in receipt of information needed to verify my identify and the account would be closed in 45 days. It is worth noting that I received no email notification of the XXXX letters. Nor was I told that this was an issue or informed of these letters when I called on XX/XX/2021. And the letters are not at all visible or accessible simply by logging into the account In my very long and frustrating exchange with the bank personnel with whom I spoke on XX/XX/2021, I was told that two phone calls had been made to my phone numbers so that they could verify my address. Its unclear to me how or why a phone call was necessary to verify my address after I had already submitted my drivers license, social security card, and bank statement from another institution all using the same mailing address. I was told that because they were unable to get me they decided to close the account. When I checked I found XXXX voice message left that simply said we need you to call about some documents and the other had shown up as spam.
Up until this point, I had been a very satisfied Capital One customer for many years ( I cant even remember how long ). I have six ( 6 ) active bank/credit card accounts with Capital One and my name is on a seventh ( jointly with my ex-husband ). All accounts have exactly the same contact information. I find it unfathomable that there was any genuine concern about my identity. In any event, wouldnt the time for those concerns to have manifested before the card was issued? I made one or two transactions with the card before they closed it, both near to or in connection with my mailing address. The documents they requested all confirmed my identify.
Even if these concerns were genuine, the attempts made to contact me were half-hearted, at best and full of half-truths of miscommunications when I did reach out myself to find out what was causing the delay. Why was I not told on XX/XX/2021 of the XXXX XXXX letters? As those letters were requesting that I contact them, why wasnt my phone call to them on XX/XX/XXXX adequate? Why was the only email notification that I received of the letter telling me the account had been closed? Capital One is almost overzealous in communicating about every transaction, something I have appreciated in these days of heightened security concerns. Yet surprisingly, very little effort was made to communicate with me about their own purported identify concerns about one of their long-standing clients.
It was also very frustrating that no one could explain to me what these " identity '' concerns were.
Finally, in closing the account the bank has damaged my credit history, which was lowered by XXXX points after the closure. On top of the mistreatment, this just feels mean spirited and undeserving. Had I misused the card after receiving it, or totally ignored the requests for information, perhaps that might have been an appropriate action to take. Instead, I was cynically put through a cycle of disrespectful treatment that has left me feeling battered and with a very bitter taste in the mouth.
I would like to have the card reinstated and the negative impact on my credit history reversed. The Bureau should also launch an investigation to find out whether a pattern has/is emerging of denying credit to XXXX XXXX XXXXXXXX or to women, of retracting services offered to customers that they no longer wish to offer, or both.
|
12/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
XXXX XXXXXXXX XXXX XXXX XXXX CRIMINAL ENFORCEMENT This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found out your company used and authorize others to use my social security number for the purpose to obtain credit without my authorization. CAPITAL ONE BANK failed to provide me with a copy of any express written authorization of OPT OUT NOTICE pursuant to15 USC 6802, whereby CAPITAL ONE BANK was authorized to disclose/divulge/share my social security number a/k/a credit card with any third party in any manner, as well as by means of communication, any information, documentation, data, property and the like in reference to me. CAPITAL ONE BANK failure in providing authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitutes CAPITAL ONE BANKare in violation of including not limited to GRAM LEACH BILILY ACT. CAPITAL ONE BANK possess neither express written authorization OPT OUT NOTICE pursuant to 15 USC 6802, nor consent from me for using/ revealing /disclosing/divulging/sharing with any third party my social security number ( customer information of a financial institution ). Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. I attached a IDENTITY THEFT AFFIDAVIT, FTC COMPLAINT, POLICE REPORT, DRIVER LICENSE AND SOCIAL SECURITY Please send me copies of the documents that you have in your files as of this date that you used to authorize your company to use and/or transfer my social security number to third parties. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used for authorization. If you do not have any documentation in your files that authorizes you to use or transfer my social security number then please delete the account immediately for fraudulent activity as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the unauthorized use of my social security number on my credit report and distributing my social security number 3rd parties you are invading my privacy, damaging my reputation and credit worthiness. CAPITAL ONE BANK knowingly and intentionally violated or knowingly and intentionally attempts to violate 15 USC 6821- PRIVACY PROTECTION for customers information by false pretenses. CAPITAL ONE BANK disclosed to " Internal Revenue Service '' and " Credit Reporting Agency '' my social security number ( customer information of financial institution ) by making a fictitious statement by not providing the OPT OUT NOTICE to me and [ XXXX XXXX is criminally liable for a fine not more than {$5000.00} or imprisonment not than five year or both pursuant to 15 USC 6823. TRUTH IN LENDING CRIMINAL ENFORCEMENT I entered a consumer credit transaction on or about XX/XX/2013. The deceptive consumer credit contract from CAPITAL ONE BANK in regards to this unverified alleged debt contains fraudulent statements like " borrower '' " lender '' and " loan. The above referenced alleged debt has been derived from fraud. Meaningful disclosure was not given at the time the consumer credit contract was signed which prevented me from making an informed use of credit pursuant to 15 USC 1601 ( a ). CAPITAL ONE BANK failed to provide meaningful disclosure on the false, deceptive and misleading consumer credit contract because CAPITAL ONE BANK did not disclose to me that I was the creditor as defined under 15 USC 1602 ( g ) ( 2 ). I was the card issuer meaning : I issued my social security number a/k/a credit card as defined under 15 USC 1602 ( l ) to CAPITAL ONE BANK ] ( card holder ). CAPITAL ONE BANK ] ( card holder ) accepted credit card ( social security number ) which CAPITAL ONE BANK ( card holder ) has used or authorized others to use for the purpose of obtaining credit. CAPITAL ONE BANK such as by commission, omission and otherwise : ( a ) Failed to disclose meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit pursuant to 15 USC 1601 ( a ), CAPITAL ONE BANK willfully and knowingly violated the Truth in Lending Act provision 15 USC 1601 ( a ), 1638 ( a ) ( 1 ), 1638 ( a ) ( 2 ), 1638 ( a ) ( 3 ), 1638 ( a ) ( 4 ), 1638 ( a ) ( 5 ), and 1638 ( a ) ( 6 ) and [ XXXX XXXX ] is criminally liable for a fine not more than {$5000.00} or imprisonment not more than one year or both pursuant to 15 USC 1611 ( 1 ) & ( 3 ), ATTACHMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
|
03/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
Mitsubishi XXXX XXXX located at XXXX XXXX XXXX XXXX at the XXXX XXXX never gave me my bill of sale at the time of purchase. All I remember is the XXXX who was the finance guy scrolling through a bunch of paperwork on the tablet and I signed my name. I dont remember signing the bill of sale nor looking at it. I believe my signature was copied and pasted. As you can see in the documents my signature looks exactly the same! The only document I signed was the paper sales tax transaction return paper that I was told was the bill is sale! XXXX XXXX who is the Volume Car sales XXXX scrolled through the documents and just told me to sign my name and that my APR will be 9.45 % The attached paper work is what I received as the final price on my car not the paper that states XXXX. And if everything was being recorded at the XXXX department as XXXX said, none of this shouldve ever happened to me. If paper work as well as email communication is what you need in order for me to prove my case I will give it to you. I am just one person so if I am not being heard here I will take matters further to the FTC. I am just climbing the ladder.
As you can see I have attached the final price of the car XXXX showed me. The total price of my car was suppose to be {$21000.00} with my {$1000.00} down payment. I was very furious when I found out this document was not my Bill of Sale. I found out this was not my bill of sale once the Capital One Account was opened in my name. {$25000.00} was what I saw as the todays payoff and the principal balance as {$24000.00}. I have a attached a picture of the car listed price and the auto loan that was opened in my name. I immediately went up to the car dealership and spoke with XXXX and XXXX about this.
I was BEYOND confused! I started to get an attorney but then I went to the dealership and I was able to cancel the warranty and gap insurance. If you can see the emails I have attached back and forth from XXXX on this madness. Ive also attached the paperwork of the warranty and gap insurance being canceled. This is what I call HIDDEN FEES.
I dealt with this during XXXX and Im still dealing with this now. This is insane! The dealership does not answer their phone calls either I had to drive up there a countless number of times so thats gas money which isnt cheap by the way. This is not just a matter of improper credit usage in my name but I was scammed at this dealership. I dont believe I signed all the paper work that was shown to me either. Everything was done on a tablet. My signature had to be forged.. copied and pasted! If you look at those lines completely my signature looks THE EXACT SAME!
If you just take a second to look at the paperwork of the bill of sale the dealership gave you, you will see in actuality the car I saw the price listing on was in fact {$18000.00} not XXXX Im not even sure where my {$1000.00} down payment went towards? I will attach a picture of the listing of the Mitsubishi XXXX suv listing price.
I paid the auto loan in a lump sum because of how much interest was building up. I understand my name is on the paper work. But whos to say the dealership didnt copy and paste my name!
We can settle this if I am awarded the amount that was loss from the dealership, time and suffering or we can settle all this in court. I was not given my bill of sale in the first place I was given the other sheet. I will take matters further with Mitsubishi. The cost of the car in total I was told at this dealership was {$21000.00} and its also stated on the paper work I have attached! If this was not my bill of sale why was this given to me??? I want an answer.
Not only I have been going through stress, pain and suffering but I have loss so much time and sleep over this! If the attached document isnt the bill of sale XXXX dont understand WHY it was given to me. And why XXXX told me this was the full cost of my car! A video of me and the finance guy was recorded in the finance room. They have a camera hovered over his shoulder I guess because this dealership has scammed other hard working people. And you will see that the paper work given to me was the price I agreed on to buy the car which was {$21000.00} Theres no way I wouldve paid {$24000.00} for this car. There were a ton of hidden fees that I was not aware of. Documentation fee, Public Officials, Sales tax, Extended warranty, XXXX XXXX and XXXX insurance. I was not aware of it because it wasnt listed on the paper I was given attached to this email. I even had to email the finance guy to give me a copy of the bill of sale and warranty. Please see the attached emails of me and XXXX back and forth.
When I tried to return the car a week later after learning about all the hidden fees and after the total price of my car on my Capital One Auto loan which was XXXX thats the price of a whole new car! I was refused and declined when I tried to return the car. I explained to them this was not what I agreed to! They didnt care. XXXX, the sales XXXX told me I would have to pay {$2200.00} plus this would go on my record as a repossession. I believe I was scammed and lied to.
I didnt want to damage my credit as I am in the XXXX which is great standing.
I also needed a car to get back and forth to work. And I didnt see the reason to pay {$2200.00} for a car a dealership put hidden fees on.
|
01/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
On XX/XX/XXXX, I received an email from Capital One informing me that two suspicious transactions had been charged to my account. These transactions in the amount of {$270.00} and {$550.00} had been made earlier that day at XXXX XXXX, a sporting goods store located in XXXX, New Jersey. As I did not make these purchases, I immediately confirmed via the prompts contained in the email that the purchases were fraudulent. I then contacted Capital Ones Customer Service Department using the 800 number on the back of my credit card. I spoke with a Customer Service Representative named XXXX for over thirty minutes. During that conversation, I reiterated that I had not made the purchases in question nor had I authorized anyone else to make the purchases on my behalf. In addition, I confirmed that I had not lost my credit card nor had I at any time misplaced it and that it was currently in my possession. After confirming my identity and location by calling me back on my landline/home telephone number at my apartment in New York, XXXX then ( 1 ) removed the transactions from my account, ( 2 ) canceled my account and issued a new account number and ( 3 ) canceled and reissued my Capital One credit card. At the conclusion of the call, I was assured that I would not be held responsible for the fraudulent transactions and that the matter was resolved.
Three weeks later, on XX/XX/XXXX, I received a telephone call from XXXX in the Capital One Fraud Department informing me that she had reviewed the disputed transactions and determined that I was, in fact, responsible. Further, she stated that the {$270.00} and {$550.00} charges would be immediately posted to my account as adjustments. The reason given was that she had determined that the credit card was present when the transactions were made. This is ridiculous. XXXX investigation completely disregarded all of the facts, which were previously stated in my conversation with XXXX : 1. To my knowledge, there was only one credit card issued for this account.
2. That credit card was in my possession in XXXX XXXX XXXX at the time the fraudulent activity occurred.
3. I am the only authorized user on the account.
4. I have never shopped at XXXX XXXX.
5. I have been on this earth for XXXX years and I have never set foot in XXXX, New Jersey.
I do not know how someone was able to breach the security on this credit card. I only know that they did. I also dont know how XXXX and Capital One can honestly claim that they conducted an investigation when none of these facts were considered.
It is also worth noting that after I spoke with XXXX and my account was closed, I received an additional email from Capital One on the evening of XX/XX/XXXX. This email requested verification of a transaction in the amount of {$770.00} that was made at a XXXX XXXX also located in XXXX, New Jersey, shortly after the fraudulent charges at XXXX XXXX took place. This transaction was apparently immediately deemed fraudulent by Capital One and it was never posted to my account. Clearly, Capital One was aware that somehow a duplicate of my credit card was used on a shopping spree in XXXX, New Jersey on XX/XX/XXXX. I do not understand how the investigation determined that the XXXX transaction was fraudulent but the two XXXX XXXX transactions were valid -- given that they both occurred during the same time period and in the same location!
I would also like to note that the two fraudulent XXXX XXXX transactions were completely inconsistent with my account transaction history over the last ten years. A cursory review of that history would easily reveal that ( 1 ) I have never purchased anything from XXXX XXXX, ( 2 ) I have never made hundreds of dollars worth of purchases at any sporting goods store and ( 3 ) I have never purchased anything from any store in XXXX, New Jersey. Any large transactions on this account were related to medical expenses or dental expenses. Most of my purchases on this account have been made at online retailers such as XXXX, XXXX and XXXX. When I shop at brick and mortar stores, I do so in my XXXX XXXX XXXX neighborhood.
MORE IMPORTANTLY I AM A RETIRED SENIOR CITIZEN ON A FIXED INCOME. THERE IS NO REASON WHY I WOULD SUDDENLY SPEND {$820.00} AT A SPORTING GOODS STORE!
Capital One 's investigation has basically concluded that I effected these transactions in XXXX, New Jersey and then moments later reported them to their customer service representative from my ( verified ) home telephone in my apartment in XXXX XXXX XXXX, which is absurd. This incident was caused by either identity theft ( although no other fraudulent transactions have appeared on any of my other accounts ) or a breach of Capital Ones systems. I resent the fact that Capital One is abdicating any and all responsibility for allowing fraudulent activity to occur on my account and then blaming me for it.
I did everything that I was supposed to do as a customer by reporting the fraudulent activity in a timely manner. Capital One is punishing me for acting responsibly. This is no way to treat a senior citizen. This is no way to treat a loyal customer. Any reasonable person reviewing the facts would deem Capital Ones practices here unfair and abusive. I have been patient and respectful but this matter needs to be competently reviewed and resolved immediately.
|
02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
The purpose of this letter is to address an issue that occurred with my Capital One card. I have been a customer of Capital One for over 18 years and have always paid my bills on time and have never had any late payments and or negative history with my account. I have been an extremely responsible card holder/customer with Capital One as well as the other accounts that I have. The issue that I experienced is that I received a letter today ( XX/XX/19 ) via US Postal Service stating that my account was about to be 2 months past due. The moment that I read the letter, I was startled because I know that I set up my account on automatic payments. The automatic payments that I set up for my Capital One card was a fixed payment that was over the minimum payment due because I have always paid over the minimum amount due.
I contacted Capital One customer service and was informed that my account was in a delinquent status because I had not paid the amount that was due and I was also incurring late fees. The issue that I have with this is that my account continued to deduct {$60.00} to my checking account, so I am still confused as to how I can be delinquent and past due if I have been making payments on this account since I had a balance. I am very frustrated, bothered, annoyed, and at the same time saddened that this issue has occurred. Capital One sent me a letter to provide notification of my account status several months after the minimum payment changed, and after the credit bureaus were contacted regarding my account. My first and utmost concern is that fact that I have Excellent Credit with scores in the 800s. However, I checked my credit score that is provided by Capital One and realized that my score went down approximately 106 points. This situation is completely unjust because I feel that Capital One has a reputation that they provide unmatched customer service and provide customers with information regarding their credit scores to assist customers in their financial responsibilities. The situation that has occurred to me could have definitely been prevented if Capital One would have sent prior notifications via US Postal Service providing notification of my account status as well as the possibility of being reported to the Credit Bureaus.
Being a Capital One account holder for over 18 years, I have been responsible and my account has always been current and paid on time. The situation that occurred was due to a lack of due diligence on the part of Capital One and I strongly feel that Capital One should have made every reasonable effort to have reached out to me to provide critical information regarding my account as well as the situation that was occuring regarding my account being reported negatively to the Credit Bureaus. I would greatly appreciate if this situation can be resolved by a thorough investigation being made into my account to determine that there was truly a lack of support as well as a failure to provide me with the necessary notification to prevent this issue from occurring. As previously stated, my main concern is that my credit score has been affected due to the negative reporting that ha been made to the Credit Bureaus. I would greatly appreciate if the negative reporting is redacted due to the fact that payments were being made to my account as of this billing cycle. Thus, it is truly inaccurate to state that my account is past due or that I have not made payments to my account. Throughout my 20 years of having credit cards, loans, etc, I have been an extremely responsible customer as evidenced by my credit score always being Excellent and over 780 credit score. The reason that I am mentioning this is because at this point, my main concern is for a correction to be made to my credit reporting regarding my account because it is nonfactual to state that my account was not being paid when payments have been made on a monthly basis. In addition, every credit card company has an option online that if the fixed amount is less than the minimum payment that the amount would be adjusted to reflect at least the minimum payment. Although the minimum payment appeared to have increased as of XXXX, I was not provided with this information throughout the 3 month period in which this was occurring.
My hope is that my issue can be resolved because I strongly feel that Capital One should have provided every reasonable effort to reach me, such as sending physical mail to my mailing address. The only physical mail that I received from Capital One was today to address the past due account status which resulted in me contacting Capital One immediately and speaking to Capital One representatives for over 3 hours to provide clarification regarding this issue. I humbly request for my situation to be viewed in a manner that is just, understanding, as well as consideration being made as to my account history and the fact that I was not provided with many means of notification ( such as phone calls, physical documents being mailed ) prior to the actions that were taken on my account.
Capital one was contacted and they responded that a " dispute '' would be placed on my credit reporting, however this manner that Capital One attempted to resolve the issue has not remedied the issue as well as the inaccurate reporting to the Credit Bureaus.
|
06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
This is my ongoing XXXX chat with Capitol One, beginning XX/XX/XXXX. As I explain in my posts to them, I had already spoken to people on the phone, with no action. I have had credit reduced and a credit card canceled bc they failed to correct their mistake. Their mistake tanked my score down to XXXX. Not okay. The fact that they refuse to take immediate -- or even delayed -- action is inexcusable. Please help! Thank you.
XX/XX/2020, XXXX XXXX Furious with # CapitalOne. They misreported a credit card payment as 30 and then 60 days late in XXXX and XXXX. I have had a {$0.00} balance for over a year. My credit score TANKED. So, I called in early XXXX and they said, yes, there was an error and it would be reported correctly on XX/XX/XXXX. XX/XX/XXXX comes and goes, no change. I had started a dispute the same day. I just got a notice from XXXX about my dispute. NO CHANGE. Called Capital One, and after waiting forever, the rep was like, oh, it's resolved in your favor and you should be getting a letter that says so. Oh? Then WHY IS IT STILL SHOWING UP AS TWO LATE PAYMENTS?? " It can take up to two months to show up on your credit report. '' XXXX? I've already had an XXXX card cancelled bc of my credit score .... it had a balance of {$0.00} and they said bc of the lack of use of the card AND my credit score, they were cancelling my card. So, with apparently many creditors feeling anxious about possible overuse of credit during pandemic time, I'm now at risk for losing more credit, which will increase my credit usage percentage and FURTHER TANK MY SCORE, until Capital One gets around to fixing this. I am beyond furious and I am helpless to do anything about it.
Hey XXXX! Thanks for bringing this to our attention ... we can completely understand why you're frustrated. Would you share the full name and zip code attached to the account? XXXX Yes, thanks. XXXX, XXXX XXXX XXXX Thanks! Did you ever receive a case number, or did you get an agent ID from an agent who was helping you with the credit bureau dispute? ^XXXX From XXXX. Hold on.
XXXX I was told on the phone today that I'd be receiving a letter, but I don't have that yet. I was assured by the rep I spoke with in early XXXX that the XX/XX/XXXX reporting would clear this up. But, it seems nothing would have happened if I had not opened a dispute.
Gotcha. Do you know the last four digits of the account you're referring to? ^XXXX XXXX Thanks! And just to further clarify ... the last time you called were you able to speak directly to a supervisor about this? XXXX No, I didn't think I needed to. The woman I spoke with said that I was correct, that my balance had been {$0.00} on that card for about a year, and perhaps it was bc I set up for autopay that the system made the error. She said it would be reported correctly on XX/XX/XXXX.
Today I did not speak w a supervisor either.
With the XXXX dispute number you provided, I can't see the details of that, but have they had any communication with you about this at all? We know it's all frustrating, but it does fall on the credit bureaus to update the information if we were able to fix the incorrect reporting during the dispute process. ^XXXX There are two separate issues here. ( 1 ) My initial phone call during which I was told C1 would provide the correct information on XX/XX/XXXX. ( 2 ) My disputes that I opened with the credit bureaus. Let 's forget about the second thing and discuss the first. That is when I was told that C1 would correct the error that was made through no fault of my own. I was told it would be fixed. I only submitted the dispute as a back up. It is NOT up to the credit bureaus to correct information when they are being provided incorrect information, which is what happened her. It is up to C1 to provide the correct information NOW. It should have been fixed on XX/XX/XXXX. There is not a single acceptable reason for why C1 did not fix its error on XX/XX/XXXX. I should NOT have to wait for two or three cycles for this to " fix itself. '' As I said, my credit score TANKED bc of this. I had an XXXX card closed bc of my " new '' score.
So, that caused my credit utilization percentage to go up with further tanked my score.
I appreciate the additional information. Can you share your best contact number? I'll forward your concerns over to a supervisor, so they can review and follow up with you. ^XXXX Thank you. XXXX.
No problem! A specialist should be in touch within about 5 business days. ^XXXX Thank you.
Mon XXXX XXXX I'm still waiting to hear from someone. I just had ANOTHER credit card decrease my limit because of this error. I'm losing patience.
Hey XXXX! Thanks for following up. I've sent another request for someone to contact you about this ... we appreciate your patience. ^XXXX Thank you. I don't have any patience since the letter I opened today from another credit card lowering my limit due to my credit score.
We understand. I've marked my request as urgent, will follow up if they have trouble contacting you. ^XXXX Wed XXXX XXXX I have still not heard from anyone.
Your case has been escalated and you should be hearing from our leadership team. ^XXXX Thank you.
You are welcome. And thanks for reaching out to Capital One via the social media channels. ^XXXX XXXX XXXX Two weeks and I've heard nothing.
|
03/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
XX/XX/XXXX Capital One Claims Processing Center XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Capital One N.A.
XXXX Capital One XXXX Attn : XXXX XXXX, VA XXXX XXXX to : CAPITAL ONE BANK DENIAL OF REQUEST FOR FRAUDRATUALLY TAKING FUNDS FROM : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CHECKING ACCOUNT XXXX XXXX. Issue of loss of funds due to lost phone/wallet containing banking info.
a. On XX/XX/XXXX, both my XXXX and wallet were stolen. I believe this pickpocket took place on XXXX and XXXX XXXX XXXX in XXXX XXXX, Louisiana while I was walking home having XXXX at XXXX XXXX.
b. I was not aware that my wallet and XXXX were missing until I woke up that morning XX/XX/XXXX.
c. The fraudulent charges that appeared on my account occurred on XX/XX/XXXX from approximately XXXX XXXX, the same time I was pickpocketed.
d. Theses illegal charges were made through a combination of debit card, XXXX and XXXX XXXX. There were a total 18 unauthorized individuals charges totally {$5500.00}.
e. I first contacted Capital One bank about the lost of funds on Sunday morning, XX/XX/XXXX via telephone, reporting the lost as soon as I realized it.
f. I filled a police report first on XX/XX/XXXX, at XXXX XXXX.
g. On XX/XX/XXXX, the first date I was allowed to file a claim because of pending transaction with merchants I was given 2 separate claim numbers : XXXX - {$1500.00} and XXXX - {$3400.00}.
h. On Sunday afternoon, XX/XX/XXXX, I went to XXXX store and had my lost phone disabled and purchased a new phone.
i. The XXXX charges including XXXX transportation were purchased on my neighbors XXXX XXXX XXXX XXXX Credit Card XXXX
j. Using my new phone I saw that personal information, stored in XXXX, including past Capital One statements, social security number, copies of checks and all personal information were still accessible to a theft.
k. On XX/XX/XXXX I was given a Banking Card provisional credit in the amounts of {$3400.00} and XXXX in my checking account.
l. On XX/XX/XXXX I received a letter from the claims department We finished looking into the claim and didnt find an error happened.
m. I am certain an error didnt happen. These funds were stolen from me when phone and wallet was stolen.
2. Current Status : Cap One Denial and rejection of facts.
a. I spoke with Capital One through your call centers. To get my money returned.
b. On XX/XX/XXXX I called and spoke to Customer Protection to reopen my original case {$3400.00} and {$1500.00}.
c. On XX/XX/XXXX, I once again received a letter of denial from Claims Support Center.
d. On XX/XX/XXXX, I sent to the Capital One Claims Department both a fax and an email to XXXX.
e. On XX/XX/XXXX, Card Investigation send me a denial. They also suggested considering continuing my disputed claim with the merchants. I have had no merchants and feel very strongly conversation should always be with Capital One Bank.
3. Circumstances of my missing funds that demonstrates fraud : a. Proof of Immediate replacement of phone b. On Sunday afternoon, XX/XX/XXXX, I went to XXXX store and had my lost phone disabled and purchased a new phone.
c. The T-Mobile charges including XXXX transportation were purchased on my neighbors XXXX XXXX XXXX XXXX Credit Card XXXX
d. Filing a police report.
e. Contacting an attorney to attest for my personal and business character.
f. My consistence and repeated attempts to show capital XXXX that this is not a case of merchant dispute but a case of stolen identity and stolen funds.
4. Language and communication difficulties with Capital One Call Centers a. During the multiple conversation with Capital One call centers, I was consistently speaking to representations who were not native English speakers.
b. I was fully aware that the story and facts surrounding my stolen phone and wallet were not completely understood by the representatives.
c. After my constant efforts to communication with Capital One claims and fraud departments, I was sorely disappointed the be constantly rejected and finally told to take up my case with outside merchant entities.
5. What I expect from Capital One Bank a. I believe that Capital One Bank is responsible for helping me get back my own money that was in a Capital One Small Business account.
b. If Capital One rejects my claim it can not be based on investigation of unknown vendors and merchants and the illegal use of my bank information and personal information.
c. I expect to have a personal phone call conversation with a Capital One authority who can help me recover my Capital One funds that have been missing for 6 months.
d. I do not believe your investigation to my claim was done in the knowledge and spirit of my stolen money.
I have been a satisfied banking small business banking customer for over 7 years. I have always had great expectation of your knowledge and banking skills as applied to my account. I am sorely disappointed that I have not received more accurate and personal communication regarding my claim.
I will be attaching some selected appropriate documentation to this letter. I am also filling out a dispute for Fraudulent Charges to the Consumer Financial Protection Bureau XXXX to submit a complaint financial product of services. I am hopeful you will communicate with me at your earliest convenience.
XXXX XXXX, XXXX XXXX XXXX
|
10/30/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
Capital 1 XX/XX/XXXX XXXX XXXX I Went to my XXXX XXXX XXXX broker.
He called XXXX to reach out to find out why checks were sent to XXXX XXXX and how the addresses got changed. To this day they have not responded to him or me.
I have a bill from XXXX datedXX/XX/XXXX that is addressed to me and XXXX for the Homeowners # XXXX and Umbrella # XXXX policies with the following address : XXXX. XXXX XXXX, XXXX, NY XXXX.
I have a bill from XXXX dated XXXX/XXXX/XXXX that is XXXX car insurance # XXXX addressed to him at : XXXX. XXXX XXXX, XXXX, NY XXXX.
I have copy of a check fromXX/XX/XXXX from XXXX # XXXX addressed to the both of us at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX.
I have a copy of a letter for cancellation of coverage of policy # XXXX dated XX/XX/XXXXwith the address : XXXX. XXXX XXXX, XXXX, NY XXXX.
I have a copy of a check from XXXX # XXXX datedXX/XX/XXXX addressed to the both of us at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX.
When I spoke to XXXX about these discrepancies they stated to me they implemented a new computer system the beginning of the year. I found that to be a strange answer to this constant changing of addresses. How do the bills and policies come directly to me but any checks go to an address not even listed prior on anything. I have been paying all the premiums with credit cards that have only my name and address. Yet when I wanted to move my 2 vehicles to another insurance agency I was told they had to call XXXX for his permission to do that. Even though my 2 vehicles are titled and registered to only me. Yet XXXX calls and changes addresses and I receive no call to alert me or ask my permission to change addresses on any XXXX policies or checks.
XXXX I went to the XXXX post office which address is : XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I met with the postmaster and showed him the checks that have the post offices address and my name on it. The post master placed an order to have any mail with my name on it sent back to its original origin. He also checked XXXX mail that was in post office box XXXX to see if there were any envelopes addressed to me. It was interesting to see that his mail was being held as of this date. Which means he was out to town. Interesting can not answer for missing money but has the money and time to go away on vacation.
As of this date I went on-line as per the post master to make a complainant for mail fraud. I have a printed copy of submitting my complaint to the postal inspectors.
I also made a complaint with the NY State Attorney Generals office on- line in regards to my incident with Capital 1 and XXXX .
XXXX XXXX Phone call from XXXX XXXX employee number XXXX. Called to tell me there was nothing more they can do Case was closed would not transfer me to Executive Offices gave me the address to : Executive Offices XXXX Capital 1 XXXX XXXX, Va XXXX He would not transfer me to Fraud or Legal Department either.
XXXX XXXX I called the XXXX number XXXX I was on the phone for XXXX hour and XXXX minutes XXXX I was transferred to XXXX in Executive Office in Capital 1 XXXX XXXX I was transferred to XXXX XXXX I was transferred to Is XXXX to XXXX I was transferred to XXXX He told me that again basically nothing can be done. They can not tell m about someone elses account. Eventually when they check the online app it might get fixed. This was not acceptable. Capital 1 cashed both checks deposits it one fromXX/XX/XXXX and XX/XX/XXXX. How long does this take?
XXXX created a ticket number # XXXX. This ticket is suppose to notify someone in the executive offices or Security intake Center to contact me within a business day.
XX/XX/XXXX XXXX I called XXXX the fraud department for Capital 1 Bank. I spoke with XXXX in regards to ticket # XXXX. He put me on hold and then contacted the Fraud Team.
XXXX I was transferred to XXXX in Fraud. She looked up the ticket number and stated that they did not have this complaint. She was finally able to pull up images of the XXXX XXXX checks in question. I had asked her why no one has contacted me since XX/XX/XXXX. She had no answer. She now referred this check incident to a fraud team investigation team. I did explain to her I did make a police report with XXXX XXXX Police, NY and gave her the complaint number for that. I did also tell her my attorney XXXX XXXX did send a letter to XXXX XXXX lawyer XXXX on XX/XX/XXXX in regards to this matter. To this date no response has been received. She assured me that I would receive a call back, verified my contact number as XXXX by XX/XX/XXXX. If I receive no contact to call back at XXXX this is the direct number for the fraudunit. This telephone call ended at XXXX.
XX/XX/XXXX Received a call from XXXX at XXXX. Callers name was XXXX. He called to tell me that Capital 1 will not be doing anything with regard to these checks.
XXXX XXXX I called XXXX the Executive Customer service number. I keep getting switched back to regular customer service. This time by XXXX at XXXX, I get transferred to XXXX XXXX XXXX to be told there is no number for corporate Executive Customer Service Team, but I can write a letter to them.
XXXX I now call the Federal Reserve at XXXX. XXXX from this agency recommends I call The Consumer Financial Protection Bureau at XXXX. XXXX showed me where to file this complaint.
|
08/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
COMPLAINT ID XXXX XXXX XXXX Hello, Now that Im dealing with FDIC insured banks. I clearly describe what capital one did to me and how they broke several rules. As Im reading policies and gathering information it is clear that capital one is in the wrong here no matter what the excuse is.
- On XX/XX/XXXX I received a call from hackers gloating about my money being gone. I never gave them personal information over the phone. Capital assumed I did to discredit me.
- I called Capital one that same day XX/XX/XXXX to file a claim. I got a new debit card and was told my claim has been filed. Mind you these unauthorized transactions were still pending and I was told the zelle transactions could be canceled.
( XXXX XXXX ) - So I get no email confirmation of my claim from XX/XX/XXXX So I call again XX/XX/XXXX and they tell me no claim was filed XX/XX/XXXX and you need to file a claim. So I did another claim XX/XX/XXXX and got a claim number. So basically capital let 24 hours go by on an unauthorized charge ( s ) totaling XXXX $!!! Go by without filing anything when I called the day of!!!! While it was still pending and it would have been stopped!!!!!!!!!!!!!!!
- Sidenote* Me not knowing the rules at the time these bozos at capital said verbatim other transactions are still pending lets wait till it clears to dispute it, because we cant dispute pending charges (!!!! ). Thats what is said to me after calling about UNAUTHORIZED CHARGES ON MY ACCOUNT YOU ME TO WAIT TILL THEY CLEAR IN A HACKERS ACCOUNT!!!!!!!!!!!!!! WHAT THE XXXX. Looking at this in hindsight XXXX $ capital ones protection is the absolute worst by this standard. If The low energy employees forgetting to file my claim within 24hrs of me calling and lying to me later that I called the XXXX to file a claim isnt bad enough it gets much much worse!
- I dont get email confirmation of my XX/XX/XXXX claim until XX/XX/XXXX. XXXX I rarely receive emails about my account only randomly. If you question them they always say something is wrong with the customers email.
- So 10 business days goes by, ( mind you they forgot to claim within 24 hours XX/XX/XXXX ). From the XXXX to XX/XX/XXXX. I call them to see whats going on. I kid you not the rep said to me you should expect something in your account by the end of day. ( This is the fri my account was in the negative for a XXXX employee making the wrong claims on a atm and putting me in debt ) So I was like ok I can buy groceries at the end of the business day. I received nothing and had nothing all weekend and I couldnt sleep and I got sick from all this really ill.
- So I call back Monday XX/XX/XXXX to see why I didnt receive money from my claim about unauthorized transactions on my account. The rep say the claim has been denied and asked if I want to escalate I said of course, but I was lied to from the beginning because I was told it was going to be canceled on XX/XX/XXXX which is absolutely possible because a XXXX transfer of that amount takes 3 business days and can stop it. During all this I never received a email of the denial of my claim XXXX and this was XXXX business day from my claim. I asked if the case was still going because its been 10 business days they were just making up rules at this point.
- When I filed a claim to Cfpb I received a slew of emails one detailing the denial of my claim 21 business days later. This is completely out of line of the FDIC and XXXX to not send costumers copies of contraction, claim numbers, etc for their records and they use their own negligence to lie and blame the costumer while they try to change dates within their system, lie and obstruct evidence which I proof of a rep changing the date of my claims denial on phone records.
- After that Capital one went out their way to send me emails really late at night about my account because I reported them, and then they restricted my debit card with notification no email or phone call. They did it privately with no reason other than me filing my claim. So I called and they said verbatim nothing is wrong with the card its active and working. So they sent me a new card. I get the new card and they blocked me from activating it and they closed all my accounts with no email or call as of why. Thats illegal to forcefully take my money and not even send me a courtesy email detailing the information of why its happening. They became a child with a temper tantrum when Im the one missing XXXX $ and basically had to start over on my life savings because of capital one negligence and easily breached security.
These companies that can do anything to a customer and have no responsibility for anything. This is wrong on many levels not to mention they never claimed when I called on XXXX and let hackers take money, and they found their wells fargo bank and did nothing. They are so friendly to criminals and rude to customers really makes you wonder what capital one is. Till this day I never got a confirmation number for my claim XXXX because they forgot. Imagine you call the cops and say hey the crooks are right there to be nabbed and they so ok we will, and forget thats what capital did and they wont send me that number ( XX/XX/XXXX ) because their guilt, lies, shame, and obstruction of evidence will be proven in a court of law!!!!!!!
|
01/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
I was told I needed a very specialized XXXX on my XXXX XXXX. I would not be permitted to put any weight on my XXXX for a year and another year may be needed to learn to XXXX again. The XXXX were located in XXXX, FL. I moved to XXXX in preparation of the XXXX. I chose XXXX XXXX XXXX XXXX, am XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX moved me from my house in XXXX to an apartment at XXXX XXXX in XXXX. There were 3 movers, elevators, loading area for moving vans and exclusive use of the freight elevator.
When my doctors in XXXX examined my XX/XX/XXXX they discovered I did not have the condition originally thought. I had a very rare condition. The XXXX to correct my XX/XX/XXXX was done on XX/XX/XXXX. I walked out of the XXXX and was driving the next day. I moved back into my house in XXXX on XX/XX/XXXX.
Facts : Move from XXXX to XXXX Move from XXXX to XXXX Mover : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number of movers : 3 5 Time to load truck 5 hours 5 hours Time to unload truck : 12 hours 4 hours ( less than to load truck which is normal ) Elevator usage at XXXX : Yes Yes Cost of move : {$4600.00} {$1700.00} I have maintained XXXX XXXX XXXX XXXX XXXX stole my credit card number ( ID ), used my credit card without my permission, charged me fees I do n't owe, refused to give me a refund owed me, refused to complete the job which required me to hire someone else to finish the job, charged me considerably more than the ABSOLUTE MAXIMUM THE MOVE WAS TO COST SENT TO ME IN WRITING ON XX/XX/XXXX. The absolute maximum cost of the move included the 3 months rent for a small storage unit and the time for EVERY ITEM TO BE CARRIED UP 4 FLIGHTS OF STAIRS. The cost would be approximately half the estimate if elevators were used. From the info I have received from the AG of Florida, XXXX XXXX XXXX XXXX XXXX charged me 6 hours to load the truck and for 12 hours to unload the truck. I had to leave XXXX at XXXX to drive to XXXX to get the keys for the apartment prior to the management leaving at XXXX. XXXX XXXX XXXX XXXX XXXX left the same time I did. There is no way they took 6 hours to load the truck. The movers left XXXX XXXX before the police left on XX/XX/XXXX. The police left before XXXX. XXXX XXXX XXXX XXXX XXXX stopped working at XXXX to take photos of boxes. At XXXX they went to the lobby of XXXX XXXX to wait for the police.
XXXX XXXX XXXX XXXX XXXX charged : {$3600.00} for the move Maximum cost on estimate : {$3100.00} XXXX x {$400.00} = {$800.00} for storage units I never rented [ XXXX XXXX XXXX XXXX XXXX claim I paid them {$400.00} on XX/XX/XXXX for the first months rent. No receipt has been produced by XXXX XXXX XXXX XXXX XXXX. I NEVER PAID XXXX XXXX XXXX XXXX XXXX {$400.00} ON XX/XX/XXXX] 2 x {$250.00} = {$500.00} for??? [ XXXX XXXX XXXX XXXX XXXX charged me {$300.00} for use of blankets to move a few items to storage on XX/XX/XXXX. I was told I would receive a refund of {$250.00} when the blankets were returned to XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER RECEIVED THE REFUND. XXXX XXXX XXXX XXXX XXXX RECEIVED ALL OF THEIR BLANKETS BACK AND KEPT 4 OF MY NEW BLANKETS. ] Capital One insists one of the {$250.00} charges is for interest on the {$400.00} charge I didnt pay. [ {$250.00} for one month interest on {$400.00} is 650 % or {$3000.00} a year. ] I HAVE NEVER RECEIVED A SINGLE SHEET OF PAPER FOR THE MOVE WITH XXXX XXXX XXXX XXXX XXXX I NEVER AUTHORIZED USE OF MY CREDIT CARD, THE COST FAR EXCEEDS THE AMOUNT I SHOULD HAVE BEEN CHARGED, CHARGES FOR???
I HAVE THE RECEIPT FOR THE DEPOSIT AND PAY OFF OF THE MOVE WITH XXXX XXXX XXXXXXXX
XXXX XXXX XXXX XXXX XXXX DID NOT PUT THE FURNITURE WHERE IT WAS SUPPOSED TO GO. I HAVE PHOTOGRAPHS OF THE APARTMENT TAKEN AFTER XXXX XXXX XXXX XXXX XXXX WALKED OFF THE JOB AT XXXX ON XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX REFUSED TO PUT THE FURNITURE WHERE IT WAS SUPPOSED TO GO. I HAD TO PAY {$350.00} FOR XXXX XXXX XXXX TO PUT THE FURNITURE WHERE IT WENT AT THE APARTMENT. XXXX XXXX XXXX XXXX XXXX REFUSED TO REPAIR OR REPLACE THE ITEMS THEY DAMAGED DURING THE MOVE. THE MOVERS REFUSED TO PUT THE GLASS SHELVES IN THE DISPLAY CASE. THEY LEFT BOXES OF BOOKS STACKED IN A DOORWAY, THE CUPBOARDS WERE LEFT SO THAT IF THE DOORS WERE OPENED THE CUPBOARDS WOULD FALL OVER ON TOP OF ME. BOXES WERE LEFT IN THE HALLWAY. BOXES WERE STACKED OVER 7 FEET HIGH SO I COULD N'T GET TO THEM. HEAVY BOXES WERE PILED IN FRONT OF DRESSERS, BOOKCASES, CUPBOARDS, ETC. SO THAT I COULD NOT GET ACCESS TO PUT THINGS AWAY. A RECLINER WAS LEFT IN THE MIDDLE OF THE LIVING ROOM BECAUSE BOXES WERE WHERE THE CHAIR SHOULD GO. i 'M IN MY XXXX 'S. THIS WAS OVERWHELMING.
ON XX/XX/XXXX XXXX XXXX XXXX PUT ALL THE FURNITURE WHERE IT WAS SUPPOSED TO GO. THEY REPAIRED ANY DAMAGE THAT OCCURRED DURING THE MOVE. THE MOVERS ASKED IT THEY COULD DO ANYTHING ELSE BEFORE THEY LEFT. THE GLASS SHELVES WERE PUT IN THE DISPLAY CASE AND THE HOOK WAS INSTALLED FOR THE LIGHT CORD. ITEMS WERE PUT ON SHELVES IN CLOSETS.
NOTE : XXXX XXXX XXXX XXXX XXXX has been permanently barred from XXXX XXXX XXXX XXXX because of the way XXXX XXXX. spoke to the management and residents during the move. Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX from the XXXX location was at XXXX XXXX almost every week. Now they are barred from XXXX XXXX.
|
04/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
Consumer Finance XX/XX/XXXX Bank Complaint Capitol One Banking In XX/XX/XXXX I called Capitol One and asked them if I could deposit into my account some unemployment checks of my boyfriends because he had lost his I.D . they said it was fine if he signed the check and wrote pay to the order of XXXX XXXX, and I signed it and wrote for mobile deposit. I made 17 deposits like this and gave him the money until he opened his own account at Capitol One. On XX/XX/XXXX I checked my account and I was {$410.00} overdrawn in my checking account. The bank entry said Adjustment Debit -Adjustment to correct error and {$600.00} was removed from my account.
I made the first call of 39 calls I have made to Capitol One. I was told so many different things as to why this money was removed from my account, from the beginning Capitol One kept telling me they would expedite this issue and I would hear back from them in 2 days. Then they said I would hear from them in 20 days because they had to investigate. This list is some of the explanations I was told by Capitol One.
1. I was not supposed to deposit a check made out to another person.
2. The FDIC had flagged the check because it was signed over to me.
3. That the bearer of the check had went into XXXX Bank and cashed it.
4. It was my fault because I was to destroy the checks after they cleared my account.
5. That someone walked into XXXX with the paper check and cashed it.
6. That XXXX had presented the check for payment before Capitol One.
7. That since XXXX had the real check Capitol One had to give the money to XXXX.
This is what I know for a fact, I mobile deposited a State of Oregon XXXX Department XXXX made payable to XXXX XXXX XXXX for {$600.00}, check number XXXX, on XX/XX/XXXX.
The check cleared my account a few days later around XX/XX/XXXX. The check was then cashed at XXXX Bank on XX/XX/XXXX. I went to XXXX Bank and was told there was 3 of these checks a person mobile deposited into their account. I got copies of these checks from XXXX Bank and compared them to the copies of the checks I deposited into my Capitol One account. Clearly, they have been altered from when I deposited them 30 days before. They were mobile deposited by a person named XXXX XXXX. I was very confused how this could have happened that one of these checks XXXX got paid for and the money taken from me. I continued to call Capitol One every couple days, my boyfriend called with me a few times and also spoke to them telling them he had signed the check over to me for deposit on XX/XX/XXXX and I deposited them on XXXX of XX/XX/XXXX. We asked Capitol One how this could happen over 30 days later, and we would get a variety of answers. The issue is after repeated calls and my own visits to XXXX Bank I found the answer how this happened. Capitol One for some reason had not presented the check for payment, so when fraud person ( XXXX XXXX ) made a mobile deposit into her account 2 of the checks showed they had been deposited prior and one check went through. Capitol One took this money from me because they had not presented that check for payment until after XX/XX/XXXX. That is not the normal procedure for any bank to wait that long before presenting a check for payment, and that is not my fault and I should not be the one who is penalized and out the money. I have been lied to by Capitol One when I was told it was because they walked into the bank with this altered check and cashed it, and all the other false reasons they gave me. One employee told me the truth, which was that XXXX presented the check first, then lied and told me that it does not matter how long after you make a mobile deposit if someone takes the actual check into a bank that supersedes a mobile deposit, and they take the money from the person who made the mobile deposit. Putting together all that I was told by the many Capitol One supervisors and XXXX Bank I was able to piece together what happened. Capitol One had not presented the check for payment, not sure why but they failed to get paid for that check, so XXXX got a mobile deposit from XXXX XXXX and one check cleared as not previously being deposited. Capitol One finally between XXXX XXXX and XX/XX/XXXX, presented this check for payment and it was already cashed by XXXX. How can this bank or any institution wait this long before presenting the check for payment and then taking the money from their customers? They have been extremely negligent as a bank by not presenting a check deposited in a timely manner, and every person I talked to had a different story. The guy from their fraud department who gave me their final decision of not giving my money back started the conversation out by stating, their decision was based on the fact that I was not supposed to deposit a check that was signed over to me. I also asked Capitol One in XXXX if it was okay if my account was negative while we figured this out, I was told it was fine. I then made a deposit into my savings account and they took the {$440.00} from my savings to make my checking account not negative, which makes the total amount taken from me {$1000.00}. I am sending copies of checks and XXXX XXXX information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX XXXX XXXX
|
12/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
On my visit to my hometown in XXXX, my daughter hit a pot hole and damaged her XXXX car. It had {$3800.00} worth of damage. so, on XXXX XXXX, XXXX My daughter and myself went to dealership to see about purchasing her a car. I sales representative approached me and sat me down and asked what I was looking for. My daughter suggested a XXXX XXXX. The sales representative looked into his computer and found several options. We chose the XXXX XXXX XXXX. He asked how much did I want to put down and I said {$500.00}. I filled out an application. He asked for ID and proof of income. I told him I am a Realtor and get a pension, but I do not have any paystubs Since I was visiting from XXXX, He stated that I could pull off my banking statements for a couple of months. So, he gave me access to use his computer to print. We waited for about 30 minutes and he stated that while his manager is working on paperwork we could test drive. I stated I do not want to test drive something I can not have, He stated something to imply that it was just a matter of getting paperwork done. So my daughter and I drove around for about 20 min. We came in a sat for about another 30 min. The salesman asked me about calling my insurance agent to get insurance. I still not sure if I have been approved. He stated that you got the car ... .We were elated. So about 20 minutes later I went into another office with the manager who handles the financing. I went into the office and signed all the paperwork. They gave me a temporary tag, 2 sets of keys. I was told that the information about due dates and who to pay would come in the mail. The sales person wanted me to take a picture next to the car to put on there website. And we went on our way. About 1 weeks later the dealership is calling and stating that the lender is having problems verifying my employment. I am shocked with them even calling me at this point, because I thought everything was done. So I stated that I am an independent contractor and do not really have a boss. I can provide XXXX XXXX. So I provided to rep from dealership on XXXX XXXX XXXX. I got another call about a week later that the XXXX XXXX could not be used because it was after May. Huh? So I told them I do not know what else I could provide. So, another sales rep at dealership asked me for phone numbers to who they could speak to someone at my brokerage firm. I told them that I would look into who to call, because I have never been asked this before, because I am not really an employee, so I do not know if calling HR they would verify that I work there. I also told them they could look at the Georgia XXXX XXXX Commission and it would tell them how long and who held my license. So I call Broker support ( who are Real Estate Agents that have gotten their brokers license ) if they would be able to confirm that I work there. Which was embarrassing, because I did not want them to know my personal business. I gave them the toll free number and the reference number that the dealership gave me, but the broker called me back and stated that it did not direct him to where he should go. It was a couple of days before XXXX and I was preparing for my flight to visiting my family again, So I did not call anyone. I got a call from the one of the sales reps and she stated that if I provide the XXXX that would be all I needed. So, I told her remember I sent it to you already, If you want I will resend to you and she stated please do. So I did on XXXX XXXX, XXXX to her email address. I asked her is that all I need and that would be it. She said yes, that is it. I told my daughter and a sigh of relief. Then called me back later that day and stated I need to bring the car back because they can not verify my employment. I said you told me everything was fine. She said well it is not and you need to bring car back. Very stressed out I call around and found out that the Accounting Mgr is the person who can provide a letter that verifies that I am an independent contractor. So, On XXXX XXXX, I emailed the letter to the sales rep at dealership. Also, the Accounting Mgr faxed the paper to the lender who wanted back my commission and date I started on XXXX XXXX. I get a call on Monday, XXXX XXXX stating I need to bring the car back because lender do not believe I am employed at the brokerage firm because they did not get the verification back. So, I called the Accounting Mgr and she checked and had her confirmation when she faxed and emailed it to me. When I got that information, I called the Mgr of dealership, but could not reach him. I called XXXX - 3 times during that week. Finally, one of the representatives gave me his email address, so I emailed the confirmation to him. On XXXX, XXXX XXXX, I am told that I need to bring the car back. I have given them {$500.00}, purchased additional insurance for 2 months, tag and if I had brought the car back to Georgia with me would need to drive it to Ohio and purchase a plane ticket back to Georgia. I have not heard of anyone telling you that you have been approved for something and then make you give it back. I purchased this car for my pregnant daughter who has XXXX kids that are very active and now they are saying I need to bring it back to the dealership. Please get to the bottom of this. This is so wrong.!!!!
|
02/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
RE : Capitol One Bank. Customer Protection Department. Case ID XXXX XXXX XXXX XXXX On XX/XX/XXXX, we contacted the Customer Protection Department after learning our business checking account and Lines of credit had been frozen. XXXX, customer rep advised that the account was suspended due to an investigation of an electronic deposit by the U. S Small Business Administration. We advised that this was one of two Economic Injury Disaster Loan disbursements for our business, XXXX XXXX XXXX. We offered to provide immediate verification of the loans. XXXX stated there was nothing we could do and we could not speak with the investigator. We were told we would be contacted within 15 business days.
On XX/XX/XXXX, Capitol One froze all of our personal accounts in addition to the business account. We contacted the customer protection department again. XXXX, a rep, advised that the investigation determined the electronic deposits were fraudulent and that our accounts would be closed. All debts would be due immediately. All funds in our accounts would be seized as bank property. Although the investigation was open the decision had been made to return the loan amounts in question to the SBA. We were told we could not speak to a supervisor. XXXX said we could not speak to an investigator. We could not provide any documentation. On this date, we receive one email that Capitol One was suspending the use of our daughters bank account and we would be contacted for more information.
On XX/XX/XXXX, we contacted the SBA loan agent assigned to our case. She verified that there was no investigation for fraud or inquiry from Capitol One regarding our loan.
On XX/XX/XXXX, we again contacted Capitol Ones customer protection department. After briefly speaking to a rep, we requested to speak with a supervisor, XXXX. At that time, the supervisor finally confirmed what was being investigated. The bank questioned three separate electronic deposits from the Small Business Administration : XXXX, XXXX on XX/XX/XXXX ; XXXX on XXXX XXXX, and XXXX, XXXX on XX/XX/XXXX. These were installments on the Economic Injury Disaster Loans from the SBA. We confirmed that these were valid deposits. XXXX confirmed that there was no concern in how the funds were used. XXXX stated that the bank determined that we did not have a business after an inquiry to the Secretary of State. The bank was in the process of closing our accounts and returning the money to the SBA. We asked what documentation we could submit to prove this was an error. She then stated that we could appeal the decision by providing a XXXX tax return and any other supporting documentation to verify our business. She stated that if this decision was overturned that this would not be reported to any agencies and any fees that were incurred would be returned to us. She stated that we would have to wait 2 business days for the documents to be attached to our case ID and it was unknown when the investigation would be reviewed. On XX/XX/XXXX, we emailed to XXXX a copy of our XXXX XXXX and Schedule C for XXXX XXXX XXXX and copies of the loan application and letters from the SBA confirming the electronic deposits for the dates in question.
We are an established sole proprietorship and have been in business since XXXX. We have tax returns and filings with the Secretary of State in Texas. We were financially devastated by the COVID pandemic and the EIDL assistance provided working capitol to keep our business afloat during a difficult time. We have banked with Capitol One for business and personal checking for years. We received no notice of an inquiry regarding the deposits. No request for documentation. No notice that our accounts were being frozen or closed. We have not had access to our funds for business or personal use since XX/XX/XXXX. Our home sustained damage during the Texas winter storm. We do not have funds available to fix the damage. We can not access money for food or gas. Our business reputation has been damaged by returned checks to our suppliers for business needs. We will not have access to my paycheck on XX/XX/XXXX and all our automatic debits for utilities and our house payment will bounce. This is financially devastating all because a bank decided to accuse us of fraud without proof and without a proper investigation.
We discovered in our research of how to resolve this issue that other small business owners and sole proprietors have been in the same situation with their accounts and assets frozen for investigations into their PPP and EIDL loan payments. This should not happen to already struggling small business owners. We understand that fraud does happen but there should be some regulation to the process. Capitol One did not back this loan. These funds came directly from the SBA. The SBA should be the one to investigate concerns of fraud if there were any concerns. In this case, the SBA verified through our tax returns and bank documents that we were an operating business in need. Capitol One has overstepped and erroneously accused us of fraud while implementing penalties and severe actions without cause. This complaint could have easily been resolved prior to XXXXXX/XX/XXXX if Capitol One had only asked us for the documentation they needed to verify our legitimate business.
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09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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Capital One Auto Finance does not require proof of identity to approve and disburse funds for auto loans. All you need is your information and a signature. However, in order to prove a loan is fraudulent, they require a notarized affidavit, police report with account number or vin as well as a copy of your drivers license and social security card. Ironic, dont you think?
On XX/XX/XXXX I received a phone call for a credit card application through capital one that I did not apply for. I called and told them I did not apply for a credit card with them. I have a credit card with capital one already. When I went on my capital one app on XX/XX/XXXX, there was a notification at the top that said click here to link auto loan. Uhm, what?! I called back to question this supposed auto loan and they have to transfer me to a different department.
The gentleman that I spoke with argued with me, saying maybe they didnt respond in a timely manner with an interest rate proposal and I cut him off and said absolutely not. I knew the vehicle in question, was my husbands since my vehicle is a lease. I stated that our loan was 7 months old at the time and asked why would we refinance a new loan at a higher interest rate. He then asked me if I would like to report loan as fraudulent and I said yes, absolutely!
He emailed me paperwork that I needed to fill out and mail back. I was not told that my husband needed to fill it out as well. The information capital one required to claim loan as fraudulent was a notarized affidavit stating loan was fraudulent, a police report showing the account number or vin of vehicle and proof of identity such as a drivers license and social security card.
I finally had all the paperwork to send to capital one the following week. To be on the safe side, I sent the paperwork registered mail so I would have proof of delivery. They received the information XX/XX/XXXX.
I felt like I had things kind of squared away or at the very least everything was in progress of getting worked out. Oh how wrong I was! I went on Wednesday, XX/XX/XXXX to pay my husbands car payment. I always pay it at the branch, XXXX, near our house on my way to work. I am sitting at the drive through and its taking forever and the teller comes back and tells me that she cant find the loan that is attached to our car payment slip. She asked me to give her a minute and she double checked and came back and told me that the loan was paid off.
It turns out, the day that I called to report the loan as fraudulent was the day Capital One disbursed funds which closed out our original loan. Which in turn, XXXX, transferred our title to Capital One. So the fraudulent loan now holds the title to my husbands XXXX.
When I spoke to the fraud department with Capital One, I asked if they could explain their loan process to me. For example, do they require proof of identity before approving and disbursing funds. I was told, it depends on the clients. In some cases, only a signature is required. I asked for a copy of the loan application and they did not release it. The detective we have working on our case filed a warrant to get a copy of the loan application.
The detective called me after reviewing the report and said that the application had a deceased persons phone number, our signatures that were forged ( which was missing the r in our last name ) and that was it. Our address was correct and they used my email address that I just created in XXXX. Capital One did not require any proof of identity!
As of Thursday, XX/XX/XXXX, Capital One has still not flagged the loan as fraudulent even though they have a copy of our police report and had to release information based on warrant to the detective with XXXX XXXX XXXX XXXX. Now they are asking my husband for the same paperwork that I already submitted. To my understanding, they want a copy of my husbands drivers license and social security card.
My husband spoke to Capital One Auto Finance again this evening, XX/XX/XXXX, and they still have the incorrect information listed for the fraudulent loan. The information they have is the original loan documents that are fraudulent. Capital One Auto Finance still has my husbands birth year wrong, the loan document says he is XXXX XXXX XXXX than he actually is. Capital One Auto Finance also still has the incorrect phone number listed, a prepaid phone with a Hawaii area code. He has corrected them at lest a dozen times.
Capital One Auto finance told my husband that they would be willing to send the title back to our original lender if our original lender would reinstate our loan. In turn Capital One Auto Finance would expect XXXX to send the money back that they received from Capital One.
After going back me forth between Capital One and XXXX, it doesnt seem like anyone is wanting to budge because they dont understand why someone would do this. XXXX also wants to understand how the loan got approved which Capital One was not willing to disclose with our original lender. We are at a standstill while both institutions are pointing fingers at one another and not willing budge. Meanwhile, since the account is considered legitimate with Capital One Auto Finance, my husbands vehicle is going to be scheduled for repossession in the near future.
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10/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX/XXXX/XXXX, I contacted Capital One to inquire if I made my payment on the XXXX of the same month XXXX 3 days later XXXX would there be any impacts to my credit. The representative advised no as long as I made my payment on this date it would reflect whatever the remaining balance was from my payment. I called Capital One on XXXX/XXXX/XXXX when I returned home from a Business trip I was on that week. I called and attempted to make my payment via their automated system. Unfortunately, their system was having issues and was not accepting the information I was attempting to provide. Instead of continuing to use that system I opted to speak with a representative. I attempted to tell the rep what the issue was and tried to get her to take my payment to have it applied to my account prior to the end of business. According to the companies phone system I reached a live representative at approximately XXXX pm. When I provided my account information the representative advised that my payment would not post until the next day which would have been the XXXX of XXXX. I asked how that would affect my credit, she was not understanding after several attempts to inquire about the effects of them posting my payment the following day. I requested to speak with a supervisor and was transferred to XXXX operator ID XXXX located in XXXX Florida after being placed on hold for XXXX mins without a refresher being conducted for my extended hold time. When speaking with XXXX XXXX XXXX expressed my concerns of their faulty system and under trained representative pertaining my attempts to post my payment. After taking my payment I asked XXXX XXXX to submit a request to have my credit report updated to reflect what my new balance would have been if my payment had have been processed correctly when initially called. I was advised that he could not submit such request as it was after XXXX, I confirmed yes it is after XXXX however if their system was working properly the payment would have posted prior to XXXX as I reached a live representative merely a XXXX or XXXX after XXXX and that was including going through the automated prompts and response time from the agent answering the call. I advised if it was only XXXX min after XXXX when the rep actually answered the phone and I 'd been having issues prior to her answering the call would my payment not have been applied prior to the cut off time. He ( XXXX XXXX indicated yes it would have but since it 's after that time now there was nothing which could be done. I went on to explain how if an error were to occur on the behalf of the company which prevented my payment from being accepted in time that would have been no fault of mine and would require an update to be made. XXXX XXXX advised there was no way to get this completed and to simply wait until my next reporting date and it would counter any negative or inaccurately report balances at that time, in essence creating a wash of the reporting which he could not adjust. I advised that would not be beneficial to me as consumer and how it would negatively impact my credit. I asked to speak with his XXXX to see if a higher form of management could assist me in correcting an error which was created by his company. I was advised that his XXXX XXXX would not take the call as it was not clerical or administrative. Completely disturbed at this point I advised XXXX XXXX that failure to provide me with a higher member of management was not acceptable and was a violation of my rights. XXXX XXXX insisted that he was the stopping point and that there were no other options to speak with a complaint department or higher member of management. I again expressed to XXXX XXXX that I take my credit very serious and that I 'd also called in several days prior to confirm my payment date and how if any affects it would have on my credit. XXXX XXXX indicated he saw no notes in the system pertaining my phone call which may be even more alarmed about the whole situation and the dealing with this company. I asked XXXX XXXX to have a member of upper management or corp resolution department contact me by noon on XXXX/XXXX/XXXX. This did not happen. I again contacted Capital One and spoke with a XXXX in the corp resolutions department. She listened to my issue said that information was miscommunicated to me and said payment would have needed to be in by the XXXX and not the XXXX. My faith in dealing with this company has not been tarnished tremendously as I 've always thought highly of this company. I was offered to have the late fee waived and the XXXX dollar int fee waived. I thanked her but advised that was no comparison to what I was preparing to take a hit on my credit. XXXX XXXX confirmed she saw I called on the XXXX but had no notes as to what the call was pertaining to. She asked to listen to the call and return it later advising what she 'd discovered. I received the return and was advised that she did confirm I was given this information and proceeded to say that it was incorrect however ; the standings of my account would currently remain the same. This experience has been misleading in more ways than others by multiple people in this organization. At this point I 'm seeking assistance or guidance on how to dispute the reporting status.
|
09/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
I am a current cardholder for a Capital One Platinum Card that was issued to me after I applied in XXXX of XXXX. The card was issued to me with a {$500.00} credit limit. This specific card targets individuals who have a past and current history of poor credit due to problems in the past. In my case while residing in XXXX XXXX - I, like many people during the XXXX - XXXX downturn in the economy and housing crisis- lost my job and became behind in many debts.
I applied for the card that I was solicited for through a Email by Capital One. After being approved for the Card - I was issued one. After a couple of weeks of not using the card, I decided to use it and charged several items. After making several purchases - I elected to make a Payment. I waited several days before following up with a telephone call. Upon checking my bank charges - I learned that Capital One had removed my payment from the XXXX XXXX XXXX one day after the payment was made. However, after checking my my available credit several days later I learned that my payment was not reflected in the available credit on my card. After learning this, I contacted Capital One by telephone. I was told by the customer relations staff that my payment- as well of those of other holders of the this type of card, which could add up the tens of thousands of consumers here in North Carolina. The customer relations specialist I dealt with first informed me that as a matter of policy with this specific credit card, a Hold for seven days was placed on my checking account in order to allow my payment to give my bank the time for my payment to clear. I pointed out to the representative that I already checked with my bank and that Capital One had already taken the payment out of my checking account. I requested that this artificial hold be lifted immediately. The representative related that Capital One would not lift the hold on my payment until it had actual proof that it had cleared. I objected to this policy and requested to be connected to a supervisor. I was transferred to the supervisor who gave me the exact same story about giving the payment a 7 day period to clear - even though my payment had already cleared and was taken out of my checking account several days earlier. I requested too make a formal complaint regarding this matter. I made a complaint regarding this 7 day hold issue. Approximately two weeks later I received a telephone call from a female staff at Capital One who identified herself as part of the dispute resolution unit at Capital One. I explained to her that such an arbitrary hold for 7 days - even after the funds had been withdrawn from my account- created an incorrect profile of my available credit and potentially could damage my credit score. After explaining this matter to her and its potential negative impact- she ended the conversation. I never again heard from her. I my specific case Capital Ones conduct resulted in a significant adverse impact on my credit score because the faulty information that they received ( The Credit Bureau ) from Capital One.
Shooting ahead to XXXX - XXXX of this year - Capital One solicited me through an Email to apply for their Capital One Bass store branded credit card. I applied and was approved for a {$6000.00} credit limit. I started using the card. Just prior to leaving for vacation I went to use the Capital One Bass store card again and discovered that my charge was Declined. At this point I had already left for vacation. I contacted Capital One and was told that a problem occurred and that my card was suspended until I could identify my identity. Capital Ones Fraud Unit gave me a list of ID items that I could submit. I went forward and uploaded various copies of my ID. When I called back the next day I was told more info was needed to verify my identity. I again submitted the additional info as requested. The next day I called Capital One again and was told that more ID was needed related to establishing my identity. Again I submitted the requested ID items. I then called back to confirm that my info was received. They confirmed that it was but it was still not sufficient to establish my identity. At this point in time I had already spent nearly two hours on the phone with 5 different customer relations representatives as well as 3 different supervisors from the fraud unit at Capital One.
After great frustration- It dawned on me that the suspension of my Bass Master Credit Card was likely a form of retaliation It dawned on me that this suspension coincided with my complaint with Capital One about my Capital One Platinum card.
Its clear to me that Capital One was engaging in a farce and that I was being punished for complaining about one of their credit cards. Just to review - Capital One is holding cardholders payments and receiving interest on these payment funds and not paying any interest to card holders. On a much larger scale - this could involve tens or even hundreds of thousands of consumers who have such a card. I truly believe that this practice may involve Capital One with a deceptive policy that could involve Millions of Dollars. This could be a Class Action matter. It may also rise to criminal conduct by Capital One to the extent that it may defraud cardholders.
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07/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX, I tried to initiate an online dispute with Capital One, regarding a charge applied in my account on XX/XX/XXXX by XXXX for an upcoming hotel reservation in XXXX that I was forced to cancel due to COVID-19. I noticed that Capital One disrupted the online dispute option and that all disputes should be initiated by phone and mail only. Due to an alleged high call volume, the phone option was practically unavailable.
On XX/XX/XXXX, I mailed a letter to the bank dispute center via USPS Certified Mail, disputing this charge. Capital One received my letter on XX/XX/XXXX.
On XX/XX/XXXX, I finally got in contact with the bank by phone and I said that that I wanted to dispute a charge in my credit card account ( Case Number : XXXX ). I also let the bank know that the supporting documentation was submitted by Certified Mail and that Capital One was in possession of such letter since XX/XX/XXXX. On XX/XX/XXXX, Capital One applied a temporary chargeback with the disputed amount and interests.
On XX/XX/XXXX, Capital One charged my account again and sent me a letter asking for documentation, practically the same documentation that I mailed to the bank on XX/XX/XXXX. In this letter, the bank acknowledged that they were considering my case closed and that if I wanted to continue with my dispute, I needed to respond and submit some documentation. The bank reserved the right to respond between 10-15 business days.
On XX/XX/XXXX, I phoned the bank and I was provided with a link to upload all documents online. I complained with the Customer Service representative about the fact that I was not able to get access to my online documents.
On XX/XX/XXXX, I uploaded to the bank dispute center system the letter submitted by mail on XX/XX/XXXX and a copy of the USPS Certified Mail receipt.
On XX/XX/XXXX, Capital One sent me an electronic letter saying that a chargeback was applied in my account, and stating that unless we hear back from the merchant, with consider your case closed. This was the latest official written communication that I received from the bank.
On XX/XX/XXXX, I uploaded another letter to the online dispute center system, containing more documentation.
On XX/XX/XXXX, in a phone conversation with a bank representative, I said that, according to Capital One letter from XX/XX/XXXX, a chargeback should be applied and that such amount was not reflected in my account. The customer service representative told me that my case was under review and that the bank was not able to apply a chargeback. The bank acknowledged that they received the documents that I submitted on XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX, in a 2-hour phone conversation with the Customer Service, I inquired about the status of my dispute. The bank representative told that my case was under review and that further documentation was needed. I asked to speak with a supervisor, who basically told me that : 1 ) My case was definitely closed. 2 ) Capital One chargeback letter from XX/XX/XXXX was submitted by mistake. 3 ) She couldnt say why Capital One didnt respond to my letters from XX/XX/XXXX and XX/XX/XXXX. 4 ) The bank doesnt have the right to apply a chargeback because I didnt use the services made available by a merchant as the merchant has fulfilled its obligations linked to the transaction, and that since I booked a non-refundable reservation, I was not eligible for a refund and any further refund. In my phone conversation with the bank supervisor, I emphasized in the following : 1 ) I canceled my reservation on XX/XX/XXXX. 2 ) I tried to solve the dispute with the merchant. 3 ) The cancellation policy that XXXX had in force when I booked this hotel on XX/XX/XXXX was not applicable, since such cancellation policy was superseded by a new one due to COVID-19, entitling customers falling in this category to a refund or voucher, as stated in XXXX website. 4 ) That in my case, I didnt receive any refund or voucher, to which I was entitled to. 5 ) That this situation was preceded by the fact that the Government of the XXXX XXXX declared a state of emergency, that foreigners were not allowed to cross borders of such country since XX/XX/XXXX, that the XXXX authorities limited the freedom of movement, imposing isolation and quarantine policies, and that since XX/XX/XXXX, Hotels/Accommodation services will be provided to foreigners who have permission to work in the XXXX XXXX and to foreigners waiting to leave the country, as stated in the official webpage of the US Embassy in the XXXX XXXX. 6 ) As such, the merchant couldnt fulfill any obligation and couldnt make its services available due to a force majeure event, making me eligible for a full refund, since the obligations contained in the booking agreement were not longer valid. 7 ) I also told the supervisor that Capital One have been acting negligently and illegally by loosing documentation ( as happened with the letter that I submitted on XX/XX/XXXX ) as well as by providing false and misleading information ( as happened with the chargeback letter submitted by Capital One on XX/XX/XXXX, or by not providing a written response in a timely or prompt manner at all ).
Please investigative this issue and dont hesitate to contact me when deemed necessary.
|
07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
XX/XX/2023 - Prepaid Booking for XXXX XXXX XXXX - Reference # XXXX - Amount : {$420.00}.
XX/XX/2023 - Picked up rental vehicle. XXXX employee falsely told me there were no additional charges and a temporary hold would be placed on my account. In reality they had added many additional charges and had me sign on an electronic device where I could not properly view the revised contract ( which included additional charges I was neither advised of or agreed to ).
XX/XX/2023 - XXXX XXXX additional charges my account for {$450.00} USD. Surprised by this I contact the rental company who refuses to refund me. I am told I am responsible for over double what I had originally prepaid for.
May 29th/30th 2023 - Dispute Opened with Capital One in regards to Extra charges applied to my account by XXXX XXXX . {$450.00} USD temporarily credited to my account.
XX/XX/2023 - XXXX XXXX provides documentation to Capital One, Capital One closes dispute and sides with the merchant adding charge of {$450.00} USD back to my account.
XX/XX/2023 - I reach out to Capital One, Re-Explaining how the XXXX XXXX employee had lied to me about there being no additional charges telling me it was merely a temporary hold and that my signature was merely to confirm the temporary hold and to pick up the keys for the car. The Capital One customer service representative, XXXX, provides me an online portal link and requests I write a letter of my statement of events ( copied and pasted below ) in order to " fight for me ''. I shortly after write out my statement of events.
XX/XX/2023 ( a few hours later ) - Capital One almost immediately closes my dispute once again siding with the merchant. They completely disregarded my entire statement regarding the XXXX XXXX employee lying to me about the purpose of my signature and the additional charges.
I am filing this complaint because Capital One completely disregarded my account of events and sided with the merchant automatically without actually doing their due diligence to investigate the poor business practice of the merchant and falsely led me to believe that submitting my account of events had any effect on the outcome of their decision.
Statement submitted to Capital One : To Whom It May Concern : This in response to the documentation submitted by XXXX XXXX on XXXX XX/XX/2023 in regards to a claim/dispute that I had submitted to Capital One in the amount of {$450.00} USD.
On XXXX of XX/XX/2023, I prepaid in the amount of {$420.00} USD for a rental vehicle for my recent trip to XXXX under XXXX Booking Reference # XXXX ( See below e-mail screenshot for proof of prepayment ).
Upon arrival at XXXX City Airport on XXXX XXXX I went up to the XXXX XXXX Kiosk in order to retrieve my rental vehicle keys and relevant paperwork.
The man at the counter took my name and pulled up my reservation. He confirmed my details and verbally advised me that a credit card would be required in order to place a temporary hold on my card in order to get the keys to my vehicle and that the hold would fall off my statement upon return of the vehicle.
At no point was I advised that I would be responsible for any additional fees or charges.
I was told to sign my name on the small 4 x 3 inch digital pad and handed the keys. At no point was I given the opportunity to review or advised of any potential changes to the prepaid/pre-booked contract.
After my trip, on XXXX of XX/XX/2023, I returned the vehicle and keys to the same XXXX XXXX location with a full tank of gas and no issues at inspection/return. Shortly after, the temporary hold fell off my Capital One account and I felt that all had gone smoothly and as planned/advised by the XXXX Employee .
However, on the XXXX of XXXX I went onto my Capital One account to find that I had been charged an additional {$450.00} USD by XXXX XXXX. What had originally been prepaid to cost {$420.00} had now become a total of {$870.00} USD.
I felt this was unacceptable and obviously done by mistake so I attempted to reach out to XXXX XXXX to resolve the issue. I submitted all the pertinent information via XXXX Online support and was told that someone would reach out to me but nobody from the company ever did. Eventually, I went on to file a dispute/claim through Capital One a few days later.
I would have never agreed to pay over double what I had originally prepaid to rent this vehicle. I was advised verbally by the XXXX employee upon pick up of the vehicle that the charge to my card was a temporary hold and I would have never agreed to an additional {$450.00} USD of payment to rent this vehicle, more than double the original amount.
I feel that the XXXX XXXX employee at best was incompetent and at worst was predatory and took advantage of someone who was travelling to a foreign country in a different time zone to charge over double what was clearly a prepaid booking.
XXXX XXXX showed further disregard for fair business practice by not ever responding to my request for assistance/support regarding this matter, forcing me to dispute via Capital One.
I should not have been charged over double the prepaid/preagreed amount. XXXX XXXX should not be charging me over double for additional goods and services not rendered and not advised of.
|
11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
Capital Auto Finance refinanced my car in XX/XX/XXXX and I made all due payments timely every month. My car got into an accident on XX/XX/XXXX and was declared totaled loss a couple of days later. XXXX XXXX issued a payment through the automated payment portal for totaled loss on XX/XX/XXXX ( see attached ) but I kept paying the loan to Capital One even a month later ( XX/XX/XXXX ) as I was thinking it is just a matter of days for Capital One to get the transfer, clear my account and refund me the balance. After seeing my account was still not cleared weeks after payment issued by XXXX, I started calling Capital One for hours almost every week or other week to inquire about the situation. It appeared Capital One was not able to get the payment through the automated portal because the title of my car was not perfected.
In XX/XX/XXXX, I provided the documents that were requested to me in order for them to get the title " perfected '', including a power of attorney. About a month or two later, I was called by a Capital One agent asking for a power of attorney, I said I had mailed it, they made me re-mail it again which I did. Then again, I was called for same power of attorney as according to Capital One agent, there were expecting another power of attorney from a second person who they believed co-own my car ; they read the names of that person and I told them all the names they see are mines and they can double check that with my ID on Capital One file - I was even asked to mail my wedding certificate to the title department which I did. But surprisingly someone else again called me ( I believe XX/XX/XXXX ) about same thing, I gave again same explanation and after checking their system ( with my ID on their file I guess ), he suggested sending me another power or attorney via a protected link through text on my mobile phone ; what he did while we were on file and asked me access the link and sign the document and we would all be good. Which I did and never heard back until I started inquiring in XXXX XXXX why Capital One was not clearing my account with my insurance payment.
It appeared that since I signed the latest power of attorney via protected link texted to me, the title was still not perfected. When I asked why? Capital One said they were waiting documents from me ; then I ask which ones, no one was able to tell me which one but they rather send me back and forth then am told everything is fine and that they will now send the documents to the DMV. For weeks they kept the same language and finally sent the request to the DMV in XX/XX/XXXX ( unless mistaken ). Then DMV rejected Capital One request because XXXX had sent ( timely ) while issuing the payment for the damaged car their request and now title is issued to XXXX since XX/XX/XXXX.
Capital One then requested that we worked on XXXX re-issuing a new payment ( by check now ) which I had no issue with and communicated with XXXX on. XXXX finally reissued a payment end of XX/XX/XXXX.
My point is : I am the one bearing the consequences of Capital One inactions. Why did Capital One only sent the title documents to the DMV in XX/XX/XXXX? Why not in XX/XX/XXXX? Why not in XX/XX/XXXX when I was asked to electronically sign another power of attorney? My credit score decreased by more than 100 points in a couple of months because my credit report showed {$55000.00} auto loan ( of which {$25000.00} Capital One ) and Capital Auto reported me as delinquent for a loan which is not cleared by their fault. I am now obliged to put on hold any financing procedure ( home refinancing ) that I was exploring because of this. I would understand being held accountable for missing a payment if Capital One was not at fault.
I tried to solve this issue before the payment reissuance, putting in days/hours of calling Capital One, being thrown back and forth between Total loss - Title departments- DMV, .... to try to solve this issue and several times I mentioned several times my concern about the risk of my credit score being affected, no consideration was given! If Capital One committed 10 times to call me back and follow-up about this issue since the accident, they did it twice ( over the 10 ). When I ask ( and I did several times ) to talk to a Manager the line gets cut or people who commit to call me back do not do so. Last was Monday XX/XX/XXXX I called the credit bureau complain of Capital One, the supervisor to whom the issue was escalated committed to review the case and call me back by Wednesday XX/XX/XXXX, never did. When I talked to Capital One in XXXX, there was no note on the file of that " XXXX ' neither his commitment to call back ( which means there is a selection on what to note or not on the issue ). Now I can't prevented from any financing action because of my low credit score.
Please note : This dispute has been formally sent to Capital One Auto Finance Credit Bureau as well on XX/XX/XXXX and I decided to copy same to the CFPB as all my efforts for months have not been given attention by Capital One Auto Finance.
I wish you can help me get an explanation from CapitalOne of who is at fault on this title issue, causing them not to cash the payment that was issued to them in XXXX, and them reporting me unfairly
|
10/31/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
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On Thursday, XXXX XXXX, my mother and I went into Capital One with a check to cash and to enter her safe deposit box. The teller cashed her check and asked her to stand by the door next to the safe deposit boxes. That is common practice. What happened next I certainly hope is not common practice. That same teller took care of the woman who came in after my mother did without opening the door. In addition, the other teller needed direction helping the person she had at her window, so my mother and I were still waiting. Now 2 people are being help ahead of my mother. I said, How about opening the door? With that, XXXX tells me to go sit down. I told him I will not sit down. He said he was going to phone the police. I told him to go ahead and do that. You could tell he was looking for revenge because apparently his ego was challenged and he didnt like that. He flew out of his seat. I can only describe it as a lineman charging me because I had the football near the end zone. My mother flinched because she thought he was going to hit her. He was trying to speak to me and I wouldnt let him, because there was nothing that he could say that would explain his behavior so I didnt want to hear it. He walked over to my mother saying she looked like a more reasonable person to speak to. He told her customers come first. My mother said, But I am a customer. He said, Thats it, Im closing your accounts and you cant get into your safe deposit box. I firmly believe that if I were a man and XXXX XXXX wouldnt have said a thing to us. That is a racially motived crime as well. XXXX isnt man enough to challenge a man if he challenges XXXX yr olds and XXXX yr old women. When I told my mother it was because we were XXXX, XXXX smiled brightly and the tellers laughed. Imagine that. Why do you think the tellers laughed? What is so funny about racism, bullying, elder abuse and intimidation?
My mother was ready to walk out but decided to turn around and stay inside. She was hoping that he would change his mind. He had NO intentions of changing his mind. He enjoyed the fact that she stayed because he was able to watch the entertainment of my mother getting confused and afraid of what he was able to put into her mind. Complete intimidation. My mother feared that if she left the bank he would be able to take her money, so she was afraid to leave. He smiled and grinned when hed seen what was happening. He loved it. So did the tellers. All at my mothers expense.
I was trying to get someone on the phone, but the wait time was 20+ minutes so I couldnt get anyone to help me. So the only thing I could do at that point was to get my mother out of the bank. My goal was no longer her safe deposit box, but was to get her to a safe place and convince her that he cant take her money. That took a long time. She still didnt believe me, but she didnt have a choice. She had to trust me at that point. Its very hard to convince an elderly person once they convinced themselves of what they believe to be true, no matter how much they trust you. There are no magic words to get through to them.
We left and went to a restaurant where I finally reached someone on the phone. The person called XXXX and told him we want to get inside the safe deposit box. He refused and told the guy that he was taking the box back and the only way she could get the contents was to return both keys and sign papers. That box is paid for till XXXX, XXXX. So not even with a call from someone else was enough to help my mother. There was no help for her. NONE!!! XXXX did not care about anyone from your office. He apparently felt it was his right to do what he did. His ego was over the top and challenged and revenge was all his at all cost.
This story is much longer because of what I had to do to convince my mother that he could n't take her money. I asked my detective friend to come with us to that same branch to close out her safe deposit box because my mother was afraid to go there with just me. There are only 2 branches of Capital One that my mother can get to and one is close in XXXX so she will be forced to go to that same branch to close her checking account once her direct deposits go to her new bank. I live in Arizona and she in New York. She ca n't go by herself. She thinks she needs to go with a man because she and I believe he wo n't challenge a man. Is that what my mother should be thinking of just to go to a bank? There is so much more to this story about the lasting effects this has had on her.
I did file a complaint with Capital One and I have to continuously contact them for updates and I get nothing but I will make sure someone calls you, then they never do. I get absolutely no information from them. I have written a letter to XXXX XXXX and he has also been contacted by the Better Business Bureau. Capital One has been contacted by the Comptroller of the Currency and still no reply. I believe they are doing nothing about this. This is very serious to me. Imagine if this was your mother or grandparents? I would like someone to have enough respect for our elderly to do something about this.
The attached is a detailed explanation of what happened now that I 'm thinking with a clear head and not with an angry one.
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08/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX.
XXXX, PA, XXXX I have attached all correspondence between the debt collectors, Capital One, and I.
Please be advised that in my initial communication I requested validation, and not verification. Capital One sent me a letter stating that the contact information used to open the account has been linked to me by public records. That is verification not validation, and that only means that this alleged account could have been opened by anyone. Capital One also sent over bank statements and an alleged charge that they assume was made by me, and that is also not validation. Anyone could have made those charges. Pursuant to 1692g no court nor debt collector can validate any debt, they can only assume that the alleged debt is valid. A belief or an assumption is not validation. Only I, the consumer who is a natural person, and the original creditor can validate this alleged debt. I do not validate this alleged debt, this alleged debt does not belong to me.
Capital One continues to violate my rights under the FDCPA by furnishing and communicating this alleged debt with their affiliates, and consumer reporting agencies. Being that Capital One has yet to provide any documentary evidence that bears my signature on it makes them in violation of section 1692c of title 15. They are also in violation of my rights under the FCRA because the furnishing of this alleged debt is not only a violation of my individual privacy, but also detrimental to my reputation and character as a consumer. Dealing with this alleged debt with the debt collector, Capital One has been extremely stressful and harmful to my mode of living. This is not only fraud, but also abusive practices as said so by congress under the FDCPA.
Using federal law please explain, who gave your company, Capital One, any right to decline the request of the consumer to change or remove any information from my consumer report? That is not up to you, neither is it your decision. Under the provisions of the FCRA, and the Gramm-Leach-Bliley Act, as a consumer I have the right to opt-out of the reporting of any alleged debt especially any alleged debt that is being reported without my consent. No consent is fraud.
I also never gave Capital One any prior consent to communicate this alleged debt with any person. Capital One violated my rights under section 1692c of title 15 when they communicated this alleged debt with the debt collectors, XXXX XXXX.
Capital One stated that these alleged accounts are currently in cease and desist. Pursuant to the FDCPA, communication is defined as any direct or indirect communication about an alleged debt. Capital One continuing to furnish this alleged debt to a consumer report makes them in violation of my rights as they are indirectly communicating with me about this alleged debt.
Pursuant to 15 USC 1692e, a debt collector may not use any false, deceptive, or misleading representation in connection with the collection of any alleged debt, this includes the false representation of any character or amount of any alleged debt. With that being said if Capital One alleges that I owe them any debt why is the balance showing a positive number and not a negative? If the alleged account is delinquent and I allegedly owe Capital One debt, shouldn't it show a negative balance?
Since Capital One alleges that the account is mine and the balance shows on the alleged statement and correspondence, a balance of {$1600.00}, a balance of {$790.00}, and a balance of {$340.00} that is all shown in the positive. This would mean that I should be credited in the total amount of {$2800.00}, since a debt collector can not falsely represent any character or amount of any alleged debt.
Also in the last page of correspondence sent by Capital One, regarding the alleged fraud investigation of an alleged charge by XXXX XXXX, it shows an address of XXXX XXXX XXXX. XXXX, PA, XXXX. I have never lived at XXXX XXXX XXXX, XXXX, PA, XXXX, and your company should know this being that your company alleges that you have linked the alleged account to me by public records.
As a consumer, a natural person, and the original creditor, I am demanding that the debt collector, Capital One do the following within 5 business days : XXXX out the balance of this alleged account ; Delete any and all references of this alleged account ; Remove this account from my credit file ; Issue a refund of the payment of {$340.00} that was made out of XXXX, duress, and harassment when Capital One unlawfully communicated this alleged debt to a debt collector without my consent ; Send me the total credit of {$2800.00} since the balances shown in the correspondence presented by Capital One are in the positive.
By law, notices from the consumer are official once received by the debt collector. If you fail to comply, as a consumer I will follow up with whatever action is necessary as you will be held liable for noncompliance under the Fair Credit Reporting Act, 15 USC 1692k, the Fair Debt Collection Practices Act, 15 USC 1681n, as well as the Federal Trade Commission Act as any violation of the FDCPA is also deemed as unfair and deceptive acts and practiced under that Act, and the Gramm-Leach-Bliley Act.
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06/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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On XX/XX/XXXX, I personally telephoned Capital One Financial to request assistance with placing my MasterCard account in a hardship program before falling extremely behind and past due. I certainly did not want to accrue unnecessary interest and finance charges especially while I am going through a very difficult time and such a severe financial hardship. I spoke to XXXX and carefully explained all of my details about my personal problems and issues that I have been experiencing and I hoped that just once Capital One would do the right thing and put people over profits but I was wrong. XXXX refused to help me claiming that there are no such financial hardship programs available that I could be enrolled in. I requested a different representative and was XXXX transferred to XXXX who basically said the same thing and claimed that my account can not be placed in any such programs. I requested a supervisor and was XXXX transferred to XXXX and after carefully explaining all the details of my personal problems and financial issues again XXXX claimed that my account does not qualify for this sort of account and that they do not offer these sort of specialized accounts and that I should call back on XX/XX/XXXX, to see what available programs or accounts that I might qualify for. I seriously do not understand the lack of prompt and professional attention and/or the lack of assistance.
I explained that my husbands social security was reduced drastically because they feel he was overpaid {$91000.00}, and they have deducted a huge amount from his monthly payments. My husband filed an appeal and request for reconsideration in XXXX, XXXX but has not received a reply or decision. It did not help that previously my husbands workers compensation payments were reduced {$400.00} per month. Due to the pandemic my second job and huge second income was completely lost due to the New York State mandatory closures and shutdowns.
In XXXX during the pandemic our landlord of 18 years advised us that he was selling our home. He promised to help us with all necessary moving and relocation expenses but unfortunately reneged once he was given the costs for a moving company and all expenses for moving and a storage facility. He also reneged on the deposit for the new rental and the return of our security deposit. He made our life a living XXXX shutting off the electricity and the water making it impossible to live and stay there. It was also extremely difficult to find a new place to live with all the mandatory closures because of the pandemic.
To add insult to injury my husband was diagnosed with XXXX in XXXX, XXXX. The monthly doctor appointments and testing is not cheap and sometimes my husband has to make a decision whether or not he will keep the appointment or pick up his medications and it is extremely difficult to watch my husband suffer so and there is nothing I can really do about it because we do not have the money. It truly hurts to see him suffering without his medications and his XXXX treatment.
In XXXX, XXXX our oldest son was driving his younger brother and had an accident and they were both rushed to the emergency room during the pandemic. We thank God that our boys did not suffer any serious injuries or problems and are safe and sound. Unfortunately my husbands truck was a complete loss. This only added to our stress and aggravation because we do not have any money to replace my husbands truck that was paid in full and had a great deal of aftermarket accessories.
In XXXX, XXXX, our oldest son was operating my Mother in laws vehicle and was hit into the wall, spun around and hit the guard rail. The car that hit him took off and our husband was taken to the hospital for observation and released. Thank God he walked away again without a scratch. Unfortunately this accident caused a great deal of stress and aggravation because it was my mother in laws car and was a total loss. My Mother in law is in a fixed income and does not have the finances to purchase a brand new car.
These are just some of our issues and problems and with the loss of considerable income from him and I, it just makes it that much more difficult to live and survive. Every month for the past three years the Internal Revenue Service automatically withdrawals {$50.00} from my account to pay our old tax bill from XXXX and we still have to address our new tax bill that is also owed.
We applied for help with numerous state and government agencies but once they look at my income they think I make a windfall of money but yet we can not afford the current market rents of over {$2700.00} to {$3500.00}.
Its truly embarrassing, demoralizing and agonizing that we never asked anyone for help with taking care of ourselves or while raising our XXXX boys and now that were much older and actually need this help that were simply turned away. Its certainly not right or fair and I cant believe that Capital One would not lift a finger to help us or direct us to the appropriate department or division that can help us with setting up our accounts with automatic minimum monthly payments that we can afford with XXXX interest rates, like other creditors have done for my husband these past year and half.
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09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX FUNDING ( Original Creditor : XXXX CREDIT ONE BANK N A ) XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
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07/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I, XXXX XXXX was a long time loyal Capital One Bank and credit card customer for years.
XXXX XXXX and XXXX are married. When my wife XXXX XXXX XXXX retired she scheduled her retirement checks to be deposited to my bank account for me to manage.
On XX/XX/2022, XXXX XXXX XXXX the account holder attempted to initially withdraw only {$4000.00} of the {$22000.00} pension deposit.
Previously-on my XXXX Capitol One texted that the funds were available ( I still have that text ) but when I arrived at the capital One branch in XXXX I was informed that the account was frozen and that I was not allowed to withdraw the funds.
I attempted several times to inform the clerk XXXX that the money belong to my wife, I was then directed to call my wife on XXXX while the clerk was on the phone with the Capital One fraud department.
At the time XXXX was at XXXX XXXX attending to my XXXX XXXX father who passed away shortly after, she was asked on XXXX by the Capital One clerk to come in to the branch to verify the check.
My wife left XXXX XXXX in XXXX XXXX and met me at the capital one XXXX XXXX branch.
The very rude clerk named XXXX called the fraud department, XXXX was then asked questions repeatedly, questions far beyond necessary of what it takes to verify a check, XXXX provided all necessary IDs documents and answered all questions until she felt insulted and felt the questions were not necessary. For example the clerk asked why did she deposit the check into her husbands account and why didn't she have her husbands last name. All this was as after XXXX provided her name, her license ID and address and state ID, not to mention she was physically there in person within minutes as Captiol One requested. My wife stated to XXXX that she understood need for Capital one to verify the check but felt the extra questions was unnecessary but was still met with rude behavior. The clerk started speaking over my wife, XXXX XXXX XXXX was rolling her eyes and waving her hand in the process which was very unprofessional. My wife recorded the conversation as the clerk continued to be rude by cutting her off, not letting her speak, looking over her and speaking to me when they were the ones who asked my wife to come down to the branch. XXXX has a full XXXX minute recording of the situation and it also proves that I was never abusive and aggressive as Capitol One stated yet my account and Credit Card was unjustly canceled and I was also sent a very disturbing letter from Capitol One stating that he was aggressive and rude. There is nowhere in my wife 's recording or bank recordings that show I was ever being aggressive or rude which would've been grounds for them not to even complete the deposit in which they did.
I was unjustly targeted, my account was unjustly closed and I was basically accused of fraud by the constant repeated questions after the clerk verified the check more than it should have been verifed. My account was closed without even getting my side of the story or finding out what happened. I was actually on the phone waiting to speak to a supervisor to make a complaint about the clerk during the entire transaction.
I withdrew all my funds from my account only after seeing the way my wife and I were treated XXXX and I felted humiliated, we were treated like we were thieves, we were not believed after they verified the check.
XXXX the way my wife and I were treated I certainly do not want my account back nor do I want my credit cards back. I would simply like an apology from Capital One and I would also like the letter to be removed from my account and history because I was not aggressive or abusive. ( please request their video ) The letter sent to me is slanderous and my wife and I are are insulted by the situation. We can prove that they were not aggressive by me being a long time customer and never giving Capital One any problems. We can prove we were not aggressive by XXXX 's recording. XXXX is a retired professional and I have a professional career, we had nothing to gain by being aggressive or abusive while trying to check out our own money.
My wife plans XXXX all the attempts to get this resolved, she plans to contact media and other resources, such as lawsuits that are filed all over the country for discrimination against Capital One, Showing them how we were unjustly treated, especially closing my account. Capital One never took the initiative to to hear my side of the story and back their teller XXXX when all they had to do is watch the video from XX/XX/2022.
Please note that this branch has the lowest star rating of all of the Capital One Branches.
XXXX cancelled my account and credit cards has given me a negative credit report, caused late fees with my automatic bill pay and my IRS check was returned back to irs.
Please help and do not let them get away with this just because I'm XXXX average banking customer. please note that capital One bank is telling complaint agencies that they do not recognize me as a customer that maybe because they closed my account and they Will not answer because you are not the account holder but when I filed a complaint as the account holder they do not answer, which is cowardice tactics.
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12/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Talked to CFPB previous representative, told them I would call Capital One to verify XXXX XXXX XXXX as their debt collector. I asked Capital One representative do they have any debt collectors that represent them. She acted like Capital One collects their own, but wanted to transfer me to a dept. to handle collections. I just wanted to know did they hire out collectors for them. When transferred to the dept. I asked them the same question. They did n't want to answer the question. Then they finally said we have many but would n't say who. I asked if XXXX XXXX XXXX were one of their debt collectors. They said they are an attorney and did n't want to say they were debt collectors. I asked if they were theirs, she said they were collectors but would not say they were their collectors. Just that they are attorneys for them. Seems deceptive to me, why would they try to hide or avoid answering the question if this was their debt collector. The way she made a point that they are attorneys felt like a threat to an account holder with legal action as if a crime was committed. She insisted on getting all my personal info to pull up my personal account, she knew I must have an account. I did n't need to look at a closed account just needed question answered. I was treated like I did something wrong, I had a right to know if XXXX XXXX XXXX was their debt collector.
I told CFPB representative I 'm complaining about the account number presented to them. Capital One has XXXX as the original account where the {$1200.00} charge/complaint began but this is deceptive. Account XXXX did n't exist when charges began XXXX/XXXX/XXXX. I filed with them in XXXX/XXXX/XXXX a case of fraud on account XXXX where the {$1200.00} charge/complaint originated. The contract they used from merchant about hourly wages was paid for and was no longer in effect but cancelled by payment with XXXX XXXX credit card. Payment was made upfront and contract now void. Capital One does not acknowledge since contract was paid for, another one would need to be made. New agreement was made with account XXXX but with different verbal instructions : He agreed he would get small payments as services was performed. No upfront charges but smaller payment instructions. Otherwise merchant would have charged {$2200.00} on card XXXX. There was a problem with communication with merchant. On XXXX/XXXX/XXXX tried contacting merchant about already paid for services not performed and merchant did n't return phone calls and emails. Had no choice but to inform Capital One of the situation because merchant did n't do what was instructed earlier. The billing by merchant on first agreement also in question and an explanation of charges was in question. Compared with my records of conversations did n't match hours recorded by merchant. Merchant did n't return calls to answer these inaccuracies. Although, there was a new agreement I informed Capital One merchant did n't return calls and when he finally did it was late and that was XXXX/XXXX/XXXX. Told them I had to fire merchant and revoked new agreement and authorized a different amount to be paid merchant as last payment. That amount was XXXX Merchant if disputing this amount was to prove services billed before XXXX/XXXX/XXXX. Instead he gives billing for services in the month of XXXX/XXXX/XXXX while he was fired. There was an attempt to charge my account XXXX in XXXX/XXXX/XXXX {$1200.00} but that was disputed XXXX/XXXX/XXXX. Did n't see attempt and when statement came it was n't a recognized amount authorized by me to merchant and since XXXX/XXXX/XXXX communication was n't good between us I eventually had to inform Capital One about getting rid of merchant on XXXX/XXXX/XXXX. Merchant claims credit fraud by me which is ridiculous. There is no poof of fraud on my part. Neither did I tell merchant such things. I reported fraud on original account XXXX on XXXX/XXXX/XXXX which was the account for our new agreement. Capital One has to believe I committed fraud to side with merchant. Capital One went as far as transferring disputed amount on account XXXX to account XXXX based on merchant comments. This is not reported to the CFPB.
At best Capital One and or third party debt collector should not be able to collect on debt that originated on account XXXX. Account was under fraud and supposedly taken care of and closed. Account XXXX did not exist and was n't subject to any contract or agreement. Capital One transferred disputed debt from XXXX to new account XXXX when account came into existence after XXXX. This was not authorized. If account XXXX had existent debt it should have went into collections if not paid and debt was legit. I did not authorize XXXX as replacement for XXXX either. Account was closed and a new account was given me due to fraud on XXXX. I did not authorized transfer and disputed charges for over a year. Account XXXX did n't really receive the {$1200.00} charge until XXXX XXXX XXXX approx. 4 months after dispute filing ) while it was closed XXXX/XXXX/XXXX with final payment stating account is now fraudulent and I will not be sending payment for non authorized transfer charges. Resolution : cancel all collections on these closed accounts.
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12/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I have two complaints : ( 1 ) Deceptive advertising ( 2 ) Capital One is refusing to let me know what my balance is and debiting from a checking account I do not authorize.
1.Capital One conducts periodic account reviews. XX/XX/2018, is my twenty forth month of on-time payments. As a result, Capital One increased my credit limit automatically ; I did not ask for a limit increase. However, Capital One informed my card is restricted and it can not be used until all of my authorized users mail a copy of their drivers license and social security card.
I currently dont have any authorized users and believe this is cumbersome because I use to have 7 authorized users a few months ago ( I requested to have my authorized users removed in XX/XX/2018 ). The representative said I still need to have my authorized users verify their identity because they want to make sure they consented because it affects their credit. The agent further said its mentioned in my card holders terms and condition insert.
However, Capital Ones website promotes the use of authorized users and has an entire page dedicated to the promotion. Their websites states : ( highlighted in relevant part ) Together, you can maximize your cards benefits.
What is an authorized user? An authorized user is someone you add to your account without any additional application or credit check. They'll get a card with their name on it and share your line of credit. As the primary cardholder, you'll still be responsible for all charges and, if you have a rewards card, you'll earn on every dollar they spend.
Ready to add someone to your account? It only takes about a minute : Tell us their name, phone number, Social Security number, and date of birth. Double check the info is correct. Thats it! Well send you a card for them to start using right away.
Also, I read the totality of their online terms and conditions, additional disclosures, and Patriot Act Certification. The word authorized user is not mentioned in all three online disclosures ( press Ctrl+F to search by key word ).
I believe this is deceptive advertising. Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertising must have evidence to back up their claims ; and Advertising can not be unfair.
According to the FTCs Deception Policy Statement, an ad is deceptive if it contains a statement- or omits information- that : Is likely to mislead consumers acting reasonably under the circumstances ; and Is material- that is, important to a consumers decision to buy or use the product.
Capital Ones website is misleading because they omit information that is vital and relevant to authorized users. I was lead to believe adding authorized users only takes a minute and is easy as 1,2,3 as their website promises. And this was the case at first, until now, I need to have 7 of my previous authorized users photocopy and mail their drivers license and social security card to a company they don't conduct business with and do not feel comfortable sending in copies of their personally identifying information in an era of the XX/XX/XXXX, XXXX, and XXXX XXXX XXXX breaches and fraudulent activity conducted by XXXX XXXX employees ( opening accounts in customers names without their consent or knowledge. ) If Capital One placed a disclosure on their website or on their online terms and conditions then this would be fair, however, this was never informed to me until after the fact.
Second complaint : 2. I called Capital One on innumerable occasions, and they are refusing to tell me my current balance. It is relevant to know my account balance in order to make a proper payment. Capital One is also refusing to confirm payments I recently made. I need to know what payments posted in order to know my new balance. I want to make my payment in full but I am not able to do so because they are refusing to let me know my balance.
Also, a manager names XXXX, gave me an erroneous balance ( on XX/XX/2018 ). He told me my balance was {$470.00} which is not possible. My balance was around {$500.00} the month before, however, I made two payments for the month of XXXX ; first payment for {$35.00} and second payment in the amount {$100.00}. I have not made any new purchases and do not have any recurring charges with any merchants. It is improper for a financial institution to refuse to let the consumer know their account balance. I have a right to know in order to make payment.
Also, I called Capital One on XX/XX/2018. I informed the manager I became aware Capital One debited my XXXX XXXX checking account on my due date ( XX/XX/2018 ) for {$35.00}. However, I already made a payment for my XX/XX/XXXX billing cycle for {$130.00}. My minimum due is {$25.00}. There's no reason to debit my checking account when I made two manual payments over the phone using my XXXX XXXX account. I told the manager I no longer consent to any autonomic bill payments from my XXXX XXXX account. The manager egregiously said he can not do anything about that. This is clearly illegal.
Please be advised, I had this account for two years and never had a late payment or missed payment. I am considering filing suit.
|
08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
Attention : Consumer Financial Protection Bureau I am submitting a complaint against Capital One Bank, based on numerous attempts to have my Name/SSN removed from my Ex-Wifes credit card account, which was awarded to her in our Marital Divorce Decree, signed on the XXXX of XX/XX/XXXX.
During the process of our divorce while serving on XXXX XXXX in XXXX, AK, I was verifying the amount of our marital debt by running a free annual credit report. On the credit report I noticed a Capital One Account that I was not aware of. Upon contacting Capital One, I was informed that I was a Co-Applicant on this account. I stated that I never applied for this charge card account and never have I ever had possession or made any charges. I was informed that they were willing to make an exception by submitting a letter to the credit bureaus to restore my credit score.
After retiring from the XXXX in XXXX of XXXX, I moved to my hometown of XXXX, LA. It wasnt until XXXX of XXXX, approximately four months after my divorce date, I ran another free annual credit report. I realized my Name/SSN was still attached to this account after my Credit Score plummeted from XXXX to XXXX. Once again, I requested Capital One to send letters to the Credit Bureaus to have my ex-wifes delinquent payments removed from my credit score. Once again, my score was adjusted.
In XXXX I was wanting to purchase a home, and once again I discovered after running another free annual credit report, my credit score plummeted. I called Capital One and spoke with multiple Representatives trying to rectify this matter, to no avail I was unsuccessful in getting Capital One to write anymore letters to the Credit Bureaus. Although my score was low, I was however able to qualify for a VA Loan.
I once again I contacted Capital One in XXXX of XXXX requesting them to remove me from this account. I was instructed to submit a letter stating my request for removal from this account ; reasons for the request ; the final certified copy of my Divorce Decree, along with a printed copy of the Credit Bureau Payment History report. Needless to say, since I submitted that letter along with the requested documentation, no action was ever taken to permanently remove me from this account. After not hearing back from Capital One, I reached out again in an attempt to rectify my situation.
I spoke with a representative where he offered to reduce the amount my ex-wife owed on this account, if I was willing to pay the balance of the account, and that he would submit letters to the Credit Bureaus to restore my credit score. I informed him that I would need to speak with my current wife prior to making this final payment in full.
Unfortunately, this came during a time of corporate downsizing and forced shutdowns due to COVID-19, which made it impossible to financially afford to pay off my ex-wifes debt.
In XXXX of XXXX, I offered to pay the balance owed on this account if they were willing to submit letters to the bureaus as they did in the past. I was just pawned off onto the Credit Bureaus, as if they were going to make adjustments without the consent of the Credit Card Company. As expected, I was only referred back to Capital One Bank. I personally closed this account to prevent higher balances in the future, only allowing my ex-wife to make payments in order to zero this account out. However, my ex-wife was actually able to pay off this account due to a large inheritance, but refused to and still today continuously makes delinquent payments.
As noted above, Capital One Bank submitted numerous times letters on my behalf to all three Credit Bureaus requesting the removal of the delinquent payment history so that my credit score would be restored. Each time my credit score was returned to its unblemished rating, only until the payments were once again delinquent. Within the past two years I have tried countless times to have Capital One Bank continue to submit letters, but to no avail they now refuse to accommodate. Prior to each and every conversation, Capital One informed me that our conversations were being recorded for quality assurance.
As advised by your agency, I am respectfully submitting this request to your office and pray that you will be able to assist me in completely removing my association in every aspect from this account, to include letters being forwarded to the Credit Bureaus to restore MY previous Credit Score. I have found that Capital One Bank chooses to be the only financial institution that does not accommodate consumers with such requests, especially those that are court ordered. I was however able to remove my ex-wife entirely from the two credit cards I was awarded through our divorce, which had paid them in full.
Finally, I have attached all documentation previously requested and submitted to Capital One Bank for your convenience and request your prompt attention and support. I anxiously await your response in this matter.
Please feel free to contact me if you have any questions or concerns.
I am currently attempting to apply for a line of credit, and due to my current credit score the interest rate is extremely high.
In kindest regards, XXXX XXXX XXXX
|
09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
In XXXX 2016, I was in a position where I needed to acquire another vehicle for my family and was contacted via email by Capital One soliciting an automatic pre-approval for an auto loan for up to {$25000.00} at any participating XXXX dealer. Since I already had a fair experience with their credit card services, I decided to utilize this offer and went to the nearest XXXX location which was XXXX XXXX of XXXX, MD located at XXXX XXXX XXXX, XXXX MD XXXX. I staff involved included XXXX XXXX XXXX ( salesperson ) and XXXX XXXX ( finance manager at the time of purchase ). When I was working with XXXX to purchase a XXXX XXXX XXXX ( because part of the requirements for the pre-approval was that the car had to be a new model ) I was informed that my interest rate was 22.99 %. When I asked why the interest rate was so high, I was told it was because of my credit score. My credit score at the time was ~545. I was informed that refinancing was a possible option in the future and since I was in desperate need for a car, proceeded anyway. After three months of timely payments, I encountered monetary hardship and was looking for a solution ; so I returned to XXXX in search of seeking help and cancelling my extended warranty to pay down some of the principal value of the car. I cancelled my warranty successfully but when I mentioned that I was concerned about the terms of the loan, I was informed by the new finance manager that it was out of their hands since the transaction was already completed and I needed to take it up with Capital One.
I then contact Capital One, inform them that I was concerned about the terms and conditions of my loan and asked them for help. They informed me that I should go online and apply for refinancing with them, look for participating dealers in my area and see if they will accept a trade-in of my XXXX XXXX to remedy the situation. Following their advice, I researched various dealerships from their approval list and coordinated visits with 9 of them. This resulted in denial by all of them for ANY auto loan or refinance from any financial institution, including Capital One. No dealership was willing to assist me due to the financial loss their business would incur facilitating a refinance. I called Capital One back to inform them that their advice was misleading and the representative stated to me that they didnt know why the last person told me that because Capital One does not refinance auto loans that were originally financed through their bank and apologized for the inconvenience.
Since this occurrence, I have been in consistent communication via phone with Capital One and have asked for assistance with a resolution to this problem but I have not been successful. After feeling like I had exhausted all options, I even worked with them to establish a payment plan and a 90 day catch up. Every time I would call to make an additional payment, each representative informed me that my updated balance was now higher than what it was before and when I would request that information in writing they did not provide it to me. How am I able to ever catch up if each Capital One representative tells me that I owe a different amount? When I speak with their representatives, I never get presented with viable solutions but they are very adamant about contacting me harassing me numerous times every day ( including weekends ), leaving unprofessional messages stating that I am deliberately avoiding their phone calls and even having the repossession company call my job looking to apprehend the vehicle. It is not a coincidence that every time a new hard inquiry was made at a dealership in my search of an approval, Capital One made sure to ramp up their collection phone calls to me. All of the information Ive stated in this complaint can be verified via Capital One phone records recorded for quality assurance.
The total purchase price of this XXXX XXXX with the astronomical interest rate of 22.99 % is $ XXXX-the average price of a luxury vehicle. I later was informed by another salesperson at one of the Capital One approved refinance dealerships that based on my original credit score at the time of my application, the interest rate should have been much lower, which ( in conjunction with my experience so far ) made it very clear that I was a victim of predatory lending. I also later learned that my loan was structured as a front-loaded secured simple interest loan which I was not informed of at the time of purchase because I would not have consented to that. This has made it impossible for me to afford this loan and pay it down rapidly and successfully. Trying to remedy this situation that was supposed to help build my credit has instead resulted in 18 hard inquiries on my credit report within the last 7 months and extreme financial and emotional distress. The terms and conditions of this loan and the actions of the staff at Capital One and XXXX XXXX of XXXX have severely decreased my credit score which has prevented me from access to additional solutions that may resolve this issue because my debt to income ratio is too high to qualify for a personal loan, refinance or the purchase of a home for my family of XXXX
|
07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
On XX/XX/2023 I attempted to pay the balance of {$3200.00} due on my Capital One Savor credit card. I used the blank check provided on the bottom of the statement, detached it as instructed on the statement, and mailed it to the address provided by and instructed by Capital One along with my tender ( letter of instructions for Capital One so they knew what to do with the payment ). In addition to the payment and tender enclosed in a secure envelope, I provided a printed copy of Federal Reserve Act Section 16, 2. - which notifies Capital One of my right to provide a tender along with my payment.
The envelope described above was mailed directly to the Capital One billing department.
In addition to the secure envelope and its contents described above, I sent a second envelope on XX/XX/2023 directly to Capital One headquarters addressed to their Chief Financial Officer, XXXX XXXX. This letter included the following : - A copy of the same payment sent to the billing department.
- A copy of the same tender ( letter of instructions ) sent to the billing department.
- A copy of Federal Reserve Act Section 16, 2. sent to the billing department.
- And a copy of a notarized California Durable Power of Attorney.
Both secure envelopes described above were sent certified mail with a certificate of service ( PS form 3811 ) through United States Postal Service. Both envelopes were delivered and signed for ; one on behalf of the Capital One billing department and the other by agent on behalf of XXXX XXXX XXXX. I know this because I have the signed certificates of services from both envelopes in my possession.
In my tender, I instructed the XXXX, XXXX XXXX to communicate in writing within XXXX business days once the payment was applied.
Not only did XXXX XXXX XXXX and the billing department fail to respond in writing within 5 business days ; they completely ignored me ( the Owner/Director of the account ) and they failed to apply the payment which was sent to them.
On XX/XX/2023 I made a second attempt to pay the {$3200.00} balance due by sending another secure envelope with the same contents described above inside of the envelope and sent it to the billing department.
This time, I included a printed copy of Federal Reserve Act Section 29. Civil Money Penalty; attempting to notify Capital One that they are officially in violation of ( b ) Second Tier - breach of contract to perform any fiduciary duty.
On XX/XX/2023 another secure envelope with the same contents was sent to CFO, XXXX XXXX XXXX again by certified mail with a certificate of service. This time, I did not include the Power of Attorney as XXXX XXXX XXXX is already in possession of the first copy I sent. Instead, I included a copy of Federal Reserve Act Section 29. Civil Money Penalty, attempting to also notify XXXX XXXX XXXX that he is in breach of contract for failure to perform fiduciary duties. In addition, I highlighted that the breach was part of a pattern of misconduct as he failed to respond to my first letter of instructions.
The second set of letters described above, were delivered as I am in possession of both signed certificates of service proving that the Capital One billing department and Chief Financial Officer, XXXX XXXX received my second attempt to pay.
Once again, Chief Financial Officer XXXX XXXX and the Capital One billing department failed to respond in writing within 5 business and they failed to apply the payment for the second time.
On XX/XX/XXXX I received 2 separate letters of communication from Capital One. The first, was notifying me that Capital One has closed my Capital One Savor credit card account and stating that activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. The closing of the account was NOT requested, authorized, or directed by me.
The second letter was identical to the first except its contents notified me that Capital One has closed my Capital One Quicksilver credit card account as well. The closing of my Quicksilver account was NOT requested, authorized, or directed by me either.
On XX/XX/2023 I made a third and final attempt to pay the {$3200.00} balance due on my Capital One Savor credit card account. I followed the same procedure described in my first and second attempts to pay. Again, I used certified mail with certificates of service for each instrument of communication sent to the same persons- the Capital One billing department and directly to the Chief Financial Officer - XXXX XXXX XXXX.
The only difference of the contents of the third set of envelopes for my third attempt to pay was, I highlighted ( c ) Third Tier of The Federal Reserve Act Section 29. Civil Money Penalty, attempting to notify the Capital One billing department and CFO XXXX XXXX XXXX that this third and final attempt is a " Notice of Default - Breach of Contract ''.
It is now XX/XX/XXXX and I have yet to receive any response to my third attempt to pay.
On page 5 of the Credit Card Agreement for Consumer Cards in Capital One, N.A., it states verbatim, " This Agreement is governed by applicable federal law and by Virginia law ''
|
08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
We changed our autopayment from Statement Balance to Minimum Payment which would have required no further action on our end. But because we did it " within 48 hours of the payment due, '' they still attempted the transaction. I then called up the credit card company, XXXX XXXX, to alert them to the error and the assured us that they will not be making additional attempts to take out the payment. THE NEXT DAY, on XX/XX/XXXX, they made an unapproved ACH transfer out of our checking account which not only took out every XXXX we had, but it put us {$500.00} in the red, with hundreds of dollars of payment rejection fees from our other accounts. We finally got this settled and it took them over TWO WEEKS to refund the money even though we were told it would only take 3-5 business days because they " forgot to put the request in. '' In the meantime, every single payment we made got rejected and caused us a fee because there was no longer any money in there due to the unapproved transaction.
The moment we got the money put back in we made a {$2500.00} payment to Capital One, 14 days late, to make up for the rejected transactions which was WELL OVER our minimum payment. We then find out today XX/XX/XXXX, that the account that has been in good standing for 4 years has been CLOSED. Our credit score dropped over XXXX points. Capital One says there is nothing they can do for us, even though they acknowledge that we have not missed a single payment on anything for over 4 years including never being late them with. They tried to fix the issue due to the evidence provided and agreed that we did not make a mistake and it was pretty obvious there was an error and a fraudulent transaction done in our checking account because we have not missed a payment in nearly 4 years. Their " appeal '' was a 3 minute " Hard No '' from a computer with no supervisor to speak to.
I don't even want to have the account opened back up. They don't deserve to make a another XXXX off of us or the business we use the card with. I have no problem paying them the entire balance. All I care about is ONE thing ... my fiance and I 's credit score. We have a XXXX year old, a wedding next month, and we were planning on buying a house. Which will now be IMPOSSIBLE because our credit score dropped over XXXX points all due to a fraudulent transaction that we told XXXX NOT to make and they assured us it would not be made.
The Capital One " manager '' acknowledged that this is not our fault but because of their " computer algorithm '' there is nothing they can do. This is unacceptable. If they admit that we did not make a mistake, and we had over {$7000.00} taken out of our credit account without our permission, how is there no process in place to be able to report this correctly to the credit bureau? It now shows up as a 7-8 year old credit account ( my fiance 's longest open account ) that was closed by the company due to a " business decision. '' Our lives have effectively been ruined because I was an authorized user on the account so it hurt us both. It is the middle of a pandemic, my father passed away, we have to move right after our wedding next month, and now we have a XXXX credit score when we were saving up and working our hardest to improve our credit score and getting it well over XXXX.
The fact that Capital One has no safeguards in place, no phone call, no email, no letter, no nothing to either of us who are on the account is INSANITY. The account and all of our accounts have been in perfect standing for the better part of 4-5 years until this happened. If they acknowledge there was an error how can it not be fixed????? I understand I can not make them open the account, nor I do not want them to at this point. But it is completely unacceptable and flat out WRONG to punish us for something we have no control over. Something has to be done about this company and our situation. We haven't had a payment late in years but because a payment gets returned and WE MAKE A PAYMENT MERELY 14 DAYS LATE THEY SHUT OUR ACCOUNT DOWN AND RUIN OUR CREDIT?????
My fiance has had this card since it had a {$100.00} a limit and we have worked our way to have that increased over the years to nearly {$4000.00} only to have our financial future crushed by the bureaucracy and stupidity of Capital One in the middle of a pandemic. Our minimum payment was about {$30.00}, and we paid {$120.00} ( which mind you was already paid at the time of the failed payment ). Why would we pay {$2500.00} the moment we the problem fixed, only to have the account shutdown and our credit scores destroyed????
I am sorry if this complaint is tough to read but I am literally shaking right now and it is tough to put my thoughts together.
I have attached 3 pictures because this is all they need to see for this to make sense. 1 ) The payment taken our when it should not have been.
2 ) The EXACT amount being returned to our account 2 weeks later and us making a payment to Capital One THE VERY DAY the money got into out account ( which was a Saturday XX/XX/XXXX, so it didn't post until Tuesday XXXX ).
3 ) The payment showing we made our minimum payment already in the billing cycle.
|
09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
By way of background, I had a subscription with XXXX in the spring. I canceled that subscription with XXXX, and XXXX sent emails confirming cancelation of the subscription and, further stating that they would turn off auto renew so that I would not be charged when the subscription ended on XX/XX/XXXX.
HERE IS MY COMPLAINT : On XX/XX/XXXX, XXXX charged my credit card for {$150.00} without my authorization and despite the fact that I had already canceled my subscription which XXXX acknowledged in writing was canceled. On XX/XX/XXXX, I called XXXX to try to resolve the issue on my own but XXXX refused to refund the {$150.00} which they fraudulently charged to my account. I called Capital One to explain that XXXX charged my account without authorization. I was told by a Capital One representative that I needed to open a claim for fraud. Capital One closed that account and sent me a new card. Capital One sent a letter on XX/XX/XXXX telling about how they would investigate. Im providing a copy of Capital Ones XX/XX/XXXX letter.
Subsequently, I received two letters from Capital One, both dated XX/XX/XXXX. One letter advised that the investigation was resolved and that if the merchant does resubmit a charge, they would notify me with a request for additional information ; the other letter ( same date ) stated that after researching, they found insufficient evidence of fraud. Copies of both of these letters are provided for your purposes. Upon receiving these letters on XX/XX/XXXX, I telephoned Capital One to ask how I benefitted from the transaction. A representative told me that the fraud case was closed and that I needed to file a dispute. I did that over the phone and was told that, if additional information was needed, I would receive a request for additional information in the mail.
I subsequently received two more letters from Capital One, both dated XX/XX/XXXX. One letter states that its an update to my dispute for the XX/XX/XXXX XXXX charge of {$150.00} and that they have asked the merchant to respond to my claim ; that if the merchant provides a response, they will review it and theyll let me know if they need additional information from me. The other letter related to an update and gave additional information about their ability to block a merchant from charging my account except that it does not relate to recurring charges. Both of these Capital One letters dated XX/XX/XXXX are provided for your purposes.
On XX/XX/XXXX, I received another update letter from Capital One. I am providing this letter for your purposes, too. Im not sure which letter of XX/XX/XXXX they are referring to was sent in error because I received two.
On the same date, XX/XX/XXXX, I received another letter from Capital One dated XX/XX/XXXX regarding an update and requesting additional information from me which they said I could fax or mail to them. I completed their forms and mailed them back to Capital One, using my own envelope and postage because they didnt provide one and because I dont have access to a fax machine. I mailed the completed forms with a letter laying out the chronology of events and also provided true and correct copies of the emails from XXXX which I marked as Exhibits. The emails from XXXX clearly state that my subscription would end on XX/XX/XXXX ; acknowledged that I canceled my subscription, and they further stated that it would not auto renew. Basically, XXXX sent good-bye letters to me.
Today, XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX, with another update to the disputed XX/XX/XXXX XXXX charge of {$150.00} in which Capital One also said they are adding the disputed amount back to my account because they said I am out of time for disputing a charge. I called Capital One and spoke with their representative XXXX who acknowledged that they received my completed form and proofs on XX/XX/XXXX. She told me unfortunately I did not meet the deadline to dispute the claim. When I told her that I dont understand how thats possible since the charge was made on XX/XX/XXXX, she said that I need to send another letter to Capital One explaining that I am disputing the XX/XX/XXXX, charge and that I tried without success to resolve the matter with XXXX ( even though I thought I had already given sufficient detailed information in my written statements and their own letter stated that the dispute was for an XX/XX/XXXX charge ). ( Please note that the letter is dated the same day they said they received my completed paperwork and proofs. ) XXXX said she would send me a link where I can upload my letter so that it can be reviewed quickly ( so that the 60 day time period does not expire ). I am providing Capital Ones XX/XX/XXXX letter for your purposes.
I am sending the letter to Capital One as was requested of me but, at the same time, I am also filing this Complaint because I have been getting nothing but a run around from Capital One and don't expect to receive fair treatment. If they had read the information I provided in the first place, including the emails, they would see that XXXX is seeking to unjustly enrich itself. The credit card company is facilitating that embezzlement.
|
07/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
Complaint against Capital One XX/XX/XXXX IT HAS BEEN 3 MONTHS SINCE CAPITAL ONE HAS ADMITTED TO MAKING AN ERROR AND IT IS NOT CORRECTED YET. IVE SPENT NUMEROUS HOURS ON THE PHONE WITH PEOPLE WHO CANT ANSWER QUESTIONS OR GET THINGS DONE TO CORRECT AN ERROR THE COMPANY ADMITED TO MAKING IN XX/XX/XXXX. WE HAVE NEVER HAD A LATE PAYMENT OR BLEMISH ON OUR CREDIT AND DONT WANT ONE NOW DUE TO YOUR ERRORS AND LACK OF CONCERN TO CORRECT THEM. AT THIS POINT WE ARE READY TO CONTACT AN ATTORNEY TO TAKE LEGAL ACTION IF THIS SITUATION. Please refer to original CFPB complaint # XXXX | Capital One Case # XXXX XX/XX/XXXX -- Capital One acknowledged that they had made an error in our prior refinance on XX/XX/XXXX with ING ( now Capital One ) by not obtaining a subordination agreement from XXXX XXXX for our then second lien mortgage as requested. This error resulted in the XXXX XXXX loan sliding into first lien position and Capital One being in second lien position preventing us from refinancing with XXXX XXXX with a 3.75 % 30 year fixed mortgage. Capital One agreed to modify our current loan into a 30 year Fixed Rate at 3.75 % to correct this error AT NO COST TO US. XX/XX/XXXX We received, executed and returned the modification agreement sent to us from Capital One modifying our current XXXX ARM loan into a 30 year fixed mortgage at 3.75 %, with modified payments of {$790.00} beginning XX/XX/XXXX. We were told that they would sign and return the fully executed document to us and to continue to make our current payment of {$960.00} until the process was complete. We were told that they would do a principal reduction for any excess we have paid. We have ALWAYS paid our mortgage payment on time and continued to pay the XX/XX/XXXX and XX/XX/XXXX payment at the higher rate. Capital one booked these payments in a timely manner. XX/XX/XXXX I pulled our statement online and noticed that, not only has Capital One Reversed our XX/XX/XXXX payment but they are also showing a charge for a FC Title cost of {$220.00}! They are also showing us due for XX/XX/XXXX payment. REMEDY : 1 ) EXECUTE AND RETURN THE MODIFICATION AGREEMENT WE SIGNED ON XX/XX/XXXX 2 ) REFUND THE FC TITLE COST {$220.00} CHARGED TO OUR ACCOUNT AND THE OVERAGE WE PAID ( {$170.00} EACH MONTH FOR XX/XX/XXXX & XX/XX/XXXX PAYMENTS ) 3 ) POST THE PAYMENT YOU REVERSED THAT WAS MADE ON XX/XX/XXXX 4 ) SET UP THE ESCROW ACCOUNT YOU PROMISED TO SET UP DURING OUR CONVERSATIONS OVER THE PAST 3 MONTHS. Conversation log from XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX spoke to XXXX XXXX regarding Capital Ones error & remedy letter. I asked 5 questions. o 1 ) can the 1st & second be rolled into one, o 2 ) if not will Capital One subordinate at a later date to XXXX XXXX should we decide to refinance that as a 1st mortgage at a later date o 3 ) what are the payments on a 30 yr. fixed at 3.75 % o 4 ) can they set up escrows ( also one of our reasons to refinance ) o 5 ) what about the {$750.00} we had already paid on the loan that fell through due to their error ( appraisal and subordination request that never happened ) No answers he will get back to me XX/XX/XXXX spoke to XXXX XXXX , ANSWERS : 1 ) cant be rolled into one 2 ) NO ANSWER 3 ) NO ANSWER 4 ) yes they can escrow no information available on that though 5 ) NO ANSWER XX/XX/XXXX XXXX XXXX is still trying to get answers to XX/XX/XXXX questions and start process to modify loan XXXX/XXXX/XXXX XXXX XXXX confirmed payment with escrows will be $ XXXX paperwork will be sent out for us to sign XX/XX/XXXX spoke to XXXX XXXX he said the paperwork is in Legal being written since its a special modification ( to correct their error not due to default ) it should be ready by the end of next week ( XX/XX/XXXX ) XX/XX/XXXX spoke to XXXX XXXX document is not back yet will touch base next week XX/XX/XXXX spoke to XXXX XXXX document is written they still need recording info from XXXX County ( really!!! ) I advised him that our XX/XX/XXXX payment was now due again and that I was going to make it so we arent considered late. He said to make the payment and they would do a principal reduction for anything we paid over the new P & I. He said he would call XXXX County to get the information ( This should have been done back in early XX/XX/XXXX). -- -- XXXX XXXX called back and said he had everything from the County and was sending out the modification agreement for us to sign. He also advised that he was going out on leave for a while and that XXXX XXXX would be taking over XX/XX/XXXX received modification agreement XX/XX/XXXX returned notorized modification agreement in XXXX envelope provided XX/XX/XXXX XXXX XXXX acknowledged receipt of the modification agreement and walked it over to the modification team for processing he will call me on XX/XX/XXXX with update XXXX/XXXX/XXXX XXXX XXXX left a message stating he didnt have an update and would call back on Monday XX/XX/XXXX. XX/XX/XXXX checked Capital One site to see if modification had been done. Not only has it not been done, they reversed our XX/XX/XXXX payment, are now showing us due for XX/XX/XXXX and charged us a {$220.00} FC Title searsh TIME TO CONTACT AN ATTORNEY!!!!!
|
03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
Since the beginning of the ongoing XXXX pandemic, my family 's income has been reduced significantly, roughly by XXXX XXXX. I was able to keep things current up until a few months ago when I was struggling to make on-time payments, but was still considered current as these had not been reported to the credit bureaus at that time. However, since around XX/XX/XXXX, I have been struggling to make even a past-due payment. After making a payment, I would still have that current month 's payment due, which of course was not possible at that time. This left me constantly a month behind.
Capital One, as any financial institution is entitled to do, began calling me to inquire what was going on and if I needed help. Of course, I acknowledged this was the case and stated, explicitly, that I was in need of payment assistance.
This assistance turned out to be the waiving of XXXX month 's payment. I was told by the Capital One representative that this is only possible XXXX XXXX XXXX ( XXXX ) months. This was a pretty empty, low-effort offer by Capital One, but given my situation and the alternative ( of which there was none ), I felt compelled to accept the XXXX month skip, fully knowing that this would only postpone my situation until the next month, at which I would not be eligible to skip another payment.
After this XXXX payment skip, when I was still unable to make even a catch-up payment, I was contacted by Capital One again, before I could contact them myself, about the past-due payments. I once again explained my unchanged financial situation to the customer service rep, who informed me they have options for this kind of thing, XXXX of which was to skip XXXX month 's payment. Being an honest individual, I informed this rep that I had already received this once-per-year option and would likely not be eligible for it. I was then informed that we could make a payment plan, so the Capital One rep and I began that process. After a few minutes, I was informed that I do not have any payment plan options.
Capital One continues to send me emails asserting payment plans and/or the illusion of XXXX assistance, which is clearly going to be a false statement for some of their customers. I have asked a local attorney to look into if this is the case, and if so, if it makes sense to pursue recourse.
I have also requested multiple times the email address of someone at Capital One who can help me, but was told each time that there is no way to contact any customer support individual via email. If I XXXX, for a moment, provide some emotion-based feedback : that is absolutely the stupidest thing I have ever heard in my XXXX years, that I am unable to contact -ANYONE- at a company as large as Capital One via email. Absolutely pathetic for a corporation whose net income for XXXX was $ XXXX, a XXXX XXXX increase from XXXX, and with an annual net income for XXXX of {$7.00} XXXX.
All of this being said, I am more than happy to continue paying on my Capital One accounts, were I provided realistic, workable solutions. I have already informed multiple Capital One representatives of this, but a low-level support employee has little to no impact on those policies, if that rep is even employed by Capital One and not by an outsourced call center. Being that Capital One has displayed to me that they are unwilling or incapable of providing assistance to those customers wanting to continue fulfilling their payment obligations but can not, I am finding it increasingly difficult to justify continuing future payments, even if I were able to afford them. I need proof that Capital One is actually committed to their customers as they so tout in their marketing. In XXXX of XXXX, they received {$3.00} XXXX in XXXX XXXX XXXX funds, also referred to colloquially as a bailout. While these funds were paid back in full in XXXX of the following year, XXXX XXXX is that they were given these funds, essentially the funds taken from my parents and familys taxes, without a second thought, and without consultation or consent from the people from whom they so happily accepted those funds. Through regulatory capture, Capital One enjoys privileges which they do not even extend to their own clientele, and certainly not to those individuals at the lower tier of their client base. After all, why would the most vulnerable need assistance when their shareholders can gain a few more fractions of a percent in profits by ignoring those individuals?
In conclusion, I would like to state explicitly and unequivocally that I am seeking and requesting, once again and for the fifth and final time, a tangible, meaningful solution to continue fulfilling my financial obligations to Capital One. If they can not and/or will not provide this, then, unfortunately, I can not provide Capital One with the remaining payments and balances owed. It is as simple as that. Should these accounts go to collections, well, my credit was wrecked due to those and other financial difficulties over the past XXXX years, and really, honestly, can not get much worse. But that seems like a rather infantile outcome when another is so excruciatingly simple.
Thank you for your time.
|
10/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
I was behind on about 4 payments when I contacted Capital One to setup a payment plan. I called in XXXX once I received an email stating that if I did not pay the minimum balance due ( {$270.00} ) ( with late fees and missed payments ) by XX/XX/XXXX, my credit card would be closed. I then setup a payment plan with a representative from Capitol One to pay {$40.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no additional late fees to catch up to my past due ( although it mathematically does not ). I agreed to the terms of paying {$40.00} on set dates and informed the rep that I would pay the full past due balance of {$1100.00} in mid XXXX of XXXX. I then made a payment to pay off the full balance of the card on XX/XX/XXXX. In hopes to repair my credit and restore my payment history, I planned to make small purchases each month and pay of the balance prior to the end of my billing cycle for each month. I attempted to use the card for a {$20.00} purchase a few days following the full payment ( XX/XX/XXXX ) and was told that my card declined. I logged into my Capital One mobile account and saw a little message that I had not seen prior to paying the full balance stating that my card was restricted. After my card was declined, I immediately called Capitol one to ask why the payment was declined, once entering my information, the automated system stated that I had a current balance of {$0.00} with XXXX credit available. Once I got through to a rep, I was told by a representative that the payment was in a hold status and that she would have to contact my bank to see if the payment posted in order to allow me to use the card. She contacted my bank and my bank stated that the money was still pending overnight ( although the {$1100.00} was subtracted from my available balance ). The Capital One rep them stated that I would have to call back the next day once the payment posted. The next morning, I saw that the payment had posted and waited until about XXXX the same day to call Capital One. When I called Capital One, I was redirected to a rep because the first said that she was unable to contact my bank to verify that the payment posted. The next rep attempted to call my bank but my call dropped. I then called back and was speaking to another representative and was told he could not open it. I then questioned this statement because I was told my multiple people that all that needed to be done to lift the restriction was verify the payment posted ( I informed him of this ). He then asked me numerous times why do you want to use this card, what do you want to charge the card for. I felt uncomfortable with this question because I felt that he was getting into my personal business. After being asked over and over, I told him that there was no specific reason, I wanted to build my credit by making on-time payments. He then transferred me again. I then was transferred to another representative who said he would help me with the request. He stated that they had received the full balance but he did not know why there was a restriction on my account but would transfer me to someone who knew about the restrictions. I was transferred to a female rep who told me that the restriction could not be lifted. She also stated that some customers receive an offer to lift the restriction with a payment plan but because I did not, there was nothing that could be done. I then asked who was in charge of determining whether or not someone was eligible for a restriction lift and she could not provide that information, instead she avoided the question. I then questioned that with the given situation, isnt the account technically closed. She then denied the account being closed, rather it was just restricted, ( which to me seems closed ). After telling her that I was never informed that my account was restricted. She stated that it is on my statements. I looked at my statement and saw the restricted status but there was no additional information about the restriction and what it entailed. I was not informed that if I paid of the balance, my account would still be restricted. After explaining that I was unaware of this and felt tricked because they had received my money before informing me, I was transformed to a manager/supervisor. The manager stated that there was not much they could do and agreed that his team should inform customers of the restricted status. He also stated that the restriction policy began this year XXXX. This information is false because I have since read numerous reviews regarding this restriction status which date back to XXXX. I am very displeased with the service from Capital One. I informed them that I was having financial issues prior to XXXX and would pay off my debt to them in full in XXXX. The money that I used to pay my balance was all that I had and if I had known the consequences, I would have made smaller payments to become up to date and slowly pay off the card rather then use all the money I had saved up. I was falsely informed that the restriction would be lifted once they had my money, which was not true. I thank you for your time and hope there is something that can be done here.
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04/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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On Saturday XX/XX/XXXX I applied for a credit increase with Capital One credit card company and was denied. I have been a loyal Capital One customer since XX/XX/XXXX with a small balance of {$900.00}. This is the only credit card company that has never provided an increase to me on their own, or at my request. Over the years I have requested increases and have always been denied. This time the reason was : 1. Recent use of this account 's existing credit line has been too low On that same day I requested a credit limit increase with XXXX XXXX, and XXXX XXXX and in both cases was given an increase immediately on the spot of {$1000.00}. Mind you I am new to the XXXX since XX/XX/XXXX. I also applied with XXXX XXXX XXXX in XX/XX/XXXX, and I was accepted with a large balance and after 6 months received a {$3500.00} increase.
I decided to see if my husband who also has a two separate Capital One credit cards would be given an increase. I requested an increase that same day Saturday XX/XX/XXXX. He was also denied the credit limit increase stating : 1. Your Average monthly payment has been too low Today I applied for an increase on the second credit card and he was also denied with a second of hitting the enter button. Attached you will find all of the denial letters, and a picture of denial for today 's request. I'm sure a letter will follow in 2-3 days.
I decided to contact Capital One on Monday XX/XX/XXXX to give them an opportunity to explain why I am denied an increase, and review my credit card history with them. They could not provide what I feel to be a legitimate reason for denying my credit increase. I was then transferred to a Supervisor XXXX who really could not explain it either. I expressed to her that I feel discriminated because of my nationality. Why else would they deny the credit increase? I have a good lengthy credit history, my husband and I never make any late payments, my credit score is good. I just purchased a home in Florida 2yrs ago for {$230000.00}. However, more importantly why has Capital One never provided one single increase on their own or at our request in all those years. I expressed how after being with XXXX less than One Year we have received 2 additional credit increases. I checked and XXXX is considered one of the top 5 credit cards in the business.
As a matter of fact last year my husband contacted Capital One because we read they could combine the two accounts. They agent on the phone said absolutely they were allowing that, and then after she tried she told my husband it wouldn't allow her to do it.
When I expressed this concern to XXXX she wanted nothing further to do with this call, she wanted to transfer the call and escalate it. She transferred the call to the Executive Office in which I spoke with XXXX. When XXXX came on the line he immediately stated quote, " I understand you feel discriminated because your XXXX XXXX " end quote. I was shocked because I don't remember telling anyone I was XXXX XXXX. I simply stated because of my nationality. Because it certainly can not be due to my loyal and my husband 's loyal credit history. What's the coincidence the we were both denied credit increases on the same day with Capital One, and yet ACCEPTED with XXXX XXXX And XXXX XXXX. After 36 mins and 7 secs of which I still didn't have a conclusive answer I decided that I wasn't getting anywhere and ended the call. To which XXXX stated someone would be contacting me in 2-3 weeks to follow up. I'm not sure of what!
I feel very strongly that Capital One credit card company merits a review on their credit card practices in line with increases, possibly even new credit applicants with regard to Nationality. I feel over the course of all these years of being a loyal customer they only kept a quota for keeping a certain amount of minority names on their list. But never increasing limits, keeping people with Spanish names at a very low minimum balance as to not take any chances with higher limits even though we are worthy of the increases. Not because I say so, however because numbers don't LIE. Our credit history speaks for itself.
I have attached the two denial letters one for me, and the second for my husband. The third denial letter will arrive in a few days which I can submit later if you should need it. I have also attached the letters of Line of Increases that were approved. I am being completely transparent and have nothing to hide. I simply want to be given the same opportunity as anyone else. My nationality should not play a role. I worked hard all my life to build my credit to where it is today and I am very proud of my credit. I take care to pay my bills on time and and protect my credit so I can be given the same opportunities.
I urge you to look at this matter carefully and take a good hard look at the credit applications being approved the amounts as it relates to gender, and Nationality so everyone can truly be provided an equal opportunity.
If in anyway I can assist you further, please don't hesitate to ask.
Thank you in advance for your co-operation, and look forward to your due diligence in this matter.
Sincerely, XXXX XXXX XXXX
|
05/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Dear Consumer Finance Bureau : Thank you for taking the time to speak with me today regarding my concerns about Capital One closing my Platinum Card & Kohl 's Card accounts. Though I couldnt choose both options at the same time in this forum, this issue involves a credit card as well as a department store card being unfairly closed.
These accounts were in good standing. When I was able to speak with a Capital One representative regarding this matter, it was explained to me that my accounts were closed because Capital One found out I had a criminal past.
I began self advocating and researching all I could find online to help me resolve this issue and continue being a valued customer/consumer of Capital One.
Within my research I found that the CEO of Capital One ( XXXX XXXX ) has himself a criminal past. I'm not judging him. We all have a past that shouldn't define who we are. I have attached a copy of the headlines I read regarding this matter.
The following day, I received an email regarding several job openings from a site I subscribe to. Within one of those job postings was an ad stating that Capital One now hires people with a criminal past. I began to wonder why Capital One can have someone with a criminal past running their company, they can hire individuals with a criminal past, but they can abruptly close accounts at whim for anyone with a criminal past?
At face value, it is true that I agreed to the terms and conditions of having Capital One accounts. ( Platinum Card & Kohl 's Card ). However, when dissecting this power given to banks to pick and choose who they do business with, it appears to be discriminatory and biased to opt out of doing business with someone with a criminal past when your CEO has one, when you advertise you will hire someone with a criminal past, and your own institution 's mission statement ( photo attached ) states that, " Capital One was founded on the belief that no one should be locked out of. The financial system. We're dedicated to helping foster a world where everyone has an equal opportunity to prosper. '' Am I not part of those terms " no one '' & " everyone? '' Capital One was recommended to me by someone I befriended while doing time. He went home before I did. He explained that he started with a Capital One Secured Card and today is driving a {$50000.00} truck and has XXXX credit cards total all because Capital One gave him a chance. They gave me a chance too. I've attached to this email a copy of the email I sent XXXX XXXX when I found out my credit card had been closed. ( I hadn't received notice yet that they had closed the Kohl 's card as well ). As you can see in that email, I explained to XXXX XXXX that Capital One helped me go from a XXXX credit score to a XXXX. I remain appreciative. However, since they closed my accounts, I am now at a XXXX and the new credit score numbers haven't even posted yet.
This practice is discouraging on so many levels. I served my time and while I continue to fight my case, I feel it is best to put energy into rebuilding for a future rather than to concentrate on the past.
I feel it is important to note that I question whether or not a phone call I made to Capital One requesting to cancel a charge I had made was the catalyst for their investigation into my past and ultimately the decision to close my accounts. Briefly, I had called because I charged an online order to my Capital One account and paid an extra {$21.00} and change for expedited shipping. However, after placing the order I received a confirmation email from the company which also stated that my order would ship in 31 days. I tried to contact the company to no avail. So, I called Capital One to ask if I could stop the charge because the company I ordered from wasn't able to provide the expedited shipping I had paid extra for. While I disagreed with the Capital One Rep., she advised that I had to wait fo the charge to post before they could intervene. ( All of my research on this topic states that once a charge posts and has been paid it becomes more difficult to resolve ). Nonetheless, it was within days of me making that phone call that my accounts ( in good standing ) were closed. Capital One denies that phone call had anything to do with them looking into my past.
I am asking for your intervention to have my accounts with Capital One reinstated as they should be. As I previously stated, these accounts were in good standing. Per their own mission statement, I deserve the same chance as everyone else. I don't feel it should be up to a bank or any other business entity to continue to punish me for something I have already paid dearly for. Just as XXXX XXXX has paid his fines for his past behavior, I have paid my debt to society and it is time to move forward.
I look forward to a positive outcome and a life-long business relationship with Capital One. I believe this is a case that should be reviewed outside of the textbook training of Customer Service Representatives and given individual attention by someone who is non-judge mental and values a consumer in good standing.
Thank you for your time and with warm regards,
|
05/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I purchased a XXXX Van on XXXX XXXX XXXX 2017. Part o f my purchase price ( {$1300.00} ) w as paid with my Capital One cre dit card. Once the van was delivered I immediately contacted XXXX and XXXX seller to notify them the van was no as described. The vehicle identification number on the body did not match the number on the title. It had body rust which I specifically asked about and the seller stated there was none. It was missing a hub cap and had a broken side view mirror when in the pictures that was not shown. The heater did not work although the seller claimed it did when asked prior to purchase. I sent the title back to the seller for correction. I sent photographic evidence of the rust and seller admitted he missed it. I took the van to a body shop that estimated the rust repair work at over {$1200.00}. The seller also admitted the photos he used to sell the van were not current and did not represent the actual condition of the van. The seller offered, and claimed he 'd send a {$100.00} refund, but never did and was woefully short of the actual cost to repair. I offered to settle for an {$800.00} refund or a return of the van which he refused. I also offered a return of the van for a full refund which he refused as well. I filed a dispute with Capital One since the seller would not work out an amicable resolution. I received a letter from Capital One around XX/XX/XXXX a sking me to complete a form and supply supporting documentation. I used a 'secure link ' provided by Capital One to provide documentation requested and photos of the damage, an estimate from a third party showing the cost to repair, documentation from the seller 's XXXX messages supporting his admission the van was not as described, and the cost of parts to repair the other undisclosed issues the van had. I sent a total of 14 do cuments clearly supporting my claim in the manner requested. I received a letter from Capital one shortly after XX/XX/XXXX stating they had credited my account {$1300.00}. On XX/XX/XXXX I received a letter from Capital One stat ing the merchant had provided information supporting the transaction and they were reapplying the full charge of {$1300.00}! They further stated if I wanted to continue with the dispute I needed to supply information which I had already supplied to them when I completed their form and filed the original dispute. Furthermore, when I looked at the merchants info supporting the transaction, the only thing the merchant had fixed was the title, none of the other issues had been addressed! On XX/XX/XXXX a pproximately XXXX CST I called Capital One customer service thinking they had some kind of a miscu e on their end. I spoke to representative ' XXXX ' who was unable to assist me and transferred my call to ' XXXX ' who attempted to assist me but really took the tone of defending the merchant. I was particularly concerned with the rust issue on the van since I specifically asked about rust and the seller told me there was n't any. She responded by claiming they did n't know what part of the van I was asking about, maybe it was a specific part and the body rust shown in the photos. I feverishly looked for my original question asked of the seller and when I could n't find it in short order she stated without the specific question there was nothing she could do. Moments later I located the exact question asking about body rust and XXXX put me on hold and her supervisor XXXX XXXX go on the phone. Unfortunately XXXX took the same adversarial posture. He discounted my finding the original question on XXXX concerning body rust when in fact that was what XXXX said I specifically needed! Furthermore, he stated the photos were not usable as proof when I was specifically told they were from other CapOne representatives. The only reason I needed to use their 'secure link ' in order to send them to them photos in a digital format! He also discounted the third party repair estimate when I was told that 's exactly what I needed and that it was acceptable. I queried XXXX relative to the merchant addressing only the title issue and not the rust, missing parts and other undisclosed issues the van had and he said the seller was n't aware of them? This was all documented and given to Capital One bu t for some reason it 's just easier for them to not acknowledge it and rebill my account. I think it 's unbelievable I have to file a complaint and waste more of my time when all the evidence read by anyone with any common sense would agree the dispute is valid. I even tried to settle for about half the supported damages but the seller offered only {$100.00}. Furthermore, the seller has never refuted any of my claims. He only states he missed it, or did n't notice it. Why does Capital One want me to pay for something other than what was promised in words and in photos? Why does my photographic evidence and third party documentation not count? I 've proven the case by any reasonable standards. Why is my own credit card company working against me? Case XXXX Capital One c redit card
|
11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.
In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.
In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.
Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.
In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.
The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
|
09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
On XX/XX/2023, I received a notification from XXXX XXXX that there was a new hard inquiry on my XXXX credit report. I viewed a copy of that report on XXXX website the same day and used their online resources to submit a dispute, indicating that I had not requested or approved any inquiry on my credit. Within a few hours, I received an email from XXXX noting that the inquiry was authentic and would not be removed. I immediately filed an additional dispute indicating that I believed the inquiry was fraudulent, again, indicating that I had not requested or approved an inquiry. Again, within a few hours I received an email from XXXX noting that the inquiry was authentic and would not be removed. As a result, I began the process of submitting a formal dispute with a Capital One, the creditor who had, according to the XXXX report, initiated the hard inquiry. On XX/XX/XXXX, I submitted all of the information Capital One requests for a dispute on their website via certified mail with return receipt along with a copy of the credit report with the inquiry in question highlighted and a signed letter requesting that the inquiry be investigated and reported to the credit bureaus as error or fraud. I also followed up with Capital One via phone and indicated that I was concerned the inquiry might represent fraud. I asked them to see if they could identify any new applications for credit associates with my identifying information. Multiple people I spoke with said that there were no applications in my name and that Id need to submit the dispute and wait on an investigation. As I had already submitted the dispute, I waited. One week late I called and was told the same information. Approximately 10 days after submitting the dispute, I received a letter from Capital One as a resolution to my case. The letter simply explained the three different kinds of inquiries that exist and did not identify the source of the inquiry on my report or mention any effort to report it as error or fraud. I immediately called again to follow up with them. The agent I spoke with said that she, again, checked multiple times for any new applications associated with my identifying information and could find nothing. She even went as far as to say that she would only be able to see new credit card application, not new applications for other lines of credit such as as a mortgage or auto loan. I asked her if there was a department I could speak with who could view any and all applications with capital one for any form of credit. She told me there wasnt and that Id have to call each department individually to follow up. However, she offered to start a new case for me, indicating that the previous case I had opened by submitting a dispute through the mail was essentially closed when they sent me the letter of resolution. She updated the new case with her search for any new applications and said she was submitting it for review. Again. I waited. About 12 days later I received two letters from Capital One. One of those letters was the exact same letter I received a couple of weeks earlier regarding the different types of inquiries. The second letter indicated that no abnormalities could be identified on my account and that Id have to work with the credit bureau. Having started my investigation into the inquiry by contacting the credit bureau and filing a dispute when I first received an alert that a new inquiry was present I, again, reached out to capital one. I explained the situation to several people, yet again, spent hours on the phone, and was eventually transferred to a woman who, within two minutes of collecting my identifying information, identified a fraudulent application for a credit card in my name in another state. She initiated the process of reporting that application and resulting inquiry as frudulent to the credit bureaus so that it could be removed from my report. The reason Im submitting this complaint is that Ive spent hours upon hours on the phone, stressing and agonizing over this inquiry. It has adversely affected my credit. And I have done everything that was requested of me by both the credit bureau and by Capital One. I followed the processes they have established for reporting and resolving these issue to their exact specifications. However, they have not held up their end of the bargain. They cant possibly say that two separate cases resulting into investigations into my accounts with Capital One were completed and didnt identify anything, when one woman in two minutes identified and corrected the issue that dozens of other people had been unable to find for the more than thirty days prior to that. I feel it was by sheer luck that I ended up speaking with the right agent today, and its appalling that if I had given up and just accepted what both Capital One and XXXX were telling me, I would have had to have lived with the fraud and the resulting effects on my credit. Both Capital One and XXXX failed to protect my financial health appropriately. Its only because I wasnt willing to give up, and kept pushing that things may end up being resolved. This can not happen to other consumers.
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08/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX, I discovered Capital One had damaged my credit scores. According to XXXX, I went from having Exceptional scores of XXXX to now XXXX score that relates to Capital One fraudulent activities which I thought was resolved when proof was given to their attorneys back in XXXX. Capital Once indicated a charge-back on my credit report.
On XX/XX/XXXX, Capital One allowed someone to post large payments on my credit card account. My documentation shows I had repeatedly called Capital One and asked them to return the money because it didn't belong to me. Prior to the large posted payments, my balance was less than {$500.00} with a $ XXXX credit line. And their system would not allow my monthly payments to be posted because the credit was too large on my account.
Each time I called Capital One to refund the sender money, they said the way it was posted on my account, it could not be refunded ( Very strange ).
So much transactions have happened from XXXX to XXXX I will condense it to highlight the key problems. It was quite obvious that something strange was going on between Capital One internal staff members, fraud connected to my account, and me having to pay the consequences of everything.
I had gotten XXXX XXXX XXXX ( XXXX ) involved to discovered the attorney who kept harassing me to pay those large payments posted on my account, that Capital One staff members stated they could not resend or refund or credit the sender 's account. And since Capital One NEVER viewed large posted payments on my account being unusual -- although I kept calling them repeatedly to inform them those payments were not paid by me, they didn't do anything to resolve the issue.
Only to discover, in a letter from XXXX, they stated I was a victim of fraud. Yet Capital One staff members still refused to view it as fraud and investigate the matter.
At that time, I had contacted all the credit bureaus disputing the balance, XXXX and desperately seeking assistance for someone to investigate this fraud. Unfortunately, it fell on death ear with all third parties, which was quite strange. But I later discovered the reason.
Then I reviewed all my old billing statements and made comparison from the recent billing statements I requested from Capital One for a year of XXXX, only to discover Capital One internal staff members had manipulated my transaction dates, in which I have proof from XXXX of the large payments of {$2900.00}. To make it appear, when the {$2900.00} fraudulent payment was posted on my account back in XX/XX/XXXX, they reversed it the same day.
But in reality, they didn't reverse it until XX/XX/XXXX, AFTER {$2900.00} has gone to the fraudulent " Attorney XXXX XXXX XXXX '' since Capital One refused to resend the payment back to the sender and " Attorney XXXX '' kept harassing me every day about the large payments posted on my account and I was going to be sued if not returned.
After paying the {$2900.00} credit on my account to the " attorney '', I received a letter from XXXX informing me Attorney XXXX had passed away on XX/XX/XXXX and I was a victim of fraud. Then Capital One CHARGED MY ACCOUNT for {$2900.00}.
To my knowledge, it is illegal to alter transaction dates on a legal documentation.
I informed Capital One, I have no issues with paying my bills. My credit history could vouch for that. Each time I made a payment to Capital One it was applied towards the excessive interest rates from the fraudulent payment now an adjustment by Capital One of {$2900.00}. Because of Capital One members ' negligence with fraud, internal cover-up, refusing to investigate and report this matter to the appropriate authorities, which seems extremely strange, they wanted me to pay {$2900.00}, in which I had never received any products or services.
This ordeal has caused me so much grief and stress in my life. I couldn't secure employment paying me the hourly rate for my profession because it is determined by my credit report. Now my credit scores have changed from exceptional to fair. I have not ever had an issues with any other creditors. My balances are either paid on time or paid off in advance. That speaks volume of my character as being responsible.
As much documentation I can upload, I will prove fraudulent payments posted on my account, letters written to their attorneys providing details of deceptive business practices, and Capital One staff refusal to investigate this matter. Even to this today, they will claim not fraud has happened. Yet, XXXX views it differently.
If Capital One thought I truly owed {$2900.00} why did they reverse the charge AFTER the funds were given to supposedly " Attorney XXXX XXXX XXXX ''? Why did they alter the adjustment transaction dates of when the {$2900.00} was posted? And why this matter wasn't investigated nor reported to the authorities, especially after being informed by XXXX I was a victim of fraud?
The above information was never revealed during the time I had placed a dispute with all three credit bureaus and XXXX. But it will now, since I just discovered these issues have been resurrected via my credit report.
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06/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
call capital one on XXXX XXXX after receiving a bill of {$56.00} which annoyed me that on XX/XX/XXXX habit made full payment of my card at {$0.00}, When calling I was let know that purchases were made on XX/XX/XXXX at a XXXX and then let them know that I have never been there nor have I used my card for several months, and that I did not recognize those transactions which let me know that an investigation would be opened then they started asking me security questions and letting them know that I did not recognize any of the transactions, and I was told that there would be an investigation and I would receive a letter about the decision of the case and about the credit of the transactions, which only received the credit. temporary on XX/XX/XXXX but it was already removed, and they are charging again, on XX/XX/XXXX call to verify that past and I was let know that I was still in investigation, on XX/XX/XXXX call me to let me know that the investigation concluded and that I was responsible for paying the charges of the card since it has a chip and was used physically according to them, which is false since my card was obviously cloned because I had never been physically present first using the card in that place since it is obviously far from my house and I can not go to buy at that a XXXX of 1 hour away when I have 2 near my house at 2 miles, second when I started to ask the representative At what time were the transactions They was letting me know that on the night the transaction was as follows : {$50.00} XXXX XXXX, {$5.00} XXXX XXXX, {$1.00} XXXX XXXX.then they let me know that I had to pay the amount due and closed the investigation, let them know that it would not stay that way and that I would call the person in charge of my case which is the one that appears on the XXXX paper and its extension number, then I call and try several times on XX/XX/XXXX I realized that this extension number is false because there is no way to communicate, so I had to call another phone number and talk to another representative named XXXX and XXXX where they let me know now that I was still in investigation but that since the card is chip and it was not lost I am responsible for paying it.Then on XX/XX/XXXX I called again and spoke with the representative XXXX, who kept telling me that he should have paid the interest accumulated so far, which is ridiculous that he has to pay for something he did not use, for a robbery, for a cloning and that aside I have to pay interest generated by abuses of the one capital system, after bothering me the representative XXXX transferred me to XXXX, I told him to verify my 12 years of credit history and that I would look for a transaction for {$1.00}, since I never do no purchase for that amount and this man let me know that XXXX made the credit for {$1.00} on XX/XX/XXXX, Then on XX/XX/XXXX I called again and spoke with the representative XXXX, who kept telling me that he should have paid the interest accumulated so far, which is ridiculous that he has to pay for something he did not use, for a robbery, for a cloning and that aside I have to pay interest generated by abuses of the XXXX capital system, after bothering me the representative XXXX transferred me to XXXX, I told him to verify my 12 years of credit history and that I would look for a transaction for {$1.00}, since I never do No purchase for that amount and this man let me know that XXXX made the credit for {$1.00} on XX/XX/XXXX and that capital one was returned on XX/XX/XXXX, but the other amounts he had to pay with interest, and even though he was under investigation He tells me that I had to have paid the minimum payments, which is false since I was told at the beginning that while I was under investigation I did not have to make any payment until the investigation was closed and received the letter with the result that has not yet happened, and where he lets me know that I have to pay for the card is a chip and I did not lose it which I flatly refused this abuse.On XX/XX/XXXX, I contacted the county sheriff to file the report of the theft of my card and cloning information and for the abuse of capital one, after explaining to the sheriff and giving evidence and in his presence again call capital one where again the case was exposed and I must emphasize that again request the hours of the transactions made and to my surprise and that of the sheriff the hours did not coincide, as they told me at the beginning days ago : {$50.00} XXXX XXXX, {$5.00} XXXX XXXX and {$1.00} XXXX now very different from what I was told at the beginning. all this has been a disaster, an abuse, lies, and make me be responsible for stealing my identity from my information, cloning my card and telling me that I must pay for the chip was present, seriously so much stupidest together. I am an older woman and they are telling me that I am the thief, literally, so they give me proofs that I buy, why do not they give them? Why are they based on just one chip? You must resolve this as soon as possible and this is what I am going to get to the police and news department, the abuse they are doing is shameless.
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04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN : CFO NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX XXXX report, and I noticed you CAPITAL ONE are reporting my transactions and experiences specifically a late payment that you have posted on my consumer report : XX/XX/XXXX, you reported that my transaction was 30 days late.
XX/XX/XXXX, you reported that my transaction was 60 days late.
XX/XX/XXXX, you reported that my transaction was 30 days late.
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( CAPITAL ONE ) Making the report is NOT INCLUEDED on my Consumer report!
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the below account XXXX # XXXX You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with your company to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting.
Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something You have been notified that you are reporting in accurate inform to the consumer reporting agencies.
As out lined in 15 USC 1681a 2Ai Congress specifically says transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX making the report is not included on my consumer report. Without a shadow of a doubt you now know that the information you are reporting is in fact inaccurate.
CAPITAL ONE Ignorance of the law is no excuse!
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
CAPITAL ONE DO NOT SEND ME ANY CORRESPONDENCES IN REGARD TO THIS NOTICE UNLESS IT IS TO CONFIRM THAT YOU ARE COMPLYING WITH THW APPLICABLE LAW and you have DELETED THE TRANSACTION or EXPERIENCE THAT YOU HAVE REPORTED AS 30 DAYS LATE to the CONSUMER REPORTING AGENCIES.
YOU HAVE 10 CALENDER DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE TRANSACTION FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS.
Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non-Compliance 4. Civil Liability 5. XXXX XXXX 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
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03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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1 ) I bought 2 tickets on XXXX XXXX in early XXXX for my wife and I to travel to XXXX, from XXXX. I purchased them online through their website.
XXXX ) I used my Venture Capital One Credit card. ( but they tell me Visa company is responsible for outcome of decisions, not them ) XXXX ) XXXX notified me of a flight time change for the upcoming XX/XX/2023 summer trip I am referring to. This flight time change created more than a 5 hour change in our schedule. Additionally, the new flight times meant we'd miss our connecting flights in XXXX, taking us back to XXXX, coming back from XXXX. So, XXXX told us that they would refund our money back to our credit card, since we could no longer use the flights we purchased. Even though the were non refundable, due to the change in times, we were allowed the refund to our credit card, as you'll see in their 'refund back to the credit card ' policy shows they must do this.
XXXX ) Based XXXX 's statements and direction, I purchased two new tickets with another airline that fit our scheduled time frame.
XXXX ) However, XXXX ended up creating vouchers at a later time, and lying to the credit card company in our dispute, saying we requested them. Then they showed Visa a policy that everyone signs for a non refundable ticket. This is illegal, and even goes against their refund policy, and the the FAA Homeland Security policy about changing flight times and forcing passengers to accept their changes : no matter what agreements are signed when you buy a ticket ; the law says that airlines can not keep money, after they market a flight with a time to it - and then change the times dramatically. They can't make passengers find different flights, after they changed their flight times.
XXXX ) I disputed the charge. Capital One has told us that they agree with us, that our documentation was sufficient to a refund. Even XXXX 's policy allows it. We gave 15 documents. XXXX responded a 2nd time after Capital One agreed with us and credit are account, XXXX said they gave us vouchers and we agreed to that in our non refundable tickets. The credit card person, XXXX, Employ ID XXXX with Capital One Disputes was the last person dealing with this. We have not even received any reasoning why they sided with XXXX.
XXXX ) The people who make these decisions are " Visa '' and not Capital One, they told us, and they are neglecting the law, at the expense of cardholders. I gave multiple documents showing my initial phone calls asking where my credit was. If someone requested conversations in those calls, which are taped, they'd hear their agents confirm refund to credit card refund would happen. Then about 10 days later they changed their minds. Flights may have been found later to take us back to XXXX, after a 4 hour flight change from XXXX- but not at the time they told us we would get a refund to our credit card.
I need our money back. This is not fair. My wife and I never wanted vouchers, never agreed to them. We relied on our credit card company to find the insanity in XXXX 's actions. They did not. They just took a document from XXXX and did not apply the law. It's very clear : the airline changed the flight times, and left us with no flight available to connect with. The flight changes were well past the 5 hours total flight change guidelines.
The problem is that Visa did not consider the law, and only referred to a lie from the airline. I didn't sign an agreement saying you can 'change my flight times and I agree to a voucher '' when it's over 5 hours. And if they had that disclaimer, the law still trumps that. This is a clear case of a bad actor- XXXX is a horrible company, and although I complained to the FAA, no response has been made back to me. They are not honest people. I also sent them a letter, with no response.
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Finally, Capital One and Visa also used some horrible timing issues. They said that we also missed our 'time ' to respond on one case, but in fact, all the documents I uploaded were identified for both cases. Thus, when they agreed with us on one of the ticket cases, they denied us on the other case because they did not use the documents uploaded for both cases. But then at the end, we lost both cases, and they won't tell us why? Other than the merchant they agree with and vouchers were given. Come on, if I take someone's money, change the product and then give them gift certificates, that is not what the law says. It says " refund. '' Please return my money back to me. The credit card company is wrong taking money on behalf of a fraudulent merchant, who breaks the law. I uploaded the documents to the dispute file, showing the change of flight emails, and the lack of flights available. XXXX does not even dispute changing our flight times. The credit card company should not accept that vouchers were sufficient. I have more documents I uploaded to Capital One, but the main ones are attached here.
Please help. We can't afford two trips to XXXX, and Capital One and Visa company is not using the laws that were designed to project consumers.
Thank you, XXXX
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01/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Older American |
To Whom It May Concern : In XXXX I took out a Home Equity Line of Credit ( HELC ) on my home with XXXXXXXX XXXX ( XXXX was later bought by Capital One ).
The loan was paid off in XXXX. Capital One sent a letter on XXXX with the original loan documents stamped paid. While trying to get a new HELC in XXXX of XXXX, I discovered that the lien from Capital One had never been released.
I looked up the original loan documents that Capital One sent to me showing the loan had been paid in full.
I called the number on the cover letter sent from Capital One. It was still a valid phone number for Capital One. I called the number to try and get the lien removed. I was transferred several times and after an hour I was transferred to an office that was closed.
The next day I went to a local Capital One branch to get this straighten out. I explained the situation to the Capital One employee. She went back and spoke to someone on the phone. She came back with a note of the items that I needed and a XXXX XXXX XXXX. The list included the Mortgage Deed of Trust and all records ( if applicable ). I asked exactly what this was and the person could not tell anything about this item. Also, I asked for a phone number I could call after I mailed the items to confirm that they were received. She told me the number she called was for internal use only. I explained that the items on the list were all items that Capital One should already have in their records. She shrugged her shoulders and said I would need to send the items to XXXX XXXX she had given me.
I made another appo
intment at another branch of Capital One to see if I could get additional help. I met with the Capital One representative. She gave me a print out or the items that I needed to send to the same XXXX XXXX I had gotten the day before. I again asked about the Mortgage/Deed of Trust. I was told that this was a required item. I again asked about exactly what this was. She referred me to the document she printed out and said I could go to the local clerk of court to get this item. I asked if there was an e-mail address or fax number where I could send this information, instead of mailing it. She told me no, the information would have to be mailed to the XXXX XXXX she had given me.
It is hard to believes that in XXXX the only way to communicate with a major bank is by mail. I could not even send the items by XXXX XXXXXXXX or XXXX since the only address I had was a XXXX XXXX XXXX
I contacted my local Clerk of Court and got the complete record of the Mortgage/Deed of Trust on my home.
Since I had no other way to get the items to Capital One, I sent it by priority mail. The Post Office confirmed that my package was delivered to the Capital One Box on Thursday XX/XX/XXXX. In the letter I sent to Capital One, I asked them to acknowledge receipt of my letter. I have had no contact from Capital One.
The Capital One expectation ( per the printout I was given ) was that if you did not send them everything ( paperwork that they should already have ), that the request would be considered incomplete and denied. If you did send them everything, they should already have it their file, then the request would be reviewed and processed within 15 business days. It did not say when the lien would actually be released and whether or not I would be notified when the lien had been released.
I expected the following from Capital One and they havent met these expectations : That the lien would have been released 10 years ago when it was paid off. Capital One acknowledged the lien was paid in the XXXX letter to me.
That I would be able to make contact with Capital One by some other form of communication than the Post Office. I find it difficult to believe that this location of Capital One handling HELC do not have phones, e-mail addresses or fax numbers. Even a street address would have been helpful. Basically, I feel they made communicating with them as difficult as possible. I was simply looking for a way to get in contact with a real person that would take responsibility for releasing the lien on my home that had been paid off for 10 years They would show me the courtesy of acknowledging they had received the information that I sent to them. Each item they requested should have already have been in their files.
I was able locate the original loan documents to show that the loan had been paid off. But since XXXX there have been several floods and hurricanes in XXXX XXXX. If my records had been destroyed in a natural disaster, would they never agree to release the paid off lien on my home?
I want Capital One to acknowledge that the loan is paid off, have the lien released at the Clerk of Court and to let me where they are in each step of the process. The loan has been paid off for 10 years and I would appreciate it Capital One would have some sense of urgency in doing what they should have done 10 years ago.
I have attached a copy of the various items I received from Capital One and items I have sent to them.
I would appreciate if someone, either your office or Capital One, would contact me about this.
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02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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1 purchased a vehicle XX/XX/XXXX from XXXX, who had a fresh start program for people that filed bankruptcy. I was approved for a finance loan to purchase the vehicle for the sale price of {$14000.00} My monthly payments were {$370.00}, which did not change until I was forced to agree to a repayment plan that was suggested as the only way to keep possession of my vehicle, in the amount of {$860.00} per month for four months.
Due to a recent change in my finances, resulting from major vehicle repairs, and on medical leave from work with illness ; I fell behind in payments. I started the payment plan XXXX, XXXX ; and consistently calling to inform of any updates of my situation and hardships : XXXX Id XXXX XXXX ( representative I spoke to ) XX/XX/XXXX payment {$370.00} confirmation number # XXXX XX/XX/XXXX {$430.00} XXXX Id # XXXX confirmation # XXXX XX/XX/XXXX {$430.00} XXXX ID # XXXX confirmation # XXXX paid on XX/XX/XXXX @ XXXX. Missed payments ( XX/XX/XXXX {$430.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$430.00}, & XX/XX/XXXX {$430.00} ). I reached back out to see if I could place a couple of notes to the rear of the loan, or extend the payment arrangement and was told by rep : XXXX ID # XXXX just pay as much as you can towards each one. You now owe from XXXX XXXX. Spoke to XXXX ID # XXXX on Monday XX/XX/XXXX @ XXXX ..if you can get the XXXX payment {$430.00} in by the XX/XX/XXXX, no later than. then you are paying within the 30 day boundary. then you can add more money like {$500.00} to your payment like once a month which will offset what you owe. As long as you are making the minimum of the payments in 30 days.
Spoke with XXXX ID # XXXX on XX/XX/XXXX @ XXXX vehicle resolutions customer advocacy team @ Capital One not a supervisor, but a hire up representative part of the team i still have my payment plan active, it doesnt mean that my plan wouldnt be broken. But complete the payments for XXXX by XXXX XXXX you should be good on keeping your vehicle and remain active on arrangement. That plan defaulted from a missed payment, threats of repossession has begun. I talked to another representative yesterday XX/XX/XXXX, who was trying to get me into another payment plan. I questioned her about why I am still paying for a vehicle that was only $ XXXX in XXXX. She told me that the interest on the loan is APR XXXX XXXX, and the 10 day Payoff amount {$9400.00}. When I make late payments the interest accrues daily. It almost seems that I will never be able to pay off this vehicle, in my opinion. On XX/XX/XXXX I spoke to another representative who told me the following : Totaled payed {$11000.00} to date on the account. Of that amount {$8800.00} has went to interest and {$3000.00} has gone to principal. My payments for the principal would not end until next year if I get caught up on payments, l 'm assuming.
My pay off amount would be done XX/XX/XXXX for a total of {$13000.00}. I learned about the predatory lending through a simple online search, which came after talking to a friend who suggested that " they seen me coming from a mile away ''. In the most desperate need for transportation I was just happy to get approved for a vehicle to get back and forth to work. I had no idea this situation would be this way almost 6 years later. I was not even given appropriate time to review the information before signing the contract while looking at new vehicle keys sitting on top of the paperwork. Just wanted to follow up with a professional that could tell me if indeed this was a predatory lending move from Capital One Auto Finance and XXXX XXXX ; and if so what are my options now? Also, after they take the vehicle, what options will I have in settling the debt, if there is debt left? I have paid enough to practically own the vehicle, why allow me to pay for this vehicle twice? Moreover, since having the vehicle I have spent well over {$4000.00} on repairs ; oil leaks ( for example ) in multiple locations that I am sure would be a manufacturer defect, however, no recalls yet. Also, just spent {$1800.00} for major repairs to all the parts that stabilize the vehicle in XXXX, XXXX. I have been off of work in XX/XX/XXXX, due to XXXX illness ; then XXXX truck breaks down. Ever since XX/XX/XXXX, due to another illness, I have been off work. I can not afford {$800.00} a month for my vehicle. However, {$370.00} is more obtainable, which is my original car note. The method of payment has to come from a bank checking account, Capital One Auto doesn't accept credit card payments, or prepaid debit cards. I have not been given anymore options in keeping my vehicle. And just received a text message yesterday that says : MY NAME IN ALL CAPS, This is Capital One. Your auto account ending in XXXX is assigned for repossession. Have you considered voluntary surrender? Call us at XXXX to learn more. Disclosures : XXXX XXXX XXXXXXXX Msg & data rates may apply. Reply STOP to stop. I am going to call and surrender my vehicle, because I will never own it. Capital One Auto Finance, and XXXX XXXX Vehicle Lot are both listed as predatory lending companies in my opinion.
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03/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Money was extorted from me in XXXX XXXX from a merchant who is listed under a different and fake name. This is a fraudulent charge and Capital One and MasterCard refuses to investigate it. I can not afford to pay the charge with the uncertainty surrounding corona virus and the potential loss of my job.
I initially disputed a charge of {$360.00} from a XXXX strip club occurring at XXXX XXXX on XX/XX/2020 and said that {$160.00} was the agreed upon amount between me and the merchant. Capital One initially refunded me {$200.00} but then reversed this on XX/XX/2020 after the merchant showed a receipt with my OK Driver 's License where the signature was extorted from me because their bouncers threatened to beat me. Capital One 's transaction reversal letter from XX/XX/2020 included instructions for a dispute letter, which I followed. I submitted this dispute letter on XX/XX/2020 via Fax. Capital One sent me back a form template letter on XX/XX/2020 denying my complaint because I did not include " a copy of your sales invoice or purchase agreement and the date and proof of cancellation and / or return ''. From the denial letter and it's quick return, it was clear that Capital One did not read my complaint or take it seriously. I could not provide a proof of cancellation/and or return or a purchase agreement because this was a shady strip club which focused on ripping off American tourists. These requested documents by Capital One from the XXXX strip club were impossible to acquire.
I called Capital One on XX/XX/2020 to have my dispute letter sent back for further review and explained my story and the fraudulent activity of this merchant to a Capital One manager. I also explained that their denial reason made no sense because the purchase agreement and proof of cancellation were impossible to obtain at a shady XXXX strip club which is claiming to be a restaurant. I have not heard back from Capital One on this matter. I have attempted calling Capital One multiple times but have been put on wait times exceeding 2 hours before the phone automatically disconnected on me.
A copy of my letter is attached below in text : Case # : XXXX Date of Transaction : XX/XX/2020 Merchant Name : XXXX XXXX ( falsely listed as XXXX ) Disputed Amount : {$200.00} ( Total Charges : {$360.00} ) To whom it may concern : My two friends and I visited XXXX XXXX late Thursday night in XXXX XXXX on XX/XX/2020. From what I was told by the clubs employees and my friends who were translating for me as I do not speak XXXX, a half hour lap dance would have costed around {$150.00}. I also purchased a beer which brought the total charges up to {$160.00}. During my time at the strip club, I received one thirty-minute lap dance and purchased one beer. By the time we wanted to leave the club for the night, a waiter came up to us and wrote down our tabs on a piece of paper. The tab was significantly more than what was communicated to me beforehand nearly {$200.00} more. The waiter would not provide an itemized receipt, even after my friends who spoke XXXX requested one repeatedly. The waiter tried to persuade us all to go to the ATM to withdraw enough local Peso bills and avoid using credit cards. He told us hed charge a 12 % surcharge for anyone who used a credit card which was significantly higher than usual. If we did not pay the falsified overinflated tab, the waiter told us that we would not be allowed to leave the establishment and that we would be in danger and the police would not help us. He then pointed to the big bouncers guarding the front door. One of my friends went to an ATM but only had enough money to pay for his tab. I could not use an ATM as I did not have a debit card on me. Realizing this threat and fearing for my safety, I had no choice but to give the merchant my Capital One Savor card and my Oklahoma drivers license and sign the receipt. I did not consent to the amount charged by the merchant on this transaction because I was in fear of my life if I did not pay. The money was extorted from me and thus this is a fraudulent and unauthorized charge. I do not speak XXXX and was in a frightening situation in a foreign country known for organized crime through cartel activity and violence against tourists.
I am formally requesting Capital Ones Dispute Department to : 1. Please request an itemized bill from the merchant XXXX XXXX for the services and drinks that are purportedly charged to my account. As stated before, the merchant would not give me an itemized receipt to verify that the charges were accurate and threatened violence against me.
2. Please ask the merchant to verify its name, address, and the goods and services that they provide. This merchant is lying to Capital One and Mastercard about the type of business they operate. This merchant is NOT a restaurant as depicted by XXXX , but a STRIP CLUB with the name XXXX XXXX in XXXX XXXX .
3. Please record the time that the transaction went through to verify that this merchant is not a restaurant. The transaction occurred at XXXX XXXX Central Time. Restaurants are not open this late.
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08/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I contacted Kohl 's / Capital one XXXX XXXX XXXX XXXX WI XXXX - XXXX in regards to an old past due account. Speaking w the rep. I was informed that I owed XXXX and that they would take 50 % of that as a payoff - I asked several times if the account was held / owned or bought by a 3rd or 2nd party and was told several times no. The woman said that it was only held by kohls. I informed her that I was not willing to pay the 50 % payoff but would pay XXXX $ she said that she could not do that so I asked if there was someone that I could speak to in regards to that. She then gave me a XXXX number to call and said that they could help me. I asked if there was a reference number for the account and was told no. I called that number and a man by the name of XXXX XXXX answered and I asked him if the company that he worked for was a 2nd or 3rd party collection company to this he replied that they were a 3rd party collection company ( i had been informed by khols that the account was not with a 2nd or 3rd party company so this was really shocking to me. He asked for an account number and I told him that the last rep had not given me a reference number and he gathered my information and was able to pull it up by alternate means to which he then told me that I did not owe anything that the account was at a XXXX bal. I ask him if he could print off a statement for me but he couldn't I asked him don't you guys share the account be paid off with khols and he said yes so I asked him to please make sure someone hit the right button and let khols know the status of the account we stayed on the line a bit longer as he tired to solve the riddle of not being able to print out a statement in the end he said to contact kohls and he gave me and account number to give them in regards to my account with his company so I contact kohls and give them the account number given to me by the 3rd party company XXXX and they cant find it rather I have to have it pulled up by alternative information and ya bet there showing a bal. I go through the entire process of explaining how I was lied to by the last khols rep because she told me it was not held by a 3rd party only to then give me a 3rd party number for an account that the 3rd party is showing as at a XXXX balance. So then I argued until I got a supervisor on the phone because the rep that I was talking to said that there were no supervisors that could talk. So I get the supervisor on the phone and she wasn't to collect the debt but only wants to say sorry for the misunderstanding was no misunderstanding there rep told me I owed a bal told me that it was not held w a 2 or 3rd party then gave me a 3rd party number whom I contact and they told me I did not owe anything the supervisor verify that the number I have for the 3rd party is correct and that they use a 3rd party and that the other rep I talked to was just confused or there was a misunderstanding ... No and Yes are hard to misunderstand the rep said No it is not help by another company that is pretty clearly stated it was only after I refused her offer that she then tossed me to a 3rd party ( by the way he was wonderful to talk to very helpful and polite for a 3rd party collector ) Complaint is I despise being lied to when someone is attempting to collect money from me I hate it when I clearly ask a question and am given a clear answer and then find out that I was given fraudulent information to misrepresent a company and a debt is inexcusable.
I asked the supervisor to do an internal investigation to why I was lied to and to send me a written explanation to that and she informed me that they could not do that. Why is it that a company like kohls could not tell me why a rep would misrepresent a debt to me?
Is kohl 's right in assuming that they have the right to provide false information when they are attempting to collect a debt?
The 3rd party collector that they hired to collect my debt shows a XXXX bal on my debt why would kohl 's try to collect a debt when its shows up as a XXXX bal I don't feel that I owe a debt to a company that would so freely falsely represent things to a client even if I am in poor standing. I deserve to be treated with respect. As I told the last rep that I spoke w this is no longer about the money owed it is about the disrespect that the Representative of the company showed me by providing me with false information all the while trying to collect the debt. It was only after I refused her offer and she I assume realized that I would not agree to pay her the payment that she gave me the number to the 3rd party collector. Is she paid a commission on her collections? Is that why she led me to believe that only khols held the debt in an attempt to get me to pay kohls directly so that khols did not have to pay a percentage of the collected money to the 3rd party?
I feel that she was deliberately misleading me in an attempt to collect the debt directly. I had asked her to speak to a supervisor about a lower payoff amount and it was only after I asked for that supervisor that she referred me to the 3rd party company.
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06/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello CFPB - I am having a problem with Capital One 's Auto Finance department. They are causing direct harm to me as a borrower, and despite multiple attempts to provide options for remediation, they are unwilling to do so. They have stated that they have the ability to assist me in the way in which I am requesting to be assisted, they simply refuse to do so. I will lay out the facts below and attempt to explain where customer harm is going to come in.
On XX/XX/XXXX, I made a payment of {$12000.00} to Capital One. This payment was enough to pay roughly two full years of my obligation to Capital One ( monthly payment is {$610.00} ). Capital One took the {$12000.00} and applied it to three future due dates ( XXXX, XXXX, XXXX ). The remaining funds ( roughly {$10000.00} ) were applied as a principal reduction payment that did not move my due dates forward.
I noticed that my due dates were not pushed forward by roughly two years as expected, so I called Capital One to request that they reapply my payments towards due dates. Capital One associates erroneously explained to me that by paying as I did, and not paying again for two years would cause me to pay more in interest than if I made monthly payments of the exact correct amount. This is verifiably untrue, as this is a basic simple interest loan. Lowering principal earlier in the loan will greatly reduce the interest over the life of the loan. The associates then asked why I made a lump sum payment, stating that depending upon my reason for making a lump sum payment, they would be able to apply the payment to the due dates as I requested ( demonstrating that they have the ability to do what I was asking ). Their request of why I am making a lump sum payment is unreasonable. They do not need to know why I chose to pay in the way that I do- they should only be concerned with the fact they received funds from me that should satisfy almost two years of obligation.
My calls were ultimately escalated to their " Office of the President '' group. The entire escalation occurred during XXXX and XXXX, where Capital One followed a lot of the same talking points provided previously- the way I'm paying will cause more interest ( again - wrong ), that they can apply the payments if I have a valid reason ( what makes a reason valid? ), and that they will not apply my payments out to future due dates past three months.
I laid out at each call the customer harm and Capital One benefit that is gained by adhering to this policy. Each associate said that they understood the case I was making. Their associate 's understanding leads me to believe that Capital One is aware their policy causes customer harm and only benefits Capital One. They choose to not change it to protect the consumer. Here are the points I made, based on paying Capital One enough money to satisfy just under two full years of payments : XXXX If I pay how they suggest, I will have a negative impact to the total interest that I pay to them over the life of the loan.
XXXX They will charge me late fees for a due date four months out, despite having funds that satisfy two years of due dates.
XXXX They will report me negatively to the credit agencies, leading up to charge off status in less than a year, despite having funds that satisfy two years of due dates.
XXXX They will repossess my vehicle, despite having funds that satisfy two years of due dates.
Each of these points were " understood '' by Capital One employees, but no action was taken to alleviate potential customer harm.
I called Capital One on XX/XX/10 to discuss with them again the possibility of reapplying my payments out for three months - now that there are a future three months to apply the payments to. They declined the reapplication of payments stating that they will only pay forward three months from the initial payment.
Capital One did offer to " refund '' three months worth of payments for me so that I could turn around and pay them again. This was unacceptable because - Capital One has held these funds interest free for a period of three months and refused to pay me the market rate for interest in which they've had my money and two - because by refunding my money and having me repay them, I would have to pay interest on the principal that they have refunded - in this case, doubling the consumer harm by holding funds from me interest free, and then not waiving interest on the reapplication of my payment.
I should not have to make additional payments to Capital One while they are holding two years worth of future paid payments. Their policy is harmful to the customer on multiple levels ( Additional interest paid, Late Fees, Negative Credit Bureau Reporting, Charge Off, Repossession ). Capital One is aware of this harm. Capital One will do nothing to address their harmful policies to alleviate this harm. I exhausted all avenues attempting to resolve the issue with Capital One directly. I believe the CFPB is my last opportunity to seek help in helping Capital One update their policies to one that helps, not harms, their customers.
XXXX XXXX
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06/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
|
Ref : Account XXXX XXXX XXXX XXXX XXXX Dear Mr. XXXX XXXX, I recently received a 2nd Notice of Strict Enforcement of Contract Rights from XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX concurs that there has been a breach of contract from Capital One Auto Finance. XXXX XXXX received the copy of the Retail Instalment contract, however XXXX XXXX never received any disclosures explaining right to rescind the contract dated on XX/XX/XXXX. It has come to the attention of XXXX XXXX that Capital One Auto Finance is continuing to defraud XXXX XXXX. Ignorance of consumer laws is not an excuse. According to pursuant 15 USC 1635 Right to Rescission XXXX XXXX does not have any contractual obligation with Capital One Auto Finance and the said Retail Instalment contract is null and void.
XXXX XXXX has filed a formal complaint with the FDIC and Consumer Financial Protection Bureau in regards to Capital One Auto Finance fraudulent activities. In addition to any threats of repossession or collateral collection, it is also against the law under consumer law pursuant to 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( this threat is not an order by a Judge within XXXX XXXX Jurisdiction ) ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( XXXX ) Communicating with a consumer regarding a debt by post card.
( XXXX ) Using any language or symbol, other than the debt XXXX address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
Furthermore if you attempt to reposes said vehicle and give out XXXX XXXX information to ANY repossession company that is fraudulent and considered identity theft because XXXX XXXX did not give permission to do so. Pursuant to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Therefore XXXX XXXX was never presented the option to op out as a disclosure. Pursuant to 15 U.S. Code 1692- Congressional findings and declaration of purpose. ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) INADEQUACY OF LAWS Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
Ever violation is {$1000.00} in addition XXXX XXXX is entitled to monetary award of any damages sustained per pursuant 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGESExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
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10/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
On XX/XX/2019, using my Capital One Credit card, I paid XXXX XXXX XXXX in XXXX XXXX XXXX SC a total of {$2700.00} for 6 months advance tuition for my daughter XXXX XXXX. On XX/XX/XXXX, I was contacted by email by the then owner ( XXXX XXXX ) about a promotion for 50 % off of advance payment of 6 months tuition. Having just paid 6 months of tuition, I disregarded it. Then, on XX/XX/XXXX, Ms. XXXX contacted me by XXXX messenger about this promotion. She said her AC units at the daycare needed repairs and since I was not factored into future budgets, she was reaching out to me to see if I wanted to prepay for 6 more months. I said no because I had just paid the 6 months barely a week prior. She then agreed to discount the 6 months I had just paid and credit the difference for 6 additional months. I agreed to an {$1100.00} difference to cover our daycare tuition for an entire year. However, the very following business day, XX/XX/XXXX, I was sent an email from XXXX stating she was moving to the XXXX XXXX and that new owners would be taking over. XXXX XXXX the new owner went on to introduce herself in this email and even stated that tuition would not change, so I thought I was good. However, to be sure, the following day, I went to the office and spoke with XXXX XXXX. XXXX informed me that the new owners were unaware of any prepaid tuition and asked that I email her all documents and screenshots from conversations, which I did. She immediately responded that I should dispute all charges with my credit card company immediately. I went on to do this that same night, XX/XX/XXXX. They told me that they would credit the amount {$3800.00} to my account, which they did. HOWEVER, on Friday, XX/XX/XXXX, I happened to be looking at my credit score and saw that it had decreased by 85 points. Confused by this, I went on to further investigate my accounts and realized that it was because capital one had rebilled me for the {$3800.00} that I had disputed. Upon calling them, I was informed by XXXX that they had sent me a request for further documents by XX/XX/XXXX. I told her that I never received that request for documents, but was told that my case was still open and I would need to provide a letter from the new owner stating that the services I paid for would not be rendered. I worked tirelessly all weekend trying to upload these documents ( their document upload process is nearly impossible! They only allow certain documents to be uploaded and not screenshots, I spent literally over 4 hours in total on the phone with them trying to get this done. Between this phone call on XX/XX/XXXX and XX/XX/XXXX ( today ) I have faxed and emailed pages and pages of documents, including a signed letter from the new owners of the daycare stating I had paid for the services right before the change of ownership and that they could not honor this payment, police reports from myself and other families against XXXX XXXX, even a newspaper article about how Ms XXXX scammed families out of a total of {$100000.00}.
On XX/XX/XXXX, I spoke with XXXX at Capital one who told me that I had 120 days and was still in that timeframe until XX/XX/XXXX. She suggested uploading the documents as she told me their process time by fax could be 7-10 business days, which would put me outside of the 120 day window. After talking with her and HOURS AND HOURS of trying to upload documents ( their website is a nightmare ) I finally got the documents to load on XX/XX/XXXX. However, upon calling back on this day, I spoke with XXXX and was told that they closed my case because they didnt have enough documentation. I provided the letter from the owner stating I would not receive the services I paid for as they requested, but was told that it was too late. I also spoke to her supervisor XXXX, who told me my case is closed and there is nothing more to do, that I need to file a civil case and I am responsible for the amount on my card. I called and spoke to another supervisor XXXX that told me the same.
Unfortunately, I dont want to pay for services not rendered, especially when I can prove that these services were not rendered and am still within my 120 days. I would also like my account credited the {$3800.00} as well as to have my credit scores adjusted accordingly. This entire situation is killing me because in addition to this year of tuition that I paid for, my husband and I are now paying tuition at another daycare since we wont recieve the services we thought we were paying for before. Also, I missed an entire month of work this summer due to daycare closures related to the change in ownership and am struggling financially as a result. If there is any possible way of helping me, I would be beating greatful. My family deserves better. We literally only have one child because we can not afford daycare for another, and yet here we are stuck double paying for tuition this year.
I would attach documents of email correspondence from Capital one, but they tel me that they dont have email. I have no documentation from them other than my statement balance and credit scores.
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07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
I am writing this letter in reference to a credit card transaction which occurred on XX/XX/2022, for an XXXX reservation. I was very excited to book a vacation for me and my family that was to occur between XX/XX/2022 XX/XX/2022, in XXXX, Florida. I paid half the balance on XX/XX/XXXX and the other half on XX/XX/XXXX to the XXXX host company XXXX XXXX XXXX.
Everything was going as planned and arrangements were being made for the family trip. On XX/XX/2022 my son went into the hospital with pains in his stomach. He was admitted and the prognosis remained good. His XXXX and XXXX were having a hard time functioning but were still operating. I chose not to reach out to XXXX XXXX XXXX at that time because I was still hopeful my son would recover and would be able to join us in Florida.
Around the XXXX of XXXX, my son took a turn for the worse. He was placed on XXXX and his XXXX XXXX began deteriorating. On XX/XX/XXXX, even with my turmoil, I managed to reach out to XXXX XXXX XXXX to inform them we would not be able to make the trip and to advise me of my options. XXXX informed me of the strict cancellation policy however XXXX XXXX would change this policy if I would cancel and they were able to rebook. She also advised me over the phone that the chances of the property getting rebooked by someone else was very likely as it was high season. She also advised me I would only get a refund if the property rebooked. I decided that would be the only way to recoup my {$4000.00} so I followed the advice of the host company with their new terms. Needless to say, I never heard back from them.
I decided to escalate my concern to XXXX on XX/XX/XXXX and was subsequently advised there wasnt anything they could assist me with. At this point I was at the hospital with my son day and night and did not have the time nor energy to fight with the property management team. I contacted them several times and even cancelled my reservation upon their request. Had I not cancelled, they would not have rebooked the condo which they did. I even asked them if I could find someone to take over the booking but since I was the one on the reservation they couldn't work this out. I would have preferred to give it away rather than pay {$4000.00} for an empty condo.
On XX/XX/XXXX, I decided to initiate a dispute with Capital One. I was going to be out around {$4000.00} and was grappling with the idea of maybe needing the available credit to continue to stay at the hospital. When I detailed my situation to Capital One, I was told not to worry about anything and that I had enough on my plate already. The representative said everything would be taken care of. In fact, the transactions were reversed on my account but the available credit was never released.
On XX/XX/XXXX, my son XXXX XXXX from XXXX and XXXX XXXX. I needed the available credit for funeral expenses rather than a beach vacation. As of today XX/XX/XXXX, my card is at its limit. I pleaded with XXXX XXXX XXXX XXXX XXXX, XXXX, and Capital One to provide me with some relief. I am disputing {$2000.00} and not a {$20.00} gas transaction. XXXX XXXX XXXX XXXX eventually rebooked the condo however I was only credited {$1400.00} and not the full {$4000.00}. This XXXX location essentially took my money, rebooked for the same week and collected on top of that. XXXX refused to assist and now Capital One is refusing. I escalated to a dispute manager, XXXX, and informed her 28 pages of documentation had been sent outlining every step of the process taken t o resolve this issue beginning with XXXX XXXX, then XXXX and finally Capital One. The argument Capital One is making is that I agreed to the cancellation policy when I booked even with the circumstances at hand I was still responsible for paying for a condo that got rebooked. I agree, but I also agreed to the new terms that were provided to me and documented in an email. Which one cancellation policy should I adhere to?? The first XXXX on XX/XX/XXXX or the last proposal they gave me in early XXXX? Either way, I paid for a vacation I never took and was not even given the option to allow someone to take it for me. I would have gladly given it to a friend or close relative rather than letting it sit. The Capital One card is a Venture travel card ... Shouldn't their be some kind of insurance that comes with this for traveling?
Here is a breakdown of the charges XX/XX/2022 ( paid to merchant ) + {$2000.00}.
XX/XX/2022 ( pavid to merchant ) + {$2000.00}.
XX/XX/2022 XXXX Reservation Cancellation Refund - {$590.00} XX/XX/XXXX XXXX Refund for rebooking - {$1400.00} I am owed around {$2000.00} Attachments : 1. ) InitiaXXXX XXXX receipts 2. ) 1st XXXX Payment receipt 3. ) XX/XX/XXXX, Advisement from Merchant to Cancel the rental.
4. ) XX/XX/XXXX, Receipt for Cancellation and Request for Refund 5. ) XX/XX/XXXX, Merchant declined request for refund.
6. ) XX/XX/XXXX, Merchant refunded {$590.00} 7. ) XX/XX/XXXX, Escalation to Airbnb XXXX. ) XX/XX/XXXX, Response from XXXX 9. ) XXXX XXXX, Response from XXXX 10. ) Remaining are letters from Capital One
|
04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
In XXXX I became permanently XXXX and receive XXXX. In XXXX I began the daunting and exhaustive task to repair my credit that, in XXXX, was negatively impacted by an extended health issue. I paid off debts and worked closely with all major credit agencies by providing validation and related documentation. My Dad told me credit is more valuable then money so being creditable brought me a great feeling of power, pride, and the wisdom gained by humility In XXXX, my credit scores were in the XXXX range. One of six credit-establishing credit cards was Capital One. I was approved for {$500.00} then ( without a request for an increase by me ) raised to {$2500.00}. I always paid the monthly balances on all accounts. I remained vigilant checking my credit reports and scores in check.
In XXXX Cap One lost a {$1200.00} check representing the balance of the XXXX statement. I provided the documents that CAP ONE needed to begin an investigation.
From XX/XX/XXXX through XX/XX/XXXX I did my due diligence and called, emailed, submitted documents and spoke many times with CAP One. I continued to make many large payments so my account stayed in good standing.
Finally in XX/XX/XXXX {$1200.00} was posted to my account.
Then events created by CAP and the missing {$1200.00} started to take a toll on my credit scores. In XX/XX/XXXX I received a letter indicating that Cap One didnt have enough documents for an investigation. {$1200.00} was added to my to my balance due increasing it to {$1800.00} and charging me high interest rates.
I request a credit increase of {$1200.00} in an effort to keep my total available credit up and usage down and my credit wasnt negatively impacted. They declined it citing high usage and inquiries were too high.
Since I opened the CAP ONE credit card, Ive always paid the statement balance and was never charged interest. As of todays date my available credit is {$900.00} and my balance {$1600.00} and Capital One continues to charge me interest.
This situation has made a negative impact on my credit reports and scores because my available credit went down, and my usage and inquiries up. I even got declined for an auto loan by Capital one citing the same reasons- which they created.
Exasperated, On XX/XX/XXXX I wrote an email to the CEO and CFO of Capital One asking for help about the {$1200.00} problem but no reply.
I dont believe in coincidences- on exact date of the email ) XX/XX/XXXX ) my calls to Capital One were unwittingly transferred to the Recovery Department . The harassment began by Cap Ones unwanted and underhanded actions were was I was told Cap One is attempting to collect a [ past ] debt. And started to record the conversation. I cut them off and told the recovery department that this practice of transferring my call is deceptive and illegal. When rerouting my calls continued to happen, I would hang up. Then when the last rerouted call happened, I told them their actions are illegal and this was the first time Cap One tried to collect a debt. But the methods they were using are against consumer laws. The calls were unexpected and I was tricked. When I told them to stop calling me, the rep said, but we didnt call you. That remark made me realize they knew exactly what they were doing through untoward trickery.
The rerouted calls stopped and then Cap One began calling me relentlessly and left voicemails without identifying themselves as Capital One Recovery. For instance the following are exact messages left on my XXXX : Good morning this message is for XXXX XXXX this is XXXX with capital one so sorry to have missed you if you could please give us a call back at your earliest convenience my number is XXXX and our extension is XXXX XXXX thank you...
Hi this message is for XXXX XXXX this is XXXX senior account manager with capital one if you could please return our call at XXXX extension XXXX thank you and have a great day...
Ive never received any validation documentation from Cap One regarding a past debt and nothing has been reported to any credit agency.
On XXXX I received a collection letter from XXXX XXXX XXXX XXXX for an unpaid balance of {$1000.00} due to CAPITAL ONE BANK USA ) N.A. It had no validation.
In conclusion, instead of help with the {$1200.00} problem, I was subjected to unlawful scrutiny enacted by false claims of an unsubstantiated debt that has nothing to do with the missing {$1200.00} payment.
Cap Ones abusive collection tactics oppressed me by a sense of failure and impeded my creditworthiness when I was turned down for auto loans because of high credit usage and inquiries - that cited usage and inquiries are a result of CAP ONEs multiple inquiries and {$1200.00} added to my usage. As of today, the check is still lost.
I was subjected to corrupt collection practices when my calls were rerouted to recovery for a conjured up and a fallacious debt without written validation I have been turned down for credit cards and auto loans citing high usage and multiple inquires. This is the direct result of Capital Ones untoward business practices.
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03/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX booking site saying : Our pricing goes up and down and I agreed to their Terms and Conditions when downloaded the Mobile App. Therefore, no refund on my booking regardless of their Overcharging Fraud and Hotel providing BAD service.
Capital One Ignored our dispute and sided with XXXX XXXX booking site. and telling me to get my money call/contact XXXX XXXX booking site and scheduale a conference call. However Capital onemanager I was talking to could not attend to back me up and I am getting referred to another person at Capital one. I do not have any trust toward capital one that they are going to help getting my money back. My letter to Capital One Dispute Department.
To : Capital One Dispute Charge for {$570.00} Case Number : XXXX My name is XXXX XXXX and I did the booking at XXXX XXXX Mobile App and go by XXXX XXXX. On XX/XX/2019 around XXXX XXXX, Saturday night I booked two rooms for one night in XXXX Florida, got charged way more than what XXXX XXXX Mobile App showed on their website, the room rate I picked was {$130.00} per night, I got charged {$240.00} per night. I emailed XXXX XXXX on their website that you Overcharged me, I saw a rate for {$130.00} per night. Did not get an immediate answer. I was charged additional {$110.00} per room and I booked two rooms. So, total overcharged was {$110.00} x 2 rooms = {$220.00} When XXXX XXXX answered me back they said : the rates are subject to change at any time, thats why they can not guarantee against the hotel drops the rate on the XXXX XXXX app. Prices can and do also go up at the last minute, depending on events or popularity of an area. I told XXXX XXXX I didnt care where the rate going. I wanted the rate I picked at {$130.00} per night.
I clicked book it when the room rate did go down to {$130.00} ( please see attached picture ). Because, I sorted the hotels based on the lowest room rate on XXXX XXXX website and received the discount/deal. Again, when they charged my credit card, I paid a different room rate than what I saw. Not only I did not get {$130.00} per night per room, they charged me {$240.00} Plus {$43.00} resort fee or {$280.00} per room or {$570.00} for 2 rooms.
Additionally, XXXX XXXX app went from clicking I want two rooms at {$130.00} per night to Directly charging my credit card and sent an email at later time. No option given to review the order and additional charges like resort fee. And their email did not come immediately. I got notification from credit card company/Capital One and as soon as I saw it, I send an email via XXXX XXXX app that you over charged me. And no response. So, I went to the hotel and I talked to the front desk and told the man named XXXX that I was over charged. XXXX said he can not do anything do not have any other rooms and full, and I must contact XXXX XXXX. Which I told him I did via email. So, no other options. I checked in, XXXX gave us the rooms where they were doing construction at the hotel and no exterior lights on the path to the rooms. When we got in around XXXX XXXX we had to walk in rain on mud to get to the rooms and had mud on and in our shoes. I was ready to take shower and go to bed. I wash my face and while I was drying my face notice the towel smelling bad like a sewage drain. So, I try to use another towel. It was the same bad smell. I called our other room. They said their towels smell bad as well. I called the front desk talked to a man named XXXX, he said itll be a while to get new towels to us since he did not have help and it was holiday weekend/Saturday. Even though when I checked in, saw a XXXX man and XXXX man at the front the desk. I said I need the towel now. Then XXXX said again its holiday weekend, hell find the way to send new towels to both rooms. One hour later XXXX XXXX towels never came so I went to bed and I had to get up XXXX XXXX to leave XXXX. Got up at XXXX XXXX and called for new towels again, front deskman named XXXX or XXXX said soon as they can deliver the towel would be XXXX XXXX. I told him I need towels so I can take shower and check out. He said we do our best. Again, no towel, we did not take shower and we checked out and I paid the charges and complained. I was at the hotel from XXXX XXXX and checked out XXXX XXXX and left around XXXX XXXX and could not take shower due to towels smelling like sewage drain and bad service from Staff that did not care.
Extremely bad experience at this hotel from booking that they over charged me for 2 rooms on hotels construction area and towels smelling like sewage drain. Staff did not care to deliver new towels, none of us could take a shower. And when I checked out and made a complained the front desk attendance XXXX volunteered nothing.
XXXX XXXX XXXX XXXXXXXX did not provide service or clean towels for both rooms that I paid and made our life miserable and smelly. XXXX XXXX that did the booking for me overcharged {$110.00} per room x 2 rooms = {$220.00}, doing Bait-and-Switch FRAUD by showing lower rate and overcharged my credit card after booking.
Thus, I want a full refund for {$570.00}.
|
07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEDXXXX {$12000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEXXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$530.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$39000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPTEDXXXX {$9100.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$5600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1700.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF XXXX {$12000.00} posted XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF XXXX XXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$2400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$16000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE BANK USA {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT THE XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF EDUCATIONXXXX {$12000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF EDUCATIONXXXX {$31000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$16000.00} posted on XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CAPITAL ONE {$3400.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DEPT OF EDUCATIONXXXX {$9100.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$5600.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1800.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
|
07/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
|
On XX/XX/XXXX, I received an email from Capital One stating that the fraudulent activities I reported in XXXX from XXXX XXXX ( app off XXXX ) CLAIM # XXXX for my checking ending in XXXX was reviewed and the outcome resulted in some of those transactions being labeled as fraudulent and the rest labeled as valid transactions ( listed after this paragraph ). They stated my previous credits will be removed totaling {$830.00} on XX/XX/XXXX. As you can see below all of these unauthorized transactions were done by the same merchant and person. I not only had my XXXX XXXX account hacked, they successfully removed monies from my account over a period of 3 to 4 weeks. When my bank account was low - I had to go back and check why, this is when I discovered all of these XXXX XXXX transactions. I called Cap One immediately and they promised they would fix the issue. The issue I have with this is that I not only contacted Cap One but also the merchant. They said they couldn't do anything as far as returning my funds and labeling these as fraud - so I immediately shut down that XXXX XXXX account and contacted Cap One. Cap One is stating that they had sufficient evidence to prove that some of these transactions were fraud and some were valid. How in the heck can some be fraud and others not when they are from the same merchant/person and even as the merchant stated - the transactions occurred through the APP on the same IP every time!. These are ALL fraudulent not just a few!
My response to Cap One : XXXX XXXX XXXX Attachments Sat, XX/XX/XXXX, XXXX ( 12 days ago ) to cardinvestigations Please reopen this claim. This merchant does not prove that this isn't fraudulent activity they only indicated because of the many times my money was taken by his individual that it must not be fraud. I disputed this directly with the merchant before and they said they don't handle disputes and can't issue my money back and if I believe it's fraud I need to go to my bank and dispute it. All these documents show are the transactions and the many times my money was stolen and it proves it was done by one individual sometimes in the same day sometimes weeks or days apart. It's fraud. This individual had my account information XXXX XXXX is an app where you login using your phone number. You can login in from anywhere. My account has been hacked and that is why I discontinued use of it. I no longer have it because it was hacked!
On Fri, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX wrote : Re : Claim XXXX for account ending in XXXX XXXX XXXX, As requested, here are the attached docs used to make our decision about your dispute.
Thank you for being a Capital One customer.
Products and services offered by Capital One , N.A., Member FDIC.
( C ) 2022 Capital One. Capital One is a federally registered service trademark. All rights reserved. XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX, Virginia XXXX XXXX To contact us by mail, please use the following address : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
XXXX XXXX XXXX XXXX ( 1 hour ago ) to cardinvestigations I've already reviewed the documents. It's a list of all the transactions I cited as fraud - however, despite the transactions being done by the same person using the merchant 's app and my login credentials, half of the transactions were labeled as fraud while the others not. They were all fraudulently done by the same person, none were authorized. My account was hacked - and that XXXX XXXX was directly linked to my bank account and last four digits of my social security number were used as the PIN. This is identity theft and fraudulent activity!
Respectfully, XXXX XXXX Re : Claim # XXXX for account ending in XXXX XXXX XXXX, Your claim has been reviewed. Below is the outcome of our investigation.
Approved : Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} Outcome : Your temporary credit is now final.
Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Outcome : Your temporary credit is now final.
Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX {$1.00} Outcome : Your temporary credit is now final.
Merchant Date Amount XXXX XXXX XXXX XXXXXX/XX/XXXX {$150.00} Outcome : Your temporary credit is now final.
Denied : Merchant Date Amount XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} Outcome : The info we got from the merchant shows this is a valid transaction.
Merchant Date Amount XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} Outcome : The info we got from the merchant shows this is a valid transaction.
Merchant Date Amount XXXX XXXX XXXX XXXX XXXX {$110.00} Outcome : The info we got from the merchant shows this is a valid transaction.
Merchant Date Amount XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} Outcome : The info we got from the merchant shows this is a valid transaction.
Merchant Date Amount XXXX XXXX XXXX XXXX XXXX {$100.00} Outcome : The info we got from the merchant shows this is a valid transaction.
Merchant Date Amount XXXX XXXX XXXX XXXX {$200.00} Outcome : The info we got from the merchant shows this is a valid transaction.
|
02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On XX/XX/XXXX, I arrived in XXXX XXXX, XXXX XXXX for vacation with a group of 30 friends. We all booked through a travel agent ( XXXX XXXX XXXX XXXX ) that the cost covered airfare, transportation and all inclusive resort. The transportation to and from airport used was XXXX XXXX Transfers confirm # 's ( arrival XXXX departure XXXX I used 2 credit cards ( XXXX and Capital One ) when I needed to do so on this trip. We only left the resort twice ( golf and zip line outing ) both trips transportation was provided by bus/van. On Wednesday XX/XX/XXXX, we lined up a golf outing at XXXX XXXX XXXX ( located in XXXX XXXX ) with the transport round trip provided by the resort. I paid for all 5 of the golfers at the time ( on Capital One ), which the golf course split the payments for {$480.00} and {$260.00}. On Thursday XX/XX/XXXX, myself and 2 others booked a trip to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX 40 minutes from resort. XXXX XXXX company is whom I paid and they provided the transportation and tickets, I paid for myself and one other totaling {$250.00} ( on XXXXXXXX XXXX ). Also, purchased pictures with the monkeys for {$40.00} ( on XXXXXXXX XXXX ), purchased a XXXX and few bags of chips/snacks {$9.00} ( on Capital One ). There was a period of time that my wallet was in a locker at the zip lining course unattended. Those two excursions were the only time we left the resort and would need to use a credit card, since the resort was all inclusive. And the last time I used my credit card the rest of the trip was Thursday XX/XX/XXXX. On Friday XX/XX/XXXX I received a text at XXXX from Capital One asking " Did you make this purchase using my VentureOne Credit Card ending in XXXX? XXXX XXXX XXXX XXXX Approved- {$1600.00}. Text back " yes '' or " no '' to protect your account. '' 30 minutes later I saw the text and instantly replied No, with Capital One responding they will temporarily stop the use of my card to keep account safe. At XXXX I received email that I replied to the email asking Do I recognize this purchase? and my answer I clicked " No, Something's Wrong ''. When answering NO, and they replying they will stop transactions on my card to keep it safe but Capital One did not do that. Then there were 3 other emails sent only notifying me of new transactions charged to my account ( all 4 included ) but no text or email asking me if I recognized them 3 charges to XXXX XXXX XXXX XXXX located in XXXX XXXX ( never have been to ). ( 1 ) XX/XX/XXXX at XXXX for {$1500.00}. 2 ) XX/XX/XXXX at XXXX for {$1600.00}. ( 3 ) XX/XX/XXXX at XXXX for {$320.00} and the other charge to XXXX XXXX XXXX XXXX located in XXXX ( never have been to ) XX/XX/XXXX at XXXX for {$390.00}. That Friday XX/XX/XXXX we never left the resort and once I was made aware of these fraudulent charges, I simultaneously froze my card. My XXXXXXXX XXXX was also compromised on XX/XX/XXXX at XXXX XXXX declined a charge of {$2100.00} and accepted charge XXXX {$210.00} both for a XXXX payment to XXXX XXXX XXXXXXXX & XXXX. XXXX declined the larger charge and confirmed the {$210.00} charge wasn't me and credited me back the amount, confirming that my card was compromised. Saturday XX/XX/XXXX we were picked up by the transportation lined up with our travel agent XXXX to head back to XXXX XXXX XXXX XXXX I was not able to call Capital One due to not having international calling but did reply to the email and texts confirming I didn't authorize these purchases nor did I ever receive the goods or services on XX/XX/XXXX when they occurred. On XX/XX/XXXX I called Capital One to report fraud on the 4 charges that I did not do, and also confirmed the ones that I did ( mentioned above ). XX/XX/XXXX Capital One emailed me a letter denying my fraud claim, only based on the assertion that the chip card had been used. Since then, I have called and I firmly denied, told Capital One there were many periods of time while leaving my wallet in my room unattended due to not bringing it down to the pool and not needing it since the resort was all inclusive, and then also at the ziplining excursion put in locker so it wouldn't fall out of pocket, that somehow the card could have been compromised. Pointed out the fact of why would I need {$3900.00} in rental cars the day before flying back to XXXX, in locations and companies I had never been to or heard of. Also the fact we had all the transportation booked and never used any other transportation outside of what the resort and travel agent supplied. The other fact too of my XXXX card also being compromised but rightly corrected the charges. After calling on XX/XX/XXXX, the representative told me the case was closed and there was nothing I could do. No other reasons were given to me except that the chip was used. I stated I did not receive the accused goods or services nor did I authorize them and I will not be paying the {$3900.00}. I've been a long standing customer with no missed payments over the life of the card and honest confirmations of purchases, to only be wrongly accused.
|
01/19/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
On XX/XX/XXXX, I had signed into my online Capital One checking account to use XXXX service to make a payment transfer ( {$50.00} ) for services rendered by a friend ( named XXXX XXXX ). However, even though I honestly believed I did all the transactions correctly ( because it wasn't the first time I've used it ), the phone number I had entered had an incorrect digit ( instead of XXXX I put XXXX ) resulting in the money being transferred to someone else 's account rather than my friends.
When I realized my mistake after confirming it, I called my bank 's customer service number immediately. The agent I spoke with at the time tried to help me by attempting to stop the transfer but was unsuccessful. He told me that the XXXX service was separate from the banks other services so it was out of his hands. On the note, he gave me some suggestions : first, to try contacting XXXX Customer Service to see if they can help me and/or second, contacting the person I mistakenly had sent the money to ( since her name, XXXX XXXX XXXX and phone # appeared after the transfer was made ). If these attempts failed then I should call back to make a dispute on the transaction.
I followed thru what the agent suggested but nothing came of it. I called the person I sent the money to, leaving her msgs ( followed by a text ). She never contacted me back even to this day. Called XXXX and was not even able to get a live person because their automated operator was dictating that this service number applies only if youve used their app to transfer money, and if it was via the bank I would need to address the issue with them. With no other choice, I resorted to the last suggestion and placed the dispute on the transaction over the phone later that day giving all the details of what had happened, and was given Claim # XXXX.
Even though I was told that it was going to take 5-10 days for the decision on the dispute, I had called a couple of times to follow up on the claim. I had noticed when I was viewing my online banking account that nothing had changed or reflected. Especially, when I clicked on the transfer transaction to see the history there was no indication of the dispute claim as I had experienced from other unauthorized transactions Ive previously disputed. I'd be given the round around that nothing yet was determined and that the claim was still under investigation, and needed to wait patiently within the given time.
It was XX/XX/XXXX, when finally I was given an answer from a CS agent telling me that my dispute claim was denied because " they found no fault in the transaction '' and I will be receiving a letter regarding this decision soon.
Obviously confused and upset about what I heard, I asked to speak with a supervisor because I didnt understand how can they determined this conclusion since I called regarding the obvious error that Id done, and reported it. I continued that when I had filed the dispute I had told them that my money ( in the amount of {$50.00} ) ended up being sent to the wrong individual ( because another name appeared in the transfer in my account that was not my friends ). How can there be no fault in that? So, my hard-earned money ends up lost, for someone else to keep? Theres no such thing as human error ( which happens every moment of every day, everywhere to all of us )? And I am just supposed to accept this decision? Apologetically, the agent answered in short, sorry but nothing can be done.
When I was transferred to the supervisor and addressed the matter to her I had still received the same response. She even questioned me why didnt I double-check before finalizing the entry -- because it asks if you/re sure all is correct ; cause once it goes thru you can not undo it and/or retrieve the money and it states that, too. I told her it wasnt my first time sending transfers thru XXXX and I really believed all was correct, this is why I didnt hesitate to put it thru. Regardless, of what occurred this was unacceptable and wrong in so many ways because no one is perfect. Mistakes, such as type o 's are committed constantly, so that clause shouldnt even exist especially when it deals with money transfers. Banks are supposed to help you when youre using their services not condemn you to lose your hard earn money.
I told her that I was going to report this matter to XXXX, CFPB, and if possible the news. She said I was trying to blackmail them and that it wasn't going to get me anywhere. I answered that this wasn't a blackmail since she wasn't able to help me I wanted to let her/them know my next step. It is wrong to offer and/or provide this kind of service containing this deceptive clause, and it's not even owned by the bank.
After this discussion, I called, reported, and filed a complaint to XXXX ( and the news ). I found out that many people had made complaints about the XXXX transfer services, too ( either thru the bank or app ), and that they were previously known as " XXXX XXXX. '' They suggested I also follow thru reporting it to you as well in hopes that you can help me.
|
10/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
XX/XX/2021 Date of transaction : XX/XX/2021 Merchants Name : XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX {$660.00} After being forced to do my own research for the above mentioned claim, it should be noted that XXXX XXXX XXXX does not follow The Georgia Department of Public Safety guidelines , which covers moves within the state of Georgia ( XXXX XXXX XXXX ). The conditions of the estimate does not include a physical assessment of the items to be moved. According to the non-binding estimate, the carrier can not charge more that 110 % of the quote as a condition of releasing the load. Also, the customer is not liable for any charges that are not specified in the Maximum Rate Tariff ( Lunch Hours, Travel Times, etc ). According to the Bill of Lading, I was allotted a crew size of 3. As well, XXXX XXXX XXXX, cut portions from The Georgia Department of Public Safety guidelines into their Bill of Landing, omitting the above mentioned parts that would support the consumer.
I followed the Rights and Responsibilities guide to movers by writing refuse to sign at transaction completion because of language releasing or discharging your mover or its agents from liability as outlined by the Federal Motor Carrier Safety Administration ( XXXX XXXX XXXX ).
Please see attached documentation from third party on how services differed from services received.
You have received all documentation on how the service differed from what was received.
1 ) How the service ordered was different from what was received : The information provided by XXXX XXXX is incorrect as stated in the document and does not capture the entire conversation. As stated in the initial claim, I did not understand why the move cost so much because they sent three men, with one working, causing the time of the move to extend beyond what was necessary, as well as bill for a lunch break on my time. The initial agreement was for three men and a truck, I got one working, abled bodied man and a truck and that is what I should be responsible for paying for. As, well XXXX XXXX XXXX staff XXXX and XXXX threatened that if I did not pay, they would not unlock the truck and release my belonging. I advised that I would be calling XXXX County sheriffs office and crew member XXXX pleaded with my husband not to allow me to do that because of his background. I then attempted to call XXXX once again, and he no longer answered the phone from my number.
2 ) A card reader was not used for the transaction in the amount of {$660.00}. Please have merchant provide signature and authorization code.
3 ) There is an entire conversation with staff XXXX ( or XXXX ) on XX/XX/2021 completely left out of the rebuttal.
4 ) According to XXXX XXXX XXXX, I submitted by claim prematurely and they attempted to get me to settle prematurely ( please see attached highlighted settlement offers ). I attempted to get refunded on damages, not the move and the company clearly state in their settlement to recuse themselves of all claims against moving cost if I agree and sign this document. What they attempted to do is to get me to accept the settlement prematurely, agree to their terms including releasing the company from moving costs, before Capital One would make a decision. According to XXXX XXXX XXXX verbiage it is not the responsibility of the credit card company to mediate a damage claim, but included verbiage on moving cost within this same claim.
5 ) Please see attached instructions on submitting claim where I was instructed to scan and email claim documents to XXXX.
6 ) Where in my dispute did I say it took the crew 50 hours? Please explain once again how it could possibly take 4.5 hours to load and 1.5 hours to unload?
7 ) If the minimum is {$800.00} at {$200.00} an hour plus an hour travel does not equal {$800.00}. As well, if XXXX XXXX XXXX moved me for a total of six hours ( plus hour travel ), the total cost of the move would be {$1400.00}. They then credited me for $ XXXX/hour and the hour lunch break their crew took off the grid. XXXX ( or XXXX ) checked the GPS and saw and confirmed the moving crew went off the grid on XX/XX/2021 when I called back.
8 ) Where I initialed for start time and stop time, were for start time and stop time. There is no indication that this acknowledges the charges, just start time and stop time.
9 ) Moreover, I see charges for shrink wrap used for my XXXX XXXX and table that clearly didnt work because they were damaged.
There is no proof of a refund voucher other than a credit directly to the card. The merchant tried to resolve the dispute by paying for broken furniture and the garage door, leaving out the cost of drywall repair through their claims department, while the overarching and separate issue was the company sending one working employee and their admittance of flaking off of the job ( undisclosed lunch break and discrepancy in timing ). Again, the initial agreement was for three men and a truck, I got one working, abled bodied man and a truck and that is what I should be responsible for paying for.
|
11/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX, I paid XXXX XXXX of XXXX XXXX XXXX a down payment of {$5300.00} for the installation of an inground pool purchased from XXXX XXXX in XXXX, Ohio using my Capital One credit card account ending XXXX. The work was to begin XX/XX/XXXX but by XX/XX/XXXX he still had not done any work. I contacted him that day and told him I wanted a refund so I could find another company to install the pool. He told me he would be there that afternoon to get started. He did not show up until XX/XX/XXXX. Weeks would pass before her would return and by XX/XX/XXXX all we had to show for our money was a large hole with the wall panels so that day I again told him to refund the money. I had contacted him and XXXX XXXX multiple times trying to get the problem resolved. My last contact with Mr. XXXX was XX/XX/XXXX when he told me he would be here the next week. I never heard from him again after that date.
On XX/XX/XXXX I called Capital One, explained the situation and asked if there was anything that could be done to get the money back. I had paid the account in full before XX/XX/XXXX so I was worried the company wouldnt have any interest in helping. The representative said a dispute would be opened, a copy of the dispute would be mailed to me and I should return any additional requested information as soon as possible. It could take up to 30 days initially and would be closed after 90 days. I believe my account was credited within 3 days and not long afterward I received a letter from Capital One dated XX/XX/XXXX Case Number XXXX informing me additional information was needed to finalize my dispute. I was to complete, sign and return the enclosed form and contract, receipts, etc. by XX/XX/XXXX. All requested documents were faxed XX/XX/XXXX. I have the confirmation page from the fax showing the date and time it was sent.
I had made several follow up calls between XX/XX/XXXX and XX/XX/XXXX asking how the dispute was progressing. Every representative I spoke to assured me everything was fine, XXXX XXXX had not responded and the dispute would be closed XX/XX/XXXX, which was the end of the 90 day dispute period. Never once was I told I filed the dispute too far outside of XXXX XXXX time frame or that the dispute form and supporting documents were not received. Then, on XX/XX/XXXX I received a letter dated XX/XX/XXXX stating they never received a response to their letter dated XX/XX/XXXX, therefore, they reapplied the {$5300.00} charge from XXXX XXXX to my account and now consider my case closed. I immediately contacted them stating I had spoken to representatives multiple times prior to XX/XX/XXXX and was told each time they had everything they needed. But the rep said if I wanted to proceed I had to get the documents to them by XX/XX/XXXX. A secure link was emailed to me so I uploaded all my documents and fax confirmation sheet and sent them again on XX/XX/XXXX. I called for status yesterday, XX/XX/XXXX and after getting no information from the rep who answered, I was transferred to a supervisor who eventually told me I was not going to be refunded.
I can not express how stressful and devastating this has been. I was assured every time I spoke with Capital One that they were going to help me. I trusted that the case was going to be closed XX/XX/XXXX, the credit was going to remain on my account and I still had some security if my husband and/or I lost our jobs due to the pandemic. I dont think its far from the realm of possibility that they did a 180 degree turn on my case simply because so many people have been unable to keep up with their payments due to Covid-19 and the economic havoc its wreaked. The supervisor couldnt tell me why it took so many months before I was told that I didnt provide the necessary documents but when I proved that I had, the problem then becomes that I waited too long to dispute it. She said I should have done it within 60 days of the charge. That was not possible. This was a service for seasonal type of work, not a purchase of an item that was damaged or never received. And I did everything I was supposed to do. First and foremost, I paid Capital One in full. And now Im extremely angry that I cant have my money back, only a credit, so I'm forced to use the card even if I don't want to remain a customer. Consumers are always encouraged to pay with credit cards because its supposed to be much safer and you have the company to back you up if you are cheated. I feel like I was robbed by XXXX XXXX and Capital One. I went to the merchants first, trying to resolve it myself, like I was supposed to do. I filed a complaint with the Ohio Attorney Generals Office as well but they dropped it when I told them Capital One was helping me to get my money back. So because I couldn't predict that the contractor would not complete the work within 60 days, Capital One feels they have the right to steal {$5300.00} from me.
Please review my complaint and help me recover this loss. I know Ive been luckier than a lot of people, but losing {$5300.00} is devastating financially.
|
05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
Capital One Visa Complaint ( Complaint will be made about Capital One and XXXX XXXX XXXX to the FCC, the Secretary of the State of California, and the XXXX XXXX XXXX ).
In XXXX of XXXX I contacted XXXX XXXX XXXX to cancel services at my prior address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and initiate services for our new address at XXXX XXXX XXXX, XXXX, CA XXXX ( account number XXXX ).
The XXXX XXXX XXXX order confirmation number given to me in XX/XX/XXXX for this action was : XXXX.
I've attached verification from XXXX XXXX XXXX which notes this same account number stating that services at the existing ( old ) address were to be disconnected on XX/XX/XXXX. However, XXXX XXXX XXXX concurrently billed me for services at both my prior address and my current address until XXXX of XXXX. XXXX XXXX XXXX did not, and has not, remedied this theft.
In XXXX of XXXX I had called XXXX XXXX XXXX about what I believe are fraudulent credit card charges for XXXX XXXX ( The credit card bill stated " XXXX XXXX '', and not " XXXX XXXX XXXX XXXX '' ). Several calls were made to XXXX XXXX XXXX and an employee there admitted to me that they did have an XXXX XXXX XXXX order to cut off services at the old address dated XX/XX/XXXX, but XXXX XXXX XXXX never acted on their own order to cut off services and kept charging my Capital One Credit Card for the services at the prior address.
I then made several requests for XXXX XXXX XXXX to provide a full refund. Yet, my requests to XXXX XXXX XXXX have been ignored. I was told that an XXXX XXXX XXXX supervisor would call me back in XXXX of this year regarding this matter but no one from XXXX XXXX XXXX ever did call back.
Due to XXXX XXXX XXXX failure to refund the money that they had received, I opened a case ( Case Number XXXX ) with Capital One requesting that all of the charges made for services that Id canceled in a timely manner, and had never used ( as I didnt own or live at the old address for this period of time ), be refunded in full. The total amounted to {$2400.00}.
After providing a detailed accounting of the situation Capital One sent me a check for the full amount- only to later send me a letter dated XXXX that they were going to reapply the charges equaling the {$2400.00}. The " reason '' that they give is that Capital One only allows 60 days from the date of a statement to dispute a charge. I contend that this is not a " dispute '' but a fraudulent action on the part of Capital One because they refused to define their clients ( XXXX XXXX XXXX ) actions as fraudulent and NOT a dispute.
XXXX XXXX XXXX actions and inactions are also fraudulent.
Specifically, Capital Ones and XXXX actions, and inactions, clearly constitute what is known as Constructive Fraud, Constructive fraud in California Constructive fraud comprises any act, omission or concealment involving a breach of legal ( such as Capital Ones failure to define XXXX XXXX XXXX actions as fraud ) or equitable duty ( such as XXXX XXXX XXXX failure to cancel a service ), trust or confidence which results in damage to another, even though the conduct is not otherwise fraudulent. XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 24 Cal.App.4th 555, 562 ; 2 XXXX & XXXX XXXX XXXX. XXXX XXXX ( 2d ed. XXXX ), 3:20, p. 120-121 ; Civ. Code 1573 ( 1 ). If a fiduciary relationship exists, any concealment of material fact is fraud. XXXX XXXX XXXX ( XXXX ) 219 Cal.App.3d 926, 937-938 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX ( XXXX ) 67 Cal.App.3d 19, 32.
Unlike actual fraud, constructive fraud does not require an intentional deception, an intent to deceive being implied from the failure to disclose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) 12 Cal.2d 501, 525. Further, reasonable reliance is presumed upon a nondisclosure of the fiduciary, absent direct evidence of lack of reliance. XXXXXXXX XXXX XXXX ( XXXX ) 1 Cal.App.4th 582, 601. '' By narrowly, and I believe illegally, defining this instance as a dispute, Capital One has dramatically limited the charges considered recoverable from a credit card company ( 2 months versus 1 year ). Capital One/Visas shared definition of fraud, is at best, incomplete and needs to fully reflect all legal definitions of fraud.
Also, allowing corporations to arbitrarily and capriciously define time periods for crimes like identity theft and fraud as anything less than the full seven year statute of limitations is unwise and highly questionable.
I had depended on Capital One to help protect myself from, what I will charitably describe as questionable business practices ; in this they have demonstrably failed. I am requesting that the FTC require that Capital One use the full legal definition ( s ) of Fraud and instruct them to refund all of the {$2400.00}.
This only represents my direct loss, and does not include the time Ive spent on the phone, writing claims, researching legal remedies and writing complaints, which now totals well over 40 hours.
Thank you for your consideration in this important matter.
XXXX XXXX
|
12/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
I refinanced my home loan in XXXX with XXXX XXXX. I had a history of an ok credit rating, but not great so I think it was a predatory ARM loan at a ballooning high interest rate well above the rates at the time of the loan. In XXXX I lost my job when I became XXXX XXXX. I modified my home loan in XXXX expecting a permanent solution to my home loan problem, and was assured by XXXX XXXX that Capital One would be taking over the loans and in XXXX they would change the loan over to a Capital One loan and ensure it was a permanent solution. Instead, Capital One returned the loan to the original much higher interest rate loan, and I could not afford the payments. The payments were more than I made each month after return to the pre modification terms. I was told that if I became late, they could re offer a home loan modification. I was also told they did not participate in HAMP, but they did not tell me they actively were participating in the California KYHC program. I applied over and over for the next 18 months for assistance, and I filed 2 complaints to the CFPB. Capital One lied to the CFPB in both answers, and they sent me a letter on XX/XX/XXXX as the second answer, but they did not mail the letter until after they illegally and without warning sold my home at a trustee sale despite promises not to do so and to give me a full and fair review of my application for alternatives to foreclosure. They told me in the XX/XX/XXXX letter that I had to submit certain documents to have my home loan options considered and replied to. They mailed the letter telling me this less than 8 days before they held the sale to sell my property. they did this without allowing the previously applied for options request to be reviewed despite having everything they said they needed for a review. They committed numerous offenses criminal and civil over the previous 18 months, including performing valuations and appraisals which they promised that if they did so, they would provide me automatically with copies of them, but they never provided a single appraisal or property valuation to me. They lied to me repeatedly on numerous phone calls, and they filed fraudulent and false declarations about contacting me when they had lied about this. They also refused to follow through on a second promise made the date of the home sale that they would stop the sale, and they did not. They also manipulated the payment from the alleged buyer 's funds, when they did not get credited in accordance with state title recission laws, and the trustee and capital one refused to take action after the sale to void it despite numerous telephone calls and written notices of the illegal sale and the lack of notice. Of note, the banks servicing records reflected that they had no notice of postponement as I had complained, and they uploaded the postponement notice to the loan service file just 30 minutes before the sale, after I had called in and said I had not received any notice or postponement that the sale had been put back on the schedule. They did not mail out a notice they were denying my modification application until more than 20 days after they had closed it, and they did not provide information about any right to appeal their decision and therefore they held a sale in less than 14 days from the time I found out they had closed the file. they blamed the late notice on an internal error. They also had failed to disclose when I first became late, that they participated in the California Hardest Hit Fund Program, keep your home California, and in fact denied they participated in HAMP or any other government programs, depriving me of up to {$130000.00} in funding available to me. I had found out over a year after I was late on payments and applied for help, but Capital One refused to work with KYHC so that I could receive the assistance of $ XXXX that I had applied for and was pre-approved for. Had they told me when I was the first delinquent, in the first 90 days, I could have received help paying my loan late fees and payments and put $ XXXX towards paying down my principal. Instead, they lied in numerous ways and sold my home without the promised to wait to reply to the CFPB complaint ( # 2 ) and giving me a fair chance to apply and be reviewed. Just 6 months earlier the president 's offices had also promised that my loan application was complete and that I would not have my house sold while they were reviewing my application, but they did so anyhow. They continued to offer a streamlined modification rather than all options and a real modification offer, and I was forced to ignore it because the proposed streamlined modifications were for payments more than I made each month in gross income and there was no way I could sustain a payment like that for the 30 years of payments they wanted me to obligate to. It was a shocking and obscene attempt to trick me into a home modification that was guaranteed to fail within a few months of payments that were impossible to make and they knew that when they offered it.
|
06/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
I will include several attachments that can more adequately detail these issues but in summary.
As soon as I discovered charges that did not belong to me on my account ending in # XXXX, I reported it to Capital One, and they were removed. These two charges were/are for {$250.00} & {$51.00} plus interest, and numbers unauthorized auto-debit payments each month ...
In my initial letter ( attachment # 1 ) you will see that I provided in advance every documentation I could think of to support the dispute and the two charges as not being valid, and requested for this error to be completed within 30-days, which at first Capital One ( " C.O '' ) did remove. Thereafter they began to write with requests for more and more information. See attachments # 2 & 3, and ( attachment # 4 ) my response to the initial request ( s ) for additional information, on top of what I had already provided in my first certified letter.
In my response ( attachment # 4 ) I pointed out that there was still an additional {$31.00} of interest which still had yet to be refunded. I also thoroughly answered all of these questions as best as I could, because not only were these charges unauthorized by me, they were also for what appeared to be charges for an amusement water park, that I was already a standing annual pass holder for, and therefore would also have no need for individual passes for similar, when I was also already a holder of a multi-park pass.
It appeared to be very after-the-fact, that now C.O. continued to request more and more information, even after faxing the response to there request for more information, with a letter that was sent so late that there was barely time to respond in time for the deadline, I did, and re-faxed again anything additional I needed to add to most thoroughly answer whatever I could, without having any more information to provide them, as again, this was not a purchase that I initiated myself. Surely now they had enough to finalized this dispute, after having already made the initial adjustments from my first letter and now providing anything more within my ability to provide.
Near the end of XX/XX/XXXX, I get yet another request for more information ( attachment # 5 ), and I complied ( attachment # 6 ) ; each time I am making sure to copy and paste their form and type the responses as best as I can answer. To reiterate : I had been billed more than once for the same/similar transactions which are part of a platinum annual pass which I already have and had no need for these other separate passes ( es ), and I do not owe the amounts of {$250.00}, {$51.00}, plus any interest that has been charged on those totals which I have been billed and money has been taken from my account to cover those charges, and I expect them all returned in full, not just partially.
Each step along the way I answered all possible questions, provided proof of being ( 1 ) billed more than once and having ( 2 ) paid for the same transaction by other means, ( 3 ) provided proof of alternate payment documentation ( receipts ) ; again, I was billed by the original merchant XXXX XXXX XXXX XXXX XXXX for Annual Platinum Passes from XX/XX/XXXX, through XX/XX/XXXX. ( 4 ) I included my XXXX XXXX XXXX XXXX , XXXX 's XXXX Terms and Conditions, ( 5 ) Pasted all the credit card charges together that I could locate ( in attachment # XXXX ) and I also provided ( in attachment # 4 ) copies of both XXXX XXXX XXXX XXXX reflecting the covered parks they include, such as XXXX, and the date of the pass expiration " XX/XX/XXXX ''. Again to reiterate, if you look on attachment # 4, pages 7, 8, 9, 10, I have answered all of their questions numbered and answered below where I cut & pasted their form, and then added my responses.
In addition to completing the latest request for more ( of the same information, repeatedly, which I was advised to respond as " Asked and Answered '' if already answered following many times of already having presented before from the 1st certified letter, fax, and 2nd certified letter, again. I made sure I also sent a fax on the day of the deadline so that C.O. was aware that a letter was on its way ( attachment # 7 ) ; In attachment # 8, notice where these two unauthorized purchases have already been removed/adjusted, and a small fraction of the interest, and not the entire interest sum/total. Finally, see in attachment # 9, where on XX/XX/XXXX, the day following the deadline, Capital One, rebills both the {$250.00} & {$51.00} again, which again had not been authorized. They did not honor the same rules as they had spelled out in both their XX/XX/XXXX & ( especially ) XX/XX/XXXX, case letter request ( s ) for more information on case # XXXX ; despite the fact that I complied within the XX/XX/XXXX, deadline by certified letter ( proof of certified letter, Attachment # 7 ), and Attachment # 10, reflecting the date delivered of the certified letter on XX/XX/XXXX. Three days after they had reversed the credits given in the dispute, they now rebilled them back to me.
|
03/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
CAPITAL ONE CASE : XXXX ACCOUNT EDNING IN XXXX Fraud was happening on my card and i told Capital One about it. Capital hires incompetent people in a foreign country to conduct this " CUSTOMER SERVICE ''. Since the fraud in question is " PENDING '' there is nothing they can do nor " HELP '' their customer to " PREVENT '' it. Instead i get incompetent service to where i am dealing with people that do not know what they are doing, nor do they care at all!
XXXX charged my credit card one amount and then charged a different amount after i " checkout '' buy a vacation trip. The amount that i agreed to was not what i was charged! Since this is a vacation trip, it booked a fight and stay in Hawaii. To deal with again, incompetent service from a foreign country to dictate how i can spend my money, rather than being a consumer. The hawaiian flight was no longer available for non-stop flight ; if i did their way on fraud, i will lose the trip i paid for ; between the value of the trip and non-stop flight. Therefore the trip i wanted would have been null. However after dealing with Capital one wonderful incompetent service ; apparently their policies supercedes my constitutional rights as an american citizen. They closed my account down and expect me to pay the remaining balance.
First off, Capital one does not have the right do what they do; ESPECIALLY since they have committed treason. Not sure where it is legal for them to send my private information to a foreign country. Given employees in a foreign country of capital one american rights? So USA company can still be on american soil while conducting services on a foreign country? Does the american government tax those foreigners paychecks that is based on an american company?
Secondly, Capital One forces american citizens to agree to terms of service ; which strips away our constitutional rights an american citizen has, considering justice in court is now justice with arbitration paid by the corporation to get one sided results, their own justice. In other words, they are above the law?
Third, for them to attempt to want money from balance on an account they CLOSED that was always paid on time and also was open for close to 15 years!!!
In conclusion, CAPITAL ONE closed my account down NOT on facts of finances, but on facts with words. Fraud was happening ; they did nothing. Defeats the point of " PREVENTING '' or PROTECTING when you do not protect when the customer is stating the problem as its happening!
I AM PAYING XXXX MONEY TO CAPITAL ONE! NO MONEY TO THEM!
IF THEY WANT THEIR MONEY, then they need to take me to court. They can not have both ways, their way or no way ; again defeats the point of you, government! Since i am not allowed to talk to them, they can XXXX XXXX XXXX to think i will pay them the balance after them doing this to me. By letter in the mail. Thats how i found out. Nice retaliation on by Capital One.
Furthermore with the conclusion, how is it i called about fraud and your employee did NOTHING and i called out their bs while instigating me on the phone is that my " behavior '' is the problem? I mean FRAUD did happen, you, capital one still did nothing about it. Is it still my fault for not following up on the telling you about it? In retrospect, i did call about the FRAUD, not about my " BEHAVIOR ''. I guess not only you are my creditor, you are also my " BEHVIOR '' police?!? But not " FRAUD '' police? Like you advertise and market about. SO, lying is ok, but my " BEHAVIOR '' is appalling enough that it warrants you to violate my constituionla rights as american citizen that has foreigner has MORE rights than i do? I am not a slave!
Also, did you bother to look that i did call back after your stupid XXXX representative for your company did nothing that another represenative listen to my concern and addressed it to make sure that i had information that not only would protect me, but show you, capital one a problem. Instead you closed my account down because of my " behvior ''. Talk about a coverup, scam, shenanigans, total XXXX excuse on capital one side to make things go away. If i was the problem with my credit card, on not making payments, then i would see an issue. However, telling your incompetent represtative, by the way is a female, and HATES men, how is it my fault again??
CAPITAL ONE = XXXX. I mean, they do support it! I am one person, they are global ; i think CAPITAL ONE is more than a threat than one person!
Either way, based on the track record of other legit complaints ; CAPITAL ONE will respond with a letter stating they closed my account down due to my behavior over the phone. Then that is suffcient evidence to conclude that the BIG CORPORATION that supports your paychecks, i mean your taxes. Again, either way, my information will be documented. Thats all that matters to me, so when we finally do to go court. I will show that i TRIED to entrust my government to help, but all i get in the end is just pure incompetence! I can not fix stupid, however stupid dictates!
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11/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I had to travel for work over a 10 day period. The first leg of the trip was to XXXX from XX/XX/XXXX until XX/XX/XXXX. The second half of the Trip was to XXXX XXXX onXX/XX/XXXX for engagements at XXXX conferences in the area returning to XXXX on XX/XX/XXXX.
All required reservations were made months in advance through XXXX and XXXX utilizing the account in question. The first leg of the trip had no issues. On the last day in XXXX, we spent time at the Capital One Cafe, having a fairly good coffee with the account in question, and spoke with the representatives whom looked into our account to make sure everything was properly set for the trip. I was told this also included the fact that we were traveling at the time, but was informed today XX/XX/XXXX that no note about the travel was ever made.
We left XXXX and took a ride share to the airport, made purchases at the airport, checked in our bags, boarded the plane, and got another car in the early morning from the XXXX XXXX airport to the hotel downtown ( after a layover in XXXX ). All purchases were made using the account in question and showed a clear path of travel from the previous destination to the new destination. Such a path should be analyzed by systems determining account suspicion.
Upon arriving at the hotel in downtown XXXX XXXX after XXXX local time, our card was declined when attempting to check in. The balance was well and above the charges which signaled the card was flagged for suspicious activity during travel. This was confirmed the next day with a Capital One representative and was a direct paradox to what we had been told would occur in XXXX. I called Capital One customer service only to be shocked that they do not have anyone on staff or any system in place to actually verify a transaction after business hours. There credit card division had staff but is not able to work with debit cards and verify those transactions to release a card.
We keep all our money with Capital One, a decision I am learning is not an intelligent strategy. Thus the hotel was unable to pre-authorize the card and we were unable to check in meaning we had to simply wait in the dark in downtown XXXX XXXX with our luggage until Capital One offices finally opened so that someone could be reached by phone, which is dangerous inherently.
We also lost our hotel reservation for the week since we were unable to check in. XX/XX/XXXX through XX/XX/XXXX happened to have 6 major conferences going on in the city and all hotels were either completely filled or charging upwards of 5 times the rate of when we booked months before. The hotel of our original reservation was completely booked and we were forced to pay to stay in the one across the street for $ 700+ a night because of the limited availability ( a room normally priced at $ XXXX/night ) after a long night outside waiting on offices to open.
The original stay for 4 nights ( XX/XX/XXXXthrough theXX/XX/XXXX ) was {$1100.00} ( excluding tax and fees ) or {$270.00} per night. The final cost following the loss of reservation and re-booking was {$2200.00} for 3 nights ( first spent outside ) or {$730.00} per night.
I spoke to Capital One on multiple occasions throughout the week asking for a resolutions. After review Capital One determined that their terms of service give them the right to suspend a card for suspicious activity at any time for security purposes, a point that was not under question.
I completely agree and am thankful for a bank ensuring transactions are valid and as was explained to Capital One that is not the source of my complaint. My complaint revolves around the understanding that when a bank or its systems are the sole cause and trigger for the flagging/suspension of access to consumer funds, there should be an immediate or near immediate method of resolution to verify the transaction and allow the customer to access their funds so that dangerous situations like the above do not occur.
Capital One alleges they sent an email for verification which I did receive almost 3 hours later ( time was also confirmed by representative on recorded line ), however at that time the reservations had already been lost and the financial damage already onset. If a bank intends to enact their ability to suspend access to funds, they should also be held to a reasonable expectation of resolution of the matter within a few minutes or tens of minutes. The suspension system is automated, the resolution email was automated, and thus the time differential is really unacceptable.
As the head of a technology department myself, I understand this is a very reasonable expectation. If there are challenges preventing this from occurring, the bank should at least provide a system to be able to verify those transactions and garner access to funds upon the customers request.
Citing a provision from a page in the terms and conditions hidden in a scroll box from 5 years ago is not an excuse for being held accountable to resolving the decision to enact that provision.
|
07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
I am a current cardholder of Capital One.
Ive been diligently working on expanding and improving upon my credit since I had the misfortune of filing for insolvency almost two years ago.
To date, Ive subscribed to every credit management program I can, I routinely check my credit, and actively work to improve upon all of my credit lines, and have actively and successfully done so, to this point and will continue this very behavior. However what I will not tolerate is incompetency, by your employees.
Recently, I became eligible on or about XXXX XXXX to submit a request for a credit line increase, however since such date, Ive submitted multiple requests.
In each instance, I receive the same response.
Credit bureau information missing or unavailable.
This is unexpected, and untrue as Capital One being my existing creditor and this being a soft pull, I wouldnt expect to encounter this issue, however I contacted the credit agencies and ensured my freeze was lifted, and that my fraud alert contained specific phone numbers where I could be reached, which, was actually present upon my initial credit line increase request.
Since, verifying the lifted freeze, confirming its temporary removal, along with the correct information in my fraud alert. Instead of this being resolved once the issue Capital claimed to have in being unable to access my file was remedied, I submitted the request for credit line increase again, and to date I encounter the same message each instance, despite verifiable proof the issue, if there ever were one, was resolved.
I am incredibly upset, Ive spoken to multiple employees and supervisors, and theyre more geared towards not lending help then addressing a potentially legally liable issue, Ive spoken to an attorney specializing in consumer law, based on the fact that my credit information is not only available, but, capital one has been able to access my file regardless of its previously frozen state, and the records will reflect that theyve utilized such privilege and access as recently as XX/XX/XXXX, of 2020 when reporting my account data to XXXX, the very agency they claim not to be able to access my report or information from. They have remained negligent in addressing this concern, bounced it from one person to another, and there's never a solution.
Despite being a good customer, paying their account diligently, and following the proper steps to build their credit worthiness, but encounter an issue in part created and perpetuated by the financial institution, and when said issue is brought to their attention, its sheer insanity how many agents Ive had to go through, just to attempt to get a solution. And to date, Ive still received none.
However, at the end of the day, your adverse action letter is false, misleading, and does not actually indicate the lack of credit worthiness. Therefore, having utilized your call-centers to exhaustion, and attempting to engage a member of your executive relations team to no avail, I am continuously disrespected, and required to engage with staff that are paid and fail to address my concern, lack competency to do such, and instead choose to alienate me as a a customer. This is simply unconscionable, and likely legally infringing behavior pursuant to the regulation z, and the FCRA.
As a result, this will be my final attempt at getting someone with the authority, autonomy, and actual integrity, to remedy this issue immediately, or Ill seek to engage the appropriate regulatory bodies, and if warranted pursue this matter in a civil process.
Please, let me be clear, this isnt a threat of legal action, I am actually simply begging this institution to resolve this concern, and help me as the consumer and as its direct customer.
Below you will find all of the Adverse action letters received, even though, the stated reason is false, and as you can see my XXXX information has been cleared/available for viewing, by relevant and authorized parties, and your entity has used this privilege and authority the day before my original increase request was submitted.
I expect a resolution and the honoring of my valid credit line increase request, without the false statement of being unable to access my XXXX information, or claiming that any details are missing, as this is patently false, and IS ILLEGAL, your agents revealed that you have an internal comment/speech for agents to give to consumers whom may call in and question about the delay in credit reporting, or similar, and thats to inform them of the delay due to the COVID-19, by the agencies themselves. This is absurd. You should notify your customers first.
before/by XXXX the XXXX, 2020. If none is afforded, Ill move forward with the above intent to notify the proper regulatory channels, and if needed pursue the correct remedy via legal recourse. I stress, this is NOT what I want to do, but, I will not continue to be bullied by incompetency, and the sheer size of your institution overshadowing its responsibilities to its customers.
|
10/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
On XX/XX/XXXX I went to look at a XXXX XXXX XXXX used SUV on the lot at XXXX XXXX XXXX Georgia. When I got there I informed the 1st person that talked to me his name was XXXX that I had emailed with XXXX XXXX and XXXX XXXX and that I had my own financing of up to {$14000.00} he joking said {$15000.00}. He got XXXX out to talk to me and I informed him of the financing and he opened the vehicle for us to look at. XXXX comes out and I tell him about my financing and then XXXX comes back and says you do not want this vehicle it takes synthetic oil and premium gas. Ok I was getting ready to leave as I only came in to test drive the XXXX XXXX SUV. XXXX says come in and let me see if XXXX has better interest rates than XXXX. He said it would be maybe a half point on the credit score as he was doing soft inquiry. I also explained to him that I was still shopping and had an appointment to see a vehicle in XXXX XXXX at a dealer I also explained this to XXXX when I saw him, I was only doing preliminary shopping for a used SUV. I also told him if he had a used manual transmission on the lot he needed to get rid of to let me know. He gets my information and disappears for about 30 minutes. When he comes back I specifically asked him are you checking with BANKS on my behalf and he said NO and left again and went back into another office. Another 30 minutes passes and I was getting ready to leave as I did not think it took that long to find out what XXXX interest rates were. He then takes me over to XXXX XXXX desk and XXXX writes on a scrap piece of paper that he can get me a XXXX new XXXX XXXX manual transmission for {$480.00}. a month. I started laughing and was getting up to leave and he said what can I do to get you to buy this vehicle today. I laughed even more I thought this was all rather funny as I had told him now on several occasions that I had my own financing even showing both XXXX and XXXX the email from XXXX and that I was still shopping and had plans to see more used SUV 's in the next several days. He said we can get you the new XXXX XXXX manual transmission for {$11000.00}. and it will be {$480.00} a month. I said no thanks and left. My XXXX year old son was with me and will attest to these facts also. The next day XXXX calls up and says good new we can get you in the XXXX for {$390.00} a month I was like what ... I told him that I had already told him on several occasions I was not ready to buy nor was I shopping for a new vehicle. Then I get notification from my bank that several hard inquiries had been run on my credit. I contacted the 3 lending institutions that I saw and inquired if any were XXXX financing none were. I contacted the manager of the dealership to give him a chance to correct this wrong. He said he was not there that day and he would check for me. He called back and said that XXXX had not informed the assistant manager that was there that day that I had my own financing nor did he tell him that I was shopping for a used vehicle. That XXXX had informed him that I desperately needed a vehicle. I did not give any one permission to try to get me financing nor did anyone ever ascertain from me the terms I would want to obtain a loan or even how much down payment I had as this information was already in my loan application with my bank XXXX and I had been approved for a loan through them for up to {$14000.00}. on a used vehicle of my choice. The manager said he would not contest when I sent my letters to the credit bureau that they ran unauthorized loan applications without permission using my information. But I find this practice very unethical and they lied to me and I am sure running someone's credit information without permission is wrong and should be prosecuted. I have further received a letter from XXXX that says they declined to give me a loan. I called them and told them I did not apply for a loan with them. They were not interested in finding out that XXXX XXXX XXXX Georgia ran this without my permission. It would seem that every bank that XXXX XXXX XXXX Georgia pulled into this scheme of illegal behavior would also be culpable. I am not sure of the number of times they applied for credit for me without my permission or knowing how much I had to put down or any terms that I would want to complete a loan. The manager said XXXX never checked XXXX financing and that would only take a phone call and he did not need my information to ascertain the interest rates from XXXX. This seems to have been deceptive from the beginning nor has anyone informed me the interest rate or any other relevant information that I would need to make a determination. This was deceit from the beginning and these actions have been detrimental to me. These actions have harmed me as now the interest rate of my approved loan will be adversely affected by the deceitful actions of XXXX XXXX XXXX Georgia. I will be happy to provide any and all information that you will need along with the contact information for my witness.
Reply Reply All Forward
|
09/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
On XX/XX/XXXX Capitol One restricted my accounts stating that there was fraudulent active and requested information would be required to reinstate. That information consisted of a state-issued ID, copy of the front and back of social security card, and utility bill in their name. Those authorized users that I added were my XXXX sons and aunt. I called and spoke with a rep, it was advised that without the requested documents the account would remain restricted. I expressed my concerns with them.
1. This information was not requested from me to enter the contract with Capital One credit card.
2. As the account holder, I am held responsible for all charges that are made by those I add to my account, their personal information should not be required.
3. XXXX of my sons that were added were under XXXX, do not have utilities in their name as they live at home, and do not have state-issued IDs. Neither of them has jobs nor driver licenses. Two of the three things requested are not available to provide.
4. They had a security breach in the summer of XXXX I was never notified yet, they are requesting that images of sensitive information be uploaded to their website.
5. The inconsistencies of their policies. My wife also has an account with them and her account was restricted for the same reason and was able to call and provide verbal details to have her account reinstated.
When I advised that I was not comfortable providing those details, I ask for them to be removed from the account as authorized users. At that time it was advised that they would not be able to remove them since they were added the requested information is required or the account would remain restricted. After trying to compromise by just removing them or providing the requested information for myself alone. Again, I was told that was also not an option as this is their policy.
My wife was able to call in and provide verbal details for each of the authorized users to have her account restricted. Also, she and I have been authorized users on a family friend 's card for over 2 years and have never been requested to provide the " required '' information, nor has her account ever been restricted by adding us.
I received a letter from Capital One on mid-XXXX XXXX, that stated if this issue was not resolved then both of my accounts would be closed. I again, called on XX/XX/XXXX to try to resolve this issue by reexpressing my concerns and to have the authorized users removed from the account. The last rep that I spoke with was XXXX ( rep ID # XXXX ) he stated that they couldn't be removed. At this point, my wife and I were both speaking to him on speakerphone. She stated that she added the same three people to her account on the same date and her account was also restricted. However, she was able to call, speak to a rep, provide the socials, date of birth, and address. Once she gave that information her account was reinstated on XX/XX/XXXX and has been active since.
XXXX stated he would look over the account and see what he could do. In the background, there was what sounded like a child speaking and an adult voice. I expressed concern regarding the privacy of my financial information and was place on hold for him to research what could be done to resolve this issue.
Upon his return, he stated that the requested information is still requested as that is the policy. XXXX also advised that my wife 's account was now restricted again as it was reinstated incorrectly. For 10 months her account was unrestricted, they have collected interest from her on a monthly basis and did not suspect fraud on the card at any other time, even when used out of state for the first time. XXXX was not provided identifying information from my wife to access her account only her name. When we ask to speak to a manager he stated that he was as high up that we could speak to and if we wanted to talk to someone else we would have to call back in. I ask for the call ID for this conversation, he stated that they do not have those and that he could provide a case ID # XXXX We explained that we have tried to verbally verify the authorized users, remove them, and provide our information. Again, when I entered the contract with Capital One I became responsible for any and all transactions that were made on these accounts. Capital One did not need this information to open an account and give me access to credit. These accounts being closed will be unjust and their actions are inconsistent and unreasonable and as a result, my credit will be directly affected. Also, even after the accounts were both restricted both were paid down to a zero balance. I have never had a late payment, I have always paid more than the minimum balance and been responsible for my account 's transactions.
The last four of the account numbers that are being affected are XXXX -QuickSilver and XXXX Quicksilver. case ID # XXXX Thank you for any assistance you can provide and please advise what is the outcome once available.
XXXX XXXX,
|
02/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
On XX/XX/2018 @ XXXX XXXX Est I contacted Capital One application dept. and was told by representative XXXX that I could either go online or upgrade my existing Capital One card to the Venture card and the terms were as expressed in the promotion I had seen online ; XXXX miles per {$1.00} spent, XXXX bonus miles if you spend {$3000.00} in the first 3 months of having the card, 0 % APR for 14mo., 10x miles if pay at XXXX & {$95.00} annual fee. She stated there was no difference other than I would have two Capital One cards if I applied online. I applied for the Venture card and was denied. I called back to Capital One at XXXX XXXX Est immediately after this happened and spoke to XXXX in customer services who transferred me to XXXX in the application department. According to XXXX, XXXX gave me incorrect information and since I applied for the XXXX card online this would show on my credit report as a hard inquiry. I was not informed by XXXX that applying online was going to affect my credit because I was already approved for the XXXX card. In our conversation credit inquiries were not discussed, even though I should have known so being I was processing an application, and it is within the disclosures. XXXX provided me with the telephone numbers to the 3 credit bureaus : XXXX XXXX XXXX XXXX and advised me to call and ask if a hard inquiry had been made by Capital One today, XX/XX/2018. She asked me to do this because during our conversation I told her I forgot to remove my security freeze on my account. I stated I would call, however prior to doing so could she please go over the Venture card terms with me again so I could make sure I had them correct because she told me that applying online was different than upgrading my credit card. She stated the difference was when I applied online I would have been eligible for the 50,000 bonus miles if I made {$3000.00} in purchases in the first 3 months of obtaining the card and there was no Apr. for 14 mo., along with all the other options. She said but if I upgraded my current Capital One card I would not be eligible for the XXXX bonus miles or the no Apr. for 14 mo., however all the terms of my current card would remain the same to upgrade to Venture ; those terms are no annual fee, interest rate same as it is now and then I would get the other XXXX benefits, XXXX miles per 1.00 spent and I could use hotel.com/venture and get 10x miles per 1.00 during this promotion. She did put me on hold and check on these terms with someone prior to stating them to me. I hung up and the only credit bureau I could contact was XXXX and I was told there was no hard inquiry today by Capital One. I had to request a copy of my credit report from the other two bureaus and check them after they are mailed to me. When I called back and spoke to XXXX at XXXX XXXX Est to upgrade to the Venture card she started to give me different terms than XXXX had and I requested a supervisor, and XXXX subsequently answered. When I expressed my frustration to XXXX about being told all the different information about the terms of the Venture card and if I applied for a new one versus upgrading my existing card and all the different answers the representatives had given me he was less than sympathetic and unwilling to help me resolve the problem. I stated all I wanted was the Venture card promotion through upgrading my card, I had never asked for a new card or wanted another credit card or different one. XXXX went on to tell me I could not upgrade my existing card and receive the promotional features ( 50,000 miles if you spend {$3000.00} in the first 3 months and no annual percentage rate for 14 mo. ). When I explained to him that because of Capital One 's representatives giving me misinformation I may have a hard inquiry on my credit report, which could possibility lower my credit score and in order to now get the Venture card I must either further reapply for a second Capital One card ; which comes with the risk of being denied, taking another hard inquiry on my credit report, and a possible effect on my credit history, or upgrade my existing account and according to XXXX to have the Venture card ; pay {$95.00} annual fee, receive 2 miles per {$1.00} spent, no 50,000 bonus miles, no 0 % Apr. for 14 months and I can use the hotel.com/venture and receive 10x miles for every {$1.00} spent. When I asked what will Capital One due to compensate me for the fabrications and inconveniences told me by their representatives now that I may have a hard inquiry on my credit report and even though I can upgrade to the Venture card I get none of the bonuses i.e. XXXX miles if spend XXXX in first 3 months and 0 % Apr. for 14mo. or even the misinformation from XXXX and no annual fee of {$95.00}. He stated nothing that Capital One has no responsibility and went on to ask if I would like to upgrade or not. I did upgrade my existing Capital One card to the Venture card after being read a disclosure by XXXX. I was not given any bonus features.
|
07/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
For : Federally Protected Consumer Rights Violations Under 15 USC 1692, 15 USC 1681, 1602 Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact so be it, The Fair Debt Collection Privacy Act is intended to secure my right to privacy and my privacy have been breached so be it and ; I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.
Pursuant to 15 USC 1681c- my consumer rights were violated by not having the alleged debt deleted from my credit file when I informed you that I was a victim of identity theft. I never applied for a loan which would cause me to be in debt and owe any outstanding balance. It is unlawful to attempt to collect on a debt that is not owed. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1681b- my consumer rights were violated by not having my written instructions to report anything on my behalf to any credit reporting agency. There is no permissible purpose to report anything without my prior authorization! There is no law that states you have to report anything be reported to any credit reporting agency so I demand it be deleted from all credit reporting agencies immediately. The civil liability for this violation is {$1000.00}.
Pursuant to 12 CFR 226.15- Right of Rescission- I was never told about my Right of Rescission of this alleged debt. Can you produce where a Right of Rescission was given to me? You can not because one was never sent to me. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692e- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The character, amount, or legal status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting
any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}.
Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}.
I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and XXXX out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies!
XXXX XXXX
|
11/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
Friday, XX/XX/XXXX Time : XXXX - XXXX Credit Report Dispute ( Bureaus Contacted on XX/XX/XXXX by Priority mail ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file pertaining to credit cards and accounts with Capital One due to the inability of Capital One to locate the Menards Card account upon my voluntary attempt to pay off the debt, as well as Capital Ones inability/unwillingness to lower the current balance of {$1300.00} for a full or partial pay off, in combination with the Menards Card. I wish for a dismissal of the Menards Card be granted due to the increased length of time with a derogatory payment history, despite my attempts to pay such closed account off and Capital Ones disclosed inability to locate such account in order to process my payment under the card number, my social security number, my date of birth, my phone number, my address, and all other personal information provided in attempt to pay such debt reported to all three credit bureaus.
I have circled the items I dispute on the attached copies and scans. Furthermore, and importantly, I have transcribed high level details of the phone call that took place on Monday XX/XX/XXXX between XXXX - XXXX on a recorded line with Capital One and myself. I certify the aforementioned and following are true and accurate : On XX/XX/XXXX I voluntarily contacted Capital One at XXXX in attempt to pay down or off an open Quicksilver credit card ( Card # : WITHHELD PER INSTRUCTION ) and charged off Menards Card ( WITHHELD PER INSTRUCTIONS ) serviced by Capital One according to the back of the card I was provided with ).
I provided by social security number to access my account, made contact with a female representative ( ID # : XXXX ), and was informed I was on a recorded line.
I provided by personal information for additional verification and I informed the representative that I had two accounts ( QuickSilver Credit Card and Menards Card ) serviced by Capital One which I wished to pay off or down the balances owed with {$1200.00} at the time of that call.
QuickSilver Credit Card The representative ( ID # : XXXX ) identified my Capital One Quicksilver Credit Card with an outstanding balance of {$1300.00}. The credit limit was {$1000.00} and I had made regular payments for a lengthy period of time before recently falling into unexpected, heavy burdened financial issues that allowed my account to fall behind. Despite such, I had paid close to {$1200.00} in interests and fees to Capital One to date and the account is still open on XX/XX/XXXX at the time of this dispute.
Despite a polite conversation, the representative was unable, or unwilling, to lower the payment amount for a payoff. She informed me that she had not been prompted, or did not have the option, of lowering the amount due.
Capital One/Menards Card More importantly, and in regards to the direct nature of this complaint, On XX/XX/XXXX, at the time of the aforementioned phone call on the same recorded line with the same representative, our conversation shifted toward the Menards Card.
I wanted to very much pay off the balance of the Menards Card in order to improve my credit score and payment history as the credit utilization was far above 100 %, despite several payments that couldnt meet minimums in months past and did not qualify ( apparently ) for enough funds in order to avoid 30/60/90 day late payment statuses.
At the time of the phone call, I was informed that the Menards Card and account could not be located for payment. I provided my social security two additional times, as well as the Menards Account Number/Credit Card Number two or three additional times. My date of birth, address, full name, and all other information were provided on multiple occasions during the course of this phone call.
I voluntarily made every attempt to allow Capital One to access and identify the account. I asked to speak with a supervisor.
Upon conclusion of speaking with the representative and supervisor, Capital One was unable to find, identify, or acknowledge the existence of the Menards Card Account through the duration of the phone call. I was subsequently unable to make a payment.
o On XX/XX/XXXX, a derogatory remark for missed payment was made on my credit report for Capital One/Menards in the amount of {$270.00}.
o The balance owed on the Menards Card on XX/XX/XXXX was recorded as {$780.00} total, but the credit limit was {$500.00}. {$270.00} was past due and the payment status was 120-149 days late. An additional derogatory remark was added after this conversation on XX/XX/XXXX ( despite Capital One 's inability to locate the card for my payment processing ).
Additionally, the supervisor was unwilling or unable to lower the amount due on the Capital One Quicksilver Account, indicating that she did not have such ability to do so.
|
11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
After a BRUTAL divorce after turning in my husband for committing CRIMES against ME and MY daughters using my financial information, I found myself in the position to have to get secured cards to rebuild my finances and life.
I got a secured Capital one card ( {$1000.00} ) and I have a capital one Neiman Marcus card that is unsecured ( {$3000.00} ).
After obtain the accounts I was unable to see them online due to a credit card my ex-husband had fraudulently opened in my name that is also in my divorce decree and criminal proceedings as not mine. Regardless, capital one found it difficult to provide me an online profile to observe, pay and monitor my accounts. They put in a ticket and I waited. months later I spent XXXX hrs trying to get that rectified. I even FLEW at my expense to XXXX ( the closest branch ) to fix it and even opened up a checking account to push forward their correction on their digital profile of me on the back end. The bank and credit card are seperate entities. I spent hours on the phone with the credit card division and they assured me it would be fixed.
I decided rather than HARM myself with closing my cards I would just have to make sure to phone in payments when I used them, which i did.
In XXXX I used my Neiman Marcus UNSECURED card so I phoned to make payment on my account. My balance went to XXXX, though during the time of paying that card the phone automated system told me I had a small balance on my secured card which i assumed was mine or didn't pay attention to what it was- I paid that too. I pay my bills always.
In the wake of a grueling divorce, during which I reported my former spouse for illegal activities committed against me and our children using my financial credentials, I was compelled to secure credit cards to rebuild my financial stability.
I acquired a secured Capital One card with a limit of {$1000.00} and an unsecured Capital One Neiman Marcus card with a limit of {$3000.00}. However, due to a credit card fraudulently opened by my ex-spouse under my name- a matter addressed in both my divorce decree and criminal proceedings - I was unable to access these accounts online. Despite this, Capital One struggled to provide me with an online profile to manage my accounts. After months of waiting and numerous attempts to rectify the issue, including a personal trip to XXXX XXXX XXXX at my own expense and opening a checking account to expedite their correction of their digital profile of me, the problem persisted.
Rather than jeopardize my credit score by closing my cards, I opted to make payments via phone. In XXXX I used my Neiman Marcus card and subsequently made a payment over the phone, bringing my balance to XXXX. During this process, the automated system informed me of a small balance on another card, which I also paid, assuming it was legitimate. It could have been my daughter 's too so I paid it.
Recently, I received a call from Capital One alleging missed payments on my secured card - a card I no longer possessed due to a XXXX balance. I promptly filed a dispute. Today, while finalizing my mortgage paperwork, I discovered an alert regarding a severe delinquency in my payments, an impossibility given my practice of paying my bills in full to avoid interest. Upon investigation, I found the delinquency originated from Capital One.
I contacted Capital One and was informed by their representative that I must make a payment while they investigate. I contested this, explaining that making a payment on a fraudulent charge would imply acceptance of the charge, and urged them to correct the delinquency report. I was then informed that the charges were deemed valid because I had unknowingly paid a fraudulent charge on the secured card while making a payment on my unsecured card.
Furthermore, an additional charge of {$64.00} from the same fraudulent company was recently posted to my account, despite Capital Ones knowledge that I do not possess a credit card. They have yet to issue a new card following my fraud report, yet continue to hold me accountable for the fraudulent charges, knowing full well that I can not access my accounts and do not receive paper statements.
The representative insisted that it is my responsibility to review the statements, despite my lack of access and the fact that I was informed in XXXX that requesting paper statements would incur a {$12.00} charge. Consequently, due to less than {$100.00} of fraudulent charges, Capital One has severely damaged my credit profile and refuses to rectify the situation, all because I unknowingly paid a fraudulent charge while attempting to responsibly manage my finances. This has resulted in the unwarranted destruction of my credit. This is a clear violation of my rights as a consumer and I demand immediate rectification. I have always been diligent in managing my finances and this incident has caused me undue stress and harm. I trust that Capital One will take immediate action to resolve this matter.
|
04/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
In mid-XXXX XXXX I received the normal email from one of my credit cards companies. The routine monthly email informed me that my monthly statement was ready for review even though my balance was {$0.00}. When I attempted to login to my account, I received a message on my screen that " something was different, and they would need to send a verification code to one of the numbers on my account. '' Just below the two numbers listed was a line that says, " I do not currently have access to those phone numbers ''. Since those numbers were the numbers that belonged to my sister whose house I stayed in while visiting the United States on multiple occasions. In fact, I always called Capital One to inform them of my location and on the numerous occasions I came here to the XXXX ( I was courting my wife ) it takes several visits I called Capital One to update the phone number I use in the XXXX. The CSR always told me that they could not put the phone number in my account because it was an overseas number, but she would annotate my account. I used the card numerous times while here in the XXXX and never had a problem. Suddenly, I can no longer access my accounts online and would receive the error described above. I called immediately and after several minutes was transferred to someone who asked me to verify my identity through sending a copy of my stateside drivers license. I explained that the rules here in the XXXX recently changed and my stateside drivers license was only good for 30-days and after that I had to get a XXXX drivers license and when I did that they the last drivers license I had from XXXX ( yes I lived and worked there for 10 years before visiting the XXXX ) into pieces but I do have a copy of the drivers license from when I lived in XXXX but it expired. I was sent an email with the following instructions " Re : Case Number XXXX As mentioned, we need some supporting documents to process your case : Personal Identification Youll need to have all documents available on your computer or device to upload themyou may need to scan or take and save pictures of hard copies. When you have everything ready, just upload and submit your documents by using our secure link. Please dont reply to this email with attachments or questions.
This link will be valid for 14 days. After that, this link will expire, but you can contact us if you need a new one.
Once we receive the supporting documents, well continue processing your case.
Thanks for choosing Capital Oneits great having you with us.
I immediately did what they asked and followed-up with a phone call. I was told the issue was in the " backroom with the boys '' and they would get back to me. I waited about a month called again an got the run-a-around and that I would get a call. So, I gave up. However, month after month I would continue to get the notifications that my statements were ready to review and login to review.
Finally, this month XXXX ( XXXX ) I decided to find out if things were fixed and not surprisingly nothing was done. I called again and spoke to a CSR who was very helpful, and she told me that the boys in the backroom wanted me to take a picture of the reverse of my drivers license being sure the bar code was legible. She then told me that she would send me a text that I would reply with a copy of the reverse of my drivers license with a clear bar code. I explained to her that the phone system in the XXXX does not allow picture attachments to texts and about that time the " load '' or what we would call pre-paid time was running out. The boys in the back room knew about the phone system here in the XXXX because on the two other occasions I called and I specifically told the CSR and one of the boys in the backroom that we use prepaid phone cards here but I always use the same SIM therefore I always have the same phone number. The same phone number I would call and give them when I was in the XXXX.
I explain to explained to one of the boys I the backroom that I have gotten married and I'm back in the XXXX working the immigrant visa to bring my wife back to the United States with me and this time I would be in the XXXX for several months and need the cards not so much for buying things here but just in case I needed to make emergency travel planes to leave the country in an emergency. The only other reason I had the cards used is to keep them active while her in the XXXX. I never overcharged either card or always paid on full. I have at least two car loans with Capital One and have never been late on any payment.
I explained to the CSR the other day that I am currently in 24-hour lock down and can not leave my house except to buy food and water and I limited to the number of times per week I can go. So throw on top of that this non-issue of my identity with a credit card company I have always been a loyal and on-time paying customer with on top of conditions I can only describe as near martial law and my frustration level is very high.
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02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX on my XXXX XXXX.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by Capital One will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures.
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you Capital One are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
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04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I was contacted by email by a company, which later turned out to be fake, offering me an employment position. I searched for the company under both their LLC in XXXX XXXX XXXX, as well as the XXXX parent company in XXXX. Based on this search, the company seemed legitimate.
It is worth noting that during the time of this scam, I was unemployed due to the COVID pandemic and had been desperately seeking full-time employment for a period of 24 months.
After several communications by email and telephone, I was offered the position, which I accepted in early XXXX. Note that the telephone communications were normal job interview-type communications. I was both the recipient and caller of the provided number ( XXXX ). I am aware that many scams use fake phone numbers, but any time I called, the company representative, who called herself XXXX XXXX, answered the phone.
Also, when I was later given the routing and account numbers to make payments towards my Capital One account, I called XXXX XXXX ( based on the employer-provided routing number ) to confirm that the account was legitimate and that funds were available.
Once the employment contract was executed, as was given several assignments as per the employment agreement under the probationary period. These assignments were as follows : 1. Purchase the specified items, which were all XXXX computing products, using my personal credit card ( again, as per the probationary period ).
2. Send a screenshot of the charge from my Capital One app as well as a picture/scan of the receipt.
3. Transfer the funds from their account, using the provided routing and account numbers from XXXX XXXX to make a payment against my Capital One card.
4. Wait until the payment had posted to my Capital One account.
5. Once the payment was posted to my Capital One credit card, they provided me with a pre-paid XXXX shipping label and associated commercial invoices.
6. I then packaged the products and brought the package to XXXX with the shipping labels.
After having completed several such assignments, and only about 5 days later, did I learn that the payments that had been posted to my Capital One account were rejected due to insufficient funds. Again, these payments were being made against my employers XXXX XXXX account ( their provided routing and account numbers ).
Of course, as soon as this happened, I became aware of the scam. I ceased all activity and reported this to Capital One. Expectedly at this point, all subsequent attempts to contact this employer by phone or email have been unsuccessful.
It is VERY important to note that I DID NOT SHIP ANY OF THE ITEMS UNTIL AFTER THE PAYMENTS HAD POSTED TO MY CAPITAL ONE ACCOUNT.
Upon initially making these payments to my account, they were in Pending status. It was only 24-48 hours later when the payments changed from Pending to Posted did I ship these items. As such, it was my understanding that the change from Pending to Posted indicted that the payments were complete and that the funds had been successfully transferred to my Capital One account.
It was only later, once these payments were rejected, that I learned that Capital One had not yet actually transferred the funds from XXXX XXXX
The payments made under this account are as follows : Date Amount XXXX XX/XX/2022 {$8600.00} XXXX XX/XX/2022 {$6300.00} XXXX XX/XX/2022 {$7100.00} It is my assertation that Capital One assumed the risk of posting the payments to my account as complete, despite the fact they -- Capital One -- had not actually received the funds from the payee ( XXXX XXXX ). Had these payments NOT been posted to my account, I would NOT have shipped the items. But because the payments were posted, I shipped the items since I had been fully reimbursed from them.
The risk taken on by any credit card company is of unsecured assets. So, whether Capital One refutes the purchases/charges with XXXX and XXXX XXXX versus the payments between XXXX XXXX is of little concern to me. I am stating that I am nonetheless not responsible for these charges.
I have reported this crime to the following agencies : XXXX XXXX XXXX XXXX ( report # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX related to routing # XXXX, account number XXXX US Federal Trade Commission ( Report number : XXXX ) XXXX ( the email service they used ) New York State Department of State ( where the company LLC is registered ) I am more than happy to discuss this further or provide any additional details. I may be contacted by phone ( XXXX ), email ( XXXX ), or in writing at the above address.
At this point, Capital One has refused to assist me with this fraudulent activity. They will assume NO RISK and are forcing me to pay for this scam, all resulting from the fact that Capital One POSTED THE PAYMENTS I HAD MADE. So at this stage, my complaint is against Capital One.
Thank You and Best Regards, XXXX XXXX XXXX XXXX The Capital Case Numbers are as follows : XXXX XXXX XXXX XXXX
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03/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I reached out for help on XX/XX/2021 after no help from the Merchant ( XXXX XXXX ). I received wrong parts and the company said I would need to pay for shipping costs to return them. Shipping costs would have been expensive since the parts were heavy items such as brake pads kit, etc. I read their return policy states they will not accept returns if boxes are damaged and I received the boxes already torn up with damage so I was afraid to return the parts and not receive a refund. I went to capital one for help because I didnt know where else to turn. The same day-XX/XX/XXXX after the phone call with Capital One, I sent a signed letter explaining the situation in full, explaining my fear of returning the items, I sent a photo of my proof of purchase as was requested by Capital One, and shortly after I received a letter in the mail saying that my support and documentation was not adequate so my case would be closing. I called and spoke with a representative who ASSURED me the case was still open and they were still trying to get my money back. On XX/XX/2021 I was told to send further proof of my claim and another signed letter explaining the photos I sent-which included email correspondence between myself and the company, screenshots off their website under buyers guide showing the exact parts I purchased would fit, also showing the same order parts as was on my receipt. I ALSO included the correspondence where XXXX XXXX customer service told me because I have opened a case with my credit card company, I have forfeited my right to return parts and would have to wait and see what the credit card company will do for me. The last call was made on XX/XX/2021 where I was told to return the parts and I could get a refund, but I called right back after remembering the email from the company saying I could not return my items and I have forfeited that right. I sent that email prior to this, so Capital One should have known I was not able to return these parts, had any agents read the prior notes. I was then given a 3rd request to upload another signed letter and the photos of the damaged boxes. I questioned why this was necessary since Ive given all the other proof and the Merchant wont accept my returns anyway. They assured me this would help the case so I did as they asked. Shortly after this, I received a letter from Capital One dated on XX/XX/XXXX ( the same day I was told to send another signed letter along with photos of the damaged boxes ) that my case was closed and the time frame of 60 days is now over so the case is closed. As soon as I read the letter, I called on XX/XX/2021 and spoke with 2 different people who were clueless about my case and I requested to speak with a manager. The manager I spoke with said my case was STILL open and continued to place me on hold. She came back 20 minutes later to tell me the case had actually closed at the end of XXXX. When I questioned her about this and why I was asked twice since the end of XXXX to send more letters and proof, she said they were trying to re-open the case. I didnt even know they closed it since every time I called and asked, an agent would tell me the case was still open. She also said the merchant responded saying that I could return the parts ( which is a lie since I have email proof of them telling me I could not ). I never heard a word about my case- I didnt hear the response from the XXXX or that they closed my case. Yet they were still requesting further items and documentation from me for an entire month after the case closed. I gave plenty of opportunities to get the truth from Capital One because every time I called, I would specifically ask about these letters I received at home saying the case was closed but every person said it was NOT closed ( including the Claims manager on XXXX XXXX ). Why was I left in the dark throughout my case and why was I lied to by every employee I spoke with? And then asked to waste more of my time by sending additional letters, photos, documentation, etc. After explaining to the manager that I sent email proof showing the company refuses to accept my returns, XXXX ( Claims Manager ) placed me on another hold to explore my options and came back to tell me since the case was closed at the end of XXXX, youd have to work with the Merchant for a return at this point. So, because my case was closed at the end of XXXX but was still showing open to employees I spoke with, I never had a chance to even write a disagreement letter to the Creditor ( which needed to be sent within 10 days based on XXXX ) because I never heard a response or update to the case. Also based on XXXX, wasnt I supposed to be told promptly and in writing how much I owe if the case had been settled and closed?? I feel like I lost all my rights because Capital One never clearly stated to me that my case was closed and by the time I found out the case closed, it had already been over a month and there was nothing else I could do.
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09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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While reviewing this complaint - I noticed that the wrong verbage is showing in another section. I am NOT trying to get a credit card. I am trying to file a Fraud Complaint that someone else opened a credit card in my name without my knowledge. I do not know the people and I have never lived at the address they used.
Here are the events that occurred : I started to get my limit lowered on credit cards and bank accounts so I looked up my credit score. I found an account that someone else opened using my personal info. They used their own address so I never received a bill and had no idea they opened the account in my name. I called Capital One on XX/XX/XXXX to see what was going on and they gave me the address that the people used : XXXX XXXX XXXX, XXXX, MD XXXX. They told me that they would open a fraud claim an investigator from the fraud department would call me within 45 days to ask me questions. No one called me. I also filed a Police Report on XX/XX/XXXX at XXXX XXXX with the XXXX County Sheriff 's Office - Tracking Number : XXXX. On XX/XX/XXXX I used the State Department of Assessments and Taxation public records to find out who the owners of the house are living at the address in XXXX. The owners are : XXXX XXXX and XXXX XXXX.
Please note : the Capital One employee gave me this information- and told me that these people used my information to open the account on XX/XX/XXXX and then they used the credit card to buy {$12000.00} worth of items.
On XX/XX/XXXX I received a letter with Capital One 's letterhead stating that their " research found no signs of fraud ''. So I called the number and entered the extension on the letter on XX/XX/XXXX at XXXX XXXX. The voicemail said that the person was busy. I called again at XXXX XXXX and again at XXXX XXXX. I left a message at XXXX XXXX. They called me back at XXXX XXXX - my phone rang once and I answered it but they hung up on me. I called them right back at XXXX XXXX and they were not available. On XX/XX/XXXX at XXXX I called and left another message. No one called back. On XX/XX/XXXX at XXXX I called and they were not available. I called again at XXXX XXXX and did not enter the extension # provided on the letter - and that is when I used the menu to get to another place and heard that I had been calling : XXXX, XXXX XXXX XXXX, XXXX. ( a debt collector ). I looked them up online and there was a place to leave a message and request an appointment for someone to call me back. I scheduled a call back appt for XX/XX/XXXX at XXXX XXXX. No one called me. I did screen shots of their site which verified my appointment. On XX/XX/XXXX at XXXX XXXX I called Capital One. I first spoke to " XXXX in XXXX, Florida '' who said that the fraud case was " in recoveries '' and she would have to transfer me to the fraud department. I told her about the letter and all of my attempts to call XXXX, XXXX XXXX XXXX and that no one from Capital One ever called me back. She was very nice and made sure that she transferred me to a supervisor in the XXXX XXXX. At XXXX XXXX - XXXX who claimed to be a supervisor in Fraud answered my call. He looked at my account for about 20 seconds and then said that since this was such an " old account ''. He put me on hold for 8 minutes and came back at XXXX and said he would have to get someone else on the line with us. He assured me that he would stay on the line with me until things were cleared up. At XXXX XXXX he transferred me to XXXX and " Account Specialist '' but he did not talk to XXXX nor did he remain on the line. After giving XXXX a summary of the events - she simply said " at this point there is not much more that I can do for you ''. I had to explain to her that my credit score dropped significantly due to this fraud and that I was assured by XXXX that she would handle this. I had to get a little pushy and rude to get anywhere with her. She put me on hold several times and finally agreed to resubmit the fraud case for investigation. Again - I was promised that someone would call me in 30-45 days to ask me questions. So I asked her if she could expedite it since they pretty much mishandled the first case. She then asked me what the reason was for my asking to expedite it. Again - I explained my credit score issue and the fact that my credit cards were lowering my limits, etc. She said that she had to enter a reason to expedite it. I'm not sure why she couldn't figure that out herself. She put me on hold again and came back and said that someone would call me from Capital One in 72 hours. As of today as I am typing this XX/XX/XXXX - no one has called me from Capital One or XXXX, XXXX XXXX XXXX, XXXX. I am copying and pasting this message into a WORD document so I can use this summary elsewhere. I plan on sending a letter to the CEO of Capital explaining their negligence in the handling of my case- and also that their process doesn't seem right by sending me to a debt collector without investigating further.
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07/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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To whom this may concern : My name is XXXX XXXX XXXX XXXX and I am the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX Fl. I called Capital One credit card company on yesterday and discovered that the automated service was saying that the XXXX 'XXXX balance was {$750.00} and this month 's statement reflects the same amount due. I took notice to two unauthorized charges on the statement and had reported that an adjustment be made on the XXXX XXXX account the day prior which was Tuesday XX/XX/XXXX. The first charge that I was disputing was dated XX/XX/XXXX ( Merchant " XXXX '' ) in the amount of $ XXXX.After contacting the Merchant directly a credit of {$200.00} was issued by them and I might add that Capital One admitted that they had received the credit when I spoke to the first representative ( XXXX ) on yesterday ( XX/XX/XXXX ). That would bring the total that the XXXX would be liable for to {$96.00} for that transaction. The second charge was dated XX/XX/XXXX ( Merchant " XXXX '' donations XXXX XXXX ) in the amount of {$290.00} and I was not able to reach anyone from their office as of yet.I advised the representative ( XXXX ) about my concerns and went into details advising that we had paid this merchant {$290.00} last XX/XX/XXXX in advance to attend the Summit that was scheduled XX/XX/XXXX in XXXX which was cancelled because of Covid19. We never requested our money back from " XXXX '' but the irony of it all is our credit card was yet charged again on XX/XX/XXXX for an additional {$290.00}. I advised Capital One that this was totally unauthorized and that the merchant ( XXXX ) if anything owed the XXXX {$290.00} from the previous year.I advised the initial rep ( XXXX ) of this matter and even did the math for them to advise them by my calculations that the XXXX balance due after subtracting {$200.00} ( credit from XXXX ) and the {$290.00} from ( XXXX ) that was being disputed is a total of {$490.00}. $ XXXX {$490.00} amounts to {$250.00}. After going back and forth about this for at this point about an hour and 20 minutes he was advising me that " I understand your position and agree with you '' he didn't have the authority to make the adjustment on the XXXX 's account and only his manager could. I requested to speak to her and once she got on the line I abreast her about the issue. The managers name is XXXX ID # XXXX, and she went over the statement again advising me yet again that the balance was correct at {$750.00}. She added repeatedly that the credits would be on next month 's statement and refused to adjust the balance on this statement advising that our XXXX pay the {$750.00}. She actually became belligerent with me now asking me '' Do you have the most recent statement in front of you. '' I answered ma'am that's what I'm referencing and have been for nearly one hour and 40 something minutes! Ms. XXXX began discussing an XXXX charge that is not even on this statement which I am forwarding to your office as well. she repeated " I asked you if you were looking at your most recent statement? '' I replied ma'am this is the most recent statement sent out to the XXXX which is due on XX/XX/XXXX. She said " your most recent statement has an XXXX charge on it! '' I responded to her that this charge from XXXX has nothing to do with the balance that is due on XX/XX/XXXX. At that point i realize that she was being facetious and asked if there was someone else in authority there that I could discuss this with as it was now nearly two hours on this call. She said that I was yelling and I advised her that I'm not being disrespectful in anyway or discourteous and she was in fact being facetious. She said " I am the highest person you can speak to on the phone because her boss won't talk to you and you can call the same number back and then speak to someone else. '' At that point I advised her that the XXXX will be paying what we owe them and that was {$250.00} and we would be coming off of autopay. I believe that improper ethics were used here and that as a manager Ms XXXX was very unprofessional, inefficient, and very rude and belligerent and her company truly needs to be put on notice with regard to this kind of unwarranted behavior especially for a manager to display to a customer and organization that has never been late and pays our balance down to " XXXX '' every month from the conception of this account with Capital One. I am appalled by this entire ordeal to say the least. Your assistance with regard to our concerns here at XXXX XXXX XXXX XXXX XXXX are very much appreciated. Please advise us if any addtional info with regard to this matter is needed!
Cordially, XXXX XXXX XXXX XXXX PS I have the original documents including this month 's statement that reflects the initial balance due {$750.00} before the credit due of {$490.00} which brings the balance to {$250.00} due today. I will gladly attached them but I do not see a way to attach them,
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01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Company : XXXX XXXX XXXX Date of charge : XXXX in the amount of XXXX dollars.
Capital One Credit Card XXXX, XXXX.
I contacted Capitol one numerous times in regards to a charge from XXXX XXXX XXXX.
I provided a written statement along with screenshots of the text conversation between XXXX the sales Rep and myself.
I explained to Capitol One the company I contacted whom I believed where the Company that was going to move my items was not a moving Company but a broker, that contacted a third party moving company whom I have no idea of the Name of this third party company to conduct my move.
Prior to the contracted third party company arriving I received a Call from XXXX who was under the impression that the move had already taken place.Once I advised the guys had not made it to my unit XXXX went on to advise I need to pay the movers via XXXX or XXXX XXXX or XXXX.
I asked what Company does business via a XXXX XXXX XXXX was advised I was planning to pay via credit card I did not have cash to fund the move, Per XXXX work it out with the movers.
The only information I have regarding this Company is a first name and cell phone number for whom I believe was the head mover, only because the guy called for directions to my unit and his number registered on my caller ID.
The company wasn't equipped to handle my move, the movers did not attempt to move not one single item, The head guy stated " they would step outside to give the opportunity to call XXXX as this just happened the day prior, the mover expressed they were cursed out because the lady was not informed of additional costs, people dont understand the have nothing to do with the arrangements, only the move ''.
The head mover took a video advised it was sent to his boss, per the mover the manager contacted XXXX at XXXX whom was unwilling to work with me.
The head mover apologize several times, advised I put a stop payment on the charge.
I called XXXX numerous times, made several requests to speak with someone in charge, XXXX advised I would only deal with him, he was in charge, he was partner there was no one above him.
I hung up three times after arguing with XXXX, everytime I called the customer service number listed online the calls were routed back to this XXXX XXXX.
I repeadly asked for the owner of the Company per XXXX " I could not call XXXX and ask for the CEO " .XXXX also stated " I was the worst customer as I was not available for the quality assurance call, the day prior, I changed my move date twice.XXXX was informed the initial change was due to a death, XXXX the sales rep was informed, the second change was due a Medical procedure. The day of the call, I was not in anyway capable of making any business decisions, Per XXXX that was my problem ".
I again asked for information for the owner XXXX stated look it up online, I asked to Speak with XXXX per XXXX XXXX XXXX couldn't do a thing only listen to me grip ''.
I received a credit back from the charge twice only to be informed on XXXX by letter from Capitol one informing me that XXXX XXXX made the decision based off the contract provided from XXXX.
I learned XXXX that provided the contact, however the Company failed to provide the inventory list, nevertheless Per two Managers once XXXX makes a decision case closed, final decision they were unwilling to assit me any further I spoke with three managers in all that said they were sorry but once XXXX XXXX made the decision nothing more could be done, advising me to try contacting XXXX to reslove the issue, when I had already informed them numerous times of the rude, combative interaction with XXXX who claimed to be in charge .Capitol One was informed the contracted Company was not equipped to handle the job, Capitol One asked for a cancelation document I never received anything from the contacted movers, the head guy advised me to put a stop payment, as this Company underestimates the move, sticking people with a large bill later. I tried speaking with XXXX from XXXX, this guy became combative, he would not allow me to speak with anyone else, everytime I called the call was routed straight to him.I Have an inventory list that speaks for itself, there is no way a XXXX sq ft apartment filled with furniture 65 items two of which were large pieces a grandfather clock and a XXXX XXXX, would fit in a small XXXX XXXX no company truck three men in street clothes showed up, did not attempt to move a single item as the head guy started my items would not fit on the truck.Ive gone back and fourth with Capitol One the end result, I will be charged for a service I did not receive, nor dud I cancel. The contacted company came unprepared and never touched one item in my Apartment. I have filed a complaint with the XXXX XXXX XXXX, wrote heated reviews to no advil, advised, also advised the Manager I would allow the card to become delinquent and go to collections because I refuse to pay for a service I did not receive.
|
03/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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On or around XX/XX/XXXX I was vacationing in XXXX XXXX, Missouri and was mislead into opening a Saks Fifth Avenue Credit Card underwritten by Capital One, that I would receive a promotional 10 % off my purchase and additionally would also get to utilize a rare {$300.00} off my purchase over {$1200.00}. Acting upon this very information, see attached proof of such promises and scheme/artifice by SAKS/CapOne Agents, I proceeded to apply and was approved for the card. The sales associate explained to me they did not have the item I wanted to purchase but I could still do so online and even though the promotion of XXXX off expired that day I could go online where it was available and get the 10 % off and {$300.00} discount, she told me additionally that I would need to call the CapitalOne Credit Services number via Saks to get the card number so that I could use it that day and take advantage of the promotion, and to reiterate a promotion that is rarely given in any time, as such I immediately went back to the hotel and called the credit division and asked for the information that the sales associate advised me of. However much to my surprise the agent with CapitalOne/Saks Card Services said they do not give temporary card numbers and that the purchase I was going to make was too much compared to my credit limit that the XXXX told me it was, she said XXXX they said it was XXXX, this lead to a prolonged and rather frustrating waste of my time and phone call, only to find out I was mislead because of XXXX , and Capital Ones repeated and legerdemain slight of hand deceptive policy of lying and now hurting my credit with the end result of having nothing gained from opening the card. Which of courses begs the question of why would I have spent the time to open a card that as advertised and presented to me to get a card that in actuality provided nothing of the sort and was filled with false statements and lies? Additionally this bore out negative credit consequences as I have incurred a hard inquiry pull on my Equifax credit report and a new trade-line, albeit closed but nonetheless lowered my XXXX by a significant amount. Prior to this malfeasance and deception my scores ranged from XXXX XXXX XXXX and I have major accounts with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX with the smallest credit line being {$7500.00} and the largest being {$50000.00}, I could have used any of those since arguably the rewards any of the above provided give some benefit that undoubtedly is superior to nothing as this charlatan of a card issued via Saks Capital One, does nothing because of again misstatements, and outright false claims, if this is not evidence of fraud then I do not know of any case in which the Federal Trade Commissions promulgated rules on UDAP, would thus apply. In the end as I have stated, I was deceived and ultimately harmed by the lies told by capital one and its crony Saks Fifth Avenue to harm my credit report and get me to use their card instead of my established card for the purposes of making additional monies, unethically I may add, I then requested that to end this charade, by requesting they close the account and not report the card, which is in fact within capital ones power and authority ( Federal Trade Commissions promulgated opinion in XXXX, and fathered by FACTA ), and they again on a recorded line with Agent XXXX for CaptialOne/Saks said they would not do even though in all reality I was a victim of fraud and victiimzed by Saks since they have a fidiuary responsibility to provide consumers like myself with accurate and true information not lies and false pretenses, at this juncture she continued to repeat and parrot lies stating in a blanket fashion that no creditor could request a trade-line not report to the CRAs, something that the CFPB, FTC, Federal Courts, and even the CRAs know to be false. UDF/UDR forms are used routinely by creditors to request a change or deletion of information to CRAs about specific accounts and consumers. Because of this hideous violation of federal, state, and ethical boundaries of law and common sense I demand that they not only not report the card that was never even sent out nor used, and not given a single benefit, but they also remove the inquiry or I will proceed with legal action and including filing a police report stating they have committed fraud by inducing me to take a loan under duress and false pretenses-A crime both state and federal. I sincerely wish to put an end to this ridiculous deceptive charade and have them do the right and legal thing by deleting the account from my credit report, and removing the inquiry both of which are within their power to do so, and because of the above listed issues and damages they should preemptively done so without me asking and instead of parroting lies because of the now legal consequences of this dereliction of their fiduciary duty and Federal UDAP laws.
|
03/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
XX/XX/XXXX To XXXX XXXX XXXX XXXX From : Complainant XXXX XXXX Re : Stolen Funds {$78000.00} ( 20 % compounding interest ) plus {$100.00} late fee/month, personal time $ XXXX/hour, gas expense {$150.00} I have submitted numerous complaints against XXXX XXXX XXXX and XXXX XXXX XXXX regarding theft XXXX XXXX stole my bank accounts and cash my two checks WITHOUT my consent at all. As I stated numerous time to both banks, law enforcement, CFPB, FTC as well as all other law enforcement, court etc. that I do NOT know theft XXXX XXXX at all. I NEVER authorized this theft to do anything on my behalf. However under my numerous times complaints to all kinds of law enforcement agency and court to collect my stolen funds, until now 5 years passed this theft continue to hold my funds without return. I do NOT know why this theft can escape justice system without going to jail. According to the amount she owed me, she should go to federal jail for at least 20 years plus life time restraining order against this theft not to access, release, threat, harass, stalk to myself and my personal information.
On XX/XX/XXXX theft XXXX XXXX illegally withdraw {$9800.00} from my XXXX XXXX XXXX accounts. She has used my name to withdrawl the funds and then closed all my accounts without my consent at all. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at all. She also ordered the bank to send my monthly statement to her address without my consent.
On XX/XX/XXXX theft XXXX XXXX illegally withdrawl {$68000.00} from my Capital One account without my consent. She has used my name to fill out the withdrawl slip. And she signed her name at the bottom of the withdrawl slip. ( See evidence ). After she withdrawl my funds, she illegally closed my account without my consent. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at ll. She also ordered the Capital one to send my monthly statement to her address without my consent.
In XX/XX/XXXX theft XXXX XXXX obtained two checks each was {$370.00} total {$750.00}. Two checks were paid to me with my name on the checks. Two checks were issued by XXXX XXXXXXXX XXXX. She endorsed on the back of the checks when she went to the bank to make deposit without my consent at all. She illegally obtained all my mail and transferred my mail to her address. I have post office letter as evidence showing she is a mail theft.
In XX/XX/XXXX she caused me extra {$150.00} loss because she closed my Bank of AXXXX accounts causing all my paid checks to the county to be bounced. I have sent my payment before due date, however due to closed accounts caused by her it caused me extra {$150.00} loss.
XXXX XXXX XXXX still owe me {$9.00} because the check was cashed by someone else. I have asked Capital one to return, until now this amount was never returned.
Due to the above facts and all evidence such as withdrawl slip, bank letter, police report, FTC identity theft report. I am asking Theft XXXX XXXX to go to federal jail 20 years. XXXX XXXXXXXX XXXX and XXXX XXXX XXXX should return the following : All stolen principle : {$68000.00} plus {$9800.00} plus {$750.00} plus {$150.00} plus {$9.00} total : {$79000.00}. She returned {$57000.00} until XX/XX/XXXX. The difference was {$21000.00}.
Because original matter was caused by XXXX XXXX XXXX county when I report burglary. Therefore I have to charge 20 % compounding interest on the daily basis.
Two banks owe me : 1. 1st year : Principle {$21000.00} plus interest {$15000.00} ( she used my funds {$79000.00} for whole year from XX/XX/XXXX to XX/XX/XXXX ). 1st year she owed me {$37000.00} 2. 2nd year : Principle {$37000.00} plus interest {$7500.00} total {$45000.00} 3. 3rd year : Principle {$45000.00} plus interest {$9000.00} total {$54000.00} 4. 4th year : Principle {$54000.00} plus interest {$10000.00} total {$65000.00} 5. 5th year : Principle {$65000.00} plus interest {$13000.00} total {$78000.00} I have spent 10 trips to go to three banks to collect stolen funds from XXXX to current. XXXX XXXX XXXX 2 times in XX/XX/XXXX. XXXX XXXX XXXX 5 times from XXXX to XXXX. And XXXX XXXX XXXX 3 times from XXXX to current. I am charging {$300.00} per hour my personal time for at least 15 hours. Late fee {$100.00} per month since I notified bank since XXXX. My gas expense {$100.00} to collect stolen funds.
I HAVE FILED POLICE REPORT IN XXXX. I HAVE NOTHING TO DO WITH THIS THEFT AT ALL. I ALSO HAVE TWO COPIES OF CANCELED CHECKS FROM XXXX XXXX SHOWING SHE CASHED MY CHECKS WITH MY NAME ON THE CHECKS.
|
12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
After reviewing my two Billing Statements Accounts that I currently have open with Capital One together with extensively reading both the Code of Federal Regulations ( CFR ) and the Security Exchange Act of 1934, both of which this company claims to uphold according to their XXXX and XXXX holdings. It is clear to me that not only is Language Fraud being committed on me as a consumer, but Security Fraud is too. I have sent a billing dispute request via certified mail using the US Postal Service on XX/XX/XXXX which was well in the time frame of 60 days that the US Code allows stating My billing disputes/Errors which are as follows for both accounts : XXXX XXXX XXXX Treatment of credit balances.
1.When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
*Capital one has not in good faith done any of the above even after my written letter requesting them to send my securities to me and not keep them.
2. 15 USC 1666b ( a ) Time to make payments A creditor { Capital One } may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
3. CFR 1026.13 ( d ) Billing error resolution.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
*Capital One has broken this by threaten to send my account to a third party debt collector, and they have since shut off access to my credit cards and also reported negatively to at least one agency that I know of.
4. Per 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor { Capital One } who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor { XXXX XXXX } the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
*Credit one has not sent any thing I have asked for of them other then billing statements.
5. Per 15 USC 1666 ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
*This step was not granted at all As I stated above I have given Capital One more then 2 months to respond to me and handle this situation internally without me having to report this to the FTC or the CFPB and if need be go to Federal Court due to the language and security fraud being committed by this company. This time In accordance with the law instead of sending yet another letter Certified Mail due to the nature of it involving securities I sent another letter out today XXXX Registered Mail via the United States Postal Service, I will also be sending a copy of this letter to their CEO, their Trustee, the Law Department and also the FTC until this matter is handled in a timely fashion.
|
08/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
On XX/XX/XXXX a payment was made from a Capital One checking account to a Capital One Credit Card in the amount of {$200.00}.
Due to statement cut-off times the payment was applied as an extra payment to the incorrect statement cycle rather than toward the desired statement cycle ( where the payment was due XX/XX/22 ). It is our understanding this was a matter of timing that was just one day. As a consequence, they have shut off availability to my credit limit, charged me a late fee, and began collection activity which has caused me a hardship.
Capital One was contacted on XX/XX/22 to fix this relatively routine and straightforward issue of a payment being applied to the wrong cycle by one day. When I called I spoke to four different people and go the run around. They refused to refund my late fee and reverse the payment back to my account so it could be applied to the appropriate cycle. They also would not change the effective date. I chose the XXXXspeaking line in that instance.
On XX/XX/22 at XXXX I had my step-son call and talk to a representative on the English speaking line. She was magically able to refund my late fee despite prior refusal. I believe this is blatant XXXX that they refused to do on the XXXX-speaking line given my extensive and positive history with them. I would like to know if the representatives are given different authorities to refund fees on English vs. XXXX speaking lines and understand why there was such a variance in how I was treated with that.
On that XX/XX/22 call after being on the phone with the representative for XXXX minutes while fumbling to find an answer, she told my son and I that they are unable to reverse the payment to my account because they lacked the functionality to do so. My step son ( who has been in upper-management in banking for over 15 years ) told her that he does not believe they lack the ability to reverse a payment from a capital one credit card to a capital one deposit account or to move the effective date. Rather they are refusing to do so. He asked to speak to a supervisor.
We were transferred to a very condescending Supervisor or " Senior '' named XXXX, he stated his operator number was XXXX. He repeated that they were unable to simply reverse a payment or apply it to the other statement cycle. He desperately tried to find a reason to disconnect a call due to professional push back to bogus claims. He stated that their internal policies prohibited him from transferring me to an actual manager, submitting a service request to a manager to call us back, or sending a request to another department to have this fixed. He stated he was UNABLE to do so. My step son advised him there are clear distinctions between being unable and unwilling to which he continued to be defensive. He seemed to be more concerned with lecturing about semantics than actually helping or trying to find a resolution. Stating he did not interrupt us and talking about professionalism of the call ( there was no yelling, cursing, or anything... it was just factual because he was giving unsatisfactory answers ). In actuality, he did interrupt several times. After some back and forth he put us on hold for another 2-3 minutes after my son pushed back on his stated internal policies which likely do not exist. He came back and reiterated there was nothing he could do. My son probed what it is that he did during that 2-3 minutes he put us back on hold ... if he consulted a more senior manager, sent a request as asked, etc. He said that is proprietary internal information under his discretion and refused to answer. We believe he simply put us on hold as a stalling tactic and did nothing to help. We also believe no such policies exists and is just a tactic used in the call center to rip off customers.
I would like Capital One to put in writing to the CFPB that they only allow their customers to talk to a Senior Associate and not a manager upon request to have a routine and highly impactful issue such as this addressed and to let the CFPB know how this policy is universally enforced across their various lines of business. We would also like to know whether that is a policy for just XXXX speaking consumers because my step son has had a very different experience as an English-speaiking SPARK business client.
At the end of the day all we wanted to happen was to have our payment that was applied on XX/XX/XXXX credited toward the desired statement cycle. Whether that be by a reversal back to the account, applying it to the other cycle, or the like. That is it. Instead we were met with racism, condescension, and lies. I implore Capital One Management to train their staff better. We believe their conduct violates ( or at the very least dishonors the spirit and intent ) of provisions in the CARD act in respect to application of payments. I have numerous accounts and credit trades with Capital One and was treated poorly.
|
09/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I successfully submitted a check for deposit of {$3100.00} to my checking account on XX/XX/2023. My checking account at the time contained a total of {$50.00}.
On that same day ( XX/XX/2023 ), I received another email saying my deposit had been successful and I could go ahead and destroy the check.
I was provided with the following details regarding my successful deposit : Amount : {$3100.00} Deposited on : XX/XX/2023 Fully available on : XX/XX/2023 Again, on that same day ( XX/XX/2023 ), I received another email regarding the check.
The email contained the following information : XXXX XXXX, After an in-depth review of the check deposit ( s ) you made on XX/XX/2023 into your account ending in XXXX, we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of all or part of {$3100.00} until XX/XX/2023.
Please note that you don't need to take any action. As long as the item ( s ) don't return, these funds will automatically become available on XX/XX/2023.
On that same day ( XX/XX/2023, I received a fourth email which contained the following : Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity.
Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file.
If you have questions, please give us a call at XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX.
Thanks for choosing Capital One.
On XX/XX/2023 the check I deposited had cleared and the funds were deposited into my account ; however, Capital One had restricted my account and I had no way of accessing my funds and had no way of withdrawing any money from the account whether it had come from the check or not.
I contacted Capital One on XX/XX/2023 at XXXX per their instructions.
When I spoke to their resolutions team, I was told that my entire account had been frozen, and they needed to contact the check issuer to verify this check was given to me by them. I provided several points of contact for the check issuer to the Capital One team and they either couldnt get a hold of them or refused to call them in the first place. I was then told that my entire account was now under internal Investigation. The capital one team then told me that even if they spoke to the check issuer and confirmed that I was given these funds by them, I still wouldnt have access to them bc they were now performing an internal investigation and they couldnt provide any information as to why, or if there was anything I could do to help speed up the process and gain access to my funds. They refused to work with me, and rejected any attempts to aid in improving this situation. I was told by the Capital One team that this investigation could take up to 90 days and there was nothing I could do to help my case and there was nothing I could provide to speed up the process.
On XX/XX/2023 I received an email containing the following : XXXX XXXX, We're reaching out to let you know your account ending in XXXX was closed. If you have any questions, please contact us. We'll be happy to help you.
Thanks for choosing Capital One.
After several attempts to get information on this matter, very little information was given even after my account was closed.
I was at some point told that a check with my funds had been mailed out to me because I no longer had an account with Capital One. When no check arrived in the mail after two weeks, I contacted Capital One and was now told that they couldnt mail a check bc they needed to contact the check issuer first, so the capital one team was now providing information that was not matching what other team members were saying. There was not cohesive understanding as to what was going on with the account and various Capital One team members provided me with mismatched and confusing information.
The total balance of the account is currently {$3400.00}, and none of these funds have been given to me regardless of them having nothing to do with said check.
Reminder that the check I deposited was only {$31000.00} ; therefore, an additional {$320.00} was stolen by capital one from my account and they refuse to return my funds.
It is now XX/XX/2023. It has been a total of 45 days since I deposited this check into my checking account. A total of 39 days since the check cleared. A total of 36 days since my account was closed by Capital One and my funds have still not been returned.
Last time I contacted the Capital One team was the week of XX/XX/XXXX and nothing has been resolved.
|
03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. ATTN : XXXX XXXX, XXXXCAPTIAL ONE FINANCIAL CORPORATION I HAVE REASON TO BELIEVE THAT I AM BEING EXTORTED BY YOUR COMPAY. I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). CAPTIAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE BANK USA NA has furnished false and misleading late payments to Account : XXXX as a way to coerce me to make on time payments. It is my belief that CAPTIAL ONE FINANCIAL CORPORATION has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. CAPTIAL ONE FINANCIAL CORPORATION 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. CAPTIAL ONE FINANCIAL CORPORATION has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by CAPTIAL ONE FINANCIAL CORPORATION before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency nor CAPTIAL ONE FINANCIAL CORPORATION to furnish any late payments to my consumer report. It is my belief that due to your business relationship with consumer reporting agencies, such as XXXX, XXXX, XXXX, they parrot the information given to them by CAPTIAL ONE FINANCIAL CORPORATION as a means of coercing consumers to pay debts that they allegedly owe. It is my belief that CAPTIAL ONE FINANCIAL CORPORATION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by CAPTIAL ONE FINANCIAL CORPORATION, which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute Racketeering Activity. If found guilty, Racketeering Activity carries a criminal penalty of 20 years to life in prison. This account is now in " charge off '' status, which means that this account has been written off to the IRS on my behalf without my knowledge and is uncollectible and written off as income. Income shall not be reported to the credit reporting agencies. I am aware, that, in accordance with 16 C.F.R. 433.3. CAPTIAL ONE FINANCIAL CORPORATION is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke my rights as the debtor in this consumer credit contract against CAPTIAL ONE FINANCIAL CORPORATION for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
|
08/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
Re : Capital One Checking Account # XXXX I have had my account ( s ) with Capital One bank for many years and have always maintain same in the highest financial and ethical manner. I have never been late, had an overdraft, nor in any way misused my account. I am a XXXX XXXX XXXX XXXX XXXX
I received an email from Capital One customer security, XXXX advising that my account is being closed and that this decision was irreversible.
These are the facts that are irrefutable and documented : On XX/XX/2022 I phone Capital One and spoke with one of a representative. The issue was regarding an employment opportunity that was requiring me to provide my banking information so that funds could be transferred to me. I was advised by your representative not to do that but request a check instead which could then be verified. I did so.
On XX/XX/2022 I received a check in the amount of {$2300.00} by USPS special delivery. I phoned Capital One twice, and after speaking to a representative, I was advised ( I was concerned about depositing a check that may not be good and incurring a penalty [ of any type ] by Capital One ) to deposit the check as the means of verifying same. I was trying to have the checks validity verified. I was told explicitly that I would face no penalty if I were to deposit the check. That Capital One would then verify same and that would only make funds available after the funds were verified and collected by Capital One. I did so. I spoke with XXXX XXXX XXXX XXXX ( last call occurring at XXXX PM ).
On XX/XX/XXXX I received an email from Capital One advising that the Capital One would require extra days to verify the check and that funds would not be available until after Capital One received same through collection of the check. I was in agreement with this. At all times my intentions were to preserve my relationship with Capital One and to protect all parties in the event the check was not good.
On XX/XX/XXXX Capital One made the funds fully available to me. I phoned Capital One and spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told explicitly that the funds were collected by Capital One, that the check was valid and that there was no way or possibility that the check or funds could be reversed at this point. I was told that the funds were unrestricted, collected and I could use them any way I wanted without fearing any recourse.
Being reassured that the check was good, having received clearance of the funds, and having taken every possible step to protect myself and Capital One, I had no recourse other than to accept that the check was valid and paid.
I than made purchases totaling {$2100.00} from XXXX in accordance with the purpose of receiving the check.
At XXXX PM I received the messages from customer security referenced above. I immediately phoned them, ultimately speaking to XXXX XXXX XXXX XXXX who identified himself as a supervisor and the only person with whom I could discuss this matter. He refused to provide me with copies of the transcribed, recorded conversations referred to above ( though he said he had them and they were available ), or with the phone number of anyone with whom I could seek recourse on his decision to irreversibly close my account or the funds in the account.
Please be advised that I hold Capital One their representatives complicit in any scam or loss that may have occurred regarding the check. Capital One bank and employees were negligent and irresponsible in their actions and the instructions that they provided me. It was these negligent and irresponsible instructions and advice that has resulted in my huge losses ; not only regarding the {$2300.00}, but the collateral losses associated with the penalties that Capital One imposed upon me.
I followed explicitly the instructions and advise of Capital One employees ( XXXX admitted to as much, and further went on to state that an internal review would take place because of the false information and advise provided me, including their failure to contact the fraud unit ).
I therefore, based on the above facts, request Capital One bank take responsibility for the actions and advice given by their employees, that Capital One does not charge back to me and/or may account anything related to this matter, and lastly, report that my account has always been maintained as agreed and current. I also trust that there will be no adverse reporting to the credit bureau ( s ).
I am available to discuss this matter with anyone at any time. I can be reached at XXXX or XXXX ( cell ). I have sent numerous emails to the " office of the president of capital one '' and to customer service, all of which have been acknowledged as received but not responded to. I have requested that someone phone me but no phone call has been received. I am XXXX XXXX XXXX XXXX XXXX, and I have been treated shabbily, if not negligently and fraudulently, by Capital One.
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09/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
XXXX On XX/XX/2020 I booked an airline ticket ( booking reference number XXXX ) from XXXX for {$1700.00} ( {$140.00} going to XXXX and {$1600.00} to XXXX XXXX ). I paid with my Capital One credit card. The trip was supposed to take place on XX/XX/2020.
XXXX On XX/XX/2020 I received an email from XXXX with flight modifications, which did not fit my plan. I then called XXXX and asked if I can cancel my booking. XXXX agreed, processed my cancellation, and sent me a confirmation email with a number to call in order to finishing the cancellation. I called the number and we finished the process. I called XXXX XXXX and Capital One and confirmed the cancellation. The amount of {$1700.00} was reversed from my transactions. Everything is good at this point.
3 I noticed that on my XXXX credit card statement ; the transaction of {$1700.00} was reinstated on the account as if I will be taking the trip. I called Capital One and the customer service representative suggested that I filed fraudulent charge request ; I told the representative that I made the original charge and she said that is the only option. I filed it and Capital One removed the charges from my account and issued me a different credit card number. Everything is good again.
4 I received a letter from Capital One, dated XX/XX/2020 claiming they did not find any indication of fraud on my account and they reinstated the charges again and referred the matter to dispute department. This happened because ; XXXX airline provided the flight schedule to Capital One during their investigation. I called again and filed the dispute. During this call, I asked the customer service representative from Capital One if we can add XXXX to the call and she said they are not allowed to do a 3 way call. I also asked her how could we get to the truth if you do not talk to the source ( XXXX ) and she said they are not allowed to talk to merchants.
5 I received another letter from Capital One, dated XX/XX/2020. In this letter Capital One asked me to provide a copy of the sale invoice or purchase agreement, date and proof of cancellation, the return policy of the merchant, description of how I tried to resolve the dispute with the merchant, and a refund voucher from the merchant. I sent the cancellation email to Capital One.
Capital One said that it is not enough. However that is the email XXXX provided me as a proof of cancellation. I asked XXXX for a letter confirming the cancellation and refund on their end and the representative said they only provide email because they do not have an official letter.
6 When I called to cancel my booking, XXXX sent me an instant email with one time password that was used to confirm my identity during the call. The cancellation was processed with no issue at all. XXXX never said anything about the trip being non-refundable. But Capital One made the issue more difficult than it is by refusing to accept the proof provided by XXXX and asking me to provide additional documents ( purchase agreement, return policy of the merchant, refund voucher ) to validate my claim. There was no dispute whatsoever from XXXX about the cancellation and refund. Currently the original amount ( {$1700.00} ) is still part of my credit card statement and Capital One has being charging interest on it since last XXXX. I have made over 30 phone calls to resolve this matter. Some calls last for over an hour due to being put on hold and being transferred among different departments.
7 XXXX assigned the case to one of their employee : XXXX, Accounting / Charge Back Department, Phone XXXX XXXX XXXX Ext : XXXX, Fax XXXX XXXX XXXX At first she did not believe that the amount had being reinstated, because the cancellation and refund were processed and completed from their end.
So she asked me to send her the proof ; I send her the credit card statement along with the reinstatement letter from Capital One. She was in contact with me via emails. She kept saying she was working on the case and waiting for the airline to reply. At some point, she vanished, her extension does not work anymore and I can not contact her at all. I called XXXX and this time another representative told me that : I need to call the airline myself, because they did everything they can and the airline is not responding to their request. Finally he transferred me to a supervisor whom now said I should not contact the airline, because I booked the trip from them and I should be dealing with them. ( I taped these last conversations ). I received a final email from XXXX and in this email ; XXXX airline told XXXX that the customer disputed the transaction and therefore they should refer the customer back to his bank ( Capital One ). But my bank made the issue more complicated than it is. In conclusion, no one is able to solve this issue among XXXX, XXXX airline, and Capital One and I am stuck with the bill as if I went on that trip.
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09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
Email records dated XX/XX/2022, show that confirmation of order # XXXX was received by XXXX for the amount of {$73.00}. On XX/XX/2022, after receiving an item with a tracking number from this merchant, I sent an email to the merchant stating that I had received the incorrect item for my order and asked for a refund and return instructions. Their response was to send them pictures of the wrong item and check the tracking number on the package, which I complied and asked again for a refund and a valid telephone number for customer service since the number on their website was not in service. In their response, email dated XX/XX/2022, they admitted to the XXXX accidentally sent the wrong product and this wrong item should be regarded as a compensation to you. Again, my response was that because of the time that had passed, I no longer needed the item and to issue a refund. Another email followed on XX/XX/2022, that they would only refund 60 % of original price. Please note that their Refund & Return Policy online does not address any partial refunds. After I rejected the offer of a 60 % refund, they then offered a 70 % refund at which time I disputed the charge of {$73.00} with Capital One. On XX/XX/2022, I received an email from the merchant asking that I withdraw the dispute.
-I received correspondence from Capital One dated XX/XX/2022, stating that my account had been credited for the {$73.00}, the amount that I was disputing and that they had asked merchant to respond to claim.
-I received correspondence from Capital One dated XX/XX/2022, stating that they were reapplying the charge to my account for the {$73.00} disputed amount. The merchant had sent them notification that goods were as described and received in good condition. In addition, they stated that if I wanted to continue with the dispute, I could submit additional documentation : ( 1 ) a copy of invoice and evidence to support how the merchandise ordered differed from what I received. ( 2 ) A second opinion on company letterhead from another merchant in the same field stating specially what the original merchant did incorrectly, how the problem could be corrected, and what that would cost. ( 3 ) A statement that included the number of times the merchant tried to correct the problem, and a description of how I tried to resolve the dispute with the merchant. I uploaded all supporting documentation requested except for item 2.
-I received correspondence from Capital One dated XX/XX/2022, stating that they had received my response to this request, but it lacked all the previously requested information needed to validate the dispute. And they were unable to assist with my claim.
-On XX/XX/XXXX, I uploaded additional documentation to Capital One showing where the merchant acknowledged the fact that XXXX accidentally sent the wrong product. Also uploaded pictures of the wrong product and the email thread I had with the merchant. And a copy of the merchants online Refund & Return policy which does not address any partial refunds.
-I received a letter from Capital One dated XX/XX/2022, which stated the identical same as the letter that was dated XX/XX/2022.
- I called the Capital One Transaction Support Center on XX/XX/2022, and spoke with a supervisor to explain my dispute and ask again for assistance. After reviewing my file, she determined that there was nothing they could do because I had not submitted documentation for a second opinion on company letterhead from another merchant in the same field stating specially what the original merchant did incorrectly, how the problem could be corrected, and what that would cost. After explaining my position that I felt like this was an unreasonable and practically impossible request especially after I had submitted documentation proving that the merchant did indeed send the wrong product, I was informed that there was nothing else that could be done.
The facts of this matter are : -I purchased a product from who I thought was a reputable merchant and paid with a credit card.
-I never received the product which I ordered, and the merchant admitted that the wrong product was sent. My order was for a XXXX XXXX irrigation controller and I received a womans scarf.
-Their online policy for refund & return indicates nothing about partial refunds.
-Numerous websites with scam detectors give XXXX a poor trust score and describe XXXX as questionable. The companys physical address from their website appears to be another business located in a strip mall in the state of Florida. The telephone number listed on their website is not in service. The only contact is through an email address : XXXX.
- After presenting enough evidence that this merchant did not deliver as promised and their questionable status as a fraudulent company, I feel like Capital One has failed me a customer who has had many years of excellent service with their products.
|
07/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I filed a dispute with capital one regarding a charge of {$530.00} with a company called XXXX.
The disputed transaction is related to a 2-night hotel stay at the XXXX XXXX XXXX XXXX XXXX which I reserved through XXXX. Unfortunately, upon arrival at the hotel on XX/XX/2023, it became evident that the booking was not honored and I was unable to check-in for the second night of my stay. This directly contradicts the reservation I made and the payment I made in good faith. Due to this I had to book a second hotel, with my own money and pay for transportation to the new hotel.
To resolve the issue, I immediately contacted XXXX and was assured by their customer service representatives on numerous occasions that I would receive a refund, given the fact that I did not receive the service I paid ( 2 full nights stay at the hotel ), normally they have a " no refund policy '', however as I did not get the service I had paid for they were going to refund me the funds. The XXXX company claimed to try to contact with the XXXX XXXX XXXX XXXX to resolve the matter and confirm what had happened. I called XXXX multiple times and they repeatedly kept telling me they " were having issues reaching the hotel ''. They assured me they would refund me my money once they confirmed with the hotel that the funds were going to be refunded to XXXX, so they could then refund them to me.
I then called the XXXX XXXX XXXX XXXX myself and was easily able to speak with someone. They confirmed that the hotel had been in contact with XXXX and that they had already confirmed with them that they had refunded the money to XXXX so that it could be refunded from me. After revealing this to XXXX they stopped communicating with me.
At this point I filed a chargeback for the {$530.00} I had paid XXXX with capital one on the terms of not receiving the product/service ( 2 night stay at hotel ) that I had paid for, this caused a huge disruption in my trip and also I had to book an additional hotel using my own funds.
Capital one then opened a dispute and sided with XXXX I appealed this and provided them with the information to support my claim. The information they requested was the following : please send us a signed and dated letter that includes your case number, the merchant 's name, the date of the transaction, and the disputed amount by XX/XX/2023. Please also provide the following information in your letter : Your response to the documentation sent in by the merchant, as well as : A copy of your sales invoice or purchase agreement and the date and proof of cancellation and / or return. The cancellation / return policy of the merchant, if available, and whether you were advised of the policy at the time of the sale. A description of how you tried to resolve the dispute with the merchant. A refund voucher from the merchant.
I in turn sent them the following documentation to support my claim 1. Emails exchanged between myself and XXXX where they confirmed their intention to refund my payment, acknowledging their failure to provide the booked service.
XXXX. An email from the XXXX XXXX XXXX XXXX, confirming to their communication with the merchant and confirming that I did not receive the complete 2-night hotel stay. IN ADDITION THEY CONFIRMED THAT THEY REFUNDED THE COST OF THE STAY BACK TO TRAVELUROHOTELS, THIS SHOULD HAVE BEEN AT LEAST REFUNDED TO ME BUT WAS NOT. TRAVELUROHOTELS KEPT THE MONEY!!
XXXX. The original receipt from XXXX, clearly indicating a stay duration of XX/XX/2023, to XX/XX/2023, which they failed to fulfill.
XXXX. A receipt from the XXXX XXXX XXXX XXXX, XXXX that my actual stay was only from XX/XX/2023, to XX/XX/2023, thereby necessitating an additional hotel booking. The receipt from the second hotel I had to book from XX/XX/2023, to XX/XX/2023, due to the incomplete service provided by XXXX.
I then received a response from capital one stating the following : At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim.
I sent capital one more than enough information to support my claim, and their response was that I did not send them anything that they asked for? This is a blatant lie. I was scammed out of {$530.00} of my hard earned money and capital one has been terrible. I have been a customer of theirs for many many years and they do not care about that. I should have the support of capital one as I tried to resolve the issue with the merchant directly but they were not cooperating. I was charged for a service I did not receive and have provided sufficient evidence to capital one, yet they fail to protect me as a consumer from unjust practices.
CAPITAL ONE CASE NUMBER XXXX
|
04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
|
09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
XXXX claims that they have verified the accuracy of the items on my credit report as verified. Well, how did XXXX verify this information? I requested that XXXX provide me with whom it is that they spoken to on a recorded line alone with this living persons name, contact information, whom it is they work for or what company they are speaking on behalf of, along with a copy of the recording so that I can clarify myself if it is truthful and lawful verification. as well as the time, date, and the persons name that called on behalf of XXXX as well as their position. I have already informed XXXX of the verification methods that XXXX must obey based on the signature that XXXX representee sign in the contract with XXXX and the FCRA as well as with the United States of America corporation whom all have to obey laws of the constitution as well as the SEC.
15 usc 1681 3 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Validation must come from the original creditor. XXXX XXXX ( Federal Trade Commission ) 31 CFR 903.5 Discharge of Indebtedness ; reporting requirements. The 1099c filling based on IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately.
XXXX is NOT investigating the accuracy of information obtained in my credit report based on 15 usc 1681. XXXX is in violation of my consumer rights and I demand that XXXX either send me the recording of the phone call or in person interview that XXXX performed in coming up with this decision of stating these accounts to be verified.
I request a copy of the recorded phone call, along with all parties names, position, whom they speaking on behalf of, as well as the time, place, date of the recorded call. If XXXX did a in person interview with a live individual then I need the place, time, signed affidavit documentation involved in the communication of the accounts being verified on my credit report. If XXXX CAN NOT provide ALL of the information that I requested, then XXXX must remove the following information below from my credit report. I need the recordings along with ever live persons information involved in the accounts listed below.
1- XXXX XXXX XXXX also known as XXXX with Acc # XXXX - XXXX claims that they verified this account BUT XXXX has never shown proof of its lawful verification based on my previous complaint sent in on XX/XX/2023. XXXX is a 3rd party collection company whom I never had a contract with and has NO LEGAL proof along with NO authority to report on my credit report. XXXX purchased this account from CAPITAL ONE BANK USA without my written, verbal, or any consent what-so-ever from me the consumer. This is Identity Theft and I have already completed a FTC reporting identity theft and sent it to XXXX. XXXX is ignoring my request and violating my consumer rights. Plus this CAPITAL ONE BANK USA account has been discharged off and 1099c filled with the IRS. 31 CFR 903.5 Discharge of Indebtedness ; reporting requirements. The 1099c filling based on IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately.
2- KOHLS/CAPITAL ONE Acc # XXXX is also a ( paid charged off ) account. IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately.
3- XXXX XXXX Acc # XXXX XXXX DOES NOT have my consent to report this account on my credit report. This is a closed account and is no longer a collectable account. I demand that XXXX CEASE AND DESIST in reporting this account on my credit report and remove this account immediately. Any consent that XXXX though they had in reporting this XXXX XXXX account is now revoked. Definition of CLOSED ACCOUNT is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counterparty. At this stage, no further credits and debits can be added. This account is reflecting as closed by the consumer on my credit report and a closed account is not collectable. This account keeps being reported inaccurately by XXXX and needs to be removed immediately because this account is considered income.
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12/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
FIRST THEY HAVE CLOSED MY CARD WITHOUT WARNING ALSO THEY REPORTED ME AS HAVING AN OWED BALANCE TO THEM AND HAVE REPORTED ME TO CREDIT REPORTING COMPANIES.
SO I AM ALSO DISPUTING THAT THEIR IS A BILLING ERROR ON MY ACCOUNT-MY ACCOUNT IS NOT IN THE NEGATIVE IT IS IN THE POSITIVE STANDING AND I WAS APPROVED FOR OPEN END CREDIT ACCOUNT, SO BASED ON -SEE BELOW 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
AND 1026.13 Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
|
02/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
I have a Kohls card with Capital One Bank, and I had my account set up on auto pay. It has been set up on auto pay for about 5 years. The early part of 2019 around XXXX, my auto pay failed, it was as if I did not have auto set up. I had set up XXXX extra payments to pay around this time, and those two payments posted to XXXX and XXXX ; however, it was not enough to cover how much the minimum monthly payment of {$27.00}. Although it was not enough to cover it, Capital One took the payment, and did not contact me to let me know neither months, that they failed to receive the minimum payment, since they got most of it. However, in XXXX when the extra payments were no longer posting to the account, they contacted me by phone and advised me. I returned their customer service call, and immediately made payment to bring the account current. They waived the late fees, and set up 3 payments for me to ensure my account remain in good standings while I figure out what happened to my auto pay. They advised me it was removed online in XXXX. I took them, I did not do remove it, but they were not concern. Some weeks later, I learned that they reported to the credit bureau that my account was over 60 days past due. I have called them several times in regards to this, but they refused to remove it, and tells me that it is not fair for them to remove it because it clearly reflex my account. I have pointed out several times that since my auto pay was removed, it didn't clearly reflect my intent or ability to pay because my account was taken off autopay and I believed it to be taking care of the bill. Also, I pointed out that they failed to contact me until the 3rd month, because they were getting most of the payment for the first 2 month, and did not receive a payment at all in the 3rd month. Then they contacted me by phone. However, when it came to reporting to the credit bureau, they went with the first month in which they did not receive the full minimum payment. This is unfair to me. If they had contacted me after the first month of not receiving the minimum payment, then I would have corrected the issue. I feel because they received most of the minimum payment, except two dollars, they were content and did not contact me ; therefore, since they disregard these 2 months in receiving the payment, then they should have disregard them in reporting. They did not report until XXXX, and they reported for 2 months saying it was more than 60 days, going back to XXXX, in which they disregarded earlier. I have requested investigation into what happened to my auto pay several times and nothing. They never really respond back to me, but the standard letter that they can't remove it because it correctly reflects my account. They refuse to believe me that the autopay and payment they set up malfunction on my account. I scheduled auto pay again in XXXX when I found out it was removed, but it take a month to take effect, so I left the pre-set payment in which the agent help me to schedule. Out of concern that I will get another 30 day late, I checked behind the agent and went on line to see if I can see the 3 autopays scheduled, and I could not. They were not showing up when I log into my account. So, I scheduled 3 more myself. Therefore, the next month, I had 2 payments to post to my account, still I could not see the scheduled payment when I log into my account. I could not even see the ones that set up. Therefore, my auto pay was back on the account for the next coming up month, and I called Capital one 's customer service and requested that they remove the additional 4 payment I have set up for XXXX and XXXX, two for each month. I was very clear in direction, advising the agent that it was two set up for each month. The agent only removed one of the two for XXXX and XXXX, and left one of the two scheduled. In XXXX, I had 2 payments again to post, the autopay, and the manually scheduled payment, as well. I call them, and the representative said there was nothing she could do about it since it was already posted. She assured me that they were all cancelled now, and no additional will come out of my account. I told her or him, that I will dispute it through my bank, because they did not have authorization for this payment. She said okay that is what I will need to do, but when I did this they charged me for a fee for a return of payment. The next month, they took and posted the XXXX payment which was set up, as well, after the rep stated it was cancelled. However, they did not take the auto pay too. I guess they wanted the manually schedule payment because it was for more than the autopay. I did not dispute this with my bank because I did not want to be charged a return check fee again. I would like to dispute it with you.
So I have two disputes, the 60+ day late on my credit, and the unauthorized payment taken out of my account for {$60.00}.
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10/09/2022 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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Hi, I am writing to bring attention to the fact that there are policies in place at big banks that are prohibit access to financial products to immigrants and non-English speaking residents. Specifically, I was helping my parents set up a new savings account with Capital One today ( Sat XX/XX/2022 ). As a first gen XXXX XXXX, I have spent my whole life helping my immigrant parents with translation and navigating the American system, including finances, as English is not their first language and they did not grow up here. There were issues in the account set up process - specifically, that upon ID verification and funding the new Capital One savings account via a transfer from an external bank, there was no prompt to create a username or password i.e. log into the account. There were no communications via email, text, or call about next steps or confirmation that the account was set up even though the ID verification was successful according to the Capital One website and the first transfer of funds was successful and therefore in process. I decided to call Capital One to inquire why this was occurring.
The Capital One rep on the phone insisted that my dad verify his identity on the phone. I told the rep I was his daughter calling on his behalf because English is not his first language, that he was right next to me and I have his PII ready to confirm the account information. The rep insisted that the only way to look into what was going on would be for him to speak to her directly. So I assisted my dad who speaks limited English to provide the info the rep was requesting which included his SSN, first and last name, and phone number. She asked for the phone number to send him a text to verify his identity, which did not work - the text was never received. I am not completely sure why this occurred as my dad is able to receive texts on his phone, so my guess would be that due to his accented English, she did not enter the correct number. I was next to my dad guiding him this entire time and felt angered by ( 1 ) how long this process was taking when I had all his information ready with his consent to help get the account set up and working for him to use by himself in the future, and most of all ( 2 ) the indignity of having to struggle to provide this information in his non-native language at my dad 's older age, only to not have any of this be worth it because there ultimately was no resolution.
The call was then escalated to a supervisor at Capital One named XXXX ( employee ID : XXXX ), who suggested calling back in 72 hours if the online sign up still did not work. I asked if my dad would need to speak to a Capital One rep again because doing this is discriminatory against those not fluent in English and a huge barrier to access financial products in the US as a working and taxpaying resident albeit not a fluent English speaker. He said he knows this can " be a bit of an inconvenience '' which shows the lack of understanding and empathy of the struggles to access and navigate the US financial system for immigrants and non-native English speakers, and that this was just one more indignity immigrants and racial minorities face in this country.
I am writing not to suggest XXXX or the rep I spoke to at Capital One be fired - that solves nothing. I work at a XXXX and understand the need to verify customers especially given the surge in fraud in financial services. However, I don't think the solution is to have exclusionary and discriminatory policies in place. Rather, I think this type of treatment should be taken seriously by prospective and existing customers to improve big banks ' policies and procedures to be more inclusive rather than creating barriers to building financial wealth. I said this to XXXX on the phone as well. The phone call occurred at XXXX XXXX est, lasted for 20 minutes, and both calls with the first rep and the supervisor was recorded by Capital One. If you're also wondering why the call was made so late - my parents work in food service and don't come home until XXXX XXXX most nights.
I am submitting this complaint as I don't believe me expressing this to XXXX, the supervisor at Capital One, will properly raise the concern and anger I feel that the financial system in this country does not work for people like my parents, to the leaders of Capital One to advocate for changes to their policies and procedures to be more inclusive and make financial products and processes accessible because they " believe in financial independence for everyone '' as they say on their company website. Clearly, " everyone '' does not truly mean everyone here. I'd like to know something is being done to address this as calling to resolve a seemingly common issue should not result in micro aggressions reminding POC and immigrants that the financial system is built to be difficult and exclusionary towards us.
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11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I allege I tendered an offer. And that offer was refused. I hadn't repossession, Because I believe I tendered an offer to them that has been refused. And if they say well, we can handle everything right here, whatever you say like you can pull up my account but I believe I'm going to need to speak to a supervisor because this is an Emergency Banking procedure. And that if the offer is refused and dishonor, which you believe it was, there's grounds to set that off. And that's under audit that's under UCC 3- 603B in each state, they have the same law. I allege that I gave you guys a Social Security Number account, and my signatures and an extension to credit on security paper, and I provided you this information, and your office received it XXXXXXXX XXXX.And they failed to respond to me within XXXX XXXX. Therefore in banking, they accepted my presentment. Now I feel I've been discriminated against, falsely advertised. Due to the process, they had told me this automobile transaction was charged off, then, allegedly, now it's not charged off. And the automobile was repossessed, without my disclosure or knowledge there too, after I had already provided you a tender of payment. And now I alleged that tender payment was dishonored. So I'm demanding that you accept my revocation of all prior negotiations, by election on any instrument that I had provided to your organization or your organization acquired with my information on it, and I demand all proceeds. And per the state law of federal law under Universe, Uniform Commercial Code, UCC 3-306. I'm making my claim to the original instrument that I'm a holder in due course, to the value that has arisen from that transaction. My only mistake was a blank endorsement on the original transaction. I'm now correcting the errors and omissions by demanding the revocation of all elections, to all negotiations to or with your organization, due to the failure to disclose the fitness performance and attributes of accounting, this has caused me damage and I demand trouble the amount of tender of payment trouble the amount that I tendered payment. As my as my XXXX XXXX XXXX from my non failure to state a claim upon which relief shall be granted is trebled the amount of the entire cost from the initial transaction. I allege that this organization Capital One or anyone involved may have made one to XXXX XXXX the amount of credit that was initially established for my signature and XXXX XXXX XXXX, I have already changed the terms and conditions and your organization accepted them. And so now I allege this is a breach of fiduciary duty. In my settlement offer is I will accept my XXXX XXXXXXXX returned to me. And I will accept travel the amount on the on the original instrument. Otherwise, my settlement offer is I get the automobile back. And I get all proceeds that were created from the initial date that I signed. And I alleged I'm do this interest. And I'm do the yield on these investments, because I never got full disclosure. And now that I've discovered this, I'm no longer in the minority state of mind. I'm in the majority state of mind sound mind and I demand these presentments that I've provided to you the issue to me and no less than XXXX XXXX meaning I am do this automobile in return and all proceeds from this account established otherwise, I allege undo the automobile and treble the amount that was established on the original instrument. If I do not get any official response back showing calls from your financial chief officer or Secretary that I have caused deficiency to your org causation than I never cause deficiency. And I allege there's been a, there's been a form of billing error. And that, again, I'm do the repayment of all prior payments to your organization.
And that would be covered under 15 USC 1666, A through D. And I already initiated this information, and your organization accepted it XX/XX/2022 via certified mail with tracking. XXXX. TENDER OF PAYMENT ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. XXXX. SPECIAL INDORSEMENT ; BLANK INDORSEMENT ; ANOMALOUS INDORSEMENT. And I allege this is a breach of fiduciary duty, I yield to the paper, and I expect a response from your organization, no later than XXXX XXXX Otherwise, I may be able to file in any district court and ask for a summary judgment, based on the fact that you have failed, and dishonored my tender offer for payment. Included Police report number XXXX.
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06/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Claim # XXXX for account ending in XXXX I am filing a complaint against Capital one card dispute services for discriminatory policies and practices : dishonest transactions. Capital one card services decision made a dispute decision against me, a customer favoring a company called Your Mechanic for {$150.00}. Capital, one decided to favor Your mechanic for {$150.00} on XX/XX/2020 as my car is in the shop at XXXX XXXX since XX/XX/2020.
Capital one card services know there is a debit card processing in the bank below that my car is being fixed since XX/XX/2020 : Debit Card Purchase - XXXX XXXX # XXXX Purchase {$590.00} Transaction Type : Debit card purchase Purchased : Thu, XX/XX/2020, XXXX XXXX This transaction is pending, which means it hasnt cleared yet and the final amount may change. Pending transactions generally post within 72 hours, at which point you can dispute it if it does not seem right to you.
Appears on the statement as Debit Card Purchase - XXXX XXXX # XXXX Summary Your mechanic brake installation The company Your mechanic failed to honor their own warranty for brake pad installation on XX/XX/2020 and wanted to charge me for inspection which is not legal to honor their warranty. I provided Capital one with all the documents to the warranty as requested to the dispute request. I put in the dispute request to Capital one card services approximately three months ago. Your mechanic decides to respond to Capital one dispute on XX/XX/2020.
I called Capital one card services XX/XX/2020 XXXX, Supervisor he said he would give me time to get my car inspected which I put my car in the shop on XX/XX/2020 by the debit card purchases. Capital one card services decided on the transaction on XX/XX/2020 with is bias and unfair while my car is not completed while XXXX, the supervisor will give me time. Capital one card services are discriminating and treating me as a dishonest customer because of my skin color and disability. I am getting my car inspected at Capital one request and they refuse to honor their own request that they made me do.
I am filing a complaint against Capital one card dispute resolution department for racial and disability discrimination favoring Your mechanic as they are a white own company. In addition, their practices and policies which is not equal to every customer and not honoring their own request as I have my car in the shop at Capital one card dispute request on XX/XX/2020. I sent Capital one card services investigations department several emails and talk with XXXX, a Capital one card services supervisor that I would get my car inspected at their request he said I have time. Then I requested Capital one escalation services to call me and I am waiting to receive a return phone call them. The Capital one card disputes send emails I asked for their names and they refused to respond with their names which I find disturbing.
Today, XXXX # XXXX, another card service supervisor informs me that XXXX, Capital one card services supervisor inform me that XXXX did not tell me the correct policy. However, she failed to tell me the correct policy or send me the correct policy so I can review it as a customer. I told her I put in the dispute three months ago and Capital one disputes gave Your mechanic all this time to respond XX/XX/2020 and now you wouldnt give your customer any time to get their car inspected? XXXX informs me that I could refile later. I responded how do I know you are telling me the truth? You said XXXX was not being honest. Then you said XXXX did not leave any notes? Now how do I know you are not making it up like your name?
XXXX, Capital one card services supervisor told me that I can refile later against Your mechanic XXXX but when I use the email it was sent back to me. She told me I must provide the inspection report too. But how do I suppose to believe as she told me that XXXX, card services supervisor was dishonest and XXXX, card services supervisor was dishonest too? Their rules are inconsistent, and they give different rules to different customers which is bias.
For example, two weeks I ordered some shoes and the sender sent them to the wrong place. I put in a dispute with Capital one card services. Claim # XXXX for account ending in XXXX. Well, the shoes were finally found, and I called Capital one card services and told them I have the shoes. They still honored the claim, so I have the shoes for free. I did not have to go through harassment like the dispute with the company, Your Mechanic, a white car owner, Capital one card services favor.
Capital one card services have demonstrated inconsistent policies for different customers, supervisors dont have any loyalty with each other demonstrates unprofessionalism, policies are biases, and supervisors are dishonest. I am still waiting for the Capital one escalation team to return a phone call back to me.
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10/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I made a payment on XXXX of my Capital One credit cards on XXXX XXXX, paying each account 's balance off. I normally revolve a balance but I got a consolidation loan to pay off all of mine & my husband 's credit cards, so we paid all of our credit cards off with this loan. My husband & I are recently married & we decided to use his bank account, which he put me on, to deposit the loan money in to pay off all of the cards, instead of using our normal day to day checking account, so we have clear cut tracking for this money since we do n't use that checking account very often. Since we do n't have checks for this checking account, I called the bank to ensure we had the correct checking account number, in fact I called twice & spoke with XXXX different ladies to ensure we had the account number right because I was nervous about making these very large payments to all of our card companies, so I wanted to ensure all will go through fine. I submitted all of the card payments to each company on XXXX XXXX & they all bounced over the weekend XXXX XXXX XXXX weekend ), so I had to wait until Tuesday, XXXX XXXX to speak with the bank a third time to see what had happened, which this XXXX lady confirmed my account number with me, & she advised me there are supposed to be XXXX zero 's in the middle of my account number, not the XXXX that the other XXXX ladies must have given me inaccurately. XXXX, I told her that that would mean ALL of my card payments would bounce then due to an incorrect account number entered, which that is exactly what happened. I asked the rep that if any of my cards charge me a returned check fee, would they pay it because this was truly not my fault, & she said if that happened, I would need to submit the proof to them & they would review it & credit it if it qualified. So I called all of my card companies & explained what had happened & had every XXXX of them run another payment to pay all of the balances off XXXX which they all went through this time of course ). I paid all XXXX of my Capital One cards off on XXXX but did not post until XXXX : the balances/payments were XXXX, XXXX & XXXX. When I had called to tell them what happened & re-make my payment, the rep told me that Capital One closed all XXXX of my accounts I had with them because they were alarmed about my activity of the bounced large payments. I explained to the rep what had happened, why I made the large payments, that I got a consolidation loan & why we had used a different account. She transferred me to a fraud rep, which I had to explain my whole story to again & he said his hands were tied, that there 's nothing anyone can do about it, that I would have to wait up to 45 days for the fraud department to review my accounts & they would send me a letter. I received a letter the same week just simply saying they had closed my account. Today is XXXX XXXX, 37 days after they closed my account on XXXX XXXX, the accounts are still closed & there has been no resolution attempt to handle this in a reasonable manner, as all they have just said is my accounts are closed. This is horrifying treatment to a long standing customer! I can not be the only one that has ever taken out a consolidation loan to pay off my credit cards & use a different company to pay my accounts with! I had told the fraud rep when I called on XXXX XXXX that I closed all of my other accounts right after paying the balances off on XXXX XXXX to use my Capital One cards exclusively to become a pay in full customer to earn the cash back rewards & to build my credit back up to create a better non-revolving history, but apparently my reasoning does n't matter to anyone at Capital One, as there is no one there that you can speak to about this matter & this is greatly affecting my credit, showing that Capital One closed my account instead of me & they all are long-standing accounts. I also offered any proof they need, my consolidation loan information for example or they can speak to my bank that gave me the incorrect account number at first so they will know my accounts are not fraudulent, to prove that this is not a fraud transaction, but again, my voice & reasoning was met with the standard, there 's nothing that can be done. I spoke with a rep at my bank on XXXX XXXX about getting a returned payment fee from our XXXX account that they charged me, which I provided her proof on & she credited my account for the fee XXXX charged me because of the known mix-up. I feel I did my due diligence by confirming my account number twice with my bank to ensure accuracy so it is truly not my fault that they did not provide me with accurate information that has affected my accounts being closed, getting fees & ultimately affecting my credit. My request is simply for my XXXX Capital One accounts to be reopened & put back into good standing, as it has been for several years.
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08/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by KOHLS/CAPITALONE. KOHLS/CAPITALONE Acct # XXXX closed my account in XX/XX/2022 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). KOHLS/CAPTALONE never informed me of my rights. KOHLS/CAPITALONE has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let KOHLS/CAPITALONE know about the many issues under TILA & BILLING ERRORS 15 USC 1666 with this account. I have tried to explain multiple times to KOHLS/CAPITALONE what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' SIGNED CONTRACT IS THE INSTRUMENT and it is my right to operate in commerce. Does KOHLS/CAPITALONE know or care about what the penalties for not complying with the ECOA are ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is KOHLS/CAPITALONE appear to be discriminating against me by not letting me extend credit, they are also using defamation there ruining my credit worthiness, tarnishing my name by furnishing negative information " late payments & charge off '' on my consumer reports which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which KOHLS/CAPITALONE NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge off '' defamation on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being discriminated against by them? So how can KOHLS/CAPITALONE say '' I owe '' this alleged debt and think KOHLS/CAPITALONE has the Power & Authority to close this account when FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds , certificates of indebtedness, national bank currency, Federal Reserve notes , Federal Reserve bank notes , coupons , United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so KOHLS/CAPITALONE CAN NOT use the excuse " the consumers lack of timely payments '' as reasoning to close my account. And UNDER FTC AND GRAMM LEECH BLILEY ACT it states I have the right to privacy. I never gave my lawful, legal consent, authorization to KOHLS/CAPITALONE to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties. I'm just trying to make it clear that I have strong reason to believe that under ECOA there is some discrimination occurring. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. FEDERAL LAW supersedes there " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by KOHLS/CAPITALONE against me and my of Consumer Rights.
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04/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We have a Capital One World Elite Master Card Account. We purchased an 8-day cruise with XXXX XXXX XXXX on XX/XX/XXXX w/a booking #. On XX/XX/XXXX until afternoon of XX/XX/XXXX my husband was hospitalized at the emergency room, temporarily XXXX and unable to use the services or cruise on the XX/XX/XXXX thru XX/XX/XXXX sail date as was his wife, who was placed in a XXXX position. We notified XXXX XXXX XXXX of this sudden emergency and his being unable to sail status on XX/XX/XXXX. We also notified Capital One on XX/XX/XXXX and spoke with operator XXXX ID # XXXX from XXXX, ID at XXXX and given case # XXXX. He initiated a recorded call with XXXX XXXX XXXX pertaining to a refund to no avail and we were told told we could dispute this, however, wondered why Capital Ones 12-page online World Elite MasterCard Guide to Benefits ( www.capitalone.comXXXX ) states in the first paragraph the programs and coverages apply to travel and retail purchases made on or after XX/XX/XXXX ( which is applicable to us ) and A. To get coverage : You must purchase the new item entirely with your covered card and/or accumulated points from your covered card for yourself or to give as a gift C. Coverage limitations : The maximum benefit for repair or replacement shall not exceed the actual amount charged on your covered card or {$10000.00}, whichever is less and TRIP CANCELLATION/INTERRUPTION INSURANCE # 6 : bullets 1-3 state : Common carrier means any licensed land, air, or water conveyance operated by those whose occupation or business is the transportation of persons or things without discrimination and for hire. Covered loss means death, accidental injury, disease, or physical illness of the insured person or an immediate family member of the insured person ; or default of the common carrier resulting from financial insolvency. The death, accidental injury, disease, or physical illness must be verified by a physician and must prevent the insured person from traveling on a covered trip. Covered trip means a trip for which common carrier costs ( other than taxi ) are charged to the insured persons credit card account and To get coverage : You must charge the entire cost of the passenger fare ( s ) to the covered account, less redeemable certificates, vouchers, coupons, or free flights awarded from frequent flier cards. The kind of coverage you receive : If a covered cardholder must cancel or interrupt a trip due to a covered loss, the policy will pay up to a maximum benefit of {$1500.00} per trip to reimburse the cardholder for non-refundable expenses incurred. The cardholder must relinquish any unused vouchers, tickets, coupons, or travel privileges for which he or she has been reimbursed. Covered trip means a trip for which common carrier costs ( other than taxi ) are charged to the insured persons credit card account.
***On XX/XX/XXXX we received a letter from Capital One re billing amt. of {$1700.00} stating they were crediting our account in the amount of {$1500.00}. ( Capital One reimbursed port fees, taxes ... in the amt. of {$220.00} in our XX/XX/XXXX thru XX/XX/XXXX billing ). They also stated that if the merchant ( XXXX XXXX XXXX ) provides a response, Capital One will review it.and while they wait the charges will be placed back on the credit card. In the XX/XX/XXXX thru XX/XX/XXXX billing cycle we have been re-charged for {$1500.00}.
A copy of the response that XXXX XXXX XXXX provided to Capital One on or about XX/XX/XXXX stated the booking was cancelled on XX/XX/XXXX. and that the cardholder ( XXXX and XXXX XXXX ) did not purchase Travel Care Insurance , however, when you XXXX Credit Card Benefits | Capital One it pops up with a link www.capitalone.comXXXX and states on the header screen : Credit Card Benefits | Capital One www.capitalone.comXXXX Explore Capital One credit card benefits. Account Management Apps and Digital Services Security Travel and Retail ... Travel Accident Insurance. Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
To date, we have been able to resolve this and are getting the run around from both Capital One World Elite Mastercard service and XXXX XXXX XXXX. XXXX XXXX XXXX indicates that medical documentation received prior to a trip should be sufficient for a " goodwill '' gesture and led us to believe in a refund of full Cruise fare? They also placed other passengers in our cabin? charging us continuing to charge full price to the Capital One credit card.
Not sure how we can resolve this bait and switch, inaccurate, misleading, unfair and unethical credit billing and credit card practices. Further, Capital One stated they may be reporting our dispute to credit agencies. This is a concern and creates additional harm and economic hardship through no fault of our own and we will appreciate help and assistance
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04/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
On XX/XX/XXXX XXXX XXXX XXXX using a POS as a Cash Advance for the amount of {$450.00} off my Capital One Card, which was reported by me the same day as Fraudulent to Capital One Fraud Division. My Capital One Card was cancelled and a new card was issued. I called XXXX XXXX XXXX headquartered out of XXXX, TX, but kept getting the run around with out of country phone Representatives from this Company. Then XXXX XXXX XXXX charged me from my own debit card with XXXX XXXX XXXX XXXX, 2 charges of {$53.00} then {$100.00} twice. Now someone had actual access to my personal checking account via my Debit Card. So I called XXXX and informed them of this fraud which they handled immediately and credited back my account all the 3 charges, shut down that account and opened a new one. But when a New Debit Card was issued XXXX XXXX XXXX with an agreement with Visa called in to get the New Debit Card Number and then I placed a Stop Payment on this charge with XXXX. But I had to wait for Capital One to resolve this matter with them. I was credited back the whole amount of {$450.00} until the fraud case was settled. I did not use this credited amount as in this day and time you can not trust anyone especially companies you can not speak to in person which includes Capital One and XXXX XXXX XXXX. My credit information was exposed by XXXX in a Breach in 2017 and I am still having problems. I have an arbitration going on with XXXX right now as we speak, and a month ago was informed by XXXX XXXX who I use to monitor my credit information, that my information was sold on the Dark Web. I informed Capital One of this and their representative said That is not any of our concern and it has no relevance to my fraud case! But it does because I did not conduct business with American First Finance EVER. I sent multiple letters to XXXX XXXX XXXX, finally as a settlement from XXXX XXXX XXXX they agreed to pay me {$600.00} for my inconvenience and not fight any of the Fraud Charges I had with either Capital One nor XXXX, so both of my own Institutions should refund all the money taken from any account by XXXX XXXX XXXX ( side note XXXX XXXX XXXX is being sued in 4 large Class Action Lawsuits as we speak in California, Texas, Washington XXXX, and Oregon for fraudulent activities and illegal ways of doing business ). XXXX has completed their investigation and all monies from XXXX XXXX XXXX is back in my account. But XXXX XXXX weeks ago ( before XXXX XXXX XXXX XXXX XXXX me ) Capital One sent me an email stating these charges were valid and I did make a purchase. I called in multiple times since to talk to the Fraud Department that states on XXXX XXXX XXXX XXXX XXXX sent in a statement to Capital One stating I leased a mattress from a business and financed it through them. But I told Capital One Representatives multiple times that I was not the actual person that this transaction was was done by and this letter was sent to Capital One before I settled with XXXX XXXX XXXX and to reinvestigate it. Capital One refuses to reinvestigate it even to this day. But yesterday I received a letter from Capital One about the Fraud Case and it has the case number at the top of this letter. That Capital One had investigated this Fraud Charge and I was not liable for these charges. I finally was relieved this was over. But the amount of this charge had not been credited back to my account. So I called into Capital One today XX/XX/XXXX and asked about it. Now today Capital One states this letter was a generic letter sent out on how Capital One views Fraudulent Charges, not sent out specifically in my Fraud Case. I told the representative that this was a complete lie and XXXX XXXX XXXX had settled with me to not refute any charges as they are fraudulent ones, and this letter had a case number to reference this particular charge {$450.00} and not a generic letter sent out. Capital One refused to change their stance on this XXXX XXXX and demands I pay them. I have copies of all the above referenced information back and forth from Capital One, XXXX, XXXX XXXX XXXX, and myself I told them I was willing to send them. Capital One said this morning no matter what I sent in that this case was closed and for me to pay it. Capital One is trying to steal money from me based on nothing but one letter sent before any settlement was reached between myself and XXXX XXXX XXXX and will not reopen anything. Please correct this problem. When I told the Capital One Representative I was recording this phone call this morning he hung up. While Capital One records all phone calls. This is an indication the capital one does not want others to know the length they go to so they can steal from people. I am a XXXX veteran living off XXXX so this money is important to me as is my Great Credit. Please help me!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
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12/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX my PPP loan was deposited into my Capital One bank account {$20000.00}. To this day I have not been given access to the funds in my account, including those not related to PPP. The PPP loan amount was {$20.00}, 180. The total amount frozen is around {$22000.00}. My plan was to use Capital OnXXXX as my business account and not to keep using my main account for both. I learned by the pandemic it is not good to mix the two. I have had the Capital One account since around XXXX. I just never used it much because they did not have a brick and marder location. Now the do have the Capital One Cafes, so I felt comfortable using them for business.
On XX/XX/XXXX I made my first call to Capital One. I was informed that they were investigating to see if my business was real. If I did not want to wait for the investigation I could provide several years of full tax forms, several months of my other bank accounts transactions. Show were I paid or got a refund from the IRS. They stated the XXXX was instructing them to do so.
I contacted the XXXX and was I formed that they did not and the XXXX rep. stated the request was extreme.
After XXXX weeks nothing happened with the release of the fundsor the so called investigation. I began to call Capital One everyday. To be told the same thing. When I asked to speak to someone from investigation I was told I could not and that they had no number nor could they connect me. I was told to email XXXX with the case # XXXX. I was also given the email XXXX. I emailed both. To this day I have not heard back.
I was contacting XXXX since XX/XX/XXXX. I was instructed the funds could go back the the lender and then deposited I to another account.
After another XXXX weeks mid XXXX I was told that I could have the funds returned to the lender and the lender had to request them back. They would not just send them back. I did make the request. Capital One had decided after I asked for the funds to be returned to close my accounts per the rep. on the phone to close my accounts and the funds would be returned to the lender and my other funds would mailed to me in a check.
I had an account for my son which they did close and mail a check, but as for my account they did not close they froze the account. I am still getting statements showing the money is still there.
I reached out to XXXX for another 3 months informing them of the issue and to get the lenders name.
I was told the lender had reached out to Capital One and made the request several times. Capital One kept stating the lender had not, but still would not let me speak to anyone in investigation nor could give me a status on where they were in the investigation. I have had my business and EIN number since XXXX. I could not understand the hold up or process. I was then told by Capital One that they could hold all my funds indefinitely if they wanted.
I was still reaching out to XXXX informing them of the problem, because I had not been given the lender 's name.
In XXXX XXXX walked away from the situation and told me to contact the lender directly. The lender is XXXX XXXX. I called them twice and spoke with an officer who stated they have many in the same situation with Capital One Bank and that they can not go in and pull the funds because the accounts are frozen. She then stated that I most likely will not get my money because they have to pay it back to XXXX when they finally get it back. I was upset and confused. This is my lively hood. She then stated if they do get it back soon then I would have to supply them with more documentation to get the money based off of XXXX.
I called XXXX and was told that this was not true. My loan has already been approved and disbursed. The funds should go to me asap without any additional work or confusion.
I emailed XXXX again and called several times. I have not gotten a response.
I then file a complaint with XXXX regarding the lender but was told I could not file one against Capital One Bank with them.
I can not file for loan forgiveness and have had to take out additional loans from family and friends to try to keep running my business due to not having acces to my PPP money as well as the other money in the account. Per XXXX I will be held accountable for paying back the loan not XXXX, due to it was disbursed to me. I will now have to pay back a loan I never had access and on top of that have had to take out additional loans.
I continue to call Capital One and they are still saying they are investigating and that my lender has not requested the funds returned.
Please assist not Capital One Bank Nor XXXX Loans cares about the consumer and what this does to our lives. I am a single parent of XXXX and this has disrupted and made our lives much more difficult in these trying times and neither entity is trying to resolve it fairly or at all.
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11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have a number of inquiries from this bank that I did not make. As a former loan consultant I know better to make these amount of inquiries even thought they are soft inquiries. My credit score has dropped from XXXX - XXXX kargeky because of the amount of credit inquiries from these companies listed below. this is what it looks like on my credit report I have never made all these inquiries XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXXXXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review InquirXXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XXXX XXXX, XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XXXX XXXX, XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XXXX XXXX, XXXX CAPITAL XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE NXXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXXXXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX Soft Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXXXXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX Account Review Inquiry XX/XX/XXXX CAPITAL ONE XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX XXXX Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Soft Inquiry I have been working for several years to bring financial health to my credit report for purchasing. This with a host of other errors has brought, y XXXX to XXXX capital one
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12/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CAPITAL ONE AUTO FINANCE, is furnishing inaccurate and incorrect information to the consumer reporting agencies.
The account reporting inaccurately is Account # XXXX.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general style of living and my ability to obtain any type of credit for personal and/or household purposes.
The inaccurate information they have reported has negatively impacted and affected my ability to sustain my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; responsibility Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something The term person is defined in 18 U.S.C. 2510 ( 6 ) to mean any individual person as well as natural and legal entities.
As defined by The IRS : Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact, makes their reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off account is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says Capital One Auto Finance is a furnisher of information to a consumer reporting agency.
They ARE PROHIBITED BY LAW to furnish inaccurate information. I demanded them to Cease and Desist the reporting of this incorrect/inaccurate information immediately, and they have failed to do so.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Reasonable cause to believe means a basis for belief in the existence of facts which, in view of the circumstances under and purposes for which the standard is applied, is substantial, objective, and sufficient to satisfy applicable constitutional requirements.
They signed for and received my certified letter on XX/XX/XXXX, and was already put on NOTICE that they were furnishing incorrect inaccurate information.
The lender must file Form 1099-C, and send the consumer a copy if the amount of debt canceled is {$600.00} or more, and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1.
Chapter 1 states : 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ).
6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ).
The above paragraph is taken directly from the IRS 2022 Publication.
Under section : Statements to Debtors, it states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor.
They once again failed to send me my FORM 1099-C that they should have sent when they filed the account as a canceled debt.
My address was listed on the letter!
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and them, and they have been put on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
They have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my Consumer Report.
They have 10 Calendar Days to DELETE THIS ACCONT FROM MY CONSUMER REPORTS!
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03/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ( XXXX ) XXXX Re : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX On XX/XX/XXXX I booked two XXXX XXXX XXXX with XXXX at XXXX XXXX XXXX located at the XXXX XXXX XXXX XXXX for a facial and back massage with my daughter and her XXXX children ( XXXX of us ). I utilized approximately a half hour going over the details with XXXX about age and gender, and names of my daughter and grandchildren beforehand for a spa day and date of XX/XX/XXXX for a XXXX XXXX check-in, since there was not enough staff to accommodate our request before this date and given the services we requested- Initially XXXX attempted to upcharge us for the children but after the manager could not find anything in writing on their website ( regarding the upcharge ) she communicated that she would " Waive the fee '' .We were advised to be there early to check in because we would have to have two opposite services XXXX When we arrived, the receptionist communicated that the facial was not booked nor could we receive massages since they did not have a male massage therapist available for my grandson.
My daughter advised that I cancel all services and follow up with this at another time. She then asked if the spa was corporate or family owned and for a copy of our trail of paperwork, this sparked an epiphany with the manager and we proceeded to get our massages only. We were again reminded of the rules for the children whom understand and respect rules, authority and consequences.
Thankfully we enjoyed our massages, and the massage therapists.
After my XXXX massage with my grandson, he was given his clothes in the room in a plastic bag- told to get dressed in the room and exit the spa. Our granddaughter went to take a shower as part of the dressing room where her clothes were stored in a locker as myself and her mother proceeded to go to the jacuzzi. We were interrupted by the first manager communicating that my grandson could not be in the waiting room of the spa- he left. We were again interrupted n the jacuzzi room and advised that my granddaughter was roaming around- ; when her mother asked for clarification, she was told that my granddaughter was in the shower- she advised that minors could not take a shower- again which is the not in the rules as I have read every fine print available- she was not in the cascading shower which according o your brochure was the walk in small shower that was located in the room with the jacuzzi, sauna, and steam room all located in another room and clearly labeled on the outside. There were no rules in any of the wording in the website FAQS which is attached indicating that minors were not able to take a shower in the locker room where lockers are stored and utilized by all female guests including her belongings.
Feeling uncomfortable with the interruptions, my daughter and I went to the locker room to get dressed, where my granddaughter was also getting dressed. It was then that a third manager came into the locker room and continued to reprimand us in front of her and stated that the she was sorry that they neglected to tell us this rule. At this time, I told the Manager that she had ruined our time and experience and that I felt as a sharecropper must feel to be begging them for a service. This experience was booked as a teaching opportunity for our children/grandchildren to expose them to a supposedly better and professional environment. This ruined my entire days and birthday for one day in which I had to wait and spend half day going over our requests for booking and reserving an open day for services while the whole experience which also left me speechless and shaking inside for the discomfort, verbal abuse and disrespectful treatment sustained by each of us as well as a feeling of disdain regarding this experience. We than proceeded to dress without enjoying anymore of their facility since we were constantly interrupted reprimanded and scolded during our service.
At the front desk we were greeted by a police officer who only served to further agitate the situation again alluded that we said he was disrespectful which we never did. We simply queried why he was there and he blew up at us. He stated that it is his job and that he needed to be there. He was attempting to energy charge us so that he could have an excuse for his behavior. We still had to pay for this disappointing and un customer friendly experience. The whole event left me in tears because this was a birthday treat to enjoy as a family which left me sick, stressed and distressed.
I am attaching a copy of the rules listed on their website for your review. In short, I would like to request a full refund and apology in writing from all.
XXXX XXXX
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06/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Someone never, Ever, intentionally, and deliberately failed to disclose to me that their was " *get this XXXX XXXX XXXX!!! # *A CARD CREDIT OPENINGG FEE??! * SUCH A VITAL NONDISCLOSURE'TO ME IN ADVANCE I WOULD HAD gladly hung up the telephone n rescinded the card immediately this XXXX XXXX XXXX XXXX XXXX, speaking " XXXX XXXX, talk '' n XXXX XXXX are barely understandable to began with.under section 807-806 under the title 15 with debylt collection the misrepresentation of any kind false statements, are deemed Highly unlawful under that code and title for purposes of enforcement.this card issuer is by The-Way dealing in FRAUD n deceit scams by scheming plotting, conspiring to with old Vital data to XXXX veterans such as dunn relative to the whooooppping! {$40.00} fee for being given the card, the false website fraud scam online that has been selling n sharing as This cars is guilty of sending my name and data through a machine based '' credit card sharing system fraudulently XXXX XXXX XXXX XXXX up MY CREDIT WITHOUT MY CONSENT!! I HAVE NOT GIVEN AGREEMENT NOR PERMISSION FOR SUCH SAID SCAM SCHEME FRAID BY FOREIGNORS TO ENGAGE N SUCH A DECEPTIVE TRADE UNFAIR PRACTICES PATTERNS VS ME N MY DEBTOR/CONSUMER RIGHTS.I mean its ridiculous " Every since this card lured me from XXXX, IM GETTING ALL THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! DENUAL OF LOAN N CREDIT CARD SHEETS DOCUMENTS SENT TO MY HOUSE BY WHICH. I NEVER ASKED FOR PERIOD.ALSO TO SAY {$300.00} IS AVAILABLE BUT IN ACTUAL MONEY TIME N REALITY ON $ XXXX/IS AVAILABLE IS THE DEEPEST DECEIT KNOWM TO THE CREDIT CARD INDUSTRU ITS BAIT '' N " SWITCH '' SCHEME FRAUD N OUT OF UTAH, THEIR REAL CROOKS I NEVER ASKED for THIS CARD .TRUTHFUL IN LENDING LAWS ARE BEING FOR A 'PREDICATED SCAM ACT PURPOSE CARRIES OUT BY THIS COMPANY VS CONSUMERS WORLDWIDE AND THATS SERIOUS STUFF BECAUSE THEIR FOREIGN MAKES ITBA COMMERCIAL CRIME PERIOD!! SHUT THEM DOWN FOR CAPPING ' '' AMOUNTS PURPORTING YOYR APPROOVED BUT REALLY YOUR PAYING FOR THE CARD N THAT MUST BE STATED OFFBACK '' #! PLUS BY ALLOWING IDENTIFY THEFT VICTIM 'S TO BE CAIGHT UP IN THIS-DUNN IS EVEM MORE SCAMMY ''! MISLEADING FRAUDULENT BASED*ALSO DECEPTIVE AS IM HARMED RELYING ON THE XXXX $ THEY SAID I GOT AVAILABLE THEY ALLOWED A NONMATCHING NAME TRANSACTION TO GO THRU TOO, online etc, this IS A BILLION DOLLAR INDUSTRY CREDIT CARDS ETC WITH A VERY UNUSEFUL AMOUNT OF CASH TO WORK WITH TO BEGIN WITH TO BE CHARGED ALL THAT DUE NEXT MONTH VS A XXXX WHILE TAKING ADVANTAGE OF A XXXX DURING A CREDIT CARD MECHANISM opportunity /MENTIONING ONLY THE GOOD STUFF ONLINE INSTEAD OF DISCLOSING ALL THE DETAILS OF " HIDDENFEES '' N COST IT A TRAGEDY TO MY CONFIDENCE AS A VETERAN AND AS A CONSUMER TOO.! ATTN, GENERALS OFFICE IS BEYOND USELESS OF ILLINOIS IT IS A XXXX CORRUPTER '' SECTIONS 1692- PROHIBIT INVOKING FEAR N HARM N ABUSE VS DEBTORS N ALSO MISLEADING WORDS N TERMS USED TO DEFRAUD CONSUMERS IS A FEDERAL OFFENSE .WHICJ IS PRETTY MUCH WHY THEIR NOT DISCLOSING THEIR ( 1 ) ASSETS N TRUSTEES N CORPORATE " ACCOUNTABLE '' BOARD PEOPLE SO I CAN SUE THEY XXXX N FEDERAL XXXX DIST COURT.THE POBOX, HURTS THIS OPPORTUNITY "! I WANT THIS COMPANY SHUT DOWN FASR N MADE FINED FOR SECRETIVLY BEING APART OF PROLLY ANOTHER CREDIT CARD COMPANY SHARING ILLEGALLY DATA N MY PERSONAL INFO SO THATY ( 2 ) SCORE TAKES A UNLAWFUL HIT ( WHICH XXXX VIOLATIONS OCCUR FROM SUCH SAID HIT'CAUSING A VIRTUAL INSULATED '' PROTECTIVELY BUBBLE FOR CAPITOL ONE TO SAY '' THIS IS WHY WE CANT GIVE U LOAN INCREASE ETC'+. They have companies i despise names I 've never seen before but I recognize the title on the documents these companies are hate abhor extremely prejudiced discriminatory of companies that are telling me that I 've been denied for some I have n't even apply for it which is extremely conspiratorial because the purpose of this is to keep to keep a brother down to keep my credit score XXXX up and to keep my life a living XXXX when it comes to trying to receive any extension of any kind of monetary help which I regret XXXX does not disclose that you will be subjected to this nor does XXXX 's AKA XXXX.this is discriminator acts n is subjected to a CIVIL RIGHTS ACT AS THE 'INTENT PREDICATED /PRETEXTUAL '' INTENT TO BIAS, /HARM CARD USERS POTENTIALLY MORE COLORED THAN WHITES IS ENOUGH TO BE INVESTIGATED ABOYT AS U KNOW CFPB XXXX HATES GIVING REAL CREDIT CARDS TO XXXX PEOPLE COMMUNITIES ONLY OTHER XXXX N FOREIGNORS STEALING OUR SOCIAL # 'THANKS TOO THE USA GOVERNMENTS : ) XXXX , IM NOT PAYING THEM ZILCH I DEMAND WAIVER OF SUCH {$40.00} FEE OR A JURY CAM DECIDE AS I NEEDES THOUGHT I GET! /I ASKED " XXXX $ MY WINDOW? '' A LADY SAID YES.SO THERE! this is a USA trillion dollar racket! multiply XXXX $ all whom deal with this this feescam is huger than the XXXX fraud n their was immense also pobox '' straw '' hmmmm..not good
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08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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So, my name is XXXX XXXX. For the past few months I have been late on a particular Capital One card. I have strategically avoided being reported 30 days late though by making sure its never this far behind.
On XX/XX/2018 I made a payment in the amount of {$50.00} to my Capital One account, via the app with a debit card. XX/XX/XXXX was definitely due, however in this case I was paying the past due amount from XX/XX/XXXX. The account was four days from being reported 30 days late.
When I make a payment the app will usually give you a confirmation number, this day it did not. It gave an error message, but I still got a text notification from my bank about the transaction. Okay cool. I didn't think any thing of it.
Well I get on the app about a week or so later, I'm none the wiser that they haven't even gotten or processed and applied this payment to my account even though the money was taken.
So I call and they issue a payment adjustment on the premises that I fax over proof the payment was made within 30 days or so of the adjustment. That took long enough. The agent on the phone, needed to call the financial institution and verify that there was a transaction.
First of all, prove I didn't make the payment. So, I go ahead and send over a screenshot of the mobile app via a faxing app in my phone ( which is an awesome app btw ) and don't think anything of it.
Well I call about 4-5 days later and they tell me that this screenshot is too blurry and the best thing they need is a electronic funds transfer report from the financial institution and not even a statement of my transactions for XX/XX/XXXX cycle from the bank will work. Okay. Wow.
They didn't even send me a letter to notify me, here I am only getting the standard letter that they need this type of proof, however in my mind I know sometimes these letters are automatically generated so I really don't pay too much attention.
I call the bank ( like they want me to ) and ask for a statement or electronic funds transfer report XXXX well this isn't a bank and I kept trying to explain that to Capital One ) and they say my account doesn't cycle until XX/XX/XXXX and it costs {$5.00} and they can't do a funds transfer report they can only do a statement. This a problem, cause Capital One said they need proof of where the payment went to and the electronic funds transfer report will show where it went to, or what account number. So they can't provide this.
Are you kidding me? You're putting me through all this XXXX when YOU lost my payment Capital One. I am so upset and disgusted. The biggest thing I'm concerned about is that they issued an adjustment and if I couldn't provide that proof, I'd have to be reported late to the credit bureaus for their app 's error or mistake.
Fast forward, I'm on the phone with a supervisor at the payment investigation department ... I'm giving them the card number, account number, they can not locate this payment or seem to locate it ANYWHERE like it's just GONE. So I get sick of it and I say okay, here 's what we're gon na do ... I'm gon na dispute the charge ( since it's not like you can find the payment anyways ) and I'm going to go ahead and make the payment again. And then catch up on the payment due for XX/XX/XXXX and XX/XX/XXXX so I don't get anothet 30 day late report even THOUGH it's there fault and I wasn't ever 30 days late. The XXXX.
But I do this knowing I will still have to try to get proof that the payment was made and that I would be 30 days late after the payment adjustment is revoked because of failure to provide proof of payment. Again, fast forward. I look on my XXXX report and find 1 late payment from the Capital One account ending in XXXX. This is absolutely nutts, I made a payment late but the bottom line is it was made before it was 30 days late and they LOST IT.
So now, not only do I have a late payment on my credit report, I even went back and paid XX/XX/XXXX after disputing the {$50.00}, then paid the current total amount due for XX/XX/XXXX and XX/XX/XXXX. Not its not due until XX/XX/XXXX, and THEY STILL reported me late for their error. T
his is absolutely crazy and I am on here today because it's not showing on XXXX, or XXXX as of yet and the funny thing is my score went up when I updated it even though I got my first late payment ever in 4 years of credit history.
Please help me someone I am beyond frustrated with Capital One and the bank that the prepaid card is issued through is beyond abysmal and doesn't seem to be competent enough to get ahold of them and I feel like there's no solution, because they can't provide an electronic funds transfer report ( which will show the account number the payment went to ) they can only provide a statement, which according to capital one isn't proof enough to prove I made the payment on XX/XX/XXXX.
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03/30/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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An offer was received from Capital One for a limited-time offer to open a 360 Performance Savings account and receive a bonus up to {$1000.00} based on the funds held in the account. Reviewing the offer requirements, it appears the funds need to be held in the account for 90 days following the initial funding period. What the offer fails to state is the 15 days of the initial funding period are not counted as part of the the 90-day period. After opening the account, there is a window of 15 days to deposit money into the account ; however, the 90-day period doesn't start until after the 15-day funding period ends. This information is not clearly stated in the offer and is deceptive to the common reader. When I spoke with a representative at Capital One on the phone, she also agreed with the fact that the language is not clear. It may have been clear to the person writing the requirements, but they were also probably too close to the process to see that consumers XXXX not understand what they were trying to describe. The end result is that I was expecting to receive the highest tier award of {$1000.00} because I held over {$100000.00} in the account for 101 days and only received {$100.00} because I withdrew the funds 4 days prior to meeting the actual requirement of 105 days. The statement that would have been helpful is if they stated the funds have to be held for 90 days after the 15 day initial funding period ends. For an actual total of 105 days.
Below are the guidelines for the offer.
About this message Questions? Give us a buzz at XXXX XXXX XXXX to talk to a real person. Were here 7 days a week, XXXX XXXX XXXX. ET.
Capital One reserves the right to withdraw this offer, with or without notice, in its sole discretion if it is determined that fraud or any other factor beyond its control is impacting the integrity of the offer and campaign.
If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.
Certain deposit transactions initiated through the Capital One website to retrieve funds from your external account are subject to limits. If you are subject to these limits, in order to meet the offer requirements, you would need to initiate the deposit by another external method, such as mobile deposit or setting the initial deposit to send ( rather than be retrieved from ) from your external financial institution.
Heres the full scoop on how to earn your bonus : 1. Open a 360 Performance Savings account betweeXXXX XXXX XXXX ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, ensure the promo code XXXX is entered in the Promo Code XXXX
2. Deposit a total of {$10000.00} or more ( Deposit Amount ) of new money from externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained the Deposit Amount of {$10000.00} or more for 90 days following the Initial Funding Period. The amount of your bonus will be determined as follows : {$100.00} bonusThe new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that XXXX XXXX for 90 days.
{$500.00} bonusThe new money deposited from an external bank during the Initial Funding Period was between $ XXXX {$99000.00}, and you maintained that Deposit Amount for 90 days.
{$1000.00} bonusThe new money deposited from an external bank during the Initial Funding Period was more than {$100000.00}, and you maintained that Deposit Amount for 90 days.
3. Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above, including fulfilling the 90-day holding period. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tiers cash bonus. If your Deposit Amount decreases to an amount less than {$10000.00}, you will not qualify for a cash bonus. This offer can not be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Performance Savings account. Bonuses are considered interest and will be reported on IRS form 1099-INT.
When will I get my bonus?
Your bonus will be deposited into your new 360 Performance Savings account by the date stated below :
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07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I arrived in XXXX, XXXX on XX/XX/ at around XXXX XXXX for a 5 days vacation to stay in XXXX XXXX XXXX and XXXX. As I as walking out of the XXXX XXXX XXXX I was approached by many people offering me transportation and taxi services, one of them solicitors was this woman who had a ID card and a handheld point of sale machine, to be used for card transactions. She appeared to be a genuine taxi services provider, we agreed on a deal of {$30.00} USD for my ride from the XXXX XXXX to my hotel in XXXX XXXX XXXX. She offered me the option of paying by card so I gave her my CapitalOne REI Co-Op card which she swiped at her mobile XXXX machine, she said she charged me {$30.00} USD but after swiping my card she told me that she her XXXX machine had ran out of paper earlier in the day so she can not give me a paper receipt. She did not inform me about that before running my card. I was a little apprehensive after hearing that, so while the taxi was driving out of the airport I immediately checked my CapitalOne app on my XXXX and noticed the charge of {$310.00} USD, by this time the taxi was already on the way out of the airport, so I told the driver to turn around and take me back to that woman. I was being rushed through this fraud quickly by the driver and the woman. The driver called that woman on the phone, and we met in front of the airport terminal again, she said it must have been a mistake on her part so she will refund to my card and send me an email as receipt of that refund. Credit card refunds don't reflect on your online account right away as compared to regular transactions, usually refunds take a couple of business days to show on my online statement. In a couple of minutes I received an email from the email address XXXX confirming that they have processed a refund of {$310.00}. The woman asked me if I can pay {$30.00} USD cash to the driver instead of using the CapitalOne card that this would be a new transaction with only cash. So the first card transaction was cancelled and then we agreed to a new deal with just cash. I agreed to pay the driver in cash after reaching my destination which was the hotel. After receiving the refund email, I thought the issue had been resolved so I went on my way to the hotel in XXXX XXXX XXXX and paid the driver cash {$30.00} USD. However, I was still feeling a little uneasy about the whole thing, so I called the Capital One customer service the next day XX/XX/XXXX and reported this incident and checked with them if they see the refund amount in their system. CapitalOne customer service asked me to wait a couple days until the refund is processed and shows on my account. So, I waited and then on Saturday XX/XX/XXXX, I saw there was a refund of only {$17.00} USD ( which is XXXX XXXX pesos ), instead of {$310.00} USD as confirmed in the refund email from the merchant XXXX XXXX. I tried contacting the merchant XXXX XXXX XXXX but was unsuccessful following which I contacted CapitalOne customer service and reported the incident as fraud, the fraudsters defrauded me twice, first when they charged me {$310.00} USD instead of {$30.00} USD to my Re-Co Op card and then when they said they are going to refund me the whole {$310.00} USD but instead only refunded {$17.00} USD. I did not authorize or sign this transaction in any way digitally or on paper. She took my card and swiped it for a much greater amount than what we agreed on without my knowledge. I have tried to contact the merchant many times but have been unsuccessful. CapitalOne is refusing to create a dispute case inspite of me calling them many times right from the beginning and providing all the necessary documents like email screenshots, copies of airline boarding pass, hotel reservation. CapitalOne is insisting that they will not open a dispute case with the merchant unless I can provide a copy of the receipt of the cash payment I made to the driver. I have explained to CapitalOne repeatedly that the cash payment was made as part of a whole separate transaction and that the fraudsters did not give me a receipt for that either, quite simply put they made me fall into their trap while I was expecting I would be provided with a receipt. The fraudsters did not mention that they are out of printing paper in their POS machine before swiping my card. CapitalOne has insisted that they will not help me further with this case and I am liable to pay for the charges. They have advised me to contact the merchant which I have tried multiple times with no success. CapitalOne has been thoroughly unhelpful and disappointing.
I am attaching the copies of the following documents in support of this case : 1.CapitalOne credit card statement 2.Capital One Dispute update letter 3.Screenshots of refund email from the merchant XXXX XXXX 4.Airline Boarding pass 5.Hotel reservation
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01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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To whom this may concern My Name is XXXX my reason for reaching out is to share with you my horrible experience while at XXXX XXXX on XXXX XXXX XXXX pa well i must start by saying On the XXXX of XXXX I went into the dealership I actually had an appointment for XXXX, I arrived on time went to the front to check in after i checked in i was directed to sit at table to wait for an associate I waited a about a half before trying to get someone attention to see how long I would have been waiting one of the worker to get to me to start the process he brushed me off told me someone would be with me shortly I sat for another half an hour i had gotten up to walk to the counter to see what was going on then notice a person that came after me was being helped so i asked the secretary how much longer because I see someone that came after me is being helped she told me she was sorry she was gon na go find me someone & re-directed me to another table told me someone would be over shortly so now I have been there for a hour in the half & they sent over two young girls they were training so now I'm kind of un easy about the whole situation but i stayed & let them began the process so I'm done answering all the questions we finally find two cars I like unfortunately I was not able to test drive couldn't get in to see it either I'm not sure why but I didn't care at the moment I just wanted what I came for a ( CAR ) so at this point I had to wait ton see what bank would approve me now its been about a hour still didn't hear anything from the guys who's running my paperwork now I'm getting hungry, thirsty restless cause I feel like nothing good was gon na come out of what I was going threw, I was offered a water but didn't get that until I had to remind the girl that i was still waiting for the one she offered me again I just wanted a car.. Now its going on XXXX o clock ( XXXX ) I had been late picking up my children had to pay for a late fee because of the inconvenience of her being late to her second job, so now its about XXXX XXXX I explained to the guy like hey I'm local you could give me a call with the results & I'll come back the next day to get the car because they have done it with previous customers the associate said that why i asked him she advise me to she could tell i was ready to go so I asked him he again told me Promised me he would only need XXXX more mins, I asked him directly why is it taking so long mind you i had a XXXX appointment it's going on XXXX He then explained saying you don't have much income & your credit is bad! He also went on saying you have multiple hits on your credit I told him i had on two things in collection he tried to tell me i had more but all along he was looking at someone else paperwork & thought it was mines if that's not un professional then I don't know what is! So i told him that's not mines had someone else name on there anyway that wasn't the kicker he told me he finally found a bank but now he had to find me a car because he didn't wan na take a loss with the car I picked out with the associate at that point i was XXXX! He told me I could have a seat his associate was gon na see what he can find for my price range so he walked over to service another person & the associate didn't seem to be looking up or at anything so I left upset, angry frustrated betrayed violated!! USC 1681 ( a ) It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction 1681 ( 1 ) on the basis of race, color, religion.national origin, XXXX or marital status or age ( provided the applicant has capacity to contract ) 1681 ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or1681 ( 3 ) Because the applicant has in good faith exercised any right under this chapter, To make an inquiry of the applicant income derives from any public assiatance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels credit history or other pertinent in regulations of the Bureau.Pursuant to the 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair and accurate to me.You allowing inaccuracies to be furnished on my consumer reports has caused me to loose confidence in the banking system and as a result i will no longer be extending my credit ti anyone, norwill I allow you to furnisha report on my behalf as a result I am demanding that situation be addresed.I have not heard anything back from them yesterday however i received my denial letter stating why they denied me I just hope this issue is addressed I think i would be publishing this story in a article to expose XXXX & any one affiliated My contact # XXXX lease reach out if you have any questions XXXX XXXX
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12/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This new complaint is in addition to CFPB complaint id XXXX. After I submitted the previous complaint but before the CFPB submitted it to XXXX XXXX I received a call from XXXX at XXXX XXXX executive relations on XXXX. Ms. XXXX and I had lengthy conversation about the matter and new information has become available since that conversation.
As of this writing I have left a message for Ms. XXXX but have not received a return phone call yet.
Ms. XXXX informed me that the reason my dispute was not processed or accepted by the merchant bank is that there is no chargeback rights or chargeback reason code for my dispute. More specifically I was informed that under the Visa chargeback code 13.1 " item not received '' the cardholder must return the merchandise before a chargeback can be processed. However, in my initial complaint I addressed this issue stating that the cardholder inquired with merchant to return the merchandise and was only told by the merchant that there would be a " return fee '' if I returned it.
Upon review of Visa Core rules for 13.1, invalid disputes include " a transaction in which merchandise is being held by the cardholder 's country 's customs agency. '' This seems to clearly state that reason code 13.1 was not a valid reason for chargeback in this matter.
The merchant response to the chargeback stated that the merchandise was being held in customs for the cardholder to pick up. At this point it was the duty of Capital One to change the chargeback reason to code to the correct code. Capital One had 30 days from the time they received the merchant response to submit a pre arbitration VROL filing with the correct code. Capital One failed to submit that information and failed to call me or request the needed information to properly submit a pre arbitration filing. See copy of XX/XX/2020 letter from Capital One. Capital One knowing that the merchandise was held in Customs requested " a statement saying that neither you nor anyone authorized by you has signed for or received the merchandise. '' and also " If you received the merchandise but want to continue the dispute, include a detailed description of the reason for your dispute ... .. '' Neither request was pertinent to the dispute with merchandise being held in customs as : 1 ) My XX/XX/XXXX reply to the XX/XX/XXXX letter did say I had never received the merchandise however this reason would only be applicable if the merchandise was not held in customs. 2 ) Capital One requested more documentation only if I had received the merchandise. I had not.
It appears there is not a chargeback code applicable to the dispute. This dispute arose out of the breach of a written contract between cardholder and merchant. Specifically the merchant seller was required to ship the merchandise by XX/XX/XXXX U.S. time. The merchant did not ship until XX/XX/2020. The contract calls for the merchant to refund the cardholder in full if the merchant ships late. Further it was agreed that the merchandise would arrive in XXXX by the end of XX/XX/2020. It did nor arrive until XX/XX/2020.
There appears to be no chargeback reason code for " breach of contract '' that I have found.
Since there is no Visa reason code, this matter seems to fall under the Visa compliance rules. These rules are applicable when there is no dispute rights. There is also no deadline to file a VROL pre compliance notice. See Visa Core Rules section XXXX.
Every merchant has an agreement with it's bank and Visa. The merchant promises good faith dealing with cardholders. Breaching the terms of sale with a cardholder would be a breach of Visa rules. Here the written contract was an integral part of the Visa transaction. The merchant is not in compliance with Visa rules and therefore a pre compliance VROL submission should now be made by Capital One to the merchant bank.
Attached documents : Page from merchant seller response stating the goods are being held in customs.
Section 5.10 from Visa Supplementary rules stating that a merchant must disclose on its website the return policy. Here the merchant disclosed no specific return policy.
Section 4.12 Visa Supplementary rules stating all obligations under the merchant agreement must be performed in compliance with applicable laws. A breach of written contract with cardholder would be in violation of all applicable law.
Section 11.12 Compliance section of Visa core rules stating when the Visa member may submit a pre compliance attempt. This includes when the member has no dispute right as in this case.
Visa core rule 1.5.2.1 reiterating rules from section 4.12 Visa Supplementary rules XX/XX/2020 letter from Capital One to cardholder.
Visa core rule 13.1 invalid disputes showing that this dispute reason is invalid when the merchandise is being held in customs.
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11/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
The law requires a meeting of the minds or a contract or agreement between two entities such as XXXX XXXX XXXX XXXX XXXX and me for there to be a requirement for me to pay them for a service or product. However, I have never seen a single paper for the move on XX/XX/XXXX, rental of storage units for {$200.00} each on XX/XX/XXXX or for any other charges related to my move. Therefore, there is NO contract or agreement. According to the law, I dont owe XXXX XXXX to XXXX XXXX XXXX XXXX XXXX.
I have asked Capital One to have XXXX XXXX XXXX XXXX XXXX prove I agreed to pay what they are charged my credit card for. I want to see the itemization for the move to make sure it is accurate. My calculations indicate the movers only worked 8 hours total before they walked off the job and I had to hire someone. else to finish the job. The price was {$160.00} per hour. If I allow 10 hours then the cost would be {$1600.00}. There was a third month of a rental for a storage unit for {$150.00} that I owed. {$1600.00} + {$150.00} = {$1700.00}. The cost of someone else to finish the job [ XXXX XXXX XXXX XXXX XXXX was told at XXXX XXXX on XX/XX/XXXX if I had to hire someone else to put the furniture where it is supposed to go, I was not going to pay them. ] Therefore, I am allowed to deduct {$350.00} which I have a receipt from the other company. I was charged {$300.00} for the use of blankets for the few pieces of furniture to be moved on XX/XX/XXXX. I was told when XXXX XXXX XXXX XXXX XXXX received the blankets back, I would receive a cash refund of {$250.00}. Therefore, since I never received the refund and it is owed to me. The {$250.00} is deducted from the {$1700.00}.
{$1700.00} - {$350.00} - {$250.00} = {$1100.00}. My possessions were insured for replacement value. The 5 cupboards in the garage cost {$200.00} each ( I have the receipt ). I told the movers I wanted to remove the levelers before they were loaded on the truck. The movers refused to allow the levelers to be removed and deliberately twisted the cupboards damaging them and then told me I would have to sign a release for the damage. NO RELEASE WAS SIGNED BY ME. If the levelers were removed, there would not have been any damage. XXXX XXXX XXXX XXXX XXXX knew about the damage on XX/XX/XXXX and when the cupboards were delivered on XX/XX/XXXX. When the cupboards were removed from the truck, I again requested to be allowed to remove the levelers. The apartment is carpeted and levelers are never used with carpet. XXXX XXXX XXXX XXXX XXXX refused again. I had to hire someone to remove the levelers to make the cupboards stable on the carpet. The movers put the cupboards on the carpet far enough away from the wall ( I requested they be put against the wall ) so that if I opened the doors on a cupboard, it would fall over on top of me. The cupboards are damaged from XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX have the right to repair the cupboards. However, they have refused to do so. Therefore, they owe me for the replacement cost of 5 x {$200.00} = {$1000.00}. {$1100.00} - {$1000.00} = {$180.00}.
XXXX XXXX XXXX a XXXX took 4 of my packing blankets that they used to move my possessions. Therefore, I am owed the cost of my blankets which is about {$50.00} each. This more than covers the {$180.00} remaining on the cost of the move. XXXX XXXX XXXX XXXX XXXX charged my Capital One card for {$3300.00} without any explanation of what I was being charged for. THERE IS NO MEETING OF THE MINDS.
XXXX XXXX XXXX XXXX XXXX has never provided a single document indicating I paid them {$400.00} on XX/XX/XXXX. If I paid them, they should have a receipt of something with my signature on it. I never paid XXXX XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX. I dont owe additional rent on something I never rented. Once again, there is NO MEETING OF THE MINDS.
The Two {$250.00} charges to my credit card are total fabrication and I have no idea what they are for. XXXX XXXX XXXX XXXX XXXX have never provided any documentation that I owe another {$500.00} for the move. Once again there is NO MEETING OF THE MINDS.
SINCE XXXX XXXX XXXX XXXX XXXX HAVE NOT PROVIDED A SINGLE DOCUMENT PROVING I AGREED TO PAY THEM XXXX XXXX FOR THE MOVE, I SHOULD NOT HAVE BEEN CHARGED XXXX XXXX FOR THE MOVE. I NEVER GAVE WRITTEN PERMISSION FOR XXXX XXXX XXXX XXXX XXXX TO CHARGE ANYTHING TO MY CAPITAL ONE CREDIT CARD AFTER XX/XX/XXXX. CAPITAL ONE HAS TOLD ME XXXX XXXX XXXX XXXX XXXX HAS WRITTEN PERMISSION TO CHARGE MY CREDIT CARD. NOT ONE DOCUMENT HAS BEEN PROVIDED BY XXXX XXXX XXXX XXXX XXXX TO PROVE I GAVE THEM PERMISSION TO CHARGE MY CREDIT CARD AFTER XX/XX/XXXX. THEREFORE, CAPITAL ONE VIOLATED THE LAW BY ALLOWING THE CHARGES TO BE PLACED ON MY CREDIT CARD.
CAPITAL ONE HAS BROKEN THE LAWS THAT PROTECT CONSUMERS FROM FRAUDULENT ACTS BY BUSINESSES.
|
12/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
For the last 6 months, there has been word that my company was on the verge of going out of business due to the COVID-19 pandemic. I have been on edge for the last 10 months, as Im sure most of us are, worrying about all my bills and debt, and how to navigate my finances during these hard times. I was forced to make the hard choice to either hold on to my savings and live off of them in the event of losing my employment, or minimize my financial burden to ease the stress.
On XX/XX/2020, I decided to dip into my savings to pay off this credit credit card that i had been making minimum payments on for a little over 2 years. I researched and found the pay-off amount which was {$3000.00} and I made that entire payment on XX/XX/XXXX.
Later, on XX/XX/2020, I received an email from Capital One showing a balance of {$20.00}. I didnt think anything of it and just thought to myself that its probably due to a lag in their system - they have not updated my records to show that the balance had been paid off in full. On XX/XX/2020, I received another email reminder saying that I have a payment of {$20.00} due by XX/XX/2020. At that time I realized that the balance showing on my account is not due to a lag in updating my account. Capital One had in fact charged me {$20.00} after paying off my entire balance.
On XX/XX/2020, I contacted Customer Service. I explained to the first rep that I had paid off my credit card the previous month but somehow, Capital One charged me an additional {$20.00} and I did not think that this was supposed to be charged. I asked that the amount be removed/reversed from my account to reflect a {$0.00} balance ; however, the CS rep said that the charge was for residual interest and fees from having a balance on my account the previous month.Further, I needed to have a {$0.00} balance for 2 months in order for Capital One to stop charging any more fees and interests. Therefore, due to this policy, they would not remove the charge. I then stated that the amount I paid was on my account was the pay-off balance which means that once that is paid off, there will be no additional charges by the bank, and also, how can they charge interest and fees in the next billing cycle when the interest and fees should have been charged and applied to the previous balance, which is what I had just paid off? All the CS reps stonewalled me and could not give me a legitimate response. They gave the obligatory response that its their company policy and they can not do anything for me. After being transferred to numerous CS reps and several disconnected calls between reps, I spoke to the last person who was supposedly the manager and she said to me there is absolutely no way to waive that {$20.00} fee and interest charge.
I was completely disturbed by the answers I got from each CS rep as I had never heard of a credit card company being unable to waive a fee. I explained to each of them that at the very least, that fee should be waived as a gesture of good faith as I have had the credit card for 10 years. I have dealt with different credit card companies, including Capital One and have asked for a waiver of fees, interest, late fees, etc, and have been given those with minimal effort as a courtesy, notwithstanding the company policy. A lot of the amounts that Capital One has waived in the past has even been much, much higher than the {$20.00} waiver I requested. Those phone calls were ended with no resolution.
As of today, XX/XX/2020, Capital One still has my account reflecting the previous balance of {$20.00} and they have gone further and charged an additional {$20.00} for late fees and I now have a balance of {$40.00}. iI is clear to me that Capital One is unwilling to be reasonable. Clearly, this is not a large amount of money being disputed over, but it is a matter of principle. I suspect that they will keep charging my account more and more money and find a way to keep finagling money out of me. If they are doing this to me, I am willing to bet they are doing this to many others - it is fraudulent, illegal, unconscionable and downright criminal to treat consumers in this way. The ill-gotten money keeps multiplying exponentially by defrauding consumers under the guise of residual interest and fees and I am absolutely appalled by this treatment.
I did everything I was supposed to do - got the pay-off amount and paid what I owed in the amount of $ XXXX in the middle of a pandemic when most of our jobs are NOT secure. I am asking you for your assistance in resolving this dispute with capital one and making them do the right thing - have them reverse the so-called residual interest and fees, stop charging additional fees on my account, and bring my account down to a XXXX balance.
All your help is greatly appreciated. Thank you!
|
09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I made a purchase on XX/XX/XXXX for tickets to Lights over America event in advertised to be held in XXXX XXXX for XX/XX/XXXX ( XXXX $ ). Merchant refuse to give out venue location, no address as ever revealed. Merchant purposely change terms on their support chat and never actually try provided support ends on their event. Merchant never sent out details about their event, no venue, no map, tips, rules or safety concern. Every attempt to obtain info about the event had been done by me ( week of XX/XX/XXXX ). Further research reveal merchant blocks all comments and review on social medias ( purposely to prevent customers speaking out against them ), contact with state officials fire marshals shows merchant has no permit and event is illegal and illegitimate. The merchant has a past histories of cancelling event last minute and " has events weekly in USA but no actual footage, post, tags or actual evidence that any of their events actually happened. Not a single post on XXXX, XXXX, XXXX, XXXX has merchant includes past and future event lineup, food, vendors, actual weather forecast, map, directions, contacts. Previous news report on them from XXXX XXXX. " https : XXXX '' Scampulse also contain many reports of their fraudulent, malicious, discriminating, violation to privacy behavior.
On XX/XX/XXXX, the merchant Lights over America sent out a email alerting attendees, the event is postponed ( of course just like their past fake events ). " Their first reason Wind direction is wrong at their new locations '' while never one reveal their old and new location for the event. Second reason XXXX restrictions, which banned all chairs and restrooms. This is also a false claims as there a no restrictions in place in the state of Illinois or Wisconsin. I was able to attend another live event on XX/XX/XXXX ( exact same date ) in XXXXXXXX XXXX. And a live concert on XX/XX/XXXX outside of XXXX. The merchant also states they will reveal new date for event with in a week, which they still have not, even until now ( XXXX ). Tixr their ticketing software partner state if a event is cancel without a date will auto refund.
When I realized the merchant was purpose avoiding location venue questions, and making up never before posted or written terms to keep me uninformed, I could choose to file a dispute with Capital One Credit Card. ( XXXX ) Initially Capital One did not accept any evident or details from me. I call back on XXXX, asking them if I can provide more info, capital one inform they will reach out to me later. Capital One return back to me on XX/XX/XXXX, stating I did not win my dispute, reason : Notification that goods were as described and received in good condition. So tickets to an event that never gave out venue location, is then cancelled, rescheduled with no dates and again no location is goods received in good condition? And this is all determine without giving a chance provide for me to provide my side. Capital One sent me another letter on XX/XX/XXXX for Multiple statements. XX/XX/XXXX I call back asking how should I approach, with an agent saying " just send in what you have describing what happened and we will review it '' and gave me an online link to submit. I submitted my timeline of events and my experience to Capital One that night. That was all I was able to write for the night. Thinking I could send in more information over the next couple of days, statements and evidence does take time to write and reorganize. XX/XX/XXXX Capital one send me a letter stating I haven't sent in the requested documents yet, and they can't help me with what I can sent in. I reach out later that day asking for details how should I sent in evidence and statements, the agent has oh don't worry we probably haven't review everything yet, and refers me back to the previous letter to send in statements. Later that day on XX/XX/XXXX I sent in a few more docs, and on XX/XX/XXXX Capital One says they can't assist due to lack to docs on my end and is closing the case. I call back to Capital One, stating I have more documents to submit and can they open the case back up, the agent replied they will open case when I submit more items. Which I did on XX/XX/XXXX and XXXX. XXXX particular statement requested was " a second opinion on company letterhead from another merchant in the same field that states how the service was defective or did not match the description of your sales invoice '', this will take time to obtain. XXXX Capital Sent out an email " Based on the information we have from you and the merchant, the original charge is still considered valid. '' with no new formal letter. So currently what is the status of my case? I am confused as to if capital one actually review my documents and evidence completely and actually want to me submit more.
|
04/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
This letter is in regards to a dispute with a local gym, for membership charges in the amount of {$70.00} for the months of XX/XX/XXXX, and XX/XX/XXXX, amounting to {$140.00} in total that were charged to my Capital One Venture Card.
I disputed these charges because I have not been a member of this gym, nor had I been charged for membership in nearly a year. I cancelled my membership in XX/XX/XXXX, and was not charged for 8 months. Suddenly, I started getting charged again in XX/XX/XXXX. Why these charges suddenly started appearing on my statement again is beyond me. I filed a dispute with Capital One explaining the situation, but they refused to credit my account for the charges, and provided me with some very thin documentation from the vendor. I reviewed the documentation provided by the merchant, and I saw nothing that shows justification of these charges. All they provided were receipts for the time that I was a member. I see no contract, or documentation that would support their claim, and no explanation of why they started charging me again almost a year after my membership was cancelled. The card they are charging is not even the same card they had on file, so Im not sure how the charges went through. The merchant has provided NO documentation that justifies the charges for the months of XX/XX/XXXX an XX/XX/XXXX and I strenuously dispute their claim.
I noticed on the Summary in the documentation provided, that it stated The cardholder entered their card details through a secure online invoice system and authorized the Merchant to store and charge the card for this payment. This statement is false. I personally never entered my information anywhere. There was NO online system of any kind. The vendor had my credit card written down for payment. They charged my credit card as a recurring charge, which was valid as long as I was a member of that establishment. Upon my cancellation, that membership, and all recurring charges were null and void. The Summary also says CH ( card holder ) authorized this payment for goods and services. No goods were received, and no service was rendered, and as such, no charges are valid. The merchant did not provide me any service of any kind, nor was any good received from them. There would be no monetary loss of the merchant resulting from time provided, or tangible goods provided. I cancelled my monthly membership MONTHS ago, and considered all transactions, both current, and future, final at that time. This was a MONTH to MONTH agreement which can be cancelled at any time.
The cancellation of my membership was a verbal conversation. There was no documentation provided by the merchant, or myself. The only documented transaction between myself and the merchant, was the original contract for a monthly membership of {$35.00} for myself. Again, this was a MONTH TO MONTH agreement, not a never ending contract. When my wife started going to the gym with me, they just added her charges to my account. No written authorization was given for them to charge my account for double the amount. That alone violated our contractual agreement. I implored Capital One to seek a copy of the written contract from them. I did not notice a contract, or cancellation policy in the documentation they provided, because a contract for the amount of {$70.00} a month does not exist. To provide one would be them providing proof of a false claim.
This is an attempt of theft by the merchant. An obvious fact in this matter is the charge periods. Ask yourself this question, why was there such a large gap between charges? Since this was a MONTH to MONTH agreement, why did charges stop, and resume months later? The answer is because I cancelled my membership, and have not set foot in that facility in over a year to date. As a valued customer of Capital One, I requested multiple times that they cancel these charges, and credit my account. I spend a great deal of money every single month with Capital One ( averaging about $ XXXX/month ), and I received no support in this matter. I pay my bill off almost every single month. I have never been late. If this was not resolved to my satisfaction, I told Capital One that I will be forced to take my business elsewhere, but they had no regard of losing a customer. They refused to back charge the merchant, or credit my account for the bogus charges. In addition, I informed them that if this dispute is not resolved, I will be forced to take legal action against the local gym. The vendor is attempting to steal from me by unlawfully charging my credit card, and I consider that credit card fraud. I will be filing a small claims dispute with the local county justice of the peace.
For Identification purposes with Capital One : in lieu of credit card # Capital One Case # XXXX and XXXX
|
07/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
XX/XX/XXXX I received a First Draw PPP loan for my business from XXXX XXXX XXXX which was deposited into my checking account in the amount of {$20000.00} on XX/XX/XXXX. My Second Draw was deposited into the same account on XXXX XXXX. The following day XXXX XXXX I withdrew $ XXXX from my first draw. Capital One questioned me about the money I was withdrawing. Had to move to another drive through and speak with someone else. Questioned me about my money that belong to me that I am responsible for paying back if loan not forgiven. I nearly waited half hour before they approved the withdrawal. Even though it was monies in my personal account that was being used along using the PPP loan monies for my business. The monies that was my personal monies I would use, deposit or withdraw from. I kept track of the monies I used for PPP Loan for the business ( bills, payroll etc.. ) Wasn't able to open up a business account at the time due to my hours at work. My wife SS retirement check is also deposited into the checking account monthly. On or around about XX/XX/XXXX Capital One froze my checking account. I notice when I went online and notice that the checking account showed Your funds are currently not available for withdrawal. Please call us at XXXX bills. I decided to go into the bank personally with my wife on XX/XX/XXXX to see what was going on and also to see if I could withdraw the personal funds from the account. The teller had to call someone on the phone. Teller returned and stated the department wanted her to asked us some questions. Gave her our tax id number, when the business established and teller proceeded back to the phone. Returned again said that they are asking for more information call this number XXXX and email address XXXX left highly upset that this has happened. We have been with Capital One since XXXX or XXXX. My wife had her business accounts with them until it closed. My wife went into Capital One bank on XXXX XXXX spoke with teller and withdrew ALL her monies from her saving accounts. Teller had to make a call first and told her she could withdraw from her savings because that is not froze, was told she could not withdraw from the checking account of personal funds not business funds because of the freeze. What kind of XXXX is that. We called the XXXX number. The Protection Resolution Team stated that they needed more information. On XX/XX/XXXX I emailed my signed PPP Loan application of the amount and my Schedule C Profit and Loss from Business XXXX. On XX/XX/XXXX, received a call from XXXX still investigating. What was sent was not enough. Now they are asking my XXXX Taxes. I told them I was not going to send them anything. This doesn't make any since that I have to provide this information which the money is mine and I am responsible for paying in back. I asked for them to close the account or send the money back. She stated they can't close but can return the funds and it would take 5 days. The next day I called and spoke with XXXX around XX/XX/XXXX they are still don't know how long. I asked for a supervisor. Spoke with Supervisor XXXX told her of my previous conversation with XXXX. It may take a couple of days it have been escalated but the weekend coming up may be next week. I have been calling since then. Same story different day. I called XXXX XXXX XXXX PPP Cancellation team on XX/XX/XXXX and spoke w/XXXX and told her what was going on. She said I could fill out a cancellation form. XXXX emailed the cancellation form. I filled out the form and emailed back that evening and requested if funds once cancelled from Capital One be deposited into my business account with another bank.
On XX/XX/XXXX I emailed Harvest Small Business and Womply whom the PPP loan application was done through, a letter about what was going on with Capital One. I called XXXX and asked what can the bank do about sending the monies back. The lady stated they can write a check in the amount of the funds and mail to Harvest Business Loan XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XX/XX/XXXX, I called Capital One and asked for a Supervisor. Spoke with XXXX. Told her what XXXX stated to me. She stated she could not send them a check. She stated on XX/XX/XXXX a Harmless letter was sent to XXXX. They are waiting on them to respond. It could take up to 90 days. She said they couldn't release the funds at all. I stated to her how disappointed and upset I was and can't believe Capital One have treated me in this matter. After ending the call I forgot to asked her if she could send me copy of the letter Capital One sent XXXX. I called back and spoke w/XXXX and he couldn't connect me to a specific person. Stated to me I could not get a copy of the letter and my relationship with Capital One have ended.
XXXX XXXX
|
06/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
Back i n XX/XX/XXXX I w ent in to payment arrangements to make up for an arrearage in auto loan payments th at Capital One Auto Finance said I had to enter into before allowing 2 payments t o be added to the end of my loan period as a means to bring my account current. In order to do so I had to agree to ACH payments on a given date each month, which I did. They were to take out XXXX on XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . I gave them my bank account routing # and account #. Th e 1st payme nt was done as agreed. However, the next payment was not processed, so I thought. I realized that they have processed th e 2nd payment through a bank account that I NEVER gave them for this loan but had used once betw een XX/XX/XXXX and XX/XX/XXXX ( ca n't rememb er exactly ) to make a one time payment on my husband 's XXXX card account when he was out of town and did n't have access to pay himself. The discover card last four-digits was XXXX and expired XX/XX/XXXX . Als o this account was still active but rarely used and could categorized as dormant because of the low balance and was only in service because it was a local bank as a back-up for my account with XXXX , which is online and the only account I ever supplied them to use. Needless to say, the ACH payment was returned for insufficient funds. I was furious when I found this out and called them upset. It was hard trying to resolve because they have these people who have not authority to make decisions and of course they accuse you of making up elaborate stories to get out of paying and meanwhile I continue to get calls threatening to pick up the car. I finally am given to a special customer service department and a Guy named XXXX helps me. He takes care of the matter and refunds my NSF fees I incurred and re- process my payments to the correct account # and says he deleted my account endi ng in XX/XX/XXXX ( which by law should have never been still in their system, which he confirmed. It was n't until XX/XX/XXXX I r ealized that they never took th e 2 payme nts off and added them to the end of the payment because I had looked at my credit report and they were still s howing me 3 payments past due and the amount due never changed along with late pay fees and interest. I was confused because they were continuing to take electronic payments out of my account and I thought I should be fine. I was still getting collection calls but I ignored them thinking they were more courtesy than anything because in my mind I was not past due. Until one day I got a call threatening repossession of the car and the total balance of the loan was due. I went into my account on line ( I elected not to get paper statements ) and foun d that indeed my balance was still showing the 2 payments, fees and interest that should not have been there as a result of my payment plan we agreed to. When I calle d Capital One, to find out why I was told that those 2 payme nts were not moved becaus e one of my payments came back as insufficient funds and that nullified the agreement. Well I lost it!! They were holding against me the error they made by choosing a dormant account that by law should have never been in their system in th e 1st place? I was transferred to so many people trying to explain and hung up on by two reps but it was n't until I was crying, threatening to sue that I was given a Supervisor who took care of the two payments, whic h were transferred to the end XX/XX/XXXX . Well now I have lost my job and I called the other day to let them know because I elected and was paying into insurance that would cover the payments should this happen until the representative told me she did not see that I had that insurance and there was nothing they could do to help. What??? I could not believe this! Here again, this company is practicing deception. It is bad enough that I was paying an extremely high interest but to know that I was not entered into the insurance plan I asked for, but was put into the warranty that I declined, was the end of th e straw and the reason for this complaint. I have no way to prove it except for my husband and the salesman ( who I am sure would deny it ). Given my experience with Capital One, I have not doubt that I was tricked at the dealership. Birds of a feather flock together. I have no interest in paying the remainder of this loan. As far as I am concerned with what I have been through, the balance should be forgiven by Capital One. After all with the amount of money I have paid, this car was paid off at least 3 years ago. Anything you can do to help me and others against this type of unfair and deceptive business practic es by Capital One Auto Finance will be greatly appreciated. Please help me!
|
11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
My girlfriend and I went to XXXX XXXX in XXXX, IL on XX/XX/XXXX. She was looking to buy a XXXX XXXX XXXX. We met with our salesman " XXXX ''. We test drove the car and decided that was what she wanted. She applied for a loan, what we were told was through XXXX XXXX. They returned after running her credit and said she would need a co-singer. I informed them that I would to try it through XXXX and that was all. I explained to them that I did n't want to risk the points On my credit. While waiting the salesman told me that they use XXXX for their loans. After a long wait XXXX told us they were waiting for an answer. He did n't want to keep us there any longer. We left and went to dinner. He called us and told us they could do it but it would be a high down payment. She told them that she would speak to a private lender and get back to them. When we were ready to leave from dinner we received emails from XXXX XXXX that there was new hard inquiries on our credit. We both checked and there was XXXX on each of ours. XXXX was from XXXX XXXX " not a lender just a dealership '' and another from XXXX. We did n't think much of it at the time. She went to a local bank not sure of the day, applied and found out they would give her a loan on a lesser amount for used car without a co-signer. She then called XXXX to tell them the situation. After looking for a few days for a used car in her price range. On the XX/XX/XXXX she found a used one located at XXXX they had just taken in on trade. She spoke with XXXX on the XX/XX/XXXX and told him she was interested. He said they could contact the same lender and see what they could do on it since they already ran her credit and had all her info. She told him she wanted to do it on her own with no co-signer. She received a call back saying that they would still need money down. They were working the numbers on it so she could take the totals to the bank. Later that day she got a call from XXXX saying they would still need money down. I spoke with him later and told him the numbers were n't gon na work. He said he 'd talk to the manager in the morning and get back to me. He called me the XX/XX/XXXX and said they were n't gon na budge on the price but they had a XXXX they could get sold that day for her price. I told him we were absolutely not interested. Shortly after we received emails from XXXX XXXX that we both had several more hard inquiries on our report. This time from completely different lenders. I called my bank to explain what I seen if it was legal and what I could do to fix it. They told me to contact the reporting agency and dispute it. They were closed for the weekend. Sunday I looked at my credit and found that there was XXXX from XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX. There was also XXXX from XXXX on the XX/XX/XXXX. Also XXXX from XXXX XXXX on the XX/XX/XXXX. So I called XXXX XXXX first thing on Monday morning to XXXX. They told me they only ran my credit once. I told I wanted to speak to a manager. The manager was unavailable that he would call me back. I then called XXXX XXXX to verify all the info and there was all of them that I stated. I then called the dealer to ask why they ran my credit all those times. They repeatedly ignored my calls. When they finally called me I questioned the finance manager " unsure his name '' and he told me they had the right to run my credit as much as they wanted. I reminded them that my girlfriend was adamant about wanting to do it on her own with no co-signer. He said that does n't matter because she was n't approved for the full amount. Therefore since my name was on the original he can keep running it to try for approval with as many lenders as it takes. Then he proceeded to tell me they only sent our info to XXXX and it was them who requested all the other lenders. I told him he was wrong and needed to make it right. I was told he 'd look into it and call me back by the end of the day. I 've yet to hear back from him. It 's been two days now. I received a call from the XXXX manager today and explained the situation. He said it was strange that they kept getting requests for different vehicles from the same place. He also informed me of all the attempts from the dealer. Then we spoke about the allegations of them contacting the other lenders. He said absolutely not which I already knew. He told me I needed to file a complaint with CFPB as well as disputes with both credit bureaus and make complaints against all involved even them. The lenders are only running what they 're requested and I told him I understand. I explained that I know how easy it is for the dealer to reverse the inquiries on my credit. He said I was correct but the dealer had to do it or I 'd have to go this route. The dealer is refusing to fix this so here we are.
|
09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
I made two separate bookings for door replacement ( XXXX on XX/XX/XXXX for {$390.00}, and one on XX/XX/XXXX, {$29.00}, and {$360.00}. Both bookings charged my account, but did not perform the service. I disputed the charge of the first booking ( XXXX ) not realizing that it would interfere with future bookings. My replacement booking ( from XXXX ) was then canceled. I created another booking for XX/XX/XXXX. Again I was charged for the work, but the pro never showed up. My account was immediately credited ( by XXXX ) and the amount refunded. On XX/XX/XXXX Capital One challenged the XXXX refund of XXXX, citing a double refund from the credit card issuer and XXXX. There was only one refund issued for each of the transactions. There was no double refund issued. A double refund would have resulted in three refunds instead of two. Therefore I have a charge of {$390.00} on my credit card for work that I never received.
The following are correspondence from Capital One regarding the matter.
Dear XXXX Here 's an update on your dispute with XXXX* XXXX on XX/XX/XXXX for {$390.00}.
We credited your account for {$390.00}, the amount you are disputing. If you were charged any fees or interest related to that amount, we also credited your account for those. In addition, if we reported anything to the credit bureaus about this transaction, we sent them updated information.
We've asked the merchant to respond to your claim. If they provide a response, we will review it. We'll let you know if we need you to provide additional information to resolve your claim, and while we wait for your response, the charges will be placed back on your account. Please keep all documentation on hand for at least 90 days. Unless we hear back from the merchant, we consider your case closed.
If you have any questions, please give us a call at XXXX.
Dear XXXX Here 's an update on your dispute with XXXX* XXXX XXXX on XX/XX/2022 for {$390.00}.
We credited your account for {$390.00}, the amount you are disputing, and we found the merchant credited your account, too.
Since your account was credited twice for this dispute, we are removing the credit that Capital One had applied. This adjustment will appear within the next one to two billing statements. Just to remind you, this is a correction and not a charge that you made.
The transaction and the credit we applied to your account cancel each other out. Here 's an example to show how that works : 1. Let 's say, you made a purchase in the amount of {$50.00} with your Capital One card.
2. Due to an issue with your purchase, you called Capital One to dispute the charge. We immediately credited your account for {$50.00}.
3. Several days later, the merchant also credited your account for {$50.00}, not knowing that you had already received a credit for this charge from Capital One.
4. So now your account was credited twice-once by Capital One and once by the merchant-when only one {$50.00} credit was needed.
5. To fix this, Capital One removed the duplicate credit by reapplying {$50.00} to your account. This is noted as an adjustment on your statement and is not an additional charge.
We hope this helps explain the adjustment you'll see on your statement.
At this time, we consider your case closed. We apologize for any confusion this may have caused. If you have any questions, please give us a call at XXXX. We're available from XXXX XXXX. to XXXX XXXX
I contacted the company and received this response : XXXX ( Handy XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX Hello XXXX, Thanks for reaching out to us.
Upon checking, we can see that dispute is still active. As aforementioned since the funds are already frozen, we're unable to process a refund or any action on our end.
Please seek assistance with your bank regarding this matter and also to check the status of your dispute.
Let us know if there's anything else we can help with.
Best, XXXX The correspondence referenced : XXXX ( Handy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX We apologize for the delayed response. We're receiving a higher volume of inbound than normal but we're doing our best to reply as soon as possible.
Upon checking, we've received a dispute alert from your charge on XX/XX/XXXX amounting to {$390.00}. However, we've already refunded this one to close the dispute. Please allow 3-5 business days for these funds to post to your account.
Additionally, your booking scheduled for XX/XX/XXXX was cancelled and your account was deactivated by our Payments Team so this trend doesn't continue for future bookings.
Unfortunately, we're no longer able to reactivate your account and it will remain inactive indefinitely.
If you still have other concerns, you can reply to this email, and we will be happy to assist you.
Best, XXXX
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03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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During XX/XX/XXXX, I applied for a Wal-Mart Credit Card through Capital One Credit Card Services. I receive an email on XX/XX/XXXX stating " Your new Capital One Walmart RewardsTM Card is in the mail and should arrive by XX/XX/XXXX. When you receive it, follow the instructions on your card to start using it. '' The following month on XX/XX/XXXX I call Capital One to let them know about the fraudulent activity on my card. They said they would investigate and help me resolve this issue. The fraudulent purchases were made in New Jersey. The date of the fraudulent purchases was XX/XX/XXXX. This is only 5 days after they said I would receive my card. I told the the Capital One person who was helping me, that I have never been to New Jersey and I have never purchased any XXXX equipment. He made sure the card could not be used anymore and issued me a new one.
On XX/XX/XXXX, I received a letter from Capital One stating that " We want to assure you that you won't be liable for any unauthorized charges. '' This is definitely an " unauthorized charge. '' n XX/XX/XXXX, I received a letter from Capital One stating " We're happy to tell you that your fraud investigation with Capital One is Now resolved. '' It goes on to say, " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The statement I received from XX/XX/XXXX to XX/XX/XXXX, showed a credit in the amount of {$950.00}. I was relieved to see this and thought that this nightmare was over.
Sadly, it wasn't over. The statement for XXXX through XXXX came and I saw the charges back on my card.
On Monday, XX/XX/XXXX at approximately XXXX I called Capital One customer service and asked to speak to someone about the fraud that was happening to my account. The woman who I spoke to said that they had found that no fraud had occurred on my card and that is why they put the charges back on my account. I explained the situation but sadly, she would not look any further into the matter because the investigation was closed.
I asked her to please close my account so this would not happen to me again. She closed the account and said I would be responsible for those fraudulent charges. I explained that I did not authorize or have knowledge of those purchases.
After I hung up with the representative from Capital One, I found the letter dated XX/XX/XXXX, which stated the fraud investigation was now resolved. At the bottom of the letter it had a totally different phone number than the one I dialed on Monday evening ( XX/XX/XXXX ). On Tuesday Morning ( XX/XX/XXXX ), I dialed XXXX and spoke to someone in Fraud department who then sent me to a supervisor by the name of XXXX. I explained to XXXX the fraud that had occurred to my account. She said there was nothing she could do and Capital One had not found any evidence of fraud. I couldn't believe what I was hearing. I told her that I have never been to New Jersey and that I have not purchased or authorized any purchases from that XXXX XXXX on the date of XX/XX/XXXX. We spoke on the phone for about an hour. XXXX went on to say that there was another letter dated XX/XX/XXXX that informed me about the resolution to my fraud case. I told her that I had not received that letter and she said it was mailed and I should have received it. I explained to her that the only letter I received dated XX/XX/XXXX was the one I read to her. She then read another letter with the same date and said that letter was in their system and I should have received it. I asked her to mail it to me and she said it would take 7 to 10 business days. She also asked me to give her my address and I told her, " you already have my address on file, why do you need it again? '' and she said she couldn't mail me the letter unless I gave her the address first.
I asked her to please let me know what her investigation entailed and she told me she couldn't give me that information. I then asked her to please give me the address or phone number of the place where the fraudulent charges were made. She said she didn't have one. I asked how do you know this is a legit business? She said they do business with many companies who don't supply an address or a phone number.
I could not believe this!!!!!!!
I was in shock!!!!!!
I asked her then how do I investigate this fraud if you can't give me any information. She said that there was nothing else she could do to help me.
I looked up the " XXXX XXXX # XXXX '' online and it comes up as a scam alert site https : XXXX I told XXXX about this and still she would not look any further in to my case.
I am asking CFPB to please help me find out why Capital One will not credit my account and see the fraud they are doing to me and to countless others who may be in a similar situation.
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10/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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When I first set up my credit account at XXXX, the system was down. I stood in the store, giving my address multiple times, for around 30 minutes. At which point the XXXX employee took down my contact information, including address, and said that she would have to call in my information, and would call me back when it was done. She did, and I awaited the delivery of my XXXX store credit card, and first bill. As time went on so did life, and I overlooked the fact that nothing had been received. That is until I received an email stating I was past due.
When I called Capital One, I spoke with an understanding representative who informed me that the address on file was not at all my address, but I did not ask what address was listed. She placed me on hold to order a new card, copies of statements, and informed me that my account had been re-set back to day one. All fees had been credited, and despite my ability to make a payment that day, she said I could pay on my next due date. XX/XX/2018, is the third due date Ive had the opportunity to pay since that phone call.
While I received the statements, I did not receive the card. It was at this point I contacted Capital One again with the email address provided by the XXXX. About two weeks passed, at which point I received a phone call from a XXXX at the corporate office. When I called back, the voicemail I reached seemed to be for someone else, as the voice was different, and the name used didnt sound the same. I left a voicemail, answering the questions, and informing that my email was quite detailed, and my issue straightforward. I want my card, access to my online account so I can set up auto-pay, and any charges credited due to Capital Ones error.
Several more weeks pass, and I receive a letter from XXXX stating that I will not get a replacement card until my past due balance is brought current, and no mention about the error in address and how that has negatively affected my account. Only that it was reported to the credit bureaus that I disputed the charges.
This is unacceptable. First, how can it be a replacement card when I never received the first one? I want online access so I can easily look through my statements, and manage my account appropriately. So far Capital One is 2-0, leading to my skepticism of any information I am going to receive over the phone.
I have taken my time to research the credit card act, as I felt that if this wasnt illegal it is undoubtedly highly unethical, and Parking my debt. I list my reasons below, where I believe Capital One has violated the credit card act, and their own terms. It is for these reasons I have informed the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) and XXXX corporate office.
1. The Fair Credit Reporting Act ( FCRA ), states that a financial institution which extends credit, and regularly, in the ordinary course of business, furnishes information to consumer reporting agencies, such institution shall provide notice of negative reporting. While posting this on a bill is sufficient it must be provided, and conspicuous. Capital One failed to do this when I did not receive my statements.
2. Per Section 127 ( b ) ( 12 ) of the Truth In Lending Act ( 15 U.S.C. 1637 ( b ) ( 12 ) states ; ( A ) Late Payment Deadline Required To Be Disclosed. In the case of a credit card account under an open end consumer credit plan under which a late fee or charge my be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.
3. Section 163 ( a ) further outlines ; Time to make payments. A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.
Im certain there are more statutes which have been violated, and continue to be violated, by Capital Ones failure to rectify its billing error. But, frankly, this has taken up too much of my time, efforts, and inconvenience, to research further. The bottom line is my bill was delayed, therefore I was unable to pay. I have paid in a timely manner for the three months I have received statements since. I am not, and can not be, in default.
Therefore, I expect the following resolutions :
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08/02/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I applied for a capital one card that I have late payments for. The card is now closed and Capital One sold the account to XXXX XXXX. I have made several attempts with Capital One after my situation changed to began making payments to clear this debt from my credit. I have sent letter, fax information, email the CEO XXXX XXXX. I have made numerous of telephone calls to Capital One to discuss this issue but has unsuccessful. On XX/XX/XXXX,. XXXX I spoke with a supervisor ID # XXXX first name XXXX. Before speaking with XXXX I spoke with a representative that informed me that my account was closed and charged off on XXXX XXXX. After I was provided with this information she continued to informed me that Capital One however still was reporting to the credit bureaus in XXXX and XXXX of XXXX " late payments '' and from XX/XX/XXXX to XX/XX/XXXX " fail to pay ''. Once I was transferred to XXXX ID # XXXX I explained to her that according to the FCRA once an account is closed and charged off the reporting agency can no longer report to the credit bureaus the account is " late ''. I also spoke to XXXX regarding a courtesy of removing the late payment from my account. I explained to her that I understand the debt was mine and I was willing to pay it. XXXX informed me that the company did not do that. I explained to XXXX that I had evidence that the agency has REMOVED late payments from another individual credit report as courtesy. XXXX informed me that at the time of reporting the information was accurate. I provide XXXX with section 623 ( a ) ( 2 ) that states that a company can " update '' information to the credit bureaus, regardless of whether they were accurate at one point. After providing her with this information I asked to speak with her supervisor and she informed me that she was the highest person in the agency. This I was sure was untrue. I informed her that lying was also a violation to my rights. I at that time threaten to report her as well as the company to the FTC, BBB, CFPB and follow up with legal action if needed. After this conversation she stated she would be able to provide my information to the executive of the company for a call back. Keep in mind this conversation happen in XX/XX/XXXX. Even after this conversation I still attempted to solved my debt with the company. I contacted XXXX XXXX regarding an delete to pay agreement. The representative at this time informed me that they could not do anything but collect money. The representative than suggested that I contact Capital One again regarding " reclaiming '' my account so I could make payment directly to Capital One instead of going through a third party. I was unsuccessful with this task because I again spoke to a representative that told me there was nothing that could be done. I still than took another step to correct this step by sending a email to the CEO XXXX XXXX on XX/XX/XXXX. After this email I received a call from one of his executive on XX/XX/XXXX her name was XXXX ID # XXXX contact # XXXX ext XXXX XXXX. I explained my situation to her and she stated that I would received some kind of communication in the next 30-60 days. Here we are three almost 4 months later and I have still yet to receive any kind of communication. I than took ANOTHER step to solve this issue by contacting XXXX XXXX again to settle my debt and they are not informing me that they no longer have my account. Im sure this occurred because I initially made an complaint against them for not properly notifying me of the debt. They stated they did but when I asked for Validation of this it could be provided.
Here we are 3 months since I made the complaint and threatening to make a complaint with the CFPB without any help. I have reached out more than necessary to solve this debt.
I understand this is my debt and all I have been attempting to do is pay it off so I can moved forward with my housing process. This account has been the hardest to solve and I know based on all of the information provided that it is against my right for all of this to occur.
Due to my rights being violated numerous of times, previously I was requesting a courtesy to removed the late payments from my credit report but at this point I am requesting the ALL of the late payments on my account be updated to current and that Capital One work with me to develop a plan to cover the remaining balance.
At no point am I requesting this debt be deleted but I am asking that Capital One work with me to get this debt solved and for the ALL of the late payments to be removed due to the numerous of violation this company has made regarding my account.
NOTE : IF CAPTIAL ONE HAS SOLD MY ACCOUNT TO ANOTHER COLLECTION AGENCY, THIS AGAIN WILL BE A VIOLATION BECAUSE I WAS NOT GIVEN THE PROPER NOTIFICATION AGAIN.
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10/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
Older American |
I tried to use this credit card for a major deposit for a vacation on XXXX XXXX and was not able to do so. I received a call Sat. XXXX XXXX, at XXXX XXXX from Capital One saying my account was delinquent. I informed them I did not receive a statement for the month in question. They stated I was a customer who received my statement by mail. To which I replied I maintained an online account and I had the XXXX XXXX statement email notification in my files, an email confirming the XXXX XXXX statement was paid as well as the initial email from XXXX/XXXX/XXXX confirming my account was set up for online access. I did not receive the XXXX statement notification via email as well as did not receive a XXXX statement via US mail. I was then transferred to another representative, XXXX, who admitted Capital One transferred their online account website and my account info was lost in the process. He agreed to waive the late payment and said he would apply that amount of the {$25.00} late fee as a refund on my account and that I should just pay the {$370.00}. When I asked why I was unable to use the credit card the day before he told it was because Capital One put my account on hold for non payment which I very much dispute. It was their fault I did n't receive my statement and it was their fault they did n't inform me of the change in website and it was their fault they " lost '' my online account notification and information in their website transfer. Since XXXX had agreed to waive the late fee he obviously understood it was Capital One 's own lack of follow through that created the problem.
I then asked for the hold on my account to be released since none of this was my doing. XXXX replied he could not address that but would transfer me back to the previous department who could address my question. During the 15+ mins I waited to be transferred back I went into my personal banking website, and created an online payment to cover the total amount we owed of {$370.00} for both the XXXX and XXXX transactions. Meaning our account was now completely paid in full. This payment is processing through our bank and will be delivered to Capital One on XXXX/XXXX/XXXX and I copied the confirmation information from my personal bank to confirm the transaction as proof to Capital One the payment was successfully processed by my bank. XXXX was attentive and checked back with me during the 15+ mins I waited and I have no complaint with him.
I finally was transferred to an " XXXX '' to address my question. She was most uncooperative and although she understood and agreed Capital One was at fault for the problem, she however refused to release the hold on my account even when I offered to email her a copy of the bank confirmation of my payment being processed. She indicated she would only release the hold on my account if I would cancel my bank payment and apply the payment through the Capital One online payment system.
Since I have never paid my bill in that manner in the past and I indicated same to her, and I had already created the online payment to Capital One I did not feel I should be required to cancel that payment and use the Capital One system in order for my account hold to be cleared.
When I indicated this was not acceptable to me she refused to consider that Capital One created this issue for me, it was their own error that caused the decline of my credit card and I was due some " consideration '' for my inconvenience and lack of ability to use my approved credit card.
I then asked XXXX if they would rather the account be closed rather than re-consider their treatment of my complaint. She absolutely refused to reconsider and treated me as though this mess was my fault since I would not use Capital One 's online payment system. I did n't create the problem and I do not feel I should have to have my reputation be put in question over Capital One 's own error.
When I indicated I wanted the account closed XXXX went into a litany of statements she said she was required to read that dealt with unpaid statements and charges. When I indicated all our charges were already paid, she was most rude and tried to say it was my fault for interrupting her when she was reading her statements. I am most dissatisfied with the treatment I received and at XXXX 's lack of consideration, cooperation and understanding that I was not at fault and I was penalized by Capital One by the inability to use my credit card as a result of Capital One 's practices.
I very much feel XXXX should be reprimanded for her total lack of customer service and regard for a problem her company caused to me and one to which they were unresponsive in finding a mutually acceptable resolution.
Follow up with Capital One on my complaint would be appreciated.
Thank you.
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05/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Here is the explanation of the problem : In XXXX, I found out that for one of my purchases, I needed to have a master card, not visa or anything else, which I didn't have. I came to the US in XXXX, and my credit score was poor to have a credit card. So I applied at Capital One. The condition they gave me at that time, was to pay a deposit. Per the person I spoke to, the amount of XXXX $ would be kept in, that if I use my credit card, I will have to pay for back. Because I really need to have a master card, I sent a check of XXXX $ ( I reached out to my bank if they would have provided me with the receipt of that check, they said that more than five years, they can't ).
I was notified last XXXX that due to inactivity, my card will be closed in XX/XX/XXXX. As soon as I received that message, I called Capital One to first check if they can cancel their decision about the closing of the account/card, I was told that they can't do that, but if I wanted to open another account, I should apply again. I then asked the person about the XXXX $ that was paid to open the account/ card, she said, " the XXXX $ will be sent to you when the closing will be completed in XXXX. However, there is XXXX $ reward that will be sent to you before the closing ''.
I waited to get the XXXX $ in XXXX, I didn't get anything back. I called Capital One, and spoke to three different representatives : - The first representative told me that my card has never been a secured account ; that I had never send a XXXX XXXX deposit for my account/card. I told him that I paid the amount, and it was a condition for me to open the account. He said, " I saw a check here, but it was a payment that you made after using the card ''. I told him that the first XXXX $ check that I sent was given to me as a condition to open the account, and I barely used the card.
- After the first conversation, I called back to ask for the number of the check that the first representative referred to, this one did not even acknowledge that I had ever paid that amount in any transactions.
- The third one almost repeated what the second has said.
I called my Bank if they could provided me with a bank statement for the last six months of XXXX, they said that they were able to only go five years back, that more than that it's difficult.
I reached out to my lawyer who wrote to Capital One, they never got back to her. Below is the letter she sent to Capital One.
She then advised me to reach out to you, I want Capital One to pay my money back, as well as all the time and energy lost in trying to solve this issue.
Thanks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ILLINOIS XXXX FAX ( XXXX ) XXXX TELEPHONE ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Via U.S. Mail and email : XXXX XXXX : Customer Relations Capital One XXXX XXXX XXXX XXXX XXXX
XXXX, VA XXXX XXXX : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX. : XXXX To Whom It May Concern : Please be advised that XXXX XXXX XXXX has contacted our office regarding the above account, which was closed for inactivity in XX/XX/XXXX.
Mr. XXXX informs me that when he opened the account in XXXX, a {$500.00} deposit was required and was paid. He was told that this deposit would be held in reserve but that he could not charge against it ; thus it was a little different from a typical secured credit card account.
When he was notified that his account would be closed, Mr. XXXX called and asked about the deposit, he was told that he would receive it when his account closed in XX/XX/XXXX. In the meantime, he was sent what he was told was a reward of {$18.00}. When he received no refund in XXXX, he called and was told by one representative that his account never was a secured account and he never paid a {$500.00} deposit. This representative told him they saw a check payment in XXXX but that it was merely a payment on the account, not a deposit. A second and third representative he attempted to speak to did not acknowledge that there ever was a {$500.00} payment.
Please send Mr. XXXX a full history of this account from the beginning and a comprehensive accounting of his XXXX {$500.00} deposit. Further, please refund the {$500.00} to Mr. XXXX within ten days of receipt of this letter. If you fail to comply, Mr. XXXX has been advised regarding all available remedies, including, but not limited to, a complaint with the Consumer Financial Protection Bureau. Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX Attorney at Law cc : XXXX XXXX
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03/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American, Servicemember |
Capital One closed GM Master Card Account that has been used since XXXX apparently due to age discrimination in that I am XXXX years of age.
Actions taken are shown below in two letters as copied less enclosures. Telephone conversations are not cited : Capital One representatives signed for these letters sent by certified mail, return receipt requested.
1. First letter : XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX Capital One Bank XXXX Capital One XXXX Attention : XXXX Fraud Department XXXX, XXXX XXXX Dear Action Officer : This is in reference to Case number XXXX.
XXXX furnished : a. GM Card Number : XXXX XXXX XXXX XXXX. XXXX XXXX is attached. ( See Enclosure 1 ) XXXX XXXX Driver License is attached. ( See Enclosure 2 ) XXXX Facts bearing on the case as follow : During a visit on XXXX XX/XX/XXXX, to the Pharmacy at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, I lost my billfold.
That same evening I contacted a point of contact by phone at the XXXX hour Customer Center and told the individual that billfold had been lost and also requested a new card.
The next day, XXXX XX/XX/XXXX, I received a message from someone at the Pharmacy who said " your stuff is here and you can pick it up at Security. '' I returned to the Pharmacy that same day and got the billfold. Nothing was missing from the billfold. I told the officer on duty at Security to please give my thanks to the individual who found billfold.
I received the new GM Card in a very timely manner. Called and was able to activate the card. One purchase was made with card in the amount of {$130.00} on XXXX XX/XX/XXXX, at XXXX, XXXX, XXXX.
On XXXX XX/XX/XXXX, I attempted to pay for a purchase of utility trailer at XXXX XXXX XXXX, XXXX, XXXX. Card was denied at that time. I tried to use card again on XXXX XX/XX/XXXX, at XXXX XXXX, XXXX, XXXX. Again card denied.
In the interim period, since activation of the new card and XXXX XX/XX/XXXX, I have given the new card number to : XXXX, XXXX and XXXX XXXX. ( Any late fees ensuing through no fault on my behalf in this case would be an injustice. ) Called Customer Center on XXXX XX/XX/XXXX and got a point of contact that I could not understand/communicate with so she finally asked if I would like to speak to someone in USA?
( Page 2 ) I said yes and was transferred to another point of contact. I was able to understand that individual ; however, I did not have the ability to furnish the info requested via my cell phone. As a result I asked for an address to which I could mail the info needed. He furnished the above Capital One address and cited the articles/data needed that are hereby attached.
Request that the case be expedited and a resolution be completed as quickly as possible.
Also, would it be helpful if I filed a complaint with the XXXX Attorney General 's Office?
Finally, would a complaint with the Consumer Financial Protection Bureau be appropriate and usefull?
Sincerely, XXXX XXXX XXXX, XXXX.
Enclosures 1. GM Card Photo 2. XXXX Driver License Photo 2. Second letter : XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX Capital One Bank XXXX Capital One XXXX Attention : XXXX Fraud Department XXXXXXXX XXXX XXXXXXXX Dear Action Officer : This is in reference to : 1. XXXX XXXX XXXX.
2. Letter from the undersigned addressed to Capital One Bank dated XXXX XX/XX/XXXX, in reference to Case cited above.
3. Letter dated XX/XX/XXXX, Re : Account ending in XXXX Creator : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX 4. Telephone call between the undersigned and XXXX, your office, lasting approximately XXXX minutes ( consisting of much hold time ) ; then an additional party identified as XXXX entered the conversation. That part of the conversation lasted for another approximately XXXX minutes again with much hold time. These conversations indicated that Capital One needed another copy of the reverse side on my Driver License which had been previously furnished via letter cited in reference XXXX above.
An additional copy of the reverse side of the Driver License is attached. ( See Enclosure. ) An impartial review of my record with the GM Master Card Account utilized since XXXX will reveal it to be almost perfect ; Therefore, one has to conclude that this case is one of age discrimination in violation of the Equal Credit Opportunity Act ( XXXX ) in that my age nearest birthday is XXXX XXXX XXXX.
Therefore, I request any and all information being utilized to cause the actions placed upon me regarding this account. The request is made pursuant to the provisions of the Fair Credit Reporting Act ( XXXX ) and Federal Trade Commission ( XXXX ).
Sincerely, XXXX XXXX XXXX, XXXX.
XXXX, XXXX XXXX XXXX ( XXXX. ) Enclosure : ( As stated above )
|
10/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
On XX/XX/XXXX, I spent multiple hours on the phone with both Capital One and XXXX trying to file an extended warranty claim. This benefit is provided through XXXX but Capital One is the issuer that must add the benefits to their credit card holder 's accounts.
In XXXX, when I applied for the Capital One Quicksilver One card, I received an exhaustive list of benefits that were provided with this card. I still have this booklet. One of those protections is the XXXX XXXX XXXX.
I went to XXXX to file a claim under this benefit when I realized the manufacturer 's warranty had just expired, but I remembered that I had made the purchase entirely on my Capital One credit card and that the extended warranty was one of the benefits. I went and retrieved the benefits book that Capital One sent to me in XXXX with my very first credit card.
Upon trying to file the said claim, I was advised to contact my issuing financial institution as they could not verify my coverage for the said benefit at the time of purchase.
I contacted Capital One who proceeded to inform me that when my credit card was a XXXX XXXX, I only had one benefit available, that being ID XXXX XXXX. Then, please explain to me how I have in my possession a booklet that explains all the benefits available to me when I got this card from Capital One in XXXX.
Capital One, in XXXX, just upgraded my card from a XXXX XXXX to a XXXX XXXX XXXX, and all of a sudden, all the same benefits that I had on the XXXX XXXXXXXX, are showing as being available on the XXXX XXXX XXXX.
I was always advised by Capital One that I pay an annual fee of {$39.00} for the benefits that this card provides. Which, should be everything in the booklet, as well as 1.5 % Cashback. Paying {$39.00} a year for just 1.5 % cash back, that is hardly worth it.
XXXX is showing on their side that on XX/XX/XXXX, somewhere around the date that this account was initially opened, the benefits were available. However, Capital One is not. I have tried to obtain the information from Capital One as to when these benefits got removed, as they are the card issuer and have the responsibility of adding and removing the extra protections and benefits that are offered by XXXX.
If it is true, that this credit card only had one benefit available for years, I want my annual fee refunded for the last four years, as well as a different credit card offered through them that would upgrade this card to a no-annual-fee card.
I have been silently paying this fee for years as it is my oldest credit card. As of XXXX, I have a XXXX to XXXX vantage XXXX score. I have a loan for a brand-new car financed through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without a cosigner. I have two other credit cards that I pay no annual fee for and they have a much higher credit limit. So, with the score that I have, please tell me why Capital One is holding my oldest credit line XXXX, continuing to make me pay {$39.00} a year for this card, with no added benefits. They know that I will not cancel my oldest credit account as that will severely impact my credit score leading to a lower average time of credit, as well as, the amount of credit available. Both of which weigh heavily on the score that is generated.
Instead of upgrading my XXXX XXXX, Capital One made an offer of pre-approval for the XXXX XXXX XXXX. The application was approved for a new line of credit. If you'll offer me an entirely new line of credit, extending me more money, then why not upgrade my current account to a new card with no fees?
XXXX completed its investigation concerning my claim for the extended warranty benefit coverage, and I was advised that when I received the card in XXXX, the benefit was available on my XXXX XXXX. I was also notified that the benefits were removed on XX/XX/XXXX. And yet Capital One is telling me that they sent mass notices out to all the XXXX XXXX account holders notifying them that the benefits were going to be removed on XX/XX/XXXX. There is a 10-month difference between those dates. No notice was ever received explaining that the benefits were going to be removed from this account.
I want Capital One to reimburse me for my time spent on hold between both XXXX and Capital One. At the present moment, the total time between the two companies is about 18 hours. My current pay rate is XXXX XXXX XXXX Capital One should be held liable for the lack of benefit ( s ) coverage when I made the purchase fully believing that I had the Extended Warranty Benefit Coverage offered by XXXX. Otherwise, I would have placed the purchase on a credit card that has the coverage available.
This type of switch is just unacceptable.
Any help you can provide concerning said matter would be greatly appreciated. Thank you.
XXXX XXXX
|
09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX I paid {$78.00} to the US Post Office located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX to deliver a package in express time to the city of XXXX in XXXX.
This shipping was an urgent package and the teller said that they would deliver the package in 3-5 business days at the most.
She collected the funds which were paid with the Capital One credit card ending in XXXX. I was given a tracking number to follow my shipment, but the page was being updated every 48 hours. It took the US Post office 3 days to get the package from XXXX to XXXX XXXX which is a 45-60-minute drive from XXXX where the shipping post office is located. Eventually 7 days later the page displayed that the package was en route to its destination and I was confident that its recipient was about to receive it but 2 days later the website showed the package as being returned to me.
My nightmare was just starting I called the customer service number to inquire as to why the package was returned after the US Post office had missed the deadline I had paid for. I waited for close to 2 hours for a human being to pick up the phone and when someone finally did, they were more concerned about who had processed the payment and shipping label instead of being focused on why this package was returned to me.
The person kept me close to 45 minutes on the phone just to file a complaint about the teller who really was no longer the problem at that point.
The customer service representative made me repeat three times the address of the US Post Office that I sent the package from. I spelled the address and repeated over and over. This person then proceeded to telling me that a manager from the shipping post office would reach out to explain what had happened and that I could only be refunded if I filed a personal complaint about the teller who had processed the order.
The next day I received a call from the US Post Office located at XXXX XXXX, XXXX, NY XXXX, a completely different post office location which had nothing to do with the one I had shipped my package from!!!
They stated that they had nothing to do with the package being returned but that they were holding it and would be sending it back to me on the next route.
On Saturday XX/XX/XXXX it was pouring rain and I found myself stuck at home all day expecting the package to be returned to me. The US Post Office threw it on the street by my apartment building outside door under the heavy rain : they did not call nor rang the buzzer but left it under the pouring rain and without any consideration for everything they made me go through for an insignificant overseas shipping.
I picked up the package and spent another 45 minutes commuting to the location where I had initially shipped it from. I waited another 35 minutes on the line and asked to see a manager but was told that they were none on the premises.
I then asked for my card to be refunded and the teller lost patience, adopted an obnoxious attitude, and said that I had to deal with a manager because she herself had no authority to refund the card.
She let me know that the manager was available XXXX Monday to Friday. I am a full-time employee with a long daily commute, and those hours make it impossible for me to leave my job to waste further time with a dysfunctional organization like the US Post Office .
The teller was rude and made some inappropriate and entitled comments in front of everyone standing on the line and it was clearly upsetting.
The US Post Office not only did not do their assignment, but they also gave me the run around and treated me like a non-human being let alone a paying customer.
I have been really puzzled at the lack of care, lack of consideration, lack of empathy, lack of work ethics and lack of genuine desire to help.
I then decided to dispute the charge with Capital One and they sided with the Post Office stating that the purchase receipt states that all sales are final!
Well the US Post office should be held accountable for their actions and Capital One, my bank should have a fair judgement and refund my card.
I have been a customer of Capital One since 2007 but did unfortunately not find the support and understanding I was hoping to receive in this matter to retrieve my money.
Therefore I am hereby filing this complaint to be refunded for my {$78.00} because the US Post Office did not render the service it was paid for regardless of whether " all sales are final ''. The amount paid is significant and should be refunded as the package was sent back to me and dropped under pouring rain.
I am asking Capital One to refund me promptly else I will file a complaint with the XXXX XXXX XXXX and will proceed until I get refunded.
Thank you in advance for your time and consideration.
|
03/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
What happened : On XX/XX/XXXX, I charged my card for a flight from XXXX XXXX to XXXX with XXXX XXXX for a flight on XX/XX/XXXX. I received a temporary suspension on XX/XX/XXXX from XXXX XXXX due to Covid suspension. On XX/XX/XXXX I was provided a travel credit from XXXX XXXX but the travel credit was not provided, it was discussed as " I will have a credit '' one day. XX/XX/XXXX travel credits were then suspended and " paused ' until further notice. XX/XX/XXXX I received a notice that my travel credit was now placed on a conditional credit that would expire XX/XX/XXXX. Future flight credit was supposed to be available on XX/XX/XXXX. XX/XX/XXXX email correspondence that they can not answer their phones due to 'covid ' and are overwhelmed for a extended period of time. I could not reach anyone ....
XX/XX/XXXX I get this email " Because your claim relates to a booking made prior to XXXX XXXX entering into voluntary administration on XXXX XX/XX/XXXX, our ability to provide you with a refund of your XXXX Bank is impacted '' Fast forward, a travel credit was provided to me but only to local XXXX and no flights out of XXXX. As of recently ( last few months ) they just reopened flights, but they do not got to the same destination and changed their polices and procedures keeping me from flying anyways.
Update on Venture Credit Card Charges : I filed a dispute with Venture Credit Card that I charged the card with to fly with on XX/XX/XXXX. I provided additional information and Venture claimed they didn't receive enough information and closed the case on XX/XX/XXXX. I provided what they asked for, so I was dumbfounded.
As time went on, I realized that I could not get my money back as the airline was not opening up and I had a travel credit that could not be used. So, they have my money and Capital 1 Venture did nothing.
After more phone calls and emails then I can count, I provided ongoing account information and emails the they asked for and requested with all the details. Today on XX/XX/XXXX Venture confirmed that they will not be giving me my money back as it was filed after 60 days!
I had ongoing calls, emails and correspondence with paperwork with Venture. Not one single time did they give me a 'time stamp ' when I could not longer be able to get my money back.
Additionally, XXXX XXXX ongoing changes include that I would get my money back, I would be able to fly later, they will open, ect ect. It was not like a purchase I could get a refund on the date of purchase, this was a ongoing situation that was constantly, constantly changing.
Venture has dragged this out. I have spoken to the dispute agency and placed on on hold for hours, transferred many times, provided incorrect information almost by every single person answering the phones, and told to submit a case again, only to find out that they were never once planning to return my money.
XXXX XXXX 's stance is I could sell my ticket to someone in XXXX since I can't use it. I don't know anyone in XXXX.
I feel like both XXXX XXXX practiced shady business practices, but most of all my own credit card company set me up for failure, never knew the right and consistent information or answers and left me behind after hours and hours of calls, emails, and provided countless correspondence information from the Airlines only to be told today, that I needed to file a case within 60 days.
That being said, from their standpoint, I needed to file the dispute following the purchase of my ticket on XX/XX/XXXX within 60 days after that purchase. Which makes XXXX sense as my flight was not even within 60 days of the purchase!!
My ticket purchase was on XX/XX/XXXX, my flight was XX/XX/XXXX, and I was told over and over by XXXX XXXX my flight was on hold, I would have a credit, at which after months and almost a years, I was provided a credit I could not use, and eventually I was provided a credit to a place I can not fly to any longer or be able to fly on.
Venture can not say I needed to file my dispute within 60 days as the airlines continued to 'dangle a carrot ' so to speak to put off the purchases of customers, continue to say we would be able to fly, only to be told I can't, and yes you can, but not now to the place you want ... ect.
Venture still owes me my money as the terms of purchase changed, the conditions changed and the time in which the ticket was purchased does not properly reflect the ongoing dispute or return of money as they used 'bank credit '' on my airline miles.
This was {$1100.00} dollars which is a lot of money for me, and I'm losing out because of shady XXXX XXXX and Capital One Venture making ridiculous blanket statements that I need '60 days to make a dispute ' would even apply to a situation like this...
Thank you
|
02/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : CASE NO. XXXX My dog became paraplegic overnight and had undergone emergency IVDD or XXXXuptured disc surgery on XX/XX/2021. Part of his rehabilitation is acupuncture, physical and laser therapy. As there is no laser therapist in our area and his current therapist is a 4-hour drive away, I decided just to purchase a laser device which I desperately need even up to date as my dog is still unable to walk. On XX/XX/2021, I received the laser device that I ordered from XXXX, the seller. To my surprise, the device was not sealed, no user manual, already fully charged, no thin clear plastic removable cover on the laser and the USB chord was just placed on top of the device. Later, after purchasing exactly similar device from another seller, it became conclusive to me that the device sold by XXXX is a USED one. This was bolstered by the fact that on my first use, the device stopped working. I then immediately turned it off, and on, and it worked again. For almost 10 days since its delivery, the device will occasionally stop in the middle of my dogs treatment and functioning again after turning it off until XX/XX/2021 when the device completely shut off.
XXXX is guilty of unfair and trade practices on following grounds : 1. Selling used and defective merchandise under pretense that it is new.
See discussion above.
2. Every sale in the state of Louisiana carries with it the legal warranty that the thing sold is free of hidden defects or redhibitory vices.
LA CC Art. 2475 Seller 's obligations of delivery and warranty. The seller is bound to deliver the thing sold and to warrant to the buyer ownership and peaceful possession of, and the absence of hidden defects in, that thing. The seller also warrants that the thing sold is fit for its intended use.
Further, Article 2520 of the Louisiana Civil Code provides that the seller warrants the buyer against redhibitory defects, or vices, in the thing sold, and further defines the term redhibitory as a defect which renders the thing useless, or its use so inconvenient that it must be presumed that a buyer would not have bought the thing had he known of the defect.
The device was used for approximately 10 days until it completely stopped working. Clearly, XXXX warranty against hidden defects and/or redhibitory defect was/were breached. Since the device is no longer working, XXXX likewise violated its warranty that the thing sold is fit for its intended use.
3. Return/Refund policy of XXXX lasts for 14 days.
Since XXXX violated the law of Louisiana, the Return/Refund policy of XXXX is inapplicable as the law governs first and foremost.
( Nevertheless, the following premises are based on the assumption that XXXX warranty obligation under Louisiana law is not breached. ) Attached is a copy of the XXXX Return/ Refund Policy. The merchandise was received on XX/XX/2021 and it completely stopped working on XX/XX/2021, but that day was a holiday as well as the following day which is XXXX day thus, I was unable to inform XXXX. Nonetheless, XXXX was notified of the defect on XX/XX/2021, only 11 days from delivery datewell within the 14 days.
4. Return/Refund policy of XXXX enumerates products that are non-returnable which did not include handheld pain relief cold laser device, the device in dispute.
The laser device is to be used 4 inches away from the area of treatment hence the device does not even touch any skin. I purchased 2 similar items from XXXX which later proved to be ineffective and were able to return the items for a refund without questions asked.
5. XXXX is guilty of price gouging.
The original advertised price of the disputed device is $ XXXX and XXXX is claiming that it is selling half its price which is {$250.00}. On the contrary, when I later purchased exactly similar device, the price I paid for the device is less than {$100.00}.
6. XXXX is guilty of unlawful appropriation.
After XXXX asked for the return of the device, XXXX is now misappropriating my device by refusing to issue a refund. They are currently keeping my money and my device, too. On its last email, XXXX acknowledged the return of the device and alleged that, We never refused to refund you.
XXXX intentionally made their Refund Policy completely ambiguous ; apparently, to include all merchandise that they sell not eligible for a refund. However, all those ambiguities must be construed against XXXX.
Surprisingly, XXXX no longer carries or sells the same laser device in dispute which they claimed to be their popular item.
CAPITAL ONE, the credit card company involves in debiting or crediting the disputed amount, is acting arbitrarily in reapplying the charge of {$210.00} to my account.
|
01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
The issue I have is with Capitol One. When I pulled my credit report on XX/XX/XXXX, I noticed they removed a credit bureau reporting they made on my acct for a 30 day past due notice on my record for XX/XX/XXXX and they changed it to show as 30 days late for XX/XX/XXXX. I called Capitol One on XX/XX/XXXX and asked them why they had changed the date of this late payment reporting and the rep I spoke with seemed very confused and could not give me a clear answer of why this happened. Then, I pulled my credit report again on XX/XX/XXXX and noticed Capitol One had put back the 30 day late reporting on my credit report for XX/XX/XXXX, but Capitol One nor XXXX ( the credit reporting agency this was reflected on ) ever sent me a notice once this negative item was reinserted back on my credit report. On XX/XX/XXXX, I called XXXX about this matter to see why they never sent me a notice once this late payment was put back onto my credit report and the rep with XXXX also acted like he was confused and told me he did not know if it was Capitol One or XXXX who initiated this removal and reinsertion of the late payment on my credit report. The XXXX rep also claimed he could not actually see where the late payment had been removed and then put back onto my credit report. I feel the reason everyone with Capitol One and XXXX are acting confused is because no one wants to take responsibility to fix this issue. As a result of the XX/XX/XXXX late payment being removed from my credit report, I want it removed again and this time permanently.
Another issue I have with Capitol One is that I wrote them two letters disputing the late payments they have reported on my credit report for the months of XXXX, XXXX, and XX/XX/XXXX and they just want to keep being stubborn and refuse to remove the negative items or show me proof that my payments were actually late for those months and I requested that they send me proof in my letters to them and they just continue sending me their same generic letter saying they will not remove the items since their records show it is reporting correctly. And their most recent letter does not even address all the months of late payments I disputed with them, but they only mentioned how they corrected the error they made when they showed my account late for XXXX. They say they must report everything accurately according to the Fair Credit Reporting Act, but yet due to all of the mistakes they have made, that is not what they are doing and I am sure they have probably done this to others as well.
The reason I am disputing all of the late payments they reported on my credit report is that when I review my payment history on the Capitol One website, it clearly shows my payment due date is on the XXXX of each month and this is also what Capital One told me many times over the phone. And when I review my payment history, I can see where I have been late maybe 10 days or so, but some of the months they reported me as being 30 days late, do not appear to actually be 30 days late based on my payment dates compared with their established due date. For example, I made two payments in XXXX ( on XX/XX/XXXX and XX/XX/XXXX ), but they reported me as 30 days late for that month and the previous month, I made my payment on XX/XX/XXXX. When I called a representative with Capitol One on XX/XX/XXXX to have them explain this, they just tell me to file a dispute with the credit bureaus. I told them I already did that and they rejected my claim saying the late payments were accurate and since that doesn't make sense to me based on what I see, I am calling them to get an explanation. I spoke with a supervisor with Capitol One who had a very nasty attitude and kept telling me that she is not a credit specialist and that I should just file a dispute with the credit bureaus. I told her I don't expect her to be a credit specialist, but I do expect her as a supervisor with this credit card company to explain my payment history and why they may be reporting it as late.
Then the Capitol One supervisor starts telling me how they go by the billing cycle when determining if payments are late and I told her this is the first time I was hearing this and every other time I called, I was told that my payment due date is on the XXXX of each month and that is also what is shows on their website. It just seems they want to justify themselves refusing to make this right. I will upload my supporting documentation to this complaint showing my payment history with Capitol One, my dispute letters to them and their responses. I would also like XXXX to be investigated for their part in the way the issue was handled with the late payment for XX/XX/XXXX being removed and then placed back onto my credit report.
|
01/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/2019, I allowed a charge of XXXX to my account for a retainer of legal services performed in a custody case. No retainer was signed and we were unaware of any hourly fees or how charges would be applied.
On XX/XX/2019, we were made aware that the account was near zero. Under Maryland Rules an attorney must provide an explanation of expenses as soon as possible so there are no misunderstandings. We received the generic retainer via mail after 2weeks of multiple protests. Apparently the money had been spent on 5 emails gathering information which should have been obtained by the initial form filled out OR they had asked during initial 5 minute consultation by the attorney we didnt even go to see. MD Rule 19 chapter 300 section 20.
On XX/XX/2019, the attorney was discharged once retainer was received and weekly billing program was outlined. In addition, the attorneys office was working in opposition of the client 's interests and had not entered appearance nor file complaint as this was an urgent matter regarding parent leaving state with child. Nothing of any substance had been done.
The most aggravating part of this matter was the attorney 's office was going to refund part of the money via XXXX in the finance department until I disputed the entire amount. Now they have withheld all of the monies AND my credit card company has supported this charge on the financial end which it is in their interest to do. None of the below was done or at least discussed.
RULE 301.5 FEES 1.5 ( a ) An attorney shall not make an agreement for, charge, or collect an unreasonable fee or an unreasonable amount for expenses. The factors to be considered in determining the reasonableness of a fee include the following : ( 1 ) the time and labor required, the novelty and difficulty of the questions involved, and the skill requisite to perform the legal service properly ; ( 2 ) the likelihood, if apparent to the client, that the acceptance of the particular employment will preclude other employment of the attorney ; ( 3 ) the fee customarily charged in the locality for similar legal services ; ( never done ) ( 4 ) the amount involved and the results obtained ; ( never done ) ( 5 ) the time limitations imposed by the client or by the circumstances ; ( we stressed urgency ) ( 6 ) the nature and length of the professional relationship with the client ; ( nothing ) ( 7 ) the experience, reputation, and ability of the attorney or attorneys performing the services ; and ( never met with attoney we made appt with ) ( 8 ) whether the fee is fixed or contingent. ( Never discussed ) ( b ) The scope of the representation and the basis or rate of the fee and expenses for which the client will be responsible shall be communicated to the client, preferably in writing, before or within a reasonable time after commencing the representation, except when the attorney will charge a regularly represented client on the same basis or rate. Any changes in the basis or rate of the fee or expenses shall also be communicated to the client. ( money paid was gone on emails and file set up before we even knew what the fees or costs would be ) Notes on Law Reasonableness of Fee and Expenses -- [ 1 ] Section ( a ) of this Rule requires that attorneys charge fees that are reasonable under the circumstances. The factors specified in subsection ( a ) ( 1 ) through ( 8 ) of this Rule are not exclusive. Nor will each factor be relevant in each instance. Section ( a ) of this Rule also requires that expenses for which the client will be charged must be reasonable. An attorney may seek reimbursement for the cost of services performed in-house, such as copying, or for other expenses incurred in-house, such as telephone charges, either by charging a reasonable amount to which the client has agreed in advance or by charging an amount that reasonably reflects the cost incurred by the attorney.
Basis or Rate of Fee -- [ 2 ] When the attorney has regularly represented a client, they ordinarily will have evolved an understanding concerning the basis or rate of the fee and the expenses for which the client will be responsible. In a new client-attorney relationship, however, an understanding as to fees and expenses must be promptly established. Generally, it is desirable to furnish the client with at least a simple memorandum or copy of the attorney 's customary fee arrangements that states the general nature of the legal services to be provided, the basis, rate, or total amount of the fee and whether and to what extent the client will be responsible for any costs, expenses or disbursements in the course of representation. A written statement concerning the terms of the engagement reduces the possibility of misunderstanding.
|
01/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
Hello, I have had an account with capital one. The account is a credit card account. The account number is XXXX. I am enrolled in automatic payments for my card account with Capital One. I have not received any statements via electronic means or via the postal service or any other mail service for at least a year. This has never bothered me because the account has been on automatic payment for as long as Ive had it open.
Specifically, I am enrolled such that Capital One is instructed to debit minimum amount due from my checking account each month. On XX/XX/2019 an automatic payment was devoted from a checking account and according to Capital One, the payment was returned on XX/XX/XXXX. I received no notice of this returned payment, nor did I receive statements in the mail. This is, according to capital one, due to my having signed up for electronic delivery of statements. When I asked the first agent to whom I spoke on XX/XX/XXXX, the agent said your email address isnt in our system correctly and it is a lot of garbled text. When I asked what this meant, I was told that the statements would not have been delivered to my email, which I can confirm as I myself have received no correspondence of any kind from Capital One. As I understand electronic delivery, statements notifications are by policy sent to email. While the statements are obviously not attached to email, the notification is the event that would trigger the recipient to log into the system to read the statement. Similarly, other notices pertaining to the account are to be delivered electronically. Neither of these occurred. The bank has not sent a statement to me via mail and has not sent postal mail of any kind, either. I checked the Statements and Documents delivery area via the Capital One online portal and I see two statements, neither of which have any indication that an payment amount of any kind was returned as unpaid. There were no separate notice documents of any kind other than statements in the online statements delivery portal. I was not notified at all of a returned payment.
This should not have had an impact on me, of course, because as I stated previously, my account is enrolled in automatic payments specifically for amount due. When the next payment date occurred, another automatic payment was successfully debited from my checking account and applied to the capital one account. However, according to capital one, the minimum due payment that their banking system automatically generated was less than the minimum amount due and resulted in my account being over thirty days past due despite no notification being sent to me. In fact, the bank has described to me a situation that they or their banking system caused, and that the bank did not notify me of, and whose payment system ignored. This has caused significant damage to my credit report, and it is pure bank error. This is highly concerning due to the multiple layers of failure to perform their duties. I received no statements. I received no notification of a payment failure. I received no telephone calls, no email, no postal mail communicating that my account was past due. In Fact, the bank even automatically debuted my account for a payment below the minimum due in conflict with their instructions. Ive received no statements of any kind. No notification of a returned payment.
I called capital one and spoke to the first employee noted in the above writing whose identification is Employee 1 : Employee ID XXXX I then spoke to Employee 2 : Employee ID XXXX ( Supervisor. ) This person agreed to notate the above information in my account and provided me mail addresses for disputing the banks findings. When I asked for the agent to read me the notes she placed on my account, she initially refused, and I insisted. When she read back the notes, the details of my complaint of the banks errors was omitted entirely by the agent, and when I asked her to correct the notes of the call and enter the details we discussed in full, she accused me of arguing with her, and then claimed that she would enter the rest of the notes.
I am astounded at the failure of capital one to properly document my account, failure to deliver statements, failure to notify me of a late payment, and refusal to help a customer whose reputation they have damaged due to their own series of grave errors. And they have done this over a balance of XXXX XXXX dollars.
I have mailed this information to the following dispute departments at capital one : General Inquiries XXXX XXXX XXXX XXXX XXXX Credit reporting XXXX XXXX XXXX XXXX XXXX General Counsel XXXX XXXX XXXX XXXX, XXXX, VA XXXX Please assist me with receiving the help from Capital One. I have received no help.
|
05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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After being a Capital One customer for 14 years, and never once having a fraudulent charge on my account, they recently declined a credit card purchase for fraud. The card had a {$30000.00} limit and at the time only had a balance of {$800.00}. The purchase was for groceries at whole foods for {$1400.00}. The purchase was attempted with my XXXX digital wallet after signing in to XXXX XXXX with my XXXX Account. Getting into my phone and making the payments using biometric authentication.
I called Capital One, and the proceeded to be on the phone for 25 minutes after the customer service agent went through a number of additional steps to verify it was me. After I continued to explain that I also used biometric face ID authentication that Capital One uses on their mobile apps to enter the app and read back all the information he was reading to me, he dismissed and continued to waste unnecessary time.
At which point of being embarrassed by a declined card, wasting time in line to the point that I was removed for other customers whose cards work, I finally had to use my XXXX card to just get the payment closed.
After spending another 10 minutes on the phone, I was finally cleared. I expressed to the agent my frustration, but also said to XXXX, XXXX, that I will be in Florida for the next month and please notate so this never happens again.
The very next day, Capital One flagged me for what their second agent called " the highest level of fraud '' when I tried to make a {$200.00} purchase for additional groceries. They asked me for my drivers license and said if I couldn't give them a bar code, they could do nothing for me. I explained that I do not have a drivers license since I moved to XXXX and do not drive. I did however bring my passport and could give them that information. My United States Government issued passport.
At this point, they escalated to their manager to help me. The manager stated that they can not accept a United States Government Issued Passport. Even though said passport allows me in and out of any country and other scenarios. He said that even though I can read everything from my mobile phone, that I made the payment from the same mobile phone that they have the number for, that I have my passport, they can not release the account hold for fraud.
However, what is fascinating is that the agent was more than happy to close my account when requested. Even though he did not believe that I am who I am after all of this proof, he closed my account based on my request. Even more comical, he wanted to send me my final closure disclosure through mail, at which I told him I am in Florida as I've stated multiple times and expect they send me a digital disclosure. At first he said they could not do that, but then he said I could just get the disclosure through my mobile app which I have told him I had access because I was able to use my biometric authentication and that I am who I said I was and have proved that.
He told me that I would have to forfeit all my reward dollars that were part of my contract. At which I went onto my mobile app and applied the dollars to my balance. He also said I would not able to make a payment on my account through my app because it was restricted. Which if this story can get any more comically ridiculous, my credit card account payments were coming from my Capital One checking account. So Capital One wouldn't let me make a payment to my Capital One credit card with my Capital one checking account. The customer service rep XXXX, XXXX, did not seem to understand the comedy of this ridiculousness ...
After having this horrible experience, I surely thought I could at least get Capital One 's attention across social media. Nope. My complaint went unanswered for 72 hours even after I retweeted to bring to the top of the list. My message on XXXX went unanswered. Only after I included the CFPB, did I get some attention, which was a canned answer and recommendation to call them. Like I would want to spend one more minute with their call center.
At this point, I've had a number of purchases declined and have had to reset all my payments with my XXXX XXXX XXXX I've lost at least 10 - 15 hours of time dealing with these issues.
Capital One had no reason to flag my card for fraud period. They certainly had no reason to flag it and prevent me from using it only if I provided a drivers license and would not accept a US government passport. They are breach of the contract and I expect an apology and financial reimbursement for the time that I've wasted as well as the embarrassment that I've experienced due to the breach of their terms. The contract is void as they have not held up to the terms they said they would.
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05/29/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am writing today to express my extreme frustrations with the unfair treatment I have received while attempting to complete a refinance with Capital One. After years of being underwater with my mortgage, I finally inquired about refinancing with Capital One on XXXX XXXX , XXXX . I purchased my property in XXXX XXXX and ING Direct was my initial 1st mortgage holder and XXXX XXXX XXXX was my 2nd lienholder. Capital One su bsequently acquired ING Direct and XXXX acquired XXXX XXXX XXXX . As I mentioned, the refinance process began in later XXXX and was off to a good start. The dynamics and communication began to change after the appraisal was performed on XXXX XXXX , XXXX . Below is the timeline of communication : XX/XX/XXXX - application started via phone XX/XX/XXXX received an email from XXXX XXXX who introduced himself as my assigned Loan Specialist ( Processor ) an d would be my primary contact. Between XX/XX/XXXX and XX/XX/XXXX we were regularly corresponding about outstanding documents that were being requested, which were all promptly provided. XX/XX/XXXX the appraisal occurs XX/XX/XXXX I emailed XXXX XXXX asking for news on the appraisal, and he replies that there should be more information the following Monday ( XX/XX/XXXX ). XX/XX/XXXX I received a XXXX XXXX auto-generated email notification letting me know the appraisal was ready to view. XXXX / XXXX / XXXX I emailed XXXX XXXX letting him know I saw the appraisal and was eager to continue the process. He then replies saying tha t Capital One wa s requesting a signed and dated letter regarding another address that appeared on some of my documents. XX/XX/XXXX I emailed indicating the letter was uploaded, which explained that the address is where my parents live and where I lived before purchasing my property and subsequently moving in XXXX . XX/XX/XXXX no response, so I emailed asking on the status of the application, at which point XXXX XXXX responded saying XXXX XXXX ( Loan Originator ) w ould be reaching out to me. XX/XX/XXXX After not hearing anything still, I emailed both asking yet again for an update. XXXX XXXX responds saying th at Capital One was requesting additional documentation to confirm occupancy. I further explained that my parents address was still being used for mailing purposes due to issues experienced in receiving mail at my condo. XXXX XXXX then asked for me to send utility bills ( which reflect the condo address ), which I did. XX/XX/XXXX XXXX XXXX emails to reques t my Auto Insurance poli cy ( reflects condo address ), which I send. XX/XX/XXXX XXXX XXXX emails requesting my Home Owners Insurance polic y ( reflects condo address ), which I send. There are a few phone conversations in between this time, during which Im adamantly trying to figure out what else could possibly be need to prove my occupancy t o Capital One. By th is point, I had provided sufficient documentation that would have been deemed acceptable to any other lender. XX/XX/XXXX I proactively submitted yet another docume nt ( Vehicle Registration ) sh owing the condo address and sent an email to XXXX XXXX supervisor, XXXX XXXX , whom to this day has never replied. XX/XX/XXXX I was contacted by XXXX in Capital Ones Customer Advocacy group, who stated that the case had been transferred to him and that he would be working to get responses from managers in the sales department as well as in underwriting. XX/XX/XXXX received a call from XXXX indicating that Capital Ones inconclusive determination on occupancy would remain and that he was closing the case. I demanded that he escalate my application concerns further. XX/XX/XXXX received a call/email from XXXX XXXX a t Capital O nes Office of The President and it was not until XX/XX/XXXX that I heard anything back from, which basically was Capital Ones attempt to strong arm me into accepting the terms of a non-owner occupied property for the purpose of the refinance, which I vehemently declined. Capital One ' s pure greed was being clearly demonstrated, as it would require nearly {$3000.00} more from me in cash at closing by calling it a " non-owner occupied '' property. I am extremely appalled by its callousness and even more deeply bothered by its blatant display on unfair underwriting. How can a lender request specific documentation from a borrower that would address its concerns about occupancy, then do an about face when those documents are provided? How is that fair? How is that just? The CFPB can clearly see that I have gone above and beyond to try to amicably resolve this with Capital One .
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03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Issue : In the process of attempting to utilize a 0 % Balance Transfer Offer, I was informed by Capital One ( with whom I've been for over 22 years ) that - despite being in good-standing with a zero balance - that my XXXX XXXX XXXX account is now being 'handled ' by their Collections Division. I followed up in writing, and the response is that despite there being no causation for doing so, my account currently resides in their 'collections ' division, and several perks ( such as the 0 % balance ) are not available to me.
Detail : XXXX XX/XX/XXXX- I received a 0 % Balance Transfer offer from Capital One via email.
Weds XX/XX/XXXX - Decided to transfer {$2000.00} down payment for a new car from another card.
- When online attempts failed for no reason, I called to initiate the 0 % offer.
- The automated system affirmed I was eligible for the 0 % offer.
- The Agent placed me on hold for 10 min. and informed me she'd transfer me to the department that could help me.
- Upon asking which department this was, I was told " Your account is in 'Collections '.
- I was stunned. I make 2-3 payments/mo., my balance is zero. Even Capital One does not dispute that nothing in my recent history would indicate a need to place my account in 'collections. ' - I spoke with two agents and a manager. Although they all concurred that it seemed 'strange, '' all three representatives said that they " could not tell me over the phone '' why my account had been referred to " collections. '' My only recourse was to write to " General Correspondence ''.
- Immediately after getting off of the call, I noticed that I received a new email offering me a 0 % Transfer ( ... after just being told it could not be honored ).
- I faxed a letter ( attached ) on Thur. XX/XX/XXXX at XXXX and got an acknowledgement of receipt.
XXXX XX/XX/XXXX - In the early morning hours, I received a letter from Capital One specifically asking me to " Please give us a call at XXXX '' ( note : it did NOT say to 'wait 7-10 days while we investigate ' or anything. Just call ). See attached.
- XXXX XXXX on XXXX XX/XX/XXXX, I called the XXXX number.
- The first Agent ( # XXXX ) said she would need to check with a manager.
- After a two minute hold, Agent # XXXX said her manager said that I needed to wait 7-10 days while they looked into the issue.
- I quoted my letter, indicating that it specified no such time-frame, and I asked to speak to her manager.
- The manager ( XXXX ) was very nice, and very understanding. When I outlined the situation, she offered to essentially 'walk my letter ' to the back-room herself, and try to get an answer.
- After a 10 minute hold, I was informed that " Yes '' my account was unblemished and in good-standing, yet... It was also being handled by " collections. '' - Further, the 2nd offer of 0 % ( received on XX/XX/XXXX ) could not be honored.
- I stated that this was unacceptable, as I was being given no reason.
- I asked if it were possible to simply 'remove ' me from " Collections '' and place me back in the 'normal ' system since there is no evidence of any issue. After another 10 minute hold, I was told No.
- I pushed further, stating that it was unacceptable for Capital One to ask me to be content not having access full-access to card benefits with no reason given.
- After another 5 minute hold, XXXX informed me that " Since she could offer me no further assistance or insight, she had been instructed by management to 'disconnect the call '. '' - After I stated that while I was grateful to her personally ( she was nice, and seemingly 'understanding ' personally ), I was very disappointed at how Capital One was handling this situation, and we ended the call.
I am being asked to simply " accept '' that my account has been placed in their " Collections '' division, and has 'restricted ' benefits, although I have perfect payment, no missed payments and usually pay off my balance every month ( with the exception of XXXX, XXXX, due to holiday travel/purchases ). But all payments were made on-time. I am attaching my statements dating back to XXXX, XXXX ( the month of XXXX ) which verify everything I have stated.
I have been a member of Capital One for 22 years and 6 months. I've had this particular card for nearly 6 years ( I was even granted a credit line incress in XX/XX/XXXX ). I am concerned that there may be some issue with fraud or hacking with my account. I fail to understand why nobody can tell me why or how an account with a zero balance and a track record of being paid off monthly could possibly be in collections. Furthermore, it is unacceptable that I am being asked to be content to not have access to full card benefits without being given a reason.
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12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To whom it may concern I'm a former card member for capital one. Now I believe that unscrupulous, unsavory, and bad business ethics was conducted by a member of the capital one advocacy team. I received a letter on XX/XX/2020 ( it was dated XX/XX/2020 ), the context of the letter stated that I had used XXXX explicit and derogatory comments but I don't recall calling capital one on XX/XX/XXXX and the conversation I had with a low level rep on XX/XX/XXXX was in regards of making sure my payments were going to process -because I live in a area that was affected by hurricane sally- and from what I can recall the rep had a urban name ( XXXX, XXXX, XXXX ... some to that extent ) and I remember she was trying to give me advice on credit which I did not want to hear nor did I ask for and I told her so as clearly as I could. I remember asking to specifically be escalated to a supervisor and she was being coy in acknowledging my request, so much so ; that I reprimanded her and reminded her of her current position. At some point she placed me on hold but it's in excess of over 30 minutes ; now I believe she clicked over after all that time had elapsed and found I was still on the other end. Although I can't remember and might have hung up ( to possibly call again to report her ). So being that I stay in Alabama, it's a " XXXX consent '' state in terms of being able to record people without their acknowledgement. So after I go over the ridiculous letter I call capital one. The rep I talked to was named XXXX ( which might be the same rep from XX/XX/XXXX, but as you read to the end, you will find that info to be deleted from capital one 's system ). So I ask to speak to a member of the advocacy team. I'm then transfered to a advocacy team member named XXXX ( he actually mumbled his named so it's hard to make out, but I saved the recording so I will time stamp the necessary timeline of info ) so for the duration of the call I explained what I felt was the reason for this fallacy, and that it's XXXX near a ethics violation to cancel someone's credit account when it doesn't involve delinquency or misuse of the instrument. So after I get done explaining, the agent goes over my account to see if there were notes left over and it wasn't. So I give him the case number that was on the letter ; after a few minutes on hold he comes back and says the file can't be found and my account was locked and couldn't be reopened. And that was my point into thinking there's " extra curricular activities '' going on between the rep that I talked too and the member of the advocacy team. I mean there was no correspondence given to me before this decision was made and it's obvious that who ever closed my account is trying to remain anonymous because reprimanding a low level rep doesn't warrant a client 's account from being closed. Infact I believe that the rep I talked to on XX/XX/XXXX asked for my account to be closed, because remember, I didn't want to her opinion on how to manage my credit ; so whom ever is at the advocacy team probably did that on her behalf because of the XXXX favors she's doing for him ( or her ). Again there's no ethical reason why my account was closed when I make all my payments on time ( sometimes I pay multiple times in a month ) and I use my card wisely. At this point I'm hoping the XXXX board and chairman be notified. Because this is the type of situation that cause financial companies to be in unsavory situations. A personal angst should never override business ethics, especially when you're a rep or advocacy member. In close, since I didn't do anything of any consequence and since great steps were taking to delete the recordings on XX/XX/XXXX and XX/XX/XXXX and to lock the case file so no one else can review it ... .I 'm requesting a full internal and external investigation be rendered. To me and that the 3 credit bureaus be giving information on what really happened and that it was on a delinquent advocacy member of capital one that my account was closed.
*I tried to upload the conversation I had on the XXXX of XXXX but the file is 45.7 MB ... .even when splicing it can only go down to 20 MB without deleting vital information. But I need to forward that recording for validity purposes.
*I 'm also XXXX so for my account to be closed without warning ( no matter the reason ) is potentially a ECOA violation ... .and I can forward documents to verify my impairments *Again my account was closed but there's no way to listen to the conversation because a member of the advocacy team deleted the recordings and locked my account. So I cant give a true rebuttal but that should give me the benefit that fraudulent and possibly illegal practices was administered.
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08/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Capital One dispute with XXXXXXXX XXXX XXXX XXXX XXXX XXXX billed on XX/XX/2021 for {$20000.00} -- - Capital One made multiple mistakes and missed a critical deadline in my dispute and then claimed I lost the dispute because I signed acceptance of purchase of the vehicles as is but they can not produce that signed receipt because it does not exist.
Here is the situation as described by a lawyer I hired to explain the issue to them.
This letter is written to advise you that our firm was contacted by Mr. XXXX XXXX regarding the transactions entered into with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX ), and to articulate the claims Mr. XXXX alleges were perpetrated on him by XXXX XXXX XXXX.
According to Mr. XXXX, he attended an auto car auction administered by XXXX XXXX XXXX on XX/XX/2021, in XXXX, Oklahoma. Mr. XXXX attended said auction based upon advertising of XXXX XXXX XXXX on social media, wherein assertions such as come find a good car at a cheap price, GREAT FAMILY CAR, and great commuter or teenagers first car were made in those advertisements.
After being induced to visit said auction, Mr. XXXX states that he perused several vehicles and had multiple conversations with agents of XXXX XXXX XXXX regarding the viability of the cars he was interested in purchasing. Mr. XXXX avers that he was assured that each of the vehicles he purchased were in good condition prior to his purchase, and specifically told that the internal components of the vehicles were in good working condition. Within days of purchasing the three vehicles, Mr. XXXX states that he realized multiple issues, such as a blown engine, flood damage, transmission issues, etc. Mr. XXXX states that none of these issues were brought to his attention when talking to the agents for XXXX XXXX XXXX prior to purchase, even after he specifically inquiring about the same.
Mr. XXXX believes he has been a victim of deceptive and unfair trade practices and that the vehicles sold to him were done so in violations of the Oklahoma Consumer Protection Act. Title 15 O.S. 752 ( 13 ) defines Deceptive Trade Practice as follows : [ a ] misrepresentation, omission or other practice that has deceived or could reasonably be expected to deceive or mislead a person to the detriment of that person. Such a practice may occur before, during or after a consumer transaction is entered into and may be written or oral.
An Unfair Trade Practice is [ a ] ny practice which offends established public policy or if the practice is immoral, unethical, oppressive, unscrupulous or substantially injurious to consumers. See Title 15 O.S. 752 ( 14 ) Title 15 O.S. 753 of the Oklahoma Consumer Protection Act states, in part, as follows : A person engages in a practice which is declared to be unlawful under the Oklahoma Consumer Protection Act when, in the course of the persons business, the person : 2. Makes a false or misleading representation, knowingly or with reason to know, as to the source, sponsorship, approval, or certification of the subject of a consumer transaction ; 3. Makes a false or misleading representation, knowingly or with reason to know, as to affiliation, connection, association with, or certification by another ; 5. Makes a false representation, knowingly or with reason to know, as to the characteristics, ingredients, uses, benefits, alterations, or quantities of the subject of a consumer transaction or a false representation as to the sponsorship, approval, status, affiliation or connection of a person therewith ; 7. Represents, knowingly or with reason to know, that the subject of a consumer transaction is of a particular standard, style or model, if it is of another ; 8. Advertises, knowingly or with reason to know, the subject of a consumer transaction with intent not to sell it as advertised ; 20. Commits an unfair or deceptive trade practice as defined in Section 752 of this title...
Mr. XXXX believes XXXX XXXX XXXX engaged in unlawful practices through false and misleading representation by the agents of XXXX XXXX XXXX, which induced him into purchasing multiple vehicles that he would not have otherwise purchased, but for those false and misleading representations. Mr. XXXX submits that flooded cars, cars with blown engines, and cars needing thousands of dollars worth of repair costs before being road worthy are hardly considered good cars and certainly not great commuter or teenagers first car. As such, Mr. XXXX believes XXXX XXXX XXXX engaged in false advertising of the vehicles he purchased. Finally, Mr. XXXX states he has an audio recording of an employee of XXXX XXXX XXXX stating that the agents should not engage in such activity, but that they know it happens.
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05/27/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I, XXXX XXXX the original creditor, consumer and Natural person went to XXXX XXXX XXXX of XXXX for a consumer credit transaction as defined in 12 CFR 1002.2 ( h ) for a XXXX XXXX XXXX, and was conned and mislead into leaving with an alleged loan. I gave XXXX XXXX XXXX of XXXX my credit card pursuant to 15 USC 1602 ( l ) which states ; The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I extended credit to XXXX XXXX XXXX of XXXX in good faith and I received no benefit. XXXX XXXX XXXX of XXXX practiced unauthorized use of my credit card which also constitutes fraud. XXXX XXXX XXXX of XXXX has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has stated under 15 USC 1602 ( p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I, the consumer and natural person, have authority over my credit card because I am the card holder pursuant to 12 CFR 226.2 ( 8 ). XXXX XXXX XXXX of XXXX is under the Truth in Lending. Truth in Lending states that the finance charge is the only thing that I am responsible for ; 15 USC 1605 ( a ) '' Finance charge '' defined ; Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. What I participated in was a consumer credit transaction in which I received no benefit from being overcharged in an amount that was higher than what was determined as the " finance charge ''. I was not given full disclosure of the contract 's terms and conditions nor did I know that the term " finance charge '' could hold more than one definition under the Truth And Lending. I have reasonable cause to believe that XXXX XXXX XXXX of XXXX is furnishing deceptive forms pursuant to 15 USC 1692j ; based on my own Documentary evidence supplied by XXXX XXXX XXXX of XXXX the day of this transaction. Due to the fraud I have become aware of, pursuant 15 U.S. Code 1635, I am invoking my right of rescission of this contract. I am aware that XXXX XXXX XXXX of XXXX can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold XXXX XXXX XXXX of XXXX liable for these violations. Due to the facts stated here within, the promissory note that was signed by myself is XXXX XXXX XXXX. I have made contact with CAPITAL ONE and they have stated " We regret the vehicle purchase experience did not meet your expectations. However, COAF ( Capital One Auto Finance ) was not present at the time of the purchase ''. For this reason, CAPITAL ONE has no standing to decline me from invoking my right of rescission of this fraudulent contract that produced the promissory note used in this matter, for the purpose of Obtaining the XXXX XXXX. I have reasonable cause to believe XXXX XXXX XXXX of XXXX knows they have committed fraud because they offered me money in the form of a check in the amount of {$500.00} after they received my letter of claims. I have reasonable cause to believe XXXX XXXX XXXX and CAPITAL ONE are in violation of 18 U.S. Code 1028A. I have reasonable cause to believe that even in the event that this alleged promissory note is valid, pursuant 18 USC 8 it is the obligation or other security of the United States and I will not be held liable for that which does not belong to me, the original creditor, consumer and Natural person. I have reasonable cause to believe CAPITAL ONE is in direct violation of 31 U.S. Code 3729 - False claims. Each month CAPITAL ONE sends an electric billing statement that shows false and or misleading information about the amount due pursuant 15 U.S. Code 1692e and in return equates to what is known as billing errors pursuant 15 U.S. Code 1666 ( b ) ( 5 ) and 12 CFR 226.13. I have reasonable cause to believe CAPITAL ONE is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe CAPITAL ONE HAS VIOLATED THE LAW knowingly and without remorse.
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04/27/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I have already filed one complaint against my bank regarding a fraudulent transaction that they refused to investigate, stating they didnt find anything fraudulent. I was also told that I would need to prove to them that it was fraud, so I attempted to do this. I was going to attempt to contact the seller/merchant to see if I could get more information on their side as to what the purchase was, where was it mailed to ( if a physical item and if a digital product what was the email address and phone number used ) and to see if they wouldnt credit the money {$1900.00} back to me. Unfortunately, when I called Capital Ones customer service department, I was told the only information they had on the {$1900.00} charge was completed transaction and the date, nothing else.
The bank wouldnt or couldnt provide me with a merchant name only what it stated, completed transaction. They told me on numerous occasions they did not know who the funds were paid to. Why Is this even allowed? Why would the bank release my funds to a non-company, without a name or address or phone number or even email address? It makes zero sense. Well the good news is they did credit the money back to my account after receiving the complaint so I am very grateful to that, but it never should have taken a formal complaint to resolve.
Here is my second complaint. Because I filed this complaint with you all at CFPB, they are now retaliating. I have always had all my pending transactions, reflect in my balance ALWAYS. Both debits and credits are accounted for in the balance the moment they show up. in all my time of banking with them. Suddenly this is not the case. All of my credits coming in are being held back for up to 3 business days Im being told and all the debit transaction have been deducted from my account.
This started this morning when a {$170.00} charge came in from a company who I had cancelled a subscription the monthly service with because I had called and cancelled this service months ago. They were very apologetic and immediately credited the money back to my account. They also included another payment I made just to help me out in the amount of {$180.00}. So for pending transactions I see the - {$170.00}, + {$170.00}, + {$180.00} plus some other charges that are legit and mine are pending. They have deducted all the debits from my balance but they havent credited me for the {$170.00} or {$180.00}. At the very least the + {$170.00} and- {$170.00} should cancel each other out. But I am told that the two credits are returns and they will take 3 business days to settle and become available in my account. This is a complete lie. I have never had Capital One hold back credited amounts in my account EVER before, even refunds, ( which I have had numerous since Ive had my account with them ) and they have ALWAYS been immediately available in my balance.
At this point I asked to speak with a supervisor, and the she apologized and said she should be able to release the holds on those two credits. She put me on hold and then came back and said she was unable to release the hold and that bank refunds will take up to 3 business days to settle in my account, meaning next weekso even she was blocked from being able to release holds that she has the authority to release.
If this was their policy from the beginning, I could understand this and would not be filing a second complaint. I feel that they are doing this to retaliate against me for filing the first complaint against them. They credited me back my {$1900.00} on XX/XX/2023, and today, XX/XX/XXXX, just 3 days later, they decide to change when they make funds available to me personally. Its way too coincidental regarding the timing of all of this. As I mentioned up until now ALL of my pending transactions have reflected in a real-time available balance, now only the debits are showing and all the credit ones Im being told will take 3 days to settle into my account. The manager that did have the power to release those holds suddenly is prevented from doing so in my account? Why? Who was preventing her?
Now because of this, I will be losing everything I own in storage, the last day I could save my stuff was today or else it goes to auction tomorrow morning. I worked very hard to get that money so I wouldnt lose my possessions. I am unemployed and pretty much homeless and this is how I am treated. I was a XXXX XXXX for most of my adult life and have dealt with many banks and other financial institutes and as far as I know a bank cant change their normal treatment of a customer because they filed a complaint against them. This is so blatantly retaliation. Please investigate Capital One Bank and close them down.
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07/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am filing a complaint against CapitalOne over their failure to fairly resolve a disputed purchase. The CapitalOne case number is XXXX. To aid you in further review of my complaint, I have provided detail below regarding the issue caused and my efforts to obtain a satisfactory resolution.
I purchased a XXXX XXXX XXXX XXXX controller from XXXX 's website on XX/XX/XXXX. It arrived at my residence on XX/XX/XXXX. After opening the box that weekend, I discovered that the controller was defective with the joypad pulling to the right. I attempted to return the defective controller to the XXXX location on XXXX XXXX in XXXX MA on XX/XX/XXXX. The employee, XXXX, proceeded to process the return without asking the reason for the return. XXXX then saw the date of purchase on the slip and told me he had to call his district manager, XXXX. XXXX allegedly told XXXX that the return could only be processed on a store credit. I was surprised as the XXXX website indicates " Defective products, including opened electronics that are defective, may be returned within 30 days of in-store purchase. '' I was upset that XXXX was not willing to process the return to my credit card and asked why they wouldn't take back a defective controller and refund to the origin of purchase. I was told that because the item was purchased over 7 days ago that they could only give store credit. I asked XXXX if any consideration to the date of arrival, because it had only been 5 days since the controller arrived. XXXX then makes another call to XXXX, whom he can't reach, and then proceeds to stare at me awkwardly as if he's waiting for me to accept store credit. I asked XXXX who was the manager on site who handles customer escalations and he sheepishly said he was and again told me he couldn't assist due to " store policy. '' Whereas the store was not helping, I attempted to file a disupte online via the CapitalOne website. However, the website required me to call-in my dispute. As such, I was not able to control the level of detail included in my dispute. The call was placed with agent XXXX on XX/XX/XXXX at XXXX.
Due to the severe nature of dissatisfaction, this issue was also reported on XX/XX/XXXX to the Federal Trade Commission ( report number : XXXX ) and the XXXX XXXX and XXXX XXXX of the Massachusetts Attorney Generals Office. A complaint was also filed with the XXXX XXXX XXXX XXXX XXXX complaint # XXXX. ) The only reply received from XXXX was through the XXXX complaint from their liason " XXXX '' who said they would issue a refund through a mail return. I agreed pending receipt of a shipping label and materials. However, none were provided. Whereas the transaction was placed through XXXX, a dispute was also filed through them on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX to advise that I had not received the agreed shipping label and materials from XXXX. There was no further response from XXXX. As of the date of receipt of CapitalOne 's findings, the open case with XXXX reads as follows : " We were notified by your financial institution that you filed a case for a payment made on XX/XX/XXXX at XXXX PM XXXX. There is no action needed from you as we review this case. Contact your financial institution directly if you want to cancel this case or need more details. '' On XX/XX/XXXX, I received a response from CapitalOne with an update pertaining to my dispute with XXXX XXXX billed on XX/XX/XXXX for {$56.00}. They said the merchant provided information to support the transaction, including a copy of the return policy that completely contradicts the resolution the store had offered. Per the document Capital One sent in it's reply of their findings, it documents XXXX policy on pre-owned items is 7 days. As stated earlier, the attempted return was within 5 days of receipt. I followed their policy as stated, and they did not follow theirs. I was permitted an option to continue the dispute by mail, where on XX/XX/XXXX I responded by respectfully finding CapitalOne 's conclusion unacceptable. On XX/XX/XXXX, CapitalOne sent a letter saying it lacked previously requested information and as such is considering this case closed, refusing any assistance other than recommending I contact the merchant who themselves have not yet provided the requested materials.
In my original request, I had asked for compensation for time lost & aggravation for the defective item. XXXX made no efforts to contact me directly to " make this right. '' At this time, I am no longer requesting additional compensation from XXXX and that they simply refund the amount for the defective controller.
Thank you for your consideration.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MA XXXX XXXX XXXX
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09/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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On XX/XX/21, I attempted to use my Capital One credit card to make a purchase of nursery furniture for my son and daughter-in-law, who live in XXXX XXXX and are XXXX their XXXX child. The furniture is sold by a XXXX XXXX company know as 'XXXX '. After a first attempt at making the purchase, during which text authentication was used, I received a text from Capital One, asking if I was attempting to make this purchase ( in the amount of {$1300.00} to XXXX XXXX ) and I texted back that this was me. They texted back to state that I should re-try the purchase, which I did, but unsuccessfully.
I then called Capital One customer service, and after providing the requested identifiers, one of their agents stayed on the phone with me and said she would provide and override while I made the purchase. This third attempt failed, once again with text authentication having been used, and the agent placed me on hold. After 5 minutes, XXXX from the Fraud Department picked up my call. I described the situation and she asked for verbal identifiers as well as a copy of my driver 's license via a secure link that was sent to my email. This was done with her on the phone, and then she instructed me, while she remained on the line, to attempt to make the purchase for a fourth time. Once again, the order was declined. XXXX then asked me to provide a copy of my social security card and a copy of a utility bill or bank statement to verify my address. she also informed me that now my credit card was 'frozen '. I was not comfortable with providing my Social Security card and asked to speak with a supervisor. Someone else picked up the call ( XXXX? - name was unclear ) and after describing the situation and asking some questions, she hung up.
After speaking with advisors, on XX/XX/21 I called Capital One customer service to follow up, but my call went immediately to the Fraud Department. I asked to speak with someone in Customer Service, but that was declined and I was told that my only recourse was to communicate with the Fraud Department. I asked to speak with a supervisor and was connected to XXXX. She told me that in order to unfreeze my card, I needed to provide the additional information. Via another secure email link, I did send my driver 's license a second time, a copy of my Social Security card, and a copy of a utility bill ( XXXX XXXX XXXX ). I received a case number via email ( # XXXX ) and was told that in 14 days I would receive a decision about my card.
On XX/XX/21, in response to a voicemail message left on my landline, I spoke with XXXX in the Capital One Fraud Department. She stated that they did receive the information, but now wanted a copy of my entire utility bill, even though what I had sent showed all of the identifiers requested, including my name and residence address, the company name and phone number, and the date. The only information they could not see was what my electric usage in kWH was and how it compared with last year. I can not understand what that information has to do with verifying my identity. This certainly was not requested when I had recently made a bank wire transfer from my local bank to XXXX XXXX, during which a utility bill was required as proof of identity.
I reminded XXXX that this situation began with my phone call to Customer Service for assistance in making a purchase, but that it had turned 180 degrees into a fraud investigation of myself. It was clear that I was not a cybercriminal but they were following a process that is used for potential criminals.
Their own agents were on the phone with me in real time while I was attempting to make the purchase. They never gave any consideration to the possibility of there being an issue with the XXXX XXXX company 's policies in accepting a XXXX XXXX card, but instead they immediately followed an algorithm they use for potential hackers.
They would not let me speak with their own customer service department, and my credit card has been frozen for several weeks. Vendors whom I pay using my Capital One card are contacting me that recurring payments are being declined. And I am unable to access my cash rewards.
At the least, I am asking to have my rewards cash reimbursed to me ( {$59.00} ) via a hard check. I do not intend to use this card in the future ; I have no respect or faith in this company. And I have concerns about whether there is an internal issue with this fraud department by the manner in which these types of customer issues are being handled. They have never shown any real interest in problem solving the reason why the attempted purchase did not go through ; instead, they took me through an exhausting and traumatic experience as a potential suspect.
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08/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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XXXX Dear XXXX XXXX XXXX XXXX, I am writing to you today to express my serious concern about the evident violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced due to the actions of your company. Specifically, you have violated codes.
15 U.S. Code 1692b 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692j ( b ) 15 U.S. Code 1692f ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692e ( 13 ) 15 U.S. Code 1692i ( b ) 15 U.S. Code 1692f ( 1 ) Enclosed, you will find evidence of these violations, along with an invoice and a detailed affidavit outlining these infractions. Furthermore, your dated letter serves as a clear example of your agency 's negligence toward ethical and legal obligations. I demand your prompt action to address these matters, as they not only highlight your agency 's lack of competence, but also a concerning disregard for consumer rights.
Your actions have caused me to suffer significant harm, including emotional distress, damage to my reputation, and derogatory marks on my consumer report. This is unacceptable, and I demand that all derogatory marks are immediately removed from my consumer report. Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company to uphold my rights.
I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices.
I urge you to take immediate action to rectify the situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues. I expect a response no later than XXXX XXXX, 2023.
Enclosed documents : Initial Letter from XXXX XXXX XXXX XXXX ( Dated XXXX ) Proof of Violations ( Exhibit 1, on XXXX, Exhibit 2, on XXXX, Exhibit 3 on XXXX ) Invoice for Damages Affidavit of Violations Sincerely, XXXX XXXX : Capital One, XXXX. c/o XXXX XXXX XXXX ( XXXX ) AFFIDAVIXXXX OF FACT Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder, in due course of any and all derivatives thereof for the given name XXXX XXXX XXXX, and being the executor both public and private for all matter proceeding, and I hereby claim that I will d/b/a XXXX XXX XXX and autograph as the agent, attorney in fact, so be it ; 1. It is a fact that affiant is the only natural person with first-hand competent knowledge of the facts of this transaction.
2. It is a fact that affiant is a consumer as defined in the relevant act because affiant is a natural person.
3. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for using their logo indicating that they are in the debt collection business. ( See Exhibit 1 ) 4. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for false or misleading representations for indication that the communication is from an attorney. ( See Exhibit 1 ) 5. It is a fact that XXXX XXXX XXXX XXXX is a debt collector as defined in the relevant act because they are attempting to collect an alleged debt. ( See Exhibit 1 ) 6. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for communicating with affiant by postcard without the expressed direct permission of affiant. ( See Exhibit 1 ) 7. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 1 ) 8. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for false or misleading representations for implication of legal documentation. ( See Exhibit 2 & Exhibit XXXX ) XXXX. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for legal actions by debt collectors by implication of having authorization to bring legal action. ( See Exhibit 2 & Exhibit XXXX ) 10. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 2 & Exhibit 3 ) 11. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for request of collecting greater amount than what is allegedly owed. ( See Exhibit 2 & Exhibit 3 ) I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; AFFIDAVIT OF FACT I DO NOT accept this offer to contract.
I DO NOT consent to these proceedings.
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11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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XX/XX/XXXX I recently moved up north and was in the process of switching over to capital one bank. In the transfer process, i was directed by a bank employee that everything was done over the phone.
As im setting up the app and initiating a transfer, i was notified that once the transfer goes through that i will receive an email confirming said transfer and it could take up to 3 days to go through following.
I transferred over {$2000.00} as an initial sum, but did not receive an email. Mind you i only left XXXX in my XXXX XXXX XXXX just to transfer over.
When i didnt get an email, i figured oh something must have happened where it didn't work, thus, i transferred over a lesser amount of {$1700.00}.
I received an email following the latest transfer of XXXX and thought all was well until three days later when my available balanced read {$3700.00}.
on XX/XX/XXXX I immediately called the banking institution and admitted that i did not know both transfers would go through and the customer service rep at that time advised that kicking one back should solve the issue ( all on a recorded line ). They advised that the XXXX transfer was the one to be kicked back which would reset everything.
I thought everything was fine until the date of XX/XX/XXXX when i noticed that there was a negative balance of XXXX in my account under available funds. I immediately called up and asked for an explanation as to why an additional XXXX was deducted from my account without my prior knowledge. Only after speaking with 6 different people and it wasting 3 hours of my life on a phone, they admitted it was my XXXX XXXX XXXX fault.
I called my XXXX XXXX up and advised them of the situation, they immediately went right to work while i was on the phone and emailed me documents proving that it was not initiated by them and that it would be against their code of ethics to do such a transfer or exchange of money without notifying me first.
XX/XX/XXXX I called the other financial institution back and advised them that i had proof that it was an error on them in which they advised that they still couldnt help me because that XXXX was now on hold til XX/XX/XXXX, I asked what will happen with my balance as it stands at XXXX, they advised that if we wait that everything should clear itself up ; it did not.
XX/XX/XXXX my available balance was now at XXXX, and the financial institution still could not tell me how or why they deducted XXXX from my account, i even offered the idea to just kick back all transfers and we would start anew, they legit told me no, i can not do that. One rep advised that they did make a mistake as well as an account specialist at the physical bank i live right next too. I was again told to wait, after my XXXX was now dissolved into this ghost sum of money in the XXXX. XXXX XXXX fraud in my eyes as i had money taken from me after an error and after they tried to push the blame on myself and my XXXX XXXX XXXX.
I was advised that this would be an easy fix and that eventually i will receive a positive XXXX $ in my XXXX XXXX XXXX and i can just submit that back over to this financial institution once it clears. nearly a month later and nothing. I have called several times and all im told is my case is on going. I have called and had notes added to the original case that was supposed to be added in the first place ( things i was told were added, that were in fact omitted and that i was lied too ). In my opinion when matters such as this involve a large sum of money, i was told 3 different stories and i was the one to really offer any logical solution that was turned down, misled, lied too...
I have direct deposits and everything else i have to try and change before more money is taken away from me because of this negative balance that they created. I do believe these acts should not go unpunished and that this financial institution be audited because who knows who else this has happened too and just gets swept under the rug and covered up.
Missing {$1700.00} has been severely detrimental to me and my finances especially when i already closed my XXXX XXXX XXXX with the assurance from the new financial institution that opening an account online is the easiest thing to do.
Its a lot to process, im aware.
Key points : New bank generated a ghost sum of money XXXX New bank gave false information and lied to me about Bank stole {$1700.00} from me based on the XXXX they generated in my account Please help me with this i just want a working bank account again, i have accrued a large tab on my credit card because i have not been able to use my checking account as a result of the new financial institution.
Thank you so much XXXX XXXX
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08/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
XX/XX/XXXX I receive letter from collection agency XXXX, XXXX and XXXX, XXXX. Letter states company attempts to collect a debt from original creditor Capital One, NA and current creditor XXXX XXXX, XXXX.
I submitted complaints through the Consumer Financial Protection Bureau. The above mentioned agencies replied that debt was valid.
Debt consists of {$170000.00} owed to Capital One, on a card opened as a result of identty theft. My Social Security information was used, and a fraudulent address in XXXX was used to open the account. The card was applied for in XXXX - XX/XX/XXXX.
My XXXX XXXXXXXX phone number was used as well. I noticed that my missed call log was displaying " call answered on another device '' message onXXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX and placed a Fraud Block back then. The information will be accessible to lawyers by contacting XXXX XXXX Legal Department.
On XX/XX/XXXX I placed a police report, contacted the Credit Buraus and personally visited XXXX, XXXX and XXXX. I submitted proof of address, tax returns, the 3 credit bureaus reports, and invoices of some of my professional services as a XXXX XXXX in XXXX during some of the days when the fraudulent transactions were committed.
I also provided evidence of being out of the state during one of the dates that one of transactions took place, with hotel information and an XXXX XXXX electronic ticket. I signed a notarized affidavit of fraud and submitted it to XXXX, XXXX and XXXX as well.
XXXX told me that the process would take about a month, that I would be notified, as they had to work with XXXX XXXX, their client, to resolve the issue.
Yesterday, XX/XX/XXXX, I received a notification from XXXX that XXXX XXXX had reported the collection to my otherwise- and always- pristine credit report. My credit rating and report was damaged due to this action. I simply do not borrow money and pay my credit cards monthly in full, as it can be evidenced in my reports. Never a late payment.
I required from Capital One, by US Postal Service certified mail, that they submit to me all the evidence related to the fraudulent account such as application, payment slips, store receipts, signatures, etc. I have the right to receive all this documentation.
When I spoke to their reppresentative, he stated that their information was correct as public records place me in XXXX and that my cellular phone number line was used. All Ihave received is a letter stating that their investigation is correct and that they are not changing anything.
I need to explain that the fraudulent Capital One card never appeared on my credit reports, so I had no way to know that this was going on. Upon examination I found that my address had been changed to the fraudulent address.
At this momet I believe this fraud could come from Capital One, itself. Capital One was either negligent in their processing of applications, tobenefit from the fraud ; or the fraud might have been an inside job.
Capital One should use non-negligent and lawful practices and review the investigation with the knowledge that I am providing. I am the victim here, I am being treated like a criminal. All this process has caused countless hours of effort reviewing and submitting documentation, as well as a wide range of inconviniences and related health problems due to stress.
How could Capital One award someone a credit card with a {$10000.00} credit limit, when my credit report does not show my employment information? Let 's talk about not being negligent in their process of approving credit cards with a credible investigation of the customers. Did they realized that as a frelance XXXX on XXXX my income was extremely low for the credit limit they approved on my behalf?
I have also notified the US Post Office that identity theft that I am a victim of Identity Theft enabled by the use of a criminal postal address.
Upon studying my credit reports I found several unauthorized inquiries mostly from Capital One to my credit reports. I found that an additional XXXX XXXX credit card had been opened on my behalf. Fortunately, no charges had been made. As I called XXXX XXXX to let them know that this card was open in a fraudulent way, first thing I hear from the customer service representative is " Ms. XXXX we appologize as we know we have had trouble delivering your card '' ( Again, the XXXX address ).
It would be easier to pay the money owed as it is sitting on my savings account, however, I refuseto be the victim of these criminal actions against me. I hold Capital One, XXXX XXXX, XXXX and XXXX, XXXX and XXXX responsible of negligence, with all the negative effects this issue has provoked, including my health.
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05/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
|
|
Web |
|
XX/XX/2021, I made an online purchase in the morning with no problem using my debit card. The afternoon I attempted to deposit money in the ATM at Capital One Bank. The transaction was rejected, and the ATM returned my money back to me saying not authorized. I attempted to make another deposit to another account, but the same thing happened.
XX/XX/2021 at XXXX PM, I contacted Capital One Bank on XX/XX/2021, and was told the ATM was not functioning properly to receive the funds, it was not reading the card. I was told the card had to be brought back in active state, and it was up and rolling ; that I can use the card now. However, I was not able to use the card.
XX/XX/2021 at XXXX PM, I contacted Capital One again and was told by the representative the card was not connected to the account I use for debit card purchases. She said all transaction are declining because I don't have enough money. However, I told the representative I had {$700.00} in the account. The representative checked the account and confirmed the funds were in the account, yet it was showing I don't have enough money. The representative then transferred me to a supervisor. The supervisor said the system is saying there is no funds, but he said he does see funds in the account, and he didn't know why it's showing no funds. He said everything looks fine. He told me to try and make a purchase again at the pizza restrain to see what the error code was. The supervisor confirmed it didn't go through and he sees the same error and he does not know why. He said he was seeing I had enough money to cover the transaction of {$34.00}, the card he said was not blocked, the card does not have any restrictions, and he does not know why the payment didn't go through. H checked further and said it was not my fault. With the supervisor on the phone, I attempted to make an online purchase and the card declined again. He agreed to have another card sent out to me, so I submitted a request for another card through Capital One Bank.
XX/XX/2021 at XXXX PM, I spoke with Capital One again and the representative said it looked like my card was active. There were automatic payment that did post, but my insurance payment didn't post even though I transferred enough money in the account. The representative confirmed there was money in the account. The representative continued to speak with the back office who did not give him an explanation, and he said he would send an email to a team that would connect my card. The call ended with no resolution.
XX/XX/2021 at XXXX PM, the representative said there was no fraud on my account. She said she see that card was not activated. The representative said she asked her supervisor for assistance, and she said that she was told there was nothing that could be done. The representative then transferred me to a higher supervisor, but no one came to the phone.
XX/XX/2021 at XXXX XXXX, and the representative transferred me to a supervisor. He said he was expediting me a new card. His explanation was that the problem with my account is that the new card cancelled my card ; that's the error message the system is showing. That was incorrect because the problem existed before the new card was ordered.
XX/XX/2021 at XXXX XXXX, I called Capital One because a replacement card with the same card numbers, but different expiration dates arrived in the mail, but the representative told me that the card was sent out incorrectly, and that a new card with a new number was sent out because my account has been flagged for fraud. She was giving me a different explanation from the other representatives. She said purchases were attempted with zero-dollar purchases, however, prior representatives told me that they say funds in the account, but it was reading zero funds. However, they told me to make a purchase while I was on the line with them. The representative told me the purchased I tried to make with zero balance was considered fraud. I explained that a Capital One representative told me to make a purchase to see what the error code was. She said, even if a representative told me to make purchase while troubleshooting, there would still be a fraud Flag. I was transferred to a supervisor to file a complaint with complaint.
XX/XX/2021 at XXXX XXXX, I contacted Capital One because the new card with different card numbers arrived, and the new card would not activate. I was transferred. The supervisor said he had to send an email to connect my card. This is the same process that was done with the original card, and the card still did not work.
Capital One has cause a fraud on my account, and I'm very concerned about this. I have been a customer for many years.
|
11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
XX/XX/XXXX I was informed by Title company while attempting to refinance my primary residence that there was an abstract judgement as listed below ; An abstract of judgment for the amount shown below and any other amounts due : Amount : {$6600.00} Debtor : XXXX Creditor : Capital One Bank ( USA ), N.A.
Date entered : XX/XX/XXXX Court : Superior Case No. : XXXX Recording Date : XX/XX/XXXX XX/XX/XXXX Obtained a copy of the abstract judgement, and attempted to call XXXX XXXX XXXX at the phone number listed on the judgement. Phone had been disconnected.
XX/XX/XXXX Researched on the internet to find any other locations or phone numbers for XXXX XXXX Offices in the surrounding area. Attempted calling again, and left a detailed voicemail. No call back received.
XX/XX/XXXX Drove to XXXX County Superior Court & paid for copies of all supporting documents of multiple filings. These documents reflected incorrect/inconsistent and contradictory information in many areas, including but not limited to my address for service, dates, and amounts.
XX/XX/XXXX Sent letter to XXXX XXXX XXXX, address as listed on judgement paperwork. No reply.
XX/XX/XXXX COVID hits and XXXX XXXX XXXX no longer have any working numbers. This law firm has complaints on XXXX & is not XXXX accredited.
No way to contact Capital One, due to COVID changes in staffing and department duties.
XX/XX/XXXX Began attempting to call Capital One legal department again. Impossible to get through to anyone without a current credit card account, and this one is too old.
XX/XX/XXXX Researched on the internet to find any way to reach someone at Capital One that is not customer service. Found an email address for XXXX.
Sent this email : Can you please direct me as to which department, whom I should send a request for a Release to be filed with the court for an Abstract Judgement/Lien recorded against my primary residence? This is preventing me from refinancing my home, and the statute of limitations has passed on the judgement.
The Law Firm that is listed on the original Judgement filed with Court doesn't appear to be in business any longer, and I have been unable to contact them.
Received an auto-reply back, containing generic information stating to contact the Recoveries Department XXXX XXXX.
XX/XX/XXXX Received following response from a human reprimanding me for contacting them at that email address : PLEASE NOTE this email address is used for Subpoena service and inquiries. It is NOT for customer account servicing correspondence or reporting fraudulent transaction concerns. If you require assistance regarding your account or if you need to report fraud, please call our main support number XXXX or call the number on the back of your card. For additional contact numbers, please visit www.capitalone.com/contact.
XX/XX/XXXX Called the Capital One Recoveries Department and explained that I needed to speak to someone in the legal department that can help release the lien/abstract judgment filing against my property due to being past the Statute of Limitations. Recoveries Department said they can only confirm that the judgement is still active in their system, and that they have no legal department. However, they can process a dispute for me.
XX/XX/XXXX Received a generic letter thanking me for contacting them, and instructing me to contact the Recoveries Department for help with my request.
XX/XX/XXXX Called Recoveries Department again to inquire about the status of my request. Was informed that the Dispute Team was working on it, and that was all the information they could tell me. I waited a while and called back to speak to a different operator in that department, who was finally able to give me a contact name and extension for my dispute team : XXXX @ Ext XXXX. After much conversation, this person was also willing to look into the notes of XXXX and tell me that the request had recently been sent to an interim legal office to investigate ( since the original one had gone out of business ) whether the Statute of Limitations had passed. I asked how long would this take, and was told they have no idea because they dont follow up on their requests, they just wait until they hear back from the legal office or receive the release from them. I inquired what the name of the legal firm they had sent the request to was, and she would only give me very limited information. She told me the name was XXXX XXXX XXXX, and I asked if they were located in CA she said yes. Upon researching this law firm I was extremely upset by my findings that they have multiple complaints filed against them with the XXXX for being unscrupulous.
XX/XX/XXXX Still no word from Capital One
|
04/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
The short story they discriminated against me using my geographical data and by seeing my family members and my ID 's. I live in the hood which any proper data would show is full of mostly poor XXXX people.
On about XX/XX/20 I called capital one to add XXXX of my family members to 1 ( XXXX ) of my 2 ( XXXX and XXXX ) accounts to help with their credit score. I checked capital one rules online about an authorized user " An authorized user is someone you add to your account without any additional application or credit check. They'll get a card with their name on it and share your line of credit. As the primary cardholder, you'll still be responsible for all charges and, if you have a rewards card, you'll earn on every dollar they spend.
Adding a user wont impact your credit scoreonly the usual factors like payment history and available credit do that. As long as you use your card responsibly and make payments on time, these actions can have a positive impact on your users score. '' XXXX XXXX XXXX When I called the agent seemed helpful and everything went fine. I asked him about the rules of authorized users and made sure I submitted my family members properly. I told the agent my goal was to help them with their credit score.
The next day both my cards ( XXXX and XXXX ) were suspended and I went into a month of XXXX with capital one. When I called I got told I need to submit IDs and social security cards for me and all my family members. I asked why I'm being investigated and they told me they can't tell me until the investigation is over with. I quickly sent them all of my family 's ID 's and social security cards except for one of my brothers. We had to wait for an updated driver 's license and a new social security card since he lost his old one.
Every time I called I would be told that all the pictures were too blurry. I would then retake the pictures and was told by the agent that my photo was now fine. Next time I'll call I would be told all my pictures were blurry again and I needed to retake them. I probably sent each family members picture at least 10 times.
On XX/XX/20 my last brother 's ID and social security card arrived and now they finally had everything. I was waiting for this nightmare to be over.
On XX/XX/20 I missed a call from capital one at abut XXXX XXXX when I was at work. I listen to the voicemail and it said to call them back when I get a chance. I tried to call them back immediately but when I did the automatic operator said the call volume was too high due to covid 19 and said for me to call back later and it hung up on me. I waited for my shift was over and called back at about XXXX XXXX. When I called I got an agent who talked down to me. She told me since I didn't call back immediately my account was permanently closed. When I told her about the covid 19 messages and how it hung up on me she told me I was wrong and didn't know how to use a cell phone. I asked for the reason my account was under investigation and now closed since the investigation was over. She was rude and made it quite clear that I wasn't going to get that information since I was no longer a capital one customer. I asked for her full name so I could make a complaint since she was being so rude. She began to laugh and then she hung up on me.
I gave them everything they wanted and they still closed my accounts XXXX and XXXX. There was no reason by there own rules to check my family members ' status let alone closed my accounts. They would have been an authorized user on my account in which I'm responsible for the bill. I can't see a scam in which I would benefit from making them authorized users on my card.
The only reason I can assume my account was under investigation and closed was due to me adding authorized users in a poor XXXX neighborhood. That's the only thing that makes sense. My account was in great standing. No missed payment and I paid off the card with my tax money so I had a balance of {$0.00}.
I have a really bad case of XXXX and I'm on XXXX XXXX XXXX medication. I have a calm personality and rarely curse but the rudeness of some of the agents got me so mad that I had to curse at them. I worked 17 years in XXXX XXXX and I would never treat a customer the way they treated me. Most of their agents need to be retrained. You're supposed to deescalate not escalate. There were times I was shaking after getting off the phone with these people.
I have no doubt they broke the law when it comes to race using my geographical data and by seeing my family members and my ID 's. They saw a poor XXXX family and decided to get rid of them all.
I have no criminal record. I'm sure that would surprise capital one.
|
06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
I made contact about a XXXX XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX through an online application ( XXXX ) on XXXX XX/XX/XXXX. The dealer address is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I traveled to enterprise car sales in XXXX XXXX the same day. I was informed that the XXXX was in was in XXXX XXXX and it would be {$1800.00} to transfer that vehicle to XXXX and could take up to a week for the vehicle 's arrival. The salesman had me look again on their site and I found a vehicle ( XXXX XXXX XXXX # XXXX ) which was located in XXXX XXXX The transfer fee was {$600.00} and advised it would arrive within 3-7days. I presumed that because Ohio was 6 hours or so from XXXX, I would have the vehicle sooner than later. on XXXX XXXX, I paid the transfer fee of {$600.00} and {$2500.00} deposit on the vehicle. I went to XXXX XXXX XXXX on the XXXX XXXX inquiring if the vehicle arrived or if they could find out where the vehicle was in-transit because I had only scheduled to have the rental vehicle for three days and was told that due to the holiday additional time was needed for the vehicle arrival but should be there by XXXX XXXX. The delayed time for vehicle arrival caused me to extend the time and cost of the rental vehicle. I was very disappointed with that information because the transfer fee of the vehicle says it was non-refundable! I had to return the rental vehicle early on XXXX XXXX because of the extended cost. I received a call around XXXX on XXXX XXXX advising that the vehicle had arrived but still unavailable for pickup because it was too late to complete XXXX Inspection which could be taken care of the following day. Requested that I come up and check out the exterior of the vehicle and pay {$2500.00} of the down payment. I traveled to the location and was only able to view the exterior of the vehicle and not take possession of the vehicle. I received a call the following day advising the vehicle was inspected and I got a ride over to the vehicle after I got off work on XXXX XXXX. I drove the vehicle for almost one day and the engine light came on the XXXX XXXX but XXXX XXXX sales was closed. I took the vehicle to an auto store and XXXX XXXX checked the engine code and XXXX indicator was highlighted. I traveled to XXXX XXXX XXXX and XXXX XXXX met me there to return the vehicle to the dealership on XXXX XXXX for them to get diagnostic and or repairs ( fix the issue ) of the engine light or keep the vehicle. One of their policies says a 7 day return ( they are closed on Sundays ) /1000 miles or less. Well, I was told to just run the vehicle over to XXXX in XXXX XXXX, XXXX to get the vehicle diagnosed since it was still under warranty. I presumed that it would be ok. I traveled over to XXXX XXXX XXXX and due to the time of day Nissan Rep advised me to either drop the vehicle the night of XXXX XXXX or bring the vehicle first thing on XXXX XXXX they in-take 830/0900. Due to having Military drill weekend on XXXX XXXX, I went to XXXX on XXXX XXXX and waited to have the vehicle checked-in. Unfortunately, I wasn't advised until XXXX XXXX that XXXX XXXX XXXX did not have a diesel mechanic to service the vehicle I purchased and that I would have to contact XXXX in XXXX XXXX, XXXX or XXXX in XXXX, XXXX. I contacted XXXX in XXXX and was advised that the diesel tech was on vacation but would return on XXXX XXXX and they set the appointment. I took the vehicle to the appointment, the vehicle was diagnosed with a having known issue with the catalytic converter and that the part was not available nationally, the engine code issue wasn't not new on that vehicle, and that engine light was being reset and the vehicle not being repaired but being resold. The vehicle was a lemon and needed to be returned to the dealer. I called the finance company ( I spoke with XXXX of the Funding department of Capital One Auto Finance ) advising that I was sold a lemon and had the documentation. I was advised that the dealership had to cancel the contract but she would annotate the account. I called the dealership and advised that I would be returning the vehicle because they needed to have the vehicle repaired or replaced. This problem substantially impaired both the use and value the vehicle. Therefore, if the dealer was unable to correct the problem in a reasonable number of attempts as defined in Maryland Automotive Warranty Enforcement Act ( Md. Code Ann., Com. Law II, 14-1502 ( d ) ), I would expect you to [ repurchase or replace ] the vehicle pursuant to 14-1502 ( c ) of the Act. The vehicle was repossessed and unrepaired. I mobilized to XXXX XXXX shortly after and was advised to submit a complaint under SCRA.
|
08/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
In response to prior compliant with capital one which will be attached, they mention they will not fix anything because everything is verified as per public record. That tells me they did absolutely zero investigation into my complaint and I want to see all the documentation they used in there investigations. And I want to explain to them that while someone is appointed a federal fiduciary they have 100 % control over that incapacitated persons finances, and in my situation that person lived at my residence. If they would have taken a look at the evidence I submitted that showed who the VA assigned, it shows the address and phone number of the fiduciary to prove that fact. Did they even contact the governing authority and see if the VA fiduciary hub had a report of fraud or abuse into this and was investigating it too? Probably not. I received zero contact from capital one and they say I have a cease and desist. Which has been lifted. These accounts are frivolous and fake and need taken off my record!!, and capital one needs to do there due diligence instead of armchair investigating therefore I want all investigating material from all prior disputes and complaints not just public records, or these account deleted ASAP. I would like them to actual review the evidence I submitted and due a thorough investigation as well if they have any doubts as to this claim and they will see they have been negligent in their investigations and doing nothing but putting me through a financial hardship because of their unwillingness to cooperate in proper investigatory technics and instead wrote proper blurbage on correspondence back. I will write below the complaint for capital one again so they understand again why public record would show my information as well as the fiduciaries that was assigned to me while XXXX.
While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
|
08/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Copy of my letter of XXXX to XXXX of Capital One : No answer yet : - ( Copy of my letter of XXXX to XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX Capital One Bank XXXX CC XXXX XXXX XXXX XXXX XXXX, VA XXXX Ref : Your unhelpful personnel - XXXX in XXXX XXXX, XXXX, Supervisor (? ) ( Employee # XXXX?? ) in VA Removal of a late fee of {$25.00} and accrued interest to date totaling {$56.00} Savor CC : MC ending in. XXXX Do review following fact and respond : 1. Am a loyal customer of XXXX CC since XXXX. Have diligently paid charges for purchases in FULL and on TIME ALWAYS.
2. I deposit the payment cheques at my local POST OFFICE around XXXX of every month to allow ample time for it to reach you and it always does.
3. For whatever reason one payment probably did not reach in time and a {$25.00} late fee and subsequent interest was imposed every month.
4. Due to CoronaVirus pandemic, I did not incur any charges for XXXX billing cycle. But current bill showed a payment due of {$56.00}. Upon checking my records, I realized that it was due to above mentioned factors.
5. I should have called immediately when that fee was imposed but did not.
6. So I called today requesting to oblige me by removing {$56.00} charge.
7. Back of the XXXX XXXX CC boasts about your WORLD ELITE CONCIERGE Service at XXXX.
First spoke to XXXX in XXXX XXXX, I explained the situation in detail giving her all facts and requesting to remove the charge. She had to SUBMIT my request to your SYSTEM by putting the call On Hold and review my account!!! Then she magnanimously announced that she can make ONE TIME Accomodation by removing {$1.00} interest charged last month!!! This is MOST annoying and senseless How can any human even think of being so idiotic and say such things?? She had no answer!! So I asked to speak to her Supervisor.
8. XXXX put the call On Hold again and promised to get a Supervisor quickly. Soon a recorded announcement claimed of a large number of calls. Is this what you glorify as WORLD ELITE CONCIERGE Service???
9. After 3-5 minutes, XXXX, XXXX came on line. I asked her if XXXX had briefed her about my call. She averred NO stating that the call came thru normal queue!!! She added fuel to the fire by asking for my 16 disgit CC number and last 4 digits of SSN. Why are you doing this???? To annoy customers?? Dont you have any respect for customers time and frustrations??? Are you in the business to provide good service or upset the customers by such silly, unnecessary and senseless procedures?? No business ethics.
10. Anyway, XXXX too claimed that she has to submit my request to your SYSTEM for removal of the charge. A while later, she too magnanimously offered to remove {$1.00}!!! And she averred that this matter can not be escalated further because she is the FINAL authority!!! Classic BIMBO performance!!!
11. Do you train your reps to offer SENSIBLE and CARING service to customers? Or install zombies like XXXX who lack logic and comprehension of facts?
12. Are you going to get rich by collecting this piddly {$56.00} and by subjecting me to such shabby and indignant treatment? Dont you have any self-respect or honor??
I am mystified and perplexed by the conduct and response of XXXX and XXXX.
No good business would treat customers in this manner.
I hope your are sensible enough to right this wrong, aplogise and offer assurance to re-train these reps.
Sincerely : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XX/XX/2020 Capital One Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XXXX CC : MC ending in. XXXX XXXX People : Your current statement for period XXXX levied an interest charge of {$0.00}.
This is WRONG because I paid previous FULL amount of {$56.00} in time. It is credited so on above statement.
So, I called today and spoke to XXXX in Arizona. After much ado he agreed to remove that {$0.00} charge and confirmed that the new due amount is {$39.00}.
But he took a long time reviewing the account, giving me much bull and nonsense for this piddly amount. WHY???
WHY do you do such things?
1. To annoy and/or gouge loyal customers? Dont you have any honor or business ethics??
2. You dont CLEARLY WRITE CS phone number on your bill. To further frustrate customers?? Silly 3. Sooooo many IRRITATING & FRUSTRATING mechanical prompts b4 being able to talk to a person.
4. Your representatives are worse than robots. Have NO common sense but are well trained as zombies.
5. Are you in the business to provide quality service or treat the customers as piece of XXXX???
See my previous letter to your XXXX XXXX XXXX on the back.
No response yet Need one NOW.
Sincerely : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
|
02/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
XXXX XXXX XXXX have been calling me and sending me letters about an alleged debt owed to CAPITAL ONE BANK for {$340.00}. On XX/XX/22, I wrote them a Request for Validation of Debt Pursuant to 15 USC 1692g. I requested information that would validate my debt to them, along with the original contract with my wet signature. I have never done business with XXXX XXXX XXXX or signed any contract with them.
On XX/XX/22 I received another letter from them and this collection is on all three of my credit reports currently. According to 15 USC 6802 ( b ) ( 1 ) ( b ) Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; This is a violation because I did not give anyone disclosure to my nonpublic information, especially not a third party I did no such business with.
Secondly, 15 USC 1692c. Communication in connection with debt collection : ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
I never gave XXXX XXXX XXXX, XXXX direct consent to contact me nor did I give consent to CAPITAL ONE BANK to allow my information to be disclosed to any third party.
15 U.S. Code 1692b ( 5 ) - Acquisition of location information, states that : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692e ( 2 ) ( 8 ) ( ( 10 ) ( 11 ) - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
1. This collector used false and misleading information by stating that they are the creditor to whom the debt is owed. They are a third party and NOT the original creditor. 2. They also offered me three payment plans with savings options. That is false and misleading and a false representation of the amount of debt.
3. They enclosed a statement that says " the savings will be applied to the balance and your account will be considered paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the three major credit reporting agencies delete our tradeline related to your account from your credit bureau report. '' Again, I never gave them or CAPITAL ONE BANK any disclosure to report ANY non public information to a third party or give anyone access to my credit report, especially not a company I have no original contract with.
|
03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
I have had a recent drop in my credit score which I believe to be due to information changes made by Capital One that aren't warranted. I pay off my credit card balances before the end of each period and do not expect to see a change for this type of activity and understand that not all credit reporting bureaus reward you for this. My concern is that Capital One is continuing to provide information that has a punitive result while I am paying an amount off in collections. My other two accounts with them are in good standing. On XX/XX/XXXX XXXX dropped my credit score and while communicating with XXXX their agents had explained that any inquiries about information on my credit file had to be addressed directly with the creditor. During my investigation I came across data on my credit file with Capital One that prompted me to contact the company directly. An associate of Capital One advised that Capital one had entered a request to have my credit file deleted regarding the account ending XXXX. I have not requested any of my account history to be deleted from my credit file. Removal of credit history from my credit file would harm my credit score greatly. There is a note on my XXXX account that recent activity includes missed payments being removed from my Capital One Accounts. Also, the account ending XXXX did not seem to be calculated in my XX/XX/XXXX score. The card ending XXXX defaulted due to non-payment and was paid in full last summer : however the status remains open and the card is restricted. As far as I know the restriction status is not being reported to the bureaus. According to Capital One I can keep this account open until I contact them to close out the account. Understanding that this would hurt my credit score I have opted to leave the account open for now. On XX/XX/XXXX XXXX made comment on their website that my eldest credit card was less than a year : which is true only if account ending XXXX is not counted. I did enter a dispute with XXXX on XX/XX/XXXX and the resolution was found on XX/XX/XXXX. After calling Capital One, information was provided by the Capital One Agent on how to submit my dispute ( letter is attached ). My dispute only mentions the account in need of correction as far as I could tell at that time, which was XXXX due to the last date of reporting. The response from Capital One from my my previous dispute mentions that there was no reporting of this account as late. It mentions one of multiple calls on XX/XX/XXXX where I was misquoted as stating that Capital One is not reporting my account : when indeed the calls were about the lack of payment history for the account in collections. I was later made aware the account in collections will reflect paid in full and not to expect an update in monthly payments on my credit file. At the time of my initial complaint XXXX was missing this information on the visible page, but did indeed have record of the account, which is how I was able to present a dispute with them internally. A copy of my XXXX Credit Report for the XXXX account dated XX/XX/XXXX is attached. Data can be used to tell an accurate story and paint a picture to yield an outcome : the credit score is not just a calculation. The weights and measures are based on how the information is reported as well. My credit score has dropped 25 points and a review of all changes suggests the following ; the report of late payments stopped with XXXX when Capital One stopped reporting which was in XXXX of XXXX. Late payment history has not been removed preventing potential lenders from viewing my true Risks, and notes regarding the re-opened dispute. In addition, XXXX deducts points from your credit file when a dispute is sent through to them from the creditor. I have seen this before on my husband 's account. As of XX/XX/XXXX Capital One added these notes " CONSUMER DISPUTES REINVESTIGATION IN PROGRESS. '' I have not received any communication from Capital One regarding the investigation being re-opened yet these notes were placed on my credit file. The account ending XXXX closed with a written off balance. I have made payments as agreed since entering into a collections agreement. The last report of a balance was on XX/XX/XXXX showing a balance less than the debt at the time collections started. The original balance of the account was {$1900.00}. All other notes to my credit file on XX/XX/XXXX. were reports of being paid as agreed or positive. My score has dropped 25 points and capital one 's activities are the only possible negative interactions. I have provided PDF 's of the other activity reported on the same date as well.
Prior Consumer Case : CFPB Case : XXXX Capital One Case :
|
03/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
I had an authorized user on my Capital one account whom I allowed to use the card to rent a car ( monthly lease ) from XXXX XXXX XXXX XXXX. The lease began in XX/XX/XXXX. The agreed amount was XXXX per month. The monthly amount was paid by capital one and the authorized user paid the billed amount each month. The first bill XX/XX/XXXX, and the account was then billed every 30 days. This went on from XX/XX/XXXX until XX/XX/XXXX. The authorized user had a problem with receiving his pay check from his employer in XX/XX/XXXX which caused him to go a month behind. Capital one began to send me emails to notify me that XXXX XXXX XXXX XXXX was trying to charge the account for {$800.00} to pay the XX/XX/XXXX bill. There was not enough credit on the account to cover the charge. The notices from Capital one suggested that I either pay the account to have enough credit available or to increase the credit limit. I called capital one several time to request a credit line increase which I was denied because I had an increase less than 6 months prior. XXXX XXXX continue to bill the account for {$800.00} to cover the XX/XX/XXXX bill and I continue to receive the emails from Capital one suggesting that I make a payment or increase the credit line. The authorize user was contacted by XXXX XXXX stating that if he could not make the XX/XX/XXXX payment he would need to return the car. He made many attempts to get his pay from his employer and to secure enough funds to pay the XX/XX/XXXX bill from XXXX XXXX. On XX/XX/XXXX XXXX returned the vehicle to XXXX XXXX. That day I received notice that charges were being made to my account. I called Capital one to determine where and why the charges were being made in such weird amounts from XXXX XXXX. The Capital one representative explained that the amounts varied and she could not determine why they were coming in like that at one time ( varying in amounts on the same day ) so she decided to do a three way call to XXXX XXXX to determine why the account was being charged. The XXXX representative stated that the computer was trying to get the payments from the account and it ( computer system ) was designed to charge various amounts in order to get payment. I explained that appeared to be suspicious and unethical. She became belligerent and told me that the a charges should be more than the $ 800 monthly charge because he did not pay. I explained that was not possible as the monthly lease was for {$800.00} a month. I explained the only bill that was not paid was for XX/XX/XXXX. The representative stated she would refer the account to their collection department and I would hear from them. After the call ended the Capital one representative stated she would place a block on the account to stop further charges. Two days later my account which had a limit of {$1700.00} ( only {$90.00} was available at the time ) was then charged for {$2400.00}. That charge took my account for the limit by {$2400.00}. I called capital one and their explanation was that there was no detailed record of my call on XX/XX/XXXX. I asked it that call was recorded and they told me that they would have to pull the recording. I made a request to dispute the charge and requested that they pull the recording because the {$2400.00} charge should not have gone through on a blocked account and on and account that only had {$90.00} available. I had been denied a credit increase many times. Their answer was that they allowed the overdraft as a courtesy. I asked how can you allow {$2400.00} but not allow {$800.00}. The only answer was that the computer makes the determination. I am very frustrated that we never received a notification from XXXX XXXX XXXX as to how we were being charged for {$2400.00} but the account was being billed for {$800.00} up to the very moment he return the vehicle. Also Capital one did not protect me as a customer by allowing the charged that I did not have available credit for. The charge should have been rejected for {$2400.00} as it was rejected of {$800.00}. I paid very little interest on my capital one account because the bill was paid in full most often. it appears the bank made a decision that would benefit them and not in the best interest of the consumer. I did what I needed to do to protect my account from additional charges when I agreed to have the account blocked. I do not feel that my right to be informed was protected and i believe it is an unfair business practice to allow an account to be overcharged by {$2400.00}. Which will reflect as a credit risk to the credit bureaus for a bill that I was never notified of until it was already charged to my account. I have a right to fair due process.
|
10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
I applied for credit card for myself and my business. And I was denied credit to the fullest extent of the law. Capital One, has broken the law by committing Wire Fraud! My social security number was used and my credit has been damaged do to my credit scores dropping tremendously. According to the law, Adverse Action 15 USC 1681 ( d ) ( 6 ) - is the law that they need to read.
ACCORDING TO THE LAW ... CAPITAL ONE ISN'T ABOVE THE LAW...
also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open-ended credit.
As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application. Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e .
Furthermore, pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination.
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
Again, I am requesting a line of credit card of {$3500.00} worth of credit-that I can not be denied, because Capital One operates in COMMERCE, under the United States of America XXXX
I have attached links to congressional law for reference.
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau has issued regulations under ECOA XXXX These regulations, known as Regulation B, provide the substantive and procedural framework for fair lending.
Because the Department 's authority to prosecute matters extends only to those instances of a pattern or practice of discrimination on a prohibited basis, individuals who believe that they are the victims of unfair discrimination in a credit transaction should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate for purposes of compliance with ECOA are as follows : Consumer Financial Protection Bureau [ CFPB ] : Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates. Also shares enforcement authority with the Federal Trade Commission over mortgage brokers, mortgage originators, mortgage servicers, lenders offering private educational loans, and payday lenders regardless of size.
Comptroller of Currency [ OCC ] : National banks, Federal savings associations and Federal branches/agencies of foreign banks with total assets of under {$10.00} XXXX ( the words " National '' or " Federal '' or the initials " N.A. '' or " F.S.B. '' appear in or after the bank 's name ).
Federal Reserve Board [ FRB ] : Financial institutions with total assets of under {$10.00} XXXX that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks.
Federal Deposit Insurance Corporation [ FDIC ] : State chartered banks with total assets of under {$10.00} XXXX that are not members of the Federal Reserve System.
National Credit Union Association [ NCUA ] : Federal credit unions ( the words " Federal credit union '' appear in the institution 's name ) .
Federal Trade Commission [ FTC ] : Retailers , finance companies, creditors that are not exclusively assigned to another agency.
16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction.
1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer.
So now my social will be used in trading... Now my credit report is being hit and have taken a drop due to FRAUD.
So, I am also putting Capital One on notice for the Attorney General due to fraud, discrimination, wire fraud and all of the above ....
|
06/21/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
XX/XX/XXXX Made purchase at XXXX XXXX XXXX XXXX in XXXX, Oregon {$87.00} I requested to use my XXXX XXXX credit card for purchase I told the associate that I wanted to make a payment for this purchase while I was at the store. Associate XXXX rang up purchase, accepted personal check in the amount of {$87.00} for payment of purchase and entered the payment information into the register. The associate attempted to complete the transaction a different register and told me that my XXXX XXXX credit card had been declined. She checked and found that the XXXX XXXX cc which was issued through Capital One was no longer valid as Capitol One was not the company now used to cover the XXXX XXXX cc. At that point I opted to use my VISA card to complete the purchase. As the associate had already accepted the payment check and rang it up on the register she said that I could contact XXXX XXXX customer service to have a refund issued to me in the amount of {$87.00}. She provided me with the customer service phone number of XXXX. A couple days later I called the customer service number provided to me to initiate the process to have my payment refunded. I was transferred to the credit card unit where I explained the situation. I provided all of the account information to the call taker who checked in the XXXX XXXX purchase history and showed both the purchase on my Visa card, and the payment made by personal check. I was told that a refund check would be issued to me in 10 30 days. In XX/XX/XXXX I called again and spoke with XXXX who said that a paper check had been issued on XX/XX/XXXX and mailed out. I advised that I had not received a check and was assured, once again, that a check would be re-issued within 30 days. On XX/XX/XXXX I called again and spoke with XXXX who said that he was able to access the history of the my phone calls, verified that there had been an payment made by me and should be refunded to me and assured me that a check was being processed to be sent to me in the amount of {$87.00}. XX/XX/XXXX at XXXX XXXX I called to verify that a refund check had been requested and would be sent to me. There was no record of a check having been issued but I was assured ( once again ) that a request for a check would be submitted and would be delivered to me in 10 30 business days. XX/XX/XXXX at XXXX XXXX I called and spoke with XXXX. I was told ( for the 5th time ) that the records did in fact show that Capitol One did owe me {$87.00} for a payment on XX/XX/XXXX. I was told Yes - a refund check would be issued to me. XX/XX/XXXX XXXX XXXX I called the Capitol One General Customer Service number XXXX which was provided on their website. I spoke with XXXX and explained the situation and the number of times I had called to get this matter satisfied with a refund check. She too was able to read the log of my calls and what information had been given to me in each call. She then transferred me to XXXX who was going to help me get this resolved. XXXX too accessed the call history and said that a check had been mailed in XX/XX/XXXX but had been returned as undeliverable. I explained that I had lived at this address for over 12 years and had not had a problem with having mail delivered. He read to me the address that they had in their records and I confirmed that was the correct address. XXXX said that he was requesting a check be issued to me to end this transaction. He assured me that a check would be coming in between 7 14 days. He gave me a phone number to call back if I had any questions. That number is XXXX. I called this number the next day to verify the address that they had in their records, XXXX assumed me that they did in fact have the correct address and the check was going to be issued and sent to me. NO CHECK ARRIVED. On XX/XX/XXXX at XXXX XXXX I called XXXX and spoke with XXXX. He said that on XX/XX/XXXX a check was issued in the amount of {$87.00}. He said that he would check on this and get a tracking number to provide to me and call me in 24 hours with information on what action is being taken and when this will be resolved. XX/XX/XXXX XXXX XXXX no call has been received from XXXX at Capitol One. I know that Capitol One has a record of my address somewhere in their files as I get multiple offers in the mail to apply for a Capitol One Credit Card. If they have the information to send me offers surely they have that same information to send me a refund check. I feel that I have been more than patient in this situation. Were the " shoe '' on the other foot, Capitol One would be requiring that I not only honor my commitment to them to pay my debt - but would charge me interest if my payment was late.
|
04/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
My wallet was pick pocketed on XX/XX/XXXX while in XXXX. I did not realize for 3 hours until I went to buy food about 3 hours later and my wallet was gone. I immediately called my bank in XXXX XXXX and Capital One and both told me there had already been charges done at a XXXX XXXX. My bank in XXXX XXXX advised they created a dispute and all funds would be back in my account within 10 days.
While I had placed a travel alert on my personal bank account to use the cards in XXXX, I had not created a travel alert for the Capital One credit card because I had no plans to use it. I also had a zero balance at that time as the card was only used occasionally. When, it was used, it was paid in full every month.
Yet, Capital One did not consider this suspicious activity that the card was used for a {$2400.00} purchase and a {$700.00} purchase in XXXX XXXX in XXXX, XXXX.
In addition, while trying to get these fraudulent charges resolved and after my cards had been blocked, which was done the same day my wallet was stolen, XX/XX/2022, Capital One advised there had been other attempts to use my card in various forms.
When I contacted Capital One, they said they created a report disputing the charges and to expect something by email as they needed to verify my identity. I received the email and uploaded my passport. After more than a week had passed, I had heard nothing so I called Capital One again. They then told me I needed to upload my driver 's license, which I advised had been in my wallet when it was stolen. The email sent from Capital One stated a FEDERAL or state issued ID was sufficient and I have copies of the emails. I found a copy of my driver 's license and then uploaded that.
The account was under my mom 's name and I was an authorized user and they asked for my mom 's ID. I had all of her information after her death, so I uploaded that.
Again, I received no follow up by email or phone from Capital One so I contacted them by phone again. Even though I had uploaded all documents requested, they advised the account was restricted and they couldn't speak with me about it.
I had also filed a power of attorney with Capital One after the account was opened because I was managing all of my mom 's finances before she passed away. They showed no record of this ever being submitted.
By this time, after more than 6 calls to Capital One fraud department, no one helped me. Finally, after explaining I needed to resolve the fraudulent charges and how could I get someone to help me since I had told them my mom had died, they transferred me to the Estate department on XX/XX/XXXX.
Dates of Calls to Capital One XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I had made the minimum payment due of {$35.00} in XXXX since the dispute had not been resolved and I did not want to have a late payment.
When, I spoke to the representative in the Estate department on XX/XX/XXXX, he advised he could see what had happened, apologized about the horrible service I had been having with the fraud department and put me on hold so he could get the fraud department to remove restricted status so he could resolve. He reviewed the account, entered notes and said I would be receiving a letter showing the account was closed and he also requested a refund check of the {$35.00} payment I had paid in XXXX. The account representative was XXXX I spoke with on XX/XX/XXXX.
I called Capital One today, XX/XX/XXXX, to follow up to make sure everything was now finalized as I had received the refund check of {$35.00}.
I was dumbfounded to be told that my fraud claim and the disputed charges had been denied and the account was in collection.
The amount of charges disputed were over {$3200.00} USD.
Since a person of unknown identity stole my wallet, which included my driver 's license and used the information to make purchases at XXXX 's XXXX, where I do not have a membership, there is no question these charges were fraudulent yet Capital One has denied the claim and is saying that I, as an authorized secondary card holder, am responsible for the charges.
They say there is nothing more I can do with them except pay. I can't even appeal the decision.
The Fair Credit Billing Act says the maximum a person can be held liable for with regard to fraudulent charges is {$50.00} USD.
" The Act requires creditors to give consumers 60 days to challenge certain disputed charges over {$50.00} such as wrong amounts, inaccurate statements, undelivered or unacceptable goods, and transactions by unauthorized users. '' Today is XX/XX/XXXX and the theft occurred on XX/XX/XXXX so today is 58 days.
|
06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
XX/XX/2023 I requested a balance transfer for {$18000.00} from Capital One to be sent directly to XXXX to pay off one credit card. The total available balance on the Capital One at the time was {$20000.00}.
XX/XX/2023 I had realized that the balance that I had requested was over what was owed on XXXX by {$3100.00}. I called Capital One to speak to an agent about cancelling the transfer with the full intention of requesting four new transfers to consolidate current credit debt. The agent I spoke to stayed on the line while she contacted a supervisor named XXXX to complete the cancellation. I was told that the transfer was still in a pending status since balance transfers typically can take anywhere from 3-5 business days. This matched what I was looking at on my Capital One account as well. At the end of the phone call, I was assured that I could proceed with my request for the new transfers because my current balance on the card was set back to {$0.00}, and my credit available was once again {$20000.00}. This was also reflected on my Capital One app. After the phone call I immediately requested the four new balance transfers. The total amount of the new transfers was {$19000.00}. This was the total amount available for me to transfer due to there also being a 3 % fee on each transfer. The transfer amounts and fees for all of the transfers are as listed.
XXXX XXXX : ( {$3100.00} ) and ( {$1100.00} ) { These were on two separate cards. } Fees- ( {$95.00} ) and ( {$34.00} ) XXXX : ( {$13000.00} ) Fees- ( {$400.00} ) XXXX XXXX : ( {$1600.00} ) Fees- ( {$49.00} ) XXXX original transfer : ( {$18000.00} ) Fees- ( {$550.00} ) XX/XX/2023 I looked at my XXXX XXXX and noticed that I had a negative credit balance of {$3100.00}. Looking at the amount paid by Capital One to XXXX it was the original balance transfer that I had been told was cancelled. I immediately called Capital One to figure out what happened. I was on the phone with an agent for almost an hour just to be told that the original transfer of {$18000.00} did not show to be cancelled. I was told that she could see where I had previously called but there was no information as to what was done during the call. I then requested for the four transfers then to be cancelled so that I could ensure that the new transfers did not also process through. The only response I had gotten was that because it was over my credit limit after the original transfer there was no way the other balance transfers could even process, but they were unable to cancel from the stage that they were in. I was told to keep an eye on the accounts to make sure there were no further issues. Later that night I had a conversation with XXXX to refund the {$3100.00} to my account. I was told this could take around 14 days to show to my account. At the point of typing this, I have not yet received that refund.
XX/XX/2023 The next morning, I checked my XXXX card to see that I now had a negative balance of {$16000.00}. The second transfer of {$13000.00} had now also been paid to my XXXX account. Looking at my XXXX XXXX cards those transfers have been paid as well. According to my Capital One account the XXXX XXXX has been paid, but I have yet to see it on my XXXX XXXX account. I immediately made another call to capital one, but it ended up disconnecting in the area I was in before anything could be done. I decided to call the next day when I was able to have better service.
XX/XX/2023 This is where I am looking to reach out to you for assistance. I made a call at XXXX XXXX to Capital One with the concern that I am now {$19000.00} over my {$20000.00} credit limit. I am also now being charged a 3 % fee on balance transfers that I was told should not have ever even gone through. I have now called two different supervisors to try to resolve the issue. I have only been told that there is nothing they are able to assist me with because I called too late even though this has not been my first phone call to the company within the last week. My Capital One account now is at a balance of {$39000.00} when I only have that {$20000.00} limit. I was not given an answer as to how this could have even gone through their system in the first place. Since the phone calls, all I have done is make another call to XXXX to receive the remaining negative {$13000.00}. I am receiving this money within another 14 days with the full intention of sending it directly back to Capital One. I am at a loss now of how I have gotten charged well over my limit including a fee of {$550.00} on the original {$18000.00} that I had originally worked with Capital One to cancel before it appeared on my XXXX account.
|
11/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
This is an escalation to the NUMEROUS billing errors and notices of dispute I have sent to CAPITAL ONE since XXXX of this year, which your organization failed to respond to.I am writing on my own behalf, with no help from anybody or anything. Because all must have equal access to the law, the code and regulations referred to are open to the general public at large. Justice is not for sale, obstruction, or procrastination, according to the appropriate governing preambles, constitutions, and bills of rights. I am well aware that my consumer rights have been and continue to be violated.
From the start of the supposed business agreement, purported to be a contract, CAPITAL ONE has engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer.
Every credit sale after XX/XX/1977 is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with CAPITAL ONE is no exception.
Per the definitions in 16 CFR 433.1, CAPITAL ONE is subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632.
Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ).
2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z.
3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting.
4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper.
5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me.
6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement.
I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract.
I have reason to believe and do so believe that CAPITAL ONE is a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ).
As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to CAPITAL ONE to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. CAPITAL ONE has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information, including location information with consumer reporting agencies. I do not give CAPITAL ONE or any party permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).
|
12/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American, Servicemember |
To Whom It May Concern : Approximately 3 years ago, I opened an revolving charge account with Capital One. I have always paid the card off each month, leaving a XXXX balance. Since XX/XX/XXXX of this year XX/XX/XXXX, I have had a running balance of approximately, {$6100.00}.
On XX/XX/XXXX I authorized XXXX XXXX to transfer {$1800.00} onto my credit card account with them, and this was done. At the same time, I paid {$3500.00} over the phone on the balance of my Capital One account. I have reward money in the amount of {$230.00} in which I would like to use toward final pay off of my account. I believe the balance there would be approximately {$540.00}.
On XX/XX/XXXX a letter was written by Capital One to me, in which I received it approximately XX/XX/XXXX. I immediately contacted them at the number provided ( XXXX ) and spoke to XXXX at XXXX in the afternoon. The representative XXXX asked me a couple questions : ( 1 ) Did I request a new credit card in XX/XX/XXXX?
( 2 ) Did I change my e-mail address?
( 3 ) What was may mailing address?
( 4 ) What was the last 4 of my social security number?
I replied that my original card issued in XX/XX/XXXX, had the last 4 numbers of XXXX. In XX/XX/XXXX of this year, XX/XX/XXXX, a new card was sent to my at my home address, with that number ending in XXXX.
I verified my e-mail address and home mailing address, along with the social security number.
Then I was informed that some one requested a card be sent to them, but to another address. I tried to get information but was informed no more information could be given out. NOW THE PROBLEMS BEGIN!!!!!
I was asked to provide a copy of my drivers lic and a copy of my social security card be mailed to them so they could verify who I was. I explained that I would not consider this course of action in today 's time. I again, gave them all the pertinent information they requested but to no avail, they would not discuss this any further.
Again, XX/XX/XXXX at XXXX, a man named XXXX called and left a message. I tried to return his call but could never get through. at XXXX that evening, I called and spoke with XXXX. I mean no offense, but he kept talking in circles and I was having a hard time understanding him. He said my case manager was XXXX, XXXX and his extension was XXXX. XXXX asked me the same questions XXXX did. I verified everything and he said I needed to submit the same paperwork. Again, I said I would not do that.
On XX/XX/XXXX at XXXX, XXXX, XXXX extension was busy. I then called the original phone number ( XXXX ) and talked to another man. In error, I do not have his name. I requested to speak with a supervisor. He took all the information and said the supervisor will discuss with the fraud department on some one would be calling me back tomorrow.
To date, I have heard nothing.
Today, XX/XX/XXXX, I was notified of my billing statement thru my e-mail. I see the bill is up to {$880.00} and we have not charged anything on this account in 2 months. The notification said I could review my bill ... .so when I tried to sign on, again, something has happened and I am unable to log onto my account.
At XXXX this morning, again XX/XX/XXXX, I tried to contact XXXX, XXXX. His line was busy. I called the original number and I received a lady by the name of XXXX. Through our conversation, I explained everything to her, she asked me the same questions as all the other had, I verified everything and she said she would not be able to give me any information until I mail in the drivers lic and soc security card. I explained that was not an option. I asked to speak to a manager ... .I then spoke to XXXX . I explained everything to XXXX and yes, by this time I am a little frustrated. His response was, once you send in requested documents, we will talk to you about your account. At this time, we can not and will not discuss anything with you. I asked to close my account and XXXX said he would prepare documents, then came back and said he could not.
So in closing, I am unable to review information about my account on line, I am unable to get any information regarding my account and I can not close my account.
I am asking for assistance from your department. I will not send a copy of my drivers license or social security card through the mail for obvious reasons. If there was another alternative I would be more than happy to comply ... ..but with that being said, I have verified information all the way back to day one - kind of seems like they could request information from the new person who requested a card be sent to another address.
Your assistance in this matter is greatly appreciated.
|
01/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I filed a complaint concerning Capitol One mishandling a dispute investigation, case # XXXX-XXXX.
Capitol One contacted me via a phone call on XX/XX/XXXX from a representative named XXXX who has been in touch with me via phone conversation only since. XXXX identifies herself in the respoinse letter in the former complaint, with the following information ; " If you have questions or concerns, please give me a call at XXXX, Monday-Friday from XXXX XXXX-XXXX XXXX. PT. When contacting me, please use XXXX as the 6-digit PIN when prompted. My 7-digit extension is XXXX. Im glad to help any way I can.
Sincerely, XXXX XXXX, on behalf of Capital One '' XXXX informed me on XX/XX/XXXX, that Capitol One have determined that they had made a mistake and woud be refunding the charges on my account, as well as all associated interest charges. XXXX asked if I would be keeping my account with Capitol One Spark if the account was re-credited of all charges, and my response was, and is, that it all depends on how the situation is handled.
XXXX has responded to several calls since XX/XX/XXXX, all the way up till this past week as recent as XX/XX/XXXX. All phone conversations were stated as being recorded by Capitol One, and by myself XXXX XXXX. In conversations since XX/XX/XXXX, XXXX has stated that Captiol One was working to re-open my account, and re-credit the amount shown previously as due, that this matter would not reflect negatively on my credit history in any derogative manner or negative to my credit history, and that they would restore my standing with the credit agencies by stating this was an error and restoring my FICO score. XXXX has since told me in every conversation that this would be a " long process '' but they were working as hard and fast as possible to restore my credit. XXXX told me also that they would send me a written statement confirming these verbal claims, but could not garutee a date or method for this written confirmation, but that I would simply need to remain patient while this was resolved.
As recent as XX/XX/XXXX, Capitol One has now reported to XXXX that this amount is still owed. All credit reporitng agencies show this matter still as a 'Derogatory Information ' and that the account comments read as ; " CHARGED OFF ACCOUNT, ACCOUNT CLOSED BY CREDIT GRANTOR, ACCOUNT PREVIOUSLY IN DISPUTE-NOW RESOLVED BY DATA FURNISHER, ''.
This information in contrary to what was, has been, and is being promised by Capitol One, which was to restore my credit, clear any and all Derogatory Information, and report an error on their part, not a charge off. The actions taken by Capitol One have lowered my FICO score, and now leave a derogatory note on my credit history. All phone conversations and claims that my credit would be restored, and that no derogatory information would be reported, have been recorded and I do have these recordings. I did wait for a letter stated to be sent within 2-4 weeks, on XX/XX/XXXX, and have still not received any letter. I have not seen any acceptance of fault by Capitol One reported to any credit bureaus, but rather they have now rolled this into a 'Charge Off ' account which negatively affects my credit, despite I have done no wrong, have not defaulted on any debt, have disputed debt properly and consistently with creditor and credit reporting agencies.
Under the Fair Credit Reporting Act ; 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] There is a clear breach of accurate information being provided on multiple levels. The account shows as being a 'Charge Off ' although we have been provided pin numbers and activation letters from Capitol One showing the account as open, contrary to the CB 's showing the account as a charge off. Also the 'Charge Off ' in contradictory to all infoirmation expressed verbally and recorded by XXXX that the account would be restored and no derogatory information to be reported. In addition the FCRA states that any new negative reports be submitted to consumers in writting within 30 days, which has not been done, but rather Capitol One has been consistently mis-leading me to believe they were restoring my credit history, and FICO score, all the meanwhile they have been walking this to a 'Charge Off ' and it would appear trying to appease me as they move towards a statute of limitations on civil recourse. Capitol One has neglected to send me any information in writting, other than the pin numbers to the " re-activated '' account, that they tell us verbally we do not owe for and are restored, however the Credit Bureau 's show different information as being reported.
|
02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
To Whom It May Concern : Re : This was not sent in error, not a material misrepresentation, and If you have a record that the information below is inaccurate please have a senior executive from your company certify under the penalty of perjury to its accuracy.
Be advised : I consider all information associated with me including but not limited to my name, accounts, addresses, phone numbers, and associated identity numbers as well as numbers, characters, and/ or similar symbolic arrangements to be personal, confidential, and uniquely mine ( copyright attached ).
As such, arrangements must be made with me to use or store such information. Any permission and/ or authorization you think you may have had regarding the use and/or storage of such information is hereby revoked and a new agreement is constituted beginning this day.
After numerous attempts to resolve this issue with XXXX XXXX, XXXX, and XXXX ( CRA ), certain information is still being " validated '' " certified '' " verified '' after the primary investigation and reinvestigation. This has been causing me undue anxiety, I am distressed due to the adverse information being reported to the CRA, and this distress related to an inability to move forward in commerce and hindering my ability to move forward in my business affairs affecting my livlihood.
Under Federal Law, I, the consumer, have rights regarding the reporting of information in my consumer report. My name continues to be reported incorrectly...
Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. and the information associated with it is causing me significant harm. All of which continues to be verified, updated, and reported to the CRA.
I DO NOT consent to the use of my name in any way, nor did I provide written consent for the use of my name ( see attactched copyright ) - 17 USC 501 Infringement of Copyright ( b ) The legal or beneficial owner of an exclusive right under a copyright is entitled, subject to the requirements of section 411, to institute an action for any infringement of that particular right committed while he or she is the owner of it. ( see attatched ) You are hereby advised that you DO NOT have my permission to store information regarding me or information attributed to or about me. Therefore, you are hereby ordered to remove and purge any such data or information from your filing systems Any permission, right, or privilege you think you may have had to store information or data regarding me is hereby revoked.
42 U.S. Code 408 ( a ) ( 8 ) ( 9 ) Penalties ( a ) In general Whoever ( 8 ) " discloses '', " uses '', or " compels the disclosure '' of the social security number of any person in violation of the laws of the United States ; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, I DO NOT consent nor give written authorization for the use of my personal and private information 15 USC 1681b ( a ) ( 2 ) ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Furthermenre, the FCRA protects, me, the consumer from adverse information being in my consumer report.
15 USC 1681c Section ( a ) ( 5 ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) ANY other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.
UCC 2-209 Recession of Contract You are entering a binding contract and a new agreement is constituted beginning this day.
You are hereby granted permission to use and/or store such information and/or data while you compensate me at a rate of {$5000.00} per month due and payable on the first day of each month, plus a two percent monthly interest rate on monthly unpaid balances, plus {$500.00} per occurrence late charge, plus a {$1000.00} billing fee. You will send a notarized agreement and payment to the address below.
Payable by Cahsiers Check to XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Failure to send agreement and payments beginning XX/XX/2023 makes the use of any of my personal information an infringement of copyright and legal action will be sought.
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02/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A couple of weeks ago I began getting barraged with phonecalls from the Capital One collections center. It was difficult for me to get back in touch with them because I am currently overseas. Once I finally did a few days ago, it came to light that there was a Capital One credit card, now delinquent, opened fraudulently in my name this past XX/XX/2017. I am not in any way a current customer of Capital One, and have no connection whatsoever to any of their products. I worked with their representative on the phone, only to discover that this card was able to be opened in my name DESPITE the fact that the address information on public record file for me on my credit report was NOT matched, and somehow, what's more, the fraudulent address that thieves used was then added to my credit report, now in connection to me. Now I found myself with not only a maxed out and delinquent credit card in my name, a hard inquiry ding from CapOne from XXXX when it was opened, but also a completely false address on my credit report, added there by Capital One as a result of this criminally approved application. Since then I have spent many, many hours filing all the paperwork and disputes with all the credit agencies and federal entities necessary, costing me hundreds and hundreds of dollars in phone charges since I am still overseas and having to make all of the calls while in international roaming.
What is most alarming to myself, and everyone, is how this credit card was able to be opened with Capital One. The thieves used a fake address while claiming to be me, an address which was not a match! And that address, thanks to this negligence on CapitalOne 's part, was even then added permanently to my credit report, as a valid current address for me.
How in the world were these thieves allowed to **add** a fraudulent, non-existent address, to MY records, and then successfully get a credit card from it? An address I have never lived at or heard of, in a town I have never even been to -- XXXX, Florida?? It was explained to me that the fraudulent credit card application was strangely approved **even though** the correct personal information given was NOT a match, and the thieves just simply gave a brand new, fake address in order to get approval. Not only did giving that fake address somehow get them approval ( instead of having to match my correct address ), but now I am the one who has to clean up this mess and fight to get that address removed from my records, in addition to cleaning up my credit score and the damage done. We know they used my name, a fake email address ( I was told the email address given for the application was XXXX and I have also filed a claim with XXXX letting them know what this user is doing ), and then they simply gave a fake mailing address which was in no way officially and validly connected to my name and SS #.
The negligence shown by CapitalOne in so flippantly and easily approving a credit card for someone who did not have or provide the right information, and then inserting the WRONG information on to my personal records, is abhorrent. I am shocked and will take all steps necessary to make sure that Capital One is held fully responsible for such loose and irresponsible security policies. Although I am not a Capital One customer, their lazy and permissive policies made it possible for me to be taken advantage of, allowing my name and financial reputation to be stolen, abused. At no point during the thieves ' application process was any amount of the correct due diligence completed, CapOne never did a single thing to ensure the security and safety of consumers ( whether we are their customers or not ) by having a decently stringent application process in place, for if they had, this would not have happened.
I am awaiting news and updates from CapOne specialists on the status of my case and getting this account closed. I will then spend hundreds of additional dollars in international telephone call fees calling each of the credit agencies a second time, since I was informed that the step of the address removal can only be done manually, once again by me, once Capital One has removed the account from my report. So I had to spend time and money calling and alerting them all now of the fraudulent card the first time, and will then have to call them back a second time, each, from XXXX.
These institutions can not be allowed to get away with such negligent application processes, which allow innocent people to be so easily taken advantage of, and which leave the victims with the chore of hours and hours of work to clean it up, and in my case, hundreds of dollars of expenses.
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08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Older American |
XX/XX/XXXX, XXXX This Consumer phoned Capital One Credit Call Customer Service XXXX to find out " WHY '' Capital One locked this Consumer out of her Credit Card XXXX After receiving a few Email Notices concerning a Declined. Charge from XXXX ( a Grocery and Delivery Service ) about a charge of {$160.00}.
Capital One 's Email and Capital One 's Customer 's Call Center 's Female Representative DID NOT ADDRESS THIS CONSUMER 'S QUESTION OF " WHY '' SHE WAS LOCKED OUT OF HER CREDIT ACCOUNT.
This Capital One 's Representative wanted this Consumer to make a payment to help avoid future declines. She also told this Consumer that Consumer owed Capital One a balance of {$150.00}. ( Also stated in Capital One 's Email ).
Consumer repeatedly inquired what credit amount was available on this Consumer 's Account. Getting very frustrated with this Representative 's demand for ANOTHER PAYMENT. This Representative finally answered this Consumer 's available credit amount available {$140.00}.
Then This Consumer was told that Consumer had to change Consumer 's Password.
Explained that She had to read terms/conditions that this Consumer HAD TO AGREE TO. She read the first Term/Condition- Consumer asked if Consumer would receive a copy of this Term/Condition that Consumer HAD TO AGREE TO. Representative DID NOT RESPOND. Representative stated to Consumer had to agree to this agreement so Representative get into Consumer 's Account and for Consumer to change Password. Under VERBAL PROTEST Replied " I guess so '.
2nd Term/Condition disclosed to Consumer was stated for Consumer. At this Time, Consumer asked again, would Consumer receive a copy of this Agreement. REPRESENTATIVE RESPONDED WITH SILENCE.
Consumer stated- '' Consumer is going ro have to Record Conversations like these '' ( Common Sense.Consumer will Not receive a Copy of these terms/Conditions, being forced to agree to. ) CAPITAL ONE 'S REPRESENTATIVE VERY RUDELY STATED TO THIS CONSUMER TO " TURN OFF CONSUMER 'S RECORDING OF THIS CONVERSATION. '' ( Several times ). Which Consumer stated " IF CONSUMER WAS RECORDING THE CONVERSATION. '' Consumer tried to explained that CA has laws about Consumer 's have to receive copies of any Contract within ten days. [ CA CIVIL CODE sec. 1799.202 ] Also stated in the [ CA Consumer Protection Act, 2002 ] - states for Internet contracts/Agreements -15 days to be delivered to Consumer.
Representative insisted that This Consumer HAD to Agree to Capital One 's 2nd Terms/Conditions that Consumer has to Agree to pay Consumer 's Data costs to allow Capital One 's Notices. Under PROTEST this Consumer felt threaten to do so, to save Consumer 's Credit Rating.
This Consumer Demands that Capital One to Rescind these 2 Terms/Conditions that this Consumer was forced, undress to agree to. Just to change a XXXX PASSWORD.
Consumer 's quoted [ CA CIVIL CODE sec. 1689 ] - " Rescission extinguishes the Contract, terminates further liability on the agreement, and restores the parties to their former positions '' This generally requires each party to return any consideration received prior to the rescission. '' LASTLY- ALL OF THIS MISUNDERSTANDINGS WERE DUE TO THIS CONSUMER FORGOT SHE FROZE HER CARD FOR THE PROTECTION OF WRONGFUL USE OF HER CREDIT CARD. NO RECOGNITION THAT THIS CONSUMER FIRST PAYMENT WAS NOT THE MINUIM PAYMENT VUT RATHER {$100.00} ( 3-4 times over the minimum amount ) THAT WAS DUE THE MONTH OF XXXX.
This Consumer feels that Consumer 's DO NOT HAVE TO PAY WITH CONSUMER 'S DATA PLANS FOR CAPITAL ONE 'S ABUSIVE CONSTANT ADVERTISING OF OTHER CAPITAL ONE 'S SERVICES. THESE SERVICES BELONG TO CAPITAL ONE 'S BUSINESS EXPENSIVE OF BEING IN THEIR BUSINESS COSTS OF ADVERTISING NOT DELEGATING THEIR BUSINESS CHOICE OF ADVERTISING TO THE CONSUMER.
This Consumer feels is due 1 Stock Certificate from Capital One, cause she is paying for Capital One 's business Expensive 's and Considered a Stock Member of Capital One.
CONSUMER WANTS TO HEAR WHAT CAPITAL ONE HAS TO SAY FOR THEMSELVES. DO NOT RESPOND " APOLOGIZE FOR THIS CONSUMER 'S INCONVENIENCE '' THIS IS CONSUMER " BASHING '' AND A " DIRECT AGGRESSIVE ASSAULT ON CONSUMER 'S '' CAPITAL ONE IS HEREBY NOTIFIED THAT CONSUMER 'S INCOME THAT PAYS CAPITAL ONE 'S MONTHLY PAYMENTS AS PREVIOUSLY AGREED UPON IS PROTECTED UBDER [ [ 42 U.S.C. 407 ] SOICAL SECURITY ACT sec. 207 GREED SENDS A MESSAGE TO CONSUMER'S- CREDIT CARD INSTITUTIONS FORCES CONSUMER TO PAY CASH. CONSUMER 'S WILL TURN AWAY FROM CREDIT INSTITUTIONS CREDIT FINANCIAL INSTITUTIONS WILL NOT MAKE PROFITS OFF THE CONSUMER 'S PAYING YOUR INTEREST RATES! SO THUS CAPITAL ONE 'S COMPANIES WILL CRASH. RIGHT?
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09/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CAPITAL ONE CREDIT CARD IS CLAIMING I OWE THEM XXXX AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND MID XXXX DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. WHEN I HAD SOME CHARGING ISSUES ON THE DEBIT CARD I HAD PLUS CHECKING ACCOUNT REGARDING XXXX, IT CREATED A PROBLEM OF THE CABLE COMPANY TAKING EXTRA OUT WHICH WASN'T THE AGREEMENT, CLOSED OUT THAT CHECKING ACCOUNT TO PREVENT ANY FURTHER MISHAPS, BECAUSE THIS WAS SHORTENING MY BALANCE TO PAY OTHER BILLS SUCH AS THE CREDIT CARD BALANCE OF CAPITAL ONE. I OPENED UP A 2ND CHECKING ACCOUNT IN HOPES THIS WOULD CLEAR A PATH TO GET THINGS PAID AND CLEARED UP, THE ACCOUNT NUMBER WAS XXXX ( CHECKING ) HOWEVER THAT TOO WAS MISHANDLED WHEN CAPITAL ONE DEPOSITED MY DIRECT PAY INTO THE OLD ACCOUNT WHICH WAS TO BE CLOSED TO PREVENT XXXX FROM ENTERING.
SO ALONG WITH ALL THIS 3 1/2 MONTH RUN AROUND THIS COMPANY DID, ACCORDING TO THEM I OWE XXXX ON THE SUPPOSEDLY CHECKING ACCOUNT CLOSED ENDING IN XXXX, KEPT CALLING THIS PLACE TO GET A PHYSICAL ADDRESS TO MAIL IN A MONEY ORDER, GOT THE RUN AROUND, ON XX/XX/2020 I CALLED THEM AGAIN, THIS TIME A SUPERVISOR SAID SHE WOULD STOP THE EMAILS COMING TO ME ASKING ME TO PAY, I KEPT EXPLAINING TO HER, WE ARE IN A HUGE CAMPAIGN DEBATE FOR A NEW PRESIDENT, AND THIS IS A OPEN WAR AREA FOR HACKERS TO START EMAILING PEOPLE CLAIMING TO BE THOSE OF A BUSINESS ETC XXXX FTC AND OTHERS HAVE PUT OUT WARNINGS NOT TO ANSWER SUCH EMAILS OR SEND MONEY, WHICH I CERTAINLY WASNT GOING TOO. WELL TODAY XX/XX/2020 I GET ANOTHER EMAIL FROM SUPPOSEDLY CAPITAL ONE CLAIMING TO LOG INTO MY ACCOUNT? AND MAKE A PAYMENT? NOW I AM REALLY ANGRY. SPENT 4 HOURS ON THE PHONE CALLING CAPITAL ONE TRYING TO GET TO THE BOTTOM OF THESE CLAIMS, ALL I GOT FROM DIFFERENT PEOPLE WHO CLAIMED TO BE COLLECTIONS, WAS " THIS IS SO AND SO AND YOUR ON A RECORDED LINE '', SO WHAT I AM RECORDING ALSO ON MY PHONE. I TRIED TO FIND OUT THE PHYSICAL ADDRESS TO SEND PAYOFF FOR THE CREDIT CARD THEY CLAIM I HAVE AN UNPAID BALANCE, THE WOMAN DIDNT GIVE IT TO ME, I AM SCREAMING AT THIS POINT, AS I HAVE A HECTIC SCHEDULE AND DON'T HAVE TIME FOR THESE GAMES AND INSUBORDINATION THIS BUSINESS HAS PROVIDED.
THIS LADY CLAIMED I NOW HAVE A BALANCE PENDING OF {$390.00} ON MY CLOSED CREDIT CARD? NO WAY, IT WAS ONLY XXXX WHEN IT WAS CLOSED BACK IN XXXX. SO SHE BECAME INSUBORDINATE AND WOULDN'T ANSWER HOW TO GET THE THIS CHECKING ACCOUNT UNPAID PAYMENT OF XXXX PAID. SO THIS LEAD ME TO CALL THEM BACK AGAIN, I MUST OF WENT THROUGH 4 DIFFERENT PEOPLE IN 2 HOURS BEFORE I GOT ANY ANSWERS.
I TOLD THEM ALL, THIS IS XXXX TO TRUMP UP THESE CHARGES WHEN I HAVE ASKED FOR A STATEMENT TO BE MAILED STATING THESE FEES AND CHARGES SO I COULD SEND A MONEY ORDER IN TO CLEAR IT ALL UP.
FOR 3 MONTHS CAPITAL ONE STALLED SENDING ME ANYTHING.
THIS HAS TO STOP NOW, ENOUGH OF THIS ROBBING PEOPLE OUT OF RETALIATION BECAUSE THEY LOST A CLIENT, HAD THEY DONE THE JOB RIGHT AS ASKED, NONE OF THIS WOULD BE HAPPENING.
NOW CFPB, I HAVE CONTACTED YOU ON THIS BEFORE, AND YOU CLOSED THE ACCOUNT AFTER A PERSON RESPONDED TO THE COMPLAIN EXPLAINING THE SITUATION, THIS IS FAR FROM OVER. IF I HAVE TO SEND A REPORT TO THE FTC OF YOUR MISHANDLING AND NOT MAKING SURE THIS IS DEALT WITH PROPERLY I WILL, AND IF I HAVE TO GET THE NEWS INVOLVED I WILL, YOUR NOT ASSISTING A CITIZEN OR CONSUMER WHEN YOU HALF WAY HANDLE A COMPLAINT. FEDERAL OR NOT, THE CONSUMERS OF THE UNITED STATES SHOULD NOT BE PLAYED AS GIMMICKS FOR OTHER PEOPLES FINANCIAL PLEASURE. YALL NEED TO BACK UP THAT BRONCO PONY AND TAKE A GOOD LOOK AT THE BIG PICTURE WHAT IS GOING ON, ALLOT OF FRAUDULENT DEALINGS AND ITS RUINING MANY GOOD PEOPLE WHO DONT DESERVE THIS TREATMENT. THIS IS HOW YOU LOOSE TRUST!
NOW I AM NOT PAYING THE CREDIT CARD BALANCE OF XXXX CAUSE I DONT OWE NO XXXX, IT WAS XXXX WHEN IT WAS CLOSED, I AM NOT ASKING I AM DEMANDING THAT BE WAIVERD BECAUSE HAD THEY SENT ME THE STATEMENT IN THE USPS WHAT THE BALANCE WAS, I COULD OF HAD THAT PAID AND OUT OF THE WAY, THE SAME APPLIES WITH THE CHECKING ACCOUNT ENDING IN XXXX.
I DONT HAVE THE CREDIT CARD ACCOUNT NUMBER OR ANY OTHER STATEMENTS, THOSE WERE ALL ELECTRONICALLY SENT ON THEIR SITE.
SO I AM ASKING THAT I HAVE 1 DIRECT ADDRESS TO SEND 1 PAYMENT OF XXXX TO TAKE CARE OF ALL AND BE DONE WITH THIS MESS ONCE AND FOR ALL. I DONT WANT TO HEAR OR READ ANY MORE CAPITAL ONE XXXX ANY MORE.
MY XXXX XXXX XXXX XXXX, XXXX MN, XXXX IT WILL BE OPEN FOR A FEW MORE DAYS, BEFORE I CLOSE OUT, I WILL NOT LEAVE ANY FORWARDING ADDRESS, IM CLEANING THE SLATE AND STARTING A NEW LIFE WITH OUT THE DRAMA OF NEEDY PEOPLE. AM I GETTING MY MESSAGE ACROSS TO YOU OR DO YOU NEED STICK PEOPLE DRAWINGS TO UNDERSTAND?
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09/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/23 I was a victim of Car Break ( Case number XXXXPD XXXX with the XXXX XXXX Texas PD reported on XX/XX/23 ). Due to the numerous items being stolen from2my vehicle ; such as both me and my son ( s ) ( XXXX old ) personal identification cards ( SSN ), financial documents for both my place of residents/banking, my personal driver license, ( 7 ) Credit cards ( one being my sons ) a unlocked XXXX watch, as well as an unlocked laptop which has all my passwords saved on it. As the week would progress I would later learn I lost access to my personal accounts and encountered several compromised work related accounts and financial accounts resulting in Identity theft ( Case XXXX XXXX With XXXX XXXX Texas PD ) and multitude of fraudulent transaction with multiple financial institutions and many attempts to further compromise me. I had to work with many financial institutions ( XXXX, XXXX, XXXX ) to regain access to my accounts. Along with XXXX to recovery both personal and business accounts as my laptop was stolen my password were changed and I could not access my accounts, as well as XXXX to release my XXXX ID as it had been taking over and compromised in order to stop my phone from releasing secured links and codes to a forward device ( Case XXXX ) .Between my institutions I had to dispute over 73 transaction due to fraudulent activity a total of 24 transaction belonging to Capitol One between 23 my previous card ( XXXX ) and 1 transaction my sons ( XXXX ) that went through along with numerous others that were attempted by an individual ( s ) utilizing my capitol one stolen Credit card ( s ). I expressed to capitol one that I was compromised along with several other institutions I informed them that on the account in question with the 2 cards associated it was an account only used for XXXX payments and nothing else for over 8+ mo and none of the transactions associated with the account were authorized. I came to understand my account was compromised password changed and email address changed to an email address not associated with me or my ( XXXX XXXX XXXX son ) who could not have one. I would over the weeks have many calls to Capitol one for further explanation on the situation and insure clarity where I was questioned on why I as the account holder was I in possession of the authorized users credit card for my account, where I had to explain it was my sons allowance card and he was not old enough to hold it. I was questioned in a condensing way where instead of being the victim of a nightmare of a situation I was the suspect. Furthermore I called to receive understanding on why I was charged interests on transaction credited and not authorized by me. When 2wks prior I had paid my balance in full which is when they would respond by saying that a credit was given of {$91.00} when in fact it was a purchase adjustment for a fraudulent charge not an interest reimbursement. I later paid the full balance of the account as they investigated the other transactions. Which was recently updated on ( XX/XX/23 ) Where it stated " I had them open up an investigation due to fraudulent activity, when they have found insufficient evidence in support of fraud and information discovered supported that I or an account user benefitted from the transactions. When In fact my son is not old enough to make any purchases on his own let alone read or have access to a device and I did not benefit at all from any transactions. I have made it a point not to utilize this account for anything other than XXXX as a bill account. This has been a traumatic experience for me as well as scary for my younger son as I do not hope nor wish he continues to have trouble as he grows. I have had little to no support but concerning allegations. I have been a victim of not only car burglary but identity theft for me and my son. This institution has disregarded my statements and calls. Where I stated accounts were opened in my name fraudulently and my sons in attempt to impersonate and make transactions and access funds through credit card companies and banks under our identity, As well my banking institution and XXXX and XXXX Id accounts compromised and passwords changed and accessed. I have reached out to merchants where they have stated address that are not my billing address or home address nor my email address that was compromised but a mix of ( name, emails, and addresses that are not mine or my XXXX old sons ) as well as accounts and emails that have been attempted in our names. This institution has left a bad taste as a consumer with them and I have never in the XXXX I have been with them had issues until now.
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03/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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My Venture Card was expiring, so Capital One mailed new cards to my wife and myself. The cards had not arrived after 45 days, so I called and reported that they were probably lost in the mail. I sent a copy of my passport as my drivers ' license had expired to the credit card department. As it turns out, they sent the passport to the security division which is also the fraud division as well. They blocked the card for security, but before mailing me a new one they wanted proof of my identity. My passport, expired drivers liscence, and having multiple accounts with all the accumulated data was not enough In looking at my credit report, my credit score is over 700 and good credit with all companies, however Capital One has been making inquires on my account about every 4 months. This is problematic. I have had contact with Capital one since XXXX and have other accounts as well with them. I continue to pay on all accounts each month and can provide info on payments etc.. All use the same identifying information -- address, social security number, date of birth etc. I am still waiting for my card.
Recently I received a email from Capital One Visa informing me that my credit limit was being raised because of my good payment history. Are there separate divisions for Visa and Venture Cards that do not share info and that operate under different rules. I am very happy with their response, but I. still wish to receive my Venture Card. I now have multiple cards for my wife and myself that are unusuable.
Re : XXXX XXXX XXXX, your credit line increased to {$4300.00} XXXX XXXX Sat XX/XX/XXXX XXXXXXXX XXXX _XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Capital One XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : XXXX XXXX XXXX XXXX your credit line increased to {$4300.00} Nice job! Your new credit line is {$4300.00}!
Heres a high-five to your responsible credit-building journey. We have increased your credit line for your account ending in XXXX from {$2300.00} to {$4300.00}.
Why did I get a higher limit?
We increased your credit line based on several factors including the way youve managed your account.
Did Capital One do a hard pull on my credit to make this decision?
No, Capital One used soft inquiries, which had no impact on your credit score. Check out this article to learn more.
How could this credit line increase impact my credit score?
Check XXXX from Capital One to see how your credit line increase may impact your credit score. Plus, get free personalized suggestions and alerts to help improve your score.
Dont want your credit line increase?
Just call XXXX ( XXXX ), and well reset your credit line back to its previous limit.
Keep up the good work and thanks for choosing Capital One.
About this message The site may be unavailable during normal maintenance or due to unforeseen circumstances.
Where does my XXXX score come from?
Your XXXX score is calculated using the XXXX XXXX XXXX model, which is one of many credit scoring models. It may not be the same model your lender uses, but it is an accurate measure of your credit health. The availability of the XXXX tool depends on our ability to obtain your credit history from XXXX. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at ( or you do not have a file at ) one or more consumer reporting agencies. Alerts are based on changes to your XXXX and XXXX credit reports and information we find on the dark web.
The XXXX XXXX provides an estimate of your score change and does not guarantee how your score may change.
Important information from Capital One Contact us | Privacy | Help prevent fraud To ensure delivery, add XXXX to your address book.
This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted.
Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.
Please do not reply to this message, as this email inbox is not monitored. To contact us, visit XXXX.
Products and services are offered by Capital One, N.A.
XXXX Capital One. Capital One is a federally registered service mark.
XXXX XXXX XXXXXXXX XXXX
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12/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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XX/XX/2021 I called in to see why a bill payment would not go through and was immediately transferred to the fraud department.
The respondent on the phone was unwilling to provide me ANY information.
I noticed both of my credit card accounts with Capital One were frozen.
The agent spoke to me in an accusatory manner and was unwilling to release any information, telling me I would receive a call back in 3 days.
XX/XX/2021 I received a call from a supposed case XXXX assigned to my case.
I requested a supervisor from the case XXXX assigned, and I'm pretty sure I was toyed with as they provided me another associate named XXXX in place of a XXXX
Neither the initial female who spoke to me on the phone nor XXXX were willing to provide me a reason as to WHY my accounts were frozen, or WHY this sensitive information was being requested.
I requested they send me the portal link to my email address on file, and they said NO.
They said that I must supply them an email address where they will send the upload portal to.
I noted I WAS CONCERNED ABOUT FRAUD and my safety, asking they send the portal to the email they have on file for me.
They were UNWILLING, forcing ME to provide THEM with an email address where they would then request my very personal info.
I was provided a portal to upload my driver license front and back, social security card front and back, and proof of residence ( the card in question is a business card, why did a proof of residence need to be provided? ).
I voiced my concern in providing such personal details, pleaded to be provided a reason for WHY, and was told " all will be explained to you after these documents are received ''.
I said that as a result of this treatment, I want to CLOSE MY ACCOUNTS.
I asked whether there would be any consequence to simply closing my accounts as opposed to providing this personal information, and WAS NOT PROVIDED AN ANSWER! " I don't know '' I clearly stated that I have no interest doing business with this company moving forward, and would rather close the accounts.
I asked if this would have any negative consequences, to which the " supervisor '' on the phone told me they " don't know ''.
I requested someone that DOES know, and was told NO, I must supply the documents.
Against my better judgment and concern for providing such personal information without a reason WHY, I uploaded photos of everything requested.
XX/XX/2021 I receive a call from the assigned case XXXX, telling me that the photos I provided were insufficient.
She complained that all information was present on two photos and the requested XXXX bill, and that I must upload an individual photo for each document.
I explained the photos are high resolution and all information is visible.
The case XXXX was again EXTREMELY blase and rude to me. " We are NOT going to cut this photo up and you're going upload the documents again ''.
Disgusting and unwarranted, and especially so when put in context.
I conceded, and proceeded to upload all documents, individually, into a new portal link.
I was told that my case XXXX already spoke to XXXX and that next, I must have the owner of the building to which the bill was addressed present on the phone with me to clear this freeze. ( what??? ) I explained the property is owned by an XXXX, and was told no, they want the INDIVIDUAL who owns the property.
Why is the property owner related to the freeze? They would not answer.
XX/XX/2021 I call in with the owner of the property in question as requested, ready to clear up this freeze.
I speak to a kind agent near XXXX, who vindicates that she would also be upset if she were in my position.
I am told that my account does not require the owner of the XXXX present, and that I was provided the WRONG INFORMATION BY MY CASE XXXX.
I am then told that Capital One requires reaching out to XXXX on the phone to confirm the bill as legitimate.
I request we call them right then and there, in order to CLEAR THIS UP.
The agent on the line calls XXXX, and then patches me into the line.
I provide all requested information to XXXX to prove the validity of the bill.
The agent thanks me, tells me nothing else is required to unfreeze the account, and says that now I must wait for the account to be unfrozen within the next 3 days at most.
XX/XX/XXXX I call in, inquiring why my account is still frozen. I speak to an agent XXXX, XXXX # XXXX, who is unable to provide me any information as to why my account is still frozen.
I request a supervisor, but am told no supervisor is currently available.
I am told I have to simply wait for a call back.
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12/15/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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Please go to XXXX and look at my review that says do not use and then look at all the other complaints about Capital One holding people 's money not allowing us to have access to our money. When accounts are closed they don't release the money... They told me that I can't wire or use the money that I deposited in my account for XXXX to XXXX days .... Even though they're risk department verified with my initiating bank that the funds were released the prior week and the funds are good. They are XXXX. I closed my checking account first after I was sent from ATM to ATM to ATM when I tried to withdraw some money from my account every time having to get a Capital One rep on the phone and then doing all kinds of things and I still couldn't access my account so they tell me to go to another one. Even went so far as to get a manager who told me that there must be something wrong with my debit card. Later that day. Capital One risk called to verify my deposit that was already cleared the prior week that came from my own bank account at another institution that came from an XXXXXXXX XXXX XXXX XXXX So there is an entire XXXX XXXX. Easy to follow to show it's legit. The risk rep got my initiating bank on the phone that repeated to them several times at the money was released the Friday before and should not be being held by them .... I still can not use our access my money from my savings account which has over XXXX in it for my loan ... And the checking account that I closed still has not had the money transferred back to my other bank. Capital One is XXXX with regards to their banking division. They irrationally hold consumers funds for a irrational length of time and put consumers in stressful nightmares affecting everything in our lives. I understand if there's concern about a wire that might come in or fraud somewhere but when it came directly from my own bank account and could be verified and was verified by my other financial, This is less than a means for XXXX XXXX to make a lot of money off a consumer 's money as long as they can before they release it so consumers can use our own money. They are XXXX. How is this? Not illegal what they are doing. Go on XXXX please and see how many other XXXX XXXX banking customers have ended up in the same situation. I am XXXX XXXX XXXX and never in my life. Have I had a bank that I open an account with and deposit money in that has been in there and has cleared not allow me to touch her. Use my money for XXXX to XXXX days. That's absurd. And how is that not illegal. I want my money released please. I even got another manager yesterday morning first thing to close my checking account that has XXXX in it. He supposedly did it over the phone and I told him I wanted it wired back to my bank account because that goes within a day. He told me it can not be wired for XXXX to 60 days .... But I could do a transfer from Capital One that would take XXXX to 3 days. That makes no sense, correct? If I can get the money out XXXX way why can't I get it out another way! And, my account still is not closed and they did not even begin to transfer that money back! I want my money out of Capital One ASAP please. Somebody needs to go after them and find them or put the XXXX XXXX out of business. I've never had a problem with a credit card XXXX. The XXXX XXXX in my mind is committing a lot of fraud with consumers money. It's causing consumers a lot of financial detriment and life stress and it's just wrong. It's just wrong that we can't access money that has been cleared for XXXX to 60 days when it is our money. XXXX XXXX is merely using it to make more money for themselves. They're really making that tactic so they can hold money longer and every day they hold money longer for each person. They are in that much more interest on it to make more money for the big wigs up topXXXX XXXX XXXX XXXX Please help me get my money released in back in my bank account at XXXX XXXX XXXX and help me get my account closed with XXXX XXXX please. They should be paying consumers that they put through this stuff. Some sort of restitution for the pain and suffering and turmoil they put us in. My time has value. I need that money to manage my life and they're so XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can a bank not close an account the day their instructed to do so? And how can a bank hold on to somebody's cleared money for XXXX to XXXX days and not allow consumers access to our own money??! and they still have not initiated the closure to my savings account that the manager that I made sure I got a manager supposedly did the morning of XX/XX/XXXX.
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12/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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My email address is at MAIL dot com, and NOT XXXX XXXX XXXX. To whom it may concern, this is a follow-up complaint because Kohls has made a point of doing very thin and hardly helpful due diligence in investigating my issue, and their response is completely falsified because dates are important. On XX/XX/2020 [ THAT'S RIGHT! I RECEIVED THIS EMAIL NOT THE XXXX, BUT ON THE XXXX, AS YOU CAN SEE! ] XXXX XXXX I received an email stating " Your Kohls.com account has been updated ''. This is disturbing because I had NOT changed my email but had been on web chat with a Kohls support person who had changed it illegally! The message therein stated, " Hi, B [ ] y. You recently updated your Email Address to XXXX XXXX and we want to let you know we've modified your Kohls.com account accordingly. '' That was an ILLEGAL CHANGE, and judging by the date of the email received, this means the illegal change to my email was made on the XXXX, NOT THE XXXX. Look at the time stamp!! If you honestly think my email was changed on the XXXX, you are paternalizing me as if I did not know how to use my own eyes to read my account information as it was displayed ON MY COMPUTER SCREEN during my interaction with Grace on the XXXX before she illegally changed it to XXXX, as well as the XXXX presuming I don't know why or when a one-time passcode was sent to me on the XXXX - and it was sent to my CORRECT address at XXXX and it had NOTHING to do with my email address, but merely an update to my password. My email was still accurate on the morning of the XXXX, because I know how to read and was looking directly at my CORRECT email address on the screen during my interaction with XXXX. I submitted a complaint with CFPB regarding a woman at Kohls customer support, XXXX, who illegally changed my email to a XXXX account on that day, XX/XX/XXXX. The response made by Kohls in regards to my original complaint stated that the email was changed on the XXXX because he saw they generated a one-time passcode, a passcode ACCESSED BY MY ACCURATE INFO - WHICH IS A XXXX ADDRESS, NOT A XXXX ADDRESS, so your " executive '' who investigated my complaint is wholly inept. That passcode had NOTHING TO DO WITH MY EMAIL, AND IT WAS QUITE OBVIOUSLY SENT TO MY CORRECT EMAIL ADDRESS AND NOT TO AN INCORRECT EMAIL ADDRESS ON THAT DATE. I have the screenshots and emails to PROVE THIS. The only OTP generated that day he alleges a change, the XXXX, was merely my old password ( or what I had believed to be my old password ) was NOT working on the XXXX, so I generated a OTP to correct this error and it had NOTHING to do with an email change - which was sent to XXXX XXXX XXXX, NOT XXXX XXXX XXXX, and just as another FYI - because this executive Kohls man literally thinks it is okay to lie when responding to customer complaints, I updated my password at that time and there was NO change made to my email in any way whatsoever on the XXXX, and none of the emails I received from Kohls at that time refer to any changes, and in fact my account management screen appropriately displayed my CORRECT email address ON THE XXXX, PRIOR TO AND DURING THE TIME I was web-chatting with Grace from Kohls who, yes, illegally changed my information AT THAT TIME. I was LOOKING at my screen when I informed her of my email address, looking directly at my CORRECT INFO prior to talking with her. I know BECAUSE of my own eyes AND my emails that were received on the XXXX that my email was still accurate, and the emails I have at my XXXX XXXX XXXX ACCOUNT are all appearing appropriately on the XXXX prior to my interaction with XXXX, contrary to the lies of the executive who responded to my original complaint. So, in this executive 's flippant disregard for the information actually contained in the passcode information, is what I have in my email from Kohls on the XXXX, a one-time passcode sent to me and NOT an update to my email. In fact, the illegal email changed by a Kohls credit card employee, was made on the XXXX per the email I received because the alert that my email had been changed to an email I do not own was sent to me on the XXXX.
IF, and this is a BIG IF, Kohls thinks my email was changed on the XXXX, then WHY WOULD I NOT RECEIVE AN EMAIL ALERT ON THE XXXX? That is NOT what happened, because the OTP on the XXXX was for a password reset and NOT an email update. Who do you think you are, Kohls? I again used my own eyes and saw the correct email displayed on the screen in front of me when I was logged into my account chatting with XXXX as she bold-faced lied about what email she typed in in pulling up my account and changed it to cover her own behind.
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10/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Account # XXXX Re Case # XXXX & # XXXX & # XXXX Amount : {$2500.00} Bought on XXXX They were delivered XXXX Disputed with merchant XXXX Hello, I am writing because Capital one Bank will not dispute the charge that I have asked them to dispute and find in my favor.
I had bought some masks online from XXXX that were described as XXXX XXXX XXXX. When I got the masks I seen that they looked nothing like the pictures of the listing online. And they were in fact counterfeit. I asked the FDA about the masks and they said no medical Masks or equipment can use the FDA logo on them. That was the first real giveaway that they were counterfeit. I contacted XXXX which is a XXXX company that allows 3rd party sellers to list things for sale on their website. All of the 3rd party sellers are XXXX also.
XXXX said that they could not see any difference in the pictures I sent of the masks I received and the pictures from the website listing. So they declined to return the money. Not really surprised since the XXXX do this a lot for their people. On XXXX they have a, Money Back Guarantee and a, Free returns Listed on the website. Which they did not honor.
I then contacted Capital one my credit card company to do a dispute the charge as, not as described. Gave them all my information with screen shots showing the masks advertised and pictures of the masks I received. I also sent website screen shots of the FDAs website where it shows what is required to be stamped on the masks to be a XXXX mask.
The masks I received were completely white with no stamp markings at all. The screen shot of the listing shows it with the words stamped, XXXX FDA CE and certification number. Which are fake. The ones sent to me have nothing on them at all!!!!
Capital one denied the clam right away. And sent me the letters from the merchant that showed nothing address that the masks were fake XXXX masks. But instead just a screen shot of the transaction. And a not even filled out paper work from capital one. That was XX/XX/XXXX. On XX/XX/XXXX I responded back to capital one that they need to issue me a refund since I am a merchant also ( 17 years ). I know that the credit card issuer ( Capital one ) is the one that makes the determination for the dispute. Capital one right away denied the claim again on XXXX XXXX. And were I think capital one is being criminal in their actions is they keep issuing a different case number each time so as to confuse the customer. Also capital one is doing the old insurance scam, deny, deny, deny. To tire the customer out so that they dont keep spending all this time trying to get their money back. Capital one will ask for things that are unobtainable from the customer as to stone wall them.
Example being, A second opinion on company letter head from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost.
Now anyone knows that no other merchant or person is going to waste their time to write you a letter examining these masks or any other product. This is where capital one tries to really stone wall you and get you to accept that you are nothing getting your money back.
I disputed it again with capital one on XXXX and sent even more information from the FDA showing these are counterfeit masks. I then proceed to call on XXXX to be told by XXXX that the disputed was again denied. I asked to be transferred to a manager. He transferred me to XXXX a Fraud Manager who had me on hold for over 1 hour and told me there is nothing he can do for me. I told him this is some scam that Capital one is backing up and allowing fraud.
I told him This will look really bad for capital one trying to force us to take fake XXXX masks and sell them to doctors and nurses. Who would then be exposed to the virus and jeopardize their lives. I want to see if you could help us get the word out to social media and news networks about how capital one is allowing and contributing to this scam.
I should not have to pay this amount back to Capital one. And this should never be allowed to be reported on my credit report. This is overwhelmingly a counterfeit XXXX mask and not as described credit card charge which Capital one should decide in my favor. I shouldnt have to write my XXXX or Attorney General, or any other government oversight entity to force Capital one to do what they are suppose to do. Protect the Card holder and the America People from getting scammed. They are supposed to protect the nation 's financial infrastructure and payment systems.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
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06/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
CapitalOne erroneously froze my account, without authorization, and reversed an ACH, costing me {$30.00} fee for the reversal. Since there was NEVER any fraud or issue XXXX except in Capitalone 's imagination ) they ( eventually ) unfroze the accounts, but only after days of messing things up.
DETAILS : On XXXX XXXX I initiated an ACH from CapitalOne to XXXX XXXX, which went through, and XXXX executed trades as instructed.
On XXXX XXXX CapitalOne, with NO warning nor notice nor authorization reversed the ACH.
on XXXX XXXX XXXX charged their prescribed {$30.00} ACH reversal fee -- Due ENTIRELY to CapitalOne 's error/incompetence/unauthorized action.
Research showed that my father, who is a joint owner of the account I used, initiated a ACH from a COMPLETELY DIFFERENT account of HIS, which CapitalOne also INEXCUSIBLY reversed without notice to him, froze ALL accounst associated with him including MINE ( jonit with him ), and FAILED to notify any of us!
After multiple calls and 20-30+min hold times per call, totaling HOURS on the phone, my father was able to determine that the problem was that CapitalOne randomly decided that the ACH my father initiated ( again, this was from a COMPLELY DIFFERENT account than mine ) MIGHT be suspect so, with NO NOTICE or warning they IMMEDIATELY reversed ALL transactions associated with my father, including on completely different accounts like my joint account with him. This resulted in a {$30.00} fee from XXXX XXXX. That fee is clearly the responsibility of Capital One, and their ridiculous and inexcusable actions.
Even after my father got through ( hours on hold ) and CapitalOne agreed teh transaction was legitimate and claimed they had unfrozen the accounts, it turns out they had NOT unfrozen them. He had to go through the whole calling and waiting AGAIN for them to say, " oops.. it was not actually unfrozen like we told you, but no we will fix it for real this time '' Remember this was NOT insufficient funds and was NOT due to ANYTHING we did as customers, but only CapitalOne 's INSANE policy of reversing ACH on a whim with NO NOTICE and freezing EVERY account, even of other customers. WHY?!?!?! They could have acted responsibly -- like a competent bank should -- and contacted me or my father to investigate BEFORE reversing/freezing. Even a text message or alert on their app ( like they do for literally every card purchase ) saying " call immediately '' would have helped. Instead they irresponsibly REVERSED all ACH transactions and sent off an email the next business day, with total disregard for teh damage this woudl cause consumers. What sort of lunacy prompts a bank to REVERSE already COMPLETED ACH transactions with no notice, freeze multiple accounts without contacting anyone, and even XXXX up the un-freezing until customer calls AGAIN?!?!?!
Remember, this was NOT a problem with NSF ; Was NOT a problem with ANY customer action. In fact, my father 's ( totally different account ) ACH order that seems to have so confused CapitalOne, was to an external account he had regularly transferred $ XXXX to/from multiple times and had explicitly verified with CapitalOne as an appropriately linked account. The ONLY thing that caused this consumer harm was CapitalOne deciding, on their own, for no particular reason we can find or policy they can point to, to freeze multiple accounts of multiple customers, with no notice, and reverse ACH transactions, with total disregard for the impact on customers. As soon as CapitalOne actually took the time to get the information, they immediately saw the transactions were completely legitimate all along. So WHY damage customers instead of responsibly notifying them BEFORE doing financial harm?!?!?
CFPB must protect consumers by shutting down this sort of horrid action by Capital one. Thankfully, the only loss ( so far ) to my family was this {$30.00} fee from XXXX XXXX DIRECTLY CAUSED by CaptitalOne 's inexcusable actions and disregard for proper procedure and consumer protection. I hate to think about what a mess it could have caused had my siblings, who also have joint accounts with my father, had they needed money on short notice during Capitalone 's mad days of blocking all our funds XXXX multiple people, multiple accounts XXXX and reversiong legitimate transfers with no warning nor explanation. I strongly urge CFPB to consider additional punitive measures, beyond merely ordering CapitalOne to pay the {$30.00} damage they caused. If CapitalOne is allowed to continue their carless and harmful ways, who knows what financial damage they will cause the next time to the next consumer.
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07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Throughout the month of XXXX, XXXX, my pleas for redress were met with repeated injury. Nearly every time I contacted Customer Disservice, Capital One 's personnel found some way to abuse me, and treat me like the abuser, while the consequences of their behavior put me in potential danger with all the yelling it caused me ; those same offenders would act as though I yelled on my own volition, as if their misconduct was not and could not be the reason for it. Capital One did not help with my financial hardship until XX/XX/XXXX ; a nullification of that month 's fee preceded my enrollment in Capital One 's Specialty Assistance Program on XX/XX/XXXX.
The last few calls I could muster the following month included feedback concerning the invalidity of charges threatened to me automatically as part of what might as well be a flaw in Capital One 's systems, for which I asked my feedback to be sent to Corporate, given the inherent hazard to consumers protected from such fees. As a consequence of Capital One 's breaches of contracts and mockery of its claims to social responsibility ( i.e., its commitment to accessibility, while abusing whose who need Capital One to take it more seriously than mere compliance with the ADA, while people treat the ADA as an excuse to violate the human rights of people with mental disabilities impairing otherwise normal thinking ), I somehow managed to fall six payments behind, while I have been more-or-less only been paying the interest a given statementperiod states it requires me to. Capital One does not understand financial hardship, such that I can anticipate them responding with lies and deception to the contrary.
I learned the hard way Capital One loves to bully consumers, and call this behavior respectful and professional, just to treat accusers as abusers. Its personnel 's misconduct became a regular occurrence after I enrolled in the Specialty Assistance Program, of which offending Capital One personnel obstructed my discovery, and delayed my enrollment. Since then, the Specialty Assistance Program has failed to protect me from fees Capital One called interest in a XX/XX/XXXX discussion with someone named XXXX, while nominal amounts of interest ( i.e., {$7.00} ) have been all I am required to pay ( according to my statements, which are my only frame of reference for what I owe as a XXXX person suffering harm as a cause and as an effect of misconduct generally ). XXXXXXXX XXXX defense of the fraudulent " interest, '' with which Capital One loves to jeopardizes disadvantaged consumers ' accounts. XXXXXXXX XXXX defense included was unusually flightly, and was typically nonresponsive to my grievances ; XXXX was willing to make me goto the hospital, just to violate to communicate on my ( accessible ) terms, while such intentional and/or negligent inflictions of emotional distress made me vulnerable to such a threatened emergency in the firstplace, and to defense the indefensible. Even an offer to only pay {$25.00} for a fraudulent amount smaller than that amount is at present reflects the fees I am supposed to be protected from, and which XXXX admitted as such, while the " interest '' excuse was made in an attempt to legitimize the fraud.
The preceding was the least Capital One does to avoid responsibility for its misconduct ; I already knew that Capital One abuses consumers regularly, just like any other big business unaware of, or disrespectful toward, its best interests. Given XXXXXXXX XXXX unwillingness to let me contact her supervisor in an accessible manner with prejudice to Capital One 's false claim that it " is committed to providing accessible products and services, '' Capital One deprived me of the right to communicate in an accessible manner. Following an XX/XX/XXXX ( Institutional ) XXXX ( Deny, Attack, Reverse Victim/Offender ) letter falsely portraying ( anyone in Capital One 's ) misconduct as respectful and professional, and my near-lifetime of standing up to bullies as " abusive language '' to anyone but bullies too busy abusing and getting what they give for it for any reasonable person to care, I have since discovered that I am no longer able to access Capital One 's online chat system ; their chatbot, Eno, somehow corroborates this by responding as though to accuse a XXXX person stealing lawfully-owned property, just because that same person is in the exercise of constitutional rights that even Capital One can not touch. Capital One invented this impairment in my ability to communicate with them, as their attempts to violate my right to accessible communication renders their attempted calls as spam.
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04/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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We are writing this formal complaint against XXXX. XXXX has been a loyal credit card customer of CapitalOne for 25+ years. In XXXX, XXXX, the pandemic forced XXXX to lose his job. We have had no income for the past 12+ months. As of this date, we have only received the {$600.00} stimulus payment from the Federal government the initial payment never made it to us, despite us being registered for direct deposit.
In recent years, we have experienced three major upsetting and economically damaging incidents with CapitalOne. The first incident involved bogus charges from XXXX XXXX XXXX to our CapitalOne card in XXXX. We had obtained a quotation from XXXX for along-term vehicle rental. At the end of the rental period, we were charged the amount of the quotation, but XXXX had added several additional charges without any notification or details as to what the charges.
We raised a complaint with CapitalOne regarding the charges, but between wrong mailing addresses, dropped calls, and other hurdles and loopholes, CapitalOne made it extremely difficult to pursue the case. Ultimately, our complaints were tossed aside and CapitalOne allowed XXXX to steal from us.
The second incident involved XXXX rental car in XXXX. This time, XXXX claimed that XXXX damaged the car I had rented, which he had not. XXXX charged our CapitalOne credit card account for what they claimed was the repair bill. XXXX requested a copy of the repair invoice from XXXX and was told that was impossible. He then reported all the facts to Capital One, and once again, after many phone calls and several letters, CapitalOne dropped the case and enabled XXXX to steal from us.
The third issue in in regards to the pandemic. As stated above, on XX/XX/XXXX, XXXX became unemployed. We relied upon CapitalOne to pay for groceries and other necessities. During this time, we remained current on our two accounts and did what we could to continue payments, only to learn that CapitalOne was accepting our money, but was considering the payment delinquent because it did not meet the inflated minimum monthly payment they had requested.
In short, in the middle of a the most devastating global event in modern history, CapitalOne, after taking a substantial bail-out from the federal government, would not allow us to make a token monthly payment so that we could keep out credit rating in good standing. Moreover, because of the token payments we made, were receiving bi-weekly emails harassing us about our accounts being delinquent, all because we paid them {$40.00} and not the greedy amount they wanted us to pay - all when paying {$40.00} was an actual hardship for us.
We consider this behavior to be criminal, unethical, immoral, and uncivil. The conduct and business practices of CapitalOne are at the very heart of the greeddriven, inequitable, and unethical business practices that has driven the decent hardworking people of this country to desperation.
And to add insult to injury, CapitalOnes customer treatment isnt even gutter worthy : an average phone call takes 45 to 60 minutes and re-telling your circumstances to 4 or 5 additional customer service specialists, not to mention dropouts with no call back, inaudible and static-filled phone lines, employees that barely speak and understand English, employees who burp into the telephone, also somehow messing up our mailing address and taking over two months to rectify it, and more.
As stated before, we have been loyal and lawful customers, who are requesting CapitalOne, President Joe Biden, Vice-President Kamala Harris, and the Consumer Financial Protection Bureau to step up to the plate and work with us to successfully resolve this situation, save our credit, fix the illegal transactions, and adjust our accounts for fees and wasting our time. As we all know, many Americans are having similar problems paying their bills with this company and others like them.
The pandemic gives the world, and especially the US the chance to right the wrongs of Republican-driven corporate greed that has strangled the poor and working class since the Nixon Era. Nothing should go back to normal - normal wasnt working - and going back to the way things were means we lost the lesson or were ignoring it - the time to rise up and do better and be human is NOW. Its long over-due for Capital One to step up and do something constructive to help their customers. Its also time for urgent federal intervention and legislation to intervene and humanize and de-criminalize CapitalOne. Complete documentation of our past three years of the CapitalOne nightmare is available upon request.
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12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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I went into XXXX XXXX XXXX on XX/XX/2022 an applied for a credit for a vehicle in good faith an according to federal law it is says in 15 U.S. Code 1691 " activities constituting discrimination ; It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter and I was told that I was denied ''. Pursuant to federal law I know that credit is my right it says so in 15 USC 1602 ( f ) " The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ''. I know that I am the consumer and the original creditor and I know that because it says in 12 U.S. Code 83 " No XXXX XXXX shall make any loan or discount on the security of the shares of its own capital stock. '' It's also stated in 12 U.S. Code 1431 that banks duties are to borrow and give security and pay interest. " Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. '' These are federal laws of congress so by the XXXX XXXX denying me access my own funds is a federal crime an I the consumer can hold the financial institution civilly and criminally liable. It's also unauthorized use and it constitutes fraud in 15 U.S. Code 1602 ( p ) '' The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The device I used to obtain credit is my credit card according to 15 USC 1602 ( l ) " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I know that the card belongs to SSA ( Social Security Administration ) an I the consumer am just a card holder 15 USC 1602 ( n ) " The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. '' I the consumer don't have any obligations to the card it is not my obligation to pay anything associated with my " credit card '' because the issuer of the card is the United States an it says in 18 U.S. Code 8 " The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' I, the applicant truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value to XXXX XXXX, and they pursued to securitize it, in the Federal Reserve Act it states any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The Federal Reserve Act says the application is applying for the funds dollar for dollar so if banks cant give loans where is the money coming? The money is coming from my credit device when I apply for credit, there are no laws stating anything about needing a credit score or that I can be denied because of my credit score, it might be policy of XXXX XXXX but policy does not supersede Federal Law. Based on everything I've stated I know my consumer rights and by the financial institution denying me an extension of my own credit they are in direct violation of my rights as consumer and natural person an I will not hesitate to take action if these violations aren't made right, pursuant to 15 USC 1692k I can hold XXXX XXXX civilly liable and criminally liable as it is stated 15 USC 1611 for all actual damages.
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01/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
I am filing this complaint against Capital One ( the creditor ) related to a charge for {$490.00} on XX/XX/XXXX from XXXX, which was an educational course that was to include downloads and support.
I received the creditors letter dated XX/XX/XXXX on or about XX/XX/XXXX, notifying me that I would be rebilled because my claim lacked the previous requested information.
In my response to the creditor on XX/XX/XXXX, I specifically made them aware that I never received from the merchant what they were requesting : as a sales invoice, purchase agreement or contract.
In the merchants response to my dispute on XX/XX/XXXX, they did not supply to visa or Capital One a sales invoice/purchase agreement or contract. They supplied the language from what is shown right before one makes the online purchase, which is the same information that I supplied the creditor but they did not accept what I presented. I could not provide them with something to support my case that was never provided to me and does not exist.
In their letter dated XX/XX/XXXX, the creditor stated that the merchant provided documentation to support the transaction. However, in their signed correspondence dated XX/XX/XXXX the merchant alleges that I enrolled on XX/XX/XXXX, which is not true. I purchased the course on XX/XX/XXXX.
Next the merchant says that I received everything and that downloaded some of the content. This is a lie and I documented to the creditor that although the merchant showed some downloads and an email to me that I received the skip traces, I did not.
Additionally, I was to receive email support and a strategy call from the owner XXXX XXXX, however, I did not. Consistently I showed the creditor that these were to be included in the purchase, but they failed to require to the merchant to produce evidence that they provided me with this and the creditor supported the transaction anyway.
I supplied the merchant with plenty of documentation showing slides from the merchants pre-sales presentation to support what was to be expected by me from purchasing the course and the support that t I did not receive.
The creditor also in their letter dated XX/XX/XXXX, that was received by me on or about XX/XX/XXXX, made a very unusual request of me that I must supply a 2nd opinion of on the company letterhead of a merchant in the same field that states how the service was defective or did not match the description my sales invoice. Upon receipt of this letter, I immediately called the creditor and requested an extension/leniency related to the date of submission ( XX/XX/XXXX ) for the second opinion due to the upcoming holiday season that would begin the next business day.
Since the conversations are recorded, there should be a record of this and the fact that I called several times with within a course of a day or two for assistance. In one of the calls I understood the creditor to say that I had more time despite the date in the letter and that I could submit online communications from similar merchants to support my claim. As a result of the very limited time frames and in order to meet the deadline, despite verbally requesting an extension to supply this evidence I had no other choice but to research and seek assistance from similar merchant 2nd opinions who had XXXX presence.
To submit the requested information timely, I approached all the similar merchants that I could find on XXXX, asking them how their program was different from what I purchased from XXXX XXXX, letting the know that I did not receive what the course said that I should. I supplied their responses to the creditor and I even supplied a XXXX communication from a prior student where he stated that he received the strategy call that did not. But the creditor did not review or consider my evidence to support my claim, thereby rebilling me for services that I did not receive from the merchant who has engaged in dishonest practices.
They creditor required me to produce an unusual 2nd opinion during the holiday season and despite seeking leniency in my submission date I was not granted that time. The creditor only relied on the initial response from the merchant which started off with a lie.
I, as a consumer should not be required and forced to pay for goods that I did not receive. In all of my correspondence to the creditor, I made them aware and supplied them with a copy to the Merchants Terms of Service which did not provide me with the right to cancel or return the material or ask for a refund therefore the creditors request that I produce such documentation is unfair, unreasonable and unwarranted.
|
06/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
|
I lost my job due to no fault of my own and my unemployment ended a month before I was able to find even a part time job, so of course my credit cards fell behind by a couple of payments. Because I am twice widowed, have no financial help savings and investments and have XXXX a month in bills, only bringing home XXXX a week or less in income and my employer will not allow me to work overtime or a second job, can not pay anything until I have it to pay. Capital One is now adding extra fees and breaking the FDCPA laws by harassing me by phone and email numerous times a day when I have told them 3 times to " cease and desist '' all phone and email communications and only contact me by mail and have also filed a complaint with the FTC in writing which they ignored and then sent XXXX emails and called me today again!!! Their kind think they are above the laws!!! Please enforce the laws on them!!! Complaint I filed with FTC and emails Cap one sent after phone number and time of most recent call below ; Complaint to FTC Do Not Call about Cap 1 c/c calls. XXXX XXXX / XXXX / XXXX This number XXXX is continuing to call and harass me after I lost my job and so fell behind on a couple of payments. I contacted the company and told them I would make a payment as soon as I am able to and to not call me by phone, only mail, as I only have a prepaid phone which only has XXXX minutes left on it and I need them for emergency, son and XXXX XXXX and old parents in their XXXX 's!! They are using my minutes with their calls. So please pass this " XXXX and XXXX '' on to them for me, can only contact me by mail and I will pay as I can. If I receive any more calls or emails will also file complaints with IL Attorney General and CFPB!! Call today XXXX / XXXX / XXXX from XXXX with message at XXXX . XXXX emails received XXXX / XXXX / XXXX within minutes of each other, have saved if you need copies ; XXXX / XXXX / XXXX XXXX ( XXXX email ) Unfortunately, we are unable to provide you access to our online banking system. XXXX This is normally caused by XXXX of the following : Multiple failed login attempts Inaccurate account information Unusual account activity Login from an unrecognised device Please login to your account by clicking the link below which will allow you to restore full access. Untill you do so you will not be able to access any of our online banking features. Login to get Started We apologise for the inconvenience this may have caused however this is a security feature designed to protect your details and should only take a few minutes to complete. XXXX Your Capital One Team XXXX / XXXX / XXXX XXXX am ( XXXX email ) You have payment options to bring your account up to date. XXXX Re : Your account ending in XXXX XXXX XXXX , We understand things happen, and its easy to fall behind on payments. Were here to help. Take a look at some of your options : To bring your account up to date, make your minimum payment of {$190.00} by XXXX XXXX , XXXX . If you cant quite make that payment, you can make a lower payment amount of {$63.00} by XXXX XXXX , XXXX . This amount wont bring your account up to date at this time, but it will prevent your account from becoming more past due. We also have flexible payment options that let you split payments up over a few months. To find out more, please give us a call at XXXX and have XXXX ID XXXX ready so an agent can serve you more quickly. XXXX XXXX Free Ways to Pay : PAY ONLINE Sign in to your account. XXXX CALL XXXX XXXX : XXXX XXXX p.m. XXXX XXXX : XXXX XXXX p.m. ET SEND A CHECK Capital One Services, XXXX XXXX . XXXX XXXX XXXX , NC XXXX XXXX / XXXX / XXXX XXXX am ( XXXX email ) Make a Payment Re : Your account ending in XXXX XXXX XXXX , We wanted to let you know your account is currently past due. We also want you to know were here for you. XXXX If you make your minimum payment of {$170.00} by XXXX XXXX , XXXX , your account will be up to date. XXXX If youre unable to make this payment, please give us a call at XXXX and have XXXX ID XXXX ready so an agent can serve you more quickly. We can explore other solutions, such as our flexible payment options that let you split payments up over a few months. XXXX XXXX Free Ways to Pay : PAY ONLINE Sign in to your account. CALL XXXX XXXX : XXXX XXXX p.m. XXXX XXXX : XXXX XXXX p.m. ET SEND A CHECK Capital One Services, XXXX XXXX . XXXX XXXX XXXX , NC XXXX XXXX a Payment
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09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
|
lodge a formal and emphatic complaint against Capital One, a financial institution, for multiple and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, as well as the Privacy Act of 1974, 5 USC 552a, along with additional pertinent statutory and regulatory provisions. This complaint revolves around Capital One 's flagrant transaction reporting violations, their utter disregard for consumer privacy, and their alarming failure to respect consumer rights.
The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), unequivocally underscores the paramount need for consumer reporting agencies to execute their responsibilities with unwavering fairness, absolute impartiality, and an unyielding respect for consumers ' sacrosanct right to privacy. A parallel obligation is firmly enshrined in 15 USC 6801, articulating that every financial institution, including Capital One, has an unwavering, ongoing duty to zealously safeguard customer privacy and to preserve the security and confidentiality of nonpublic personal information.
My complaint, however, exposes Capital One 's audacious and persistent transaction reporting violations, gratuitous inquiries into personal accounts, and their egregious failure to uphold the fundamental principles of consumer privacy. As per the mandate of 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may, and I emphasize may, furnish a consumer report solely " in accordance with the written instructions of the consumer to whom it relates. '' Neither Capital One, the financial institution itself, nor the ostensible guardians of consumer data, XXXX, XXXX, and XXXX, sought my consent, let alone the written consent mandated by federal law, to disseminate my personal financial information. I hereby and resolutely revoke any and all consent, regardless of its form, whether verbal, non-verbal, written, implied, or conveyed through any other means, that has been extended to XXXX, XXXX, XXXX, and Capital One.
Furthermore, Capital One 's conspicuous and deliberate omission to apprise me of my basic right to exercise my nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ), is a glaring affront to the very principles of transparency and consumer empowerment that federal law purports to uphold. This omission represents a blatant violation of federal regulations. Notably, 15 USC 1681C ( a ) ( 5 ) leaves no room for ambiguity, explicitly decreeing that no consumer reporting agency may compile a consumer report containing adverse information without proper and unequivocal authorization. Capital One 's reckless reporting of adverse information without my explicit and uncoerced consent amounts to a clear and unambiguous violation of federal law.
Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) underscores that a person shall not, under any circumstances, furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information in question is inaccurate. Capital One has not only furnished inaccurate information, but they have done so with a shocking degree of indifference to the potential harm and financial consequences that this inaccurate information can wreak upon consumers.
Furthermore, XXXX, XXXX, and XXXX, the supposed guardians of consumer data, have displayed a wanton disregard for the very concept of reasonable procedures, as required by 15 U.S. Code 1681e. These agencies have consistently reported inaccurate, incomplete, and inconsistent information, causing not only financial harm but also confusion and undue distress among consumers.
In light of these severe and unambiguous violations, I demand, in no uncertain terms, that the Consumer Financial Protection Bureau conducts an immediate and exhaustive investigation into the actions of Capital One. This investigation should encompass all aspects of Capital One 's operations, focusing particularly on their rampant transaction reporting violations, their systematic infringements on consumer privacy, and their blatant disregard for consumer rights. I further insist that the Bureau takes the necessary and appropriate actions to rectify these grave infringements and that Capital One be held fully accountable for their failure to adhere to statutory and regulatory requirements.
A swift and comprehensive review of this matter is expected, and I insist that you keep me apprised of the progress of your investigation. Timely and decisive action is paramount in this case, so any sensitive details such as account information, numbers, and dates, I will be more than happy to provide.
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03/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I reached out to Capital One on XX/XX/XXXX and XX/XX/XXXX they received it. I submitted a payment in the form of remittance/coupon paid on XX/XX/XXXX.
Certificate of Non-Response Date : XX/XX/XXXX Re : Acceptances by Capital One on account number XXXX XXXX XXXX XXXX.
I, XXXX XXXX have sent off certified mailing and payments in forms remittance/coupon in efforts to resolve and settle account number XXXX XXXX XXXX XXXX. This notice is Pursuant state law evidence of dishonor XXXX XXXX and UCC XXXX XXXX state the following as facts.
On the date of XX/XX/XXXX, Capital One at XXXX XXXX XXXX XXXX, NC XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service.
After acceptance of mailing Capital One refused to send confirmation that account XXXX XXXX XXXX XXXX XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account XXXX XXXX XXXX XXXX XXXX.
Capital One did not cure your dishonor. Capital One gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor.
Therefore, based on the foregoing facts I state that Capital One dishonor me XXXX XXXX through non-response, and did thereby agree that Capital One accepted the remittance/ coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary of Treasury as notice that exemption is to be used to settle account number XXXX XXXX XXXX XXXX.
Further, Capital One agreed that refusal to send the written confirmation of settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled, Capital One and any of its representatives have no capacity to pursue collection on said account, under UCC XXXX XXXX UCC XXXX, UCC XXXX, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC XXXX, Pursuant 15 U.S. Code 6823 ( a ) Pursuant 15 U.S. code 1635, Pursuant 15 U.s. code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation of higher depending on pattern of failures aka R.I.C.O charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who had created the debt, I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit l, that I owe the alleged debt show in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount ofjudgment in class action suit and that any further pursuit of collection is agreement that Capital One collectively and without argument owe XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$2.00}, XXXX and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX take all necessary actions to secure the claim to the remedy which is owed.
Notice to Agent notice knowledge XXXX. XXXX Respectfully Rights XXXX XXXX XXXX XXXX XXXX XXXX All Name Executor O The Estate Authorized Representative Certificate Of Acknowledgement The State Of New Jersey County of Before me, known to or through e ( description of identity card or other document ) to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he/she executed the same for the purpose and consideration therein expressed.
( Seal ) Given under my hand and seal of office this day Of XXXX XXXX XXXX XXXX XXXX - State of New Jersey XXXX XXXX XXXX XX/XX/XXXX Notary Public, State of New Jersey
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01/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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I signed up for the venture credit card by capital one. For some reason I was given the capital one venture one card and that was the card that was sent to me in the mail. Having done my research ahead of time I knew that the Capital one venture one card card came with a 0 % APR for the first 12 months in addition to a bonus for spending {$1000.00} in the first three months. Even though I had been expecting to receive the venture card and not the venture one card I decided to keep the venture one card because I still thought it was a good card and I like the benefit of the 0 % on purchases for the first year and although the bonus wasnt as enticing as the venture card I still felt it was fair. Based on that I decided to keep the card. Fast forward to a few months later I noticed I was receiving interest charges of 19 % and that I hadnt received the advertised and not the venture one card I decided to keep the venture one card because I still thought it was a good card and I like the benefit of the 0 % on purchases for the first year. Fast forward If you months later I find that Im getting charged an interest rate of 19 % on purchases, and that I hadnt received the advertise bonus. Once this information became clear to me I called capital one and spoke to numerous supervisors. The first supervisor who said her name is XXXX and her employee number is XXXX was unhelpful. After almost an hour on the phone with XXXX I was given zero information about why I had not received any of the advertise perks and benefits attached to this card. I would not have wanted this card under these terms and conditions and feel that capital one is false advertising the promotions on their website and I was flabbergasted that they didnt immediately rectify the situation with me over the phone. I explained that I wouldve been happy had they just reverse the interest charges and giving me the advertise promotional rate of 0 % for the first year in addition to my XXXX bonus miles. I also during this time was wondering what happened during the process of my applying for the venture card and why I hadnt received the venture card but I had been given the venture one card. I was told by XXXX that sometimes when youre not eligible for one card youre automatically given a secondary card or an alternative card. That didnt make sense to me if I apply for a credit card I shouldnt be given an alternative card without being prompted as to whether Im interested in that alternative card. In addition to this since I had been researching both cards I had been preapproved for the capital one venture one card with the terms and conditions listed on the website, but later decided that Id rather have the venture card. However when I ended up receiving the venture one card I decided I was fine with that too. I feel that something happened during my process of applying for the venture card that created this problem. Nobody at capital one was able to see if I had indeed signed up for the venture card and been given this alternative card except for XXXX # XXXX. They said on their end it looks as though I only applied for the venture one card. If that is true there should be no reason why I was not given The 0 % purchase advertised and the bonus. Regardless of whether or not I signed up for the venture card or the venture one card as someone with pristine credit history, and the ability to sign up for any credit card I want - I feel as a consumer it should be my decision in advance whether or not I agree to terms before a card is opened under my name. I feel that capital one has denied me transparency and the ability to understand why they advertise one rate yet I was offered something completely different and not given the opportunity to say no thank you. Ive now spent over three hours disputing this and have nothing tangible to show for it. I was told this information is being passed to some kind of underwriting team. Ive also noticed that capital one no longer allows consumers to utilize a chat window so that they can have some kind of reference to refer to when calling for a dispute. Rather than continuing on you have to call and start an entirely new conversation with an entirely new associate and asked to speak to a supervisor and start back at square one. Ive been a capital one customer for many years and Im disappointed in the current practices. I hope my situation gets resolved in a fair and timely manner. And I hope that for the sake of other consumers that capital one takes responsibility for these unfair business practices and creates better transparency for their clients.
|
08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
On XXXX XX/XX/2022, I booked a rental car online through XXXX. The name of the company renting the car was XXXX car rentals.
This was a 29 day rental with pick up Thursday, XX/XX/2022 XXXX XXXX from XXXX XXXX XXXX and drop-off Friday, XX/XX/2022 at XXXX XXXX XXXX XXXX
During the on line booking process, I included my XXXX flight number to support the car rental agency in case of flight delay as requested.
The on line booking process did not state that the rental vehicle would only be held for a specific time period, and would be lost after a two hour delay. ( I have screen shots of the on line booking process, to confirm my above statement, which I can provide if required ).
VOUCHER for the car rental is shown in APPENDIX A. As part of the rental contract, the VOUCHER includes the following verbiage : - How to get to XXXX rental counter : XXXX staff will be waiting outside arrivals to direct customers to free shuttle bus transport to car pick up location.
Flight XXXX was scheduled to arrive at XXXX XXXX XXXX XXXX XXXX. but actual flight arrival was XXXX XXXX. Although flight was 1 hour 40 minutes late, I was not concerned because as previously mentioned ; I had provided my flight number to the car rental agency in case of delay as requested.
Upon exiting the arrivals area, I searched for the XXXX staff to direct me to the free shuttle bus transport to the car pick up location. To my dismay, no one was there to direct me. I spent the next 45 minutes searching a wider area and speaking with staff at a general airport information booth, where I was advised of a municipal bus that would take me to a local hotel, a short walk to the car pick up location. After waiting another 45 minutes, the bus finally arrived and took me to the car pick up location.
Upon my arrival at the car rental location, I presented my VOUCHER as shown in APPENDIX A. My expectation was that this would be exchanged for the paid in full rental vehicle. However, I was instead advised by the car rental representative that my car was no longer available, as I was late, and the car was allegedly given to another customer. I protested, and advised that my lateness was due in part to the fact that the car rental company had not fulfilled its contractual duties to meet me at the arrivals location, and provide the free shuttle. I also reminded the car rental representative that I paid in full for the vehicle, and that there was no mention in the contract that the rental vehicle would only be held for a specific time period. When I asked the reason why no one met me outside of the arrivals location, I was advised We are sorry, but we no longer provide that service.
The car rental representative stated that my VOUCHER had now expired and was worthless.
The car rental representative then miss-sold me another vehicle, which came with an additional charge of {$590.00} documented in APPENDIX B ). After a 12 hour flight, and a 3 hour drive ahead of me, I reluctantly accepted the additional charge, but advised that I would be pursuing a VISA chargeback for this {$590.00} Due to the failings of the car rental company, as described above, the company should not have imposed the additional {$590.00} charge. Since this incident, I researched XXXX car rentals on line and discovered that they show a XXXX XXXX review rating of 78 %. Customer reviews and complaints include the scenario suffered by myself, and described above. It would appear that the company culture is notorious for miss-selling to its customers, in order to support sales revenue.
I include two links below, to illustrate problems other customers have had with XXXX car rental.
https : XXXX https : XXXX On XX/XX/2022 I telephoned VISA and initiated a charge back for {$590.00} ; and VISA applied a {$590.00} credit to my account.
On XXXX XX/XX/2022 I received a letter from VISA, dated XX/XX/2022 ; shown in APPENDIX C. This letter included a request that I send a second opinion from another merchant in the same field on company letterhead.. I consider this request totally unacceptable and burdensome. Do they really expect me to approach another car rental company, such as XXXX or XXXX and make this request? It would appear that VISA are tasking me in such a manner in the hope that I will simply abandon this {$590.00} chargeback.
On XXXX XX/XX/2022 I sent a reply to this letter, via VISA web link, shown in APPENDIX D.
On XXXX XX/XX/2022 I received a letter from VISA, dated XX/XX/2022 ; shown in APPENDIX E.
In conclusion, I believe that CapitalOne XXXX XXXX should reimburse the {$590.00} in question.
XXXX XXXX
|
07/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
I was past due on all my credit cards and began working with each lender on payment plans. Each bank, except Capital One, was easy to work with and I'm fully complying with their payment plans. Each time I called Capital One the rep tried to force me to pay thousands to catch up and would say there wasn't anything they could do. Each rep on each call would talk about how I was already on a plan and I kept stating that I wasn't. All of this would be on their recorded lines. Capital One just refused to help.
On XX/XX/2019, I started an online chat ( see attached ) at XXXX with representative XXXX XXXX. On page 5 you can read Mr. XXXX telling me that I am already enrolled in a program and I once again respond, " I don't know why it was. I didn't ask for that. '' Five sentences later Mr. XXXX says, " It shows that your account is also eligible for our long-term payment program. '' We discuss the monthly payments, interest rate, the terms of the program. On page 7 he asks, " Do you accept this offer? '' I respond, " The only question I have is the 'The Long-Term Payment Plan does not reduce the balance or obligation to Capital One. ' That sounds to me like I'm throwing money away and it doesn't actually go towards paying off the account. Can you please clarify? '' Mr. XXXX responds, " Please be rest assured, in the 'Long-Term payment program. '' " The full balance will get pay down with monthly payments of {$390.00} for 60 months. '' Two sentences later I respond, " Alright. Sign me up. I appreciate your being able to work with me. '' On the same page I agree to make a payment of {$410.00} at that moment which I do. On the very next page, page 8, Mr. XXXX writes, " This payment will not bring the account current, however, it WILL PREVENT THE ACCOUNT FROM FURTHER DELINQUENCY and will stop the phone calls during that period of time '' ( Emphasis mine ) Further down on page 8 I provide him with the confirmation code of XXXX that confirms I had just paid the {$410.00}.
The chat ended at XXXX.
I received a letter from Capital One, see attached letter, dated XX/XX/2019, which confirms my enrollment in a " Workout Program '' but otherwise seemingly in line with what I agreed. This is NOT the name of the program I was told I had been enrolled in on the chat. Also, on this letter, point 10 says that being in the Workout Program does not guarantee that the account won't be charged off. This is contradictory to the online chat agreement which I have in bold above.
On XX/XX/XXXX I made a payment, in accordance with the agreement, of {$400.00} which is more than was owed. See attachment of email confirmation of payment.
On XX/XX/XXXX I tried to use Capital One 's online system to make my next payment and was barred from doing so because the account had been charged off. I called the number provided on the website and spoke to a woman who agreed that I was enrolled in the LONG-TERM PAYMENT PROGRAM and that this was most likely a mistake and that she would send my account over for review. I made the {$400.00} payment over the phone. See attached letter that confirms the payment. See attached letter dated XX/XX/XXXX verifying that I had contacted Capital One to dispute the charge off.
Today, XX/XX/2019, I received a letter from Capital One dated XX/XX/2019. The letter states the charge-off status is correct.
I have several issues. First, Capital One was horrendous to work with from the get-go. They just do not want to set people up on payment plans and don't want to reduce interest rates in order to get people back on track. Second, I consider the online chat to be a legal agreement as XXXX XXXX is a collections specialist with Capital One and is therefore authorized to make such agreements. Third, I upheld my end of the agreement but Capital One charged off my account any way. Fourth, every time I had called Capital One to try and work out a payment plan I was told I was already in a plan which was not true. I had at no point agreed to any other plan. It's my contention that Capital One preys on consumers who are not savvy enough to know they are being manipulated. Fifth, the letter they sent to me verifying the details of the agreement contradicted the agreement I had made with Mr. XXXX in terms of program name and that I was to have no further collection action taken. But I, un-savvily, decided to assume that Capital One was going to honor the original agreement. Sixth, since I have been charged-off, the $ 1000+ I paid to Capital One since the agreement was made is basically money thrown away should they decide to sell the loan off.
|
11/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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I have been a long time loyal Capital One customer. I pay my bill on time every month and haven't had any issues until now. In XXXX, I made a purchase for a mattress from a company called XXXX XXXX using my Capital One card. The purchase amount was {$840.00}. I was fine with the mattress at first. However, I weigh XXXX lbs, and after the first few months, I noticed the mattress sagging. Six months after the initial purchase, I went online and tried to go to the XXXX XXXX website to contact the merchant for a refund. The product had a " risk-free '' 18 month return policy that stated I could return the mattress for any reason within 18 months for a full refund. I quickly realized that the merchant is gone, completely off the map. The website is gone and they will not respond to contact attempts. I saw that there are a lot of other folks trying to reach them as well. The XXXX site shows the extent to which this merchant has acted fraudulently. Again, they have completely disappeared. I contacted Capital One to see if I could dispute the charge in XXXX. I spoke with two representatives initially, both of which located the charge. Both indicated that they could dispute the charge. I provided all of my info to the second representative, and was sent a letter requesting additional info. Neither representative mentioned a 60 day limit on disputes. Please also keep in mind that this is not a standard purchase. A lot of mattress companies ( XXXX XXXX included ) wont even let you return the product before thirty days. I sent in everything they requested immediately. I spent several hours on this, between talking to the two agents, compiling the info they wanted, completing the forms, and faxing the info to them. I also spent my money to fax this info to them. The only other option I was provided was mailing, which I would also have had to pay for, and due to the issues with USPS currently, I wanted to be sure they received the info they needed via fax. I sent them previous correspondence with the merchant, portions of the website I had copied and pasted at the time of purchase, pages from the welcome guide detailing the 18 month return policy, etc. They didn't even review what I sent. Within a day, I received a notice saying that they can't assist because of the 60 day limit. At this point, I'm frustrated not because they can't assist, but because they've made me jump through hoops for no apparent reason. If there is a hard 60 day limit, they should have told me that initially instead of making me waste my time ( and money ) submitting documents and info to them. I called Capital One back to let them know of my frustration, and spoke with a third agent. This agent told me not to worry, because they would open the case back up if I could submit documentation that the product is defective. I spent almost 40 mins on the phone with this agent. I then compiled the info she requested ( again ), took photos of the product sagging, and submitted this info to Capital One. Again, I immediately received a notice saying Capital One can't assist because it's been over 60 days. I called back tonight and asked for a supervisor. I was not given any explanation as to why not one, not two, but three agents never mentioned the 60 day limit as being the end all be all. In fact, the third agent had me jump through more hoops and send more info after telling me not to worry. I am incredibly frustrated because not only am I out {$840.00} due to a company that disappeared off the face of the earth, but Capital One, who is supposed to " have my back '' has been atrocious here. If I had called initially and been told that they couldn't do anything because of the 60 day limit, I would have been disappointed, but fine with that. I have wasted so much time ( and my own money faxing documents ) for absolutely no reason. They had no intention of doing anything about this charge, and have made me waste my time and money. Capital One has been misleading for sure, but I would go so far as to say that they have flat out lied. I should have been given accurate information the first time I called. Now I'm out the {$840.00} PLUS several hours and the money I paid to fax documents to them for fun apparently. Capital One has offered no solution to this. If one agent had given me incorrect info, I might be more understanding. I spoke with three agents prior to this supervisor. I have been a long time customer, but this makes it clear how unethical this company is. I went to them for help when I was XXXX by one company, and they managed to XXXX me further instead of assisting.
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10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL " [ CAPITAL ONE ] LAST REPORTED DATE XX/XX/XXXX { REMARKS ON THE CAPITAL ONE ACCOUNT NEED TO REMOVED & UPDATED } ''. " [ DEPT OF ED / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX / XXXX ] LAST REPORTED XX/XX/XXXX { PAYMENT HISTORY XX/XX/XXXX, XX/XX/XXXX. NEED TO UPDATED TO CURRENT } ''. " [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I dont recognize these account in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character 2. negligent non- compliance 3. Civil liability 4. Mental anguish 5. Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) 6. Identity theft Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
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12/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XXXX XXXX XXXX I scheduled a payment to capital one credit. It was after XXXX because I was traveling to go to a funeral the next day. The app said the payment would post the next day. I called in the next day because they had a late charge on the account. They took it off and assured me that the payment would be taken out by XXXX that day.
XX/XX/2022 I receive an email saying that the payment was unable to process. Then another after email saying it was processed. I look in my capital one banking account to see what happened. It said a payment was made to carshield ( my warranty company ). I was confused as to how they were able to take funds that I allocated to the credit card and who actually got the payment.
I wait until the next day ( XXXX XXXX to see what the system says. It says I have available credit of XXXX. So I'm thinking the payment went through as scheduled. So I use the card. It goes through. I use it again to get gas. It goes through.
On XX/XX/XXXX I look at my account balance. It should've been XXXX. It was XXXX. I call and I was told that the payment didn't go through. Ok so I ask to escalate the situation to find out why the payment didn't go through as scheduled. The supervisor told me that there was no payment from XXXX and that the payment from XXXX wasn't received. I told him that's false and that it was a payment from XX/XX/XXXX that we're talking about. He insisted that what he was saying was the truth and that it took a month for the payment to return. He tried to go back in my record to see what was going on and I explained to him that the double charged me on my first month because I made the payment before the due date. I was also charged on the due date because I had auto pay on. He tried to say I disputed the payment with my bank which is capital one. So my first month they double charged me {$97.00} for their " system '' auto pay takes out money whether or not you have a XXXX balance.
Then they don't give you your money back instantly. You have to wait 7 days.
So after that supervisor was no help. I go on the app today and see another {$13.00} charge for " interest : purchases ''. So I call up again. Same thing. This time they acknowledged the XX/XX/XXXX payment unable to be processed and it was returned. This time they said " the system took the payment and did not process the return until the XXXX. '' So their system made an error and allowed me to process an extra {$100.00} in charges on the XXXX. That's not what I was told yesterday.
I told the rep thank you for the clarity and that I would like to escalate the situation to see if they can take off the interest due to the situation. The rep escalated the situation and the supervisor got on the call. I let the supervisor know that im aware of the mistake the system made allowing me to make an extra charge. Im willing to pay what i charged just not the interest. She tried the same tactic of going back on the history of the account to divert from the current issue. I then explain the situation again and ask what can they do to help me in this current situation being that it was their systems fault and nothing in my control. She says nothing. I ask why can't she take off the interest payment and she blamed the system and it's decision not to waive the interest. I said the system made the mistake and I have to pay for it with no reason why. She said yes.
There are a couple of issues here. The two main issues I have are with the bank and the credit card company. I spoke to both sides about this. It's happened before on the banking side as well. If I'm making a payment to the credit card or anyone and that payment was confirmed with the funds in the account. Why is anyone able to access those allocated funds?
Issue # 2 The credit card company 's system made a mistake in timing of taking their funds. Then as they made that mistake they allowed me to go over my secured credit limit without me knowing. Then penalize me for their mistake?
I never said I wouldn't pay it as I'm working to fix and build my credit. I'm not able to afford to pay for a systems errors.
This almost feels like I was forced in a situation to pay interest on my money.
The first incident where I was double charged, I needed that money and wasn't able to access it for three days. These small things impact someone who is trying to do what they have to because these companies are allowed to push their mistakes onto the consumer and charge them more for it. I have other issues but want to see how this works out first. Hopefully a resolve can come from this.
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02/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was one of the victims that got scammed from a scamming online education " mentorship '' business, call " XXXX XXXX XXXX XXXX " Ive used 4 different credit cards to pay for it. Capital one is one of them. Ive Prepaid for all my products/serives. However, this Merchant shutdown their online training/coahcing sites, Everyone went disappeared. All my products/services no longer exist and i will never have them. I had done everything as guided before I had to do the disputes. I first called Capital one, then I wrote them a detailed letter provided and explained my case. Ive done the same for all other credit cards as well. ( All these other creditors have given me permanent credit back already as im writing this ). First Capital One gave me a temporary credit, then a month later, they took it back, and said because they got a response from the merchant ( I was told on the phone, doesn't matter the merchant is right wrong, good or bad ). I called and asked if anyone in the dispute team ever even read my letter, and look in to the merchants response?? because all the info that the merchant responded with are all irrelevant to the very reason I dispute. I also called and talked to someone to make sure and again and again explained my case. The people who answered the phone seemed to understand my case..my story at the time, seemed to feel sorry for me..but everytime..they have no authority to do anything..they can only forward my case to someone in the back office. Then weeks later, i got a letter said nothing about my response to the merchants response. The letter denied me and said they never got my documents ( as i never sent them. Denied me also bc they " found no error on the charge ''. I called again, telling them ive got proofs here that ive sent all those documents in, not once but 2,3 times..sent more than what theyve asked and needed from me. Then i wrote them another letter again..send in all documents again, very very frustrating.. I also called again, talked to someone name XXXX ( hes a mg of the dispute team, I requested to talk to someone higher ) XXXX was very listening..and he kept apologizing to me for all the mess his team putting me thro and said he couldn't see why my case wasn't favored on my end bc obviously i should have won the case based on all the documents ive provided and my letter..he took some time to read into it..but then again, even hes the mg of the dispute team, he said he had to " escalate '' my case to someone in the back office to determine. and he told me not to worry, things will be ok for me soon..give him 5 days to work on it.. 3 weeks passed, i didn't get a letter, a call nothing from capital one. So i called and found out..yes XXXX did forward my case to " escalate '' it, but then its just sitting there..noone ever gave me an answer, or even know why..then i asked to speak to a mg, then i got one.. but this one, oh lord..hes something else..he came up w many other different excuses to why my letter was denied. He even said its because i signed the contract where it says, i take all risk ..I kept explaining to him, thats about the Income Disclosure, has nothing to do with the reason for my dispute. but doesn't matter what i said..he kept on and on about that.. it was like he talking to me as im 3 years old and cant read or he doesn't even care to read my letter. They always say they read but i dont think they care.
I feel as if ive been being treated as a criminal instead of the merchant whois scamming people including me. Everything has happened w my case looks like capital is just throwing me non sense excuses to defend the merchant but protecting me, helping me who are their customers. I feel discriminated. I have many colleagues, and myself that already have gotten permanent credits back from all other creditors, but capital one! i feel discriminated and the way capital one 's dispute team been treating me is like they have violated my consumer right as well. Im asking CFPB to look into my case and make thing right for me. Its been 5 months ive been dealing with this. its pain for people like me. we've lost so much from being scammed by these merchants, then being treated like this by our bank is something un-human.
Ive attached : 1 ) my first dispute letter, 2 ) contract/agreement 3 ) my response letter to the merchant 's response + some note on Merchant 's response doc 4 ) capital one last letter to me ( makes no sense everything they said in there ) 5 ) proofs of permanent credits from a few other creditors 6 ) receipts, srceen-shots of other docs supporting my case.
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03/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Purchased an air conditioning system from a vendor named XXXX XXXX on XX/XX/XXXX in XXXX, XXXX, using my Capital One credit card. Charge was for a complete apartment air conditioning system, with split systems and multiple compressors, total charge of {$3500.00}.
Company was to come to the apartment for a site inspection, and if everything was correct with the site, they would sell the equipment to my contractor who would install the equipment.
Without my knowledge, they forged a signature on an inspection waiver document, and sold the air conditioning system without verifying this was the correct system. By law, they must do a site visit, or they are not allowed to sell an air conditioning system such as this.
This was installed in an apartment I was renovating. I did not realize this was an incorrect system until XXXX of XXXX, when the renovation was nearing completion. Two other air conditioning companies inspected the system, and said the one installed was incorrect for the apartment. Both companies recommended removal, with a new system installed. I contacted the original company, and they said that they would not take any system back after one month, and refused to come out for an inspection of the system. I tried discussing with XXXX XXXX about taking back their original equipment for credit towards purchase of a new, correct system.
As soon as I found out about the problem, I notified Capital One disputes immediately. They opened a dispute and after taking almost two months back and forth, in order to get them a detailed receipt of the original sale, communication log with the original company XXXX XXXX, a copy of the inspection waiver with the fraudulent signature.
In order to complete the apartment renovation, I hired another company ( since XXXX XXXX refused to take back their equipment. ) This company verified the original equipment was in new condition and working perfectly, documented the serial numbers, and removed all the 5 split units, including all wall units and compressors, and packaged them safely. They provided a letter supporting all this, and the equipment was returned to XXXX XXXX, with photographic documentation.
All of this was provided to Capital One. I have a valid complaint with Capital One, because the problem occurred at the point of sale. The merchant did not provide what I paid for - an air conditioning system that included a site visit to verify the correct system. When the vendor produced a forged inspection waiver document, that falls within the responsibility of Capital One.
Capital One requested more and more information from me regarding the purchase, each time taking up to two weeks to provide followup. When they finally had everything documenting what happened, Capital One simply said that at that point, it was beyond their internal dispute time period, and refused to do anything.
This is completely wrong, since I notified them within a contemporaneous time period, as soon as I found out about the problem. Once the dispute was opened, any time involved with sharing documents back and forth in a complex case such as this ( charge occurred in a foreign country with documents requiring translation ) should not subtract from the time period allowed to submit a dispute.
Capital One had all the information needed to verify that one of their customers had this happen, with a fraudulent document signed, and with improper equipment sold. Instead of moving quickly to get this resolved with the merchant, and get the charge reversed, they chose to create more and more delays by asking for more information, and then once the information was complete, to simply say that it was beyond VISA time limits. During this time, Capital One dispute representatives told me verbally on numerous occasions that there is plenty of time, and since the case is open, it is active.
I called VISA and spoke to customer service there. They said that the time frames they suggest are merely guidelines, and it is up to the individual credit card to make their own policies and time schedules.
There was a fraudulent signature on a waiver form from the merchant, XXXX XXXX. The equipment that I agreed to buy was only if it was the correct size for the apartment, and if it was not correct, should never have been sold.
The original equipment was all removed and returned back to the merchant. I do not have any of the equipment.
This charge must be reversed. Capital One should be held responsible for their tactics of delaying and their poor support of their customers in cases such as this.
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11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
ON XX/XX/XXXX, I WITHDREW XXXX FROM A BUSINESS ACCOUNT ( XXXX XXXX ) TO PAY OUTSTANDING CAPITALONE XXXX AND VENTURE CREDIT CARD BILLS... I LEFT THE XXXX XXXX AND WENT STRAIGHT TO THE CAPITALONE BANK LOCATION @ XXXX XXXX XXXX, XXXX NJ...
I ARRIVED @ APPROXIMATELY XXXX ... AT APPROXIMATELY XXXX, A TELLER ( " XXXX '' ) TOOK MY C/C PAYMENT ( WHICH CONSISTED OF TWO SEPARATE CONNECTONE ENVELOPES THAT WERE DIFFERENTIATED BY THE DOLLAR AMOUNTS : XXXX AND XXXX - TOTALING XXXX )...
HANDED TELLER THE ENVELOPES AND LET HER PROCESS THE PAYMENT ... I ALLOWED TELLER TO PUT XXXX ON THE XXXX CARD AND THE REST TO THE VENTURE CARD ... I WAS DISTRACTED BECAUSE I HAD A BUSINESS MEETING AND WHEN I FINISHED THE TELLER HANDED ME MY RECEIPTS...
I WAS PAYING OFF THE FOLLOWING OUTSTANDING AMOUNTS : XXXX : XXXX ( XXXX WAS PAID ) VENTURE : XXXX, XXXX, XXXX, XXXX, XXXX = XXXX ( TOTAL AMOUNT THAT SHOULD HAVE BEEN APPLIED XXXX ) I THEN LEFT THE BANK... LATER, IN THAT SAME WEEK, I CHECKED MY VENTURE C/C BALANCE ON MY PHONE AND SAW THAT AN OUTSTANDING AMOUNT OF XXXX ( XXXX XXXX ) WAS STILL OUTSTANDING ON MY VENTURE CREDIT CARD BALANCE...
I THEN LOOKED AT MY PAYMENT RECEIPTS FOR XX/XX/XXXX AND ASCERTAINED THAT ONLY XXXX WAS APPLIED TO THE VENTURE C/C OUTSTANDING BALANCE OF XXXX ON XX/XX/XXXX, I WENT TO THE BANK LOCATION @ XXXX XXXX XXXX XXXX NJ AND XXXX ABOUT THE OUTSTANDING BALANCE ... I INTIMATED THAT THE PAYMENT APPLIED WAS NOT WAS GIVEN THE TELLER...
I ASKED TO SPEAK TO THE BRANCH MANAGER AND WAS TOLD THE MANAGER WAS NOT IN THE BRANCH...
THIS WAS SUSPICIOUS TO ME... I THEN RELAYED THE ABOVE PAYMENT INFORMATION TO THE TELLER THAT ASSISTED ME...
HE ALLEGED THAT HE HAD CONTACTED THE BRANCH MANAGER AND THAT THE AMOUNT OF XXXX AND THE XXXX ( TOTALING XXXX ) WAS THE AMOUNTS GIVEN TO THE TELLER...
AS FAR AS I COULD ASCERTAIN, THIS WAS INCORRECT ( NO MONIES WERE IN THE PAYMENT ENVELOPES WHEN THEY WERE RETURNED FROM THE TELLER AND NO MONIES WERE LOST OR MISAPPROPRIATED ON MY END ) I THEN INSISTED THAT FURTHER PROOF WOULD BE NEEDED TO VERIFY THE VERACITY OF THE BANK 'S CLAIM ... THE TELLER THEN SAID THAT HE WOULD NEED MANAGEMENT APPROVAL TO VIEW VIDEO OF THE TRANSACTION AND TOOK MY CONTACT INFORMATION FOR A LATER FOLLOW-UP...
WHICH NEVER OCCURRED...
ON XX/XX/XXXX ( A WEEK LATER AND AFTER NO FURTHER CONTACT FROM THE BANK ) I WENT BACK TO THE BRANCH AND AGAIN ASKED TO SPEAK TO A MANAGER... AGAIN, I WAS TOLD A MANAGER WAS " UNAVAILABLE '' ...
THIS WAS NOW VERY SUSPICIOUS BEHAVIOR BY THE BANK AND YET ANOTHER TELLER ( " XXXX ''? ) TOOK THE EXACT SAME INFORMATION THAT I HAD GIVEN TO THE PREVIOUS TELLER ON XX/XX/XXXX ... I THEN REALIZED THE BANK WAS NOT TAKING MY SCENARIO SERIOUSLY AND TOLD THEM THIS HAD TO BE ESCALATED ... THE TELLER INTIMATED THAT SHE WOULD CONTACT SOMEONE ... AFTER 20 MINUTES, THE TELLER INTIMATES THAT, AGAIN, SOMEONE WOULD CONTACT ME WITH A STATUS ... AS OF THE TIME OF THIS WRITING, NO ONE FROM CAP ONE HAS ATTEMPTED TO PROVIDE ANY EVIDENCE XXXX WAY OR THE OTHER REGARDING THE STATUS OF MY XX/XX/XXXX OR XX/XX/XXXX INQUIRIES..
ON XX/XX/XXXX, I CONTACTED CAPITAL ONE 'S DISPUTE RESOLUTION GROUP AND ALLEGEDLY A ESCALATED PROCEDURE HAS BEEN INITIATED...
THERE IS AUDIO AVAILABLE TO VERIFY THE XX/XX/XXXX AND XX/XX/XXXX INTERACTIONS...
UNFORTUNATELY, I DO NOT TRUST CAPITAL ONE 'S BUSINESS INTEGRITY AND DECIDED TO FILE A COMPLAINT AGAINST THEM VIA THE CFPB IN ORDER TO HAVE A " CHECKS AND BALANCES '' SCENARIO BECAUSE EITHER THEY ARE PROTECTING A TELLER THAT MISAPPLIED MY PAYMENTS OR MISAPPROPRIATED MY PAYMENTS... IF I AM AT FAULT ( WHICH IS DOUBTFUL ), I NEED TO SEE DIGITAL PROOF AND VERIFIABLE OFFICIAL DOCUMENTS THAT CONFIRMS WHAT ACTUALLY HAPPENED...
HAVING BEEN IN THE TECHNICAL SUPPORT FIELD FOR MANY YEARS, I AM HOPING CAPITAL ONE BANK IS NOT STALLING SO THAT ALL VIDEO EVIDENCE IS OBLITERATED THROUGH AN OVERWRITE " PROCEDURE '' ...
MY GUT IS TELLING ME THIS IS WHAT THEY WILL CLAIM IN ORDER TO AVOID CULPABILITY IN THIS MATTER...
IN RETROSPECT, I LOOKED AT SOME OF THE XXXX REVIEWS FOR THIS BRANCH AND THE XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX ) AND HAVE COME TO THE CONCLUSION MY NEGATIVE INTERACTIONS ARE PART OF A CONTINUAL PATTERN OF INDIFFERENCE AGAINST THEIR CUSTOMERS...
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I NEED DIGITAL and DOCUMENTARY EVIDENCE THAT INDICATES WHAT EXACTLY HAPPENED TO THE AMOUNT THAT SHOULD HAVE BEEN APPLIED TO THE VENTURE C/C PAYMENT ON XX/XX/XXXX ( XXXX AND XXXX TOTAL = XXXX ) IF THERE IS A DISCREPANCY, I WANT THE AMOUNT REIMBURSED TO MY ACCOUNT...
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09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Complaint summary : Prior to XX/XX/XXXX, the bank affiliated with my XXXX XXXX XXXX XXXX XXXX XXXX ) credit card was XXXX Bank. As per the terms of the credit card agreement associated with XXXX Bank, I was able to earn rewards credit ( XXXX ) with the use of my XXXX. The more I used my XXXX to make purchases, the more XXXX I accrued. Naturally, I was incentivized to use my XXXXXXXX XXXX card so as to maximize my XXXX. XXXX Bank reported the XXXX I accrued during each billing cycle on my monthly statement and at the end of each calendar year, I was apprised of the total dollar amount I was due in XXXX. Under the terms of the credit card agreement with XXXX Bank, I was given the option of requesting that my XXXX be issued in the form of a check. This option was in lieu of using the XXXX at XXXXXXXX XXXX, the outdoor gear retailer. As my preference was to receive cash as opposed to store credit, I typically requested that XXXX issue a check in my name for the total amount of my earned XXXX. That check was ordinarily issued in XXXX.
At some point in XXXX ( I believe in XXXX ), I received notice that XXXX Bank would no longer be associated with my XXXXXXXX XXXX XXXXXXXX and that Capital One would be assuming that role. Specifically, I received correspondence from Capital One stating that : " On XX/XX/XXXX, your XXXX XXXX XXXXXXXX will transfer to Capital One. You can enroll in your new Capital One online digital experience and set up future payments with Capital One starting XX/XX/XXXX. '' This correspondence included " Important dates to note '' -- with associated card holder directives --, but no changes to the rewards credit program with Capital One were enumerated at this time.
Subsequent to the receipt of this initial communication, I received a more detailed communication from Capital One. Specifically, that correspondence restated that on XX/XX/XXXX, the bank that issued my XXXX XXXX XXXX was changing to Capital One. However, this correspondence included additional details associated with my " new '' credit card, including the provision that " As part of the new XXXXXXXX XXXX XXXXXXXX XXXX program, card members are no longer able to receive XXXXXXXX XXXX XXXXXXXXXXXX XXXX via cash or check. You have through XX/XX/XXXX to request a check for your available rewards ... After XX/XX/XXXX, you can enjoy using your rewards for all the things you love at XXXX XXXX '' It is my recollection that I set up my new online account with Capital One on or around XX/XX/XXXX as directed. It is also my recollection that during the process of setting up my new online account, I became aware of the change to the XXXX XXXX XXXX XXXX program policy noted above and called a Capital One representative to discuss my concerns about the status of my pending XXXX. During that conversation, the Capital One representative informed me that I had accrued {$400.00} in XXXX since XX/XX/XXXX, but since I had not requested a check for the same by the XX/XX/XXXX deadline, I could only use the XXXX for purchases at an XXXX store or at XXXX. At that point, I asked to be transferred to a manager to discuss the matter further and I did, in fact, speak with " XXXX, '' a Capital One senior account supervisor. Unfortunately, XXXX merely informed me that beyond the XX/XX/XXXX deadline, Capital One 's policy was to honor accrued XXXX for use at XXXX or XXXX ONLY.
Basis for my complaint : As of XX/XX/XXXX, my XXXX totaled {$430.00}. Most, if not all, of this credit was earned prior to the time Capital One became associated with my XXXX XXXX XXXXXXXX on XX/XX/XXXX, and prior to the time that Capital One changed the rewards program I enjoyed under US Bank. I opted to use my XXXXXXXX XXXX XXXX almost exclusively for credit card purchases I made between XX/XX/XXXX, and XX/XX/XXXX, because of the established policy under XXXX Bank that I could elect to use my XXXX for a check payment in lieu of of XXXX store credit. It is absolutely unconscionable that Capital One chose to change its rewards program in such a way that XXXX already earned by me, and other XXXXXXXX XXXX XXXXXXXX holders similarly situated, was materially impacted by Capital One 's brand new affiliation with my XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Needless to say, an ethical, customer-centric approach would have been for Capital One to make its policy change impact XXXX earned on or after XX/XX/XXXX, the day Capital One took the reins from XXXX Bank XXXX This approach is the single obvious fair play approach, but Capital One clearly opted to take a lesser, unsavory path.
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08/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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XX/XX/XXXX, a vehicle was purchased in MY name using MY SSN/SS CARD.
- the agreement was that a loan would be issued directly to me ( to purchase/take ownership of said asset ) based from an approval after assessment of my social security number/card. [ see definition of a credit card/social security card by referring to the TRUTH IN LENDING ACT 15 USC 1601 ]. Funds were never issued directly to me, and documents confirming ownership of said asset have not been transferred to me. My name is listed on the title/documents of ownership, but I am not in possession nor control of these documents of ownership. I am in PHYSICAL possession of the asset, which makes it mine ( as stated in Black 's Law Dictionary, possession is the fact of having or holding property in one 's power. That power means having physical dominion and control over the property. That dominion and control may be exercised by excluding others, or letting others in ). My name is listed on the documents, which means that my documents of ownership are being held against my will and without my consent by a party ( debt collector/self-proclaimed creditor ) who is NOT listed as the owner of the asset. A promissory note was issued to the seller by the self-proclaimed creditor when the agreement was that MONEY be issued to ME. The title/lien was transferred to the self-proclaimed creditor with MY name listed when it should have been transferred directly to me.
By use of MY social security card, I am the original creditor. Any entity listed as a creditor on a loan granted by use of MY social security number makes ME the original creditor. An entity listing itself as the creditor without my consent/approval has committed fraud. Also, any entity reporting me as OR referring to ME as a borrower has committed fraud ( FDCPA 15 USC 1692 never uses the term BORROWER. I can not borrow my own money, as I am the original creditor ). In doing so, they furnished a deceptive form pursuant to 15 USC 1692j. According to U.S. vs. Throckmorton, 98 US 61, fraud vitiates ANY contract and all of its conditions.
As stated in Black 's Law Dictionary, possession is the fact of having or holding property in one 's power. That power means having physical dominion and control over the property. That dominion and control may be exercised by excluding others, or letting others in.
Repossession is illegal pursuant to 15 USC 1692e. In XXXX of the year XXXX CAPITAL ONE traced a vehicle in MY possession with MY name listed on the title and dispatched a tow truck company to illegally seize my property at a time I was expected to be sleeping. This is theft. My property was recovered, but after a highly strenuous process that I should not have been subjected to under any circumstances. The contract, which Ive attached photos of, stipulates that capital one can take the vehicle. Why would they include ILLEGAL THEFT in a contract for me to sign?
- As remedy, I am seeking the following : XXXX out all balances, RE-payment of all interest I have paid to CAPITAL ONE ( as I, the consumer, retroactively disagree to being charged interest pursuant to 15 USC 1692f ), and DELETION FROM ALL CONSUMER REPORTS I do/did not consent to my information being sold, and it is ILLEGAL.
My reputation and creditworthiness are being tarnished due to information furnished to credit reporting agencies WITHOUT MY CONSENT. This is clearly oppressive, as I am not able to purchase a home ( having a place to reside is a basic need and is being obstructed ), I am not able to rent under normal circumstances, I am not able to exercise my right as a consumer to use credit for necessity purchases. I have been subjected to the stress and denigration of being told repeatedly that I am not able to obtain access to things that a natural person may need. This is HARMFUL, and is the result of the unauthorized action taken against me by using MY social security number/card as a weapon against my own progress.
IT IS IDENTITY THEFT TO BUY, SELL, OR USE MY INFORMATION ( SSN/NAME/NPI ) FOR PROFIT WITHOUT MY CONSENT.
I sent 2 letters to Capital One Auto Finance, one dated XX/XX/XXXX and the other sent in XXXX of XXXX. Both letters requested that these fraudulent reports of creditworthiness be removed from the records for ALL major credit reporting agencies. The information has not yet been removed. I spoke with a representative on approximately XXXX and was informed that the cease and desist had been received. In this case, my requests should have been fully acknowledged. I am a federally protected consumer.
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01/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is a complaint about the commercial credit fraud division of Capital One bank. I was at home on XXXX XX/XX/XXXX when pending charges appeared on my Business credit card account. At XXXX pm I alerted Capital One of the fraudulent charges. They were pending at the time so no further information was available.
The charges were for {$27.00} at XXXX clothing store and {$11.00} at XXXX XXXX XXXX XXXX separately occurring on location in XXXX, NJ which is a nearby city. The Available information online suggests XXXX XXXX is a gas station or car mechanic attached to XXXX, the address provided to capital one was that of a car dealership. This information was readily available on XXXX maps. A phone call to XXXX XXXX went unanswered and XXXX answered and confirmed they do not open until XXXX.
I was initially issued a credit for these charges and a new updated card. I was quarantining at home on the day in question ( XX/XX/XXXX ) and know full well I was not at those locations. Furthermore, information on my credit statement show both the chip transaction occurred at XXXX XXXX morning the XXXX of XXXX. These businesses have distinct addresses that would make it impossible to transact with simultaneously. Not only that, the clothing store does not open until XXXX. Even if they were batched from the weekend I was not in the city of XXXX at any point in recent memory. Capital One confirmed the strangeness of the charges on my initial report, noting the card was used in a chip reader.
On XX/XX/XXXX Capital one reversed the credits provided to me and sent a letter claiming they had performed an investigation and determined NO Fraud took place, further citing they believed me or another account holder may have benefited from the transaction. They provided no corroborating evidence and conducted no interviews either in person or on the phone. This is despite the evidence I provided.
The only claim Capital One asserts is that their chip functions can not be copied or stolen. The claim was said with the same confidence and hubris as the XXXX can not sink when I reported this on XX/XX/XXXX to a customer service agent who then elevated me to a supervisor named XXXX. This is after I was placed on a XXXX minute hold to speak with an agent about the letter on XX/XX/XXXX that was eventually disconnected without speaking to anyone. XXXX, the supervising agent further told me that the investigation was concluded and I could not reopen it. Several minutes later he said if I had documentation to support my claim I could submit it to them and they would evaluate it. Again, his only response to my claims that I did not make the purchases in question was that the chips were impossible to commit fraud with. I asked him for all the information he had on the case to be shared with me.
Even confirming the time discrepancy and my assertion that the card was in my possession while I was quarantined at home ( and asleep at XXXX for that matter ) and that one of the businesses was far from the other still did not sway his conviction that fraud was impossible. This flies in the face of their fraud protection guarantees. Even worse, this accuses me of criminal activity in falsely reporting theft and committing credit card fraud myself. The agents I spoke with confirmed the only research performed by the fraud investigators was the above assertion of perfectly secured chips and the fact that I told an agent on the initial fraud call that I had the card in hand at the time of the phone call. Even a hypothetical situation where my card was stolen from my wallet and used, then replaced without my knowledge, still was not enough fraud or impetus to reopen the claim according to their policies.
They did not call the businesses in question ( as I did ), they did not research the legitimacy of the establishments ( as I and XXXX did ), Capital One did not confirm any security camera footage or produce batch receipts from the businesses in question, and they certainly did not conduct a fair and thorough review of my claims. Further insinuating that I improperly benefited from these small transactions and barring me from disputing or appealing their investigators finding is even more troublesome than the initial fraudulent charges. This suggests I am not the only one who has been treated this way. It also suggests gross negligence on behalf of Capital One Bank, a major American financial institution, in dereliction of oversight on commercial credit accounts. They have violated their fraud guarantee and covenant with me and my business.
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09/30/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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I lost my job and prior I informed Capital One Bank that I may be late on payments due to a transition in my employment. After being unemployed the account was closed rather charged off by Capital One Bank. Prior to the charge off I inquired about a debt protection program I had been paying for in the event of such an event. I was later told that Capital One Bank no longer offered the service. I do n't recall ever receiving any such notice regarding this matter which I was certain I had been paying for since I opened my Capital One Bank card. Again the account was Charged off and closed by Capital One Bank. I started getting multiple calls in regards to the debt from now XXXX XXXX XXXXXXXX XXXX which on numerous occasions I informed the Capital One Bank I was not working and still to this date am not working in a full time capacity to cover all of my expenses. I continuously receive calls up to 2-3 times daily from XXXX XXXX XXXXXXXX XXXX. Then family members started getting calls and relayed to me that XXXX XXXX XXXX XXXX was calling in regards to debt that I owed XXXX XXXX XXXX XXXX and they needed to have me call them to pay my bills. A call from a XXXX XXXX was received by my husband who is not on the card. Now I am receiving letter from the company stating the charged off account with Capital One Bank ( which was charged off ) will be placed with a law firm by XXXX XXXX XXXX XXXX. The letter also states legal litigation will take place by a court hearing to raise any applicable defenses or property exemptions and that judgement are a matter of public records. This letter was sent from a XXXX XXXX with a number of XXXX ext XXXX. I do n't understand how a XXXX XXXX XXXX XXXX can repeatedly call family member and talk about my personal business, call 2-3 times daily, the bill went from {$5000.00} to {$5900.00}, and in addition threaten me with legal action. Such action especially would have a large impact on my credit which will have a large impact on my finding employment as companies today view credit history. Unfortunately a life change event happened and I am trying to rise above this and honor my financial obligations but when I 'm being threatened this is not fair and I am disputing the actions of XXXX XXXX XXXX XXXX.I lost my job and prior I informed Capital One Bank that I may be late on payments due to a transition in my employment. After being unemployed the account was closed rather charged off by Capital One Bank. Prior to the charge off, I inquired about a debt protection program I had been paying for in the event of such an event. I was later told that Capital One Bank no longer offered the service. I do n't recall ever receiving any such notice regarding this matter which I was certain I had been paying for since I opened my Capital One Bank card. Again the account was Charged off and closed by Capital One Bank. I started getting multiple calls in regards to the debt from now XXXX XXXX XXXX XXXX which on numerous occasions I informed the Capital One Bank I was not working and still to this date am not working in a full-time capacity to cover all of my expenses. I have received calls prior to XXXX XXXX I continuously receive calls up to 2-3 times daily from XXXX XXXX XXXX XXXX. Then family members started getting calls and relayed to me that XXXX XXXX XXXX XXXX was calling in regards to debt that I owed XXXX XXXX XXXX XXXX and they needed to have me call them to pay my bills. A call from a XXXX XXXX was received by my husband who is not on the card. Now I am receiving a letter from the company stating the charged off account with Capital One Bank ( which was charged off ) will be placed with a law firm by XXXX XXXX XXXX XXXX. The letter also states legal litigation will take place by a court hearing to raise any applicable defenses or property exemptions and that judgment are a matter of public records. This letter was sent from a XXXX XXXX with a number of XXXX ext XXXX. I do n't understand how a Capital One XXXX XXXX can repeatedly call family members and talk about my personal business, call 2-3 times daily, the bill went from {$5000.00} to {$5900.00}, and in addition, threaten me with legal action. Such action especially would have a large impact on my credit which will have a large impact on my finding employment as companies today view credit history. Unfortunately, a life change event happened and I am trying to rise above this and honor my financial obligations but when I 'm being threatened this is not fair and I am disputing the actions of Capital One Service LLC.
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09/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Due to the global pandemic a flight that I was planning to take was canceled, the Airline offer me a voucher but the conditions of the voucher didn't work for me, I contact the Airline to request a refund and they refuse to do it, however the US department of transportation issue an enforcement notice that passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed due to any situation ( including the pandemic ). The Airline was not helping to fix the issue at all, even after sending them the notice so i decided to follow the situation with my credit card Company ( Capital One ) As soon as i talked with Capital One they refunded the amount of the flight tickets, i informed them about the documents that i had to proof that i was right to request a refund but Capital One informed me that these documents are not needed until the Merchant reply to them. After two or three months nothing happen until I saw that Capital One Charge me again the amount of the flight tickets so i contact Capital One, they informed me by phone that i need to provide more information, they asked me to write a letter and a few more files that i did not have available at the moment so i start gathering all the information and i finally submit the files on XX/XX/XXXX. I even talked with Capital One that same day because i had an issue with the link so they send me a new one so i can submit the files.
It turns that Capital One cant longer assist me because i didn't submit the documents on time, the due date to submit the documents was XX/XX/XXXX but i was not aware of the time frame. I was informed until XX/XX/XXXX about the time frame but even then that day Capital One asked me for more time to review the documents that i submitted.
I called them again on XX/XX/XXXX and they finally informed me that there is no way they can assist me because i miss the due date, during this phone call was the first time they told me about a letter which was the only method they use to inform me about the due date, i told them i didn't see the letter and that i was not aware of the due date until XX/XX/XXXX when i speak with them, I talked with a supervisor that day and she told me that she will check the recorded phone call because she was sure that they must have informed be about the due date by phone as well.
I called them again today XXXX XX/XX/2020 XXXX to see if they review the records, they didn't and only told me the same story that since i miss the date they cant do anything else.
I'm not agree with they conclusion, and that is the reason why I'm filling this complain, I'm not agree because they gave me very little time to submit documents that i informed them the first time i talk with them, i realized that i needed to send them the documents after i saw the charge back in my account, not because Capital One contact me to inform me. Also, I was not aware about the due date and the only communication method that they use to inform about the due date was a letter winch I found not a proper method to inform about a time sensitive situation because the letter can easily take the entire time frame in transit. The charge was back in my account on XX/XX/XXXX, I saw it on XX/XX/XXXX and I submit the document on XX/XX/XXXX. If I knew there was a due date I wouldn't wait that long, the problem is that I was informed about the due date until XX/XX/XXXX.
The current situation is this, since Capital One dispute the charge, the Airline cancel the voucher but is still not responding for my refund, Capital One confirmed that they already paid to the Merchant. I have documents to prove my rights to request a refund but the Airline is not answering my emails and they have told me in the past three days that their system is down and that I need to call them the next day. Capital One not only was unable to assist me but they make the issue even worst for me because the vouchers are cancel and I think that the Airline is hesitating to refund because they are afraid that the bank will dispute the charge again and they think I'm taking advantage f the situation, they didn't told me that but they make me feel it in one of the previous phone call that i had with them.
I found Capital One 's service incompetent, they set a very tight due date without properly informing the customer when they gave 90 days to the merchant to respond, i pay an annual fee to this credit card so I think I'm not asking to much with a more effective communication from Capital One to the customer about a critical due date.
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09/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I rented a car with XXXX / XXXX and my reservation was for a total of {$300.00}. The rental agreement confirms that amount in Euros ( XXXX ) and also states that a XXXX deposit will initially be charged to my card along with the rental price. Based on that, I should have been initially charged XXXX Euros ( XXXX + XXXX = XXXX ).
Instead, the merchant charged me {$660.00}, and upon return of the car refunded the security deposit of {$260.00}. Upon subtracting the security deposit from the initial charge, I realized that I was overcharged by approximately {$100.00} ( {$660.00} - {$260.00} = {$100.00} ).
When my attempts to contact the merchant in XXXX, XXXX, failed, I decided to file a dispute with the credit company that issued the card that I used to pay for the rental.
XXXX XXXX XXXXs dispute resolution is completely dysfunctional and I suspect that it is designed to be so. Following an initial credit for the disputed amount, XXXX XXXX quickly informed me that upon review they noticed a refund from the rental company that exceeded the amount of the dispute. They quickly and erroneously concluded that the dispute was resolved and charged back to my account the disputed amount. I explained over the phone that the refund that XXXX XXXX was showing was for the security deposit rather than a result of the dispute. To continue with the dispute, XXXX XXXX requested that I deliver evidence supporting my position, and they provided a secure link through which to upload the evidence. When I uploaded a copy of the rental agreement, XXXX XXXX claimed that it was not legible. Needless to say, the copy was perfectly legible when it was leaving my computer. XXXX XXXX then provided another secure link and requested that I send the agreement one more time. I complied with that request only to learn by phone that my documents were never received. At that point, I asked for an alternative mode of delivery. XXXX XXXX provided two fax numbers, and I faxed a copy of my documents to each one. No action was taken by XXXX XXXX, and I followed up by phone. When talking to an agent who identified herself only by the first name of XXXX and employee number of either XXXX XXXX or XXXX XXXX, I heard a long list of explanation why XXXX XXXX would not be able to assist me. First, XXXX offered to be " honest with me '' and informed me that my documents were delivered past a deadline of XX/XX/XXXX. She was not receptive of my explanation of why the first two attempts to deliver my documents on time did not work. Next, she attempted to argue that the rental agreement that I provided was not really an agreement. Instead, it was just an estimate of prices. I pointed her to the section of the agreement that clearly stated that we were looking at the Rental Agreement Summary. I also explained that the pricing reflected in it may have had some contingency built into it to cover instances such as late return, failure to fill up the tank etc. And that only to that extent, the prices were estimated. But since I returned the car on time, full of gas, and with no damages, the pricing was final. As a last resort, XXXX insinuated that I had " doctored '' the rental agreement in two ways ; a ) things were " handwritten '' into the contract, and b ) half of the agreement was cut out by the way I zoomed in on it to take a picture. I explained that the rental agent wrote by hand the relevant portions of the contract into their template, and had me sign it also by hand. Upon return, another agent handwrote additional input such as mileage, date and time of return, as well as that the tank was full, and the car showed no damages. She refused to accept that there was only a small margin on the left that did not fit into the picture. She also refused to receive a better copy which I offered to deliver. Throughout this combative discussion with XXXX, I requested repeatedly to speak to a supervisor, but each time she claimed that she was the supervisor. She finally gave in to my request and handed the call to another supervisor still arguing that there was nothing else that XXXX XXXX could do to assist me. The new supervisor went over my documents, confirmed that they were received on time, and did calculations. She also reached out to the rental company whose representative in the US promised to obtain more information from their international reservations. As of today, more than two months after I returned the rental car, I am still being overcharged by {$100.00} and XXXX XXXX has done absolutely nothing to bring a resolution.
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12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XX/XX/XXXX, I took a backpacking trip to XXXX Along the way, as travelers do, I made purchases with my Capital One Credit Card. On *approximately XXXX I noticed a charge to my credit card of {$5300.00}. I immediately called Capital One to file a dispute. The only merchandise I had purchased to date was a souvenir bracelet with a value of under {$20.00} from a female vendor. Other purchases were for food. Based on the name of the transaction XXXX XXXX XXXX I assumed this was her, and that it was likely that the Chilean peso to USD currency conversion hadnt gone through correctly. I called Capital One, said exactly this, and was told this would be resolved as this is a common error when traveling out of the country. This of course, can be verified with recorded calls.
Fast forward some time, and this large sum has been added back to my account. To my surprise, I call Capital One and am told there is insufficient information to process the claim and I am responsible for this charge! I looked through my receipts from vacation and can not find one that matches this amount- in pesos or USD. For accuracy, the charge back to my account was a different amount of {$5300.00}. I started doing my own deeper dive as I can assure, I have not made this large purchase on a backpacking trip through XXXX XXXX.
After finding a business card for the bracelets I did purchase, I was able to find the merchant on XXXX XXXX. I immediately connect with her and she graciously looks through her transactions for a charge matching mine. No luck. At this time, I compare her merchant name to my credit card statement, and discover that my initial assumption that she was XXXX XXXX XXXX was incorrect. I was incorrect to file dispute vs fraud initially.
My transaction with her was about three transactions after the $ XXXX charge for {$17.00} under XXXX XXXX XXXX XXXX A reputable merchant.
As I was incorrect in my initial filing of a dispute vs fraud, I immediately contact Capital One on XX/XX/XXXX to now file fraud. I do not recognize this large charge.
Capital One opened and immediately closed my fraud case on XXXX basically stating there isnt sufficient evidence to file fraud. Upon speaking with one of the fraud managers ( on a recorded line ), she attempted to find a contact for XXXX XXXX XXXX with no luck. No phone number, no e-mail address, no physical address, no website, no social media. Nothing. Which is odd for what the manager relayed to me is listed as a home furnishing merchant. I did not purchase home goods on a trip in XXXX I landed in XXXX XXXX XXXX XXXX when this charge happened. Proceeded through the airport, and to my residence. We did not stop for home goods!
However, the manager proceeds to tell me I need to file documentation of the transaction. There is no documentation! This was in fact, a fraudulent transaction as far as Im concerned. I cant find info on the merchant, nor can Capital One ( per the manger ). How would one provide documentation to a ghost company?
I understand the explanation of my card being present for this transaction and how the chip works. I can not explain how this happened, I just know for certain that I did not make this large purchase. This isn't in alignment with my spending history! The only time my card is ever out of my possession is when, for example, a waitress takes the card to run the charge in a restauratn.
I am now left with this charge on my account. Inside or outside the country, I do not make purchases of this size. I have excellent credit and a great payment track record for my Capital One monthly payment. The largest charges I tend to make are for vacations- through reputable companies. I would not make a purchase this large with a back-alley merchant with no actual business, receipts, viable namein a foreign country.
I am seeking further assistance with this matter. I believe I was a victim of a RFID theft device, or something. I can not say. I have no additional information on this merchant other than the charge on my account. Again, Capital One can not locate this vendor either ( per the fraud manager ). Not only am I facing a payment to a large purchase I didnt make, I am also going to accumulate interest. I am extremely disheartened that all of my attempts have been left without a resolution. I did my footwork to recall my charges, and verify merchants. Capital One dropped me at welp, the card was present and thats it.
Im at a complete loss as to what to do. I do not have this kind of money.
Thank you, XXXX XXXX
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11/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I received a phone call/voicemail from ( XXXX ) XXXX ( number is located in XXXX, MN. The woman who left the voicemail said she was contacting me as " they '' have been retained in regards to a " Civil Complaint '' that named me as the " respondent '' and that it was protocol for her to contact me at my employer or contact me directly in order for me to be " charged '' : Voicemail Transcript : " This message is intended for XXXX XXXX, we have been retained to process and facilitate a civil complaint which named you as the respondent. It is protocol to locate you at either your place of employment or your residence in order for you to be charged. Prior to our client taking legal action we are attempting to contact you first directly. In order for you to get a statement of success through mediation, please contact the mediation department at XXXX otherwise we'll have to list this as a direct refusal and you will be notified through appeal. This is your official notification. '' After being very concerned I contacted the mediation number they provided ( XXXX ). The woman I spoke with had the last XXXX digits of my social security number and previous addresses. She stated that this was in regards to a credit card from XXXX bank that I had taken out in XXXX. She provided me with a card number XXXX ( which proved to be fake ). She told me the amount owed was {$1600.00}, I asked her why I had not received paperwork in regards to this and she indicated it was being sent to an old address ( which I confirmed with my mother she hasn't received any mail for me in years ). I asked her for the documentation so I could see it prior validate this, she informed me that in that case I would have to wait until I go to court. I panicked and she offered me a settlement offer, if I paid the amount today she would cut the amount from {$1600.00} down to {$1000.00}. She said she would transfer me to a payment department, they would provide me a receipt and documentation indicating the amount was paid and would not impact my credit. After being transferred I was sent a link, where I was to sign a document in regards to disputing the charge, I completed the transaction and they gave me a confirmation number XXXX.
I then took a look at their emails and tried to look them up to ensure that they were a legitimate organization what I found was : XXXX Investment Group - Doesn't exist as a credit agency XXXX XXXX - Doesn't exist as a credit agency The below doesn't exist, the address is a parking lot in XXXX, GA. The phone number is a known robocall.
Restitution Clerk XXXX XXXX XXXX. XXXX XXXX, GA XXXX TEL : XXXX I then contacted XXXX, whom this group said they represent. I asked if this was a legitimate charge and could they validate this company was associated with them and the below information was accurate : RE : XXXX XXXX Original Lender : XXXX Account Number : *XXXXXXXXXXXXXXXX Reference Number : XXXX Balance Paid : {$1000.00} Balance Due : {$0.00} The agent I spoke verified this was not a valid account number or card number, I was not in the system and that none of the phone numbers these people provided, were listed in their directory, this was indeed a Scam.
I also contacted Capital One immediately to report that this was a fraudulent charge and that I wanted it disputed and reported, they canceled my credit card, issued me a new card and issued a temporary credit, under a XXXX Complaint.
I then contacted the XXXX, MN police department and filed a police report ( Case # : XXXX ). The XXXX I spoke with, XXXX XXXX, advised me that it is a normal practice for scammers to seek out companies who sell information and purchase the last XXXX digits of consumers XXXX & prior addresses ( usually obtained from past utility bills ).
I then contacted Capital One today ( XX/XX/XXXX ) to report my follow up actions. My concern is that although they issued a temporary credit, the woman I spoke with said the charge wasn't necessarily disputed and it could still potentially post to my account. She said if the transaction does post to my account, then I should dispute it. So I have to potentially go through this entire process again. She indicated that because a XXXX Complaint was filed it could be deemed that I was a willing participant in this scam. How is that possible when these people falsely represented themselves on behalf of XXXX, threatened legal action against me in a civil complaint, told me I would have to go to court, and also threatened to impact my credit.
PLEASE HELP!!!!
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07/15/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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My name is XXXX XXXX a self employed XXXX in XXXX, MA. I switched to Capital One in XXXX after 22 years with XXXX XXXX XXXX. My decision was simple. I wanted a different and more personal banking experience.
Admittedly, I have had my shares of mis-steps in overdrafts or balancing being a newly self employed realtor, caretaker, wife and XXXX.
In XX/XX/XXXX, I made another bad decision to save money and switched from XXXX XXXX XXXX ( which I had for over 10 years ; I purchased this plan when I purchased my house in XX/XX/XXXX ) ; and joined XXXX XXXX XXXX and purchased a 3 year plan. It was a horrible decision, because not only ( after the 30 days probationary period ), I was told the items that I arranged to be fixed, that I would have to pay a fee for the service calls, parts and labor - which I was never charged for with XXXX XXXX XXXX, not to mention, they use the same technician, who also advised me that this company is not what the say to be, he gets paid regardless, but see how they charge their clients and are notorious for denying claims. Needless to say, I immediately cancelled XXXX XXXX XXXX and have the proof to demonstrate this. I didnt even bother to dispute the service charges paid to the technician to them, I wanted this relationship to be over. After several calls, XXXX XXXX XXXX, refunded me {$350.00} which was for 1 year of the 3 year plan. They are refusing to refund me the remaining balance, which is how the claim was initiated - I am requesting the remaining two ( 2 ) years. After several conversations with different supervisors at Capital One ( Some seemingly understanding, others not ), I have emailed over correspondence, the original warrantys, offered to have a 3 way conversation with the vendor so, Capital One can hear them lie to me I have called my local Investigative reporter at XXXX - XXXX XXXX, whom called them and they told her they would issue an refund ( I have the email from the after her conversation ), but they were dishonest with her also.
XXXX, XXXX - Complaint - CapitalOne - 360 This is NOT an issue of buyers remorse, but as a Mother and caretaker of an XXXX XXXX XXXX mother with XXXX, a husband that is recovering from his second bout with XXXX, every penny does count. I want to spend my money where I want to spend it and THIS company is NOT deserving. I cancelled their services literally within 2 months after signing a contract - if they wanted to charged me for that month, I wouldnt have fought it, but to charge me for two years, is unacceptable, unethical and fraudulent. I have proof that I contracted with XXXX XXXX XXXX and pay them monthly and not only did they service my appliance, because it wasnt repairable, they replaced it and ALL I paid out of pocket was the {$100.00}, my plan promised I would have to pay.
Furthermore, I am truly disappointed that a bank I chose to protect and represent me has caused me this much frustration and grief. Its almost like they dont believe me and feel Im lying and and siding with this fraudulent company. I tweeted capital one yesterday and got an immediate response, I was super excited, finally someone is going to listen, only to get a response that was cold and callous and prompted me to send an letter to you with hopes that Capital One isnt going to let me down and someone will call me and give me the personal one on one attention ( Capital One says it will be and the different bank it advertises to be ) ..
otherwise, Ill go back to XXXX, at least I know they will protect me.. at whatever cost.
In these scary times one of the things that can be respected is honesty and integrity.
My bank expects as a customer I will not engage any nefarious behavior and will protect my interests accordingly. As a customer, I expect my bank to do their due diligence and protect me as a customer and not make me feel like a thief.
I am respectfully asking for Capital one to further investigate this matter. I am not looking for any compensation of the all the overdraft charges I was charged as a result of these reversals fo the 3 times I have called to dispute these charges, but I am asking for my bank to really research, because if they did merely of my account, they would see that I paid another company the month they said that I continued service and I have the contract to prove it.
Thank you in advance for your time, consideration and cooperation in this matter.
I can best be reached via email at : XXXX.
I look forward to receiving a response.
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
|
04/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
I have a situation where I have been dealing with emails and text messages in reference to job. Imagine getting an email now with the scammer harassing you and constantly sending you emails and text messages. Then they'll change their email and create a new number text you ... and create a new name and then text you and email you again and again on every social media, you receive silent phone calls ..with them over the phone and you're going hello hello. Then you receive emails and text messages text messages saying that they know every single information about you without you even texting a word back. That without saying anything they know your most current account information. That it's right there in front. I turned to banks such as Capital one to explain the situation, companies, FBI, Identify theft.gov, police, XXXX XXXX, XXXX etc to send and make aware to all accounts and authorities if that anything unknown to me contact me immediately to verify. I felt baffled lost and confused. Now imagine trying to explain to Capital one I'm a victim no one is not really listening to me. Since XX/XX/2019. I tried over and over again to protect myself and reach out to authorities nothing so instead I receive mind over bending text messages no matter what I do on my phone and accounts. Capital one says because I'm a victim I am along side by side with the scammer who is harassing me knows all my information. I should not have to suffer with a permanent marker of not at least with an account for financial safety. You contact authorities and companies nothing. You get contacted through emails, phone calls, text messages with scammer continuously harass by creating different names, numbers and emails by scammer through social media, text messages, non stop and I mean non stop phone calls with the person these persons not saying a word in the constant changes of phone numbers while they silently stay on the phone with you saying hello .. hello ... that without a doubt they have all your information without you having to respond. Now Capital one blames me and made a decision without me. Not looking into my past or putting security. Now once again imagine contacting authorities and government officials and reporting putting alerts the situation and nothing. I tried to tell Capital I am a victim. You get harassed so much by scammer constantly changing their numbers, emails and names and phone calls and messages about '' how they know my account information is right on front of them. " Now imagine leaving XXXX because no authorities will help you and you flee XXXX and your apartment because know so much about you ... now you're walking around in another state and oh look here comes the text messages and emails and phone calls. I would like Capital One to know I'm a victim. It's nit fair I have a closed account without awareness and protect that I'm a victim. Do you have any idea the fear behind not being able to have a piece of mind. Not a day months and months of being alone to be not protected because no one is not listening.i cried over the phone and I tried to tell Capital one it is I receiving scams. I have no technology or multiple banks or the connections. Just minimum wage .. XXXX XXXX XXXX XXXX or hostels or on social security disability. The effect of leaving my apartment with nowhere to go.i don't have any scammer partnership which is not fair Capital one. Username and password ... '' we have all your information ... Scammer says '' No Capital says " yeah Capital one say " XXXX you may be a victim but it's your fault you participated '' that's not fair. A victim is a victim. A protected account so if anything that does not look right reverse what ever scammer is trying to do to victims account. No one has a clue what's it like to contact government agencies and authorities and companies and no protection on identify and accounts or no safe feeling on social media, home, work, phone and text and emails. So when those deposits were made the word fear stepped in because they know and knew my information. I've been running literally left XXXX seeking help nothing and now in XXXX XXXX reaching out to Capital one desperately pleading. Nothing just " okay because you're the victim and you were scammed you are to blame Mrs. XXXX we closed the account without your presence or the fact you are a victim of fraud. Don't bother to elaborate the fact that before the scammers deposits into your account and you are at fault '' " with the scammer even though you are a victim of fraud???
|
11/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
I opened up a Kohl 's store card on XX/XX/2018. I waited for a bill and a credit card to be issued but they never were delivered. I went to the Kohl 's store in XX/XX/2018 to investigate because I felt certain that the clothes I purchased on the to-be-delivered Kohl 's card would be due. I was told by Kohls ( in XXXX, VA ) that it would be delivered and not to worry. I had no account number at this time either.
In XX/XX/XXXX I received a letter from Kohl 's with a subject heading of " RE : Application Number : XXXX '' also addressed to the WRONG ADDRESS. It was close enough that it was delivered to my home eventually. It stated I had a Kohl 's credit card ( which I had years ago and had closed ). It further stated that it could not process the application and to call them at XXXX to get assistance and a " replacement '' card.
Soon after receiving this letter in XX/XX/2018, I called on XX/XX/2018 to " Kohl 's Customer Service Contact Center '' at the above noted number. I spoke to XXXX ( agent XXXX ). She immediately told me I had late fees. She could also see where the previous Kohl 's credit card was cancelled. I explained I had never received a new Kohl 's credit card, the one I applied for in XX/XX/2018, and that I also had no billing statements either. She explained that a new card had never been issued, and I also pointed out that they had the wrong address for me as well. She fixed this and took off the two late fee charges. She also had the credit card generated.
The credit card eventually arrived at my house. In a separate mailing, I received my first billing statement two days before it was due. I immediately paid it once I received it by mailing a check. I viewed my account online today for the first time and I see where the check was credited to my account on XX/XX/2018 and the bill " due date '' was XX/XX/2018. I received the billing statement on XX/XX/2018 and mailed the check on XX/XX/2018. I had an outstanding bill of {$52.00}. On reviewing all of the charges from XX/XX/XXXX until XX/XX/2018, I see that the original amount of money owed on goods was {$41.00}, then a return which credited the account in XX/XX/XXXX for {$5.00}, for a grand total of {$36.00}. I realized as I composed this complaint that although Kohl 's removed the fees for the two months, they incorrectly charged me interest during this time. When I paid the {$52.00}, I overpaid by {$15.00} without realizing it.
There are two issues. First : I have been charged late fees and interest on the " late '' XX/XX/2018 bill, the bill of which was delivered two days before it was due. This was the first bill, and Kohl 's failed to issue it in a timely manner to me, even after I had the address corrected. Kohl 's did not leave me adequate time to pay the bill before the due date because they failed to provide the billing statement to me in a timely manner. Second : I was overcharged with interest fees that should have been removed and were not. I am also owed $ XXXXrefund for this overcharge in interest.
I assumed Kohl 's would rectify problem of late fees and interest but they have not.
Today I went to the store that I purchased goods from and opened the credit card in XXXX, VA, and spoke to their customer service. They said I had to call Kohl 's directly as they could not assist me with this problem.
I then called Kohl 's Customer Service about this, and was told they would do nothing to fix this, that it was my problem and that I now owe the outstanding amount due to fees and interest of {$140.00} -- all originating with their failure to issue the FIRST correctly addressed billing statement and having it delivered two days before the bill was due. As I stated before, I immediately paid it once I received it. " XXXX '' at the help desk ( I failed to write down her agent ID ), told me that this was my problem, and that I owed the money even after I explained all of this to her. I told her I would be contacting the Virginia Attorney General 's office about this to report and she said she would no longer speak to me about my account.
I decided to start with my problem here before contacting the AG 's office. I do not owe this money in fees and interest because Kohl 's failed to provide adequate time for me to provide payment in a timely manner. I also have excellent credit and am concerned about how Kohl 's malfesance and negligence impact my credit history.
I also do not think it is right or just to pay this money to them that they are not owed.
Thank you for your assistance.
|
04/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
When i applied for my account with Capital One via my online application, and they asked me for my Social security number and they confirmed that the account was opened on XX/XX/XXXX using my social security number which is an obligation of the U.S. and also defined under Truth-in-lending Act ( TILA ) or Regulation Z as My credit card for my open end credit plan, and i am the authorized officer as defined by 18 U.S.C 8. So i asked. Capital One to Validate the debt Pursuant to 15 U.S.C 1692g, and they have failed to validate the debt because " the account was opened online, there is not a signed copy of an application to provide ''. Now This Failure to comply with my above mentions request for validation pursuant to federal law is mandatory and failure to complete any part of the request is a federal offense when attempting to collect on a debt. So then i put Capital one on notice, that my billing statement was in a positive balance which is attempt to coerce me to believe i actually owed a debt. which is another violation of the FDCPA ( regulation F ) 15 U.S.C 1692e ( 2 ) the representation of the a false character amount on the billing statement. Capital One was trying to collect on this debt in there company name which is another violation of the the subsections or the FDCPA ( regulation F ) 15 U.S.C 1692e ( 14 ). Capital One has been fraudulently acting as a debt collector during the time that i have had my account with their Financial Institution. This cause me a great deal of stress and anxiety do to my false belief that i had to pay them pay all these years. I was forced to spend time away from my family and go to work and get two jobs just to pay them it began to make me depressed and have panic attacks and miss meals and develop eating disorders because i had thought I had to pay backCapital One and had no other choice. Capital One sent me letters with debt collector symbols which Violates the Fair debt collection Practices Act ( FDCPA ) or Regulation F. 15 U.S.C 1692b ( 2 ) and 15 U.S.C 1692f ( 8 ) Capital One used symbols in their communications with me indicating they are debt collectors. Capital one also failed to tell me they are debt collectors pursuant to 15 U.S.C 1692e ( 11 ) Capital one was supposed to disclose to me that they are debt collectors. FDCPA ( Regulation F ) 15 U.S.C 1692c. I asked Capital one to Cease and Desist the Illegal act against me because it was adverse action to me as the consumer. The number of violations i found under the FDCPA ( regulation F ) 15 U.S.C 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure. I asked for remedy as of XX/XX/XXXX and Capital One continued to discriminate against me. Capital One continued the attempts to collect from me after receiving my cease and desist. i asked them to stop and zero out the balance in the account and increase the my credit limit to $ XXXX and they continued to these unfair business practice according to the FDCPA ( regulation f ) 15 U.S.C 1692f a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Capital one is attempting to collect on interest on my account.
Over these past 5 years. Capital one has also conspired with XXXX, XXXX, and XXXX kept me from extending credit with other creditors due to the fact that they have been tarnishing my reputation making it impossible for me to get a new car, a house and other credit devices. They have reported to the those above mentioned Credit reporting agencies that i have late payments and missed payments, when they have received payments from my open end credit plan so there has been a missed or a late payment. Capital One continues to commit adverse action against me. I asked them to update their records and the refused me.
Capital one has caused me so much stress due to the injuries suffered from their fraud, just trying to remedy this situation with them due to the continued fraudulent activities i hope to get this situation remedied expeditiously.
Thank you, XXXX XXXX
|
02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
This dispute involves a charge account I had with Kohl 's Corporation for over 10 years, which is serviced by Capital One.
In XX/XX/XXXX Kohl 's Corporation notified the three credit bureaus of a single late payment on my account which resulted in a 81 point decrease in my XXXX credit score and similar decreases in my scores with the other two credit bureaus.
In doing so, both Kohl 's and Capital One have violated Section 623 of the Fair Credit Reporting Act, by : - Knowingly reporting information with actual knowledge of errors, - Reporting information after notice and confirmation of errors- and failing to provide me with written notice of their intent to submit negative information to consumer credit reporting agencies.
In addition, XXXX, XXXX and XXXX have violated Section 602 of the FCRA for failing to act impartially to investigate my dispute against Kohl 's and Capital One, which requires them to act as follows : - '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ... .and adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. T - Supporting Information : The late payment was caused by Kohl 's online billing system which turned off AutoPay enrollment for my account without notifying me, resulting in late payments. Even after numerous phone calls with Kohl 's customer service over a 3 month period to restore the AutoPay feature, customer service was unable to fix the problem.
I provided Kohl 's customer service with a confirmation email which I received from Kohl 's on XX/XX/XXXX confirming enrollment in AutoPay as of XX/XX/XXXX which was never cancelled by me- which they do not dispute.
Kohl 's refunded the late fees but refused to remove the negative information submitted to the credit bureaus even after my request for an investigation. I also referenced a XX/XX/XXXX statement which clearly indicates an Automatic Payment transaction on my account for that month, proving that AutoPay was activated and being used to make payments.
In XX/XX/XXXX I filed written online disputes with XXXX, XXXX and XXXX, providing all of the above supporting information, including copies of the confirmation email from Kohl 's indicating I was enrolled in AutoPay and a copy of the XX/XX/XXXX statement demonstrating AutoPay was actively paying my monthly balance.
As a follow-up to my dispute, I spoke with an Account Specialist at XXXX 's Dispute Department who advised they determined the Kohl 's negative report was accurate. When I questioned how they made this determination, the specialist had no response except " we accept the businesses response that the information is accurate based on FCRA guidelines. '' When asked if they had considered the proof I provided in the dispute showing AutoPay was active then disabled without any notification by Kohl 's, the specialist had no response.
I advised XXXX that it was obvious their investigation was unfairly biased toward the financial institution and that it was inappropriate for them not to take into account Kohl 's billing system errors which I was able to prove but which they seem to have ignored.
I also alerted them about other government and consumer reports of what are in my opinion unfair and deceptive business practices, including : - Kohl 's Online Account Management Agreement takes no responsibility for errors caused by their negligence. This has the potential to result in unfair and deceptive business practices and ultimately may give them the false impression they can act with impunity when dealing with consumers.
- Numerous online complaints on websites like ComplaintsBoard.com showing consumers having the same problem with Kohl 's cancelling AutoPay without notifying the consumer resulting in late payments and negative reports to the credit bureaus, - Over 3500 complaints against Capital One logged by consumers on the Better Business Bureau concerning similar billing problems, - The recent {$220000.00} judgement by the FTC against Kohl 's for violating the FCRA and failing to protect consumers against identity fraud, All of this information shows a similar pattern of behavior as I have experienced but XXXX and the other credit bureaus failed to act impartially and consider ANY of the information I presented which they are required to do under the FCRA.
|
11/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
The following described trouble and phone calls occurred in XX/XX/XXXX and XX/XX/2018.
I applied for and received in the mail a credit card from Capital One. I began using it and after approximately one month I had a sense I should have received a bill and I had not. I called the company to let them know I had not received one.
I reached a representative in the XXXX. She seemed to speak serviceable English and I gave her my complete address. She seemed to indicate that she had made a correction, saying no suite number was included at all in the address they had in the system. At the conclusion of the call, I was under the impression the problem was solved. A week later, I noticed I still did not have a bill.
I called back and asked to be transferred to the U.S. I let the rep know I still did not have a bill. She asked me for my address and I gave it to her. She said it was missing part of the suite number and she asked me for the code on the back of my card. I gave it to her. She said the address was wrong and she changed it. She said my bill was due and my minimum payment was {$40.00}. I agreed to send it. She gave me an address to mail it to.
I called back the following week. Asking where my bill is. I went through the long process to get through, and spoke to a rep in the U.S. who said the bill had never been ordered. She also said they had not received my payment. I had forgotten to send it ( which is always the case when I don't have a bill! ) So I went home and immediately sent it AFTER I confirmed AGAIN my mailing address, which according to the representative was now in the system correctly. I told her to back out the late fee, since I never got the bill and the address is wrong. Now, my call got cut off because the cell phone service in my town is bad, but we had been speaking for a long time and she had my correct information, so there is no reason why the problem should not have been fixed.
Today, XX/XX/XXXX, I finally received my bill and it's a miracle that I did. The address is STILL incomplete! They are missing part of the suite number after having been told it multiple times! My conclusion is that this is not an error, but a deliberate attempt to invalidate my terms.
This evening, I called the company for a fourth time to correct it. It takes a long time to get through to a representative. Then you have to tell the XXXX rep to transfer you to the U.S. Then the U.S. girl wanted me to go through all of the security protocols and I told her I got my bill but the suite number is STILL incomplete. She wanted the code on the back of my card again. I refused. I have gone through all this mess and nonsense and they're saying they're putting through these changes and they aren't.
The rep asked me if I wanted to speak to a manager. I didnt, but I said sure.
I started off with the " supervisor '' explaining everything I have explained to you. My call started to cut out because of the bad reception, but it didn't drop. I heard her mute her side of the call and I kept repeating OVER AND OVER the suite number that they need to correct on my account Now, we had been talking for quite some time and I don't know what she thought was going to happen, but she asked me for the code on the back of my card again. I told her I wouldn't give it. I'm not going to dig out my card again. I have already verified it with the company multiple times. They aren't fixing it. She started up with that " our policy '' nonsense. And I told her I don't give a XXXX about her policy, or possibly with any strong swear word in there. I don't recall.
Then she started with that " if you don't conduct this conversation in a manner '' blah blah blah. When I have been BEYOND patient with these crooks! So that set me off big-time. I started swearing, screaming, and going crazy on her. I said I was tired of BEGGING for an effing bill from this company. I am not taking this XXXX any more. And I dont know what all else, but I am not sorry for one word of it. They are on-purpose screwing with my credit and my account terms. Nothing they say will convince me otherwise.
They obviously have no desire to fix the problem. They aren't solving fraud, they're causing it. They have my credit report, which has my address all over it. NO OTHER company, financial institution, credit industry organization, banking establishment, IRA, 401K, lending office, city, utility, or real estate solicitor has gotten my address wrong. Capital One is the first one. So I know the problem is not on my end.
|
11/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
Back in XXXX, I experienced a billing issue with the creditor. My {$170.00} payment posted on XX/XX/XXXX and not on XX/XX/XXXX when I scheduled it. I immediately emailed Mr. XXXX XXXX a copy of the payment confirmation. A late fee of {$8.00} was assessed and then credited the following day. A rep from the Executive Office, XXXX XXXX mailed me a letter explaining that I scheduled a payment after XXXX XXXX CST therefore it was not processed until the following day. However, I reject this explanation because when I checked my statement and the payment terms, this important information is missing. To add insult to injury, she mailed me a copy of my Sales Contract when I already had it in my possession. Secondly, my concerns were justified since I recently experienced a billing issue with my Capital One XXXX credit card and COVID-19. A simple clarification would have sufficed and there was no need for Ms. XXXX to remind me that I was 8 days late. This is my second vehicle financed with Capital One therefore this is a new stipulation to my payment terms and should have been communicated accordingly in the monthly statement 's section : Important Disclosure and Instructions. Also, when I scheduled the online payment, nowhere did it mention on the website that the payment must be scheduled before XXXX XXXX. This billing issue increased the additional money I will owe after I pay off my auto loan. I requested two extensions due to COVID-19 which I understand contributed to this amount ; but this billing issue should have not. I was within the 10 day grace period which protected me from incurring a late fee in the first place. Then in XXXX my 10 day grace period was removed from my online account and I immediately filed a complaint with the XXXX. I contacted Capital One Auto customer service and a male rep advised that there was indeed a glitch. Only then, did the 10 day grace period return to my account. Ms. XXXX 's ongoing communication with me has been apathetic, condescending, and unhelpful. She refused to address the new issue involving my 10 day grace period and also as to why our current extra balance that we owe after we finish paying out loan, increased to {$200.00}. After my complaint with the XXXX was closed, the balance slightly decreased to approximately {$190.00} and presently it increased to {$200.00}. I am worried that this balance will continue to increase at the creditor 's discretion. Furthermore, when a payment is applied to the account, interest is automatically deducted from that payment therefore I am concerned to why the creditor started to charge additional fees as of XXXX. Please be advised that at no time has XXXX addressed this new matter even though she asserts otherwise. My position remains that this particular representative provided no assistance when I contacted the executive office again with my new concerns and I am unsure as to why my XXXX complaint was forwarded specifically to her. My grace period was indeed removed from my account which is why I filed a new complaint. It is not a coincidence that other customers have expressed the same concerns that I have experienced with this creditor. We will not be financing any other vehicles with this creditor in the near future. Their customer service has become negligent and this representative needs to brush up on her customer service skills immediately. I have forwarded all of her letters to Mr. XXXX and Mr. XXXX accordingly. Due to the ongoing pandemic, the creditor should be more lenient with payment scheduling and fees for all accounts. Their statements should also be updated to advise all customers of payment scheduling terms especially when they differ from their customers credit card accounts. I live in a Florida which is the 3rd state with the most cases of COVID-19 and XXXX has become the epicenter with almost XXXX cases. Due to our economic hardship, we have had no choice but to pay 1/2 around the XXXX and rest before our grace period ends. If splitting our payment is increasing our fees with our auto loan then the creditor should communicate this to me. It is truly a shame that with our first vehicle, we encountered no issues and their customer service was exemplary. Now due to the pandemic, many of their customers have shared their stories on several online forums and they all share the same sentiment as mine. Please, I am requesting that this matter be forwarded to a new representative. I will be attaching all pertinent screenshots and documents to this complaint. Thank you.
|
06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
On XX/XX/XXXX, I mistakenly transferred {$8000.00} from my XXXX credit card ( ending with XXXX ) to my Capital One credit card ( ending with XXXX ). On the same day, I called Capital One to cancel the transaction after which they stated that the cancellation was not possible and that I needed to approach XXXX. I called XXXX to cancel the transaction, and they stated that it would take about 15 days for them to cancel the transaction, which was not alright with me considering that I needed the money sooner. They suggested that I should take a refund from Capital One instead, so I called Capital One requesting a refund and they processed the refund on XX/XX/XXXX.
On XX/XX/XXXX, XXXX canceled the transfer transaction and Capital One paid {$8000.00} back to them, without my knowledge. This payment adjustment was processed on XX/XX/XXXX and this change of {$8000.00} was reflected in my credit card balance. On XX/XX/XXXX, I did a balance transfer of {$9700.00} from Capital One to my XXXX XXXX XXXX account with 0 % interest and I was charged {$290.00} as a transfer fee.
I noticed an abnormal change in the credit card balance of my Capital One credit card and saw that XXXX had processed a cancel transaction even though I had already sorted out the refund with Capital One. On XX/XX/XXXX, I transferred {$8000.00} from an XXXX account back to Capital One in order to settle the extra {$8000.00}. There were insufficient funds in my XXXX account, so I transferred {$8000.00} more from my XXXX XXXX XXXX account to Capital One on XX/XX/XXXX. The XXXX transaction was canceled on XX/XX/XXXX.
Essentially, XXXX told me to contact Capital One to reverse a transaction, but then decided to reverse the transaction themselves by contacting Capital One themselves. This resulted in an extra {$8000.00} in my Capital One account. In order to settle this extra {$8000.00}, I had transferred {$8000.00} from an XXXX account which turned out to have insufficient funds, so I then transferred the {$8000.00} from my XXXX XXXX XXXX account. On a separate note, I had transferred {$9700.00} from the Capital One account to my XXXX XXXX XXXX account with no interest.
Instead of adjusting the {$8000.00} from the payment I had made from my XXXX XXXX XXXX account, they adjusted the funds with the {$9700.00} balance transfer amount and started to charge me interest on the {$8000.00}.
Furthermore, I had specifically done what XXXX told me and contacted Capital One with the refund, but XXXX proceeded with their transaction cancellation anyway without my knowledge. I also had told Capital One that I wanted this adjustment of funds to not come from the {$9700.00} balance transfer, but they did so anyway. Capital One charged me interest of {$150.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX. On top of this, I had already paid {$290.00} as a balance transfer fee. Additionally, Capital One had even frozen my account on XX/XX/XXXX and wanted me to provide evidence that the XXXX XXXX XXXX and XXXX accounts belonged to me. They told me that they would remove the interest rate charge on my account when my account would be unfrozen. The process to unfreeze my account took several weeks and Capital One did not remove the interest rate charges on my account even after claiming that they would do so. I want to sue Capital One and XXXX for this grueling debacle that they have put me through and to get justice for others who may have suffered the same plight.
I also file appeal to XXXX XXXX, how can they allow credit card companies to manipulate transactions and charged interest rates to consumers. These practice should be stopped immediately and enforce strict low immediately to stopped such practice.
XXXX XXXX Posting Date Balance Amount Remark XX/XX/XXXX XX/XX/XXXX {$8000.00} Balance Transfer from XXXX XXXX XX/XX/XXXX XX/XX/XXXX - {$8000.00} Issued check XX/XX/XXXX XX/XX/XXXX - {$9700.00} Availed Balance Transfer Offer ( 0 % Interest ) XX/XX/XXXX XX/XX/XXXX - {$290.00} Service fee for 0 % interest Bal Tr.
XX/XX/XXXX XX/XX/XXXX - {$8000.00} XXXX XXXX reverted Balance transfer XX/XX/XXXX XX/XX/XXXX {$8000.00} Mobile Payment from XXXX Account XX/XX/XXXX XX/XX/XXXX {$8000.00} Realized no fund in XXXX XX/XX/XXXX XX/XX/XXXX - {$8000.00} XXXX XXXX due to insufficient fund XX/XX/XXXX XX/XX/XXXX - {$150.00} Intrest Charged by Capital one Bank XX/XX/XXXX XX/XX/XXXX - {$150.00} Intrest Charged by Capital one Bank XX/XX/XXXX XX/XX/XXXX - {$160.00} Intrest Charged by Capital one Bank
|
11/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
XX/XX/XXXX RE : Account Dispute Checking To Whom It May Concern : My wife and I recently opened a joint checking and savings account with Capital One. We set-up direct deposit from both of our workplaces which was set to be funded on XX/XX/XXXX. As recent XXXX, we received some checks from friends and family. We utilized remote check deposit via phone to deposit some of these funds. We were unable to deposit cash until we received the debit cards so we started with two checks. XXXX check was in the amount of {$150.00} and the other for {$500.00}. Both checks were deposited on XX/XX/XXXX. A brief hold was placed on the {$150.00} check upon which the system indicated funds were made available. NOTE : Although the system indicated funds were available we later found out we can not access these funds via ATM which will be mentioned further below.
We received an email on XX/XX/XXXX indicating there was unusual activity on our account after depositing these two checks and to call XXXX. Upon calling the customer service number, we spoke with a service rep at Capital One named XXXX. She indicated the account was temporarily restricted as they need to verify some additional information. XXXX indicated she needed to contact the issuer of the {$500.00} check to verify they in fact meant to write a check to us. We escalated and spoke with XXXX supervisor, XXXX. XXXX indicated this is their procedure and they are only able to verify the check by contacting the issuer. We indicated we would accept a longer hold even up to 2-3 weeks to avoid contacting the issuer. We also informed XXXX, that we recently obtained a Capital One Credit Card with a {$15000.00} credit limit and have yet to use the card. We further indicated we have substantial deposits in our primary banks, have excellent credit, and no issues that would warrant this type of verification.
In my 23 years of being a bank customer this is the first time a bank would need to contact the issuer of a check to verify their intent especially considering Capital One had already processed the check and funds availability. The check was a wedding gift to my new wife and I, and needless to say this is beyond embarrassing to us. We have never received this type of embarrassing treatment at our banks. We both have been working in the banking industry for over 20 years and know this treatment is unfair.
As a result, we wanted to close our accounts, but now are being held XXXX until the {$500.00} check can be verified with the issuer. We informed XXXX that the issuer is currently in XXXX ; however, XXXX indicated we will not have access to the {$500.00} until the check can be verified.
Since the check has been processed by Capital One we have no choice, but to proceed with XXXX XXXX verification process by contacting the issuer. Additionally, we are not able to access any of the {$650.00} until Capital One is able to verify the check with the issuer. This includes the {$150.00} that was indicated as available to us. As confirmation, I visited the ATM inside of XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX after the call on XX/XX/XXXX and it would not allow me to withdraw any of the {$150.00} in available cash. This process not only appears discriminatory, but we have no access to the funds until Capital One can verify the {$500.00} check with the issuer.
Furthermore, XXXX with Capital One indicated we need to call back and let our friend know once she returns from XXXX that they will call to verify because Capital One needs myself or my wife to be on the phone in order for Capital One to verify with the issuer. Only then will they release the funds to us. The process of speaking with XXXX and XXXX at Capital One between all the holds, kept my wife and I on the phone for over an hour and twelve minutes.
We indicated to XXXX that their process of only releasing funds until they contact the issuer appears to be an illegal practice which my wife and I believe violates Regulation CC.
As a result, we have closed our Credit card on XX/XX/XXXX after the phone call with XXXX and XXXX at Capital One. We cancelled our direct deposit authorizations today as well. We plan to close the Capital One Acct as soon as they release the funds to us which at this point has no definitive timeline until we call Capital One again AND they are able to get in contact with the issuer during our phone call. According to XXXX, if they are unable to verify the funds with the issuer, they will not release the funds with no determined time frame.
|
12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
After taking up this firm on an offer for 0 % balance transfers last year XXXX XX/XX/XXXX XXXX, I had noted in my personal notes when that offer would expire which, unlike most of your offers that Id experienced, was 12 months from acceptance ( most of the offers I remember from Capital One were for 18 months ). Unfortunately, I simply transcribed the offer into my calendars as if it were 18 months, not 12. These days, with all of our busy schedules, I simply made a transcription mistake and I own that. I also own that the customer is responsible for keeping track of such things.
But I also have never had an issue quite like this with Capital One in years and years of card membership, since XXXX, and was hoping for a little leeway and sympathy especially because I offered to pay that balance off immediately. Sadly, that was not the case.
When I called in to your call center in XXXX of this year, even with full knowledge of COVID taking its toll on most folks finances mine included your representatives were most unhelpful. I was first told that no exception could be made for the {$71.00} interest charge because I had called in a few months earlier and gotten a credit for a late fee. This credit was granted not through any fault of my own, however. The card was set on autopay, to pay the interest-avoiding balance. However, your software contains a flaw wherein the app can not always seem to be configured with this convenient option. So this credit was through Capital Ones own internal systems error, not my own oversight.
When I explained this for over an hour to both the initial call center person and then even after I spoke to a manager, I was granted absolutely no leeway. I was given nothing NOTHING even though Ive been a cardmember for years and have given Cap One plenty of business. Due to this treatment and extreme rudeness on behalf of your call center folks, and lack of basic human decency, my business will never again go to Capital One.
On top of that, I notified them that I would not be responsible for any of the late fees, current balance, nor interest charges currently on the account.
I show : XXXX -Interest Charge on Purchases : {$2.00} bill was set to autopay in full -Past Due Fee : {$25.00} XXXX -Interest charge on purchases {$71.00} this was connected to Bal xfer XXXX -Interest {$0.00} Total : {$98.00} I will not be responsible for this not because of contract or the agreement, but simply because of the rudeness of your representatives, lack of benefit of the doubt, and insane amount of valuable time wasted trying to clear this up. I find it laughably ironic that your online welcome page even says, Were here to help our customers during COVID-19. Now that takes some balls.
I am saddened that I even have to write this letter. I know to you, XXXX bucks probably isnt worth it. But to me, it is, and further the amount is not the point. I am a reasonable person and would have taken a reasonable solution no problem. But this treatment and the associated headaches mean Ill never do business with Capital One again and will not be responsible for any current balance outstanding on the card unless this is rectified ex post haste.
After receiving Cap One 's XX/XX/XXXX response letter, I again called customer service, again spent unnecessary hours on the phone, again spoke to a manager, and was AGAIN told there was nothing they could do except waive a {$1.00} interest fee. I purposely try to avoid fees and was willing to own any fees/charges I accrued from when I called back to the initial date interest started to accrue. This offer was rejected, and rejected again. The {$1.00} fee waiver was a joke and no indication that my financial relationship with Capital One was simply not important to them. I also know that " manager '' of a call center is not the ultimate decision maker here, and was never connected with someone who was, despite being polite and requesting and explaining my case. If it wouldn't hurt my credit, I would've canceled this card already.
Then, despite sending multiple letters of protest and asking for a resolution, I never got one, so I withheld payments, thinking that maybe THAT would prompt something. Instead, they reported my payments as late and hurt my credit - this for a nearly decade long client. That's indefensible.
I am thoroughly disgusted with these people, and they owe me the above-mentioned fees and interest as far as I'm concerned. This is not about law ( a CC contract ), but equity, and good customer care.
|
05/27/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
I have 3 credit cards with Capital One. Two are general credit cards and one of them is a Walmart credit card ( store specific ). I have been with Capital One for many years - for, at least, 10 years and I have an excellent history with them. I usually pay my bill in full every month and I always pay on time. Absolutely always. Never late and 99.9 % of the time in full or almost in full. My credit score is somewhere in the mid-700s depending upon the credit check website that one uses.
I have had my Walmart card for several years. In fact, it was originally with XXXX XXXX when I opened the account. Over the last couple of years (? ) - not exactly sure it has been that long as time seems to blur - Capital One took over this credit card from XXXX XXXX. I thought : " Okay. I am familiar with Capital One and they are familiar with me. No problem. '' I received my new Walmart card several months ago - the Capital One version. Now, when I go on the website to check my other Capital One cards ( two others ), I can see my Walmart card account at the same time. Convenient. Except this month I noticed that the Walmart card account was greyed out and it said " Account Closed. This account has been restricted. '' WHAT??? Completely out of the blue.
Again, I am not 100 % clear as to how long XXXX XXXX has had the account but not that long, it seems. But, they have known my excellent history with credit for 10 years. So, I called them to ask why was this account closed.
I was told that it was closed due to inactivity. I can not go through my statements as the account is greyed out but I do use the card. Specifically, it is a card that I was looking forward to using on my next trip to Hawaii ( where I know that I used it a lot the last time that I went ) because my son lives there and I use the card a lot to buy him things and help him out. I am waiting for all of us to get through this COVID 19 pandemic before I can see him again - hopefully, in the near future.
I tried to explain this to the representative and stressed that this card is very important to me. Also, as an older woman who is alone, it is very important to me because Walmart has affordable groceries and, most importantly, they can deliver their groceries and - god forbid - should I become seriously ill, I am completely alone and without family or support. Therefore, I have always taken a lot of comfort in having this credit card.
I did some research on the internet as to why my account was closed beyond what they said that I did not use it recently. After reading further, I realized that - of course - credit card companies have a finite amount of credit that they are allowed to give out at any one time. Of course. Makes perfect sense. But, I do use the card - there has just been a lull.
In fact - if my memory serves me correctly - I think that I lost the card when I went on the website a few months back to order some udon noodles. I reported it promptly and I believe that I got another card but in the interim, I needed the udon, so unfortunately, I used another card to buy the noodles ; otherwise, I would have preferred to use the Walmart card because of the perks of using a store-specific card. However, it seemed to take a bit for me to get the replacement card. That was just a few months back.
My credit limit on the card was {$4000.00}. Okay, so, I understand that they closed my account because they were not making enough business off of me and they wanted to take that credit elsewhere. How disloyal. They could have easily lowered my credit limit - cut it in half, for example. {$2000.00} saved and a satisfied loyal customer maintained.
I was told over the phone by their customer service that if I wanted the card, that I could apply for it again. What??? Yes, I really wanted the card. How silly is that to close someone's account - with a pristine record - and have them apply again for credit? Well, I did. I was DENIED. Absolutely ridiculous and frustrating beyond belief. My credit score is even better than when I opened the original account with XXXX XXXX several - yes, several - years ago. So, my account was closed ( which does not help my credit score ) and then I was counseled by their not-so-knowledgeable customer service that if I really still wanted the card that I should re-apply for it and I did ... another hit on my credit score - and I did not get it.
I am very upset and I deserve much better treatment than this. I deserve to have my Walmart credit card back, functioning.
|
11/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On Monday XX/XX/2019 we purchased an airline ticket for our daughter through XXXX XXXX a XXXX Airline company. The airline ticket was a non-refundable ticket but according to their website reservations could be modified.
On XX/XX/2019 our daughter was in an accident and received emergency XXXX and was unable to fly on her scheduled flight with XXXX XXXX on XX/XX/2019.
We made many attempts to reach XXXX XXXX to reschedule or receive credit. We tried calling the numbers listed on their website and tried to reschedule using the " modification '' option that was listed on their website. After many attempts for over a month without any responses or help from the airlines we decided to file a dispute with the credit card that was charged. In mid XX/XX/2019 ( exact date not available ). We decided to dispute the charges with Capital One MasterCard for the amount that was paid for the flight, {$650.00}. Capital One provided us with a Provisional Credit and asked us to fill-out a form. We did exactly what we were asked. Capital One provided us with a Case # XXXX and 10 days later we received a letter stating that with the information that was provided to Capital One Dispute Department, they were researching our claim and it would take approx. 90 days.
On XX/XX/2019 I noticed online that the amount that we disputed was put back on our credit card. I immediately called Capital One to find out why we were being billed the amount we disputed. At that time we were told that the Claim was closed due to insufficient information. I was upset and confused because we provided a 3 page letter clearly describing our concerns. On this conversation, I learned from the Customer Service Agent that our letter wasn't received. Immediately documentation was re-sent. On XX/XX/2019 I called Capital One again to confirm that they received our documents and the Agent confirmed they were received. At that time I was given a new Case # XXXX for this Dispute. I called again on XX/XX/2019 because I was informed that a decision would be made in the next few days and wanted to follow-up on the status of our claim. The Agent was unable to confirm that any documents were provided and seemed very confused as to if we had an open case at all, the Agent continued to tell me that our case was closed. I asked to speak to a Supervisor, the Supervisor ensured me that the case was open and it had until XX/XX/19 to be resolved because according to the guidelines of MasterCard the case has to close in a certain time period. After receiving a letter by mail, on XX/XX/2019 I spoke to XXXX ( employee # XXXX ). XXXX shared with me that our case was denied because we purchased a non-refundable ticket and there is no option to dispute a refund or credit with XXXX XXXX. I explained to XXXX that we were NEVER looking for a refund or credit from XXXX XXXX and as our letter clearly stated, we were looking to Modify the reservation for a later date to fly and we were willing to pay a change fee or receive vouchers to fly at a later date. We never asked Capital One to get us a refund. At that time XXXX explained that there was nothing else that could be done because the timeline with MasterCard was closed. I asked XXXX if we were represented fairly in this dispute and he was very silent. It was obvious to him and to me that Capital One did not properly represent us in this dispute with XXXX XXXX. Unfortunately, XXXX XXXX is unable to be reached from the USA and they won't speak with us about this even when our friend from XXXX tried to call them as well.
On XX/XX/2019 a certified letter was sent and received at the Capital One Headquarters on XX/XX/2019, sent to XXXX XXXX. Several days later we received a phone call from a Customer Service Agent regarding our letter to Mr. XXXX and the information were told is the same information that was shared with us on XX/XX/2019. We are sorry but your ticket was non-refundable and you had no insurance. The flight was still available so we can't help you.
Once again, I explained to this Agent that we NEVER asked for a refund and we clearly explained that to the previous Agents. We only wanted what should have been provided to us through XXXX XXXX, which was a credit or opportunity to reschedule the flight. Once again, the Agent seemed surprised and uniformed to our requests.
All of the phone calls with Agents at Capital One were recorded. All of this information and other calls that were not mentioned about this case can be found in the recordings.
|
01/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/XXXX at XXXX PM the Small Business Administration ( SBA ) disbursed the funds for my Economic Injury Disaster Relief Loan ( EIDL ) increase in the amount of {$120000.00} to my business checking account ending in XXXX. I confirmed the deposit on XX/XX/XXXX via the Capital One Mobile Banking Application and transferred {$120000.00} to my second business account at Capital One ending in XXXX. The next day, when I opened the Capital One mobile banking application, the two business accounts that I used to make the transfer reported {$0.00} balances. I assumed that perhaps Capital One 's mobile application had a bug as it does very often, so I left it alone for about a week. That was until I noticed that my business card wouldn't allow me to make purchases anymore, recurring bills began declining, and the withdrawal for employee payroll that I ran on XX/XX/XXXX failed. I called Capital One on XX/XX/XXXX and their Customer Protection Team told me that the reason why my funds were frozen was because an investigation was being done to determine whether my business was a legitimate business enterprise and truly qualified for the XXXX funding. On XX/XX/XXXX, I called Capital One again and their Customer Protection Team gave the same explanation about how they are conducting an investigation, except this time the agent said that I should send them my XXXX bank statements and XXXX business tax return to XXXX. There are three reasons why I believe this investigation was dubious : ( 1 ) I have been banking with Capital One since XXXX ( 2 ) my own bank requested that I send them my bank statements that they have access to for review, ( 3 ) this same bank account ending in XXXX was successfully approved and funded by the SBA for a Payroll Protection Program Loan deposit on XX/XX/XXXX in the amount of {$17000.00} and an XXXX loan deposit on XX/XX/XXXX in the amount of {$40000.00}. The agent then said that the documents should take 24-48 hours to upload onto their portal. I followed these instructions and sent all of the requested documents the same day but no acknowledgment of receipt of my emails or documents was ever received by me. On XX/XX/XXXX, I called Capital One 's Customer Protection Team again but they changed their story. Their supervisor claimed that the reason for the investigation had nothing to do with the XXXX loan because there was no evidence of a bank deposit. As a CPA, I was both horrified and dumbfounded to discover that Capital One deleted the record showing the initial deposit all in an effort to evade accountability for this {$120000.00} error. The supervisor then proceeded to interrogate me on how I was able to make this transfer, insinuating that I may have hacked their software or engaged in some type of unscrupulous activity. This response from Capital One perplexed me as I have no access to the backend of Capital One 's banking systems and software, so there's no way I would be in a position to answer her questions. Instead, I told her that Capital One should first explain how {$120000.00} could be transferred from an account that only had {$1000.00} in it before the deposit. She then responded that the only way the hold would be lifted from my business accounts would be if I " returned '' the money. I refused and demanded that they continue their investigation to determine how my money was lost in their custody and why the record of the deposit was deleted. Unfortunately, I could not afford to wait for Capital One to finish their investigation due to the mounting payments that were being declined due to the freeze on my account, so on XX/XX/XXXX I acquiesced to Capital One 's bully tactics and reversed the bank transfer so that access to my bank accounts would be restored and I would be able to pay my employees and feed my family.
Every single agent of Capital One 's Customer Protection Team gave the same answer every time I called between XX/XX/XXXX and XX/XX/XXXX -- that the investigation is " ongoing '' and there is no timeline as to when we should expect the investigation to conclude. When I called the SBA to confirm whether the funds were disbursed, they confirmed that my funding was disbursed on XX/XX/XXXX at XXXX PM and returned by Capital One on XX/XX/XXXX at XXXX PM. It should also be noted that Capital One never once initiated communication with me until today, XX/XX/XXXX, via email only to double down that they concluded their investigation and never received a deposit from the SBA in the amount of {$120000.00}.
|
06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I opened up a Capital One credit card in XXXX of XXXX to build up my credit score. Since then I have made my payments on time and I have paid more than the installment of {$24.00}. Initially, once I began making payments over the balance due of {$24.00}, I expected that information to be reflected on my credit report in a timely fashion after my billing cycle close.
In XXXX, I noticed that Capital One was not reporting my payments for several months at a time after payments were being made over the required balance. I contacted Capital One and they stated that they would correct the problem. I immediately, followed up by filing a dispute with all of the credit bureaus. This same exact thing happened where they overlooked the months that they did not report and they corrected the problem according to their liking.
Second, I checked my credit report in XX/XX/XXXX and realized that my payment history was not updated since XX/XX/XXXX. Again, I contacted, Capital One and XXXX about the same issue with stalling to report my payment history in a timely manner. Both representatives of Capitol One and XXXX shifted the blame on the each other. Secondly, the representative from XXXX verbally confirmed to me in XX/XX/XXXX that my information has not been updated since XXXX of this year by Capital One, so, therefore, I opened another dispute. I was assured that I would receive a free credit report and credit score which I have yet to receive.
Recently, on XX/XX/XXXX I decided to check the status of my dispute that I filed, so I contacted Capital One and XXXX. I was informed that my information was updated for the month of XXXX, however, they failed to provide me any information on the investigation that I opened to further explain the delays in both companies not reporting and updating my payment history as it is required by FTC? Again, they shifted their inactions on Covid - 19 and I explained to both parties that I was having these issues predating Covid - 19 and that all of their responses sounded scripted.
From my personal perspective as a consumer all of my payment history is supposed to be updated and reported on time by law. In addition, I should not have to file disputes with credit bureaus or credit card companies every 90 days to insure they are doing their jobs. Yes, they updated my payment history for XX/XX/XXXX, but they failed to include the months of XX/XX/XXXX and XX/XX/XXXX. Because of their inactions my credit score have been injured 25 to 35 points for the month of XXXX with XXXX. To make matters worse, this is the second time that I have had this issue with them so that is another 25 to 35 points. In total, I have lost between 50 to 70 points off of my credit score between XXXX and XXXX due to the inactions of others.
On the other hand, this appears to be systematic of both companies when it comes to shifting the blame on each other 's responsibility of reporting my payment history in a timely fashion.
To confirm whether or not I was in error or misunderstood the reporting process of Capitol One, I contacted them earlier before I filed this complaint for verification. Again, I was informed that my billing cycle ends on the XXXX, of each month and they report to the credit bureaus between the XXXX and the XXXX of each month. In addition, I asked the representative why it was taking them two months to forward my information to XXXX and she stated, that it was not her job to tell them when to report after the have provided the information. That is when I asked her, then what is the purpose of me making my payments on time if you are not going to report my information on time?
For example, XXXX and XXXX does an excellent job of reporting my payments in a timely manner. Also, I use XXXX XXXX and they are pretty accurate with providing my current payment history from all three credit bureaus.
In addition, I am requesting that these issues with Capital One and XXXX be investigated because they are injuring my credit score by cherry picking which months they want to report my payment history. Finally, a family member is having the same issue with Capital One confirming that this is not an isolated event and that this appears to be systematically done because of the loopholes in the reporting rules.
Also, I am requesting that all of my credit history for the past 12 months be corrected, reported properly and not just XXXX 's XXXX payment history because XXXX and XXXX 's payments are part of my history as well.
XXXX XXXX
|
10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Your response is indication that you have furnished and shared my consumer report without my written instructions to do so, in violation of 15 U.S. Code 1681b ( 2 ) which is an unfair act pursuant to 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). I also state you have taken unreasonable advantage of my lack of understanding of the terms and conditions of your financial products and services, in violation of 12 U.S. Code 5531 ( d ) ( 2 ) ( A ) being such actions is a abusive act I have not given you direct consent as a consumer reporting agency, thinking you as a financial institution are lawfully allowed to furnish my information when the agreement to your services took placed i believed it was legal and lawful I was misinformed and confused from your abusive acts misleading acts, Capital one bank response also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) obtained and used a consumer report for a purpose not authorized to be furnished under 15 U.S. Code 1681 ( b ) Capital one bank also indicates they have violated the FCRA pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) no certified purpose in accordance with section 1681e of the FCRA Additionally, I believe that Capital one bank actions in this matter constitute an abusive act or practice under 12 U.S.C. 5531 ( d ) ( 1 ), as they materially interfere with my ability to understand the terms and conditions of my consumer financial product or service.
Pursuant to 12 U.S.C. 5531 ( d ) ( 2 ) Capital one bank has also taken unreasonable advantage of my lack of understanding of these terms and conditions, as well as my inability to protect my interests in selecting and using this financial product or service, and my reasonable reliance on Capital one bank to act in my interests.
In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like Capital One to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent Capital One from such actions Your account is currently in a cease and desist status. A cease and desist status means that we will not communicate with you to collect on any debt owed. However, we will still send you any communications required by applicable law, your Customer Agreement, or in response to a request for information or to concerns you raised about your account. This letter is being sent in response to your request for information and/or to address specific concerns you raised about your account in your submission to the CFPB. This is neither intended to be, nor is, an attempt to collect a debt. my account is in cease and desist means to cease communication through all forms, mediums including my consumer report, you have failed the requirements of the FDCPA failure to remove account may result in a lawsuit In your request, you indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report _Can you please show me the law that states is legal and lawful to report my information, because form my knowledge pursuant to the FCRA 15 usc 1681 ( 2 ) you may only furnish a report with the written instructions of the consumer, you can not make me believe its a requirement of law to furnish my report because that is not true Capital One is taking deliberate steps to respect individual privacy in addition to complying with privacy laws.
To learn more about Capital One 's approach to privacy, including what information we collect and the options available to manage your personal information collected by Capital One, visit www.capitalone.com/privacy to view the Capital One Online Privacy Policy.
Your response We understand you would like us to modify the information we reported about your account.Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about this account indicate you are willfully choosing to not follow the requirements imposed pursuant to the FCRA failure to remove this account from all consumer report agencies i may file a lawsuit
|
06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
To XXXX and XXXX Capital One, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : Please be advised this is my SECOND WRITTEN REQUEST about THE ERRORS YOUR COMPANY IS REPORTING AGAINST ME ON MY 2 CREDIT REPORTS. Yet again, you have failed to provide me with a copy of any viable evidence THIS ACCOUNT IS BEING REPORTED ACCURATELY.
1. The payment status on this account was never verified it shows a last payment made in XXXX/XXXX and I know this is false.
2. This account was sold to a collections company who has sent me many letters stating they now own it 3. Since the account has been sold this account needs to be deleted as it is being reported inaccurately this is the 2nd warning As it stands now the reporting is a clear violation of the Fair Credit Reporting Act. ( FCRA ) I would also mention that one needs to also insure your employees are receiving and following the proper training in regard to your chosen industry. This statement is in reference to the past nature of your correspondence/communication. The Court has stated the following, which you should be quite familiar with : The Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692n ( " FDCPA '' or " Act '' ), under which this case arises, is premised on the congressional belief that " 'every individual, whether or not he owes the debt, has a right to be treated in a reasonable and civil manner, ' '' Baker v. G.C. Services Corp., 677 F.2d 775, 777 ( 9th Cir. 1982 ), citing 123 Cong. Rec. 10241 ( 1977 ).
At this time, we solely seek the correct remedy to our credit report AND DELETE THIS ACCOUNT From all 3 bureaus. It is in good faith that we will assume your employees in the future will follow the rules of the FCRA/FDCPA with any of your other clients you may have, as they have failed miserably thus far in our case.
We stress that this matter requires your immediate attention as I am currently, due to your reporting inaccuracies, experiencing financial injury. In addition, now that you have been AGAIN PROPERLY notified of your error in writing, you may not continue to report the information as it is, in fact, an error. Should you not correct this we will pursue the extent of damages incurred BY ME, the injured partY, as deemed by the courts. ( US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ) If you need to contact ME regarding this account I request all correspondence be sent to the address below and will NOT accept phone calls from you or your associates. All correspondence will be in writing/EMAIL only.
If this matter isnt fixed immediately, I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 600-618 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Federal Law. Furthermore, you have failed to provide the method of verification as an Original Wet Note signature Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. AND if not fixed immediately, I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) DEFAMATION 2 ) VIOLATION OF FCRA ACTS ( SECTIONS INCLUDING, BUT NOT LIMITED TO, 807-8, 623-a-3, 616-617, 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), FCRA 623 ( a ) ( 5 ) ( A ), FCRA 623 ( a ) ( 5 ) ( B ), FCRA 623 ( a ) ( 7 ) ( G ) ( i ) ) I demand the following accounts be verified or deleted immediately.
Thank You, XXXX XXXX XXXX
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07/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Dear Sir/Madam, I am writing to you in regards to my Capital One Credit Card accounts XXXX
I was extremely disappointed when on XX/XX/2023 my Capital One Spark Business Credit Card with number XXXX was suddenly canceled without any notice. In addition, my Capital One Savor Card with number XXXX was also closed on the same day.
When I called in, I was informed that it was closed due to usage inconsistent with expectations. They did not specify whether it was the Spark Business or the Savor card that was the issue. However, in either case, this does not make sense. Each of these cards have been open for over a year, and both accounts were in good standing and not past due.
The Spark Business card has always been used consistent with a business card ( for business purchases, travel etc ). Never once did Capital One inform me of any potential issues with the way I was using the card. There has never been any issues as far as late payments, unusual transactions or fraud issues that could have caused Capital One any legitimate concern or costs. Due to significant usage in the hundreds of thousands of dollars per year, the card should have earned Capital One significant revenue from merchant processing fees as well.
As for the Savor Card, I used it almost exclusively for dining. If this was not the intent of the card, Capital One should not advertise it as 4 % cashback on dining and should tell clients they have to use it in other ways too, and not just at restaurants. I understand that you may be receiving less than 4 % in merchant fees on this card, so this possibly could be a cost center for Capital One. However, punishing a client for using the Savor card based on its advertising is extremely unfair.
It is clear that the Spark Card and the Savor card were certainly being used in the exact manner expected and/or advertised.
I have always given Capital One priority for my business and personal ( Savor ) spending when it comes to credit cards. I put my trust and faith in Capital One. The fact that you just closed not one, but all of my accounts without any real explanation nor reason is very frustrating and disappointing.
The closure of these accounts is also very significant for me because it has a high impact on my credit score. Almost all of my available credit limit was with Capital One across the two accounts. Now, with all of them closed, I am now constrained to a very small credit line and my credit usage is now very high. I am unable to continue operating my business effectively.
This has in turn caused my credit score to drop without any other adverse factors. In turn, this is now making it impossible for me to obtain new business credit card accounts. Therefore, the account closures have resulted in significant, long-term damage to my credit score as well as tangible monetary damages to my businesses.
I respectfully ask that Capital One re-open the accounts, notably the account # XXXX, which is the largest credit line and the most impactful to its business. If there is any particular type of spending or merchants that Capital One feels that are inconsistent with expectations, I would ask that you disclose this clearly, and I can certainly review that and likely avoid it. By reinstating the accounts, Capital One would avoid the liability for the damages currently being sustained by my businesses due to having rejected payments for business expenses, late fees on those rejected payments, and general inability to conduct business.
I have already written to the Capital One Executive complaints department ( at XXXX XXXX XXXX XXXX, XXXX, VA ) as well as by email, but did not receive any responses.
I also applied for a new card with Capital One, ending XXXX and was approved. However, when the card arrived, I found out that the account was already closed. This makes no sense since I was approved for it, it should not have been closed right after opening.
In any case, the phrase of " activity inconsistent with expectations '' is an absolutely incomprehensible term and Capital One must have the obligation per Dodd Frank rules to clearly describe what the issue was with the accounts. In the event that the issue was a mistake, Capital One must have the obligation to remove erroneous information from their files ( per the Fair Credit Reporting Act ) and re-instate the accounts.
I expect that Capital One follow both Dodd Frank and FCRA rules in this matter, as not doing so would result in further action from the CFPB.
Regards
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10/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I sent Capital One written correspondent about correcting a billing error on XX/XX/21 Capital One responded with immediate closure of both my credit card account and reported it as closed to the credit reporting agencies causing me damages. Pursuant to 15 U.S. Code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.
Pursuant to 12 CFR 1026.13 ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
Fact, affiant is aware and has proof in attachment labeled as exhibit A that CAPITAL ONE is still trying to collect.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Fact, affiant is aware and has proof in attachment labeled as exhibit B that CAPITAL ONE reported it to the credit agency as closed.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Fact, affiant is aware and has proof in attachment labeled as exhibit C that CAPITAL ONE has violated my rights as a federal protected consumer by taking adverse action against me when written notice was received for account CAPITAL ONE restricted and closed both of my accounts, which were in good standing without my consent. Note that account was not addressed in exhibit D but was subsequently and now closed.
Pursuant to 15 U.S. Code 1666 ( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
Fact, affiant is aware and has proof in attachment labeled as exhibit C that CAPITAL ONE has violated my rights as a federal protected consumer by taking adverse action against me when written notice was received for account. CAPITAL ONE restricted and closed both of my accounts, which were in good standing without my consent. Note that account was not addressed in exhibit D but was subsequently and now closed.
( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Read the Attached correspondent
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03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this complaint to cfpb versus Capital One Auto Finance in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX XXXX own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
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02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I didnt enjoy my XXXX nor my XXXX XXXX. As a first time car buyer I really wish I had a better experience.
I have a credit score XXXX XXXXXXXX and because Mitsubishi XXXX XXXX ran my credit about XXXX times I now have a XXXX XXXX XXXX. XXXX days later I found out I was approved by the XXXX XXXX XXXX and XXXX XXXX XXXX. And they gave me a 6 % interest rate. It seems like Mitsubishi XXXXXXXX XXXX at the XXXX, XXXX ran my credit multiple times to find a company that would give me the highest APR.
Please see the following companies ran on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I went inside the XXXX Mitsubishi XXXX XXXX establishment to buy a car I didnt expect to leave with so many hard inquiries on my account. If I was denied once they couldve just told me and I wouldve walked away and took my business elsewhere. I did not deserve this nor anyone on earth deserves their credit to be ran up like this. It should be illegal to run someones credit report multiple times without their consent.
I am a XXXX XXXX and I feel as though car dealerships prey on XXXX people that are trying to succeed and make it in this life. I might not know much about financing cars but thats because this was my first and last financed car. I expected to finance with XXXX company with no hard inquiries on my account. They didnt even tell me the companies they ran on my report or the process of them running inquiries on my credit.
I have sorry I had a XXXX XXXX XXXX. All of these hard inquiries shouldnt be on my report. Now I have a XXXX XXXX XXXX. This is what I get for trusting a car dealership. Now that I have frozen my credit report no one can run anymore hard inquiries at least thats what XXXX XXXX and XXXX told me. I also got a 9.55 % APR which is not whats stated on my paper work documents. I shouldve had a 9.45 % APR. So not only the dealership I went to increased my APR but I now have XXXX hard inquiries on my credit report from companies I dont even recognize. I have attached a file of the APR I was given at the dealership. And when I went to refinance I was told my APR is 9.55 % .. i was then offered XXXX from a credit union.
Ive called the institutions and they told me to take it up with the XXXX XXXX, XXXX or the car dealership. I am climbing the ladder to get these inquiries erased from my report. I didnt want to report my concerns to the consumer finance but I am upset my credit score dropped so many points. If I was denied by these institutions they couldve just denied me and I couldve went elsewhere and paid cash for a car until I can get accepted. My credit score didnt have to suffer like this. I dont recognize these companies on my credit report because XXXXXXXX XXXX Mitsubishi XXXX XXXX ran my credit.
I have already reported these inquiries to the XXXX XXXX, XXXX and XXXX. I will not stop until I get a response from the fraudulent behavior that has impacted my lively hood. Because of this my credit score dropped very low. I worked very hard to achieve a XXXX XXXX XXXX and now I am down to XXXX. I was ready and able to start a living until these institutions I was not aware of showed up on my credit report as hard inquiries.
I feel as though it shouldnt have been difficult to find a credit institution with my credit score and I believe I was a victim of fraud at the XXXX XXXX Mitsubishi XXXX XXXX XXXX. I talked with finance and they told me 9.45 % APR was the best they can do. I recently found out that was a lie. Not only I am buried in financial debit but my credit score took a major hit. Granted I am not financially literate but I have learned so much during the course of buying my first car. And that is to get pre approved beforehand. I talked with XXXX my financial advisor and she told me that is not right for them to run my credit so many times and I shouldve went to the bank or credit union to get pre approved first. I have definitely learned my lesson. It hurts my soul to go through this since XX/XX/XXXX Ive been trying and asking them to remove these negative impacts and alerts on my credit report. With these institutions on my credit report it shows up as a hard inquiry. My financial advisor told me that is not a good look when it comes to borrowing money and applying for loans.
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01/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
Servicemember |
Me my wife have had a XXXX XXXX XXXX XXXX XXXX credit card for years. ( XX/XX/XXXX ). Account kept in good standing with no late payments. Capital One acquired all of these accounts so everything migrated from XXXX XXXX XXXX to Capital One.
1st billing cycle with Capital One ran from XX/XX/XXXX-XX/XX/XXXX. Previous new balance was {$3400.00} and payments/credits were {$3500.00} ( more than prior carry over balance ). There were NO carry over interest charges or fees. Charges totaled {$6000.00} leaving a New Balance forward of {$5900.00} to START the 2nd billing cycle.
2nd billing cycle ( XX/XX/XXXX-XX/XX/XXXX ) with Previous balance the same as balance forward from 1st billing cycle XXXX {$5900.00} XXXX. During this billing cycle payments/credits equaled {$4100.00} which was less than the previous carry over balance so I fully expected to incur interest charges. These totaled {$52.00} and posted to my card on XX/XX/XXXX. Charges this cycle equaled {$2600.00} leaving my NEW BALANCE FORWARD of {$4500.00}. This balance forward was effective XX/XX/XXXX.
3rd billing cycle XX/XX/XXXX-XX/XX/XXXX with a starting balance forward of {$4500.00}. THIS CYCLE I HAD PAYMENTS/CREDITS OF {$7000.00} which was {$2400.00} MORE THAN THE PREVIOUS BALANCE FORWARD. I was charged {$45.00} in interest charges on XX/XX/XXXX even though I had paid the previous statement new balance and {$2400.00} over and above the previous balance. Charges for this period were {$3600.00} to leave a NEW BALANCE FORWARD of {$1100.00}.
The entire time the XXXX XXXX XXXX card was in effect, as long as at least the balance forward from the previous statement was paid in full, new purchases had the benefit of the new purchase grace period. The above scenario NEVER OCCURRED with XXXX XXXX XXXX.
I called Capital One thinking it was an error on their end since I had paid the entire previous months balance plus almost {$2500.00} to offset the current months charges. CSR advised that that if the grace period is not meet for one month, even if you pay the balance the next month, they still calculate interest on new purchases. This is not ethical or fair. In fact it is predatory. I requested to speak to a supervisor. I was given the same scripted explanation which besides being unfair and predatory, it also just does not make sense in any way other than a way for them to extort additional interest while ignoring the fact that in the course of making payments the previous months balance was satisfied in full. I then requested for the interest to be waived. The supervisor told me she looked and said I " did not qualify for an interest waiver ''. I asked her why and she said " you just didn't qualify ''. Having never been in default, been a long term customer, have NEVER had any fees waived in the past and with the amount I use this card for ( $ XXXX+ annually ) I would think I would be a preferred customer but that is their " policy ''.
I think there has to be some sort of law or statute that protects consumers from this type of misleading and predatory application of payments. Capital One is intentionally applying payments in a way to take advantage of consumers to extort additional interest when in reality the previous balance was actually paid in full meaning new purchases should NOT be subject to interest charges because the new purchases are not being given the agreed upon grace period for new purchases that is part of credit card terms of agreement.
Also in regard to application of payments, apparently purchases made at XXXX XXXX stores with this card receive a promotional interest rate. I was not aware of this. On the FIRST BILLING CYCLE there were total charges for this promotional rate of {$680.00}. Over the next 2 cycles I made payments totaling {$11000.00}. Capital One intentionally applied payments to this PROMOTIONAL BALANCE so that it only dropped to {$590.00} & {$550.00} respectively to charge interest of {$4.00} & {$4.00}!!!
I can understand the interest charges that were applied for the FIRST month where I did not pay the previous statement NEW balance in full, but after that, I feel that I should have no interest charges at all and further over 2 months, paying {$11000.00}, the promotional balance should have been XXXX out rather than misapplying payments in order to maximize carry over balances to charge more interest.
I suggest a class action suit should be considered against Capital One for its misleading and predatory practices against consumers.
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04/27/2020 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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My father passed away on XX/XX/XXXX in Washington State. I am Personal Representative ( executor ) of his estate, which included a savings ( high-yield money market ) account at Capital One Bank, with a balance of {$95000.00}. Following a telephone inquiry I received an email from Capital Ones Bank Estate Operations on XX/XX/XXXX with instructions for settling the account, and a case number.
On XX/XX/XXXX I submitted final paperwork via email to Capital Ones Bank Estate Operations.
On XX/XX/XXXX, following inquiries by me, XXXX at Capital Ones Bank Estate Operations informed me via email that the account was settled on XX/XX/XXXX, and that a settlement check should have arrived in 7-10 business days. My post office and mail carrier stated that there were no issues that would prevent delivery of the check, but that they were unable to trace a letter if it was not sent via registered mail.
On XX/XX/XXXX I submitted, via email to Capital Ones Bank Estate Operations, a notarized affidavit for a lost cashiers check. I requested that to ensure traceability the second check be sent via registered mail ; failing that, I requested that it be mailed directly to my local bank, at which I have established an estate account. I provided both addresses.
On XX/XX/XXXX, in response to my inquiry, Capital Ones Bank Estate Operations stated via email that the check was reissued on XX/XX/XXXX, and should arrive within 710 working days. The check did not arrive, and was apparently not sent in a manner that was traceable.
On XX/XX/XXXX, in response to my inquiry, a Capital One account manager ( XXXX ) stated that if the check failed to arrive I should call Capital One requesting that the funds be sent via wire transfer, which she would endeavor to arrange. She asked that I relay our conversation to Capital Ones Bank Estate Operations via email, which I did. XXXX at Capital Ones Bank Estate Operations replied that they could only mail a check, but not wire funds. They provided the address to which they had sent the second check, which was correct ( an account closure notice and final statement were mailed by Capital One in early XXXX and arrived within a few days ).
On XX/XX/XXXX I spoke to XXXX ( Capital One Customer Service ), who agreed that sending a third check in the same manner was unlikely to succeed. She referred the issue to a Capital One " escalations team '', and issued a new case number.
On XX/XX/XXXX I received a call from XXXX ( Capital One Customer Satisfaction ) who requested I send a second affidavit for a lost cashiers check to Capital Ones Bank Estate Operations. She stated the third check would be sent via XXXX. I submitted the affidavit via email to Capital Ones Bank Estate Operations on XX/XX/XXXX, and requested the FedEx tracking number ( they have not replied to this request ). I have left numerous inquiries for XXXX regarding the third check, and requesting a tracking number, but have received no response.
On XX/XX/XXXX I spoke with XXXX ( Capital One Customer Service ) who stated that her review of the case indicated the check was sent via XXXX on XXXX XX/XX/XXXX, but that she could not find a tracking number. She stated she would attempt to find the number and provide it to me. I have not heard from her again.
On XX/XX/XXXX I spoke with XXXX ( COB Customer Service ) who also stated the case notes indicated the check was sent via XXXX on XXXX XX/XX/XXXX. She stated that she could not access the tracking number, and would request it from the department that issued the check. On XX/XX/XXXX I spoke with XXXX, a COB account manager. She reviewed the case notes, confirmed with XXXX ( above ) that no XXXX tracking number had been provided, and stated she would seek to obtain a tracking number, and relay this to me ( she has not done so to date ). She declined to connect me with her manager, or to provide contact information ( phone or email ) for anyone at COB other than the banks general customer service numbers.
On XX/XX/XXXX and XX/XX/XXXX I emailed Bank Estate Operations, quoted the case number, and requested information regarding the missing third check, such as a tracking number. I have received no replies to my emails.
On XX/XX/XXXX I spoke with XXXX ( a Capital One account manager ) who informed me that Capital had no mechanism by which I could file a complaint or request a review of the case ; he indicated that my only recourse was to continue to email Bank Estate Operations and hope they reply.
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02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
Servicemember |
This has been a recurring issue nearly every month for me for over 10 years with this particular Capital One credit account. I received this card when I had some credit issues in XXXX, as a secured credit card. I'll try to explain what is happening as best as possible. This month ( XX/XX/2023 has been the most recent month where said issues are arising ).
On XX/XX/XXXX, my current balance was about XXXX. I payed {$2100.00} ( statement balance from the previous ) which brought my current balance to XXXX something, hard to remember, as I rely on the Capital One app on my Iphone. In the last two weeks, I make a lot of purchases on this card, as I don't have private transportation and only get my monthly stipend from the XXXX as a XXXX percent service connected XXXX XXXX to live on. This includes food from XXXX XXXX groceries and all manner of small to large purchases.
Yesterday, the XXXX, I had a current balance of {$1100.00} and some change. It seemed correct, as I knew I had made a lot of purchases, plus about XXXX left as a current balance since my monthly payment on the first. I added up all my transactions for the month showing on the app, and the total amounted to XXXX. This is what showed as my current balance. This included all visible pending and cleared transactions up to the point in which I was adding everything up. But didn't reflect the XXXX some odd credit balance I had remaining a few days after my payment on the first.
Today, the XXXX, my current balance shows as {$1200.00}. The total after three transactions, which where pending yesterday had cleared. The increase to the current balance were for purchases that were already part of the XXXX balance from the day prior. What I think, in effect is going on is, is pending transactions are being added to the current balance more than once, and the current balance reflected to the end-user, me, is not timely, transparent, nor shown in good faith.
I've had this issue many, many, many times with this card/account at Capital One. When I speak to them, customer service, they treat everything " seemingly '' in good faith, but tell me what they have on their systems is correct and the same run around explanation about statement balance vs current running balance etc. At the end of every month, billing cycle, I have a noticeably higher and suspect running balance which has put me on the brink of being broke every month, for almost a decade. I just pay as much as I can every month and move on thinking I probably did spend " that '' much.
This is the first issue. The second, and related issue, is one of the pending transactions. So when I make purchases, through doordash, XXXX, etc, sometimes orders get delivered incorrectly, and pending transactions on my card need to happen twice, because I need my food for the week, didn't get something on the order, and have to re-order. But many times, it seems the orders get completed incorrectly on purpose, for the exact reason to incur more pending transactions on my card, to which the current balance can be manipulated further.
I think there's some type of organized financial crime network, that takes credit cards, manipulates user financial transactions through social engineering tactics, corrupted phone apps, bot networks, bogus customer service centers ( I seem to talk the same customer service rep, even across different companies ), actual physical residential tracing and stalking, and maybe even corrupted ISP datacenters, in order to finance dark economy activities or just plain other illegal activities in general. I have some basic IT training as part of my professional background.
Please help me. I'm sure I'm not the only one who has been experiencing this, but I'm certainly one who is vulnerable to such things as I'm a person struggling with mental health. An easy target, which is embarrassing to say but now absolutely necessary to report as I'm better able to describe what has been happening. I received this card when I was living with my mother in XXXX XXXX, CA, a secured card back then to help build my broken credit and it has since been upgraded to a regular card. I've had the card replaced many times over the years, but it is still the same account.
Thank you. I wanted to report this to the FBI, but they redirected me to this website. I hope my information helps illuminate something larger happening to poor people like me. That justice is sought, served, and if true, victims like myself are compensated.
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09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
I called Capital One about an hour ago. XXXX XX/XX/2023 spoke to supervisor XXXX Id XXXX XXXX Told her I have XXXX and that This XXXX was protected under The Americans with Disabilities Act.
I asked her for a reasonable accomidation. That is was overwhelming for me to get my credit reports and to send a letter to Capital One. I told her I was about ready to XXXX XXXX XXXX XXXX XXXX XXXX... I told her I was XXXX And she laughed at me and hung up on me. The call was recorded so I want you to listen to it and I want an appology.
If I do not get a personal appology then I will also be filing a discrimination complaint with the Americans with Disabilities Act.
The letter below I filed against XXXX but there has been no response so I am going directly to Capital One and asking you to take this off of my credit.
I was looking to be prequalified for a credit card. One that did NOT .... repeat did NOT do a hard pull but instead did a SOFT PULL. I specifically did this simply in order to get an idea of just where my credit worthiness stood and whether or not I need to do anything to my credit report that needed attention. I had no intention of actually getting the card if approved because I did not want a hard pull done on my credit because I have intentionally NOT applied for a card for almost two years because I want to get a card with XXXX and they are very strict about how many cards you can get within two years and still be able to to obtain a card with them. I googled Pre-Qualify for credit cards and one of the options was XXXX XXXX XXXX XXXX I read the page and decided to Pre-Qualify for a Capital One. ( A company I already have a XXXX Card with ... This would be a good test I thought. ) So I did a pre-qualify for the Quick Silver Card and was denied. Later that day I had receive an email saying that a hard pull had been done on my credit. I immediately called Capital One to inform them the I have not authorized a hard pull on my credit and they said there was nothing they could do and I had to contact XXXX to straighten this out. I went to XXXX and via the contact button on their site I sent the following message to them. " Hello I found your webpage online when looking for soft-pull preapproval and I clicked on : Capital One Credit Cards With Soft-Pull Preapproval I clicked on the Quicksilver card ( A Capital One Card ) and for some reason was declined. I have a XXXX plus credit score. Later when I checked my email it said someone had done a hard-pull. I checked and Capital One had done a hard-pull. I contacted them and they said I had to contact you to get this straightened out. Please have this hard-pull removed from my credit. I have not applied for a credit card for almost two years so I could have 0 inquiries on my credit so I could be sure to have the best chances of obtaining a Chase credit card. I have been very adamant about being carful and patient.. If I am not contacted within 3 days telling me this has been removed then I will be filing a complaint with the Consumer Financial Protection Agency. I will also include in that complaint Capital One as well. Thank you for you immediate attention to this very distressing matter. Please contact me by email and if you like by phone. Definitely by email for sure. Sincerely, XXXX XXXX XXXX XXXX '' They never go back to me but instead apparently just ignored me. That is why I am here filing this complaint. If you go to the page below you will see that it is for soft pull Pre-qualify for credit cards for a number of companies. XXXX XXXX XXXX And yet when I did a pre-qualify the next thing I know I had a hard pull on my credit. Please let me emphasize that there is no way I would have done this if I thought there would be a hard pull just for the Pre-qualifying part. I understand that if you continue with the application after being preapproved then there is a hard pull. I would not have taken it to that point because I want 0 inquiries when I apply for my XXXX card ( s ) I have also contacted the three buraus and I have not been able to get them to remove the inquiry as well. I filed a dispute with XXXX and they gave me a 32 page report that was filled with obfuscations that I could not interpret. 32 pages to say we removed the inquiry or we did not remove the inquiry! I have XXXX and was totally overwhelmed and confused. I checked my latest XXXX report and it is still there so It looks like they are just giving me lots of legal jargon that is meaningless to me.
|
08/29/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
XX/XX/2022 XXXXXXXX XXXX Capital One sends me an email confirmation which they had received my check of {$1500.00} via Capital One Mobile deposit.
XX/XX/2022 XXXX XXXX Capital one sends me an email that my check has been deposited. I received {$300.00} on XX/XX/2022 and ; I received the remaining amount of {$1200.00} on XX/XX/2022.
XX/XX/2022 Two months later, Capital One withdraw {$1500.00} from my checking account claiming adjustment debit- check deposited twice. I usually receive an email regarding any withdrawals from my checking account which I did not received prior XX/XX/2022.
XX/XX/2022 XXXX XXXX I received an email from Capital One stating my recent transaction took my account below {$0.00}. I believed it was my XXXX bill until I saw the check deposit adjustment.
Im going through my XXXX and XXXX statements and I only see that I received the check once.
I called Capital One customer service at XXXX XXXX. The first representative I spoke with me said the check was deposited twice and it was deposited at XXXX XXXX XXXX. I do not and never had an account with XXXX XXXX XXXXXXXX. My check was originally from my employers bank XXXXXXXX XXXX. I was transferred to another representative and I was told I had to wait 48 hours for a response from the escalating team. The representative said I would have to call back to find out. I asked for a case number and the representative said I do not receive a case/reference number. Everything would just be under the notes in my account. This call was 34 minutes.
XX/XX/2022 XXXXXXXX XXXX I called back and a Capital One representative explained to me I would have to get in contact with my employer to find out where the check deposited it to first. The representative explained she can not she where, when, or how the check was deposited twice.
XX/XX/2022 XXXXXXXX XXXX I contacted the bookkeeper from my job via text. I forwarded my emails from Capital One about my check to her. She went to XXXX XXXX and from the document of the check she sent me. XXXX XXXX only deposited the check to Capital One. She explained to me I would have to speak to Capital One to initiate an investigation because at this point, its check fraud.
XX/XX/2022 XXXXXXXX XXXX I called Capital One again and this call lasted for 37 minutes. They redirected me to speak XXXX XXXX because Capital One could not receive the information about the check whereabouts before my deposit.
The bookkeeper told me to go to a Capital One Branch in person because the customer service on the phone is not helping me in any way. I decided to make an appointment at local branch for the next day.
XX/XX/2022 XXXXXXXX XXXX I discussed the check situation with an associate and I was explained that I needed to speak with XXXX XXXX XXXXXXXX in person. The associate said I was being held liable because someone deposited the check before me at XXXX XXXX XXXXXXXX. She couldnt tell me the time, when, how, or who deposited the check. She also warned me they may not be able to release the information because its a XXXX XXXX XXXXXXXX customer.
I called Capital One again because I wanted an email to show XXXX XXXX XXXX about this situation so I wouldnt look crazy when I go. Capital One said they couldnt send an email in that regards and since it was not an actual case with fraud department.
XX/XX/2022 XXXX XXXX I received an email about my concern about the situation on XX/XX/2022 at the local Capital One branch. The email implies the same information I received about the check being adjusted back on XX/XX/2022 from their research.
XX/XX/2022 Around XXXXXXXX XXXX- I go to a local XXXX XXXX XXXXXXXX and a manager told me she could not help me since I was not a XXXX XXXX XXXX client. I was also told that Capital One Fraud Department is supposed to investigate this type of situation.
XXXXXXXX XXXX- I called Capital One again. I went through the same routine of being transferred and being told of the same repeated information. No progress was made. I asked the manager on the phone who could help me. I asked on how I could get in contact with Fraud Department. The Manager said the fraud department of Capital One does not speak with customers. They only investigate from notes or emails sent from the Escalating Team of Capital One.
I called the Federal Reserved because the next step will be a police report statement.
This problem has been occurring for 3 weeks on Wednesday of this week. I need Capital One to do their part.
|
11/14/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
On or about XX/XX/XXXX I submitted a letter to Kohl 's disputing reported past due amounts, late charges. and sudden increase in minimum amount due.billing statement and noticed minimum payment due of {$91.00}, past due amount of {$31.00} and a late fee of {$37.00}. This letter is written to dispute minimum amount due of {$91.00}, a past due amount of {$31.00} and a late fee of XXXX. In XX/XX/XXXX and XX/XX/XXXX, Kohl 's reported an increase to minimum payments due in the amount of {$60.00}. Minimum payments of {$50.00} remained consistent from XXXX to XX/XX/XXXX. In XX/XX/XXXX Kohl 's showed inconsistency in minimum payments. According to the Credit Card Act, Credit card users are protected from retroactive interest rate increases and or minimum increases. I had and continued to make payments on the average of {$50.00} and {$60.00}. To this day Kohl 's has continue to increase minimum payments and if these unforeseen increases were not paid, late fees would be assessed. I find Kohl 's actions deplorable and demand an explanation. A review of XXXX XXXX and XXXX credit reports showed that from XX/XX/XXXX through XX/XX/XXXX, Kohl 's reported no past dues. During these periods average minimum payments due and paid were {$50.00} to $ XXXX.There continued to be inconsistencies in reporting minimum payments due and I continued to suffer the consequences and Kohl 's continued to show no willingness to compromise. Further research revealed that Kohl 's continued to provide inaccurate information on increases, unknown to customer, failed to establish an audit program to identify any systemic inaccuracies. A recent alert message showed that Monitoring Service had informed me that there was a possible fraud to several accounts ( Red Flag ), which had delayed payments on several accounts during the months of XX/XX/XXXX and XX/XX/XXXX.This did not stop Kohl 's from continuing to assess late charges, during this alert. On or about XX/XX/XXXX, I submitted a letter continuing to dispute the assessing of late charges, sudden increases to minimum payments due.On or about XX/XX/XXXX I received a letter from Kohl 's stating that Kohl 's records showed that account had been paid through XXXX Web Bill Site prior to payments due dates and prior to receipts of monthly billing statements. I point out to Kohl 's that I made monthly payments at the local Kohl 's prior to receiving billing statements. I would sometimes receive emails stating that payments had been received. There was never a mention of any past due due amounts. This lead me to believe that I had been making the minimum payments and that Kohl 's had gone paperless.A letter dated XX/XX/XXXX stated that they had the correct address on file and no return mail indicator was ever placed on account and that it is the customers ' responsibility to ensure the bills are paid on time regardless of a physical statements. I fully understood that customer is to ensure bills are paid on time regardless of the physical statement. I reemphasized that I had been lead to believe that that Kohl 's had gone paperless and that I had continue to make payments at the local Kohl 's, unaware of any minimum payments due, for I made what I thought was the minimum payments, most of which exceeded what Kohl 's had calculated. XX/XX/XXXX billing shows minimum payment due of {$120.00} and a past due of {$61.00}, plus a late fees of {$37.00}. I immediately disputed the sudden increase to minimum payment due, and the late charges. I had not received any responses to the XX/XX/XXXX billing.From XX/XX/XXXX through XX/XX/XXXX, I continued to dispute inconsistent minimum payments due and outrageous late charges. Kohl 's continued to show an unwillingness to reach a compromise.On XX/XX/XXXX, I having become frustrated in Kohl 's unwillingness to compromise and wanting to clear my credit report of all derogatory comments, I submitted a proposed settlement offer. I felt that I do not owe as much as Kohl 's claims I owe and I was willing to save both parties a great deal of time and expenses by offering to settle account for {$300.00}. Reported balance {$810.00} minus reported late fees ( {$510.00} ) = {$290.00} ). I was proposing to making payments in the amount of {$50.00} every month until paid off. Per settlement offer the final payment was received/posted by Kohl 's made. Due to Kohl 's non response to settlement offer, a review of latest credit report shows 150 days past due. I find this shocking and appalling.
|
09/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
In XX/XX/2017 CAPITOL ONE AND ITS AFFILTIATES unlawfully repossessed my car and said that I had to pay additional funds to get my car back. The auto contract stated that I was purchasing the car on credit and therefore a finance charge was implemented. 15 U.S.C 1605 is a section in the TILA that explains a finance charge and details how built into the finance charge is an insurance that protects the lender in the event that the obligor defaults. Sometime during the agreement, I defaulted and what that simply means is that CAPTIOL ONE AUTO and its AFFILATES received the insurance money.
Capital One Auto and affiliates took the fraud even further and placed negative information on my credit report harming the livelihood of myself and my family. This negative reporting has caused me to be denied for homeownership and other goods needed to live. Capital One Auto placed a charge off, which the IRS considers canceled debt, and income, on my consumer report. Income should not reflect on my consumer report. It is a violation of the FCRA to knowingly furnish false and misleading information. CAPITOL ONE AND ITS AFFILTIATES are inaccurately reporting this account. CAPITOL ONE AND ITS AFFILTIATES have committed TAX FRAUD. Capitol ONE AUTO has failed to properly remit a XXXX XXXX XXXX to the debtor after cancelling a debt. It also received income from the treasury on the certificate of indebtedness and from my monthly investing payments.
15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions report containing information solely as to transactions or experiences between the consumer and the person/ corporation making the report is NOT included in the consumer report. However, Capitol One is reporting this information. The reporting of excluded information pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro 2 Compliance. Provide me with the Metro 2 compliance disclosure on reporting transactions to a consumer reporting agency.
Capitol One is reporting collections/Charge-Offs, lates payments/ any other derogatory information in my consumer report is in violation of 26 U.S.C ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If the forementioned derogatory account information is not deleted from my consumer report in a timely manner and my finance charge returned I will be forced to officially file IRS form 3949A and 211 against all entities involved.
I have proof that before and after you filed this cancelled debt, I paid you, according to the IRS 26 CFR 15a.453-1 ( 3 ), definition of payment and 26 CFR 15a.453-1 ( e ), CAPITOL ONE AND ITS AFFILTIATES were paid upon signing of the treasury security also known as a zero percent certificate of indebtedness. As an investor in this contract, I did not receive any good as the law requires. I made investments into this contract and lost money and property. This too is securities fraud.
Please provide all documentary evidence from the public and the private side per the stipulations of Accounting Principles Generally Accepted in the United States ( GAAP ). As a shareholder I never received my end of the year reporting during the tenure period the vehicle was in my possession. I have requested a copy of the contract I signed and the documents displaying each monthly payment ( investment ) made on the security, I have not received these documents, I am requesting a copy, again. Please remit a copy of the XXXX as required by law and delete this income from my consumer report. As well as a payment in the amount {$11000.00} ( finance charge amount ) for the damages caused due to willful negligence by Capital One Auto Finance and its affiliates. If the agreement can not be met, I am also requesting the UCC-9 Secured Transaction disclosures as required by UCC 9-506 and UCC 9-611-616 that should have been signed by me during the repossession process. Or a signed copy of me waiving the rights to these disclosures and all previous documents requested herein.
I have proof of all fraud committed and will submit this letter and proof to the IRS, SEC, CFPB, XXXX, FDIC, FFIEC, EGRRCPA, FINRA, ATTORNEY GENERAL XXXX XXXX, in addition to any other agency that regulate banks if this matter can not be settled in Good Faith and in a timely manner. CAPITOL ONE AUTO is a public trading company and according to the XXXX and their security agreement this must be heard in a court of equity and law.
|
11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American, Servicemember |
I opened a Capital one XXXX secured card about a year and nine months ago and showed excellent responsibility with said card. I was under the impression that if I did so that in due course the card would be unsecured and I would receive my {$1000.00} security deposit back and I would also be given credit limit increases. This however never happened and during that almost two years my other cards gave me increases and became unsecured.
What did happen about 8 months ago or some time ago, I was offered a Quicksilver credit card from Capital one saying I was pre approved or qualified and so I accepted the offer and I was given an unsecured card. I have used this card along with my XXXX card and continued to be a responsible card user as I have with all of my cards.
I asked for a credit limit increase on my Quicksilver card last week and was approved which brought my total credit line with the Quicksilver card to {$5000.00}.
On or about Friday XX/XX/XXXX I called Capital one and spoke to someone to see about an increase in my secured XXXX cards limit and I asked if I would be given a hard pull on my credit report and they said they did not know.
I asked to have a supervisor and they said they would call me back. I did not hear from them until Monday the XXXX.
They told me the same thing. I was also told that the card could not be unsecured.
I decided that it would perhaps be better to simply close the card and then apply for another one in a month or two.
When I spoke to the woman on the phone the balance was {$0.00}.
I have an email with a {$0.00} confirmation on the XXXX account. I also asked her to confirm that there were no reoccurring monthly charges. She confirmed that there were not. I said okay then can you please close the account.
She read me the usual statement about closing the account etc.
She then told me that the account was closed.
In the beginning of my conversation with her she told me the conversation was being recorded and so if you need to confirm any of this you can listen to the recording.
I would like to request a copy of any and all recordings between me and any capital one employee in the last 10 days or so.
I went on my capital one account last night and to my deep concern it showed that my capital one XXXX account was still open and had a balance from a hotel charge that I had reversed by the merchant and was told I would not be charged.
I also found that my Quicksilver account was closed and or restricted.
I immediately called ( This was about XXXX ish XXXX XXXX the XXXX I believe or it could have been past twelve which would make it the XXXX in the XXXX
The young lady asked if I wanted to reopen the account? I made it clear that I never asked for the account to be closed and that it was the XXXX card I requested to be closed. She said that she saw that it was supposed to be closed and that there must have been some mistake. She put in the request to reopen the account and said it could take a week or more.
This morning I went to my Capital one account and it seems they have locked me out.
I can not log in.
I am putting in this complaint because I believe the woman on the phone when I asked to have my XXXX card closed, may have been irritated with me and done this on purpose. Maybe not, but either way my account that was in good standing was closed and this could have an adverse effect on my credit. For starters it could effect my Credit utilization numbers which could cause me to have a credit score decline.
It may be that because I closed my XXXX card they retaliated against me and closed my Quicksilver account or ... ... .maybe this is just a mistake. Either way I want my Quicksilver account reinstated.
This is a copy and paste of an email dated the XXXX ( After the date I had the XXXX card closed. As you can see It is {$0.00} Your balance is {$0.00}.
If you need me to forward this email then just let me know and give me an email address that I can forward it to or ... ... ... .I can take a photo of it and upload it.
Your requested balance summary Inbox Capital One Mon, XX/XX/XXXXXXXX XXXX XXXX ( 2 days ago ) to me Sign In Capital One Your balance is {$0.00}.
About your XXXX Secured Card ending in XXXX XXXX, As requested, were notifying you that as of XX/XX/2022, your XXXX Secured Card balance is {$0.00}. This balance does not reflect pending transactions.
Please visit your account to view your pending and posted transactions.
XXXX XXXX
|
11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
My husband and I have a cc with capital one ending in XXXX. It was opened in XX/XX/XXXX with a small availability, which was fine by us. In the month of XXXX, I made more than 1 payment on it as we would use it, then a few days later, pay it off in full as a cash-back program through Capital One. A few days before XX/XX/XXXX, I paid it off again at {$410.00} and noticed the account had a restricted status even after the payment was posted. I called, and they informed me that the account was in that status due to suspicion of fraud for the amount of payments for the month each time paying it off. They would need to speak with our financial institutions to verify that we had ownership of the bank account payments from Capital One. The rep at Capital One called XXXX XXXX first, and I verified with XXXX, and it was fine per the rep at Capital One. We then called XXXXXXXX XXXX, and the Capital One rep came back on the line saying the wait time exceeded their allowed hold time of 10 min, and I would need to send them 60 days of statements with my name and account # on it. She emailed me a secure link, and while on the phone with her, I downloaded XXXX statements from XXXX and submitted them ; she confirmed they got them and it would take 3-10 business days.
XXXX aprox : Capital One called and informed me they had the documents and that they were being denied due to the statement did not have the savings account # on it, but it did have the last 4 digits, my name and address and history showing payments to Capital One. I would need to send them a voided check or go to my bank and have them do a savings account only statement with the full account # showing. I up loaded a voided check same day on the secure link XX/XX/XXXX approx : Capital One called and said they got the voided check, which was being declined due to still needing the savings account # ending in XXXX. I informed them that we had done all they asked for, and there was no reason for Capital One to need our full savings account # for anything when transactions, name, and address all match.
XX/XX/XXXX I sent them a letter through the secure link along with statements highlighting all the information and that savings and checking transactions are all on XXXX statement. Capital One would not respond to my letter or documents supplied on XX/XX/XXXX.
XX/XX/XXXX : I contacted XXXXXXXX XXXX and spoke with a rep there, and they also transferred me to their fraud dept after I told them our story with Capital One as they had concerns about Capital One doing suspicious searching and activity on the credit card account and our banking information. They informed me that they were not comfortable supplying Capital One our full savings account # and that I could come in and get a letter that may help, but it would not have the full account # and that what Capital One was doing was illegal and they would not be assisting with it. I thanked her and agreed and was not upset at all with their decision.
I called Capital One later that afternoon and spoke to XXXX in the fraud department as that is where I am automatically transferred to when I call in about this account and informed him that I had zero response from them on the XX/XX/XXXX information I sent and also as to what XXXXXXXX XXXX had informed me of. He started laughing and said that what they are doing is not wrong that they felt that with the number of times a PAYMENT was made on the credit card it was fraud and had to verify the ownership of the checking and savings accounts. It has nothing to do with charges ; this has to do with payments only. I did tell him we were seeking legal counsel and I also informed him I have emailed my State representative and also contacted XXXX XXXX. That all the conversations we have had with Capital One are on a recorded line as Capital One states each time you call in. He then got agitated and said " If YOU are recording this I am hanging up, Capital One can not speak to anyone on a recorded line ''. I told him that is not what I said and I referenced the above again. He then responded, " Oh yeah, thats right we do that ''. XXXX then told me they are not doing anything wrong, I can address this with who ever we want and that the only way it will change is when we send them a document with our full savings account number on it and they review it. I told him that I would not be discussing this anymore with them and would move forward with this legally and federally.
|
10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
A notification came on my computer at the bottom of the screen with a very very loud noise. I tried to stop this myself, and then a man.. identifying himself as XXXX XXXX advised me that my computer had been hacked and the a charge of {$5000.00} had been made against my credit card. This unnerved me intensely. He advised me that he would try to stop the noise and then walk me through the necessary steps to correct the charge. He kept me on the line for 2 hrs while he allegedly contacted the credit card company. ( I heard the exchange between them, but later I concluded that was all a complete ruse ). Since it was then XXXX XXXX, he stated that he would contact me in the morning to remedy the charges.
To " offset '' the {$5000.00} charge, I was told to go to XXXX 's and but 7 {$500.00} Target gift cards. He kept my phone line open and when I returned to the car, he told me to scratch each card and give him the numbers. Then he had me drive to another XXXX 's and purchase 3 more XXXX {$500.00} gift cards. And I did the same thing in the car ... scratched off the numbers to give him so he could " off set '' the charge. I then had my " aha '' moment ... what am I doing? This just isn't right ... So I immediately called the credit card company. They told me that there was no charge of {$5000.00} made to my account. I was stumped and relieved at the same time. Perhaps what he had said about " offsetting '' the charge was true and I was not the victim of fraud.
I returned home and spoke to my sister about this, and she called the Attorney Generals office to report the incident. They were no help. I also contacted my bank and the Credit Card company Capital One again ... this time they saw the charge. But they were no help at all. They claim to me that they can not open a case file for this incident because it is NOT " fraud ''. They call it a " scam '', therefore it does not fall into their fraud department for refund.
I did some research and came across your website where it actually says the following : https : //www.consumer.ftc.gov/blog/2020/01/top-frauds-2019 The top frauds of XXXX XX/XX/XXXX XXXX XXXX Associate Director, Division of Consumer Response and Operations Each year, the FTC takes a hard look at the number of reports people make to our Consumer Sentinel Network. In fact, during XXXX, we got more than 3.2 million reports to the FTC from you. Weve read what youve said, and crunched the numbers. Heres what you told us in XXXX.
* Imposter scamswas the number one fraud reported to XXXX in XXXXPeople reported losing more than {$660.00} XXXX to imposters, who often pretendedto be calling from the government or a well-known business, a romantic interest, or a family member with an emergency. Whenpeople lost money, they most frequently reported paying scammers with agift card.
ou might wonder what, besides these numbers, comes out of reporting scams and other consumer issues to the FTC. Well, because of your reports, the FTC and its law enforcement partners are able to investigate the people and companies that trick people into paying money. Your reports help build and bring those cases, which also helps us enforce laws that stop scams and other dishonest business practices that take peoples money.
In fact, during XXXX, FTC law enforcement actions led to more than {$230.00} XXXX in refunds to people who lost money. More than 1.9 million people cashed checks mailed by the FTC. And, in the last four years, people have cashed more than XXXX XXXX dollars in FTC refund checks. Thats real money back into peoples pockets.
So if youve spotted a scam, keep telling us about it at ftc.gov/complaint. If you need more information about these top frauds, visit ftc.gov/imposters, and ftc.gov/giftcards.
I have the phone number of this imposter/fraudster. I'm sure it is a track phone and no longer in use. But just in case ... He went by the name XXXX XXXX and the number is XXXX.
Capital One is trying to deny me the opportunity to refund me money that they could have assisted me to avoid making the charge. I usually spend between $ XXXX per month on my charge card. In one day, in less than 3 hours, I spent {$5000.00}. Why didn't they flag this account? Why didn't I get a text message? An email? A denial of the charge?
I am an XXXX year old widow living on a fixed income of social security and a small pension from my deceased husband. This could ruin my last remaining years.
Please help me..
XXXX XXXX
|
12/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
1. Made false statement that my mother aa 's account ( s ) don't have any joint holders, and denying my ownership and access of our accounts as the second account ( s ) holder.
My mother XXXX capital one 360 Bank Acct, was originally opened with ING Direct, XXXX as online savings accounts many years ago.
She added me, her daughter as the second account holder. ING DIRECT banks letter states, XXXX Account Ownership has been updated to Joint with Primary Owner on XX/XX/XXXX.
The bank formerly known as ING Direct became known as Capital One 360 ( the Bank ).
On XX/XX/XXXX, the bank sent me to my email address two ( 2 ) emails entitled, Youre invited to be a secondary account holder, which stated in relevant part as follows : XXXX has invited you to become a secondary account holder on their 360 Checking with Capital One, and XXXX has invited you to become a secondary account holder on their 360 Savings with Capital One respectively.
I assert that on XX/XX/XXXX, I opened the emails from the bank, clicked the link of Accept Your Invitation in these two ( 2 ) emails and enter the information the bank asked on its website. Then, the bank informed me on its website, that You became the second account ( s ) holder already.
On XX/XX/XXXX, my mother XX/XX/XXXX sent fax to Capital One stated : I tried to add my name as a joined account holder to my account ( s ) with you online in her fax entitled my Written Correspondence and Documents for your Request, From XX/XX/XXXX through XXXX XXXX, XXXX XXXX deposited part of the federal benefit ( retirement ) payments she received from Social Security Administration in the amount from {$630.00} to {$690.00} per month to her mother XXXX XXXX account ( s ) with XXXX, where the bank withdrew the funds from my mother 's XXXX checking account via Inter Institution Transfers.
Capital One made false statement that my mother XXXX XXXX account ( s ) don't have any joint holders, and has denied my mother and my access to our funds since middle XX/XX/XXXX.
2. Took {$9000.00} out of our account under pretext of mailed it to me Where is the {$9000.00} payment to me? the bank withdrew from our checking account? while the bank claimed it was Sent on XXXX and Deliver by XXXX stated on capital one 360s website, I have never received the said payment, and my mother and I sent fax and U.S.P.S. certified mail asked the bank to stop payment. We also asked the bank providing a copy of the check it said it mailed ot me on XXXX. As of today, I have never received the requested copy of the said check, nor did I see the bank returned the {$9000.00} back to our bank account.
3. without authorization of us, XXXX linked external XXXX Checking was removed on capitalone.com For many years, my mother XX/XX/XXXX Bank Acct has a linked external XXXX checking account for Inter Institution Transfers . My mother XXXX XXXX Checking showed : ACH Electronic Debit XXXX CAPITAL ONE N.A. CAPITALONE from checking in the amount of {$9000.00} on XX/XX/XXXX, etc. We noticed that after this transaction, without authorization of us, XXXX linked external XXXX Checking was removed on capitalone.com.
Thereafter, my mother XXXX tried to reestablish the linked external XXXX checking account, XXXX, by adding the link herself on capitalone.com and selected the link was going to be used as Inter Institution Transfers, but on the next day, she found on capitalone.com that, without authorization of us, the link my mother XX/XX/XXXXadded the day before had been changed into to be used as Payment. On capitalone.com, she read the Payment means she can ONLY use this link for paying our Bank Acct from the linked external XXXX checking account. Therefore, she did not sign in, did not confirm, and removed this link on capitalone.com on that day.
4. On XX/XX/XXXX, XXXX on capitalone.com, my mother XXXX tried to make payment to her XXXX credit card with capital one in the amount of {$400.00}, and found out that payment she made day before was took out of her credit card payment with our authorization.
5. The Bank has failed to comply with the requisite notice of the garnishment of our s account ( s ) since XX/XX/XXXX My mother and I could not use our bank accounts funds to pay the bill. We also found that we could not use transfer function to transfer our bank account funds among our Bank Accts. The bank has never provided us the requisite notice of the garnishment of our s account ( s ) since XX/XX/XXXX.
.
|
11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have a credit card with Capital One. I made a payment on XX/XX/XXXX for {$2000.00} to my account with Capital one at the time the balance was {$3600.00}. My payment was for the wrong amount. I called Capital one on XX/XX/XXXX to have my payment modified. They stated on that called that they would have the payment refunded to me and I would be able to resubmit the amount I meant to pay. On the XXXX XXXX a payment adjustment for the {$2000.00} was reflecting on my credit card account balance. On XX/XX/XXXX, there were 3 different phone calls taking a total of 36 minutes and 6 seconds with Capital One about the refund and I was advised it would take 5-7 days business days to be received. On XX/XX/XXXX I made a payment of {$100.00} to this account. On XX/XX/XXXX XXXX for 36:38, I called for an update on the refund and was then advised would take 7-10 business days.
On XX/XX/XXXX My credit report reflected this card having a balance of {$3400.00}.
On XX/XX/XXXX while still awaiting the refund, I called Capital One. I was told a case was being created to identify why I haven't received the refund.
XXXX filed XX/XX/XXXX XXXX for 20:15 I received no follow up about issue. I was also advised to reach out to my bank to see if they could assist in having the payment refund addressed.
On XX/XX/XXXX My balance of account was raised by an additional {$2000.00} payment adjustment + {$8.00} interest charge.
Another XXXX was filed # XXXX filed when called on XX/XX/XXXX XXXX on call 49:10 ( I was told details on this call that the case filed on XX/XX/XXXX is unable to be seen by supervisor/stated it was filed incorrectly. ) I made my monthly payment of {$110.00} on the XX/XX/XXXX due date.
Called Capital one spoke with someone name XXXX XX/XX/XXXX about incorrect balance still reflecting showing on my credit report.
Balance reflected at {$5500.00} a credit utilization increase of over 63 % of credit limit causing grave effects to my credit score due to the negligence of capital one.
As of XX/XX/XXXX Past due status reflected XXXX minimum payment due of {$1900.00} On XX/XX/XXXX my credit report reflected this card having a balance of {$5500.00} On XX/XX/XXXX called XXXX for 43:17 before call dropped Spoke with XXXX XXXX customer service : States that she only sees a note stating that all previous calls have been made about the status of the refund Capital one still owes to me.
Then transferred me to : XXXX XXXX account supervisor read all note details on file and then transferred me to an account manager who she states are supposed to be able to address it.
Called again XX/XX/XXXX XXXX spoke with : XXXX XXXX transferred to a silent line it disconnected after 9min 15 seconds of holding.
Called back again XX/XX/XXXX at XXXX XXXX transferred to XXXX XXXX account supervisor Conference called XXXX XXXX directly spoke with XXXX to verify no payment was ever received by Capital one for my refund. XXXX further reviewed the account with several internal departments. Stated that Capital one never approved the initial refund and the secondary refund after the two cases were open should of been received. Acknowledged that an internal team reversed the payment in error the second time and that they would be working to resolve it on that day. Requested a callback number after 1 hour 20 minutes into the call because would take more time and didn't want me to have to hold any longer. Stated she would call me back prior to XXXX with an update and resolution. I never received a callback and the account wasn't resolved.
I submitted a payment for {$110.00} on XX/XX/XXXX due date.
XX/XX/XXXX I was called by Capitol One collections agent XXXX XXXX Advised account 31 days past due with a balance $ 5,500+. On this call, I requested that she reviewed my account history. She then saw the payment adjustment applied to my account in error and the payments made every month on time. She stated her collections department couldn't correct the errors and I would have to call customer service to have the errors on my account and my account reflecting as past due to be corrected. I acknowledged that I'm still awaiting follow up regarding all the previous escalations and calls.
This account balance is now {$5700.00}. I have disputed it with the credit reporting agencies and they stated it is verified as correct. Capital has refused to rectify the issue and stated it is handled by a team that can't be reached via phone.
|
02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
On XX/XX/XXXX, I rented a car from XXXX XXXX company. As a Capital One XXXX XXXX owner, I knew that the car benefits included " XXXX '' rental car insurance as a benefit following certain requirements. I double- and triple-checked Capital One 's site and found a brochure regarding all of the benefits offered to Capital One XXXX XXXX cardholders . I made sure to follow the requirements closely, including refusing the rental company 's insurance policies, in order to receive the benefit. I even called customer service who assured me that the benefit was still available.
After renting the car from XXXX, VA my girlfriend and I were on a one-way trip to XXXX, NY. Immediately when entering the car, red flag after red flag popped up, resulting in delays. We ended up embarking on our journey the following morning, XX/XX/XXXX. Due to ongoing delays due to the car 's condition, we had to extend the rental period by one day ( until XX/XX/XXXX ). On the way, we had a relatively bad traffic accident but were fortunate that we did not get hurt. It is our suspicion that the accident was caused by one of several mechanical issues we encountered while on our trip. The only damage was to the front, driver-side bumper cover.
We returned the car, filled out a few forms, mentioned Capital One 's insurance policy, and were on our way from XXXX once we reached our destination. On Monday, XX/XX/XXXX, after hearing no news from XXXX or Capital One, I decided to call the bank regarding the claim that should have been filed. The call lasted 1 hour and 45 minutes as Capital One redirected me to XXXX, XXXX redirected me back to Capital One, and this went on for an hour and a half until I asked to speak to a supervisor at XXXX who helped me. They said they would file the claim for me and that I would hear back from the corporate office. I heard back today, XX/XX/XXXX, and was told that Capital One removed the XXXX rental car insurance benefit on XX/XX/XXXX, but that the information regarding removing the benefit was sent out in a billing statement in XX/XX/XXXX, when I was not yet a Capital One XXXX XXXXXXXX cardholder.
Yesterday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX who provides claims administration for XXXX XXXX, claiming that I owe them a total of {$980.00}. The charges are as follows : Vehicle Damage : {$750.00} Loss of Use : {$130.00} Administrative Fee : {$100.00} It mentions that " per my rental contract, I am responsible for the costs associated with the damage regardless of fault. '' I strongly believe that the accident was caused by one of the mechanical issues with the rental car, namely bad visibility on the road due to a malfunctioning windshield wiper nozzle on the driver side, and overinflated tires, especially the front left ( driver-side ) tire. Because I was assured Capital One still offered XXXX, as their Capital One XXXX XXXX Guide to Benefits brochure confirmed, I declined all insurance and accident coverage offered by XXXX, which resulted in me getting no coverage and bearing the entire amount for damages. Capital One refuses to accept the blame, XXXX can not help me, and XXXX expects me to pay {$980.00} for damage after they endangered my girlfriend and me.
I strongly believe Capital One should accept the blame for their poorly managed website, their uninformed customer service representatives, and for forcing customers like myself to put themselves at risk. In fact, when contacting XXXX, an agent told me that the only reason they know that Capital One removed this benefit from their cards is because so many people have been in the same shoes and have called XXXX for a solution.
After speaking to a manager on the phone, I was told that Capital One notified customers about removing the benefit on their XX/XX/XXXX Billing Statement. I was not a Capital One cardholder until XXXX, so I received no notice that the benefit was no longer valid before it was removed on XX/XX/XXXX. The supposedly outdated brochure is still live and accessible online and describes the benefits that the Capital One XXXX XXXX should offer. If it was not easily accessible through Capital One 's website, it would not mislead customers into believing they are protected in the case of rental car damage. Please see this link or the attached document for the aforementioned Capital One XXXX XXXX Guide to Benefits document : https : //www.capitalone.com/media/doc/credit-cards/benefits-guide-platinum-mc.pdf
|
10/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Retaliation performed by CapitalOne for reporting them to you, the XXXX and the FTC~ As you are aware, the issues I have had with this business have been the most underhanded and malpractice experiences one could wish not to happen. When this problem started it was about how XXXX XXXX hit my account 2x for XXXX back in XXXX which underwent a series of calls between Capital One 360 and XXXX over the misconduct performed. The checking account I had was closed and a new one opened " so I thought '', which when my new direct deposit from my employer deposited it into the new account, Capital One had it go into the old account they said they had closed and they did not, this error led to other problems in a period of 5 months and counting.
After 5 months of this back and forth nonsense with this business, I finally got the money back from XXXX, however the problems continued with the 360 checking of Capital one, a new debit card was issued for the supposed new account ( checking ) but they had blocked it, why I have no clue and they don't either. I got fed up by XXXX and just said no more, close out everything including the credit card, I don't have time to be on the phone daily over this and get no where, it was obvious any Dept. you spoke too was clueless as to what was going on.
So I asked to pay off the Credit card which at the time it was XXXX, and i thought the funds were in the new checking account or old account i have no idea what they did but create one XXXX of a mess! Apparently the payment didn't go through as the funds were not there from all the back and forth confusion going on. I had asked them repeatedly to send a statement and a bill showing i owe them this money, because they continued to send me emails claiming i missed a payment, if the account is closed how do you miss a payment? Nothing was sent ( this was in XX/XX/XXXX ), months went on, more emails kept coming, I am working, behind the XXXX of an XXXX XXXX, i dont have time to go home and call and get aggravated by more of this wishy washy whatever they throw at me.This was becoming dangerous, I am to be focusing on my driving not be on the phone battling with a bunch of double talk. XXXX rolls around, and finally I am listened too, They then agree to send me a statement of the balance i owe, even in the checking account which was they said XXXX. But now collections is claiming i owe interest on the credit card, now they said its XXXX - I did finally get the statement balance in the mail late XXXX but by that time it was over, and it showed i owed XXXX but according to Capital one, its now XXXX, the cost kept changing. So i told them, via chat box, I am sending them a electronic check in the amount of XXXX and thats it! Im done. Dont contact me, dont email me, dont call me, just go the XXXX away. ( Proof attached ), The check would be sent out on XX/XX/XXXX, they would receive it by XX/XX/XXXX at their XXXX XXXX XXXX In Illinois, this would cover the Credit Card balance and any other charges they claimed i was owing.
The check Paid a few days after XX/XX/XXXX - I thought i was finished with these goofs, but nope, now they put on my reports all 3 that i missed a payment, there was NO PAYMENT, nothing was ever discussed of such. So i filed a dispute and contacted the XXXX, because now not only is minnesota office involved like the XXXX XXXX IL office, but here comes XXXX XXXX XXXX Utah Capital One claiming i am delinquent AFTER THE FACT the XXXX was quickly cashed ( proof attached ), so here i am again reporting them a 4th time, just when it looks like they made the corrections, today XXXX, i get an alert from XXXX about my credit report, i open it up and BAM!, they reported me as a HIGH RISK in Red Letters to XXXX and delinquent to XXXX and XXXX.
This is XXXX! ~ I am ordering them to remove their name and lies! And stay away from me that goes for ALL of Capital Ones offices jumping on this retaliation band wagon. These people are not going to try an ruin my life like they tried 14 years ago when they left a negative lie on my report and let it pass the statute of limitations back in XXXX, it took the FTC to get on their case about that as well.
This business is like XXXX, if it dont get its way it retaliates. Bunch of XXXX children. I tried calling Capital One tonight too find out what their problem was, i was put on hold for 25 minutes then the call was hung up from their end, so i'm finished with this XXXX.
|
03/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
In XXXX of XXXX for a Capitol One credit card for XXXX XXXX ending in # XXXX we made a complaint against the merchant XXXX XXXX that began fraudulent debits the beginning of XXXX. More than 7+ debits were challenged and submitted to Capitol One. Monthly we inquired with Cap One and were told the process time to resolve the dispute was on going. Beginning in XX/XX/XXXX, we called Capitol One monthly and requested to pay the entire amount of the card off but were advised to pay the monthly minimum and once the disputes were resolved then we could pay the entire amount off. The Cap One representative indicated they would put in the notes this advice. We asked the representatives to call us when the disputes were resolved so we could pay off the card. Multiple times from XX/XX/XXXX to XX/XX/XXXX we were told this. Every time we asked for the notes to reflect our conversations. Our last payment was XX/XX/XXXX. We made a decision to stop making monthly minimum payments, as the net balance was not going down, there was no seemingly resolution in sight. We felt Cap One was monthly nickel and diming us with no intent to resolve the disputes. In early XXXX we filed a Power of Attorney with the company and requested all phone notes be sent to us. This request has never been acknowledged, much less complied with. Multiple times in XXXX representatives proffered their ECU department would contact us to settle the account. It has been our desire and our complete ability to payoff the card in its entirety. Finally on XX/XX/XXXX after speaking with a general representative attempting to again get a monthly minimum payment, we were successful in transferring to the ECU department. The initial agent offered to close the account for {$2300.00}. Mind you the credit card limit was {$2300.00}. We refused saying we had made 15 payments since XX/XX/XXXX and felt this was completely unfair. The agent said she could not negotiate anything lower. After we requested who to reach to do such negotiations she said she didn't know. After many minutes of expressing frustration, the agent transferred us to a supervisor. We expressed to the supervisor our intent to settle the card, pay off what we owed and close the account. Our offer was the initial {$2300.00} card limit minus a ball park figure of {$75.00} for each of the 15 payments. The supervisor said she needed a minute and put us on hold. The agent returned and stated in fact we had paid {$1300.00} ( not {$1100.00} the {$75.00} ballpark would have been ) since XX/XX/XXXX and offered a {$970.00} amount to pay off the account. We agreed. We spent several minutes going over policies the agent needed to inform us about and then were put on hold. After the hold, the agent came back and said the {$970.00} was a no-go and an amount of {$2600.00} was needed to pay off the card.
We feel Cap One acted in very devious ways. We were the ones subject to credit card fraud by a 3rd party merchant. We consistently called monthly Cap One. We were advised not to pay off the total and just pay the monthly minimum. We always asked for these conversations to be put in the call notes and were assured they were. ( In fact, on the XX/XX/XXXX call referenced above, we were told by the ECU department that the notes couldn't be retrieved before XXXX -- -- How Convenient!!! ) We filed for a power of attorney, we requested a copy of all past call notes, and we never heard from Cap One. Not until we decided to stop paying monthly did we hear from them on a daily basis asking for a monthly minimum payment -- -even After we asked for them to stop calling. We were assured on several of these calls after explaining to a new rep what was going on, them profusely apologizing and saying they understood, that someone from ECU would contact us by phone to resolve this. Never Happened!
We still are willing to pay what we feel is the Fair amount, as we were in XXXX. Even though we have spent hours and hours ( guessing, well over 35 ) and would trust the government advising us of any action we could take against these seemingly purposeful and devious tactics. We have been a long time Cap One customer ... .bank accounts, several credit cards, loans ... ..we have today closed two other accounts and plan on closing our remaining business with them. This synopsis does not due justice to what has transpired over the two years, but we are willing to discuss further if it will actually make an impact. Thanks!
|
07/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
In XX/XX/2017, I applied for a capital one platinum card to help with pulling up my credit score with plans to use a vacation at the end of the month. I was recommended to capital one by XXXX XXXX. So, I applied online and got an approval for {$300.00}. I received the card in the mail and called to activate the card and was told that I needed to be referred to the fraud department without explanation that had meaning. My thinking is that I just needed to give additional verification to activate the card. I was on the phone for 20 mins and no one could give me information to as " why am I in the fraud department ''. So, I was transferred around and then spoke to a fraud rep .... this person tells me that I need to mail in my ssn and drivers license number. I explained to this must been a racket ... because no legit cc company would do that because of the fraud risk that would be associated with mail and email. I explained that I planned to used this card on my vacation for a rental car that started the next day ... they did n't care. I asked to speak with a supervisor. After much time passed, then a male supervisor gets on the line. I explained the same to him that I needed to activate the card to start my vacation. He did n't care and insisted that I send in the proof of my identity. He repeatedly said that I 'm still in the verification process. I told him that this does n't make sense. How do you run my credit in a hard inquiry form, mail out a card and I 'm not verified? I even asked why was I selected for verification? He stated that he did n't have to tell. I asked why.. he would n't say, he was very condescending acting as if he was doing me a favor. I even advised that am a authorized user on my husband card with capital one and they should be able to use that as proof of my identity ... and in turn that will be the same ssn and address to where my card was sent. He said that he could n't use that information verification. I expressed that I was n't comfortable about sending copies of vulnerable information in the mail and especially after the fact ... i told him this process was crazy and very unprofessional due to this was just like driving off the car lot with a car and then two weeks later the dealer calls back saying that I need to bring in my ssn and drivers license. He laughed and stated the same. He gave no resolve at all. My car loans are even with capital one. Shame on them because this caused me unnecessary stress and heartache. Because my husband and I had been working on my credit for year and now is destroyed again because of capital one negligence. After no help from the supervisor I asked for my to cancel the activate, application and the card because this was ridiculous in their practices ... I asked why was n't I informed online when I applied for the card that I need more information? The asked why is this the first time being asked at activation and after i had to call them and why were n't they proactively seeking me? I told him he had no sense. He then stated that they have tried to contact me ... I asked how and he then stated via email ... I asked what address they had for me ... he could n't produce it because he was lying. He then begin to explain they called me ... I asked for what number do they have ... he could n't tell me ... he was lying .... I told him that they have no integrity at all. I asked for him to email the letters that they sent stating they tried to contact me proactively.. I never received.. Because they did n't proactively try to resolve this matter until this phone call. After no rentention, I asked him to cancel since I could n't activate the card at all and still was in verification status. He stated that he will close the account with a XXXX balance.. I stated that he should n't have to close anything because it was never open ... he stated that when you apply for a card that opens the card ... I objected that because it 's a lie ..he over talked me and interrupted ... I was taken advantage of by capital one because they open the account without proper verification and reported to bureaus and by them doing this it dropped my score by 60 points. It 's not ok that credit card companies can do whatever they what with consumers constantly taken the hit on their credit. We consumers should n't have to take the abuse. Because the card should have never been open nor reported on my credit since I was still in the verification status.
|
08/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I'm submitting my complaints against my credit card bank, Capital One. What started out as a simple transaction dispute ended up becoming something complex because of the bank 's internal error.
When it comes to either debit card EFT resolution or credit card Reg Z dispute resolution, it is highly unusual to witness an instance in which the provisional credit amount is significantly different than the final solution amount. It can happen, but not often.
In my case, the discrepancy in those two amounts occurred because of a billing error committed by Capital One, which made what should've been a simple error dispute investigation into something complex. What's really unfair about this is that I somehow ended up with the consequences.
On XX/XX/2021, I purchased five ( 5 ) items from Walmart online for a final total of {$3600.00}. Only four ( 4 ) items were delivered, but not the fifth item, which also happened to be the most expensive - audiophile headphones that cost {$1900.00}. Of the four items that were delivered, I ended up returning three ( 3 ) back, the amount of which Walmart issued a refund for each of the three, totaling {$1300.00} ; I kept the fourth item, which cost me {$290.00}.
So, what about that fifth item that costs {$1900.00}? Well, it was never delivered to me, thanks to the carelessness of the XXXX delivery man, who pretty much fessed up when I asked about the whereabouts of the said package that was marked delivered and required my direct signature due to the value of the item. He was in a hurry and decided to sign the package himself and left it unattended, which is now missing.
I did my best to work things out with the seller until it decided to go silent and refused to respond to my concerns. So, I went to Capital One, which issued a provisional credit in the amount of dispute {$1900.00} on XX/XX/XXXX ( " the date of the dispute '' ) as required by law. I also provided written statements and supporting documents to prove my claim.
But on XX/XX/2021, someone at Capital One decided to charge my account again in the amount of {$1300.00}, which happens to be the total for the three items that were returned and refunded without Capital Ones intervention ( and not the disputed amount ), sending my current balance beyond the credit limit. This was in addition to an error resolution notice, which was vague in its content, stating that Capital One will charge my account in the initial dispute amount of {$1900.00} because the vendor decided to credit my account in the amount of dispute. Yet, this alleged credited amount never shows up.
Capital One erroneously inferred that {$1300.00} in credit from Walmart was being issued in response to my dispute, the amount of which is {$1900.00}. Am I the one suffering from XXXX? Because I'm fairly certain that {$1900.00} does not equal {$1300.00}. Furthermore, {$1300.00} was actually issued in three separate installments, each for items returned. And I returned those three and refunds were issued PRIOR to the date of the dispute.
If you have kept up thus far, then this is the current state of my account : 1 ) Ordered five items, ended up returning three, kept one, and one missing or stolen. I believe the consumer protection law is clear on this - I'm not liable for the item or its value in its entirety since it was never delivered to me.
2 ) For some odd reason, Capital One decided to rebill me for those items that I had already returned and considered my dispute resolved when it didn't even bother to investigate the correct dispute amount.
I spoke to several Capital One representatives and two of the supervisors at the bank 's error dispute resolution center. Even the supervisors, who seemed to understand the error on the bank 's part and reversed the billing error, only to rebill my account again a couple of days later. This is infuriating and this sort of error should not occur at one of the nation 's largest banks, touting how technology-focused it is. Either the bank needs competent staff who understand basic arithmetic or better to fine-tune its tin can, so-called its central processing server!
Capital One is now making me pay for its own mistake and I am stuck with paying for items that I already returned. I've been on the phone for hours explaining this whole thing in different ways. Capital One needs to provide better compliance training to its staff and possibly remedial math as a good measure.
|
01/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX I purchase 4 sweat shirts from XXXX XXXX, XXXX XXXX XXXX in XXXX for {$58.00}. After receiving the items on XX/XX/XXXX, I noticed they were printed wrong. The store was closed so I sent a very disappointing email letting them know that the sweatshirts were wrong, there was no QC and that I couldn't use them at the event I was going to the next day on XX/XX/XXXX. I stated that I have had several printing issues with this company and I was fed up. I wanted my money back and that I would gladly sent them the defective merchandise back if they sent a courier or something to get the items. I never heard back from them so I called when the store was back open on Monday, XX/XX/XXXX. I told them about my problem, the email that I sent and that I wanted my money back. The person I spoke with asked me to return the items, I said I gladly would but I needed them to send me the appropriate shipping materials in order to return the merchandise like a XXXX XXXX, XXXX, package and label. The person I spoke to said she didn't know how to do that. Was very rude and hung up on me. I called Capital One and disputed the charge and told them everything that happened very thoroughly, they didn't ask me for any documentation or anything. The owner called me back the next day and stated she would send me the materials necessary to send the items back. Well, she never did and I never heard from her again. Meanwhile, Capital One sends me a letter stating that the company disputed my request as " confirmation showing no return per policy was received. '' I then called Capital One because they knew that the items weren't received due to me not having any shipping materials or label or anything to due so. I called back and finally spoke with a supervisor XXXX, explained everything and she was supposed to call me back so that we could call the merchant together and she never called me back. I called back again and finally spoke with another supervisor XXXX and he tried calling the merchant with me on the phone. The person XXXX and I spoke with said she didn't have any authority to do anything and that the owner was out of town until Thursday XX/XX/XXXX. She said she would have the owner call me. XXXX put a note to call me back Monday XX/XX/XXXX to see if the merchant called me back to resolve the issue. XXXX asked me to upload documents to show I requested my money back for the defective sweatshirts, I did, I uploaded the image of what I ordered what I actually received incorrectly, the email requesting my money back along with a request for a way for them to get their items back and screenshots of the calls I made. That same day I received a letter from Capital One stating they couldn't help me. I didn't reply just waited on XXXX 's call. Today XX/XX/XXXX, XXXX called me at XXXXXXXX XXXX CST, I missed his call, called him back immediately, couldn't get a hold of him but spoke with another supervisor who said he would have him call me back. XXXX called me back. we called the merchant again, he didn't include me on the line with the merchant this time, just put me on hold and when he came back he said that the owner still wasn't there and the person said she couldn't help who he spoke to and they couldn't help me and were closing my case. I was furious. He said it's because I didn't provide documentation of canceling the order. I kept trying to explain to him there was nothing to cancel. I'm asking for a refund because they ruined my order. I asked to speak with supervisor, he refused and said there was no supervisors over him taking calls. I asked to be transferred to the executive office to complain, he told me he couldn't. He said they weren't accepting calls either and I could provide feedback online. I asked to have his supervisor call me back, I stated I was going to contact the CFPB and he said he couldn't help me and finally hung up on me because I said I wouldn't disconnect until I received help. I am so frustrated as I have been dealing with this for such a long time and they know the merchant is shady and haven't been cooperating. They didn't ask the merchant to provide any documentation and they totally dismissed the evidence I provided. They said they did an investigation but they admit that I'm right, but because I didn't cancel the order they can't assist. I can't believe that I'm the customer and haven't gotten any justice. I hope someone here can help me get my money back.
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11/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have had a credit card account of one type of another with Capital One since XX/XX/2011. I currently have two accounts with them. I had never missed a payment and rarely carried a balance with any of my credit cards. At the beginning of this year, in XX/XX/XXXX, I started to have some problems with transactions that I had not made appearing on the accounts. I went through the proper dispute steps with the company but was often transferred numerous times to various departments. I would be told the dispute was made and the transaction was removed only to have it placed back on the card or cards without any further information. Finally, in XX/XX/XXXX the transaction on my GM Capital One Card was permanently removed. When I talked to the representative on the phone I asked if both transactions were taken care of or if there would be anything else I needed to do. I was told that the company needed no further information from me and that none of the disputed transactions would appear on my account again. Two days later the transactions on my XXXX card were re applied. No further information was provided. No explanation or record or proof of anything. I called Capital One back and asked for a supervisor. I explained the situation and that I had just been told by phone that the situation was handled and nothing further was needed. The supervisor informed me that no notes of that kind were recorded on my account. He went as far as to tell me there was no record of me contacting the company on the day in question. Obviously my phone records would contradict that. The company has never provided proof of anything. I was then told that due to the amount of time that had passed there was nothing that they could do. I had followed every step that Capital One had given me. I was told it was taken care of. Due to their own lack of communication and the language barrier with their overseas operators Capital One greatly dropped the ball on this situation and has taken no responsibility. Basically at this point, they would have to eat the difference and they aren't willing to do that. Capital One advertises 100 % fraud coverage constantly. They have not only screwed up my account but breached our agreement. When Capital One added the transactions back to the account in XX/XX/XXXX I told them I wouldn't pay anything further until it was straightened out. I can not pay a balance that isn't accurate just because they say so. During that time they have added numerous late fee and interest charges. My account is currently so out of whack they are wanting {$680.00} to keep from charging it off. All they had to do was remove charges that were not made by me. The only information I have bee given is that the purchase were for children 's clothes or toys from a company in XXXX. I don't have any children and I certainly never ordered anything from XXXX. In the past year I have reported this to the XXXX XXXX XXXX and the credit bureau sites. The XXXX XXXX XXXX asked for a response to their response which was Capital One saying they could find no such transactions, when in fact it was the last transaction posted on the account. I wrote the response within the allotted time and never heard back from Capital One or the XXXX XXXX XXXX. When I turned in a dispute to XXXX, Capital One responded back with how they didn't see any disputed transactions on the account and that dispute through credit sites like XXXX were often not initiated by the card holder. I have no idea what that even meant, but it was obvious that XXXX nor Capital One had any desire to try to correct the situation. The transactions were easy to find with the corresponding dates they just have no desire to correct it. The transactions were corrected on the GM card but not the XXXX card which makes this all the more confusing as to why this has been so hard to correct. I just want my account and credit restored. I had a XXXX credit rating before all of this happened and as I said had never missed a payment. I now have a XXXX credit rating. This has left me unable to buy a new vehicle or pursue employment in the XXXX sector in an attempt to transition from XXXX XXXX. This is greatly affecting my life and taking away my freedom as an American simply because of a greedy credit card company. There isn't a cause for this other than a large corporation that outsources their labor to foreign countries and doesn't require them to speak English.
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01/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Capitol-One " GM CARD '' MasterCard ( former ) customer ending in XXXX Subject : Formal Complaint and Dispute of ( now closed ) Late Fee and Interest, GM MasterCard Account Sir or Madam, I am formally registering a compliant regarding my recent experience with Capital-One ( CO ), and formally disputing the {$27.00} late fee and {$19.00} charged on XX/XX/XXXX, resulting in my cancellation of this approximately 30 year old account.
The payment due date for the month on my " GM '' card was XX/XX/XXXX ( CO instituted an arbitrary XXXX XXXX cutoff time for phone and internet payments ( interestingly unlike ANY other financial product, or credit card, that accepts payments until XXXX of the due date -- this practice by CO is likely to extract more fees from consumers ) I phoned in to CO slightly BEFORE XXXX, XX/XX/XXXX, and their automated voice system would NOT accept my input, I subsequently spoke to a representative and paid my balance, IN FULL, by phone from my on-record bank at MINUTES after XXXX.
I asked the representative on that payment call if I was going to be assessed a late fee for CO accepting my payment, in full, MINUTES after XXXX, and the rep said no, but to call back in a couple of days when/if late fees showed up.
I called several days later, asking if there were any late fees assessed, and the representative said that no late charges were shown on my account.
I received my paper bill from CO, showing a late charge of {$27.00} ( interestingly posted on XX/XX/XXXX, while TWO representatives stated there were no late charges shown on my account ) and interest of {$19.00} ( the monthly bill was paid IN FULL on XX/XX/XXXX ).
I called CO on XX/XX/XXXX, inquiring why there were late fees and interest on my past bill, and requested these charges be removed. After a lengthy hold, twice, CO flatly refused to remove these charges, I informed the representative I would cancel the account immediately if these charges were not removed. I cancelled the account on XX/XX/XXXX on that same phonecall, due to CO not removing these charges ( after being a GM Card client for approximately 30 years, with a flawless payment history ).
In another call, I further inquired why I was told twice by CO representatives that there were no late-charges my account, then they showed up on my bill, ON XX/XX/XXXX, the CO supervisor stated this must have been a " representative error ''.
To summarize : My XX/XX/XXXX payment, PAID IN FULL, was MINUTES " late '' due to CO system not functioning properly.
CO assessed a {$27.00} late-fee, and interest of {$19.00} on XX/XX/XXXX.
CO told me, twice, that there were no late fees, and to call back to get the matter rectified.
CO flatly refused to remove the late fee and interest, AFTER putting me on hold TWICE for an extended time.
I closed the account due to CO 's erroneous, petty, and intransigent treatment of a 30-year client.
I informed CO to never send me any marketing materials, nor contact me by any means after this matter is settled.
Please be informed that I am formally disputing the {$27.00} late fee, and {$19.00} interest charge, and will deduct this amount from my next due FINAL PAYMENT to CO on this account ( I have paid the XX/XX/XXXX due bill, IN FULL, on XX/XX/XXXX ).
I am filing formal complaints with the CFPB, and NC and UT State Attorney Generals ' office.
I am also contacting GM Director of Marketing regarding CO 's treatment of their customers for their " incentive '' programs. In addition to no longer having a GM card after 30 years ( and two recent GM new vehicle purchases ), I will not do business with GM any longer as long as they patronize companies such as CO to " administer '' their incentive programs.
Further be informed, that if CO records ANY negative information on my credit history as a result of this matter, I will be contacting legal counsel for appropriate compensatory and punitive action.
Finally, I do not recall, in my 40 years of business and personal experience, a more petty, unscrupulous, illogical business transaction as with CO. CO apparently chooses to coerce customers ( even 30 year clients ) and extract rapacious petty junk fees ( notwithstanding resulting from Capitol One 's error in the first place ) versus retaining 30-year loyal customers. Best of luck with that brilliant and upstanding business " strategy '' -- Capitol One certainly epitomizes the negative reputation of banks.
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08/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Beyond XXXX aka XXXX XXXX XXXX Angles keeps charging my Capital One credit card for {$190.00} per month after I cancelled my business with this merchant and sent multiple letters to the merchant to stop charging my card. I received one phone call from the merchant agreeing to stop charging my card.
XX/XX/XXXX. I never signed a contract authorizing recurring charges on my card for a specified time period and I do not have a contract with this merchant. This merchant keeps charging my card without my consent and contrary to stating that the merchant has cancelled my account and will no longer charge my card ( My cancellation was confirmed by the owner of XXXX XXXX XXXX XXXX in XX/XX/XXXX for charging dating back to XX/XX/XXXX going forward to now. My credit card was manually added by the merchant to their credit card payment system every month in order to charge me monthly as advised by Capital One.
I have opened multiple claims/disputes with Capital One to stop the merchant from charging my card. I am being told by Capital one that a ) they have blocked the merchant successfully from charging my card. Then the charge hits my credit card account again, Capital one will say I'm sorry but the block on the merchant was unsuccessful. Capital One advised me that the only way to block XXXX XXXX XXXX from charging my card is to get a new card issued to me. I took their advice and was inconvenienced with having to contact my auto pay accounts with my card number and wait additional time for a new card because Capital One screwed up my card order and sent the new card to the wrong address. After I received the new card, XXXX XXXX XXXX was still able to put the {$190.00} charge through to my account. I was told on XX/XX/XXXX by an account specialist supervisor that I have to contact XXXX XXXX to block the charge. Then I was told by the fraud department XX/XX/XXXX that they needed to cancel auto update on my account to stop the merchant from billing my card. The Capital one Fraud department assured me that they cancelled auto update on my credit card and XXXX XXXX XXXX will not be able to charge my card. This was also not true. The merchant 's charge hit my account on XX/XX/XXXX. Then I called Capital One customer service disputes dept again on XX/XX/XXXX and was reassured again by an irritated customer service agent that the block has been successully placed on the merchant and that merchant will not charge me again. Fast forward to XX/XX/XXXX The merchant tried to charge my card again. I called customer service XX/XX/XXXX to try to resolve the issue and was told to file a FTC charge by XXXX and that Capital One will get to the bottom of the issue. XXXX said he has to connect with a SR account specialist in order to solve the issue. The Sr. Account specialist XXXX XXXX read from a script didnt listen to the information I told her after asking me to repeat what I told XXXX. She said she could not do anything because the charge is not set up as a recurring charge and that I have to speak to the merchant face to face.
I got transferred to the Fraud department and spoke to " XXXX ''. He was not knowlegeable about his department. Kept repeating the same thing over and over while mumbling and stumbling over his words. I ask about auto update on my account he is clueless and asks " what do I need to know about this for? '' He says I can't do anything about auto update and just repeats the transaction activity that is on my account. I ask to speak to a supervisor he says sure and put me on hold for a very long time just to come back on the line and tell me that I have to call back tomorrow because the supervisors are not available then he says the supervisors have no hours today. I have spoken to supervisors on Sat and Sunday. I am left with a recurring charge on my account from a merchant according to capital one is manually entering my credit card information each month to charge my account. I have spoken to the merchant and the merchant agreed to stop charging my card. Capital One keeps giving me the run around regarding this issue or they are clueless and can not answer my questions or offer any assistance. Out of desperation, I had to run up my balance so that the merchant 's charge will be declined to " alert '' the merchant that they are still charging my card as well as test to see if Capital One 's latest assurance that they have taken care of the issue was indeed true. XXXX
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02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I opened my Capital One XXXX credit card on or around XX/XX/XXXX, when my credit score and credit history were poorer than they are today. Since opening the credit card, I have requested numerous credit limit increases and I have been denied for each and every single one. These denials have certainly been automated, and no human has ever looked at the credit limit request ; each denial is system-generated and automated in nature. I was able to speak to a Capital One customer service representative about this concern in late XXXX or early XX/XX/XXXX, and I was told by her that there is no such thing as a manual review process for credit limit increases with this card -- all reviews are system-generated and there is absolutely no way for a human to intervene. The representative advised me to continue using the card for purchases -- thus incurring fees and interest that would financially benefit Capital One -- and continue making on-time payments. In the nine months since I've had the credit card, I have never been late ; I have made well above the minimum payments required ; I use the card a few times a month ; I sometimes pay off the balance in full within a day or two of using the card ; and I have met every single condition that each of the attached credit limit increase denial letters states. The attached denial letters constantly change in what's expected of me to receive a credit limit increase : first the account was too new, so I waited and requested again at the XXXX and XXXX mark ; after that, the denial reasons were that there were too many inquiries reported to Capital One by their monthly soft pull of my credit reports ; then I am told that I am mot using my current credit limit enough, even though this particular reason is entirely false. On top of this, my credit score and credit history have improved drastically since I was initially approved for the credit card in or around XX/XX/XXXX, and the additional inquiries for which I am being denied the credit limit increase have absolutely no bearing on my creditworthiness with Capital One nor how exponentially my overall credit worthiness has improved since I opened this credit card. Despite all of my excellent payment history with this card, excellent card usage, meeting all the so-called requirements that Capital One 's own representatives and written denial letters have advised me to meet, and now having even better creditworthiness than when I was approved for the card nearly one year ago, I am continually denied a credit limit increase for various reasons that change each time I request a credit limit increase. That said, since no human can intervene to review credit limit increase requests, and I am meeting the requirements each time the denial reasons arbitrarily change, this is abusive, unfair and deceptive to me as a consumer who is using this credit card responsibly and with excellent payment history. In summary, I believe Capital One is knowingly using abusive, unfair and deceptive credit and lending practices to routinely deny my credit limit increase requests, despite my outstanding payment history with them and other creditors and meeting their requirements each time I receive a denial letter. I believe Captial One is penalizing me and retaliating against me because I am paying off my balances, in full, before they can accrue any interest and make money for Capital One. I also can not be reasonably expected to max out my current credit line just to prove I am responsible with the card -- because here again, doing so would almost guarantee that maxing out my credit limit would mean I incur interest charges, which in turn mean money for Capital One. Because I refuse to pay interest charges and other fees that are not required of me, Capital One is taking negative, adverse action against me by denying my credit limit increase requests. Also of note is that Capital One offered me an " upgrade '' from my XXXX account to their Quicksilver card, in XXXX. Why would Capital One offer this upgrade -- to further deceive and mislead me into products that benefit only them? If my XXXX account were not performing well or I was not using it well enough, would they still offer this upgrade? This upgrade, to me, says I must be doing something right, but because I will not pay interest or unnecessary fees, I am not making Capital One money and thus they give false reasons for denying me credit line increases.
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05/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
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I have had a Cabelas credit card for approximately 40 years. Recently, it switched from a Visa card to a Capital One Mastercard. Everything was Ok until today- XX/XX/XXXX.
I charge at least {$50000.00} to {$75000.00} per year on this one credit card. I only have one credit card that I use for both my business and my personal life. I pay my bill off every month. I have a credit score somewhere around 800. I am a responsible consumer and always pay my bills on time.
Today, I tried to rent an RV online for a trip over the XXXX XXXX XXXX. The website would not take my payment via my Capital One Cabelas Mastercard. I tried to pay several times but kept receiving a note that there was a problem accepting my payment. The total amount I was trying to charge was approximately {$1500.00}.
When I checked my phone, I had a text from Capital One asking if I tried to make the {$1500.00} purchase. I responded yes and was messaged that everything would be fine with my card. When I checked my email, I had a similar question regarding the attempted {$1500.00} purchase. I once again informed Capital One that the attempted charge was valid and was informed that I could continue to use my card. Unfortunately, I could not use my card.
I called Capital One, waited on hold for a long time, and was eventually told that I would need to respond to an email they were going to send me and forward documents to reactivate my card. I told the operator that this was unacceptable and asked to speak with a supervisor. I waited on hold for approximately 30 more minutes only to be told that I would need to forward copies of my drivers license, my social security card, and proof of residency. I told her that this was unacceptable. I wanted my card reactivated immediately. She told me she could not do so because there was a major fraud alert on my card. When I asked to talk to her supervisor, I was told that this person would call once per day for several days to try and talk to me and I should not expect a call for at least 24 hours. No call has been received.
On XX/XX/XXXX, I emailed the documents requested by Capital One to the secure fraud email account. I sent pdfs of both sides of my drivers license, my social security card, and a power bill to show proof of residency. Having heard nothing by this XX/XX/XXXX, I called Capitol One. I talked to two operators, one of who said she was an account manager. This person told me that they could not verify the information that I had sent, that my account was permanently closed, and if I wanted a Capital One credit card that I would need to reapply for a new card. She could not or would not explain why they could not verify my information. She told me they had ways of verifying information and that I had somehow failed. When I asked her how I could send anything else or send them verifiable information, she said I could not-the account would be permanently closed and I would lose all of the Cabelas points I had accumulated on the card. I pointed out that they could compare my date of birth and social security number with the information they have on file for me. I pointed out that I was on the phone telling them the information I sent was valid. None of this mattered to her-the account was permanently closed and could not be reactivated.
I spent another 30 minutes on hold while she claimed she was checking a few more things out. She never came back and I hung up out of frustration. I suspect she put me on hold to just aggravate me and had no intention of coming back on the line.
This has all occurred because I tried to rent a recreational vehicle with a Cabelas card. It should not be shocking to anyone that someone who has had a Cabelas card for as long as I have would use that card to rent a recreational vehicle to go camping.
I understand security measures. I am a former XXXX XXXX XXXX and spent over 20 years of my life as a XXXX and XXXX XXXX. Once I answered all of the operators questions ( SSN, DOB, Etc. ) and answered a text and an email from Capital One, my card should have been reactivated.
The current balance of the account shows that I am entitled to a credit of approximately {$100.00}. In addition, Capital One has canceled all of the Cabela 's points I had accumulated from using this credit card. Because the account remains closed, I have no ability to seek return of the credit balance or utilize the rewarded Cabela 's points.
|
03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
-On XX/XX/XXXX, I logged into my Capital One account and noticed a charge for {$890.00} from XXXX on XX/XX/XXXX. The last order I placed on XXXX was in XX/XX/XXXX, so I knew this was fraudulent, especially with such a high amount. I immediately called Capital One to make them aware of the charge and report it as fraudulent. They closed the account and issued a new account to me.
-In logging into XXXX, under Order History, there was an order placed on XXXX XXXX for 39 external backup battery power banks totalling {$89.00}, but it was in a CANCELED status.
-On XX/XX/XXXX, I received a letter dated Mr. XXXX from Capital One stating that their fraud investigation was complete and that there was no indication of fraud and the charges would reflect on my next statement.
-On XX/XX/XXXX, I called the Fraud Department at Capital One and spoke with XXXX XXXX He said that XXXX did respond to them indicating that the order was placed, but then cancelled and the refund was given in the form of 'XXXX XXXX '. He attempted to call XXXX to contact XXXX, but the phone recording told him that they are not taking phone calls at this time. I called the number too and received the same message. He advised to send a customer support message to request that the 'XXXX XXXX ' be removed and {$890.00} returned to the credit card. I told XXXX that IF I had placed the order and then changed my mind and cancelled, if the store policy is store credit, then that would be on me, however, I did not place the order, so can not be liable for the charges and do NOT want 'XXXX XXXX '. The last purchase I made in XXXX was for a bakers rolling pin, valued at approximately {$5.00}, so I have no intentions of placing {$900.00} worth of goods from this website. XXXX advised to call back once I received a response to my message.
-On XX/XX/XXXX, I sent a customer support message requesting that the XXXX XXXX ' be refunded to my credit card due to a fraudulent order -- I provided the transaction number, the end of my credit card number, the date.
-On XX/XX/XXXX, I received a generic " Due to company policy, we will not be able to remove the block from your account at this time. If you need assistance with any of your current orders, please provide the following : 1. Transaction #, 2. Name of Item, 3. A photo of the item if you have received it, 4. The issue you're having. Clearly, this response was NOT appropriate for my situation and did not address my request.
-On XX/XX/XXXX, I sent another customer support message stating the same request, but again received the same response from a different XXXX responder stating they could not assist due to the block on my account.
-On XX/XX/XXXX, I logged back into XXXX and noticed that the profile information had been modified to a different name, there were items in the shopping cart that I did not put there, and under 'payment settings ' a shipping address in XXXX was listed! The account does not even appear in my name any longer!
-On XX/XX/XXXX, I called Capital One 's fraud department and spoke with XXXX . He said that there was nothing he could do. He said that upon reaching out to XXXX initially, they confirmed that I authorized the transaction on XXXX XXXX and my personal information matched up and because of that, there was nothing else he could do. I asked if I could share the emails I had from XXXX and he said no, as their investigation was complete. He repeated multiple times that I would have to contact XXXX or a third party to dispute further as Capital One is no longer pursuing anything. I argued that the phone line for XXXX is not accepting calls and the customer support messaging center was not providing 'real human ' responses, but he said there was nothing further he could do.
The {$890.00} is still showing on the account in XXXX XXXX, however, the account is no longer registered in my name and the shipping address belong to someone in XXXX. I have requested that XXXX take the 'XXXX XXXX ' and refund the credit card, but I have not been able to get in contact with anyone to understand and make the request. I also attempted to get customer support on my specific order and through the robotic chat was told that until I correct my payment issues, the order could not be reviewed. Upon clicking the 'payment issue ' button, I was brought to a page requesting an image of my bank statement showing the charge, which was another red flag.
|
03/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
My dispute is with my prior Capital One credit card. I provide my credit card number to XXXX XXXX for Ad support services. XXXX provided terrible service and I canceled my service with XXXX and informed XXXX of my cancel service and that they were no longer authorized to charge my credit card. XXXX continued to charge my credit card and I received an alert from Capital One and immediately informed Capital One that the charge was not authorized and that I was no longer during business with XXXX. I also informed Capital One that XXXX was informed they were no longer authorized to charge my credit card. Capital One begin a dispute and requested documentation from me. I provide detailed written documentation to Capital One informing them of my account closure and that XXXX was no longer authorized to charge my credit card. I also sent a certified letter to the XXXX VP of their Ad department informing her of my account closure and that XXXX was no longer authorized to make charges to my credit card. I asked Capital One if it was necessary for me to close my account and I was informed that Capital One would place a block on the account, preventing any additional charges from XXXX. Several weeks later I received a statement from Capital One with another charge from XXXX. I spoke to a Capital One XXXX after the second charge and I was told that XXXX was able to circumvent their block process but she cancel the existing card and issue a new card and remove the second charge. After Capital One reviewing my detailed documentation to XXXX and in which I specifically stated that I closed my account on XX/XX/21 and that XXXX was no longer authorized to make charges to my credit card. Capital One passed on the XXXX charges of {$950.00} to me. My contention is that Capital One apparently has a problem with charge backs to XXXX and possibly other large organizations and this was confirmed by the Capital One XXXX I spoke to. Since Capital One is unable to make charge backs to XXXX they choose to ignore my notifications of unauthorized charges as well as my detailed supporting documentation. In my case Capital One was informed Immediately of the unauthorized XXXX charge and took blocking action to prevent any additional charges and still passed on the unauthorized charges to me. The mere fact that Capital One new in advance about the XXXX charge being unauthorized choose to accept it and charge it to me is a fraudulent act. The handling of both charges were fraudulent processed by Capital One, based on the fact that Capital One was informed by me that both charges were not authorized and also through the written documentation supported with a certified letter to XXXX informing XXXX of the termination of my account and most importantly my informing XXXX in the written documentation they were not authorized to make any additional charges on my Capital One credit card. Also in the written documentation to XXXX I requested that all recent charges be credited back to my Capital One credit card. I do strongly think that Capital One knowing that these charges were not authorized choose to pass the charges to me and I think this is a fraudulent act. I would imagine if Capital One chose to make this decision regarding my XXXX unauthorized charges that this is a common practice against consumers and small business and they must be held accountable. This type of behavior is corrupt and in defies honest and professional business practices. I am requesting that the XXXX charges be removed and that my overpayment of {$150.00} plus the interest charge of {$4.00} be returned to me. I encourage the CFPB to investigate Capital One 's process for handling disputes and especially disputes surrounding large companies such as XXXX. It is without question that Capital One has a problem with disputes involving XXXX. I will be happy to provide all written documents I provided to Capital One. I also suggest that my experience with Capital One is available for other consumers and small business to view. I am sure I am not their only victim. These unethical and fraudulent kinds of business practices and behavior must be exposed the businesses held accountable. They are un XXXX!
Note : I have closed the Capital One Account and destroyed the cord and only have the last four numbers : XXXX 2 Dispute case numbers : XXXX {$500.00} XXXX {$450.00} Thank You for your assistance in this matter.
XXXX XXXX
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03/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX ) has been sending me numerous debt collection letters continuously every week via mail that implicitly say they are a law firm called XXXX XXXX XXXX ( XXXX XXXX ). The website has a listing of several lawyers, which of course appears they are suing you ( me in this case ).
1 ) It is against the LAW to lie and deceitfully misrepresent XXXX as a law firm who has lawyers on their website. 2 ) It is against the law to lie and deceitfully misrepresent XXXX on a website as a group of lawyers 3 ) XXXX has lied on numerous occasions over the past 2 years by sending me more than 60 ( sixty ) letters and 50+ emails that lie and deceitfully misrepresent XXXX as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I live. 4 ) XXXX is lying and deceitfully misrepresenting that there is a law suit against me, 5 ) it is against the law to lie and deceitfully misrepresent themselves as a government office by representing themselves as XXXX XXXX XXXX XXXX XXXX 6 ) It is against the law to lie and deceitfully misrepresent themselves as Capital One Bank and 7 ) it is against the law to lie and misrepresent that Capital One Bank is suing me 8 ) it is against the law to use the name Capital One Bank when that actual bank is not suing me 9 ) it is against the law to lie and misrepresent deceitfully using language that reads exactly : " Capital One Bank USA vs. XXXX XXXX XXXX in XXXX XXXX XXXX XXXX '' and provides a fake case #. 10 ) Multiply all ten of those offences by 60 letters and 50 emails.
So all toll they have lied and deceitfully misrepresented themselves over 600 times via US MAIL ( that's mail fraud ) and + 500 times via email ( which is wire fraud ). 600+500 = 1,100 ++ counts of mail and wire fraud. I want the CEO and all the executives of XXXX or if its an LLC I want all members ( XXXX XXXX XXXX XXXX XXXX XXXX ) to be held liable for each count of fraud. I want their names ( First name, middle name, and last name and their home addresses publicly posted on line that they are committing mail and wire fraud repeatedly and should be ALL individually sued and named in the lawsuit by the government of the USA.
How is it possible in the year 2022 that the Consumer Protection Agency ( an Official US Government Agency ) has missed identifying these lies and deceitful misrepresentation for years and I'm only 1 person. Multiply those practices by the number of people receiving the same mail and wire fraud. = 1,100 x 5 million people ( # of people they are harassing ) = one large number of counts of fraud and harassment. But yet, the Consumer Protection Agency knows nothing of it, because if they did, it wouldn't be occurring. So either CPA leadership is asleep at the switch or the Agency " suggestion box '' is overflowing with tips on what is going on and you don't give a XXXX even after all these years. Its 2022, there's a real XXXX going on, and you can't stop some XXXX firm from stopping these unlawful practices in such large volumes ... ... What am I missing here? Is it that you don't have the technology to stop them, don't have regular mail or email or phones in your offices to communicate with XXXX, or that you don't have your own XXXX XXXX to send threatening letters to them ...? Come on guys/gals its 2022, the US government is going to issue digital currency soon and you guys/gals are still in the 20th Century. Does CPA actually stand for something or is it just that - an acronym.
Please try to call the CEO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and all the others ) of XXXX and blast him personally deceitfully lying and misrepresenting HIMSELF for harassing ( yes, harassing in the definition of the word ) me over 1,100 times over the last 2 years. He/She knows exactly what's going on and does nothing to stop it .... Also, please tell him/her/it/insert correct pronoun that I said hello and thanks for lying and harassing me for 2 years repeatedly. That person must be a real winner knowing all those practices are illegal and does nothing. Please tell that wonderful person I said hello personally, and that he/she is being sued personally the the United States government for real.
Very Best Regards to all the workers at CPA.
Sincerely & Respectfully XXXX XXXX XXXX Please remove any personal information. thank you. Please feel free to edit this and remove any part that is defamatory or unfriendly towards CPA
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03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
Older American |
I am experiencing a puzzlingly intense frustration with Capital One Bank regarding a business credit card account.
I received notice from Capital One in XX/XX/XXXX that a photo copy of my drivers license and social security card was needed to meet federal criteria in order to continue providing me with a business credit card that I had with the bank for many years. I was unsure that this was a genuine request because Capital One did not provide a link or other secure document portal through which to provide that information. This was odd because I had opened a new personal credit card with Capital One and they did provide a secure portal. Also, in XXXX there was a breach of my information from Capital One making this request suspect. In XXXX, I confirmed via telephone call that the request was genuine. I sent the documents through the USPS. I received no response from Capital One.
In XXXX I called and was told that the documents had not been received. I sent them again immediately via registered mail. USPS confirmed the documents were received. When I called, the representative informed me the documents had not been received. Upon learning I had USPS proof that they had been received I was transferred to another representative. After several layers of representatives, rising to the level of supervisor, I was informed that indeed Capital One had received the documents, but they were not clear enough and needed to be sent again. I was given a fax number this time. I faxed to the number given. When following up, Capital One stated they did not receive the fax. They also said that the fax number I had been given was the wrong one and they had no idea who was in possession of my documents. With a new fax number in hand I sent the documents again. Upon follow up, I was told the documents were not clear enough. I faxed them again with high resolution color technology. Upon follow up I was told it was not known if they were received. I physically took the documents into the local branch of Capital One Bank but was told the local bank was separate from the credit department and they could not help me. Shortly thereafter, my business credit card was locked, and my auto pay accounts were being rejected. I again sent documents via USPS a second time and faxed them three more times. On XX/XX/XXXX, I phoned Capital one and the representative told me the case regarding this account had been closed but could not explain why. The account was locked. I scaled up to a supervisor again, who told me to send the documents yet again! When we try to get to a higher level of supervisor, we are told it was not possible and we are stuck where we are.
I was notified by a credit monitoring service that Capital One has closed my account and that this may negatively impact my credit. I found it odd that Capital One never informed me of this directly.
On XX/XX/XXXX, I called and was told by a representative that it was possible to reopen the account.
On XX/XX/XXXX, I received an email that I could upload the documents through a secure server. I did so and received confirmation in an email that the documents were received.
When I called to follow up on XX/XX/XXXX, I was told by an agent that the documents had not been received and that the account could not be reopened. This representative also told me, as did all the others, that there was no avenue to file a complaint. I asked for the address of the corporate headquarters and was told that this could not be disclosed. So, I read that address to him from the website.
I called again and managed to scale up again to supervisors. At last one told me that my documents had been received and she was able to give me dates. She also noted that the documents were legible. But there has been no written notification about any of this from the company and they refused to allow me to audio record the encounters.
I call weekly to Capital One and each time run into dead ends with kind-heated representatives who have no power to acknowledge that documents were received and no way to move us along to a higher authority.
Capital Ones incompetence impacts my credit by closing the account, cutting off the means of my paying vendors, and forcing me to open accounts at another bank.
Having no other opportunity to deal directly with Capital One bank on this matter, I am now seeking redress with the Consumer Finance Protection Bureau.
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01/28/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Last year in XXXX around XXXX and XXXX I lost my debit card and someone was making fraud accusations on my account that left me at XXXX dollars. I called Capital One to inform them that I did not do any of those transactions and I explained to them that the transactions were fraud. They agreed with me after doing their investigation and opened up me a brand new 360 account with a savings ( mind you I didn't have a savings account before but they opened up both accounts with a new account number to insure that I won't have to deal with the other account since it was going to be closed ). My mother died XX/XX/XXXX and I got a big lump sum of money back. I put the money into my capital one savings account and let it sit until XX/XX/XXXX. I'm now with XXXX XXXX XXXX XXXX because I have a credit card through them and in order to keep the credit card you need a savings account so I went to a capital one branch, got a check written out to me and closed my savings account but I only took out so much and left the remaining balance in the 360 checking account. On XX/XX/XXXX ( the very next day ) I called into capital one to dispute some transactions that only added up to {$20.00} dollars. While I was on the phone, one of the representatives asked me to hold because there were notes on my account ( I always call into capital one and their is never any notes on my account ). She had me on hold for about 10mins reviewing the notes, she gets back on the phone and tells me that my funds will be on hold because capital one doesn't want to do business with me anymore because of the issue that happened LAST summer. I was so confused because capital one had already informed me that the fraud account was closed and that I didn't owe them anything which is why they opened me up a brand new 360 checking account with a savings. If capital one didn't want to do business with me, they would have said that after they investigated the account instead of giving me a new XXXX and telling me that I'm ok. I deposited over XXXX in my savings and once I removed it thats when capital one threw this at me. I spoke with the head manager of the department and she basically laughed in my face and said I owe them that money but I don't because the account was supposed to have been closed months ago! I even called capital one in XX/XX/XXXX to make sure the account was closed before I put my money in the savings account and the representative said " yes you shouldn't see the account on your online banking because its closing '' I said ok thank you and he told me not to worry about the account. Everyone knows that when you put money into a savings account its helping the bank. Why is it so ironic that the next day, after taking my money out of my saving, that capital one is saying I actually owe them the money from the closed account and they will have my funds on hold for days? I even explained to the manager that I wasn't having problems with capital one UNTIL I removed my money from my savings and she tells me " well we are informing you now '' but I would have never been informed if I didn't call up to capital one, and I would have never been informed if I didn't take my money out of my savings account. This is very unfair I can't believe such a big bank would lie for months like that but never complained when I had over 20k with them. Makes you really think, because if that was the case they would have taken the XXXX out of my account when I had all of the money in the account. Capital one is just mad that I closed my savings account but that should be my decision right? I'm a XXXX year old XXXX XXXX and I haven't eaten anything today because capital one is holding my money when they aren't supposed to. I've already spoken with an attorney and I will be suing them for emotional distress and much more because the money in the account is from my mothers passing. I am the only child and I'm in Louisiana by myself with no help. Im from XXXX, I just go to school down here. Even though I don't have anyone to lend me any money until my money is released, I have an attorney and he is not playing! I couldn't go to class today because I was so emotional thinking about if my mother was here because she's the only person that ever helped me. I don't know my dad, I never did and I have major bills coming up like RENT! If you can help me get my money back faster I would appreciate it, thank you!
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12/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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|
Web |
Servicemember |
My harassment from Capital One has been going on since XX/XX/XXXX. If you wish to review the persecution placed upon me thus far, please refer to CFPB Complaint Number XXXX submitted on XX/XX/XXXX and Complaint Number XXXX submitted on XX/XX/XXXX.
This most recent claim is in regards to those problems still not addressed by Capital One in the prior complaints. Last I reported to CFPB was on XX/XX/XXXX with my feedback from the XX/XX/XXXX XXXX complaint where I stated that I was still waiting for a Senior Account Specialist to reach out to me since there are no direct names, numbers, or departments to specifically reach out to myself. When no specialist had reached out by XX/XX/XXXX I called Capitol Ones fraud number again and spoke to XXXX within the Fraud Protection Department. To be honest at this point I thought for the first time in 9 months someone was actually going to help me resolve this maltreatment ; unfortunately I wrong.
So, XXXX does get a gold star for being the first human at Capital One to tell me what all the fuss was to start with -- -For all of you reading this and going thru a similar XXXX -- -Essentially when I did a Balance Transfer from XXXX XXXX to Capital One to pay off the entirety of my XXXX Cash Advance from XX/XX/XXXX ; XXXX XXXX supposedly used a XXXX party payment system that Capital One couldnt verify and because of that Capital One thought I was committing fraud and all this got put in to motion.
Now you may be wondering why Capital One didnt call Fraud on my first cash advance and balance transfer ; and supposedly it was because {$9800.00} is under {$10000.00}, and when I took out the XXXX cash advance of {$10000.00} it set off Capital Ones Fraud Alarms that supposedly go off whenever someone uses {$10000.00}. What Im most curious about is why do I have the ability to take out a {$10000.00} cash advance if its only going to cause alarm when I go to take it out or pay it off? Now I dont think XXXX was lying when they stated these were the reasons for my troubles with Capital One, however I dont think its the full truth because if Capital One actually thought I was committing fraud dont you think they would have restricted the access to my account on XX/XX/XXXX when I took out the too large cash advance or after Capital One said they were having troubles verify the XXXX balance transfer on XX/XX/XXXX when I called to figure out why there was a hold ; Nope, Capital One didnt restrict access to my account until XX/XX/XXXX -- XXXX days after receiving my first CFPB complaint ... .bit of a coincidence Id say.
Regardless the reason, I had some answers and XXXX was also able to tell me the exact documents I needed to send Capital One to remove the temporary restrictions. That day, XX/XX/XXXX I submitted the documents requested to Capital One and XXXX even had me wait on the line to confirm my submission in hopes of moving this never-ending case forward. They told me my documents were submitted and everything looked as it should, now I just needed to wait for the three-way Senior Accounts Specialists initiated phone call that I would be receiving within 14 days between Capital One, XXXX XXXX XXXX and Myself to confirm my identity and account ownership. By XX/XX/XXXX -- -over a month later -- -I still hadnt received that call to verify everything from Capital One. So, I called the Fraud Protection Department again and spoke with XXXX and indirectly their supervisor. Both XXXX and their supervisor looked at my documents, said they were correct and they had everything that Capital One needed to resolve my case. They did something on their end and said like before I should receive a call within 14 days to verify everything -- -here we are over a month later... again ... and no phone calls and I still have a temporary restriction on my credit card.
So, at this point I stand by my original feels and previously declared statements of Im being specifically harassed and prosecuted by Capital One. More precisely, I feel based on my experiences and the time line of events It isnt Capital One that has a vendetta with me ; but some Senior Accounts Specialist within the fraud department that thought my case was going to be some super fraud finding career maker and when it turned out to be just a regular cash advance and balance transfer their ego and spiteful nature has apparently kept them from calling me to close the case.
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03/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
I'm writing to you to report fraudulent activities related to payments made by me from an account ( XXXX XXXX ) that I was authorized to use from XXXX XXXX via the agency named " XXXX ''. I now know that XXXX and her employment offer was all fraudlent.
Capital One Issue : There are three payments at the center of the fraud. I was given account info and used an XXXX XXXX account to make payments to my credit card for reimbursements of items purchased on behalf of the XXXX agency.
Three of those payments have come back as an " unauthorized charge '' after the payments had been posted to my credit card by CapitalOne and the payments were removed causing my credit card to go over its authorize limit.
See dates below : Received noticed on XX/XX/XXXX : 1. 1st payment date : XX/XX/XXXX - {$2800.00} paid via Returned Mobile ACH Payment returned due to Unauthorized Payment.
Received noticed on XX/XX/XXXX : 2. 2nd payment date : XX/XX/XXXX - {$2700.00} paid via Returned Mobile ACH Payment returned due to Payment Account Issue.
Received noticed on XX/XX/XXXX : 3. 3rd payment date : XX/XX/XXXX - {$2700.00} paid via Returned Mobile ACH Payment returned due to Payment Account Issue.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After reporting the situation to CapitalOne on XX/XX/XXXX, I was told to open an abuse case to be investigated by them ( abuse@capitalone.com ). I was asked to provide all of the information, including the emails from the fraud. I was also told that I would not be held responsible for the XXXX computer that got a way once their investigation was completed because I have some kind of coverage.
The service rep asked me to hold off on reporting this to the FBI until they had completed their investigation.
When I called CapitalOne on XX/XX/XXXX, after receiving a bill with the amount {$5500.00} ( including the amount for the computer ), I was informed by a rep by the name of XXXX that I was provided with incorrect information and that no investigation would be performed because I made the payment for the XXXX computer myself. I asked how was it possible that my credit limit is {$3000.00} and that they allowed this to happened.
At the beginning of this call, the rep XXXX tried to deny that I had even submitted a complaint ( I have evidence that the complaint was received ). When I asked to speak to some one above him or the abuse section, he told me that it was not possible to speak with them because they don't take calls.
I found this to be suspicious since I had requested that the account in question ( XXXX XXXX ) that I made payments from be investigated so I would not be held responsible for a crime by using an account that I was not authorize to use after being given the account number and routing number in an email from XXXX, where the fraud started.
The XXXX computer that I purchased and shipped out to the so-called XXXX customer in Florida, which was fraud and is lost to me since the charge is on my card. Now my card is over the allowable amount. I have been defrauded out of a computer and shipping cost totaling {$2700.00}.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please investigate CapitalOne regarding the payments that they posted and then removed and then did not investigate the issue as promised. I also suspect that there may have been some collaboration from employees at CapitalOne to pull off such an elaborate scheme.
It took 16 days for the first payment to be returned from the date of payment. If that returned payment had been done sooner, I would have known that something was wrong would not have ordered the computer and shipped to Florida.
I also informed CapitalOne, that the reason why I believed the fraudster is because I had received an email stating my credit card balance from CapitalOne, which was exactly correct. However, I never gave the fraudster my SSN, only my name and DOB. I questioned CapitalOne as to how they would obtain this info without my SSN. This is why I suspect employees may be involved with the Fraud.
I feel I was targeted somehow and I have reported the fraud and some evidence to the FBI so it does not happen to other people.
Thank you
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01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX, a merchant email me offer to sell me {$2800.00} worth of magic the gathering cards. After some negotiation, we agree on the deal. I sent the payment which is shown on my capital credit card on XX/XX/XXXX for the amount of {$2800.00}. It should be noted the email I use for my capital one bank is a different email I use with the email I use with buying magic cards from this seller.
On XX/XX/XXXX, I received a package from this merchant, there are cards inside that package, however, the cards are not genuine mtg cards and are counterfeits, they are worthless to me as I do not endorse the regulation of counterfeit cards and I never agreed to pay {$2800.00} for counterfeit cards. So I did not receive what I paid for, and the merchant has breached the contract for not sending me what I pay for. I then contacted capital one and ask them to issue a charge back telling them specifically I did not receive what I ordered. The chargeback was issued on my account on XX/XX/XXXX. The merchant also admits in his email communication with me on XX/XX/XXXX that the cards are counterfeits and he said he is sorry. He then asked if I can mail those cards that I paid him for the order in the amount of {$2800.00} back and he can issue me a refund.
On XX/XX/XXXX, I shipped those cards for the order {$2800.00} back to the merchant, the tracking number for the return is XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the merchant admits he got those cards back from me and he would issue me a refund, but he still did not at the time of this complain.
What I am complaining here with cfpb is about how capital one mishandles this transaction. After I informed capital one that the item I received when I paid {$2800.00} is not what was agreed on in the term of the sales, which is a breach of sale contract since I agree to pay for genuine mtg cards, not counterfeit cardboards. They issued a charge back on XX/XX/XXXX. Then on XX/XX/XXXX, they put the charge of {$2800.00} back on to my account sighting a reason being that confirmation no cancellation per policy which makes little sense, I talked to capital one and they said the reason is that the seller provided proof of transaction, but the transaction is just the money exchange hands, it does not show that the merchant of this transaction fulfill his duty of the sale and delivered genuine goods which he did not. Also, Capital one did not notify me when they put this charge back on my account first against my wishes, they put the charge back on without discussing with me and then later send me a letter about it, they then asked me to dispute this charge again when they put the charge back on my account on XX/XX/XXXX. I think capital one has already failed from the start given the fact I never agreed to pay {$2800.00} for counterfeit merchandise, I agreed to pay for genuine mtg cards, so I did not agree to this charge of {$2800.00} without the genuine goods being delivered. Capital one also failed and sided with a person who sold counterfeit goods who himself admitted that the goods are counterfeits, rather than take the side of their consumer who was a victim of a scam when they put the charge back on my account on XX/XX/XXXX. Then when I provided capital one with proof of returns including the return with tracking which usps on XX/XX/XXXX which I also provided proof I have responded them to their request for more documents, which the merchant has confirmed he has received the return of those cards, capital one still refuses to process the refund and keep asking me for more documents that makes no sense as of XXXX. They asked me for term of return and refund, since the sales was done over email, the term of return and refund was written email agreement between me and the merchant which I have already provided but then they said they that is not proof, the merchant has admitted the cards were counterfeits but capital one still put charges on my account, aiding in sales of counterfeit goods and violation of intellectual property rights, then even with proof of return capital one still refuse to process my dispute after their failure of putting a charge on my account for genuine good never received from the start. I believe capital one is trying to get transaction fee for their own profit while not following consumer financial protection bureau law on protecting their customer against false credit card charges.
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08/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Capital One Bank keeps sending a general letter, refuses to answer my concerns and provides proven documents of their policies and procedures regarding their dispute transactions. I believe if Capital one bank is going to be apart of a scam and steal consumers ' money for a scam without any justification, they should answer all my questions on how they can allow a Merchant XXXX XXXX who install new brakes on top of the warped rotor.
Capital One states they have a right to police disputed accounts. Capital one responds by different word of mouth. Do I have a right to policies and procedures? Please provide me those policies. I requested these policies however Capital One refused to provide.
Capital One states that the dispute department personnel is experienced did they have to go to training for mechanics for a car? Why there wasn't a third party with experience involved in the dispute. They should give me a proper analyzation why Your Mechanic installing a warped rotor would not destroy my brakes.
Your mechanic refuse to honor my warranty as I provided proof.
Capital One needs to explain to me what is the " error '' in terms of the inspection report. They should be able to explain that Your XXXX repaired my car by installing brake pads on top of a warped rotor.
Capital One Bank gave three different reasons why I can not get {$150.00} to return back to me. First, they said I refused diagnostic - I provided proof that I had contacted Your Mechanic for diagnostic and Your Mechanic refused. Secondly, Capital One bank states I can get the return of my funds if I get a mechanic inspection. I gave them another mechanic inspection which clarifies that the XXXX XXXX installing new brake pads on top of a warped rotor that causes issues with my car. Thirdly, Capital one bank or XXXX XXXX came out to see the damage to my car how can a fair and impartial determination could be conducted.
Capital One dispute policies are inconsistent. I want Capital One Bank to explain why this dispute filed in the same month with XXXX. I been a customer with Capital one bank and have all my checks electronically deposit in my account. I had filed other disputes and never experience such corruption with XXXX XXXX. I had filed a dispute with a company name XXXX Re : XXXX # XXXX for account ending in XXXX. I filed the dispute XX/XX/XXXX because XXXX shipped the shoes however it was shipped to the wrong address and then it was lost.
The USPS found the shoes I immediately called Capital one bank to inform them to stop the claim and return the funds back to the sender of {$27.00}. On XX/XX/XXXX, I received an email from Capital one bank, and they gave me the funds {$27.00} without an explanation event though I had the shoes. Therefore, I got the shoes for free, Capital One scammed XXXX.
The Capital One Bank policies and practices are inconsistent and hidden, Capital one bank dispute department refuse to disclose the dispute process, policies, and practices, how decisions are made, and the appeal process.
The supervisors in the dispute department have different policies. XXXX, who granted me time to obtain an inspection report from another mechanic. XXXX, the dispute supervisor wanted to punish for listening to XXXX. She complains about her coworker on the phone with me which is unprofessional. Therefore, Capital one bank applies different rules and they need to be investigated how they handle customers during the dispute process.
Capital one bank received a letter from XXXX President I provided that XXXX XXXX is going to return my funds XX/XX/XXXX after they receive it from Capital one bank XX/XX/XXXX before the dispute was closed. Capital One should answer this scam why they didn't consider this or they was apart of the scam because both Capital one and XXXX XXXX are both duly paid members of XXXX.
XXXX provide duly paid members high ratings as both Capital one bank and XXXX XXXX both have thousands of complaints by consumers. The complaints are unresolved through XXXX and hidden.
I believe as a consumer I deserve a better and efficient answer from Capital One Bank. I am on a fixed income and XXXX, if they are going to steal my funds they should provide policies and practices to me as a consumer as they refused constantly. Capital one dispute process is deceptive and Capital one bank needs to be held accountable to what actions they are taken.
|
11/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Back in XXXX ( 1 year ago ) of XXXX I went online and applied for a CapitalOne Credit Card ; I was approved, given a {$7500.00} credit limit and the new card sent to me. I had very good credit. I received the card in XXXX of XXXX and used it within about XXXX weeks to make a gas purchase. I got my first billing statement in XXXX of XXXX and at the same time received a phone call from CapitalOne to " verify my identity. '' I felt this was odd as they already had sent and approved my card for me. I mailed my payment on XX/XX/XXXX for the balance of the gasoline purchase. It was approx. {$60.00}. The payment was due on the XXXX of XXXX. I mailed it through the XXXX XXXX - Yes, in the height of the pandemic. A couple weeks later I got a call from CapitalOne requesting again that I " Verify my Identity. '' They asked for a copy of one of my utility bills, a copy of my social security card, front and back copy of my drivers license and a mortgage statement. I'm buying my home. They asked that I take pictures and Email or fax over to them. I don't have a fax and couldn't get them Emailed over the way they wanted. So, I took pictures of all, went to XXXX XXXX and paid to have them faxed over to them. I called them a few days later - they stated that " my payment arrived a day late and that they had assessed me a {$25.00} late fee. '' They also told me that they received the copies of my identity but that " they were not clear enough to read so that I would need to resend. '' I was frustrated with them doing this to me and the time, cost and energy it took to get this done. I drove XXXX miles to the nearest XXXX XXXX. I didn't resend right away but they sent me emails and called me to do this again. I called them back and spoke with the supervisor. I asked them to " waive the late fees of {$25.00} as I mailed the full payment to them and my balance was 0. '' By this time it got to XXXX of XXXX. I received another call and then I went back to XXXX XXXX again, paid again to fax and re-sent them over all that they asked for. I got another phone call from CapitalOne stating " that I will need to resend a third time as all the pictures were not clear enough. '' I asked them to waive the late fees. They said they could not do this but that maybe a supervisor could. By now, they put on another late fee which increased the amount I owed them to {$50.00} - strictly late fees/ no purchases. They then " Froze my Credit Card '' and I could not use it. I asked for a supervisor and they put me through to XXXX in the Fraud Department. I spoke with XXXX at length. She made this statement - " If you will just resend your identification documents I will waive the late fees. '' I explained to her that it had cost me money, time away from work and energy to do and that I would not send again. She stated " that the fax was not quite clear enough and if I would just do 1 more time, she will ensure that the late fees go away. '' I then asked her to remove all late fees and that the mail system, having sent the mail XXXX days earlier, should have been there on time and that I was not at fault for this happening. I also mentioned that Covid could play a role in extended mail delivery times.
I was getting know where with her ( XXXX ) and I asked her this question at the end of our call which had now lasted approx. XXXX minutes : " If you needed to verify my identity so bad, why then would you have issued me a credit card that I applied for online, given me a {$7500.00} credit limit, send me the card, let me use it to make a purchase, and then AFTER the fact ask me to verify my identity? '' This makes no sense to me??? All she could say to me was, and I quote, " I don't know- I can't answer that question. '' In XXXX, XXXX and XXXX CapitalOne added more late fees to a total of {$130.00} that they said I owed them. They also put it as a Deliquent Account on my credit reports with all XXXX Credit Repositories. Having this on my credit reports has effected me negatively tremendously with creditors. I disputed their findings on my credit reports and wrote to all XXXX agencies accordingly. I am a Senior Citizen and feel I have been taken advantage of quite a bit by CapitalOne. I'm asking that they remove these files/ accounts off my credit reports and no longer hold me hostage with the negative they have had on me.
Please help me with this. I appreciate any and all you can do.
|
09/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
On XX/XX/XXXX, I mailed Capital One Bank a letter requesting hardship relief regarding two credit card accounts.
In my letter, I explained that I understood my financial obligation, and if it wasn't for losing my job dude to COVID-19, I would have an excellent payment history, and that unfortunately, after being laid off from my job back in XX/XX/XXXX, and applying for unemployment benefits, due to the State of Illinois being overwhelmed and behind on unemployment benefit applications, it took nearly two ( 2 ) months for me to receive my first unemployment check, and that I have been struggling to make my payments and fell behind since. I stated that if not for the COVID-19 pandemic, I would not have late payments and I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts, but at this time, my financial situation can not sustain combined minimum payments of nearly {$700.00} nor continue to incur late payment fees on top of the 25.24 % and 26.99 % APR 's that I am being charged between both credit card accounts on top of the derogatory marks that they have reported to the credit bureaus which are not only impacting me now but will likely impact me for the next 7-10 years.
I also explained that I have been applying for new jobs recently, some of which require a credit screening due to the nature of the job, and having late payments reflected on my credit is hurting my ability to qualify. I furthermore referenced Section 4021 of the CARES Act, which President Trump signed into law on XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis if a consumer has been affected by COVID-19 during the covered period which is in place for 120-days after the coronavirus state of emergency is officially over.
I requested an accommodation and any other hardship program they can offer during these extraordinary circumstances that would not only help me get caught up and current but also would remove the derogatory information from my credit reports.
Lastly, I enclosed a copy of my employment termination letter along with a copy of my credit report as supporting documentation.
On XX/XX/XXXX, I received a voicemail from a senior account manager at Capital One requesting a callback to discuss my request. I subsequently returned the call ; at which time I was told that I did not qualify and that there was nothing they could do for me. I asked what the reason for not qualifying was and was told that I just didn't qualify.
Today, XX/XX/XXXX, I again called Capital One hoping that they would change their position and would work with me. I spoke to another senior account manager, and again, was told that while she was very sorry for my hardship, unfortunately, there is nothing she can do to help me.
This is extremely contrary to what Capital One advertises on their website ; specifically : At Capital One, the health and well-being of our customers, associates, and communities is our top priority. We understand the concern and uncertainty you may be experiencing surrounding the coronavirus ( COVID-19 ) situation and are committed to being as responsive as possible to the needs of our customers and associates as the situation evolves.
We also understand that there may be instances where customers find themselves facing financial difficulties. We encourage customers who may be impacted or need assistance to reach out.
Should you find yourself in need of assistance, please contact us. We are also working to help our business customers impacted by COVID-19.
As always, the health, safety, and well-being of our customers, associates, and our communities is of paramount concern. We continue to monitor this quickly evolving situation and were here to assist our customers as needed. Please continue to check this site for relevant and timely information as the situation evolves.
For additional information about COVID-19 visit the Centers for Disease Control at cdc.gov.
https : XXXX Sadly, despite the ongoing coronavirus pandemic, Capital One refuses to be responsive to the needs of its customers as the situation continues to evolve. As a result, my credit is being destroyed, I cant afford what they are demanding to pay, and in due course, these accounts will be charged-off resulting in a collection agency purchasing the debt and suing me for the money.
|
06/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
This complaint is part of previous complaints that have been made to CFPB regarding this same matter. Neiman Marcus/CapitalOne keeps charging me for an item that I have proven time and time again I paid. Previoius case numbers : Creditor : Neiman Marcus/Capital One N.A . Order Number XXXX Complaint Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, I purchased the XXXX XXXX back in XXXX. It was damaged and replaced twice. This last time, it is being replaced because creases, lumps are all over the piece. Because I like the piece, I wanted to keep it. Should I have any more problems with this item, I am going to return the item for a full refund. XXXX XXXX, Offline Service Recovery Specialist/Neiman Marcus Direct , Neiman Marcus Group XXXX XXXX, offered as a final solution should anything else go wrong with the item.
Back on XX/XX/XXXX, I spoke with supervisor XXXX, # XXXX, at XXXX p.m. I contacted Neiman Marcus/Capital One because I received notice via email that my statemen was ready. When I viewed the statement, it had a balance of {$2300.00} ; however, my previous statement ( XX/XX/XXXX ) showed a credit balance of {$210.00}, and the amount owed on the statement was {$2100.00}. XXXX XXXX stated that because the item was shipped and they charged the item back to me and once the replacement item is picked up, the account will balance itself out. She stated that should the item not ship prior to my next billing cycle, to make the minimum payment to keep the account in good standing and my money would be refunded. I found this to be daunting as Neiman Marcus can not get my account correct, and the item is paid for back in XX/XX/XXXX.
On XX/XX/XXXX, I received another statement. This time the statement had a balance due of {$4700.00} with a minimum due payment of {$49.00}, due by XX/XX/XXXX. I am tired of calling trying to get Neiman Marcus/Capital One to get my account straighten out. I am tired of each time I speak to someone, I must re-explain everything, and nothing gets resolved. Too many hands on one account and no one is speaking with anyone. Does not look like they are reading the notes to understand my concerns. In viewing my online statement, it references the following information : DATE Description Category Card Amount XXXX XXXX XXXX XXXX Merchandise XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX Merchandise XXXX {$2300.00} This card ( XXXX ) was lost over two years ago and replaced with card number ending in XXXX. Why do they continue to charge a card that no longer exists? Why are they referencing this credit card? What Neiman Marcus/Capital One is doing is affecting my credit and score. The more I show in purchases, the more I lose in points, and it is showing I am over my credit limit.
To show you just how bad it is. Review the current statement I have attached. You will be able to see how bad their accounting is. Why am I being charged two different prices for the same item? Why am I being charged twice for the same item. I only purchased one item and is in the process of exchanging this item? Also, XX/XX/XXXX, I received and was issued an Adjustment Confirmation, of {$430.00} applied to card number ending in XXXX. Again, why do they continue to reference this credit card. Neiman Marcus/Capital One has issued several credits to me which I have addressed in previous complaints. Only one has showed up on my card ( XXXX ).
I do not owe Neiman Marcus anything. They issued me a check a month ago that referenced credits. I assume this check was for all the credits they stated was being applied to my account.
I have put in a complaint to the FTC as well. Why is it that the consumer is affected by the ill-mannered way in which Neiman Marcus/Capital One handle their exchanges? All this order has ever been is an EXCHANGE, NOT a PURCHASE. Again, this item was paid off again back on XX/XX/XXXX. Why do XXXX keep treating this situation as a purchase????
What is it that Neiman Marcus/Capital One is going to do to rectify this issue and concern I have in protecting the integrity of my credit? Neiman Marcus/Capital One continue to send letters that reference none of my concerns. They are responding just so they can say they responded to me. If your response is not addressing a solution, then what are you covering up? Your lack of duty to make sure that your company have efficient tools to track purchases and exchanges.
cc : XXXX XXXX XXXX
|
08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
XXXX, XXXX and XXXX is in violation of XXXX XXXX Code XXXX - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave XXXX, XXXX and XXXX consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. XXXX, XXXX and XXXX Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States XXXX or the District of Columbia XXXX XXXX exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( XXXX ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( XXXX ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; XXXX, XXXX and XXXX has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. XXXX, XXXX and XXXXhas engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. XXXX, XXXX and XXXX is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt ; or XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
|
08/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On XX/XX/XXXX I realized someone was making fraudulent charges with my credit card information. All charges were local XXXX no more than an hour and half from me ) and I still had the card in my possession. I immediately called Capital One and made them aware of the issue. There were 4 fraudulent charges made on my card. 1 of them was a Cash Advance at XXXX for {$2400.00}. This also incurred a {$72.00} processing fee. The other 3 were at XXXX 's XXXX for a total of {$3800.00}. The representative told me he would mark all charges as fraud and send me a new card.
On XX/XX/XXXX I noticed that the Cash Advance was marked fraudulent but the others were not. I called in again that morning and had a representative tell me she would mark the other charges as fraudulent. I asked her about the {$72.00} charge and she said she would have to transfer me to another department. Once I was transferred, I explained the whole situation again and the representative told me they would not be refunding me for any of the charges because they were not fraudulent. Again, I explained to her that it was not me I was at work the day the Cash Advance happened ( a 50 minute drive from my office ) and was at home with my husband and friends the day the other charges occurred. She all but called me a liar and said it had to have been me because it was chip reader transaction and it was impossible that it was anyone else because the card was in my possession. She told me it would be on me to prove my innocence and suggested I call XXXX to get the proof - otherwise they couldn't help me and I would be responsible for the charges. I have never had an experience like this with Capital One. I have {$0.00} fraud liability as I was told numerous times, yet now I'm being accused of making these fraudulent charges, called a liar, and told I have to prove my innocence. That day I filed a police report and called around to the locations where fraud was committed. XXXX was shocked to hear that I was told I have to handle the investigation and encouraged me to call back because that was absurd.
Over the next couple of days Capital One made an absolute mess of my card charging me and then crediting me back over and over again and charging me twice for the {$72.00} processing fee. I called Capital One back on XX/XX/XXXX and spoke to a new representative. I asked her about all the charging and crediting back to my card and went through my story again. She told me she showed that all transactions were marked fraudulent and still under investigation. She explained the {$72.00} fee could not be credited back until they concluded their investigation and apologized for the other representative 's behavior.
On XX/XX/XXXX I received a letter from Capital One stating they concluded their investigation and determined the Cash Advance charge was not fraudulent and that I would be responsible for paying it on my next bill.
I again waited a few days and decided to call Capital One on XX/XX/XXXX. I ran through the events again with the new representative and she then alerted me to the fact that a replacement card was called in on XX/XX/XXXX and sent to my house. I never called in a replacement card and was never notified ( by email or phone ) that a new card was headed my way. Sure enough I pulled up video camera footage and have proof that someone stole the mail from my house which contained the Capital One replacement card. The representative I spoke to on XX/XX/XXXX made note of this and said she would remark the charges as fraud.
I am exhausted and tired of doing Capital One 's job for them. It has been 11 days of back and forth with no real answers as to what Capital One will do got remedy this situation. I am very frustrated that it took talking to 5 employees before being notified a replacement card was sent out. I am even more frustrated that Capital One does not have a better system in place to notify/confirm people 's identities and alert them of things like this. Calling the customer on the phone number they have on file to notify them when a replacement card is being sent out, sending an email to the email on file to notify someone, or even putting an alert on the account ( mobile and online ) that a replacement card has been sent out could prevent things like this happening. It should not be on the customer to investigate the fraudulent charges for Capital One.
|
03/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
I called at XXXX AM CST on XX/XX/2018, to inquire about a credit line increase request. I spoke to an agent named XXXX. He was very kind and respectful. He explained that I was not approved for the credit line increase and directed me to read the letter online. The reasoning was unclear, and I requested to speak to a supervisor. The supervisor he transferred me to was " XXXX - ID # XXXX located in Virginia. '' XXXX was very rude. My issue is that the bank did not approve my request because I have allegedly not been making more than the minimum payment each month. This fact is not true. Not only do I make the minimum payment, but I make double or triple the minimum payment, and have been doing so for longer than three months. XXXX represented that he " is not a credit expert '' and could not advise me why the bank could not explain to me why the bank made this decision. That is unacceptable. As a " senior supervisor '' he should be competent enough to explain or at the very minimum, acknowledge that this information was confusing. Therefore, since he said he could not explain it to me me, I requested to speak to someone else.
Specifically, I requested to speak to a supervisor. He said there is no one above him. When I asked him if he had a supervisor, he said said, " yes, but his supervisor does not accept calls. '' When I asked him for his supervisor 's email or mailing address, he declined to provide it to me. When I asked him to escalate this call to the Capital One Executive Office, at first he said you all do not have one, before saying that he could not transfer me. This " senior supervisor '' is not only incompetent, but he does not carry the values of empathy nor does he exhibit excellent customer service. Not only did he fail to provide notable solutions, but his unacceptable solution to me was to " hang up and call someone else. '' Moreover, after he threatened to disconnect the line several times, he said he was going to place me on hold for 4-5 minutes to " add notes '' to my account. There was no purpose to add notes to my account when he did absolutely nothing to assist me in ANY of my inquiries. More importantly, the " notation '' to my account was unnecessary because he represented to me many times that he was unable to help me. At first, I asked him what notes did he plan to place on my account. He said he was not going to tell me and then abruptly placed me on hold. After he returned from the long hold, I asked him what the notes said. He said he noted the nature of our call. When I asked him to read it to me ( just like he asked me to read the credit increase decline letter ), he said no. This is abhorrently unacceptable.
Finally, after placing me on hold for nearly TEN minutes, I requested the telephone number to the legal department, as I am an attorney and documented the numerous violations of federal law and state Deceptive Trade Practices Act, but your bank 's agent also acted very unconscionably. He declined to provide me with this information. I asked him if he really planned on hanging up on me considering that we are on the Bank 's recorded line. He knowingly twisted my words and accused me of recording the call, which I was not. I repeated that the Bank 's calls are recorded for quality purposes ( as I am prompted and notified when I call the bank ). It appears that this supervisor was not aware of your own policy.
Thereafter, he hung up on me at XXXX XXXX XXXX. Not only should XXXX be demoted, he should be fired. He could not handle a simple request for explanation, which resulted in a request for escalation, and then found it permissible to disconnect the call on a customer. If you, as a financial institution, have policies related to credit card line increase declines, then he could have easily pointed me to that information in the account rules and regulations or some other file that I'm sure is incorporated by reference. Instead, he relied on being rude and unhelpful. If this behavior is acceptable, then please let me know so that I can report this behavior to the media. Your valued customers should not be subjected to this type of behavior when I request to speak with you or a member from your executive office at your earliest convenience. I also request the notes to be deleted from my record as it was placed improperly and unfairly due to retaliation by an incompetent " supervisor. ''
|
05/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
On XX/XX/XXXX I contacted my creditor ( Cabelas Club Card/Capitol One Bank ) due to my account being closed without notice. I talked to a representative & supervisor. Both said my account was closed due to a fraud attempt witch resulted in a temporary hold on XX/XX/XXXX. They claimed to have made numerous attempts to get in contact with me ( none of which I received ) & since there was no response back they closed the account. I was told they would look into it & get back to me. On XX/XX/XXXX I hadn't received any response to my situation so I called again. This time I talked to different a representative & supervisor, both were much more helpful than the first. Upon being transferred to the supervisor they looked into my account & noticed nothing had been looked at yet. At this time the supervisor started going through my account information & informed me it looked like there was a mistake made on there part when my account was flagged for a suspicious phone call. Apparently on XX/XX/XXXX, 2 days after a previous hold was on my account for fraudulent charges ( I spoke to them about this & they issued me a new card ) someone called in & tried to change my email & account information. This flagged my account again! I was told by the supervisor that company protocol is to make 3 out going calls from their fraud department to the consumer & if there is no response they will send a letter to call them. On the date scheduled to make the outgoing phone calls it showed the employee never called me. This step didn't happen! They then claim to have sent 2 letters at later dates, one to call them & one informing me the account had been closed. The only letter I received from them was informing me my account had been closed. The letter was written & dated after my account had already been closed by them according to my credit report. Since I started making phone calls inquiring about this account I have spoke to 5 different people handling this, 7 calls totaling 1.5 hours. It has been 14 days & I finally received a response ... The supervisor who was very helpful in the beginning & told me they had made a mistake now claims the person above them reviewed everything & said they did nothing wrong there is nothing they will do for me. At this point I reminded them they admitted on recording to me that they didn't follow through with procedures to get in contact with me & the supervisor then started back peddling, claiming they wanted to retract the statement made on our previous phone call. They said it showed there were outgoing phone calls scheduled but at this point would not tell me if they were made or not. All they would tell me was they had proof they sent 2 letters to me ( one to call them & one informing me of the account closure ) so they did what they were supposed to & there was nothing else they would do for me in regards to my closed account. Again I never received the first letter! In my opinion this is very poor business! I have been with this company for 4 years & 4 months, never been late on a payment nor have I ever been close to my credit limit. I have excellent credit & now this has dropped my available credit in over half, I've lost the almost 4.5 years of spotless payment history with them & it dropped my credit score 8 points. Now if I apply for a new account to replace this one I will not only take another hit to my credit score for a hard inquiry, but my credit time history will take a significant hit as well because it averages the length of time from my oldest to newest account. When I mentioned this to the supervisor & said they had messed up my credit & life they said they felt they hadn't impacted my life what so ever & to go ahead & file a complaint if I felt the need to do so. Ive been working a very long time to have & hold my credit in the excellent ratings to now have it dropped over something I had no knowledge of. I am buying a house later this year & this negative impact to my credit this close to a purchase could potentially cost me thousands over a 30 year mortgage due to an increased loan rate from this. I would greatly appreciate any help with getting this removed from my credit & the account reopened so I have my time, history & available credit back. I have done nothing to deserve this situation & would just like things to be back to where they were before their admitted mistake. Thank You
|
05/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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On XXXX - 2017, XXXX XXXX XXXX served me a " summons '' that they were suing me on behalf of Capital One Bank ( USA ) N.A.. The front page of the " summons '' and " complaint '' was actually where ( once a professional showed me where to look ) they told me I could dispute the debt. Th e " Summons '' and " Complaint '' tur n out to be fake. There is no court number and no court date. The fact they tried to scare me with that " summons '' overshadowed the rights notice that they included and left me thinking I had no rights. Any reasonable person would interpret that they are not still able to dispute the debt. Intentionally doing that is a clear and actionable violation of Section 1692g of the FDCPA. This is the first communication that I have ever received from XXXX XXXX XXXX on this debt. Last month on XXXX XXXX , 2017 I had se nt Capital One ( the original creditor ) a re quest for verification, validation and documentation of the account they claimed that I owed them. I did not hear back, but instead they - exactly 30 days later - had XXXX XXXX XXXX sue me with these un-registered papers. The basis for the claim XXXX XXXX XXXX as well as Capital One is lodging against me in this action is flat out wrong based on REPEATED ignored requests of validation made by me ( through original signature on contract originating a contractual relationship with Capital One as well a through a full and complete accounting of every transaction, balance and payment applied from XXXX to date as well as a comprehensive breakdown of what portion of the alleged debt is principal, interest, fees and when the fees were charged and what the fees consist of ). There is no basis whatsoever for the claim th at Capital One h ad delivered goods, services, cash advances or balance transfers to me as they claim in your first. FURTHERMORE, there is no basis whatsoever for the claim of Capital One that I have an account with Capital One with an account number XXXX - as credit account numbers are numerical. This intential misrepresentation of the claimed account is actionable as a direct violation of my consumer rights. I deny the second claim that I am in default for failing to make the required payments on the charge account as - again - yo ur Capital One had re peatedly failed to provide validation and documentation of such upon repeated request by me. Additionally, I have some concerns about the fact that the " summons '' sent to me was clearly robo-signed. This would lead someone reasonable to believe that this was not written by XXXX XXXX XXXX as the robo-sign says, but instead, from my vantage point, someone practicing law without a license. I have some concerns about the way in which XXXX XXXX XXXX handled Dunning me and that the notice concerning my rights is clearly OVERSHADOWED by the 'summons '' that they have served upon me. Any reasonable person would interpret that they are not still able to dispute the debt. That is a clear and actionable violation of Section 1692g of the FDCPA as well as a potential ethics violation as well. Additionally, the " summons '' FAILED to disclose Plantiff 's costs and disbursements, per diem or any other readily available structured fees. I find this ethically questionable as those fees could be anything and if hidden, cause a reasonable person to not seek representation out of ignorance of the potential additional liability. I want XXXX XXXX XXXX to face consequences for how they handled this whole situation and that they drop the situation as the claim has not any merit and should not be pursued. As I was interested in finding an amicable solution to this issue, was open to reasonable settlement proposals from XXXX XXXX XXXX that will equitably settle this situation for both Capita l One and I in which Capital One w ill no longer assert claim against me and in which I will not pursue claim against BOTH XXXX XXXX XXXX AN D Capital One Ba nk. ( We did call XXXX XXXX XXXX in an attempt to find a reasonable solution and they said they can only do it at 90 % of the balance DESPITE the things that I can sue them for and am looking into my options on because of their legal infractions and violating of collection law ). Please help me in getting justice in this situation. XXXX
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03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XXXX, my credit card was flagged for fraud while I was making a purchase for an online grocery order at XXXX. I was in possession of my card and absolutely no fraud had occurred, it was just an automatic flagging by their system. I contacted Capital One and they told me the only way that my account would be able to be opened back up was if I submitted an image of my social security card, my birth certificate, and a proof of residency ( which could be an electric bill or mortgage payment, etc. ). I should also note that I didn't even need a single one of these documents to open my card and get approved.
At first I was apprehensive about sending all of those documents online because there have been so many data breaches among a variety of companies and I didn't want those very important and private documents floating around. After a a few days I decided to make the decision to send the documents in because I had racked up around {$3000.00} worth of rewards points that I have been saving for 7 years to take my family on a real vacation and I didn't want to risk losing those points and never getting that dream vacation.
I started looking for my social security card and had trouble finding it, so I kept in touch with Capital One about the entire process. They assured me, on multiple occasions, that as long as I kept in touch with them and showed that I was working to try and keep the account open and fix the situation, that the 45 day time frame could be extended and that they were noting my contacts with them.
I got a letter on XX/XX/XXXX saying that my account had been closed, which was a shock since I had been told that wouldn't happen. I tore my house up looking for the card, my parents tore their house up, and we both checked our safe deposit boxes. I was getting ready to start the process of requesting an entirely new card from the IRS and called Capital One to tell them that. The agent I spoke with said that even though the time frame had expired, she would send me a new link and I could upload the documents within a 2 week time frame. She also explained that if I needed more time, to call back and they could send a new link.
I was finally able to meet with my ex-husband and check his safe deposit box and I ended up finding my card in there. I called Capital One to request a new link since I finally had all of the documentation they needed, and they told me there was no way to re-open my account and that I wouldn't be able to get any of my rewards points. They were gone forever.
I have kept calling back ever since and they keep telling me now that there is nothing they can do, and no one can reverse the decision. I even asked if they could open up a new account and transfer my rewards points to the new one. That was also met with a no from the company.
It took me the better part of an entire DECADE ( 7 years ) to save those points up with the hopes of taking my family on a once-in-a-lifetime vacation ( once in a lifetime for us, I know others are able to do this far more often ). I never skipped or missed a payment, my account was always in perfect standing, and even once my account had been flagged for fraud and I couldn't use my card, I still paid my balance down to show them I wanted to stay in good standing. I followed all of the directions they asked me to follow, the only thing I did wrong was not have my social security card on hand in the time frame they asked for ( which by the way would have been nearly impossible if I truly had lost it and had to request a replacement from the IRS due to how long it now takes since Covid has slowed things down. We waited longer than 45 days for my son 's social security card after he was born ).
I'm looking for a way to fix this situation and be able to get back/use those {$3000.00} worth of points that I worked hard to save up. I would love to continue to be a customer of Capital One and move forward, but not without those points. And I think others should be aware that this could happen. It would be a drop in the bucket for the company ( I already earned those points anyway, they wouldn't even lose money ), but it would be almost life changing for me and my family. I'm not looking for anything other than what was taken. It appears that they manufactured a fraud flag to challenge my account and avoid the pay out of the {$3000.00} of travel points.
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08/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I was going through Identity Theft. My primary card was used for thousands and thousands of dollars when I literally couldnt be there. I tried working with the fraud department but they were ridiculous and nothing but headaches. My credit was screwed and I was on the hook, trying to make payments that were not mine. The fraud department literally did nothing despite all the evidence I showed them.
I had to get someone to listen so I took Capital one to small claims court. Before going to court we reached a settlement, which was in XX/XX/2019. They were going to relieve me of all debt, including a second fraudulent card that was taken out in my name. In addition, they were going to fix my credit report within 90 days of the agreement being signed. I was to dismiss the cases, which I did, and provide the COURT with the settlement agreement just in case something crazy and unfair like this was to happen.
First issue was Capital One did not honor their agreement, a legal binding agreement ( not the main issue ). It took them over a year to finally fix my credit report. We had to work together multiple times because, although the debt was relived per the settlement agreement from their legal team, it never got to the fraud department so I kept on getting harassed. Its hard to have that huge liability out there, especially when things are supposed to be done.
Finally, after a year, the credit report was fixed. On my credit report, there are not late hits and the there is no balance from Capital One.
Then over two years later ( ongoing currently ), I got a call from the fraud department saying I owed the entire balance. In addition, I am being harassed by a collection agency which Capital One employed non-stop.
The fraud department was non-responsive. I finally after weeks got ahold of my contact and explained the situation. I had to get her manager on the phone, then someone in another department because they couldnt understand anything. ALL they had to do was reach out to their legal team, understand the agreement and finally leave me alone like they should have been the entire time. I sent them the settlement agreement as well as the collection agency. Over three weeks later I have heard nothing.
My contact at Capital one who worked on this agreement with me and obviously knows what was agreed to changed departments. So while her name and email is represented in the settlement agreement, I was getting no response from her as I was pleading for help. Just because you change departments does not mean you duck out on prior agreements and responsibilities. I begged her and she said she sent my emails and concerns to the appropriate team.
After two weeks, no one has contacted me from the legal department and no one even told me who was going to be looking into resolving the issue.
So now I am sitting here with these huge liabilities being harassed on something I dont owe that should have been closed over two years ago. This issue should take all of two minutes to resolve.
1. Talk to the employee ( who for me is fortunately still there or I would really be screwed as no one would have the details and know the issues ) whose name is in the agreement, who works for your company, whose email is in the agreement. Gain an understanding of what was done, what was signed, and what was filed. Or just read the legal agreement, which I have provided just in case to their team, its pretty straightforward and anyone on the legal team should understand within one read of this 4 page document 2. Since it is our legal agreement/document, contact me and tell me it has been resolved. Contact the collection agency and tell them to leave me alone Its really that simple and I dont understand how they can continue to drop the ball from department to department ( legal to fraud department here ) and not resolve it in a timely manner ( or, as of now, it is not resolved as of now ).
Having to relive the identity theft, everything it took to get this settlement done, is not something I should have to be doing. It was settled two years ago!! Somebody please help.
At this point I have informed them that I will file again in county court just to get their attention and all the evidence is filed right there at the court.
Note : I obviously can not attach the legal settlement here, but feel free to contact me and I would be happy to provide it.
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06/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I tried to schedule a payment through my Capital One banking phone app for {$1600.00} which was the full balance owed as of XX/XX/2020 on my Capital One Quicksilver credit card ; I received an error message indicating the payment didnt go through, but received an email that it did. I tried to schedule the payment again through my phone app, but received an alert stating a payment for that amount has already been scheduled. I went back to my credit card details in the phone app, and it didnt show a pending payment, so I called customer service and the rep confirmed there is a payment scheduled. I further inquired whether this is going to be an issue and advised my credit card account through the phone app doesnt show a pending payment ; rep assured me the payment is schedule and provided confirmation code : XXXX.
I tried to use my Capital One Quicksilver credit card today, XX/XX/2020 and my card was declined. I called customer service and asked to speak with a supervisor, but the representative instead transferred me to a fraud specialist. The fraud specialist transferred me to her supervisor who only identified herself as XXXX. I expressed my frustration and advised I didnt understand why this was taking so long to clear as the account I used to draft the payment for this credit card is with the same financial institution as this credit card, and that I like to use this credit card account because I receive cash back. XXXX stated she could call the banking department to verify the funds are available ; a call was conferenced with the banking department and the representative stated the payment hadnt drafted from my account, but confirmed I had more than enough funds for the payment to clear. XXXX still refused to release the line of credit. I asked to speak with her superior, XXXX stated I had reached the highest level of escalation. I stated thats ridiculous that I should be able to speak with someone higher than her if I request it, and asked if she could email a superior to call me back. XXXX refused stated her superior is only there for administrative purposes, and they do not take call escalations. I asked how Im supposed to file a complaint, and XXXX stated she will file a complaint on herself. I stated thats ridiculous because I have no way of knowing if shes going to put in the right information regarding my complaint. XXXX stated the only other way I could file a complaint would be to go to Capital Ones website. I asked for her full first name, XXXX refused to provide me with her full first name and insisted she only goes by XXXX. I asked how else Im supposed to identify her, she provided me with her employee ID # XXXX. I went to Capital Ones website, and there was no information in regards to filing a complaint. I called customer service again, spoke with a representative named XXXX and advised I was calling to file a complaint ; he asked to place me on hold while he researched some information, then blind transferred me to a supervisor named XXXX. XXXX took my complaint and advised XXXX shouldve transferred me to customer relations as that it where complaints and escalations are supposed to be sent, and that she is required to provide her full first name if a customer requests it.
After all of this, even though the representative in banking confirmed I had more than enough funds for the credit card payment to draft from an account thats with THE SAME financial institution, they still refused to release the line of credit to me and stated I would have to wait 7 calendar days from when the payment was processed. Now I am being denied cash back rewards on the purchase I made today, as well as any further purchases Im going to make during this 7-day period. Im starting to believe that this is a ploy so that Capital One can limit the amount of cash back rewards Im receiving. Just as a reference, I have a Capital One Platinum credit card account that is NOT a rewards credit card, and I processed a full balance payment of {$230.00} to draft from my XXXX XXXX XXXX checking account ; no only has that payment already posted to that credit card, the credit limit is available for me to use today. The only difference is the one taking longer for the credit line to be released is a rewards card, and the one with the credit limit immediately available is not. Unfair practices and ridiculous to say the least.
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05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This serves as notice to XXXX XXXX, and CRA of their engagement into unfair and deceptive practices with the consumer credit reporting agencies paid membership for identity reporting, coverage and digital dispute process.
Specifically the benefits found to be deceptive fall under the the membership dispute processes ID restoration component, e.g. ( assistance with credit disputes, mediation calls, negotiating with parties to resolve identity theft ).
In my experience, This feature with assisting to restore victims of ID theft has gone no further than the CRA verifying from credit furnishers if the information is correct.
The CRC 's may be operating unfair and deceptive practices with regards to the XXXX operational process, of properly investigating, recording ( deleting or blocking ) and furnishing completed or inconclusive direct disputed account data Which require : " CRC must conduct a reasonable reinvestigation of disputed information to determine if the disputed information is inaccurate whenever the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the CRC directly, or indirectly through a reseller, of such dispute.
& Furnishers, After determining that information furnished to CRCs is not complete or accurate, furnishers must also stop furnishing to CRCs information that remains not complete or accurate.16 Because of this I am asking the commission to investigate and remediate the engagement into unfair and deceptive practices with regards to the paid subscription services/features offered by each major Credit Reporting Agency and its warrantor for material and even initial proffered claims resulting from ID theft/CC Fraud.
Each CRC offers an Identity Theft Coverage Component with features and benefits enrolled to, outlined via the Master Policy & underwritten by insurance company subsidiaries or affiliates of XXXX XXXX XXXX XXXX XXXX ( XXXX ).
I am enrolled in the programs below since the date of discovery of reported fraud XX/XX/21 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - my XXXX Advanced The XXXX 's have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore each have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
But electronically remit form letters to delay or avert completing the obligation to provide direct dispute consumers : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information Each Furnisher confirmed receipt on the original FTC report with a documented response found with FTC REPORT : XXXX and the complaint contained the proper vitrification documents as requested : One copy of a government issued identification card, such as a drivers license, state ID card, etc., and One copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years And finally by alleging : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. Therefore, we are declining your request to block one or more of the items of information.
These concerted and unfair practices continue to materially and negatively affect my credit profile by updating with inaccurate & new late payments. This is detrimental to my credit history as the act of re-aging or inserting new unverifiable payment data to credit profiles of charged off debt ultimately erodes trust that the actual dispute process enables a fair, safe and transparent method to correct errors on our reports.
This is unfair, deceptive and illegal and must be remediated. I look forward to findings.
Respectfully, XXXX XXXX XXXX
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05/20/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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XXXX remains operational and focused on serving our business community and our consumers throughout this crisis. Please check out resources available to you at XXXX. Some of the sources of information XXXX relies on are temporarily unavailable. Also, many businesses are closed, suspended, or not operating as usual, and are unable to respond to complaints and other requests. XXXX information and Business Profiles reflect the most current information available to us. We appreciate your patience as we and everyone in our communities focus on addressing this crisis.
XXXX XXXX XXXX XXXX serves as a place to resolve marketplace issues between businesses and their customers. During the current COVID-19 state of emergency, XXXX will focus its efforts on dispute resolution and reviews about transactions and services the business can control. We wont process or publish complaints or customer reviews about allegations of transmission of the coronavirus from the business or its employees to consumers ; about a businesss operating hours during mandated shutdowns ; or about lapses in business licenses or delays to permits caused by licensing or permitting offices being closed. Thank you for your understanding.
Complaint Submitted Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will receive an email with further information once your complaint is processed by the XXXX.
The complaint is being handled by the dispute center listed below. Please contact them with any questions.
XXXX XXXX XXXX XXXX XXXX ( XXXX, VA ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX Web : XXXX XXXX XXXX Consumer Information Date Filed : XX/XX/2020 XXXX : First Name : XXXX Middle Name : Last Name : XXXX Suffix : Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX UNITED STATES Daytime Phone : XXXX Evening Phone : Fax : Email : XXXX ( email ) Business Information Business ID : XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX XXXX City : XXXX State/County : VA Zip/Postal Code : XXXX Business Phone Number : ( XXXX ) XXXX URL : This Business was Accredited at the time the Complaint was made.
This is NOT a COVID19-Related Complaint.
Complaint Detail / Problem Complaint Type : Refund / Exchange Issues Problem : Capital One Bank is holding levies that are released by the state. They are so understaffed, there is nobody running the department according to their reps. The state can't reach them either. They are holding the money from customers and the state. My experience below ... Capital One has held a levy that was a mistake and corrected by the state Comptroller 's office 3 weeks ago. They added the levy in 24 hours, 24 hours later the Comptroller 's office corrected it. Capital One Bank seems to have nobody running the levies and garnishments office. The state has tried to help me. I've talked to 9 bank reps over 19 days. The bank reps say they can't reach reps from the levies division. They told me 2-3 days at first. Changed it to 3-5 days. Then the last reps had no idea when someone would respond. My issue was from an old tax ID I thought was closed. The comptroller 's office was contacting my old phone number and put the levy on thinking I had the business the whole time. I didn't. Because I had been in touch with them multiple times via email, I thought it was resolved. Turns out, the email was just for the website, and the office never actually got my messages. That was a mistake on my part not making sure they closed the account, I have accepted. However, XX/XX/XXXX, as I just got my first paycheck after a year out of work due to XXXX XXXX and as I just received the stimulus deposit, the state put my account -XXXX, leaving my family with no money. It ate up my only paycheck. Once resolved with the state, it's supposed to be corrected to XXXX in fees for not filling only. I would only owe XXXX. My account sits at negative 11,000+ 19 days after the state corrected it. The state faxed and emailed capital One twice. I've called 9 times. Faxed once. I've emailed the consumer department. I've messaged them on XXXX. The comptroller 's office said capital one provides no call center for the IRS interactions. We can't reach anyone to resolve. After 5 phonecalls with the state Comptroller 's office, we have hit a wall and have tried every method to reach them.
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12/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
I made a hotel reservation through XXXX for XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. The charge was made on my Capital One Credit Card for the amount of {$880.00} on XX/XX/XXXX. The confirmation email stated a description of the room I reserved as a Master Suite with a separate dining area and a balcony with great views. The room the hotel wanted us to stay in did not have a separate dining area or a balcony and the view was of the side of a building. They also wanted us to pay the same price for the lesser room. After numerous attempts on XX/XX/XXXX to resolve the issue with XXXX and the hotel we were told that was the room available for us. Since it did not meet the description in our confirmation email, did not meet my needs and no attempt to make things right by adjusting the price of the room or by any other means were made, I found the situation unacceptable and we left and went to another hotel. On XX/XX/XXXX or there about I filed a chargeback with Capital One. They told me over the phone to submit a form and any documentation I had to prove my case. They also sent me a letter on XX/XX/XXXX stating if I had any of the following documents to provide those : All receipts, contracts, or work orders related to the disputed charge A copy of the merchant 's refund or cancellation policy Any refund notices or refund vouchers issued by the merchant A second opinion supporting your position from a similar merchant, on company letterhead and preferably signed by the person who provided the opinion. The letter should state why the original merchant did incorrectly, and include the cost to fix the problem ( if applicable ). The signed and dated proof of return, such as shipment tracking slip.
I sent them via fax the form along with a letter from me explaining the situation, the confirmation email, pictures of the room we were expected to accept. On XXXX Capital One advised me they had reversed the charge and were contacting XXXX for a response. On XX/XX/XXXX Capital One advised me XXXX stated I received the goods as described and in good condition so they were again charging my credit card for {$850.00}. They did not state nor am I aware of what documentation they provided to prove their claim. I am not sure why the change in the charge and Capital One was not able to answer the question except that maybe it had to do with the exchange rate. The letter also stated if I wanted to continue my chargeback to resubmit all of the documentation I previously submitted and a letter responding to XXXX XXXX response. This went back and forth for several letters and finally Capital One advised me they were declining my dispute due to me not providing the requested information needed to validate my claim. In the last 6 letters from Capital One they never state what documentation I need to submit. The only document I did not provide was a second opinion from another hotel. This document is not a required document but in fact an optional document by Mastercard chargeback rules. In my last 2 conversations with Capital One on XX/XX/XXXX and XX/XX/XXXX I was advised the reason they declined my chargeback was due to not proving I stayed in another hotel, which in fact I provided them with a copy of my receipt for the XXXX XXXX for the same nights and in the same city. This document is also not a required document as per Mastercard rules. In addition, they advised me they also declined the chargeback because XXXX offered a 10 % voucher for a future stay in a hotel amounting to about {$85.00}. This offer came several weeks after we returned from our trip and not while we were trying to resolve the issue. I have researched the Mastercard rules for a chargeback on this issue and we have met all of the requirements for the chargeback and have filed all of the required documentation and more within the required timelines. This was probably after the deadline, which Capital One did not advise me of, I provided an email from the Hotel stating they do not have a room with a separate dining area. That documentation is not required, and not requested but helpful to prove my case that the room was not as described. I have asked Capital One on numerous occasions for a letter stating exactly what documentation I need which they refused and said they were not able to do so. I am attaching all of the appropriate documentation.
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04/16/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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The law firm XXXX XXXX XXXX, XXXX retained by Capitol One Committed FRAUD and PERJURY! The process server used by XXXX XXXX XXXX, XXXX falsified documentation or evidence, proof of service, that I allegedly received to was summons or order me to appear in court to dispute a debt owed to Capitol One dating back to XXXX.
I was NEVER served or properly notified! As, I mentioned in my complaint dated XX/XX/XXXX, I live alone and am an empty nester. Further, I do not have a roommate or personal representative, I handle my own business matters.
The bottom line is this : A judgement was entered against me using deceptive or unethical practices and under false pretenses.
I was not present in court and allowed to give an account of events or afforded the opportunity to dispute or discuss the alleged debt owed.
I had submitted a complaint against the law firm XXXX XXXX XXXX, XXXX because of an earnings wage order ( EWO ) as obtained, as a result of a judgement being granted and entered by a court unbeknowst to me.
This law firm is unethical and the attorney representing the creditor, Capitol One, should be disbarred and the process server should be charged with perjury.
When my employer informed me of the EWO I was shocked!!!
The law firm, attorney, process server, and creditor should all be criminally prosecuted for lying under oath or perjurying the truth.
Collectively they are all complicit in violating my consumer rights, as well as the consumer protection law.
They should NOT be allowed to get away with lying ; it's unconscionable and I wouldn't be allowed to get away with lying under oath or in a court of law.
I know better ... my parents taught me better i.e. always tell the truth because the truth prevail s and roll set you free.
Consumers have NO rights if a matter such as this goes unaddressed and the parties are not legally and ethically held to account.
I can't even reconstruct the original amount of debt owed! How is it that I owe {$8000.00}?!?!
I requested documentation and it is very difficult to understand or interpret.
Also, I don't trust the information received as factual and the person I spoke to at the law firm, XXXX XXXX XXXX, XXXX could not explain anything to me ; I had to ask repeatedly for documentation of monies owed/ levied/garnished.
It is so unfortunate that creditors can ruin a debtors credit rating based upon inaccurate, deceptive, and unethical business practices.
The explanation provided per the letter, signed by XXXX, is unhelpful because it completely glossed over, ignores, or overlooks the fact that I was NEVER served or informed of a court hearing ; thus, given the opportunity to hear the allegations of monies owed!!! ow is it possible to collect a debt from XXXX I'm XXXX, or eights years thereafter?
How do I owe XXXX, when the original amount owed was XXXX?
I had no idea that there were two accounts!
XXXX AND XXXX ; How can I begin to unravel, retrace, and recount the balance ( s ).
Also, why am I still being harassed about a 2nd account that was charged off in XXXX, # XXXX?
The documentation received does not make that clear or understood.
Can I file a civil lawsuit against the law firm, the attorney, the process server, and the creditor? removed from my credit history and/or documented as satisfied, the earnings wage order removed, and my credit history to reflect this debt paid-in-full!!!
How is it possible to collect a debt from XXXX in XXXX, or eights years thereafter?
How do I owe XXXX, when the original amount owed was XXXX?
Can I file a civil lawsuit against the law firm, the attorney, the process server, and the creditor? unhelpful because it completely glossed over, ignores, or overlooks the fact that I was NEVER served or informed of a court hearing ; thus, given the opportunity to hear the allegations of monies owed!!!
I want the judgement satisfied, the earnings wage order removed, XXXX credit history to reflect this debt paid-in-full!!!
How is it possible to collect a debt from XXXX in XXXX, or eights years thereafter?
I'm having trouble attaching my documents ; I have others e.g. the fradulant or falsified proof of service from the process server.
It gives a description of the recipient, a XXXX woman XXXX ' tall ; I am XXXX and XXXX '' tall!?!? ...
I really would like to provide this documentation, as well.
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02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Early in the pandemic ( around XX/XX/XXXX ), after Illinois issued the stay at home order and non essential stores closed, I had a large online order ( approx. {$180.00} ) from Kohls that I needed to return. Because the stores were not open, Kohls does not allow mail in returns, and it could potentially be months before I could return the items and receive a credit, I did not want to pay the Kohl credit card bill ( Capital One ) and I contacted Kohls customer service.
I explained my situation and was assured that in order to help customers during this unusual time, returns would be extended, fees removed, etc. I explained that I did not have the money to pay the bill, and then wait potentially months for a credit, then months after that for the credit to be returned to me as a check. I was told that I could SKIP the payment on my bill, and once the items were returned that fees would be reversed and any credit reporting would be updated.
Once the stores reopened and I felt comfortable going inside and returning the items, I went to the store and returned everything. After a few months, I contacted Kohls again because my credit report was still showing late and it seemed to have been enough time to correct it. They let me know they will open an issue and escalate, to confirm that the reporting would be adjusted. I then received a letter ( XX/XX/XXXX ) that explained the reporting was accurate and would stay as is.
I contacted Kohls again, spoke to a manager who assured me that she would resubmit the escalation with additional detail noting that I was TOLD this would be okay and would be corrected, and that during the pandemic customers are negatively impacted, etc.
I again then received a letter ( XX/XX/XXXX ) that explained they have reviewed the reporting and it was accurate and would remain.
I called Kohls ( XX/XX/XXXX ) and asked who would be able to help with this, since it was my third time calling about this, and it is WRONG for me to be told to do something, that it would not impact my credit report due to the pandemic, and then have to call multiple times to have escalations submitted and it appear that no one is truly reviewing the issue. It seems that they are just confirming that the bill payment was late, so that is accurate. While that IS true, I was told it was okay to not pay and then return the items when the stores opened. Which, I did.
I then contacted XXXX ( XX/XX/XXXX ) as Kohls told me that they can't do anything more, as it is the credit bureau department that handles these issues. I did not know I was provided the main number for XXXX, as I thought it was a department within Kohls that would understand THEY told me it would be okay to skip the payment and return the items. I filed a dispute with XXXX, and then received a letter ( it says " for XX/XX/XXXX '' ) back that said they were told the information is accurate and will not be updated.
I again contacted XXXX ( XX/XX/XXXX ) and asked for the dispute to be reopened, since Kohls does not seem to be truly investigating this issue and likely has a recording of the phone call where I was told this would all be okay because of the pandemic. That report number is XXXX. I then confirmed with XXXX that the appropriate agency to file a complaint with is the CFPB.
I don't have any late payments on my credit report. I am disturbed that not only did I do what I was told to do, but that Kohls has made this time consuming, confusing and ultimately a mark on my report that it says will take 6 years to correct. It has been hours of phone calls, explanations and follow ups. I almost feel like they may not be servicing any of their credit customers from pandemic related issues and should be reviewed. I'm diligent, but I can't imagine what may be happening to the other customers with similar or worse situations.
In short : I had the merchandise, had a credit card bill for the merchandise, wanted to return the merchandise but could not because stores were closed and Kohls does not allow mail in returns. Rather than pay the bill and then be issued a credit ( which would keep the money out of my pocket for months or more ), I was told to skip the payment and return the items as soon as possible. As soon as I was able to go in store and make the return, I did. The late fees were removed. Why is the reporting not being updated as promised?
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11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
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Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Removal of Fraudulent Account from Credit Report - Threat of Legal Action Dear Sir/Madam, I write to address a pressing matter of grave consequence, one that holds significant legal and financial implications for both XXXX and Capital One. This issue centers on the presence of a fraudulent account on my credit report, an erroneous entry that has the potential to substantially impair my financial well-being and personal security. It is imperative that you take immediate and appropriate steps to address this matter, consistent with the laws governing financial institutions and consumer credit reporting agencies.
I have recently become aware of an unauthorized and fraudulent account on my credit report, an account for which I have never given authorization or initiated in any form. This account 's fraudulent nature is unequivocal and in direct violation of federal laws, notably the Identity Theft and Assumption Deterrence Act of 1998. The account in question exhibits the following attributes : - Creditor : [ Capital One ] - Account Number : [ Account Number ] - Account Status : [ Status ] - Date of First Delinquency : [ Date ] - Amount Owed : {$3900.00} - Balance updated : XX/XX/XXXX - Credit limit : {$3000.00} - Account info : XXXX - Open/closed : Closed - Date opened : XX/XX/XXXX - Account type : Credit Card It is crucial to note that the dispute associated with the account commencing with the number XXXX has recently undergone an update. The pertinent details regarding this dispute are as follows : - Source : XXXX - Date Submitted : XX/XX/XXXX - Report Number : XXXX - Account Number : XXXX - Company : CAPITAL ONE - Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX For clarity, I want to emphasize that I have neither made any material misrepresentation regarding this account nor agreed in writing to the supposed erroneous blocking of information linked to it. Moreover, I have not knowingly obtained any goods, services, or monetary assets through transactions related to this account.
The bedrock of my demands is rooted in federal financial laws, especially the Identity Theft and Assumption Deterrence Act of 1998, which underscores the seriousness of identity theft and the necessity for the expeditious removal of fraudulent entries from credit reports.
Consequently, I hereby demand the following actions, consistent with applicable financial and consumer protection laws : 1. Within a maximum of 30 days from the date of this communication ( today 's date ), I insist on the immediate removal of the inaccurate and fraudulent information associated with the aforementioned account from my credit report. The failure to comply with this demand will compel me to initiate legal action to protect my rights and interests.
2. In addition to the prompt removal of the fraudulent account from my credit report, I request the furnisher to provide all documentation that validates the existence of this fraudulent account. Furthermore, I request access to all correspondence related to this matter, both outgoing and incoming, for my thorough review. These details are indispensable for the lawful and just resolution of this issue.
I want to underscore that my primary objective is not to engage in protracted legal proceedings but to secure a fair and legally sound resolution to this matter. I firmly believe that your cooperation is vital for achieving this goal, and I trust that both XXXX and Capital One will accord this matter the urgency and gravity it deserves under the purview of financial laws and regulations.
Failure to respond appropriately to this communication or any attempt to circumvent my lawful demands will leave me with no recourse but to initiate a civil suit against both XXXX and Capital One. This is necessary to protect my legal rights and financial stability while upholding the integrity of the credit reporting system in strict adherence to established financial laws.
Please provide a written response to this communication at your earliest convenience. I am prepared to engage in further dialogue to resolve this matter amicably and in full compliance with the provisions of financial laws and consumer protection regulations.
Sincerely, XXXX XXXX
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08/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have been a capital one customer since XXXX and today I logged into my account online to see that my Venture card had been reduced from a credit limit of XXXX to just a measly XXXX. I have never even had a late payment or any derogatory marks on my credit. I have excellent credit and with a very big credit profile with many lenders including capital one. I have 6 cards with capital one and I called and it was a one hour wait or maybe longer to speak with an agent. She was very uncaring about the matter so I requested a supervisor who said she has no authority to fix anything or put my account back to the credit limit I had which was XXXX. She spoke in a way to me that seem to be a social injustice and racially motivated. I feel as though I was discriminated against while talking to the supervisor. I have excellent credit with a very high income and have always had a good relationship with capital one until today. Sir, this reducing of random credit limits during a pandemic especially is really unethical and immoral business practices, no other bank has treated me this way ever. This will affect some peoples credit scores that have done nothing wrong to deserve this kind of treatment. My card now has a XXXX limit which is not even useable compared to my other lenders limits and they treat me as a valued customer. I understand these are challenging times in todays world. But, this leaves a bad taste in my mouth with capital one. I have worked hard over the years to have the credit profile I maintain and am very proud of my financial success. I also would like to challenge this to the fair credit reporting act as I did nothing wrong to deserve my credit limit being reduced drastically. I am having a great deal of anxiety and feeling depressed over this matter todayI wonder how long before capital one starts slashing my other card limits. This is much unneeded stress given these challenging times. I will pursue racial injustice if someone does not look into why this had to be done to my account that is 7 years old. I see a physician for XXXX XXXX XXXX. I did not need to be treated this way today.discrimination is the best word to fit this action. I am asking you to restore my credit limit from XXXX back to XXXX please? I hope to hear from your office very soon with hopefully a remedy to fix this matter. NO ONE ELSE WOULD HELP. I SPENT HOURS OF TIME ON THE PHONE FRIDAY XXXX and now Thursday XXXX. Please restore my faith in capital one bank. I have always been a very loyal cardholder to capital one bank. Never one problem until today. Please assist me in resolving this matter. Thanks in advance for your time and help! No executive office response, but an agent called today XXXX and he was very rude and unprofessional. He said you can request a credit limit increase which means he is really not in the executive office. The executive office is the only one who can increase a limit back if this happens for no reason. i TOLD HIM THERE ARE PAGES UPON PAGES OF PEOPLE BEING AFFECTED BY THIS BANKS UNETHICAL AND IMMORAL BUSINESS PRACTICES. He responded with : if you do not like what we have done then you can always leave. What a professional response and class act. This agent was lying from the very beginning as he could not prove he was in the executive office. He called because i also complained to their social media website with posts. Is Capital One in financial trouble? Why have they suddenly decided to try to ruin consumers good credit ratings? They have no legitimate reason for taking this action as they admitted this to me. I took 7 years of letting this card grow and they destroyed that in one day. On behalf of all consumers this needs to be investigated ... just read all the pages of unhappy consumers stunned that Capital one is out to ruin credit scores and for no valid reason. This should be referred to the FTC. They further stated they expect a consumer to run up a tab on your credit card and if not then that justifies decreasing your credit limit. No it does not, that is predatory lending and pushing some consumers into debt possibly. Shameful banking practices by this lender. I also pay an annual fee yearly of XXXX i AM ABOUT TO HAVE A BREAKDOWN WORRYING THIS WILL AFFECT ME EXCELLENT CREDIT RATING. WHAT THE XXXX IS THIS BANK DOING??? In 2 weeks you have destroyed 2 cards i hold with your bank!
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09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX miles. Priced {$17000.00}. Inform them I wished to pay cash.
Started processing paperwork XX/XX/XXXX Signed contract Purchased Price {$25000.00}, for 36 months at {$260.00} per month, At 16.11 % per month. I left deposit {$3000.00}, thinking I could pay for the car in cash, I returned a couple days later and left another {$10000.00} I received 2 Bank DENIED application letter dated XXXX XXXX and XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX sent another application also DENIED ( I had no credit same as bad credit ).
NEXT I get a letter from bank stating Congratulations on your new car welcome to Capital One..
A couple days later I get a call from the Capital One tell me why I was denied..I informed them I already had the car and they were surprised.
Shortly after that conversation I received a letter from Congratulately me NO DATE on letter : Stating {$430.00} monthly payment for 72 months -- first payment XX/XX/XXXX This is when I went to dealership, Spoke with someone not sure who.XXXX XXXXXXXX or XXXX XXXX received was Purchase price was {$19000.00} at 16.11 per cent Interest. Why was it increased..?
I also informed them I did not want any manufacture protection/repair plan/contract.
On XXXX XXXX spoke with XXXX XXXX, as he introduced himself. I informed him I did not want the car for 72 months at $ XXXXDown hill from that point until now. He kept insisting due to my credit score being very low/no credit, that in six months he could do better for me.
I asked to have my deposit ( {$13000.00} ) returned. ( Receipt date XX/XX/XXXX ) deposit received.
XXXX XXXX explained he would be frowned upon by the bank. Are something to that effect.
He convinced me to keep the car and pay for six month bring up my credit score he would refinance get a better rate. To show good faith he offered to pay half of the first six months and wrote me a check for {$1800.00} ( receipt dated XXXX XXXX ) RED FLAG Now looking 0ver these documents looks as if everything took place on XX/XX/XXXX. That is not correct.
I have made all payments on time, sometimes more than was need, to get me credit score up.
After the fifth month payment I started reaching out to XXXX XXXX, to schedule an appointment due to COVID, and ONLY got the run around. Not in office, no available appointment, on vacation, at another dealership, will check for an appointment for next week, never returned calls or respond to texts etc.
On XX/XX/XXXX I stopped by the dealership and XXXX XXXX was there. He sent an employee to the door to tell me not to park infront of the store/dealership. Would not allow me to come inside he Met me in the parking lot, he said I dont need your drama in the showroom. Not sure what he met by that.
I am a XXXX year old female XXXX Yelled at, cursed and sweared at, in the parking lot. I was shocked at his way of responding and felt threathen. He is threatening me with my {$13000.00} in his pocket, he is very very wrong as a supposed to be a businessman.
I was informed not to call, text or come back to the dealership. Last I checked this is XXXX, I am XXXX Now I find out that my daughter was also taken advantage of by this dealership because of her bad credit/low credit score. She purchased a XXXX at {$670.00} per month.NEW CAR PRICES.
During my reschearch the last couple weeks, I placed claims with : Atty General, Assemblywoman XXXX XXXX, Federal Trade Commission ( FTC ), Senior Citizen Help Lines XXXX XXXX XXXX XXXX XXXX ) and others. I didnt get any help. This system.It does not work for an individual consumer.
XXXX made two calls, got no response and closed my file. I am going to say it this way.They knew my response, from them went to SPAM However, I found out from the XXXX that there are 13 or 14 other complaints filed against XXXX XXXX XXXX XXXX I dont know if they are senior, young, poor, bad credit, no credit, XXXX, XXXX or other.
He/they know and work the system.
I AM SURE HOW XXXX XXXX XXXX XXXXTREATED ME IS/WAS FRAUDULENT AND/OR SCAM PROCESSES.
So busy struggling with the dealership regarding price change I never got to deal with them regarding needed repairs that should have been taken care of before sale.
I have put brakes in the car Oil Change All tires are bad Key batteries died ( 2x ) and more
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07/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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Capital one I have 2 accounts autoloan and credit card. I was suffer from nsf fee due to XXXX XXXX XXXX. My car was reprocessed when I owed them $ XXXX from {$48000.00}. But it was my fault so I understood and paid off my vehicle with fees and fines total combined was around {$4500.00}. Belonging lost XXXX location found in towing company location was lost, never found. Got vehicle back to find out that capital one denied my access to my own autoloan that paid off. A month later when I check with dmv and capital one didnt release my lien yet. I call and they denied my account was ever existed so I told them that can you check if you released my lien yet. Ive paid off a month ago. They suddenly found that the lien was not released yet and they released it on XX/XX/XXXX when I paid off XX/XX/XXXX. So I asked capital one just to waive late fees for last XXXX months of my autoloan ( around {$100.00} ) that I was late and got it reprocessed and used them as credit to the credit card that I owe them. They said they will escalate it and when I call another day. My account couldnt be found again, never exist. Capitol one left me credit card that I owe them rewards points were deleted. Since credit score was bad my card was closed as well but the account was open so I paid for my debt until XX/XX/XXXX that I paid off my account. I paid interests and late since the day coronavirus started until the day I paid off. I only asked them that I need my autoloan statements for tax return. This is the answer I got from them a couple of day after my credit card account was paid off, you dont have account with us this time. Call ask for full account number, full credit card number, ssn provide but couldnt find anything. End up find tax return with those expenses.
XXXX-my account has checking and credit card. Checking was closed with no reason. They said it was negative and cant be negative more than 60 days and my account had no movement for months. But I had my direct deposit coming in every 15 days. So I asked them Id like to pay for the negative amount that I owe you so I can have access to my statement. They said the amount was XXXX now because the couple of direct deposit bring them to positive so they closed it. Until now I sincerely dont understand why did they close my account and never give me a statements.
For XXXX XXXX credit card - I just closed it this year XXXX. I missed a few payment so my credit score went bad and credit card was closed since XXXX kept account open to pay the debt and interests. I asked them about the coronavirus fee relief and I never be able to waive a single cent. I paid off my credit card with interest and fee. Same issues occurred but this time my login was block I couldnt log in to my account. Call them to be ask for full credit card info that I was closed in XXXX or account number that I had only last 4 digits. I try to get my information to be told that my account was locked due to fraud transactions. What? My credit card was closed by XXXX, I only paid during the time after it was closed. I couldnt use any credit on that card even if I paid off. Now my accounts was ban from fraud transactions. Need full credit card numbers of over two years ago card, full acc number when I have left was last 4 digits of my account number on my email, ssn is not allowed to be used for searching at the time. Statements will be paper released only if I provided XXXX digits number card or account. XXXX what are you afraid of? Or hiding? The number never lie, I paid off by sending fund from another account. The day I asked you to waive late fee because I was short about {$10.00} from over {$200.00} minimum payment. Your customer service said only {$10.00} I should have no problem. She did great though to remind me {$10.00} was lower than my minimum wage for an hour and I would definitely be charged if I failed. I dont know how to say it so I hang up.
Just want to explain I was laid off suddenly late XXXX, XXXX payroll records. All my last paycheck was used to paid credit card capital one, XXXX, and XXXX credit account. I can borrow from friends and family but I did that before and not really proud of it. Charge me if you think it is necessary it is just gon na take me a day longer to pay you off.
Never claimed unemployment nor plan to claim it. That was the message I want to tell her.
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08/17/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
My husband and I have been banking with Capital One for over 10 years. Until recently, we have never had a problem with access to our online accounts, which we hold jointly, including a savings account, a credit card account and a custodial account for our daughter.
Recently, we discovered that Capital One has instituted, without our prior knowledge or consent, a procedure the consequence of which is to block our access to our online accounts unless we agree and consent to " Capital One Auto Finance Online Terms and Conditions [ Rev. XX/XX/2015 ] '' for an auto loan which we obtained through a dealer, which happened to be underwritten by Capital One. The loan agreement we signed at the dealership included no requirement or statement that our auto loan be linked to existing accounts that we might have with Capital One. We were not asked about nor did we disclose the existence of any such accounts.
After the loan transaction was successfully completed at the dealership, Capital One unilaterally and arbitrarily blocked us from accessing our accounts by the device of a web page interface that appears when we enter the user ID and password of our account on the log-in page, and that requires us to consent and agree to a document called " Capital One Auto Finance Online Terms and Conditions [ Rev. XX/XX/2015 ] ''. Unless and until we do so, we are denied access to our online banking and credit card accounts. We never asked Capital One to link our auto loan to our other accounts, nor did Capital One require it as a condition of the loan. In a blatant breach of its fiduciary duty, Capital One is holding our accounts hostage to its unlawful demands that we consent to conditions related to online access for our Auto Loan in order to be able to access our funds and account information for pre-existing and ongoing accounts.
We have been trying for approximately two weeks to resolve this matter with Capital One, to no avail. The representatives we have talked to could only tell us that our accounts are already linked to my husbands and my profile that is associated with our social security numbers and other identifying information. If that is the case, it appears that Capital One has arbitrarily linked our loan to our existing accounts without our consent, and is now demanding our consent after the fact, in order to justify its actions. To force us to agree, it is blocking access to our accounts.
In fact, Capital One tacitly agreed at one point that its actions were arbitrary. On XX/XX/XXXX, I was told by someone in the Auto Finance department that web support had confirmed that the interface would be removed, but that it would take 7 10 business days. When this didnt happen, and we were still unable to access the accounts 9 business days later, I called the Auto Finance department again, and this time was told by a representative called XXXX, after consulting with web support, that in fact it would not be possible to remove the interface. If the interface was legally required or justified, Capital One could not have agreed to remove it, technology notwithstanding.
In the meantime, on XX/XX/XXXX or XXXX, we received a letter from CapitalOne inviting us to activate your auto account today at www.capitalone.com/autoenroll. Attempting to do so once again produced the problem described above. Sometime after that however, and before XX/XX/XXXX, we received another letter, asking us to set up our account at the link above ( letters attached XXXX. Believing this to be a follow up on the conversation I had with the person who said the interface would be removed, my husband then followed the instruction to set up a loan account, creating a user ID and a password. However, this didnt work either. Numerous attempts to log in to the auto loan account using this ID and password have been denied, not because the password or ID is incorrect but because the website asks him to verify his identity by selecting a phone number that they can call to give us a code. When he does so, he gets a message saying that something went wrong and to wait a moment while it is straightened out. It never is, and this happens at every attempt. At no point does the website tell him that his username or password are incorrect, nor does it allow us to reset the password. This non-procedure is described in the attached document.
|
07/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
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My son arrived in XXXX, XXXX the night of XX/XX/XXXX on a business trip. After a 15 hour flight, he was exhausted, went to a local bar, XXXX XXXX XXXX XXXX, which was near the XXXX XXXX where he was staying. When he was told that one after another of his credit cards was not working to process his {$11.00} drink charges, he ( unfortunately ) gave this establishment 3 of his credit cards, as well as his debit card - though he clearly, only signed one receipt. ( And despite his being exhausted, he had calculated the conversion and determined that what he signed was correct. Unfortunately, he did not keep the receipt because it was small and not reimbursable. ) The bar submitted close to {$3000.00} in fraudulent charges, and even took my son 's debit card and tried to take money out at a local ATM. I received an alert on two of the cards almost immediately, and was able to speak with both XXXX XXXX XXXX and Capital One right away. My son confirmed having had the two drinks, and let us know why he had given the bar so many different cards. He did have the cards in his possession when he returned to the hotel. Following my filling out all sorts of paperwork, Capital One let me know yesterday that we would be stuck with these charges, despite the overwhelming preponderance of evidence that this was fraud. The bar submitted a fake receipt, with a fake signature, but Capital One said that since a chip card was used, and my son acknowledged being at this establishment, and because he had not kept his receipt for the drinks, we were liable for the charges. I was quite upset to learn this information, and Capital One offered first a {$200.00} reduction on the {$700.00} charge - then upped it to {$350.00} - saying we were 'valued ' customers. They also insisted we were responsible for a second charge from the same bar for {$330.00} despite the bar not having sent any additional signed receipts for this amount. So we would be stuck with almost {$700.00} in charges! Capital One claims they have to follow Mastercard rules that resulted in our being stuck with these charges. And, by, the way, when we first filed the dispute, Capital One had not warned us that failure to file a police report could be a problem. In fact, my son would not have done so in XXXX anyway ( for safety and security reasons ), but he could have gone to the XXXX XXXX in XXXX for help. Because we have never had a problem in the past with credit card companies when false charges have been made, it never occurred to us that this would play out as it has. XXXX XXXX XXXX already agreed that the {$160.00} charge to our son 's debit card from the same bar was fraudulent, and we would get full credit on that charge. They are still in the process of determining the {$1100.00} credit card charge from the bar, and I sent them all my documentation today for the 3 credit card companies ( including XXXX ) involved in this matter. They seemed more sympathetic to our situation, and the credit card claims department employee said he would recommend to his supervisors that the XXXX fraud department contact the Capital One fraud department. So, for the moment, my complaint is only with Capital One as I have no final resolution from either XXXX XXXX XXXX or XXXX. The bottom line here is that this was fraud, plain and simple, and that should have been obvious to Capital One based on all the paperwork I sent them from the different credit card companies involved. We consumers were told that the chip card would protect us - but Capital One basically said exactly the opposite - that because a chip card was used and the card was not stolen, we were responsible for the charges - despite those charges being fraudulent and the receipt submitted to Capital One having a fake signature. ( And in the instance of the second Capital One charge for {$330.00} - no receipt had been filed by the merchant during the dispute process. So it 's even more perplexing that we could be held responsible! ) I hope you can help! I plan on calling my senators and congressman and anyone else who can work on this matter. This issue clearly goes way beyond our own family 's experience, and consumers need protection here!! Bottom line until then - KEEP EVERY RECEIPT NO MATTER HOW SMALL! AND NEVER GIVE AN ESTABLISHMENT A SECOND CREDIT CARD UNLESS YOU HAVE GOOD REASON TO DO SO!! Thank you.
|
02/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
Ran a credit report via XXXX on XX/XX/XXXX as I have been working hard to repair my credit from past mistakes. While reviewing it, I came to realize that CAPITAL ONE has been running soft inquiries on my credit NON STOP for the last two years. When I say non stop, it is not an exaggeration. Pretty much once a week for the last two years straight. I can not stress the next statement enough ... I have NEVER applied for any sort of credit with Capital One in my entire life. Not once. Not a credit card, business credit card, loan, ANYTHING.
I attempted to contact them for more information and to put a stop to it and got absolutely nowhere. Their outsourced customer service just repeatedly asked for my social security number AKA the last thing in the world I would be giving out over the phone in order to " look into it further ''. I offered just about any other piece of information to help them put an end to this until a supervisor at Capital One told me " we can't help you. Go file a complaint with the Credit Bureaus ''. So here I am ... and I'm furious.
Below is the exact information I found on the XXXX credit report I ran on XX/XX/XXXX under the " SOFT INQUIRIES '' section related to this issue ...
CAPITAL ONE Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Again, at no point in my entire life did I apply for ANYTHING related to Capital One. Not once. Let alone 75+ times that they have performed these inquiries. This HAS TO BE STOPPED. I am attempting to repair my credit to secure my next car as well as purchase my first home in the next year. Things like this are going to be what holds me back and it's a joke.
There are additional erroneous soft inquiries on my credit that I have ABSOLUTELY NOTHING TO DO WITH. Those are listed below ...
XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX There is plenty of activity on my credit report that is TRUE & ACCURATE but none of what I have copied and pasted above is true OR accurate! My credit score has SUFFERED as a direct result of all of these bogus inquiries and I want justice
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02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My Complain is against Capital One Bank.The Complain is about $ XXXXthat was wrongly charged to my account in XXXX of 2019 and forced my account to be on a negative balance, because of this, my minimum pay went up, leading to more interest being charge to me.
It all happened after Capital One Bank Approved a Transaction ( that was later believed to be fraudulent ) from Another Bank called XXXX XXXX, by ... ...
- first, putting the Transaction on hold after suspecting fraud, Second, verifying that the account holder of XXXX XXXX XXXX authorized this transaction by linking XXXX XXXX XXXX agent on a three-way call with me, ( it should be noted that I told them in the recorded phone call that this account doesn't belongs to me. ) Third, Releasing the hold on the payment after XXXX XXXX confirmed with their bank account holder ( s ) that they recognized the transaction ....
Fourth, the Transaction was cleared and posted a few days later.
- Fifth, weeks later, the transferred funds that were no longer in my capital one account were being charged to my account after it was believed that the holder of XXXX XXXX account declined the transaction.
Sixth, Capital one bank over-boarded my credit limit to the amount of the transaction ( payment from XXXX XXXX account to my credit account ) and putting my credit card on a negative balance.
since then, they have charged me high interest rates due to this negative balance even as I struggled to keep up with the payments.
Its been almost one year since then. It has now come to a point where I'm unable to keep up with the payments which is taking a huge toll on my finances as a low income person.
it should be noted that, I spent tens of hours on the phone with capital one bank agents who asked me to do a police report and to put together evidence to proof that this bank fraud was done by the holder of the XXXX XXXX account, and fax it to XXXX XXXX Which I did.They told me only an administrator in a high position can see into my case ... and that such a person can't talk on the phone.
Equally went to a XXXX XXXX branch office to make a complain of what happened as I was advised by capital one agent who told me their bank doesn't have control over XXXX XXXX .... neither do they have control over the XXXX XXXX account.
I then reported to the XXXX XXXX XXXX Branch Manager at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX.The Manager told me I should rather go back to Capital one bank who is the right entity to duel over that matter and that because I'm not the account holder, they can not disclose any information to me.His Tel : XXXX Fax : XXXX And his email : XXXX I have documents from the supposed account holder of XXXX XXXX who was acting under the portfolio of my manager in a new hire job, Company name XXXX XXXX XXXX based in New York and I was supposed to be working in the XXXX XXXX.As the hiring letter here attached With email instructions elaborating on the XXXX XXXX account number, routing number, telephone number and voice records as she instructed and authorized the payment of funds into my credit account in what later was believed to be fraud.I equally have phone records with capital one agent on a 3 way call with XXXX XXXX when I made it clear that this account doesn't belongs to me .... so they should make sure the account holder is the right person authorizing the transaction.
Other documents include : A letter of Explanation to whom it might concern, explaining what happened and the measures I took to address the problem, A police report detailing what happened between me and the company that offered me employment XXXX XXXX XXXX XXXX as a member of their XXXX XXXX.Documents involving the XXXX XXXX XXXX XXXX XXXX from the funds paid into my credit account are also attached here.
Some of the people/entities involved in this case are, -Capital one bank, -XXXX XXXX XXXX , XXXXXXXX XXXX XXXX XXXX , -Mr manager of XXXX XXXX XXXX branch XXXX XXXXDetective XXXX XXXX # XXXX XXXX a supposed be manager of XXXX XXXX XXXX who carefully instructed and authorized the transaction.
At some point I think the account holder from XXXX XXXX XXXX might be working with an in-house agent to authorize and later decline Transactions, if they truly claim the person who authorized the payment was not the legitimate holder of the account ...
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10/21/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I opened a small business account in XXXX or XXXX of XXXX with Capital One in XXXX, XXXX Shortly after the account was closed by Capital One and I was told it was due to a failure to respond 2 letters that were sent to my home while I was away. I received no emails or phone calls. I noticed the account was closed when I tried to make a purchase and only then did I find out that funds had been removed and would be issued in the form of a check that would take 7-10 days. I received the check in the amount of {$1000.00} and tried to cash it on my personal account but could not due to it being in the name of the business. I contacted customer service and was advised to go into a branch and open another account and that I would be able to cash the check and receive the funds. I went into the XXXX XXXX XXXX. XXXX in XXXX on XX/XX/XXXX to open the account. The manager there told the personal banker she could not open my account due to a fraud comment being placed on the closed account and they being deleted with no trace of what the comment was or why it was removed. The manager insinuated that I had committed some kind of fraud even though there were notes that suggested that I was authorized to open a new account. I spent 2 humiliating hours researching what the fraud could have been after I assured them I was never given any knowledge of that. After tracking down the person who placed the comment on the account. There was no answer as to why or what the comment was that was deleted. It was apparently an error that was covered up by deleting the record of the comment but it has tainted my business account history. The manager then agreed it was fine to open the account after nothing was found and did not apologize. I'm 100 % sure that majority of that bank thinks I committed some type of fraud at some point and I was never vindicated publicly. I have to whole conversation recorded. I was then told I could not cash the check but had to deposit and have it run through the business. I deposited and left the account open without removing funds to assure I'd have no issues with the closure of the account again. On XX/XX/XXXX I received correspondence from them stating the check that had been issued from capital one in the name of the business had been charged back and debited from my account causing the account to be empty due to duplicate presentment ( deposited more than once ) Impossible the check was in the name of my business that I have only one account for that happens to be at capital one and also the check had to be deposited and could not be cashed. I reached out to business customer service and was told that there was no image of the check on file when I have a legal copy that was sent with the chargeback. I asked to speak to a manager and got XXXX ID # XXXX who told me shed have to escalate to another department for research. There was no information given to me about where my funds were or the duplicate presentment. I asked if I could get a temporary credit due to the fact that I had been a victim of Hurricane IDA and needed the money. I was told they weren't allowed to do that and also that there was no one higher up that I'd be able to speak to. I was also told it could take days to find a resolution but that it would be expedited and that i should hear back by the next day. On XX/XX/XXXX I called and asked to be directed straight to a supervisor and got XXXX ID # XXXX. I was told there was no update but that it was probably because the check was dated XX/XX/XXXX and that it had been pass 90 calendar days which was not true. The correct time was actually 72 calendar days. She also said that she had never seen a check chargeback error refunded. I was told it could be along time before I see the funds and that if there was an error on the bank the most they'd do is replace the funds and that they were sorry. This has been emotionally exhausting as well as mentally draining at a time when I need the money most. not to mention I have been humiliated, my business file tarnished, and someone is mismanaging my account for the second time. I will be seeking damages and will be looking for an attorney to help me in my pursuit for justice. I have filed 2 complaints and reached out to the ceo via email. I don't have 20 days for a response, I need my money now or at least answers.
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06/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX tickets were purchased to a sporting event in XXXX XXXX through the seller XXXX. One week later I received a notice from XXXX explaining that the event was cancelled due to covid-19 and everyone would receive refund at point of sale. The seller XXXX XXXX had not cancelled the event in malice to change their user agreement to not include cash refunds for cancellation even though written proof exists that their XXXX XXXX states the customer has the choice of taking a 120 % credit that expires in 12 months or a cash refund, and specifically so in written email communication from them I received on XX/XX/XXXX. In writing, a cash refund was requested on XX/XX/XXXX to XXXX customer service chat line, then requested over the phone twice the same day when their returns team began their shift at XXXX am. When I contacted XXXX as mentioned, they still had no update on cancellation even though written proof was sent to the XX/XX/XXXX from XXXX and also from the venue, hence no refund since it wasnt cancelled. Keep in mind the state of XXXX XXXX is on lockdown during this time. XXXX shrugs their shoulders and doesnt do anything to resolve the issue with malice, to run the clock out on purpose as later email communication is sent on XX/XX/XXXX that events cancelled going forward would receive a credit. I then reach out to CapitalOne to dispute the charge and the a temporary removal of the charge takes place pending investigation. I am told verbally that no action is needed by the service representative. On XX/XX/XXXX a notice comes in from XXXX that the event was cancelled and according to their user agreement a claim for a cash refund would be processed in 2-3 weeks. Since I had already issued a dispute with my card company I let them sort everything out as the investigation is happening and the removal of the charge happens and CapitalOne tells me to stay as is. CapitalOne asks that I keep all documentation for 90 days in written letter dated XX/XX/XXXX and says no additional action is needed. Fast forward 1.5 months later on XX/XX/XXXX I notice a transaction rebill by CapitalOne. After calling them on XX/XX/XXXX I am informed capitalone finds the seller in favor due to XXXX issuing a worthless and unclaimable coupon for one, sporting events and social gatherings are outlawed in the US for an undefined amount of time, two, the coupon expires in 12 months and three, my XXXX account being locked out due to me issuing the dispute, all while me explicitly telling XXXX I wanted the cash refund back in early XXXX as noted in my documents. I am told on XX/XX/XXXX I am to receive a letter showing the case and I can supply supporting documents after receiving the letter on XX/XX/XXXX, giving me only a few short weeks. I call stubhub who and get ahold of a XXXX verbally confirms the issuance of a refund as mentioned in writing originally to me ( 2-3 weeks processing ) and gives me a confirmation number of XXXX. On XXXX I am XXXX and due to receiving XXXX and being on painkillers I am unable to get out to certified mail documents to capitalone, and also to XXXX for a notice of dispute as per their user agreements. Today on XX/XX/XXXX the three weeks is up with no refund so I reach out to CapitalOne who by the way gave the merchant XXXX 90 days to suffice supporting documents and today tells me I missed the deadline by 3 days of XXXX to supply documents for my side. I explain the dilemma I went through with XXXX and being XXXX and where XXXX locked my account out due to disputing the charge and threatening no refund if the charge stays and no way to get rid or redeem of the 120 % coupon either and CapitalOne simply gives me no options as the case is closed even though I have supporting documents of the merchant issuing a refund, but now not taking 3-4 weeks but up to 120 days at which point is past any way to arbitrate with CapitalOne or XXXX. Getting on the line with CapitalOne Customer Service and Disputes team and also StubHubs team again today yields no results having CapitalOne tell me to reach out the merchant and having the merchant XXXX customer service putting me on hold and hanging up after I explain my issue. The epitome of XXXX multi XXXX dollar companies working hand in hand expressly breaking Written and verbal contract and acting in the most unethical way Ive ever seen.
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03/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX, I applied for a Capital One credit card and was asked to provide 2 documents : a Government-issued Photo ID and a document showing my Social Security Number ( SSN ). I submitted two documents showing these and had not heard back on my application for some time, so I decided to call Capital One Customer Service on XX/XX/XXXX to see if there happened to be any issue. As it turned out, there was. I was only then informed that Capital One had rejected my Photo ID document as not being clear by their standards, an issue I had never had before when submitting my Passport Card photo. Thus, I faxed a new Photo ID to Capital One my Driver 's License to remedy the issue along with the document showing my Social Security Number.
On XX/XX/XXXX, I then received my Capital One rejection letter for my application. This letter indicated that the reason for the decision was that based on my application information, the application submitted is incomplete or can not be verified. The letter indicated that my Credit Score per Capital One was XXXX. The letter included that if I feel Capital One missed something in reviewing my application, I could write to Capital One which I did.
My letter in response to Capital One included my request that they reconsider my credit card application based on new information provided under the Equal Credit Opportunity Act with a new, significantly higher, salary of {$72000.00} given a new full-time offer I received. I additionally indicated that I submitted a complete application and provided all information requested. However, given that the denial letter made reference to an incomplete application or information that could not be verified, I requested that in accordance with Section 1002.9c of the Equal Credit Opportunity Act, Capital One inform me of specifically what was missing and provide an opportunity to remedy my application with the necessary information to complete my application.
I pointed out in my letter that, based on the XXXX report, I have been an authorized user on my father 's credit card with Capital One prior to Capital One 's sale of the GM Card business to XXXX XXXX XXXX. I additionally pointed out I have been the exclusive user of that credit card since XXXX XXXX XXXX with zero missed payments and paying the entire balance in full each month with multiple payments made each month. I also noted that Capital One has sent me multiple preapproval offers of credit in the past.
Following this letter, I received a follow-up from Capital One on XX/XX/XXXX that was identical to the first rejection letter that indicated my application information was incomplete or can not be verified. This letter did not indicate what was missing or incomplete from my application, as I specifically requested from my letter, and offered no remedy or option to fix the " incompleteness '' of the application, which is impossible without being informed by Capital One what is considered incomplete.
I then called the next day on XX/XX/XXXX to Capital One 's Customer Service to find out why my application was once again rejected and considered incomplete. The initial woman I talked to said my application was once again rejected and that this decision was considered final with no opportunity to fix the issue. She told me to reapply in 6 months and when I continued to ask questions to find out why my application was considered incomplete, she directed me to XXXX and informed me that he did not know why my application was considered incomplete as that was something only the back office did and that I would likely not receive an answer to my very basic question of what was considered incomplete, why, and would not have a remedy to fix the issue at hand. I pointed out that this very basic information is required under 12 CFR 1002.9 - Notification even going so far as to read aloud the relevant sections regarding incomplete applications : " ( 2 ) Notice of incompleteness. If additional information is needed from an applicant, the creditor shall send a written notice to the applicant specifying the information needed, designating a reasonable period of time for the applicant to provide the information, and informing the applicant that failure to provide the information requested will result in no further consideration being given to the application. ''
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03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I used to have an XXXX XXXX and I closed the account and had a payment arrangement to bring down my debt. The card was bought by Capital one,. I've made several online payments to capital one since the switch. At the end of XX/XX/2023 I signed online to make a payment and all my information was missing. I called capital one to say hey I can't make a payment something weird is happening and all my info is gone. I spoke to 4 people in an hour. I only spoke to that many people because 3 XXXX could not tell me what was happening. They just kept saying your account is closed. I already knew that, they knew that, so why is my information missing? They again said the obvious which is that my account was closed. Finally after refusing to get off the phone until someone could form a coherent sentence and provide accurate information, the FOURTH PERSON told me my credit card was charged off. They never warned me, they never sent a notification, never called, emailed, sent mail, nothing. There was no indication on my online portal that there was an issue. In fact everytime I went to pay, it said my minimum balance was XXXX. I was paying under what I agreed on with XXXX because of massive medical debt, but if that ever happens with any other card they let you know it's a problem. Capital one didn't say XXXX and THEN when I disputed it I asked the process, they said 30 days. They said someone would call me. I said what if I can't answer will they leave a message? They said yes as long as you state your name in the voicemail. This was XX/XX/XXXX. No one called me. Ever. They said they did but I live in XXXX, I could have been on the train with no service. They told me they didn't even have to call me but they did. So they lied because the first time they said they'd call andconfirmed they'd leave a voice note. Then today I call to dispute the stupid letter they sent. The letter says they researched my dispute and their decision stands. Not once did they address how no one communicated with me and then my information was missing. I CAN NOT SOLVE A PROBLEM I DO NOT KNOW EXISTS. I told them my online account was weird too -- never said a balance was due even though of course it was. I can't prove that to you because they REMOVED MY INFORMATION. Then this XXXX lady today tells me that they sent me paper statements, and that's where the warning was. I asked why would there be a discrepancy between online and paper statements? she did not address the question. She said the warning was saying I had a balance. What she described is a normal statement. I said ok so you're telling me that you sent me communications that you absolutely did not send? She said telling me I have a balance is my warning. I said that's like us both being outside and it's sunny and you say it's raining. Not once did anyone at capital one take responsibility for their XXXX business. Then when I say the actual info I did receive because I CALLED was nothing but incomplete, inconsistent, and inaccurate. She says, " I can't speak for other people. '' Well someone better because each of this incompetent individuals in an exploitative system are setting people up purposely to fail and then saying it's my fault. no. it's not. I have responsibility yes but this is a two way street, I CAN NOT MAKE INFORMED DECISIONS WITHOUT ACTUAL INFORMATION. and the whole process to dispute this reflects the initial problem of XXXX communication. The definition of fraud is lying cheating stealing waste and abuse. Capital one is fraudulent. The sad thing is payment isn't even an issue, I have XXXX left and can finish it off in my next paycheck. but this charge off that is THEIR FAULT is screwing me and damaging my credit when I am literally doing everything I can to take care of it. they are not doing their jobs and a normal reasonable ethical thing to do would be like wow XXXX you're right we have no idea how to communicate, we don't train our staff properly, we take XXXX responsibility for our errors, and gee whiz looks like we don't actually communicate AT ALL. People like XXXX XXXX are getting away with ruining lives and capital one won't reverse a life altering credit damage that is their fault, coming after someone drowning in medical debt. again that is even beside the point, THEY DID NOT DO THEIR JOB. I need this charge off reversed.
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11/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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My complaint is regarding how Capital One 's fraud department 1 ) mishandled a suspicious activity on my account 2 ) did not provide an alternative means for identity verification for a US citizen temporarily deployed abroad who does not have a state ID or driver 's license. On XX/XX/XXXX, I tried to pay a bill via an online payment channel in the XXXX. The first time I entered my credit card information I received an error from the payment processor. Since I didn't receive any fraud alert via my Capital One app or email, I assumed the error was on the side of the payment processor. Therefore, I reentered my credit card information and re-tried the transaction. After I received the same error, I decided to instead call Capital One to check if there is an issue with my credit card. The customer service representative assisted me and found that the transaction was flagged as suspicious but that he can help me unlock the card again so that I could re-enter the payment information and re-send the payment. After a security verification process ( he sent me a code to the mobile app ), the representative confirmed that I am now free to use the card and retry. I asked the service representative to stay on the line in case there are any problems. After I re-entered and re-submitted the credit card information, the same error appeared. The representative informed me that it must be because it can take 20-30 min for the changes he put into the system to take place. He suggested to re-try after that period and we ended the call. However, this was already suspicious to me so instead of trying the card a fourth time, I called the fraud department again after a few hours to confirm that my card was good to use. I was then informed that my case had been escalated, a hold been placed on the account, and I needed to provide advanced identification to remove the restriction. This consisted of submitting a copy of a valid US driver 's license. I informed the case worker that I do not have a valid US driver 's license and am currently XXXX in the XXXX, using a local XXXX driver 's license and a US passport for identification purposes. I inquired if there is an alternative verification pathway for cases like mine but was informed that a state ID or driver 's license is the only way. I kindly informed the representative that I felt discriminated against for not having a driver 's license and hoped that Capital One fraud team would create an alternative verification process for cases like mine in the future. I also informed that it was not clear when I would return to the US ( although my intention was to return ) to get a new driver 's license that now became necessary to unlock the account. Flash forward nine months. Due to the COVID-19 pandemic, I ended up not being able to return to the US in XXXX. On XX/XX/XXXX, I received a warning letter that my account will be closed if I do not provide the requested information within 45 days. I again called the fraud department to explain my situation and that I am unable to get a driver 's license as I am unable to leave the XXXX during the pandemic. I informed them that I have a US passport, expired driver 's licenses, and a valid foreign driver 's license. I was told to submit these for evaluation and they would put in a note about my current situation. A few weeks later, I received a call that they still couldn't accept my validation documents since the US driver licenses had expired years ago. Again, I asked if there is no alternative way for verification for cases like mine but was again told that the only way is via a valid US driver 's license. Since this discussion, I received a letter on XX/XX/XXXX that my account had been closed because I was not able to provide the requested information. It is a shame since this is my longest-running credit account dating all the way back to XXXX. Clearly, something went wrong on their side during the escalation of the account ( why did the customer service representative tell me to use the card again when it was not fully cleared yet ) but there was never any admission of this mistake. Instead, Capital One Fraud department was hiding behind the requirement for me to provide driver 's license identification and not willing to make alternative arrangements in light of my situation and the ongoing pandemic.
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10/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
To whom it may concern, Although I do not remember the exact year but believe it to be in XX/XX/XXXX, I opened a credit card with Capital One ( C-1 ). I used it for specific purposes and routinely paid it off monthly. There was only one card issued and I was the sole user.
In XXXX of XXXX I attempted to use my C-1 credit card and the charge was declined. I called customer service number I was told a payment was late and therefore further use was declined until brought up to speed. I informed them I did not receive a statement, and asked for the amount due. I also asked for a statement to be sent to me as I had not gotten one.
As a side note - this account was also sent to collections but after explaining what was going on, collections sent it back to C-1. My credit score, though, was still affected / lowered. At one point my score was over XXXX but had dropped to XXXX.
To this date I still have not received a statement but the amount owed was greater than I know I charged.
Through XXXX, XXXX and XXXX and several telephone calls I finally was informed that the case was closed. Still no statement.
I called C-1 multiple times and finally was told that I must provide verification of who I was despite the fact that I answered ALL questions put to me. I was informed that I needed to provide a copy of the front and back of my state issued government identification - drivers license. I declined as there was no justification.
In all my years I have never heard of such a request.
I have several friends in banking that said they, too, have never heard of anything like getting photo ID, and they were not even sure if legally they can do that.
The calls continued and I was without statements or documentation of what was owed or what the current balance was. Now moving into the summer of XXXX I yet again called and spoke to a very nice lady. I was either XXXX or XXXX, not sure.
XXXX or XXXX was as helpful as possible and provide some information to lead me to believe that a charge or two on the C- 1 CC were mine, but many were not. I was told most of the charges were made between XXXX and XXXX of XXXX in the State of Michigan.
I'm sure she violated some sort of internal rule but she did inform me that the address shown on the account was in XXXX, Michigan. I assured her I was not in Michigan. She did give me the complete address on file as well as an email ( not mine ).
XXXX or XXXX said she would send the information to their fraud team. Again, for the longest time I heard nothing from C-1. I was then notified that the case was closed.
Once again on the phone and now spoke with an account manager, XXXX. He said he was a boss.
I went through the entire scenario and XXXX, in a very condescending manner, assured me that if I do not send a copy of my identification then this matter will not proceed further. I told him this stupidity was preventing me from disputing the account.
In XXXX I spoke with XXXX who was a helpful as anyone. During the conversation he asked if I was disputing that the C-1 account was fraudulently opened? I told him no, that I was the one that opened it but it appears there was an account takeover.
XXXX said based on all of the notes he was reading of my situation was ( and has been ) being investigated as a fraudulent opening of the account, not an account takeover as I had been telling his cohorts all this time. I just about lost it!
I then began to question XXXX and how did the demographic 's of the account changed without any verification of the account holder.
Although he wouldn't provide the address, he did confirm that the address associated with my account was in XXXX, Michigan.
XXXX finally told me the demographics were verified based on a Michigan telephone number. NOT MY TELEPHONE NUMBER.
After being on hold forever, XXXX informed me of the copy of a photo identification was required. End of call.
Capital One is making it impossible for me to dispute any charges on my account in this account take-over situation.
As a side note, another credit card of mine was also the subject of an account take-over ( XXXX XXXX ) which, coincidentally reflected the same suspect address in XXXX, Michigan. I was able to successfully resolve this situation with XXXX XXXX as an account takeover and have since closed this account.
|
02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
In XX/XX/2021, Capital One offered to upgrade my Platinum Card to a Quicksilver Card. I accepted and they sent a new credit card. Before the new card arrived, I moved from an apartment on XX/XX/2021 to a house on XX/XX/2021. I forwarded my mail to the new address to be effective XX/XX/2021, as the apartment had locked mailboxes and I had to turn in my key that day. The new address has a mailbox on the street, typical home mailbox, not locked.
I did receive an email in XXXX from Capital One that my new card had been sent but I did not receive it before I moved. My account has XXXX cards, XXXX for myself and XXXX for my adult son. Each card has different credit limits, and both cards were getting upgraded to the QuickSilver version. The offer stated that the cards would be new and the type different, but the account number would be the same.
A day or so after I moved was XXXX XXXX weekend and I was home sick with XXXX. On Sunday, I received an email that morning about XXXX declined transactions on my sons card. I responded that I did not recognize those charges, and luckily with a much lower limit on the card, the transactions were declined for lack of open balance. I then checked my card transactions and saw a large transaction from the day before ( XX/XX/2021 ) at XXXX for {$670.00}. I immediately called Capital One and reported that transaction as fraud. Not only did I not make personally make that transaction, I was home sick and still had possession of the actual ( chip ) cards, so neither card had not been stolen.
Capital One removed the charges, and inactivated the cards, which were the Platinum ones, as I had not received the new QuickSilver cards. I explained at that time that I had not yet received the new cards, as the conversation included both card versions of the account, but I told them I had not received the new cards. I was told that they would now be sending out another set of cards because now my account number would be different.
I got a letter acknowledging my fraud claim. They investigated and put the charges back on my account about XXXX days later. The reason stated was because the card has a chip and was physically used in the XXXX store, so therefore I must have made the transaction, or someone I gave it to did. Standard practice Im sure. I persisted that I had still not received the initial set of cards sent out to me in XXXX.
However, I did then receive the new cards under a new account number, and when they arrived, I was amazed to see that the label on them stated that I did not need to activate them, as they were all set to use. Wow.
That then made me wonder if those first cards had gotten forwarded to my new address but someone got them and was able to use them immediately because they were activated. I communicated this to Capital One but of course I dont know if someone took them from the mailbox, but it was the only situation I could come up with knowing that I did not make those charges and still had possession of both cards. The XXXX charge and the other XXXX attempted charges ( at a gas station ) all took place in a very close radius from where I moved from and moved to. I only moved about a mile or so away.
I called Capital One many times over this. An early call told me to visit the store and ask for video, which I did. They told me to file a police report, which I did, and provided it to Capital One. After XXXX attempts to get video from XXXX management, they told me they could only provide it to law enforcement, but when they were contacted by law enforcement in the course of working my police report, they said there was no video available, although they never said that to me. XXXX also would not provide me a receipt of the transaction, although it was my card and was being made my responsibility. They also told me that the never check IDs, as if someone has the physical card, that is good enough. Over the last XXXX months, I have continued to talk to the fraud dept at Capital One and each time it is like it is my first call and I have to start all over again with laying out the story. More than once they have postured that I was then giving them new information they did have before and would reopen the claim but not once have I heard back from any of my calls then I call again and have to start all over again.
|
05/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Capital One fails to fairly investigate disputes filed with them. By failing to investigate disputes filed with them over purchases, Capital One is breaching its own agreement to its card holders. Time and time again, Capital One has failed to fully and fairly investigate claims, and has ruled in favor of the business when the business has submitted no proof, or the business has lied. Credit Cards are suppose to offer some protection to the holder over a Debit Card. But with Capital One - whether services are paid for and never rendered, or the product not delivered as promised, Capital One allows the business to keep the money.
I first filed a dispute after booking a hotel room two years ago. I made it to the room and found it uninhabitable and nothing like the pictures. The cabinets were peeling and hanging off the hinges, the room had roaches, dark smudges on the wall, filthy, heavily soiled, black carpet, and a bed that was broken. Capital one did not care. They refused to refund me. I offered to send Capital One pictures of the room and they refused to even consider them and the Capital One Dispute agent I spoke to was condescending, dismissive and rude. After I posted the room pictures publicly the hotel decided to refund me. If I had to rely on Capital One it would have allowed the hotel to keep my money. Now Capital One refuses to refund me for a XXXX XXXX trip I never took. XXXX XXXX pointed to its 'no refund ' policy when it responded to Capital One. However, XXXX XXXX does refund ( thereby breaching and nullifying its own terms and conditions ) and offered me a refund IF I sent them my Medical records. This was not in their policy.
XXXX XXXX in multiple responses on the XXXX XXXX website has been offering customers refunds IF they will forward Medical Records or other highly personal information which is NOT in their terms and conditions. I really don't know where to begin with this. Not only does XXXX XXXX breach their own policy on refunds they have made up entirely new policies that are not in their terms and conditions and that they failed to properly advise customers of - which is sending in medical records etc to be refunded.
I am filing the complaint now because of a transaction totaling {$57.00} with XXXX XXXX about two months ago. I booked the trip online because I could not find a rental. A few minutes after booking the trip I was able to book a rental. I could not reach XXXX XXXX because they were closed. As soon as they opened, I called them and explained to them I needed to cancel the trip XXXX XXXX demanded I send medical records to have my money refunded. I was shocked so I refused. XXXX XXXX then demanded I send my XXXX 's obituary because my stepfather had just died unexpectantly while in XXXX. I refused. No where in their policy did it state to get a refund one would have to send medical records or other personal information.
I filed a dispute with Capital One. Capital One allowed XXXX XXXX to take forever to respond. When XXXX XXXX finally responded, XXXX XXXX pointed to its no refund policy. However, XXXX XXXX lied. Again, XXXX XXXX does refund. XXXX XXXX demanded I Send over my personal medical records and or an obituary to them to get a refund. I refused. There's no telling who will be handling this info and my medical records are highly sensitive. After I filed a complaint with the XXXX XXXX XXXX XXXX XXXX wrote in once more demanding I send personal documentation to refund my money. Several other people had also publicly filed complaints and XXXX XXXX demanded their medical records and they were refunded once the records were sent.
Capital One was wrong to refuse to refund me because of a 'no refund ' policy XXXX XXXX doesn't even follow. XXXX XXXX has breached its own agreement. And I never took the trip. There is no reason Capital One should have allowed XXXX XXXX to keep my money. Also, it is nowhere in XXXX XXXX terms and conditions that people have to send Medical Records and other personal documents to be refunded. Yet XXXX XXXX is demanding this.
Capital One is not fairly arbitrating disputes at all. Capital One customers have no protection with their credit cards because Capital One will rule in favor of the Business regardless of merits or proof.
I give the CFPB permission to post this complaint publicly.
|
11/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
LEGAL PROCESS ON COLLECTIONS I XXXX XXXX, states on record with the Consumer Financial Protection Bureau that any transfer of debt ownership without proper true copy originality to prove ownership transfer, is hereby deemed a PHAMTOM DEBT. Any issuance of a collection against my personal history is therefore illegal where there is no standing in the jurisdictional courts of my domicile. The attached collection from XXXX XXXX XXXX is over XXXX years old, as not even the original Capital One Bank account is even posted on any of my credit bureaus. This collection is 100 % fraudulent and must be removed permanently Many illegal collection actions have been brought against collection agencies by the United States of America on behalf of the Federal Trade Commission. The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FDCPA, 15 U.S.C., 1692-1692p, which imposes duties upon debt collectors ; and the FCRA, 15, U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency or use information obtained from a consumer reporting agency.
Please be advised that I have a serious disagreement with information that remains on my personal credit profile, and most this dispute comes from the Fair Debt Collection Practices Act, otherwise known as Public Law 109-351 ( FDCPA 15 U.S.C. Sections 1692 ).
Pursuant to my rights under the Fair Debt Collection Practices Act, I request all the following items be forwarded to me within ten business days from your receipt of this dispute letter : I request a copy of any signed document of service pertaining to the above referenced debt service in which the obligation occurred.
I request notice of where any original signed contract or service agreement is located, of the person or persons responsible for the maintenance of any or all original documents, the contact phone numbers of said person ( s ), and the proper time of day during the week in which these individual ( s ) can be contacted.
Any false representations or deceptions pertaining to the validation process as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and all federal and state court decisions applicable to the enforcement of the FDCPA will be reported to the Attorney Generals Office of my home state.
Pursuant to Section 809 of the FDCPA, I request a copy of any 30-day notice of debt that must be sent to an alleged debtor to validate a debt. Only notices sent by certified mail will be accepted for a Mini-Miranda notice of debt service or an attempt to collect a debt. Notification by regular mail delivery of an alleged debt can be successfully disputed in any state court as verification of service is mandatory.
I request copies of any license or bonding that may be applicable to the above referenced ( creditor, servicer or collection agency ) to operate within the state I reside to procure debts of any nature.
The Federal legal definition of the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of a transaction are primarily for personal, family, or household purposes, whether such obligation has been reduced to judgment. However, all states have their own laws pertaining not only to what construes a debt and have very stringent guidelines as to how such debts were procured in original form, how they were assigned to either a servicer, another business or collection agency, or if such an assignment was handed to a properly licensed and/or bonded establishment under requirements of the General Law of said state.
I therefore dispute the posted collection and demand full true copy originality of ownership or assignment of collection responsibility. If validation is not connected, then the collection must be removed permanently. All FTC guidelines will be applied in my validation dispute.
DELETE ALL REFERENCES TO THIS AGENCY POSTED ON ANY PERTINENT CREDIT REPORT!!!
XXXX XXXX
|
02/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
I ordered a case of algae oil from an online company last year. They sent me a package that was damaged and they said they filed a claim to get my money back with XXXX. I have emails between XXXX that prove they didn't do this, although, the owner says this was done over and over.
Since I was out almost XXXX dollars, I waited for the claim to go through and since XXXX said the owner didn't do it, I filed a dispute with Capital One.
They have closed the account stating they find no error, taking none of the information I have supplied into account, including the fact that XXXX has confirmed that the shipper didn't file a claim. This is a clear and legitimate case for a dispute to be found in my favor and what Capital one is doing is not ethical or maybe not legal.
Here is the conversation with XXXX, they can't give me too much information since I am not the shipper but you will get the idea.
Dear XXXX, Thank you for your reply. I am sorry you still have problems with this package. But, I can't get you a supervisor for 2 reasons. One, you are the receiver of the package and Second, we don't handle investigations though this channel, any supervisor within this department will tell you the same exact information.
I have to apologize, e-mail is not a valid channel to open a Damage claim or Follow-up a Damage claim. Receiver 's are advised to contact the shipper and shipper 's are advised to contact the investigations department.
I hope this information is helpful and hope you can get the resolution you need to solve your legal concern.
Sincerely, XXXX XXXX.
XXXX Customer Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/2019 XXXX XXXX To : XXXX Subject : [ EXTERNAL ] Re : XXXX - Tracking/Tracking Information [ ref : XXXX : ref ] I need a supervisor, please. You are being evasive and this is now a legal concern, The shipper says she already sent the documents to you.
On XX/XX/2019, at XXXX XXXX, XXXX CUSTOMER SERVICE wrote : Dear XXXX, I apologize that I am unable to process your request for this matter. I would recommend that you let your shipper know about this request so that they could make the necessary arrangement to authorize this information.
Sincerely, XXXX XXXX.
XXXX Customer Support ref : XXXX : ref Dear XXXX, Thank you for your e-mail.
Due to confidentiality guidelines I am unable to provide claim information to a receiver or third party. XXXX finalizes all claims with the shipper. For information about this claim, please contact the person or company who shipped your package.
If the shipper has any questions about the claim, please ask them to contact us directly.
Sincerely, XXXX XXXX.
XXXX Customer Support ref : XXXX : ref Dear XXXX, Thank you for your email. I am sorry to know that the claim was not processed for this package. I checked the status of it and we still did not receive the paperworks from the shipper.
Sincerely, XXXX XXXX.
XXXX Customer Support ref : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX, and the XXXX XXXX are trademarks of XXXX XXXX XXXX XXXX XXXX XXXX XXXX All rights reserved.
All trademarks, trade names, or service marks that appear in connection with XXXX XXXX are the property of their respective owners.
XXXX monitors incoming and outgoing email communications, including the content of emails and attachments, for purposes of security, legal compliance, training, quality assurance and other purposes Dear XXXX, Your claim number XXXX has been refered to me for further review. Please note, I am a manager in the XXXX XXXX XXXX.
Attached are the docs used to make our decision about the dispute with XXXX XXXX XXXX XXXX for {$190.00}. Your dispute will remain closed as our investigation found no error occurred.
Regards, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One, N.A., Member FDIC. XXXX Capital One. All rights reserved.
*Note : Email is not a secured method of communication and Capital One makes no representations or warranties about the safety or security of any email you may send to us. Please ensure all personal information such as account numbers, social security numbers, etc. are removed from your response and/or documentation*
|
08/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
Around XX/XX/XXXX of 2019. XXXX XXXX offered a promotion to apply for a XXXX credit card and if approved I would receive {$200.00} statement credit on my cruise that was supposed to start on XX/XX/2019. So what I planned on doing at that moment was to ensured that exactly {$200.00} would be my balance on the cruise. So that way when my statement came and they applied the {$200.00} credit it would cover and leave a {$0.00} balance. I applied and was approved. Upon arriving on XXXX XXXX ship I requested that my Capital one card be removed and no charges to be filed to it. I explained that all charges should go to my XXXX credit card. Upon noticing a charge on my capital one I contacted XXXX XXXX customer services, They told me that the XXXX master card did not apply to my account and they couldn't add it to my cruise ship account. I showed them the advertised offer that I had screened shot. I spent countless hours in customer care. Customer care in the ship has a promotional Department who offer me an new promotion stating that they can cancel the previous card and have me reapply, then my credit card can apply to my ship account. I said no because that may affect my credit. I ask them how is it possible that they can obtain my master card and add it on the ship if I do the promotion with them but yet they cant add the current card and it is a XXXX card. A representative from the cruise customer care contacted XXXX and spoke to the supervisors at XXXX 's the supervisor at XXXX said I should be able to use the XXXX Mastercard within 24 hours. This did not happened. XXXX XXXX customer service manager called XXXX again and this time they were told that another department on the ship need to handle the matter. It continued like this to the point that it was too stressful. I advised them to fix it and charge XXXX card as permission has been revoked to charge any other card XXXX XXXX has on fire particularly capital one as i was paying interest. After this terrible experience I begun having more bad luck and poor serviced on the ship. Birthday cake not delivered on time to start my birthday celebration, not being seated in the room after my table was reserved, confusion with reservation. Cook walking out in the middle of our order because a customer in front of us upsetted him. Customer care placing us in the incorrect line while leaving the ship and causing us to miss an excursion. Customer care bulling my husbands XXXX XXXX XXXX card when they should not have we had to go back to customer care and have the charges removed. They initially lied that my husbands card was deleted from their files and upon seeing charges on it, it was shocking. They then claimed to remove the charges abd and delete it again. I spoke to customer care and wrote a letter before leaving the ship disputing any gratuities since gratuities are for good service provided. I would pay individuals deserving it. Customer service in the end charged gratuities to my capital one card, hence I asked capital one to dispute it. I send copies of my email to capital one showing them that i did communicate with customer care before leaving the ship. Capital one closed the case on XX/XX/2019..I called and they said the dispute was not correctly filed. They claim they have correctly filed it. I do not trust capital one or XXXX XXXX credit card company '. XXXX had no right charging my capital.one card anything because they were to charge any charges on the cruise to my zero interest XXXX card. Because they redused to add my XXXX card ws payment while on the cruise I got upset and decided not to incur a balance on the ship, secondly the only balance I could incur was the gratuity which I already disputed for the over all bad services and experience.. so I dont feel that my capital one card should have been charged $ XXXX..I would like for XXXX to explain themselves and reverse the charges off my capital one card for their false advertisement that offered me to save {$200.00} on the current cruise when that did not happen.
If XXXX refuses to comply Capital one need to send the charges back to the XXXX XXXX merchants as I provided email correspondence to capital one showing what was communicated to XXXX XXXX while on ship and screen shots of the promotion offered from XXXX to support my dispute.
|
08/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
On XX/XX/XXXX, XXXX I received a response from CapitalOne in reference to a dispute No. XXXX for a purchase that was made on XXXX/XXXXXXXXXXXX in the amount of {$1100.00} for two tickets to a XXXX XXXX concert scheduled on XX/XX/XXXX XXXX. Concert that has been postponed first by Covid-19 in XXXX, and then postpone 3 more times due to XXXX XXXX health .
In their first response to my dispute, on XX/XX/XXXX XXXX, CapitalOne alleges that according to their investigation, I only had 60 days after the purchase to make a dispute. Also, in their response XXXX. XXXX to my complaint with CFPB XXXX. XXXX, on XX/XX/XXXXXXXX CapitalOne kept sustaining its argument of the 60 days to make a dispute, and that this decision was based on the terms and conditions provided to me by the merchant.
I am not going to settle for this response from CapitalONe. CapitalOne is not even bothering and/or paying a serious and legitimate attention to this matter, and I am demanding that CapitalOne refund me my {$1100.00} for the following reasons : 1 ) In order for me to make a dispute as CapitalOne stated XXXX I had to dispute this purchase on or before XX/XX/XXXXXXXX On or before XXXX XXXXXXXX, I HAD NO REASONS TO DISPUTE this purchase. When I purchased these tickets on XX/XX/XXXX XXXX, and even on or before XX/XX/XXXX XXXX I had the FIRST GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXXXXXX Unfortunately, in XXXX, the whole world was shot down due to covid-19. Therefore, the concert was postponed to XX/XX/XXXX.
2 ) When traveling was allowed again, I had THE SECOND GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXX. Then, the concert was postponed to XX/XX/XXXX. This time due to XXXX XXXX health.
3 ) With no impediments, I had THE THIRD GOOD FAITH & INTENTION to assist to the concert on XX/XX/XXXX, but the concert was postponed for the 4th time to XX/XX/XXXX. Again, due to XXXX XXXX health.
4 ) In summary, 3 times, I had good faith & good intentions to assist to the concert in XXXX, and I had neither a reason nor any intention to make a dispute against this purchase. Nonetheless, make a dispute WITHIN 60 DAYS of purchase.
Any consumer protection law and any court of law in the world would agree with me that this act is a deceitful, unfair, and unlawful practice against my rights as consumer. CapitalOnes reason to deny this dispute under the 60 days and the terms and conditions of the merchant is baseless. The bases for this dispute should be : a ) Any event that is re-scheduled should require that re-performance should happen within a reasonable time and without significant inconvenience to the consumer. It has been 3 years, and the concert isnt happening.
b ) IT is obvious and clear that the longer the delay, the greater the risk that : The event will never happen for some reason. Somehow this concert has not been cancelled in XXXX ( in USA was cancelled ) because once cancelled the promoter has to refund the money. There is a chance that the promoter may become insolvent and unable to refund ; therefore, dragging the concert with these postponing dates forever until we cant dispute the refund any longer.
That the event will be different in a significant way. It is already happening by changing the date/year to a date/year making it difficult for me to assist, and/or I will be XXXX XXXX XXXX next year when the concert is postponed, and my health and financial circumstances had changed considerably in 3 years. This money is tied up in these tickets. I can use this money in more relevant and necessary purchases, and/or There is moral issue. The desire to assist to this concert doesnt longer exists. For 3 times and for 3 years, I had good faith and good intentions to assist. Enough is enough.
I will NOT stop until CapitalOne and all of the government agencies related to consumer protection pays attention to my case. I make CapitalOne responsible because I trusted CapitalOne with my purchase, and the protection it promises against these malicious merchants. CapitalOne has a fiduciary and financial responsibility to me. CapitalOne/Visa has the power I dont have to pursuit these merchants. There is only one thing I can do for sure, I will continue complaining and pursuing in whatever lawful way is available to get my money back. It is the only fair solution.
|
12/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
Transaction XXXX {$57.00} Date XX/XX/2021 Product wigs What happened Statement : I ordered XXXX wigs off of XXXX They had a special buy XXXX get XXXX free. I will attach photos in the email below. I made an order on XX/XX/XXXX and received the order on XX/XX/XXXX. Before ordering I looked at the refund policy ( photos below ) just in case they sent something bogus. After all the email discussion you will see the scammers attempt to give me a partial refund. They then mentioned that I had to pay for customs etc. Nothing is mentioned on the website and on the label it said to return to an address in XXXX, CA. I wrote the return to the sender on the label and put it in my mailbox on XX/XX/2021 for the postman to take so I have no proof of returning the package. I mentioned that if they get it they do but if they do not it is not my problem as they already knew they didn't have these wigs and sent them anyway. They had more than enough time to take pictures and send via email to ask if I wanted these wigs to avoid the customs issue. These people are scammers taking consumers ' money and sending bad products. This is not what I paid for and I will not accept it. I have everything below anything else please email or call What did I do I XXXX contacted the merchant to let them know they made a mistake with what they sent me as this was not what I ordered. They then begin to toy with me in email. Eventually they told me I had to send the package back to XXXX, however, there was nothing mentioned in the refund policy online and it does not state that they are in XXXX. I informed that I would do a return to sender and that the company will be responsible for getting the products back from the address they have on package. Return to sender does not require a tracking label as the merchant failed to send a label. I contacted them for a full refund and when they refused I contacted my bank. I sent photos of the wigs from the site and what they sent.
Results Contacted Capital One regarding the dispute, they denied the claim 3 times as the merchant did not send any of the products I asked for. Capital One completely ignored the evidence I sent and also are not protecting consumer deposit accounts from scammers. They literally allowed this company to send me bogus products and take my money. They also allowed this company to toy with me and lead me to believe this was to be sent to a US address. I sent a photo of return to sender and Capital One completely ignored anything I sent as far as evidence for claim.
Transaction XXXX XXXX {$89.00} Date XX/XX/2021 Product Workout plan and Meal plan What happened Signed up for the heat challenge on XX/XX/XXXX and since there was a meal plan involved I was excited. The meal plan only had XXXX meals XXXX for breakfast XXXX for lunch and XXXX for dinner however there was to be options to be switched out. I completely had no options, so I thought something was wrong with my meal plan. I sent emails starting on XX/XX/XXXX asking what I needed to do as I did the questionnaire prior to the challenge for the meal plan as instructions stated. On XX/XX/XXXX they responded that they would fix my meal plan and they never sent anything letting me know what to eat as they mentioned with their advertisement. For this challenge you win money if you have results, my goal was to win the money for this challenge. I wanted to eat what they suggested to have the best results and after asking over 2 weeks have XXXX option to choose from for dinner and that was broccoli.
On the XXXX of XXXX I asked for a better plan or a refund. On the XXXX they responded to let them know what good choices I didn't want on the menu. I responded to foods I did not want. Hoping the following Monday they would send me my meal plan, I never received anything. After waiting XXXX additional days I asked for a refund. I have not heard back from anyone after they informed me that they would send a meal plan.
Results Capital One did not investigate the claim at all. They just said we will look into it and thats it. I stated the company failed to provide a service and promoted false advertisement. In multiple emails I expressed this and they continued to deny my claim. They basically are allowing merchants to take consumers money and nor deliver on their part of the agreement.
|
12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
There are three charges, all related to the same service, {$250.00} deposit, and two charges to move my property from one apartment to another, {$1900.00} and {$2300.00}.
I hired XXXX XXXX to move my goods from one apartment to another. I worked with the owner of the company who assured me that they are a quality and reputable company that can reliably and safely conduct my move. That was further from the truth. The company damaged and broke thousands of dollars worth of my belongings. The owner assured me that they would repair/replace everything that was damaged or broken. 90 days later the company has not fixed or replaced anything. I also have not heard from the moving company since XX/XX/XXXX. I initiated a dispute with Capital One to get the money back for the move to use that money to fix and replace all of the damaged goods. There is XXXX pushback from the movers that they did in fact damage and break thousands of dollars in goods. They admit that and I have in writing that they will resolve it, but as I mentioned, 90 days later they have not.
Words can not even describe the horrible dispute process with Capital One. They send me endless denial emails because I " didn't send the required/requested information ''. When I call to find out what they need, they can not help me with specifics. We are going around in circles for months. I've spent endless hours on the phone with Capital One and I have proof of the call records. Capital One is not complying with consumer protection laws. They tell me I didn't submit what they need but they can not tell me what they need. My dispute is real. I have all of the evidence and I finally have to resort to a CFPB complaint to get Capital One to communicate effectively and to get this resolved.
Below is a letter I wrote Capital One after endless back-and-forth communication about my dispute.
I am writing to provide additional details and to appeal the decision regarding my ongoing dispute with XXXX XXXX, referenced above.
On XX/XX/2023, I encountered an issue with XXXX XXXX which remains unresolved as of XX/XX/2023, approximately 89 days later. Despite my efforts, including multiple emails since XX/XX/2023, XXXX XXXX has failed to communicate or rectify the situation. This lack of response and action suggests an unwillingness to resolve the issue.
Key Evidence Provided : Email correspondences requesting XXXX to detail their submission to insurance, which went unanswered.
Documentation showing the absence of any repairman sent by XXXX to fix the damaged items.
Evidence highlighting XXXX communication from XXXX XXXX since XX/XX/2023.
Capital Ones previous letter stated, The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition.
Contrary to the information provided by XXXX XXXX, the goods were not received in good condition. This is evident from the admission of fault by XXXX XXXX in the document you provided, where they state, Due to imperfections of the loading dock at the desired location some of XXXX XXXX 's belongings were damaged.
Given the substantial evidence I have provided, which includes XXXX XXXX 's own admission of fault, I request that Capital One reevaluate this dispute. The lack of substantial evidence from XXXX XXXX and their acknowledgment of the issue strongly supports my claim.
Additional information requested by Capital One : Provide the date and proof of canceled services or returned merchandise/installed parts, or the date merchandise was made available for pick-up.
o This does not apply to my dispute.
A copy of your sales invoice or purchase agreement/contract, including evidence to support how the service you ordered is different than what you received.
o This has already been submitted ; please review all documentation I have already submitted.
A refund voucher or other documentation ( if you received any ) supporting your claim that a credit is due to your Capital One account.
o This does not apply to my dispute.
As a consumer, I believe my rights have been overlooked in this dispute. I urge Capital One to act in accordance with fair consumer practices and reverse the charge in question.
I look forward to your timely response and a favorable resolution to this matter.
|
09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
I'm contacting you before I contact Capital One because I strongly suspect that this issue does not only affect me. It also involves the transfer of an account between XXXX banks, so it's not clear to me which entity caused the original problem that led to the overcharges.
I have had an XXXXbranded credit card through XXXX Bank XXXX XXXX early XXXX. We paid off the balance on this card every month. In XXXX, XXXX transferred their branded credit card program to Capital One.
We did not receive a statement for the period covering the transition from about XX/XX/XXXX to XX/XX/XXXX.
Instead, we just received a bill with a late fee and interest charges dated XX/XX/XXXX that claims we missed a payment on XX/XX/XXXX, when we never got a statement showing an amount due on that date, or any statement showing any activity in XXXX when we last used the card, and made a payment on it.
Here is a chronology : XXXX XXXX : We were notified of this change of banks. We were assured throughout this transition that there would be ample time to make payments and not to worry if we didn't receive new cards or statements right away, as it could take into XXXX for all the accounts to finish transferring. We were told that we needed to make sure we had all of the statements we needed from XXXX Bank because we'd lose access to them after the transfer.
Late XXXX : We paid the Last Statement Balance of {$3400.00} for the statement from XXXX Bank dated XX/XX/XXXX. Our checking account shows that this payment was withdrawn on XX/XX/XXXX, the due date for the payment.
XXXX XXXX : The accounts were transferred from XX/XX/XXXX - XXXX with an effective date of XX/XX/XXXX.
At some point after we made our last payment to XXXX Bank, the XXXX Credit Card disappeared from our online XXXX Bank account. We don't check every day so can't get more precise than that.
We were not sent a closing statement from XXXX Bank. We were also not sent a new statement from Capital One covering this time period.
Because the card was in transition and we weren't getting statements yet, we did not use the card at all in the month of XXXX ( except for a {$3.00} autopay that I didn't realize was tied to that account ).
Late XXXX : I still had not receive a statement in XXXX showing that our final XXXX payment had been credited, or any new charges I had made from either XXXX Bank or Capital One. I never received an itemized statement of the charges and payments in XXXX from either bank.
I checked the web site for the transition, and they just said we would receive new cards in XXXX and that the transition might take a little time. They also invited us to set up a new online account for Capital One.
But our intention was to pay off the balance in full, and then just stop using the card, as the terms offered were not as favorable as they were under XXXX Bank. We did not want to create an online account for a bank we had no intention of using after making this last payment.
I had the funds available to pay off the balance in full when it would have been due at the end of XXXX, and that was my intention.
XXXX XXXX : The day after XXXX XXXX, I wrote to my business attorney to ask him if I should be concerned about the lack of a statement about a week ago, and he told me to give it a little more time.
Today, I received my first statement -- for XXXX. It even had a " Guide to Your New Statement '' cover sheet, which I've included in the attached file.
This statement does not have the missing transactions or the payment we made in late XXXX. It only has a balance forward.
It also has a {$29.00} late fee and over {$200.00} of interest on it.
I have no way to verify that the charges included in this balance are all indeed my charges or check for unauthorized use of the card from the time my statement closed on XX/XX/2022 and the date of the new statement, which covers the time from XX/XX/XXXX- XX/XX/XXXX. I have no record that my payment on XX/XX/XXXX was credited properly against this account.
Finally, all of our mail goes to a secure XXXX XXXX XXXX that gets checked regularly whether we are in town or not, and we have not had any other expected mail go missing. We have received other mail from Capital One related to this account transfer so we know they have our correct mailing address.
|
03/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You, Capital One Auto Finance are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As Defined by the IRS The IRS Clearly defies a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file 1099-C and send you copy if the amount of the debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you Filed the account as a cancelled debt. You have my address on file and have corresponded with me multiple times but never to resolve the matter at hand.
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In conclusion I have sent this notice to Capital One CEO XXXX XXXX on XX/XX/XXXX via email and certified mail and you have sent me a letter dated responding that the information is correct but no 1099-C or removal of account. You have been put on notice many times that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my consumer report.
Because you are still reporting this inaccurate information and have not sent me my 1099-C to submit on my taxes since I requested back on XX/XX/XXXX lets me know you have either written this debt off as a loss so therefore the account should not be a charge-off or you are purposely reporting inaccurate information and if so its reporting inaccurately regardless and needs to be DELETED.
You are now in violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or You have 5 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
|
04/19/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
Letter Sent to Kohl 's on XX/XX/XXXX To Whom It May Concern : I am writing urgently concerning a late and delinquent charge that was reported to the credit bureaus without my knowledge.
As mentioned above, I have been a loyal Kohls card holder since XX/XX/XXXX and setup my auto payment information last year as I do with all my credit card accounts. I always pay on time as you can review my payment history to verify, and in general I pay all my bills via autopay so I am never late. I had no reason to believe I even had an outstanding balance on my Kohls card. I never received an email, correspondence thru the mail, or a phone call to alert me something was wrong. The only way I knew my credit was affected was thru my credit monitoring service that alerted me two negative/late items were reported. I then called Kohls credit card customer service on XX/XX/XXXX to inquire what exactly happened. The representative told me it looked like my auto payment was not setup properly and he was not sure why. He had to transfer me to another department to set it up again. I paid the outstanding balance yesterday, XX/XX/XXXX as well. My argument here is, that I did my part when my account was opened last year to update my payment information and enroll in autopay, and payments have always been timely. It is no fault of my own that the payment was not collected timely by Kohls credit.
I am requesting the derogatory items from all three credit reports be removed immediately. I have attached a copy of the credit report pages that indicate the negative items. Please contact me by phone xxx-xxx-xxxx or in writing at xxxxxxxx on the status and resolution of this issue.
Please note, that the same letter was mailed to Kohls credit administrator and Kohls corporate. All the credit reports were attached with the letter that went to Kohls credit only.
Online disputes were submitted by me to XXXX on XX/XX/XXXX and XX/XX/XXXX have been closed by them. The late payments were not removed. Written disputes/late payment removal requests have been mailed on XX/XX/XXXX via certified mail/return receipt. Here is what was written in the letter to the credit bureaus : RE : Disputing Late Payment on Credit Report and Requesting Removal of Late Payment by Kohls Credit Card, Acct # XXXX XX/XX/XXXX To Whom It May Concern ( XXXX, XXXX, XXXX ) : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains one late payment of {$37.00} reported on XX/XX/XXXX in my name on my Kohls Credit Card account.
I want you to know that I understand my financial obligations, and per my payment history, I have never been late on any of my accounts with 100 % rating of on-time payments with all 3 credit bureaus and creditors. I tried to rectify the late payment issue with Kohls by sending them a letter and calling their customer service department questioning why they made a late payment remark on my credit report when I have always been enrolled in automatic payments with them and all of my creditors. Kohls never sent me any letters in writing or via email to notify me of the late payment issues. I had to find out through a credit monitoring service that I use to alert me about this. I have been a victim of identity theft in the past, and I am extremely diligent in paying all my debts on time and securing my financial and personal information. Additionally, Kohls claims they were not able to see why the automatic payment did not work and will not take accountability for this at all. It is obvious Kohls had a systems issue and do not hold themselves accountable for this error. Kohls refuses to remove the late payment. Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could make a goodwill adjustment to remove the one late payment for {$37.00} submitted by Kohls on XX/XX/XXXX and XXXX, XXXX. As a current frontline employee at XXXX XXXX XXXX, Military Spouse of a Veteran, and Mother to an XXXX XXXX XXXX in the XXXX XXXX, I thank you for your consideration, and I hope youll approve my request.
Best, Kohl 's credit card holder
|
09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Date : XXXX XXXX I'm filling a complaint in accordance with Capital one and Third-party debt collector on behalf of capital one XXXX & XXXX XXXX On XX/XX/2021, I received a summons from XXXX XXXX XXXX. My spouse signed these papers. As soon as I became aware that I was being sued for debt collection, I filed a response with the Court on XX/XX/2021 While awaiting for the court to approve my fee waived application, I faxed over the letter and mail a certified letter ( XXXX XXXX ) to Attorney Office requested a debt validation and forensic audit as I disputed the amount that was claimed by capital one and attorney 's office that file lawsuit.
I have also tried to resolve this problem and have made it clear to them that I would rather avoid a long court process and the high costs associated with it.
On XX/XX/2021, I called XXXX XXXX XXXX and spoke with my case manager ( File No. XXXX, XXXX ) .I explained to her my financial site that I am unemployed, raising XXXX small children, one income with multiple debts owed to other creditors and that I am considering chapter XXXX if we can't come to an agreement with a settlement offer. I then again reminded her that I sent the letter requesting a debt validation and forensic accounting as I denied the amount {$XXXX}. She confirmed to receive the letter and will request it from capital one.
On XXXX XXXX I called the office again as I am now upset that I did not receive debt validation, but only a generic cover letter from capital one stating thank for getting hold of them and another letter ( 1 page ) dated XXXX XXXX from XXXX XXXX XXXX stating that " the client has made a good faith determination that the information does not establish that a valid dispute exists.
I recited the case manager that the information I receive is not debt validation and I am entitled to the document and not just cover letter stating that I should accept and believe that it's valid and take their word and there are discrepancies of {XXXX}.
She was rude and upset that I demand the debt validation. And twisted my words stated I should of requested the document which I did via certified mail and phone call on XXXX XXXX.
I told her it's her job to know the terms of debt validation. I made another attempt to resolve this issue and ask for settlement and avoid this stressful process. She went on to say that she could not even begin to negotiate or make an offer unless I admitted and accepted that I owed {$XXXX}. And now I have to wait for the documentation.
I responded NO its wrong amount to my best knowledge and stated its strange how she now refused to even get an offer when she did previously on the phone for {$XXXX}. Nor did she give me a proper document. She told me I had to wait and refused to talk about it.
On XX/XX/2021, the Court appointed the arbitrator, the Recusal was on XX/XX/2021, and the alternate arbitrator was appointed on XX/XX/2021.
XXXX XXXX, I called capital one informing them that I can't get through the law office that collecting the debt and they refused to negotiate or settle this issue. I told them about the arbitrator and the gentleman said that they could not make an offer because it would be a double settlement. I then asked a question about the arbitration process. He is not aware of this and is not familiar.
Right afterward, I contacted case manager and again asked her about the arbitration court and ask if we can settle or she can't because now court move forward with arbitration. She acted as if the office had not received the same 3 letters that I received from the court with regard to this. She then put me on hold and the call was disconnected before I even had a chance to ask questions about the debt validation document again. She never calls back.
I have made numerous attempts to address this issue and I feel that the plaintiff ( XXXX XXXX XXXX ) is breaching the duty of good faith and fair dealing as well as manipulation.I have attempted to take care of this debt in a fair way, but they have not been fair or honest with the process and with me. I too feel that the plaintiff intentionally drags this issue longer to where we are not unable to solve this prior arbitration and will cost more money. I have not received anything I requested or able to go over it with them and capital one.
|
05/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
I have had a mortgage and HELOC with XXXX XXXX since XXXX XXXX and have always paid on time and never missed a payment. During this time I have completed a Rate Rene wal 3 or 4 times - back in XXXX XXXX I completed another Rate Renewal which is like an internal refinance where I can pay a fee equivalent to one month 's mortgage payment and lock in the current market interest rate for a fixed pe riod of 5 or 7 years. At the time my mortgage payment was {$720.00} ( principle & interest only ) with an i nterest rate of 2.75 %. My rate renewal offer during XXXX XXXX was to pay a fee of {$720.00} ( my then mortgage payment ) and lock in an interest rate of 2.875 % effective XXXX / XXXX / XXXX for 5 years and lower my payment to {$710.00} effective XXXX / XXXX / XXXX . On XXXX / XXXX / XXXX I paid my mortgage early for XXXX XXXX . The next day I logged back in online to complete m y Rate Renewal however the system now was showing that my interest rate had changed to 4.00 % effective XXXX / XXXX / XXXX XXXX XXXX XXXX ) and my payment increased to {$790.00}. This happened because I paid my XXXX XXXX early ( on XXXX / XXXX / XXXX ) and the Capital One online system showed I now only owe for the period of XXXX XXXX therefore when I looked at my Rate Renewal offer it had changed from the day before ( again, b/c I paid XXXX XXXX early ; so I 'm being penalized for being a great customer and paying early ). The offer was now I had to pay {$790.00} for the Rate Renewal f ee and the interest rate of 2.875 % would n't take effect until XXXX / XXXX / XXXX and the lower payment of {$710.00} would take effect XXXX / XXXX / XXXX . I called numerous times into customer service to complain about this issue and question why th e Rate Renewal o ffer changed just because I paid the XXXX XXXX payment on XXXX / XXXX / XXXX . I always heard some version of well that 's how the online system is applying it and I 've expressed that it is wrong and needs an override because I 'm being penalized for paying my mortgage early on XXXX / XXXX / XXXX . Early in XXXX XXXX I spoke with a supervisor named XXXX XXXX at phone number XXXX , his operator ID is # XXXX . Then on XXXX / XXXX / XXXX I received a call from XXXX XXXX from the Office of the President at phone nu mber XXXX extension XXXX . To each of them I 've expressed my dissatisfaction with the situation and expressed how I received a letter from Capital One dated XXXX / XXXX / XXXX where they refunded me {$62.00} which is the difference in the Rate Renewal fee of {$790.00} ( what I paid ) and {$720.00} ( my then mortgage payment for XXXX & XXXX XXXX XXXX which should have been the Rate Renewal fee I paid from the beginning because I submitted my Rate Renewal in XXXX XXXX so the correct interest rate of 2.875 % should be effective XXXX / XXXX / XXXX and the lower payment of {$710.00} would have started with my XXXX / XXXX / XXXX payment. However, because I 'm being penalized for being a great and loyal customer and paying my mortgage early on XXXX / XXXX / XXXX the interest rate went up to 4.00 % and my payment for XXXX XXXX was {$790.00 } ( which I paid ). I 've repeatedly asked Capital One to adjust my payments based on the same principle of why they refunded me the difference in the Rate Renewal f ee in XXXX XXXX . So the resolution I 'd like to see with Capital One and what I 'm asking the CFPB to assist me with is this : I paid {$790.00} for XXXX XXXX , the principle and interest breakdown for this month should be based on the {$710.00} payment and the difference of {$790.00} and {$710.00} ( {$77.00} ) should be applied to only principle and my payments from there on out ( XXXX XXXX to present ) should also be adjusted based on the updated principle balance after each payment and the payments I 've made each month of {$710.00} since then. Capital One had a class-action lawsuit settled against them in the past for their Rate Renewal practi ces and they 're back at it again. I 'm concerned how many other hard-working customers have fallen victim and have been taken advantage of like myself. Please feel free to contact me if you have any questions and thank you very much for your help in this matter.
|
01/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I contact Captial One first back in XX/XX/XXXX when I found out that I had late payment reporting on my credit. I wrote a Good-will letter in XXXX of XXXX asking for a good will gesture. I received a corespondent back on XX/XX/XXXX stating that The Fair Act requires them to report the account history accurately, and that they are unable to change their reporting on a courtesy basis. However as a courtesy Captial One has increased my credit line twice in XXXX without me asking for an increase because of my great payment history. I called on XX/XX/XXXX and spoke with one of there customers services rep, I explained to him that I am trying to purchase a home and that I just became aware recently of these late payment. I also explained to him my financial hardship and regards to those late payment. It is really taking a toll on me and causing me a lot of less. I am asking for late payments from XXXX and one from XXXX to be remove to purchase a home for my family. These four late payment should not cause me this much stress but they are because it is affecting my credit score. I pay my account on time every month. I pay more then the minimum due and I still can't seem to get any assistance on this matter. I received a called on XX/XX/XXXX from Capital one the representative stated that the call was to tell me that they received my email and the back office is still working on it. He stated that it take about 10 day and the 10th day would be XX/XX/XXXX .The email I sent was to the XXXX XXXX XXXX XXXX XX/XX/XXXX. While on the phone I began to ask the representative what else do I need to do because, I am trying to purchase a home and these late remarks from XXXX and XXXX are not allowing me to move forward with my home buying process. This is really causing me a lot of XXXX because I am unable to move forward because it is affecting my credit score and has a derogatory mark. I also do not understanding how as a consumer Captial One felt that I deserve not one but two credit line increase in the same year. But me having a late payment remove due to having a financial hardship at the time is not a good enough reason to be giving a good will gesture. The representative responded by saying that they only approve good will gesture if you had a financial hardship and that the previous representative didn't ask me the questions to see if I qualify. Ok so now I am confused because how can he create a case, Capital One call me about the email and case and now you telling me the previous person didn't do their job. The representative started asking questions his first question was when was the late payment. I stated XX/XX/XXXX, he then goes to tell me that they don't removed anything prior to XX/XX/XXXX and that this is their policy. I asked to have that send over to me in a email and of course didn't receive anything. I also searched on the XXXX for a policy because he stated this is their policy. I found that its stated that Captial One doesn't have a goodwill policy. I tell the rep that it stated that they don't have a good will policy and that I would like to speak to his supervisor he of course said that he is the supervisor. I stated everyone has someone over them and can he transfer me. He stated that I would have to call back so I did. I spoke with another representative I told her that I was talking to someone prior about removing late payments on a good-will gesture she asked the dates I told her. Not once did she say that they don't do goodwill gesture before XXXX. So the previous representative lied which I knew already but why. I am just trying to fix my credit, I make on time payments I pay more then the minimum balance and I am in the process of buying a home. She asked my what was the reason for the late payment I told her financial hardship. She then told me that that does not qualify as a hardship so they won't be able to remove them. At this point I am seeking to file a litigation because I am not getting any help in this matter.I have been lied to and as a Consumer I have rights and I know the law 15 USC 1666b. It's really disheartening to know that a company can reward you for your previous actions as far as a good paying Consumer but hold your past mistakes against you when all I am trying to do is move forward in life. I feel that
|
10/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
To Whom This May Concern, I am submitting a formal complaint against Capital One Bank for their inefficient and mishandling of my card dispute. I was a victim of card fraud when I noticed on my bank transactions an ATM withdrawal of {$110.00} cents on XX/XX/2021 and another one for {$140.00} cents on XX/XX/2021. I immediately checked to see if my card was in my wallet, because I had just come back from a trip to XXXX on XX/XX/XXXX, and it was. I called my bank to report the charges and request a new card which I had done a few times before in different situations without issue. They told me they would get back to me after investigating and to wait for my new card to be shipped out while they locked my account like always. I cut up my card and threw it away without a second thought, because I thought the situation would be easily resolved. To my surprise, I received an email that my claim had been denied because apparently there was a chip present at the time of the withdrawal which I know is not possible, because I had my card on me and I never withdrew at an ATM. I called my bank again to request copies of the documents used to make this decision as the email directed me to, but the representative wasnt even familiar with my case. I asked to speak with whoever was in charge of investigations so that I could try to offer insight or understand what was being done to investigate. I thought any reasonable person could look at my case and see that it was obviously fraud considering that its not even possible to withdraw the amounts {$110.00} cents and {$140.00} cents from an ATM. I know for a fact you can not get XXXX cents from an ATM which I told the representative and they said they would make a note of it. I also explained that the transactions didnt have a location of the ATM like it normally does on every transaction, which I found suspicious. All the representative could do was offer to open the dispute again, because there is no direct number to investigations. They gave me an email to send proof that I was in XXXX at the time of the incident which I did submit pictures to, but I never got a response or even an acknowledgment that it was received. It was highly frustrating that there was nothing I could do but wait for that email that my claim had just been denied again with no correspondence before that. I called again and waited for this new representative to read over my case only to find out that there was never any notes written down in my file and no email from me, even though I sent one. The representative never sent me copies of the documents, but told me that the ATM was conveniently also in XXXX and that it wasnt a Capital One ATM, so there were no cameras. They offered to escalate my dispute for the third time and have someone from investigations contact me by phone and email only after I demanded, but no one ever did. I only got the same email that my claim was denied again. No new information, just the same email as every other time. The extents that Ive had to go to just short of going to the police to pull security camera footage of this mystery ATM just to prove it wasnt me, when they cant even properly prove that it was. The fact that something like this can happen just goes to show how nonsecure this bank is. I never got a warning of potential fraud or a notice of suspicious activity. If I hadnt checked, I would have just lost nearly {$300.00}. I have been a loyal customer for five years and they couldve easily looked at my history and seen that I have rarely withdrawn cash at an ATM. Throughout this whole process, I have been passed around from representative to representative and given no real answers. I shouldnt have to go to these lengths including direct messaging the customer service team on XXXX, disputing three times, filing a complaint with Capital One, and filing a complaint with the CFPB just so someone would take me and my case seriously. It has been more than a month since the incident. I wouldnt even be dragging this on or making a huge deal if I wasnt 100 % sure I did not make that withdrawal. Im not sure who did, but I depended on this bank to protect me and not totally neglect me. Needless to say, I will be finding another bank and closing all my accounts with Capital One due to their incompetence.
|
01/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American |
On XX/XX/XXXX I Transferred {$10000.00} from my Capital One bank N.A. in the USA to my bank in XXXX. After checking my online bank in XXXX many times and finding the money had not arrived I called the Capital One Bank on XX/XX/XXXX to report that the money had not arrived. I explained the situation and they opened up a dispute case for me # XXXX.
I have transferred money to my bank in XXXX many times before from this bank and account and never had a problem.
On XX/XX/XXXX I received a letter from Capital One bank dated XX/XX/XXXX saying they were working on my claim and to fill out an attached form titled Written Statement of Unauthorized Debit ( ACH ). Requesting I fill it out and return it by mail or fax. I faxed it to them on XX/XX/XXXX On XX/XX/XXXX I called the XXXX XXXX XXXX in New York and spoke to XXXX XXXX she told me that they returned the money to Capital One on XX/XX/XXXX because it did not have an IAT code, she gave me the trace code number XXXX.
I then called the Capital One bank and gave them the trace number, I asked the person I spoke to if he could input the trace number and tell me where my money is, he said he could only input the number into my file and forward it to the investigators.
Over the next week I called every few days to get an update and all I got was they dont know where my money is, on XX/XX/XXXX I spoke to XXXX from the customer protection department she said I should call the XXXX XXXX in New York and start a dispute.
On XX/XX/XXXX I called XXXX XXXX in New York to see if they could help me, XXXX XXXX said she would call the company they use to return the money. She called me back and said they confirmed the trace number and that they had sent the money back to Capital One on XX/XX/XXXX. She said she had also called Capital One bank and gave them the information ( which I had already given them on XXXX ). She Said I should call them and gave me the number she had used to call them. I called them and spoke to XXXX ; we then had a 3-way phone call with XXXX from Capital One, XXXX XXXX from XXXX XXXX in New York and myself. XXXX XXXX gave XXXX all the information regarding the ACH return and trace number from XX/XX/XXXX. XXXX said she was creating a request for the back room people to track down the returned money, she said they had 7 days to do it, but they usually do it in a few days. I said to XXXX, so I should see the money in my account by next Friday she said yes.
I called Capital One on XX/XX/XXXX I spoke to XXXX, I asked to speak to XXXX from the ACH department but he said he was unable to do that. All he could do was look at my file and tell me they still did no know where my money was. He gave me the Capital One outgoing trace number XXXX he suggested I give it to the XXXX XXXX in New York to see if they can trace it I told him that they had already sent the money back. He said he could see the outgoing trace number XXXX somewhere in a large ACH warehouse but could not give me any further info.
On XX/XX/XXXX I spoke to XXXX XXXX and told he my situation and she said she would call Capital One bank again. Meanwhile I called Capital One bank and spoke to four different customer service people and finally a man named XXXX, I spent over an hour on the phone with him while he conferred with various people in the ACH and back end groups. He told me he could see the money had been returned but couldnt figure out why it wasnt in my account. He said he would call me back but I did not get a call. Later on XXXX XXXX from the XXXX XXXX in New York called me and told me she had talked to the Capital One bank ACH people and had faxed them some information they asked for.
On XX/XX/XXXX I called Capital One bank again and I spoke to XXXX, again he did not have anymore news for me, I asked him if there was any mention of the fax in my notes and he said no. He assured me they were still working on my case.
To summarize ; on XX/XX/XXXX, I Transferred {$10000.00} from my Capital One bank in the USA to my bank in XXXX. Capital One outgoing trace number XXXX.
On XX/XX/XXXX ; XXXX XXXX in New York sent the money back to Capital One, because it did not have an IAT format code. The return trace code number was XXXX. The money never left the USA. I still do not have the {$10000.00} back in my account.
|
05/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
This complaint is against Capital One. I spoke to a company called XXXX XXXX ( also goes by XXXX ) regarding a weight loss program that they offer on XX/XX/22. They persuaded me to sign the contract while on the phone with them by telling me I was getting a special deal, and that I could get a full refund if the program did not work for me, and thus I did not have sufficient time to fully review the contract details, nor did I see the " No Cancellation '' clause because I was rushed and led to believing this was a risk free offer. I tried to contact XXXX XXXX several times to cancel within XXXX hours after I signed this contract and paid. However I received no confirmation and could not get anyone to confirm that they will cancel. I sent emails to every email address I had for this company ( see attached ). I filed a dispute with Capital One on XX/XX/22, the very same day, for the {$1900.00} charge that I received from XXXX XXXX, and asked them not to pay the charge, as I was trying to cancel and unable to get confirmation from XXXX XXXX that they would cancel.
Capital One advised me to call back in 3 days, and file the dispute at that time. I called back on XX/XX/22 and started a dispute on this charge with Capital One. Capital One first credited me the charge on XX/XX/22 while the dispute was in progress, but then contacted me again on XX/XX/22 requesting additional information. The merchant showed Capital One the signed contract, and Capital One wanted proof that the merchant would agree to cancel the contract. Of course if I had proof that the merchant was willing to cancel, then I would not have reached out to Capital One for help. The merchant would not provide any such confirmation.
On XX/XX/22 I provided Capital One all of the attachments that I have attached in this complaint, showing many emails that I sent to XXXX XXXX on the very same day that I signed this contract, requesting to immediately cancel and void the contract, and requesting to not send me any products or services. I also provided Capital One with a full detailed description of the events that occurred ; that document is also attached here. On the very same day that I sent this information to Capital One, XX/XX/22, they made a decision and sent me a message stating that they can not assist with my claim because I could not provide confirmation from the merchant that they would allow cancellation. Ofcourse the merchant is not allowing cancellation, this is the reason I involved Capital One! All of the emails that I sent to Capital One, and the fact that I alerted Capital One the very same day that the charge was initiated, were not considered in my dispute. I feel that Capital One did not thoroughly investigate my complaint, nor read through the timeline of events, and emails that I provided. On XX/XX/22 I called Capital One and spoke to the disputes department on the phone for over an hour, however they were not able to help me. The dispute department did not seem to be based in the USA. I told Capital One, that the fact alone, that I received nothing from XXXX XXXX should be enough to credit me my funds. But they still did not help. I also told Capital One that a signed contract in New Jersey can usually be cancelled and voided within 3 days, but they did not seem to understand this law. I feel that the people I spoke to at Capital One were not from the USA, and did not understand USA laws.
At this point Capital One told me to contact the merchant and work directly with them to dispute the {$1900.00} charge. I am having a lot of difficulty with the merchant XXXX XXXX, which is why I submitted a dispute to Capital One for help in the first place. However, even though I provided a very clear timeline of the events, and provided emails that I sent the very same day requesting to cancel the service, Capital One has denied my dispute and is still charging me the original {$1900.00}.
I always use my credit card because I know they will protect the consumer against fraudulent activity. However I have lost my trust in Capital One, and credit cards in general due to this dispute playing out the way it has.
Please see attached documents, including description of events, and email conversations with XXXX XXXX, which were provided to Capital One on XX/XX/22.
|
01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
On the date of XX/XX/2019 I stopped by my local branch to make a deposit of {$2400.00} using the ATM inside the building but right outside the door to the main lobby. I decided to use the machine because there was a line inside and I thought it would be quicker and easier. After inserting my debit card I chose the " deposit cash into checking '' option and laid a set of notes that was half of the first deposit. Even though the sign on the ATM reads that it can take as many as XXXX notes at XXXX time, I split it to avoid any problems with the money being ejected, which has happened before. The total after completion of that deposit was {$1000.00}.
My second deposit was for my savings account. Again, i separated the bills and inserted what would be {$380.00}. The last and only set of bills that had {$100.00} dollar bills, along with some {$50.00} and {$20.00}, was ejected back out. The machine was running out of time so i opted for extra time to get the money in order, making sure there were no wrinkles or folded corners and the edges were flush and even all around. Then I pushed the deposit cash option again. This time it kept it and I pushed the complete transaction option and got my card and receipt. As I walked to my car, I took a quick glance at the receipt and didn't really notice anything wrong as I got in the car and started driving. It was then that i handed the receipt to my wife so she could take a closer look. As we're going along, she asked me if i had changed my mind about the deposit because it didn't total to {$2400.00}. Since we were almost home by now, I decided i would call the number on my debit card for customer service. After a brief explanation, the person from customer service told me that he would credit the missing {$950.00} dollars back into my account while the investigation department looked into the issue. About two weeks later, I received an email notifying me that the {$950.00} would be removed from my account because their investigation showed that there was no error by the machine. I went to speak with a manager at the branch which, is the only one i've ever used since opening my accounts. After a brief explanation of what happened, she asked me if i was sure that i made a deposit there and if I was sure about the amount. I showed her the receipt, which is also stamped with a code for that particular machine, so now she was sure it was that very ATM. I asked for details about their investigation, what it entails. Do you have a person that unlocks the machine and takes a count of the number of notes and receipts or records of all the transactions on any day. What happens if there is money, like mine, that the machine failed to record, and if it would be there on the date of my transaction, and unaccounted for. She told me that couldn't happen. She then called someone at their headquarters in the investigation department and put me on the phone. Then she asked me if i was sure about using that machine, to which the manager gave her the code stamped on my receipt, showing that I was telling the truth. She then asked if i could have deposited some of the money at that branch and then gone to another branch to deposit the rest.
Why would i do that! I exclaimed.
I then asked her, because of all the cameras in the bank and especially the ones on the ATM itself, if they could show me some video of the date and time. She said she would look into it give me an answer in at least 2 weeks or less. I also asked her how they investigate, and she told me that they look through their computer records from their headquarters into that machine and the records it keeps. Two weeks later I was denied. The machine didn't make any mistakes. They did send me some copies of the records showing the transactions I made, but aside from the fact that those records show the timeline being off by two hours according to my receipt, it still did not clarify anything. I believe that since my missing money, along with the waiting period between the deposits, through the machine off and didn't count the {$950.00}, therefore that money was in the machine as extra money. The machine doesn't load itself, at least I don't think it does but, according to them, they don't have the capability to open the machine in the bank and check it.
|
06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
My account was closed by Capital One shortly after opening due to their claim that I made a false statement. I have not made a false statement, and they refuse to allow me to speak with someone who has the power to decide my case or explain their complaint against me. They refuse to return the {$390.00} annual fee that I paid for a card that was restricted after about a week of use. Here are the details of what happened : On XX/XX/22, I applied for a XXXX XXXX credit card. On the application, I was prompted to write my total annual income. The instructions for what to include as income stated, " If you are XXXX or older, you may also include somebody else 's income that is regularly used to pay your expenses. '' I am over XXXX and financially supported by my parents. Due to the instructions, I included my parent 's income in the amount.
I was approved for the card and charged the {$390.00} annual fee.
Shortly after receiving the card, Capital One restricted my account, claiming that the reason was for fraud. They said I needed to verify my identity. They asked me to upload several documents and wait 7-10 days for a response.
I uploaded the documents, and they called me two weeks later, saying they verified my identity and now need to verify my income. I was told to upload my last 3 bank statements to prove my income. I told them I included my parent 's income in the amount I wrote because the instructions said, If you are 21 or over, you may also include somebody elses income that is regularly used to pay your expenses. They told me this information was incorrect and that they wouldn't accept my parent 's bank statements because my name wasnt on them. Not knowing what else to do, I sent in my bank statements alone. I was told to wait 7-10 days for a response.
Instead of a call, I received a letter saying my account was closed. I called Capital One immediately to find out the reason. They said they determined that I made a false statement on my application. I told them that I didnt make any false statements and was simply answering the income question based on what the instructions said to include.
They said it was only up to the case managers to make these decisions, but they couldn't connect me with them. They said I should fax in my parent 's bank statements ( because they couldnt send me an upload link after closing my account ) and wait for a response from the case managers. I asked them if they could at least refund the {$390.00} annual fee because they had closed my account. They said no without giving any reason.
It was a significant inconvenience for me to fax the documents because I dont own a fax machine, but I found a way to do it. I waited two weeks but never received a response. I filed a complaint with the XXXX, including all the attached documents. I received a generic response that said something along the lines of, we looked into it and determined that no mistakes were made, and we still wont refund the {$390.00} annual fee.
They didnt supply any reason for their decision not to refund the fee or address the fact that their Application Terms explicitly stated, You may also include somebody elses income that is regularly used to pay your expenses. Instead, they referenced a FAQ page that talked about annual income ( not the official application terms page for the card ).
This whole experience has been incredibly time-consuming and frustrating. Capital One gave me the run-around, asking me to wait to hear back from them several times, giving me very limited information about what theyre accusing me of, and not letting me speak with a case manager. I have only been honest with them, and they have been misleading.
They did false advertising by offering me a card, making a statement about what to include as income, and then retracting it later. They did a bait-and-switch by accepting me for the card, charging me a {$390.00} annual fee, and then asking me to show proof of income after the fact. I was also charged {$5.00} for a declined payment for a bill I set up on autopay with the card.
Here is the link for the page that has their application terms for the card on it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The application terms are at the bottom of the page ; I have included a screenshot of them.
|
04/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
I had a credit card with Capital One since XXXX with a {$9000.00} credit limit. In XXXX XXXX I was the victim of an internet scam. At that time, I was promised that the scammer would pay off my then existing balance on this card of around {$8000.00} in exchange for future favors and a promised future monetary " reward. '' I gave out my Capital One account number for this supposed transfer and payoff. An electronic payoff amount reducing this account balance to XXXX was submitted to Capital One on my behalf by this " good samaritan '' coming from a supposedly legitimate account from a supposedly legitimate out of state bank branch.
Capital One blindly and immediately accepted the payoff without exercising any due diligence, including a hold on the {$8000.00} payoff until funds would " clear. '' Why didn't they do this?
In the meantime, I secured cash advances from this account assuming the account had a zero balance to send to this scammer as a loan with another promise that the account would again be paid off once/if the account would be maxed out at its {$9000.00} credit limit. Over a short period of 2-3 days I secured a max {$5.00} XXXX cash advance and with various other cash purchases the account did reach the {$9000.00} credit limit. As promised the scammer then executed a second electronic account payoff again reducing the account to zero, funds accepted by Capital One from the same bogus account and same bogus bank branch.without due diligence performed placing a hold on the large payoff amount until funds would clear.
Well, after 4-5 days I was notified by Capital One that BOTH large account payoff amounts BOUNCED for a total of {$17000.00}. I was mortified. This ended activity on this account and Capital One closed it. Subsequently, however, Capital One kept sending me account statements with ever increasing balances and HUGE minimum payment requirements in the thousands of dollars. With constant added interest and penalties, the account balance went over {$20000.00} with XXXX, XXXX, XXXX XXXX dollar minimum payment requirements. I called Capital One to explain what had happened and they offered absolutely no sympathy to my predicament. I then submitted an online complaint to the FBI and heard absolutely nothing back.
But the Capital One statements did not stop until after several months when the account reached a staggering {$29000.00} and required a {$6500.00} minimum payment requirement. It was then Capital One finally charged off the account but only after they had added OVER {$12000.00} in interest and penalties to my account. WHY? TO ME THIS IS CRIMINAL!!
In the.meantime, I engaged a National Debt Relief ( XXXX XXXX, XXXX ) firm to help me with this unexpected debt and three other accounts ( unrelated to the internet scam ) with negotiated, reduced settlements. From the beginning I adamantly objected to the HUGE {$29000.00} ending balance on the Capital One account..I figured a {$17000.00} balance in the account when ALL activity stopped after the BOUNCED {$8000.00} and {$9000.00} payoffs accepted by Capital One without due diligence and holds on these large amounts. Had this been done, the scam would have been stopped dead in its tracks.
Sadly, NDR told me that contesting ending balances was NOT part of their service. They eventually " negotiated '' a {$15000.00} " settlement '' with Capital One on this BLOATED account, WHICH SHOULD NEVER HAVE REACHED THIS UNGODLY AMOUNT IN THE FIRST PLACE!!
Capital One needs to erase the {$12000.00} in interest and fees they levied on my account after activity had been stopped yet all the while they egregiously added to the balance until it reached the the ungodly {$29000.00} level before it was then mercifully charged off.
UNFORTUNATELY, SEVERE DAMAGE HAS BEEN DONE TO ME AND MY CREDIT SCORES OVER THE LAST 18 MONTHS THAT ARE SO LOW THAT I CAN NOT SECURE ANY KIND OF LOAN!
I'M XXXX ON XXXX XXXX CAN NOT DEAL WITH THIS EXTRAORDINARILY CRUEL FINANCIAL BURDEN IMPOSED BY GREEDY, CRIMINAL CAPITAL ONE!! MY WIFE JUST RETIRED FORCED TO BY XXXX XXXX XXXX. WE HAVE LOST HER FULL-TIME SALARY AND BENEFITS. I'M SEMI-RETIRED. TOTAL INCOME IS JUST SOCIAL SECURITY, PART-TIME MINIMUM WAGE WORK INCOME AND A MEAGER {$1000.00} MONTHLY RETIREMENT STIPEND FOR THE WIFE.
XXXX XXXX
|
08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
I received an email today XX/XX/2020 from Capital One today regarding my available credit being reduce in half. I called Capital One seeking explanation as to why my available credit was being reduce to half of what my available credit was just one day prior. My concern is that this negatively effects my credit to debt ratio, and has been reported to all major credit reporting bureaus. I have a XXXX balance due on my Capital One credit card now and feel that because I do not use my credit card enough they are unfairly reducing my available credit which took me years to accumulate. I currently have a high credit score of XXXX and do not think it is a fair business practice for Capital One to slash my available credit in half for non use, especially in these economic times ( COVID-19 ) in which we are all trying to navigate through. I pay my bills on time every months and again it took me years to obtain the available credit available. And with one email my available credit just took major slash. I use my credit cards as assurances making major purchases such as pet surgeries, or vacation trips. for example, {$3000.00} unforeseen medical emergency for my dog when he required immediate XXXX to save his life. Or I use to purchase vacation packages like cruises which can cost up to {$5000.00} per couple. Now that my available credit has been reduce in half by one credit card I have lost piece of main and assurances that I have available credit in times of need. Again I have done nothing but be a good customer paying my bill every month on time and now that I have not used the credit card or have paid off balance because of concern of what is going on in the world with COVID-19 I have just lost years worth of accrued credit in one day. The available credit again which took me years to accumulate has just been reduce in half in one day with no recourse. The three major credit bureaus have all been updated with this information and now my credit score and available debt to credit ratio has been negatively effected. Now when I go to make a major purchase ( home, car, insurance ect .... ) I have been negatively been impacted by a business decision all in one day. Again I feel I am a responsible consumer. I make a major purchase on my credit card and pay it off almost immediately, especially with what is going on in the world. I do not want debt hanging over my head. But since the credit card company Capital One is not making accrued interest on my account I have been negatively been impacted in one day by there business decision to reduce my available credit in half. I explained to them how I use my credit which as a consumer is my own personal discretion, that with the worries over the economy and the country as a whole I am not using credit and paying down debt. I should not be punished for being fiscally responsible for the times in which we live in. I was told by the credit card company that this is nothing personal and I could look into have my credit reevaluated again in six months. BUT, how can I NOT take this personally ; I took me years to obtain and accrue my FICO score and available credit and in one day it is taken from me, this directly effects my ability to purchase and obtain. As a consumer I have NO recourse, I have XXXX dollar balance with this company, and I have no recourse to terminate my line of credit with this company with out severely impacting my credit score further. I understand that Capital One is in " as for profit '' corporation however with the state of the world and unforeseen economic impacts I feel deeply impacted by a one day metric decision that will effect me for an unforeseen future. Now that my available credit has been reduced and reported to the bureaus, I have NO piece of mind or assurances. Again look at my credit history with this company. I make major purchases with this credit card. {$3000.00} here, {$1500.00} there and now that my available credit has been reduced I have directly effected by a business decision that personally affects me directly. I was looking to purchase cruise tickets for next year and now that I have half of the available credit I did a day ago I am directly effected by unfair and in my mind shady business practices I no longer have consumer confidence to do so.
|
08/30/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
All transactions were done at the following location : Capital One XXXX XXXX XXXX.
XXXX, LA XXXX Branch Manager : XXXX XXXX XXXX XX/XX/XXXX Opened business account with 2 signers XXXX and XXXX. ( Im using intials to explain all that happened. I am XXXX ).
XX/XX/XXXX XXXX was removed from my LLC completely.
XX/XX/XXXX Both signers went into bank to have XXXX removed from account. There is videowe were both there. At that time, XXXX also opened a second business account without XXXX on it.
XX/XX/XXXX XXXX saw online activity by XXXX on the business account. XXXX called Capital One and stated that XXXX should not have access to the business account. XXXX was told by Capital One that XXXX was not on account and to simply change online password to deny him access. XXXX changed the password.
XX/XX/XXXX ( Friday ) XXXX went into branch listed above and asked for balance on business account. Capital One had NOT removed XXXX from account!! Branch manager gave XXXX the balance on account, and XXXX promptly withdrew all monies from account totally {$1900.00}.
XX/XX/XXXX ( Saturday evening ) XXXX tried to use debit card for business account and was told card is reported stolen. XXXX checked bank balance and it was zero. XXXX called Capital One Saturday evening at XXXX XXXX and was told XXXX was still on account. XXXX was told there was nothing to be done until Monday morning.
XX/XX/XXXX ( Monday ) XXXX went in to branch and spoke with manager. He was unaware XXXX and XXXX had gone into branch to take XXXX off account. He initiated a fraud investigation. XXXX was removed from account and a password was placed on account. No business transactions were to take place if could not supply password.
XXXX was told once Capital One had a case #, she could go to police and file fraud charges. XXXX was told the fraud case # takes 2 days to generate. The {$1900.00} was still not put back in business account.
XX/XX/XXXX ( Wednesday ) XXXX called fraud dept. at XXXX XXXX and was told case # had not been assigned and to call back in the afternoon.
Called back in afternoon and was told it takes 5 days to get a case #. Friday is now when it would be available.
XX/XX/XXXX ( Thursday evening around XXXX XXXX ) XXXX looked at bank balance and it was o.oo and the account stated closed.
XX/XX/XXXX ( Friday ) XXXX went back to branch and spoke with manager. Manager investigated and found out that XXXX called on Saturday, XX/XX/XXXX and requested account be closed and all remaing money sent out, this total was {$1600.00}. This apparently was done by Capital One because any Saturday business does not show on their system until Tuesday. Branch manager said that is why they didnt see this request on Monday, XX/XX/XXXX. Branch manager said wait until cashiers check shows up in mail and then put back in account. He stated that would be quicker than doing a stop pay. Account was reopened as well.
XXXX called branch and requested that regional manager contact me. Has not happened as of XX/XX/XXXX XXXX XXXX XXXX.
Branch manager immediately called back. XXXX said the money needed to be back in account and that she was not waiting until the following week for the mail. Manager made calls and money was put back in account on a conditional basis until cashiers check was deposited.
XX/XX/XXXX ( Monday ) XXXX went to XXXX Police Department and was told no charges could be filed because XXXXs name was still on account when he took out money. Police officer stated that it is Capital One who is liable for the {$1900.00} because they did not protect my account.
XX/XX/XXXX ( Wednesday ) XXXX looked at bank balance and again it was o. oo and account closed. XXXX immediately went to branch manager. He investigated again. XXXX called to have account closed AGAIN and all monies sent out. {$500.00}. Branch manager said XXXX XXXX in back office is the one who spoke with XXXX. She did not look at notes or notice that the account had a PASSWORD!! Branch manager had the account reopened and the money put back in account.
XXXX told branch manager that no one fraud department had gotten back yet. Branch manager called and emailed fraud investigator XXXX XXXX numerous times with no response. Branch manager emailed XXXX XXXX boss and we are waiting to hear back.
|
08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
I hope this email reaches you in good health and spirit. The reason why Im writing is I was burnt by a relaxer on XX/XX/2023. The shop name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the number of the shop is XXXX and number of XXXX cell phone is XXXX she is the one who burnt me. She did not base me ( petroleum jelly ) around my hair line and where she put the relaxer. The relaxer seemed like it got on my neck and if she would have put petroleum jelly I would not of got burnt, I have no ever in my life got burnt by a relaxer until I came to this shop. This was my first time going to the shop and her. I normally go to my beautician I been going to for over 10 years but I moved and XXXX was closer. Now Im just going to travel and go to my regular beautician because these burns was a traumatic experience.
I been natural going on 10 years but I do get a relaxer around my edges to smooth it down. On XX/XX/2023 I ask for a relaxer on my edges and a wash with deep conditioner. I sat down in her chair and after she put the relaxer on I notice she didnt put anything to protect me from the relaxer but about time I notice it was too late because she seemed like she was in a rush and she was moving so fast she had several clients there.
I notice the burns when I went to the bathroom and look in the mirror because something didnt feel right but I couldnt really see it because its in the back I could only see the side of it but I notice she burnt me and I let her know and she act ask if it wasnt a big deal then she started to blame it on me like you might of scratch, or its your work collar if you wear one or its your chains you have on but this doesnt make sense to me because I dont get burnt ever and the only thing difference is I went to someone new and she didnt not base me. She also was combing the back with a thin tooth comb and she wasnt supposed to do that. I text her when I got home after getting a mirror and looking at the back of my head and told her she burnt me really bad its severe. She said in the text I was being dramatic and extra. She was very rude in her text messages about the whole situation she has an XXXX and I do too she was hearting my text and giving thumbs up like she was being facetious. She had no empathy, very insensitive. Making up excuses and blaming me for burns and she told me I should of ask her to base me.
I thought it was standard to do so I didnt know I needed to ask I have not ever asked to get base ( petroleum jelly ) I thought that was an automatic thing when you use a chemical relaxer.
It was hard for me to sleep for three nights I was in so much pain. I also had to go to work with burn marks it was very embarrassing and hard for me to turn my neck and it was aggravating pre existing conditions from a car accident.
XXXX XXXX and these burns were affecting my XXXX. Now Im afraid its going to leave scars and I normally wear up XXXX styles. I even asked for my money back because I had to buy XXXX and XXXX XXXX for the burns and the pain I was going through it wasnt really about the money its the principle. The burns are on my neck and not really my scalp. Its really bothering me because they are so noticeable. I had to travel to see my beautician that I been going to for over 10 years because after she burnt me I honestly was afraid/scared for her to style my hair or anything. It was also my Birthday and I couldnt even enjoy it because of these burns it wasnt styled and I didnt want no one to see it and I didnt even want to go to work but I had too. Please see the pictures that are attached of the burns. If you have any questions please contact me. I provided a response regarding the dispute for XXXX XXXX XXXX billed on XXXX for {$40.00}. She stated she was going to refund me the {$40.00} and I showed Capital One that in a text message she text me. I also showed them documents explaining how a relaxer should be done. I was burnt by a relaxer because the lady did not base me like put petroleum jelly etc. to protect me from getting burnt. I have not ever in my life got burnt by a relaxer. This was my first time going to her, I normally go some where else.
I would like for the CEO office to call me.
Thank you. Have a great day.
|
08/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Good Day, On XX/XX/2022 I logged into my Capital One Checking account, to reveal multiple transaction had taken place, without my authorization. I called Capital One and highlighted the fact that the charges were fraudulent and I would like help with disputing. I explained to the Capital One agent that it seems a purchase I made online had become compromised, as a similar issue was happening with another bank account of mine. The other bank did their investigation and found the purchases to be fraudulent as I had discussed.
Capital One told me I would have to call back on Monday XX/XX/XXXX and possibly on the XXXX as well, to file disputes against the charges once they had cleared. I followed their instructions and called on Monday XX/XX/XXXX, highlighted all the charges that were not at all part of my authorized activity. They explained their investigation process and I would be followed up with in due course.
On Monday XX/XX/2022 I received the follow up from Capital One telling me, the charges were not found to be fraudulent. I called again and asked for further explanation of this, at which time the first agent told me the charges were found to be fine based on their investigation. I highlighted this made no sense as there is absolutely no proof of me making these purchases and the transactions do not speak to my traditional/normal use of the account. All the vendors noted in the dispute, I noted I do not know who they were or what they provide. The agent said I should take a picture to prove I did not make the purchases. I asked what would that picture entail? Would it be of me cooking or cleaning my house? I then asked to speak with a Manager who did not provide any intelligent response either.
I stand by the fact that these charges are fraudulent and I am submitting for further dispute as the matter has significantly impacted my financial responsibilities. Capital One claims there is nothing further they can do to address my being charged for {$1900.00} of expenses I have not authorized. I admit I shop online at one point during the period and used XXXX for the transaction. I also work remotely from coffee shops and sometimes use public wi-fi during the dates highlighted for the charges. Again, I shared with Capital One that my information was clearly compromised due to an online transaction I did make and for which I have receipts. Capital One is telling me, because I was logged into my device I must have made the purchases. I find this rather insulting, as again, none of these so called vendors follow my trend of engagement with my checking account. I find it absolutely disappointing that having banked with Capital One for over a decade, that they would be better able to discern and ascertain the truth of the matter.
Doing my own investigation of the vendors listed, it is evident they are scams and I truly would like to have this matter resolved with the return of the funds that were not authorized for release by me. The following is a list of the fraudulent charges : Transaction Dates and Amounts XX/XX/2022 - {$3.00} - XXXX XXXX XXXXXX/XX/2022 - {$1.00} - XXXX XXXX XXXX XXXX {$55.00} - XXXX XXXX XXXXXX/XX/2022 - {$3.00} - XXXX XXXX XXXXXX/XX/2022 - {$1.00} - XXXX XXXX XXXXXX/XX/2022 - {$2.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$59.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$110.00} - XXXX XXXX XX/XX/2022 - {$110.00} - XXXXXXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$39.00} - XXXX XXXX XX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$97.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XX/XX/2022 - {$39.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXX XXXX XXXXXX/XX/2022 - {$6.00} - XXXX XXXX XX/XX/2022 - {$6.00} - XXXX XXXX XXXXXX/XX/2022 - {$110.00} - XXXXXXXX XXXX
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03/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Since there is no direct e mail to the ceo 's office please forward this to the ceo 's office on my behalf Thanks I also don't want this to impact my credit score and hurt my ability to use my 3 capitol one credit cards! The purpose of this letter is to help me out and to make CAPITOL ONE BANK BETTER SERVE THEIR Consumers instead of doing their commercials I understand fully that capitol one is trying to automate to eliminate their frontline staff by me getting what I will ask for on my 3 credit cards and explaining the situation I expect better staffing so the workforce will have less work to do and folks like me will have less wait time on the phone to get an american based agent~ I live in XXXX WHICH IS IN NY STATE SO I am writing to the ny attorney generals office and XXXX dept of consumer affairs as well as the nevada ATTORNEY GENERALS OFFICE ( SINCE MY CAPITOL ONE CONTACT LADY IS BASED IN XXXX XXXX and THE Virginia 's attorney generals office since capitol one 's corp hq is in XXXX , VA ) AND OF COURSE THE FTC AND DOJ AND I want this letter sent to all relevant local/ county, state and federal agencies that I did not mention here.
I guess yesterday that capitol one had the same issues as XXXX I CALLED XXXX XXXX XXXX XXXX AND When I pressed option 1 I got cut off When I called XXXX XXXX XXXX and XXXX XXXX XXXX the phone didn't even ring and I just got a dial tone I called to check on my balances etc and besides that THE only time I should call one of these # 's is to deal with id theft Otherwise I am dealing with XXXX EMPLOYEE ID # XXXX AT TELEPHONE # XXXX XXXX XXXX PIN CODE # XXXX XXXX DIR EXT # XXXX XXXX She is great and does provide great service and is working on a previous compliant that I have filed against capitol one but I have many other issues that need handeling and perhaps with this letter she will have the ability to do even more for me since I am going thru major cash flow issues right now! for card # XXXX ( also please extend the interest free period to at least XX/XX/XXXX ) on monday XX/XX/XXXX I wanted to dispute {$1.00} charge and called in at XXXX. and was on hold in excess of 90 minutes before I got an agent who did give me the credit but for that kind of time I demand a at least a {$500.00} bill credit and when I spoke to XXXX later she tried to help me get some assistance but she didn't know that I can get that kind of help if I miss a payment. For card # XXXX on wednesday XX/XX/XXXX XXXX connected, e to XXXX id # XXXX FROM XXXX, FLA DISPUTES DEPT WHO BESIDES XXXX IS ONE of the full folks in capitol one who actually serves the customers properly after being on hold for about 5 minutes since XXXX had to explain my situation to her I got her on the line and she was kind enough to credit my account {$56.00} for the previous 3 months interest charges and take care of my billing issue moving forward on this card I need the {$500.00} bill credit as well as the card being ( So the XX/XX/XXXX interest charge can be waived / credited back as well ) interest free until XX/XX/XXXX at the very least to help me catch my breath!
With card # XXXX XXXX tried to get me grant money thru the hardship program but I didn't qualify since I don't have and haven't had a convential job in a long time I have asked to have the interest charges from XX/XX/XXXX ( {$40.00} ). XX/XX/XXXX ( {$41.00} ), XX/XX/XXXX ( {$28.00} ), and XX/XX/XXXX ( {$42.00} ) ( she did get me a lower interest rate ) which is a total of {$150.00} credited back and moving forward to get this to be an interest free card to at least XX/XX/XXXX and to credited my account {$500.00} for my time now I realize having XXXX AS A DIRECT CONTACT MEANS that if she out on vacation / sick etc things will take time ( they won't take my time an if charges accrue while she is away she will take care of those charges but I won't have to be on the phone for an obscene amount of time ) THANKS FOR YOUR TIME AND HELP HERE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX LANDLINE # XXXX XXXX XXXX PS LAST thursday XX/XX/XXXX XXXX got me some guy on the line after a 15 minute wait who had no clue ( by design and couldn't / wouldn't do anything for me but waste my time ) he is sadly typical of capitol one and why I have XXXX AS MY CONTACT PERSON!
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02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My credit card was fraudulently charged {$7900.00} by a money fronting scam artist whom spoofed my email address as a XXXX " notification ''. XXXX was made well aware of this and advised, with a letterhead attached to this complaint, I would need to further pursue the case with my financial institution, being Capital One, to ensure I am rightfully refunded for the fraudulent compromise made on my credit card details. This letterhead was forwarded to Capital One by both XXXX and I and NOTHING was done by Capital One in refunding the lost funds of {$7900.00}. This letterhead is included as part of the attachments to this complaint.
Capital One found a scapegoat in justifying the matter that an internet crime incident needed to be filed and documented for their records to, in turn, refund the fraudulent charge back onto my account. Although extremely inconvenient to my busy schedule, I did not argue, and told them no problem. After prolonged months and months of research into the fraudulent suspect, I was finally able to personally retrieve not just all of his personal, fraudulent, details ; being his name, address, phone number, email, and website, but also the IDENTICAL fraudulent incidents of other victims. These incidents were written on the XXXX website of his " company '' which I documented with great detail into the crime report. With all this time consuming research and endless headache, I finally forwarded this documentation to Capital One and NOTHING, once again, was done. These documents are also attached to this complaint.
I was calling every single day with representatives and even supervisors and managers confirming the information had been received and how very valuable they were in resolving the case. But, in actuality, I was only to be led astray ; being told what they wanted me to hear, only for them to hang up with nothing actually being solved or accounted for. Hours, days, weeks, months taken out of my own personal work and family time for no progress to be made. Representatives, supervisors, and managers, through my every phone call, consistently found a deliberate excuse, transferring me, putting me on hold, asking me to hold longer, eventually connecting to a lower department where I could not even understand the dialect being spoken, only to not REALLY look into and resolve my urgent matter of getting the fraudulent {$7900.00} amount credited back onto my account, but instead, going through the motions and pretending there was progress being made with them telling me to " wait 7-10 business days '' after every 10th business day passed. For months.
Since XX/XX/2019, when the correspondence between Capital One and I was ongoing, I had forwarded and followed up with great due diligence in resolving this fraudulent compromise of my account. XXXX had already advised that my account had been closed due to the breach and security of my sensitive information. I also forwarded XXXX 's pertinent documentation explaining that because Capital One pulled the funds manually from XXXX, directly, Capital One is the only entity that could rightfully refund my account. I forwarded this EXACT letterhead also to Capital One when they had already received it from XXXX, for their reference, only for it to be ignored. Even after the criminal documentary report, XXXX 's letterhead explaining the completion of internal investigation and advisement to consult with my financial institution for the refund, and my endless due diligence ; Capital One still did not make ANY single effort at all, whatsoever, to retrieve the funds that were fraudulently charged on my credit card.
All the information of the suspect presented in the criminal report was accomplished after many months of research and endless investigation into the matter. In the directory of the XXXX XXXX XXXX, under XXXX XXXX XXXX XXXX XXXX, XXXX, you will notice 3 separate victims had reported similar instances of fraud occurring with their financial institutions with this same entity. I went ahead and ALSO included these written instances to Capital One for their reference. Again, not a single effort was made to see how obvious this fraudulent compromise was. This XXXX directory screenshot is included as an attachment to this complaint as well.
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06/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ACCOUNT XXXX XXXX AMOUNT {$630.00} XXXX are furnishing inaccurate and incorrect information of {$630.00} to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.
You and your inaccurate reporting have damaged livelihood.
15 U.S. Code 1681s-2 Responsibilities of furnishers of Information to consumer reporting agencies DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something 15 U.S. Code 1605 Determination of finance charge. The IRS states IF {$600.00} of DEBT was CANCELED MUST FILE FORM 1099-C.
Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate.
By Definition the IRS Clearly says a Cancelled or Charge off is an income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says your Company are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to provide inaccurate information. I demand you to Cease and Desist the reporting of incorrect/in accurate information immediately.
15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect information.
The lender must file Form 1099-C and send you a copy if the debt is canceled and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier.
The above paragraph is taken directly from the IRS publication SEND ME MY FORM 1099-C that you should give to me when you Filed this account as a canceled debt.
My Address is listed below 15 U.S.Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate.
The continued reporting of this information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Failure to respond to this factory with deletion of the charge off, will result in legal action being taken against your Company for which I will be also seeking {$1000.00} for violations.
YOU HAVE XXXX CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS!
15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH I will submit a copy of this letter to the IRS, Attorney General, and to Consumer Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
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11/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am filing this complaint because I have recently been educated on my rights as a consumer and after reviewing the contract that was presented to me at the XXXX of XXXX XXXX dealership on XX/XX/XXXX, of 2021, I am clear that those rights have been violated. The following violations were occurred in relation to my consumer credit transaction for the purchase of a XXXX XXXX XXXX.
1. ) It is a fact that XXXX car dealership transferred or assigned their interest to Capitol One Auto Finance on page 6 of the contract. It is unclear who I am supposed to have a contract with.
2. ) It is a fact that Capitol One has been the company sending me billing statements and who I have been paying.
3. ) It is a fact that I signed a contract with XXXX which included several separate parts to the contract. On page 6 of the contract XXXX transferred their interests to Capitol One Auto Finance, however per 15 USC 1 every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal.
4. ) It is a fact that I provided a cash down payment in the amount of {$2500.00}, however per 15 USC 1605a no cash down payment can be collected when there is a finance charge. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit.
5. ) It is a fact that I was told that the cash down payment would reduce the total amount of the purchase price, however on page 1 of the contract it clearly shows that the down payment was not subtracted but added to the purchase price of the vehicle. This is a billing error pursuant to 15 USC 1666.
6. ) It is a fact that I understand pursuant to 15 USC 1605, that the finance charge is the sum of all charges. On the 1st page of the contract the finance charge is misrepresented to be only {$14000.00} when in fact the sum of all charges would be {$67000.00}. This is a violation of 15 USC 1692e ( 2 ) ( A ).
7. ) It is a fact that pursuant to 15 USC 1605, a finance charge, which is the sum of all charges, should include all insurance premiums. However, no charges dealing with insurance was included in the finance charge per the contract. The staff at XXXX did not even disclose that insurance was to be included with the finance charge, they just called XXXX insurance company on my behalf and made me contract with them separately. This is a violation of what is written in this law.
8. ) It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts.
9. ) It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a.
10. ) It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy.
11. ) It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return the down payment and all payments made in relation to this contract as well as take all required action to reflect the termination of any security interest that was created by this consumer credit transaction.
12. ) It is a fact that I am aware that per 15 USC 1640 ( a ), Capitol One Auto Finance is liable for 2 times the finance charge for EACH violation of the Truth In Lending Act. There have been eight ( 8 ) violations noted per this complaint so far which means that the total fine for the violations under this code would be {>= $1,000,000} is owed to me.
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05/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
This is an ADDITION to Formal Complaint # XXXX-XXXX that went TOTALLY IGNORED by Capital One via CFPB : Capital One has committed illegal extortion against myself as a United States Citizen and victim of Identity Theft. I am being FORCED TO PAY all {$710.00} ( Due XX/XX/XXXX ) of the CONFIRMED FRAUDULENT CHARGES of Capital One Mastercard Account # XXXX XXXX XXXX XXXX despite the Mastercard Zero Liability Protection that I am entitled to by law with all requirements being met and fulfilled under the Mastercard Liability Protection Policy. I moved in XXXX of XXXX and noticed my credit card missing after I settled in later in the month and called Capital One to report my missing card which had no previous balance on it. I was unaware of it but soon learned after calling Capital Ones Customer Service line at ( XXXX ) XXXX-XXXX that all phone operations were being handled in the country of XXXX with poorly trained employees that could speak and comprehend very little English ( if any ) to save the bank ( which has NO physical branches in the United States of America despite contrary claims otherwise in U.S. national television advertisements Capital One Cafes ) from paying higher wages to U.S. workers and to avoid U.S. taxes on employees. After speaking to a XXXX Resident and trying to tell them what happened, they sounded very confused and had to look up my English words to interpret what I said. The only coherent words that I could understand is, Card on its way. You understand? My mail was forwarded by the United States Postal Service for three months as per their policy. I later got a forwarded DUPLICATE card in the mail with the SAME ACCOUNT NUMBER. The XXXX employee didnt even close the account to prevent theft or update my address as requested. I called to complain again in XXXX after receiving my forwarded statement that had {$710.00} ( Due XX/XX/XXXX ) of UNAUTHORIZED CHARGES on it. The XXXX employee was fast to interrupt me and say Those charges made with card in hand. Not fraud.!! I called again and asked to speak to an American and they DENIED my request. I looked up how to say I need a new card in XXXX and they hung up on me. Later, a new card was forwarded to me by the United States Postal Service with a new account number and I received a forwarded letter stating that I was responsible for ALL UNAUTHORIZED CHARGES of {$710.00} ( Due XX/XX/XXXX ). Since then I have made numerous attempts to change my address by calling other corporate Capital One phone numbers and finally being granted brief access to an American Employee in XXXX, Virginia. To this day, I still dont know if my address has been updated or my phone number. I have been laughed at repeatedly and lied to at least half a dozen times that someone would CALL me and they never do not even when I tell them to call me on my new number. Capital One has also DENIED my request to close this account so I may pursue the banks criminal actions legally. I have filed a Consumer Identity Theft Report with the Federal Trade Commission but Capital One REFUSES to take it and does not recognize a police report in its investigations. I reached out to Mastercard International and filed a formal complaint against Capital One. I also filed a complaint with the XXXX XXXX XXXX XXXX, the Attorney Generals Office, and contacted XXXX XXXX ( Senior Investigative Reporter for XXXX XXXX XXXX/XXXX-XXXX ). *To date ( XX/XX/XXXX XXXX Capital One has ignored all correspondence via previous complaint and responded to the United States Government Agency ( CFPB ) that this is reported to that they will take a few more MONTHS to reply. I have received a Capital One credit card statement due XX/XX/XXXX with a RANSOM DEMAND stating that if I do not pay the entire balance, then EXCESSIVE FINANCE FEES and EXCESSIVE LATE FEES WILL COMPOUND TO HUNDREDS OF DOLLARS AND MY CREDIT WILL BE DESTROYED. Previously, Capital one lied and said that they would take those late fees and finance fees off as well as readjusting to the correct APR as FEDERAL LAW REQUIRES, however the MIGHTY CAPITAL ONE is ABOVE ALL FEDERAL LAW!!!!!! I have filed charges with the United States Attorney General 's Office and look forward to meeting these XXXX in a highly publicized FEDERAL COURT HEARING!!!
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02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
XXXX XXXXXXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately.
XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
XXXX XXXX 5XXXX Balance : {$510.00} - Balance and payment history is Incorrect please remove immediately.
XXXX XXXX XXXXXXXX Balance : {$500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately.
XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.
XXXX XXXX XXXX Balance : {$1800.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
XXXX XXXX XXXXXXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
XXXX XXXX XXXXXXXX Balance : {$0.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
XXXX XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
XXXX XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Updates or rather delete this erroneous account.
XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
XXXX XXXX XXXX Balance : {$990.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this.
XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Chapter XXXX Bankruptcy XXXX - You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account immediately.
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10/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I have been a customer of Capital One for a decade, and while its marketing is great and app is useful, its customer service is deplorable. Capital One has made thousands and thousands of dollars off of me, with deceptive and predatory practices, high interest rates, fees, and failing to take action on fraudulent charges. If you discover an error on your statement, or even get an instant notification of a charge through the app and attempt to report it as fraudulent, whatever Capital Ones terms of service say about them taking action, in reality, the corporation will try to deter you, stall, and waste your time until you give up.
For example, over the course of 2020, I have spent hours and hours trying to dispute a charge on my Capital One Quicksilver Credit Card. In XXXX, I paid a software company {$140.00} for a program that did not work as promised and was little more than a script running in the command prompt. Naturally, I attempted to work it out with the company, but after wasting hours, amounting to days, of my time and being unwilling to assist me, fix the software, or refund me, I turned to Capital One to dispute the charge. Capital One made me jump through tons of hoops, e.g. outrageous wait times on the phone just to transfer me around then disconnect me, but eventually, I spoke to a Capital One representative who filed the dispute over the phone. Oddly, she would not give me any way to submit evidence. Even more distressing was that when, I told her that, with the pandemic, I would be unavailable at the address they had on file and requested that Capital One communicate with me through email about my dispute since my account is paperless and always handled through my email, she would not assist me with any alternatives to notifications about the dispute. It was clear that Capital One saw me as the enemy and was using the information I provided it with against me, in a trend of exploiting me as a customer to accrue fees or revenue for Capital One.
That being said, I was pleased when my dispute was approved. I received a purchase adjustment for the full price on my XXXX statement. I anticipated that Capital One would try to pull something shady, so I made sure I had someone at that address update me regularly in case there was any mail from Capital One in relation to the dispute. Nothing ever came.
Shockingly, Capital One rebilled me on my XXXX statement for the charge I had already disputed and received a refund. I had to jump through hours and days worth of Capital One hoops again to be told that I hadnt provided sufficient documentation ( in reality, Capital One would not allow me to provide documentation ). After countless hours struggling with Capital One, a representative said they would reopen the dispute and that I could fax documentation. I do not have a fax machine ; the year is XX/XX/XXXX. Multiple representatives refused to provide me with an email or any normal means of sending documentation. They did wind up giving me a link for me to upload documents to. Of course, that link did not work, so I had to jump through hoops to speak to the right person just to have that rude, disrespectful Capital One representative argue and insult me telling me that it does work. Eventually, in early XXXX, I got a different link to upload documents to that only worked if documents were uploaded through XXXX XXXX or something.
Then when I called back XX/XX/XXXX, I was bounced around three different, completely unhelpful Capital One representatives who kept changing their stories and putting me on hold for 45 minutes just to get me off of the line without resolving the situation.
Finally, I contacted theXX/XX/XXXX, which put me in contact with Capital Ones complaint department. The complaint department, again, did nothing to resolve the issue. In fact, through the process, it was made clear that the merchant provided no evidence other than having the CVV of my card. Since my whole point was that I made a purchase with my credit card and did not receive the product or service for which I paid, having my CVV number is not proof of anything. Capital One has not just neglected to properly investigate, it has showed a clear bias against me and a contempt for me as its credit consumer.
|
09/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
XX/XX/2020 MY CAR WAS REPOSSESSED W/O NOTIFICATION THAT THEY WERE EVEN ATTEMPTING OR STARTING A REPO PROCESS DURING COVID-19 PANDEMIC MY STATE OF SOUTH CAROLINA WAS LISTED AS " STATE OF EMERGENCY ''. I LAST MADE CONTACT WITH CAPITAL ONE AUTO FINANCE COLLECTION DEPT XX/XX/2020 AND REP NEVER STATED TO ME THAT VEHICLE WAS UP FOR REPOSESSION. I AM A XXXX DIAGNOSED XX/XX/2020 AND I CAN NOT MAKE IT TO MY DR 'S FOLLOW-UP APPOINTMENTS DUE TO CAPITAL ONE STATING THAT I " MUST PAY '' UPFRONT CAR PAYMENTS FOR THE MONTHS THAT WERE WITHIN THE COVID-19 PANDEMIC TERM WHICH WAS END OF XXXX BEGINNING XXXX. 2020 XXXX XXXX. 2020. I HAVE PLEADED MY CASE WITH CAPITAL ONE AUTO FINANCE " OFFICE OF THE PRESIDENT '' AND THEY ARE " NOT '' ACCEPTING MY MEDICAL EXCUSES AS PROOF OF BEING HOSPITALIZED AND FOLLOW-UP TREATMENT INFORMATION. I AM ALSO A INDIVIDUAL WHO HAS A XXXX XXXX WHICH I PROVIDED CAPITAL ONE AUTO FINANCE " OFFICE OF THE PRESIDENT WITH THAT DOCUMENTATION ALSO. STILL NO CHANGE AND THEY ARE STATING THAT THIS WAS A VALID REPOSESSION. CAPITAL ONE IS OFFERING ONLINE COVID-19 LOAN EXTENSION ASSISTANCE TO " ALL '' CUSTOMERS AND APPLYING 3 MONTHS TO THE BACK END OF THE LOAN. BUT AS FOR ME THEY ARE REQUESTING THE PANDEMIC MONTHS UPFRONT PLUS IN ADDITION TO THAT I HAVE THE REPO FEE INCLUDED ALSO THE REPOSESSION COMPANY LICENSE IS BASED OUT OF FLORIDA NOT SOUTH CAROLINA AND THEY ILLEGALLY REPOSESSED MY VEHICLE WITHOUT " ANY '' WARNING OR EVEN STATING THAT MY VEHICLE WAS " UP FOR REPOSESSION '' VIA PHONE CALL IN XX/XX/2020. ALSO THE LOCATION SERVICES f/k/a ACTION RECOVERY SERVICE HAS STOLEN MY XXXX XXXX XXXX FOR XXXX AND THE SCHOOL IS MAKING ME PAY FOR IT FOR REPLACEMENT. THE SCHOOL HAS THE ABILITY TO TRACK THE DEVICE AND THE SCHOOL AND REPOSESSION COMPANY IS LOCATED IN XXXX SC XXXX.
I RECENTLY RECEVIED A " NOTICE OF SEIZURE AND PERSONAL PROPERTY INVENTORY '' LETTER TO MY PERSONAL PO BOX FROM LOCATION SERVICES - PER THE NOTICE THEY STATE THAT THERE WAS NO " ACCESS TO MY TRUNK '' THAT'S NOT TRUE BECAUSE THEY HAD ACCESS TO THE INSIDE OF MY VEHICLE TO REMOVE 5 OR 6 OTHER ITEMS LISTED IN THE LETTER AND MY " TRUNK '' CAN BE EASILY ACCESSED FROM THE " TRUNK RELEASE '' OR TRUNK POP BUTTON LOCATED ON THE INSIDE OF THE CAR ALSO PER CAPITAL ONE AUTO FINANCE STATED THAT " THEY DO NOT '' GIVE THE REPOSESSION RECOVERY SERVICE ACCESS TO THE CUSTOMERS PERSONAL MAILING ADDRESS " IN WHICH '' I RECEIVED A LETTER FROM THE COMPANY ADDRESSED TO ME AT MY POST OFFICE BOX ADDRESS WHICH CAPITAL ONE AUTO FINANCE STATED " DOES-NOT '' GIVE THEM THAT AUTHORITY TO SEND THERE CUSTOMERS ANY MAILED CORRESPONDENCE.
**CAPITAL ONE FINANCIAL CORPORATION f/k/a CAPITAL ONE AUTO FINANCE HAS REPOSESSED MY VEHICLE DURING THE COVID - 19 PANDEMIC STATE OF EMERGENCY - I AM A XXXX XXXX XXXX AND I CAN NOT MAKE IT TO " ANY '' OF MY FOLLOW-UP DR.s SCHEDULED VISITS w/o MY VEHICLE TO DRIVE WHICH IT HAS NOT BEEN BROUGHT TO MY ATTENTION THAT MY VEHICLE WAS UP FOR REPOSESSION " THEY JUST FOLLOWED / SUVEILLENCED THE VEHICLE ILLEGALLY AND REPOSESSED IT DURING COVID-19 AND ARE NOW REQUESTING THAT I PAY THE " FULL '' AMOUNT OF THE COVID-19 PANDEMIC MONTH 'S ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX ) + REPOSESSION FEES AND DAILY ADESA AUCTION STORAGE AMOUNT " IN-FULL '' IS THE " ONLY '' " WAY '' TO REDEEM THE VEHICLE.
and in final ... ...
I HAVE PROVIDED CAPITAL ONE AUTO CEO " OFFICE OF THE PRESIDENT '' MY XXXX XXXX DOCUMENTATION AS WELL AS MY XXXX XXXX STATEMENTS ALSO MY SCHEDULED UPCOMING DOCTORS APPOINTMENTS AS THE SUPPORTING DOCUMENTATION THEY'VE REQUESTED FROM ME TO SUPPORT MY REASON FOR DANGEROUSLY IN NEED FOR MY VEHICLE. THEY STATED TO ME THAT THERE IS " NOTHING '' THAT THEY " CAN DO ''!
THEY STATED THIS ON A RECORDED LINE. MEANWHILE, ONLINE CAPITAL ONE AUTO FINANCE IS OFFERING CUSTOMERS AFFECTED BY THE PANDEMIC ( 3 MONTHS RELIEF FOR THE COVID-19 PANDEMIC ) ALLOWING THOSE CUSTOMERS TO PUT THAT AMOUNT ON THE " BACK END OF THEIR AUTO LOANS '' ( IT'S ADVERTISED ) **BUT THEY REFUSE TO BUDGE ON DOING " ANYTHING TO ASSIST MY EMERGENCY MEDICAL NEED '' IN THESE TRYING TIMES** I HAVE BEEN CALLING TO KEEP MY VEHICLE ON A ( 10-DAY ) HOLD FROM BEING SOLD AT THE XXXX XXXX NC AUCTION . PRAYING THAT I CAN RETRIEVE MY " ONLY '' FORM OF TRANSPORTATION.
PLEASE HELP ME!!!
|
09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I contacted Capital One as soon as the charged amount accrued to let them be aware of the situation. I disputed the charge right away. Capital One filled the dispute using the wrong code and then later told me that they could not and would not change it.
I am not disputing the charge all together ; I am disputing the amount of the charge! I believe the merchant violated a couple different guides in the charging process and Capital One would not even look at the factors of the merchant! They initially charged back the amount and provided me with a letter stating the documents I needed to provide them with. I did that and then they said that I needed to provide a letter from another company in the same industry which is a car rental company. No car rental company would provide me with any such statement as they said that I am not a customer of theirs and it would be a risk liability for them to make such statement. I reported that back to Capital One and then they told me that I could not dispute the charge further without that statement.
A couple different dispute managers at Capital One was extremely rude and unwilling to even let me speak. I asked Capital One if I could send this to pre-arbitration and was told NO! I do not feel that I was treated fairly by them as a cardholder.
1st of XXXX requires merchants to identify each authorization as a final, pre-auth or undefined. Final and undefined authorizations will be valid for 7 days ONLY, otherwise a new authorization will need to be obtained. And pre-auths are equivalent to incremental authorizations and will be valid for 30 days. The last time that any type of charge, pre-auth, or authorization was ran by the merchant was XXXX and the max it was ran for was {$810.00}. The next charge was only XX/XX/2022 in the amount of {$9500.00}.
The issuer is responsible to ensure that the chargeback is submitted for the correct reason code. When I told Capital One that they disputed the charge with the wrong code they refused to correct it.
I requested that it be sent to pre-arbitration and Capital One refused to let me.
I also wanted to file XXXX Goods or services not provided. Since I bought the additional insurances that covered damage or theft 100 % - and then the rental company would not allow me to use it- buy stating that I simply just did not return the vehicle until a month and a half later is a complete and outright lie and they are using that to defraud me! The services and insurance that I paid an optimal amount for was not available to me when needed.
Specifically under the CAR RENTAL MERCHANT DISPUTE MANAGEMENT GUIDES IT STATES : o The merchant is required to obtain authorization on ALL transactions, therefore ensure proper authorization has been received between the time the car was rented and return is crucial. It says the merchant needs to keep a record of all authorization amounts and approval codes associated with the rental. The total amount authorized must be within 15 % of the actual transaction amount if the actual transaction amount is more than the allowed variance and additional authorizations required for the difference. In the event a decline or other non-approval response is received request a different form of payment. Ensure authorizations are process properly. Since I had a $ XXXX credit limit and they waited 45+ days to charged me {$9500.00} I am sure that this is not acceptable.
Transaction Processing- Transactions processed as a result of a loss, theft or damage are not valid and should not be completed.
Proper Disclosure- The cancellation policy needs to be disclosed to the cardholder at the time of reservation. I did sign the rental agreement and it does not state on there anything regarding theft of the vechile. More to the point it stated that in case of theft the customer would not be charged.
Bottom line is that Capital One is not providing me, the cardholder, with the assistance that I need and all throughout the process Ive felt as if they are representing the merchant.
Please help me. I am attaching my rental agreement, XXXX optional insurance statements, and other relevant documents for your review. Thank you in advance for any assistance you could provide to me. It would be greatly appreciated!
|
12/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
On XX/XX/XXXX I contacted Capital One to inform them that the car purchased on XX/XX/XXXX was a fraudulent transaction. I informed capital one that I was provided false car fax information and the information that the dealership sent on the car was incorrect. On XX/XX/XXXX Capital One contacted the dealership in which the car dealer provided more false information to Capital One. The dealer told Capital One that the car I purchased was not wrecked it was under manufacture recall. I explained to Capital One that this information was false and that the XXXX had provided me with documentation stating the vehicle was previously wrecked. Capital One stated that the only way that they could cancel the loan was if XXXX wanted to do so and there was no further action they could take to help me.
On XX/XX/XXXX I purchased a vehicle via loan secured by Capital One finance agency. On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, Tn. I drove the car on XX/XX/XXXX in which the car stopped shifting gears. I then took the vehicle to XXXX XXXX XXXX on XX/XX/XXXX to have the issues checked by the service department. Upon completion of the inspection the service agent informed me that there were no mechanical issues that he could see at the time. I drove the vehicle home, and two days later on XX/XX/XXXX the check engine light appeared on the dash board. I contacted XXXX the sales associate for XXXX XXXX to inform her of the check engine light. XXXX recommended I take the vehicle to XXXX for inspection. I drove the car to XXXX XXXX on XX/XX/XXXX to have the check engine light decoded. The XXXX XXXX employee informed me that there was an incorrect gear ratio message appearing but he didnt know what the code meant. I then took the car to XXXX XXXX XXXX XXXX, XXXX Tn on XX/XX/XXXX but was not able to have the car checked due to overload of vehicles for the holidays. The service agent XXXX at XXXX XXXX asked that I return Monday so that the vehicle could properly be inspected. I returned to XXXX XXXX Monday XX/XX/XXXX and the service agent XXXX inspected the vehicle. XXXX called me to inform me that the vehicle in which he inspected had previously been inspected by his location on XX/XX/XXXX. XXXX informed me that the vehicle had previously had impact to the vehicle and was no longer under factory warranty. I asked XXXX did XXXX XXXX have these damages fixed on XX/XX/XXXX and he stated no XXXX XXXX towed the vehicle back to there car lot in which he assumes I purchased the damaged vehicle. XXXX at XXXX XXXX also explained his theory that someone traded in the vehicle to XXXX XXXX and they did not properly check it, therefore they were just trying to get it sold by any means. Before purchasing the vehicle on XX/XX/XXXX I was provided a clean XXXX that stated the XXXX XXXX XXXX was involved in no car accidents. I asked XXXX XXXX the store manager of XXXX XXXX on XX/XX/XXXX why did he not tell me the car was previously impacted as XXXX stated upon providing me the XXXX. XXXX responded that XXXX at XXXX XXXX was lying and just wanted more money out of him. XXXX then stated that he would have the car towed to XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX. On XX/XX/XXXX XXXX also asked me to release the car to him to have it towed to XXXX XXXX in which I released the vehicle to him. On XX/XX/XXXX I then Contacted XXXX XXXX in which I spoke to a service agent by the name of XXXX XXXX. XXXX informed me that the facts provided by XXXX XXXX were accurate and that the car had been wrecked and improperly repaired. XXXX also stated that she can fix the car but more issues might arise. On XX/XX/XXXX I contacted Capital One to have the loan on the XXXX XXXX XXXX removed. Capital One stated that they could only cancel the loan if XXXX agrees and it was only his decision. On XX/XX/XXXX Per XXXX from Capital One stated that XXXX told her that the car has a warranty and has never been wrecked. XXXX also stated that the vehicle will be repaired free of charge to us by XXXX XXXX. According to XXXX from XXXX XXXX the vehicle was improperly repaired and needs new transmission lines, cooler evacuation, and recharged air conditioner, she also stated that these repairs could further damage the vehicle.
|
08/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Capital One I made a purchase by XXXX XXXX. Merchant was given the size of the bathroom 4x8x9.
Placed a order last week of XXXX. 2021 for tiles {$2900.00} and was promised delivery in a week on a Monday. On Sunday I had the Bathroom Demo completed as well as fixtures. Called Monday morning and was told delay till wed - thurs, called wed they said delay till next wed.
After the 2nd week I called and asked for the status of the delivery they advised only the Wall tiles arrived and waiting on the Mosaic Tiles & Floor tiles, Six weeks later I called the delivery arrived. Tile contractors laid down the tile and it only covered 1/3 of the bathroom after 4 hours of work. I called XXXX XXXX XXXX and advised there is not enough tile. Two weeks go by and then a delivery was received and was not told there would be a additional {$500.00} + dollars charged. Again the contractors arrived and laid down the tile and again it covered only the walls, no floor tiles.
Called XXXX XXXX XXXX again and still unaware of the {$500.00} charged I asked what is going on where are the floor tiles. Again they said they will deliver '' this week. ''.
Two weeks later I get a call and the delivery was outside and the delivery driver said he needs {$480.00}. I stated there must be some confusion because I already paid the bill. The Driver replied and said you have to work it out with the XXXX XXXX. I said ok deliver the tile and I will call the store. He then said that they will charge the same card that the {$500.00} + was charged on. Thinking the driver is confusing me with another delivery.
I called the store and asked what the charge for?
The reply was that I gave wrong info for the amount of tile to be delivered. My answer was I gave you the size of the bathroom. 4x8x9 and my contractor designed the schematics on a graph with the exact measurements, how am I responsible to know the amount of tile to order, thats the tile house 's responsibility.
Wanting to be done with this I asked whats the charge the answer was {$580.00}. I asked how did you get to that #. The reply was {$400.00} for tile and {$180.00} for Overnight delivery.
At this point I was beyond livid. I contested the overnight delivery and became irate after stating that the delivery is 6 weeks late!!! and that I will not pay the charge.
The store called the driver and instructed him to just leave. I called Capital One and advised that I wish to dispute the charge because the order that I placed was short shipped ( aside from the broken tiles ). Capital One made me fill out several pages and in one of the statements it stated that I need to go to a Merchant in the same line and have them write a letter as to what the issue is and how to resolve and the best course to remedy the issue. I wrote. N/A since this case did not apply. Had I fixed my engine by a mechanic and it still wasn't working then I would go to another mechanic and then pay the charge again for repair at that point the 2nd mechanic would have a reason and a incentive to write a letter. With my case going another tile house and asking them to write a letter with a reason why there was a delay and why I had to reorder more tile and why there is broken tiles. Even with this ridiculous requirements what is the probability to find a tile house that sells the same exact tile and that would write a letter on my behalf when there is nothing for them to gain???
I did go to 3 stores and obviously none wanted to get involved. The third store was XXXX XXXX and a assistant asked for the manager and when asked for a letter. The reply was sorry we dont do that and we dont sell the tile that you are showing us.
After calling Capital One and spending several hours on the phone with Supervisors I kept getting brushed off. At that point I was apprised of the {$500.00} + charge. I never approved the additional charge the reply was to contact the Merchant and ask for a refund. I asked the supervisor if any Merchant just decides to charge my card I am left at the mercy of merchant to refund me.?
I apprised the Supervisor that if practical sense is not applied to my issue the I will have no recourse but to pursue Arbitration.
Please look into the matter and advise what can done.
Regards
|
09/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
On XX/XX/2020 I paid my balance of {$490.00} with capital one, using my capital one 360 checking account. On XX/XX/2020 I reviewed both accounts and ensured that the payment had processed successfully and had cleared from my bank account. At this time I noticed a separate charge for {$45.00} had settled to my credit card and I paid that remaining balance using my capital one 360 checking account at this time. Everything seemed fine, until XX/XX/XXXX, when I received a notice from capital one credit that my payment of {$490.00} made on XX/XX/XXXX had been returned by my bank, and they adjusted my balance to reflect the returned payment. I reviewed my capital one 360 and found that the payment had not been returned, nor had I requested it to be returned. My capital one 360 checking account was showing the payment had been deducted as expected as of XX/XX/2020. I phoned capital one credit on XX/XX/2020, and spent an hour on the phone explaining to them that I had made the payment and needed them to correct their error. The representative conferenced in a representative from capital one 360 checking, who also confirmed that the payment had processed successfully and had never been returned. Despite this confirmation I was told that I would need to obtain a copy of my capital one 360 checking account statement after it was available and fax it in to capital one credit in order to " prove '' that the payment had been made. An investigation was opened at this time with capital one credit. On XX/XX/XXXX I was able to live chat with a representative at capital one 360 who once again confirmed that my payment had been successfully sent to capital one credit and provided me with the successful ACH trace number. This representative also informed that he could see there were 3 duplicate attempts by capital one credit to withdraw the {$490.00}, one of which was successful and matched the ACH trace he had provided. The other 2 attempts made by capital one credit were returned by my bank as being unauthorized duplicates. On XX/XX/2020 I once again contacted Capital one credit and spent another hour explaining to them the situation and providing the information I had been given by capital one 360. I was told I would still need to prove the payment by providing my bank statement once it was available. On XX/XX/2020 my statement with capital one 360 showing the posted payment of {$480.00} with no returned payments was provided via fax to the fax number given to me. On XX/XX/XXXX I once again contacted capital one credit to inquire about the status of my resolution and was told they had received no statement, and after another hour of explaining the situation I sent the statement once again to the fax number provided. On XX/XX/XXXX I received a notice from capital one credit notifying me that the investigation had been closed as they had found my payment of {$45.00} was processed correctly. I called Capital one credit once again and spent another hour and a half on the phone trying to achieve resolution. At this time my investigation was reopened and I was provided with a secure email I could use to once again provide my bank statement as proof I had paid. Detailed notes including the ACH trace were added to my case and I was given a temporary credit of {$490.00} while the investigation was worked on. At this time I used the secure email to provide my bank statement for a third time to capital one credit and also provided a screenshot of my transaction period up until XX/XX/XXXX to show that the payment had never been returned to me. I was contacted on XX/XX/XXXX by capital one credit to say that the investigation was still in process with no resolution and a follow up was scheduled for XX/XX/XXXX. I was assured that the temporary credit would remain on my balance until the resolution of the investigation. This evening, XX/XX/XXXX I checked my balance to find that a balance adjustment removing the credit had been applied, leaving my current balance at {$490.00}. My statement period closes on XX/XX/XXXX. It has now been more than a month that capital one credit has had my money and I have spent more than 4 hours of my time dealing with what appears to be a duplicate payment issue that is no fault of mine
|
03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Since my business is located in the XXXX XXXX I was affected tremendously by the hurricane Irma last XX/XX/XXXX. I was told by a friend that credit cards companies were helping people in Florida that suffered financially due to this natural disaster so, I called Capital One and asked them if they were offering any help to consumers in Florida that were affected. I was transferred to the department handling the program and I was offered no payment, not late fee and no penalty for the next three months which included XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then asked the representative if they were going to report to the Credit Bureau that I was not making payments because I did not want my credit to be affected, she said that because I was in the program they were not going to report that. I called several times after and spoke with different representatives because I wanted double check how the program really worked and I also wanted to make sure that my credit was not going to be affected. All of the times I called I was told that my credit was not going to be affected because they were not going to report any late payments to the Credit Bureau because I was approved to be in this special program. In XX/XX/XXXX when I received my bill I noticed that my minimum payment went from approximately {$68.00} dollars to {$180.00} so, I called Capital One in XX/XX/XXXX to inquire about that and because the representative I was speaking to was not familiar with the program I was approved to be on I asked to speak with a supervisor. I was transferred to XXXX, ID # XXXX and according to him in the first month after the program ended I was supposed to pay for the current month ( XX/XX/XXXX ) plus the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to what I asked him, what was the help they gave me if after the three months were over I was going to come up with money equaling 3 months of payments. To make things even worse during the month of XX/XX/XXXX they reported my account as delinquent to the Credit Bureau so my Fico Score went from being a good XXXX to a low XXXX, when I asked him why they reported my account as delinquent he said that I was supposed to make minimum payments during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained to him that I had called several times and spoke with different agents when I was enrolled in the program because I wanted to make sure that I was not going to have to make payments during those 3 months nor I was going to be reported to the Credit Bureau and all those times I was informed that my credit was not going to be affected since they were not going to report any late or no payments during those 3 months. I asked him to transfer my call to a supervisor from the department that handled the program since I spoke directly to them originally but he said that I could not be transferred. He said that if I wanted he could file a claim with the Credit Bureau to dispute the information that was reported by them. I said to him What is the purpose of me opening a claim to dispute that my account was reported delinquent as a mistake from Capital One if when the Credit Bureau contact Capital One to verify this information they are going to say that the account was in fact delinquent because I was supposed to make minimum payments during those 3 months? He said that he could not do anything else so I told him to file the claim. He explained that in 10 days I was going to receive a letter from Capital One about this dispute and that it was going to take 60 days for the Credit Bureau to update my records. I was supposed to receive their letter by XX/XX/XXXX and to this day I have not received anything yet. My Fico Score is now in the low 600s because after I made my payment in XX/XX/XXXX the account went from a derogatory status to a current one but because the delinquent information is still in my report my Fico Score has not gone up to the XXXX that I had before. The purpose of this claim with you now is to have Capital One removed the delinquent record from my account since that was never explained to me and also to report that they never help me during those 3 months since in XX/XX/XXXX I had to make up payment for all those months I was enrolled in the program.
|
10/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Capital One seems to be oblivious that the dispute is for an unfulfilled service, not a product. After I contacted Capital One regarding this matter, they asserted that goods were as described and received in good condition, which is absurdly false. There were no goods received and the service provided did not result as the merchant described when payment was made.
Before I engaged the merchant, the XXXX XXXX XXXX on my computer was not updating properly. I tried everything I could to fix, but couldnt so I searched on the internet for solutions. I came across XXXX XXXX that was represented as a possible solution, and had some good ( and no negative ) reviews so I went to their website on XX/XX/2021.
The only way to communicate with XXXX XXXX was through Chat via their website. Receipts were sent via email from a no-reply origin. Since I only wanted to fix the Windows Update issue, I selected the least expensive XXXX XXXXXXXX for Three Months at {$29.00} and paid with another credit card. ( This charge was also disputed and that charge was reversed. ) In the Chat, I explained that my XXXX was not updating and needed that fixed. I allowed XXXX remote access to enter the key for XXXX XXXX and then he proceeded to perform what appeared to be legitimate activities to try to fix this issue. After about an hour, he said that he could not fix the problem. However, if I purchase a premium support plan for {$190.00}, a second tier technician would work on and solve my issue. I debated whether that money would be better spent on a new computer with an upgrade to XXXX XXXX, but was assured that my computer could be fixed and upgraded to XXXX XXXX when XXXX support for XXXX ends. I said that I would consider the premium support plan for {$190.00} if I also got lifetime support for XXXX XXXX. XXXX said he would check with his supervisor. After I insisted that I would not pay the {$190.00} for the premium support plan without lifetime support for XXXX XXXX, XXXX said the supervisor finally agreed and then I purchased the premium support plan with my Capital One credit card to get my computer fixed. XXXX took over the Chat and remotely worked on my computer for about 2 hours, finally stating the XXXX Update issue was fixed and ended the Chat session.
Later, when I saw that my XXXX Update status was not current, I returned to the XXXX website and Chat with XXXX to state that XXXX was not updating. She said that it was updating properly. I then tried manually updating and it failed. Obviously the issue was not fixed as promised, or as later falsely stated by XXXX. I asked XXXX for a copy of the Chat to document the transaction. She said she would email it to me. I never received it, and I then later asked again for a copy of the XXXX. It was never received although reputable organizations will make copies of Chats available.
I immediately contacted Capital One to dispute this transaction. Capital One mailed me a dispute form and I completed it with transaction details, and a screenshot dated XX/XX/2021 showing XXXX updates failing and mailed it back to Capital One. Although I provided all available information, I received a letter dated XX/XX/2021 from Capital One stating I did not provide requested information and my case is closed. On XX/XX/2021, I called Capital One to appeal that decision. After being transferred four times. I was told the following.
I did not provide proof that the merchant didn't send me a refund or voucher. ( How the heck do you prove something that never happened!?! ) I did not provide a second opinion. ( How is this done if the transaction was just between me and the merchant? ) These requirements are ridiculous and unscrupulous. I was also told that Visa/Mastercard rules do not allow Capital One to reverse the charge ( although the other credit card company did. ) I will not be victimized by an unethical merchant based in XXXX or tolerate Capital One to enable this fraud. I already closed my credit card account and regularly communicate to Capital One that I refuse to pay the {$190.00}. Now this charge with additional fees and penalties appears on my credit reports. I am also disappointed in Capital One that I must expend this effort for this obvious fraud issue.
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02/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
|
Hello, I like to inform the CFPB about my accounts I have with Capital One Bank. Here are the accounts I have that has been closed with Capital one Bank : XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX I have had those two accounts Since XXXX account ending in XXXX and XXXX account ending in XXXX. I had a previous account with Capital One as far back as XXXX. I started banking with Capital One a long time ago I can say since XXXX are longer. I have never done anything to bring any suspect activity to my accounts. I open a business account with Capital One XXXX XXXX then I was asked to open a new business account # XXXX after the business account was locked that I had before opening the new account.. I open the new account in XX/XX/XXXX you will see the two statements I have for that account number. I was seeking funds to help with my real estate project fix and hold house. I had {$33000.00} deposited into my XXXX XXXX Checking account XXXX on XXXX XXXX, XXXX. I called the bank just to ask and see if the funds were good funds and the wire was a good wire transfer. Not long after that the bank started investigating the wire. But no one at the bank whom I talked with could tell me if the wire transfer was a good wire. I talked to several people at least over 6 people. All of a sudden by the end of XX/XX/XXXX Capital One Bank closed all my account. Both business and personal account. But never really telling me why my accounts was closed with my funds in the accounts. In fact, they never had the investigating agent contact me on what is going on with my accounts. I have done everything I have been told to do to help the situation. I spoke back to the broker who worked on my loan. And he said that XXXX Bank told them the wire has been successfully done.
At, this point Capital One Bank needs to make a decision on what is going on with the funds in my account. If Capital One is ending the Banking relationship with me then I need an full explanation of what I have done. There are recording that Capital One should have from each representative I spoke with. Because I don't understand what I did wrong by asking to check on the funds coming into my account.
This transaction was for a private money loan to help with the repair cost to rehab a residential property. I was told the funds was private money. That the Broker seek the funds from his business partner. The funds was deposited into my Business account and while they was checking into the funds. I was told to open another Business account because the bank couldn't get in touch with anyone from XXXX XXXX XXXX to confirm the funds. So, the bank decided to close all my accounts. My personal check and savings account had nothing to do with this transaction. I have never had this problem when I had funds help in my account before. I have had large sum deposited into my account. As you are going to see from my statements on the business account. The person who is handling XXXX # XXXX has not even contacted me on what is going on. Also, to give me a reason to what I have done wrong to have my accounts locked. This has been going on since XXXX of XXXX over 40 days. My investment property will have a lien placed on it and I can't sell the property. Because of what Capital One is doing. I would like Capital One investigator to explain to me what is work with my application that I was approved of the loan. They never talk with me to tell me what they saw wrong with my application. Please explain to me what is wrong with my Banking activity. I need to speak to higher authority in the Consumer Protection Department. I need to speak to whom ever is over the entire department. Someone who can make a fast and quick decision. Someone who can understand I have not done anything wrong but asked a question to protect my account and my banking relationship. Instead I think Capital One Investigators are looking at me as the problem. Why would anyone call it in themselves to check the funds. And since XXXX Bank never reverse the funds tell me what is going on inside Capital One bank Investigating Department. As you can see from my Bank Statement I hade more that that sent to the account in XXXX of XXXX. No one held my funds then so why now hold my funds.
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07/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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This is about three credit cards that I have with capitol one bank/ credit card company I want a contact person at capitol one 's corporate office so IF I need to speak to some one I can get straight thru and if They are not available I can leave a voice message etc except for identity theft issues, MOVIN FORWARD But before we do that these issues need to be taken care because they haven't been that is why I am writing to You folks once again to possibly have You finally do something with out me having to lose the use of my 3 capitol one credit cards, below!
Please forward my letter to the ceo 's office and for all governmental agencies please forward all suitable depts and other federal, state , county and local agencies to help me out with this issue. With the consumer financial protection bureau I am filing another complaint ( against capitol one and this is not a duplicate but basically the same with new info since they have not done anything to help me out see below ) and They need to write me back with a name/ title and direct phone # of the person handling my case via us postal service to me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX landline XXXX XXXX XXXX I don't own a cell phone and don't this kind of stuff online except to write You folks~~ https : //complaint.consumerfinance.gov/submit-a-complaint/s/products? sessionid=bfbf83c693295d61d2ababd6be1a44a3e5f69e21beb1f5d9c24f44830c8b40300d37db23c8dab2a69ec90e23f74018023bc6e42ebb90e7dd5c1dcb4b9a278df0 # 500t000000KyihZAAR I will only use the last 4 digits on my cards to discuss what needs to be done and what I expect ~ for card ending in XXXX on thursday morning XX/XX/19 I called into the tel # XXXX XXXX XXXX XXXX and was on hold for over an hour before I got a XXXX XXXX person and than had to spend another 25 minutes before I got an american based operator from my phone I only want american based operators ANYWAY I called in to do 2 disputes because I got sick either from one or the other or both on wednesdayXX/XX/19XXXX XXXX XXXX for approx {$8.00} ( my receipts are gone long story ) and from XXXX XXXX approx {$6.00} ( put these items into dispute ) but because I was on hold I want at least {$100.00} for this time on top of the I believe it was {$2000.00} I had asked for previously and also I want this card to be made interest free until at least XX/XX/XXXX and for You to also apply any cash back rewards I might have on my card as well.
card ending in XXXX because I am out of work and just had XXXX XXXX I applied for a XXXX grant that I would not have to pay back thru this union plus card, I would like as of XX/XX/19 the total of {$360.00} in interest charges to be credited back to me as well as You making this card interest free thru at least XX/XX/XXXX and to get a {$2000.00} credit for my wasted phone time trying to get thru to You folks ( I realize that You want to automate and cut back on actual humans so by paying me You will better staff Your phone lines so moving forward the hold time will be much less and your actual workers won't have to much work to do since the work load can be spread out more fairly ) Card ending in XXXX I need this card to be made interest free at least thru XX/XX/XXXX and have the interest charges as of XX/XX/19 of {$72.00} credited back to me along with any outstanding cash rewards applied back to lower my balance and at least {$2000.00} for my time as Previously requested. IF You value Your customers all You can get from me at this time is good will and hopefully if You do righ by me the various agencies looking in to You won't sock You with major fines etc..
Mail Credit Card Payment Find the right address for your payment.
Mail General Correspondence Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investigate a Misapplied Payment Capital One Attn : Payment Investigations XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Dispute a Credit Card Charge Capital One Attn : Disputes XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Report Suspected Credit Card Fraud Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX https : //www.capitalone.com/ Capital One BankMore Contact info PHONE ( XXXX ) XXXX CallADDRESS XXXX XXXX XXXX XXXX XXXX VA XXXX
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07/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
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Web |
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I have opened a CapitalOne 360 account. For a couple of months I did monthly transfers using XXXX using my CapitalOne account. After a few months later, all of a sudden I was asked to verify my phone number by them texting me a code. Since I am a CapitalOne credit card holder for nearly ( or over 10 years ) I wasn't sure what is the point to verifying my number when they have it on file. However, they could not verify my number stating that it's either a VoIP number, a non-US number, is not registered to my name, the billing address is not what they expected, or the number is billed to someone else.
I have also encountered the same problem when I am trying to add someone as a joint account holder. They are unable to verify my phone. I have the phone number registered to my name for over 7 years. This is my only mobile number and this is my first mobile number. I have never created, used, or owned any other mobile number or SIM card.
The person I was trying setup a joint account with has the exact same problem. Has the mobile number from the same major US carrier for over 10 years, but that person 's phone number can not be verified either.
Every time I talk to an agent, they give me the run around and they each tell a different story. I have contacted my phone carrier. There is no block of any kind on my phone, is able to send and receive text messages. We both live at the same residential address and have the mortgage and house on both of us ' name for 11 years.
I have been trying to resolve this issue for a week, but the last time I contacted CapitalOne the agent told me that the number has to " settle '' which could take a few months. Seriously!? Settle? A few months!? What is that, a newly constructed house? Why was I able to do XXXX transfers in the past couple of months without any issues or verifying my phone number and all of a sudden I am not?
Both of us has a joint CapitalOne credit card for over 7 years so they know we are linked. They have all the information they need that is years old and haven't changed since. Yet they are giving the run around with different story each time I call. The number has to " settle '', the phone might be " blocked '', the carrier is at fault, etc, etc, etc.
I find this unacceptable that a banking system in 2019 would be so messed up. At the very basic level, CapitalOne should disclose what verification they use for the mobile phone ; with which 3rd party company ; and what ( if any ) requirement they need in order to verify mobile numbers. If they have a problem with any of us ' mobile number, they should disclose it in detail what the issue is so that it can be rectified and not treat it as a secret.
Reading online sources, some people say that prepaid or pay-as-you-go phones are not " qualified '' for banking purposes because there are no SSN associated with them. But these are unconfirmed guesses from the general public. However, even if this would be the case, I would also find it unacceptable that one has to purchase a $ 70+ monthly postpaid subscription in order to conduct basic banking online services such as money transfers and creating a joint account.
CapitalOne has no branch in the state where we live so it is not possible to walk into a branch personally and present a driver 's license. As more and more people turn to and use online services including banking, online/paperless accounts for paying bills, loans, and everything in-between, banks should disclose the exact requirement needed for phone number verification and not leave customers in a limbo state not knowing why and where the error is. Customer support agents should not have their own " story '' of why this happens. Banks should know and provide customers the exact reason errors happen so customers can take steps, if necessary to correct them.
Just like if there's an error in someone's credit report, this can be remedied ( hopefully ) by contacting the credit reporting agency. However, when banks give nonsense information and are not willing to disclose the third party they use for verification so customers don't even have a chance to find out why the problem exist and take corrective action, frankly, I would not call this acceptable in 2019.
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11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
In XX/XX/XXXX I file a dispute with the credit bureaus ( XXXX, XXXX and XXXX ) ( When I refer to credit bureaus I am referring to all 3 listed above ) Capital One stating late payments for the following accounts XXXX was reported late for XX/XX/XXXX and account XXXX was reported late for XX/XX/XXXX through XX/XX/XXXX. I received a letter for each account from Capital One dated XX/XX/XXXX and XX/XX/XXXX confirming that they were reporting as current to the credit bureaus as for those months. Yet the credit bureaus showed late. I then faxed and mailed those letters to each to fix my report.
On or about XX/XX/XXXX we realized that the credit bureaus still had not corrected my credit report when I applied for a mortgage. I was not approved because this was still showing as late. I lost two houses I was interested in because this was not rectified with all three credit bureaus.
I contacted Capital One and was told that it was sent and I had to wait 60 to 90 days for them to correct my reports but under the FCRA Capital One and credit bureaus had 30 days to fix and change to showing current which wouldve been XX/XX/XXXX.
On XX/XX/XXXX I contacted XXXX XXXX to reapply for another house I found being the 30 days had passed for all this to be corrected and to only find out its still being reported incorrectly.
I contacted Capital One 6 times from XX/XX/XXXX thur XX/XX/XXXX and was given the runaround. They sent me a fax on XX/XX/XXXX stating for both accounts for they were forwarding to the appropriate department and would send a letter the outcome of the investigation within 15 days. ( Please see letter is attached ). This shouldve been resolved by the letters from XX/XX/XXXX which are also attached stating they were correcting. I sent this information to XXXX XXXX and they would not approve me for a loan again because the information is being reported in accurately to the credit bureaus.
I also contacted each credit bureau which I will be filing a complaint against the three of them as well. None of them received either letter or my faxes stating the outcome which was correcting my credit reports to showing a current status because they incorrectly did not report properly.
After speaking with the supervisor for the last time at Capital One, he forward on my behalf again a Non Credit Dispute Form submitted for both cards reason was for this issue had been discussed more than six times and asked for a speedy resolution. Again, neither of the credit bureaus receive that as well.
Capital One had verbally told me they were correcting this issue in a timely manner and not to mention two letters stating the same. Im not sure who was at fault here whether it be Capital One or the three credit bureaus unfortunately, with this error being reported incorrectly it has caused me to lose three properties that I was interested in because of their incompetence.
I have outstanding credit and my FICO score was dropped to XXXX and below because of this. All should be held accountable including the credit bureaus for not correcting the situation and I was unable to get approved for a mortgage. My Fico score was XXXX prior to this and now because Capital One was showing these accounts as late it dropped significantly.
All involved not only took more than 30 days they also did not fix the errors. I should not have had to call numerous times getting an information not to mention that the rep from XXXX on XX/XX/XXXX refused to speak to my POA XXXX XXXX with me sitting there with her because I have a XXXX when I speak. I asked for a Supervisor his name was XXXX and he too would not allow me to have him on speaker phone with my POA to speak on my behalf. He said that he could not help me if I could not speak to him off of speaker phone he would disconnect and the struggle I had doing so and the frustration and anxiety that built up because he was disrespectful. This is why I have a POA. Now tell me that is not a violation of the ADA laws.
I want these corrected immediately and for them to be held accountable for not forwarding these to the credit bureaus and the credit bureaus to for not honoring my mail and faxes. All documentation will be included that will support this complaint.
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09/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
On XX/XX/2018, I applied for a Capital One XXXX Credit Card online using an offer code I received in the mail from Capital One. I was approved online and received email communications that I would receive the card Tuesday, XX/XX/XXXX. On XX/XX/XXXX, I received the credit card, however, I also received a letter that there was suspicion that the account was opened fraudulently using my personal information. That same evening, I called the number provided on the letter and spoke to a representative from the fraud department. I was instructed to provide documentation to prove my identity, and they emailed me a link to their portal to submit the documents. I submitted the following : The front and back of my current and valid NYS driver 's license My social security card An XXXX cable bill from XX/XX/2018 A XXXX XXXX XXXX XXXX bank statement from XX/XX/2018 I promptly submitted the paperwork online that evening, and was told I would receive a response within 72 hours. Shortly before XXXX on XX/XX/XXXX, I received a phone call from the fraud department. I was told that the documentation submitted had discrepancies, the account would be permanently restricted, and could not disclose any details as to why or what discrepancies were in those documents. I asked if the hard inquiry for applying for the card would still show up on my credit reports. She confirmed they would. I requested to have them removed, since the account is locked and they refuse to acknowledge that I am the person who applied for the card. The representative transferred me to her supervisor, XXXX. He reiterated what his associate had told me, and stated I needed to contact the credit bureaus to have the inquiry removed.
at XXXX on XX/XX/XXXX, I called XXXX to dispute the hard inquiry from Capital One. I was instructed by the representative that in order to remove the inquiry, I need a letter of deletion from Capital One. I called back Capital One through the phone number that appears on my XXXX credit report. I spoke to a representative named XXXX, who transferred me to a fraud department manager XXXX. After being placed on and off hold, re explaining my situation, he transferred me to XXXX, his manager. After explaining my situation, he stated that they can not send a letter of deletion for this situation. This makes absolutely no sense : You claim I am not who I say I am and this account was opened fraudulently, yet a letter removing this " fraudulent '' inquiry can not be done? Exasperated, I ended the call.
I have a credit score of almost 800, no late payments, over 7 years as a customer with XXXX. I have opened credit cards and credit lines with : XXXX XXXX, XXXX, and XXXX, and I have never been requested to submit documentation to prove my identity, let alone be denied on the basis of that documentation. I do not agree with the policy that they will not release the reason for disapproving my identity documentation. If there is a discrepancy in my identification documents versus what is in my credit reports or public records, I would like to know so I can contact the appropriate agencies to correct it. After reviewing my credit reports from all three bureaus, I can not find any evidence of discrepancies when the information is compared to my identification documentation.
It is not fair that I am being penalized on my credit reports by having this hard inquiry placed against my account, when I have been fully cooperative and submitted all of the proper paperwork as requested. Receiving this credit card was on a time-sensitive matter ; having this hard inquiry mark on my credit report means I am at jeopardy of not being approved for credit, or receiving a higher interest rate, if I apply for a loan or credit card with another bank. I do not have time to wait 2 years for this inquiry to come off my credit report. Capital One needs to review and change their credit application procedures to avoid having hard inquiries placed on " fraudulent '' applications and accounts, and most importantly, procedures need to be in place in providing a letter of deletion if an account was opened " fraudulently '' as they claim. This is the first, only, and last time I will ever conduct any business with Capital One.
|
10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
You failed the requirements Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) A financial institution you have disclose nonpublic personal information to a nonaffiliated third party ( XXXX XXXX XXXX ), without following the requirements pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) you failed to provide a clear and conspicuously notice, in writing or in electronic form or other form, that such information may be disclosed to such third party ; ________________________________________________________________________ clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, CAPITAL ONE You failed the requirement pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ), i consumer was not given the clear and conspicuous opportunity, before the time that my nonpublic personal information was initially disclosed, to direct that such information not be disclosed to such parties XXXX, XXXX, XXXX in addition you failed the requirement pursuant to 15 usc 6802 ( b ) ( 1 ) ( C ) i the consumer was not given a clear and conspicuous explanation of how i the consumer can exercise my nondisclosure RIGHTS GIVEN TO i BY CONGRESS at the time of establishing the relationship between i the consumer and you the financial institution described pursuant to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), You are violation of the Gramm Leach Bliley Act and to be held liable due to the reason you have cause to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom CAPITAL ONE has shared to either a employee, officer or agent of such XXXX consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to 15 usc 6823 ( a ), CAPITAL ONE violated the Gramm Leach Bliley Act pursuant to 15 U.S. Code 6821 ( a ) ( 2 ) caused to be disclosed to each person, XXXX XXXX XXXX my customer information of CAPITAL ONE the financial institution relating the natural person ( XXXX XXXX ) authorized representative of ( XXXX XXXX ) by making a false, fictitious, fraudulent statement ( privacy policy ) to ( XXXX XXXX ) the natural person authorized representative of ( XXXX XXXX ) the Corporation and customer, of CAPITAL ONE who is a financial institution i do understand CAPITAL ONE states they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a ( f ) of the FCRA, 15 U.S. Code 1681 ( b ) you have no permissible purpose to furnish a report on behalf there so you failed to comply with the requirements imposed under the FCRA 15 U.S. Code 1681e limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. And furnishing a consumer report to a persons XXXX XXXX XXXX while having reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 6821 Pursuant to 15 U.S. Code 6823 ( b ) it states Because you violated, section 6821 of the Gramm Leach Bliley Act while violating another law of the United States ( Fair Credit Reporting Act ) you shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, or imprisoned for not more than 10 years, or both if i bring action against any related persons With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX
|
01/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Back in XXXX or XX/XX/XXXX, Capital One decided to close both of my credit card accounts with them for no exact reason which is a direct violation of the Equal Credit Opportunity Act as they are supposed to provide clear and specific reasons why they would take adverse action against the original creditor aka the consumer that extended their credit unto them. The alleged reason as to why my account was closed was never provided in writing, but over several phone calls with Capital One XXXX 's they informed me that the main reason why both of my accounts of almost 7 years ( XXXXXXXX XXXX XXXX XXXX XXXX ) was closed due to returned payments. I went on to explain that the issue with the returned payments was with my XXXX XXXX XXXX account charging unnecessary bank fees which caused my account to go into the negative unbeknownst to me at the time of payment, in which I actually proved that through a XXXX hour phone call with Cap One getting on the phone with a XXXX XXXX XXXX XXXX reviewing over my account charges on the day of payment to confirm this, yet they still refused to reopen my account. Previously to my accounts being closed, I have always had nearly perfect payment history throughout the whole entire time with Capital One without any issues whatsoever. I see on social media that Capital One has an uptrend in closing out consumers credit card accounts without any prior notice, warnings, or reasoning behind them. They claim that the returned payments are a default and reason to close down a credit card account within the cardmember agreement. I took the time out to review their XXXX and found SEVERAL violations to Title 15, Title 18, Fraud, and many other violations in regards to consumer 's privacy. Any evidence of fraud within a contract or any kind of agreement automatically makes that agreement NULL AND VOID. After Capital One closed my accounts, I remember this as if it was yesterday. I check my gmail updates and I see a notification from XXXX XXXX informing me that both of my accounts had been completely closed. When I go to check my score it dropped over XXXX points because of this and I XXXX near broke down in tears because I couldn't believe my eyes. I was so confused as to how this even came about because even though I got the notification that the payment had been returned, I still made the payment the day of I got word of the returned payment. Again, they claim that this was XXXX of the main reasons why they closed down my credit cards due to me having XXXX in a short period of time ; but I don't believe that is a reason to close down a person 's credit card account ESPECIALLY after almost XXXX years of having an amazing business relationship with them and always paying on time. This decision was overkill because not only did they close down my account and refused to reopen it after proving that it was a bank error, they constantly harassed me and extorted me by demanding that I still make payments even though I won't have access to my own credit. COMPLETELY asinine. I was also informed that it was a computer that made this decision to close out the account ; not even a real human being. On the phone I asked if the computer was racist, because I genuinely couldn't believe that I was targeted like this after this long of establishing myself as a good customer of Capital One without any prior issues. I have sent plenty of letters addressing the issue doing everything I could to get my accounts reopened and all they did was continue to send the same letter back stating moot claims that they won't be able to reopen it never stating the exact reason why. But to add even more insult to injury, Capital One blatantly knew they were committing fraud for nearly 7 years by allowing me to pay cash in a consumer credit transaction that was already prepaid upon approval of my application because I extended my credit card to them ( XXXX ) that paid for the account. This is beyond abuse and I am demanding that I get compensated for my pain and suffering accordingly. Capital One believes their cardmember agreement supersedes federal and congressional laws and this is treason. They need to be put in check for all of their abuse to several consumers across the Nation.
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07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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To whom it may concern I Purchased three airline tickets through cheapo air. The total cost was {$660.00} this was the charge that was charged to our card XX/XX/XXXX. Then a charge for {$190.00XXXX XXXX XXXX charged us. We were told that we would have to purchase luggage and seats through frontier. Then XXXX XXXX came back and said they could do it we were charged an additional {$1400.00} XX/XX/XXXX. We called XXXX XXXX about the excessive fees that we were being charged. They said that they would get an adjustment on the account. A credit of XXXX was added to our account that meant a balance of XXXX was added for upgraded seats and luggage. XXXX we had to cancel our flight due to the virus. Our trip was supposed to leave XX/XX/XXXX. We had also purchased travel insurance. We also purchased the price drop etc. after canceling our trip we filed a clean with cheapo air for the insurance to pay. Which they did not do. We also contacted capital one several times to block XXXX XXXX XXXX or anybody else charging onto our account. Which they told me several times I could not stop them from charging on my account. Filed complaints with capital one several times capital one not taking our side taking XXXX XXXX side. Saying we purchased tickets that were nonrefundable. When we purchased the tickets we were told that the insurance would pay if we had any problems due to health issues or whatever reason is what we were told. We also took the other three policies they had. Capital one was not there to stand by us at any time we spent numerous times on the phone with them. Capital one not sending us responses from frontier at all. How are you supposed to respond when you don't have all the information. Capital one was at fault many times and a manager that I spoke to in May saw that. She said capital one should eat this for all the problems that you have had and I see that we were at fault at not sending you all the information. Capital one continue to let XXXX XXXX charge on our card. After filing a XXXX XXXX XXXX claim against XXXX. Since you couldn't get them on the phone. Or they just didn't wan na respond to emails calls text, XXXX nothing. After XXXX responded to a XXXX XXXX XXXX complaint guess what I got a charge of {$590.00} on my capital one bill. This was for rescheduling a fee that might take place in the future. My family and I are three high risk people. Me I have XXXX and XXXX XXXX. My wife XXXX XXXX XXXX among other things. My mother-in-law the same issues we were told do not fly. So when I gave a tentative date to the XXXX XXXX XXXX it wasn't I was flying those days that was clear upfront. When XXXX Book the flight I said XX/XX/XXXX because the wedding was going to be the XXXX and XXXX. And my family is from New York we did not want to fly XX/XX/XXXX. For obvious reasons would've never of picked that day frontier came back to the XXXX XXXX XXXX and told them sorry we don't have any flights XX/XX/XXXX you'll have to leave XX/XX/XXXX. This is something that was not something that I would ever do my family would never ever ever do. But yet I was stuck in a hole capital one was not backing us up they continue to let frontier charge on my account card. XXXX continue to bill and book things that I never booked. Capital one said oh well they gave you credit for it I'm hello look at the numerous fees that we've paid up to this date let 's review XX/XX/XXXX {$660.00} XX/XX/190 XXXX. XX/XX/XXXX {$1400.00} XX/XX/XXXX {$590.00}. For a grand total of {$2800.00}. Also XXXX XXXX has given us only {$1200.00} worth of airline credit. To our understanding the rest we have to eat because it's for fees of whatever kind. If capital one had turned over the paperwork numerous times we could maybe say what that {$1600.00} is for. But they didn't do that numerous times we've asked them let me speak to a manager they've hung up on us numerous times. When we did get a manager we asked for it to go over the managers had to MoveOn to escalate the problem. That was never done no paperwork was ever sent Nor was the problem escalated. We have filed numerous complaints against frontier with the DOT the governor XXXX XXXX XXXX. No one seems to care and now you let 's see where this one goes.
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02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I received a notification from XXXX on XX/XX/2022 that someone had attempted to open two credit card accounts and one jewelry financing account in my name. The two involved credit cards were a XXXX XXXX card and a Saks-Fifth-Avenue-branded Capital One card. XXXX XXXX XXXX for XXXX XXXX was the involved jewelry financing institution.
I contacted all companies immediately and was able to block the credit applications as fraud. The XXXX and Capital One representatives stated that the hard inquiries would be removed from my credit reports within 60 to 90 days. Inquiries from XXXX XXXX Bank never reached my credit reports.
I then contacted XXXX, reported the inquiries as fraudulent, and they subsequently removed them and placed a fraud alert on my report.
I then filed a dispute on XXXX 's website to let them know that the involved hard inquiries were fraudulent. Their team claimed to have verified them with the involved companies as being accurate, which is false, as those creditors ' representatives explicitly confirmed to me by phone that they'd marked them as fraudulent.
I was unable to access XXXX 's website despite providing accurate personal information, so attempted to contact them via phone where I was told that I'd need to contact them by mail.
I was able to lock my XXXX credit report using XXXXXXXX XXXX app and then froze my credit reports with XXXX and XXXX.
I submitted an identity theft affidavit to the FTC ( attached ) and sent a copy to XXXX, who elevated my fraud alert to an extended fraud alert.
I mailed copies of the affidavit as well as the involved credit reports with the fraudulent inquiries highlighted to both XXXX and XXXX.
In the interim, and to their credit, XXXX removed their inquiries from all of my reports and sent me a confirmation letter that they had converted them to soft inquiries, which don't impact my XXXX XXXX.
I telephoned and offered copies of the FTC identity theft affidavit to Capital One and XXXX XXXX Bank. XXXXXXXX XXXX Bank had me submit a copy of the affadavit to their fraud department via email. Capital One declined a copy of the affadavit.
I received a reply from XXXX that they required more identity information, despite my having sent them copies of my driver 's license, passport, and social security card. XXXXXXXX XXXX reply claimed that they verified with Capital One that the inquiries were legitimate, which is again, false, according to Capital One 's agents, and stated that they required a letter from Capital One confirming that the hard inquiry was fraudulent.
Shortly after I received their reply letter, XXXX removed the CapitalOne/Saks Fifth Avenue inquiry from my report, so my issues with them are resolved and the only remaining trouble is with XXXX and Capital One.
I contacted Capital One in XXXX and relayed XXXXXXXX XXXX request for a letter to them. The agent refused to provide a letter and informed me that it could take up to 90 days from the initial inquiry to remove the fraudulent inquiries from my XXXX report and to wait until the XXXX of XXXX, which would mark three months, after which they would provide me with a letter to relay to XXXX if they still hadn't removed the fraudulent inquiry.
On the XXXX of XXXX, I pulled a copy of my credit report from all three bureaus and found that XXXX was still reporting the inquiry from Capital One ( attached ). I phoned Capital One again and informed them that the 90-day window had passed and that XXXX requires a letter from them in order to remove the fraudulent inquiry. The agent again refused to provide a letter and said that that " sounded strange of XXXX '' and relayed me to a different associate who confirmed that the inquiry had long been marked as fraud and that it would be removed within 90 days of the initial hard inquiry. I reminded him that it had already been 90 days from the XXXX of XXXX, he sounded surprised, and then asked me to " give it 30 more days. '' At this point, I believe Capital One is simply trying to stall the situation, yet XXXX absolutely refuses to remove their fraudulent hard inquiry from my report without action from them ( and despite the inquiry having been removed from reports from the other credit bureaus ).
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11/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
I have been using Capital One credit card for over 10 years. On XX/XX/XXXX, in the late evening, I received an email alert from Capital One informing me your card was declined : its expired further stating, Hi there, A recent purchase was declined because you or someone on your account used an expired card.
Its time to use your new card and shred or return that old plastic. Then you can retry your purchase, if needed. To be clear, the card referenced above expired in XX/XX/XXXX, and I shredded that card immediately after receiving the replacement that does not expire anytime soon, and I do not have any additional users on my credit card.
I immediately called Capital One and was informed that I should instead contact my insurance company ( XXXX ) since someone from there attempted to use an expired card. It was after hours, therefore on XX/XX/XXXX, I called my insurance company, as well as checked my online account. I discovered the card on file for monthly insurance automatic payments was indeed the XX/XX/XXXX credit card.
I called Capital One back and was told initially by a rep that there are some companies that Capital One has an agreement with, and those companies, when apart of the program, will receive automatic updates of their credit card information. This did not make sense and I requested to speak to someone else. The call was then answered by a supervisor who repeated what the rep stated, and added that maybe my insurance company was once a part of the program but now they are not ; so when the insurance company attempted to process the charge, it was declined. Sounding very proud, I brought to her attention that the same company had already successfully processed payment for XXXX She then put me on hold, and returned with, oh yes, I see nowI was looking at your latest statement.
I then called my insurance company who stated they are not a part of any program under those conditions explained by Capital One and was not aware such conditions existed. The insurance company could not see what department the charge originated from or could conclude why a second charge was attempted since they had already received an on time payment.
Here lies my problem with both companies. The insurance company had already charged me on XX/XX/XXXX, the payment cleared and posted, so it is not apparent as to why a second charge was placed and for Capital One, the complaint stems from the company having the sole authorization to process or decline such a request, and they chose to process charges over and over.
Once my insurance company confirmed they are not a part of any program for updating expired cards, I called Capital One back. I spoke with a different supervisor who understood my concern unlike the first three Capital One representatives I spoke with. She said, That is alarming because an expired card should not be processing charges. She contacted Capital One billing department whom she stated did not have an answer. She then contacted the fraud department who confirmed there is a program that does exist with those conditions, but, the program does not have a name. In Capital Ones policy, it is centered on the wording of continuing merchant charges. Thankfully the supervisor had already referenced that verbiage, and she informed the fraud department that was not my situation as the card has never been reported lost/stolen, so that section would not apply to me. In the end, Capital One fraud department could not or just did not provide the supervisor with any additional resources for her to explain to me what had been taking place on a monthly basis from XX/XX/2020-XX/XX/2020. XXXX said they do not require security codes for reoccurring charges, only card number and expiration date, so in all fairness, the charges should have been declining since XXXX or until I updated the expiration date in their system.
No other issues have taken place with the use of my card prior to this. I suspect XXXX fraud in some form as the charge declined was {$1.00}, and that could easily be a test to see if the card is still working. However, I would like to understand from Capital One, why or how were payments authorized for an extended period on an expired card. Thank you.
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04/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX approximately, I placed an order for a chandelier with Pottery Barn on my Capital One/Pottery Barn Card. The item was an open box item. On or about XX/XX/XXXX I reached out to PB Customer Service and informed the agent that I was missing one of the glass sconces. I let her know that I just identified the issue because I had to hire an electrician to install the new chandelier to a 20-foot ceiling. At this time, I asked the specialist if I should hold off on the install, her response, no someone would reach out from the company to get you a replacement piece. I was willing to pay for the replacement since it was an open box item ; despite the website not indicating parts would be missing. The website indicated, wear and tear, scratches, etc., but no missing pieces. I never received a call back from PB, so I followed up XXXX XXXX, and was told that they did not have replacement parts and the manufacture does not just sell replacement sconces. I tried to offer possible solutions the agent that I spoke with was not cooperative, and the next day I received an email from her manager indicating she would make a one time exception to return the item. I explained that it is installed to a 20 foot ceiling that it would be an additional {$500.00} on top of {$500.00} that I had already paid to install it. I once again asked if she could send me a similar sconce that matched the one on the chandelier, she keep on insisting the only recourse would be an exception to return the item. Again, I told her the cost would be {$500.00} to uninstall. She then wanted to state policy, I indicated what was discussed and displayed on the website, no mention to missing pieces/parts. This went back and forth, and after being uncooperative or providing a viable solution I informed her I would just reach out to my credit card company to dispute the charge.
On or about XX/XX/XXXX, I contacted Capital One, and opened up a dispute regarding order # XXXX for {$390.00} + {$39.00} + portion of tax charged {$35.00}. A dispute was opened for {$530.00}. I received a letter in the mail requesting additional information by XX/XX/XXXX for my dispute. A provisional credit was issued for {$530.00} ib XX/XX/XXXX, I paid the balance down to {$0.00} ; on XX/XX/XXXX, there was a debit for the provisional credit ; and my statement cycled on XX/XX/XXXX ; resulting in a minimum payment being required ; and the balance being taken off the promotional balance. To avoid any possible negative consequences with the bureaus I made a payment for {$130.00} on XX/XX/XXXX. I called Capital One the issue of the card to explain the situation ; I was advised that they debited the account because they received proof from the merchant. At this time, I explained I was not disputing receiving the merchandise ; I was disputing the issue above. After going rounds with the customer service representative and being placed on hold, no assistance was provided. I am still within my dispute time frame for me to complete their letter, which is being done right now, however, the PB debited my account resulting in a balance due. I want this item placed in dispute until Pottery Barn and I come up with a solution. I again reached out to PB Customer Service today, and received no support, despite options. I just filed a complaint with the XXXX with documentation. I am opening up this dispute now to avoid any further negative consequences with my bureaus. On top of the item being placed in dispute, I demand that the balance be put back into the 12-month promotional balance NOT a revolving balance. Any interest and trailing interest need to be credited back as well.
On XX/XX/XXXX I received a letter from capital XXXX showing proof of delivery. The information that Pottery Barn provided was not even regarding the item that was in dispute. It was for a completely different purchase. This tells me that the agent that opened up the dispute with XXXX XXXX did not open the dispute on the correct order ; and/or Pottery Barn is providing false documentation regarding the dispute.
In looking at my statement, despite only showing the last XXXX digits on the statement, the remittance stub shows the full account number in the XXXX XXXX.
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07/12/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/2018 I fell victim to a cyber scam. Someone that I knew had access to my capital one account. He made one deposit and payment that looked completely legitimate. He attached two of his own personal bank accounts to transfer money onto my account. All the transfers were accepted by capital one as being legitimate. At no point did capital one reject the payment until months after.
At no point did I know what this person was doing, or who he was transferring money to. He was able to change the password and make payments/charges as he chose. I was unaware until it was in XXXX andXX/XX/2018 when I realized that there was a problem. Several payments to my card were returned. There were five payments -- XXXX on XX/XX/2018. XXXX on XX/XX/2018. XXXX on XX/XX/2018. XXXX on XX/XX/2018 and XXXX on XX/XX/2018 for a total of XXXX.
I tried contacting this individual, but to no avail. I immediately contacted capital one and began a fraud investigation into this account. I contacted my local police department, I filed charges with the FTC as well as the FBI cyber crime division. I also contacted the PA Attorney General 's office and filed a complaint. I contacted the credit reporting sites and notified them as well.
I first contacted Capital One on XX/XX/XXXX/XX/XX/2018 and provided all pertinent information by XX/XX/2018. On XX/XX/2018, I was informed that XXXX was overseeing my entire case. I called back on XX/XX/2018 to assure that my information was received. I spoke with XXXX who said that there was no way to contact XXXX because there was no contact number. I was transferred to a supervisor -- XXXX -- who said that the process could take 30-90 days and that there were a total of 9 different people looking at my file. Three supervisors were -- XXXX, XXXX and XXXX. I was given no information about the status of my case.
I called back on XX/XX/2018 and spoke to XXXX. She stated that XXXX was looking at it and on XX/XX/2018, she filed a credit bureau dispute that could take 30 to 60 days and filed an incident report. There was also a note that she was to schedule a call with me on XX/XX/2018. I requested that someone call me back asap. As of today, there has been no change to my credit score/history.
On XX/XX/2018, I spoke with the AG 's office of PA. While they couldn't do anything directly, they suggested that should C.1. not be willing to remove the debt that I contact them again. As of today, XX/XX/2018, the AG 's office is in process of sending a letter directly to C.1.
Since XXXX, I have called Capital One 12 times and spoke with 10 different individuals. I was told on three different occasions that someone would call me back about the status of my case. However, that has not happened. Every time I call, I ask for one of the people directly in charge of my case. The consistent reply is that it is not possible for me to speak with any of them because they do not have a phone, they do not have a direct line, they work on the " back end '' and do not take calls. Basically, I have been continually brushed off and have been consistently told that someone will call me back. The last time this happened was on XX/XX/2018. I spoke with XXXX, who was supposed to be some kind of supervisor at the fraud call center. He told me that his supervisor, XXXX, would call me back within 2 to 3 business days. As of today, that has not happened. I realize that this is a complicated case, but it is completely unacceptable that Capital One can not give me any information as to the status of this investigation. I have dates, names and summaries of every conversation I have had with Capital One and the AG contact.
I have exhausted every avenue I can think of on my end to get this situation resolved. However, it appears to me that Capital One is completely unwilling to communicate/work with me to solve this problem. They are expecting me to pay off an account that I did not have control over. Additionally, they are expecting me to make payments for charges that I did not authorize and are well beyond what is financially possible for me. The total credit limit on my account was XXXX. Despite that the total charges incurred were around XXXX, they are charging me over 32.000.00.
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02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX, I initiated a dispute for the charge of {$3700.00} to my Capital One credit card account for a booking made with XXXX XXXX XXXX XXXX via the XXXX website on XX/XX/XXXX, which was cancelled on XX/XX/XXXX, consistent with and pursuant to the 24-hour reservation requirement of the U.S. Department of Transportations Enhancing Airline Passenger Protection as codified at 14 CRF 159.5 ( b ) ( 4 ) which mandates a 24-hour cancellation period and XXXX XXXX XXXX own policy as posted on XXXX
I disputed Capital One 's decision to close this case and its investigation into this charge, which was communicated in the letter dated XXXX XXXX, XXXX, and that I received on XXXX XXXX, XXXX. This charge is the result of deceptive and fraudulent actions by XXXX XXXX XXXX which are inconsistent with the relevant regulations cited above and XXXX XXXX XXXX own policy.
I requested that Capital One reverse this charge and that my account credited accordingly in the amount of {$3600.00}. ( The original charge minus the {$83.00} from XXXX XXXX XXXX as referenced below. ) My dispute is based on the following facts : I made reservation via XXXX flight on XX/XX/XXXX at XXXX PST.
I canceled the reservation via XXXX on XX/XX/XXXX at XXXX PST following XXXX own refund policy which states that consumers should be entitled to refund without penalty, which is available in this link to XXXX online refund policy page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX. The pertinent paragraph from that policy reads as follows : Refund Payment The refund will always be credited to the original form of payment that you originally used to pay for the ticket or service.
Customers who make a reservation through XXXX may cancel their reservation without penalty up to 24 hours after the reservation is made, if the reservation was made seven days or more prior to the flights departure.
On Capital one informed me on As requested by Capital One on XX/XX/XXXX, below please find a summary of all communication and documentation ( included as enclosure ) with XXXX XXXX XXXX regarding this reservation and disputed credit card charge as well as a summary of all communication and documentation with Capital One on this matter : Communication / Documentation Capital One : On XXXX XXXX, XXXX, I called Capital One to initiate the dispute over violation by XXXX to honor its own published policy promising the full refund for cancellations made within the 24-hour grace period and the U.S. Department of Transportations Guidance on the 24-Hour Reservation Requirement 14 CFR 259.6 which stipulated that each U.S. and XXXX XXXX carrier that has a website marketed to U.S. consumers post its customer service plan, which must include commitment pertaining to the 24-hour reservation requirement.
On XXXX XXXX, XXXX, I called Capital One to object to its decision, stated in the letter dated XXXX XXXX, XXXX to re-apply the disputed charges back to my account. During that call I was asked to re-submit relevant documentation, which I did later that day.
On XXXX XXXX, XXXX, I received a letter from Capital One, dated XXXX XXXX, XXXX, which stated that it considered this case closed based on the bogus reply from XXXX XXXX XXXX which claimed that the ticket -- WHICH WAS NEVER ISSUED -- was non-refundable. I called Capital One on that very same day at XXXXXXXX XXXX to further voice my disagreement with this determination. I was also advised to pay the outstanding balance, including the disputed amount with XXXX XXXX XXXX, before the payment due date which was XXXX XXXX, XXXX. I paid the full outstanding balance of {$2200.00} on XXXX XXXX, XXXX.
On XXXX XXXX, XXXX XXXXXXXX XXXX I called Capital One again to follow up on this case. I was asked to provide additional documentation for my case. I submitted requested documentation via the emailed link to Capital One portal on XXXX XXXX, XXXX. In speaking with Capital One agent, she also indicated that the disputed amount of {$3600.00} of my maximum credit limit on my account was frozen.
|
01/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
I recently received my Walmart Capital One Card with a {$300.00} Limit on XX/XX/XXXX. I use this card to track my spending. I downloaded the Capital One App to my phone. I pay this card off as soon as the balance gets near my credit limit. But the first time using the Capital One App I tried to set up my payment to pay off the card through Cap One App. Unfortunately my Social Security/Disability Direct Deposit changed deposit dates 3 times for my last payment to me for XXXX, so I changed the payment through Cap One App accordingly. All of my changes were done by me WAY BEFORE A PAYMENT WAS REQUIRED and only by me using their Phone App not talking to a Representative. You have to cancel the first payment you set up to set up the New Payment Date each time which I did. Being New to Capital One and their internal rules ( not listed exactly but in general terms how they may use them in their Credit Card Agreement with the Consumer ). I did pay my first payment on XX/XX/XXXX, but without me knowing it they processed my payment and held any available credit to be used from XXXX XXXX until XX/XX/XXXX. I called in multiple times from XX/XX/XXXX until XX/XX/XXXX. I was told repeatedly that they are holding my available credit because this type of canceling a payment and changing the date on a New Account sends up Red Flags as fraudulent activity. But they said once this first payment was released in my available credit which could take up to 7 to 26 days to clear. My available credit would be changed accordingly. Also they said this would happen each time a set up a payment through their system and canceled it. So I made my notes not to pay through Cap Ones App until I was sure I wanted to process a payment. They also said this would not happen again if I set up a date and never changed it. So by the end of XXXX on XX/XX/XXXX I made a payment through their system and within 3 days the payment and available credit updated correctly. Then by XX/XX/XXXX I made another payment for the full amount of my balance ( XXXX of the month bills ) so I knew I would pay this card off twice or three times this month. But once again Capital One, processed my last payment on the XX/XX/XXXX but held my available credit. This time when I called into their customer service center to talk to a Representative, they referred back to the first time In XX/XX/XXXX that because I had canceled my payment multiple times the first time I used it, once again they would hold this available credit for 8 to 26 days and the Cap One Representative ( a supervisor said this time they would hold it for 26 days ). I asked why this time and not all 3 times since I had not canceled any payment since the 1st payment with them. He said it is well within Capital Ones rights to do so as my paying this card off quickly within the first 60 days shows Fraudulent Activity of Payments. I said What are you talking about I have never once not paid you in full and not once has a payment of mine been processed and returned. So I started to record our phone conversation and made this Cap One Representative aware of it as, he did with me once he started the call. So now Capital One and myself were recording the call. He said he would hang up because Capital One does not allow their calls to be recorded. I said fine, then I do not agree that Capital One can record my phone call either. He said the only way he could talk to me about this problem was for me to stop recording and allow Capital One to continue recording which was protected by the Federal Reserve Board of Regulations. I said no, either we both recorded the calls or neither party records this call, that way both people would be protected against words spoken and a transcript being available of this call, or we could talk without use of any recording. He got furious on the phone and said I am going to hang up and then hung up. So this last payment has cleared my bank and still no available credit as should be. And I was treated like a second class Citizen by this last representative and was told that his Company was Capital One and regardless of who I called or complained to about this. No one could tell Capital One as a Company what to do ... .my name is XXXX XXXX
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02/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/19, My Capital One credit card was charged for {$51.00} at a local liquor store called " XXXX XXXX. '' I acknowledge using my credit card at this store, but only spent approximately {$5.00}, as I would grab the SAME item ( s ) every time ( XXXX to XXXX XXXX cent XXXX XXXX, and 1 to 2 shots of XXXX XXXX ). I also acknowledge the handful of times I visited this store, I didn't ask for a copy of my receipt, nor did the merchant attempt to give a copy of the receipt. So I was very surprised when I saw on my credit card recent PENDING transaction history of a transaction for {$51.00}. I knew without a doubt it was 100 % incorrect. I waited a few days, hoping the transaction would correct itself, as it was still showing " pending '' on my end, but once that amount posted as a cleared payment, I immediately contacted the merchant ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ), and spoke with who I think was the owner. I explained to him that I was charged approximately 10 times the amount that I spent at his store. He was very disrespectful, so I ended the call and reached out to Capital One, who my credit card was issued through, to file a dispute. On XXXX XXXX I finally received a letter from Capital One, stating that they were in fact surprisingly siding with the merchant ( XXXX XXXX ), stating that the merchant provided proof of the purchase/transaction. The proof that was sent to my credit card company was a copy of the signed receipt, but the signature on the receipt is without a doubt 100 % FORGED, and is not my signature! I have been signing my name the same way since as long as I can remember, and the signature used for this transaction ( of {$51.00} ) DOES NOT match up at all with all of my other signatures, meaning that the merchant ( XXXX XXXX ) FORGED MY SIGNATURE, so they could get away with winning this dispute. I have attached copies of my money orders ( that I use to transfer money from 1 of my checking accounts to the other ), showing what my signature ( s ) really actually look like, versus the copy of the receipt that the merchant provided with a FORGED SIGNATURE! I thought the credit card company would be able to assist me with this case that I call FRAUD, but based upon their requirements of me ( the customer ) needing to have a copy of receipt, which I shared w/them from the beginning, I never had, nor was given, they denied my dispute, and sided with the merchant, who is doing nothing more than using shady business tactics to increase their revenue. The merchant ( XXXX XXXX ) knew I did not have the receipt from the beginning, and they also knew that I would be unable to win the dispute without having that. receipt. I also did some research online, and stumbled across multiple webpages where other customers used their credit card at businesses, and were then charged A LOT more than what they actually spent. They filed a dispute w/their card company ( just as I did ), and in fact also lost the dispute the same way I did, as shady/corrupt business ( es ) sent in a forged receipt ( s ). So we have shady businesses that know that customers do not have the receipt ( because they have it ), and these businesses as well know the requirements that credit card companies require to win a dispute, which is the receipt. They also know they can forge the signature and in fact bill their customers for whatever amount they choose. If a business ( like the XXXX XXXX ) do these type of shady business tactics once a day, for a year, thats approximately an extra {$18000.00} in free revenue for them. I offered to send copies of my money orders showing my authenticated signature ( s ) to Capital One but they refused to even look at it. So I'm hoping I can attach the proof that this transaction/receipt was in fact forged by the merchant to you all here at the CFPB, and you guys share this information with Capital One, so they can see for themselves that this transaction was forged by the merchant for their own financial gain. I also hope something can be done, so nothing like this happens to any one else in the future.
Thanks in advance, and look forward to hearing from you all, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX
|
06/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX for violating a cease and desist notice multiple times they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices ( See Exhibits 1 - 5 ). On XX/XX/XXXX complaint XXXX XXXX, XXXX XXXX XXXX XXXX stated in their response, As XXXX XXXX indicated in his Complaint, he is requesting that XXXX cease and desist from further contact. XXXX has noted their system of record of XXXX XXXX cease and desist request on both Accounts. XXXX will not contact XXXX XXXX unless required or allowed by law. Pursuant 15 USC 1692c ( c ), it clearly states to cease ALL forms of communication through ANY and ALL mediums. XXXX XXXX XXXX XXXX has repeatedly violated the cease and desist notice.
XXXX XXXX XXXX XXXX has committed multiple Fair Debt Collection Practices Act ( FDCPA ) violations and violates my federally protected rights. XXXX XXXX XXXX XXXX has failed to provide competent evidence that I have any legal obligation to pay the alleged debt. A copy of the Consumer Agreement and account statements ARE NOT sufficient to validate the debt. Validation REQUIRES presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Per UCC 9-201, I request XXXX XXXX XXXX XXXX to provide me with the original accounting under the Federal Rules of Evidence ( FRE ) 1002.
Furthermore, XXXX XXXX XXXX XXXX has no legal standing to sue, nor legal standing to collect debts in Arizona. I have not validated any alleged debt with XXXX XXXX XXXX XXXX, and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability pursuant to 15 USC 1692g ( c ), yet XXXX XXXX XXXX XXXX sued me. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX XXXX ANY right to collect on this alleged debt. XXXX XXXX XXXX XXXX is doing unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms.
XXXX XXXX XXXX XXXX has committed Aggravated identity theft pursuant to 18 USC 1028A. I never gave XXXX XXXX XXXX XXXX verbal, nor written approval, nor did I give ANY authorization for any of my personal or financial information. No consent is identity theft. XXXX XXXX XXXX XXXX is attempting to collect via Identity Theft while utilizing the court systems to do so which is misleading. An Identity Theft Report has been submitted through the Federal Trade Commission ( FTC ) and will also file a complaint with the Secretary of State. Since personal and financial information was obtained by this law firm, XXXX XXXX XXXX XXXX is acting as a debt collector, which also is a violation of the FDCPA which states that a debt collector can not be a law firm and a debt collector ; it has to be either/or but can not be both.
Finally, as I stated in my previous complaint XXXX XXXX on XXXX, I am aware that all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is an empty Account. For a creditor to have any legal standing they must repurchase the debt. They can not collect what they do not own and still proceed to collect on it, let alone illegally place an Account with a third party ( XXXX XXXX XXXX XXXX ) to attempt to collect. This is misleading and deceptive which violates Federal and State Laws. Once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans, including notices of default, assignments to servicers, substitutions of trustees, etc. XXXX XXXX XXXX XXXX is in violation of 15 USC 1692j ( a ) because its unlawful to design, compile, and furnish ANY FORM knowing that such form would be used to create the false belief in me, the consumer, that the creditor is participating in the collection of or in an attempt to collect an alleged debt.
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01/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX I responded by phone to a credit card offer sent to my home from Capitol One. The offer terms communicated to me were as follows : 0 % intro APR until XX/XX/XXXX, earn {$150.00} one-time cash bonus when you spend {$500.00} on purchases w/in 3 months of account opening, plus no annual fee.
The following week I received a confirmation letter indicating that I was approved for a credit card issued by Capital One. On XX/XX/XXXX, I received my credit card and proceeded with a call to activate it. XXXX, at Capitol One, completed the process and confirmed my card had been activated. She indicated that she had used an alternative method as I did not have the capability to send a photo of my drivers license using a smartphone. She had me call her from my phone, as this was an alternative method for her to perform the activation process. Per her disclosure, our conversation was recorded.
On XX/XX/XXXX while making a purchase with my new card, the card was declined. I immediately called Capital One and spoke with XXXX. I explained to him that my card had been activated by XXXX and that I had not received any notification from Capital One stating otherwise. He ignored my statement and implied that my card was not activated and was restricted as he needed to perform some convoluted process which involved my emailing a drivers license from my cell phone I informed him that I did not have that capability. XXXX was rude, abrupt, and rather than provide a satisfactory solution or acknowledgement that my card was previously activated, he eagerly offered to close my account.
On XX/XX/XXXX, I phoned Capitol One and spoke with XXXX. She indicated that after my card was activated, it was restricted by the fraud department and that a front and back photo of my drivers license was required. She agreed that I should have been notified about the restriction and provided me with a link so I could send it and I complied with her request. She stated that I would receive a phone call once my card was activated.
When notification was not received, I phoned Capital One on XX/XX/XXXX. I spoke with Representative, XXXX, at a call center in XXXX XXXX who informed me that he could not read the back side of my drivers license. I explained to him that I had complied and fulfilled all of Capital Ones activation expectations twice and it was time for Capital One to remove their restriction from my card and to discontinue bullying and denying me activation for my credit card. He connected me to XXXX who directed me to resend a copy of my drivers license using the same link previously provided to me. I resent it again as she remained on the line. Again she indicated that the backside of my drivers license was not too clear so once again, I resent it. She then directed me to use a smartphone to take the photo and resend it, after I had notified her and the previous representatives that I did not have that capability or own a smartphone.
On XX/XX/XXXX ( XXXX PST ) I received a phone call from XXXX, on behalf of Capitol One. He requested that I again submit a photo of my Drivers License from a smartphone, after I had repeatedly informed Capitol One that I did not own a smartphone, so I could not comply with his particular request. XXXX said that my card would remain restricted and I would not be able to use it.
Its incomprehensible to me that activating a credit card is such an obscured process for Capital One to accomplish? Furthermore, Capital One never once communicated or disclose to me that owning a smartphone was required for opening up or activating a credit card account. Capital Ones reaction/responses to me, regarding this matter, have infringed upon and exploited my consumers rights, especially since I have made every effort to satisfy and comply with Capital Ones requirements.
By enticing and involving consumers to become new customers, then creating obstacles and making unjustifiable demands, is evidence that Capital Ones pretext in denying activation for my credit card, is a convoluted scam and rip-off. This stunt is designed to obstruct customers from deriving specified benefits. Capital One needs to activate my card at once and remove unwarranted restrictions.
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03/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022, I saw a charge of {$13.00} that I did not recognize that was for dining done on XX/XX/2022. I then looked more into my charges on my credit card and came across a charge for dining also of {$100.00} on XX/XX/2022 for a restaurant I have never been to. I then called capital one and put in a fraud claim being no one but myself has access to my credit card. The same day with no actual investigation by the company the credit card was again charged for {$13.00} as they said it was me who used the chip card in person, even though the company couldn't tell me the actual name of the establishment I supposedly use the card at. When i saw that the {$100.00} was put back on my credit card I called capital one again speaking to XXXX and 1st mg XXXX about both charges. I was told both charges were done in person with chip card so they wont investigation into this even though 1. They cant even tell me the place I used it at for {$13.00} for me to know if in fact it was me. 2. I was told the location and name of the {$100.00} charge was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX, A restaurant I Have NEVER STEPPED FOOT IN LET ALONE CHARGED OR ATE AT. I was told by XXXX that if I was able to get anything from the restaurant I could call capital one back. So I had to investigate this issue myself as the credit card company was not going to. I contacted the restaurant at XXXX XX/XX/2022 at XXXX spoke with the morning manager XXXX XXXX I told him why I was calling and he gave me the home office number XXXX. On XX/XX/2022 at XXXX I was put in touch with the fraud manager XXXX XXXX XXXX then told me that this has been going on with several different people not just myself that XXXX didn't know why or who is doing this. I then asked XXXX if she can see if my credit card Number for {$100.00} on XX/XX/2022, she looked into it and found that in fact NO my credit card was in fact not used, nor in person or online. At that point I contacted capital one back 4 times at XXXX am I got a mg by the name XXXX, she not only got hung up on 5 to 6 times from XXXX and then lied to me about the issue saying that the number was not the correct number. I then asked to speak to a different agent or manager she refused and told me I would have to call back. I had to call back to get the 3rd manager XXXX capital one ID number XXXX he in fact talked to Restaurant manager XXXX where he got the home office number spoke with XXXX with me on the line. XXXX explained what has been happening and that in fact my credit card had never been ran threw their restaurant. Capital one manager put it in again to be investigated on Friday XX/XX/2022. The same day XX/XX/2022 it was again put back as a charge on my credit card {$100.00} as a purchase adjustment with no further investigation again for the same reason even with the facts that were told 1. I have never been at this restaurant nor was my credit card in person with the chipped used or online. 2. The manager at the restaurant told them that it had not only been done to me but several people. 3. The restaurant fraud department told capital one that my card has not been used at there location and that it's been going on they don't know by who but it's definitely not them. This being told to me XX/XX/2022 at XXXX fraud dept XXXX who I told yet again the same facts. They said they will not be doing anything about this as the chip can't be fraudulent. Even though I have told them I have Never been to this restaurant and in fact the restaurant has confirmed that 3 times, two of these time with there agents on the phone with them.
Facts : 1.Chg of {$13.00} on XX/XX/2022 don't believe it's mine but capital one can't give me location or name for me to verify. The only thing I get is XXXX but apparently this was also made by chip card.
2.chg of {$100.00} on XX/XX/2022 XXXX Not mine! I have not been to this restaurant in-person/not in-person. I have never been to/in the location that capital one gave me.
XXXX sports XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. Capital one won't do any investigation as they claim there chip Is fraud proof. Apparently that's not the case and pretty much have called me a liar several times. *****
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09/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
I opened a Capital One Checking account and a Savings account on XX/XX/2020. I realized when I opened the account I did not do it correctly and called to make the correction. I was told the account is open and fine and I can deposit my checks. I deposited 2 checks on XX/XX/2020 in the amounts of {$1200.00} and {$48.00} while on the phone with customer service talking me through the process. I received emails that the checks were accepted. When I checked on the deposits and tried to transfer them to the Capital One Savings Account the next day, I realized my account had been frozen by Capital One. I called and was told the only way I can access the money is if I disclose the phone number of the person that wrote the check for {$1200.00}. I requested a manager since this seemed like a scam for personal information on a person that was not a customer with Capital One. XXXX continued to threaten me that the money would not be released unless I provide the phone number of the check writer. She said that it was their policy and in the disclosure statement. I have read their Disclosure Statement and I have not found anywhere that it says I must do what XXXX wanted me to do, give the check writers phone number. I did not have the authorization to release the check writer 's phone number and did not have the number with me at the time and felt this was way out of line for normal banking procedures. In addition the check had cleared on XX/XX/2020 and there seemed no reason why this information was necessary since the check was valid and transferred to my account. I stated I did not need the money immediately and could wait the customary 3-5 business days for the check to clear.
So the only error on my part is not connecting my Capital One Account with my personal checking account. I called immediately when I realized that this might be a problem and was told my account was fine and to deposit the checks which the customer service person walked me through the steps while I was on the phone with her to deposit 2 checks. If my account was opened without my personal account why did Capital One accept my checks for deposit and now hold my money with my accounts frozen? I have continued to try to resolve this with no one from Capital One contacting me to try to help me resolve this matter. I am extremely distraught by the frustration and time I have put into trying to resolve this matter and need a formal response from Capital One.
I called and the customer service representative XXXX on XX/XX/2020 and was told he couldn't help me because the account is under review and frozen. I requested to speak to a supervisor and he would not forward my call. At least he wasnt threatening like XXXX from the day before demanding the phone number of the check writer and telling me the money will not be released without her phone number. I have sent emails and tried to access my money to no avail.
I did nothing wrong and tried my very best to make sure the account was corrected and was sadly misled by Capital One 's customer service representative that the account was good and I could deposit the checks.
I am requesting a prompt response and to quickly resolve this matter. The two checks that the representative had me scan for deposit are presently in that account. Capital One incorrectly advised me the account was correct and it was open and fine to deposit the checks. I did nothing wrong but was poorly advised to deposit checks into an account that did not have my correct personal account linked to it. I tried to make sure that the account was set up correctly and was badly misinformed that it was okay.
I have made another attempt to contact Capital One XX/XX/2020 and after all the on hold and navigating through your voice prompts that do not apply I was connected with XXXX who listened to my concerns. He said to hold while he said he is just a middle man and to hold while he connects me. I was disconnected, another attempt to resolve this with Capital One failed on the part of Capital One. I have also sent emails and have added a complaint on Capital One 's XXXX page. I have a letter I will be putting in the mail in the morning.
Your help will be greatly appreciated.
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04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In XXXX of this year I contacted Capital One and asked a customer service representative how I should go about requesting a good will adjustment of 4 late payments from 2017, when I was having financial hardship due to losing one of my jobs. I was directed to mail a letter to their credit department with that request. On XX/XX/XXXX I sent said letter explaining my circumstances at the time and highlighting that my account has been in good standing since then and asking for the consideration of removing those late payments. On XX/XX/XXXX I received a letter telling me that a good will adjustment would not be granted, and that they had placed a " disagreement code with a resolution of dispute '' on my account. I immediately contacted Capital One asking for an explanation of why, as I had not at all disputed the late payments, asked what the disagreement code meant, and requested it be removed.I was left on hold for long periods of time and spoke to several people who told me they could not explain what it meant. When I was able to elevate the call to a supervisor I was told that I could not speak to anyone in the credit department, they would not remove the remark from my report, and that I should instead contact the credit bureaus for an explanation of what they themselves had placed on my report. I found this to be unacceptable. In my attempt to improve my credit, which has been steadily improving, my lender was taking actions that could potentially set back all of the progress I have made in the past three years.
On XX/XX/XXXX, my credit score dropped by XXXX points with no explanation. XXXX - the credit reporting service offered by Capital One gave me a list of " possible '' reasons my score dropped - none of them applied to my situation. I had not opened or closed an account, and my balances were steadily decreasing as my available credit increased. There was no evident reason my score would drop at all, and it had been steady at XXXX for a couple of months. I immediately logged into all three of the credit bureaus and checked my credit report - there were no changes. I then contacted XXXX via email - in the same fashion as my phone call, I was given a general list of reasons as to why the change would have happened. I responded with detailed responses to each showing that they did not apply to me. I was told that someone would call me to discuss my situation.
I am working from home and homeschooling my son during the pandemic, so I am not always available to take calls, even in the time I expect to be able to. On Thursday XX/XX/XXXX after missing two calls I called back the number that was left. When I finally got someone on the line and explained my situation, I was again told I could not be helped and should contact the credit bureaus to get an explanation of what THEY ( Capital One ) had placed on my report.
Today on XX/XX/XXXX, after several missed calls from Capital One and failed attempts at getting someone on the line who could help me when I called them back, I contacted TransUnion XXXX the bureau from which XXXX gathers its information ). It took approximately 3 hours and 3 representative before I was able to get the answer that the disagreement code that was placed on my account was the reason for my lowered score. Just as I had suspected, CapitalOne had taken an ( incorrect ) action that had adversely affected my credit score and then refused to help me and rectify the situation. XXXX was able to remove the remark, but I was told CapitalOne could place it back on my report.
Since my score dropped XXXX points on XX/XX/XXXX it has risen again by XXXX points because I have continued paying off my balances and making timely payments however that progress is bittersweet because my score is still almost XXXX points lower than I have worked so hard to get it to, and through no negligence of my own. I would like those XXXX points added back to my score as I did nothing to have them removed.
The poor customer service that CapitalOne provides and their general unwillingness to assist credit holders is astonishing and disappointing. If it weren't for it being one of my longest held accounts I would surely cancel my card with them.
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11/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
I answered a phone call on XX/XX/2021 claiming to be my XXXX XXXX XXXX stating that my power is going to be shut off due to non payment they were in my neighborhood so they were calling to get a payment so they wouldnt have to turn my power off. I believed this as my husband sometimes forgot to pay the bills. I dont ever see the bills as he takes care of the personal bills and I take care of my business ( XXXX XXXX XXXX XXXX ) They just wanted partial payment so I said Ill just pay the amount due. I was at my shop at around XXXX MT time so I gave them first my personal debit card and they said it wouldnt go through so I gave them my XXXX card business checking. Again they said it didnt go through I said let me give you the number again because I know I have enough money but she asked if I had a Capital one or a XXXX XXXX card that they work easier. So I gave them my Capital one card and they said yes it went through so I said please send text to confirm she said she would. I then went back to my customer I tried later that day to call my husband but he didnt pick up. I kept checking my text and Capital one card all evening for a paid transaction on either XXXX XXXX or on Capital one card, but nothing was on them so the next day XX/XX/XXXX I called XXXX XXXX and they said no they didnt call or receive a payment, so then I called Capital one card and stopped the card and told them what happened, they issued me a new card said they would send it by mail. On Saturday XX/XX/XXXX while I was home my phone started dinging letting me know there was a purchase on my Capital one card and it started dinging every minute so I called Capital one and they said thats weird that someone was using my new card number and making cash advances at a rate of one every minute for {$500.00} at a time they stopped that card and was issued me another new card I told them that I hadnt even received my XXXX new number so how is this possible? They sent me to a Fraud specialist and they said that they had never seen this before. Anyway I looked on my account and noticed who was making these charges it was a company called XXXX XXXX XXXX XXXX with a phone number so I called them and asked who they were and told them to stop scamming me or I will call the police and FBI on them he wanted my email address and I said no and hung up. The company deals with crypto currencys and bit coin. They act like a wallet????? For many who want to buy currency. The thing is Capital one or XXXX returned {$26000.00} dollars of the {$47000.00} the scammers got from my account first Capital one took out all the monies used from the scammers and all the fees and overcharges that were put on my card my card was in a no use mode for 3 weeks, this is my business card so I couldnt even use it to purchase my products for my clients, so I had talked to a fraud manager about getting my card open again so I could use it. I had a {$21000.00} limit but the scammers took {$26000.00} over my limit. No one can answer why Capital one let them and how they did it. On XX/XX/XXXX I got two letters from Capital one first stating that they were happy to announce that all was resolved my credit limit back to {$21000.00}. The second letter stated that Capital one fraud department said that because I willingly gave the scammers my cc number that it wasnt considered fraud but a scam and that they didnt cover scams. So they put back on my credit card {$21000.00}. And said I was responsible for paying this off. I called the Idaho Attorney General they told me to make a police report I did then call the FBI I did I still need to finish that report. The detective told me there wasnt anything that they could do to get an attorney and fight this. I again called XXXX and begged them to get my money back to their manager but he sent me a text stating that they couldnt do that they dont return money. I again called Capital one today XX/XX/XXXX and the specialist said that the only thing they could do was to put the total owed on a 0 % interest they took back out the {$470.00}. Fee this leaves me with {$22000.00} to have to repay. So I desperately need help to resolve this. Can you help me? Thank you for reading this XXXX
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09/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
. COMPLAINT to CFPB Ive had this account with Capital One since XX/XX/XXXX ( 20 years ) in excellent standing, with no adversity ever. Ive received complimentary messages and had a good relationship with Capital One.
Recently I contacted Capital one to dispute charges on XX/XX/XXXX - {$40.00} and early XX/XX/XXXX- {$4.00}. I spoke with the customer service agents and both disputes were resolved efficiently and quickly with credits issued back to my account. ( Also, I always received notices of these and all communications by US mail, email, and my account secure messages ) Contrary to what I was told later during this deceptive tactic mentioned later in this letter. ( We cant send you any written notification ) I contacted Capital One in XX/XX/XXXX about the {$4.00} dispute, for security reasons, I mentioned to the agent that I had not received my new card. Usually, a new card is mailed out about a month before expiration date ( XXXX ). After they checked my account and saw no reason my card to be delayed, I was told it should reach me soon. Since that time, Ive made several calls to Capital One inquiring about not receiving my new card. Each time I first spoke to a polite and understanding agent who saw no reason I shouldnt get my new card. The agent would put me on hold and after a long wait, a new person would come on and ask for my Social Security # and birthdate. I wasnt comfortable giving that information and informed them, my info is available in my account. They kept me on the phone long periods of time. This behavior appeared suspicious and irregular. I was assured they were employees of Capital One. Consequently, after many calls and long waits and frustration, I was told they would not be renewing my card. I asked why I have received no written notification. Why my available credit is still available and why the card and account are still active? I continued using my card and making my payments as I continued to get messages and regular notices of perks, commendations, and thank you for being a valued customer and the manner I kept my account. ETC. During each call, I continued to ask, why have you not sent me notification of adversity and what resource was used to deny me use of my account of 20 years ( my account is still open after 60 days ) I cant use it.
I was told they could not send me notifications, letters, or answer my questions.
I got no answers. Next, I wrote to Capital One Corporate Office ( XXXX XXXX ) to report the suspicious activity, ( for fear of hacking and scamming ), and asked if they would please have an agent call me to allow me to give names and times of agents and to further explain my concerns of suspicious actions. I got no response.
Consequently, I believe Capital One used deceptive, unfair, irregular, tactics that violated my rights as a consumer. I also believe they had intent to purposely do me harm by not closing my account while failing to renew. I believe they will attempt to close my account for reason of fault by me and claim no activity for a long period of time. When in essence, I cant use it because the expiration date prevents me from using it. ( Declined for date expiration ) Their action will also affect my FICA score ( down to XXXX in XXXX on Capital One ) as well as possibility make me less trustworthy to creditors. There are no adversities on my credit report.
XX/XX/XXXX I received US mail from Capital One dated XX/XX/XXXX ( copy attached ) This letter also seems suspicious. The letter seems like a fraud and asks me to submit my SS #, Name, and date of birth. Not only do I believe my consumer rights are violated, but I also believe these actions should be investigated. I dont dare call Capital One because I fear I may not be reaching Capital One. The actions by Capital One caused me hardship as I explained in my letter to Corp.
The normal numbers to reach Capital One are : XXXX ( my card ), XXXX ( statement ), both dispute XXXX. On the last letter of ( XX/XX/XXXX ) asking for personal XXXX I have never seen the last number on Capital One.
I have respectfully paid the account in full.
Can you please assist me in this matter? I can be contacted by email or phone.
Thank You,
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08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CAPITAL ONES has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX XXXX XXXX XXXX. In response to my initial complaint of them violating my consumer rights ; they claim that my credit card account was sold to a third party on XXXX XXXX XXXX, and as such decline any and all requests for compensation regarding this matter. They however did not mention that they have not violated any federal laws. This complaint is in response to my consumer rights being violated and Capital One 's attempt to dodge the situation. Capital One 's response has nothing to do with my complaint. Selling my account does not excuses the fact that my rights have been violated and that I must be compensated for each of the violations. Here are the federal laws Capital One have broken which in turn has led them to violate my consumer rights. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given them permission to share my information with any third party nonaffiliated corporation. 15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I have not given them permission to disclose my records to any third-party nonaffiliated corporation. 15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have not received any notice from CAPITAL ONE which provides me the option to opt out of any disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. No such clear and conspicuous disclosure has ever been provided to me. 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I was not been given any such opportunity to opt out of the initial disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No explanation has been given to me. Per 15 U.S. Code 1681 ( a ) ( d ) Consumer Report ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is evident that CAPITAL ONE has violated 15 U.S.C 1681 ( a ) ( d ) ( 2 ) for my report contains information in relation to transaction history. Altogether, they have violated my rights one hundred seventeen ( 117 ) times.
See attachments for full details.
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10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Default and Opportunity to Cure XXXX Re : Capital One Case : XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute.
I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to non-affiliated third parties, XXXX, XXXX, and XXXX.
pursuant to 15 USC 6809 ( 4 ) and Pursuant to 15 USC 6809 ( 5 ).
I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that financial institutions like Capital One use against Consumers like myself.
According to your response of my CFPB complaint you stated that I wanted you to modify the information you reported about the account. Thats a violation of 15 USC 1611 ( 1 ).
You also stated that your reporting accurate information. And you requested that the CRAs report the account as being disputed by me. Thats a violation of 15 USC 1611 ( 1 ) And for those reasons, your respectfully declining my request to Cease and Desist. Which is a violation of 15 USC 1611 ( 3 ).
Nowhere in my complaint did I mention anything regarding a dispute, or verify, or validate the account. I specifically requested your Financial Institution to cease and desist the sharing of my nonpublic personal information to non-affiliated third parties, XXXX, XXXX, and XXXX.
The Federal Law is quite clear about requirements imposed on financial institutions.
The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
The provisions of 15 USC 6802 ( a ) state Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information.
The provisions of 15 USC 6802 ( b ) ( 1 ) states A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless The provisions of 15 USC 6802 ( b ) ( 1 ) ( A ) states such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The provisions of 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and The provisions of 15 USC 6802 ( b ) ( 1 ) ( C ) states the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Criminal liability for willful and knowing violationThe provisions of 15 USC 1611 states Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
I am attaching valid proof that your financial institution violated my consumer rights under the provisions of the FCRA. I hereby grant Capital One, the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer Your financial institution Capital One, failed to respond to my request regarding the sharing of my nonpublic personal information to non-affiliated third parties which is an infringement of my Consumer Rights. I will not hesitate to escalate this matter to a Federal Complaint if your financial institutions Capital One decide to ignore my request.
Yours Truly, XXXX XXXX XXXX
|
08/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I am writing to provide my written experience with XXXX XXXX and Capital One with documents demonstrating their failure to provide services paid for.
All documents support my accurate account of events. On XX/XX/XXXX I arrived at gate XXXX about XXXX minutes before my flight, was denied boarding, told to call the XXXX number, and after multiple attempts of trying to resolve this issue for hours with XXXX employees I was unable to receive the services I paid for.
To be clear, I did not cancel my ticket with XXXX XXXX and arrived at the gate for my flight about XXXX minutes before departure with every intention of getting on my flight. XXXX XXXX failed to provide me with the service I paid for, therefore services were not received and I am owed {$520.00}.
XXXX 's response to Capital One 's investigation states that I did not show up for my flight ( see Document 1 page 5 ). This is false and contradicts the correspondence they had with me in which they also falsely claim that I arrived after the gate doors had closed ( see Document 2 bullet point 3 ).
In the document titled Document 3 you will find text messages I sent to family and friends at XXXX XX/XX/XXXX where I tell them that XXXX gate agents informed me that 'I missed my flight ' that had a scheduled departure of XXXX despite the boarding process still taking place.
In the document titled Document 4 you will find my phone 's call log. This call log demonstrates that after XXXX gate agents did not allow me on the flight ( around XXXX on XX/XX/XXXX ) and simply told me to call the XXXX number to resolve my issue, I followed their instructions and called at XXXX, well before the flights departure time of XXXX. Unfortunately, the customer service line was closed. I informed the gate agents of this and they did not make any good faith attempts to allow me on my flight. In this call log you will find several other calls I made in an attempt to maybe get an after hours customer service person on the line.
After XXXX gate agents refused to let me board my flight to XXXX, XXXX I reached out to XXXX via XXXX ( Document 5 image 1 ). When that did not work I tried to speak to the gate agents again at a later time, when another flight was boarding, and they refused to help me.
After multiple attempts and hours of trying to have XXXX XXXX help me reach my intended destination I was picked up by the same person who dropped me off.
During my time at the airport and after arriving home because XXXX XXXX did not provide me with any service, I reached out to XXXX via XXXX, XXXX, and email. Those attempts were met with continued silence ( Document 5 images 2- 4 ).
On XX/XX/XXXX XXXX responded to my inquiries via email and failed to respond to my questions ( see document 2 ). When XXXX finally responded ( see document 2 ) they falsely stated that I paid for a ticket change to arrive at my final destination of XXXX, XXXX. I did not reach my final destination on the flight I arrived at the boarding gate for nor any other flights provided by XXXX ( a quick search of my Capital One statement will only show a charge for a XXXX XXXX flight, not a flight via XXXX XXXX ).
Moreover, XXXX XXXX response perhaps unintentionally corroborates my account of the event I sent them via XXXX and Email on XX/XX/XXXX ( document titled Letter to XXXX ) in which I provide the final boarding time of XXXX XXXX XXXX XXXXXXXX well before they concluded their 'investigation ' ( see document 2 and please note the date ) during which they did not reach out to me about the events that took place. If I did not show up for my flight as XXXX told Capital One how would I have known the final boarding time before XXXX sent their email response to me on XX/XX/XXXX?
I need a full refund for services that I did not receive because of XXXX XXXX provided false and inaccurate information and unreasonably denied boarding to me. Capital One sided with XXXX XXXX and provided them with the amount go {$520.00} despite my disputing these charges.
I did not cancel the service. I showed up on time for my flight. Due to XXXX XXXX, I was unable to receive the services I paid for and need a refund because services were not received.
|
03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
|
NOTICE OF DISPUTE/ DELETION LETTER. To whom it may concern, your company " CAPITAL ONE '' has broken many laws and violated me and my rights as a consumer. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) where it is stated by congress that the banking system is dependent upon my consumer report being fair and accurately furnished. I will state again that my report has many inaccuracies and violations that your company refuses to take responsibility and accountability for and fix in the exact manner that I have request multiple time which are in accordance to the consumer laws and my rights. My report is inaccurate and that is unfair to me. I was never notified when this inaccurate information was being furnished. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and as a result of this I WILL NO LONGER BE EXTENDING MY CREDIT, and if this information is not DELETED, you will be held civilly and criminally liable. Pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) You have made illegal and unsanctioned reports containing information solely as to transactions and experiences which is a violation against my rights as a consumer. This nonsense that your company has caused has tarnished my reputation and adversely affected my credit worthiness as well as negatively affected mine and my family 's livelihood. Due to this negligence my rights privacy has been violated and breached. Again, to be abundantly clear here pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) where congress makes it extremely clear that a consumer report should not include any transactions between the consumer and the person ( s ) making the reports. These alleged transactions that your company is reporting whether it factually took place or not can be categorized as a transaction that took place between the consumer and the person making the report. Which means as stated before should not be included in my consumer report and is actually and factually by law a violation of my consumer rights. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company is categorized as a transaction that was issued from a credit card as it is defined under 15 U.S.C 1602 ( L ). Also, pursuant to UCC 3-104 this account has been falsely and fraudulently closed. Because I mailed in a payment in the form of a negotiable instrument via the detachable remittance coupon provided to me in the periodic statement you mailed to my house, which I assured it had the full amount and whilst being properly endorsed as well as the laws pertaining to legalities of this action noted on the surface of the instrument used. For some reason you decided that you didn't want to accept my legal form of payment and immediately closed down my account. By law does one not only lose all rights to payment that may be owed to them by denying the other parties legal instrument of payments, but also pursuant to 15 U.S.C 1691 ( a ) you are in violation of discrimination. You have discriminated against me by choosing to close my account for the mere fact that I have in good faith exercised my rights. You have two options. 1. Delete any and all information you may have of me and with any person or agency that you may have furnished my information with. In which you have also done this fraudulently. Pursuant to 15 U.S.C 1681b ( 2 ) You don't have written instruction from me the consumer to furnish my information, better known as permissible purpose. So not only did you never receive permissible purpose from anyone especially me as the consumer to whom it relates, you never gave me the proper disclosures to the fact that I have the right to opt out of my information being furnished. So now we are tying in misinformed and ill-informed decisions. I hope you understand where this is going. With all this being said option number 2. You will right your wrongs and reopen my account, remove any and all late payment and credit utilization fraud information that you have furnished to any person or agencies.
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03/23/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
My issue is with Kohl 's. In early XXXX i checked my credit, as i used to do once a year and realized there was an issue with my credit report. i realized it had now listed a credit card i hadn't ever applied for from early XXXX of XXXX that was approved with a {$300.00} limit. It's by miracle that who ever stole my identity and fraudulently opened that credit card while using my name, while absolutely appalling, something struck me as very strangely odd. Upon contacting and going back and forth checking my credit i learned that they didnt max all the {$300.00} limit, instead i now owed over {$500.00} despite them purchasing under {$100.00} in merchandise, the $ XXXX are late fees and such. According to Kohl 's and the little bit of information i was not provided with but more so confronted and accused of upon contacting them, according to Kohl 's, an individual they allegedly presume as myself XXXX which was definitely not ) Applied and was approved for a Kohl 's credit card in a store and right after the card was charged for the first and last time. Upon inquiring to see which, if any proof of identification such as state issued drivers license or equivalent did they have to verify idenity. I was unable/denied any kind of proof or even provided any information that was used as information while applying, such as address, ect. As I've previously lost numerous drivers licenses over the years since first recieving one XX/XX/XXXX. What worried me was how a social security would be used, as I've never had any other issues with anyone else using or stealing my identity. Being a State of NJ XXXX XXXX XXXX that worries me immensely till this day. No one should of been able to apply and allegedly get approved while provide a likely expired old lost ID that definitely was not me, didn't match me, so im not sure how they compared it to the individual. Either way that's identity fraud as well as another number of offenses but and as far as I'm concerned it was absolute negligence on their part. I've disputed it ever since XXXX, i explained it hadn't been me. I asked and practically begged to show me something that might be able to provide some kind of insight to my regarding who's done this. They absolutely refused to cooperate. The account had been closed and charged off at that point. Upon the last attempt of disputing that information they not only denied it yet again, without being able to provide anything what's so ever to me. Upon speaking to them over the phone i was hung up on, later that week my dispute was not only denied but my credit score dropped from high XXXX in XXXX to barely XXXX. Why, because retaliation. Which last i checked is an illegal practice. I've disputed this account a good 3+ times since first learning about it in XXXX yet suddenly in XXXX of XXXX they updated the status update past due date, despite the fact that its previously already been changed off and submitted as a charge off in XXXX of XXXX. The first time i disputed, nothing was updates. The two additional times in XXXX nothing was updated ans no dispite hurt my credit. It was only after the fourth dispute in XXXX of XXXX and most importantly the grossly unprofessional phone call on their part, rudely informing me that they're not going to and don't have to provide or show any proof of whatever identification was allegedly shown or given as 'me ' while applying for a credit card. She said due to it being closed, charged off - first payment never received account since years ago there is nothing they can do for me, followed by the line going dead. Days later i recieved an update on the dispute as well as a drop of my credit score.They retaliated this time by updating the " Past due as of '' date. Dispite being closed and later charged off in XX/XX/XXXX they updated the records to " Account charge off {$500.00}. Written off {$500.00}. Past due as of XX/XX/XXXX. '' The 3 previous times I've disputed absolutely nothing happened, Other than them denying my dispute. But this time suddenly there's an update, making my credit score drop 90+ points because of an account that's not mine, that's closed and has previously been changed off two years prior to.
|
09/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Servicemember |
I applied for a 0 % interest card with Capital One to help with keeping my small business operational. My application and balance transfer was completed in XX/XX/XXXX. With the XX/XX/XXXX statement ( payment due in XX/XX/XXXX ), a portion of my balance was subjected to a higher purchase interest rate. XXXX XXXX has not provide any information on their monthly statement that clearly identified when the promotional rate would increase from XXXX percent to the purchase rate ( 22.65 % ). There was no information/disclosure in the monthly statement that indicated that the promotional rate would expire on a given date. I have used these 0 % rates to help offset the costs of my small business, and have experience with other card issuers who do provide detailed statements that clearly identify the promotional rate and end date. This is common among other card companies, and I can provide multiple examples where this is reported, legally and ethically through other credit card companies. Capital One does not provide this information. I have been paying around {$120.00} per month to them under their promotional rate.
When I received a statement from Capital One last month ( XX/XX/XXXX ), there was a portion of my balance subject to a " purchase rate ''. There was also a " Interest Saver '' payment option identified, which had no apparent explanation. At that time I contacted the Capital One call center and spoke with a representative who was going to look into the rate and provide me with an explanation and correct the issue. They also instructed me to review my account online, and that the rates and period would be available there. I never received a call back from Capital One, and I reviewed my account online, but there was no information pertaining to when my promotional period would end, what the " Interest Saver '' option was, or when the standard purchase rate would be applied.
When I received my XX/XX/XXXX statement, the interest rate of 22.65 % was now applied to my entire statement amount. Total interest for the period was calculated at {$200.00} and my monthly payment is now {$310.00} - more than double typical monthly payment amount. Again, with no disclosure of any impending rate increase resulting from the promotional period ending. Additionally, no mention of a " Interest Saver '' option.
Tonight I contacted Capital One and spoke with a supervisor. They reviewed my prior request and informed me that they would not address my concern. That I would have been notified in a small disclosure initially ( at time of making the initial balance transfer ) of the timing for the promotional period and that it would have been my responsibility to contact them to find out when that period would end. I contacted them last month, they did not provide that information, nor did the online account through their website as they had advised should.
I would like to close my account and never deal with Capital One again, and will pursue doing so for personal and business accounts, however, I am now facing hundreds of dollars in interest charges that will continue to increase as this goes on. As a small business owner, this is not something that I can absorb. I would be happy to transfer my balance to another institution for a 0 % promo offer, or a reduced interest rate, but prefer not to pay anything to a company that certainly has the resources, but does not provide disclosure of the end date of promotional offers. If I had even a month 's notice, I could have initiated a transfer to another account with a lower ( reasonable ) interest rate. My credit score/rating will demonstrate my integrity with paying creditors on time every month for what is due. This is not a reasonable approach.
I would like to ask for you to intervene and request Capital One to refund my interest charges to date. In the meantime, I will transfer the remaining amount financed to another financial institution that will provide me with appropriate and reasonable notification to prepare me for the completion of my promotional rate and not attempt to mislead me with minimum payments versus " Interest Saver '' Payments.
Thank you for your consideration.
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01/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
There has been an invasion of my individual privacy pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. Congress found and declared abusive debt collection practices contribute to an invasion of individual privacy.
15 U.S. Code 1692 ( a ) -Definitions : The term Bureau means the Bureau of Consumer Financial Protection .
The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
The term consumer means any natural person obligated or allegedly obligated to pay any debt.
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
1. ) It is a fact that I am a natural person, a consumer, pursuant to 15 U.S. Code 1692 ( a ) ( 3 ).
2. ) It is a fact that I am a creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ).
3. ) It is a fact that Capital One Auto Finance is a debt collector pursuant to U.S. Code 1692 ( a ) ( 6 ).
4. ) Pursuant to 15 U.S. Code 1692g, I am a consumer.
Misrepresentations Regarding Debt, in Violation of the FDCPA 5. ) Pursuant to 15 U.S. Code 1692b ( 1 ), Capital One Auto Finance requested my location information without direct permission instead of confirming and refused to identify themselves.
6. ) Pursuant to 15 U.S. Code 1692b ( 2 ), Capital One Auto Finance stated that I owed debt.
7. ) Pursuant to 15 U.S. Code 1692b ( 3 ), Capital One Auto Finance attempted to communicate using my location information several times resulting in harassment without direct request.
8. ) Pursuant to 15 U.S. Code 1692b ( 4 ), Capital One communicated to me by post card using my location information without direct request.
9. ) Pursuant to 15 U.S. Code 1692b ( 5 ), Capital One Auto Finance used several envelopes with their language, symbol, and contents of mail stating the collection of a debt without direct permission.
10. ) Capital One Auto Finance did not have my direct permission or consent to contact me pursuant to 15 U.S. Code 1692c ( a ).
11. ) Capital One Auto Finance inconveniently contacted me several times throughout the day pursuant to 15 U.S. Code 1692c ( a ).
12. ) Pursuant to 15 U.S. Code 1692d ( 4 ) Capital One Auto Finance continued to call and make threats of repossession, which is obscene language and harassment.
13. ) Pursuant to 15 U.S. Code 1692d ( 5 ) Capital One Auto Finance made my phone ring repeatedly and at inconvenient times without direct permission.
14. ) Pursuant to 15 U.S. Code 1692e ( 2 ), Capital One Auto Finance gave a false representation of the character and amount.
15. ) Pursuant to 15 U.S. Code 1692e ( 5 ), Capital One Auto Finance threatened to take action of repossession.
16. ) Pursuant to 15 U.S. Code 1692e ( 7 ), Capital One Auto Finance implicated that I committed a crime, as a consumer.
17. ) Pursuant to 15 U.S. Code 1692e ( 10 ), Capital One Auto Finance used deceptive means to obtain information.
18. ) Pursuant to 15 U.S. Code 1692f ( 1 ), Capital One Auto Finance gave no loan. Define loan under the FDCPA.
19. ) Pursuant to 15 U.S. Code 1692j ( a ), Capital One Auto Finance furnished a deceptive form and is liable pursuant to 15 U.S. Code 1692j ( b ).
|
08/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
On XX/XX/XXXX I initiated an online transfer in the amount of $ XXXX from XXXX XXXX , account XXXX XXXX to my Capital One account, account XXXX XXXX . On XX/XX/XXXX I received an email from Capital one saying that the transfer did not go through. I called Capital One XXXX XX/XX/XXXX and spoke with XXXX and was told that I had exceeded the amount I could transfer in a month and the bank would not process the transfer.
Then on XX/XX/XXXX Capital One went into my XXXX XXXX account and withdrew the $ XXXX. The trace ID number is XXXX. I received that number from XXXX Bank along with a transaction history report showing that Capital One had withdrawn the money from my account. On XX/XX/XXXX I called Capital One and I was told that I had to file a trace on the money and it might take as long as 45 days until they could research it. On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and was told that Capital One did not have the money. She asked if the funds had been withdrawn from XXXX XXXX and I told her they had. I asked her if it was possible that Capital One had the funds and she said absolutely not. She explained that ACH may have the funds but could not verify if they had the funds. I asked if she could check the trace ID number to see if it was valid and if it came from Capital One or was initiated by them through ACH. She said she could not verify the trace ID number. I asked who else I could speak with at Capital One and she said the only thing I could do was to write a letter to the office of the president, which I did.
The funds remained unaccounted for and neither bank could verify where the funds were. Because one possible reason is that the funds were stolen I contacted the FBI 's cyber crimes division and filed an incident report.
I then wrote the following letter to the office of the president for Capital One : XX/XX/XXXX Dear XXXX XXXX : I have been trying to resolve my issues by calling your public phone numbers, however I have been told that you do not have any Capital One employee who I can speak with and all calls are outsourced. This has resulted in a lack of information on my account and the need to file complaints both with the Office of the Currency as well as the FBIs cybercrimes unit.
I have attached my complaints with both institutions so you can get more specifics. My request is to speak with someone who can answer some of my questions. I would like to have a person and a phone number of a Capital One employee.
As a quick summary, I transferred funds into my savings account in two transactions. I then attempted to transfer an additional $ XXXX and Capital One said they could not transfer the funds from my XXXX XXXX account as it was over the monthly limit. Capital One then went into my XXXX account and took the funds ( I think as I have a transaction ID number ). The money never showed up in my Capital One account but was taken from my XXXX account. Both Capital One and XXXX have told me that they do not have the money and each says the other has it.
As I could not get an answer to my questions, such as Can you tell me what the transaction ID number says. And because I could not speak with someone from Capital One, I filed the two complaints. I still do not understand how this is not resolved. It appears Capital One took my money, did not credit me with it and will not tell me when it will be returned. Any help on your part would be appreciated.
As of XX/XX/XXXX I have had no response from Capital One 's Office of the President.
On XX/XX/XXXX I received the funds back into my XXXX XXXX account. Neither bank has offered an explanation as to who had my funds for 15 days. No interest has been paid ( over {$600.00} lost ) and the stress it put on me and my family was substantial. I think that I am owed an explanation as to who had my money and why it was not returned or available to me. This was a substantial amount of money, at least to me, and the lack of communication from both banks is troublesome.
I would like to know who is accountable for this situation and I want to help to spare others who are dealing with these banks, the time, stress and aggravation I went through.
|
03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX IL XXXX Card # XXXX XXXX XXXX XXXX A recap of what has happened on this account : I opened the account XX/XX/XXXX, and had made all payments timely. On or about XX/XX/XXXX, I received a call from your fraud department and was asked to verify recent transactions. I did so and the Rep stated all was OK. When I attempted to use the card again it was declined. I called customer service and the call went to your fraud department. Again I was asked to verify recent transactions. All was fine the Rep said.
I attempted to use the card - again was declined. I called in and the call was answered by fraud dept. Said he wanted a copy of my drivers license- I refused- told them I was elderly and had been adised by multiple sources never to release my drivers license. Asked if there was any other method- he said no.
I asked what the fraud consisted of- said he couldnt tell me- asked if there was an investigation- he didnt know- asked if I could just get a new card- he said not without providing my license.
The card was RESTRICTED at that point. I had an interest free balance due in late XXXX or early XXXX.
Since I really didnt need the card, I just decided to make monthly payments when they came due and pay the balance due at the end, which I did.
After final payment I received a statement showing {$120.00} in interest due. I called your Customer Service number ( XXXX ) on the card but it was answered by the Fraud Dept. I explained that I ddnt owe the {$120.00} but he said nothing he could do. I asked to be connected to Customer Service- said he could not do that.
I realized that my phone number and card account number were programmed to go to Fraud instead of the Customer Dept., so I called using my other phone and gave no account or SS number- I stayed on until it was answered by a nice lady with a foreign accent- she said she had no access to my account details with the the exception she could see the balance. Again my attempt to discuus my account with your Customer Service Dept failed.
As you see I was unable to discuss my account as to payment due or lack of notice on my interest free balance due date.
Although Capital One has my e-mail, phone number and home address on record, you made no attempt to get in touch to discuss and remedy the matter. You constantly send statements to my home and e-mail knowing I cant contact through the phone numbers provided.
I wrote and sent a letter to your XXXX XXXX XX/XX/XXXX but no response.
I wrote your Dispute XXXX XX/XX/XXXX but no response. ( letters attached ).
Found a number ( XXXX ) on the reverse of a bill you sent and I finally got to Customer Service. Lady said she had to switch me but I got her to listen to the whole story- she was very nice and was sure she could help me. Told me to wait and she would try to find somethig out.
Said she thought everything fine now and she put me on the phone with Fraud.
The guys name was XXXX XXXX he reiterated the same old crap- I asked to be put in touch with Customer Service so I could make an arrangement to close the account- said he could not.
I then inquired as to what was fraudulent and why no investigation. His answer was there were many scenarios- one being that I was deceased and a relative might be wanting to use the card since my credit was good and keep using long after my death. At that point I relized things were hopeless.
I state the following : 1. There was never any fraud.
2. Never an investigation for fraud.
3. Negligence on the part of Capital One to anwser my queries and contacting me.
XXXX. Damaging my perfect credit of many years - my credit score dropped XXXX points.
due to your actions and added a delinquency that will remain for years.
XXXX. Your actions caused me to lose 2 properties when the preapproved mortgages were denied after the score dropped.
XXXX. Causing undue stress on an elderly person. ( XXXX XXXX XXXX ).
Enclosed- I. Copies of unanswered correspondence.
2.Credit standing before and after your actions.
XXXX. My payment record with you over the years.
XXXX Credit Bureau report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX
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05/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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In XX/XX/XXXX, I found out there was another fraudulent account on my Credit Reports. The Acct was from Capital One Bank for a credit card. The Collection Agency XXXX XXXX XXXX, XXXX, ( XXXX, XXXX ) that is reporting the account has had it since XX/XX/XXXX. I contacted XXXX, XXXX to inform them that the debt was the result of Identity Theft and sent a letter to them date XXXX of XXXX to obtain ALL statements and validate the name and address ( s ) used on the account. They sent me back tow ( 2 ) statements form CapOne and had no substance as to what and how the specifics were tabulated. I requested again for the FULL file and once again XXXX, XXXX sent back the same statements. After calling, the representative gave me some information over the phone as to the debt and transferred me to the Fraud Department. At that time, I was to be sent an Identity Theft Affidavit and the per instruction, I completed the form and faxed it back along with additional documentation. After following up with a phone call about receipt of my Affidavit, they informed me they did not receive the fax and that it was in 'another department '. Then the Fraud Rep told me to email the information to an email address that would ensure their receipt. I emailed the documentation and then on XX/XX/XXXX, XXXX XXXX sent another Affidavit for me to complete. On XX/XX/XXXX, XXXX, XXXX sent a response informing me that they had validated the debt and that they would not be doing any other investigation.
I called again and because the Fraud Department was closed, He could not do anything. However at that time I expalined that I had requested a copy of the entire file provided from CapOne and he indicated XXXX, XXXX had thirteen ( 13 ) statements in the file. I asked why I was not provided that information, including dates of correspondences, the thirteen ( 13 ) statements and any other pertinent information that was previously requested. At that point he went over the statements from XX/XX/XXXX to XX/XX/XXXX in which there were several returned payments on the original card and how a {$300.00} limit card had ended up with a balance of {$1000.00} debt.
The problem with this is that I never knew about this debt/collection and that the bogus PO Box address that the US Post Office verified that was flagged for fraud was of record. XXXX, XXXX indicated they sent a Settlement Letter to both the bogus PO Box and another fraudulent PO Box at a mail forwarding facility also flagged for fraud by both the Credit Bureaus and the US Postal Service. Secondly, the original debt with CapOne is under my true legal name, but the file changed to another name but with my SSN and DOB. I pointed that out as to the inaccuracy because not only has my credit file been compromised in the past, but also crossed with the wrong suffix.
XXXX, XXXX has not performed due diligence and claims that they have followed the letter of the law with regards to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) ; however, they have NEVER provided me with the COMPLETE file of the original debt for me to show the inaccuracies and in their last letter state my claim is frivolous and refuse to perform a proper investigation of the debt and the information I have provided. As of this writing, I am awaiting for XXXX, XXXX follow-up on the status of my dispute with the request of my inquiry for an hour. The process to address XXXX, XXXX to acquire information about the debt/collection is misleading. The phone number for the Disputes Department is not the the indicated department as stated in their correspondences and that there are two ( 2 ) different addresses for correspondence, yet they direct the consumer to send all correspondence to a fax machine number that the necessary Department has no access to. At each step to resolve this matter, I have been misled and while I provide the information requested, XXXX, XXXX is misapplying the USC statute to usurp the rights of the consumer to fraudulently report a collection account that has obvious inaccurate information, yet I am being punished with their behaviors to place barriers to force a collection and continued wrongful reporting.
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04/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I rented a car while on vacation in the XXXX XXXX from XXXX XXXX XXXX XXXX ( same company as XXXX XXXX XXXX XXXX ) [ XXXX/XXXXXX/XX/XXXX ] I used my Capital One credit card ending in XXXX to make the online reservation through XXXX and used the rental collision insurance offered by it.
However, when I went to their offices to pick up the car the next day [ XX/XX/XXXXXXXX ], they were trying to upsell me extra coverage saying that in addition to the card collision coverage it was require to take additional coverage they offer of about {$20.00} dollars/day. Which didnt make sense since I was already covered through the card.
I explained that I had rented recently the week before with no issues using the same coverage, and they didnt mention anything about required coverage. Therefore, I wasnt willing to pay more for an extra collision coverage that was already offered through my credit card and let the agent know that Ill will no longer want the reservation. She cancelled the transaction and said the funds will be back into my card in 2 business days.
I ended up using another car rental company as you can see on my credit card statements [ a transaction from XXXX XXXX on Monday XXXX, XX/XX/XXXXXX/XX/ ].
A week after once I returned from my vacation, the charge of {$210.00} was still showing on my credit card, hence, I called customer service at Capital One to dispute this transaction and they removed it from my account. I thought this was already solved until the charge was put back on my account on XX/XX/XXXX again saying the merchant disputed the transaction as valid.
I should not be held responsible for this transaction because I didnt use any of the rental services. On the contrary they caused me an uncomfortable situation and make me lose a day of my vacation as I had to run to another place and figure a last-minute alternative option.
In addition to the above mentioned, I also contacted XXXX XXXX XXXX XXXXXXXX customer service via email ( XX/XX/XXXXXXXX ), and they said that the money was reimbursed to my account ( see emails attached ) which I challenged with a follow up email showing the transaction on the most recent statements of my credit card but did not received any response until the end of XXXX when I was finally able to reach the branch manager after countless attempts via email and phone. The manager Ms. XXXX XXXX sent me screenshots of the reimbursement via XXXX XXXX so I can submit it to back the claim to Capital One.
I reopened the claim with capital one in XX/XX/XXXX XXXX but it was unsuccessful as they said the Rental Car Company had challenged this transaction although they told me they had reimburse it. They said there's nothing else I could do which was frustrating at the time.
I let it go for my sanity for a couple of months and also because my credit card was under a promotional 0 % APR until XX/XX/XXXX, I then contacted XXXX 2 months after to see if I could receive a reimbursement through them but they said there's nothing that can be done since I overwrite their authority ( according to their policy ) since I started the claim with my credit card company in the first place.
I've been struggling with this charge for almost a year, talking to multiple representatives and supervisors on the phone, losing precious time I could have dedicated to more productive activities.
On top of this, my credit card started charging me interest on this purchase after XX/XX/XXXX. I'm currently furloughed from my job since 3 weeks ago and economic situation we're leaving in had force me to review and revaluate my finances.
I should not be held responsible for this charge and would like to have this amount refunded.
Hope I have made myself clear, please let me know if you need any additional information. If so, I can be reach at XXXX.
Thanks for helping me solving this issue, Sincerely, XXXX XXXX XXXX Capital One Claim Numbers XXXX - XX/XX/XXXX - 1st Claim XXXX - XX/XX/XXXX - 2nd Claim I uploaded the attachments and supporting documents in chronological order ( some of the email exchanges with the Rental Company are in XXXX as this is the native language in the XXXX XXXX )
|
02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To whom it may concern at Consumer Financial Protection Bureau : I am writing about a very concerning situation in dealing with both Capital One and a merchant, XXXX XXXX. I purchased concert tickets to a XX/XX/XXXX show for the artist XXXX XXXX on XX/XX/XXXX. While purchasing the tickets, I saw that on the website and mobile app, it said that tickets were returnable up until XX/XX/XXXX, with no mention of tickets not being returnable to their original purchase form. My ticket, which was sent to Capital One along with other documents of proof, show the ticket is simply returnable.
I am unable to attend this concert, so I reached out to XXXX XXXX on XX/XX/XXXX through their chat system, and spoke to a representative, XXXX, whose chat was uploaded to Capital One 's portal as another document of proof. When speaking with XXXX, I simply expected instructions on how to officially return my ticket to receive the credit to the original form of payment, which is my Capital One Card. It was here that XXXX informed me that my tickets werent returnable or refundable to my original payment, that they give a credit to XXXX XXXX, which is not explicitly stated when making the purchase. If they had used language such as returnable as a credit to XXXX XXXX instead of simply returnable, then I would completely understand and would have not purchased the tickets in the first place, because this was too big of a purchase to make to not have the ability to return it for the full amount to my original form of payment. For this, I have also filed a report with the Attorney General of XXXX against XXXX XXXX, which is where their main office is located.
In further investigation online, there are myriad reports from other consumers who have complained of this fraudulent act by XXXX XXXX. Stating something in their policy that contradicts what is on their site as you actually make the purchase and what is on the ticket receipt that they email you itself, should be grounds for Capital One to immediately reverse this charge and credit my account back for the full amount. By not doing this, Capital One sends a message to consumers that they support fraudulent and dishonest practices by merchants with absolutely no protection to their customers. As a customer of XXXX and XXXX XXXX, I have never dealt with this level of recklessness and carelessness from a Credit Card company, and bank.
I want it noted that when I spoke to Capital One on XX/XX/XXXX, I was told that a temporary credit would be issued to my account while this dispute was ongoing. I was never able to use this credit, as it was locked on my account. I was told that the dispute would take 30-90 days. I was told that a letter would be mailed to me with instructions on how to submit my documentations of proof, and that would be reviewed along with the documentation of proof from the merchant. When I checked my account today, XX/XX/XXXX, I was troubled when it showed the full amount was charged back to my account. When I spoke to the representative at Capital One, she said that it was charged back because I never responded with proof and the merchant did. She said they sent a letter, which I never received. She also said the case was not considered closed. Upon further checking, she found that the letter was sent on XX/XX/XXXX, which is why they never received a reply from me with proof. I asked her to remove the charge as it was still ongoing, but she declined. I switched to paperless so that she could send me the letter and I could provide the proof this way. In the letter, it stated that the case was in fact, considered closed, because the merchant replied, even though I was unable to reply due to the fault of Capital One.
The fact that this dispute was handled so poorly with little regard for me or my familys finances, is extremely concerning and worries me about Capital One. I have provided myriad forms of proof to Capital One and can provide them for your office and hope that you can help me with his issue. I can be reached at XXXX for further information. Thank you.
Respectfully, XXXX XXXX
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05/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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Around XX/XX/2020, XXXX XXXX NY system informed me that they couldn't replenish my account due to the inability to transact with the assigned credit card. I found out it was Cabela 's Club card, issued by Capital One and serviced by XXXX.
I called Capital One ( " CO '' ) and learned that card was made inactive - in my dictionary it meant " closed '', although CO argued that classification - due to the need to verify my identity. I responded that I had had Cabela 's card for 19 years and no problems were discovered. My payment record was spotless.
CO claimed that there was some discrepancy in my SS # on the record with CO. As it occurred, Cabela 's organization merged with Bass Pro Shops, and issuing bank had been switched from XXXX XXXX XXXX XXXX to CO , and servicing company form XXXX to XXXX . Something went wrong and, apparently, CO exercised very peculiar kind of due diligence - first froze the account and then asked questions. No word of apology.
When I called CO, I was connected with Fraud Department. It was demeaning - I am no fraudster - but I had to deal with them. They said that they needed to confirm my SS # and demanded copy of my SS card. I raised objections, since it is well established by law - in the state of NY as well - that only certain governmental organizations and employers may request copy of actual SS card.
OC basically responded that it was their " policy ''. When I pointed out that CO 's policy contradicted the law, their answer was I either provide them with the copy or my account would be closed. I got caught in the situation when somebody's negligence or error required my action to remedy that. I strongly objected and said that I didn't want to deal with them, I just wanted my Reward Points to be refunded to me and they could close the account. They said that it couldn't be done because my account was " not in good standing ''. I for explanation and I was told that since the account had been " deactivated '' it is considered to be not in good standing. Well, CO was trying to steal my money! It irked me, but I was talking to the wall. To make the story short, I was forced to provide copy of my SS card. And I did on XX/XX/2020.
In XX/XX/2020 I called CO and asked about the status of my case. I was told that my SS card was nowhere to find. I agreed to fax another copy and I did.
In XXXX I received a letter from OC dated XX/XX/2020 ( Attachment 1 ). Page 1 is telling me that my account has been " restricted '', because I hadn't provided information or documents I provided could not be verified. Letter says that required information was " Cardholder 's SS # ''. Well, I filled out attached Fax Cover Sheet ( Attachment 2 ) and faxed copy of my SS card THIRD TIME.
Fax confirmation sheet indicating 3 faxes to OC is attached as Attach. 3.
On XX/XX/XXXX XXXX received a message to call CO. Phone XXXX - Fraud Department again. When I called I was told that I need to send copy of my government-issued ID, preferably Driver 's License, both sides. I asked why both sides. Answer was, to run the verification against the XXXX database. I said that only law enforcement has the right to do that. They said that the law requires them to do that. I asked what laws and I received no answer. Visibly CO 's regulations took precedence owe the existing laws of the land. CO said " too bad - either/or ''.
And that's why I complain to the CFPB. I would like to make crystal clear that I will not adhere to the CO 's outlandish demands nor I will be blackmailed into submitting documents containing my personal, sensitive information, that CO does not have any business or right to posess.
In particular I complain about : - CO 's complete and utter disregard for the letter of law, civil rights, security of personal information, not mentioning breach of contract.
- Abuse of authority.
- Perverting existing federal laws for reasons unknown and without good cause.
- Depriving me of my money in the form of Reward Points, under the pretense that my account was somehow " delinquent '', - Inconveniencing me by disabling the account without notice and without good cause.
Respectfully, XXXX XXXX
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03/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
I am writing to express my deep concern about the discrimination I have experienced at the hands of Capital One Bank in response to Operation Choke Point. This initiative has had a devastating impact on my personal and professional life, and I am reaching out to you in the hope that you can take action to address this injustice.
As you may be aware, Operation Choke Point was a federal program targeting certain industries and individuals deemed " high-risk '' for fraud and money laundering. While the program was officially terminated in XXXX, its effects are still being felt by many individuals and businesses, including myself.
Specifically, I have been unfairly targeted by Capital One Bank which has used Operation Choke Point as an excuse to discriminate against me as an individual. Despite having a solid financial history and no evidence of any illegal activity, I have been denied access to banking services and subjected to a great deal of scrutiny and suspicion.
In XXXX of XXXX, I opened business checking accounts and one escrow account on behalf of the company I work for, a financialtechnologycompany. As an XXXX and the XXXX of the company, one of my responsibilities is selecting partner banks to hold customer funds. On XXXX, XXXX, all of my company 's business accounts were abruptly closed, and {>= $1,000,000} went missing without warning.
Our business banker didn't even reach out to me until XX/XX/XXXX when he texted me " What happened with the account? '' The next day I received an email stating, " Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. '' Furthermore, my colleague received the same email with slightly different language. The email to my colleague stated, " Well be closing your account ending in XXXX and XXXX because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. '' A similar action was take when the company I'm currently working for was asked to remove me as a signer for our business accounts in XXXX. Again, no explanation was given to me or my employer.
I believe this discrimination is directly related to Operation Choke Point because in XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX licensed by the New York Department of Financial Services. During my time as this check cashing company, we were told Capital One made a business decision to exit the servicing of Check Casher clients. A lot has been written and exposed in connection to Operation Choke Point but ultimately, Capital One had major anti-money laundering deficiencies in their compliance program and decided it was easier to end its relationship with these " high-risk '' companies rather than deal with the threats and scrutiny of the US Gov . At this same time my personal credit card and IRA were closed without warning as well.
That is a business decision and I can understand the risk/reward tradeoff here. What is not OK is that myself, as an individual, has been blacklisted by Capital One. I have no criminal history and no longer work for the check casher.
This discrimination has had a significant impact on my ability to conduct business and maintain my personal financial stability. I have been forced to seek out alternative banking options, which have been time-consuming and expensive. Moreover, the stress and anxiety caused by this discrimination have taken a toll on my mental health and overall well-being. Even worse, is the abrupt closing of our accounts has caused the board and co-CEOs of my current company to worry about me as a liability. I could lose my job because of this.
I am writing to demand action from the FDIC to address this injustice. It is unacceptable that innocent individuals like myself with no history of adverse past or present legal action are targeted and discriminated against. I urge you to investigate this matter thoroughly and take steps to hold the bank accountable for its actions.
I appreciate your attention and look forward to your prompt response.
Sincerely,
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03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
To whom it may concern : This letter is intended to be a progressive account of the credit requested and granted for my airline purchase from XXXX.
On XX/XX/XXXX, at around XXXX XXXX EST, I spoke with a family member and decided to take a trip to California in XXXX for a family function. At that time, I started searching online for a flight. I found a flight that had favorable departure and arrival times and decided to book the flight. I went on the XXXX website and booked the flight, entering all of my pertinent information. This flight was made at approximate XXXX XXXX on XX/XX/XXXX. I received a confirmation email from gotogate.com acknowledging this flight arrangement was made, and the email included the Order # XXXX and the Flight confirmation XXXX ( attachment # 1 ).
Immediately after booking the flight, I realized there was another flight for the same amount that I could purchase directly from XXXX airline, so I decided to do that. At that point, I purchased another flight directly from XXXX airline. The confirmation for that purchase is attached ( attachment # 2 ).
After purchasing my flight from XXXX, I went back to XXXX to cancel my booking.
Per XXXX, the policy for cancelation/refund is as follows : How does the refund process work?
Because of the pandemic, the airline industry is facing a difficult situation with a large number of flight cancellations and pending payment refunds. If you wish to change or cancel your flight reservation, we will contact the airline on your behalf, although please keep in mind that airline rules vary from airline to airline and we can not guarantee that the airline you are traveling with will be able to meet your request. Please know that we are doing our best to support you in this challenging situation. Read more about our fee for the manual handling here.
We handle all refunds or change requests in the order we receive them and the expected handling time is longer than usual due to the pandemic and the increased volume. We are doing our very best to assist you as quickly as possible.
How will you keep me informed about updates?
You will receive an email when your change or refund has been processed and we ask you to wait for such further information via email before contacting us. Remember that you can check your refund status by logging in to " My Bookings '', which you can access through the top right corner of our site, or by clicking here. Log in with XXXX or XXXX if you used your linked email account to make the booking, or enter your order number and the email you used when booking.
Additionally, the XXXX cancelation policy states : If a Guest cancels a reservation within 24 hours or less from booking, for a flight that is seven or more days away, they are eligible for a full refund in the original form of payment. Guests who are not entitled to a refund will receive a Reservation Credit for the remaining balance of the original purchase after change, cancel, and / or other non-refundable service charges are deducted. Airfare and government tax and fee differences may apply when making itinerary changes to a reservation. Change and cancellation charges do not apply to bookings made prior to XX/XX/XXXX ( XXXX XXXX XXXX XXXX
Based on these policies, I submitted my cancelation request within 24 hours or less from booking for a flight that is seven or more days away, and should have received an email confirming the cancelation was successful. I submitted my request and received a confirmation email that the refund has been processed and that the cancelation was successful via email, attached ( attachment # 3 ).
I do not understand why this claim in denied. Please reopen this case and submit my credit for the refund of {$210.00} ( the total airline charge of {$210.00} less a discount of {$1.00} ).
Please contact me regarding next steps and when I can expect a proper resolution for this issue.
Thank you, XXXX XXXX XXXX XXXX XXXX UPDATE : On XX/XX/XXXX, I received a confirmation letter from Capital One that my dispute is being denied because I did not submit the correct documentation. I submitted all documentation relevant to the case.
|
03/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
As I was leaving the mall a sales lady at XXXX XXXX XXXX handed me a sample product and asked me to sit down that she had a product to remove the bags under my eyes.
I wear reading glasses and put my glasses into my purse so she could apply the product. I ended up buying the product on XX/XX/2019. The product cost {$320.00} with tax and they also gave me a card for a " complementary non-surgical face lift experience '' valued at {$600.00}. After I signed the receipt the sales lady asked when did I want to come in for my {$600.00} special. I said I was in a rush and would call later and set a date for that appointment. I did not have my reading glasses on when the sales lady pointed to a place below my signature on the receipt and asked me to initial it. Unfortunately, I could not read what I was initialing without my glasses. I thought my initials were for the {$600.00} special card and that I would call later to schedule it. When I got home and looked in my mirror I was not happy, this {$300.00} product did not work my bags were back. I went back to XXXX XXXX XXXX the next day, XX/XX/XXXX around XXXX XXXX I spoke with a salesman and said I was not happy with the product my bags came back very quickly. I said I had not opened the product and wanted a refund. The salesman said we do not allow refunds and I took out my cellphone and called Capital One, the credit card company that I used to purchase the product. A man a Capital One spoke with the salesman and then the salesman handed the phone back to me. The salesman told me to leave and would not give me a refund. That was around XXXX XXXX on XX/XX/XXXX. I later called Capital One disputes section again ( around XXXX XXXX ) to make sure it was documented. On XX/XX/XXXX I looked at my Capital One statement and this charge was not disputed. So I called Capital One and the lady in Disputes said because the credit charge had not cleared on XX/XX/XXXX the information that both Capital One employees had entered into the system disappeared. She took down my information and started the dispute again. Capital One sent me a ltr dated XX/XX/2019 requesting that I respond to their letter if I still wanted to dispute the {$320.00} charge. The envelop was run through a Capital One postage meter on XX/XX/XXXX. Within a day or so of receiving this letter I responded to Capital One on XX/XX/XXXX by mail and also faxed the letter.
Capital One issued a letter to me dated XX/XX/XXXX and this is why I am filing a complain about Capital One : Their letter is requesting, " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. I responded immediately upon receiving this letter. I stated in my XX/XX/XXXX letter that I mailed and also faxed to Capital One that I felt that it was not appropriate. " I do not believe I should find another merchant and ask them to comment on XXXX XXXX. I think you are asking me to conduct an unethical act. '' There were a few other questions in their letter and I responded to them. I received a telephone call the next day from Capital One and the lady said she received my fax and without the " second opinion on letterhead '' they would close the case and not in my favor. I told her I disagreed that I had never heard of a company requiring a customer to do such a thing. She said she would be mailing me their response in writing.
So this complaint is about Capital One requiring a customer to get a second opinion about another company. I don't believe I could find another Spa that would be willing to do such an unethical thing. I tried to return the product within 24 hours of the purchase. I still have not opened the product and when I tried to return the product the salesman said no refunds and would do nothing for me. I believe I should receive a refund.
Just one more piece of info : I have been a wonderful customer of Capital One for over 19 years, always paying on time and very few refund issues ( this may be the first ) and I am very disturbed that they treat a loyal customer this way.
|
08/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I made a purchase for 2 airline tickets on XX/XX/XXXX at XXXX XXXX from XXXX for my parents, and I received a message that my purchase was declined by my credit card company " capital one '' and I also received an email from capital one ( see attached ) that says even if I confirm a purchase theres no guarantee that it will go through after its declined, therefore I knew my purchase was not successful and got declined. I was never notified that my purchase was confirmed, although I authorized the purchase, but again seeing the email that stated even if I authorize a purchase, declined transactions will stay declined. I checked my app for 24 hours there was no charge not even a pending charge. After 48 hours on XX/XX/XXXX I see a charge of {$1600.00} appear on my account out of nowhere. I called the merchant " XXXXXXXX XXXX' to ask about this charge they said it was made successfully and I have tickets, but I didn't get any confirmation and I even got emails both from the merchant and the credit card company that my transaction was declined, therefore I went and bought 2 other tickets from another merchant for the same flight for a higher price to avoid my card getting declined. I told them this purchase was not confirmed and it needs to be cancelled. The merchant " XXXX '' told me that 24 hours has already passed from the purchase date and in order to cancel these tickets I will have to pay cancellation fee of XXXX XXXX I immediately called capital one to dispute the charge because I was not going to pay cancellation fee for a purchase I was informed that it got declined. Capital one agent agreed with me and helped me file a dispute making sure I will get my full money back, I also asked capital one agent the reason my purchase got declined and the agent told me it was because the merchant looked fraudulent and got declined to protect me. I asked the agent If I should cancel the ticket, the agent told me NOT TO CANCEL the ticket and I will get money back. On XX/XX/XXXX my account was refunded with the amount of {$1600.00}.
A few days before the flight a third party company called XXXX kept sending me emails and calling my phone number appearing as being the merchant and sending me manipulative emails that asked me to respond to the email and confirm I will use the tickets, I called capital one and the agent advised me not to call the merchant and keep a copy of the email received to provide it to capital one when asked.
On XX/XX/XXXX after a whole month without any further request for information the charge reappeared on my account. Capital one 's document stated that the merchant stated there was no cancellation as per policy, but wait I was advised not to cancel my ticket because I was going to be charged a fee for a purchase I wasn't made aware it went through. I went ahead and provided more information per capital one 's request to continue the dispute. I provided a detailed letter of what happened a screen shot of the purchase appearing on XX/XX/XXXX although I made the purchase early XXXX and the emails I got that my transaction was declined, but every time I submitted documents and called capital one they asked for proof of cancellation although they advised me not to cancel the ticket. How I was going to have a cancellation proof when I had no confirmation of purchase to begin with and I was advised not to call the merchant and not to cancel anything.
After long hours of conversations with XXXX employee ID XXXX that was very rude and manipulative several times stating that capital one did not send me a message declining the transaction, or that the merchant recharged me the amount, I lost hope and felt abused. Every time I wrote a letter and provided evidence I received the same response, as if didn't even review what I have submitted.
I want to repeat again the tickets I tried to purchase were declined and appeared on my account after 48 hours without any confirmation or notification. Capital One should be responsible for this mistake and for giving a sudden authorization after declining a purchase without properly notifying that my charge was allowed after being declined.
|
03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
Issue -Capital One erroneously created a duplicate set of scheduled XXXX checks.
-Capital Ones attempt to mitigate one set of duplicate checks was incorrectly completed.
-Capital One provided incorrect information for the status of all XXXX checks.
-Payees were negatively impacted when check items that Capital One cleared as good for deposit were returned stop payment. Most payees have not successfully deposited or benefited from the XXXX checks.
-The account is in a current loss position of {$10000.00} due to Capital Ones errors.
-The general manager of the account has made 6 phone calls to Capital One spanning 21 hours and spoken with more than 12 representatives. Capital One has failed to remediate the issue or even meet established timeframes for remediation, rather choosing to create new claim numbers.
Overview -Partnership account setup under XXXX.
-Monthly distribution to partnership participants setup through scheduled XXXX disbursements ( XXXX x {$720.00}, XXXX x {$4300.00} ).
-XXXX disbursements originally setup under online banking profile setup using partnerships XXXX.
XX/XX/XXXX -Phone call to Capital One for assistance with scheduled XXXX checks. Unable to edit payees in online banking to change address for one payee.
-Representative advised online banking profile where payees setup restricted due to profile being setup under XXXX.
-Representative setup new scheduled XXXX distributions for same 9 payees under existing online banking profile setup under partnerships general managers XXXX.
-Representative did not delete payees from online banking profile setup under TIN, even though she knew that the profile was restricted and action could not be completed without Capital Ones assistance.
-Capital One created a duplicate set of scheduled XXXX payees.
XX/XX/XXXX XXXX scheduled checks disbursed ( XXXX x {$720.00}, XXXX x {$4300.00} ).
-10 duplicate checks disbursed ( XXXX x {$720.00}, XXXX x {$4300.00} ).
-20 paper checks created converted to Draft Check, Single Pay, XXXX.
Week of XX/XX/XXXX XXXX paper checks received by payees in mail.
XXXX paper check never received in mail.
XX/XX/XXXX -Phone call to Capital One ( XXXX hours ) to correct error.
-Call serviced by XXXX representatives ( XXXX XXXX XXXX XXXX.
XXXX XXXX determined to stop duplicate items as mitigation.
-10 checks stopped ( XXXX x {$720.00}, XXXX x {$4300.00} ) ; check numbers provided.
-10 checks instructed for payees to deposit ( XXXX x {$720.00}, XXXX x {$4300.00} ) ; check numbers provided.
Week of XX/XX/XXXX -Payees deposit checks per Capital One instructions.
-Payees begin to report check returns due to Stop Payment ( *several images of check returns provided ) and fees incurred.
XX/XX/XXXX -Phone call to Capital One ( XXXX hours ) to report returns and original issue.
-Call serviced by 5 representatives with no resolution.
-2 claims opened, expected resolution is 15 days.
XX/XX/XXXX -Phone call to Capital One ( 3 hours ) to request status of claims.
-No resolution provided, advised 20 days and cut off from rep. Unclear if 20 days from original claim or additional 20 days for resolution.
XX/XX/XXXX -Phone call to Capital One ( 4 hours ) to request status of claims.
-Required to re-report original issue to representative ( XXXX XXXX ; 4 new claims opened.
-Requested a manager call-back, none received.
XX/XX/XXXX -Phone call to Capital One ( 2 hours ).
-Spoke to multiple representatives ( XXXX XXXX XXXX XXXX XXXX XXXX with no resolution.
XX/XX/XXXX -2 phone calls to Capital One ( 4 hours total ).
-Spoke to multiple representatives ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no resolution.
-5 claims opened. 5 letters received advising claim has successfully been resolved. ( Good news! ) -Advised to call XXXX XXXX because some XXXX checks created through XXXX XXXX vendor services. Call to XXXX XXXX advised to contact Capital One for resolution.
-Advised to relax and not stress about issue.
As of XX/XX/XXXX XXXX7 phone calls totaling 21 hours with 12+ representatives.
-11 claims opened with no resolution.
-Capital One owes account {$10000.00} to make whole.
|
09/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a layover at XXXX XXXX in XXXX, IL. While in the airport, I attempted to use my XXXX XXXX debit card to buy a beverage. It was declined. Prior to leaving for my trip, I had over {$1000.00} in my account. When I checked my XXXX XXXX bank account after my attempted purchase was declined, I had {$1.00} left in my checking account. I called XXXX XXXX to find out why {$930.00} was withdrawn from my account. They told me Capitol One applied a debit to my account for unauthorized transactions. I immediately report to XXXX XXXX that Capitol Ones debit to my account was unauthorized and the money needed to be applied back to my account immediately. They told me they couldnt do that as it was Capitol One that took the money out. I was instructed to file a dispute with XXXX XXXX fraud department by sending screenshots and an explanation as to why the charges were authorized. In a letter to me from XXXX XXXX dated XX/XX/2022, they said Capitol One notified them that the sender of the XXXX XXXX transfers I received on XX/XX/2022, XX/XX/2022, and XX/XX/2022 in the amount of {$300.00}, {$80.00}, {$200.00} and {$500.00} were reported to them as fraudulent or unauthorized. There wasnt enough money in my account apparently for them to deduct the full amount, so XXXX XXXX said they deducted {$930.00} from my account, leaving {$1.00} in my account.
They told me to contact the person who agreed to send me money to resolve any payment issues. I contacted the person on XX/XX/2022 and we called Capitol One together since they wont speak to me since I dont have an account with Capitol One.
Called Capitol One on XX/XX/2022 with their account holder on the phone to verify that he did in fact authorize those charges. Capitol One told us that they denied his initial claim of the charges being unauthorized and therefore never put the money back into his account. Capitol One also didn't send the funds back to me, the person whose account they took the money from. According to XXXX XXXX, Capitol One has the money sitting in a settlement account and needs to get the money back to me. XXXX XXXX gave me an ACH TRACE ID, XXXX, to provide Capitol One to trace the money to get it back to my account. They said they would submit the request to trace the money and get back to their account holder with the status in 2 business days. I do not know if he ever heard back from them. The communication between me and their account holder is limited as he has a no contact order from a judge in XXXX XXXX XXXX, WA and is no to be in contact with me for 5 years. As a result, this is difficult for me to resolve on my own since I don't have a Capitol One account, yet they are holding the money that was transferred to me in XXXX that was in fact authorized, which the account holder also confirmed and agreed he did authorize.
As of today, XX/XX/2022, I, XXXX XXXX, still do not have the money back in my account.
I notified XXXX XXXX on XX/XX/XXXX that the deduction of the money from my account was unauthorized and the person did in fact authorize the XXXX transactions to my account and I have proof via many prior XXXX transfers made to my XXXX XXXX account from him as well as text messages showing his intent to pay and admission that he paid. According to Capitol Ones customer service, they denied his claim and never put the money back in his account to begin with. But again, they still havent returned it to me.
It appears to me, XXXX XXXX, that both XXXX XXXX and Capitol One may be in violation of banking regulations since I reported this to both XXXX XXXX and Capitol One on XX/XX/2022, yet Capitol One probably has no record of this since they wouldnt speak to me not having an account there.
How do I get my money back since XXXX XXXX says it's up to Capitol One to return it to me, but Capitol One won't speak to me not having an account there? Also, how will these banks be held responsible for not following the guidelines that are listed on your website to resolve this in a timely manner after I reported it ( the day the money " disappeared '' from my account )?
|
11/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
Capital one charged my account 7 overdraft fees for minor transaction totaling less than XXXXXXXX XXXX at the time my account was in the positive and certain transaction had been in pending status for well over a week. as soon as I made a larger purchase capital one then applied all transactions at once causing several overdraft fees when I attempted to contact them about this matter they then restricted my account and refused to remove the overdraft fees as I was still making payments into the account. they falsely reported the accurate amount available in the account and this all occurred during the pandemic when I claimed hardship. My account should haven't been restricted and is still open to my name as of today I have access to the account and can make deposits into the checking account just not retrieve any money put into the account. MY information has been reported to XXXXXXXX XXXX as a closed account with a inaccurate balance.
XX/XX/XXXX balance was XXXX XX/XX/XXXX payment for XXXX for rent XX/XX/XXXX payment for XXXX cell phone which should've resulted in a negative balance of XXXX of that I deposited on XX/XX/XXXX XXXX which should've brought the balance to XXXX which I had arrangements to make that Friday XX/XX/XXXX instead Capital one posted previous transactions dating XX/XX/XXXX - XX/XX/XXXX and processed them on all on XX/XX/XXXX XXXX resulting in 7 overdraft fees totaling XXXXXXXX XXXX each.
I immediately contacted Capital one to discuss the discrepancy because my payments normally post in 1 day and have never taken a week to process the representative stated capital one had the right to post transaction as they please and she couldn't reverse the over draft Fees I continuously made Payments into the account where I later discovered the account had been restricted again I called with no justice and again I reminded Capital one these transaction had occurred during the pandemic and that I had claimed hardship and was making payments towards the remaining balance of XXXX the account as of today has charges totaling XXXX I hope to get this resolved and the balance cleared I am willing to pay the XXXX if requested. I just want capital one to take my account out of XXXXXXXX XXXX and remove my account out of restricted status and close the account it has caused me issues with obtaining business with other financial institutions and seems illegal to have an account still open to my name listing it as Capital one charged my account 7 overdraft fees for minor transaction totaling less than XXXXXXXX XXXX at the time my account was in the positive and certain transaction had been in pending status for well over a week. as soon as I made a larger purchase capital one then applied all transactions at once causing several overdraft fees when I attempted to contact them about this matter they then restricted my account and refused to remove the overdraft fees as I was still making payments into the account. they falsely reported the accurate amount available in the account and this all occurred during the pandemic when I claimed hardship. My account should haven't been restricted and is still open to my name as of today I have access to the account and can make deposits into the checking account just not retrieve any money put into the account. MY information has been reported to XXXXXXXX XXXX as a closed account with a inaccurate balance.
XX/XX/XXXX balance was XXXX XX/XX/XXXX payment for XXXX for rent XX/XX/XXXX payment for XXXX cell phone which should've resulted in a negative balance of XXXX of that I deposited on XX/XX/XXXX XXXX which should've brought the balance to XXXX which I had arrangements to make that Friday XX/XX/XXXX instead Capital one posted previous transactions dating XX/XX/XXXX - XX/XX/XXXX and processed them on all on XX/XX/XXXX XXXX resulting in 7 overdraft fees totaling XXXXXXXX XXXX each.
I immediately contacted Capital one to discuss the discrepancy because my paymnets normally post in 1 day and have never taken a week to process the representative stated capital one had the right to post transaction as they please and she couldn't reverse the over
|
11/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
XX/XX/XXXX Capital One interrupted and declined a modest retail online purchase due to " fraudulent activity flagged '' as the only explanation offered by Capital One at XXXX ( the only U.S. Ph # provided on card ).
XX/XX/XXXX, I called Capital One and was told by call center rep that original card would be deactivated immediately ; that a new, replacement card would be issued and mailed to my residence. Capital One would not discuss nor offer any explanation concerning the supposed " fraudulent activity ''.
On XX/XX/XXXX I determined Capital One deactivated my original card -- this was 3 days later than they had assured. The new, replacement card ( that was to have been mailed to my residence ) has NEVER been received. FYI, my mail is delivered to a steel, locked, numbered mailbox down the street and my mail delivery is enhanced by XXXX ' informed delivery service.
Between XX/XX/XXXX and XX/XX/XXXX several calls to Capital One to check status of my card 's replacement were met with extremely rude responses that included : " ( We ) will not talk to you as you do not have a cell phone '' or " ... because you do not have a cell phone number ''. " ( We ) do not even have an address for you '' ( another false assertion ). I was additionally told " You can not /will not be able to speak to anyone else '' before being hung up on/disconnected several times. Capital One never once communicated ANYTHING IN WRITING WHATSOEVER to this credit account holder ( customer ), actions both unprofessional and unethical. I was told early on by call center rep that new card had gone out ( that was a lie ; not true ; no replacement card has ever been received ( MOST LIKELY CAUSED BY NO REPLACEMENT CARDS HAD EVER BEEN ISSUED OR SENT TO MY RESIDENCE. There was ONLY ONE CUSTOMER SERVICE TRUTH ever spoken when a call center rep advised me there " had never been any fraudulent activity '' on or related to my account.
FYI, since accepting Capital One 's offered card in XXXX, I have maintained the Capital One credit card account : AS ALWAYS ; PAID IN FULL ( statement balance ) AND ON TIME EACH MONTH. Capital One owes me a very serious apology for their non-existent, dismal excuse for customer service, beginning with their contrived " fraudulent activity '' hype and extending through the numerous false statements made to me : of having deactivated the old card on XX/XX/XXXX when this was not handled until XX/XX/XXXX ; of assuring replacement card was sent ( when nothing of the kind had occurred ) ; when suggesting that I just needed to wait longer ( for what- pray tell? ). Capital One left their call center operators in charge of foisting abuse and disrepect upon their customers/account holders. A bad move, I'd say.
On XX/XX/XXXX, I went into a basic, little Capital One bank location in XXXX, MD. There, customer service " ambassador '' XXXX made a phone call, then left the room ; returned and said my card would follow in aproximately 3 or 4 days ( another disrespectful and false statement ) as it is already 6 days later and there is NO REPLACEMENT CARD ( AGAIN ) AND NO ACCOUNTABILITY ( AGAIN ) at Capital One.
It seems obvious to me that Capital One has directly caused and is responsible for ALL the above events ( including issuing and repeating false statements, making numerous false representations, hyping " fraudulent activity '' nonsense involving my account -- that had reportedly never occurred ; and failing to communicate ANYTHING WHATSOEVER IN WRITING TO THIS CUSTOMER for the nearly SIX WEEKS I HAVE BEEN AWAITING AN APOLOGY AND SOME LONG OVERDUE RESOLUTION. Seems your own organization 's poor handling and lack of oversight is the root cause of ALL your demonstrated business, practical and ethical failures. I AM WAITING SIX WEEKS FOR YOU TO CORRECT YOUR EVER ACCUMULATING MISTAKES ; TO APOLOGIZE AND TO COME FORWARD WITH A RESOLUTION WITHOUT ADDITIONAL DELAYS. Your customer service is horrifc. I am a credit account holder, a customer ( who you seem to know well enough who I am when mailing your statements each month. " Acting '' and responding in a professional manner would be appropriate for a change.
|
02/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I was recently informed via email that my funds were no longer available for withdrawal. When I called capital one I was told that they were terminating my relationship with them and they were not forth coming whatsoever as to why this was. I was basically told on the phone that capital one doesn't have to give me an explanation. I have banked with capital one for 2 or 3 years or so. I had direct deposit when i was employed through XXXX XXXX and i do have a lot of XXXX payments that get deposited into my 360 checking account. EVERY DOLLAR IN MY ACCOUNTS CAN BE 100 % VERIFIED. I have 6 accounts ; an auto loan account, 2 credit card accounts, a 360 savings & checking account, and a very small CD account. There is over XXXX in my checking account that I have zero access to, which is all I have to live on and to pay my bill 's. I have always been on time or before time with my loan payment ( s ) and both credit card ( s ) I have with capital one. I have fair credit and because no one contacted me via telephone to talk to me, verifying anything, even though they will over a password change, that if there was a problem with any of my accounts that they say I am now 7 day 's late on with my truck loan of which, at one was around a year ahead. As you're aware there are not suppose to be any penalties for early payments. Yet i was so far ahead, at one point, the mobil app refused to allow me to make anymore payments. I am not referring to the only being able to make 1 payment a day max for the auto loan but rather of the entire amount.That payment was made on XX/XX/2023 around noon, ( and with little effort on my end I can verify that as well ) and showed that it cleared out of my checking account and the bank redacted that payment XX/XX/2023 at XXXX XXXX, right around 36 hours or so later, after it cleared and yes I do have a screenshot of it as well, and I also spoke with capital one auto finance and they DID in fact verify that the payment went through but capital one auto informed me that capital one took that payment back. But four other payments were made out of my 360 checking account that very day and cleared and no returned payments on any of them. I would also point out that my truck payment was the first thing that day to come out of my account because that was my biggest bill to pay. So at this point my auto loan is 7 day 's past due. Im not sure if its a 7 or 10 day grace period because Ive never had to worry about it. I have never been late with my loan payment and have done right by capital one since day one. I feel with as many issues I have had to deal with in regards to capital one that I am well within my rights to DEMAND an explanation for what has become a serious hardship cause of suey. I was told that if I had a bank account outside of capital one that my funds would be able to be transferred to that account or I would have to wait 7 to 10 business days for a check to be cut and sent to the address on file. I called and asked when I could be expecting my check to be sent out and was then transferred to yet another department that would be able to provide all the details and i could not even get the lady to understand me and i speak english just fine. After being transferred I explained what I needed to know and was hung up on after a 30 minute hold, twice over. This is completely and utterly unacceptable! I can't even go to a Capital One branch to speak with someone to clear all of this up because there isn't a branch in the state of Ohio! There's a Capital One Cafe 70 miles one way from where I live. But was told that they couldn't be of any assistance because their only allowed to verify information in the system. I said I would like to be transferred to someone in charge above all these customer service representatives and the so called back end managers who don't even know what a corporation is or does because one of the capital one managers actually per batum told me she did not know what a corporation headquarters were or even if she was part of corporate. So capital one has over XXXX of my funds and also a small CD account and I want to know when to expect it
|
10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I had a XXXX XXXX that was set up with autopay/auto debit. I was never notified that Capital One would be taking over for BJs XXXX in XXXX of XXXX. In early XXXX of 2023, I called XXXX XXXX and asked them to send me a new credit card because mine had expired. I never received a new card. On XX/XX/XXXX, I was charged an annual fee for BJs membership automatically, which should have been taken care of by the autopay. When Capital One took over the company, all auto payments stopped. I was never sent any communication about this occurring and it happened without my knowledge. I was never sent a statement or a bill. It was not until XXXX of 2023 when my credit was adversely affected that I investigated what was going on. I called Capital One at least XXXX times between XX/XX/XXXX and XX/XX/XXXX to rectify the issue. Each time I called, I had to explain the situation to XXXX different people but to no avail. I paid the balance in full and closed the account so it would not further hurt my credit. However, interest and fees wracked up monthly since that automatic charge occurred. So the initial charge of {$69.00} ballooned into {$240.00}. I had made no other purchases and I had not used the card at all. I am now in the process of buying a home and obtaining a mortgage. On XX/XX/2023, I sent a letter to the president of Capital One stating the following : Dear XXXX XXXX, Good morning. I want to share with you an unsettling situation that is impacting my ability to get a mortgage. I previously had a credit card with XXXXXXXX XXXX XXXXXXXX, and I was told by your customer service representatives that in approximately XXXX or XXXX of this year, your company took over that relationship. At this point, my account started getting paid through you unbeknownst to me. I was never contacted, emailed, or sent a paper bill or statement. XXXX XXXX charged their annual fee to the card that had been previously inactive, and it started accruing interest and fees, again, unbeknownst to me, until I checked my credit report in XXXX, which stated that my credit plummeted to XXXX from XXXX.
Now I am being told by your customer service representatives that I need to send a letter to your Department of Credit Bureau Disputes, and I need to wait 30 days for a response, when I will be closing on my home in less than 30 days.
The problem your company created by charging me erroneously could cost me {$100.00} per month additional, {$1200.00} per year additional, and {$38000.00} additional over the life of the loan for my home mortgage. This financial burden has been created because of your company, Capital One. How can you quickly help me solve this problem that I did not create?
I would like to hear back from you by XXXX, or I will start the complaint process with the Consumer Financial Protection Bureau and the XXXX XXXX XXXXXXXX XXXX Department.
I understand that these things happen. Unfortunately, I need a quick resolution to this, and I need your assistance with that.
I did not receive a response until yesterday, XX/XX/2023 when someone from Capital One called me and told me there was nothing they could do. XXXX XXXX, I then called XXXX who switched me back over to Capital One and I was on the phone for an hour and a half explaining the same situation to XXXX different people, only to have them tell me that the only thing I can do is send a letter to their Credit Bureau Disputes Department, wait 30 days for a response, and then another 7-10 days for it to be delivered. I dont want any money back. I just want the derogatory alerts on my credit report off. They are saying I was late with payments, but I never made a charge, used the card to purchase anything, was never sent a bill or a statement via email or mail correspondence, and I just need to get this rectified. Before this happened, my credit was excellent, XXXX, and I paid every bill on time every time. Now my credit is down to XXXX. This will cost me so much money on my home loan, at closing, and will not allow me to get a good interest loan rate when rates are already so high. Any help you can provide in this matter is greatly appreciated.
|
05/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Hi, my name is XXXX XXXX. I have two accounts with the institution of Capital One. One is a personal and the other is a credit card account which I use for various things.
On XX/XX/2020 sent {$100.00} from through XXXX using my credit card. The transaction went through without a problem.
I then wanted to make a transaction for a {$1000.00} and I tried several times without success. I then got so frustrated I called Capital One Credit Card services I spoke with a representative by the name of " XXXX '' who told me that the reason it probably wasn't going thru was because Capital One doesn't allow their customers to do transactions DIRECTLY from their personal accounts she advised me to ALWAYS use a debit or cc in that way it would ensure my safety.
I then took her advice and kept on trying to send money thru XXXX using my debit card on XX/XX/2020 on the XXXX site it kept coming up as apiError.account.deposit.
I was besides myself when I called into Capital One. I wanted to know if I was AGAIN being blocked from sending my own money. As soon as I began speaking with the representative I SPECIFICALLY explained the problem I was having, she then asked to put me on hold. When the rep came back she reiterated something totally DIFFERENT than what I had told her in the first place then she acted as if it was the FIRST time she heard of the problem with XXXX. At this point in time I was also VERY IRATE because I had charges PENDING for SIX DAYS!!!
The charges on XX/XX/2020 @ the time was {$550.00} she then couldn't give me a VALID explanation as to WHY I couldn't pay my bill at that time OR why they had my cc bill accumulating so much charges at one time. I then DEMANDED to know WHEN account was going to be UNPENDING so I can PAY MY BILL!
She ASSURED me that I would have NO PROBLEM paying my bill the next day which was XX/XX/2020 I then asked the young lady " is Capital One blocking me from doing this XXXX transaction Yes or No? '' she said " No '' I then ended the call and tried the transaction again using the same debit card ending in XXXX.
It DID NOT go thru.
I then called XXXX and as me and the agent tried to do the transaction together I entered all the info I was supposed to when a warning came up and SAID " this card is UNAUTHORIZED to be used '' the XXXX rep advised me to use ANOTHER card I told him that would NOT be necessary as I saw what this young lady did was a RETALIATION using her POSITION @ CAPITAL ONE.
The next day I went into my account to make my cc payment.
There were NO OTHER CHARGES but the ones I made at that time. I scheduled my cc payment sometime in the afternoon of XX/XX/2020.
On XX/XX/2020 which is today I went unto my cc statement online and saw that I was charged an " ADVANCE CASH FEE '' in the amount of {$10.00}.
I then looked up the definition of a " CASH ADVANCE FEE '' by a cc institution.
Cash Advance Fee : Is a charge that a credit card issuer charges a customer for " ACCESSING CASH CREDIT LINE '' on his/her account. Either thru an ATM, a CONVENIENCE CHECK or @ a TELLER 'S WINDOW.
I would like to know WHEN I did ANY of these things or had a CONVERSATION that had ANYTHING to do with a CASH ADVANCE on XX/XX/2020 for that is WHEN I was CHARGED for this ALLEGED transaction.
I would like CAPITAL ONE to tell me WHICH BANK, WHAT TIME, and I would also like to see a COPY OF THE RECEIPT I signed at the time of this so called CASH ADVANCE for {$10.00}.
As I previously STATED I went into my account on XX/XX/2020 and this charge WAS NOT THERE!!
Please tell me how this charge got on my account and most IMPORTANTLY ... ..WHY?!
I think this was a BIASED attempt TARGETED at my person.
I will go further with this if I have no resolution. This is WRONG on so many levels.
This type of behaviour is UNPROFESSIONAL and has no business in a corporate workplace such as when it comes to dealing with people 's FINANCES.
Especially in these sensitive times.
For an individual to use his/her position to RETALIATE against a customer is UNACCEPTABLE.
I would really appreciate a speedy conclusion to this matter.
Thank You Sincerely, XXXX XXXX
|
03/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I rented a car from XXXX and without proper cause XXXX MADE CHARGES TO MY ACCOUNT WRONGFULLY AND CAPITAL ONE PAID FOR THESE ERRONEOUS CHARGES. When disputing the charges via email Capital one asked for the same documentation repeatedly. I would call to try and clarify, but it seemed as though there was some sort of miscommunication. Until finally on XX/XX/XXXX they decided it was too late to continue with the dispute. I have further documentation to back my dispute, but Capital One does not want to handle the situation any longer. I've brought out a lot of errors done by XXXX, and Capital one just does not want to try and reverse the charges. I was wrongfully charged and Capital One is treating me as though I'm the villain in this situation. Please can you help me to get my money back. It's XXXX plus other erroneous charges added to come to a grand total of {$1800.00} This memo is about our conversation today at XXXX, regarding page 4, of XXXX response to my rebuttal. I tried to drop off the rental car to the original agreed upon rental site ( XXXX XXXX on XXXX and XXXX XXXX XXXX at XXXX but the site was closed. According to the extended arrangements made over the phone on XX/XX/XXXX agency should have been open ( see pg. 7 of my dispute ). Drop off site was a new agreed location as per the XXXX representatives ( at XXXX ) suggestion when told the original drop off site was closed. The return location was in XXXX and the representative at XXXX told me to take the car to The XXXX airport which about 15 miles from the XXXX XXXX agencies site. I Was informed by the representative ( XXXX ) on XX/XX/XXXX to return the car to the XXXX site by XXXX XX/XX/XXXX. I was there at XXXX pm called XXXX ( XXXX ) and made them aware of the rental agencies closure and the inability to drop off the car. I was told to take the car to the airport, because I did not want to be responsible for any damages which may have occurred if I left the car at the site overnight. Therefore, the drop off agreement was changed due to an error made in the last conversation ( extension ) made with the XXXX Agent ( XXXX ) over the phone on XX/XX/XXXX. ( pg.7 ). If the new rental agreement extension was made for me to bring the car to its original site by XX/XX/XXXX at XXXX, and no one was there, then it was not I who broke the contract, it was XXXX for not being open so I could drop off the car at the original agreed upon site. Why did Capital One give this money to XXXX? I have a secured credit card and {$700.00} is my limit, why did Capital One decide to pay {$1800.00} without my authorization? Now Capital One is having me to dispute and try to get monies back that they should never have paid in the first place. XXXX charged my account the following day XX/XX/XXXX and Capital One accepted the changes without authorization from me. Ive tried to explain my position by calling and in several letters to Capital One to prove my position, each time Capital One required more information, and finally refused to overturn the erroneous charges of more than {$460.00}. Please Help me to get the over charges of Possibly more than {$460.00}. Thank you so much for your time and patience.
Ive included copies of the phone calls made to XXXX XXXX on XXXX, and most importantly the conversation with the representative on XX/XX/XXXX with the XXXX agent who stated he did not see in the files where I had called in and spoke with a XXXX Representative on XX/XX/XXXX.
The itemized Charges ( page 7 ) Of Budgets Dispute Response is erroneous due to these errors : 1 ). The agreed upon check- in date should have been XXXX XXXX a weekly rate of {$290.00}. ( Please check the charges and you will see a charge for {$290.00} x 4 weeks, and origination of the agreement was XXXX and ended in XXXX XXXX. Which totaled XXXX.
2 ). Vehicle registration fee {$41.00}. What is this charge for?
3 ). Rental Extension fee? What extension?
3 ). Late return Fee? I was not late returning the car, car was returned 04/04/2022!
4 ). Misc. Charges????? What do these charges represent?
Cordially, XXXX XXXX
|
09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Older American |
I recently received a letter from an attorney 's office regarding collection of my balance owed to Capital One. I disputed my balance due on the grounds that Capital One was negligent and incompetent in handling my settlement request. They offered a settlement of {$10000.00}. I countered with an offer of {$7.00}, XXXX, 50 % of the balance owed. After I made my counter-offer, this is how it was handled : 1. I counter-offered on XX/XX/2020.
2. On XX/XX/2020, I was asked to electronically sign to start payments. The payoff amount was listed as {$14000.00} and NOT {$7000.00}.
3. On XX/XX/2020, I was sent a revised counter-offer document that stated I had to make a one-time payment of {$7000.00} OR pay the balance in full. This was NOT what I had agreed to. I replied that I had agreed to {$300.00} a month for 24 months.
4. On XX/XX/XXXX, after I replied to the email stating that the terms were not what I agreed to, I received a reply from XXXX XXXX XXXX telling me that the system could not schedule payments more that 30 days out and I had to schedule my first payment on XX/XX/XXXX. I had requested a start date of XX/XX/2020 and would pay on the XXXX of every month moving forward.
5. I replied on XX/XX/2020 again stating this what not what I agreed to. I received a reply from XXXX XXXX XXXX and replied to him that I would gladly agree to pay XXXX and start payments on XX/XX/2020.
6. On XX/XX/2020, I received an email from XXXX XXXX about setting up the payment, 30 days before XX/XX/2020, again without stating which amount I would be paying. I replied asking what amount I was paying off. She replied on XX/XX/XXXX with a link again stating that I owed over {$14000.00} ( the amount I owed kept changing even after the account was closed ).
7. I received links to sign to begin paying on XX/XX/2020, XX/XX/2020, and XX/XX/2020. All of them were for the full balance. None included the {$4200.00} reduction they offered OR the amount of {$7000.00} I counter-offered. Thus, the reason I never began payments was because Capital One was deceptively offering me a discount and accepting my counter-offer while at the same time sending me documents to sign for paying the full amount.
8. I also believe that this entire issue COULD have been handled expeditiously had ONE person been assigned to handle my account. I received emails from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
9. I have received at LEAST one email from Capital One monthly up until XX/XX/XXXX asking me to settle or pay the account. Not ONE of them has lowered the amount by the {$4200.00} they initially offered or the {$7000.00} I counter-offered. My last email to them simply stated that I would sign the document and begin payments as soon as the accurate amount was shown. Since I am unable to send THEM a paper for THEM to sign, it would seem the party that has delayed this entire process is Capital One.
10. I have the emails they sent and my replies to substantiate my claims. If Capital One seriously wants to complete this transaction, I am simply waiting for them to negotiate in good faith AND send a document that states what was agreed to by both parties.
11. I have called Capital One twice and the attorney 's office twice to dispute the AMOUNT owed. Capital One has sent me two letters denying the dispute and saying that I owe them money, yet never addressed what the amount or balance was. The attorney 's office washes their hands of it and says the problem is between me and Capital One. On a phone call to Capital One, the person I spoke to in collections said the settlement was negotiated by an outside firm ; I told her that the email had the Capital One logo on it, to which she then replied that it was in-house. She also stated that the settlement amount was noted in the computer.
12. I believe that legally Capital One has to send me a settlement letter/offer for me to sign so that I may make a copy of it. This was never done. They simply sent attachments to their emails for me to electronically sign. I believe Capital One negotiated the settlement and then tried to back out on it after agreeing to it.
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12/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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On XX/XX/2022, I opened multiple accounts with Capital One looking to establish a banking relationship with them, I have recently been approved for a XXXX Rewards For Good Credit, credit card and thought why not. They were two checking accounts and a savings account. A couple of days later in order to fund the accounts I decided to transfer {$2000.00} to the savings account and {$500.00} to a checking account from my bank account at XXXXXXXX XXXX which I've had my savings with them for a while now, a paycheck of {$300.00} was deposited to the other checking account. In the confirmation emails, they informed me that it would take multiple days to process the transfers and deposit in order to validate them. On XXXXXXXX XXXX XXXX, I received an email stating that the transfers and deposit were completed, I saw the money being available through online access at the Capital One website and mobile app. On XXXXXXXX XXXX XXXX, I received two emails stating that my Capital One account ( XXXX ) have been restricted for my protection and needed to verify some activity before it could be unrestricted. On the mobile app it showed that the funds in the accounts were not available for withdrawal. I phone up, and a representative told me that in order to proceed, they needed to confirm the deposits on the senders end ( XXXX XXXX ) and to verify that I was the owner of the account. As I'm currently studying in XXXX XXXX, I tend to log in the online access and mobile apps from time to time to check activity so that I'm aware of what's coming in and out. The representative pointed out my online login details and then proceeded to ask me about the devices I use, but I can confirm that they were all me. After that, they then told me to call in the next day so that they could call the XXXX Bank and verify these details. On XXXX, XXXXXXXX XXXX I phone up Capital One and informed them about the conversation I had the previous day. The representative this time starts asking me questions like the one from the previous phone call, like, what devices were I using? If I was using a VPN or not? Moving on they went and called XXXX XXXX, After reaching a representative I was able to verify that the XXXX account was indeed mine, and I thought this would have solved the issue. I stayed with the Capital One representative, who told me they were finishing things up on their end. About 10 minutes later, they informed me that they reached a decision on closing my accounts. After waiting for a while and going through all the trouble of verifying the accounts, I was shocked at the outcome. They couldn't diverge me any details about the decision and told me that they would mail a check with the total amounts to my address, they also were conducting an investigation about the matter. On XXXX, XXXX, 2022, I received a similar email to the previous days that stated my account ( s ) have been restricted and needed to verify some activity, only this time it added that based on their recent review my accounts may be closed, and the money would be deposited to a linked external account or a check would be mailed to me. That same day, I tried reaching out to several representatives in order to get a reason behind the decision, but unfortunately they didn't know what was going on or couldn't give me full details. One said that they have sent out a letter to me explaining the details, but I've yet to receive this letter. Another one said that it could have been the system that triggered the restriction, since they use public and private servers. In the end, I've decided to wait and see what would happen. In early XXXX I received a statement from the accounts and I actually saw that it was earning interest. I was surprised at the fact, it was like nothing happened. I thought at that moment that they may have finally closed the accounts, But on XXXX, XXXX, 2022 I can still see the accounts still be opened through online access. As of the date of this writing, XXXX, XXXX, 2022, I can still see the accounts being opened and still earning interest. Two months after my last phone call, they still haven't resolved this matter.
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03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
In XXXX to XX/XX/2019, I changed banks for the drafting of all of my bills payment. Amongst the companies which was switched was Kohls auto pay as well. So, to make ensure that nothing went wrong, I set up payments of {$25.00} dollars, in which I estimated that a XXXX and something charge would require, to make sure that the auto pay change would take effect. However, the minimum payment requirement was XXXX dollars more than I anticipated for XXXX and XXXX dollars more in XXXX. And for whatever reason, the auto pay change failed and never processed. In XXXX Kohls received the {$25.00} payments, but the minimum payment requirement was for {$27.00} dollars ; however, they did not notify me that they did not receive the minimum payment. And the same thing happened in XXXX, they only received the extra payment I had set up as a possible security measure, but still they did not contact me to let me know that for 2 months now, they have not received the minimum payment. Now, at this point is where a 30 days late should have been reported, but they did not. I am assuming it was because they got most of the payment until they did not count it, nor did they contact me. Finally in XXXX, there were no payment at all, they contacted me by phone around the XX/XX/XXXX to let me know that my account was past due. I thought it was a joke since my account was set up on auto pay. I called them back and immediately took care of the payment of XXXX due. At this point, I had concern about reporting because it technically had been 3 months of no minimum payment which equates to 60 days past due. ( The ways it works it the first missed payment doesn't count as a report, which was XXXX, but in XXXX when minimum due was missed again, that is a 30 day late. However, Kohls did not acknowledge XXXX or XXXX, just XXXX. If they had contacted me in XXXX, I would have corrected the situation ) Also, they continued to allow me to charge to the card, not knowing that they had not received minimum payment. I charged to the card in XXXX and XXXX, on XX/XX/XXXX and XX/XX/XXXX. If they had let me knew then, I could have corrected this issue. What part do Kohls not understand that I did not know that my account was not longer set up on auto pay. I did not cancel my auto pay, but changed the bank account information. I called them several times disputing that my account was set up on auto pay, but I got the run around from them and just letters stating the obvious, it was past due. I was not disputing that it was past due, I am and was disputing that it should not have been, since it was set up on auto pay. I asked several times how my auto pay got taken off, but no respond from them on how that happened. I asked why wasn't I contact in XXXX when it first happened and still nothing, so I could have corrected it. They waited until no payment was received, and my account was really past due before contacting me. They gladly credit back the late fee, but I am getting no where with this late. They refuse to take ownership of their lack of servicing this account properly. If they had just contacted me when first minimum payment was missed, or when I first continue to use the account on XX/XX/XXXX, if they had refuse to allow me to do so and told me it was because they did not receive the minimum payment, or even in XXXX, then this could have been corrected.
I am disputing that if even if you look at it how Kohls is looking at it, if they are acknowledging XXXX only as no payment, then it would be the first missed payment, and a 30 day late still should not have been reported. It should not have been reported until XXXX, if I did not correct it. Kohls has failed me as a creditor when it come to this issue, and I don't take my credit lightly, and do not appreciate a creditor who takes in lightly with care to safeguard it.
I wrote Kohls twice stating that I am disputing the fact that my account shouldn't have been past due because the autopay should have paid it, not disputing the fact that it was past due. I asked several times how did not my auto pay get removed, and I have not had them to answer that question.
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05/03/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX DOB : XX/XX/1978 SOCIAL SECURITY # : XXXX RE : You violated the United States Code Law 15 U.S. Code 1692g - Validation of debts This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT.
15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.
FDCPA 8012 furnishing deceptive forms You reporting this false misleading information that you received from creditors to my credit report without my authorization. you never verified that i signed any documents before you took it upon yourself to report these deceptive forms on my credit report.
I XXXX XXXX was entered into credit transactions that i did not consent to or authorize. I Testify to XXXX that ME, AND ONLY ME CREATED, WROTE/WRITTEN this letter on MY OWN BEHALF WITH NO HELP FROM OTHERS. I am sending this letter on purpose for sure. and i am not mistaken about any materials. I was entered into consumer transaction with XXXX XXXX Account Number : XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately. I was entered into a consumer transaction with 01 CAPITAL ONE N A Account Number : XXXX. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because 01 CAPITAL ONE N A got the loan 15 usc 1431. 01 CAPITAL ONE N A used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by 01 CAPITAL ONE N A illegally to obtain my approval status for an extension of credit. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. If I received good and services, please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose.15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand that the following account be verified or removed immediately : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D 01 CAPITAL ONE N A Account Number : XXXX As a Consumer by law this account must be deleted.
02. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D XXXX XXXX Account Number : XXXX As a Consumer by law this account must be deleted.
Thank you, XXXX XXXX
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09/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
I am a XXXX XXXX XXXX XXXX citizen and a XXXX XXXX. I am a law abiding citizen. I have no criminal record whatsoever. I always pay my bills on time. My payments have never been returned except in 1 case where an honest mistake was made. I enjoyed an excellent credit score of around 750 before I became a victim of a scam. It is really very unfortunate and terrible thing that happened to me in my old age. It is tragic that Scammers and Fraudsters prey on innocent people especially sick and old people like myself and they show no mercy on their targets especially when less protected platforms like the one Capitalone has makes it very easy for them to prey on them.
I state the following : 1 ) There seems to be total misunderstanding of this case by Capitalone that needs to be corrected.
XXXX ) The XXXX cause of this fraud was that Capitalone accepted 3rd party payments from fraudsters without any validation who used Fake bank accounts to make payments which consequently resulted in return of payments. To prove my point, I had a similar situation with my XXXX XXXX XXXX XXXX XXXX. XXXX were not able to commit fraud against my XXXX XXXX XXXX credit card XXXX XXXX Bank XXXX XXXX didnt accept any 3rd party without validation and hence they were filtered out.
XXXX ) I hold Capitalone liable for my loss for allowing XXXX party payments without validation and then also for readily posting the return payments as chargeback against my account without any investigation.
XXXX ) XX/XX/XXXX was not the first time that I reported this case. In fact this case had been reported soon after it happened in XXXX XXXX but unfortunately it was denied by Capitalone then as it is being denied now.
XXXX ) I am surprised that Capitalone has no records of my reporting this case to them in Apri/May soon after it happened.
XXXX ) I considered fraudsters a legitimate business and that is why I gave them my credit card number just like I would do that to any other business when I do online shopping. I couldnt be held liable for that. I am the innocent victim.
XXXX ) I was not able to actively pursue this case after I reported this case to Capitalone in XXXX XXXX because I suffered a Massive XXXX XXXX in XX/XX/XXXX which incapacitated me. My health continued to deteriorate up until XX/XX/XXXX that is when I had an XXXX XXXX XXXX. I am still recovering from that XXXX.
XXXX ) The 4 returned transactions that I reported as fraudulent happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Those transactions may be seen in my XX/XX/XXXX account statement. Two of those payments were made by online ACH payment and the other two were made by Electronic Phone Payments.
XXXX ) Capitalone never investigated those 4 returned transactions that I reported as fraudulent but instead ended up investigating transactions that I never reported as fraudulent/unauthorized as stated by them in their online fraud acknowledgement letter of XX/XX/XXXX.
How could Capitalaones investigation be valid when they investigated wrong transactions?
XXXX ) The total value of returned payments posted on my account amounted to {$17000.00}.
XXXX ) I made good those 4 returned payments out of my own pocket but it was falsely interpreted by Capitalone as if the Merchant credited my account. I made good those returned payments because I didnt want to lose my Capitalone credit card while I was sick recovering from the XXXX XXXX. I was also afraid that my credit score would plummet if I didnt make good those returned payments. I was definitely planning to take up the case with Capitalone as soon as my health would permit.
XXXX ) The Notifications that I received from Capitalone for return payments all state that those payments were returned by my bank which is NOT accurate. The fact of the matter is that those payments were Never returned by my bank because those payments were not made by me or by my bank on the first place but instead were made by 3rd parties using Fake bank accounts.
XXXX ) I Demand that Capitalone credit {$17000.00} to my account soon to keep their promise of zero fraud tolerance to their clients.
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02/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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To Whom It May Concern, I am a Capital ONe ( CO ) customer with a personal, a joint account, a savings account, and a secured credit card, all with accounts linked between my account profile. The checking account profile provides transferring options to the additional accounts and I have used the transfer option on at least two occasions, including this one, to pay ahead of time, the balance due on my secured credit card.
1- On XX/XX/XXXX I initiated a transfer dated that same date from my checking account XXXX to pay my secured credit cards full balance in the amount of {$340.00}. Per email confirmation and per secured credit card records, the payment was posted on the secured credit card on XX/XX/XXXX ; however the amount was never withdrawn from my checking account. Between XX/XX/XXXX and XX/XX/XXXX, my checking account balance was between {$590.00} and XXXX, which was sufficient to cover the entire payment due.
Today, I called Capital One customer service in an effort to understand their process and the situation since my checking account was not deducted, but a payment was posted on the secured credit card. I spoke to supervisor XXXX who was very supportive and friendly. She told me that the Secure Credit Card is the one pulling the amount and that the checking has no control on the payment date. I disagreed with that explanation because the payment was initiated as a transfer from the checking account ending in XXXX TO the secured credit card. As I was unable to get a clear clarification and understanding of the situation, she opened a case number for me with reference # XXXX.
As of XXXX XXXX XX/XX/XXXX, the payment is showing as a pending return on the Credit card account.
On XX/XX/XXXX, I received an email stating that the payment of {$340.00} submitted on XX/XX/XXXX could not be completed due to lack of funds and that I might be subject to a {$30.00} NSF fee. Perhaps the bank is trying to make a profit by deducting funds when customers balance is low?
Back in XX/XX/XXXX, I did schedule another payment directly from the same credit card to the secured credit in the amount of {$100.00} and this amount was posted not later than the day after.
I am filing a complaint against Capital One for the following reasons : 1- If a payment is set up in the platform, that has a processing time, they are not adjusting the available balance or holding that payment amount as per requested/schedule transfer. Shouldnt a transfer, scheduled payment work the same way as if I am purchasing a pair of shoes for {$75.00}? IF that XXXX $ for a shoe purchased automatically posts to my account as a pending transaction, showing an ADJUSTED available balance reflecting this amount, why would not a non-immediate transfer be adjusted on the account balance showing an accurate available balance? In another works, all outstanding payments/ transfers should be kept on hold and provide the customer with an accurate " available balance ''. That will ensure that no payment will be overdrawn or not have sufficient funds at the time the transaction posts.
2- For not processing Capital One related transfers as scheduled, and as allowed by the platform ( platform allows you to select the desired transfer or payment date ), or between a reasonable period of time for same Banking clients.
I have heard from other customers that transfers between linked XXXX XXXX accounts are not taking place immediately or between a reasonable time frame considered they are the same Institution.
3- For wanting to assess a NSF when it is clearly a bank error.
4 - I can not understand how a payment can be posted to the receiving account, in this case my secure credit card, and no money being deducted from the checking account.The CC posting date is XX/XX/XXXX and the date that the bank is showing that the CC payment was submitted is dated as XX/XX/XXXX. Does not make no sense at all.
I am submitting this complaint because I feel this are unfair practices and this should be looked into to ensure safe banking for customers.
If you have any questions, feel free to reach out to me.
Thanks, XXXX XXXX
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08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have been a capital one customer since XXXX and today I logged into my account online to see that my Quicksilver card had been reduced from a credit limit of XXXX to just a measly XXXX. I have never even had a late payment or any derogatory marks on my credit. I have excellent credit and with a very big credit profile with many lenders including capital one. I have 6 cards with capital one and I called and it was a one hour wait or maybe longer to speak with an agent. She was very uncaring about the matter so I requested a supervisor who said she has no authority to fix anything or put my account back to the credit limit I had which was XXXX. She spoke in a way to me that seem to be a social injustice and racially motivated. I feel as though I was discriminated against while talking to the supervisor. I have excellent credit with a very high income and have always had a good relationship with capital one until today. Sir, this reducing of random credit limits during a pandemic especially is really unethical and immoral business practices, no other bank has treated me this way ever. This will affect some peoples credit scores that have done nothing wrong to deserve this kind of treatment. My card now has a XXXX limit which is not even useable compared to my other lenders limits and they treat me as a valued customer. I understand these are challenging times in todays world. But, this leaves a bad taste in my mouth with capital one. I have worked hard over the years to have the credit profile I maintain and am very proud of my financial success. I also would like to challenge this to the fair credit reporting act as I did nothing wrong to deserve my credit limit being reduced drastically. I am having a great deal of XXXX and XXXX XXXX over this matter todayI wonder how long before capital one starts slashing my other card limits. This is much unneeded stress given these challenging times. I will pursue XXXX injustice if someone does not look into why this had to be done to my account that is 12 years old. I see a physician for XXXX related problems. I did not need to be treated this way today.discrimination is the best word to fit this action. I am asking you to restore my credit limit from XXXX back to XXXX please? I hope to hear from your office very soon with hopefully a remedy to fix this matter. NO ONE ELSE WOULD HELP. I SPENT HOURS OF TIME ON THE PHONE FRIDAY XXXX. Please restore my faith in capital one bank. I have always been a very loyal cardholder to capital one bank. Never one problem until today. Please assist me in resolving this matter. Thanks in advance for your time and help! No executive office response, but an agent called today XXXX and he was very rude and unprofessional. He said you can request a credit limit increase which means he is really not in the executive office. The executive office is the only one who can increase a limit back if this happens for no reason. i TOLD HIM THERE ARE PAGES UPON PAGES OF PEOPLE BEING AFFECTED BY THIS BANKS UNETHICAL AND IMMORAL BUSINESS PRACTICES. He responded with : if you do not like what we have done then you can always leave. What a professional response and class act. This agent was lying from the very beginning as he could not prove he was in the executive office. He called because i also complained to their social media website with posts. Is Capital One in financial trouble? Why have they suddenly decided to try to ruin consumers good credit ratings? They have no legitimate reason for taking this action as they admitted this to me. I took 12 1/2 years of letting this card grow and they destroyed that in one day. On behalf of all consumers this needs to be investigated ... just read all the pages of unhappy consumers stunned that Capital one is out to ruin credit scores and for no valid reason. This should be referred to the FTC. They further stated they expect a consumer to run up a tab on your credit card and if not then that justifies decreasing your credit limit. No it does not, that is predatory lending and pushing some consumers into debt possibly. Shameful banking practices by this lender.
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11/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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SUBJECT : KOHLS ACCOUNT PAYMENT CANCELLATIONS NOT BEING COMPLETED CAUSING OVERDRAFT FEES IN CHECKING ACCOUNT AND ISSUES WITH KOHLS CHARGE On XX/XX/2021 I completed the following two actions Via the Kohls charge website I updated my payment account information I received an email confirming the change to banking information I removed checking account ending XXXX ( Routing XXXX XXXX XXXX ) I added checking account ending XXXX ( Routing XXXX XXXX XXXX ) I remitted a payment for {$27.00} from XXXX to apply on XX/XX/2021 Via phone I contacted their customer service team to update my address for my account I changed my address from XXXX XXXX XXXX, XXXX OH XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX o I also asked the rep while I was on the phone with him if he could see where I had updated the payment account information and addressed my concern that the payments previously remitted under account XXXX needed to be cancelled Those payment amounts were {$27.00} and {$30.00}. The representative assured me that since the account ending XXXX had been removed from the online payment options the payments would not process o The representative indicated the payments didnt need to be cancelled XX/XX/2021 The payments did process from account XXXX and caused two {$32.00} overdraft charges in my checking account, as well as, the debits for - {$27.00} and- {$30.00}. I was also charged and Insufficient Funds fee from Kohl 's.
XX/XX/2021 I, again, contacted customer service regarding the issue with the payments remitting from checking XXXX even though I had been assured they would not be processed. The representative said I would have to contact my bank and dispute the payments. I advised him that the payments are showing on my Banks end as insufficient funds, and they will not clear this for me. He again indicated I needed to contact my bank.
I then asked the rep for the FCBI address after several minutes, 3 on holds and several times me advising the customer service rep that FCBI stood for Fair Credit Billing Inquiries he finally was able to locate and provide this FCBI address. He then said he was sorry for the delay, but the people in Customer Service dont know what FCBI is.
I am asking for the two payments to be cleared to not show as insufficient funds, and IF they do Please do not charge my account for Insufficient funds charges. This was not my error. I acted in good faith and with due diligence to fix the situation before it could happen the payments should have been cancelled when I removed the checking account from the online payment information as the rep said -- - or -- - he needs to be updated that he gave incorrect information. Someone should have been able to assist me in cancelling those two payments XX/XX/2021 when I asked.
Please make sure my Kohls account does not suffer delinquency or extra fees because of this issue.
XX/XX/2021 I checked my statement information in the MyKohlsCharge site and there is an insufficient funds charge for {$25.00}. I want that to be removed and any indicators on the account regarding those two payments being NSFs. The rep XX/XX/2021 assured me that the payments would not transact since I had removed my banking information. I called today and the rep said there is no way the insufficient funds fees can be removed.
I want this updated.
My bank will not adjust the fees that were caused by your reps misinformation. I specifically asked him on XX/XX/2021 to cancel the payments, and he said they did not need to be cancelled. That is on your call center.
I want this {$25.00} adjustment And I want a credit on my Kohls account for the {$64.00} in returned check fees I was charged by my bank for your representatives error.
If this is not corrected my next communication will be to the CFPB and the Attorney Generals office regarding a complaint and the misinformation from your call center. I will also mention how the rep I spoke to on XX/XX/2021 had no idea what an FCBI address is or why I would want that.
Please assist.
I have been a good Kohls customer, and I do not deserve to have my requests overlooked/denied.
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05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
Id previously written regarding this account and have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I have spoken with several of your representatives in account resolution and customer services and was advised that there is nothing Capital One can do. I've worked with XXXX XXXX, XXXX XXXX and XXXX XXXX, each very kind, but had no authority to correct these errors.
Summary of Events : XX/XX/XXXX, this account was charged off.
XX/XX/XXXX, I paid a charge-off account through XXXX ( XXXX ) for account XXXX to bring the chare-off balance to {$0.00} o In XX/XX/XXXX, my 3-bureau credit report shows that the account status for all 3 reports was Paid after chargeoff, even though I paid in XXXX, it wasnt reported as paid until the XXXX report. I wasnt too concerned about that even though it is inaccurate Later in XX/XX/XXXX, I was alerted by XXXX that my credit score had decreased again, Capital One had reported the account as Open, Past Due 120+ days past due.
o I called Capital One who auto-routed by account number, who directed me to XXXX who then directed me back to Capital One o I had to file a dispute with each credit bureau : {$14.00} postage In XXXX, the account was corrected back to Chargeoff, Paid for less than full amount ( XXXX ) In XX/XX/XXXX, Capital One reported to XXXX and XXXX again, that the account was Open, Past Due 120+ days past due.
Again, I had to dispute to get the status corrected. This time, I asked the account be DELETED from my credit report.
In XX/XX/XXXX, XXXX errors were corrected In XX/XX/XXXX, Capital One reported to XXXX the account was opened through XX/XX/XXXX and then charged off in XX/XX/XXXX XXXX notice the green dots in the credit report attachment XXXX ) I was in the home purchase process and was wondering why, with my other high scores, XXXX was continuing to be low. I was denied by XXXX XXXX XXXX XXXX for a .25 % Interest Rate reduction loan with {$17000.00} down payment assistance due to my XXXX credit report XXXX my employer, due to recent payment history ), XXXX XXXX XXXX XXXX based on XXXX XXXX due to recent payment history ), and XXXX XXXX could not match me after pulling my XXXX report XXXX due to recent derogatory history ).
After finally being pre-approved to purchase with a higher intesest rate, my current lender I am working with, XXXX XXXX, pointed out all of the issues with the way XXXX has inaccurately reported the information, which makes it appear that I have recently missed a payment and have a charge off 9 months ago.
I have been denied access to other lending due to the errors of Capital One and their inability to accurately report the information to all 3 bureaus. Again, due to their false and inaccurate reporting, I suffered financially as they have falsely reported information in a manner that made it appear I had 1 XXXX a payment later than 30 days in the past 12 months, 2 ) a payment late by greater than 90 days in the last 12 months, 3 ) a serious derogatory event on an account in the past 12 months, 4 ) failed to accurately report the information to the credit bureaus multiple times, causing me to have to pay to dispute via postage, and 5 ) denied the existence of an issue and marked each prior dispute as " verified '' to the bureaus without a proper investigation that would have shown the same information in the documents attached to this complaint as proof.
Each time I have pointed this out to Capital One and the credit bureau XXXX it has been reported as verified by data furnisher.
Please just DELETE this from my credit report. I dont want to dispute it to correct the dates any longer as each time it triggers a series of balance and date changes on my credit report, and I lose 50-75 points even though Im doing things correctly. I am truly at my wits end. As a XXXX XXXX veteran, this is very difficult to deal with.
I hope you can review and remove this as Im a good customer and feel this is truly a bad experience and am not certain if its some sort of retribution or punishment.
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07/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
I filled in a Credit Car Authorization Form with a merchant at XXXX XXXX XXXX XXXX and authorized my electrician to be able to charge electrical parts up to {$400.00} only. This authorization is good until XX/XX/XXXX.
My electrician purchased many electrical items from a merchant ( XXXX XXXX XXXX XXXX ) using my Capital One credit card on file with the merchant. In XX/XX/XXXX, I went into the merchant myself and returned some unused items to the merchant. The merchant gave a credit in the amount of {$190.00} back to my Capital One credit card account on XX/XX/XXXX. This information is shown on my XX/XX/XXXX Capital One Credit Card Statement.
A month later on my XX/XX/XXXX Capital One Credit Card Statement, Capital One charged me in the amount of {$190.00} which basically subtract my credit of the same amount from XX/XX/XXXX statement ( the previous month ). As a result, I return all those unused items and did not get any credits for them. I lost {$190.00}.
I have tried to work with Capital One XXXX XXXX for many months, spoke to many representatives and the result is still unresolved. I spoke to XXXX ( a representative at Capital One ) a few times in XX/XX/XXXX regarding the matter. Later on, XXXX no longer worked on my case, so I spoke to XXXX ( a representative at Capital One with phone number XXXX extension XXXX ) in XX/XX/XXXX regarding the matter. In XX/XX/XXXX, XXXX no longer worked on my case, so I spoke to XXXX ( a representative at Capital One with phone number XXXX extension XXXX ). I spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the matter is still not resolved. She asked me to wait for a letter from Capital One if Capital One need me to provide anymore information. On XX/XX/XXXX I called to speak to XXXX but she's no longer working on my case, so I spoke to a male representative from Capital One. He said he will send a letter me at my home along with documentation that the merchant submitted to Capital One. He said that I have to fill in the information and attach documents for {$190.00} along with a letter explaining the situation. On XX/XX/XXXX, I faxed in all of the document. I called Capital One on XX/XX/XXXX to check if they received my fax and the representative said to call in a few days. I called Capital One on XX/XX/XXXX again to check if they received my faxed document and they said yes and they said to wait to hear back from Capital One in a few days. I didn't hear anything back from Capital One for many weeks, so I called again on XX/XX/XXXX, I spoke to XXXX ( a representative at Capital One ), she said Capital One received all of my document, but my case has not been review yet. She said she put a rush on the case and it should be reviewed in 3 business days. I called into Capital One again on XX/XX/XXXX and spoke to a representative at Capital One, she said my case has not been reviewed yet.
On XX/XX/XXXX, I received a letter from Capital One stated that " we are unable to assist with your claim. '' This letter mentioned {$150.00}. However, this letter does not mention regarding {$190.00} credit that Capital One took from me. In the document that I have faxed to Capital One on XX/XX/XXXX, two of the document that I submitted are the 2 exact same document that the merchant submitted to Capital One. Both of these document showing that {$190.00} is a credit that the merchant gave back to me. The merchant marked {$190.00} as " credit ''.
If both the merchant and I agreed that {$190.00} is a credit back to me, I do not understand why Capital One took does not return me this credit amount?
The summary, the merchant gave a credit in the amount of {$190.00} back to my Capital One credit card account on XX/XX/XXXX. This information is shown on my XX/XX/XXXX Capital One Credit Card Statement. A month later on my XX/XX/XXXX Capital One Credit Card Statement, Capital One charged me in the amount of {$190.00} which basically subtract my credit of the same amount from XX/XX/XXXX statement ( the previous month ). As a result, I return all those unused items and did not get any credits for them. I lost {$190.00} of credit.
|
08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/2023, I entered an agreement with a merchant ( XXXX ) via a broker ( XXXX ) to rent ( on a short-term basis ) a property in XXXX, XXXX. Translation : I booked a location for a vacation.
On XX/XX/XXXX, we arrived at the property to find it was not as described ( and in fact hazardous to human health ). We took photos, videos, tried to contact our host, contacted XXXX, left the property, checked in somewhere else, and did not take the booking. Over the course of several days of back-and-forth, we were ultimately told " no refunds for any reason. '' On XX/XX/XXXX, I submitted a dispute claim for this booking to CapitalOne, the provider of the credit card used to make this transaction, stating that the service rendered ( and not accepted ) was not as advertised, and citing XXXX 's 'book with confidence guarantee ' My complaint is not that CapitalOne has denied my dispute. My complaint is that the dispute is in limbo. On XX/XX/XXXX and XX/XX/XXXX, I submitted over 40 documents showing my correspondence via email, text, and XXXX app about the property and its uninhabitability, photos of the property and its uninhabitabily, invoices from XXXX and XXXX, my credit card statement with the charge, pdfs of my statement about what happened and why I was opening my dispute, a video of the problem, etc.
What was CapitalOne 's response to these documents? They sent a letter via their web app that effectively said : " We're sorry, you did not supply all the requested information. Please call this number if you want to talk about it. '' I called CapitalOne 's number on XX/XX/XXXX. The representative was walked through the situation, and they informed me that the team that reviewed the submission could not find the receipt showing that I paid the amount. I pointed out that the receipt was submitted ; the representative confirmed they saw the receipt and promised to re-open the case.
Five minutes later, I received another letter via their web app. " We're sorry, you did not supply all the requested information. Please call this number if you want to talk about it. '' So, late that night on XX/XX/XXXX, I called AGAIN. I walked a brand new representative through the situation AGAIN, and this time they informed me that the team that reviewed the submission could not verify that the receipt I sent was really for the property in question. I kept this representative on the phone while I then submitted the original property advertisement to show how it differs, and a screenshot from XXXX saying 'you stayed at this place ' - ie, MY BOOKING. The representative assured me that this would make it to the team for review.
On XX/XX/XXXX, I woke up to receive yet another letter via their web app. " We're sorry, you did not supply all the requested information ... '' So I call the representatives AGAIN. This time, it was " I'm not really sure why, the team says they didn't get a statement from the merchant promising a refund, the team didn't see an invoice or receipt that matched the dollar amount disputed, the team didn't receive a statement about why you're requesting a dispute ... '' are you kidding me? So now we're moving backwards? During the long hold time to get that information, I submitted even more screenshots of the XXXX app, showing my booking and my payment dates.
Spoke with a manager who effectively told me the same thing - " the team doesn't see this, yeah, we don't really know why, no, we can't talk to them directly, just keep submitting documents until they see it. '' At this point I'm starting to re-submit the same documents in differing orders, or with the receipts and invoices all pasted into the same PDF document. It seems like whatever 'team ' they have doing this is a set of goldfish in a bowl with a tiny attention span and the inability to contact the outside world - nobody can talk to them, nobody can get anything but form letters from them, nobody can even send them direct messages.
This is inane. I don't care if my dispute gets a 'yes ' or a 'no, ' I just need it to get something other than a 'we didn't get the documents we are asking for! '
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01/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Consumer Financial Protection Bureau, Capital One is not sending out Monthly Statements to customers with closed accounts even if the customer has a balance on their account. I was charged twice for two automatic recurring payments on the same day my card was being closed, but I was never sent a monthly statement regarding these charges. I legally needed to receive a monthly statement because I owed Capital One money.
I am enclosing the following : Article 1 : Notice from the Consumer Financial Protection Bureau about how monthly statements need to be SENT Article 2 : My inbox showing that a monthly statement was not SENT when necessary On the Consumer Financial Protection Bureau 's website it states ( see Article 1 ) : ... .banks and credit unions have to send a monthly statement if you made at least one electronic fund transfer that month. Electronic fund transfers include ATM transactions, transactions using your debit card, and payments that you make through online bill payment. It also includes direct payments and any recurring payments automatically deducted from your account.
In my personal case, I was receiving my monthly statements by email. I DID NOT get sent a monthly statement after I closed my account on XX/XX/XXXX. However, after I closed my account, two automatic charges were made on my account. I was then hit with several months of late fees and my credit score took a hit because I had no idea that these charges were made as I was not SENT a monthly statement following the closure of my account.
As evidence, you can see in Article 2 that I did not receive a monthly statement after I closed my account in XXXX. I technically was required to be sent a monthly statement after I closed my account as there were recurring payments automatically deducted from my account after the monthly close date.
The reason why I did not receive the monthly statements is because the automatic process which sends out these emails is only sending out monthly statements to accounts that were open in the previous month, not accounts which had a balance on them in the previous month. However, Capital One legally needs to send out monthly statements to any account that had a balance on them in the previous month, which is stated in Article 1 : ... .banks and credit unions have to send a monthly statement if you made at least one electronic fund transfer that month. Electronic fund transfers include ATM transactions, transactions using your debit card, and payments that you make through online bill payment. It also includes direct payments and any recurring payments automatically deducted from your account.
I specified to Capital One that I wanted to receive my Monthly Statements via email and I need to be SENT this statement regardless of if my account was open or closed.
Think about this in your shoes- if you closed an account with a {$0.00} balance but were never SENT another monthly statement, wouldnt you believe that you don't owe anything on that account? Look at Article 2 to see what I saw after closing the account.
Capital one did not SEND me a monthly statement after the recurring payment was deducted from my account. As evidence, you can see that in my email ( Article 2 ) I did not receive any monthly statements after my account was closed in XXXX.
If all customers are not receiving monthly statements via email after their account has been closed, but are still receiving late fees for any charges, how many people are getting financially damaged by this?
The issue has been going on AT LEAST since XXXX ( which is the first month in which I did not receive my monthly statement ). I bet there are about XXXX credit card accounts that are closed every month. Lets assume that 10 % of them had an automatic charge on their account after their account was closed. So thats XXXX customers who are not receiving their bill every month..?
I have submitted a dispute and an appeal to Capital One. They have done nothing. All I care about is that my credit score is fixed and preventing thousands of other people from getting financially damaged by Capital One.
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11/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
{$14000.00} of XXXX XXXX XXXX ( our ) XXXX money is gone because of actions Capital One made. With Capital One we have a 360 Performance Savings Account open. We have been ACH transferring funds from our Capital One account to our XXXX Checking account with XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX XXXX 5 of those transfers did not make it to our XXXX account. Instead, the funds transferred to a XXXX account thats not associated with us.
We did NOT authorize with Capital One a change in the XXXX account number that our ACH transfers should be sent to. Capital One shared with us on more than 1 occasion that they can see the change was NOT customer initiated. CAPITAL ONE incorrectly changed the XXXX account number to one that is not associated with us.
Since XX/XX/XXXX we have been contacting both banks trying to find out how this error occurred & have the funds returned to our Capital One account. Weve inquired to Capital Ones General Customer Service, Customer Protection / Account Activity & Fraud departments dozens of times with no resolution.
Capital One claims that in XX/XX/XXXX XXXX contacted them to give a new account number that our Capital One funds needed to be ACH transferred to. XXXX has researched this & has records ( that can be provided upon request ) proving that they did NOT contact Capital One on our behalf telling them to change the XXXX account number that Capital One was sending ACH transfers to.
Capital One will not provide us with records proving that XXXX initiated the change in account numbers. We have been requesting this information for months. Each time we are told that the situation continues to be under investigation & there is no timeline for answers being given to us. Weve contacted them over & over again for status updates & keep getting different answers to our questions. Weve been told Im not sure why that last person you spoke with told you that because its incorrect & Well I guess the money is just gone then. Weve been hung up on, transferred to other internal departments that were closed for the day & received the worst customer service imaginable.
Capital One needs to recall the ACH transfers they sent to the incorrect XXXX Account & return them to our Capital One account. Weve continually been told that they are working on it.
The reason they cant recall the funds from XXXX is because the funds are no longer available in full ( or possibly none at all ). The party associated with the incorrect XXXX account number ( that Capital was sending our funds to ) has been withdrawing the funds that they received incorrectly.
The appropriate resolution is for Capital One to immediately recall the 5 transfers individually. If there are any remaining funds available in the account, then they may be able to be transferred back to our Capital One account. Any additional funds that are not available for recall needs to be reimbursed to us by Capital One by depositing the remainder of the missing funds into our Capital One account.
The timeline for this needs to include immediate action by Capital One to fully resolve our requests. Bottom line is they made an error & sent {$14000.00} of our money to the wrong XXXX account. Capital One needs to take ownership & fully reimburse us for the entire amount.
We can provide additional details as needed, including trace numbers & the exact Capital One account numbers each transfer had been removed from. These are the dates of each transfer occurred & the dollar amounts associated.
XX/XX/XXXX {$5000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$700.00} Thank you in advance for your time assisting us resolve this problem. If possible could you please share what actions can be taken by you to push Capital One to quickly reimburse us for the {$140000.00} they transferred to the wrong XXXX account number & what the anticipated timeline is.
Capital One 360 Performance Savings Account XXXX XXXX checking Investigate a Misapplied Payment Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
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09/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
Debt Validation Letter XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Be advised this is not a refusal to pay, but a notice sent persuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obiligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the fair Debt Collection Practices Act, And Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigagte this information, during which time all, collecion activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my creedit reprots, i will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
XXXX XXXX CEASE AND DESIST Persuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Persuat to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance of my account.
Delete all consumer reports.
Best Regards, XXXX XXXX 1. Name and address of alleged creditor.
2. Name on file of alleged debtor.
3. Alleged account #.
4. Address on file for alleged debtor.
5. Alleged account #.
6. Amount of alleged debt.
7. Date ( this alleged debt became payable ) 8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased.
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grant collecting agency authority to collect this alleged debt.
Signed agreement debtor has made with debt collector, or other verifiable proof Debtor has a contractual obligation to pay debt collector.
Any agreement that bears the signature of the debtor, wherein agreed to pay creditor.
All statements while this account was open.
Have any insurance claims be made by ay creditor regarding this account?
yes? XXXX no? XXXX Have any judgements been obtained by any creditor regarding this account?
yes? XXXX no? XXXX Please provide the name and address of the bonding agent for Capital One Bank ( USA ), N.A.
Authorized Signature of Creditor : _____ Date : ______ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
YOur claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for a validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
|
08/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
n XXXX XXXX I attempted to purchase airline tickets for an up coming Brother/Sister Bonding trip from XXXX on XX/XX/XXXX thru XX/XX/XXXX. I purchased using XXXX in which it was later cancelled due to declining it wouldve make my card limit wouldnt been over the daily purchase limit funds for {$1400.00}. On XX/XX/XXXX @ XXXX a.m. they sent an email stating they can Cancellation : XXXX was indeed cancelled. On XX/XX/XXXX about XXXX p.m. I went the XXXX airport and stood in line 3 hour to purchase the ticket from an agent. I didnt inform the agent then that they cancelled my original reservations, and they should refund those funds. The agent didnt find anything so she couldnt cancel it either. I called Capital while at the counter to complete my transaction and see if the hold for {$940.00}. That email confirmation notice was via email. I at the airport and called Capital One to see if check my card had availability and it did. It was charged in the amounts of XXXX & XXXX {$570.00} & {$210.00}. 15 minutes after the counter purchase with an agent one person decided not to go there XXXX refunded {$71.00} over the phone that same day. XXXX This is the return flight info. The Capital Once agent stated that {$940.00} should fall off and still had enough to repurchase the tickets while he was on the phone that day it was about XXXX. eastern standard time. Please refund my funds back to original form of credit card payment. XXXX is known for not wanting to refund after 24 hours. However, they had already done that and the lady at ticket counter didnt find flights that was done the night before as well. I urge you to please reconsider and return those funds back to card asap. I try ot keep my usage down or pay off within that same month so there is no balance carrying over. This has caused me more stress than I need right grief the lost my XXXX daughter that was XXXX. XXXX XXXX XXXX response to my dispute # Refund XXXX I've reviewed the reservation XXXX and our record shows that there were multiple attempts of {$1400.00} payment from a different card when you booked your reservation XXXX online last XX/XX/XXXX. However, the first charge got declined by your bank.
The notes on your reservation indicate that you have not completed your travel for reservations XXXX. Please note that failure to board any flight on the itinerary results in automatic cancellation ; the entire booking is forfeited and has no value. If a Guest does not board the aircraft for any reason, the flight is automatically canceled in the system and all remaining segments on the itinerary are also automatically canceled. The flights can not be reinstated and the airfare is non-refundable. You are not going to pay any extra no-show charge, but the tickets will be forfeited. That being said, we're unable to uphold your request for a refund. This was agreed upon securing a reservation with XXXX.
Here 's a direct link : XXXX Also, after further investigation, we found out that an ongoing dispute has been made directly with the bank or financial institution on XX/XX/XXXX, for the reservation XXXX. In this case, no changes can be processed through us or over the phone while the dispute is ongoing. I've requested the status from our Refunds Team regarding your dispute. As soon as I hear from them, I'll update you. Please allow some time for our response, as contacting all the parties involved may take time.
If you have additional questions, you can check out our FAQs at XXXX XXXX XXXX Thanks and have a nice day!
Best, XXXX Guest Relations Thank you for your response and I just now XX/XX/XXXX received the email confirmation for flight confirmation # XXXX if I ad this email on XX/XX/XXXX I couldve gotten this cancelled when I was the airport prior to making the new reservation. I wouldnt being going back forth with yall or Capital One regarding the refund. The flight wasnt a no show because the kids was on the flight just under a different reservation. Please advise if yall XXXX XXXX is willing to refund this flight using original form of payment. I have attached Capital One dispute ending.
|
12/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I AM REQESTING THE REQUIRED DISLCOURES IN CONNECTIONS WITH A OPEN END CREDIT PLAN ACCORDING TO 15 USC 1637 ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
FAILURE TO PROVIDE STATEMENTS IN ACCORDENCE TO 15 USC 1666 IS IN FACT A DIRECT VIOLATION OF A BILLING ERROR, WHICH ACCORDING TO 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}, THIS ACCOUNT IS OPEN ENDED, AND I DEMAND MY ACCOUNT TO BE REOPENED AS CAPITAL ONE CLOSED MY ACCOUNT IS A DIRECT VIOLATIN OF 15 USC 1691 ( a ) ( 3 ) discriminate against i the consumer for exercising my consumer rights due to the fact I THE CONSUMER HASNT RECEIEVED REQUIRED DISLCOURES REQUIRED BY LAW THIS IS A FACT CAPITAL IS IN VIOLATION OF CONSUMER PROTECTION LAWS, DUE TO THE FACT UNITED STATES IS BANKRUPT and there is no money in circulation i am unaware of which form of payment is acceptable in commerce rather than oil gold and sliver in according to 18 usc 8 all debt obligations are obligations of united states , and in fact because CAPITAL ONE BANK IS SEEKING A PAYMENT WHICH IS ALSO KNOWN AS ALLEGED DEBT, THIS MAKES CAPITAL ONE BANKA DEBT COLLECTOR WHICH I HAVE STATES PREVISOULY, CAITALONE BANK HAS FAILED IN THE INITAL COMMUNCATION AS WELL AS ALL COMMUNACTION WAS IN FACT FROM A DEBT COLLECTOR IN A ATTEMPT TO COLLECT A ALLEGED DEBT
|
06/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
I am writing this letter and this complaint because of the response I got from Capital one and I truly want to find out if they are any justice for the little people like myself in this country that I fought for, injured for and now XXXX XXXX XXXX XXXX for, I want to know if our voices can not be heard I want to know where is the justice from this shark company that just keep on abusing us. When we make a mistake it is soon to be remembered and discussed but when they make the mistakes they do n't want to admit to it. Now, I spoke with this lady XXXX XXXX and her tone and approach with me on the phone is nothing but blaming me for closing those two accounts I had with them and blaming me as well for my wallet being stolen out of the country, and i ask her over and over, " mam is they 're a way for capital one to please remove that late payment from my credit file because if you look at my payment pattern and history, I 've never paid late on either account, so that right there mam will prove to you that something truly happened with your customer service department '' she responded that " NO '' you are late and that we are reporting properly to all bureaus ''. I have been with Capital one for more than 5 years and I have two credit card with them. in XX/XX/XXXX I called them to let them know about my wallet that has been stolen, the agent on the phone told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 business days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account. Now, mind you I got back to the country on XX/XX/XXXX, and I called capital one because I never received the two new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more than 3 supervisors and they each told me the same thing that someone will get back with me on XX/XX/XXXX which they never did not until I filed the complaint with CFPB, that XXXX XXXX called me and then she was being nice on the phone and telling me that she would do all her due diligence to get me a result. I 've never been late on this account I always pay my card at least a week or two earlier than the due date. Capital one is definitely out to hurt me or is it their objective to see more homeless XXXX veteran on the street. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau, shame on you Capital one and most of all for them to have a worker like XXXX XXXX. CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in XX/XX/XXXX and I might loose my future home for me and my family. thank you for a desperately wounded warrior. I truly need help and if I had the funds to hire an attorney I would of sue them and I will win because I have the proof. And mind you they only can find two phone calls but no the ones with me and several supervisors. I at least called this company for more than 20 times. Also if I have two accounts why is there only one reporting late not both??? I am attaching my documents as proof of my travels and please publish this complaint so other military and veterans do n't get stuck with this shameful and horrible company and I will also post this on other social medias. I will not rest until I get justice so please CFPB you are here to protect us, please do so and ask for an explanation. thank you
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03/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
On XX/XX/2019 my husband and I applied and were approved for a Capital One credit card with a secured XXXX credit limit. We were told by Capital One that we needed to activate the card through their Mobile App which we downloaded to our phone. We logged in with information Capital One already had on file and our account was merged with an " existing '' account that did not belong to us and we were not aware of at the time.
10 days after activating our account we remitted 2 payments. On XX/XX/XXXX, a payment of XXXX was made through the mobile app. On XX/XX/XXXX a second payment was made through the mobile app. Both payments were processed and returned without our knowledge.
We called Capital One customer service on XX/XX/XXXX to find out why our payments had not been applied and found out through customer care that the payments made through the Mobile App where made with a checking account they had on file which did not belong to us and has never belonged to us. We asked that information to be deleted from our account and updated our account with the correct banking information over the phone, at the same time we made a 3rd payment over the phone with the newly corrected information. The payment was posted on XX/XX/XXXX for the amount of XXXX. We were told that once the payment had posted it would take 24 hours for our credit line of XXXX to be made available.
On XX/XX/XXXX, we attempted to log into the mobile app to see if our credit line had been made available. The app was deactivated and we were not able to log into our account. We then called customer service and spoke to an account supervisor who informed us that a temporary 7 day hold had been placed on the account because of the two returned payments made back on XX/XX/XXXX and XXXX. She told us that in order for the hold to be lifted, we would need to contact our banking institution and have them speak directly with Capital One to confirm that the XXXX payment made on the XXXX had cleared the account. We called back later after we had our banking customer service rep on the phone and attempted to conference Capital One in on the call only to find out that our account had been permanently closed and we were no longer able to view our account online or through the mobile app.
Capital One explained the account was closed under the justification that 2 payments had been returned and that in the Terms and Agreements, which we agreed to, it states that Capital One can close an account at anytime with payments that have not been honored.
We understand this, however, the two payments we made, were made with the understanding that they were being debited from the correct account. We had no knowledge that Capital One had incorrect banking information and we were never given the opportunity to review any information they previously had on file. We submitted all the correct information for payment, and Capital One processed our payments incorrectly, then they closed our account without notice. We were penalized for their own mistake.
We made a XXXX payment to this company understanding that we would receive a credit line of XXXX. They took our payment of XXXX and closed our account without giving us the services they promised. They will not issue a refund, and they refuse to re open the account. We've spent hours on the phone trying to investigate the issue and have not received any help concerning the matter.
We subsequently found out through the Payment services center, that this card was actually an unsecured card and that charges had already been made. We have never used this card because we believed this was a secured credit card and that we had to submit XXXX before our credit line would be issued. A fraud investigation has been opened, but there is no guarantee our money will be returned to us in a timely manner.
We want a refund immediately. Our bank is not able to reverse the charge because the XXXX was an authorized payment. We've lost XXXX and want our money back because Capital One failed to provide the services they promised and closed wrongfully closed our account.
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06/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Capital One credit card is breaking the Fair Debt Collection Practices Act and consumer rights protection laws. They sold my debt to XXXX XXXX XXXX a collection agency who has continued to break these consumer rights through misrepresentation, harassment, communication with 3rd parties, deceptive forms, and unfair practices.
In XX/XX/XXXX I paid {$350.00} on a credit card to Capital One. XX/XX/XXXX I paid {$110.00}, XX/XX/XXXX {$240.00}, XX/XX/XXXX paid {$95.00}, XX/XX/XXXX paid {$95.00}. The minimum due was {$92.00} at this time which was not even covering the interest. Although I was trying to pay more than the min due for many months I began to fall into the revolving interest trap. Capital One uses unfair practices including exorbitant interest rates and fees. XXXX of XXXX I missed a payment and the minimum due jumps from {$92.00} to {$220.00}. XX/XX/XXXX min due jumps to {$260.00} and I am able to make a payment of {$92.00}. Then in XX/XX/XXXX I missed a payment again due to a loss of wages and the min due jumps up to {$390.00}. XX/XX/XXXX min due is {$490.00}. XX/XX/XXXX {$590.00}. XX/XX/XXXX {$690.00}. Now it became impossible for me to catch back up with the payments which I was only paying interest on to begin with. Then Capital One sold the debt to the debt collection agency XXXX XXXX XXXX. Breaking communication with 3rd parties act XXXX XXXX XXXX sent a man to my door where my underage daughter answered. He tricked her into opening the door telling her he had an important package for her mother. Then he proceeded to throw the papers at her telling her she was " served ''. She was mortified when I got home. Then XXXX XXXX XXXX began the harassing phone calls, They continued harassing with daily and weekly calls through out the National Pandemic of Covid 19 where I explained to them that I no longer had a job and had been given a notice to vacate from my house. The times I had tried to work out a payment plan with them they refused to take anything less than what they deemed as " substantial '' in the amount of {$350.00} which I explained that I could not afford. I continually asked XXXX XXXX XXXX for a validation letter which I never received until I was sent the paper filings from the courts. I only received letters stating they are from " the attorney '' threatening " If I wish to avoid further collections activity. '' When I called XXXX XXXX XXXX they claimed that they were not attorneys and they did not work for Capital One. Yet the court documents were misrepresented by stating I was being sued by " Capital One '' and not the collection agency XXXX XXXX XXXX. All paperwork of correspondence state that they are from XXXX XXXX XXXX attorneys. Court Papers were by " Capital One '' and employees that I spoke with were the from a collection agency named XXXX XXXX XXXX. I never spoke to the attorney until I was at court where he agreed to call me after the judge deemed them to " work things out '' with me. When I spoke to the attorney and explained that I did not have a job or house, he explained that they would only take an amount that was " substantial '' and wanted {$150.00} a month. I stated that what is substantial to a XXXX dollar company such and Capital one was not the same as what is substantial to an individual without a job and house. Interesting note that Capital One had been " bailed out '' when they were in debt. He explained that if I did not agree they would just take more $ from me when he got the judgement from the courts. He finally agreed to {$75.00} a month which he explained if I missed or was late on any payments then they would take me back to court and get the max amount of money. Through this intimidation I agreed and was given no other choice. Another thing I found strange is the flag on the XXXX XXXX XXXX website is from the XXXX XXXX. Am I being sued from a company that's from the United States? Is XXXX XXXX XXXX a law firm, collection agency, or are they Capital one?? Court documents stated Capital One, letters are from attorneys, and employees are employed by the collection agency XXXX XXXX XXXX.
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01/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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At age XXXX ( now XXXX ) i began repairing my credit that was poor due to difficult life circumstances. I purchased a $ XXXX prepaid credit card with capital one to help me build credit. After a year they let me sign up for a {$1500.00} credit card, and another 2 years later they let me sign up for a {$15000.00} card. My credit profile was built with Capital One as a loyal customer for years. Until XXXX I never had another card besides Capital One.
I have never missed a single payment. I have never paid late. I have paid all balances down to XXXX within a month or two since inception.
I make elective payments above and beyond my minimum required payment to more quickly pay down balances whenever i receive a paycheck ( twice per month, usually {$2000.00} at a time ).
All of the above accounts have now been shut down because of a web system error on capital one 's web portal.
Because of a website glitch on Capital One 's web portal, I mistakenly set my " pay from '' account to an old checking account that is no longer active. I did n't realize there was a glitch until I received my first notification that my payment had been rejected. I logged onto the website to see what was happening, and could not figure it out. I tried to submit another payment, and a few days later I got another alert that it was rejected.
After being frustrated with multiple payment failures I finally found the website bug causing the issue. When you are on the capital one payment screen if you select your pay from account, and then change the pay to account, the " pay from '' account auto reverts to the default account without notifying the user. This bug breaks acceptable user experience standards and is quite clearly not an intentional feature. Furthermore, after discovering the issue i contacted capital one to request that they remove the " pay from '' account that is no longer active and they told me that because it was a capital one checking account tied to my account it could not be removed. Each and every time a payment bounced it was followed by a payment from the correct account that went through.
A month later the bug caught me yet again and forced another failed payment. Only this time it was immediately followed by all of my credit cards with capital one ( $ XXXX + {$1500.00} + {$15000.00} ) being closed down. I called capital one and spoke with customer service reps who all agreed that this case was unique and that my accounts should not have been shut down given my impeccable customer and payment history. They referred my to the executive resolution department, to which I have now mailed 4 separate priority mail letters and received no response in 8 weeks.
I now have no credit, no access to credit, and my " average age of account '' has been destroyed because of the shutdown accounts so now I am not even able to apply for a new credit card. After being a healthy and responsible credit card user for 5+ years I have to start over from scratch.
To shut down my credit cards because of a glitch on their system, while I was trying to make payments above and beyond the minimum payment, is quite asinine to me. I am being punished for the combination of being a responsible credit user + capital one 's broken web interface. I understand why these systems exist to protect us, and i respect that, but this was not triggered by a violation of capital one 's acceptable use, it was triggered by an error in their online web system.
At this point, I want someone at Capital One with the authority to reopen my account to review my case and give me a clear answer on why or why not they can reopen my account or provide me with a new credit line. I have been unable to get a response to my letters and been hung up on by over 8 different reps after spending dozens of hours on the line with Capital One. I have no other choice to force Capital One to recognize this issue besides filing this complaint.
This is a systemic issue due to their website system glitch and should be addressed for the sake of other consumers who might fall victim to this same glitch.
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07/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you CAPITAL ONE QUICK SILVER, CAPITAL ONE XXXX XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX XXXX dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from CAPITAL ONE QUICK SILVER dated XX/XX/2022, in the amount of {$830.00} from CAPITAL ONE XXXX XXXX ACCOUNT NUMBER XXXX {$3400.00} dated XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX {$920.00} dated XX/XX/2022. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281.
Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30.
Pursuant to UCC3-603 TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
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12/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX, me and my mother were curious about getting new vehicles at the dealership located in XXXX, XXXX called " XXXX XXXX, XXXX and XXXX ''. We filled out information both my mother and I. We were than approved for 2 vehicles, .. one XXXX XXXX XXXX for her and XXXXne XXXX XXXX XXXX crew cab for me.. anyways these vehicles were meant to be reliable transportation for us to get work and back home with no problems ... we were one another 's cosigner for the vehicle along with XXXX for a down payment. The following morning me and my mother returned to the same dealership to finish filling out the legal documents and forms as well as pay lot fees etc.
We were able to drive off the lots that day knowing that our 1st bill would be XX/XX/XXXX, her financial company is XXXX,. Right away hers was set after several visits to the dealership, .. as for me?
MY DEAL FOR THE XXXX XXXX XXXX was still in the air and were never given a confirmed financing company until XX/XX/XXXX. My mother and I were under the impression that they would just ask for the truck back since it took so long for them to find a finance group ( capital one auto finance ) which is now the financial service group for the vehicle. Anyways I made a late/short payment of XXXX because that was all I had at the time ... due to an arrest for a warrant I was arrested in XXXX on XXXX this through what I had saved up for the payment of both vehicles ... also I was never given a full 30 days to prepare for a payment for the XXXX XXXX XXXX XX/XX/XXXX ) was when capital one notified me and introduced themselves as my financing company. The payment of XXXX was made around XXXX that was all I could afford due too court and legal fees for my previous arrest in XXXX
So they didnt really work with my situation in that part.
On XX/XX/XXXX I was also pulled over on my way to work in the XXXX Ram 1500 for no reason was my belief, but when the officer ran my name, it appeared that I had a suspended license but also had on original dealership plates. Never received my official XXXX license plates. So that was the officers " probable cause '' too pull me over ...
After being compliant and reasonable the XXXX officer towed and impounded my truck for a mandatory 30 days ...
After the 30 days was over the Towing company who was holding my vehicle notified Capital one and said my vehicle was abandoned or was intending to sell my vehicle ... the cost of the vehicles release was going to be 700+ dollars that's not including the XXXX towing charge..
Anyway, I was prepared to take the vehicle out of impound. But come to find out I wasnt notified that capital one came and repossessed my vehicle for a " violation of our agreement '' that i was intending to sell the vehicle ... so after calling and figuring out what to do next I called the financial service ( CAPITAL ONE AUTO FINANCE ) and the lady said my truck was now in a different city. At a capital vehicle recovering two yard waiting to be auctioned off ... for the XXXX I was able to put some cash down to prevent the auction date and the agent granted me 10 days .. I have to now pay for they're miscommunication mistake and now pretty much pay 2 different impound fees which added up to be is XXXX along with a XXXX payment that was for the vehicle itself ... I was never delinquent on payment ... that and only drove the truck for only a month and it got impounded, its embarrassing when I heard my truck wasnt even in the same vaccinity as me ... this isn't fair and isn't right ... as if I was 90 days past due for the payments and as if I were trying to sell my vehicle I didn't have access too. I REQUEST that they give me a full 30 days for making a payment, and also help pay for the impounding because I was never delinquent. The vehicle was in my eligible for release on XX/XX/XXXX.
The recovery company came and repossessed the vehicle on XX/XX/XXXX.
I was coming back from work/out if town to get the vehicle and her it wasnt in XXXX XXXX towing.. it is now in XXXX, XXXX at a place called XXXX XXXX XXXX. Scheduled for auction XX/XX/XXXX ...
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10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
|
Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ),
Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice
of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft CAP ONE AF Date of inquiry : XX/XX/2020 This is not mine.
2. Identity Theft CAP ONE AF Date of inquiry : XX/XX/2020 This is not mine.
4. Identity Theft CAP ONE AF Date of inquiry : XX/XX/2020 This is not mine.
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02/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
In XXXX of XXXX, I filed a Fraud complaint with Capital One. They closed the card number and sent me out a new card. In XXXX, I received a letter asking to validate my physical address on file or the account would be closed. I logged online on XX/XX/XXXX ( they have a record of this ) and updated the accounts for both cards. 1 Card worked fine. The card with the Fraud Complaint had an error preventing me from updating the address. I tried to update it again a few days later, and it appeared to work.
Suddenly in XXXX, my card stopped working. When I called in about it on XX/XX/XXXX, they said the account was closed because they didn't have my physical address. But they DID have my physical address. They asked if I wanted the account reopened, and I said yes. they said it would take 7-10 days for me to get a response. I said ok.
On XX/XX/XXXX, I get a call from XXXX ( Employee ID : XXXX ) who says that their team has reviewed the account and that they aren't going to reopen it. I asked for an explanation, and they said they couldn't get me one, that it would take 7-10 days.
On XX/XX/XXXX, I get irate and take to XXXX. @ XXXX XXXX XXXX team told me to call in and ask for a supervisor. So I do, and I talk with XXXX ( Employee ID : XXXX ) who was very unhelpful, refused to escalate the issue and said that there was no one that I could talk with. This enraged me further on XXXX.
A few minutes later, on XX/XX/XXXX, XXXX ( Employee ID : XXXX ) calls me back and says that he found evidence of me updating the address on XX/XX/XXXX and has attached it to the case, and asked for permission to call me back the next day.
At the same time, the Social Media team indicated that someone would contact me " shortly '' but refused to give me an ETA. And yes, I was very upset.
On XX/XX/XXXX, XXXX ( Employee ID : XXXX ) called me back and said that they couldn't reopen the account. I immediately raged and asked why, and was given the same answer of it would take 7-10 days for me to find out. I asked for escalation and to speak to a manager and was told it would take 72 hours for someone to call me back. That was unsatisfactory to me. And asked to speak to a supervisor. I was informed that it would take a long time, and I simply didn't accept that answer.
A few minutes later, I was handed over to XXXX ( Employee ID : XXXX ) who identified herself as the sole person in charge of making the determination on this account reopen. She said that she couldn't. I asked why. She said it was because I didn't contact them after receiving the letter. But I did. And she shows I contacted them on XX/XX/XXXX online to update my addresses. She then claimed that it wasn't good enough, that the letter stated that I needed to contact them.. as in verbally, as in phone call. But, I didn't interpret that letter and simply felt that we live in the year XXXX and that updating my account information online is as good as calling. She claimed that the Patriot Act and Truth in Lending laws prevent her from reopening the account. I claimed that as an untruthful statement because Captial One DID have my physical address, they have confirmation that I did log online.
XXXX, being the sole person in charge of this decision, has stated that it would be her breaking a law to reopen it. Yet, I gave Captial One all of the information they needed. they had a physical address. They have proof that I " contacted '' them online and updated it. Yet, she has remained steadfast in the acknowledgment that A ) this isn't my fault, B ) this isn't Capital One 's fault, and C ) she has decided not to reopen it.
I have been a user of Captial One for 11 years. How do they lose my address? How is this my problem? I did everything that Capital One made NO attempts to call me on this matter, and XXXX could not confirm or deny that they made no attempts to call me.
So now the penalty is on me for no reason. I am bearing the burden of incorrect credit closure and reporting. I am bearing the burden that if I want this account, I have to reply, thus being another credit hit.
I am FURIOUS.
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11/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
|
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Web |
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First initial contact of this horrible situation. On the morning of XX/XX/2023, I receive an email from Capital One stating Congrats Your new XXXX checking account is open. Since this email was timestamped at XXXX and I reviewed my emails around XXXX that morning. As I am trying to get my work day started, I went online to research Capital One customer service number. I immediately tried to call Capital One at XXXX by calling XXXX it was speaking about credit cards. So, at XXXX am I tried calling phone number XXXX and first spoke to either XXXX or XXXX both I spoke to explaining what email I received and what had occurred and I didn't not open nor authorize any checking account opening. I explained this was unauthorized and my information has been comprised. The first representative transfer to the second person to closed the account due to account opened fraudulently. I ask them can they provide me with the IP address to whom open this account initiated from but later informed me I needed a subpoena to get such information. I advise them to immediately closed this account. I was informed that it will be close and soon receive something in the mail.
Now, fast forward to almost to XXXX month later XX/XX/2023 I am calling Capital One again because I receive another email timestamp at XXXX stating Important Account Information with the following information.
Dear XXXX, We sent you a notification at the time you opened your new account at Capital One 360 asking for you to contact us. Unfortunately, we haven't heard from you and we still need some additional information before you can use your account ( s ). For your security, this is something that can only be done by speaking to one of our Associates.
You must give us a call soon or your account ( s ) may be closed. You can reach us at XXXX XXXX through XXXX, XXXX XXXX to XXXX XXXX, XXXX from XXXX XXXX to XXXX XXXX, or XXXX from XXXX XXXX to XXXX XXXX XXXX
Keep in mind : Until we talk to you, you won't be able to make any further deposits or withdrawals on the account ( XXXX ) including any Automatic Savings Plans you previously set up.
If this is a joint account, this also applies to the joint account holder.
If we don't hear from you, we may close your account ( s ).
Once you confirm your info with us, you'll have full access to your account ( s ) again.
Thanks.
I called this morning to Capital One again at XXXX calling XXXX spoken with XXXX XXXX XXXX XXXX explaining to her with frustration that this account was unauthorize and this account was open without my permission and without my knowledge and XXXX month later I still have not received a letter stating this account was close which after receiving this email I see why. She repeatedly stated it is flagged I repeatedly explain to her that does not means it is closed but flagged. Flagged on account does not mean it is close, I need the account closed. I explained to her I know what closed and flagged means because I work in Risk and Compliance flagged is a warning stating something is wrong it does not mean something is closed. If the account was closed, I would not have received another email from Capital One. XXXX put me on hold and then transfer to XXXX at XXXX. I have had useless conversations today ( XXXX, XX/XX/2023 ) with both XXXX and XXXX. I explained to XXXX that I did NOT, have NOT, nor I have authorized any accounts with Capital One. I am NOT interested in having an account open with Capital One. My identity has been comprised from my initial conversation on XX/XX/XXXX to discovering this account was open I want this account close. Which I explain to them that they are jeopardizing my identity that Capital One remains to have this account open. XXXX had the nerve to stated I need to fax or mail a signature of application. I explain to her what I am not going to do is send you any information on an unauthorize account that I do not want nor am not interesting in having with Capital One. This seems to be a similar situation as XXXX XXXX opening up unauthorize checking account on several consumers.
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09/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
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Web |
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I am writing today as a concerned consumer who recently purchased a car from XXXX XXXX Mitsubishi on XX/XX/XXXX, with financing provided by Capital One Auto Finance. Before delving into the matter, I would like to emphasize my intention to settle the outstanding balance despite facing recent financial hardships and questioning the integrity of both XXXX XXXX XXXX And Capital One. Over the past few weeks, I have had the opportunity to carefully evaluate the retail installment contract, and I regret to inform you that I have discovered numerous violations of my consumer and civil rights by both XXXX XXXX Mitsubishi and Capital One Auto Finance. These violations include misrepresentation, unfair lending practices, deceptive practices, unsolicited charges/fees, breach of contract, infringement of privacy rights, securities fraud, and instances of identity theft. The severity of these issues warrants prompt investigation and swift resolution. Furthermore, I have received multiple threats from Capital One Auto Finance regarding repossession of my property. Moreover, I have been incessantly harassed by Capital One Auto Finance agents via recorded telephone calls, demanding full payment. In response, I requested original documentation outlining the bilateral consent between Capital One and myself, but regrettably, none of the requested documents have been provided. It is my belief that these allegations were carried out knowingly and willingly. I can assure you that I possess detailed documentation that substantiates my claim, which I am more than willing to provide. I am aware that the XXXX XXXX XXXX ( SEC ) enforces strict laws and regulations to prtect investors and consumers as well as the integrity of the fancial market. It is evident that both Capital One Auto Finance and XXXX XXXX XXXX have knowingly and willingly committed securities fraud by way of the employees, agents, and representatives involved in this consumer transactions. I will list some below : -15 USC 1635 Right to rescind contract. ( the car lot failed to mention this was a possibilty and Capital One cant even produce a contract ) -15 USC 1692c False representation -15 usc 1692a Definition of debt and debt collectors. ( This is important as I understand Capital One Financial Corporation to be a financial institution and not a debt collection agency, however, I have received numerous correspondence stating their claims to attempt unvalidated debt. ) -15 1662b Cash or FRNs are not required for a credit transaction. ( I was told that I had to pay {$2500.00} dollars as downpayment in order to travel off the lot. ) -15 1666b ( a ) No such thing as late payments. ( Even so, Capital One has reported negative information to the credit beauraus multiple times even though I never gave them written or orall permission to do so. And I never gave the credit beauraus written or oral permission to post negative information. ) 15 USC 1605a XXXX CHARGE is the sum of ALL payments. ( Even So both Capital One and XXXX XXXX knowingly and willingly tried to charge me over {$40000.00} dollars for a XXXX used car. ) 15 USC 1681b Identity theft ( due to suspected securities fraud by both Capital One and XXXX XXXX Mitsubishi which too was done knowingly and willingly ) -15 USC 1681n willful non-compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE THE PEOPLE are in fact the original creditors.
-42 USC 408 shouldnt ask for XXXX on loan as it fraud.
-12 USC 1431 Banks can not loan money as they are the borrowers -15 USC 1692f NO REPO OR FORECLOSURE -31 USC 5118 OBLIGATIONS CAN BE DISCHARGED WITHOUT LEGAL TENDER.
15 USC 78cc ( b ) ( c ) Validity of Contract ( Contract and loan void due to allegations ) -15 USC 6821 Privacy protection for customer information of fnancial institution. ( Clearly no one cared that I was a customer at Cap One. Also securities fraud comitted when XXXX was placed on mode of conveyance ( car ). And when application was turn in to federal XXXX bank on behalf of XXXX XXXX XXXX AND XXXX XXXX ) -31 USC 3123 ( a ) ( b ) Payment of obligations and interest on the public debt
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07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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My name is XXXX XXXX, and this is regarding a Capital One Spark credit Card through my business, XXXX XXXX Let me start off by stating that i pay my credit card bill in full every single month, on time, using the Banks automated system for at least the last 7 years. In the month of XXXX i had a large bill of {$13000.00}. On XX/XX/XXXX I made a payment to CAPITAL ONE MOBILE PMT / ID : XXXX in the amount of {$6200.00}. I made a payment of {$6200.00} from my bank account prior to the due date. Then on the due date of XX/XX/XXXX the credit card company took the full payment that was due on auto pay on XX/XX/XXXX CAPITAL ONE CRCARDPMT / ID : XXXX in the amount of {$13000.00}. It turns out they advised me on one of my four calls to them that I should have read the auto pay details that it does not adjust the payment if you make any additional payments. So, they now have {$6200.00} over payment in their hands.
This is where the issue has occurred. I called and requested them to put the money back into my bank account. They said they may or may not be able to but would get back to me. They did not get back to me. I called 2 weeks later to find out where my {$6200.00} was because I noticed that my credit card balance now had exceeded my maximum of {$20000.00} and they denied payment to one of my vendors. They debited my credit card account {$6200.00} which put me over my balance, but I did not get that money. I called and they told me that it takes 14 days for me to get a check back. Then they advised it is fourteen business days. Which is total XXXX, so I called fifteen business days later and I said, I do not have a check and you are debiting my account for {$6200.00} for which the bank is still holding. They advised that the check had not been cut or mailed out yet. After yelling at them I made another payment of {$2000.00} on XXXX and {$3000.00} on XX/XX/XXXX, and {$2000.00} on XX/XX/XXXX to lower my credit balance so that I would not be over my credit limit. in addition, I made my full payment that was due on XXXX on XX/XX/XXXX of {$5400.00}. However, they charged me interest for the {$6200.00}, that they said they sent to me, which they had not sent me a check. I called a third time, and they advised they would stop payment on the check, and they would apply the {$6200.00} to my account in four business days. Still no check was ever mailed to me. I still have not received any check from them, even though they say they stopped payments. How do you stop payment on a check that you have not mailed?
Today is eight business days, and they still have not credited my account the {$6200.00}. I called today and they say it will be credited in the next two days. I do not believe them. In addition, they now have charged me {$190.00} in interest payments because they say, the {$6200.00} was not paid on my balance owed on XX/XX/XXXX, so they are charging me interest on the full balance owed. But I paid {$5000.00}, prior to the due date in additional payments. Again, I do not have the {$6200.00} in my bank account or credited to my account as of today XX/XX/XXXX.
These are the issues the bank is in violation of : 1. They have the {$6200.00}, have not paid me any interest on my money, but have the balls to charge me interest because I carried a balance, which I believe I have not.
2. Have held my {$6200.00} since XX/XX/XXXX and paid me no interest and have not credited my account or sent me a check. Even though each time I call they give me a different XXXX excuse.
3. I have called four times and spoken to several managers to get this resolved with no resolution.
4. Have made additional payments outside my full payments upfront of {$6200.00}, as well as an additional {$7000.00} to reduce my overall balance, because if they credited my account {$6200.00} this would not be an issue. So, they have {$13000.00} of my money but continue to charge me interest.
How is a bank allowed to do this to consumers? Even if they do credit my account, what they did should be illegal and they should be fined 1000 times the money they are holding of mine.
|
08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I called Capital One on XX/XX/2020 to enroll in a payment deferment due to Covid-19. The representative informed me they would be able to push XXXX and XXXX and add them to the end of the loan term. At that time they also informed me that I would be able to enroll in a deferment for XXXX and XXXX if needed by going on my online account. The individual instructed me how to complete the information in order to get this accomplished. In XXXX I went online and followed the steps I was told to do and pushed my XXXX and XXXX payments as we were still getting back on our feet.
I did miss a call from Capital One on XX/XX/XXXX and the voicemail stated to return the call, no mention of a late payment or past due account. There were no emails or other alerts stating this. Where I thought my account was deferred, there was no urgency.
On XX/XX/XXXX my credit report was listed as my XXXX payment being 30 days past due. My due date for payments is the XXXX of each month. My XXXX payment showed as satisfactory. The XXXX payment was officially 9 days past due when incorrectly reported on XX/XX/XXXX to the credit bureaus as being 30 days past due.
On XX/XX/XXXX I received an email statement saying I owed 3 times my payment amount ( XXXX, XXXX and now XXXX ) and that it was due immediately. I called Capital One XX/XX/XXXX to find out what was going on as the XXXX and XXXX payments were supposed to have been deferred. They informed me that I received incorrect information in XXXX and the payments were postponed not deferred. They were able to defer the XXXX payment on XX/XX/XXXX and told me I would have to wait 2 weeks to call back to correct XXXX. They also waived the late fees with XXXX and XXXX due to the error.
On XX/XX/XXXX my credit score decreased XXXX points due to Capital One reporting my XXXX payment as 30 days past due. I called Capital One immediately and they were unable to help as I had to wait the 2 weeks to correct the XXXX payment which is what was reported as 30 days late. The XXXX payment was now 21 days late not 30.
I called on XX/XX/XXXX to correct and defer the XXXX payment to which I was told I would now have to wait until Monday XX/XX/XXXX before they could submit a deferment. My XXXX payment would actually be 30 days past due as of XX/XX/XXXX and this made me uncomfortable having to wait til Monday to take care of it but was assured they would not submit to the credit bureau as being late yet. I also spoke to the dispute department and asked if they can submit a correction to my credit report as it is being reported incorrectly. After speaking to multiple managers they informed me there was nothing they could do because the account was 30 days past due ( the XXXX payment at this point was officially 29 days past due ) which 30 days past due was inaccurate.
I called back after submitting a dispute through XXXX to remove the information due to incorrect reporting to see if Capital One could provide a letter stating they had a reporting error so we could submit it along with my dispute as well as provide to my mortgage lender as I am trying to go through the preapproval process for a home to purchase this fall. They absolutely refused to help or offer any solution to fix THEIR error. The only offer I received was for them to find the original call from XXXX and reprimand the representative who informed me incorrectly to begin with which does zero to fix my credit. Each manager confirmed that the XXXX payment was in fact, only 29 days late.
They can not report a XXXX payment as being 30 days past due when it was not.
I worked out a way to pay the XXXX payment on XX/XX/XXXX because I did not trust the company to honor their information of being able to defer the payment and did not trust them to not report that incorrectly as well. I did confirm on the recorded line that my payment would be listed in their system as paid on XXXX XXXX XXXX days into the past due cycle after grace period and should not be reported as 30 days past due per the Capital One payment system which was confirmed by the representative.
|
01/31/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
On XX/XX/XXXX I went to XXXX to purchase and Air Mattress a long with some other items for a total amount of {$280.00}.
About 3 month later on XX/XX/XXXX, the Air Mattress sprung an air leak. I ended up learning that the Air Mattress unlike most Air Mattresses did not come with a repair kit in the box. Unable to self-repair the Air Mattress and unable to find my purchase receipt, I took the air mattress back to XXXX to see if they could do anything to help resolve my issue.
speaking with an employee and a manager, they were unable to verify my transaction of the purchase of the air mattress, even though I performed the transaction with a debit card using my pin. I showed them my banking statement to prove my proof of purchase, which they accepted but stated they would not give me a refund, rather, as I was just 1-day shy of the 90-day mark for any returns or transaction disputes, they would offer to exchange the air mattress for another of equal or higher value, not less.
I was fine with this, as I was initially satisfied with the air mattress purchase, I was not initially looking for a return but to get the same one back. Upon checking their sales floor, I could not find the air mattress, and I could not find another air mattress of higher value to exchange it with. Hopeful, I approached the manager again and explained I was unsuccessful and finding a replacement air mattress. The manager had the same employee who was also assisting verify that they did have one in inventory, but they could not physically find it.
The manager explained to me that this could mean that " it's in a shopping cart right now, or somebody stole it ''. I asked her if there is anything that can be done. I ask if I can receive a credit to which she denied my request stating they can not take the item back without a proper XXXX receipt. She offered that I can take the mattress to another store that has the item in stock, and conduct the exchange there.
I went to 2 different XXXX stores and each told me the same thing, that they do not share inventory with other stores. defeated, I went back to XXXX where I purchased the item from originally and explained to the same manager what the other XXXX stores told me. She said, then at this point, there is nothing else that she can do for me.
Undeterred, I figured I can explain the situation to my bank and get assistance on my dispute with XXXX.
I contacted Capital One Bank on XX/XX/XXXX regarding the situation and they provided me a provisional credit while working on my claim. The provisional credit covered {$280.00} plus another {$350.00} to back pay my overdraft fees I racked up that month of the purchase. I then received my claim number : XXXX.
On XX/XX/XXXX I received a letter in the mail from Capital One Bank stating that my claim was denied because " The Merchant Info shows there was no error '' and that my provisional credited funds, would be deducted back from my account for a grand total {$630.00} on XX/XX/XXXX I called Capital One Bank to dispute the claim decision. upon speaking with the person who handled my claim, she stated that the claim was denied because this was a purchased made with a verified debit card pin. I explained to her, that the transaction was not what I was disputing but purchase of an item that I am no longer able to use. The rep stated to me that I could have spoken with XXXX about a store credit, but this was already technically offered to me when they agreed to exchange the item for equal or higher value but I could and was not able to find a replacement.
With no way to get help in resolving my claim with XXXX and now Capital One Bank. I decided to contact Master Card as I recall Master Card having some form of a program called " Buyer 's remorse ''. I contacted Master Card and followed the prompts on the phone until I made it to their debit card claims department. After explaining my situation to them, Master Card stated, they can not assist with my concerns as my Master Card was issued by Capital One Bank and they advised I take the concern up with them.
|
06/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Dear CFPB.gov : I am submitting this report to CFPB because CAPITAL ONE is refusing to return funds coveted by CAPITAL ONE for more than several months. In an effort to reduce length of this complaint, please reference below the information submitted to XXXX and CAPITAL ONE. Please publish any and/ or all of my writing to any and/or all of your media outlets. I give it to you free of strings. Please help me with this issue : I have exhausted my known means at getting CAPITAL ONE to act lawfully.
Thanks, /s/XXXX XXXX XXXX _________________________________ Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Refund / Exchange Issues Problem description : Dear XXXX. : Capital One is refusing to refund fraudulent activity on my credit card account. I initially requested proper action to be taken by CAPITAL ONE in XX/XX/XXXX. Since then, numerous calls to the company have resulted in unfulfilled action. I am appealing to XXXX in an attempt to make aware other individuals considering business with CAPITAL ONE and to receive a full refund to my account plus interest of 27 % APR on my coveted funds for the time CAPITAL ONE had them purloined. XXXX response to this complaint and or attempt at resolution must include legally enforceable instruments, that means bearing my wet ink signature. Please reference below a letter sent to CAPITAL ONE through their own electronic upload system.
Thanks, /s/XXXX XXXX XXXX XX/XX/XXXX To : Capital One Dispute Team From : XXXX XXXX XXXX *Please respond via phone or email* Dear Capital One : I am requesting additional review, case reopening, and timely refund for two ( 2 ) unauthorized charges to my credit card account. The two case numbers are below : CASE # XXXX XX/XX/XXXX {$49.00} XXXX CASE # XXXX XX/XX/XXXX {$49.00} XXXX I submitted this gym membership cancellation on XX/XX/XXXX on the instruction of the gym management. When I requested this cancellation in person on XX/XX/XXXX, the management told me that I had to come in before XXXX to cancel the membership. I explained that I have a job that prevents me from being able to come to the gym again. I additionally explained that I would be in XXXX XXXX XXXX for the next three ( 3 ) weeks, and that I was canceling because I was moving residence. I explained that I would not be returning to the gym again. The management instructed me to email my cancellation request to XXXX. I was instructed to include my legal name, Driver License number, and phone number. I was told that the cancellation would be processed immediately because I had already paid my membership for my last month. This means that my membership was paid through XX/XX/XXXX because I canceled on XX/XX/XXXX. In the month of XX/XX/XXXX I noticed that XXXX was still charging my card. My first attempt at resolution involved calling the number associated with the charge on the account. I left four ( 4 ) voicemails, and I never received a call back. The charging company never answered the phone, even when I called during regular business hours. Apparently, the gym is attempting to claim I signed a contract that makes canceling membership through email invalid. I never received a contract with this information, and I do not recall ever signing an agreement that would make email cancellation impossible. I would need to see a notarized copy of a wet-ink signature contract, and the gym can not provide this. I disagree completely with any and all claims by the merchant for not accepting the cancellation provided via email as was instructed by the gym management. This is the only claim I have ever submitted to Capital One, and I am disappointed at how complicated it is to get a refund of unauthorized charges. This process has absorbed an unacceptable amount of my time and effort. Please process the refund and credit my account for the amount of the two ( 2 ) unauthorized charges. Thanks, Desired Resolution : Other ( requires explanation ) Desired Outcome Return of funds with interest ( at least 27 % APR ) and publication of this complaint to XXXX and/or CFPB.gov. Thanks.
|
12/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX I signed up for XXXX XXXX at XXXX XXXX. I requested a specific professional that could help me because I was recovering from a C-section. The referred me to the trainer by the name of XXXX XXXX. I was told at that time that there were no other trainers there other than him The XXXX XXXX that could help me. I originally requested a woman, they assured me that XXXX would be the only one that could help me. I signed up the services, he told me about their strict no show, no call policy, told me about the importance of my training journal, my instructional materials and we started to schedule our morning sessions. The first training session, XXXX did not show up and did not call me. While that alarmed me and I actually wanted to call it quits then, I contacted XXXX XXXXXXXX the next day to ask if everything was okay and what had happened and if I could cancel because I didnt like how this was starting. They apologized and begged me to stay. They said that something with XXXX must have come up and that he would for sure show up on Wednesday. Wednesday came and XXXX just glossed over the no-call no-show. I spoke to XXXX and wanted to cancel but he promised that the second would be better. The second week, I had two personal training sessions. He was late to both and neither were for the full 1-hour long session. He forgot to take my measurements, he forgot to weigh me each time, he didnt have time to do an assessment and he also never gave me a training journal. But assured me that there were just some small personal life things he had going on and that things would be better the second week. The second week, I tried to schedule my personal training sessions, XXXX did a no-call no-show to both of them. I called the front desk and they said that XXXX was going through some personal things because he was supposed to be there by now. This happened twice in the week of XX/XX/XXXX. I had referred a friend of mine to the same XXXX XXXXXXXX and trainer when I first signed up and she told me that he did a no-call no-show as well. I think contact XXXX, the manager at the time. XXXX said that they had several reports about XXXX and he would put in a request to cancel my membership because they dont have any other trainers at all. I had lost my spot at my previous gym and I was out of {$290.00} and {$540.00} so far.
I have had two training sessions altogether. Really One full one because the first training session was supposed to be free. I called XXXX XXXX every day for the last XXXX weeks, trying to reschedule, find a new trainer and at the very LEAST get my Money back. They told me that this wasnt uncommon with XXXX and I wasnt the only one complaining. I already knew that I wasnt because the friends that I had brought along to the gym with me, he also stood them up. It was very distasteful. XXXX kept making promises that XXXX would fix it, that I would get free sessions, a free month of membership, that he had a new trainer on the way, that it would all be fixed in XXXX hours. In 8 weeks, I had no personal training session, no training journal, no instructional material, nothing has been addressed by the XXXX XXXX XXXX. Finally, after speaking to corporate 10 times they told me I would receive a refund and a cancellation because my contract was breached and I did reach out to them in enough time originally. They gave me the email XXXX to email. I emailed her on once a day starting XX/XX/XXXX. She didnt call me back until XX/XX/XXXX. She scheduled XXXX sessions for me at the wrong XXXX XXXX and when I called to speak to XXXX, she said that she actually could not train me because her schedule was conflicting with mine. I never received what was promised to me in my contract. I did not receive what I paid for. I contacted XXXX XXXX in enough time to cancelXXXX XXXX XXXX and their trainers breached the contract and are refusing to refund me. I have been trying to rectify this since XXXX. Since receiving no personal training or not contact In 2 months. I didn't receive anything that the receipt that they provided states.
|
01/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
RE : Account # ( Fill in Account XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.
This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the written proof of the company you used to verify this account is connected to me? I contacted XXXX XXXX and they confirm they legal do not share this information. If you can not provide proof I want this account remove immediately. As it is against the law to put inaccurate information on my report. Please send me an updated report with accounts that do not belong to me.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX Federal Trade Commission
|
11/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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On XX/XX/XXXX my car was wrongfully reposed, without proper notice or timing of notices. They have been giving me the run-around during resolution or their research time meanwhile suddenly took my car. Capital One is not sending the XXXX XXXX ( the 3rd party repossession company they used ) a " letter to release my car '' that CapitalOne claims they have to send XXXX XXXX in order to give me my car back, nor even tell me the location of my car or how to resolve the issues that got me in this mess CapitalOne isn't owning up to, they are at fault for mistakes on my account, they are requiring me to pay a penalty & several months " past '' payments all at once -- they didn't tell me I had 2-3 months of past payments due or REVERSED until the week leading up to the repo of the car. CapitalOne says they want me to pay the repo fee {$500.00} plus {$2300.00} which they claim I'm past due ( but they never notified me of this in proper timely manner until now in XXXX suddenly ) to then release a letter for an appointment/pick up car ( without knowing condition of my car first ) for their ( CapitalOne ) mistake on my account ( no fault of mine on payments in actuality ) that they claim I'm Past due but they failed to notify me about past due with appropriate time, I was not told about past due payments until they accumulated to 2-3 months worth and then took my car during a time I was also trying to find out what the issue was & resolve the issue with them directly. CapitalOne keeps giving me the run-around all this time & made the situation worse than needed. I had called to resolve the mistakes I didn't know they made, on Friday XX/XX/XXXX ( I'd also spoken to them prior ), they lied to me also and kept transferring me around, they claim to have someone in their 'customer advocacy department president office ' call me back but they didn't call me back on Monday XX/XX/XXXX like they said they would to find a resolution where I wouldn't be paying the past due amounts for their fault on my account or reversals of payments I didn't have part in, they called me back only AFTER they repossessed the car on XX/XX/XXXX, so no resolution for days. My bank I spoke with where they were to get funds from, or my account they had on file is XXXX who claims & gave me a letter on XX/XX/XXXX after also speaking with them several time prior to this date, stating CapitalOne hadn't attempted in last 2-3 months to take money from my account. Meanwhile CapitalOne every month on my account said they received payments up until XXXX when they suddenly tell me they didn't for past 2-3 months. I never put a stop payment on my XXXX account, nor reversed any payments as CapitalOne was claiming. CapitalOne nonetheless told me each month payment received & then they reversed several at once not just this time but on separate occasion as well. I called CapitalOne XX/XX/XXXX ( day before XXXX ), XX/XX/XXXX. On XX/XX/XXXX I gave them 2 cards to make payment, they didn't want to take a credit card only debit card and for my debit card they ran it through 4 times, the first time it went through took funds but declined on their 2nd, 3rd, and 4th attempts since I only had enough for 1 payment to them on that card, they told me in this call that the card was declined and they couldn't send the letter to release my car because of this. So essentially they lied again since it did go through. Furthermore, XXXX XXXX continues to cancel all 4 of my appointment attempts now with no explanation. They also don't always answer the phone and will not give me any details to my situation, Capital One nor XXXX XXXX will tell me where my car is even located either. CapitalOne washed their hands of helping me with making/getting appointment with XXXX to get my car back. I've only received the worst customer service, I am telling everyone I know and more about the horrible treatment from CapitalOne, I would never recommend them. I'm a victim to this, undue stress, and paying money from my emergency funds during this crisis in our world & during holiday season, overall it's not right.
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02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a Capitol 1 card. My first payment was due on XX/XX/XXXX. Last four digits on that card are XXXX.
On XX/XX/XXXX, the day before bill due, I made a payment using the Cap1 app in the amount of {$390.00} and I got a confirmation number. Before the confirmation number, the app displayed an error message for a second or two before giving me the confirmation number.
On about XX/XX/XXXX I called customer service at Cap1 because the money was just sitting in my checking account. The app kept displaying a payment processing / pending message. I had a confirmation number. The operator told me my account was ok, no problem. I asked maybe twice to make sure and I was told everything was fine.
On XX/XX/XXXX I wake up at XXXX to an e-mailed statement from Cap 1. It had a LATE FEE, interest fee and further said I was OVER MY CREDIT LIMIT ( all tied to the fact that the payment I made did not process ).
I immediately called Cap 1 customer service and paid off the entire balance of {$530.00} ( which includes late fee and interest charge I wouldnt have been liable for had the first payment processed correctly ) I was given a confirmation number again. I was very concerned about the OVER LIMIT info being reported to the bureaus. I was trying to find out what went wrong and I was, in sum, told to contact my bank. I drove to my bank to inquire and XXXX XXXX doesnt show ANY ach attempt from Cap 1.
I have talked to Cap1 3-5 times since then. I have attempted to talk to a manager about what went wrong but I keep hitting a wall. I was told XXXX XXXX ( my bank ) sent a letter to cap 1 BEFORE the statement close date and NO one from cap 1 attempted to make me aware of an issue. I requested a copy of that letter but have been told thats its for internal use only. I wanted to take the letter to my bank to get to the bottom of the issue. The purported letter said the account was closed, and I was told the last 4 digits of that account are XXXX. That account indeed is closed but thats NOT the account I used or input into the payment screen. I dont even have that account number on my files anymore. Something beyond my control went wrong. I asked that same manager over the phone if I can access any info I used to make the {$390.00} payment on XX/XX/XXXX via the app, just to verify. I was told that wont be possible for me to do.
I called again this morning ( after getting an alert from XXXX of an 18 XXXX point drop as a result of this ) to ask if an IT ticket may be opened to find out what went wrong and the rep said NO. I want them to trace the error from XX/XX/XXXX to make sure it doesnt happen again. The manager on duty today told me via phone I know for a fact theres no glitch or problem.
I dont understand how that individual couldve made such a statement given shes not in IT.
I reiterate, the over the limit info was released to the bureaus and my XXXX fico 8 formula dropped 18 points as a result and I have the screenshots that show it. I made a timely payment which for some reason didnt post and I want a clear investigation as to how the checking account number I input was converted to an old closed account.
I dont feel any goodwill or transparency from Cap 1 toward me. I keep attempting to ask them to trace the original payment via tech support/ IT to see why my info reverted to an older closed account and they keep telling me to take a hike whilst ruining my credit score.
I know for a fact I did not use the closed account to pay. This is not something Im at fault for.
Today I was told by them that if Im not happy I can file a dispute with the credit bureaus which would only lead to vicious cycle because, given that the payment isnt going thru, the dispute will only come back as verified because they will verify their statement as correct without fixing the root cause of this issue which is technical /IT in nature. This doesnt even skim the surface of what the true issue is. Its patently unacceptable for them to give consumers this sort of cookie cutter advice because that doesnt not even begin to solve the issue at hand.
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07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/XXXX I decided to take advantage of a balance transfer offer. I have very good credit, I owed about {$2400.00} on a XXXX XXXX Credit card, and the card was in good standing. Capital one had solicited me an offer saying I was " pre approved '' for a quick silver capital one credit card '' with a 0 % 15 months offer on purchases and balance transfers. I was just about to put in a new AC unit and was sure I could make the timeline and pay off the card in 15 months. The ac unit ran me about XXXX and the balance transfer was another {$2400.00}, so {$9400.00} decided by 15 months is about {$620.00}. No problem I can do that. So I proceeded to fill out there friendly Little app, all it pretty much asked was the card number, amount and payment address. I thought wow that's almost to easy, ( was I in for a surprise ) immediately I see an email saying my balance transfer request is processing and under review, soon I see an approval, within a few days they were happy to add it to my balance. Wow what service! Right? No!
I'm someone who keeps a pretty close eye on my credit, and my cards I was checking my XXXX XXXX Credit card every day, I wanted to make sure the card was paid off and if not in a sufficient manner so as to avoid a missed payment I was making a payment, weeks ago by. So I'm concerned and decide to call XXXX XXXX, they assure me saying these things take time, call back in a few days if I don't see it clear. Okay, I figured sounds reasonable, so that's what I did. Several weeks ago buy. Nada, nothing. So at this point I'm quite concerned I'm responsible for my capital one card and also for the {$2400.00} on my XXXX XXXX card. Now right around the time XXXX bank announces they have merged or purchased XXXX XXXX, I start receiving mail and notices of changes and new mailing addresses etc. Not much I can do I've already initiated this transfer. I call capital one bank express my deep concern that my XXXX XXXX card still hasn't been paid off, but the balance is on my capital one card has the {$2400.00}. It's always the same thing jump through all the hoops verify my identity, etc. Then they act like wow it shows it was cashed back on XX/XX/XXXX, we sent the check to the address you provided, maybe you need to give it more time. Okay here we are XX/XX/XXXX! I requested a copy of the cashed check, I received it. I've been calling everyone on the face of the planet. The check was in deed written out to XXXX XXXX, with my account number, my address and info. However it's just stamped on the back for deposit with several numbers and bank entity names. I've called those institutions, and they won't help me because I don't have an account with them. I ask why are you depositing this check then they say you need to contact the issuer of the check, I say I have, they say it's my problem the check was cashed it's out of there hands, I've called XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, capital one bank, no one will help me. This should not be happening I've worked for 33 years as a XXXX, I low middle income I barely get buy, these credit organizations are taking advantage of me and others, I think Capital one is in the wrong here, because it seems they have performed a very unsound credit card transfer. Why are they writing a check in the first place? Why are they not looking out for me? They make me jump thru hoops everytime I call to validate my identity, why didn't they do that with XXXX XXXX? Why am I having to try to recover funds for there mistake? Why is it my fault? The address at the time was right. My account number was right, my name and address was Right. I want people to know this is going on! It indeed looks like I'm screwed! I'm being stuck with both bills. I've done nothing wrong! If I don't pay my credit that I have worked so hard to build would be ruined! I'm at a point where I hate these companies! They are selfish! Self serving! And only care about themselves, they lie to you get your money threaten to ruin you and no one can help us small people. Do not use these companies they are wicked!
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12/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American, Servicemember |
My complaint is with my Capital One Master Card, ending with XXXX, that is branded for XXXX. Although I am able to use this card anywhere ; I only use it when purchasing from XXXX due to the rewards earned with XXXX purchases.
I am complaining about {$8.00} interest that was charged on my statement for the period XX/XX/XXXX through XX/XX/XXXX. The reason I was charged this interest is because I deducted the {$23.00} statement credit redeemed the previous month from the total balance due of {$850.00} on that previous month 's statement.
When I opened this account XX/XX/XXXX, the documents that I received stated that my rewards could be redeemed for statement credits.
I am enclosing a PDF of documents that explain this complaint.
On the first page of my PDF you will see circled the various ways my rewards points could be redeemed one of which is a statement credit. On the second page of the PDF which is also part of the agreement document on page one, you will see that I have highlighted : " Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. '' Continuing on the following pages, I am enclosing copies of a few recent month 's statements with the rewards for that period written in by me with the confirmation number acknowledging my redemption credit and no interest charged for anything on the statement even though I short paid the previous balance by the amount of the previous month 's rewards credit. The first statement I included was the XXXX XXXX statement.
Moving along to the next two pages you will see that on the XXXX XXXX statement I notated the same reward redemption credit and new amount to pay. Here you will again see that no interest was charged and on the second page of that statement you will see that the credit I used to short pay the previous month was duly credited with no problems.
Again moving along to the next couple of pages you will see this same pattern where I redeemed my rewards for a credit, deducted the credit and short paid the balance due with no interest charges incurred. I will add that I have been doing this for most of the months that I have been using this card. Some of the earlier months, I deducted the rewards points from online purchases. However, I switched to this method many months ago because it gives me a better understanding of my actual rewards credits.
However, the trouble started with my XXXX, XXXX statement. Here you can see that I was charged {$6.00} interest on the short payment of the {$15.00} rewards credit that I had redeemed the previous month. I promptly called Capital One 's customer service and the gentleman apologized, told me it was a mistake, and promptly issued me a credit for the interest charges.
However, I was again charged interest of {$8.00} on my latest XXXX XXXX statement because I short paid the total balance due of {$850.00} by {$23.00} which was the rewards redemption amount. Again I called customer service and asked for a refund and an explanation of what was going on. I told them that if they had changed the rules, I would just have to wait until the following month when the redemption credit appeared on my new statement to take it. However, I told them that I was not happy because I had been doing this for a long time with no problem and I did not understand why they were changing their policy. I say " them '' because I talked to several people during this call and each one said that they WOULD NOT issue me a credit for the {$8.00}.
I spoke with two supervisors and employee number XXXX, XXXX, was especially " harsh '' to me.
I am very upset about this, over the way I have been treated more that the amount of interest. I never pay interest, and I do not this recorded on my credit report. My credit score is in the XXXX 's and I take pride in my conscientious handling of my finances.
I am requesting a credit of {$8.00} to be issued to my account, an apology given, and any trace of interest charges erased from Capital One 's credit reporting.
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06/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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To whom it may concern, I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account.
I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports.
I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying.
By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information.
By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act.
FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY.
You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with.
Silence Equates To Agreement ~ Point of Law.
Time is of the essence, XXXX.
Without recourse, all rights explicitly reserved UCC 1-308, 3-415, and 1-1031
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05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am writing to report on various violations of the Fair Credit Reporting Act ( FCRA ) from the following organizations, XXXX XXXX XXXX, a derivative of XXXX XXXX, XXXX and Capital One ( further known as XXXX ) and XXXX, XXXX and XXXX ( further known as CREDIT REPORTING AGENCIES ). First, all companies, including BANKS, have agreed to follow the regulations to protect consumers ' information. Both BANKS listed have agreed to federal regulations within privacy ( Grimm Leach Baily Act ) and for fair credit reporting ( Fair Credit Reporting Act ). The information that is shown on the consumer report is in violation of more than these regulations and has adversely affected my life as it bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics and mode of living. The violations are as followed : Opt Out Laws - BANKS are required to give us the opportunity to opt out of any information. I have not received any notifications to date and my information is still listed with the credit reporting agencies. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection c, any consumer agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. The CREDIT REPORTING AGENCIES and BANKS do not have, nor did I ever give, my permission to and written or any other consent to furnish this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. The BANKS never informed me of my right to exercise my nondisclosure option. Further, it is illegal to show payment history as it is in violation of all privacy policies, including the Privacy Act of 1974. To add, this account is an adverse item that is in violation of of USC 1681 ( c ) ( 5 ) which states : Except as authorized under subsection ( b ), no CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information : Any ADVERSE item of information other than records of convictions of crimes which antedates the report by more than seven years. Further, the credit reports shows information that falsely represents the status of the account. The accounts show as charge off, which, according to the IRS rules and regulations, these are now CERTIFICATES OF INDEBTEDNESS, which means they are ultimately income and income can not appear on credit reports- another violation!! It is stated that every consumer reporting agency shall maintain reasonable procedures when there is cause for information to be inaccurate. 15 USC 1681 ( a ) states A person shall not furnish any information relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. Both BANKS have inaccuracies across the board and all information listed on each agency report is not the same. All of this is also in violation of the Privacy Act of 1974. The CREDIT REPORTING AGENCIES are not maintaining reasonable procedures to avoid violations of for fair credit reporting. Per 12 CFR 1026.7, A consumer may exercise the right to opt out at any time : XXXX and Capital One BANKS, I am opting out HOW you have listed this record. For XXXX, you will see inaccuracies across all credit reports, the payment history shown and the account shown as charge-off. For Capital One, you will see inconsistencies across the credit reports in the payment history, the payment history shown and the account shown as a charge-off. I am exercising my consumer rights for the REMOVAL of all payment history and the status of these accounts updated to paid as agreed and XXXX, XXXX and XXXX, I am holding you accountable to ensure these measures are taken in honor and good faith. I have attached the credit reports that reflect some of the violations listed in this complaint.
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08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I received a " Final Payment Information Letter '' letter from my Auto Loan provider Capital one Auto Finance. The letter stated that on XX/XX/XXXX the loan will reach it's term. It stated that my account balance exceeds my regular monthly ; y payment amount. Throughout the life of the loan I had a few deferments which pushed the payments or interest to the back of the loan. There was a balance of {$2500.00} and some change when the loan reached it's term. When I received the letter I called Capital One Auto finance and asked how I could pay the balance of {$2500.00} and if I could break up the payments monthly. I was told I cam break up the payments monthly as long as I paid at least my regular monthly payment of XXXX and that I had until XX/XX/XXXX. I called right after I received the letter on XX/XX/XXXX to ask what my options were as it was stated in the letter. I was told exactly what I described above and to wait and call back on XX/XX/XXXX and I will receive specific instructions. I called back in XXXX prior to my normal monthly due date and spoke to a gentleman who repeated what I was told above that I can break up the {$2500.00} into monthly payments as long as I paid before XX/XX/XXXX. On that phone call he took my first payment of {$550.00} over the phone after that I paid online like I normally did every month and on XX/XX/XXXX made another payment for {$500.00}, on XX/XX/XXXX {$520.00}, on XX/XX/XXXX {$460.00} and on XX/XX/XXXX the balance and last payment of XXXX ( note before the XX/XX/XXXX date I was told ) I received my title and congratulatory letter that the car was paid off. On XX/XX/XXXX I received notifications from all 3 credit bureaus that Capital One Auto Finance reported my loan as delinquent more than 90 days and my score dropped 70 points putting my score below average to where I can not buy another car or at least without an extremely high interest rate and It's hindering my ability to look for houses to buy. I called Capital One Auto and explained the situation and was told I am correct there is obviously a mistake " as I can see the payments that you made '' He told me he was going to submit a credit reporting dispute and it would take about 30 days. This past week I called for an update and was told the dispute was declined when asked why, I was given the run around by several people and the last 2 people I spoke to in the resolutions department said the loan was reported as late because the payments I made went to the principal and that i made them online after the first payment i made over the phone in XXXX. I explained I did was I was told to do. The floor lead in the resolutions department said there was nothing he can do and that he listened to my call back in XXXX where i was told to make the regular monthly payments. I tried explaining that's exactly what i did ... .I called and asked how I can pay the balance of XXXX that was due immediately and was told i can break them up monthly as long as i paid at least the minimum monthly payment and before XX/XX/XXXX. I was told this several times over several phone calls. No one told me not to make them online and no one said anything about it doesn't count if it only goes toward " principal '' I didn't choose for it to just go to principal and from my standpoint as the borrower all I'm looking at is a balance of {$2500.00} and what my options were to pay it and I did exactly what I was told I can do. i asked repeatedly why can't they fix the delinquent reporting when you can clearly see The amounts I paid and you can hear the phone calls where i was told I can pay each month the regular monthly payment and that i had until XX/XX/XXXX. This is clearly not a delinquency because i paid as instructed. However their computer system allocated the money to just principal isn't relevant because i was legit paying the XXXX over the 5 months as discussed and I did. There hasn't been a late payment on my auto loan account since XXXX. This is not a fair reporting when I very proudly paid off my car as agreed and on time each month.
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03/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
XX/XX/2023 - Created domestic Wire Transfer from my savings account for {$4000.00} to pay an invoice I owed. All account numbers, identification and amounts were correct. I put a memo on the Wire Transfer to remind me, and the company I was send it to what it was regarding.
Received confirmation via email of my wire request.
Received call from the bank saying they needed more information regarding my wire transfer.
Spoke with representative and explained who the wire was for and why I was sending. Bank Representative took notes and put on my account. Told me that it should go through shortly.
XX/XX/2023 : Funds still had not been sent by the bank.
I contacted the Bank and asked what was going on.
Spent over 1.5 hours on the phone being told my transfer was flagged by security and I needed to tell them exactly who the memo was regarding. They said they would not send my money unless I gave them details of why I was sending. I explained I was paying my attorney for a case they were handling for me. The Bank then said they needed to know the name and address of the other party in my legal case to which I replied I was not at liberty to discuss that publicly.
I requested to have the wire cancelled on the XXXX and the money returned to my account.
XX/XX/2023 : The funds still were not returned to my account.
I contacted the Bank again and was on the phone over 1.5 hours again asking why they won't send my wire, and was told again that their security team flagged the transfer and unless I tell them what they want to know the money wouldn't be sent.
I requested from the bank a reason for why the account was flagged, and they couldn't provide me any response because that was another department. I again asked for the money to be returned to my account. They said they'd put in a request to the security team to do so but couldn't promise anything.
No case number, no other information for me to prove I spoke with them.
The representative I did speak with was named XXXX XXXX XXXX ID # XXXX I then reached out to my attorney ( to whom I was trying to send the funds ) and they had never heard of any regulations from a bank requesting to know the details of a legal matter in order to send a wire transfer. They did say I could tell them if that would release the funds.
XX/XX/2023 : Money still not returned to me.
I contacted the bank again and spoke with another Manager for 2 hours XXXX.
I said I would give them the information on the case however the Manager now told me I had my chance and I blew it so " If you want to cancel the wire transfer now, say YES Or NO ''. She was very rude.
I explained that I had already cancelled the Wire days ago but the money wasn't there yet. They've been holding onto my {$4000.00} plus {$30.00} for the transfer fee for over a week.
I then asked, " If I say yes to cancel, can you confirm I will have my funds returned to my account by the end of the day ( XX/XX/2023 ).? '' The manager, XXXX said yes. IT's on a recorded line so she did say yes.
I agreed to cancel the wire again.
I also asked if I tried to resend the money to the same domestic account again, would it be flagged by their security team?
She answered YES.
While on the phone with her, I created a NEW Wire for {$500.00} to the same exact external account and sent it. It was wired without any issues.
XX/XX/2023 - The funds were not returned to my account.
XX/XX/2023 : I contacted the Bank again and spoke with XXXX who said she's try to expedite this return.
She did give me a case number to refer to ( regarding this call on this day ) - will provide later.
Again XX/XX/2023 - the fund are still not in my account, no one has contacted me and I have no where else to turn to in order to get my money returned to me. They told me I could send a letter to the president of Capital One if I wanted to file a complaint.
I am reaching out to XXXX to see if they can assist in getting my money returned to me. Capital One is stealing over {$4000.00} from me without any explanation as to why and how to get it returned.
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01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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On XX/XX/XXXX, I found out my mother, XXXX XXXX XXXX, had opened about a dozen credit cards using my name and social security, starting in XXXX of XXXX. She did this without my knowledge or consent. One credit card she opened fraudulently in my name was a Kohl 's XXXX XXXX. On XX/XX/XXXX, I filed a police report with the XXXX, XXXX police department. From that time forward, I worked with XXXX XXXX XXXX XXXX ( a branch of XXXX XXXX XXXX XXXX XXXX ) until XX/XX/XXXX ; on that day they notified me that they were no longer working on my case. At that point all they had done for me was mail letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, notifying them that I was disputing these accounts, incuding the Kohl 's Charge Card. On XX/XX/XXXX, I contacted Kohl 's directly via phone and notified them of the fraud and the situation. I was told they would contact me via mail if they needed further documentation. Unfortunately, the only mail I received from them was a notification that they were investigating my claim. They never contacted me for additional information, nor was I provided an address that I could send additional information to. In XXXX of XXXX ( I belive it was XX/XX/XXXX ), I had not yet heard from them regarding the investigation, so I reached out to them again via phone. I was told the account had found not fraudulent. The agent I spoke with was willing to reopen the investigation, and after I requested an address to mail a copy of the police report to several times, he finally gave me an address. On XX/XX/XXXX, I mailed Kohl 's a copy of the police report I filed, as well as copies of my leases from the time the card had been opened until the present. Several charges had been made in areas I had not been living in, and so I hoped the copy of these leases helped their investigation.
The address I was provided and subsquently mailed my documents too is : Kohl 's, Attn : Fraud Dept.
po box XXXX XXXX XXXX, WI XXXX Shortly afterwards, I received a latter from Kohl 's XXXX XX/XX/XXXX ; this letter stated they were reinvestigating my fraud claim.
A few weeks later I received a letter dated XX/XX/XXXX ; this letter stated that they again had found the account not fraudulent. I called them again and spoke with an agent in the fraud department. Although I asked several times if there was any additional information I could provide to them, all I was told was that they receive the police report and lease copies in the mail, and that they could reopen the investigation again. On XX/XX/XXXX, I was notified that this investigation did not find the account fraudulent. At this point I became very frustrated, as no one I spoke could offer any additional information as to why the investigation reached that conclusion ; I asked several times over what else I could provide, and they told me nothing. But again, they were willing to reopen the investigation.
Since the start of my dispute, I have receieved two letters in the mail, dated XX/XX/XXXX, and XX/XX/XXXX, requesting that I make a payment on the debt that I am currently disputing. While I did receive confimation that they were conducting another investigation, dated XX/XX/XXXX, not once have I been contacted by Kohl 's for additional information. To me, it seems like they are not conducting a thorough investigation because they are not looking into the documentation I have provided, nor are they looking for additional information to be investigated. They are simply confirming that payments and transactions were made on the account, rather than investigating these payments and transactions for fraudulent activity.
Since Kohl 's is attempting to collect a debt I am disputing as fraudulent and continues to perform insufficient investigations, I am filing a complaint witht the Consumer Financial Protection Bureau. I am a victim of fraud and identity theft, and do not feel that Kohl 's is not taking this matter seriously in any way. They have never requested information from me, and have only received the documentation I have sent because I insisted on sending it to them.
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03/13/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to dispute fraudulent late charges and interest charged by Kohls/CAPONE after my Kohls/CAPONE store account was hacked and my account was comprised on their system. I also want all Past Due information that Kohls/CAPONE has updated on my credit report to be removed.
I have researched the KOHLS/CAPONE past due charge on my credit report and have determined the following : 1. ) On XX/XX/XXXX, my KOHLS/CAPONE store credit card account was hacked in a case of identity theft. The hacker changed all of the contact information on the account street address, email address, and phone number. The hacker changed the address on my account to : XXXX XXXX XXXX XXXX GA, XXXX The hacker then ordered a {$390.00} XXXX XXXX to be shipped to that address in XXXX, GA on Kohls order # XXXX. Kohls did determine that this order was fraudulent and did cancel the order before the item shipped. Once the account had been hacked and the contact information changed, I received no bills or further communication from Kohls/CAPONE.
2. ) I have opened a Fraud Investigation case on Friday, XX/XX/XXXX with the Fraud Department of Kohls/CAPONE for the hack on XX/XX/XXXX.
3. ) After the hack, Kohls/CAPONE failed to : a. Determine that the hacker had performed identity theft by changing all of the contact information on the account and correct it back to the correct information.
b. Communicate with me that my account had been hacked and that changes had been made to the contact information.
c. Attempt to reach out to me using the previous contact information on file at Kohls/CAPONE in the intervening 6 months.
I had used the Kohls/CAPONE card in early XX/XX/XXXX for charges of {$240.00}, however, once the hacker changed the account contact information, I did not receive the XX/XX/XXXXbill or any subsequent bills and therefore did not pay the amount. Please see attached statements which I did not receive until requesting them in XX/XX/XXXX During my review of my credit report I found this issue. I have prepared and mailed a check for the amount of {$240.00} to Kohls/CAPONE via certified mail for the valid charges. I confirmed on XX/XX/XXXX that Kohls/CAPONE had received the {$240.00} and credited it to my account.
I have communicated with Kohls/CAPONE and they continue to add late fees and interest charges to my account although I have paid all of the valid charges and disputed the hack on XX/XX/XXXX. The only charges remaining are Kohls/CAPONE fraudulent charges related to the fact that identity theft occurred. Kohls/CAPONE should not make profits on consumers because of their lax security to protect consumer credit accounts by charging late fees and interest charges on hacked accounts. Kohls/CAPONE should remove all late charges and interest fees from my account dating back to the date of the identity theft/hack.
Kohls/CAPONE does not have the correct cyber security in place to inform consumers when their account has been hacked and account information has been changed.
I am requesting an Investigation of this item and removal of all fraudulent late charges and interest charges. I would also like all of the Past Due statuses removed from my credit report.
Kohls/CAPONE debt collection continues to add late charges/interest charges to my account even though I have disputed the amount.
Kohls/CAPONE continues to call me even though I have disputed the charges as fraudulent and that Kohls/CAPONE should not make money when my Kohls/CAPONE credit card is hacked.
Can you determine if Kohls/CAPONE experienced a security breach on XX/XX/XXXXand if there were other accounts that were compromised?
Does Kohls/CAPONE have a responsibility under the law to inform a consumer when his/her account has been hacked and their security breached?
Thank you, XXXX XXXX XXXX Attachments : 1. ) Copy of XXXX Credit Report showing incorrect Late Due Status 2. ) Copy of Check for {$240.00}.
3. ) Copy of Certified Mail Receipt 4. ) Copy of Kohls Fraud Investigation Letter 5. ) Copy of prior months statements showing hacked address in XXXX GA
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07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Esteemed CFPB team, I hope this message finds you well. First and foremost, I would like to express my gratitude for providing this vital service to consumers like me. I apologize for the delay in reaching out, as it took some time for me to learn about the option to submit this type of request for assistance.
I am writing to share my unfortunate experience with a bank, which has left me deeply dissatisfied with their handling of my credit card accounts. To provide some context, I am a US citizen who was born abroad and moved to the XXXX in XXXX for work as a XXXX XXXX. Initially, I had no credit history, and to build it, I opened a secured credit card with the bank. Over time, I was able to open a second credit card with them, and my first secured card was successfully unsecured. Everything had been progressing well, with periodic credit line increases that helped boost my credit score.
Recently, in early XXXX, I decided to apply for a travel card from the same bank to benefit from the reward miles and travel points for an upcoming trip abroad. Shortly after obtaining the card, I contacted their service desk to activate some of the reward perks and set up auto-pay. During this interaction, I inquired about the possibility of a credit line increase to further enhance my total available credit and improve my credit score, as I am currently saving up to purchase my first home. With this request, I asked for a credit line of $ XXXX and was promptly approved for $ XXXX.
Given that the travel card required a minimum spend of $ XXXX to earn the reward miles, I proceeded to make essential purchases, such as booking my flight and train ticket, to reach this spending threshold. My intention was to adhere to my preconceived plan and make timely payments.
However, much to my dismay, not even a month had passed, and all of my cards with the bank were suddenly restricted. Perplexed by this sudden action, I contacted the bank 's support and was directed to their Fraud department. Unfortunately, the representatives were unable to provide me with substantial information, merely stating that there was a mismatch with my reported income. In response, I promptly uploaded bank statements and a letter to the Account Management team, detailing my payment plan, which regrettably seems to have gone unnoticed. To further clarify my financial position, I also uploaded a paystub confirming my reported income.
Feeling frustrated with the handling of my case and the lack of satisfactory communication, I decided to raise a formal complaint ticket, which was assigned the number XXXX. However, even after the submission of this complaint, I received no response from the bank. In an effort to address my concerns, I contacted the bank again about a week later, only to discover that they had not examined the documents I previously submitted. They continued to insist that there was an income mismatch, providing no further information or resolution. Consequently, I filed a second complaint ticket, number XXXX.
However, despite my numerous calls and documents, all of my accounts were abruptly closed without notice or an opportunity to explore potential solutions.
The overall mismanagement of my case has been highly disappointing, leaving me with a sense of unfulfilled expectations and frustration. Moreover, the handling of this situation has led me to believe that my account was flagged and closed without adequate options for recovery due to my foreign name. While I can not confirm their intentions, that is the personal experience their actions have left me with.
I kindly request the assistance of the CFPB to review this matter and help address the issues I have faced. Your guidance and support in resolving this situation would be greatly appreciated.
I have zipped up and uploaded the documents sent to the bank, including statements, a weekly paystub and the letter to the Account Management team.
Thank you for your attention to this matter, and I look forward to your assistance in reaching a satisfactory resolution.
Sincerely,
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06/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Notice to agent is notice to principal and notice to principal is notice to agent. I the federally protected consumer entered a consumer credit transaction with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX I sent Capital One and have proof that Capital received the debt validation letter sent XX/XX/XXXX sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX and placed a complaint with the cfpb XXXX who responded with a partial contract. I went through the contract and found a host of violations that Capital One committed so I sent the the 1st notarized affidavit, cease and desist, and a invoice for FDCPA Violations sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. Which Capital One ignored and sent a statement for the alleged debt. I then placed the 2nd complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX XXXX which Capital One responded on XX/XX/XXXX with the response its a duplicate complaint. Which it wasn't because the 1st time was debt validation and the 2nd time it was an Affidavit of Truth of the Federal laws and how Capital One has committed violations. I then sent Capital One the 2nd notarized affidavit, cease and desist, and a invoice for FDCPA Violations sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX which I have proof Capital One received. I then placed the 3rd complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX XXXX which Capital One responded on XX/XX/XXXX with the response its a duplicate complaint. I am aware and have proof that Capital One violated the cease and desist because they consistently ignored the specific remedies that the consumer invoked multiple times nor advised me the consumer of any specific remedies Capital One will be taking, if any. Capital One committed FDCPA violations and has not responded to either one of the affidavits with a rebutted affidavit point for point, instead they were acquiescence on the matter with both notarized affidavits. I printed out the federal laws Truth and Lending Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act and sent those to Capital One that Capital One committed and broke the language down in laymen terms on the federal laws for a person to understand. Ignorance of the law is no excuse and will not be excusable in federal court. These alleged statements come in a positive number and I'm not and will not pay on a positive balance. Debt is an obligation or alleged obligation which the word alleged means used to convey that something is claimed to be the case or have taken place, although there is no proof of such obligation because it was a consumer credit transaction. I initiated with my credit card definition from 15 USC 1602 ( l ) Capital One is an ambiguous debt collector furnishing deceptive forms and need to be legally accountable for their deceptive behavior and actions. I am demanding the agency to work with me the federally protected Consumer under the guidelines RICO, TILA, FDCPA, and FCRA. I will pursue a federal litigation if needing reinforcements on the facts of Federal law and Capital One not complying with federal law and obeying what the consumer demands. Trying to undermine and take an unjust advantage of a consumer who is well aware of legalese language and knowledgeable on the federal laws. I will stop at nothing to make sure Capital One is prosecuted for their inability to follow federal laws. I'm well aware that criminal liability comes first in Truth in Lending Act becaus congress found out corporations such as Capital One was lying to consumers about the Truth in Lending. Hence the title Truth and Lending Act, then comes civil liability in the Fair Debt Collection Practices Act. In a federal court lawsuit I'll be coming for criminal liability for an responsibile party nothing will be civil and no consideration will be accepted or negotiated Capital One. I am a harmed consumer who will take all the necessary steps to make sure my demands are met and satisfied.
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01/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XXXX a CFPB complaint XXXX was filed against Capital One. Please see attached complaint ... On XXXX, Capital One responded to the complaint and attached documents that further proves that they failed to update the address and other issues that were addressed in the prior complaint. The street address is wrong! Their correspondence which is over 20 pages long also shows that the address on the statements are incorrect. They have the street as XXXX instead of XXXX. They have not sent the correspondence that they attached to the previous complaint via US Mail per the complaint. This company has also discriminated and retailed against the account holders by restricting the account because a complaint was filed against. When attempting to log onto the app in the earlier part of XXXX, there was a {$2.00} balance left owed on the account. There was an {$8.00} rewards credit available. We attempted to apply the cash back rewards of {$8.00} to the balance 3 times, each time it said that it was processed and would post within 1-3 days. Neither time was it processed or applied to the balance. On XXXX, a payment was attempted via the Capital one app and was also rejected because the account was restricted. We have called more than 3 times to get this matter resolved and to obtain a clear understanding of the restriction. The first call, the representative stated that the account owner needed to send in a state id or driver 's license. They also advised that a letter would be mailed out explaining more details about the restrictions and the required next steps. No letter was ever received. Another call was placed into the call center in regarding not being able to redeem points that were earned on a previous bill cycle. The agent was rude, unprofessional and also advised that now the card owner needed to send in their personal information as well as all of the authorized users driver 's licenses. When advising that no correspondence was ever received regarding this. The agent said, oh well, I am telling you now. A request was made to have the {$2.00} credited since we were restricted from applying points or making a payment. He said no, I can't do nothing but I can manually take a payment. The account has since accrued interest and a late fee due to no fault of our own. We were advised that the account wouldn't close but remain restricted until every user on the account has submitted their identification. There are XXXX adults and XXXX minors on the account. The minors wouldn't have a driver 's license. Nor are they legally responsible for the account or making payments on the account. The account has always been paid in full and on time each month since it was opened with the exception of Capital One 's error of the address. he company has retaliated and discriminated against account holders for filing this complaint. Due to the complaint being filed, the company has now restricted use of the account without further explanation or reasoning. They are deeming the account fraud because a complaint was filed against them on the CFPB portal. A call was made to them regarding the new statement balance and current rewards redemptions and we were advised that the account was restricted. No payment could be made, no rewards could be redeemed or applied to the current balance! The entire account has now been restricted instead of them owning up to their own mistakes and correct them, they have now restricted the account. No payments were ever late, no fees were ever accrued, no fraud requests were ever made. This company attached documents to this complaint that are too large to download. The company needs to mail all correspondence to the address on this complaint! Not the address that they refuse to update! There has been countless attempts to get these issues resolved with this company before it resulted in a negative credit reporting, past due account and fees. We are requesting that the CFPB pursue this matter further on our behalf and/or refer us to a retaliation and discrimination attorney who can further assist.
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03/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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I attempted to pay Capital One account in full with a payment from my home equity line of credit on XX/XX/XXXX. I was told by my bank to enter the information ( routing number and account number ) from my home equity check which I did.
Capital One did not recognize the account number and it failed in their system. The electronic payment was returned on XX/XX/XXXX.
I called my bank and asked why the payment was returned. They said I had to type in a " 5 '' after the account number so that the payment could be paid electronically. On XX/XX/XXXX, I called Capital One and provided the information I received from my bank, making sure to add the " 5 '' to the end of the account number. The customer service rep at Capital One entered the information in the system.
The payment again rejected because the payment numbers that XXXX XXXX XXXX XXXX provided me were incorrect. The funds to pay the bill were available in my account.
I then walked to my bank to discuss the situation and worked with a banker named XXXX XXXX. We together called Capital One and asked why they did not accept the payment. Capital One said they would review it. I asked the banker for a cashiers check for the {$13000.00} owed to Capital One, and I sent the check in to Capital One to make the payment. It was posted on XX/XX/XXXX. My auto pay for Capital One also made payment of {$190.00} on XX/XX/XXXX.
During the time I had this account open, my account was never late. All payments were made on time for the duration of my account with Capital One, which was 9 years.
Next I received a letter from Capital One stating my Capital One account was closed due to two rejected payments. I called Capital One to ask why they closed my account and explain why two payments had incorrect numbers and a check was sent subsequently and paid the balance. The representative said I had to send in a letter from my bank explaining the situation with incorrect account numbers.
I promptly met with my banker and he provided a letter, and I uploaded it to the Capital One System on XX/XX/XXXX.
I did not hear back from Capital One regarding the letter I sent, so I called them on XX/XX/XXXX, and the representative said they received the letter and it looks like they will open the account.
I reviewed my account on-line on XX/XX/XXXX and noticed the account was still closed. I called Capital One to ask why, and they said the fraud department was closed and to call back the next day.
I called Capital One the next day ( XX/XX/XXXX ) to find out what happened to my account. I explained again the reason why the two payments failed and my previous discussions with the Capital One representatives.
The representative said they could not open the account because the bank 's letter did not admit fault, and I had four returned payments. I questioned the four payments, so the representative searched for over an hour through my past credit card statements. He found a returned payment on XX/XX/XXXX. I asked why Capital One waited five years to state that payment had been returned? And I asked where the fourth one was, and he could not find it. I have been a customer of Capital One since XXXX, which is 9 years. I have paid my account on time for the entire time I had the account.
The representative said I had to ask the bank for a new letter which states XXXX XXXX XXXX was at fault and send it through the secure link. I think I have had enough of Capital One.
I believe they base their decisions on a formula, not on the human element, which is that a cardholder is doing her best to reactivate the account, paid more than the amount due through certified funds, provided the letter they requested, is a nine year customer and was never late in paying Capital One.
Maybe they don't want to let me redeem the points I earned. I have XXXX points and when I asked for the redemption, they said no because they decided to close my account, even though I complied with their letter request, and made payments on time.
At this point, I just want to redeem the points I earned.
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02/18/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
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On XX/XX/XXXX of XXXX, I opened the CapitalOne app to check my balance and my recent transactions as I normally do, and I found that my account was restricted and negative {$1700.00}. Immediately, I called my bank and I was informed that CapitalOne had ended its relationship with me because of its " losses '' and that I would have to pay them back. Unfortunately, I was scammed out of {$1800.00} via a bad check deposited on XX/XX/XXXX of XXXX. From this event-not even being informed that my only bank account had been restricted-CapitalOne without fail has continued to disappoint me.
Bitterly, I accepted that I had to repay the negative balance, that CapitalOne restricted my accounts without informing me and that I had to hurriedly find another account to link my bills to, and I could even accept that there would be no investigation on CapitalOnes part and that I would have to file a claim with a local police detective on my own. However, there are certain things that are unacceptable from a professional organization : Firstly, CapitalOne dodged my calls by referring me to a voicemail to a department within CapitalOne where no one NEVER EVER returned my calls. I had to take initiative to call CapitalOne and again be referred to the department where calls are never returned. The only time that I was able to speak to someone was went I escalated the call to a manager/supervisor who repeated read complexly worded policies to me rather than answering my questions directly such as When will my account officially close? -because I wouldnt want to be sent to the debt collectors. It is absolutely ridiculous that such simple pieces of information took days and multiple people to get a hold of. On a side note, the some of their representatives proceeded to be condescendingly blame me for being scammed when I asked why I would be responsible for the balance if the bank did not take the time to verify whether the check was a real check. CapitalOne bank in less than XXXX hours made all {$1800.00} available although when I deposit my paycheck physically of less than XXXX dollars, it takes them several days to process to receive my money. Nonetheless, I accept that I would have to pay CapitalOne by XX/XX/XXXX of XXXX or I will be sent to the debt collectors. I let the bank know that I would be working and will have my direct deposit continue to go into the checking account to clear the balance.
On XX/XX/XXXX, I paid off the negative balance and had a positive balance of {$280.00}. According to my phone provider, since XX/XX/XXXX, I have called CapitalOne XXXX times. During one of these calls, I had spoken to a representative and she had told me that I would be able to XXXX money into and out of the account. Thus, I planned to have the {$280.00} XXXX to my new account on XX/XX/XXXX so that I could go home ( Maryland ) from XXXX. Currently, I am attending XXXX school interviews across the country- a very expensive feat ; not to mention not receiving a paycheck for about XXXX weeks to pay the negative balance put a tremendous financial strain on me. Anyhow, when I called CapitalOne on XX/XX/XXXX, I was told that they can not XXXX me the money, my only option was to wait for a check to be sent to my home in Maryland. Thus, I was left stranded in a foreign state with zero funds because I was misinformed.
Lastly ( or at least what I can remember for now ), having bank representatives give me the run around about who I could talk to next to escalate my issues with their less than savory customer service and the infamous voicemail. I had to do my own research into who I could make complaints to outside of CapitalOne because nobody wanted to release this information as if they were the end all be all. Today, XX/XX/XXXX, I called because my employer did not process transferring my direct deposits to my new bank account yet, so my last paycheck was sent to CapitalOne. I called simply to find out what happens to checks that are sent to closed accounts and they sent me to the voicemail again! Its a general question! I am tired.
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08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Dear Sir or Madam, With this message, please receive my most cordial of salutations, together with the best of wishes for you, your staff, and all your loved ones, during these challenging times. Today, I seek assistance from your agency, as exhaustive efforts have been made on my part in order to resolve this issue with both of the financial institutions, as well as the three credit reporting agencies - XXXX, XXXX, and XXXX
Last year, I attempted to apply for two secured credit cards. One was from Capital One Bank, N.A. and the other from XXXX XXXX. Given that both cards are secured offerings, I did not consider that my applications would actually generate inquiries. This was in part, due to the fact that I was on a mobile device. Nonetheless, both applications generated a hard pull to my reports. It appears that due to having no credit history, both triggered the need for additional steps to be taken. Where at one time I had stellar credit, I ended up having it ruined in the real estate crash of XXXX. For me, it was a source of embarrassment and I lost the motivation to try to plead my case with the bank.
The fact that the credit report was pulled was a matter that did raise red flags, and I attempted to have these removed. More than anything else, it is the way that these inquiries are handled, for dispute/resolution purposes, with the credit reporting agencies. Normally, there is an option on their portal where one can simply dispute it there. In the case of these secured cards, this option is not available. Instead, one is required to take the additional step of reaching out directly to the bank and/or mail the separate agencies. Where in theory this seems perfectly fine, it does create an additional challenge that is not present in a traditional credit card product.
The purpose that is both primary and universal of government is to protect the public. Credit affects one 's ability to obtain additional credit, finance endeavors, and contribute to the economy. Regulations are shaped, in a format of cause and effect and reflect the prevailing practices of the private sector. If this extra step were usual and customary for normal products and the challenges of removing these inquiries were commonplace, the public would speak and the respective government agencies would create a framework of laws that would create further protection for the public. Even in cases where the lender is not entirely to blame, and the consumer carries some degree of responsibility, that gray area is often tipped in favor of consumer protection. Coming from the actual consumer, this may be seen as a desire to have one 's way. Prior to arriving at such a position, as a seasoned traveler, I invite you to look up the Supreme Court case of United States v. Martinez-Fuerte. Here, the Court dilutes how strictly constitutional rights are to be applied at the border and within 100 air miles thereof, creating an advantage for the government. For further clarity please bear in mind that more often than not it is the other way around and may be argued, is expected to be.
If the banks and agencies held consumers this strictly to their policies, legislation would reflect this. That is to say that they too benefit from this by avoiding further regulations and benefiting from this, in specific cases which we do not hear of.
In the attached screenshot, what you will find are both inquiries and absent from them are the typical link to be able to directly dispute them on the portal. This holds true for all three agencies, and for the purposes of brevity, I won't burden you with all three. However, I do ask that you reach out to : 1. All three reporting agencies.
2. Both banks.
The policies need to be reviewed with them and this needs to be corrected.
Should you have any questions, please do not hesitate to contact me. The best way to reach me is via e-mail at : XXXX You may also write at : XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Thank you for your assistance in this matter.
Sincerely, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
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11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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To Whom It May Concern : This letter is being sent to you in response to an alleged debt received by Me from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( XXXX ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Consumer. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( XXXX ) days of receipt of this letter.
This is NOT a request for verification or proof of Consumer mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Consumer with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, this is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature & a representative/agent from CAPITAL ONE signature XXXX specifically naming your company as a person entitled to enforce a noncommercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a certified copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX is not entitled to enforce a claim against me, XXXX XXXX Furthermore, you shall cease ALL forms of communication. Indirectly & directly communication includes reporting to any credit agency about any debt or alleged debt.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Consumer credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 134XXXX ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide the Consumer with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Consumer credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from the Consumer credit file and a copy of such deletion request shall be sent to Consumer immediately. Also, consumer demands that all collection actions to referenced account # XXXX must stop immediately and you must cease and desist any and all collection efforts until proof of claim of disputed debt is provided. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] Best Regards, XXXX XXXX
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03/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have three credit card accounts with Capital One that have been closed. I believe this adverse action is a retaliatory act against me exercising my right to accept my remittance coupon and instruct it to be applied to my account for payment. For account one, On XX/XX/2023, I sent Capital One an accepted payment/remittance coupon for {$3000.00}. I also provided them with a notarized Power of Attorney ( attached below ) acting as agent to my principal 's account. I included instructions ( attached below ) to apply the principal 's balance to the principal 's account for set-off each cycle. I also included the Federal Reserve Act Section 16 as support that my instructions were lawful, with all notes being obligations of the United States. On XX/XX/XXXX, I received correspondence from Capital One Customer Care Team ( attached below ) addressed to the principals account, and not the natural person/agent who requested the written correspondence, and provided the Power of Attorney over the principals account. Capital One made the claim that You are currently listed on this account as primary account holder. As primary account holder, you have full access to the account. I believe this to be a deceitful attempt to ignore my Power of Attorney stating that the natural person is acting as agent to the principals account, by sending correspondence to the principals account and stating that the principal does have full access to the account.
On XX/XX/XXXX, Capital One sent correspondence ( attached below ) to my principals account stating, We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments you have set up using this account You are still responsible for paying the full amount of any remaining account balance and youll continue to receive billing statements until the balance reaches XXXX.
On XX/XX/XXXX, I mailed a reply to Capital Ones correspondence ( attached below ) clarifying the definitions of capacity I was acting in with the Power of Attorney I submitted. I also enclosed multiple supporting documents such as the FDIC Revised Policy Statement on Securities Lending to support my claims. I also noticed in my portal for Capital One App that the subject line for one of their letters they mailed me was Generic Letters, which led me to believe they found my instructions to be generic, so in my letter mailed on XX/XX/XXXX, I wrote a handwritten letter and clarified any confusion regarding generic letters. I requested a written explanation for my account being restricted, and informed them that I believed they were in violation of 42 USC 12203- Prohibition Against Retaliation and Coercion. I also requested proof of accounting. I concluded with giving Capital One five days to provide remedy by following my original instructions of transferring the principals balance to the principals account each month for set off.
On XX/XX/XXXX, I received correspondence from Capital One stating Thank you for contacting us about the terms on your Capital One Walmart Rewards Card account. Your current terms are listed below on the following pages : Capital One failed to provide me with a specific explanation as to why my account was restricted, or proof of accounting.
For Capital One account two, on XX/XX/2023, I mailed them a written letter stating there was a billing error in requesting me to send a portion of my statement and a check or one money order I went on to express that, Once I have enclosed and accepted my payment coupon, it should act as the payment/tender/financial instrument itself. Before I had an opportunity to mail this letter to Capital One, on XXXX XXXX they had already taken adverse action against me and closed my account ( letter attached ). They also closed my third account and sent written correspondence that was written on XX/XX/2023.
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02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
Re : account ending in XXXX account ending in XXXX Capital One committed fraud, excessive charges and fees, failure to return merchant credit, failure to investigate, inaccurate malicious intentional damage to credit history.
Ive been trying to avoid court and resolve this amicably however capital one refused on 13 separate occasions.
I found out while attempting to continue utilizing this card in 2020, however Capital one closed the accounts unbeknownst to me. Albeit, until that time every single solitary payment was timely. I called capital one and was told the payments I made bounced and because of this, the card was closed. This was not intentional or known until that point speaking to them and I found out about entering accidentally incorrect account number by one digit, and it did not go through several times. I explained to another representative this and was told nothing further to be done and they were closed. I awaited my security deposit back, knowing there was {$500.00} I gave them months ago for the secured card for account number ending in XXXX, I also received a merchant credit. Capital one never returned these funds. I was calling and sending in many letters to resolve this and find out where my security deposit was, and why this merchant credit was never issued back to me. Nobody investigated, they stated they would note and look into it further. I did not give up because I signed with Capital one to improve my credit not to destroy it and my life. I did not want to be taken advantage of and let them know they need to return my funds, and that I do not owe them anything. This is genuinely what I thought to be true and I just. Four months later I received a several page letter from Capital One explaining what happened. It was throughly investigated and they informed me the merchant credit was applied to funds I owed on the card and there was no longer any security deposit due to funds utilized. I am still unclear as to what really occurred. I do know if I was notified of what was done with the merchant credit of {$800.00}, I would not be in this mess. Nobody called me, no notation on any bill regarding these funds being applied. After I read this investigational letter and having further clarity, I immediately paid the accounts.
However Capital One was not done with me and they reported late payments to all the credit bureaus. They should not have done this and it was not under their authority since I filed a dispute on the phone with the representatives about the merchant credit not being applied. Payment was made late due to capital one not having answers for me and taking four months to investigate. After they finally looked into this, I paid immediately yet Capital one reports to credit bureaus inaccurately that I was late as if I did not have the money or was negligent and reckless with payments. This is simply untrue and what they have done is literally costing my life as my credit decreased XXXX points with the derogatory information capital one is reporting. I have 18 documents and one entire page filled with representatives I spoke to attempting to resolve this, even before it went this far, and this was not looked into until four months later.
I am requesting a deletion of this inaccurate derogatory reporting. The payments were not paid because I filed a dispute believing I was owed my security deposit back and the merchant credit. I should not be punished for this investigation not being resolved until four months later.
These payments would never have been late if I capital one informed me how a credit was applied and why my security deposit was not going to be given back to me. Capital one has accountability here as while the dispute was in process, no late payments should have been reported. The amounts I was disputing was for my merchant credit and security deposit. You had an obligation to investigate and you did, albeit four months later while reporting inaccurate, misleading derogatory information.
Please delete the tradelines ending in XXXX and XXXX.
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12/31/2020 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXX I entered into a branch to withdraw funds from my account. It was XXXX to be exact I tried to enter into the branch but the doors were locked, typically the bank closes at XXXX. I spoke to a manger at the bank and told her through the door that I wanted to withdraw XXXX XXXX out of my checking account. She then looked at me as if I was crazy. She told me that she would only be able to take out XXXX XXXX. I said ok, she then instructed me to head over to the drive through so she can withdraw the funds for me. When I got to the drive through I filled out the withdrawal slip and handed over my New York State ID. i sat there and waited for about 30 min. She started to ask me questions about me receiving Unemployment from New York and why am I receiving unemployment from New York. I told her I just moved to Maryland and that I am still working in New York part time on the weekends. She started questioning me about me receiving third party deposits in someone elses name. The names of the third parties are XXXX XXXX ( sister ), ( XXXX XXXX ), and, XXXX XXXX ( grand father ). I explained to her who they are to me and told her why I was receiving their unemployment.
She stalled for about 30 minutes and then told me she was having computer issues and then 15 minutes later she told me that she has to put a restriction on account and that I have to go into a branch to verify them. I called capital one next day to explain to follow up and I explained to the representative that something should be done and it isnt fair. That everything is blocked off and that I have bills to pay. She was nice enough to take the restriction off my checking account and apologized that she couldnt do anything about my savings because she sees that it is under investigation. Three days later I Called to follow up on why savings account and spoke with a supervisor and she instructed me that all I had to do was go into a branch have the bank teller call customer protection and verify all parties and the funds will be released to me. She told me she will make sure she notes everything that was said.The following two weeks later I walked into a branch located near and went inside with all parties to verify with all parties and the bank teller then called customer protection and we were on hold for 30 minutes just for the rep on the phone to say that whatever the supervisor told me wasnt correct info and that they have to assign an investigator to my case.
After I XXXX if I will be able to receive third party deposits and XXXX stated most banks dont allow third party deposits but if they dont the bank will reject it after I tired the unemployment for my sister and my bank diid not flag the pre note and started allowing the deposits to go through with no issue I took it as it was ok. My sister did not have an account at the time. So thats how I was receiving unemployment for her. Same situation for my brother and I then later on opened accounts for them because I couldnt keep up and didnt want conflict with someone elses money. As for my grand father hes old and I had his unemployment set up with XXXX XXXX. But when he was receiving his back pay from unemployment the restricted the pay pal account until I was able to verify it. So up until the time I was able to verify it I allowed it to go into my account which was about 2/3 payments so that he wouldnt miss out on any payments. After I had everything situated with XXXX XXXX everything went back to normal on his end.
In all everything was done so I can help some family members out I did all that I had to do ton verify and Ive been calling every week and still got no update on anything. All I am told is that I they cant release any info and that they are waiting for an investigator to be assigned to my case. Im even surprised all this is happening being that Ive been banking with them for over 10 years. All my money checking and savings were in one place.
All of my auto payments have been rejected causing late fees and rent being past due for the last four months.
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11/01/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened Ckg & Svgs Accts with Cap One Bank this yr. I got text/EM notifs about my trans.In XX/XX/XXXX I got an EM telling me to read a msg.I logged into the full site ; msgs are not avail on mobl site, a bug? The msg told me a XXXX trans had caused my acct to OD & if it cont 'd my Acct could be closed.I checked my Bank stmt & that trans was NOT there.I set up a backup card in my PP ACCT as my OD protection so it would n't happen again.It seemed to be working.I got purch, XXXX, & Dep notifs from the Bank, & notifs from XXXX when it used my backup card.I went into my Bank acct daily & made sure I had money to cover " pending '' trans & watched for OD or declined trans.There were NONE nor did I get any more " go read msgs. " In XX/XX/XXXX, I made a {$40.00} dep to pay for a {$22.00} XXXX purch.On XX/XX/XXXX I noticed that my Bal was still {$40.00} and the {$22.00} was n't XXXX.I checked the mobl app and now I had a msg at login that said I could n't WD any funds/call Cust Serv. I called & was told my Chkg Acct was being closed! The Rep said it was because I had too many trans ( all PP! ) that had hit my acct & caused it to OD! He said they had sent me msgs! I told him the only msg I got was back in XXXX & I 'd been watching my acct closely since then.I said I 'd seen NO OD 's on my stmts nor gotten notices.He said they DO N'T show OD trans on stmts! I went through my EM 's, even my Spam.The ONLY EM I found was the one XX/XX/XXXX.He told me my acct would be closed on XX/XX/XXXX.I asked him to move my {$40.00} to Svgs.He said not until the acct was closed ; it would be held in case anything came in that would need paying! I told him my XXXX Retrmnt Chk ( almost {$3500.00} ) was auto-deposited in that chkg acct the XXXX of every mo! He said they would reject the Chk & send it back! I told him it would cause me severe financial problems! I would n't be able to pay my mortgage or any bills! He said to call the issuer ; tell them to stop it.He was rude. I contacted XXXX & was told it was too late to stop it.They said I was prob looking at a delay of 2-3 weeks! I contacted all my creditors & informed them I 'd be paying my bills 2-3 wks late & I 'd have to provide new Bank info to them.And get this-when I checked my EM that day AFTER talking to the Bank Rep, NOW there WAS an EM telling me to check my Bank msgs.On XX/XX/XXXX, I checked to see if my {$40.00} had been transf to my Svgs after closing my acct ( XX/XX/XXXX ) .BUT it was still in Ckg! I called the Bank.They told me my acct would be closed on XX/XX/XXXX! That 's not what their msg or Rep said! I was told XX/XX/XXXX! They changed the closing date and did n't notify me! I asked her-If it wo n't be closed until XX/XX/XXXX, will my paycheck be deposited since it will come in before XX/XX/XXXX? She said yes & they should move it to my Svgs Acct like the {$40.00} as the request stated on file.She said I could then WD it from Svgs or transfer it to my PP acct.She must have verified my paycheck with a Supervisor because she next apologized, saying that my paycheck WOULD be rejected & ret 'd even though it would come in before XX/XX/XXXX. I asked why & she said-because they were not going to process ANY trans in or out. I asked what they were holding my {$40.00} for XXXX did n't XXXX then told me she agreed with me about everything and was truly sorry.She said she had it happen to her and had handled many unhappy customers under these circumstances.SO-1 ) Why is n't this Bank required to post ALL trans, includ neg or OD info on their mobl and full site? 2 ) Why are WE penalized if a merchant TRIES to process a trans that the Bank did n't even pay when we made backup arrangements? 3 ) If we 're notified verbally & in writing of an acct closing date, HOW can they CHANGE the closing date & not notify us? 4 ) If their OWN written rules specify paying any " pending '' trans up until the closing date BEFORE closing the acct, WHY are they deciding WHAT to pay or reject before the closing date? Like my paycheck or a {$12.00} trans ( both came in XX/XX/XXXX )? An
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02/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One closed both of my accounts for non activity and is still harassing me to repay the credit card agreement/promissory note when the the two accounts have already been paid in full.
Capital One is asking for repayment ( to pay again ) with Federal Reserve Notes, Debit, and Money Order which are all debt instruments. Federal Reserve Notes are a promise to pay money, therefore it can not be money. Federal Reserve Notes are a promise to pay money, what we call cash. If a promise to pay money is cash and is treated as cash, on the books of the banks, did i promise to pay money in regards to the credit card agreement, yes or no? I know the answer is yes, I do promise to pay money or I agreed to pay money ; the instrument that i electronically signed ( Capital ONe does not have a record of the application because it was done online ) was treated as cash, because it was a promise or agreement to pay money.
Who has to hand cash first when dealing with banks? I had to hand over a signed document to Capital One first before anything else could happen, meaning granting me the credit cards that I applied for. How can I pay for anything with a promise to pay?
Not knowing, but when I signed a credit card agreement I actually made a deposit, which is a loan to Capital One. The promissory note was turned into a negotiable instrument. Capital One could not make a book entry unless I created the agreement, by putting my signature on it. This is a misrepresentation as they failed to disclose that the agreement that I signed became a valuable instrument. Capital One failed to disclose that I was accessing my own account and confirming that this credit limit was created and derived by me. Instead of asking me for repayment ( to pay again ) Capital One owes me the face value of the agreement. Capital One will make money on my signature when the agreement with my signature hits 9 months and it becomes a security which is an asset to the bank.
Since the alleged debt was paid in full, I have sent a 1099-A and 1099-OID to show who is the true lender and recipient of the funds. They can not deny this as banks don't loan any money. I am the true creditor, grantor, settlor, maker. The minute they sent me a coupon which is a money order, they tricked me into becoming the trustee and liable for a fake debt.
Capital One is taking part in inducement, concealment, theft - taking the credit card agreement with my signature and claim that there is no record of it because it was done online. They are involved in extortion under 8 USC Section 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than five years, or both. If the violation affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both.
This credit card debt for both accounts was paid in full and a promise to pay is a security, in contract law would be void.
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12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX, I was notified by my credit card company that Capital One Auto Finance had put an inquiry on my social security for an auto loan. I immediately flagged the inquiry as fraud as it was not requested by me. I've lived and worked in XXXX all my life, this account was in XXXX. A fraud alert was then put in place with all three credit bureaus that same day.
on XXXX XXXX I received a Fraud Claim package from Capital One requesting all sensitive personally identifiable information for my identity ( full name, current and previous addresses, three samples of my signature, social security number and copy of the social security card, DOB, Driver 's License number, signed Affidavit of Fictitious Account, signed Authorization for the Social Security Administration to Release Social Security Number Verification, and copy of police report to be mailed or faxed to the address and number provided in the letter to enable them to investigate my fraud claim. I was doubtful about the authenticity of the request and attempted to call Capital Ones Risk Management office, left messages, however they have not responded. The Fraud officers from my credit card company were also doubtful of the authenticity as the letter requested my personal information be mailed or faxed, noting that usually such sensitive information is not handled so lightly.
In late XXXX I received another copy of the package from Capital One, again requesting all personally identifiable information be faxed or mailed to the number or address provided. Due to this being a case of identity theft, I was not comfortable filling out the package and mailing it or faxing, especially without talking to someone and validating the request. I then filed a ( identity theft ) police report with the XXXX XXXX XXXX Department, who also attempted to call Capital One Auto Finance, but they were also unable to get reach a person to discuss the matter.
Since late XXXX, I have called Capital One Risk Management Department many times, leaving messages, taken days off in hopes to hear from them, called their customer service department many times but was provided inconsistent information ( e.g. they do not have a department that handles fraud, they are unable to provide me any additional information as to what to do next, they want me to provide every information requested and fax it back, they hang up on me, they do not know if I should go to a branch in person to resolve the issue nor do they know who I can talk to about my issue at a bank branch or at Capital One Headquarters ).
In XXXX, I was notified by XXXX that a new account had been opened with Capital One Auto Finance for {$41000.00} for a XXXX XXXX XXXX. I worked with XXXX to dispute the account, along with information associated with it ( e.g. California address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and employment with XXXX in California and a California phone number ). XXXX was able to resolve the dispute with the California phone number and employment at XXXX, but not the auto loan account nor the California address citing that Capital One requested that I work directly with them.
In XXXX, Capital One customer service called me everyday for two weeks to notify me that payment was late and if not paid, they would repossess my vehicle, in which I repeatedly stated that this loan was a case of identity theft. Despite the daily calls from customer service, no one was able to sync me to a person from the fraud/risk department, when they do transfer me, it goes straight to voicemail stating that I should receive a call back within 48 hours. In late XXXX I learned that a monthly payment was recently paid, therefore I stopped receiving daily calls for late payments.
From late XXXX through XXXX XXXX, XXXX I have made countless attempts to reach them, waited on the phone for as long as possible, left messages, provided a specific day/time I will make myself available, even taking days off work. In total, Capital One Risk Management returned my calls 3 times during those months.
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05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Request for Verification of Debt Balance, Verification of Commercially Reasonable Sale and Accuracy of Credit Bureau Reporting Practices I am writing to once again to request a deletion or validation of Capital One Auto Finances ( COAF ) credit bureau reporting practices. Please see details below and the attached documentation for reference.
XX/XX/XXXX I financed a car for my son from Capital One Auto Finance ( COAF ) XX/XX/XXXX I made the last monthly payment on the account but still had a balance on the account.
XX/XX/XXXX XXXX sent me a Notice of Strict Enforcement of Contract Rights indicating a {$15000.00} balance.
XX/XX/XXXX The car was repossessed by Capital One Auto Finance ( COAF ) XX/XX/XXXX COAF sent me a Notice of Intent to Sell that included a Reinstatement and Redemption Letter indicating I could get the car back for {$16000.00}.
XX/XX/XXXX COAF sold the car for {$4500.00}. I am requesting validation that the car was sold at a commercially reasonable market value.
XX/XX/XXXX COAF sent me an Explanation of Calculation of Surplus indicating a {$12000.00} surplus on a {$16000.00} loan whereby {$4500.00} was collected for the vehicle and fees totaling {$990.00} were being charged to me resulting in a total surplus of {$12000.00}.
As of today, XX/XX/XXXX, COAF uses unfair practices and continues to report inaccurate information to all three credit bureaus on my behalf as outlined below and contradicted by the documentation provided to me by COAF ( attached ).
1. I am requesting that COAF correct the date of last payment on this account to XX/XX/XXXX as indicated on the attached documentation provided to me by COAF. COAF actively and inaccurately reports XX/XX/XXXX to credit bureaus as the date of last payment on the account. This will extend the amount of time the negative account stays in my credit file.
2. I am requesting verification that reporting late fees EVERY month for 7 years on an account that has been charged-off is aligned to statutes, laws, regulations and policies guiding fair credit reporting practices. COAF consistently reports late payments on this account EVERY MONTH to all three credit bureaus for a total of 54+ late payments on my credit file. The last late payment reported was XX/XX/XXXX.
3. I am requesting that documentation sent to me for validation of this loan be resubmitted AND include clarification and explanations for all codes, records, transactions, etc. specific to COAF. The documents submitted previously were incomplete and include codes and transactions that are not easily understood by a non-COAF employee. Most importantly, the final account balance on XX/XX/XXXX is clearly {$9900.00} per the attached, yet COAF consistently reports a balance of {$11000.00} to all three credit bureaus. How was this amount calculated?
4. I am also requesting verification that the car was sold at a commercially reasonable fair market price. The car was purchased for {$16000.00} on XX/XX/XXXX. COAF sold the car for {$4500.00} on XX/XX/XXXX. How was the sale price calculated? This information is needed to verify the balance on the debt and adherence to statutes, laws and regulations guiding the sale of a repossessed car by a lender after repossession.
5. Lastly, I am requesting all documentation and records related to this account including, but not limited to documentation, communication, notes, records, clear transaction history that includes an explanation of all notes and codes to afford me the right to verify the amount COAF claims I owe and that all statutes, laws, regulations, and policies related to this case have been followed.
If the information requested can not be provided within a reasonable or mandated timeline, I am requesting that this debt be removed from my credit files permanently. Historically, this company has consistently made errors when reporting my credit history to all three credit bureaus. Spending time validating and verifying the debt collection and credit reporting practices of COAF has become costly and time consuming.
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04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
|
On XX/XX/XXXX & XX/XX/XXXX I tried the option to freeze a flight price at the capital one travel website. My first attempt was to freeze a flight from XXXX to XXXX. I received confirmation and was advised the price would be frozen for 14 days. I froze the price with the understanding that once the freeze expired, capital one would book the fare or id have a credit to use for future ticket purchases in the portal. If I recall, the frozen price was a percentage of the fair and I paid {$20.00}. When it came time to book, I'd be paying the balance of the fare that remained.
Because of the ease of the service I did a second freeze for a different flight. This time for XXXX travelers and to a new city. I had the understanding that the experience would be consistent to the experience from the day prior thus I had no concerns making a deposit towards my trip and paid {$96.00}.
Fast forward to booking time and I logged in with the 14 day time frame to pay for my trips. I was SHOCKED to see that my flight frozen from XX/XX/XXXX had expired but my flight from XX/XX/XXXX was still good through XXXX. I panicked because I knew I had followed instructions and had already been charged {$96.00}. I was unable to find any resolution online so I called customer service. I explained my situation and advised I must have made an error. I requested a refund in good faith and advised I was a first time user and had no idea I had forfeited close to {$100.00} to capital one due to a human error. The representative demonstrated no empathy for the situation so I requested to escalate and speak to a XXXX. I had again no help from the XXXX and hung up frustrated and confused.
A few days later ( XXXX ) I went back online to book my trip from XX/XX/XXXX. This time around I did not want to experience the same fate so I logged on to reserve my flight. When I signed in, ONCE AGAIN, my freeze had expired!! I was furious because once more, capital one had profited {$20.00} from me due to my human error or their unclear business practices.
To make things right im requesting a refund of these charges from cap one. Furthermore, My grievance for this experience is as follows
: 1. The cfpb must investigate and review the high " fees and penalities '' cap one is charging customers who use this service. The fee is too high and should be capped at a certain amount if the client will be penalized once a price freeze expires.
2. Capital one makes no good faith attempt to notify clients that a freeze is due to expire and service fees are immeninent. The same way clients get alerts and reminders for when money is owed to the bank should be offered to clients when the bank will be imposing a fee. XXXX hrs minimum notice would be helpful.
3. The inconsistent practice of having some freezes for 14 days and some for lesser days is confusing to customers. The 14 day timelines are whats advertised making it misleading to customers who fall into the trap of bait and switch advertising.
4. The cutoff time for when the freeze expires should be at the end of the day vs some arbitrary time. When my freeze had an expiration date of XXXX I expected to have until end of day on XXXX to book the trip. It baffles me that once again I fell for misleading information when trying to use this service.
5. Capital one should allow customer service agents to exercise judgement when mistakes happen. Especially for first time users of a fee based service. When I explained my situation and concerns about the service, the representatives were robotic in their responses and made no effort to assist me. Minimally if they can not refund me the fees charged they should have been able to issue credit to me towards my next travel portal purchase. Instead I felt robbed, deceived and mislead. Worst of all I was less {$120.00} which is an unreasonable penalty for anyone trying to use a travel service.
Cfpb please do the right thing for customers and research this matter. I appreciate any help with a refund or making things right in the future for others.
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06/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I entered a payment arrangement with this company after they harassed me and called me at all hours of the day, and subsequently threatened legal action and then started legal action. They would not initially identify themselves when they first started calling me so I never responded. When I was notified of legal action, I reached out to XXXX XXXX XXXX , XXXX - XXXX and was notified of the debt. They told me I had to pay the full amount {$2700.00}, which I could not and then they said I could try and enter a payment arrangement if I paid {$190.00} at the time of the call and then subsequently {$100.00} a month until the debt was paid in full. I agreed to pay the {$190.00} and then {$100.00} a month following that on the XX/XX/XXXX of every month. They stated that legal action would stop so long as I made my payments on time and that if I defaulted on payments legal action would continue and a judgment would be entered against me which could result in me losing my job possibly, according to them. I said okay, and paid. I paid {$190.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I checked my credit score at the beginning of XX/XX/XXXX and it showed they were still reporting the balance owed of {$2700.00}, and were reporting that I had not made any payments. It stated on my XXXX credit report that the last time they had updated information was in XXXX of XXXX. I called XXXX XXXX XXXX , XXXX - XXXX in XXXX and asked if they could update the debt to reflect the accurate balance and that I had indeed made three payments at this point. They gave me the run around and transferred me and gave me different phone numbers to call and after 2 hours, I was told no one was trained on " Credit Reporting '' and that they would not update the correct balance or payments until the balance was paid in full. They could not give me any assurance of when that would be reported or if it would officially be reported to Credit Bureaus or just reported in XXXX XXXX XXXX , XXXX - XXXX systems. I was told not to dispute, just to be patient and keep paying as I had agreed or legal action would resume. I was told that they could see in their records that they were aware they were reporting the incorrect balance and inaccurate payment details and they showed the last time they had updated or reported anything about the debt was 5 months prior in XXXX. I then contacted XXXX and disputed this debt as they were reporting inaccurate balance amount and inaccurate payment history of the debt. I was notified on XX/XX/XXXX that the dispute was successful and that the debt was being deleted from my Credit Report and my Credit Score went up. I called XXXX XXXX XXXX , XXXX - XXXX and informed them of the dispute and that the debt was deleted from my Credit Score and I asked if I was still legally required to pay the debt. They would not answer me and laughed at me twice. They asked me if I only pay my debts when I'm forced legally or if I pay out of moral responsibility. I asked multiple times, " Am I legally required to keep paying now that the debt was disputed and removed from my Credit Report '' and they would not answer. The first agent I spoke with offered right away after her system showed that the debt was disputed, to cancel my payment plan, and I asked again, am I still required to pay, or not, since the debt was deleted and disputed, she would not answer. I was transferred to two different supervisors and after 1.5 hours, I was told if I didn't continue to pay, they would restart the lawsuit, possibly garnish my bank account and that I would have a judgement entered against me, but would not answer if I was legally required to keep paying on a deleted debt. They would not answer and kept repeating the question to me " do you only pay bills when you are legally forced ''?. They would not answer me and after so long, and speaking with two supervisors, who would not give me their real name, I gave up. I still do not have any answer and don't know if I'm supposed to keep paying or not.
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08/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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on XX/XX/2021, I went to XXXX XXXX XXXX XXXX to purchase an automobile for myself for my family to be able to get around. I applied for the XXXX XXXX as told to do by sales associate. I was advised that I was approved but I would have to pay a down payment in order for it to be approved. I was told that I MUST obtain insurance for the automobile and that they would register it for me, and add the charges into the total cost. I had to wait 2 days to pick up the automobile and in the mean time had to find and pay out of pocket for insurance of the automobile. On XX/XX/XXXX, I received in the mails an attempt to collect a debt from Capital One stating they are the Creditors and I owe them from an alleged debt that claim I owe. I sent a validation of debt letter certified mailed as well as cease and desist due to the harassment or phone calls, emails regarding this matter. Now they are fraudulently calling my consumer transaction a loan, which documents show was from the seller XXXX XXXX XXXX, no money was ever given to myself by Capital One. I was also charged a " finance charge '' which is supposed to include insurance of the consumer good if it is required as they advised me it was before I could obtain such goods. XXXX XXXX XXXX also would not approve me for a certain amount unless I put down a down payment, but after I was able to successfully purchase additional warranties for the consumer good which increased the total sale price after being told I would only be approved for a lower amount. Now Capital One has since mailed multiple letters advising That I, a consumer, for the purchase of XXXX XXXX from XXXX XXXX XXXX, owe a debt and if not paid, will result in repossession as well as negative consumer reporting actions. I sent by certified mailing on a validation of debt, an affidavit, as well as a cease and desist. Capital One claims to be the creditor but also states they are attempting to collect a debt, but the " retail sales contract '' which is actually a XXXX XXXX transaction states the seller/creditor as XXXX XXXX XXXX, and Capital One Auto Finance is not mentioned, they have used deceit and undefined terms to attempt to collect a debt and also fraudulently claim interest with no value given. Capital One does not have any judicial judgements against me and therefore have no actual claim as They are not the original creditors in this matter and are not the holders in due course and if so has not shown me to be. Also, calling it an auto " loan '', as this is a XXXX XXXX transaction evidenced by the " Finance charge '' which is supposed to include cost of insurance as well which they said I MUST cover. Capital One Auto Finance is claiming to be the creditor, however by definition 15 USC 1602 they did not sell the XXXX XXXX. They are bankrupt according to law and therefore can not lend money, nor other peoples money. If they are indeed the Original Creditor, I was not provided full disclosure and they have willfully misrepresented the facts of this matter. Capital One in the midst of this has violated multiple of consumer rights shown with exhibits. I have received multiple calls, I have a recording of a representative telling me I owe the debt and that I have to pay, using profane language, and falsely stating capital one gave me the money to buy the consumer good. On XX/XX/2021 I mailed by certified mailing # XXXX XXXX XXXX XXXX XXXX a validation of debt request, cease and desist and affidavit as well as an invoice for the current amount due from the current violations my my consumer rights. I do not understand Capital One 's Role in this matter, I do no consent to their proceedings and do not consent to them continuing to abuse my consumer rights. They are attempting to collect a debt and are now using methods that have violated my consumer rights. They have no provided any value or consideration to be able to enforce a security interest, they have not acted in good faith, and continue to threaten repossession and possibly taking legal action which is a violation in itself.
|
03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
Date of Fraudulent Activity : Saturday XX/XX/2020 around XXXX EST Amount : Back-to-Back withdrawls for {$500.00} ( inc. fee ) each for a total of {$1000.00} Actions by Me : 1 ) Called customer service on Saturday XX/XX/2020 as soon as I saw the two fraudulent charges in order to a ) cancel the card and b ) submit a claim for recouping the stolen funds -On this call I was told the bank would open an investigation, request security footage from the bank that operated the ATM where the fraud occurred, provide a temporary credit, and respond with the outcome of their investigation 2 ) On XX/XX/XXXX, I call customer service again to appeal the declined claim. Escalate to a supervisor who repeats the same " there's nothing we can do '' response and offers no alternative pathways to resolution.
-On this call with the first rep, it was strongly hinted that I would have had more luck had I said the card was stolen initially.
-Capital One refuses to work with me or conduct additional due diligence so I immediately ask to file a new claim changing my statement that the card was in my possession.
-A new claim is opened 3 ) On XX/XX/XXXX, I file a report with the XXXX XXXX XXXX police department and am told that chip cards can indeed be hacked and there have been many cases of this in Florida . Police case # XXXX. Note - I do not live in XXXX and so I will not be able to obtain a hard copy of the report before I leave back to XXXX, OK.
4 ) On XX/XX/XXXX, I call customer service yet again ( third time ) to appeal the declined claims. I receive the same nonchalant responses and that nothing can be done. I escalate to speak to supervisor who provides slightly different information about my case than all previous reps and supervisors. Still, Capital One is not willing to compromise, conduct a real investigation, nor provide adequate justification for the denial. I continue to push to speak with the investigator and finally speak to someone more involved with the " diligence '' process at the bank. I am told they can not re-open the claim but that they can escalate one more time to have the investigator take another look.
5 ) On XX/XX/XXXX, I speak to a new rep who says " theres nothing else we can do '' and that I can try to send the police report to see if that helps at all. I explain that I do not have the copy of the report but I do have the report number. I also explain that the reports dept of the XXXX police department was considered non-essential and was therefore closed with no timetable for return. I am met with the same " not much we can do for you sir '' response that seems to be all they are trained to say. I also explain that Capital One is leaving me with no option besides making this an official legal matter ... i receive the following response " if you decide to pursue legal action, that is your right ''. I tell them i will send the police report number now and, if able, the actual report. I ask if I will receive a response, decision, or follow-up. The answer I receive, a flat out " thats not our policy ''.
6 ) I send an email to Capital One 's claims dept ( XXXX ) with the police report number but not the actual report, because of what I stated in # 5 above.
7 ) I file a complaint with the CFPB Actions by Capital One : 1 ) Responds to claim on XX/XX/XXXX with a decision to deny the claim stating that " Our research shows this transaction occurred with a chip card at a chip-enabled terminal. '' 2 ) Responds to claim on XX/XX/XXXX with a decision to deny my claim again. This time stating " We finished looking into your claim and didn't find an error. '' -Each time a claim is denied, i lose the provisional credit and my account is short $ XXXX 3 ) On XX/XX/XXXX, I see that the provisional credit was yet again removed from my account. I am down $ XXXX yet again. I do not receive any notice that my case is closed or that the escalation didnt result in a change of decision. I had to call on my own to ask what the status of my case was and reexplain the whole ordeal to a new rep.
|
01/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
Capital One Bank is terrible. My debit card was compromised and used at an ATM last Wednesday, XX/XX/XXXX. I immediately called to report it, and customer service gave me a credit while they " looked into '' it, but said because there's a chip in my card and it was used at an ATM that the dispute would take 10 days. 4 days later I got an email saying that my claim was denied because it was a chip transaction and that there's no way someone could commit fraud on my card.
When I called customer service for about the 4th time, they basically said I was a liar, saying they have special " technology '' that shows that my card ending in XXXX was there making this transaction - when I was on my way home from work, miles away from this ATM location where I supposedly took money out of. This ATM I supposedly used is about 11 miles away, and I'd never used it before. The person I spoke to argued with me, saying nothing can be done. It doesn't seem like there was any actual investigation done to corroborate my claims, and I know for a fact that an erroneous charge with a chip card can happen because it has happened with XXXX XXXX a couple of years ago and they corroborated my claim.
This bank is negligent, doesn't care about its customers when they report real and actual kinds of fraud, and isn't honoring the fact that my money is supposed to be insured. They just kept telling me about this " special technology '' that their chip cards have.
On XX/XX/XXXX, I noticed another fraudulent transaction on my account for {$100.00}, from the same ATM in XXXX New York, even though the card I'd reported was supposedly canceled. I called and the bank said that a new card was sent and activated, and said they'd get me over to the security department to resolve the issue. I waited on hold for about 15 minutes, and they told me that they would be canceling my account because I am a " risk ''. I called the XXXX and they themselves were incredulous about the actions taken by Capital One.
I want the {$580.00} back plus more for the emotional stress this has caused me, especially around the holidays. I had bills to pay, and not to mention plans with family and friends and this situation ruined them. Capital One lacks the means and the resources to prevent this and I'm offended that they think I would commit fraud. I work a full-time job in XXXX XXXX. I work for my money and this isn't fair. I tried to ask for help numerous times - I tried to tell them what happened and I've done everything right- this isn't my fault. Either this bank is complicit or just negligent. Either way, they need to be held accountable.
I simply did not go 11 miles out of my way to make these purchases at an ATM in a city I never go to.
Heres where it gets worse. The bank is lying when they say that the chip card that was used was in my possession at the time. On XX/XX/XXXX, I went into the bank branch and they told me that none of the purchases made at this ATM were made using the only debit card in my possession, the one ending in XXXX. In fact, they sat down with me, looked at my account and apologized for the incompetence of the online banking trust and safety team, because it was clear to them that these purchases were out of the ordinary and not made by me. However, since this is a 360 account, the only people that can rectify this situation are only reachable by phone and refuse to help.
The branch manager at XXXX XXXX said that the bank had some sort of a security issue, and sent me a new card randomly. I never requested or got this card. This was the card that was used for these erroneous purchases.NOT the one in my possession, which is the lie that is the basis for them denying my claim. They also will not give me the required affidavit for fraud that the police requested numerous times in order to file a police report, yet they told me I should file one to help with my claim.
Clearly this bank is trying to avoid liability for something that was not my fault. This needs to be rectified immediately.
Best, XXXX
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11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Capital one approved me for a credit line in XX/XX/2022. Upon which, I selected my XXXX XXXX account to act as a primary source of funding. Unfortunately there was a fraud situation with the XXXX XXXX account that forced a couple of payments to be returned to capital one without my knowledge. Once I realized the situation had occurred I immediately reached out to capital one to fix the issue. I needed to communicate with capital one what had taken place on my XXXX XXXX account and I needed to regain access to my account because it was showing as restricted. I spoke with XXXX representatives during the month of XX/XX/ 2022. They advised me that not only was my account ending in XXXX was restricted, but that it was also closed. This was unbeknownst to me. Capital one never told me my account had been closed. The first representative took the initiative to reach out to XXXX XXXX Upon doing so, The capital one agent collected the necessary information they needed to proceed in the necessary steps to regain my account access. One of which was to un-restrict my account access that had been limited prior to. Once that first step was completed successfully, The agent advised me that the next step would be to submit their notes/recommendation to reopen my account to a senior account specialist and guaranteed that my account would be reopened. But first I had to complete corrective payments to my capital account. The capital one representative also advised me that these payments would fix the returned payments that had taken place. The representative again assured me that my account would be RE-OPENED. Finally, the capital one representative gave me the instruction to call back in a few of days so that the company may validate and process the corrective payments. I called back in a few days and spoke with another representative. The XXXX representative told me that they saw my payments were posted and that I would be ELIGIBLE to reopen my account based on their investigations. The representative advised me that I would get a final decision in 7-10 business days. Over 25 days had passed and I received no communication or response on the status of my account. I reached out to capital one in XXXX. The representative I spoke with in XXXX told me that no one has escalated my account to a senior representative as of yet and that my account was not under review at all. The representative told me that they are just showing that my account is closed but can see notes left by the XXXX previous representatives about submitting my account for reopening. Next, I patiently waited for a senior representative to come on the line. This representative was very disrespectful and unhelpful. This senior account specialist I spoke with in XXXX of 2022 has caused me mental and physical health issues due to the treatment I was forced to endure. I was denied my full rights as a loyal capital one customer and was talked to and demeaned in such a horrible way. By the end of the call I was in tears. The representative indefinitely closed my account as I learned today, because of non factors that related to the terms and conditions of my current account ending in XXXX. This representative went to extremes to humiliate me and brought up old accounts from more than 7 years ago to base his decision upon. This was done by this account specialist because he had no way whatsoever in following the previous recommendations from the XXXX previous representatives I spoke with. My account was closed. But as of today XXXX/XXXX/2022, my account ending in XXXX is still showing up as open but restricted on the capital one app when I log into it. I am also still receiving cards with this account number in the mail. I also called today XXXX/XXXX/2022, they are still not willing to consider my account for reopening even though I am still making on time monthly payments on my balance. I asked if I could be submitted for another review and was denied based on what ever the unprofessional specialist I encountered wrote in XXXX of 2022.
|
07/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
On XX/XX/2020 I, XXXX XXXX purchased in-store XXXX cartridges ( cartridges ) from XXXX grocery store on sale for {$32.00}. See credit card statement/receipt. When I purchased this item XXXX return policy allowed for customers to return any item at any time to any of its stores.
However, after I discovered that my cartridges were defective I attempted to return them back on Sunday, XX/XX/2020 to XXXX grocery store located at, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, tel. XXXX with my original receipt. I spoke to a female store manager who said its return policy changed because of a coronavirus, where now produce can be accepted to be returned though products could not. Despite that XXXX may of changed their return policy after I made my purchase during which you could return anything at anytime to any its stores they refused to accept my return which I had clearly explained was defective. Moreover, while she was explaining herself she was coughing profusely near me and telling me that she can not accept my return.
On XX/XX/2020 i placed a dispute on this transaction with my credit company, capitalone. capitalone credited me {$32.00} claiming in a letter they sent that they would seek a response from this merchant that i had purchase from and would notify me if they require any response from me. see attached.
On XX/XX/2020 i received another letter from capitalone dated XXXX XXXX, 2020 which appears have taken 15 days to get to me and allowed only 6 days to respond all while they had rebilled my account {$32.00} on this dispute. Despite this short window to respond that capitalone provides, i timely faxed in my response letter on XX/XX/2020 along with supporting documents including a copy of my original receipt, and pictures of my merchandise. moreover, in capitalone 's letter dated XX/XX/2020 it appended a letter from XXXX, a subsidiary of XXXX grocery store claiming that i purchased this product online and have 6 months to return it ... see, capitalone 's letter dated XX/XX/XXXX, XXXX in my response letter dated XX/XX/2020 i refuted XXXX XXXX false claim that this was ever a online purchase and was in fact purchased in store by providing a copy of my original receipt and provided a letter stating that i had timely attempted to return my merchandise, with my original receipt to XXXX grocery store and was declined. also, i provided exactly when & where i went to return it, a telephone number, and who i spoke to.
By letter dated XX/XX/2020 from capitalone they deny my dispute stating, it requested information/documents during its investigation, that if i returned the 'installed parts, ' then i should provide when and proof of return/date they were made available ... see, capitalone letter dated XX/XX/2020. However, my dispute and capitalone 's investigation never involved any 'installed parts. ' in fact, i clearly identified with photo images and a letter of exactly what i was disputing. moreover, capitalone 's letter dated XX/XX/2020 claims to have received my response, but purports that it lacks all previously requested information needed to validate my dispute. see, capitalone letter dated XX/XX/2020. As this agency can clearly see i provided them with competent evidence/documents/letter sufficient enough that they could validate my dispute, including that this matter had nothing to do with 'installed parts ' or an 'online transaction. ' additionally, capitalone failed to identify what it performed in its investigation or what specifically was lacking from what i produced.
Last, i would argue that capitalone does a terrible job at investigating and reviewing complaints in an effort to deny consumers who have been wronged by merchants involving transactions with a number of errors. Also, calling them you can't always get through to them and wait times are very long ( longer than 1 hour/get can't through ). After receiving capitalone 's letter dated XX/XX/2020 i attempted to speak with them about there decision at this telephone number XXXX, but all i got was a recording.
|
07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
XX/XX/XXXX - submitted an over the phone application for a Capital One " XXXX XXXX '' card. XX/XX/XXXX - verbally notified by Capital One representative that my card application was approved and that I would receive my new card within 5-10 business days. XX/XX/XXXX ( est ) - I received a call directly from Capital One 's " Fraud Department '' requesting me to call them back regarding my credit card application. XX/XX/XXXX ( est ) - I returned the call to Capital One 's " Fraud Department ''. The agent indicated that they needed to verify that I was the individual who had applied for the credit card. I indicated that I was. However, they requested additional information, including my full social security number. I indicated that I was very uncomfortable with that ( i.e. refused ). The agent then suggested that I could call back when I rec 'd my card and provide the card number to " verify '' instead. XX/XX/XXXX - XXXX rec 'd a " welcome '' letter ( dated XX/XX/XXXX ) from Capitol One providing confirmation that I had been approved for a XXXX XXXX card. XX/XX/XXXX - XXXX rec 'd an email confirming that my new Capital One XXXX XXXX card had been shipped to my address. XX/XX/XXXX - My new Capital One XXXX XXXXXXXX credit card arrives. XX/XX/XXXX - I follow the instructions to open my Capital One on-line account and activate my card. I notice that some of my profile information can not be edited for purposes of two-step verification, etc. I call the customer service number on the back of my card and appear to be AUTOMATICALLY transferred to their fraud department. The agent informs me that I must submit the following personal information to them in order to continue to have access to the on-line account I just set-up and to activate my new card. This information includes : 1. A physical copy of my driver 's license 2. A physical copy of my SOCIAL SECURITY CARD 3. Proof of residence. I explain that I am not overly concerned about providing my DL and proof of address, but that I am EXTREMELY concerned about providing anyone with a physical copy of my SS card - no one has every requested this outside of the US government that I can recall. I also explain that I am alarmed by the idea that my profile is triggering some sort of fraud alert. I ask if they are required to provide more information that would help my understand why this is occurring, or the source of this fraud alert " flag ''. They indicate that have no access to such info, but only know that the " system '' says that they need this. They indicate that this is standard procedure, but I know this is false as my wife just opened a credit card account with them and had no such requirement beyond all that is typically provided during the application process. I hope to address three things via this complaint : # 1 If I have something on my personal or credit profile that is causing a fraud alert in the financial systems, I want to clear it up immediately to avoid future issues - I need to know what source is being used and who I can contact to resolve this. # 2 If asking for a physical copy of a social security card is as intrusion and risky as I suspect it is, I think Capital One ( and other banks ) should be heavily discouraged from making this request- it could lead to people being less guarded in doing so. # 3 I'd like to get my account active with what my approval was based on. I provided significant personal data including my social security number and access to my credit report. I'm extremely disappointed that these demands are being made by Capital One AFTER being approved ( and receiving the physical card ). I'm extremely concerned that they are actually requesting a physical copy of my social security card. I'm frustrated that they can provide no insight into why exactly I am being flagged as a fraud alert so that I can work to understand or resolve any variable that is causing this- I am unaware of anything in my long credit history that would explain this outside of some attempt of identity theft of which I am unaware.
|
11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
Capital One Case Number XXXX On XXXX, Capital One sent out a letter telling me that all of the charges on my account from XX/XX/XXXX through XX/XX/XXXX were marked as fraud. I received that letter on XX/XX/XXXX and was totally confused. This was all a mistake by Capital One and/or a glitch in the system when everything transfered from former XXXX 's accounts to Capital One accounts. None of these charges were fraud. I repeat, this was a mistake by Capital One and this has been confirmed to me on multiple occasions. And I never saw any credits on my account for any of these charges, so I had no clue this had happened.
Two days later, on XX/XX/XXXX, I started receiving phone calls from merchants informing me that my payment for that period between XX/XX/XXXX and XX/XX/XXXX had not been received. In the subsequent days, my water got shut off, my XXXX, internet, alarm, and gym account all got canceled or suspended, my XXXX account was locked for 6 days, and my electric bill got bounced back ( plus a {$25.00} late fee ). I had to pay all of these bills again. I already paid them the first time on my Capital One statement ( previously XXXX 's Visa ). Now I had to pay them again.
When I called and tried to sort this out, someone started moving money on my account to try to give me some of the credits. That was on XX/XX/XXXX. Only about half the credits went through. On XX/XX/XXXX someone else tried to put the credits and rebills on the account and only made it worse.
Between the wrong charges on my Capital One card and the payments I had to make on another entirely different credit card to get my bills paid and my household services resumed, I am currently out about {$1800.00}. Most of this is only on paper, but about {$620.00} of it is on the other credit card where I repaid my bills. That statement is coming due. If Capital One doesn't have my issues resolved by the time I need to make that payment, that is {$620.00} out of my pocket that I should not even be paying.
But again, total, between this card and the other one I had to repay bills on, it's about {$1800.00} worth of mistakes.
I created a spreadsheet with all 87 line items, color coded, with every payment or credit made and totals to show where each line matches the original charge or doesn't. I also created 55 pages of pdf backup showing my bills that I paid twice to prove that Capital One charged me the first time, I paid that statement in XXXX, Capital One never credited me, yet the money was never received by the biller and I had to pay it again on either the Capital One card or my other card.
I have been working the Fraud Department on this for 4 weeks. Nothing has changed. The Manager I previously worked with, XXXX, got nothing done for 2 weeks. She was useless. Apparently she got a promotion to a different department, I can't imagine why, which is when I started working with XXXX.
XXXX, ID XXXX, is awesome. She spent all day with me last Tuesday and went through my spreadsheet line by line and validated all of my work and came up with the same numbers that I did. However, for some unknown to me reason, she said she was told she is not allowed to give me my credits. She was forced by her leadership to send all of this to their " back office '' for them to apply the credits.
So now, I have done all the work, XXXX has done all the work, and someone else has to do all the work all over again? WHY.
I reiterate : between what Capital one is telling me I owe on their card and what they owe me back that I paid on my other credit card, I am out about {$1800.00}.
I have spent an inordinate amount of time on this. 17 hours on the phone ( I can sing the Capital One hold music on cue, just ask me! ) and 10 hours doing spreadsheets and payment backups.
I have shed tears and lost sleep and utterly lost my peace of mind over this. I am at the end of my rope.
They keep telling me to be patient, but I am done. I am now researching other options : lawyer, consumer protection, local news coverage. Whatever I can do.
|
03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Concerns of False Inquiries Reported on XXXX, XXXX, And XXXX Credit reports/ Credit File I noticed inquiries on my credit report that I have no knowledge of. I have NOT given anyone permission or consent to view, access or use my credit report for any reason, I am giving you as much information as I can to help you with this deletion demand so please feel free to utilize this information.
According to Section 604 FCRA, I would greatly appreciate if you would kindly provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these unauthorized inquiries deleted immediately. If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done.
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of XXXX, XXXX, and XXXX because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.
Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
The following companies did not have permission or authorization to request my credit report : Alleged Inquiry : XXXX XXXX XXXXXX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXXXX/XX/XXXX and XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX was never authorized Alleged Inquiry : Capital One Fianc XX/XX/XXXX and XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : Capital one bank XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXXwas never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXXXXXX XXXX, XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX was never authorized I am concerned because I did not apply for credit with these companies. I demand the deletion of these unauthorized, unproven, non-compliant, and unverified inquiries as required by law if unproven with an actual purpose that was not concluded by me Please help me and mail a new credit report when these unknown inquiries have been deleted.
Thanks for your sincere help
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03/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
|
I paid my Kohls charge card bill on time and proved to Kohls that I did indeed pay it. Kohls keeps saying they can not find my payment and keeps charging me interest and late fees. What I once thought was a mistake or incompetence is clearly predatory behavior.
XXXX XXXX Kohls charge card bill ( opening/closing date XX/XX/XXXX XX/XX/XXXX ) for {$150.00} around XX/XX/XXXX.
Paid Kohls bill at the XXXX, PA Kohls on or about XX/XX/XXXX with check # XXXX XXXX bank statement notes the date the check was cashed, as does the XXXX Check Research Report obtained on XX/XX/XXXX ) Received numerous telephone calls from Kohls about not having received our payment.
Contacted Kohls via telephone call during XX/XX/XXXX ; was told to send a bank statement showing payment and then all would be taken care of, including being reimbursed for late fees and interest. As long as Kohls received the bank statement by XX/XX/XXXX late fees and interest charges would be waived.
Received bill ( opening/closing date XX/XX/XXXX XX/XX/XXXX XXXX around XX/XX/XXXX showing {$27.00} late fee and {$3.00} interest charge.
Sent letter with bank statement on XX/XX/XXXX.
Received letter from Kohls dated XX/XX/XXXX indicating that our account was suspended.
Received bill XXXX opening/closing date XX/XX/XXXX XX/XX/XXXX ) around XX/XX/XXXX showing {$38.00} late fee and {$4.00} interest charge.
Received letter from Kohls dating XX/XX/XXXX indicating that they reviewed our account and were unable to locate our {$150.00} payment. The letter said this was the final resolution to our inquiry. Note that in the second bullet ( above ) we have proof that we paid this bill and sent the proof to Kohls.
Had at least two other telephone calls between XX/XX/XXXX and XX/XX/XXXX ; I dont have the exact dates but Kohls should have record of them because at one point the employee said she would note to not call us anymore since this was taken care of. We got another letter within a few days and at another phone call that day the employee said that she would note not to send us any more letters, that the mail was probably slow and that the letter was probably sent out after the earlier telephone call from the previous week.
Received bill from Kohls ( opening/closing dates XX/XX/XXXX XX/XX/XXXX XXXX around XX/XX/XXXX showing that on XX/XX/XXXX they credited us with the {$150.00} payment and the late fee and interest from the XX/XX/XXXX XX/XX/XXXX cycle. Then on XX/XX/XXXX they charged XXXX {$150.00} again ( PAYMENT BOX CAP ONE NC XXXX XXXX WI ). Additionally, a {$38.00} late fee was added and also a {$3.00} interest charge.
Had two telephone calls on XX/XX/XXXX : o The first call was made to me and I asked for their help with this continuing problem. Employee talked with her supervisor at least twice. I was told to send Kohls pics of the back and front of the check that cleared. When I said that we do not get our checks back, I was told to ask the bank to trace the money back to my account and ask for it to be returned to my account. We were asked to call XXXX XXXX back at ( XXXX ) XXXX after talking to the bank. We went to bank twice and was told this could not happen. They do not have copies of the check because Kohls made it into an echeck ( # XXXX ). We were given a Check Research Report which also showed that Kohls ( payee # XXXX XXXX cashed our check on XX/XX/XXXX.
o The second call my husband talked with an employee and their supervisor for 45 minutes. He asked for the supervisors supervisor and was told s/he was unavailable but would call us back later that day or the next. We were continuously told that because they could not find our money, we are behind in our payments. We were not given any contact information except for a fax number where we could send corroborating information. We did not get a phone call back. Our late fees are accumulating and now are more than the original bill.
Received bill ( opening/closing date XXXX XX/XX/XXXX XXXX on XX/XX/XXXX showing {$38.00} late fee and {$4.00} interest charge.
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08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As a consumer I have researched and discovered that there have been multiple reporting violations to not only my privacy but accuracy of information. This has causes hinderance in my daily life as a consumer as I have tried to resolve these reporting issues plenty of time only to receive denial and rejection of every attempt when removing inaccurate items from my credit report. I have attached a letter directed to 3 main financial institutions and 3 main Credit reporting agencies that have hindered my progress as a consumer and created great hardship and mental strain. Please refer to the attached letter for further details of this situation.
I have noticed multiple inaccuracies and unfair consumer reporting practices amongst XXXX, XXXX, and XXXX along with Capital One Auto Finance, XXXX, and XXXX XXXX which are financial institutions that have negatively impacted my credit report. They are in direct violation of the Fair Credit Reporting Act 15 USC 1681 section 602 a which states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared this rule is mentioned in 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " Capital One Auto Finance, XXXX, and XXXX XXXX are all financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Capital One Auto Finance, XXXX, and XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, XXXX, Capital One Auto Finance, Stellantis, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One Auto Finance, XXXX, and XXXX XXXX never informed me of my right to exercise my nondisclosure option.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I, XXXX XXXX XXXX, am opting out of your reporting services. Any and all reports that have previously unlawfully reported must be removed upon notice of this letter.
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07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
Dear Sir, I paid for a new camera from the XXXX website from a company called XXXX. The camera was supposed to be delivered in XX/XX/. I contacted XXXX via the XXXX website and asked where my camera was several times. My messages did not get answered so next I complained to XXXX - please see attachments called XXXX XXXX didn't help. So I filed a chargeback with CapitalOne.com on the XXXX of XXXX XXXX CapitalOne replied to my chargeback saying they were working on it. The communication from CapitalOne and XXXX has been extremely poor. When I applied for a chargeback with XXXX, the process was SECURE and simple. I logged in at XXXX and sent a secure message using XXXX XXXXXXXX then sent back secure messages via XXXX and resolved the charge in about 3 weeks time. I received no communications from CapitalOne and the credit of {$140.00} was debited from my CapitalOne account. When I complained I was told that since I did not reply to the email they sent my chargeback was cancelled. This is where the problem lies at CapitalOne. 1 ) They use UNSECURE emails to send and receive messages. I'm not a bank but just on the SECURITY this is UNSECURE. I never received this email so couldn't reply. Why didn't CapitalOne send a second email or better still use SECURE messaging via their website like chase.com do? On XX/XX/XXXX XXXX I was credited with a second chargeback after I lodged a complaint. This was then debited on XXXX XX/XX/2023. I have emailed XXXX multiple times to provide details to help their investigations in MOST cases with NO REPLIES. I have then phoned CapitalOne and spoke to their staff in the XXXX to try to resolve the problem. CapitalOne 's communications are extremely lacking or non-existent. I opened another chargeback after my second charge was cancelled by the staff at CapitalOne. They claimed I didn't reply, but I have proof of multiple emails and phone calls that I made in an attempt to resolve the case. Please see the attached documents. On the XXXX XX/XX/XXXX I was asked to provide more information. I provide cut-and-paste emails clearly showing that XXXX stated that they would pay me back on the XXXX of XX/XX/XXXX using XXXX. Today is the XXXX XX/XX/XXXX and I haven't received any payments from XXXX to my XXXX account. The promise to pay back via XXXX from XXXX was lies. I sent two emails back to XXXX on the XXXX XX/XX/. I phoned CapitalOne and spoke with their employees in the XXXX who confirmed they had received my two emails. This employee said she couldn't understand why the case had not been resolved in my favor. On the XXXX XX/XX/XXXX I phoned Capitalone again on the XXXX XX/XX/XXXX and was told me case had been closed. I said this is strange since I received an email on the XXXX XX/XX/XXXX asking for more information? I asked to speak to a supervisor who screamed at me and won't listen. Previously, I complained to any supervisor at CapitalOne about their very poor customer services and filed a complaint number XXXX. I believe this complaint is being looked into.
I can't believe that after more than 4 months and two weeks, the staff at XXXX failed to resolve the case in my favor.I have not or never received the camera that was ordered on the XXXX of XX/XX/. XXXX said they would refund via XXXX but never refunded me via XXXX. Even a XXXX can see that XXXX are a SCAM company that charged me via my CapitalOne DEBT CARD. Unfortunately due to extremely poor communication from XXXX and CapitalOne I'm out of pocket {$140.00}, plus have wasted lots of time both sending emails and phoning capitalone multiple times.
Steps to improve charge back. 1 ) Copy XXXX and both customer and bank communicate via secure messages at capitalone.com rather than use unsecure emails from both the customer and XXXX XXXX ) Use American staff based in the XXXX to help customers rather than cheap unhelpful staff that speak poor XXXX in the XXXX. XXXX ) help your customers? This appears too much to ask? Please contact me if you need more information? Regards XXXX XXXX
|
06/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
|
On XX/XX/2021 I took a Capital One Credit Card offer and redeemed it on the Capital One Website per the offer instructions. I made an online account and read that I would receive a card by XX/XX/2021. I received an email confirmation about my new account and my online account access and to download the Capital One mobile app for XXXX.
On XX/XX/2021 I went to log onto the Capital One website with the same login and password I had created. I was not able to login. I called the XXXX customer number and was told that online access would be available when I received my card in the mail. On Saturday, XX/XX/2021 I received the Capital One credit card in the mail.
On Sunday, XX/XX/2021 I went to activate the Capital One Credit card per the instructions included with the card. I attempted to login as the option on the CapitalOne.com/Activate site allowed and found I was not able to. I then downloaded the Capital One mobile app for XXXX phones and tried again to activate the credit card online. I was subsquently locked out for attempting too many times. I ended up activating the Capital One credit card via the XXXX number typed in light black ink at the bottom of the page of the numerous instructions given ( in different languages ) and the card was activated.
I attempted again to log in onto the Capital One website to access my account, link the account to my bank to process payment and see what balance was. Unfortunately, I was not able to do so. I called the XXXX number again for Capital One and I spoke to Capital One operator XXXX whom stated that my telephone number had not been validated and it would take 10 ( ten ) days and since I had signed up on XX/XX/XXXX it should be " validated tomorrow '' which was Monday, XX/XX/XXXX. I asked repeatedly if that was true and if it was going to be validated on Monday XXXX XXXX, a bank holiday.
XXXX stated yes.
I hung up knowing that the Capital One customer service representative did not state if the 10 days to validate my telephone number was calendar or business days.
I tweeted the information to CapitalOne account. I checked online the CapitalOne website and in the documentation that was sent with my credit card there is NO ( none, nothing ) stating that the user telephone number needs to be validated either by calendar or business days. I repeated there is NO STATEMENT ON THE WEBSITE OR IN THE DOCUMENTATION THAT THE TELEPHONE NUMBER HAS TO BE VALIDATED Tonight, Wednesday, XX/XX/2021. I attempted again to gain online access to my Capital One account to simply connect to my bank account to ensure payments will be processed and to see what the charges are. Again, I was not able to access or reset or set up the Capital One website account.
Per the Capital One XXXX account it stated I should ask for a Supervisor.
I called the Capital One Customer Service number. I validated my account does exist and my identity but ended up waiting 25 minutes for a Supervisor to NOT GET ON THE LINE. The Customer Service agent then tried to assist me and sent via email a link for me to log into my account and the same problem occurred. I explained that I had been lied to by the other customer service agent XXXX and from what I could tell in the background noise that the current agent I was speaking to was being pressured and harrassed by her coworkers speaking degratory statements in XXXX and she was frazzled as much as I was. I restated the reason for my call and asked her if she was safe and she didn't answer the question which now I so worried for her safety.
So, the biggest problem is that I do not have Capital One account access via mobile app or website. Worse, it sounded that CapitalOne Customer Service Call Center is XXXX place to female coworkers. Lastly, Capital One Customer Service Representative XXXX lied about validation of telephone numbers which is an act of bad faith and malicious intent.
At this point I doubt I am going to trust Capital One to act in good faith and I am not interested in a long term relationship with them.
|
10/05/2023 |
Yes |
- Credit card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
The executor effect is XXXX XXXX is displayed by prime minister XXXX XXXX because government organization of republic XXXX is very interesting jakker the alliance is failure because there worker is checked the pet animal, I think anyone scholar is defined what is peep into eyes method. What the XXXX are you doing the complaint number XXXX in forwarded by State of XXXX is included, XXXX state, XXXX union territory, XXXX Bank, XXXX corporate office, XXXX hospital, XXXX XXXX XXXX, XXXX united states of america FBI, supreme court XXXX XXXX in XXXX is court case on XXXX, number of court case will be XXXX, go XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Islamic religious scholar XXXX XXXX XXXX XXXX XXXX XXXX head teacher of XXXX, XXXX XXXX XXXX head of Hindu religion, XXXX XXXX XXXX department, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX countries will intimate the court case. XXXX XXXX XXXX XXXX 's gettar begin on the executor effect. Who I am??? Tomorrow your last day.
The executor effect is effective processing by every person they go to slipper sell just follow the 3 method technology, aggressive, repotation. You're thinking few cases is challenging by leader of Temples on religion behalf. Important chapter is religion book.
1. Peep into eyes method you're catch up the slipper sell they're using the technique almost the important Thinker. They've check the status of the person the sence of humour is putting down fall because the person is XXXX. They've check next challenge and create a killer effect of scene of humour to disclose the brain of officers the department of crime branch put down. The next challenge of ministry of Home establishment of new department just like a XXXX as well as you respected department XXXX. The all details is failed on that's time because the activities of religion book so dangerous.
2. Second way of creation just like a XXXX XXXX the using the technique almost XXXX AD in trigonometry signs only. No one is assumed what is this just like a dictated the concept of check the status of brain. Who are you. The thermostatic effect is connected by the very sensitive person on that's time the officers technique is the next program is what? But the service provider slipper sell processing is known active on that's time the officers is thrown a punch on XXXX to XXXX. They've never give up the target is full fill the shoot out the brain of bullet in revolver atomic because the leader of XXXX is biggest technique to use all of them.
3. The shoot out the slipper sell few seconds inside the biggest technique is followed by the behaviour just like a killer effect the drawing. You will decide atomic because the activities is started but officers is followed next statement. Example XX/XX/11.
4. The shoot out of the person is catching up the head of XXXX activity the suggestion is assumed by the leader of religion on behalf of anyone informer of news the purpose of the XXXX activities is continuously processing they we changed the way of technology effect the anyone person they are check the XXXX factors and taking XXXX factors voice messaging concept to connect with the person voice. The thermostatic effect is directly connected to scholar of religion XXXX scene is remember for you XX/XX/11 turn over the XXXX XXXX. XXXXXXXX XXXX XXXX XXXX the each every person on railway station. The information is forwarded by you because the all activities is consumed by XXXX XXXX on that's time the activities is prohibited by government organization is behalf of government constitution amendment maximum XXXX concept is displayed by government organization is behalf of amendment. You remember them the action is opened now on that's time number of complaint will be approx XXXX in XXXX countries each every country these information will provide by complaint behalf otherwise the court case the information is written by charter of XXXX XXXX ( XXXX XXXX, article 111 ).
Thank you.
|
12/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
On XX/XX/XXXX I received an email stating that my capital one bank account was closing as a result of a dispute I made against a company by the name of XXXX. Capital One stated that my account was inconsistent with their terms and conditions and due to this my account was being closed. I have attached a copy of the original email, the email states that my balance would be mailed to me by check in 7 to 10 business days. After reading this email, I called the bank to get a better understanding of what was going on with my account, while speaking with a customer service representative, I expressed to her that I just received a business PPP Loan and I wanted to know how I could go about removing the funds without the bank sending out a check as they previously stated in the email. Prior to me telling the customer service representative about the PPP loan, there were no issues on my account regarding the funds I received with the PPP Loan. The customer service representative then expressed that since I received the PPP Loan, she was flagging my account and transferring it to the fraud department. This was very shocking to me, I felt as if I was treated very unfairly by capital one. I spoke to the manager in the fraud department, I was told to provide Schedule C Tax Documentation, Secretary of state business licenses, and the PPP loan promissory note. On XX/XX/XXXX I emailed capital one all of the requested documentation. On XX/XX/XXXX I received a call from Capital one Fraud department, I spoke with XXXX, she verified my information, asked me questions about my business, stated that she was able to verify that I have been in business since XXXX, she expressed that she was able to find my business information on the secretary of state website, and she expressed that she would be releasing my funds and opening my account back to full access. I was able to pull funds from my account on XX/XX/XXXX after speaking with XXXX. On XXXX XXXX I received another call from capital one stating that my account was being closed again, and that I was unable to receive the remaining funds. I was asked to provide more information about my business which I did email the requested documentation.
I have contacted the lender who has stated they have no knowledge as to why capital one has held my funds. I have contacted the who has also stated they have no knowledge as to why capital one has held my funds. I have also contacted the IRS and none of these organizations have any knowledge as to why this has occurred. On XX/XX/XXXX I spoke with a customer service representative who stated that the secret services, the lender, and as well as the XXXX contacted the bank and stated that my funds should be sent back to the lender, I was shocked and in distress when I heard this information because I did not understand why. I asked to speak with a manager for more information, the manageXXXX stated that he did not have to give me any additional information and that the funds would be unavailable to me. I have been treated like a criminal by your company, my business has been open since XXXX I was eligible for the funds I have filed a Police Report and FTC report against capital one. I have contacted a lawyer who will assist me in bringing this information forth to a judge in my area. I am attaching the following for reconsideration, as I would like to remove the {$6.00}, XXXX from my account number XXXX I have attached the following : Police Report FTC Report Secretary of State Business Licenses XXXX XXXX Letter XXXX XXXX XXXX XXXX XXXX XXXX Related Emails XXXX Business Account Emails Original email stating my account was back opened after receiving requested documentation You may also visit my business website address using the following link which has been active since XXXX : XXXX : XXXX You may also visit my business ( Review Page ) by using the following link, you may view reviews from XXXX : XXXX : XXXX Business Phone Number is : ( XXXX ) XXXX I can be contacted at : XXXX Thank You, XXXX XXXX
|
08/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
I have a Capital One credit card.
A number of years ago, I lost my job, went through financial straits, and fell badly behind on my payments, about 90 days if I recall. As a result, my credit card account with Capital One was restricted, meaning I could no longer use the card to make purchases.
When I found work again, I immediately caught up on my card payments, bringing the account current. Nevertheless, the account remained restricted, and although I have not missed a payment for about three years now, I am still unable to use the card to make purchases, and I receive no account benefits whatsoever. On several occasions, I have asked that my card be unrestricted, allowing me to use it once again, but Capital One has repeatedly refused this request. In effect, this means that I do n't have a credit card with Capital One, and I have n't had one with them in over 3 years. Instead, I just have an account with a small balance and horrible interest rate.
My complaint is not that Capital One will not reactivate my account. That is their decision and I have enough other revolving accounts that it does n't effect me one way or the other. What does bother me, however, and the source of my complaint here, is what I consider to be an unfair and unethical business practice. Namely, the fact that Capital One has unilaterally terminated the services it was providing me, prohibiting my use of the account and terminating my account benefits, but they nevertheless charge me an annual " membership fee '' of {$60.00}.
Paying an annual fee for a card that you can actually use and receive some benefit from is one thing, but what on earth am I paying a membership fee for when the service provider refuses to provide its services? Imagine any other entity engaging in such a practice. It would be totally unacceptable. For example, imagine you purchased an annual gym membership, and a few months in you missed some payments. The gym refuses you access until you catch up on payments - which you do. But then, once you 've caught up, the gym STILL refuses to allow you to use their facilities, but continues charging you each month. It would be entirely unacceptable, of course, because if you are paying for services, you expect to actually receive such services.
The same is true of my Capital One credit card. I have been paying an annual membership fee for their services for three years, and yet, they refuse to actually administer the services they agreed to provide. They are quite literally charging me for nothing.
I have sought to have these charges ceased, to no avail, and have sought to at least reactivate my card, also to no avail. The reason for these charges, according to various representatives at the company, seems to be either that they are allowed under the contract and that 's that, or that the membership fee is required because it is expensive to administer even an inactive credit card account. While the first of these assertions is obviously true, it is essentially meaningless in its failure to address the fact that it remains unethical, while the second of these assertions is laughable in its failure to account for the fact that usurious interest rates on my account provide more than enough income to cover any account administration tasks.
The bottom line is that credit card companies should not be permitted to both unilaterally terminate providing services to its customers, even after the customer has corrected any defaults, and also continue charging customers fees for the services it refuses to provide. Instead, credit card companies should be mandated to provide the contracted services after an account has brought current, or else cease charging annual account fees on accounts they refuse to reopen and refuse to provide services and benefits for. At minimum, the permissible fees that can be charged for a restricted account should be limited to the same amount as the company 's most inexpensive no frills and no benefits cards, which, incidentally, is often zero.
|
12/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
Servicemember |
I put XXXX on a XXXX XXXX card because Im repairing my credit after a devorce and bankrupsey. For an entire year I never used the card but I kept reading by not using it I was not getting the full bennifit of having the card. So I started using it and at some point XXXX XXXX just changed things by giving me my money back but then using their money. Ok great every month I transferred money paying off the debt and using the money which was showing I could repay the loan. Well all was fine until I lost my card. I replaced the card but still paid my bills by giving my other bank card to XXXX until my new came. I buy money and Im on a payment plan with these companies. Ok I told them my new card with XXXX XXXX but they did not explaine that their computers would have to update. So I put money on the XXXX XXXX card to cover charges but one creditor used my debt card with XXXX so XXXX took all the money back charged me {$30.00} and the other creditors had interest charges when the funds werent Their with XXXX XXXX. So Im getting nasty messages not going threw. So I hear from XXXX telling me everything would had been ok except this one merchant charged your card and that threw everything off. I said I asked was the amount correct every time before I move money and XXXX said it showed nothing on hold. Ok I said how can you tell me that and yet a unexpected charge comes threw. Then they say some merchants may take funds latter date and it want show! How if you cant see funds on hold how am Im to know whats on hold? The problem is their is no way according to XXXX. Ok I then sent the new available amount from XXXX to XXXX XXXX which went threw. Then once that was ok I sent {$18.00} over to XXXX XXXX just to clear out an account. Ok I check the next day and the computer tells me its still in my XXXX account instead of being in XXXX XXXX so I call XXXX and ask why did it not transfer? She tells me maybe their was a glitch try it again. So I do well that {$18.00} dollars transferred but so did another {$18.00} which was not in the account so XXXX takes back the {$18.00} and charges me another {$30.00} for not enough funds! Im XXXX XXXX Im a XXXX Veteran I dont have money to throw away! XXXX blamed XXXX XXXX for bein the one not taking the funds nice their release! I call XXXX XXXX asking why they arent posting my funds once released from XXXX? They ofcorse blame XXXX ok I transfer {$100.00} it went threw fast! Then I send {$140.00} and I did that in Fri it did not post until after XXXX with XXXX XXXX almost three days. XXXX XXXX said the computer was on Holiday which is why it took that long! Since when do computers go on vacation? But during the conversation she says the account is closed! Im like how can you close a card I opened wit my money so I can use it as I invest in the card? She said I violated the card rules! Then a manager said wad the contract you signed! I did not sign a contract I applied for a unsecured card I put money on much like a debt card! Well I guess thats not what XXXX XXXX calls it but my payment on the card a month s only {$37.00} Im putting way more than that on the card plus their is a balance of {$240.00} on the card! So why close a card m paying on. Im trying to get every creditor to use that card so not to have charge made to my XXXX card any longer. But XXXX XXXX says I can open another account but the one I have now is closed. I think if your paying the card every month they should not close my card. As far as merchants deciding one day oh I owe them and take funds Im unprepared for and the XXXX banks not removing charged money from my available money sucks but I can only go by what the computer says or what those working at the bank tell me is available?? I think I have One nothing wrong I did my part to pay every month on that card I feel I should had received notice of if these issues kee up my account could be closed but I Never was warned and again their is funds on the card its not deliquient so I feel Ive been wronged y XXXX XXXX XXXX.
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04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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On XX/XX/XXXX a bill of exchange was sent to Capital One through certified mail, documents received XXXX Second notice sent XX/XX/XXXX with bill of exchange payment, Power of Attorney and tender accepting all titles, rights, interest, and equity owed to XXXX XXXX and transfer principal balance to the principal account for {$2700.00}. If not honored Capital One was required to apply the entire payoff balance ( {$24000.00} ) to the principal account, send vehicle and title to the agent acting on behalf of the principal. Third notice sent XXXX with tender to transfer the principal balance to principal account and was giving five business days. With no response Capital One is now in a breach of contract. Capital One sent documents showing information pertaining to the principal account of fraudulent activity. Copies of the agreement between XXXX XXXX and the dealership ( XXXX XXXX XXXX are different from the contract sent from Capital One. I did not sign any paperwork with Capital One and the copy does not match, my signature was forged, and paperwork was typed in. Also, the price given at the dealership is not the same on paper, a warranty was added to the vehicle without my acknowledgement or signature. Capital One Auto Finance not only breached the contract by not honoring their duties as the Federal Reserve Act Section 16 they also committed fraud ( identity theft ). This has really ruined my life because I have been unbale to go to work. According to Federal Reserve Act section 29 ( a ) First Tier. Any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who, violates any provision of section 22, 23A, or 23B, or any regulation issued pursuant thereto, shall forfeit and pay a civil penalty of not more than {$5000.00} for each day during which such violation continues ( b ) Second Tier. Notwithstanding subsection ( a ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who A. commits any violation described in subsection ( a ) ; B. recklessly engages in an unsafe or unsound practice in conducting the affairs of such member bank ; or C. breaches any fiduciary duty ; 2. which violation, practice, or breach A. is part of a pattern of misconduct ; B. causes or is likely to cause more than a minimal loss to such member bank ; or XXXX results in pecuniary gain or other benefit to such party, shall forfeit and pay a civil penalty of not more than {$25000.00} for each day during which such violation, practice, or breach continues. ( c ) Third Tier. Notwithstanding subsections ( a ) and ( b ), any member bank which, and any institution-affiliated party ( within the meaning of section 3 ( u ) of the Federal Deposit Insurance Act ) with respect to such member bank who 1. knowingly A. commits any violation described in subsection ( a ) ; B. engages in any unsafe or unsound practice in conducting the affairs of such credit union ; or C. breaches any fiduciary duty ; and 2. knowingly or recklessly causes a substantial loss to such credit union or a substantial pecuniary gain or other benefit to such party by reason of such violation, practice, or breach, shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subsection ( d ) for each day during which such violation, practice, or breach continues. ( d ) Maximum Amounts of Penalties for Any Violation Described in Subsection ( c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of A. {>= $1,000,000} ; or B. 1 percent of the total assets of such member bank
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10/08/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
Kohls has tried to take advantage of me during the COVID 19 Pandemic financial crisis by racking up excessive interest charges, late fees and sending negative reports to the credit bureau on the balance Kohls alleges that I owe.
Kohls has : Sent negative reports to the credit bureau while the consumer is in a COVID-19 Forbearance. Kohls has failed to correct the negative reporting once
the COVID 19 Forbearance was placed on the account. Possesses a message center that does not answer questions submitted within 48 hours for the COVID-19 forbearance even though you are requested to submit them there.
Once the COVID messages are submitted, the consumer is then directed to call back in to discuss it with a customer service rep instead of answering any part of the COVID 19 Forbearance request
online. It just states completed.
There is no written policy about the terms of the COVID 19 policy. I have requested it several times from representatives but they do not have one. There is nothing on the bill that states that I am in a COVID 19 forbearance.So the only way I would know that I m in a COVID 19 Forbearance is by the word of the representative. Collection customer service representatives that either refused to place me in a COVID 19 Forbearance.
Collection customer service representatives that did not submit the paperwork for me to be placed into a COVID 19 forbearance. I would call in to follow up and the previous collections representative would not have placed the forbearance upon the account causing negative reporting to the credit bureaus and erroneous late fees to be charged.
It took numerous phone calls and numerous requests to have The COVID 19 forbearance placed upon the account.
Most of the time I was advised that a Supervisor was not available or they would have to call me back but the rep could not give me their name or what time they would be able to call me back.
After reps state that they would, supervisors would not follow up and call back.
Failure to protect PII account verification options- some collections reps would not allow alternate methods to the last 4 of SSN to be used in verifying the account. However, Kohls corporate office rep stated that all reps can authorize an alternate method.
I was usually ( 98 % ) of the time directed to outsourced collection customer service reps in countries such as the XXXX, XXXX, the XXXX XXXX, etc. I have a hard time understanding some representatives due to their thick accents and they sometimes would act as if they did not understand what I was saying. This would make trying to investigate the alleged balance that Kohls attempts to claim that I allegedly owe extremely tedious to access, discuss, get accurate information or resolve.
Transferred blindly and hung up on by several collection reps.
Harassment- Denied request to be transferred back to the United State or put in hold for really long wait times before transferred back in the queue. Interrogated by reps as to why I wanted to be transferred back to a US collections customer service rep. Erroneous late fees placed on the account while under COVID forbearance. Account was not credited for increased balance after erroneous late fees charged on account.
Customer service reps failed to explain what would be the calculation used to credit the difference in interest charges to the increased balance after the late fees were charged Kohls reps did not clarify as to whether or not the COVID forbearance was backdated to XX/XX/2020 and was not reflected on the account Collection reps repeatedly called back to back throughout the week even though I put in a request to not be contacted and I was also advised by a collection rep that I would not be contacted while under the COVID 19 forbearance program.
Kohls has failed to provide the original signed credit card contract.
Kohls has questionable security practices & business practices in utilizing numerous outsourced collection and customer service reps to handle sensitive PII and account information
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06/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
On XX/XX/XXXX WE purchased 2 roundtrips tickets of {$720.00} each as a wedding gift to our daughter and her future husband, to be used after their marriage on XX/XX/XXXX. Paid with Capital One venture card. We bought the tickets thru XXXX with XXXX XXXX.
My wife is telling the story now with my permission because she was there.
On XX/XX/XXXX at approx. XXXX XXXX - I Mrs. XXXX, my daughter and her husband were at the XXXX, XXXX airport checking in. My check in -went fine, my daughters also ( both USA citizens ) but when my son in law was checking in, a problem came up, even thou he had a passport and was excepted to travel to the USA , he also needed a travel document which the call a ESTA document. The Electronic System for Travel Authorization ( ESTA ) is an automated system that determines the eligibility of visitors to travel to the United States under the Visa Waiver Program. We were directed to the counter, applied, paid XXXX EURO plus XXXX dollars charged. He was approved and returned to the check in counter. They skipped us and took care of other passengers, time was running out, we finally were next as the agent was putting my son in laws travel document information, they said it was not accepting it, so skipped us again and took care of more travelers. I ran to the check in gate in tears or would of lost the flight, my daughter stayed behind, not knowing what was happing to her husband, not wanting to leave on her honeymoon without him!!!
They end up losing the flight because they were told something was wrong with the system not excepting the document. My daughter said they didn't even try, the minute they informed them they had lost their flight. My daughter and son in law then after about an hour went upstairs to the travel agent and REPURCHASED new tickets with the money they made from the wedding. They had an organized honeymoon here in the US and needed to be here within 2 days or would lose the honeymoon package. Funny how the travel document worked and was excepted not even an hour later. And the travel agent even checked them in right away.
When I arrived in the US, I contacted XXXX, told them what had happened, for about two weeks I spoke to them everyday, they contacted XXXX '' XXXX and XXXX told XXXX - it was documented that my son in law did not have a travel document, and was a " no-show '' Not having any results with XXXX, we contact our credit company, told them the story and put in the dispute. a couple days later Capital One Venture credited us for the tickets but we needed to write a letter explaining what happened. We did, and they answered the same way. NO TRAVEL DOCUMENT-NO SHOW the letter also said, they needed some proof to support the dispute.
Meanwhile they put the charges back into our card.
We were able to find the TRAVEL DOCUMENT issued that morning, was approved at XXXX XXXX. I sent the copy to Capital One, explaining that " THIS '' document is the proof that there was time for them to board the flight, because the flight was at XXXX ; XXXX.
First they did not understand that The copy I sent WAS THE TRAVEL DOCUMENT even thou I wrote it and circled the writing were it said TRAVEL AUTHORIZATION, they thought it was a ticket! Stressed and aggravated, hours on the phone I then asked to speak to a supervisor. At first she was surprised to see the document was really the travel document, she said I need to put you on hold. after a long pause her answer was : In order for us to request credits from the merchant when we can document that the merchant violated an operating rule or regulation. AND the dispute is " Time sensitive and so unfortunately we are unable to continue the dispute.
They asked for proof, I gave them the proof, and they ignored the truth versus the lie. The Offered us half of one ticket. We refused the offer. Never will buy a ticket thru XXXX, Will never definitely fly XXXX ever again, they are the rudest people on earth. And as for Capital One, very disappointed. We will close our card with them also.
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10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have been hacked, and harassed, gang stalked, sabotaged, and had my constitutional rights completely abolished from XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX, in false series of defamation of character coming from possibly XXXX and initially from someone at XXXX or XXXX. A false accusation from a teenage XXXX worker who filed a fake and fraudulent comment which was a false accusation someone pushed simply for their own personal vendetta. I have been subpoenaing and filing lawsuit after lawsuit on the companies involved in an attempt to bring out the truth of what is going on, and we are finally getting some results. The truth is some very powerful people have been intentionally sabotaging me as well as thousands of other people across this country and the FTC knows about it they've commented on it, people from XXXX know about it they have commented on it, even people from XXXX XXXX XXXX and XXXX have all commented on it as well. I have recordings that I have documented of XXXX XXXX XXXX advising me that the phone I bought from XXXX XXXX on XX/XX/XXXX is the phone that hacked my mother on XX/XX/XXXX I gave the phone back to XXXX on XX/XX/XXXX. My XXXX phone we have just discovered is rooted and has no XXXX XXXX kit, in fact it is a open source public phone where XXXX has participated in violation of my fourth Amendment rate which is the right to privacy. I found out on XX/XX/XXXX that I didn't even have phone service with XXXX so for six months XXXX charged me ripped me off and I didn't have service with them so they are guilty of mischaracterisation and Fraud at best. XXXX XXXX XXXX is guilty of violating my fourth Amendment rate which we are in the process of filing a civil rights lawsuit on an XXXX is also guilty of mischaracterisation and fraud. For years I've had no problem with my capital one account not one I put my account on hold simply so I can avoid these hackers damaging my account like they have damaged my entire life and I did not want capital one to take a loss with people calling up and using the card because I believe if you don't earn something you don't deserve it. I lost my wallet a week and a half ago so I called capital one and I asked them to send me to new cards the agent said no problem never mentioned anything about my account at risk of being closed. A week goes by and I don't have my account cards so I call back and then I find out my account was closed. I never requested my account closes I did not want my account closed and I want my account opened and reinstated. They have recently just charged me the yearly membership fee as well according to one of the representatives I spoke to., i'm tired of being terrorised and assaulted cyber assault over and over. If my account was at risk of being closed because I had not used it in a few months then when I called up and spoke to the representative he should've told me that and I would've started to use them I do not want my card closed and I want my card reissued in my account opened as of today it was still opened it was in process of being cancelled. I don't believe it got cancelled from now on news I believe it got cancelled because somebody called App and somebody sabotaged my account. I would like a written statement from the company on who close the account who specifically in a sworn statement from them saying it was not done out of maliciousness based on speaking to somebody third-party. I have been terrorised for two years and I've had enough I want my account reinstated and willing to go to court over it if I have to I know I've never had a problem with capital one and I don't know why all the sudden I get treated like so I'm some bad customer when I've never had a late payment with capital one. I believe due to the loyalty I've had with capital one and being in good status there should be no problem to reinstate this card and I look forward to it with your help and avoid having to subpoenae documents to make sure I was not sabotaged from some outside source thank you
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01/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Capital One Auto Finance sent me a letter stating that they are attempting to collect a debt. This company has threatened me to involve another third party that I have no written contract with to repossess my car. Fact, XX/XX/2021 I sent Capital One Auto Finance a Debt Validation Letter requesting that they validate the assumed debt along with a Cease and Desist notifying Capital One Auto Finance to Cease all communication with me concerning the account and assumed debt. Fact, this letter was sent via certified mail and was delivered. Fact, It has been more than 30 days and the debt has not been validated. Fact, I notified this company collection agency Capital One Auto Finance to cease all communication and they have violated my rights to privacy and disregarded my Cease and Desist Notification. Fact, Violation of 15 USC 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I have attached my call log with documents showing the date and times Capital One Auto Finance has harassed me during my work hours, inconvenient time causing me to lose sleep, and cause stress to my mental. Fact, Violation # 2 15 usc 1692 Unfair Practices - ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Fact, Violation # 3 & # 4 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Fact, Violation # 5 & # 6 15 U.S. Code 1692b - Acquisition of location information - ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Fact, This company collection agency Capital One Auto Finance are in multiple violations and is not compliant with the FDCPA. This company may not attempt to damage my consumer report. Fact,15 U.S. Code 1692k - Civil liability - ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Fact, I have NEVER done business with this company collection agency ( CAPITAL ONE AUTO FINANCE ) and I do NOT have any written contract with this company collection agency ( CAPITAL ONE AUTO FINANCE ). Fact, I have also mailed out an Affidavit of Truth along with all the exhibits and violations this company collection agency ( CAPITAL ONE AUTO FINANCE ) has violated. I will include all documents along with this complaint with all FACTS I have mentioned.
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03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX/XXXX/XXXX RE : Capitol One Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account to which you have claimed a credit card account I am only provided half of the numbers to as mine, but that it is somehow closed even though the payment is reported as current as of XX/XX/XXXX. How was this past due 30 days then paid then closed? How can a card with a {$600.00} limit be reporting at {$1900.00} as the highest ever balance? What month did this occur? How was this figure calculated? What notice was provided that the limit was exceeded so grossly above the limit?
Status Updated XX/XX/XXXX Usage 274 % Balance {$1600.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment {$68.00} Past Due Amount -Highest Balance {$1900.00} Due to these inconsistencies I am giving you formal notice that your erroneous claims are now being disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I would also need to be provided a complete account number so that I can verify the legitimacy of these claims. I also demand the procedures and methods the individuals used in the validation process. I also request to know the steps taken and exactly how they arrived at these conclusions with such limited information.
Additionally, please provide the names, addresses, and telephone numbers of each and every person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please be advised according to The FCRA, pending upon the outcome of my investigation from any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Please also be aware that any negative mark found on any of my credit reports including, but not limited to, XXXX, XXXX and XXXX, from your company or any company that you represent or that represents you, for a debt that I don't owe, is a violation of the FCRA, FTC & FDCPA. Therefore, if you can not validate the debt in 30 days, you must request that all credit reporting agencies delete the entry immediately.
Failure to respond within 30 days of receipt of this letter may result in a small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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01/09/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/XXXX To Whom It May Concern ; I write this letter for the purpose of seeking help from government or state entities to demonstrate that i was a victim of fraud into the capital one system, on XX/XX/XXXX, I made a deposit of XXXX dollars cash in the capital one bank, located at XXXX XXXX XXXX. XXXX TX at XXXX XXXX, also another deposit of $ XXXX dollars cash in the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX , at XXXX XXXX, these transactions disappeared from the XXXX XXXX XXXX system later, but I have 4 receipts that support the opposite or the XXXX XXXX Receipts in different locations that has a complex security systems. so I was victim of the vulnerability of capital one, I ask for your special help because this may be happening to any other person and it has affected me immensely in this XX/XX/XXXX.
I have the receipts that show the exact time and date on which i made the transactions, the XXXX XXXX XXXX security system is complex and sophisticated, the bank has external and interior cameras also has cameras in the automatic atmospheres and a complex security system that shows the transactions, the bank has sophisticated security systems that show money counting, micro ships that detect credit cards, cameras inside and outside the ATM machine, which show the control of money, one transportation agency and a security agency to take care about the money, all of those are supervised by cameras and accounting records.
Saturday around XXXX XXXX of the XX/XX/XXXX I see my balance in XXXX dollars. The night before it, I have in the account XXXX dollars so my money disappear from the capital one system. I went to a branch of XXXX XXXX XXXX to verify what was happening, and the young man who attended me, he called the capital fraud department one, so the first time I spoke with a man who detected that one of the transactions did not appear in capital one online in my record but it appears in his record so he found an error and the second one did not appear in either of the two registers, upon he finding the error he said we will communicate with you within 3 and 10 days i am going to send you an email with the case and i will give you the credit of the transactions, which was never came,, but this kind of calls has a legal record with the purpose of being investigated and this counts as evidence, but guess, neither the credit nor the carte with the claim # arrived, so the Bank falls in the right procedure, after XXXX they called me and very informally told me your case is denied, so, I told her, please Iet me explain the situation, I told her you have cameras and I have the receipts this is serious there is a fraud! I deposit the money cash, I am a decorator and work in remodeling, I sold my trailer and a machine and deposit all the cash!, Somebody do a fraud in your system that is affecting me I need my money please investigate the woman said I 'll would call you next week, today XX/XX/XXXX, I got a call around XXXX XXXX she identifies me as XXXX XXXX XXXX and she said your claim has been rejected I asked her to send me a letter explaining why my claim has been rejected. She said yes I would send you a letter explaining why we rejected it and I told her, now I go to move forward in a legal process to clarify this situation and demand if necessary. I am XXXX XXXX I am honest person, I do flipping houses, also I remodeling houses and I do dcor, so some costumers pay me cash because is just one or two days my work sometimes more, this things happens!, so i It has been one of the saddest XXXX, I am two weeks away from finishing a house and I could not be with my family everything was postponed, because that situation, Please this is a crime and I am victim help me investigate this situation Thank you for your attention police report # XXXX / complaint number is XXXX. Consumer Protection Division Office of the Attorney General Sincerely XXXX XXXX XXXX SS # XXXX XXXX XXXX, Phone XXXX email : XXXXXXXXXXXX feel free to contact me any time, please I need cooperation!
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04/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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Capital One sent Police to my fathers house, and told my father about my debt for my car. I received a phone call 4 hours after talking with Capital One. This call was from my father, and it opened with " are you having a problem with the auto finance company? There are 3 police here looking for you ''.
I went to XXXX for 3 months on a volunteer work trip. I returned from XXXX to the United States at the very end ofXX/XX/XXXX 2019. While abroad, I contacted Capital One during a date where I had internet access to complete my phone call. The agent suggested we set up weekly automatic payments. I obliged.
Upon returning from XXXX, I closed my account with XXXX. Payments on the car would have to bounce 4-5 times before I would be considered past due. There is also a delay of a week or two, meaning 7 payments that were destined to fail would have been automatically filed by Capital One prior to any attempts they would have made to contact me.
On XX/XX/XXXX, I was in a motor vehicle accident with a semi truck with a 60ft trailer. The car suffered damaged, and more importantly, I was injured. I have XXXX in my XXXX and lower XXXX. I have been undergoing the best care I can get post injury. I have a lawsuit against the trucking company. Florida XXXX XXXX deemed the truck driver at fault.
Due to the accident I am unable to do any labor intensive work, or any heavy lifting. I have adapted and become dependant on my photography work.
Due to Covid-19, most of the world is being forced to stay at home. My customers have stopped contacting me for work. I am still adapting to the challenges in front of me, and I still am able to scrape together an income.
Capital One has shown neglegance by failing to take action after a few rejected ach payments. Capital One failed to pause payments and contact me. Capital One has placed limitations on my account limiting my ability to make ach payments.
I have attempted multiple times to pay Capital One, and they have verbally refused my payments. I contacted Capital One near the end of XXXX to make a payment. They refused to accept my ach payment from XXXX XXXX. I requested a call back from a supervisor. Nobody called me back.
I contacted Capital One in the end of XXXX to make a payment again, and point out that nobody called me back. They refused my payment. They requested a callback from the 'office of the president ' On XX/XX/XXXX, I received a call from a representative who again refused to accept my payment. I told them I would damage the car further if they refused to accept my payments.i requested a call back from someone higher up so I could appeal this decision. The representative just kept refusing my payment and talking about how my credit would be negatively affected if I decided to leave the car disabled or abandonned and stop attempting to pay. We are in the midst of a global economic crisis, there is a global depression, and the very last thing I want to do is fight with Capital One. I feel Capital One is at a major disadvantage in this game of hardball, and they will be having a large number of customers defaulting on their loans. I am literally attempting to pay Capital One and they are refusing, during the lowest point in most people 's lives. People are dying left and right.
This representative called the police and sent them to my fathers house. 3 officers had their time wasted, and my father humiliated by the appearance of 3 police cars in front of the house. My father and the police were told about my personal debt. They never should have been involved. Capital One is retaliating towards me. The police response was ~4 hours after finishing my phone call and requesting a call back from a manager in the office of the president.
Due to these hostile actions taken by Capital One, I am doubling down on my stance, and I demand the ACH limits be lifted from my account, and my payment accepted. Otherwise, I would love to see who is selling their car in a few months so I can get a new one for cheap.
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10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
|
I have a lawful right to privacy and that right has been violated by Account Name : XXXX Account # XXXX Account Name : CAPITAL ONE # XXXX Account Name : CAPITAL ONE # XXXX They have violated 15 U.S. Code 1681 Section 602 of the Fair Credit Reporting Act which states : 15 U.S. Code 1681 Section 602- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
A consumer reporting agency may Not furnish my consumer report without written instruction from me under 15 U.S. Code 1681b Section 604 which states : 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
I HAVE NOT PROVIDED WRITTEN INSTRUCTION TO : Account Name : XXXX Account # XXXX Account Name : CAPITAL ONE # XXXX Account Name : CAPITAL ONE # XXXX TO FURNISH MY CONSUMER REPORT. THIS VIOLATES 15 U.S. Code 1681b.
They are also in violation of 15 U.S. Code 6802 which reads : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party Please see the attached documents that reflect attempts made in order to protect my privacy. These violations have caused a tremendous amount of stress for me, on my family, and household all together.
15 U.S. Code 1681c Section 605 states that there are requirements relating to information contained in my consumer report and reads : 15 U.S. Code 1681c Section 605- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
I have committed no crimes so again, my rights continue to be violated here with these accounts being contained in my consumer reports.
The Consumer Law states that it is the duty of the furnishers of information to provide accurate information.
15 U.S. Code 1681sXXXX ( A ) ( XXXX ) Section 623- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Account XXXX : XXXX Account # XXXX reports 25 derogatory marks for a charged/written off balance on my consumer reports. Proof of late payments have been requested via certified mail for all 3 accounts, to no avail. Yet they remain on my consumer report without my consent and with conflicting invalidated information. I have included attachments supporting my attempts to protect my privacy
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12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
XXXX XXXX and XXXX XXXX have engaged in knowingly reporting erroneous and inaccurate information. I have contacted both agencies multiple times via email and phone calls in regards to this information. I also sent emails to Capitol One and XXXX XXXX as they are the companies who furnished the inaccurate information.
These companies have violated my rights pursuant to XXXX U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I have sent electronic correspondences to these companies multiple times XXXX responded with not being able to verify my identity and XXXX gave no response yet continued to report this inaccurate information. Capitol One and XXXX XXXX have yet to respond. Dates of correspondences were XX/XX/2023, XX/XX/2023 and XX/XX/2023. Which violates the above law.
The IRS considers canceled or forgiven debt as income. You may need to pay taxes on the canceled debt amount reported on the 1099-C form. The amount you'll have to pay depends on your federal tax bracket and whether you qualify for an exception or exclusion. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return less one of the exceptions or exclusions described later applies. The amount in box 2 of Form 1099-C may represent some or all of the debt that has been canceled. The amount in box XXXX will include principal and may include interest and other non principal amounts ( such as fees or penalties ). Unless you meet one of the exceptions or exclusions discussed later, the amount of the debt that has been canceled is ordinary income and must be reported on the appropriate form, as discussed earlier Capitol One and XXXX XXXX were negligent in sending me a 1099C.
Who Must File File Form 1099-C if you are any of the following.
XXXX. A financial institution described in section XXXX or XXXX ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ).
XXXX. A credit union.
XXXX. Any of the following, its successor, or subunit of XXXX of the following.
a. Federal Deposit Insurance Corporation.
b. XXXX XXXX XXXX XXXX.
c. Any other federal executive agency, including government corporations.
d. Any XXXX XXXX
XXXX U.S. Postal Service.
XXXX XXXX XXXX XXXX.
XXXX. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency.
XXXX. A federal government agency including : a. A department, b. An agency, XXXX XXXX court or court administrative office, or d. An instrumentality in the judicial or legislative branch of the government.
Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section XXXX6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year.
According to an article on XXXX XXXX 's website regarding income ; Income is not part of your credit report. And while lenders often factor your income into their lending decisions, they'll typically get that information directly from you during the credit application process. Because it is not part of your credit report, income is not considered by credit scoring systems that use only your credit history.
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06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
|
I am fighting a fraudulent Capital One credit card account that was opened on XX/XX/XXXX following a home break in that occurred XX/XX/XXXX, grand larceny in the 2nd degree, and identity theft. I was unaware of the credit card account until XX/XX/XXXX when applying for a mortgage. The account is now in " charge back '' for appx {$300.00} and has resulted in a greater than XXXX point reduction in my credit score on XXXX and XXXX. Capital One 's investigation stated " Our research found no signs of fraud '' as of XX/XX/XXXX. I have disputed multiple times and asked for the case to be reopened.
All of my personal identifying information was stolen from my home during the break in ( social security card, passport, lease, etc ). On XX/XX/XXXX the burglar took out an auto loan under my name with Capital One for {$50000.00} and purchased a XXXX XXXX XXXX from a car dealership in the XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This fraudulent loan has since been dismissed. Despite an open investigation for the auto loan fraud, Capital one still allowed a second fraudulent credit card account to be opened in my name. I froze 2 out of 3 credit reporting bureaus around this time but was unable to freeze XXXX as the information asked to identify myself was incorrect ( likely due to identity fraud ). I recently found out this is because the XXXX account listed fraudulent personal information including an incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) and phone number ( XXXX ).
No one has been charged for the breaking and entering/burglary/identity theft but based on reports from construction workers on our block, door cam footage, and location of car purchase - we believe the culprit to be a construction worked named XXXX XXXX who was XXXXired from a site at a neighboring building in XXXX of XXXX for theft.
My partner and I are now in jeopardy of losing our dream home and have spent countless hours on the line with the Capital One fraud department with no resolution : 1. The investigation has twice shown there is " no indication of fraud because the documents used to verify the account match my information. We were told those documents are my address and phone number. We now believe Capital One was verifying my address and phone number against the fraudulent personal information on XXXX and XXXX and have again asked them to reopen the case.
2. The phone number on the account is not my phone number. When confirming with Capital One the last 4 digits do not match my number. I have never been formally asked to verify my number with an investigator.
3. The burglar has my address, amongst all other PII and has already taken out an auto loan in my name with the same company.
4. The surname used for the account is not correct nor used on my other accounts- " XXXX '' 5. We submitted a police report for the break in and Identity Theft to Capital One, both of which occurred during the same time period this account was opened ( XX/XX/XXXX ).
6. We have requested to be sent documents pertaining to the account such as the credit card statements and the account application, nothing has been sent by mail nor fax. The team has stated they will not send this information because " my address/phone number does not match the account. '' 7. We were told we can not file a police report in NY without the credit card statements and this is contradictory to the reason my fraudulent claim was denied.
8. When on the phone with a Capital One account manager on XX/XX/XXXX she listed multiple transactions- all of which took place at businesses in the XXXX, I live in XXXX and have never visited those locations. They do not match my spending habits. An additional charge mentioned was for an uber I can prove was not taken on my XXXX account.
On XX/XX/XXXX, I was able to gain access to my XXXX report and dispute the fraudulent PII on this bureau as well as on XXXX. I also placed a dispute on the credit card account. No grounds have been made with Capital one.
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03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
I signed up with CapitalOne with great hope but as a new credit card customer it was an unmitigated disaster after several calls speaking to different people about this issue, including 2 supervisors who were XXXX and XXXX. In particular, XXXX was very rude and abrasive on the phone and even hung up on me, but that's an ancillary point to the main issue here so let 's leave it aside for now.
Essentially, this was my first payment cycle with CapitalOne and so I had set up their AutoPay on my account to ensure I would settle all my credit card bills in a timely manner- I selected the option to pay in full ALL my outstanding credit card deals a few days before the settlement date. All seemed fine when the full amount of {$380.00} was posted from my direct debit arrangement into CapitaloOne to settle my credit card bills with them, and this showed up in my transaction history with CapitalOne too on XX/XX/XXXX ( please see picture ).
Suddenly, on XX/XX/XXXX this entire amount was returned to me which caused my CapitalOne credit card account to be in deficit, but nobody gave me any notice at all that payment had been RETURNED- I did not get any SMS, any emails, any phone calls or alerts or notifications on my apps or whatever. Nothing at all. I've since learnt that this was because I had keyed in the wrong account details for the Autopay arrangement I've set up with CapitalOne to draw money from my other bank, but I have no way to verify that for sure since the Autopay details mask my account numbers when I log on, so I have no way to see the account numbers actually inputted for my Autopay arrangement.
In any case, the point remains that I had ZERO heads up that my AutoPay payment to CapitalOne had failed. When I found out about this problem on XX/XX/XXXX, I immediately resolved this by manually making payment to them for {$380.00} and called their customer service line to explain the situation. I forgot the officer 's name but I specifically mentioned that this was an honest mistake, and my request to have BOTH the late fees and the interest charges waived, to which he agreed he would apply for both these waivers. A few days later, I noticed that my account had the late fee waived but not the interest charges, and so I called again to explain my entire situation as laid out above, and that the customer service agent I spoke to on XX/XX/XXXX had promised to get both these fee items waived but now I was slapped with interest charges of {$12.00} that have not been waived, and I don't know how much more they are going to rack this up with additional interest charges until I agree to pay it off in full, which is so stressful and traumatic in today 's environment of all the economic uncertainty and bank destabilization.
I have spent hours on the phone with them trying to resolve this situation and even appealed multiple times about this being my first payment process with CapitalOne and it was an honest mistake with the Autopay " error '', but various people at CapitalOne have just constantly flat out refused my request to waive the remaining interest charges, with no reason provided at all and just insisting that this is their right and their policy does not allow them to reveal the reasons- the cruelty and lack of ethics is just appalling to be honest. And this is despite XXXX acknowledging that one of their customer service agents lied to me on XX/XX/XXXX when he said that he would be able to apply wavers for both my late fees and interest charges!! It is deceptive marketing and unprofessional dealing with customers, and I am really regretting that decision to sign up for a new CapitalOne card now. No other XXXX banks I've transacted with had such dishonest practices, broken systems and poor customer service. Please investigate my complaint to the fullest extent and do let me know if I can provide any other information, I remain humbly at your disposal.
All my rights are reserved and this write-up is on a without prejudice basis.
Thanks, XXXX
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08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
COMPLAINT : CAPITAL ONE DONT LEAVE HOME WITHOUT IT WHATS IN YOUR WALLET On XX/XX/2022, I travelled to XXXX XXXX Ohio , which was the first stop on a 10 day vacation. My husband and I bought ice cream that night, bought gas multiple times and in multiple places as we travelled north from South Carolina. Each time using our Capital One credit card. Our vacation XXXX accommodations ( 3 in all ) were all paid for previously with our capital one card - there was a definite credit trail.
Years ago I had been told by Capital One that I need not bother to call them when traveling, so I dont do that anymore.
XX/XX/2022 in XXXX, Ohio, I shopped for groceries at XXXX XXXX XXXX. My credit card statements show that I habitually shop at XXXX. When I used my card to pay for my bill {$190.00} approximately, my card was denied. I had used the card the night before in XXXX.
The groceries were put aside and I called Capital One ( XXXX ) XXXX. The customer service rep told me that there were some suspicious charges on my card that she must discuss with me before the card could be used again. We discussed - nothing was out of place.
She then asked me to send a photo, front and back of my drivers license, which I did.
She told me to wait 10 to 20 minutes before trying to use the card again, check my Capital One app and be sure the card was not restricted. I DID ALL OF THE ABOVE.
In fact I waited XXXX minutes and checked my app just to be on the safe side.
I returned to XXXX and proceeded to check out again - CARD WAS DENIED AGAIN.
This time when I called Capital One, each person ( 8 calls in all that day ) told me I needed to send in my social security card, and a utility bill in addition to my license in order to lift the restriction from my card. I asked to speak to supervisors, customer service reps in the United States, anyone who might be able to help, since no one who answers the customer service line has the authority or the ability to do anything except read from their script.
I had travelled XXXX miles from home the previous day - I did not have my social security card or a utility bill.
I was on the first day of my vacation, now with no credit card and no way to lift the restriction that had been placed on my card. No one at Capital One would/could tell me why my card was restricted.
I offered two things in order to lift the restriction : 1. I offered to send a copy of my American passport 2. I offered to pay my entire balance on the spot Neither of these reasonable solutions was acceptable. Offering to pay my bill would have nullified any suspicions Capital One might have had as I would have paid every charge on the bill. I was told by XXXX. ( See below ) that, you can pay the whole bill if you want to, but that wont change anything.
The last person I spoke with at Capital One on XX/XX/XXXX was exceptionally rude, hostile and unprofessional.
Among other comments she said this : You can call a thousand times and the answer will still be the same When I asked to speak to her boss she said this : My boss doesnt talk to customers ; you can talk to another senior account person but theyll tell you the same thing. I have not encountered a supposedly higher level management employee with such a bad attitude, a bad temper, poor social skills, unprofessional and just downright XXXX.
Supposedly her name is XXXX, she is supposedly in Florida, she gave me her supposed badge number.
Fast forward, XX/XX/XXXX I am home. I just called Capital One to lift the restriction on my card by sending in the required documents and was told that I would have to wait another 7 to 10 days for a call back from Capital One to see if the card can be reinstated.
In the meantime, many of my autopay charges have been denied.
My purpose in lodging this complaint is in the hope that changes can be made so that this does not happen to someone else.
I have requested that the processing of my claim be expedited. I have no confidence whatsoever that this will be done.
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07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
Capital One sent the decreased notice of XXXX on XX/XX/2022, one day after I filed the first complaint with the XXXX, a letter informing me that they had decreased my credit on my credit card by XXXX brought my available credit on that card down by half and leaving less than 100 dollars worth of credit available on the card that had the month before XXXX credit line. By doing this Capital One ensured that I could do nothing else with the card that I was already paying thousands on but pay them even more than expected but this time to avoid their overages from fees. All the while they were actively being PAID THOUSANDS OF DOLLARS and sometimes paid more than once in a month all while NO payments were due And Capital One did this because the 0 % offer on the card was expiring at the end of XX/XX/2022 and it looked like I was trying to pay off the card before thenand I did.
Capital Ones corrupt activities among all the other banks that I do business with has decimated my credit limit, score, and overall credit worthiness. All while I was doing everything in my power to bring it up. This is a fraud, and corporate corruption by way of misrepresentation and deliberately misreporting facts, and in the case of Capital One retaliation for overpaying ahead of time. This corruption HAS TO STOP!
XXXX XXXX is to blame for their actions and Capital One is very clearly a stand-alone in the type of bank that they are when it comes to separating humans from their money at the same time their lives and livelihood are on the line by way of their creditworthiness Capital One has proven they are the worst that humanity to has to offer as far as lending institutions are concerned this one is hell-bent on destroying people through misrepresentation of facts and irreparable harm that they can cause they will a persons credit score, credit worthiness and then made worse by the undo penalties received by Capital One who is well paid and need only look at the relationship I had with them to see that there was no need to panic or react in any way to an errant claim on my credit report. There are many other cards that I have that did nothing and I have no complaints about them and they have nothing to complain about me because they too are paid if they are owed.
Obviously I want nothing to do with Capital One but closing the card would further damage my credit score!!!! Because of this corruption, I am forced to do business with malevolent enterprises like Capital One and XXXX XXXX!! It is absurd, that these parasites should have more control over my credit score than even I, or the credit reporting agencies do and only the power to destroy not restore.
I want my credit limit restored without my having to reapply for that credit and further degrade my score for being the victim of an errant reporting in the first place. This is fraud and blatant corruption of the credit reporting system and a means to exert control or diminish a persons worthiness and ability to apply for credit without a concern of how that may affect my score and all the other credit cards in the balance, and this needs to stop. Retaliation for on-time overpayments is corporate corruption, fraud, and misrepresentation.
I want my credit, and my creditworthiness with regard to Capital One restored to a score that more reflects the relationship that Capital One enjoyed by being overpaid sometimes twice in one month. I want the equivalent of no less than XXXX in cash paid directly to me by Capital One. Cash, not credit. I want the XXXX accounts that Capital One decimated to be restored with no less than XXXX in credit placed on that newly restored card for a total repayment of cash and credit of a bare minimum of XXXX.
I want Capital One to see a decrease in their credit limit and FDIC bank score, effective Immediately. Capital Ones bank score should not be restored until they prove they can engage in activities that look more like the other major banks and less like XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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01/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
In XX/XX/XXXX, I contacted Capital One 360 Bank to let them know that my debit card had been stolen and that several unauthorized ATM transactions had taken place. The ATM transactions in question are : Transaction Dates and Amounts XX/XX/XXXX - {$13.00} - XXXX XXXX XXXX XX/XX/XXXX - {$130.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$93.00} - XXXX XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX.
XX/XX/XXXX - {$110.00} - XXXX XXXX XXXX XX/XX/XXXX - {$80.00} - XXXX XXXX XXXX, I was told that I would receive provisional funds back in my account on XX/XX/XXXX, as all of my credit card automatic payments and household bill payments come from this account and I would need to have the provisional credit posted to my account so I would not receive late fees and returned check fees from the institutions in question while the dispute was still being researched.
XX/XX/XXXX came and went and no provisional funds were added to my account. When I contacted the bank on XX/XX/XXXX to ask why, after I received several late fees and returned check fees from several different credit card companies and my utility company ( all of which, of course, Capital One 360 refuses to pay, even though they caused it by not giving me the provisional funding promised by XX/XX/XXXX ), I was informed that I had indeed lost my disputes.
I asked if I could reopen my disputes and was told that I could only after I had a chance to review the documentation that the bank used to determine my dispute. The bank sent me the documentation - and it was at this point that I discovered that the bank did absolutely nothing to actually research my dispute. The documentation was 4 pages long ; the first page consisted of generic reasons as to why my dispute was denied ; the remaining three pages were simply my previous month 's account statement!
After I received this 'thorough documentation ', I called the bank and immediately demanded a re-investigation, as *my card was stolen and these ATM transactions were indeed not mine*, but the bank essentially refused to help me. They claim that on XX/XX/XXXX that I stated that I gave my card to a friend I did no such thing. In the past ( literally in XXXX ), I let a friend borrow my card, whom no longer lives in the state and has since returned my card ( returned it after borrowing it for one week in XXXX ). This friend is certainly not the person that stole money from my account, as they were in California at the time, and I have not seen this friend for quite some time. They purposely misunderstood my statement in an attempt to use it to justify not correcting my dispute. I demand they pull the call and transcribe it, as the transcription will demonstrate a vastly different story than the lie they are uttering.
Capital One 360 has done nothing to assist me. They know that my debit card was out of my possession as of XX/XX/XXXX and still allowed ATM transactions to occur! They know that my card was stolen and that the above-listed ATM transactions were not completed by me, and they still refuse to refund my missing money.
This bank is in breach of contract to me as a customer, as they are legally liable for my funds if they are proven to be stolen. I proved that my funds were stolen and the bank has done nothing to assist me, and as to this day I still do not have my missing funds.
This has got to stop. I demand my stolen money back, and the late fees, returned check fees, and any and every additional penalty fee I had to pay due to the bank not giving me provisional credit as promised on XX/XX/XXXX.
If my money is not returned, I will sue the bank, whether or not the contract I signed requires small claims court or arbitration ( i.e., if the contract requires it, I will first sue in small claims court, and petition the court to allow me to sue in civil court as the bank has egregiously violated our contract first by not returning my stolen funds ). They have done nothing to assist me. Please help me.
|
03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
THESE account are in violation of the law put forth to protect me as a consumer and they are not following the law as it pertains to these financial institutions To whom it may concern ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : CAPITAL ONE ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I see that your agency or financial institution has made a report on my personal consumer report and I ask that you please expeditiously remove this item from my personal consumer report as I have never given you or anyone written permission to write or divulge my personal information to any third party which is a violation of my consumer rights as a consumer 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title ( B ) OPT OUT ( 1 ) in general a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.
15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.
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09/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
It was a capital one credit card and now being collected by XXXX XXXX. I was surprised to see I had a debt with capital one. I had two secured credit cards at one point and as a secured credit card the limit or balance is covered by the security deposit. Security deposit is collateral so that if someone stops paying then everything will be covered by the deposit and both the credit card company and customer is satisfied because the credit wont have to collect a debt and the customer wont accumulate any more bad credit. XXXX XXXX did this same thing to me but they removed it after I called and explained that my balance was covered by the security deposit. I called capital one and was answered with that's not what this credit card does. I signed up for a secured credit card so that I wouldn't have to ever owe and they signed me up with a higher limit then the security deposit covered so it was turned into an unsecured credit card without my knowledge. I had a XXXX limit with a XXXX security deposit. According to what it says about secured credit, the deposit is collateral for whatever the limit is, not partial otherwise it would be turned into an unsecured credit card. The object of the card was to build credit, not have it be closed with a debt that makes my credit worse. I have removed everything off my XXXX but this card. Anyway I ended up losing my job in 2015 and could not pay for the credit card anymore. I was not worried because I knew I was covered by the security deposit and the account would just close out and been paid for by the security deposit. Come to find out my account ended up being overdrafted and stacked with late and overdraft charges. I got the secured credit card to avoid this happening and it still ended up happening and my credit is screwed up cause of it and I cant get another credit card with cap one because I was denied due to this debt. Because I have cleaned up my credit I now qualify for an unsecured credit card and would get the card no problem if I didn't have this on my credit. I don't see the point of giving someone a secured credit card. Having the deal say that the security deposit is collateral then not abiding by the deal and having the security deposit cover only part of the card and then stacking with late fees and overdraft fees. It should have closed with the security deposit covering any and all debts or losses from the card. Those were the agreements that the security deposit would be collateral and everything would be covered aka secured. Secured means covered not partial coverage and not if we overdraft your account with a late fee. It is what it is, the secured credit card is covered by the deposit no matter how much is deposited or what the limit is compared to the deposit. If I wanted an unsecured credit card I would have applied for one but I didn't want to maybe lose my job like it did and have a huge debt. Instead I chose the secured to make sure its covered in case something happens and it can close even. I do not owe this company any money, it was all covered by the deposit and I would like to have it removed from my credit. I also sent in a dispute and never received a response instead " XXXX XXXX '' showed up so all they did was change to a different collection after I disputed which voided the dispute. I used XXXX XXXX to dispute everything on my credit and everything was disputed and I saw capital one removed then all of a sudden show up as XXXX XXXX. Another tisk tisk cause I don't know if they could validate the debt or what but not answering then just opening a new account under a different name so they could try to collect something that was already disputed with no response is low especially when the entire debt is just their own fees so I don't owe anything. If they were to clear this from my credit I would get another card with them and build a new relationship. A secured card is a secured card. I received an unsecured card if the card wasn't covered by the security deposit.
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08/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have been a CapitalOne cardholder for over a year, paying on said card perfectly. In fact, the bank has increased my limit ( at no request from me ) more than once due to my perfect payment history. In XXXX 2019, I was the victim of identify theft for which cards were fraudulently applied in my name at XXXX, CapitalOne, XXXX, etc. I have placed fraud alerts on with all three bureaus. On XX/XX/XXXX, I received a letter from CapitalOne stating my existing card had been closed with NO explanation. I immediately called to inquire as to why as I had paid perfectly. I was told it was due to returned payments, which was false as I know my payment history, and then told that a Secured Card had been opened fraudulently in my name ; therefore, they closed my existing card as well as a precautionary measure. I was told at that time by XXXX, a Fraud Dispute Manager, that my card would be re-opened and that I would receive a letter within ten days confirming the re-opening. She also indicated the Secured Card would be marked as fraud so that my credit would not be affected in any way. After hearing nothing for more than ten days, I called Customer Service on XX/XX/XXXX. After nearly an hour on the phone explaining the issue to the rep and hold time while he researched, the call was disconnected and no one had the professional courtesy to call me back. I called later that same day and spoke with a Fraud Dispute Manager named XXXX. I explained, yet again, the issue that my card had been closed and that I needed access to my card as I was leaving the country in less than a week for vacation. She assured me she would look into why it had not already been re-opened and that she would personally follow up on the issue within a few days. On XX/XX/XXXX, I called again and spoke with XXXX, another Fraud Dispute Manager. She indicated she would update the reason code to reflect fraud on the Secured Card that was opened in my name and confirmed that a re-open request was submitted on XX/XX/XXXX. Im unsure as to why she could only see one re-open request being that I called back in XXXX. XXXX advised she would submit another request to re-open my existing card but that she wasnt sure it would be opened again. I explained it is not right that my card hasnt already been re-opened due to the fraud that was out of my control. On XX/XX/XXXX, having heard nothing further, I called and spoke with a gentleman whose name was unclear when he picked up the call. He was another Fraud Dispute Manager. After explaining my issue and continued frustration, the call was disconnected at about 17 minutes into the call. I waited a few minutes and he did not call me back to resolve my problem despite verifying my cell was a good call back number. I called back and XXXX, a Fraud Dispute Manager, took my call which totaled about 35 minutes ( employee ID XXXX ). After much research, she indicated she identified the hiccup and that the Secured Card was never actually closed as fraudulent ; therefore, the re-open requests had been ignored. She stated she would personally have it updated to close as fraud, and that she would personally follow up with me within 7-10 days. She believes my card will be re-opened 7-10 days after that. CapitalOnes supposed Customer Service needs an overhaul. When a call is disconnected, the rep should have the professional decency and the ability to make an outgoing call ( one rep informed me they didnt have access to outgoing lines ). No one has taken ownership of the issue despite repeated promises to me over the phone. I have spent several hours on the phone trying desperately to resolve this issue and I am fearful that the closure of my existing card is steadily affecting my credit score. I am in the process of buying a home, and if this affects my credit score, I will have no choice but to file suit against CapitalOne for my damages. I have attempted to send a letter but no where can I find a dispute resolution or complaint department on their website.
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01/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2018 I called my bank Capital One 360 to dispute a debit card transaction that posted to my account on XX/XX/2018 in the amount of {$1500.00}. The transaction was completed via XXXX XXXX between myself and the merchant XXXX XXXX. I advised that fraud had occurred as I never recevied the procured services and that I had attempted to reach out to the merchant via cell phone for refund as well as attempted to request refund of erroneous deposit paid out via XXXX XXXX to no avail. I had advised that disputing via the bank was my last resort.
I was told no problem and that my issue would be looked into and they would get back to me once a decision had been made. While waiting I for results I called on several occasions to check the status.
On XX/XX/2018 I receive an e-mail, not a phone call but an e-mail stating my dispute was closed and they found in favor of the merchant based on document provided. I was shocked surprised and appalled as I know there is no way XXXX XXXX provided any proof of services because services were never completed and I have proof to reflect same.
On XX/XX/2018 I called back in to Capital One to attempt to speak with someone who was informed of the situation and could provide me with information regarding the rationale for it's investigation outcome. The representative in the dispute department stated he was not fully aware of what occurred and why this was the rationale. He stated he could request copies of the evidence documentation leveraged to make the decision. He continued to state the merchant contacted was XXXX XXXX and nothing from XXXX XXXX. I had advised that I was angry because Capitalone never requested evidence documentation from me that would show proof that the procured services were never rendered to me. The representative advised that I could send in the documentation and ask that the decision be reconsidered. I then asked to be called back from someone who could truly speak from a place of understanding who could explain the decision rendered to which I never received.
I spoke also to a supervisor who then explained that they do not dispute transactions made via mobile payment applications to which I became furious as this was not explained to me when I called in and initiated the dispute.
On XX/XX/2018 I sent in the additional information proving that no services were rendered and to have the decision reconsidered. I called in afterward to confirm receipt and was told it would take 48 hours for the information to be received and processed to my account for further viewing.
On XX/XX/2018 I received an e-mail containing the evidence documents provided by XXXX XXXX/XXXX leveraged to make the decision. The documentation doesn't show proof of services rendered further more XXXX XXXX did not provide additional evidence where the same platform was used to request the funds of {$1500.00} back stating the deposit was erroneous ( that they cancelled unfairly because I filed the dispute ), nor did it advise the bank that I had attempted to report the transaction as fraudulent via the support portal within the XXXX XXXX application on several occasions that they failed to investigate on my behalf.
XX/XX/2018 I receive an e-mail from the capitalone fraud investigations team stating that my additional documentation had been received ; however to refer to the e-mail provided on XX/XX/2018 stating their position to side with the merchant.
I was absolutely crushed as I thought the bank would be on my side especially when it comes to matters of potential fraud. Despite the fact that I provided additional evidence reflecting that XXXX XXXX did not provide hollistic evidence regarding the transaction the bank still did not even take steps to reconsider ; this even though I wasn't provided accurate information at the onset of the dispute process nor did the bank care enough to have someone on the investigations team call me as I requested. This bank doesn't appear to be on the side of the consumer.
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09/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
My car began overheating so I had it towed to a mechanic that was recommended by a oil change company which happened to be fairly close to where my car began overheating. After a number of days of inspecting and diagnosing the problem I was contacted and told that there was a leak in the water distribution assembly and needed to have the gaskets replaced. The repair would be roughly {$600.00}. I agreed to have the repairs completed ; I received a call a few days later and was told the repairs were made however, there was a piece of the radiator that broke off and now the radiator needed to be replaced. They expressed that they only use genuine XXXX parts and the total cost of the original repair and the additional repair was roughly {$1500.00}. In addition, I was charged for repairs on the invoice that were clearly listed on the same invoice as deferred services. Once I picked up the car, I noticed that the check engine lights came on again and took the car back to the mechanic. They said the codes were the same from the original repair and must not have been cleared, so they cleared them and sent me on my way. A few days later, the check engine light came on again. I called the mechanic and was told that it would be 3-4 days before they would be able to look at the car again, fear of the car overheating again, I took the car to XXXX, the manufacturer. I requested a complete inspection and diagnostics, and was told that the radiator needed to be replaced and that its impossible for a genuine XXXX radiator to bust at the seams and leak antifreeze in less than year of usage, certainly not within 1 month. I paid for the repairs through XXXX and disputed the transaction from the previous mechanic because they did not perform the service as requested and agreed upon as well as charging for additional services that were declined.
Upon disputing the transaction, the dispute was first declined without requesting any information whatsoever from me, the customer of Capital One and the person filing the dispute. Within that same document denying my dispute, Capital One said if I wanted to continue this dispute I should send a signed and dated letter along with documentation proving that the work was not completed as agreed.
I addressed and provided details, video from the XXXX technician showing the radiator which was replaced by the first mechanic, leaking antifreeze at multiple points on the seams of the radiator. The new radiator which was described by the first mechanic as a genuine XXXX part, is leaking within 30 days of installation. The XXXX mechanic also concluded that this could not be a genuine XXXX radiator that was installed. I also provided the inspection report from XXXX stating that the radiator needed to be replaced, invoice of the radiator replacement, completed by XXXX and paid by me ; a timeline and additional notes of what occurred. The invoice/inspection document from XXXX, is clearly provided on a XXXX inspection document. These documents also have the company 's pre-printed letterhead listing the name and address of XXXX. Also, based on the document provided by Capitalone, It was to conduct an investigation and to allow 10 days for the investigation to be completed. Capital One noted that they received my documentation On XX/XX/2019, and the document it provided telling me my dispute was closed, was also dated for XX/XX/2019. Highly unlikely that any investigation was conducted. Especially since certain information proving breach of contract is listed on the second page of the agreement ; the merchant also did not provide all pages of the contract, nor did I receive it. Furthermore, Capital one is supposed to be submitting this dispute to Mastercard on my behalf ; however it doesn't appear that they are or want to. Nor are they concerned about protecting its senior customers from unethical merchants making charging its customers for work not completed and parts not provided and using the Mastercard as a vehicle to do so.
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09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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FOR CAPITAL ONE LEADERSHIP TO READ IN ITS ENTIRETY I began reaching out to Capital One on XX/XX/XXXX to get the amount due on a charged off credit card. This card was previously included in a bankruptcy ; then when the bk was dismissed ; it went directly into charge off status. On XX/XX/XXXX, I called Capital One and set up a payment plan and started having payments auto drafted from my account monthly. I have been in the process of trying to purchase a home so I needed to get the actual amount owed on this account. On XX/XX/XXXX, I called Capital One and asked to get the amount owned on this account because it had not been updated on my credit report. I also mentioned that I would like to pay it off. I was transferred to someone in the disputes dept.. They mentioned that they would updated the report with the correct amount owed. I then asked if I could pay it off ; they told me no ; I needed to wait until the credit reports updated. I asked them if they could expedite this ; XXXX I needed it so I could close on my home. She said she would expedite it it ; but it probably would be done until the next day.
I called back on XX/XX/XXXX to have them stop the dispute so I can just pay it and get the letter so I could give to my mortgage company after XXXX XXXX. She put me on hold ; and came back to tell me that the dispute had already been submitted. I was upset ; but I still wanted to pay the balance of {$260.00}. She began to tell me that needed to wait 22 days, then 15 more days ; etc. I explained to her that I needed this ASAP because my home depended on it. She told me there was nothing she could do. I asked to be transferred to someone back in disputes because this was not what I told before ( I was told that they could expedite the letter given the circumstances ). She insisted on transferring me back to the same rep who did the dispute ; no one answered ; so I left a voicemail, no one ever called back. On XXXX I had my closing day ; I ensured my mortgage broker that the update would take place soon and the amount due was {$260.00} and it would be paid by the end of the week. I explained the them the what happened and I was waiting for a call back. Soon after that ; I received an alert on my phone showing that my credit score had dropped by 22 points. At the exact same time ; the lender was doing one final check to ensure that all was a go and they also saw the drop in my score. We went through and analyzed my accounts and what we found was a status change that stated the account was now in past due status ( not showing that any payments had been made ). It now shows charged off - written off - collection account past due within the last 60 days. So it looks as if this is a brand new charge off AND collection. At that time ; the lender pulled the deal. I called Capital One back in tears. I asked what happened ; they told me they updated the amount due ; however I explained to them that it looks like this reset and restarted to hurt me all over again. I was transferred quite a few times that day ; apologized to over and over again, until I spoke to and account manager named XXXX. I asked if there was something that could be done to reverse the damage ; there was nothing. I paid the account off finally. I was sent the pay off notice this morning via email as promised.
What I would like to make clear to whomever reads this is the following : I made every attempt to pay this debt even as it was in charge off status. I volunteered to pay this off even when it showed on my mortgage report " profit & loss '' account. No one ever had to chase me or call me to get paid ; I just paid it with no hesitation. All of these attempts were just to get the correct information and pay it off ; so I could get my home ; that was it. My dream was shot because I made a decision to do the right thing. I'm asking Capital One to do the right thing and remove this from my credit report and let me move on with my life. The damage has has already been done.
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12/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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my name is XXXX XXXX, DOB XX/XX/XXXX, SS # : XXXX. My telephone number is XXXX I would appreciate someone calling me to discuss this matter further than what I have written here as there's so much more information I can provide.
On XX/XX/XXXX I received a email message from Capital One Bank at XXXX XXXX. The email letter stated that they would be closing my account abruptly because of a breach of contract. On the same day I had found out that I was XXXX XXXX XXXX and had been XXXX for days. even though I was XXXX XXXX I contacted the bank to find out what was going on and why my accounts were locked down. I was told by the representative at that point that they could not give me any information all they knew was that the account was hacked by the black web and that when I signed the agreement to have a checking account which was 15 years ago in the agreement was notification that they could close my bank accounts at any time. You can imagine I was very upset not only because they left me with absolutely no money or a debit card or a credit card or anything, I was XXXX, and told that they could not help me that my bank account was closed. It is XX/XX/XXXX and I still am fighting with the bank for my own money that I worked hard for and have not XXXX XXXX to even get my prescriptions or food for my XXXX-year-old and the bank says we can't help you. Today I found out that my son 's government check was being withheld and the bank is not allowed to do that past two days. It is now the eighth day I have no money, no ATM card, no savings account no checking account as the bank is withholding over {$3000.00} of my hard-earned money and I can't get anywhere with this Bank. They will not respond to phone calls they have given me phone numbers that are no longer in service and they refuse to return my money or give me an explanation of why they closed my account abruptly. I opened this account of very long time ago and I do not remember the agreements I signed that they say I signed and I believe that I wouldn't assign something that said that they could abruptly close my accounts with no notification. This has going on entirely too long ; I have covid I am very XXXX I have no money to get my prescriptions and if I die that bank will be owned by my XXXX-year-old son who now will have no XXXX this is a disgrace this bank has put me through living XXXX since XX/XX/XXXX and they do not care all they care about is if there is a {$99.00} charge on my account if I made the charge or if a hacker, which I know happened, made the charge. they told me that I would have my cashier 's check no later than XX/XX/XXXX and it's XX/XX/XXXX and I've not received anything from this Bank. Capital One has caused more XXXX on my already XXXX XXXX than any person has ever in my life. I am being targeted by a bank over something that I have no idea what took place and I can not get a hold of my own money to take care of personal business that must be done in order to keep me alive. What recourse do I have as a client to Capital One Bank in order to get my money out of their bank accounts that they have put a block on that no one can touch including me the owner. I currently have {$1600.00} in my checking account that can not be touched of that money {$810.00} is my son 's social security check that he gets each month that the bank is withholding and it is it is against the law. Under Pennsylvania social security law a bank is not allowed to hold funds in their account past two days it is now 8 days going on 9 days. I contacted the social security office they were infuriated to hear of this news and told me to contact the bank and tell them to return the money to them so that they can give me the money you know what I was told nothing they told me to hold on and someone would be with me after 47 minutes on hold I was disconnected this is a disgrace. Please advise me of my rights and regulations under state law regarding fraud by the bank, CAPITAL ONE N.A. XXXX.
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06/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Notice of Billing Error This notice is to inform you of Capital One failing to credit properly other credit issued to the consumers account. The consumer requests for additional clarification as it pertains to an alleged amount owed by me the consumer to XXXX XXXX in the amount of {$2000.00}. I am requesting documentary evidence in the form a copy of the indorsed Consumer Credit Application which was deposited on Capital Ones books that consummated the said account and the matching bookkeeping entries on Capital Ones General Ledger of the deposit of the Consumer Credit Application. Please take notice that omitting the requested documentary evidence is a deceptive act since the documentary evidence is necessary to prevent the consumer from being misled. Capital One knows or should know that the consumer needs the documentary evidence to evaluate the product or service.
Attached you will find an account statement from Capital One with a statement balance of {$2000.00} for the month of XXXX. The said credit balance is in an excess of {$1.00} and was created in connection with my consumer credit transaction. Whenever a credit balance is in excess of {$1.00} and is created in connection with a consumer credit transaction, Capital One must credit the amount of the credit balance to the consumers account, refund any part of the amount of the remaining credit balance, and make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account.
Going forward please credit to the available credit portion of my account any credit balance in excess of {$1.00} that was created in connection with my consumer credit transaction and refund the consumer by way of check for any part of the amount of the credit balance remaining in the account on a monthly basis in accordance with the billing cycle. Please make the appropriate notes for the said account in order to prevent any deprivation of consumers rights. Also, if necessary, in order to assist Capital One with the appropriate treatment of excess credit balances please explain to me the consumer how the item on the bottom portion of the account statement can be endorsed in a properly negotiable form in order to extend credit as payment to the said account.
I the consumer have the right secured and protected by the Laws of the United States to withhold the disputed amount meaning I do not have to pay, and you may not try to collect any portion of the disputed amount. You can not ( directly or indirectly ) make or threaten to make an adverse report to any person about my credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. You shall not accelerate any part of my indebtedness, restrict, or close my account solely because I the consumer has exercised in good faith rights provided, protected, and secured by the Laws of the United States and Constitution.
You by law have 30 days after receiving this billing error notice, to mail or deliver written acknowledgment to me the consumer. You by law have to mail or deliver to the consumer an explanation that sets forth the reasons that you believe that the billing error alleged by the consumer is incorrect in whole, furnish copies of the requested documentary evidence of the consumer 's indebtedness, and if a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. You must comply with the appropriate resolution procedures within XXXX billing cycles and no later than 90 days after receiving this billing error notice. If Capital One fails to comply with the applicable requirement they will forfeit any right to collect from the consumer the amount indicated. Non-Compliance will result in you forfeiting any right to collect from I the amount above indicated.
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02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Lawsuit Filed in XXXX District Court on Friday XX/XX/XXXX and verified by XXXX XXXX, Court Clerk.
I XXXX XXXX XXXX XXXX, am suing CAPITAL ONE for violating XXXX XXXX CAPITAL ONE IS Claiming monies that is not rightfully theirs and imposing significant amount of stress and XXXX that has significantly affected me, my relationships and my business financially and cost me a lot of time and money I will never get back. TORTS LAW ( Definition : A tort is an act or omission that gives rise to injury or harm to another and amounts to a civilwrong for which courts impose liability. In the context of torts, " injury '' describesthe invasion of any legal right, whereas " harm '' describesaloss ordetriment in fact that an individual suffers. ) I am also suing for what appears to be potential bank fraud, wire fraud and attempted deception of debts owed. CAPITAL ONE has never presented an Original Signed Copy to review and verify by myself or the XXXX Court. They have attempted to steal my hard earned money without a Signed Contract by myself and their President or Owner of their business. Violation of Fair and Accurate Credit Transactions Act and Credit Card CARE Act.
I believe CAPITAL ONE mishandled my private information like my social security number, address, phone and email and possibly gave access to third party agencies and collection agencies and /or hackers who gained access unlawfully to my private information and may be still misusing my information.
I believe CAPITAL ONE mishandled my private information and accidentally released it to unauthorized 3rd party agencies without my consent or authorization. Violating Consumer Credit Protection Act of XXXX.
CAPITAL ONE has continuously failed to answer my questions during the discovery process of their lawsuit towards me such as ; What happened to my private information? Did they mismanage my social security number? How is my private information being used? How was my information used in the past? How did they monetize my private information? Where is the signed contract they sued me about? Was my private information hacked when they experienced their cyber attacks where Millions of customers information was stolen during a data breach?
I am also suing for Torts Law for Defamation of Character. They have made numerous negative remarks on my credit reports significantly lowering my credit worthiness that has prevented me from being able to buy a vehicle, buy another home and even qualify for loans to grow my business costing me over a {>= $1,000,000} in lost revenues. They have hurt my reputation as a person and it has directly affected my business as well. I demand they make me whole financially and repair my credit reports effective immediately. Violation of Fair Credit Reporting Act.
I demand all my monies be paid back in full 3X times the amount collected and/or requested by the creditor at treble charges, Plus {$74000.00} fine for mishandling of my private information that has resulted preventing me from building wealth and growing as an individual and for the emotional harm they have caused me.
CAPITAL ONE has failed to provide an original copy of the signed credit card agreement between XXXX XXXX XXXX XXXX and CAPITAL ONE President and Owner on monies CAPITAL ONE Claims are owed. I demand a complete payment in full for all harms caused by Capital One and all my court fees and lawyer costs. CAPITAL ONE has violated my God Given Rights as a Natural Man, they have breached my peace in the manner they have conducted business, they have violated my Natural, Consumer and Constitutional Rights to secure my documents and person. Capital Once misused and mishandled my sensitive private information, made negative remarks on my credit report and caused me significant financial hardship, XXXX and emotional harm costing me over {>= $1,000,000} in lost revenues. I demand a payment of {$74000.00}.
I AM THE ORIGINAL CREDITOR OF THIS ACCOUNT PER U.S.C. Codes Sincerely, XXXX XXXX
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08/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
On XX/XX/2018 I had gotten a check from my mother for XXXX dollars. The check was on hold and then had cleared on XX/XX/2018. During the time of my check being deposited the next day my checking account was on restriction because of the deposit. I had no idea until I logged onto my capital one account and notice that my funds can not be used until verification of the activity which i understand in protecting me. I had called this morning around XXXX XXXX EST and been on hold for 1 hour and 57 mins and 23 seconds with capital one. Once I finally got a hold of someone on the security team, the woman at first was professional, she asked questions about where I got it from I said its my mother and verified her name and her address and gave her her new phone number. The problem starting to occur when she still refused to remove the restriction off my account. Clearly I answered everything correctly. On top of that my mother is here with me visiting. My parent 's are divorced and my mom is re-married. I never had a problem with depositing personal checks at all until today with trying to remove this restriction. I was told my account can close unless my mother talks with her and XXXX which is who she is currently banked with.Yes, my mother declined because she does not see what is the point when the checked cleared and it's from her. She feels like her identity is being put at risk because this lady whom I was speaking with kept asking questions about why she signed on the memo line when it's not a big deal. Throughout my previously years with having any bank account I never had a problem with wanting to verify a check especially when the check that I deposited has cleared and its been 2 weeks heading into 3 weeks now. The woman is acting a bit rude and harsh and saying she not going to remove the restriction and saying oh the phone number provided does not go to her. First and foremost that's my mother new phone number of course its not going to update right way when she just got it like less than 3 days ago. This is really ridiculous to keep my money away from me. Capital one is a disgusting bank and does not simply care at all. I verified my mom name and her address and the amount on top of that even her bank even the date that I deposited and what's it for but of course she agreed she sees all the correct information being verified and she wanted to know whats the money is for and what is it going to be used for when it's none of her business on what I do with my life. Not just that I even told her I protect my IP due to in the past of being remotely hacked on my XXXX notebook so VPN is what not just myself uses but millions of people uses to protected their IP. Just because my mom is a tad bit XXXX and did not have her glasses to where she did sign her name on the memo line shouldn't raise a red flag. Im pretty sure theres thousands of people who does that. Make it worse. I even told the woman I will be filing she then want to fire back rudely and say " well your account going to close because I cant verify her and she wont talk to me and all of this is red flags and you did not answered my questions. '' You can not dig into someone else personal life and getting their information. That is fraud to do that. My mother is not a consumer of capital one, I am. We have rights to protect ourselves and by law no one can not even hold your funds at all until the check clears. In this case the check did clear. In the past when I deposited a personal check form my sister I never had to go through this at all. When my sister in the past told me her account was negative I immediately phone capital one informing them as a good consumer will do to maintain a healthy relationship. I don't know if this woman wanted my mom social security i don't know but I do not trust her sounds like she can be the one trying to commit identity theft or what. In the past another rep removed after verifying the check and the deposit amount without issues.
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06/19/2016 |
Yes |
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Web |
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Please look to the enclosed document to explain the rest of issue. Then came the CREDIT CARD bill from XXXX which was a month behind from the accounts and we noticed right away over {$600.00} worth of issues and let XXXX know. We told XXXX and they were suppose to look into it and get back to us. Around XXXX 2012. We had a lot of business stuff going on and other things and cause of all the issues I decided to go the SECURED route way of getting XXXX small CAPITAL ONE CREDIT CARDS with {$600.00} deposit on an {$800.00} card, {$400.00} deposit on a {$600.00} card, {$200.00} deposit on a {$200.00} card and {$400.00} deposit on a {$600.00} card. {$1600.00} deposit and {$600.00} line credit from CAPITAL ONE. And we had a XXXX card {$200.00} deposit on {$300.00} credit, {$100.00} credit line from XXXX. With all the issues we were having we felt this would he a safer bet, XXXX secured cards between XXXX of us, small incriments with deposits made by us. Right from the get go there were major issues with CAPITAL ONE. Not only will me phone records show, but XXXX was witnesses on many many occassions., but anytime I made a CAPITAL ONE SECURED CARD payment it was senf from a CAPITAL ONE BANK account. Evertytime I made a payment I did it over the phone. And everytime ( 25 times or more ), CAPITAL ONE SECURED CARD confirmed the payment went through card was ready to use. In every instance, when trying to use the CAPITAL ONE card, it would not work, funds were not there, to pay bills, groceries or gas, or going out to eat and finding out your money not there. I would have to call CAPITAL ONE CREDIT CARD back, they would have call CAPITAL ONE BANK, so it was not only the one phone call to make my payment, but I would have to call up to three times just cause payment oddly kept falling off the card even though they said it was there. It would disappear causing extreme situations and the time consumption was ridiculous. As well, in XXXX 2012 robbery I be discussing, someone stole XXXX of our XXXX cards and tried to use it, the merchant was the one to notify us of this. And, this happened three times while we had these cards. As well, we received a CAPITAL ONE CREDIT CARD for a XXXX attached to my account that we never authorized. We not only never missed a payment, in fact we paid full balance each time. We ended up speaking to someone in FRAUD over the weird card showing up and the fact people were using our cards without permission and we decided to close all CAPITAL ONE CREDIT CARD ACCOUNT DOWN. The headaches alone of spending 5 to 10 hours a week dealing with calling over the deposit disappearing and us being out places looking like idiots was enough in itself to close cards. At the time WE HAD NO MONEY OWED ON CARD, we put {$1400.00} secured down on {$1800.00} credit. When cards were closed we were owed {$1200.00}. Instead CAPITAL ONE put all XXXX cards in collections, and here is how you can immediatly identfy their error. They reported each card at the exact dollar amount the card had value. So if the card was {$800.00} card, {$600.00} of that was our secured deposit. So why would they put in collections we owed {$800.00}, and how come each card was rounded off to the exact dollar amount the card was worth. So we are suppose to believe if there was any last minute charges coming in after we closed accounts, they just so happened to add up to {$800.00} on the nose dollar and cents. All XXXX cards. This has caused severe damage to XXXX peoples credit. And they are still dinging our credit. This has cost us so much heartache. We have tried to contact them several times, we never had a missed payment and they owed us a balance. To this date, CAPITAL ONE SECURED CARD has not only refused to respond, but refused to show proof. They knew we were idenity theft, they knew we had issues with payment dropping and peeople we did n't know trying get cards on our account. These issues with CAPITAL ONE SECURED CARD have in 4 year time cost us an
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07/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
CAPITAL ONE XXXX {$1600.00}
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02/05/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Hi, I experienced extensive debit card fraud that Capital One has inaccurately determined to be non-fraudulent. I experienced the debit card fraud in another state, and have several open police cases regarding that fraud. The detective currently has video surveillance of the fraud occurring. While this was happening, I was regularly using my own debit card in my home state ( MA - see starred* charges from forwarded email ). Somehow, Capital one has reported all of those charges within that time frame as fraudulent, even though some of them were not supposed to be reported ( the ones in Ma ). They still shut off the Lowes purchases after a few successful attempts, so no doubt it triggered some fraud flag.
Capital One has said they are denying my claims and will not respond to any more correspondence, so I am reaching out to you directly.
Please see my forwarded email from capital one showing the charges they said I reported fraudulent and the list of fraudulent charges I supplied to the detective. This took hours and hours of research on my part to find this information and I am incredibly disappointed with Capital Onea response. I have three open checking/savings accounts and a credit card with capital one. It is clear that I make and spend enough money to cover whatever purchases I want to make legally. I reported all of this to Capital One and the police on XXXX.
Here is the list of actual fraudulent charges sent over to the detective : Successful Purchases : ( 1 ) XX/XX/XXXX @ XXXX : XXXX # XXXX - XXXX XXXX XXXX ( XXXX XXXX XXXX, NC ) : {$11.00} ; XXXX XXXX across the street has video surveillance of the parking lot ; online order ; ( 2 ) XX/XX/XXXX @ XXXX XXXX # XXXX ( XXXX, NC ) : {$2700.00} ; 300 roof shingles ; signed as " XXXX XXXX '' ; emailed receipt with sales #, XXXX ID, and Invoice # attached ; thinking maybe they purchased at lumbar ; manual key in debit card entry ; XXXX PD Case # XXXX ( 3 ) XX/XX/XXXX @ XXXX XXXX # XXXX ( XXXX XXXX XXXX, NC ) : 2 vacuums and a microwave - {$1300.00} ; used two cards, other with extension XXXX ; also signed with name " XXXX XXXX '' ; XXXX Case # XXXX ( 4 ) XX/XX/XXXX @ XXXX XXXX 'XXXX # XXXX - XXXX, VA - last successful purchase Attempted purchases ( unsuccessful ) : ( 5 ) XX/XX/XXXX XXXX : XXXX # XXXX ( XXXX XXXX XXXX. XXXX, NC ) : {$1600.00} ; XXXX PD Case XXXX ( 6 ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, NC ) : {$1700.00} ; XXXX PD Case XXXX - 3rd attempt at same store ( 7 ) XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX, NC {$900.00} I confirmed with XXXX 'XXXX national customer service that these transactions were MANUALLY ENTERED, and I have receipts as proof that I got from the Customer Service Department. I've also attached Surveillance footage stills of the people who made these purchases that I received from XXXX, NC police department/detectives.
Please let me know what my next steps are here. I've probably already spent well over 40 hours trying to have this resolved, so please let me know if you can help in any way. Thank you in advance.
Best, XXXX XXXX XXXX -- forwarded email from Capital One, note that I starred the reactions that were NOT FRAUDULENT AND PURCHASED LOCALLY -- - " XXXX XXXX, We received your message about your dispute. On XX/XX/XXXX, we let you know your dispute was closed because we didn't find any errors during our research.
As requested, here are the attached docs used to make our decision about the dispute for the following transactions : Transaction Dates and Amounts XX/XX/XXXX - {$1300.00} - XXXX XXXX XX/XX/XXXX - {$2700.00} - XXXX XXXX XX/XX/XXXX - {$5.00} - XXXX XXXX XXXX *** XX/XX/XXXX - {$4.00} - XXXX XXXX XXXX XX/XX/XXXX - {$2.00} - XXXX XXXX *** XX/XX/XXXX - {$11.00} - XXXX XXXX XXXX XXXX We understand this isn't the resolution you'd hoped for, but we consider the charges valid and due as billed. We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute.
"
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12/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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An FTC complaint against Kohls Department Stores alleges the retailer violated the Fair Credit Reporting Act by refusing to provide victims of identity theft with complete records of questionable transactions a right the FCRA guarantees to victimized consumers. The {$220000.00} settlement is a reminder to other companies to rethink their approach to that provision of the law.
The FTCs allegations start with the plain language of Section 609 ( e ) of the Fair Credit Reporting Act, but it boils down to this. Lets say a consumer spots unauthorized charges or lines of credit that suggest theyre victims of identity theft. To put the puzzle pieces together, theyll need copies of documents from the businesses where those transactions occurred. Once a consumer asks for those documents, Section 609 ( e ) gives businesses 30 days to provide the records. The law allows businesses to require proof of identity ( like a drivers license ) and proof of the identity theft ( like a police report and affidavit ), but the whole idea behind the provision is to avoid re-victimizing consumers by tying them up in red tape.
Kohls original practice was to provide records to victims within 30 days, subject to proper verification. But according to the FTC, in XX/XX/XXXX, Kohls changed its policy and would share information identifying the identify thief only with law enforcement or with a victims attorney not with the victimized consumer.
In XX/XX/XXXX, Kohls changed its policy again and gave customers with a Kohls charge account a more expansive list of business and transaction records for example, statements, receipts, and applications. But Kohls still refused to give them information identifying the alleged thief ( including the address and phone number listed on a fraudulent application or the shipping address used for fraudulent orders ). Kohls also stopped providing that information to victims attorneys. That left victims with only one recourse : a direct request from a law enforcement agency.
According to the complaint, the companys revised policies left consumers with no practical way to get the documentation they needed to establish the charges werent theirs. Whats more, people whose lives had already been turned upside down by identity thieves now found themselves at odds with Kohls. Even when consumers complained to Kohls and sent the company copies of Section 609 ( e ) of the FCRA and accompanying FTC guidance documents, the complaint alleges that Kohls stonewalled them.
It wasnt until XX/XX/XXXX that Kohls finally re-re-revised its policy to provide victims with the credit application and transaction records they asked for. The complaint charges that Kohls violated the FCRA by failing to provide consumers with the records they had a right to under the law. The FTC also says the company violated Section 609 ( e ) s 30-day requirement. In addition to the {$220000.00} civil penalty, the settlement requires Kohls to provide identity theft victims with business transaction records related to the theft within 30 days. The company also must post a notice on its website letting victims know how to get those records and must certify that its reached out to victims who were unlawfully denied access to those records in the past.
In reconsidering your own companys compliance, take a close look at the FCRA, of course. But also view your procedures through the eyes of the millions of Americans who have been victims of identity theft including your friends, family members, and employees. How would you want them to be treated as they undertake the all-too-arduous task of reclaiming their good name in the aftermath of identity theft? In the long run, implementing a consumer-centric approach to Section 609 ( e ) compliance has two benefits for your business. First, it can keep you off the law enforcement radar screen. Second, by treating victims of identity theft with sensitivity and respect, you just may win a loyal customer for life.
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11/13/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Capital One Bank USA & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company.
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
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01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I went to purchase a vehicle at a dealership in XXXX New Jersey, and did all the paperwork got it all finalized gave them the down payment and then the dealership wasnt doing with this post supposed to do with the ad said they were going to do so I backed out of that deal. Cancel that deal with agreement by the owner and manager, they agreed to cancel it as well upon a mutual agreement they had no problem with it and they refunded me my down payment now the loan was already approved and the approval would last for the next 30 days from the time of approval which was XX/XX/XXXX. The loan approval and terms were good for 30days. If I found another vehicle within 30 days, that loan would just carryover to the new found vehicle, and the loan terms would be the same I didnt need to apply again and doing all of that on the application. The application was good for 30 days. Well a couple days later I found another vehicle, the same vehicle, the same state, same area, but a different color and the same price. I was supposed to get the loan terms that I was still valid with for 30 days because its only been a few days and they did another application auto loan, as if the first one had expired it didnt it was still affect. Capital One decided to ignore the first loan that I already had in place which I was supposed to be using to open up a new one so to their system it looks like I have an order loan out already I just got and now Im going to another one which would be a second all alone for the same thing so my interest rate almost doubled because its a higher risk and the payment almost doubled. It went from {$380.00} for 48 months to {$530.00} for 66 months and all because they knew that applying for another loan would make the interest rate higher and make the payment higher. No I was told by the dealership and buy them that they would adjust it when they call me at home theyre gon na call me and theyll take care of it then, they never called. So I called them in the act like they didnt know what I was talking about so I got stuck with a higher interest rate almost double a year and six months more of payments a payment wouldnt half times the amount of the first original payment which I shouldve been keeping because it was the same vehicle same price just different dealerships in the states and within a weeks time so they kept the first one on there so that they could charge me a higher interest rate for the second loan, when I did really didnt have a first know because the first loan fell off and expired in 30 days and they knew this before they did it but they wouldnt fix it because they knew they did it on purpose and I got ripped off, set up to play pay double with the car cost and just interest rate and payment length in amount and I want my money back that I paid all that interest because I was promised a loan that was already proved and in effect, and they choose to deliberately process another auto loan as if I was keeping the first truck and they know that the first one was canceled and by the dealership and by the owner and the sales manager we all agreed on it. I never took delivery of the vehicle at all. I never drove. It never moved it. Its the second vehicle I got a few days later it shouldve been under the first loan thats what the whole purpose of me finding one before 30 days was about but then they just added it as its the second one so now Im paying for having a car loan that I really dont have but just in their system and they wouldnt change it, because they make an XXXX money offer me my interest rate went from 13 % to mid to high 20s! And payment but almost doubled all because they were applying me over again knowing I didnt have another auto loan that was the only one they wont be refinance a vehicle thats against the law but they get it anyway and Im still paying for it now. When should Ive been paid for I end up paying {$15000.00} more interest on a {$15000.00} car total and over {$32000.00}.!
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09/30/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
Older American |
I have sent the below letter to XXXX XXXX XXXX XXXX XXXX NC and FAXed to Capital One. XXXX XXXX XXXX gave me three different FAX # s and blocked the emails. Please read the body of email sent today at the end of this complaint. I am at loss. They refuse to made a valid agreement and are attempting to get a judgement by default. My phone is XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX my SS # is XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX NC Via FAX # XXXX email : XXXX Dear Mr. XXXX and `` XXXX '' ( your representative?? ) at phone XXXX XXXX I received the about Civil Summons and immediately called your phone @ XXXX XXXX on or about XX/XX/XXXX. My phone shows that it took ( 5 ) five times to get a person. I was given the above XXXX phone number to call ... ...
I did so and spoke to a " XXXX ''. I postponed an appointmemt with a bankruptcy attorney in XXXX for Wednesday, XX/XX/XXXX at XXXX XXXX since I thought your representative, XXXX, and I had reached an agreement. She demanded my bank info to take out money. She said the agreement would be emailed to me by 7 working days and nothing would happened until she got it back notarized ... ..
I waited and waited, and when it did not arrive, I called " XXXX '' back. I got another person named XXXX. She didn't seemed to know what agreement had been reached. I noticed on that phone call of XX/XX/XXXX that the Summons has the wrong address for me. I asked that it be corrected and again checked my email address and you have the correct one. She again promised to email the agreement and that no further legal action would be taken until the agreement process is completed. Also no money would be taken out of my bank.
I again waited and waited with no results - no email or letter. I called again on XX/XX/XXXX. I was promised to get the agreement via email by Monday XX/XX/XXXX by XXXX XXXXby another " XXXX ''. I did not receive it ... ..
On XX/XX/XXXX, I called Capital One and spoke to a manager, He gave his Employee # ( XXXX ) and he promised to get in touch with a manager at XXXX XXXX XXXX and ask them to call me directly before the close of business. He was to ask them to be more professional and try to settle this. I have not received a call nor email or any mail. I am now believing that the " XXXX '' person and phone number is a SCAM. All she wanted was my bank information.
I intend to call XXXXXXXX XXXX XXXXXXXX Monday, XX/XX/XXXX @ XXXX XXXX and get their FAX and email and send this letter. The " XXXX '' person should have an email or FAX as well. Then, I will send this correspondence to the XXXX XXXX XXXX in XXXX XXXX NC to associate with my file. I am stating again that your law firm is not to take any money from me until you act professionally and communicate with me about this agreement. I am going to contact Capital One again on Monday and send them this correspondence also.
I DO NOT KNOW WHAT ELSE I CAN DO TO FOLLOW THE CIVIL SUMMONS ORDER. XXXX XXXX XXXX XXXX XXXX Legal Actions Taken with XXXX XXXX XXXXXXXX XXXX
XXXX / Sent XXXX XXXX XXXX To : XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX I just spoke with XXXX XXXX with XXXX XXXX XXXX XXXX.. She informed me that they had intended to take payments out of my bank without a signed and notarized agreement. She promised that she would delete the payments. I have serious doubt that this was done. I am at this point in time asking by this email that Capital One take over this issue. XXXX XXXX also stated that she did not know who XXXX at phone number XXXX actually is. I am also asking Capital One to verify by calling the XXXX number who these people are and discern why they refuse to get the correct mailing address and a legal agreement to repay, and how much money this firm actually reports to Capital One. I am sending a copy of this email and attachment to FAX XXXX attn to manager : XXXX. Thank you.
XXXX XXXX XXXX
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08/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I booked a group vacation with XXXX based, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I was scheduled to travel to XXXX with them on XX/XX/XXXX *all dates are in XXXX format to match with my receipts and emails sent by XXXX XXXX.
XXXX : Capital One Bank ( Usa ) , National Association Payment made : XXXX XXXX on XXXX XX/XX/XXXX - card ending XXXX ( Visa ) Payment made : XXXX XXXX on XXXX XX/XX/XXXX - card ending XXXX ( Mastercard ) XXXX XXXX postponed my trip on XX/XX/XXXX, due to Covid travel restrictions. As you can see from the email, the company offered me a refund credit note. The email clearly states If you havent booked onto an adventure in 12 months time then we can process a full refund of all monies paid.
*Please see the email sent by XXXX XXXX on XX/XX/XXXX XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioner, XXXX on XX/XX/XXXX, informing me of the administration.
I attempted to open up a chargeback dispute on XX/XX/XXXX using the Chargeback code XXXX for credit Merchandise services not received.
Initially, my bank opened up the dispute for the XXXX XXXX amount but later refused to accept it. They refused to open up the XXXX XXXX deposit amount.
*please see attached for the rejection letters from Capital One I am informed by my bank that the reason for this is is because I received a travel credit from XXXX and then the company went out of business, so its not their problem My bank is incorrect. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I am also informed by the administrators XXXX that XXXX XXXX merchant acquirer XXXX challenged my dispute with the bank on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their XXXX XXXX XXXX which is incorrect.
I am informed that the financial failure insurance was always in place for XXXX/ XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the XXXX XXXX XXXX to reflect this on XX/XX/XXXX.
As I booked before this time, I am not insured or protected by any other method.
When the challenge was flagged by my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured.
I would have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only.
I would have also submitted a flowchart provided by the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves.
*Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only.
*Please see the attached XXXX XXXX XXXXs that are relevant to my booking *Please see the flowchart provided by XXXX For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this should be the expiry date of my refund credit note which is XX/XX/XXXX.
Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).
Here are Mastercards rules : On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a vacation.
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government-backed XXXX XXXX XXXX are advising me to do the same via this letter http : XXXX
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06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I experienced suspicious activity indicating someone was either trying to reset my Capital One online account. This occurred on XX/XX/XXXX. I called Capitol One the night of XX/XX/XXXX to have both my accounts frozen or cancel due t suspicious activity with my account. I informed the Capital One representative that i have two accounts, a bank account and a Credit Card account .According to Capital one my call to them was made at XXXX XXXX, alerting them about the suspicious activity. The next morning on the XXXX I noticed there were charges after i called the night before, so i went ahead and called Capital One to find out what had happened. After Letting them know about my call the night before in regards to suspicious activity I would expect that the card would no longer be usable.
According to Capital One the first purchase was made on XX/XX/XXXX after XXXX at a XXXX XXXX. When i initially called capital One it was from a landmine phone which would establish a location completely far away from the the location of the initial purchase on my card the night of the purchase at XXXX XXXX. There is no way i could be in both places at the same time or even make it to the location of the XXXX XXXX purchase. Despite calling for the 2nd time in regards of the fraudulent activity clearly happening at the time, there were purchases being made up on to the XXXX of XXXX. So there was fraudulent activity/ purchases being made on my card from XX/XX/XXXX until XX/XX/XXXX.
Every Charge/purchase form XX/XX/XXXX through the XXXX all have Merchant locations which i assume have cameras. I am Stating clearly now that not a single purchase made on the XXXX through the XXXX was made by me. Since XX/XX/XXXX i have received mail from different Bank institutes informing me about New accounts trying to be opened. I have forwarded all this information such as the letters from the bank, the on-going issue with capital One with the XXXX Detective handling my claim.
Capital one has disregarded these facts. I was even informed that i didn't place a call to alert them simply because i didn't initially call specifically the Credit Card department but instead the night of XX/XX/XXXX i called the banking side. I did call them banking side explaining i had two accounts. They were aware of me having two accounts and the need to freeze both. The Fraud department claims they dont have any call placed from me, but the banking side can attest to me calling the night of The XXXX informing them about the suspicious activity. Such information for the sake of a Investigation on behalf of Capital One should be available amongst staff and all departments of the same company. They would neither provide me with any way to relay this to the fraud department to establish that I did call.
How is it that one department can establish that i did call but cant forward that information to the next department? When asked this all they say is one department has access to information the other doesn't. Its clear they are being completely negligent in regards to my case and has now made me a victim two times over. This is beyond abuse, being that one department has info that they are not willing to share with the other. This is a case of Grand Larceny and Identity theft. They are not willing to conduct a thorough investigation despite my claims, all which can be verified with my complete willingness to cooperate in any and every way.
How it is i call about suspicious activity then make purchases using the same card less than an hour later? My phone was placed in my apartment in XXXX and the purchase in XXXX XXXX was made in XXXX at night. This is clearly negligence and abuse, and no one from Capitol one is willing to look into this nor provide me with any documentation gathered or produced during the investigation period. Not only that, No one ever contacted me in regards specifically to the charges put back on my account.
All charges which I did make.
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03/24/2017 |
Yes |
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Web |
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Because I sustained a life-threatening injury in XX/XX/XXXX, my wife took over paying the bills. In the last 2 years, my wife racked up XXXX in credit card debt without my knowledge as well as spent a great deal of our savings. I found out what had happened and took over the bills in XX/XX/XXXX. At first, my wife refused to give me complete financial control over our income, bills and budget. This impasse took us to pursuing a divorce. At that time, I noticed that a Capital One card that I had opened in my name with an original credit limit of {$500.00} was raised by my wife to {$5000.00} and almost maxed out to a balance of {$4600.00} as of XX/XX/XXXX. Capital One allowed her to raise the credit limit and charge that much without my consent or knowledge. I notified Capital One by phone on XX/XX/XXXX about my circumstances. They advised me to talk to the fraud department who told me that I would n't be responsible for the debt, they were placing my account on suspension as of that day and that I would n't be liable for the balance. They mailed me the paperwork for the fraud investigation. In XX/XX/XXXX, my wife and I came to an agreement to abandon divorce proceedings and reconcile based on the agreement that she would give me complete control over our income and budget allocation so that we could pay off our bills and live within our means. On XX/XX/XXXX, I contacted Capital One and told them that although my wife had accumulated that debt without my consent or knowledge, I would be responsible for the debt and for them to stop the fraud investigation. I did NOT receive a statement from them for XX/XX/XXXX or XX/XX/XXXX and was not concerned because I was advised by Capital One that my account was suspended and that I was NOT responsible for payments. I received a phone call on XX/XX/XXXX from Capital One asking me to make a minimum payment of {$810.00}. I told them that my account had been suspended and that NO payment was required for XX/XX/XXXX or XX/XX/XXXX and that my normal monthly payment was around {$130.00}. I also told them I had n't received statements in XX/XX/XXXX or XX/XX/XXXX. I asked them to mail me the missing statements for those months as to ascertain why my minimum payment was so high since the representative could n't explain it to me. I received the packet of supposed missing bills from XX/XX/XXXX through XX/XX/XXXX in a packet. ALL statements were on legal sized papers and colorless as opposed to normal monthly statements which are letter sized and have color. I 've supplied these statements to you and they show NO late payments or past due amounts, proving my assertions. I then received my normal XX/XX/XXXX monthly statement which was asking for an {$810.00} minimum payment, also provided. I spoke to various account specialists and supervisors in the fraud department to no avail and asked for a manager. It was determined that Capital One credited my account the last 6 months interest payments during the suspension/investigation. When I released the fraud investigation, they added those 6 months interest payments to my minimum payment instead of back to my balance from which they were credited. The first manager, XXXX ( XXXX ) agreed with my position and claimed to have repaired the payment history in the system. In attempting to refinance my mortgage to pay off the accumulated debt, I found that Capital One had reported me late for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I spoke to another manager-XXXX ( XXXX ) who agreed to fax a letter to my mortgage company attesting to the fact that I was NOT late in XX/XX/XXXX and XX/XX/XXXX. After 10 bus. days, my mortgage com. had not received it. I spoke to ANOTHER manager, XXXX ( XXXX ) on XX/XX/XXXX. He ALSO assured me that my payment history had been corrected and faxed a letter to my mortgage com. attesting to that fact ( also included ). The letter was deemed insufficient by my mortgage comp 's credit department. Still NOT resolv
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04/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I received a call from a fraudulent person claiming to be Capital One on XX/XX/XXXX at XXXX from XXXX. When you XXXX this number, a blank Capital One website is the first link to appear and shows it is under " Small Business contact us. '' This fraudulent caller said they were from Capital One and noticed two suspicious charges made to my credit account from two well-known corporate merchants. I declined making those charges and the caller said that Capital One would send a new credit card within 1-3 business days. The caller then said for security purposes I would need to verbally confirm the last four digits of my SSN, my home address, and my date of birth. The caller had all this information before I verified this information and I refrained from providing any details without first having it verified by the caller. All the information the caller provided was correct. Then, the caller said I would need to say the 6-digit pin number that was sent on my phone via text message while I was still on the phone with the text message coming from a number " XXXX '' at XXXX on XX/XX/XXXX. After verbally verifying the code, the caller reassured me that the new credit card would be in the mail and I would receive it in 1-3 business days and hung up.
On XX/XX/XXXX at XXXX I received a text message from the number " XXXX '' stating " Capital One Alert : Suspicious activity detected on XXXX card ending in [ XXXX ]. Account transaction are protected to protect you. Call XXXX for help. '' Then, I called Capital One and told them what happened ( see description above ). The representative at Capital One said the person who called was not from Capital One and I need to renew my credit card number. I received a text message from " XXXX '' stating " Hi -- it's Capital One. We need to verify its you. Complete your secure ID capture verification at the following link : [ hyperlink ]. '' I completed the verification and received a new credit card in 3-5 business days.
On XX/XX/XXXX I received a charge on my Capital One account for Costco for {$1300.00} from the warehouse at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX. I called Capital One and explained the fraudulent charge on XX/XX/XXXX and Capital One provided a Purchase Adjustment of + {$1300.00} on XX/XX/XXXX. Then, on XX/XX/XXXX Capital One added back the charge of {$1300.00} and did an adjustment of + {$1300.00} on the same day. On XX/XX/XXXX, Capital One added back the charge of {$1300.00}, and I called them on XX/XX/XXXX at XXXX, and Capital One said they finished their investigation into fraud and because the purchase was made using a " tap to pay '' mobile device at the physical store location, they were unable to process the charge as fraud. Instead, they would need to dispute the charge with the merchant ( ie, Costco ). On XX/XX/XXXX, XXXX added a Purchase Adjustment of + {$1300.00} on my account.
On XX/XX/XXXX, Capital One added back the charge of {$1300.00} to my account that was my responsibility to pay. On XX/XX/XXXX I called Capital One at XXXX EST to ask about the charge being added back to my account. Capital One said that Costco rejected the charge dispute and marked it as an " Invalid Dispute '' with Reason Code XXXX. Costco wrote into the report " fraudulent account. This member signed up on XX/XX/XXXX online under the name XXXX XXXX. However, some how the membership is under the name XXXX XXXX. paid w/ phone tap to pay so can't verify funds. the account was set up online fraudulently '' and provided still frames of video taken of the person making the fraudulent purchase.
I called the Costco warehouse at XX/XX/XXXX at XXXX EST and spoke to the audit manager and she said she would look into my case and let me know what they find. I didn't hear anything for a week, so I called Costco again at XX/XX/XXXX and they told me they could not help resolve the issue according to their corporate office policy. I filed a police report on XX/XX/XXXX.
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03/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have had a Capital One Online bank account, savings account, and MONEY teen account for a few years now with no issue. In XXXX, when I was hospitalized for 5 days, I came home to my statement and found 3 separate transactions totaling almost {$960.00} that I did not authorize. After reviewing the statement and calling the claims department on XX/XX/XXXX to file a claim for the unauthorized transactions, The fraud Charges are as follows XX/XX/XXXX at XXXX XXXX XXXX * {$340.00} # XXXX * {$220.00} Claim # XXXX * {$400.00} Claim # XXXX I have all correspondence saved if needed.
When I initially filed my claim by calling claims, I had thought the 3 transactions were electronic XXXXXXXX XXXX. I assumed my card info was compromised or my card had been cloned like many I know due to having the card. I later checked my second bank account and saw over 45 days of unauthorized charges almost daily from the same location and filed a claim with my other bank as well, which has given me no issue. I set up an appointment with the bank fraud detectives at XXXX and filed a police report providing the cards, the statements, and the claims info for banks.
A few weeks later, I received an email stating that the claim for all 3 transactions was denied due to the charges being from a micro-chip enabled terminal. I contacted claims and asked for an explanation they stated my card was used and I can not dispute the card use. I advised I did not authorize those transactions and if you review my history I never use my card at terminals ever, and was in the hospital at the time the charges were made. I advised I wanted a second look and that I could provide my police report. The claims agent said they would review my report with the deputy who took it if I emailed a request to reopen for investigations, which I did immediately. They also advised with the report they would get pictures and look deeper.
I immediately transferred a majority of my balance to my other bank since Capital One was not protecting my money and my account. I sent via email everything requested, including the Deputys contact info, report, and detailed description of the appeal. This was all emailed to investigations as requested : XXXX They said they would review in 20 days maximum and then the provisional credit that they deleted from my account should be placed back into the account permanently. They took back the credit after denying the claim when it was under appeal. Credit reversed XX/XX/XXXX while investigations were still ongoing and the bank advised that this was a system generated automatic reversal that would be fixed once a police report was received.
After 25 days no contact I called and spoke to a supervisor who said they received my police report and have reopened the claim, but that the investigations team hasnt reviewed. Since it had been over 20 days, the agent called, placed me on hold for about 30 minutes, and came back to say she requested they expedite review of my documents. Within 1 hour, I received an email stating my claim has been denied again with the same reason from a micro-chip enabled terminal. They never contacted the XXXX, accessed the police report, or provided any of the investigations information they promised.
I called back and asked about the police report and the agent simply said I am not sure why they didnt take the time to review it and there is nothing further I can do. I asked about a second appeal process or my right to see what they investigated on these claims to deny them, and they did not know how I should proceed. The communication after that by phone with an agent named XXXX was responded to without the investigation information needed and without a name, the email was auto generated and is attached in supporting documents.
The bank has failed to protect consumers against fraud and thoroughly investigate fraud and provide that information to me on their decision or coordination with XXXX.
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04/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
I am disputi ng CapitalOne Visa billing me for XXXX charges ( {$400.00} + {$330.00 } ) from XXXX totaling {$740.00}, plus mounting interest fees. I am declining to pay these charges based both on their invalidity, as clearly demonstrated by the facts, and because of the total refusal of both XXXX and CapitalOne Visa to ever investigate or respond to these facts. I have spoken several times with customer service reps at both companies, who were uniformly polite and sympathetic. But when I put the details of the case in writing, as requested, correspondence received from both companies has show n ZERO in dication that they have even bothered to read what I wrote. They do not dispute the facts ; they deliberately ignore them and keep sending me copies of the rental contract. After several months of th is, CapitalOne Visa de clared the case closed because I had never sent them a copy of the contract the contract sent me more than once! Attached documents describe exactly what happened and why their claims are invalid. Here is a summary to fit the space limits of this form : On XXXX XXXX , XXXX I reserved a car from XXXX in XXXX for a same-day rental. {$58.00} was charged to my XXXX card ending in XXXX . I picked up the car early Sunday, XXXX XXXX . During the outbound part of the trip, I began to experience difficulties with the clutch when shifting in to 1st g ear. These problems got worse on the way back, so much so that while at a rest stop between XXXX & XXXX , it was clear that it would be dangerous to attempt to return to XXXX with the car. We therefore phoned the number provided on the documentation at XXXX . We were told that we would be picked up within an hour and that we would be taken to our home in XXXX . We were picked up at XXXX , 2 hours and 15 m inutes after our initial call. Again, we were told they would get us back to XXXX . We were towed to a spot by the side of the road, som ewhere outside of XXXX , and promised that a driver would come to take us back to XXXX within 30 minutes. No car ever came. We phoned again, at XXXX , and were told a vehicle in fact had come for us but couldnt find the location and so had given up! Three more phone calls, 3 more promises, no pickup, and we were on the side of the road in the middle of nowhere. When the sun rose around XXXX , we spotted a person along the road who told us how we might hike to a train station to get into XXXX . We took the car key to prevent theft, left a note on the windshield, and found our way to the train. The next day we went to their XXXX XXXX office and returned the key. Clearly the cars mechanical failure is not something that I should have to pay for. It should be noted that I have owned and driven stick shifts all my life. In XXXX , I rented a stick shift car in XXXX thru XXXX for alm ost 4 wee ks, returning it the day before I reserved the car in XXXX . Look this up : XXXX XXXX voucher number XXXX . Im being charged for a lost key. Photo of a XXXX employee accepting return of the key attached. Claim administration fees should not be charged to me because I am not responsible for any claims. Unde r Witness Details CapitalOne i ndicates that there was none. As I told them repeatedly, my companion, XXXX XXXX , was with me the whole time and, with speaker phone on, we shared in all the phone conversations that long night with XXXX . To date, my credit card ending in XXXX has had the amounts {$740.00} unjustly charged to it, plus mounting interest fees. I would think that XXXX would be offering some compensation for the ordeal they put XXXX and me through instead of billing me for their defective vehicle. At the very least, I would expect both XXXX and CapitalOne Visa to have responded to what I wrote rather than ignoring and bullying me. I am very prepared to hire a lawyer if this can not be resolved amicably.
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05/17/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
Our father was diagnosed with XXXX XXXX XXXX XXXX in XXXX of 2023. His doctors gave him XXXX weeks life expectancy which he die on XX/XX/2023. We were fortunate that he was able to get his estate documents in order with in that short time period. He changed his Capitol One account to a trust account and put myself and my brother on the account as trustees. Currently I am not on the account bc I was tied up tending to our father in his last few days and missed the window to sign the acknowledgements. My Brother did sign them and he is on the account as a trustee. He have been told by Capitol one employees he was put on after he passed but if you look at the dates in your system you will see it was approved prior to him passing but by the time you finalized everything it was after he had passed. We sold his house on XX/XX/2023 and wired the funds in to the trust account. When my brother went to the branch on XX/XX/2023 to pull out some of the funds to disperse them per our fathers wishes he was told Capitol One was ending the banking relationship with me and would not be dispersing any funds due to an internal investigation. he was not told why there was an investigation, a time frame, why his personal accounts had been closed or why the trust accounts was frozen.
He spoke to employee today in your Customer Protection department and she told me that due to me using my fathers online login for his accounts it triggered a Fraud alert. We had to use my father login because the trust account never populated with in our personal login as he was told by multiple Capitol One Employees and no one seemed to know why. XX/XX/2023 he finally got ahold of some one that was able to help me merge the account into my login so he would no longer have to use my fathers login. My brother and I have had to use my father 's logins for all of his bank accounts and bills for the last 8 months since we have been handling his estate. There is {$640000.00} in the trust account that I am required to disperse with in 3 months of my fathers passing, that means the funds are to be dispersed by XX/XX/2023 per my fathers trust. Can some one please look into this and actually follow up with us. My brother and I spoke with XXXX from their executive office on XX/XX/XXXX and he assured us that he would follow up with us last week. We never herd from him and both of us have called/ emailed several times with no reply back. He was treated rudely with complete disrespect and like a criminal. No one ever contacted him and asked for any information or requested any documentation to prove he had the power of attorney or anything regarding our trust. Then when he called in, they would again be rude and disrespectful like he was committing a crime.
The next issue is there are 3 other accounts {$2400.00} ( 360 checking account ) {$130000.00} ( performance savings account ) {$11000.00} ( CD account ) These accounts were our Father 's girlfriends accounts who died two months prior to my father and were left to her son XXXX XXXX in her will. Capitol One has her death certificate, Letters of testamentary, and her will. They also have our fathers trust and his death certificate, Power of Attorney, His Will, and Two letters from his doctors that say he was in his right mind when he passed. We were told these accounts had become our fathers accounts due to the way Capitol One had added him on them so he could handle XXXX XXXX 's estate in her last few days. We did not probate our father 's estate due to everything being in trust accts. I have emailed the estates department a few times requesting some one to please give me a call since this is not your normal situation. Every time I get a template email response stating these are the items you need which you already have.
So to wrap this up Capitol One has {$790000.00} of our family 's money that needs to be distributed to the heirs by XX/XX/2023 and your customer service has been horrendous.
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11/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
I 'm XXXX-YEAR old, with XXXX and limited XXXX.
On XXXX/XXXX/15, I bought XXXX XXXX XXXX at XXXX XXXX ( " XXXX '' ) in XXXX XXXX, NV. I got {$5000.00} dealer discount on it! I LIKED MY CAR VERY MUCH and drove it every day. I put {$15000.00} as a down payment, and XXXX arranged for the 1st CAPITAL ONE AUTO FINANCE ( " COAF '' ) auto loan. The loan balance was {$13000.00} financed at 1.99 % APR/48 MO. with Finance Charge {$550.00}.
On XXXX, when I came to sign paperwork for a return of XXXX XXXX XXXX, I was PUSHED and MANIPULATED by XXXX floor manager to RETURN XXXX CARS : 1. my XXXX XXXX XXXX ( bought on XXXX ) and 2. the XXXX XXXX XXXX ( the only car I wanted to return and XXXX manager agreed with its return 2 days earlier ) TO WALK OUT WITH XXXX CAR ( XXXX XXXX XXXX ), while getting my {$22000.00} down payments fully accounted for in a new contract.
Later, XXXX manager changed his mind from a new XXXX XXXX XXXX TO WALK OUT WITH the EXACTLY SAME, EVEN BETTER, XXXX XXXX XXXX, for a SLIGHLTY HIGHER MONTHLY PAYMENT around {$330.00}. ( A comparison to {$280.00} monthly payment on my XXXX XXXX XXXX bought on XXXX ). It was the ONLY FINANCIAL INFORMATION I received on XXXX!
I was PUSHED and MANIPULATED into entering the contract WITHOUT a FULL DISCLOSURE of all financial terms and details of the transaction. Without seeing any DISCLOSURE MADE IN COMPLIANCE WITH TRUTH IN LENDING ACT, I ended with a misrepresented EXPENSIVE XXXX XXXX XXXX that I never wanted, having the 2nd CAPITAL ONE LOAN. The loan balance jumped to {$25000.00}, financed at 2.90 % APR/72 MO. with Finance Charge {$2300.00}.
On XXXX, FK PUT my XXXX RETURNED CARS as TRADE-INS into the contract : a ) my 2-month XXXX XXXX XXXX ( bought for almost {$29000.00} ) that I never wanted to return got {$21000.00} TRADE-IN price, and b ) 22-day NEW XXXX XXXX XXXX ( bought for almost {$27000.00} ) got {$17000.00} TRADE-IN price.
WITHOUT ANY DISCLOSURE of TRADE-INS, XXXX gave me only {$6500.00} ( Net Trade-in ) from my {$22000.00} cash down payments.
CAPITAL ONE APPROVED the LOAN for XXXX XXXX XXXX with balance {$25000.00} financed at INCREASED 2.90 % APR/72 MO. to PAY OFF a ) COAF loan for XXXX XXXX XXXX with balance {$13000.00} financed at 1.99 % APR/48 MO. ( Capital One " paid '' to ITSELF ), and b ) XXXX XXXX XXXX loan for XXXX XXXX XXXX with balance {$18000.00} at 0 % APR/60 MO., with NEGATIVE EQUITY rolled over to the new COAF loan!
CAPITAL ONE paid {$500.00} ( approx. 0.9 % APR 'MARKUP ' ) to XXXX XXXX for arranging the 2nd loan.
On XXXX, I contacted COAF and explained that XXXX took advantage of me. I sent documents to COAF through online messages and kept COAF informed about a car 's location such as I REJECTED the MISREPRESENTED XXXX XXXX XXXX left at XXXX lot on XXXX and SENT its keys to XXXX. On XXXX, when I was at work, XXXX brought and left locked XXXX XXXX XXXX in my driveway. I got it towed to XXXX on XXXX.
On XXXX, CAPITAL ONE sent me this message : " I did want you to be aware that by LEAVING THE VEHICLE AT THE DEALERSHIP at this point it would be considered a VOLUNTARY REPOSSESSION. The repossession could remain on your Credit Bureau Report for 7-10 years,... In addition, YOU WOULD BE LIABLE FOR ANY BALANCE LEFT OWING AFTER THE VEHICLE IS SOLD AT AUCTION.... It would be best to wait until the results of the outcome of the lawsuit that you are filling against the dealer. '' As of XXXX/XXXX/15, I WAS N'T LATE on my COAF auto loan PAYMENTS and I NEVER said I WOULD NOT PAY! Capital One DID N'T MENTION any contract provision, NV or fed. law based on which a REJECTED misrepresented car left at XXXX, while making payments, can be considered a VOLUNTARY REPOSSSESSION. On XXXX/XXXX/15, XXXX brought XXXX XXXX XXXX back to my driveway, because XXXX wanted to charge me STORAGE FEES!
1 1/2 YEAR LATER, I still pay {$380.00} monthly to CAPITAL ONE plus insurance for XXXX XXXX XXXX, STORED in my GARAGE, and AWAITING a TRIAL.
|
03/30/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
XXXX XXXX XXXX, XXXX has purchased a pool of charged off accounts at pennies on the dollar and are a Third party debt collectors and racketeers, and have violated my due process rights by proceeding with collection activity without validating the debt.
Documents proffered by XXXX XXXX XXXX, XXXX are insufficient to validate the alleged debt. Capital one and by and through XXXX XXXX have worked to committed fraud by preparing and submitting false documents to this court with the intention that this court and I rely on the false documents to the detriment of me.
They are doing this to many others as well have made billions doing so in the worst of economics.
Their whole case is based on the inability of people to afford and/or be given the right to an attorney to defend such law suits. They also base their cases on defendants going into default and/or not filing answers and/or inability to understand their rights as well as such proceedings.
They also filed this lawsuit during the holidays XX/XX/XXXX-XX/XX/XXXX with the same intent their tactics are that defendants do n't know how to and/or can not respond in time.
I filed answer to the complaint and a response to their request for admissions to the best of my abilities. And at the same time I responded to admissions I requested production of documents, admissions, and/or interrogatories.
Their response was they did not receive it and/or the same tactics as to file a motion with no time to respond a few days prior to the current court date of XXXX XXXX 2015.
Capital One Bank on the false documents has severely damaged my ability to support myself and my credit ratings and/or obtain money and/or property and/or to consolidate my debt. And now are helping these racketeers to committed fraud by preparing and submitting a known false document to this court with the intention that I rely on the false document to deprive me of my rights.
XXXX XXXX XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. They are a debt buyer typically of defaulted credit card accounts, purchasing them for pennies on the dollar in order to collect on them. They have been known to sue consumers to collect on these purchased debts and allegedly coerced debtors to pay using illegal tactics violating the Federal Debt Collection Practices Act ( FDCPA ).
The fantasy that the debt-buyer system is keeping the cost of credit down evaporatedwhen the bank decided to sell off the debt at a fraction of its face value.
Assume the following scenario which, for the sake of simplicity of illus-tration, will use simple, rather than compound interest : on XXXX XXXX, a consumer owes {$1000.00} on her credit card, all of which is principal and does not include any interest, late fees or other fees. She fails to pay her credit card bill, and never makes another payment. What happens? On XXXX XXXX, she will receive a bill for the {$1000.00}, plus 29.99 % interest based on the annual percent-age rate, plus a late fee for {$39.00}. She will continue to receive these charges for the next 5 months ( for a total of 6 months, or 180 days until the creditor will " charge off '' the account for tax purposes ). By this time, the bill will be approx-imately {$1300.00}, or almost 40 % higher than it was on the day that she defaulted. This {$1000.00} loan, which now includes an extra {$400.00} tacked on since the day the consumer stopped paying, will be sold for {$56.00} ( assuming a sales price of 4 cents on the dollar ), and the consumer will then be sued by a debt buyer for {$1400.00}, plus attorneys ' fees of 15 %, or {$210.00}. ( This assumes they will not also be seeking prejudgment interest of 29.99 % ). For the consumer, the price of de-faulting has suddenly become 161 % of the principal of the amount loaned. For the debt buyer who invested {$56.00}, the potential return on investment is 2,800 % ; {$56.00} invested and {$1600.00} returnedPlease let me know if you needed anything.
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11/15/2016 |
Yes |
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Web |
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I recently applied for a Cap One card- because I wanted to establish a form of credit, to begin a successful record to reflect responsibility from a consumer/customer. I received the card, after paying {$50.00} for it, w/an available balance of {$200.00}. I charged up the {$200.00} and looked forward to paying my monthly fee, going forward. I paid my first payment online on XXXX/XXXX/16. At the same time, I signed up for auto pay, to make electronic payments for the min amount, easier than remembering to pay each month. However, on XXXX/XXXX/16, I sat around waiting for the auto payment to be deducted. I checked online, I checked the app ... on XXXX XXXX, I saw that I was charged a late fee for non payment. I immediately called the company. I called to close the account completely & I was prepared to pay off the whole balance, as I was upset that this occurred. I explained to the CSR that I was signed up for auto payment, and that there should have been a payment deducted from my account, that would avoid any late fee. I explained to the rep. That I had no desire to be in credit card late payment trouble & debt over a {$200.00} credit card & it simply was n't worth it. I explained that I 'd go ahead, pay the balance to close the account. I requested my {$50.00} refundable deposit. I expressed to him my disappointment in having to deal with these issues, a month into owing a card that I only applied for, to help me instead of hurt me more. The rep then explained to me that it would not reflect negatively on my credit report, and that one late fee does n't usually cause your credit to take a dive. He expressed that he would refund the {$25.00} late fee, accept my payment over the phone & personally get me signed up for auto payment, so that I would never have this problem again. I accepted his offer to waive the fee, as well as to sign me up, based on his confident promise, that by him personally signing me up ; I 'd never ever have this problem. He assured me & promised me over and over on the phone that if I kept the account, he was personally making it right- and then he went through the steps to sign me up. After-which, he guaranteed me again, by reading the disclosures, verifying/confirming information regarding what I wanted to pay each month {$25.00}. He confirmed the actual dates that it would be deducted XXXX of each month.
Before he closed the call, he reminded me that on XXXX ; my first auto payment of XXXX $ would be deducted from my XXXX Bank account. He stated one final time that I was signed up, all was clear and that an auto payment going forward would be effective immediately, and he added that he 's already refunded the late fee.
On XXXX/XXXX/2016, Once again, a repeat. I sat around the XXXX, XXXX, XXXX ... waiting for the auto payment to come thru ' thinking perhaps because of the weekend, that it would come in on Monday Morning, XXXX XXXX, 2016. However, it never did. What came to me, was an email stating that my account payment is past due & that I owe XXXX $ late fee, in addition to the Monthly min payment of {$25.00} ; bringing my current amount due, to XXXX $ I called the company. Upset that I 'd gone through all that in XXXX, only to turn around and go through it again ; I explained the entire case to the new CSR. This time, the agent refused to accept the amount that I actually owed, unless I consent to paying the late fee and wait on my reimbursement. When I refused to pay an additional XXXX $ for their error, on top of what I agreed to pay, the company immediately placed it on my credit report within 24 hours. Refusing to accept the min payment that I actually owed. Cap One, so basically, you 're refunding the late fee of XXXX , taking responsibility because you know it 's your error that there 's a XXXX $ late fee, which caused the min payment due ; to rise to XXXX .
But, you 're not willing to take my payment unless I absorb the cost of your mistake first? XXXX
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11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom it May Concern : My name is XXXX XXXX. Thank you in advance for your assistance.
Concern : I have been largely affected by Covid-19 and as a XXXX XXXX XXXX XXXX XXXX, I am already challenged with roadblocks and red tape. Credit is all many of us have today to show character, growth and build rapport for business. The item ( debt ) of concern, is preventing me from creating business, getting approved for critical financial assistance/ working capital and affecting my ability to sustain through this pandemic.
Problem : I believe I was carelessly mislead, misinformed and taken advantage of by Collections at Capital One Auto Finance during a very critical time of economic crisis. On XXXX XXXX, I made an arrangement for settlement, in good faith, with XXXX XXXX of Capital One Auto Finance, in exchange for deletion and discontinued reporting of a long-standing debt for which we've been unable to agree on to date. I was very clear on my intentions and expectation of our arrangement before payment and requested supporting documentation to provide the credit bureaus providing we settled. XXXX provided me 'Paid in Full ' settlement paperwork, a receipt, and informed me that I would receive another letter after payment cleared a couple days later. In response to my concern for assured deletion, she stated that the credit bureaus would remove this item. After payment and no more letters, the credit bureaus informed me that her information was incorrect and that only Capital One could request the item be removed. In addition, and after settlement, I've received 'new late payment ' reportings listing me with overall Poor Payment history despite my exceptional payment record of 4+ years. At this time, I'm being given the run around in terms of who's capable of expunging the account. These next few months will be critical for everyone to sustain.
My Attempts : I opened a dispute with all bureaus calling out inaccuracies on Poor Payment History, requested an updated report, requested they expedite the removal of Capital One 's account listing due to our settlement / Paid in full agreement for deletion. I made several calls escalated to management specialists on both sides. Several heartfelt attempts in sharing the impact this nearly 7-year-old debt is creating for me during Covid-19. Several calls back and forth pleading for honorable consideration and an exceptional pardon during this pandemic and on account of my efforts and payment. Several proposals that we work together to create support during our current circumstances. Still with no discernment, I am being told that this item will remain on my credit report until XX/XX/2021.
Solution : I'd like for Capital One to take 5 minutes of their time, in honor of our agreement, my efforts and our crisis, to send a request to the Client Solutions Dept. at all 4 reporting agencies for deletion of their account on all reporting bureaus. It is just that simple. I've paid my dues.
Why : I, along with several other americans are making critical life choices for advancement right now. I have a near perfect credit report from years of hard work and correcting error made when I was a young inexperienced adult. I have demonstrated exceptional payment history for almost 5 years to date. I have suffered more than 50 % of the loss AND returned the vehicle for repair and resale 7 years ago. I have withstood 7 years of a terrible credit score due to this ONE mark. I made the responsible move and took the risk in using my savings to create opportunity for a perfect credit record. I, in no way condone being negligent as to honoring agreements. However, people are changing and growing rapidly. 7 years is much too long of a margin in this day and age to have poor choices lingering on our reports. Now is a time to reshape and consider a better system for those who are giving much effort to better themselves. For the fluidity of all operations and advancement.
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07/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2018 I noticed a company XXXX charged my card twice one charge for {$0.00} and {$0.00} when I called Capital One to report this as fraud they were able to have the company return those charges and I asked for my card to be closed and sent a new one due to fraud. I received a replacement card on XX/XX/2018. On XX/XX/XXXX I needed to use my card to purchase a license that I need for work when I ran the payment for {$8.00} my card was declined, I'm very careful in calculating my available credit so I make payments on time then use the amount to make purchases so I know that I am close to my limit on a monthly basis, but thats how I've had to run my finances because I recently had a baby and not able to work very much. When I went in to check my the reason why my card was denied I seen that there was another charge by the same company XXXX pending this was XX/XX/2018 for {$24.00}. I then realized that Capital One had sent me a replacement card with the same number as my old card. I called customer service and explained my problem, the representative was helpful but kept making the same suggestion that I either increased my credit line or to call the XXXX I was hesitant to both because of my financial situation and calling the company I would have to give them my information when they ran fraud on my card it just didn't seem like the were a legit company. Finally I was transferred to a supervisor that again made the suggestion that I increased my credit limit a few times after I already declined that offer. He assured me the company XXXX is legit and I wouldn't have to give them any other information besides my card number so it can be erased from there system. At this point it was very unnecessary for me to speak to them because the problem should have been fixed when I asked for a new card meaning a new card number and not just a replacement to the old one that I reported fraud on. We spoke to the company and they removed my information. The supervisor also made a very kind offer to credit my account with {$10.00} within 2 hours so I could purchase my license for work, I agreed and again he advised me to wait 2 hours for that to show up.
4 hours passed by and still no credit so I called back and was transferred to another supervisor, without much explanation to him about my situation he stated he wouldn't be able to credit my account because his system doesn't allow it, he apologized that I was misinformed by the previous supervisor and again suggested I increase my credit limit. I was pretty upset because not only was I lied to by the previous supervisor, but now I was speaking to someone who seemed very unwilling to help me after half an hour or more he placed me on hold without explanation he kept checking in with me, when he came back on the line he let me know that he had spoken to the last supervisor that offered me the credit and that it would take 2-3 business days to show up. He stated that as a one time courtesy he would credit my account as promised by his fellow supervisor and I would see it right away, and he did.
In this experience with Capital One I was lied to by the first supervisor that told me I would see the credit in 2 hours, I was harassed to apply for a credit increase by all representatives I spoke with after declining multiple times. The second supervisor again lied because he told me that his system wouldn't allow him to credit my account but at the end of the call he was able to do in a few seconds. I also asked him if he could go back and listen to my first call so he could confirm what was promised to me and again said he wasn't able to do that, but yet he put me on hold to get in contact with the first supervisor I spoke with. I feel like there was a lot of misinformation and both just told me what I wanted to hear or what they think I would believe just because I don't know there system. I was very unhappy with the customer service I was provided
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02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : I am writing a complaint against Capital One credit card company.
Credit card previously paid off. Late on XX/XX/2021, I received an e-mail from XXXX and XXXX about late payments and my score change, I saw the e-mail early on XX/XX/2021. My score was in the XXXX, due to XXXX XXXX on-time payments. I found out that there was a subscription charge on my Capital One. Capital One never sent me a bill. I did not realize I signed up for a subscription and thought it was a one-time charge, so assumed my card was paid off again. A statement was never received by mail, e-mail, and I was never contacted by phone. I had signed up for e-mail statements to protect my identity. As soon as I found out there was a problem, I had inquired about it and called Capital One immediately, the woman told me she had my correct e-mail address, so I assumed it must have been in my junk mail ( which would be my fault ), checked junk mail and there was nothing ever sent. When I logged onto the website ( Cap One ), it showed they could not send an e-mail and that my e-mail had to be updated, this was after the conversation I had with the Cap One rep. So clearly, I didnt receive a statement ( see attached screenshot for proof of them not being able to contact via e-mail ). Capital One then failed to mail me XXXX or even call me. Capital One did, however report this to the credit bureaus, which was the way I found out. Capital One also removed me from autopay, I never authorized autopay to stop, when I called regarding this, they said it was because the company made changes and the changes didnt carry over.
I never missed a payment before and called and paid all interest and late fees for the outstanding charge as soon as I found out there was a problem. The woman I spoke with on the phone said if any of this has to do with XXXX or you have financial problems due to XXXX to write a letter, and it was the only way to get it removed. I did not miss the payment due to XXXX, but I did lose my job, so I wrote that in the letter because it was related to XXXX, and I wanted this removed, even if it wasnt for that reason. I was receiving unemployment, so I was able to pay my bills. The missed payment is not why this happened ; it was due to failure to be notified. Capital One removed it from all three bureaus after receiving XXXX complaints, the first one that I was not notified, then the second one that I was told by their agent to write about XXXX. Capital One removed the late payment status from all XXXX bureaus and I was notified on or around XX/XX/2021 ( see attached ). Then I received a letter from Capital One dated XX/XX/2021 saying they could not remove the payment history as a courtesy ( see attached ), and it was put back on the credit reports some days later. I did not ask for a courtesy. What they did was illegal. They have my phone number, mailing address, and e-mail address. No contact information had ever been changed. Had I known I had a bill, I would have paid it. I have paid on time consistently, with them and with all other creditors. This should not have happened. Please hold Capital One responsible for their illegal error to abide by the laws and correct their mistakes. This is my right as a consumer who abides by the laws and pays bills on time. I have proof, but it is limited. Capital One should provide proof that they sent a statement, when I called asking for proof days later, on or around XX/XX/2021, I was told there was no way to send that.
Please see attached information and proof. Screen shot stating they do not have my proper e-mail address, after the woman on the phone, XXXX from Capital One read me the email address, the fact that they corrected their mistake then took it back, the email I received on XX/XX/2021 the first time I was notified of a missed payment in XXXX from XXXX and XXXX.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX
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09/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Capital One turned our credit card debt on 2 accounts over to a debt collector, XXXX XXXX XXXX, XXXX. Both Capital One or XXXX XXXX XXXX, XXXX failed to notify us in writing in regards to these debts or allow us an option to review the debt or offer a settlement. Instead, they filed a civil lawsuit against us without our knowledge of the debt. In accordance with the Fair Debt Collection Practices Act 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
According to this law, a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). No other contact was made by XXXX XXXX XXXX, XXXX, a debt collector or Capital One.
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05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been a Capital One credit card holder for over 10 years. From looking at my CBR, I have never made a late payment/had a payment reported over 30 days past the due date as far as this history shows you. I am very upset with Capital One for not responding to my internal complaint, so I have no choice but to come to the CFPB so I can be treated fairly.
2 months ago, I made a payment on both of my credit cards. One payment on one care, I did not realize was not the entire minimum payment. Although I made most of the payment, I was blissfully unaware of the issue and moved on with my life. This was until I received an email from Capital One saying I was 2 months behind? What?! I immediately paid the amounts due and reached out to capital one via email. Asking for confirmation that there were not going to be any negative impacts to me. I apologized, I explained what happened, and I offered my contact information begging for someone to just let me know. No reply. Sent another email, no reply. Reached out online for support asking to be contacted, no reply. Assuming this had been taken care of, and due to the pandemic ( read on, my family and work life sure have been impacted ) I moved on.
Today I checked by credit report via XXXX XXXX. MY BUREAUS HAVE DROPPED 68 POINTS!!! There are no negative marks for XXXX, and no marks ( negative or positive ) for XXXX on either Capital One card. It is odd to me, that there are no other indicators, no negative mark from Capital One, but I know that this was the cause. There is no way for me to dispute via the credit bureaus as Captial One has yet to fully update. I will send proof/screen shots of my bureau from today. All positive marks/reduced balances on all account except for an increase in balances from Capital One. Nothing late indicated for me to dispute, but it is clear what drove the 68 point dive on my CBR, I am beyond livid.
I XXXX for a XXXX myself. I am actually helping with our PPP program around client communication strategies. I have worked 12-15 hour days since the beginning of XXXX, I am tired, exhausted and beyond being impacted with this work, my household income has taken a huge hit due to COVID 19. I would think Capital One would value me enough to work with me. I didn't even miss a payment, I just accidentally made one for less than the amount owed - human mistake. From a human being directly impacted by a pandemic, I am saddened by Capital One 's lack of support or willingness to help correct this internally. Now, as I was preparing to possibly shop for a home am crippled even more. I can't even do that now, as this dropped my CBR lower than I have ever seen it in my life.
Ironically enough, I paid my Citicard off from an over {$1000.00} balance in the last 30 days. And my CBR score all dropped 58 points? This should not be! They should have gone up, that was the goal in paying the card off. Capital One failed me, over what ... {$30.00} short in one payment? One mistake ( not even a missed payment entirely ) in years and you do not even have the ability to help me? I do not have the means, but I wish I could pay these off and leave to a bank where I know my loyalty won't be tossed in the trash for a one time mistake.
If Captial One is unwilling to work with me as a result of this complaint, my voice will get louder. Not only are the treating me unfairly as a consumer, but I think their executive leaders need to know how tiny mistakes that can be corrected or handled for a loyal client can go a long way. Conversely, they need to see the impacts to those, such as myself who have experienced the negative consumer impacts from being swept under the rug and forgotten about.
Please fix this error!!! Please treat me fairly!! Please treat me as if you personally were being impacted by COVID 19 and your credit score had dropped over a one time mistake. I am so upset right now, I really wish someone would listen and help.
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09/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
RE : Capital One XXXX Rewards Program card ending XXXX ; Issued to XXXX XXXX in XX/XX/XXXX Case Number : XXXX On XX/XX/XXXX, I mailed my dispute outlined on the Capital One dispute by mail form, in which I clearly explained/stated by marking the other box in pertinent part : Item purchased on card from XXXX on XX/XX/XXXX. Said item was timely returned to XXXX which indicated that XXXX issued the full amount of {$96.00} on XX/XX/XXXX. Said refund did not appeared on my XXXX card statement as of current billing. I also attached the XXXX Return/Refund Status receipt, along with the XXXX store drop-off Package receipt as proof in support of Dispute by Mail form. ( See, attachments 1-3 ).
By Capital One notice dated XX/XX/XXXX, I was informed that the purchase adjustment of the {$96.00} along with an interest charge adjustment of {$2.00} was returned to my Capital One account. This XX/XX/XXXX, Capital One notice, furthermore, stated that, complete, sign, and return the enclosed form by XX/XX/XXXX. If we dont receive your information by this date, we will finalize the dispute based upon the information we currently have, which may result in the disputed amount being reapplied to your account. ( See, attachment 4 ).
On XX/XX/XXXX, as previously stated, I again completely answered all applicable questions and otherwise re-submitted all the XX/XX/XXXX Capital Ones requested validation in my possession, which duplicated the pervious information/documents submitted on or about XX/XX/XXXX ; which was apparently sufficient to Capital One to honor the original requested refund. ( See, attachments 5-7 ).
Here, the facts indicate that XXXX issued the refund back on XX/XX/XXXX, and Capital One did not even acknowledge the cash redemption initiated by XXXX until XX/XX/XXXX. It is my position that Capital One was provided all necessary transactional documents ( i.e., account charge, item returned, and credit issued with all the adjustment interest in accordance with the fair credit Act. ( See, attachments 8-12 ).
This complaint is reasonable and just when considering that on XX/XX/XXXX, I was issued the credit card account, # XXXX XXXX XXXX XXXX, with the embossed title XXXX, which is a student reward program credit card account currently advertised for college students with the proviso that Capital One will increase the credit limit, if the card holder made the first 5 monthly payments on time, as I successfully did.
However, this advertised marketing and promotional offer is confusingly deceptive and/or purposefully misleading to me, as a senior citizen when considering particularity there is no itemized continuing debit-credit accounting for cash advance interest transparency on the statement entitled Platinum MasterCard Account Ending in XXXX. Please note attachment headers, XXXX.
In this case, it reasonably appears that Capital One is purposefully and continuously ignoring its XXXX rewards program terms and conditions, which clearly states in relevant part under its registered service mark Purchase Eraser for Previous Purchases : Cash Redemptions can be made for account credits towards prior purchases on this Rewards card account within 90 days from the date the purchase posts to the account.
The Capital One notice of refusal, dated XX/XX/XXXX, is woefully without merit under its own written provisions without any specificity as to the reasons for any alleged validation deficiencies as it relates to the Capital Ones written XXXX card rewards program pronouncements, XXXX and or XXXX, issued to me as the sole card holder on XX/XX/XXXX. ( See, attachments 13-19 ).
Accordingly, I respectfully request that all corrective actions be taken by Capital One for the discriminatory malfeasance in this particular case, making the card holder payment and interest whole from the transaction posted date of XX/XX/XXXX.
Submitted in best regards, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX
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03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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On XX/XX/XXXX, my XXXX account was hacked and the credit card information stored on there was used to make XXXX fraudulent purchases of {$960.00}, {$850.00}, {$60.00}, and {$33.00}. After calling XXXX and Capital One to report the fraud, the latter XXXX charges were resolved and my account was given adjustments to balance out the charges. For some reason or another, Capital One refused to recognize the {$960.00} charge as fraud and they have continued to push back despite XXXX giving me documentation confirming the hacking and that the IP address did not match the one I normally log in with ( they had me give Capital One the reference number : XXXX ).
I was notified of these purchases in the late evening of XX/XX/XXXX, sometime around XXXX pm when I parked in my garage and looked at my phone to see the notifications from Capital One of the purchases. I checked my email inbox as well to see an email from XXXX notifying me that my account had been accessed from an Android phone 's XXXX app ( I don't have an XXXX app, nor do I own an Android - XXXX later notified me that an IP address from Texas had accessed my account that day - I live in NY state ). I tried to get into my XXXX account but my password and phone number attached to the account had been changed. Oddly enough, my address remained unchanged and all XXXX purchases were set to ship to my home. When I called XXXX and reported my hacked account, they helped me get access back and tried to contact the sellers to cancel all the transactions. XXXX has also provided written confirmation that my account was hacked and those purchases with my card were unauthorized ( see attachments ). Despite this, Capital One still insists that this single purchase made from the collective fraudulent use is NOT fraud. Fraud managers that I've spoken to on the phone have given me a different reason every time I've called ; the most recent being that my IP was a match ( which XXXX later clarifies it does not with that reference number ).
To further support my case, I have attached images below from my XXXX account displaying the {$960.00} purchase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), as well as the {$850.00} purchase ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as they are not only extremely large purchases, but both are from the same seller, XXXX, an XXXX account with a join date of XX/XX/XXXX, and which is no longer a registered user after I reported them to XXXX following my initial report of my hacked account on the XXXX. I have strong suspicions this was the person that originally hacked my account.
These purchases were made by an unknown party who gained fraudulent access to my XXXX account and my credit card information stored there. It should be noted that I have not received either item from XXXX despite the XXXX data. If the {$850.00} purchase ( as with the {$60.00} and the {$33.00} purchases ) was found as fraud, which was made the same day, by the same IP address as the {$960.00} purchase, then the {$960.00} purchase should also clearly be found to be fraudulent as well. I have also attached an image of the email I received on XX/XX/XXXX from XXXX that alerted me to someone accessing my account from an unauthorized source ( it refers to an Android app, which I do not own ) ; please note the XXXX minute period between this unauthorized sign in and the purchases referenced above. On the XXXX tracking images, you'll also notice my house address is absent in the data despite my village and state being correct.
I have had a Capital Credit card for nearly a decade and have had been in good standing with no previous claims of fraud. I am at a loss as to why Capital One is pushing back on clear evidence of fraud, especially given as this purchase was XXXX of XXXX with the other XXXX being found as fraud. Nothing I have said over the phone seems to have been taken into account, even when speaking to a fraud manager.
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06/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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ATTN : CONSUMER FINANCIAL PROTECTION BUREAU Capitol One Dispute Team : Case # XXXX XX/XX/XXXX I purchased the Electric wheel chair on XX/XX/XXXX. Chair was delivered XX/XX/XXXX. Upon receiving the chair it was defective and not operating. We contacted the XXXX XXXX ( doc 1 & 1A ) right away about the problem, and to our dismay they would not respond to our emails which was our only way of contacting them. In the mean time we flagged their account with XXXX and that triggered a response. They sent sent a message that on XXXX XXXX they had issued a full refund. ( doc 2 ) I was a little hesitant to believe them based on the fact there was no return shipping label accompanied with the refund. So at that point I called Capitol 1 and they confirmed there was NO REFUND. So I started a dispute XXXX XXXX on the charge. On XXXX XXXX we received the shipping label via email. ( doc 3 ). We packed the chair up and sent it back using the shipping label provided. ( Document attached ) I then received a letter dated XX/XX/XXXX, which I received XXXX XXXX ( document 4 ) Capitol 1 had charged back my account stating no return per policy was received. Capitol 1 gave me three ways to respond, mail, fax, or upload the documents. I chose to send my proof of delivery and other supporting documents through the mail and allow them 15 days to respond per the letter. On XXXX I decided to call in and verify my documents had been received and ask if they had any questions. They said they had not received them. So therefore to be in compliance with an already tight deadline I faxed them to XXXX XXXX at XXXX XXXX XX/XX/XXXX. I spoke to XXXX we spent several hours on the phone with XXXX trying to locate the refund. We had no success. In our conversation I mentioned this being past the deadline she assured me not to worry that this was going to be extended since I had responded by mail and the postal is at times delayed.
On XX/XX/XXXX I received a letter from Capitol 1 dated XX/XX/XXXX. ( Doc 5 ). It stated they had received my response, it lacks all of the previously requested information needed to validate your dispute. They had never requested information from me, so I was very confused. So I called in and spoke with XXXX he said that. The shipping Label address was different than the address of where the chair came from. He asked that I find the email from the merchant with shipping label attached to it. So I found it and uploaded ALL the documents AGAIN that day. When they could see that all information was accurate. He proceeded to on XX/XX/XXXX once again credit my account {$1100.00} I received the XX/XX/XXXX letter on XX/XX/XXXX ( doc 6 ). This letter said I had till XX/XX/XXXX to respond with documents. On XX/XX/XXXX I called in after uploading documents I was transferred to several customer service reps. The following : XXXX # XXXX she is the one that informed me that the case had been closed and that there is nothing further they can do I was out of time!!!!!! I explained that the letter sent out has given me until XX/XX/XXXX and that nothing in writing told me the case was closed. After some words she hung up on me. I called back and spoke with XXXX # XXXX she was very helpful and understanding. After reviewing the papers and the file she said she had many questions herself and asked that I give her 3-5 business to ask this be reversed. I agreed.
Documents Attached XXXX are in regard to the merchant and their information which validates a full refund.
I have chosen to file a complaint with the Consumer Financial Protection Bureau.
I feel that Capitol 1 has been shoddy and incomplete with there investigation of this complaint.
The information presented to them was NOT verified to be accurate.
The information they gave me over the phone was not in writing or accurate.
This complaint should of NOT been continued if in fact it was expired and I should of been notified in writing.
XXXX XXXX
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10/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX I purchased an item that was falsely advertised on the internet, on XXXX. I purchased an item and after I received the invoice, I noticed the product had been switched to something different. I made 8 attempts by emailing the company to correct the order and or ask for a refund with no cooperation from the seller, the company that appears to be a fake company in XXXX " XXXX '' as an alias. After complaining to Capital One an entity XXXX XXXX responded to my dispute with Capital One. When I received the copy of XXXX XXXX response letter to Capital One, Capital One reinstated the charge to my account. After reading the response letter I called Capital One immediately to dispute the charge, they put me through the paces and what were many requirements of providing them with uploads of Screen shots and PDF copies of all my emails to the company, the order, the original ad, the purchase invoice, and a letter describing my issue. To this day I have never received what I purchased from XXXX, or their shipping company XXXX, or XXXX XXXX, nor have they responded to any of my request for a refund or to correct the order to the advertised item. Since it has been over a month now and I have received nothing, I am more than convinced this is a SCAM by XXXX AKA XXXX XXXX. On XXXX I also disputed the charge with XXXX XXXX, that I used to purchase the item that I never received with no resolution.
After uploading all the documents Capital One requested on XXXX I received another letter from Capital One on XXXX now requesting : 1 ) " My response to the document sent by the merchant ''. I already wrote and uploaded a response to Capital One on XXXX along with everything else they requested.
2 ) " Information or evidence to support how merchandise order differs from what was received ''. I never received anything from XXXX, XXXX XXXX or their shipping company XXXX.
3 ) Capital One asked for " A second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and how much that will cost ''. I find this to be an absurd, outlandish and a very unreasonable bizarre request. Am I to seek out another fraudulent company in XXXX and pose this request to them?
4 ) " The number of times the merchant tried to correct the problem ''. XXXX. The merchant has not responded to any of my requests to change or refund the order. I have sent 9 emails, including another on XXXX the day I received the second letter from Capital One.
5 ) " A description of how I tried to resolve the dispute with the merchant ''. I provided this description on the letter I uploaded to the link Capital One provided along with all the other documents they requested on the XXXX.
I have put together another letter to Capital One describing the ordeal, the original ad, the invoice, and description of how I tried to resolve this with the merchant.
I dont believe this to be a credible " Merchant ''. I think this is a Scam from a company or entity in XXXX and I will never get what I ordered therefor, a month after purchasing the item I want a refund and dont expect to pay for this. Presently Capital One reversed the charge after After I disputed it the first time. They re-instated the charge after they got a letter back from XXXX XXXX. I called again and took hours to do screen shots, convert to PDF and upload all the documents and letter. Now I received another letter with the most outlandish requests from Capital One.
I would appreciate any help the CFPB can provide in this matter. Again, it has been 1 month and I dont have the item I purchased and I just want my money refunded, permanently and Capital One stop making outlandish requests that are unreasonable and impossible. As a customer, I should not be put to task over and over again to repeatedly provide the same information to dispute this fraudulent charge.
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05/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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3 : What happened? On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX charged XXXX ( see attachment A ) from my capital one credit card as a payment for a property located in XXXX XXXX, State of Florida, which I did agree to buy on the previous phone conversation. From this date of the payment, XXXX XXXX should clear and process all documents at XXXX XXXX Clerk of the Circuit Court to convey the property under my name ( XXXX de XXXX XXXX, and he did. ( See attachment # 5 and 6 ). But, on the first week of XXXX I received a notice/letter from XXXX XXXX Property Appraiser saying that : ( see attachment # 3 ) - IN PROCESSING THE DOCUMENT ON THE TAX ROLL, WE NOTICED A DISCREPANCY WITH A LEGAL DESCRIPTION AND/OR OWNERSHIP. In additional information ( see attachment # 3 ) THE CIRCUIT COURT SAY ; THE GRANTOR DOES NOT HAVE AN INTEREST DUE TO PREVIOUS DEED NOT BEING PROCESSED, AND WITNESSES ARE MISSING FROM PRIOR DEED. After receive this communication from XXXX XXXX Circuit Court, I did call XXXX XXXX and we decide to cancel the Deal, because I didnt have any security or warranty. After the conversation over the phone with XXXX XXXX, I called capital One asking for adjustment and OPEN A DISPUT for credit back {$1.00} to my account because the Transaction/ Deal have been canceled. They did credit my account by XXXX XXXX ( see attach. Statement B ). And they sent me a security message ( see attachment # 4 ). > > > > > After that, I talked with XXXX XXXX over the phone and we agree that, I will sign, notarize and Email to him a WARRANTY DEED transferring back the property to his name. I signed By XXXX XXXX ( see attachment # 1 # 2 ), and I sent to him in his Email = XXXXXXXXXXXX, and also the original by Mail USPS. So, between him and me, it was all done after this Day. But looks like he works continuum with XXXX XXXX proving that, this Deal/transaction wasnt cancelled. So, Capital One/XXXX XXXX RIBILL my acc. Again by XXXX XXXX ( see attached Capital One statement C ) And then, I called Capital One/XXXX XXXX again asking them why they rebill my acc.? They said that : We will send you a link by Email, for you to download all documents about the cancelled Deal to prove that you dont have to pay XXXX XXXX any more. Ok, I did it by end of XXXX. I sent trough Capital One Link, all this papers, principally a Warranty Deed transferring back the subject property to XXXX XXXX ( see attach. # 1 and 2 ). And I called back Capital One and ask them if I do have anything else to do, to help them? They answered categorical no. On XXXX XXXX, Capital One credited the {$1.00} back to my account ( see attached Capital One statement D ).
Capital One/ XXXX XXXX never ever communicate with me from that day or even a security message to me, or call me. By XXXX XXXX, Capital One/ XXXX XXXX REBILL my account again the {$1.00} ( see attach. E ), so, I called them again a Capital One. And this it was the final conversation with Capital One : I asked ; What happened this time?
He answered : XXXX XXXX arbitration took the money on your account and credited XXXX XXXX, and there is nothing we can do in this case. I asked : You are telling me that ; I dont have the property, I dont have the money, so this guy ( XXXX XXXX ) have a right to have my money, and now I have to work to pay Capital One?
- I Never had in my life that kind of situation before, I was without words for a minute - I asked Capital One representative supervisor : If you cant do nothing? What can I do? He answered : you must Look for a third party to help you. Or you can call XXXX XXXX and ask him the money back. I asked : whos third party is it? He answered : I cant tell you, I can not give you any advise. I said Thank you! I did contacted XXXX XXXX by Email, tax message and over the phone, asking him my money back please?
But, he said that, he didnt receive any {$1.00} credit in his account. So, looks like the money are lost between Capital One and XXXX XXXX.
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10/21/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
In XXXX, 2016, I received no statement pertaining to my credit card account. In vain, I attempted to phone Capital One. The response was a recording indicating my account was under investigation for fraud. Thus, I was unable to pay either the monthly due by statement or by telephone. Subsequent months ( XXXX and XXXX ), I received this same message, not by a Capital One employee, but rather via a recording. In XXXX, at last, I was able to speak with a person from Capital one ; a male who stated my account was under investigation for fraud and that I must FAX a copy of my drivers license, social security XXXX, and credit card. This I did. In XXXX, I attempted ( successfully ) to contact Capital One. I was told that the Social Security Card FAX was blurry and must be resubmitted. This, I did. In late XXXX, I received a statement ; XXXX " out of the norm '' from the usual suggesting I owed well in excess of {$100.00} for missed payments. ( Note : Maximum card amount was/is {$500.00} ) In vain, XXXX and XXXX, I attempted to phone Capital to protest this interest amount, as I had been precluded from making a monthly payment ; a monthly payment I had made, without fail, for in excess of three years. I continued to make phone calls, as well as in XXXX, writing to a XXXX XXXX XXXX noted by Capital One a response site In addition, I sent a check for the amount of {$60.00}. ( Note : Correspondence and check were dated, XXXX XXXX, 2016. ) However, in subsequent phone calls, when I queried, " Who is accused of fraud and please explain the " gist '' of this fraud complaint? ", I was told, we are unable to provide this information because " your account is under investigation ''. I, also, questioned, " Why has my check NOT been deposited by Capital One? No positive response was received ; instead, queries by Capital One consisting of when did you send it, where did you send it, how much, etc ... ... .Last week, I went to an entity of my financial institution XXXX XXXX XXXX XXXX XXXX XXXX, where an employee of this bank entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) verified to Capital One rep, on phone, I was/am, indeed, XXXX XXXX XXXX I was provided ( per my suggestion ) another " code '' word. When I attempted to phone the following day ( Week of XXXX XXXX ) to ascertain when statement would be sent to my permanent address, I was told, that department is busy, you will have to phone in XXXX to XXXX hours. I, again, asked about missing check for {$60.00}, and received a response, " Are you sure you sent it ; if so, it must have been lost in the mail or other possibility ( unnamed ) ... ... Then, on Monday or Tuesday of this week ( I am uncertain whether it was the XXXX of XXXX of XXXX ), when checking my XXXX XXXX XXXX XXXX account, which I generally do, on a daily basis, it was noted that Capital One had deposited the check for {$60.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..My complaint/contention is I should not have to pay the stated exorbitant ( my adjective ) amount Capital One states I owe ; given that since XXXX, I have repeatedly attempted, via both telephone calls and written correspondence, attempted to obtain a statement in order to make my monthly payment ; an amount that, admittedly, I often paid the minimum amount ( {$18.00} to {$20.00} ) ; but nonetheless, was completely responsible ( i.e. punctual ) in doing. Justice would dictate, I need to resume payment, effective what my monthly payment would have been in XXXX, 2016 ; NOT an accumulated interest and late charges deemed as owed by me by Capital One. I would think Capital One, by law, must submit my payment record for the past three ( or more ) years ; which verifies my account of being punctual per monthly payment. Thank you very much for your time and assistance. I look forward to hearing from you. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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05/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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On Monday morning, XX/XX/2023, I used the Capital One Mobile App to open a checking account. I went through the steps it showed on the screen, filling out the requested information, but it would not let me complete the setup without contacting customer service, which I did. After verifying my identity via the ID verification process provided by the Capital One Customer Service, I received an email saying the account had been successfully created, and I needed to create a username and password for it. However, when I returned to the webpage to complete the process and create the username and password, I was greeted with another page telling me I needed to call customer service again and again verify my government ID. I did that, and over the course of an hour had to verify my ID four separate times, none of which allowed me to access my account. The final customer service representative on the phone told me I needed to go into my local Capital One physical branch, which I did.
After talking with a very nice customer service representative in person, she called the same customer service line I had spent an hour on hold multiple times trying to figure things out. After she attempted to prove to the other customer service representative on the phone that I was indeed who I said I was, which I proved by bringing my drivers license and SSN, she handed the phone to me.
The man on the line was very hard to understand, but I gave him my phone number like I had four other times to go through the verification process. However, I was met with a cold response, almost as if he was reading a script, of We are unable to verify your government-issued ID. We are closing and locking your accounts. You are unable to bank with us again. There is no need for you to contact us anymore, please do not call us again.
I handed the customer service representative the phone back, and the man on the line hung up on her after fifteen seconds or so. She told me Capital One thought someone else had access to my SSN, and that I should file a complaint, which I am doing now. Again, she was very nice and apologized about the whole situation. However, I am disappointed that Capital One was unable to provide me with a clear reason as to why they were unable to verify my government ID and why they closed my accounts, barring me from banking with them.
I am certain that they believe me to be two separate people, because I created both a savings and checking account, but I was only ever able to access my savings account. This leads me to believe that although I went through all the same processes, Capital One thought I was a different person the second time, the time I tried to set up my checking account.
However, I am not willing to risk my financial security because of Capital Ones poorly designed system. I want to be guaranteed that I am not at risk of identity theft, something that Capital One told me I had either experienced or was in great risk of, without ever giving me any resources to remedy the problem they caused. I have never had any issues with any other bank, and until today I did not have any reason to be concerned. But because of Capital One, I am now worried about the possibility they likely caused because of their inability to do their job.
I will not be banking with Capital One again, not because they have barred me from doing so, but because their entire customer service system is incredibly bad. The in-person people helping should not have to wait on hold on the same phone lines as every customer. It does not make sense, and I believe the situation could have been handled better if the representative who I met with in-person had been able to take care of things without having to call the same customer service line I did.
Dear Capital One, please do better, and let your employees who meet in-person actually help us customers instead of having to go through the same backed up phone system.
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10/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
|
I applied for the CapitalOne SavorOne credit card through CapitalOne 's website after seeing the benefits of the card online on CapitalOne 's website, including a New Cardmember Offer prominently featured as follows : " Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening 2 ''. If you scroll further down the web page Footnote 2 reads as follows : " 2This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months. '' I did not at any time navigate away from the website or close the page, and I am not an existing or previous cardmember of CapitalOne. I applied for the SavorOne card immediately upon seeing the promotion, and my application was approved immediately. I was notified via email I would be receiving the card in the mail and have since received it. Upon setting up an online account with CapitalOne I did not see anything that mentioned I would be getting a {$200.00} cash bonus upon a {$500.00} spend within the first 3 months. I searched specifically in a section entitled " Important Disclosures '' and there was no mention of a {$200.00} cash bonus. On XX/XX/XXXX, I along with my mom contacted CapitalOne at XXXX. We spoke to a representative named XXXX and inquired about the {$200.00} cash bonus. We were told if it was not reflected in my online account I would not be receiving it. I mentioned that the promotion was prominently displayed on the SavorOne page of CapitalOne 's website but she said she could not just give me access to the promotion. We then asked to speak to manager, and shortly thereafter we spoke to a manager named XXXX who let us know he would submit the case to be reviewed by a back end supervisor. That same day, I received a call on my phone from a supervisor at CapitalOne named XXXX who confirmed that I would not be receiving the promotion. According to XXXX the promotion is only available to customers with a certain credit score. We informed XXXX that there is no such limitation on CapitalOne 's website in connection with the SavorOne card and urged him to check for himself. The only limitation displayed on CapitalOne 's website is Footnote 2, which states that " This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page '' or if you are an " existing or previous cardmember '' who previously " received a new cardmember bonus for this product in the past 48 months ''. Based on CapitalOne 's online marketing I should not be denied the {$200.00} cash bonus opportunity upon a minimum {$500.00} spend on the grounds that I don't meet a certain credit score, as my credit rating is not stated as a condition of receiving a cash bonus anywhere on CaptialOne 's website. XXXX responded by saying he can't just give me a cash bonus and that there have been others who have complained but he does not have authority to dole out benefits. At the time I applied for the SavorOne card my credit score as published on XXXX was XXXX.
CapitalOne lured me into applying for their SavorOne card. I applied thinking I would be eligible for a {$200.00} cash bonus offer because I could see nothing on CapitalOne 's website that would disqualify me for it. Also I could have applied for the student version of the SavorOne card which advertised a {$50.00} cash bonus, although I have no confidence I would have received that bonus either. My mom asked how we could contact the legal department and XXXX told us all we can do is make a general inquiry via the USPS at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, while also letting us know there was no guarantee we would ever receive a response back.
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08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
|
I XXXX XXXXXXXX would like to submit a complaint for Capital One Quick Silver Credit Card. On XX/XX/2023 I tried to make a purchase to pay for gas and it was declined. Then I tried at the grocery store, but the card declined again. Therefore I logged into the online banking for my Quick Silver credit card. And the account said that it had been restricted. I called customer service immediately and was disappointed in the responses received. I then asked to speak with the manager. I was told by the manager that a notice had been sent out on XXXX he said that I would receive it by the next day. Then I asked why was he not able to explain to me over the phone the reason that I had no access to my credit. He stated that it may have been for going over the credit limit. I asked him to look at my account and explained that I have credit available and my payments are current so why don't I have access to utilize my credit? I also asked for the customer agreement to help me better understand why my account has been restricted. The manager for customer service said that it would take 30 days for Capital One to send me the customer agreement. And he still was not able to give a direct answer as to why my account was restricted. I have not received a notice or explanation by email, mail, or phone as to why my account has been restricted.
I am writing this letter to bring to your attention a series of issues I have encountered with my credit account, which has caused significant hardship and inconvenience for me. I would like to formally register a complaint against Capital One Quick Silver Card for the following reasons : adverse action, misleading information, denial of credit access, and non-notification of account changes before or after changes were made.
I have recently experienced an adverse action after using my credit card for a transaction. The adverse action resulted in severe physical discomfort and financial distress. As a responsible credit cardholder, I promptly reported this incident to the Capital One customer service helpline. However, I was met with unhelpful and dismissive responses, which only exacerbated my concerns.
The representative I spoke with was uncooperative and failed to provide a satisfactory resolution to the issue.
Furthermore, I must express my disappointment with the misleading information provided by your company 's representatives. On multiple occasions, I contacted your customer service department seeking clarification on my credit limit and available credit balance. Unfortunately, I received conflicting and inconsistent responses, leading to confusion and an inability to manage my credit effectively.
Most distressingly, I have been denied access to my credit, despite my timely payments and adherence to the terms and conditions of my credit card agreement. This denial has caused significant financial hardship, as I have been unable to meet my financial obligations and purchase necessary items for my daily life.
As a loyal customer of your company for three years, I am deeply disappointed by the manager that I spoke with, the manner in which my concerns have been handled, the lack of assistance provided, and the negative impact these issues have had on my financial well-being.
I believe that it is in your company 's best interest to resolve these issues promptly and amicably. However, should my concerns continue to be disregarded or not addressed satisfactorily, I will have no choice but to escalate this matter to relevant regulatory bodies and seek legal counsel to protect my rights as a consumer.
I trust that you will give this matter the attention it deserves and provide a prompt and satisfactory resolution. I expect to receive a written response within 5 days of your receipt of this letter.
Thank you for your immediate attention to this matter. I anticipate a swift resolution and a restoration of my confidence in your company.
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06/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Servicemember |
On the morning of XX/XX/XXXX, a deer ran in front of my wife 's car. Her vehicle struck the deer and incurred damage. I contacted my insurance agency, XXXX XXXX, and they advised me as to which repair shop to use, and that I could get a rental car with their partner, XXXX XXXX while my vehicle was being repaired. The estimated cost to me for the rental car was estimated to be, after insurance, {$110.00}. I agreed and initialed the contract late afternoon on XX/XX/XXXX after they authorized my Capital One MasterCard.
The XXXX XXXX XXXX called us and let us know that the repair was going to take several days longer than the initially quoted XX/XX/XXXX date due to a backlog they were facing in repairs due to a recent local storm. I called XXXX XXXX about the extension and they reached out to XXXX XXXX. XXXX said that XXXX XXXX approved the extension and then XXXX said that my cost would be {$12.00} per day. I agreed to the daily price. The total for the extra days should have been an additional {$51.00}. The overall total for the rental car and the additional days should have been roughly {$160.00}, even with the 4 additional days. XXXX XXXX was also paying XXXX directly for their amount as part of the insurance claim payout.
After the repairs to my vehicle were completed on XX/XX/XXXX, I called and asked about how to return the vehicle. XXXX informed me that I should leave my rental vehicle at the repair shop after I pick up my repaired personal vehicle, and they would pick up the vehicle as part of the XXXX XXXX insurance and repair services. I left the keys with the repair shop as instructed and returned home with my vehicle.
However, on XX/XX/XXXX, my card was charged {$400.00}. 5 days after I had already returned the vehicle. When I called on this, it turns out that XXXX had misquoted me the price for the vehicle and that they had not actually gotten approval from XXXX XXXX like they had originally told me. The charge was billed to my Capital One Card that they had on file. The transaction amount was never approved by me, nor was my signature provided. XXXX XXXX claims that they never agreed to cover the additional fees and that they had no record of XXXX calling. XXXX admitted that they misquoted the amount, but that I was responsible for the amount anyway.
I tried to resolve this with both XXXX XXXX and XXXX XXXX. However, it was one giant corporation pointing a finger at another giant corporation. The only option for me was to contest the charge with Capital One.
Since there was no final receipt, due to me dropping off the vehicle. Since there was no final receipt and because when I signed my contract with the rental company, I was supposed to cover general use costs in case of damage to the vehicle or fuel. I agreed to this and allowed my card to be authorized for {$160.00} instead of the actual {$110.00} to cover incidentals. The same way hotels may authorize your card for incidentals.
However, Capital One refused to credit the amount back because there was no receipt for the transaction. I explained that this was due to the fact that there was, in fact, no receipt because none was given because I was told to drop the vehicle off at a third-party pickup location ( the repair shop ). They also said that since I initialed a digital page that said I would cover incidental costs, that they could charge me whatever they wanted. I asked if I OK'ed a {$5.00} transaction and they charged me {$50000.00}, would I be liable for the {$50000.00}? Their answer was Yes.
I saw this as an unacceptable answer. When I was quoted a price from a merchant, and they charge me an amount more than twice as much as quoted days after I returned the vehicle, I found this to be very dishonest. I found it even more distressing that Capital One finds no issue with a merchant charging amounts that are significantly different than the original bills of sale, and thinking that it is fine.
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03/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
In XX/XX/XXXX, it became clear to me that my husband and I were way in over our heads with too many credit cards carrying very high balances, with correspondingly high interest rates. Our monthly minimum credit card payments in total resulted in leaving us short of cash to pay our rent, utilities, food, and basic needs for our XXXX children. We do not make a lot of money ( under {$4000.00} income combined monthly ). I began researching debt consolidation companies with much trepidation, as the process required us to pay these companies up front with the promise that they at some point would negotiate our debt - a very scary predicament for us as we were already under a lot of stress.
We decided to reach out to all of our credit cards directly to see if we could close the cards and negotiate a long term payment plan to fulfill our obligation and pay them off.
We have been successful with many major creditors : XXXX, XXXX, XXXX, XXXX in securing a monthly payment that we could handle and a reduction in the APR during the duration of these plans.
Here is where my complaint begins : When I approached my Capital One credit card over the phone to negotiate a solution ( card was not behind in payments ) in XX/XX/XXXX I did not have any success with negotiating any payment plan, or any reduction in the APR. I went on to explain that we were struggling to pay our basic needs bills ( rent/food/utilities ), and that a minimum payment of {$150.00} where the monthly interest was {$100.00} was crazy as we would only be applying {$52.00} to the balance principal owed, and we would never be able to pay the card off. My conversation went to explaining to the XXXX XXXX rep to please understand that we want to pay this debt, but require the card to enter some sort of payment plan with a reduction in the interest charges ( {$100.00} apr interest a month at that time ). A representative flat out told me that they would not allow any negotiations until the card was 30 days past due ... ... .which meant for the first time, since I had the card, I would have to be the " bad guy '' and miss a payment just for someone to negotiate with me.
So I skipped the XX/XX/XXXX payment, as I felt I had no choice so I could then negotiate with Capital One. Next phone call I made was in XX/XX/XXXX. The rep asked me a bunch of questions, and told me if I paid XXXX this month, then on a payment plan thereafter I would pay XXXX per month-but he could not confirm the payment plan over the phone - I would have to wait for a letter from Capital One. Well, a few weeks later I did receive a letter denying the request for a payment plan at this time. I then understood that I had negotiated nothing with Capital One, and my next statement asked for a {$480.00} minimum payment even though I had made the payment of XXXX in XX/XX/XXXX, and {$110.00} in XX/XX/XXXX like the representative asked me to. I called again in the beginning of XX/XX/XXXX to try to go higher up in the Capital One bank asking for a manager to review this situation. I received two phone calls from 2 different managers telling me once again that I did not qualify for a payment plan at {$110.00} per month. I asked how much do you want a month for me to qualify? She said " she could not tell me that ''. I asked her why? She said that I would have to tell her how much I could pay .... ( the {$110.00} was not the right answer ).
I am not sure what to do now with this credit card. It was like they wanted me to fail. I want to pay this card off, I do not want it sitting out as compromised debt, but the willingness from Capital One to allow me to pay off a credit card balance of {$5400.00} on a payment plan with the card closed does not seem possible. Could you please help me. So many phone calls, with no result. I am heavily affected by this situation. I can not seem to get this under control. This is the only bank who I can not negotiate with.
Sincerely,
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03/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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XX/XX/XXXX I purchased a XXXX chevy 4x4 truck for {$42000.00}. The vehicle was financed through " Capital One Auto Finance '' ( here after referred at as Capital One ). They loan payment was {$880.00} per month for 72 months. In XX/XX/XXXX I had financial trouble due to being in construction and the housing market drop dramatically effected my income. The last loan payment made was XXXX XXXX. I explored every possibly option to keep the vehicle, but unfortunately I ultimately agreed to a voluntary repossession approximately $ XXXX was owed at the time of surrender. The vehicle was sold by Capital One at auction leaving a balance of {$10000.00}, as reported to all credit bureaus by Capital One. My personal credit report shows the {$10000.00} balance was charged off by Capital One as of XXXX XXXX. Oddly enough, Capital One also reported to the credit bureaus the vehicle was repossessed ( " R '' ) as of XXXX XXXX, yet the charge off was reported to the credit bureaus as of XXXX XXXX. The data reported is clearly false and inaccurate. It is impossible for the balance of the loan ( {$10000.00} ) to have been charged off two months prior ( XXXX XXXX ) to the reported repossession date of XXXX XXXX. This would mean the vehicle was sold at auction by Capital One two months prior to the vehicle having been surrendered by me to Capital One.
As stated above Capital One reported the {$10000.00} " Charged Off '' to the credit bureaus as of XXXX XXXX. Even with the vehicle loan being in a " Charged Off Status '' by Capital One, Capital One has continued to report every month since XX/XX/XXXX ( to current date XXXX XXXX ) as " CO. '' The action being taken by Capital One has and continues to dramatically effecting my credit report/score through all credit reporting agencies. The information being updated monthly since XX/XX/XXXX by Capital One makes it appear that I still have an active loan payment of {$880.00} which I am not paying monthly and am past due on for the last 76 months ( keep in mind that id 76 months of non-payment reporting to the credit bureaus by Capital One on a loan that began XX/XX/XXXX, this is on a loan that if went to term would have matured by XX/XX/XXXX. There has been no loan contract written, verbal agreement made or otherwise implied by myself to Capital One for any payment arrangement on the remaining " Charged off '' amount of {$10000.00} dollars.
I filed a dispute form with XXXX over the Capital One data reported. The dispute results were received and dated XXXX XXXX, XXXX. The dispute results document showed further information stating, " account charged off. {$30000.00} written off. {$10000.00} past due as of XXXX XXXX. '' Capital One has by omission admitted the entire loan balance of {$30000.00} was " charged off. '' The {$30000.00} " charged off '' amount includes the {$10000.00}, however, Capital One continues to intentionally negatively impact my credit score by reporting the amount as a monthly payment being not paid. Following the dispute completion my credit scored dropped dramatically. Upon review of my XXXX credit bureau reports I found that Capital One has fraudulently inflated the balance of {$10000.00} to a new balance of " {$13000.00} '' to all credit bureaus. This inflated balance reporting having occurred immediately following my dispute of their data reporting is an unethical, illegal, fraudulent act that is malicious in nature and is being done to punish me for exercising the legal right to dispute inaccurate reporting to my credit report. Capital Ones credit reporting tactics against me are intentional and retaliatory in nature and are being done for the sole purpose of harming my personal credit reports and credit score. I respectfully request my complaint be investigated and upon completion Capital One shall be required to remove all data from all credit bureaus immediately. Documents are attached to support facts of my complaint.
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06/29/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American |
I hesitate to take the time to write another review after the hundreds of bottom-scraping reviews of Capital One credit cards that are already online. However, since people have different situations maybe this review pertains more to you.
Background : My credit score is XXXX out of a possible XXXX. I 've never once had a late payment to anyone over the past fifty years. I 've recommended Capital One many times to friends because they do n't charge 1 % for charges overseas.
My reward for the customer loyalty is utter incompetence on the one occasion that I 've had a problem. Capital One 's Fraud Department is grossly incompetent.
Brief rundown after more than two weeks of daily phone calls : 1. Despite obvious fraud ( {$15000.00} at an XXXX XXXX halfway across the country from where I live ) Capital One did n't catch this. There was no credit warning. I found the charges online and had to call them. They took all my information and shut down my account saying the case would be addressed within 72 hours and that I would receive a phone call.
2. No phone call. When I called them after 72 hours nothing at all had been done. There were no notes in the account of anyone in the Fraudulent Fraud Department having even looked at the issue. They then told me that to initiate the investigation I had to drive 45 minutes to my bank and have the bank manager call them to identify me. I did that. Capital One then told the bank manager that I 'd received incorrect information and that I had to email them a copy of my driver 's licence.
3. I emailed them my driver 's license and waited another 72 hours. Again, no one called. I called them. After many long holds I was told that the driver 's license was n't what they needed. I needed to find my original Social Security Card from XXXX years ago and send them a copy.
4. I did send them a copy of my SS card along with a bill stating my name and address. Another XXXX hours and no contact. I called them back.
5. They then told me that the SS card and bill were not adequate, so I needed to drive to the bank and have the bank manager call to identify me. See # 2 above. Second trip to the bank.
6. The bank manager called Capital One. They took his number at the bank and said they would call him back at that number. Forty-five minutes ; no call. The bank manager called back. They had copied down his number incorrectly.
7. They said that they had contacted me through a text to my phone. I had told them previously that the thief had also stolen my phone number. Capital One insisted on texting information on how to gain access to my account to the THIEF. I asked several times for them to take my new phone number. They refused to take the correct phone number.
8. Their phone lines drop calls constantly and they will not allow you to speak to the person who just spoke to you, nor will they take your phone number, so you start the process over time and time again.
9. When I finally got someone competent on the phone his first reaction was that he was stunned. He could n't believe what had happened, beginning with no fraud alert on an obviously fraudulent purchase and ending with the fact that no one in the Fraudulent Department had taken note of which purchases were fraudulent. ( This was at least the tenth call. ) So he took note of the problematic charges and STARTED ANOTHER 72 HOUR INVESTIGATION.
10. He did issue another card finally, which I will close as soon as I extract my rewards points. However, he also shut down my online account. I need to login again when the new card comes for security reasons. The problem is that Capital One has taken so long that I have a payment due in two days. I asked the Capital One employee what to do and his suggestion was to pay off the {$15000.00} of fraudulent charges made by the thief, hoping that it would be refunded whenever the Fraud Department completes many more 72 hours reviews in which they
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05/20/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
I have several accounts with Capital One Bank, so on XXXX/XXXX/16 I went to a Branch location to send an International wire transfer for {$27000.00}. I provided a printed sheet with all the necessary information clearly listed, & the employee filled out the Capital One wire transfer request form. He told the wire would take " up to XXXX business days '', even though every other financial insitution I have used, usually process such wires in only XXXX3 days. I was charged a {$40.00} fee for the transaction. I began contacting the receipient bank on XXXX & continued daily through XXXX, 14 days after initiating the wire transfer, to confirm arrival of the funds, but was told no funds had ever arrived. On XXXX I called the bank & spoke with the Branch Manager, who said he would check & get back to me, which he did not do. I finally went to the Branch on XXXX, & was told that the employee who had handled the original transfer on XXXX, had " failed '' to complete the transaction properly so nothing had been done for 15 days. Capital One simply ignored the fact that a {$27000.00} transfer had even been inititated, let alone remain uncompleted for 15 days, & felt no need to contact the customer. Apparently there are ZERO internal audit controls at Capital One, & their employees are so very poorly trained that they are basically clueless about any function other than accpeting basic deposits. The Branch Manager apologized for the lack of professionalism of the employee who had bungled the original transfer, & asked me to let him " personally '' handle the issue, & he would refund the {$40.00} charge since it was a bank error. I agreed. The Manager was then provided the EXACT SAME information sheet as the XXXX employee, & he filled out a XXXX Capital One wire request form, & again told me it would take " up to10 days ''. The {$27000.00} was then deducted from my account on XXXX. I began checking daily with the recipient bank on XXXX XXXX, but the funds had still not arrived by XXXX XXXX, so I contacted the Branch Manager, who was " absolutely & totally CLUELESS '' about what to do. He kept asking me to " simply wait '' & to " keep checking with the recipient bank ''. When no funds had arrived by XXXX XXXX, I contacted the Branch Manager & told him to return the {$27000.00} to my account, & I would have another bank handled the transaction. In response to my request for a refund, I was told NO refund would be forthcoming " until AFTER the bank initiated a search '', which could, AGAIN, " take up to 10 business days. Over the next 7 days we made REPEATED contacts to the Capital One Branch Manager, but were consistently told to " wait '' while they continued their tracking search. On XXXX XXXX I went online to " again '' check my account & noted that " miraculously '' a deposit of {$26.00}, XXXX had been posted as a deposit to my account on XXXX - 7 days earlier. Capital One apparently, unethically, if not illegally, back-dated a deposit date, because we have email messages from the Branch Manager on XXXX, XXXX & XXXX stating they were still " investigating '' the transaction. I contacted the Branch Manager on XXXX & demanded that the {$660.00} be returned to my account, & he responded that the difference was for a " bank fee '' by the " recipient bank '' due to incorrect information. A complete & total fabrication & lie. The recipient bank NEVER received the funds.And 100 % of the necessary information was provided to Capital One not once, but twice. In addition, I learned that Capital One uses XXXX for their International Transfers. I took the EXACT SAME information sheet to Capital One on XXXX & the funds were received by the recipient bank on XXXX. I am due {$660.00} from Capital One, for a transaction that was NEVER completed, which their Branch Manager has categorically lied about. Dishonest employees should NOT be allowed to remain with an FDIC insured financial institution.
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05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
I opened a XXXXXXXX XXXX account in late XXXX that my boss demanded I open because my bank didnt receive XXXX XXXX. My XXXX W-2 was way too high and I brought this to his attention ( XXXX XXXX XXXX he fired me. I fought it till I won but unemployment said I hadnt worked at XXXX XXXX for over a year I then gave the agency all my proof and he lost. I enrolled in medical assistant classes and was buried in my studies and then someone ( authorized user ) had accessed my bank account and turned off all notifications and since I received a grant for school I didnt think much about the bank account. In XXXX XXXX XXXX of XXXX I received 2 letters from XXXXXXXX XXXX on the same day informing me my shared account member entered and exited hence the two letters. I called XXXXXXXX XXXX and said NO ONE has permission to be in my account where I was told they dont have shared users and those letters were scams.
They were not scams I was lied to upon reading all material on XXXXXXXX XXXX you can have up to 2 secret shared users all they need is your SS number and drivers license and then they get their own username and password to my account!! I didnt realize any of this was going on till I paid off my Capital One credit card and then received a XXXX dollar charge which was what I paid down. The card had a XXXX dollar spending limit which I had raised to XXXX which I rarely use credit cards and my credit was a XXXX so I could have had more but I needed to establish my career first.
Then I called XXXX XXXX and said these are not my charges and they said they couldnt go back further to see why those charges were on my card. I thought that was the end but nope someone ( XXXX XXXX perhaps but the other information they hacked had to be someone I knew well ; I have a lot of faith almost all of what happened was committed by my cousin XXXX XXXX XXXX XX/XX/XXXX and her long time boyfriend XXXX XXXX were responsible for what happened next- someone took out 2 or 3 more Capital One cards after I cut my cards up and informed Capital One not to raise my spending balance or issue any more cards and I deleted the app from my phone and didnt realize the danger I was in.
In XXXX they hacked into my emails by using workplace google or XXXX where they then controlled all my passwords. They raised the one card to XXXX and I think XXXX on the other. No mail came to inform me and the cards were sent somewhere??? Slowly and with hours and hours digging into this I discovered they were laundering money through my bank account to the capital one cards then to large weekly payouts into my XXXX ID which Id been locked out of for quite a while. They then used XXXX XXXX with my oldest XXXX ID and they locked me out of that as well as several emails, and all personal information.
In XXXX of XXXX I lost my job due to XXXX and when I tried to file for unemployment I found my username and password had been changed as well as my security questions which is why I think it was XXXX of the above mentioned. XXXX XXXX writes bank code and is an app developer for XXXX, Capital One and yep XXXXXXXX XXXX XXXX can reach into your device and get all your information and delete passwords and so much more. Finally in XXXX of XXXX I reached unemployment where they put XXXX into my account I think unless it was XXXX laundering more money because XXXX claims that they sent it out but XXXX XXXX denies that fact. Within 2 weeks not even all that money was stolen every time I swiped my debit card XXXX came out, the second round was XXXX until it was close to a XXXX and the bank records show all that money being put into another account. To date I have lost my home, car, job, my life and I have called and called all these places to no avail.
I also discovered that someone filled for identity theft before I even knew it was stolen. I dont know what to do and I need help because Im still being stalked by this individual ( s )
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08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Capital One is reporting this account as charged off. Capital One can not collect on an discharged debt. Per the IRS a discharge debt is considered a certificate of indebtedness which is income and can not be reported.
Per 12 CFR 1026.11 any consumer account termination that results in a credit balance over {$1.00} is due to the consumer.
As a federally protected consumer I am now opting out of my information being shared with XXXX. The only true credit bureau is the CFPB and they do not furnish credit reports. XXXX does not have my permission to report my financial history with Capital One.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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11/23/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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My complaint is against Capital One. Last week, I was a victim of fraud, but Capital One was not only ineffective at addressing the issue, they exacerbated it. I found out that I was a victim of fraud when I received a number of notifications alerting me to a {$4800.00} cash-advance transaction marked DECLINED from my Capital One wallet app. When I tried to log in to my Capital One online account to learn more about what had happened, the system would n't allow me to access my account so I called the bank.
When I called the fraud detection number, the representative asked me for the e-mail address on my account, and when I gave him my e-mail, he told me that the information was incorrect and to keep guessing other e-mail addresses. It occurred to me that perhaps the person who had taken over my account had changed the log in credentials and the e-mail on the account. When I suggested this to the representative, he asked me to upload my social security card and drivers license to confirm my identity.
Since I feared that the very information he was requesting over the internet had been compromised, I was reticent to send it. Besides, I was at work and did n't have my social security card on me. But I kept receiving these notifications from my Capital One Wallet app saying that someone was trying to get a cash advance for {$4800.00}, and I was nervous that if the thief had my information, they could find a way to push the transaction through. So I picked up the phone and called Capital One again. Since, in all, I had already spent over an hour on the phone while at work, I did n't have time to address the entire issue with the representative. But I notified him of the alert, told him I would discuss the matter later in the day, but as it was, I asked him to put a hold/alert/whatever on my account, and that somebody was conducting fraudulent activity.
Not 5 minutes after I hung up with the representative, I received a notification from Capital One saying that a cash advance for {$4800.00} was APPROVED. I immediately called the Capital One fraud department again, only to be told outright that the previous representative removed an alert from my account by mistake.
The fraudulent activity only occurred because the fraud representative changed the status on my account. I would have been better off not reporting the activity at all. Even though I reported the fraudulent nature of the charge within minutes of it occurring, Capital One has added a Cash Advance Fee charge to my account ( {$140.00} ), a charge that is incapable of being removed until the case is closed ( 90 days ).
Throughout the next 7 days and approximately 10 or so phone calls, things continued to get worse. Capital One sent out a replacement credit card that never reached me because they sent it to the thief instead. When I called to report this, they assured me that, in fact, the card did go to my house but that they would humor me and send a new card anyway. When I directed them to the XXXX tracking number that confirmed that, indeed, the card went across the country instead of to me, they continued to ignore me. They sent another card -- again to the thief ( attached is tracking info ). By sending these cards to an address I had never been associated with, Capital One continued to put me at risk, even though I had reported fraud on my account.
Finally, Capital One claims that with a bit of patience, all will go back to normal and I wo n't have to pay anything that the thief took. But I am currently applying to take out a mortgage loan, and the {$4800.00} cash advance has significantly impacted the debt/credit ratio. I have been told that this will not change until the case is closed ( 90 days ). The fact that a charge, which I responsibly did everything to avoid, stands in the way of me, my family 's house, and a good interest rate, is infuriating. Capital One has done worse by us than the thief.
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08/12/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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On XXXX XXXX, XXXX, my husband and I called Capital One to close our credit card. We paid the outstanding balance of {$99.00} by debit card and closed the account. Now six months later, we applied for a new mortgage and after 3 days and many hours of calling Capital One found out that the payment in XX/XX/XXXX did not go through because they had mistakenly tried to take it out of an old XXXX XXXX XXXX account that they had on file which was closed in XXXX. It was our XXXX XXXX account, where all of the most recent payments had been made from that they should have taken the payment from. Without ever receiving any notification by email, letter or phone call, that the payment did not go through or that there was still an outstanding balance, we were informed by our mortgage company that suddenly in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Capital One started reporting our status as late. Even though they have record in their own files that it was closed in XX/XX/XXXX and that payment had been attempted. They then agreed to listen to the phone call to determine how the mistake had been made by the agent. After " supposedly '' listening to the call they informed us that they decided that they would not remove the lates and refused to give us any details of the phone call or the reasons why. We could not have possibly verbally given them the account # for the XXXX account because we had not used that account for over 4 years. I say " supposedly '' because they were unable to give us any details of the phone call and why they made that decision. This was clearly a mistake by the agent over the phone and we feel that it is unethical for them to ruin our credit report and prevent us from buying our dream home because of their error. Our payment history was perfect up until we closed this account and we still have a different Capital One Venture card which also has perfect payment history. In fact, on the same day, we closed a XXXX Capital One card which was also showing up as late XX/XX/XXXX, which upon further review in the last few days, they realized that it had not been late, was paid on time and then closed, so they agreed to remove that incorrect late status within 24 hours. The last agent I spoke with, was rude and cold and just kept repeating the same thing, that even though he did not know " why '', they " have concluded that is was not their fault and that they would not be removing the lates. '' To be treated so badly by a company that we have paid thousands of dollars to over the years is outrageous. Regardless of whether or not they admit their mistake and take responsibility for it, all agree that there was a mistake and confusion of some kind in regard to payment attempted in XX/XX/XXXX and shows " closed ''. This agent said he was the " top guy '' and this his boss did not speak to customers. And basically had an attitude of disrespect and blatantly did not care about the situation and the fact that his company, through no fault of our own, has negatively impacted our financial situation and has kept us from being able to finance and buy our dream home. This is unjust that they should have so much power over our financial future. This hardship that they have caused is devastating and will affect our lives negatively for years to come. It seems to me that they should have some legal obligation to contact a person who tried to make a payment and close account before they begin to report to the credit bureau. He stated that I " should '' have received statements by email, which I did not. If they were willing to remove the other error, regardless of who takes the blame for this nightmare, I do not understand why they refuse to remove the errors that are destroying our credit report. We feel that we are being penalized and punished for choosing to close our credit card. We ask that they reconsider and treat us respectively as the long time customers that we are.
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07/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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What happened was as I went to my annual credit report I noticed I had a lot of hard inquiries which dropped my credit score tremendously. I have XXXX inquiries from capital one here are the dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with this company I called them and they refused to remove them because they said they were accurate and I told them that I just noticed them on my report and have no idea where they came from and they said we are sorry but it says they are yours so there yours. XXXX XX/XX/XXXX I called them and they told me that this would be removed in 5 days and this was over a year ago and still on there. Next one is from XXXX/XXXX on XX/XX/XXXXI had others removed from my account from the XXXX company format and they were supposed to remove all of them and thus this one still remains and I dont no why.then on XX/XX/XXXX there were multiple inquiries on this day one XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. And I told these companies I dont even drive why do I need a auto loan I 'm on XXXX due to XXXX and a fear of road rage. And they told we are sorry for the incovence we will remove these inquiries from your credit asap and yet they still remain.XXXX/XXXX is I 'm assuming a loan company which I 've never heard of and they showed up on my report on XX/XX/XXXX I tried contacting them and they said they would look over it and return my call still no response. On the date of XX/XX/XXXX I noticed two of the same account from credit plus either a credit card or a loan company that ran my credit with out my knowledge they informed me we are sorry but we can not remove it until the time lapsed to full years. XXXX XXXX XX/XX/XXXX is not correct I applied to that company in XXXX for money for my kids XXXX and they desided again to run it in XX/XX/XXXX of the following year without my knowledge somehow. XXXX XXXX XXXX XX/XX/XXXX is a incorrect account since I used this company from XXXX until XX/XX/XXXXfor college and I graduated and they said I applied for another school loan which is inaccurate. XXXX/XXXX on XX/XX/XXXX this I 'm assuming was ran on my credit and XXXX two was ran from the XXXX credit card company on XX/XX/XXXX and XX/XX/XXXX which I called them and said these inquiries are incorrect I have a credit card through your company already why would I apply for the same credit card. And they told me sorry sir we will fix this as soon as we review that u indeed have a credit card through our companies which I indeed do have a store credit card through them and they still have not removed the info. Then from XXXX XXXX I had a inquiries from XX/XX/XXXX and one on XX/XX/XXXX for the same thing a credit card which which at this time I already had a credit card which I only wanted to use to build my credit so I could establish enough good standings so I could purchase a descent home for me my wife and kids and yet all these inquiries kept popping up hurting my credit scores and pulling me under water along with another creditor but this time was a loan company that I already taken care of. And the company is called XXXX XXXX for a 4 year old account for XXXX dollars and they removed it from my account as closed and current back on in by another creditor as passed due and derogatory and opened. Then this year I went and got another loan from the same company called world finance and they gave me a loan so if I so didnt pay my debt why would they issue me another loan for more money and they said they ai n't sure what is going on. So I tried all I could do to support my family and I on my XXXX check and get a home and still these people keep dragging me down and running me in the ground. So as my last resort I am reaching out for help once again to get them to be removed and have them leave me and my family and credit alone. Thanks so much and XXXX bless.
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04/28/2016 |
Yes |
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- Customer service / Customer relations
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Web |
Servicemember |
I first discovered this problem during the time that XXXX XXXX was changing their agreement with Credit Card Issuers. At that time in XXXX/XXXX/XXXX Capital One Bank did not send in my payment on time as agreed to XXXX XXXX even though they had my correct Checking Account information. Capital One intentionally and with great harm to myself and my Credit Score refused to remove the 30 day late and instead tried to find fault with me. The fact is that Capital One is mad because XXXX XXXX was ending their relationship with them so they did not send my payment in on time. When I asked them to correct this issue they instead refused even after I Disputed this false reporting to all three Credit Reporting Agencies. At I was contacted by XXXX XXXX regarding the missed payment and was at that time informed of the changes regarding their Credit Card Agreement was ending with Capital One and they were switching it to XXXX XXXX. I immediately paid XXXX XXXX myself since Capital One failed to pay them as agreed out of my same checking account. I then made arrangements with the new Credit Card XXXX XXXX XXXX insure that future payments were made on time as agreed to XXXX XXXX. I then contacted all three Credit Bureaus and properly filled a Dispute.regarding Capital One intentional missed payment. All three Credit Reporting Agencies informed me that they will not and can not change my Credit Report and that they must report what Capital One Bank is reporting to them. They ignored my statement regarding this issue and ignored letters I received from XXXX XXXX stating I made the payment directly to them and that they had ended their relationship with Capital One Bank and were in fact in transition during the time this issue occurred. Capital One Bank continues to harm me as I am not able to improve my Credit score. I have been denied Credit as well. The false report to the Credit Brueas Is intentional as I no longer have any type of relationship with Capital One Credit. After many calls and letter Capital One Credit refuses to correct his false reporting even though they caused this problem intentionally and with Great Harm to me and my Credit. Please investigate this very important problem and make Capital One correct this to reflect that I paid on time as agreed and stop them from continuing to harm me.and my Credit Report. Please make the Credit Reporting Agencies correct my report so that I will stop being denied credit and show that the payment were made to XXXX XXXX even thought Capital One refuses to correct their own false Repo This is what is being reported on my Credit Report : CAP1/XXXX Payment Status : Unknown Balance : {$0.00} Account # : XXXX Date Open : XXXX/XXXX/XXXX Last Updated : XXXX/XXXX/XXXX Account Status : Closed Terms : Revolving Phone # : - Address : - Ownership : Individual Original Creditor : - Company Sold-to : XXXX Credit Limit : {$1500.00} Monthly Payment : - Past Due Amount : - High Balance : {$1000.00} Balloon Payment : - Comments : N/A As you can see the Credit report does not show any late payments however in further investigation I discovered that Capital One is Reporting that I was late on XXXX/XXXX/XXXX. My Credit report also shows that on that same time period XXXX/XXXX/XXXX my XXXX XXXX Credit Card with XXXX XXXX is correctly reporting that I made my payment on time as agreed, It is important to consider that at that time XXXX XXXX ended their relationship with Capital One and as reported on my Credit Report XXXX XXXX obtained my Credit Card Agreement from Capital One. Capital One is and continues to make false reports on my account with XXXX XXXX during the time they were responsible to pay my payment was make on time, they failed to do so Instead state that I am at fault. XXXX XXXX did prepared a letter I provided to all XXXX Credit Reporting Agencies however they too refuse to change my report to good standing removing the 30 day late.
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11/05/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
My wife had sent a payment by conditional acceptance payment. The payment was in a form of accepting the remittance lower part of the statement by accepting the credit or presentment turn it what is called bill of exchange as negotiable insturment to discharge the balance of the credit card ending in XXXX.
The laws states that you are no longer to pay with legal tender notes or federal reserve notes. the laws states. court case Guaranty Trust Company vs. Henwood, 307 U.S. 247 ( 1939 ), a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, Federal Reserve Notes legal tender for discharge of debt is no longer required.
XXXX. The giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.
XXXX. The use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.
3. Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
XXXX. That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.
XXXX. Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ).
This is USC and UCC. Laws and regulations under federal reserve regulations.
FRN are only use in medium of exchange for goods and service. Under the provisions HJR 192 there is only discharge debt or off set the balance.
a commercial presentment under section 3-501 ( 1 ) Unless excused ( section 3-511 ) presentment is necessary to charge secondary parties as follows : ( a ) Presentment for acceptance is necessary to charge the drawer and endorsers of a draft where the draft so provides or is payable elsewhere than at the residence or place of business of the drawee, or its date of payment depends upon such presentment. The holder may at his option present for acceptance any other draft payable at a stated date.
1. USC 31 3121 PAYMENT OF OBLIGATION 2. 31 USC 5103 COMMERCIAL INSTRUMENT IS LEGAL TENDER 3. 31 USC 5115 COMMERCIAL INSTRUMENT ARE LEGAL TENDER FOR PAYMENT OF DEBT.
4. HJR 192 PUBLIC POLICY 73-10 PASS BY CONGRESS XX/XX/XXXX Capital one has accepted the legal notice conditional acceptance agreement by posting a XXXX dollar bill on XXXX but did not post the negotiable instument in the amount {$6300.00} which was signed by XXXX XXXX XXXX with a exempt trust account on the back of the remittance which is a actual cash coupon. it was a cash coupon.
Capital One insist on saying its companys policy 's not to accept the form of payment, but company 's policy 's are not laws and using there policy to void there obligation to accept any payment by a negotiable instrument. Capital One is rackettering activites under 18 USC 1961 CAPITAL ONE IS ALSO IS VIOLATION BY FEDERAL LAW WHICH CLEARLY STATE BY FEDERAL COURT.
In Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in it's power and capacity, can not lend it's credit by guaranteeing the debt of another.
In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669.
" A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637.
The payment was sent was done by the laws and legal tender is no longer to be used to pay debt with. this is my wife claim and the laws which is backing up her claim.
CAPITAL ONE REFUSE TO RECONGIZED THE LAWS GIVEN BY A LETTER THAT WAS SENT WITH THE PAYMENT.
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03/02/2017 |
Yes |
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Web |
Servicemember |
My husband and I were going to purchase a home last year and I was informed of a judgement against me by XXXX XXXX XXXX XXXX ). I was unaware and immediately began trying to locate the debt to resolve the matter. Eventually I found that Capitol One had purchased the debt and so the story goes ... In XXXX XXXX, I had been speaking to and had established a good working relationship through numerous lengthy phone calls with XXXX XXXX XXXX at Capital One. She informed me that her granddaughter is in the military and that she believed the judgement was illegal. I began researching it ( as I had just recently learned about having this judgement against me in the first place ) and low and behold, XXXX XXXX was correct. It was filed illegally. XXXX XXXX told me that, due to our circumstances ( trying to close a VA home mortgage within a couple weeks ), the quickest way to get this resolved and OFF my credit report so that the VA would close our loan, was to : 1. Overnight payment to Capital One of {$3000.00} ( which I did immediately ). I even took a huge risk and took this money out of our closing costs because I was promised it would come right back.
2. Capital One would " satisfy '' the judgment and remove it from my credit immediately ( she even had extensive details on the attorneys names that would be handling this " rush '' job ) so that we could close on our home on time.
3. Capital One would enroll me in the SCRA program and return the money to me quickly. She said disputing it on my credit report would take far longer, but would work. But this way, if I paid it, you all could close it out, remove it from my credit, and refund my money faster than a credit report dispute.
I called and called each and every day trying to find out where my money was after about a month. At XXXX point I was told by XXXX ( on XXXX XXXX, XXXX ) that a check had been cut on XXXX XXXX and therefore I should be receiving it any day. We continued pushing out our closing and making up ridiculous excuses until we ran out and eventually had to borrow the funds from my grandfather. How embarrassing! Over the next two weeks I spoke to 7 different people in the escalations department, all of who told me they would get back to me and never did.
The SCRA does not protect ONLY when the servicemember is the account holder. It also protects spouses who are account holders, as well as servicemembers who are authorized signers ( and in our case, had a separate credit card for this particular account ). In fact, because my husband was an authorized signer and had his own card, when the account went delinquent, it went on BOTH of our credit reports. We tried relentlessly to remove it from his credit ( because we, too, thought he did not have liability being an authorized signer ), and were never granted that request for seven years. Conveniently, XXXX ( XXXX XXXX ) put the judgement in only my name, not my husband 's, as they knew running a simple check at the courthouse of XXXX XXXX service at the time of filing would not raise flags if filed in my name. But this delinquency was on his credit until XXXX ; judgements stay on your credit for longer. Mostly ALL of my other creditors complied with SCRA and reduced my interest rate to 6 %, whether my husband was the account holder, an authorized signer, or had nothing to do with the account. Those who did not comply, eventually sent me an apology letter along with a check for the overpayment in interest, fees and " inconvenience '' ( i.e. most recent was XXXX Bank, XXXX XXXX for {$2500.00} ). This is very likely due to the recent federal oversight and laws set in place ( and now actually enforced ) as well as numerous federal lawsuits filed against banks for non-compliance. CO offered me a " courtesy credit '' of {$1000.00} which I have turned down as I will accept nothing less than what is owed to me. They STILL have not removed from my cred
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01/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Hi I am very dissatisfied with Capital one Bank and credit card devisions. I opened a line of credit in XXXX of 2021 received card with a limit of XXXX dollar line of credit. Not one time was I ever late in my past six months of payments. How ever the company overcharged my credit card in XXXX over my limit to a company that I had only a charge of a hold for a rental car which fell off and when the XXXX rental car ran it first tried while I was in the hospital for an XXXX dollar charged denied two days later it was charged over my actual credit limit XXXX dollars. I immediately contacted this company and was told they will fix the mistake. However when I went to purchase my new vehicle I was told my credit was over the debt to income ratio by 885 percent. It caused major undue stress I continued to try to get this company to fix this mess I opened a bank account because I thought instead of the 26 days of holding my payments which were posted and taken from my chime account beginning of XXXX showing it was a paid credit card. In full and yet when I would try to even set up a bill pay. Impossible due too the fact that capital one would say unavailable to process no credit available for payments??? Why I asked if I paid them on the XXXX th and set a payment for my phone a week later was this not clearing? I was then charged a fee to turn cell service back on reconnect fees and never given an explanation other than we have the right to hold new accounts? Really well for how long this did not actually become available until 26 days after I paid it always bringing available credit back to my XXXX dollar line of credit! So why was I told we are a call center working from home or abroad? I asked these questions and to no avail was told I had to wait until they release it which I must add quite embarrassing when at a lunch and say Ive got this only to be told declined due to no credit available at time! How very mortified was I and how can you fix it I asked they said we have no answered at this time! Wow great communication really clueless and Im trying to still understand why my account was closed then they approved a quick silver and before I even received the actual card they restricted it and then proceeded to close the two accounts leaving me at a loss for words look at my dicunebtion tell me how can this be happening g you ruined my credit I told them and the car I was approved for had to be returned due to it stating I was XXXX over debt to income! So now no car credit ruined and hey thankyou still have my XXXX and still trying to just understand how this happened? they told me its because I had external and ach holds from outsider banks so I said wrong answer. I have a capital one 360 account then they tried to take a payment unauthorized and charge my bank over draft. Its really messed up my life and I also go to school full time XXXX until I dealt with this nightmare. I was told even though all my payments were on time and then the credit card sent new cards but left my bank account open and vulnerable to theft which had happened before and then mysteriously when they closed out my credit card platinum they actually recharged me with a balance for XXXX charges I never made I was actually in the hospital at that time. called it lame excuse and blamed me they recharged me and removed the credits. Closing out the account for my platinum card and overdrawing my bank accounts. I know that this seems way to far a reach but someone needs to stop these companies from doing this to people trying to survive and I have XXXX it does not have me yet Im under this undue burden because a company was allowed to charge my XXXX dollar credit limit up to XXXX over and then make me wait two months for them to fix it only to lose my XXXX and credit thankyou for your time I pray they can fix this for my sake and others who dont deserve to be dragged thru this undue process.
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04/06/2017 |
Yes |
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- Closing/Cancelling account
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Web |
Servicemember |
I had a PERSONAL Quicksilver Credit Card ( CC ) with Capital One ( CO ) since XX/XX/XXXX ( Card was issued by XXXX then purchased by CO in XX/XX/XXXX ). I also had a checking bank account through their CO360 Service. I never had issues with both. In XX/XX/XXXX my CC limit was around $ XXXX ( indicative of credit score ). CC was always paid on time. I never missed a deadline.
.On XX/XX/XXXX ( date payment is due ) I was checking my statement and found fraudulent charges on my account from XX/XX/XXXX ( {$2.00} repeated over XXXX times the same day! ). I immediately notified CO about the fraudulent charges.
4 days later, On XX/XX/XXXX my Checking account was closed without notification. I called to inquire and they told me no reason could be given. There were no issues with the checking account at all and there were absolutely no reports or any suspicious activities ( No cash deposits/No defaults/No bounced checks/No International trade..etc ). On XX/XX/XXXX my CC was closed. I received a letter dated XX/XX/XXXX stating my account was closed because " We have observed activity on your account that is not consistent with our expectations of usage for commercial or small business purposes. '' I called CO CC customer service rep and I explained to her that my account was personal! How would they close a personal account for violating their small business expectations! She referred me to their Executive Office. I talked to a XXXX twice. She admitted that my account was personal and that the letter did not make sense. She said she would investigate and call me back. There were no calls back. I called again on XX/XX/XXXX and I talked to a XXXX and she told me she saw nothing in the system about an investigation! She told me the decision was final. I asked her if the letter made sense and she acknowledged it did not! I asked to talk to someone higher up she said she was the highest person I could talk to! I asked to talk to the person who made that decision and she said she did not know who it was and there was nothing else she could do!
I immediately talked to a friend of mine XXXX at CO CC division and he was able to explain to me what happened which was a stark violation of the law.
1- The fraud report triggered an account review 2- In doing the review, CO decides if they want to keep the account or close it based on how much money they made ( They have pre-set numbers ) plus they have databases for risk.
3- If they decide to close the account, their next job is to find a reason for the account closure to make their act look lawful ( Even though they have the right to close any account, the issue here is that they do it as a discrimination against anyone who exercises his/her right under CCPA ).
4- The person drafting the letter of closure ( Coming up with a reason after a decision of closure was already made ) just made something up hoping no one would notice or mixed my account with others ( Business CC are not usually protected by CCPA so they love using this reason to close accounts ).
5- The Letter of closure was sent out 6- When I notified them the reason for closure did not apply to my personal card they realized the mistake but could not change it. Because any change would blow up their cover of making up a reason to make their unlawful act lawful ( none could be found in my case ).
The systematic discrimination by CO against people who exercise their rights under CCPA is very clear in this case. I trust this information with the employees and the lawyers of CFPB until enough information could be gathered for legal action against CO. I am willing to testify in this case and I believe it will eventually come to justice. My CO contact is also willing to testify to their systematic discrimination if given immunity from the civil contract. I will make this complaint available online for others to see and relate to until a class action suit is ready.
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10/17/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I did not receive proper time on verification of debt. On XXXX XXXX, 2015, I received a collection letter from XXXX , XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a Capital One account that I was unaware of having the account. I phone that same day, XXXX XXXX at XXXX, to discuss a settlement and check on another account that was being verified as my account. I have other accounts with XXXX, they know my history is to call when presented with a letter since I have no phone and work out a settlement. XXXX also has my permission to use email.
My mail was being delayed and lost at the time that XXXX sent their collection letter. I have documentation, phone calls and have appeared at the USPS. Also, WWR letters take a week before arriving at my address plus this letter was at the time of the XXXX XXXX holiday mailing.
I was on the phone, XXXX XXXX at XXXX, XXXX representative explaining that I just received their letter for collections and explained my USPS issue. My main purpose was to discuss the account since I had another Capital One account saying the letter was delayed and I also was calling to check on another account that was in the process for account verification by XXXX. During this phone call the XXXX representative checked the account and told me the was in process for a Judgment - it was " pending ''.
I was distressed to discover this account was " moving into the court ''. Even more so when I knew it still could have been halted and XXXX would not work with me to prevent this appearing on my credit. This Judgment could have been prevented.
XXXX stated the account was being " delivered '' to the Court system that very day. I requested they halt the judicial process to avoid a judgment complaint and I exercised a clear willingness to establish a settlement satisfactory to Plaintiff. XXXX stated they would not stop the judgment. I was under the impression XXXX was walking the Judgment into court and requested they contact the person delivering the complaint so it would not go into court, discuss the matter and work out a settlement agreement.
XXXX stated the account can not be withdrawn once delivered to the Court ; the only option for me was to pay the account in full. I, rightfully, refused the settlement because of mounting bills and deficits attributed to being unemployed and now under-employed. I did re-commit to the representative an appreciable payment of funds reasonable payment plan as settlement. XXXX stated the complaint could not be withdrawn without even counting Plaintiff.
I was refused my legal right of the FTC opportunity to verify the account as mine for dispute. XXXX has no proof of service and I have received mailed from WWR that has arrived to me at least a week with regular USPS process.
The court granted mediation. I sent my summary to Mediator and XXXX as per the court request. I never received a Summary from XXXX.
On XXXX XXXX, 2015, the day of Mediation, XXXX did not appear at but phoned in at least 20 minutes after the meeting started between the Mediator and myself to ask " how it was going '' with the Mediator. The Mediator provided XXXX with our progress and then hung up. During my mediation meeting the Mediator was interrupted during our meeting with a few phone calls. Basically my meeting was the Mediator thought it was in my best interest to sign the Judgment Entry. Mediator signed the Judgment Entry on behalf of WWR not presentOn XXXX XXXX, 2015 I received a large envelope from WWR containing a letter dated XXXX XXXX, 2015 with statements from Capital One. The letter states " ... Enclosed per your request please find copies of the Account Statements and Cardmember Agreement with regard to the above mention matter. Please review the documentation and contact ... to discuss a resolution to this matter. '' This letter came to me intentionally after Judgment granted to Plaintiff : why now, to fulfill FTC law?
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02/18/2017 |
Yes |
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- Closing/Cancelling account
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Web |
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Kohls department store closed my account by letter a few days after I called as a result of a letter that I received from them due to a payment returned that was an automatic payment from my credit union. I spoke to the Kohls representative and he told me that if I pay {$300.00}. at that moment by phone with him and then pay another XXXX. on my due date then I would not be penalized for the returned payment and my credit would not be negatively affected. I did as instructed initially, I gave the Kohls rep. my bank debit card number and he authorized a payment of {$300.00}. However, a few days later I received a letter stating my account was being closed due to " no adhering to their credit card policies ''.
I had reached a {$3000.00} limit on my Kohls credit card due to my good payment and purchase history. I had my account for over 3 years. I paid in the store by cash at the beginning of each month even though my payment due date was the XXXX of the month. I also paid more than what was due. I had also reached MVP or Most Valuable purchaser award level due to my account history. However, when I was unable to get to the store after I had a car accident - I tried to go to the Kohls online site and set up an autopayment from my credit union checking account for Kohls. The auto payments did not work out but by the time I realized it - my balance was over the limit but I, in good faith, called Kohls customer service -- I was transferred over 15 times and finally got to someone told me to resolve the problem, pay {$300.00} by debit today and {$200.00} on the due date. In the process, Kohls closed my account even though the Kohls rep that took my money over the phone told me " YOUR ACCOUNT WILL NOT BE NEGATIVELY AFFECTED NOR WILL YOU CREDIT BE NEGATIVELY AFFECTED ''. HOWEVER, when I called back, I was transferred 15 times and even transferred to a fax machine at one time and had to hang up and call back. The Kohls reps I talked told me things like " I do n't know why they transferred you to me '', " Let me get you to someone that can help you '', " You need to speak to the fraud department '', in the process of the transferring ; I heard a person that stayed on the line say " XXXX mess their credit up and then want someone else to fix it ''.
I immediately hung up and wrote an email to the highest authority that I could reach in the organization via the Kohls website. My complaint reached the desk of the Operations department at the Kohls main office. In response, a secretary called me back and said " I have already researched what happened to your account and 1 ) I did not hear the Kohls rep. tell you that if you paid {$300.00} to him then my account and credit would not be negatively impacted and 2 ) I did not hear in " derogatory '' comments made and 3 ) your account was closed due to the returned payment and " we do n't know if we are going to get our money ''. For, each question I asked even as I asked if my account can be reopened because for the store to close the account would show negatively on my credit. She told me to pay cash from now own in the store, I agreed. Then she said No, your account can not be reopened because " we do n't know if we are going to get our money '' " you said you did n't realize the payment returned did n't your bank notify you '' I stated no, I called the Kohls automated about 3 days after the payment and my balance had gone down so I thought all was well. She then said " well, we still do n't know if we are going to get our money, we do n't know if you are going to pay the {$200.00} in cash on the XXXX, we have to protect our interest '. IN OTHER WORDS WHAT YOU HAVE SAID IS A LIE, YOU ARE LYING ABOUT EVERYTHING - YOU WERE NOT CALL XXXX XXXX 1 ) NO TRANSFER HAPPENED 15 TIMES, 2 ) I LISTENED TO THE TAPES AND NOBODY SAID MAKING A PAYMENT AGREEMENT WOULD SETTLE THE MATTER 3 ) WE DID NOT CLOSE YOUR ACCOUNT A FEW DAYS AFTER.
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12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I hope this letter finds you well. I am writing to formally dispute the accuracy of information present on my credit report. I kindly request a comprehensive investigation into the following accounts : Hard Inquiry Name : Flagship Credit Acceptanc Hard Inquiry Name : Capital One Auto Finance Hard Inquiry Name : XXXX XXXX Hard inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry Name : XXXX XXXX XXXX XXXX Hard inquiry Name : XXXX XXXX XXXX Hard Inquiry Name : Capital One Hard Inquiry Name : XXXX XXXX Bank Hard Inquiry Name : XXXX XXXX XXXX Bank I am aware of the provisions outlined in the Fair Credit Reporting Act, specifically in XXXX, and recognize the exclusions mentioned under this section. Additionally, I am drawing your attention to the definition of a consumer report as per the XXXX, emphasizing its impact on an individuals creditworthiness and eligibility.
Furthermore, I would like to highlight the relevant sections of the Fair Credit Reporting Act under XXXX and XXXX. I understand the obligations of the financial institutions regarding the privacy of customer information, and the limitations on the disclosure of nonpublic personal information to nonaffiliated third parties without proper notification and opt-out provisions.
In accordance with the aforementioned laws, I hereby formally request the removal of the disputed items from my credit report. Additionally, I would appreciate timely notification once these items have been successfully deleted.
I appreciate your prompt attention to this matter and anticipate a thorough and efficient resolution. Please find enclosed any supporting documentation relevant to this dispute. I look forward to a favorable resolution and thank you for your cooperation.
Fair Credit Reporting Act 603. [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 624, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information not be communicated among such persons ; Fair Credit Reporting Act [ 15 U.S.C 6801 ] Privacy Obligation Policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Fair Credit Reporting Act [ 15 U.S.C 6802 ] Except as otherwise provided in the subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the customer a notice that complies with section 6803 of this title.
Opt Out ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other for permitted by the regulations prescribed under 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can eyxcersice that nondisclosure option.
Thank you, XXXX XXXX
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08/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have two Credit Cards with XXXX XXXX XXXX XXXX.. On XX/XX/XXXX I made a payment of {$500.00} on one of the cards. The payment due date was not until XX/XX/XXXX and the account was not delinquent, in fact, it has a payment history of 100 % on time payments. On XX/XX/XXXX the {$500.00} posted to my account and brought my utilized credit well below the available credit limit of {$600.00}. Also on XX/XX/XXXX both of my Capital One Credit Cards were cancelled by Capital One. I called the number provided via the Capital One Website and after multiple transfers and an hour plus of hold time was able to get in touch with XXXX, badge XXXX in the Fraud Department at XXXX. Upon speaking with XXXX, he informed me that there were payments on the account that had been returned and did not post. This is why the accounts were frozen. XXXX then conference phoned in my bank, which happens to be Capital One 360 and asked her to investigate the returned charges, while I waited on the other line. Capital One 360 showed no records of the payments that Capital One stated were made and returned. Capital One 360 was able to however, that monthly payments were made and cleared to Capital One Credit cards that were my monthly payments. After speaking with the bank, XXXX from Capital One Fraud said he would then write an advocacy statement on my behalf to have the accounts unfrozen, since the returned payments appeared to be due to circumstances out of my control. He would phone me, once he had completed. I then missed XXXX 's call on XX/XX/XXXX and per his voicemail request returned his call on XX/XX/XXXX. After an excessive hold, once again, I was transferred to the fraud department, where I dealt with a very rude lady who basically said that the phone call from Capital One 360 was irrelevant and if I wanted to proceed any further I would need to send records of my bank statements to them. Again, XXXX XXXX XXXX I informed the lady that my time had already been wasted enough, I would not indulge her redundencies and do the same task over again that had been completed less that 24 hours prior. After refusing several times to transfer to my original rep, XXXX, I was finally able to get her to send him a message to please return my call. On XX/XX/XXXX XXXX then returned my call and stated that he would continue writing my advocacy statement, since he had told me previously that he would. Meaning that up to this point, he had failed to follow through on what he said he would. Thankfully Capital One records all these phone calls, however, they will not release them when asked. XXXX stated he would complete the statement on XX/XX/XXXX and would call me to follow up on XX/XX/XXXX. I asked XXXX if it was possible to be CC 'd on the advocacy statement, since it was on my behalf, so that I could ensure that it was done and also check the relevancy of the facts. I also asked if the recording of the phone call between Capital One Credit Card and Capital One 360 would be included and he said that he could. On XX/XX/XXXX XXXX did call, due to me being in a meeting I did miss his call. Per his message instructions I returned his call and was once again given the run around and not allowed to talk to XXXX, even after specifically giving his badge number. I was transferred to another rude lady in the fraud department, maybe the same one, and was told that nothing had changed and my cards would remain closed. Again, even though under the limit and never late/missed a payment. I then asked her for the Consumer Protection Info and she would not assist me in finding the correct office/branch/division/ to contact. In addition to being out approximately 5 hours of my time, my credit score will suffer as a result of losing the credit history length, payment, and credit utilization. I 'm also not satisified with their reasoning of " according to our terms we can cancel your card whenever we want ''.
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04/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I wrote Capital One.
XX/XX/XXXX Dear Capital One, On XX/XX/XXXX, I received correspondence regarding my credit card accounts ending with # XXXX ( Platinum ) and # XXXX ( Quicksilver ) informing me both accounts are closed due to account activity not in alignment with the credit card agreement. And I do not know why.
I paid my credit card balance for # XXXX for statement due XX/XX/XXXX in full on XX/XX/XXXX in the amount of {$1200.00}. When I received my XX/XX/XXXX statement, I realized my account had not been credited timely, so I reported a billing error on XX/XX/XXXX.
On XX/XX/XXXX, when I accessed the app on my phone to schedule my payment for the account ending with # XXXX due XX/XX/XXXX, I noticed both accounts had been restricted. At that time, I had not received any notices on the website, the app, via email nor via mail.
I was not until XX/XX/XXXX, that I received two very vague letters stating my accounts have been closed. The letters did not include any details on what to do if I had any questions or concerns. Simply two letters stating both accounts were closed and advising me to destroy the cards and that I will still be responsible for the balances. The letter is unsigned and included the verbiage for Equal Credit Opportunity Act So here is what the law says about my actions ( Obligor ) and Capital Ones ( Creditor ) actions.
I paid my statement on time and in full on XX/XX/XXXX. 18 U.S. Code 8.
I expected my account to be credited timely. 15 U.S Code 1666 ( b ) ( 4 ).
When it was not, I reported a billing error dispute timely. 15 U.S Code 1666.
I expected a complete and thorough investigation 12 CFR 1026.13 and my account credited accordingly or a written explanation or clarification 15 USC 1666 ( ii ).
The response I received was an adverse action ( restricted/closure ) of both my credit card accounts.
In doing so you violated a number of laws including 12 CFR 1026.13 ( d ) ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under U.S. Code 1692k.
You are subject to criminally liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Capital One Platinum Credit Card and Capital One Quicksilver Credit Card due the actions taken.
Ultimately, I expect my accounts to be reinstated in good standing and my account credited accordingly.
I have enclosed all documents supporting my statements made in this letter. I have also sent this to your Chief Financial Officer, XXXX XXXX, addressed to his office located in XXXX VA.
I am extremely disappointed in how this has been handled. I thoroughly enjoyed the contractual arrangement we had. I hope this is resolved swiftly and my accounts placed in the proper standing. If they are not, I will have to seek legal counsel for remedy.
On XX/XX/XXXX, I received a response from Capital One 's Customer Advocacy Office confirming my account ending in # XXXX was closed on XX/XX/XXXX. There was no mention of the account ending with # XXXX, which suffered the same fate. The response indicated my payment for the account ending # XXXX, was not accepted as it was not considered to be legal tender. The response stated my accounts would not be re-opened and if there were other claims not specifically addressed, it did not mean they agreed to such claims.
I would like both accounts re-opened and placed in good standing.
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05/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/2022 I filed a complaint via CFPB against Capital one Auto Finance ( CFPB File Number XXXX ) regarding me extending them my credit. On XX/XX/2022 I received a response from the office of the president ( case reference number XXXX ) and which the letter stated that I indeed had been approved then a couple of days later I also received letter via mail ( reference number being XXXX ) stating that I'd been denied due to the amount requested for financing by the dealership on my behalf was outside of the available range for the application.
( I AM A CONSUMER ) CFR 16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. My credit card was use in this transaction which I did not benefit from this transaction. CFR1026.12 Special credit card provisions ( b ) Liability of cardholder for unauthorized use ( 1 ) ( i ) Definition of unauthorized use. For purposes of this section, the term unauthorized use means the use of a credit card by a person, other than the cardholder, who does not have actual, implied, or apparent authority for such use, and from which the cardholder receives no benefit.
According to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) Regulation B protects applicants from discrimination in any aspect of a credit transaction. CFR 1002.7 Rules concerning extensions of credit - ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ; I Am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I XXXX XXXX, Consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by CAPITAL ONE AUTO FINANCE XXXX XXXX. I was notified of this transgression of my rights, specifically- 15 usc 1601- The Truth In Lending Act by CAPITAL ONE AUTO FINANCE, XXXX. According to 15 USC 1605- The sum of all charges are included in the finance charge & The finance charge does not include charges of a type payable in a comparable cash transaction. I was told by XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE, XXXX that I had to put a downpayment down for { {$20000.00} } for the credit transaction to be approved when IN fact cash transactions aren't included in a finance charge. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE AUTO FINANCE, XXXX Adverse action taken against me denying my rights of which Criminal damages pursuant to 15 USC 1611 ( 1 ) ( 3 ) are to be fined not more than { {$5000.00} } or imprisoned not more than one year, or both. CAPITAL ONE AUTO FINANCE, XXXX is now criminal liable to pay me for the damages.
As a mother at a hard time like this CAPITAL ONE HAS NOT ONLY VIOLATED ME AS A FEDERALLY PROTECTED CONSUMER BUT ALSO AARE PREVENTING ME FROM DOING MY DAILY DUTIES AS A MOTHER AND SIGNIFICANT OTHER.
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04/23/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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I am filing a complaint against Capital One because I have a missing deposit since XX/XX/2022 for a cheque mailed by XXXX XXXX XXXX XXXX with the amount of {$980.00}. I have noticed the missing deposit on XX/XX/XXXX and since the banks were already closed that day, I was able to call on XX/XX/2022. The first agent I spoke to, told me to call XXXX and she asked for a tracer number. On the same day I called Capital One, another agent spoke to me and asked me if I have a paper cheque sent or if it was a digital electronic transfer. XXXX advised me to file a dispute with XXXX because she claimed it was from their bill pay department, she advised XXXX should be informed.
I called XXXX after I spoke with the Capital One agent on XX/XX/2022 and informed them about the missing cheque and I was told they can not file a dispute because the cheque was received by Capital One where it was sent, the agent provided me the tracer number and the image of the cheque.
XXXX call : a new agent telling me the same thing and recommended me to file a dispute with XXXX because the agent said, XXXX should have rejected the cheque because the bank accounts did not match. I called XXXX and the agent told me it's not their fault because they sent the cheque where it should go. Capital One was the one who accepted the cheque and deposited it elsewhere. XXXX provided me the tracer number, they provided me a copy of the cheque image and I was willing to send the image to Capital One but they never requested this evidence.
XXXX call XX/XX/2022 XXXX pm I spoke with XXXX, an account XXXX from Capital One, and he took the information given and said he would send it to research and told me he will put my case on escalation for the missing deposit of {$980.00}.
Each time I call, I always tell them the money is meant for my mortgage payment and I needed it. He told me research will respond in XXXX weeks.
XXXX call on XX/XX/2022 XXXX I spoke with XXXX and I told him the same information ( where it looked like the other agents I spoke with were NOT putting it on their notes ). I kept repeating all the information I have provided from the previous calls. XXXX told me request was placed again on escalation and told me to call back within XXXX hours.
XXXX call XXXX XXXX pm spoke again with a few agents until I was transferred to XXXX. XXXX explained that they also have a new address on file when I provided the address on XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MN on XX/XX/2022 and was encashed by Capital One on XX/XX/2022. She also put my account on escalation and then she gave me a new updated address which I corrected with XXXX XXXX XXXX immediately. The new address they want me to send the money in is XXXX XXXX XXXX XXXX, NV.
XXXX call XXXX XXXX am I spoke XXXX and I gave her all information and number codes found at the back of the cheque because she said the other agents did not put the other numbers needed and they can not move forward with their research.
Information I gave on this day was the account number printed on the back of the cheque where the money went ( which is not my bank account number ). It was deposited and encashed on XXXX XX/XX/2022 Capital One, XXXX XXXX reviewed the details placed at the back of the cheque and informed me that it wi ; ; be about XXXX hours to get info from them.
XXXX call XX/XX/2022 another agent spoke with me and she reviewed the notes on my file and she said it looked like everything was in order XXXX should receive a call in XXXX business days.
XXXX call XX/XX/2022 XXXX I called Capital One and XXXX XXXX the account XXXX told me he will put it on escalation, he didn't even read the notes on the case, he kept telling me that I was not providing the information he was asking me about. He claimed he will put my case on escalation and this time he says it would be XXXX calendar days before I will receive a call and then he hang up.
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10/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have been a Capital One client for years. In XX/XX/XXXX, I applied for their new XXXX XXXX that rewards travel purchases. I was not informed the account was approved, and I never received a credit card.
In XX/XX/XXXX, I happened to notice the XXXX account when I logged into my other credit card account. I called Cap One and was told that credit card had been returned to Cap One. They offered to XXXX XXXX me a new card -- even though I was traveling in XXXX.
Capital One ACTIVATED the credit card before it was mailed to me across the border. It arrived opened! It had been opened and inspected by XXXX XXXX. There was a bright sticker attached to the card indicating it had been " activated '' and was " ready for spending. '' What a way to compromise my credit!
I immediately made one travel-related purchase to secure the signing bonus and called Cap One to close the compromised account. I was told I needed to keep the account open for 90 days in order to receive the reward. In order to prevent my credit card from being used by any number of people who had had access to this ACTIVATED account, I requested that Cap One put a restriction on the account. That meant that any time I wanted to use it, I'd have to contact Cap One first and get the restriction removed. Needless to say, I never used the card again.
I asked Cap One to close the acct after the bonus was posted. I destroyed the compromised card.
Apparently, the account wasn't closed as I had requested. In XX/XX/XXXX, I saw on-line that I was charged {$95.00} for the following year 's annual fee. Why would this fee be levied on an account that I had requested be closed? And why would it be levied 3 MONTHS EARLY? The account had been activated in XX/XX/XXXX!
On XX/XX/XXXX, I called Cap One and spent 3 hours on the phone with various agents -- none of whom had the authority to reverse an annual fee and issue my signing bonus, as promised in Cap Ones marketing of the Venture card.
I also was told that the only way I could fully redeem my bonus was to use the credit card -- which I had destroyed because of Cap One 's egregious error of sending an activated credit card overseas.
So, on XX/XX/XXXX, I emailed Cap One 's Director of Complaints, who is a member of the executive team. No response. I emailed again on XX/XX/XXXX. No response. I emailed again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response, not even an acknowledgement.
In the meantime, the prematurely levied annual fee XXXX {$95.00} XXXX was incurring $ XXXX/month late fees and interest.
On XX/XX/XXXX, I emailed CEO XXXX XXXX directly. No response. I also emailed the PR Director XXXX XXXX. No response.
Finally, on Friday, XX/XX/XXXX, I received a phone message from an agent in the Executive Office ( XXXX XXXX ). As he doesn't work on the weekends, I called back on XX/XX/XXXX and left 3 messages. No response. In fact, over the next 4 days, I called and left a total of 8 messages. No response.
I emailed the CEO XXXX XXXX again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I emailed XXXX XXXX again and cc 'd XXXX XXXX, XXXX XXXX and XXXX XXXX. No response.
I've left several posts and comments on Cap One 's XXXX page. No response.
On Friday, XX/XX/XXXX, I received a phone message from another Exec Office agent ( XXXX XXXX XXXX ), who also doesn't work weekends. I've left 4 messages for him this week. No response.
I'm so frustrated! I've been a happy Capital One customer for years. So, I'm baffled that no one in their Executive Office is willing to correct a mistake of Cap One 's own making.
I want the premature, unjustified annual fee -- and all of the interest and late charges added to it -- reversed. I want the full value of the signing bonus they promised in their promotion. I want this account closed. And I want my credit reports noted that Capital One was responsible.
I hope you can help me! Thank you!
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10/15/2015 |
No |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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This is the letter I sent to CapitalOne360 regarding their refusal to correct my Checking Account statement. Long story short, my statement shows a transaction with incorrect check number of XXXX XXXX XXXX ) when in fact the check number is XXXX. The place the blame on the bank that cashed the check XXXX North Carolina XXXX Employees XXXX XXXX XXXX.
-Begin Letter -Date : XX/XX/XXXX2015To : OFFICE OF THE PRESIDENT - CAPITALONE 360From : XXXX XXXX XXXX CHECKING CUSTOMER - ACCT # xxxxxxxxxxxxTo whom it may concern, I currently hold a Capital One 360 checking account with you. I recently reviewed my checking account transaction history online for the month of XXXX and noticed an anomaly with a particular check I had written for a business expense in the amount of {$90.00}. The check shows as check number XXXX and had no image associated with it. This check 's actual number is XXXX. I called Capitalone360 customer service to notify them of the error and to request that the check details in my online checking transaction history be corrected. I was told the details could not be corrected at that time, but I could get a copy of the check through secure message. I received a copy of the check in PDF format which I appreciated. However, my checking account statement for XXXX documents the incorrect check number of XXXX XXXX XXXX XXXX.
Today, I called Capital One 360 customer service to see if they could correct the check details in the transaction history. I spoke with Supervisor XXXX XXXX Employee ID # XXXX XXXX whom reached out to the check receiving department on my behalf to see what they could do. After a long hold, I was informed that the check details could not be corrected and that check # XXXX could not be changed to XXXX. The explanation was that when the bank that cashed the check XXXX XXXX XXXX sent the cashed check to capital one, XXXX entered in the wrong check number which in this case is XXXX. I was told that Capital One policy dictates that check detail information received from the bank that cashed the check had to stay intact in my online transaction history and also on my checking account statement even if that detail information was inaccurate.
I posed a hypothetical scenario XXXX. What if the Bank that cashed the check incorrectly coded the check number as XXXX? Since Capital one policy requires that information be kept intact when reflected in my transaction History and my checking account statement, would n't check # XXXX show up on my statement and transaction history? She agreed that according to policy, yes, XXXX would incorrectly show up on my statement as well as transaction history. I then asked that since Capital One policy states that statements ca n't be corrected, would n't I be stuck with a Bank statement that showed incorrect information for that hypothetical check transaction where check XXXX showed as check XXXX. She agreed that It would. This hypothetical situation is no different than the situation I am in now. Whether it 's check XXXX or check XXXX, the fact is that the transaction detail is wrong and I do n't have accurate documentation for my business transaction on my Bank statement. I explained the importance of accurate documentation for business expenses and Tax/IRS issues and requested that I receive a corrected statement showing check XXXX instead of check XXXX. I was told that CapitalOne policy prohibits statement corrections.
I am very disappointed that your policy prohibits me from getting a corrected statement showing the correct check number and also prohibits correction of online transaction details. The only documentation regarding this business expense is a scanned copy of this check. Unfortunately the check does not correlate to my XXXX Capital One 360 checking statement since the statement is incorrect showing check number XXXX.
I am requesting a change in the Capital one policies that disall
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01/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
Please see 15 U.S.C. 1601 section 303 regarding Capital One Bank, XXXX XXXX XXXX and MasterCard being a creditor.
Capital One Bank are refusing to issue a Chargeback and process the dispute with XXXX under MasterCard Chargeback guide under charge back code 4840. And are refusing to submit the attached document to MasterCard to review the dispute under MasterCard Guidelines according to chargeback code 4840. Please see the attached MasterCard guide page 96-100 pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) concerning the documentary evidence. There is no documentary evidence in any of the recent response to the cfpb to justify the debt under the Fair Credit Bill Act.
Capital One is not in compliance with the Fair Credit Billing Act ( FCBA ) regarding this dispute under MasterCard Chargeback guide pursuant to 15 USC 1666 ( e ) regarding the rights of the Credit card customer XXXX. XXXX XXXX XXXX under 15 USC 1666a ( a ) regarding his credit report.
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. Pursuant to 15 USC 1666e Capital One Bank declined all sales transaction with XXXX due to the credit card limit of {$500.00}. Please see attached email from Capital One regarding each transaction with XXXX.
According to the attached file from Capital One Bank it is very clear that they are not following MasterCard Chargeback guide and have not issue a Chargeback under MasterCard Guidelines regarding the Fair Credit Bill Act pursuant to 15 USC 1666i ( a ) as the card issuer under MasterCard Chargeback guide regarding Chargeback code 4840.
MasterCard Guidelines are very clear that the dispute code 4840 must be submitted to MasterCard and all documents must be submitted to MasterCom. No Chargeback was ever issue by MasterCard just a credit by Capital One Bank to violated XXXX. XXXX XXXX XXXX right under the Fair Credit Bill Act.
The attached document hasn't been submitted to MasterCard under the Fair Credit Bill Act. The Truth in Lending Act 15 USC 1601 limit XXXX. XXXX XXXX XXXX liability as the credit card holder for unauthorized charges on a credit card. See Krieger v. Bank of America 17-1275 ( 3rd Cir. 2018 ) which is attached. XXXX and Capital One Bank has fail to disclose information regarding the appropriate finance charges to be applied to the credit card under the provision of 15 USC SECTION 1666 ( b ) ( 2 ) regarding it response to the cfpb in three letters.
Capital One Bank are not allowing MasterCard to investigate the dispute under the Fair Credit Bill Act and according to their letters to the cfpb are only threatening me because I used my rights under the Federal Credit Bill Act regarding the bill with XXXX under MasterCard Chargeback guide code 4048. See American Express v. Koerner, 452 U.S 233, 235-37 ( 1981 ).
The Federal Trade Commission is the overall enforcement agency regarding the Fair Credit Bill Act and Capital One Bank is not allowing the credit card company MasterCard to conduct a dispute under their guidelines.
This fraudulent activity on the behalf of Capital One Bank is in written with a clear picture of the violation of the Fair Credit Bill Act regarding the MasterCard Chargeback guide and the documents being sent to MasterCom.
My credit card company is MasterCard and MasterCard hasn't issue a Chargeback regarding the dispute or received a response from the creditor under the Fair Credit Bill Act.
Capital One Bank is holding me responsible for a credit bill without allowing MasterCard the right to investigate the dispute under the Fair Credit Bill Act regarding the attached MasterCard Guide.
This bill with XXXX was unauthorized and declined by Capital One on multiple occasions due to the credit limit of XXXX.
Any lawsuit filed will be timely under 15 USC 1640 ( e ) See Lyon v. Chase Bank Usa which is attached to this complaint.
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07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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From XX/XX/XXXX, to XX/XX/XXXX, I rented a XXXX XXXX XXXX from XXXX for a weekly payment of {$500.00} to use for XXXX. I have included a detailed list of my transactions with the merchant below.
XX/XX/XXXX : I made an initial deposit of {$390.00} to obtain the vehicle.
XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ). This was the amount due on my account.
XX/XX/XXXX : I made a XXXX payment of {$500.00} through my brother because I was having technical difficulties ( I provided my brothers XXXX statement ).
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I made a payment with my XXXX card for {$520.00} because in their system they couldnt find my XXXX payment from XX/XX/XXXX, for {$500.00}. I was advised to make another payment to avoid extra late fees, and I would get the credit in my account when it showed up on the system. They never credited my account, and I had to dispute the charge with my credit card company. ( I provided my XXXX statement. ) XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I made a XXXX payment of {$500.00} ( I provided my Capital One statement ).
XX/XX/XXXX : I used my initial deposit on my account of {$390.00} and paid a balance of {$92.00} with my non-capital one VISA credit card ( I provided the receipt ).
The difference between the amount I paid on XX/XX/XXXX and XX/XX/XXXX is that I got a parking ticket ( {$10.00} fees ) and XXXX said I went over the toll without paying ( 7 fees in total ). I was able to fight the parking ticket, which I won, and I also presented the receipt that my XXXX XXXX toll card was charged when I went over the toll. XXXX gave me credit after I had already paid, and I also presented the proof to the Capital One Venture Card Dispute Department as well. I made sure I paid all the balance I had on the account on XX/XX/XXXX, which is when I returned the vehicle.
One year later, the merchant charged my Capital One Venture card for the account of {$140.00} after I hadnt done business with them since XX/XX/XXXX, when I paid all my balance because the merchant has access to my card. I reported the case to Capital One and told them that the transaction wasn't authorized by me, and they went on to dispute the charge. Throughout the dispute that I initiated on XX/XX/XXXX, capital has requested supporting documents, and I have provided them with all the documents they ask for. Suddenly, Capital One sent me a vague letter to my account saying that the case is closed, with no clear reason why the case is closed. I have tried to reopen the case several times, but it has been unsuccessful. The frustrating part is that there is no one I could talk to, and everything is done online. Now, Capital is forcing me to pay for a transaction I didnt authorize. I literally stopped driving for XXXX because I am a XXXX XXXX, and my classes started on XX/XX/XXXX. I havent worked throughout my time in XXXX XXXX, which is why I havent done any business with XXXX. Capital is treating me unfairly, and I have been a customer with them for a very long time without being delinquent. I have always made my payments in a timely manner. This is very serious to me because it would affect my credit score, which I use to get loans for XXXX XXXX. I need capital to be active on my behalf, which is what they ought to do, and at least ask the merchant what the {$140.00} charge is about and give a detailed breakdown of each penny on the {$140.00} charge.
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03/09/2017 |
Yes |
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Web |
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During the course of a self-audit I performed in XX/XX/XXXX, I found several reoccurring charges on my Capital-One CC which I could not identify. I called Capital-One on XX/XX/XXXX to report these items and as a result, they immediately canceled my CC and began an investigation which they explained might take up to three months and that they would issue me a new card when investigations had a chance to go over the file. At the end of XX/XX/XXXX, my electronic payment was posted from my bank as usual. I waited patiently for Capital-One to report their findings or to receive a new card but none came. When I checked my credit report in XX/XX/XXXX, I was alarmed to find that I was now showing the what appeared to be the same Capital-One CC being reported twice, effectively doubling the debt of record. Additionally, upon trying to make my regular payment in XX/XX/XXXX, I received a msg from my bank saying the payment would not go through. When I tried paying online or via the phone system, their system would not authenticate me using the CC number I had on file. The next several weeks, I was on the phone at least a dozen times trying to resolve the reporting issue, find out the status of the investigation as well as inquire as to my new card. No one could give me a straight answer. XX/XX/XXXX came and despite trying several times to again post a payment, I was unable to authenticate. In XX/XX/XXXX, I spent another 4 days trying to reach someone at Capital-One to find some answers. I was finally able to get in touch with a gentlemen who upon examining the computer logs, revealed that my new CC had been mailed out the second wk of XX/XX/XXXX and had been returned in XX/XX/XXXX. Despite speaking with Capital-One SEVERAL times during this period, I first heard of this situation the first week of XX/XX/XXXX. The representative apologized and promised to issue me a new card immediately. I also requested ( as I had done each time ) a copy of the statements I had not received since XX/XX/XXXX, a report detailing the results of their investigation and a letter detailed the system would not allow me to pay despite my attempts. 7-10 Buis. days came and went ; still no new card or statements. I called again to learn that while the previous rep had been given every indication the card would be delivered, the system appeared to have a rule in place that PREVENTED any new card from being issued if an account was past due. The system also would not allow a payment without an active credit card so once the new card was lost in the mail, I was in limbo. The only option I was given was to submit a payment blindly via phone without having any idea what the nature of the debt. Further, I had never missed a payment since XX/XX/XXXX until I requested an investigation ; then the account went delinquent. I even went so far as to sent the CEO of Capital-One a registered letter explaining what I thought to be a software error. Despite months of fighting with them over this issue, I was never able to resolve the situation. The account was charged-off in XX/XX/XXXX. Records received since show my original account was given XXXX separate CC numbers even though I never received a card/statement with any of the numbers in question. Even though the account is reported as charged off, that same account is 'parked ' at an attorney 's office and if I call to inquire about my Business CC, I receive a prompt containing a second number. If I select the second number, I am transferred to XXXX Collections. If I talk to the representative and give her that number over the phone, I am immediately put on hold until they can discreetly transfer XXXX without notification. I have detailed records of correspondence as well as logs of each phone call made along with content of call & duration. For 10+ years, I held a secret security clearance. I am unaccustomed to being treated in such a manner.
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06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/XXXX, I purchased an item through XXXX ( a cash register ) .. see below : Customer ID : XXXX Account Number : XXXX Dear XXXX XXXX , Thank you for shopping at XXXX! We 're delighted we had what you were looking for! Your order should be processed and ready to be shipped within 1-2 business days. In some cases, we will also contact your bank for further verification. To prevent delays, please ensure that your billing address and phone number match with the information your card issuer has on file ; XXXX takes these measures to protect our customers from debit/credit card fraud and identity theft. * Below is your order confirmation. Please keep a copy for your records. Check your order status. Order Summary Sales Order Number : XXXX Sales Order Date : XX/XX/XXXX XXXX XXXX Shipping Method : XXXX 3Day 1 x ( {$730.00} ) XXXX XXXX XXXX All-in-One Point-of-Sale Platform for XXXX XXXX {$730.00} 1 x ( - {$300.00} ) Redeem XXXX XXXX {$300.00} Subtotal : {$430.00} Tax : {$0.00} Shipping and Handling : {$4.00} Total Amount : {$440.00} -- -- -- -- -- -- -- -- -- -- -- -- THIS PRODUCT WAS NOT A WORKING PRODUCT. SO WE SENT IT BACK TO THEM : Dear XXXX XXXX, Your return ( RMA Number : XXXX ) was successfully delivered to the returns warehouse on XX/XX/XXXX. Once the returned package is opened, we will notify you via email to inform you of the contents received. Please allow 3-5 business days ( 7-10 for laptops/notebooks/desktops/tablet PCs, due to the fact that they must be tested first to verify any defect ) for your return to process. Due to item availability, some repair/replacement returns may be delayed or refunded. Sincerely, Your XXXX Customer Service Team ________________________________________________________________ THE COMPANY TRIED TO SEND BACK THE PRODUCT TO US EVEN THOUGH IT WAS DEFECTIVE STATING THEY CANT ACCEPT BACK ANY PRODUCT WITHOUT THE ORIGINAL BOX IT CAME IN. WE WANTED A REPLACEMENT PRODUCT NOT A REFUND, BUT THE COMPANY REFUSED TO DO SO, AND RETURNED THE PRODUCT TO US, WHICH WE REJECTED, SO IT WAS SENT BACK TO THE COMPANY : XXXX Tracking XXXX Tracking Travel History Date/Time Activity - XX/XX/XXXX - Tuesday Manage Learn XXXX Office Login XXXX Ship date : Mon XX/XX/XXXX XXXX XXXX XXXX, CA US Delivered Signed for by : XXXX See attached for better display of how they have the product. I contacted Capital One several times to have them dispute since the dispute process with XXXX had failed. XXXX refused to return my money or refused to give me a product that works without the original packaging. MY QUESTION TO THEM WAS.. WHY DOES THE ORIGINAL PACKAGING MATTER ON A DEFECTIVE PRODUCT? WHY CA N'T THEY SEND ME A REPLACEMENT PRODUCT WITHOUT THE ORIGINAL PACKAGING? We took this problem to Capital One, they initially credited back the funds while investigating and although the information was given to them to make the proper decision as they restated everything on their monitored and recorded phone conversation to us, they wanted to send out a letter to us and I feel this was a stall tactic as the letter was never received, so when I called them back today XX/XX/XXXX to see why they put the charge back on my account and where the letter was, they stated that because the letter was never returned to them with my claim, they ca n't credit back the account, but they will gladly re-open the case. I was on the phone with them 2 hours for them to state that after reviewing the case, they see that it was indeed back with the merchant but the 60 days from the date of claim has surpassed, which that is not the case, it was started end of XX/XX/XXXX and they have to close the case with allowing the merchant to have the charge, but they will give us {$210.00} credit just because. This does not make any sense to me. This is not just, I should not be out of a product and out of the money I spent on it. Please see attached docs. Thank you, XXXX XXXX
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11/01/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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MY MAILBOX SYSTEM HAD ALOT OF POSTAL ISSUES AND I ALREADY CALLED AND SPOKE TO POSTAL MASTER OF MISSING ULTILTY BILLS.I recieved email last week from XXXX about possible data breach from 2014. And to contact all credit reporting agencies.
CAPITAL ONE account is not mine. I HAD PULLED MY CREDIT REPORT, WHICH I DO EVERY 6 MONTHS.I WORK MANY HOURS FOR THE GOVERNMENT.
I ALSO WROTE THE STATE ATTORNEY OFFICE AND FTC IN RESPONSE.
I have no knowledge of it, no legal obligation for it and no information as to its origin.
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT.
Please send me a copy of the XXXX forms sent to you by the CRAs and the return forms, ( XXXX ) sent back to them by you. Please provide me with a description of the investigation procedure conducted in this matter. If you are unable to verify this item with signed account level documentation you are to provide me a copy of a letter informing the credit reporting agencies and requesting removal of the item from my credit files within the time frame afforded by law. Pursuant to the Fair Debt Collection Practice act, 15 U.S.C. s 's 1601, 1692, et seq, This constitute timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. A contract, quid pro quo, where were both giving something and you both signed for it, well then there 's obligations on both sides. You do n't really have that in a lending agreement.If you do n't send proof, all of a sudden you are in fraud collecting this bill. You actually owe me money for being fraudulent.
I got this bill and I just want to verify, validate that this bill is something that I owe. '' You know in these times of all this identity theft online and so on, this is just reasonable, good book keeping, okay? You sent me this? That does n't mean I owe it. I just want you to prove that I owe this bill. That 's all I 'm doing. I 'm not being confrontational. I just want you to prove it the way the law says you have to prove it. I sent you a letter asking you to send me the correct documentation within 30 days that validates the debt. That 's the rule, that if I owe this bill. Here 's the issue. For any debt by a lending institution, you can not send me the information that I do in fact owe you. You ca n't send it to me because you do n't have it, okay? I got some bill in the mail, and there is something on my credit report. That 's kind of like a bill because it 's saying on my credit report there 's this derogatory account. In other words, a derogatory account or any listing of a tradeline account active is that someone 's saying I owe this bill and you have n't paid us yet. So whether it 's a bill that comes in the mail or something on my credit report that 's negative, that 's another kind of a bill, all I am doing in now is basically this. I am asking you for the accounting records of this trade.
The accounting records will show, legally, I gave you a promissory note and you gave me Federal Reserve notes. There was a debit entry into the accounting. There was a credit entry into the accounting. They cancelled each other out, debit for credit, credit for debit. The transaction was complete when the notes were traded. I do not owe you a penny. Your accounting records prove it. All I 'm asking for is that proof : " Could you show me your accounting records and that contract, the wet ink signature contract, or a copy of the contract that is affidavited? '' What does that mean, affidavited? In other words, somebody has to make a copy, then sign at the bottom, I made this copy and their signature is notarized. All I 'm asking is, " Please. validate. ''
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12/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On approximately XX/XX/2020 I received an email from my credit issuer, Capital One, that my card had been " added to XXXX XXXX ''. Considering I DID NOT do this or authorize this, I immediately that afternoon called and questioned this. Pulling up my account online I noticed a small amount in the pending transactions list for under {$2.00}, which I also disputed. The female agent I spoke to agreed to " stop the charges '' and issue me a new credit card, and I filed an official claim. But before my card could be shut down, or perhaps it was already in the process, two additional larger charges in the amounts of {$380.00} and {$720.00} had been placed on my account. Upon seeing those charges I once again called and immediately raised concerns. I DID NOT make these charges to a website called " XXXX XXXX '' and I am NOT going to be held responsible for fraud committed in my name. I also contacted the credit reporting agencies and froze my credit, fearing I had been the victim of a larger scope identity theft. Upon talking to Capital One, once again I was assured that the charges would not be put on my account, however, that has been proven to be an outright lie. I have since called three additional times to check on the status of my fraud claim, and am given a different run around story each and every time. It has been nearly three months of " investigation '' and still the charges are on my account, interest is being accrued, and my credit is being tainted for charges I DID NOT MAKE and properly and immediately disputed. I even requested on one call to close my account because I was upset over how this was NOT being taken care of and was told that was not advisable while the " investigation '' was underway. I have been advised to basically keep paying my minimum monthly payments and shut my mouth while they " investigate '', or my credit would be affected by my refusal to make payments ( on a balance I do not owe ). I want this resolved as soon as possible, and I am confident I am well within my rights as a credit holder to expect satisfaction in this matter-at least more than being told in so many words " shut up and keep paying while we investigate ''. I asked to speak to a manager and was told very rudely that the " gentleman '' I was speaking to was a manager and I would be dealing with him and him only-there was no " higher up '' to talk to to acquire satisfaction in the matter. He went on to say that he and his mother had been the victims of ID theft, and had the attitude of " it happens all the time '' and it was not a big deal that would be resolved if I was proven to not have made the charges. I don't find his story comforting, nor do I find it comforting that an agent of a credit card company having such a careless and insensitive attitude towards the notion of possible ID theft, and at the least fraud. I demand at this point that SOMEONE at this so called credit company take this matter seriously. I do not want to hear feel good stories of your mother 's resolution of her ID theft, or that your company " stands by your customers 100 % ''. I WANT ACTION, and I want this credit card company to be an ethical entity and true to their " business motto ''. I do not appreciate my credit history that I have worked hard to improve and my good name being affected while this credit card company " investigates ''. I have ZERO confidence at this point that Capital One will be true to their word and take these fraud charges off my account, and I am willing to take this to whomever it takes to get this resolved. This is illegal and highly unethical on their behalf as a " customer service '' agency. The notion that they are a " customer oriented '' agency is an absolute JOKE and I will be fighting this until it is resolved. I will not shut up and pay something I don't owe, and I will not be a victim of Capital One 's unethical business practices.
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02/17/2016 |
Yes |
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Web |
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Capitol One MasterCard Statements are lacking proper and minimum disclosure of pertinent information and in my opinion have unacceptable and possibly illegal business practices as the deception is clearly intentional. Other major credit card companies have this information on them and for good reason, Cap One does not.
Lack of proper disclosure of this particular information directly triggers a charge of a high monthly late fee {$35.00} and an increase in rate to nearly 30 %. Due to this and the obvious and evident outrageous attempt of Capitol One to keep hidden select data ( when a Past due is occurring ), it is clear that this lack of disclosure and the corresponding customer service training has been intentionally engineered to originate revenue from unknowing credit card holders at the expense of the client with their credit rating ( 7 yr derog ) in balance The information in question that has been intentionally hidden on their statements, in their email correspondence and on their website is as follows : A reasonable person would not be able to ascertain, even with all statements in front of them and emails, a ) if they were delinquent currently, b ) how much was delinquent c ) the date the past due amount became delinquent. Additionally, the Customer Representatives at Capitol One are most certainly trained to " wash over '' the subject as complaints come in, it was very obvious that the Supervisor XXXX ID # XXXX got these complaints all day long and I brought that up on the phone. She agreed. Phone calls are recorded at Capitol One. I had to ask simple questions as to whether or not, and when, delinquency notices were sent 4 or 5 times and got different answers each time and got the same run around with almost every reasonable question. At the end she finally agreed that they do not send past due notices and that the reason the pertinent and furthermore misleading information was not on statements was due to the fact that they feel they have provided proper notification of delinquency by simply changing the color to red on the top bar of the statement ( still without the words " Account is past due, Amount Past due, dates ... on statement, emails, web ). Later, I spoke with her superior who was present on the call with her ( he talked over her ), XXXX, ID # XXXX.
These are my requests : Please have Capitol One add on the fine print in their statement the CFPB complaint contact information.
Please have Cap One put the words " Amount Past Due '' and the respective past due balance on their statements ( when an account is past due ), in their email correspondence and on their website for account holders.
Please have Cap One put the words " Account is Past Due '' where/when applicable on their monthly statements, email correspondence and on website clearly and without ambiguity in top left quadrant of statement ( where the red bar is ).
Please have Cap One reword their emails with email statement link to read " Account Past Due '' and Payment Due Now and Amount to bring current '' in the text portion of the monthly statement emails when an account is past due.
Please have Cap One send out delinquency notices when an account is at least 30 days past due via email and through the mail. Not Statement emails, separate notices that specifically read " Account past due '' and the amount needed to bring account current.
Over limit Notifications : All of the above, please have Cap One also disclose as outlined above whenever there is an over limit occurrence and it should be generated the day the overage occurs.
Rate Increases : All of the above, please have Cap One also disclose as outlined above whenever there is a rate increase and the notice should be sent/emailed the same that that the increase takes place. ( Just like with mortgage loans! ) Again, please protect us from these intentionally deceptive business practices of Cap One.
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07/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020 I recv 'd an email from XXXX stating that they have cancelled all travel packages and that they will NOT be giving any refunds, you have to contact your banking entity to get your options regarding financial payback. XXXX closed their doors & shut off all forms of communication. Website, XXXX, XXXX, XXXX, XXXX, phone numbers, emails, fax numbers, ALL DEAD ENDS.
I contacted my Capital One Venture card customer service dept on XX/XX/XXXX. I was given a provisional credit due to " Merchants failure to deliver ''.
I recv 'd a letter dated XX/XX/2020 from Capital One w/an 800 number for XXXX and stated that XXXX provided information to support one transaction. The " proof '' they supplied was them literally checking the box " other documentation '' and then writing a sentence saying " the transaction was refunded in the amount of XXXX ; therefore, no additional funds are due to the guest. Based on the evidence provided, please find in favor of the merchant for the amount of XXXX ''. THAT was the ONLY proof they provided. Words. NO actual PROOF of refund. No support at all. And Capital One ruled in their favor.
I contacted Capital One 's customer service dept again. Re-opened the case. I was told to write a detailed letter and include any " support '' I have and a timeline. I sent a full page detailing the case, including my efforts to contact XXXX and that I have NOT received any form of reimbursement from XXXX. Not to mention the fact that if XXXX had refunded me, it would have been back to my credit card. My Capital One credit card. No such credit has been applied. Ever.
I recv 'd a letter back from Capital One dated XX/XX/2020 stating that I have not produced a " refund receipt '' and that they can not prove the merchant agreed to credit my account. Therefore, the case is again closed. How can I produce ANYTHING from XXXX past the cancellation email they sent since they closed shop with NO way to get in contact with anyone at the company and left thousands stranded??
I contacted Capital One customer service again XX/XX/2020. After a very long & frustrating conversation I was told that I needed to provide them with a " refund voucher ''. After another long conversation trying to get an explanation of just what a " refund voucher '' is, I left the conversation being told that I need to send a " very detailed '' letter spelling out my journey to this point & to " take a picture '' of a non-response from XXXX. I emailed the company & immediately recv 'd a delivery failure. After that, just to try & prove my due diligence, I found several other emails for employees at XXXX and tried contacting them as well. They ALL bounced back as undeliverable. I also found several other phone numbers as well as a fax number. ALL of which were disconnected.
On XX/XX/2020 I compiled all of my proof ( 40+ pages ) and sent it all off using Capital One 's " secure link '' that I was sent.
On XX/XX/2020 I recv 'd a letter from Capital One dated XX/XX/2020 stating that I failed to send them the information they were looking for and that the timeframe for a reversal has expired.
On XXXX XXXX I sent an email including a brief breakdown of the issue and the documentation I've already supplied to customer service directly to a XXXX XXXX, Director of Complaints, regarding the situation and asked for a response by XX/XX/2020.
On XX/XX/2020 after not receiving a response from Ms. XXXX, I forwarded the email on to XXXX XXXX, President, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Chief Executive, XXXX XXXX and XXXX XXXX, Director of Complaints requesting assistance prior to filing a complaint with the CFPB.
As of this time I have not received any communication from any of the XXXX contacts at Capital One.
I will gladly forward all documentation I have upon request. Too much personal information on it currently for me to feel safe attaching it at this time.
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03/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
Servicemember |
I spoke with XXXX XXXX of Capital One in XX/XX/XXXX and explained that I had purchased a XXXX family investment home in the XXXX for {$450000.00} in XX/XX/XXXX which was partially funded with a HELOC of {$400000.00}. I was interested in taking out a mortgage to pay for the {$400000.00} and include the closing costs. I explained my husband and I both had impecable credit in the XXXX. At no time did my information change, the house change or the mortgageable amount change. XXXX quoted me an interest rate with 4.625 with 0 points. She said that since it was an investment property we would be able to take 75-80 % of the loan to value. She quoted me an appraisal for {$450.00} and a bank processing application fee of $ XXXX.The very fist loan documents published on Capital One 's loan hub showed points so I questioned her about it and what she had quoted me. She said she would take care of getting it removed and that it was just a mistake. Thereafter, the paperwork reflected the 0 points that she originally quoted.Then, she said the appraisal was going to cost {$670.00}. When I questioned why it was different than what she originally quoted, she said that {$450.00} reflected the amount for a single family home. Yet, at no time did we ever discuss a single family home and she knew my home was XXXX family. I told her I was not interested in moving forward if the numbers were going to change from what she quote. She later called me back and said she would honor the {$450.00} she quoted by taking the difference off of the bank attorney 's fee. I asked her to send me it in writing since I was beginning to feel uneasy with her constantly changing information. In fact, she did email me stating, " The bank attorney will discount his fee in order to make up the difference on the appraisal. '' And I can provide the emails. The appraisal was done and the paperwork reflected a 70 % loan to value. When I asked her about it, she said she would look into it. After researching it, she called me and said that XXXX regulations would not allow more than a 70 % loan to value amount. At NO time previously did she mention anything about XXXX regulations. I clearly told XXXX that I was not willing to move forward on the loan when the information that I was getting was VERY, VERY different from what was on quoted.I asked to speak to her manger and she referred me to XXXX XXXX. When I spoke with him he said that XXXX had told him that I was cost sensitive which was why she had asked him to expunge the points on the loan. This was a complete LIE considering she had quoted the 0point loan originally. Furthermore, I do n't know anyone who is not cost sensitive anyway! I told him I felt the information provided by XXXX was inaccurate, incorrect and deceptive with the intent to have Capital One fund my loan. Even after my conversation with XXXX, the paperwork was still incorrect reflecting a bank processing fee of {$990.00} versus the {$970.00} XXXX had quoted. Quite frankly, overcharging fees and inaccurate info shows a lack of attention but more specifically malicious intent with hopes that the consumer will not notice. These practices allow Capital One to charge fees incorrectly in the bank 's favor. Then after the loan is funded, I ca n't even imagine how difficult, and perhaps impossible, it would be for the consumer to get their money back.Regardless, XXXX said he was not able to do anything then referred me to XXXX XXXX. After speaking with XXXX, she said she would investigate the issues and get back to me. She left me a message saying she spoke with compliance department and she was not able to do anything and referred me to XXXX XXXX ( complaint dept ) who sent me back to XXXX. I sent my complaint to the Office of Comptroller Currency and they sent me a letter stating your office handles this matter. Please help me get the {$670.00} appraisal fee they charged me.
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02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
Capital One Auto Finance Account Number XXXX XXXX XXXX XXXX Please Delete from my credit profile as I did not RECEIVE any of this. Please Provide IN WRITING showing I did.DELETE THIS ACCOUNT.You have15 days to comply XXXX 1016.9 Delivering privacy and opt out notices.
XXXX THIS VERSION IS THE CURRENT REGULATION XXXX XXXX ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.
XXXX XXXX a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 1016.4 of this part, unless : XXXX XXXX ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; XXXX XXXX ( 2 ) You have provided to the consumer a new opt out notice ; XXXX XXXX ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and XXXX XXXX ( 4 ) The consumer does not opt out.
XXXX XXXX ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
XXXX XXXX XXXX a ) General rule. The initial, annual, and revised privacy notices that you provide under 1016.4, 1016.5, and 1016.8 of this part must include each of the following items of information, in addition to any other information you wish to provide, that applies to you and to the consumers to whom you send your privacy notice : XXXX XXXX ( 1 ) The categories of nonpublic personal information that you collect ; XXXX XXXX ( 2 ) The categories of nonpublic personal information that you disclose ; XXXX XXXX ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 1016.14 and 1016.15 of this part ; XXXX XXXX ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 1016.14 and 1016.15 ; XXXX XXXX ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 1016.13 ( and no other exception in 1016.14 or 1016.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; XXXX XXXX ( 6 ) An explanation of the consumer 's right under 1016.10 ( a ) of this part to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; XXXX XXXX ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; XXXX XXXX ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information ; and XXXX XXXX ( 9 ) Any disclosure that you make under paragraph ( b ) of this section XXXX XXXX XXXX
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11/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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Capital One is delaying credit refunds on customer credit cards for weeks, while continuing to charge & earn interest on those balances. Walmart credit cards are issued through Capital One. Refunds are supposed to be issued in 5 business days, at the latest. But credits ( partial to no credits ) are taking weeks or never being issued. Capital One 's billing dept. is encouraging Walmart customer service reps & supervisors t just keep telling their clients to allow 5 business days. When that date comes & goes, Capital One advises Walmart customer service to tell customer to allow 10 more business days. When that date passes they keep pushing the date back. This goes on for weeks, & still no credit ( or partial credits ). Walmart 's customer service supervisor & corporate office have both confirmed that Capital One changed systems & they're receiving numerous complaints from customers. All along, Capital One is continuing to collect the interest & demand payment. The interest rate is 22.90 % on the credit card. A refund for {$79.00} was supposed to be issued on XX/XX/XXXX. Walmart keeps calling Capital One 's billing dept. & being told to say that I'll receive a {$79.00} refund in a week, then another week, & then another week. " ... .See attachments for full text. '' XX/XX/XXXX Email from Walmart stated AGAIN ... " We have processed a refund for Walmart.com Order XXXX. You will see the amount of {$79.00} credited to yourWMCAPITALMCending in XXXX within the next 7-10 business days. If you have any further concerns, please reach out and we would be happy to help. It was a pleasure assisting you today. You should receive an emailed survey soon which allows you to provide feedback on my service to you. I would appreciate any feedback you have. Thank you for being a part of the Walmart.com XXXX! XXXX XXXX Walmart.com Payments Contact Center '' Not only that, I have my third recording ( most recent was last week ) from Walmart 's Corp. Resolution dept. stating again that Capital One is the reason for the delay. They explained that they changed systems and it is leading to tons of customer refund/credit delays. I am happy to play the recordings or tell you who I have been speaking to. One of these major companies is lying to protect their image. Capital One just had a problem with that when they had data breach. So for THREE people in Walmart 's management to say this then maybe Capital One needs to speak to them. Plus Capital One claims they called me to try and assist. Yet, I show no missed call nor do I have any voicemail messages from them.
Capital One claims not to see the amount. Well stop being so lazy and call Walmart corporate like I've had to do. They are your client. Since they switched from the old company to Capital One, we've had nothing but trouble. When I called Capital One for assistance about a week ago, I got passed to 4 different depts. All of the reps in each dept were clueless and kept trying to handle the issue, even after I told them what dept. I needed. Finally, the last rep says she can't tell me the actual name of the dept. She said she saw the dept. name and people but she was not allowed to share that info with me. She claimed that she couldn't contact the lady because voicemail service doesn't work now that they work from home. Really? She claimed that she would have the lady call me back. I had no name or anything. She just said to trust her. You can see where that got me ... nowhere. I have the date & time of that call. And, I may have that call recorded too. I will have to check. Capital One, please stop typing up fictitious letters that make the CFPB think you have made attempts to handle this matter. All you have to do is really call me, I can forward Walmart 's email to you and play recordings, and/or do a conference call with Walmart 's corporate resolutions dept., and get to the bottom of this matter.
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02/03/2017 |
Yes |
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I want to thank you in advance for your assistance. I am so fed up with Capitol One it 's not even funny. I have been working on my credit for over a year to raise my score in order to be able to qualify for a home purchase. A few months ago I established a Capitol One Bank credit card so that I could establish more credit. Everything was fine and good until I never received a bill from them.
Because I never received a bill from them I attempted to call them. I attempted to call them with both numbers on the back of the card. Every time I tried calling them, I would never get to a representative, i would get hung up on, or sometimes I would be transferred to some XXXX representative. Well today after still not receiving a bill and not being able to contact them I tried one more time. I was not satisfied at all with the entire process. Capitol One is reporting me 30 days late. When I called today I decided to record the call so that I had proof of the craziness and arduous process one has to go trough to get to capitol one.
When I called the number on the back of the card, I could not get to a representative. I had to repeat myself multiple times for the machine to recognize my request. Even after I was FINALLY able to speak to a representative, I almost hung up because after they answered, no one was on the line for nearly 20 seconds. I had to say Hello many many times before the representative XXXX finally answered. Once he answered things did n't get better ...
When I spoke to him he admitted that he did n't have my address but he also would n't tell me what address he had on file for me. He said it was a security precaution even though the system verified me before speaking to him ... When I told him my problem he did n't care and said he could n't correct the late payment reporting because not getting a bill and not being able to contact them was not a reason to fix it ... That is a lie. I own a XXXX myself and I know that I ca n't simply send someone to collections or place an account in delinquent status if I do n't bill them first. Instead of helping me he decided to transfer me to a supervisor.
The supervisor was no better. I will attempt to shorten this as I am running out of space but essentially she agreed that they did n't have my address at first but now they do. She said she would submit a dispute on my behalf to the bureaus.. I told her why would she do that when I could do it myself. What I wanted to know is if Capitol One would remove the late payments as they have n't billed me and I am unable to get in contact with them. She said she could not remove the late payments because they did n't control credit reporting but the credit bureaus did. I know that is a lie and I told her I knew it was as credit bureaus do not control reporting rather they are keepers of information. She then said that they do n't simply push a button in order to report or not report. I told her I knew that was a lie too as companies send their reporting to the bureaus electronically. She still would n't agree to remove anything even though they know I never got a bill since they did n't have my address. Even after attempting to pay them they still were giving me trouble! They could n't accept my debit card for unknown reasons! If I did n't have my checkbook I still would n't be able to pay them and would probably have more late payments reporting.
In other words, I 've never received a bill, I ca n't reach them until today, even when I do reach them, it takes 30 seconds to respond which almost causes me to hang up. They do n't have my address, they blatantly lie to me about credit reporting procedures, they ca n't even accept my legitimate XXXX debit card for payment! How is this fair or a legitimate business practice? If they ca n't remove these late payments that stem due to no fault of my own, my credit will be ruined. Help me!
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01/01/2016 |
Yes |
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I am writing because I believe I am being scammed by my former credit card provider, Capital One. I recently called their customer service to ask for help with an unauthorized charge to my credit card. On XX/XX/XXXX, after my car broke down, I called XXXX XXXX XXXX for a tow. The tow-truck driver attempted to use my credit card twice as payment for the tow. He told me the charges were declined or failed to go through. As a result, I was forced to pay {$50.00} cash for the tow. Three days later I had XXXX {$50.00} charges on my credit card, which I assumed were from those two attempts. I called Capital One on XX/XX/XXXX. I explained that I had not authorized the charges, and that I had " no receipt '' or any other document of such transactions. I expected Capital One, to call either the tow company or its credit provider to find out what the problem was. They clearly did not make any form of contact with either since I spoke to the owner of the tow company. When I called the tow company on XX/XX/XXXX, I was told that their records did not show any charges. I was assured that even if my credit card was charged accidentally, the credit will return. This I believe is where a possible scam within Capital One is taking place. I suspect that when a customer calls about unauthorized credit card charges, which Capital One would otherwise have returned had the customer not tipped them off by asking to dispute the claim, rather than crediting the customer 's account, Capital One instead initiates some bogus claim dispute. Capital One asks for documents that it clearly knows do not exist, such as credit receipts for fraudulent charge, which the customer " has explained do not exist, '' in order to prolong the process or get a customer to default on a claim. Through this process, I suspect that Capital One scams its customers out of money, which it would otherwise have returned to the customers ' credit cards had the customers not asked Capital One for help. Because I refused to accept this, I have been led for 3 months to believe that my claims would be taken care of. I believe Capital One has done nothing the whole time since I have been the XXXX contacting them to get any serious update. For instance, I received a letter dated XX/XX/XXXX, which stated that XXXX of my {$50.00} claims was closed. The letter said that the other {$50.00} claim would be rebilled to the merchant, and if the merchant recharges my card, then it would be closed as well. When I called Capital One on XX/XX/XXXX for updates, I got all kinds of obvious excuses. I was told that based on the document I sent, none of my claims were strong enough. So, I should dispute the claims with the merchant. They did not mention anything about the rebill to the merchant, which was strange since my credit card was recharged only {$50.00} suggesting that the other {$50.00} supposedly rebilled was likely just another last minute excuse, considering all they had to do was add or subtract numbers. Furthermore, about a month ago, Capital One was uncooperative when the tow company owner asked me for documents to show his credit company to look into my dispute. Capital One created an impression that if I sent them a copy of my original " cash receipt, '' they would fight the dispute. Yet, during the XX/XX/XXXX phone call, I was told that based on the receipt I sent, they did not feel I had a strong case worth fighting for. I have had smaller credit charges to my account in the past, which they have not even requested a single document, and which were less credible than this one. I feel that they may be bias against me perhaps because I recently opened a {$4000.00} credit line with XXXX XXXX. I was also recently forced to close my Capital One bank account because they started charging me monthly fees, around XX/XX/XXXX, even though when I opened the account I was guaranteed no monthly charges.
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05/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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In XXXX of 2014, I responded to an Auto Finance pre-approval notice from Capital One and was approved through your Blank Check program. All document work was done electronically. In addition I have had phone conversations with supervisors in the Loan Origination, Loan Processing, Collection, and Customer Service Departments. In the course of these months I have had XXXX different TILA statements and been given XXXX different explanations to my loan terms.
The loan was approved on XXXX XXXX, 2014 for a range of {$7500.00} to {$23000.00}. Before an exact amount had been determined, I received a blank check and a TILA statement that assumed the loan would be for {$23000.00}, with XXXX payments of {$740.00}. The same document explained that I could lower the payment by extending the term to as far as 60 months. On XXXX XXXX, I spoke with XXXX at XXXX and requested that the term be extended to 60 months ; she approved my request and confirmed receiving the remaining document to complete the process of using the Blank Check. I negotiated a purchase price of {$18000.00} and made the check to XXXX in that amount.
I received a " welcome packet '' from Capital one on XXXX XXXX. The loan terms were not presented in the usual TILA format, but showed a loan of {$18000.00} for 36 months with payments of {$570.00}, and APR of 7.22 %. The XXXX payment was due XXXX XXXX.
I called Capital One on XXXX XXXX, XXXX, and XXXX and explained that I had requested the loan term to be extended to 60 months. I then received a " Modification to Loan Terms. '' Again the terms were not in the usual TILA format, but set out that loan term would be 60 months with payments of {$480.00} and APR of 8.1 %. It did not state an effective date.
I signed the modification on XXXX XXXX and faxed it to the listed number on the same day. On XXXX XXXX, I called to make my XXXX payment and spoke with a representative who told me they were working on my modification. I paid {$480.00}. I called to make my XXXX payment by phone. The automated system told me the amount due was {$570.00}. I spoke with a customer service representative, explained the modification, and was told someone would look into it and get back to me within 2 days. No one got back to me.
Since XXXX, my payments of {$480.00} have gone automatically from my checking account. In XXXX I got a dunning notice, saying my account was past due. I called on XXXX XXXX, and spoke with a supervisor ( XXXX ). She told me she was unsure what was going on and that she would get back to me if more detail was needed. I have never heard from her since. I continued to make the {$480.00} payments and continued getting dunning notices.
On XXXX XXXX, I called Capital One after XXXX and spoke with " XXXX '' I still received the same details in reference to my payment, so I asked to speak with a manager. He told me no one on the management team was available to speak with me, and was only available between XXXX and XXXX. I called again on XXXX XXXX and spoke with a supervisor " XXXX. '' She told me she would have to get with someone in Operations and find out what was going on. She would call me back, I 've not heard from XXXX.
I called again in XXXX and spoke with XXXX XXXX on the XXXX. He reviewed the account and said he did n't see the modification agreement in my file. He said he saw notes discussing the change in terms, but not the document. That was the XXXX time anyone had told me they did not have the Modification Agreement. He asked me to re-send it to him and he would talk with " XXXX, '' the Operations Manager, to see if anything else was needed. I refaxed the Modification Agreement to XXXX on XXXX XXXX. That afternoon he called and confirmed he had received it and was waiting for someone to get back to him. On XXXX XXXX I received a letter saying a mistake had been made on the TILA disclosure in the XXXX XXXX Welcome
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07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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On XX/XX/XXXX I had received an alert that 60 points had been dropped on my credit report. I go on a third party app and seen that XXXX and XXXX had information on how this had happened. Capital One had made a person mark or statement on my reports with out notifying me so I took action. I contacted them and with out cooling my temper I exploded about this mark and statement ending the call without their notice. Monday XX/XX/XXXX I thought I was only having log in issues with my Capital account making contact with them to resolve this issue, 3 call in to them I was then advised that my accout was charged off and not reversable. I strongly requested why? Capital One was very unprofessional and refused to diclose information to this event. Capital at minimal blames the events on the 3 major cradit monitoring agencies none to specific. I made contact with XXXX, XXXX, and XXXX who all 3 said that they no notes of the alleged accusation. I did however take care of some inquiries with the credit agencies that had been neglected in the past several of them. this is where it gets interesting. XXXX first while conversing with XXXX about the Capital One incident I addressed these inquiries unrelated to my Capital One. The agent had focused on my primary conversationof the Capital One incident placing one of their inquiries in the transaction. this domino effect had them then reach back out to XXXX about the inquiry that was not mentioned as part of the request. I learned this more recently. I made contact with a member of management XXXX who was helpful to then make as much sense to these events specifying that the reason my account was charged off so I listened taking notes. XXXX says that it was because of a fraud alert that had been place regarding myself opening the account up as a fraud, she stated that an investigation had taken place and I have never been notified in my email account which is active and receives their email often. Calmly letter her advise me to her best knowledge I took notes. She plainly again blames the credit agencies and its starting to look as if she is telling me the truth. Here XX/XX/XXXX I make light of this to the best of my proof and knowledge. I called on the XXXX of XXXX I was rude and angry I felt I had the right to be, I got a rep out side of the US that maybe had a bad day, the Rep done what he felt he could do with out consiquence. The chain of events semi support Capital Ones allegations however the fraud alert they claim is the root of the matter it came after the account had been charged off and canceled in only hours or minutes oddly and capital has tried to use this error in their favor. Keep in mind on the 1st Capital One was in good standing with all # cradit agencies supporting my side of this event. Capital One did not officially charge my account off to the credit agencies until XXXX XXXX. If the alleged termination happened as Capital stated XXXX and the others would have had the notation and the account would have been closed on that date supporting that they had told Capital One anything about the fraud that only ever took place because of me making contact over this whole event It sounds more complicating that it really is. I have request file disclosure from XXXX, XXXX, XXXX also removing the fraud alert due to the mistake that XXXX specifically made. Capital One and XXXX have made a Nightmare out my life.foreign call support centers for both companies handling situations with out fear of punishment. GDPR Rights can not take place fast enough collecting data our personal data Our lively hoods Socials and much more and clearly doing as they feel fit. Consumers can not prove and only trust that the calls are being handled correctly. Is this just a misunderstanding because of our languages, fowl play, or accident fumble fingers? I know its a violation of my Constitutional Trust Rights..
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02/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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On XX/XX/XXXX, I received an alert from XXXX that someone was trying to use my social security number to open a Capital One credit card account. XXXX connected me with the fraud department at Capital One to dispute this incident to which the Capital One associate claimed, " The information submitted must be a typo because your social security number is here but the name and birthdate submitted does not match. I wouldn't worry about this as we need a certain amount of information to be correct to allow an application to go through for approval. '' Fast forward to this month, I have noticed my credit has been dropping significantly for no known reasons as I pay my credit cards and loans on time. Nothing has been alerted to me via XXXX and nothing is showing up under my credit report as suspicious. On XX/XX/XXXX I recalled this conversation with Capital One and around XXXX MST called their automated system. The system prompted me to find my account via my social security number, and the system found an account under my social. I asked for customer service, first spoke to XXXX who said that the name and birth date on the account did not match my name and birthday so she needed to connect me to an account specialist. I spoke to a XXXX to which received the same information that my social was being used, but the name and birth date did not match mine and that I needed to speak to the credit union to send a dispute and they would not allow me to close the account. I asked for a supervisor, in which was connected to a XXXX employee number XXXX, REFERENCE DATE : XX/XX/XXXX XXXX EST, to which he gave me the same response, " We can not close this account as your name and birthdate do not match the account '' irregardless that my social security number was the account that opened it and that I needed to contact the credit bureau about filing a dispute.
On XX/XX/XXXX around XXXX MST I reached out to the credit bureau and explained the situation. The credit bureau said that this account information was not submitted to them and Capital One should be flagged for either not submitting information to create this account and that they should be obligated to file a dispute for me since they're using my social security number. He also mentioned that if they do not comply that I should report Capital One and their in accuracies as well as their non-compliance to file a dispute when they have not reported information properly to the credit bureau. Due to this information, the credit bureau said that they could not file a dispute because Capital One did not file and submit the account 's information properly.
On XX/XX/XXXX around XXXX MST, I contacted Capital One again and first spoke to a XXXX. She transferred me to a XXXX XXXX number : XXXX, who was, in his words, " The highest personal in the fraud department that I could reach via phone ''. He again mentioned that he can not put a dispute on this account even though my social was being used, that the name and birthdate on the account did not match so he could not do anything and I needed to contact the credit bureau. He also mentioned if I wanted to file a complaint, I needed to write a formal letter to the " General Correspondence '' Team at Capital one giving me a XXXX XXXX XXXX in XXXX XXXX XXXX, UT.
I am quite concerned that : 1 ) a credit card company would allow an account to be opened under false name and birthdate and be connected to another 's social security number even when it was flagged and an associate mentioned there was not enough information that matched to open an account.
2 ) That a credit card company would not be willing to flag an account in which the three major identifiers ( Name, birthdate and social ) do not match in order to either find the issue, close the account and or help dispute fraud.
3 ) Inaccurately or not file information correctly to the credit bureau
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06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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We have reached out to multiple agencies and gotten little response and our finances are in ruins as well as my family up north because of my mothers ignorance and reluctance to see the truth of all the fraud this person has committed in her name and acts she may have done out of stupidity. My Mother has fallen in love with an online scammer and he is ruining us all. Please, Please help. She has sent this man pictures of our children, our home, car, my aunts ( her sister ) and told him personal information which has gained him access to all aspects of our lives because she believes he loves her. I have screen prints from one of her XXXX accounts stating many illegal acts and I reached out to some banks over the phone and in person to try to stop and recapture something. Since XXXX we all have had multiple issues regarding bank transfers, credit card accounts, Missing mail, cashed checks and various cards showing up on our credit or unusual transactions done between various accounts and charges appear on various statements over the past few years, plus XX/XX/XXXX my information was stolen on a layover at the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX at a Convenience Shop called XXXX XXXX XXXX ( Owner ) Police Report filed with XXXX Report # XXXXWhen I had realized a couple of cards had unusual charges and were missing i notified creditors we found reporting on our credit reports and banks immediately ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, Capital One XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX bc I had just been awarded my Unemployment settlement of XXXX and a majority of it was used and taken. My billing address was changed to a XXXX XXXX Location on some accounts, our emails were hacked or new ones similar to our own created, my XXXX information was accessed, XXXX transfers, XXXX transfers and so much more was invaded. Our life and credit have been destroyed, my XXXX XXXX and my Aunt were exposed and compromised by this online love interest my mother met in XXXX. We discovered that my Mother who lives with my XXXX has continued this online relationship with a XXXX profile claiming to be XXXX, a civil engineer out of XXXX. We have discovered this false persona had been deceiving my mother and acquiring all our personal info from her such as SS numbers, bank card and account information on all of the above mentioned. We have found correspondence online supporting these findings as well as wire transfer info from fictitious XXXX businesses and various names Sent to and from my mother over the last few years. XX/XX/XXXX or XXXX We had been contacted by a Florida detective w/Fraud Dept in XXXX XXXX XXXX XXXX XXXX. Regarding my mothers ss and name on accounts with over {$30.00} XXXX in wire transaction at a few banks down in Florida. I spoke to this Det again in XX/XX/XXXX and he claims another womens daughter like myself has claimed her mother has involved herself and her family is the exact situation we are experiencing. My mothers name had popped up in their investigation of business contacts with this Fl women and her XXXX. Also XX/XX/XXXX we discovered my mom was supposedly a member of XXXX XXXX XXXX XXXX and had received a substantially large wire transfer of {$67.00}, XXXX that was deposited XX/XX/XXXX into an account in her name that this xxxxxxx had opened for her to reallocate funds they managed to take from us and various other individuals by withdrawing via XXXX, XXXX, XXXX, atm withdrawals from other inviduals credit cards/atms, depositing checks, fraudulently collecting unemployment in my mothers name, and online transfers the list goes on an on. When i notified these creditors they sai they would investigate and did nothing or closed the account and said i owed even after i provided police reports and statements from the business owner confirming the fraud and theft had occured
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10/28/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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On XXXX/XXXX/2016 I logged into my Capital One Master Card account to look at my balance. On XXXX XXXX I had made a {$320.00} payment thinking that I had paid the card 's balance to {$0.00}. However in checking that balance, I saw that I had a balance and that I was {$25.00} past due. I did n't make a payment because I thought it was XXXX and as we were traveling, there was no need to check it. In finding the past due amount, and expecting to use the card for fuel in a couple days, I immediately contacted XXXX via their secure chat. I chatted with XXXX XXXX. I asked if my card was suspended because of the past due amount of {$25.00}. Mind you that the card has a {$500.00} limit and we always pay much much more than the minimum. In fact the amount on the card is {$87.00} to include the " Past Due Amount ''. XXXX assured me that the card was not suspended. She did point out the " Past Due '' amount and asked if I wanted to pay {$53.00} of the balance? I said that I could n't do it at this point because I only get a VA draft into my account on the XXXX of the month which would n't happen until Tuesday the XXXX of XXXX. She further stated that she take the payment with a draft date by the XXXX of XXXX and that it would allow me to continue to use my card. I stated that would be fine. XXXX stated that I could avoid this in the further by setting up an autopay from my account on file for the minimum amount and that it would automatically draft my account on the day indicated by Capital One Card Services. I said that would be fine but that I had no idea how to do that. She said that she would help me set that up. She was in the process of transferring me to another person to help me set up the autopay when I asked if I needed to still make that {$53.00} on the XXXX of XXXX. She said that it would not because the amount for the autopay draft would be the {$53.00} and that that would reset my card. I said that that would be okay. So she transferred me to XXXX XXXX an Account Specialist, and he started trying to walk me through the process.I had done as he told me and the screen stated " Congratulation '' in setting up the autopay. It stated that the autopay would draft a minimum of {$35.00} on the XXXX of XXXX but that the first draft would be {$53.00}. In italicized lettering it said that in order to create this autopay an initial payment needed to be paid. So, I asked XXXX if I needed to make the {$53.00} payment now or on the XXXX of XXXX to complete the whole process? He stated that I did not need to make that payment and that I had set up the autopay correctly. Again I said that it continues to warn me that I need to make a payment first, so I repeated my concerns. He put me on hold for a little bit, but came back and stated that everything was all set up and I did n't need to make any payment and that the {$53.00} would draft on the XXXX of XXXX. I was satisfied with everything. So on Thursday the XXXX I stopped to get fuel and I used my Capital One Master Card, but it was declined. It was run again and declined the second time.I thought perhaps it was because we were in Tennessee, but thought I had notified XXXX that we were traveling to various states doing XXXX. That was not the problem when I accessed my account. The card was in fact suspended as I learned from Account Specialist XXXX XXXX on the secure chat. She stated that my card was suspended because of the " Past Due '' amount of {$25.00}, but that I could bring it current for {$53.00}. I explained the same thing to her as I am typing right now. All the Who 's, What 's, and How 's. She put me on hold for sometime, but came back and said she read the chat notes and that both XXXX and XXXX were incorrect, and that I needed to pay the {$53.00} now but if I could not then I could instead pay the {$25.00} by XXXX, the card would be active for use the next morning. ( more? )
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09/16/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Since XX/XX/XXXX, I have maintained an account with Capital One with whom I have XXXX credit cards. I have had no returned payments in that time.
I recently moved to New York and opened a XXXX account as XXXX does not have any branches in New York.
On XXXX/XXXX/XXXX, I attempted to put my new bank account information into Capital One 's website, intending to pay the full balance of {$2400.00}. Using the bottom of a check, I entered the routing number and account number. The account information was " verified '' ( that is, it accepted it input ) and I submitted the payment. I was given a confirmation number accepting the payment. I received emails that my account was " linked '' and that my payment was scheduled.
On XXXX/XXXX/XXXX, I received emails that my payment had been returned by XXXX because of an " invalid account number ''. I was on my way to school and did n't have time to deal with the issue just then but that afternoon I attempted to speak with both XXXX and Capital One regarding the payment return and the invalid account number. I noticed also that my account had been closed.
After over 4 hours on the phone, I ascertained from XXXX ( on a three-way call that included a representative from Capital One ) that I had the proper account number and routing number. Frustratingly, neither XXXX nor Capital One were willing or able to tell me the exact nature of the error.
XXXX refused to provide me with any documentation of a requested and returned payment. They repeatedly accessed my account and informed me that no payment was made and so they had no record of a returned payment. I attempted to inform them that naturally there would be reflected in my account no returned payment as the payment was requested from an invalid account number. They did not seem to understand this and when I requested to speak with someone in an accounting or compliance role who might have a record of a returned payment, they refused to connect me.
Capital One was only slightly more helpful. They requested documentation from XXXX of the returned payment ( see the previous paragraph ), stating that absent documentation of bank error or fraud, they could not reinstate my account. I spoke with an account manager, XXXX, around XXXX who told me that she was escalating my complaint to a review committee who would make a determination about whether or not my account could be reinstated and that I could expect to hear from them the week of XXXX/XXXX/XXXX. I did not hear from them in that time period.
During that time, I realized that I had probably mistakenly mistyped my account number on Capital One 's website adding, directly from the bottom of my checkbook, a " XXXX '' to the beginning. I am not certain of this as I have not been given documentation of my error.
On XXXX/XXXX/XXXX, I called Capital One re. the status of my request. I told them that I had probably mistakenly mistyped my account number. I was connected with an account manager who said that the review committee had declined to reopen my account, that they had adopted a strict rule re. returned payments and that a returned payment, regardless of one 's payment history or the circumstances of the return, would result in permanent account closure. I was told that all decisions were final, that the review committee did not hear further appeals, that I would be given no documentation of the decision and that I was ineligible to ever apply for another card.
I am concerned that I have had my account closed a ) without documentation of exactly what went wrong, b ) without opportunity to correct the mistake before account closure, c ) without a meaningful opportunity to appeal closure, d ) without consideration of the nature of the returned payment, and e ) in a way that negatively affects my credit and, as a future attorney, has consequences re. my prospects of bar admission.
|
06/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
I had filed a transaction dispute with CapitalOne ( my current bank ) on XX/XX/XXXX for a transaction from a merchant that I believe has turned out to be fraudulent.
On XX/XX/XXXX, I purchased a computer program that would allow me a lifetime access to their online program, after a couple of months I stoped having access for some reason and the customer service calls stoped being answer, the messages stoped being returned and after some time the phone line seemed to have been disconnected, shortly after that I was furlough from my job due to the pandemic, and then came a series of events that placed this issue of filing a dispute to the bottom of my list of concerns.
I receive an email on XX/XX/XXXX from my bank informing me that my dispute had been denied on the grounds that " I did not report this transaction within the timeframes required under CapitalOne EFT agreement '' I try calling CapitalOne to appeal the decision because under CapitalOne EFT Agreement it says that if for ... a good reason kept me from reporting the transaction they would extend the time periods, with out any solid specification of the time frames they would extend that to in their agreement. So I imagine that the life complications that came from an unforeseeable pandemic would be considered as a good of a reason to extend that time frame.
Here is a list ...
- being furloughed from my job.
- being a single parent and dealing with organizing and homeschooling my kids.
- Trying to buy toilet paper.
- Trying to buy food with limited resources.
- Try to file for unemployment that took almost a month to submit my application.
- Dealing with the stress of paying the rent and bills with no money.
- Waiting in lines for hours at a time at the food banks.
- XXXX XXXX - Getting sick - Getting my kids sick - Being in quarantine During this time while dealing with all this issues filing a dispute was not even remotly close to the level of all my other concerns happing in my household.
When I called CapitalOne on XX/XX/XXXX, I spoke to an agent and I explain to him the reason for my call, the agent seemed confuse to what I was talking about and he said that the reason mentioned in the letter sent to me from CapitalOne was not the reason that my dispute was denied, at that point I was confuse and I asked to speak with a supervisor which I was transfer over to a supervisor named XXXX employee # XXXX I explained to XXXX that I would like them to reconsider the situation and circumstances, that I would like to escalate my dispute and submit an appeal and he told me that there is no such process and that he ( XXXX employee # XXXX ) would be as high as my dispute would get to and that this was the final decision and there was nothing I could do. I asked to speak to a higher up in his department and he told me again that there was no one. I said that he would surely have a manager in charge being that he is a supervisor and he said to me that there is but that he doesn't take any calls. He also mention that it was not really CapitalOne 's decision to deny my claim but that it was MasterCard 's decision and that I could try giving them I call ( which it seems odd because MasterCard is not my Bank ). I ended the call by asking to file a complaint, hopefully it was file ( complaint # XXXX ) After ending the call with CapitalOne I called MasterCard they told me the information given by my bank ( CapitalOne ) was incorrect, they have nothing to do with their dispute process and that I should contact CapitalOne again.
It seems odd to me the information given by CapitalOne 's associates and their professionalism. To beleive that there is no higher up to speak to, that there is no other department to speak to, that there is no one else that can review my dispute, escalate or file an appeal for my dispute is almost unreal and at the least it sounds unusual.
|
09/06/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
See Attached letter. I will be filing criminal charges against CAPITAL ONE CREDIT CARD if they not comply. It has been a week and I have not received payment of {$2000.00} and all XXXX card remain in collections. This will not only not go away until amount paid in full by XXXX XXXX, XXXX, but my four years of extreme loss due to CAPITAL ONE behavior has also cost me countless hours, and my time is worth something to me I will start adding {$100.00} a day late fees as of XXXX XXXX, XXXX. I have been patient for you to do the right thing long enough, this endless stalling, half baked excuses and backwoods theatrics are all I can take. I am a consumer that life is on mend due to catastrophic incidents in which CAPITAL ONE played a large part in creating more issues on top. I am documenting everything as I try to move forward and below you will see a list of things including MEDIA PRESS RELEASES to inform other CAPITAL ONE users and consumers, XXXX XXXX and the like, showing a copy of this letter and my proof, as well as hold you personally responsible for this unlawful and unjust behavior.
FDIC and OCC was in receipt of the same XXXX page letter as you and after their review they submitted CAPITAL ONE also to CONSUMERFINANCE.GOV.
I have spent a better part of FOUR years trying to resolve these issues, and there are more than XXXX issues. I have also been told that CAPITAL ONE has had more complaints than any other CREDIT CARD company and a lot of them were made right around same time I stopped using the cards in XXXX and you also had over XXXX class action lawsuits similar in nature. Please bare that in mind as you remember that I have tried working with CAPITAL ONE and not only are my issues similar as ones reported, but I have more of the average.
Let me also remind you, CAPITAL ONE was given IDENTITY THEFT papers. That I also made regular payments on time, and often. And, that I called and personally canceled the cards and then sent in a last payment. Which I did not have to do with FTC {$50.00} liability per card used.
I am listing the issues below, all of which I have proof and our witnesses for, and CAPITAL ONE has had its time to take care of this the amount of my loss, is inconceivable to what XXXX reported SECURED cards ontio of being beaten repeatedly by gangsters then identity theft and robbed of all possessions. If I do not get CAPITAL ONE immediate cooperation with {$2000.00} payment and XXXX cards out of collections, I will have to take drastic measures. I will be submitting this letter to ever XXXX, ever financial website, every government agency, the FDIC and OCC will get a copy on top of their records as well as CONSUMERFINANCE.GOV where I will be reporting in several different areas as well as XXXX XXXX, and this will go to the law firms who recently had a class action lawsuit with CAPITAL ONE as well as any other law firm handles these matters. I wanted to work with you guys but it 's been several years and I know you are just doing your job, but as you see below, EVERYTHING, I REPEAT, everything below is exactly what happened, and CAPITAL ONE has not even admitted to XXXX of these issues, rather try to find as many issues you think you can with me, to avoid all the irregular activity CAPTIAL ONE was doing.
I am not looking for a rebuttal, just the {$2000.00} settlement and XXXX cards out of collections, unless I find out that XXXX XXXX did make a payment to you guys in which I know in next day or so and that be added to {$2000.00}. All these issues I have sent to CAPITAL ONE in past and have been verified as solid consumer issues in which CAPITAL ONE IS RESPONSIBLE, if CAPITAL ONE is gon na go through this list in hopes to find XXXX that seems like it 's a grey area for you to use to try to wiggle out of this, the issues I first present are the only ones that should have mattered and CAPTIAL ON
|
08/02/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
I will be filing criminal charges against CAPITAL ONE CREDIT CARD if they not comply. It has been a week and I have not received payment of {$2000.00} and all XXXX card remain in collections. This will not only not go away until amount paid in full by XX/XX/XXXX, but my four years of extreme loss due to CAPITAL ONE behavior has also cost me countless hours, and my time is worth something to me I will start adding {$100.00} a day late fees as of XX/XX/XXXX. I have been patient for you to do the right thing long enough, this endless stalling, half baked excuses and backwoods theatrics are all I can take. I am a consumer that life is on mend due to catastrophic incidents in which CAPITAL ONE played a large part in creating more issues on top. I am documenting everything as I try to move forward and below you will see a list of things including MEDIA PRESS RELEASES to inform other CAPITAL ONE users and consumers, SENATOR office and the like, showing a copy of this letter and my proof, as well as hold you personally responsible for this unlawful and unjust behavior.
FDIC and OCC was in receipt of the same XXXX page letter as you and after their review they submitted CAPITAL ONE also to CONSUMERFINANCE.GOV.
I have spent a better part of FOUR years trying to resolve these issues, and there are more than XXXX issues. I have also been told that CAPITAL ONE has had more complaints than any other CREDIT CARD company and a lot of them were made right around same time I stopped using the cards in XX/XX/XXXX and you also had over XXXX class action lawsuits similar in nature. Please bare that in mind as you remember that I have tried working with CAPITAL ONE and not only are my issues similar as ones reported, but I have more of the average.
Let me also remind you, CAPITAL ONE was given IDENTITY THEFT papers. That I also made regular payments on time, and often. And, that I called and personally canceled the cards and then sent in a last payment. Which I did not have to do with FTC {$50.00} liability per card used.
I am listing the issues below, all of which I have proof and our witnesses for, and CAPITAL ONE has had its time to take care of this the amount of my loss, is inconceivable to what XXXX reported SECURED cards ontio of being beaten repeatedly by gangsters then identity theft and robbed of all possessions. If I do not get CAPITAL ONE immediate cooperation with {$2000.00} payment and XXXX cards out of collections, I will have to take drastic measures. I will be submitting this letter to ever ATTORNEY GENERAL OFFICE, ever financial website, every government agency, the FDIC and OCC will get a copy on top of their records as well as CONSUMERFINANCE.GOV where I will be reporting in several different areas as well as XXXX XXXX, and this will go to the law firms who recently had a class action lawsuit with CAPITAL ONE as well as any other law firm handles these matters. I wanted to work with you guys but it 's been several years and I know you are just doing your job, but as you see below, EVERYTHING, I REPEAT, everything below is exactly what happened, and CAPITAL ONE has not even admitted to one of these issues, rather try to find as many issues you think you can with me, to avoid all the irregular activity CAPTIAL ONE was doing.
I am not looking for a rebuttal, just the {$2000.00} settlement and XXXX cards out of collections, unless I find out that XXXX XXXX did make a payment to you guys in which I know in next day or so and that be added to {$2000.00}. All these issues I have sent to CAPITAL ONE in past and have been verified as solid consumer issues in which CAPITAL ONE IS RESPONSIBLE, if CAPITAL ONE is gon na go through this list in hopes to find one that seems like it 's a grey area for you to use to try to wiggle out of this, the issues I first present are the only ones that should have mattered and CAPTIAL ONE
|
11/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
On XX/XX/XXXX I logged onto XXXX, to purchase concert tickets to the XXXX XXXX XXXX in XXXX, CA for the date XX/XX/XXXX. I found 2 tickets and placed them in my shopping cart. Just prior to checking-out, I reviewed the information on the XXXX webpage XXXX including a statement that the tickets would be delivered on XX/XX/XXXX. I completed my transaction using my CapitalOne XXXX XXXX for a total cost of {$250.00}.
The next screen that appeared on the website confirmed the purchase, but the delivery date had been changed to XX/XX/XXXX, which would be useless to my grand child, for whom I bought the tickets. We live XXXX miles from the concert site, a 2.5 hour drive. The concert was scheduled to begin at XXXX meaning the tickets would need to be delivered by XXXX XXXX. at the latest, to be of any use. I checked my email, and found the email confirmation for my purchase from XXXX, which stated the tickets would be delivered on XX/XX/XXXX - the day after the concert. At this point, I had no faith that the tickets would arrive in time.
The misrepresentation of the delivery date by XXXX led me to purchase tickets which I would not have purchased, had I known they did not expect me to receive them until the day of, or the day after, the concert. Shortly after the online purchase, I called the XXXX customer service line twice, and talked to two different representatives. Both told me that a refund was not possible, and both told me they could not assure me the tickets would arrive on time. All they could offer was a credit to be used for a different event, which was not acceptable to me. During my conversation with one of the rep 's, he mentioned that the purchase was still in process, so I asked him to cancel it. He refused to do so.
The second rep gave me the phone number for a XXXX supervisor named XXXX XXXX XXXX ). XXXX confirmed that the transaction could not be cancelled, my money could not be refunded, and XXXX could not assure me the tickets would arrive in time for the concert.
On XX/XX/XXXX I received my monthly statement dated XX/XX/XXXX from CapitalOne, which included the charge from XXXX. Having concluded that XXXX was not willing to correct their mistake, I contacted CapitalOne and disputed the charges. CapitalOne originally approved my dispute, but in a letter dated XX/XX/XXXX they reversed their decision because " Confirmation showing no return per policy was received ''. I submitted my written request to continue the dispute, and provided Capital One Transaction Support Center in XXXX XXXX XXXX with a narrative, copies of screen shots and emails, and copies of contemporaneous notes I had taken, all which I believe proved my claim. On XX/XX/XXXX CapitalOne sent a letter telling me I did not provide the requested information, that they were unable to help me, and that I should contact the merchant to resolve the problem. I believe CapitalOne was ignoring valid and compelling reasons for granting my dispute, in favor of an irrelevant interpretation of XXXX 's boilerplate policy. I am also concerned that I might be the loser in a three-way association where XXXX and CapitalOne are partners with others in major ( but questionable ) ticket promotion and sales activity.
FYI, I did receive the tickets on XX/XX/XXXX. The tickets consist of a digital transmitter which is read upon entering the venue, and are not traditional hard-copy tickets. The tickets were never used, and I sent them to CapitalOne to verify that we received them. I imagine that the concert promoters might be able to verify that they were never used, though I don't know how to do that. XXXX never advised me that they would issue a refund if the tickets were returned, and never asked or suggested that I return the tickets. Had they done so, I would have gladly returned them. They were consistently uncooperative during my contacts with them.
|
02/29/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
I am writing to you with a very difficult situation that has befallen my wife and I during a period of living XXXX working in XXXX in a XXXX. The loan we have had from Capitol One apparently had a 5-year balloon payment and matured XXXX XXXX, although we thought it was a 30 year loan that simply went to a variable interest rate at 5 years. As far as we remember the loan originated with ING bank and since we are XXXX we did not have access to the loan documents that are in storage. My son was diagnosed with XXXX some months back and we have not tracked our finances as closely as we usually do, but this loan was being paid through an auto-transfer from a checking account at XXXX XXXX XXXX and we did not ever think it would run into problems. However, when the loan matured, our auto-transfer was apparently rejected. We did n't know there was a problem until two weeks ago when my wife was contacted by her credit-monitoring agency with the information that her credit scored had fallen from XXXX to XXXX. We then discovered that there was a 30-day late on our credit report and that it came from Capitol One. This led us to discover that instead of going to a variable rate, our loan had actually come due/matured. Apparently Capitol One does not send email notifications of loans that are maturing, even though we receive other business emails routinely from Capitol One. We simply never received any phone or email communication that would have reached us overseas and we do n't know why your letters were n't forwarded to my XXXX who has handled our mail from Michigan while we were XXXX. In this era, it is difficult to understand how a bank in good faith could issue something like a balloon loan and not even send an email to notify a customer of the impending maturity of the loan ( along with there many other marketing and business related emails from Capitol One ). It was n't even apparent what had happened when we logged onto the Capitol One website ( we have screenshots ) and looked at our account. Capitol One has refused any possibility of rapid assistance other than a loan modification for people who can not afford their mortgages, although they initially told us they would get a rapid exception to do a retroactive rate extension.
I initially spoke with the loan-servicing department a number of times and was treated not as the good customer that I am, but rather as someone who had had in bad faith intentionally missed a payment. I said that my primary objective was to get this loan back in good standing. However, I was transferred from person to person, some of whom said they could help refinance the loan, others who said it would not be possible. Ultimately, despite our good faith, I have spent the last 9 days on the phone, emailed and texted with many people in Capitol One including XXXX ( who made led me far astray over the last week by representing that Capitol One would take care of this and make the refinance happen and even originate a loan if we purchased a new property ), XXXX, XXXX, XXXX, XXXX ( who tried to be helpful ) and numerous others and have come up empty handed. I was told that my credit will continue to be further injured as soon as 3 days from now on XX/XX/XXXX and that there no way that Capitol One will refinance the loan because of the 30 day late that Capitol One itself reported. All of this is in the face of a house worth around {$830000.00} and the remaining mortgage that was for {$510000.00}. In other words we have substantial equity, our credit score remains high ( at least for the next several days until Capitol One reports against it again ), we make a salary that is more than enough for the loan, and Capitol One refuses to make any exception and help us with this loan. People make small mistakes, but the consequences in this case have been disproportional and frankly devastating for my family
|
11/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
I am writing this complaint 7 months after my previous complaint ( Complaint ID # XXXX ) as the issue is still unresolved. On XX/XX/XXXX, my account was restricted, and subsequent calls revealed suspicions of fraudulent activity. The closure was linked to multiple transfers from my external checking account, which were reversed by my external bank. Despite my attempts to provide information and cooperate with the investigation, I was met with a scripted response, and relationships with Capital One were severed due to perceived suspicious activity. CapitalOne responded to my complaint on XX/XX/2023, and stated that I deposited two amounts totaling {$4000.00}. They then stated that these deposits were reversed by my external bank due to " unauthorized corporate debit ''. They said that due to this reversal, my external link between both banks was deleted. After this my link was added once again and another transfer of {$2000.00} was initiated which was also reversed due to unauthorized corporate debit, leading to their decision to end relationships with me and close my accounts indefinitely. My simple explanation for the amount of {$4000.00} being reversed is that it was the wrong amount. However, I didn't intend to deposit {$4000.00} as I accidentally transferred an amount similar to {$2000.00} twice because I was under the impression that the first one was canceled. I falsely believed it was canceled as I was still in the process of completing the external link, which involved receiving a small payment and stating that exact amount to the bank. This was the reason that the first payment totaling {$4000.00} was the wrong amount ( intended to be an amount similar to {$2000.00} ) and it had nothing to do with any suspicious activity, just an honest mistake. I shouldn't have rushed the transaction although I believe being XXXX XXXX XXXX and this being my first real banking transfer is a good excuse and I will ensure I am more responsible in the future. I am still unaware of exactly what " unauthorized corporate debit '' entails but I can easily prove that I authorized the transaction and that I was the owner of both the XXXX XXXX XXXX XXXX and the CapitalOne savings account in question if that is the issue. Regarding the second transaction being reversed, I am still completely confused as to why the second transaction was reversed as it was the correct amount and I definitely had that amount in my external account. I will fully take the blame for the first transfer being the wrong amount, however, the second transaction 's reversal was unwarranted which was the reason my accounts were closed indefinitely. I am willing to provide any necessary documentation, such as bank statements, to confirm the legitimacy of my actions and clear any doubts. As an innocent young man who was simply inexperienced with finances, I am seeking a thorough analysis of the situation to avoid any potential negative impact on my banking history. After careful review, I understand the importance Capital One places on fraud prevention, however, I believe there may have been a misunderstanding regarding the circumstances that led to the closure. The issue appears to simply be a misinterpretation regarding reversed transfers from my external checking account, which I will diligently attempt to rectify. I would like to reiterate my commitment to the security and policies of Capital One. Upon further reflection, I realize the value of my relationship with Capital One and am hopeful that a reconsideration of the account closure can be facilitated as I plan to use CapitalOne as my primary bank in the future. It stands out as the most convenient bank for me, perfectly aligning with my upcoming internship 's location and overall banking needs. Prompt attention to this matter is highly appreciated, and I look forward to resolving this situation amicably.
|
07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
I am in a predatory upside down loan with Capital One Auto Financing that violates the NY civil usury law. I purchased a used car on XX/XX/XXXX from XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX XXXX also located within the dealership procured the loan for me. She did not fully and transparently explain the terms to me. I paid a {$1000.00} deposit.
The terms of the Capital One loan are {$20000.00} ( as they also included a 2 year XXXX agreement for {$2500.00} in the loan ) at an interest rate of 21.15 % for 66 months at a monthly payment of {$490.00} for a total loan of {$32000.00}, {$33000.00} including the {$1000.00} deposit. A few days later when money was withdrawn from my bank account I called my bank to see what it was for and they said your auto loan. I then called Capital One to tell them that I can not afford this loan and to please help me. They flatly refused and told me to call the dealership. I tried calling XXXX XXXX persistently and she kept avoiding my calls. I finally got her on the phone and she also flatly refused to do anything.
Second issue with the loan. I never received the XXXX agreement included in the loan. I had my friend on my behalf ( as I XXXX XXXX XXXX for a living and on the XXXX XXXX XXXX XXXX ), email XXXX XXXX on Sunday XX/XX/XXXX. She never heard back from them by Monday afternoon so she called to ask about the XXXX. She spoke with a XXXX XXXX who said that there was nothing in their system under either the application number or the VIN number. She asked are you sure, can you double check? He did and said no, there was nothing in their system. He also stipulated that it would be attached to the VIN # if it was in the system, which it was not. XXXX then emailed XXXX XXXX to tell them that there was no XXXX in their system and that was a problem because it was included in the loan which now made the loan fraudulent. XXXX XXXX has agreed to refund Capital One the {$2500.00}. A more detailed explanation is in the termination letter attached.
I ( and XXXX were both on the call which they were aware of ) have spoken with the office of the president at Capital One ( a woman named XXXX who refused to give her last name ) and explained that they violated NY civil usury and that the XXXX include in the loan is fraudulent and therefore the entire loan is void and Capital One once again has refused to do anything. This was their second chance to rectify their unlawful behavior and they doubled down and flatly refused both times. I recorded these phone calls. I am now 2 months behind in my loan payments because I can not afford this predatory loan.
XXXX has also sent XXXX XXXX and XXXX XXXX at the dealership an email including a signed letter from me explaining all of the above stating that the loan is null and void because it violates NY civil usury and that the XXXX included in the loan is fraudulent. That I want to return the vehicle and get my {$1000.00} deposit back and also get damages as they knowingly and with intent defrauded me. They have not responded.
I just want out of this loan, out of this sales transaction, return the car to the dealership and get my {$1000.00} deposit money refunded from the dealership and the money I have paid to Capital One so far refunded as well as the loan is fraudulent. I can not sell the car as it's owned by Capital One and the loan is worth for more than the value of the vehicle. The above parties all acted knowingly and with intent to defraud me out of {$33000.00} All of the below were involved in this and should be held accountable : Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Salesperson : XXXX XXXX XXXX XXXX XXXX ( located within the dealership ) XXXX XXXX XXXX ( President ) T : XXXX Capitol One Auto Financing Acct # XXXX Tel : XXXX XXXX XXXX XXXX : XXXX
|
04/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I used my credit card for the final time, XX/XX/XXXX : purchase on Capital Ones record-was for a Hotel in XXXX, FL.
The only other use, by me, with this card ( since XX/XX/XXXX ) was an auto-payment that is recurring, monthly, with XXXX ( late XXXX -a charge for {$5.00} XXXX Capital One emailed me a potential fraud alert on XX/XX/XXXX & I immediately took a break @ work to call them. Capital One customer service discussed that someone had used my credit card to make 2 charges through Walmart.com, these were fraudulent charges made by someone who stole my credit card information.
Capital One did not credit my account but opened a fraud investigation.
Walmart & XXXX contacted me the next day-XXXX & I resolved the purchases made by the thief who stole my credit card information & all merchandise was returned to Walmart-Walmart additionally emailed me receipt of all returned purchases/merchandise on XX/XX/20. Walmart also processed the full refund to Capital One.
On XXXX Capital One erroneously put false charges on my credit card b/c they advised me they didnt find my charges deemed fraudulent.
After hours on hold with Capital One on XX/XX/XXXX, a cs XXXX said I see we didnt credit you & charged you in error & will correct this.
I closed my credit card account with a different cs, also on XX/XX/XXXX.
I contacted Capital One on XXXX & after 30minutes in hold with two different CS, I spoke to XXXX who showed no record of my call XX/XX/XXXX with XXXX.
XXXX told me he could tell the charges were not made by me b/c they were made in XXXX. He also confirmed Capital One is charging me for nothing and these chargers are in error. He said he would correct the issue.
On XXXX Capital one sent me an email statement that showed the accurate credit made on XX/XX/XXXX. However Capital one also placed the false charges back on my account on that same date XXXX.
I called customer service again-on XX/XX/XXXX & the XXXX cs agent hung up on me refusing to give me a manager, after she accused me of returning a purchase I no longer wanted, basically calling my stolen credit card & charges by a thief a lie. After another hour long conversation with an XXXX woman whos name I dont know, said she was the manager & repeatedly assured me Capital One is in error & the charges on my closed card are inaccurate, & Capital Ones error, & she said it required a form & another 5-7 day process to correct. She advised there was no means for it to be rectified more quickly & she would MAIL a letter, because she was not able to email me any confirmation of the correction & reversal of charges owed to me.
This has been dragging on for almost five weeks.
The only thing Capital One has completed efficiently is the initial fraud alert email & the closure of my credit card account.
Im due a credit for false charges & this company should be capable of removing charges they have fabricated.
Capital One, Walmart & I all have receipt of the fact the original purchases made by the thief who used my cc information was never received & all purchases were successfully returned ( & again refunded by Walmart ) I have wasted hours of my life, lost sleep, been utterly distraught & repeatedly lied to about this situation. And as of XXXX-there is still no follow up from Capital One & no resolution nor refund of the false charges.
Im filing this complaint based on 1 ) false charges on my credit card, created by Capital One 2 ) Capital Ones inability to resolve & make credits due to me for their errors. 3 ) the waste of hours of my time, repeated lies & incapability of the many CS & supposed management I have tried to resolve this with. 4 ) the ridiculous amount of time & stress their refusal to expedite & correct has caused me. 5 ) the fact I have no idea if or when they will remove these false & fake charges from my account & finally correct this issue.
|
06/15/2015 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
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I have been an excellent Capital One multiple credit card account holder customer for many years and I have always conducted the best of what is expected as a client with this bank and handled my accounts always in a positive and excellent manner of operations but I am contacting and filing a complaint against Capital One after I have notified and tried to resolve my issue with them for quite some time. I have asked for a credit limit increase on my accounts and they will not grant me my requests month after month and has been close to XXXX years or longer on some of my accounts. They send me a reply back explaining why and the reasons are not justified. I will enclose proper documentation as well with this complaint. I have never been late on my accounts and I have never been over the credit line or missed any payments. I have used my accounts a lot and I pay them on time as well sometimes even several weeks ahead of payment due date and frequently more than once in the same billing period and I have made well above the minimum payments that their last denial of credit line increase saids I was n't making the more than the minimum and yet I can show that as well is incorrect. I feel like I am being discriminated with Capital One on not getting the same services that other good account holders have access to. I show excellent responsibilities on my accounts that should warrant no denial for credit line increases and additional spending power that I should be entitled to as the next person. I have XXXX account with them and XXXX of the XXXX are paid in FULL and have XXXX balances since XXXX 2014 and they still decline credit limit increases on these accounts as well. They have no real excuses but send me bogus if not random computer generated responses that show no merits to what they declined me for and if not at least being discriminated then perhaps a huge error in their approval for such request should be noticed and investigated into. I have all supporting documentation to show my concerns here and I have even contacted Capital One about this issue several times and they seem to over look and or not seem concerned about my complaints and questions. The last complaint was about a week ago and they said their RESOLUTIONS DEPARTMENT would call me and of course this proved to be false and I never heard anything back from Capital One as they said I would in XXXX business days of initial complaint filed. Capital One should not be allowed to treat me differently for whatever their criteria is if they are not following the same business practices with everyone else that is holding the same standards of account responsibilities and should not be allowed to pick and choose who is entitled to privy rewards and who is n't when regardless that both parties take good accountabilities on their credit card accounts. My status is excellent with the way I handle my accounts and they do not have any real reasons NOT to grant my requests when I ask for them. They send me their reasons to why I was not approved by these reasons can be justified and proven that it is n't so. This is not right and should not be tolerated from a business that can not be diligently fair and reasonable with every account holder with fairness and unbiased and non discriminatory when making decisions and should be viable and legitimate reasons for declined of such asked requests when requested by an account holder such as myself. Telling me that I was denied due to low monthly payments on my account when their minimum is {$45.00} and I am making {$160.00} payment does n't not see too low minimum payments and I always pay at least XXXX the asking monthly set Capital One billing in addition even with XXXX accounts paid in full they still do n't have a valid reason for not granting my request. This needs to stop and be investigated at once. Thank You
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07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
We rented a car from XXXX in XXXX on XX/XX/2023. We purchased both the LDW and B2B insurance at the time and were told that " no matter what happened to the car it is covered ''. While driving on a main road, we hit a rut that damaged the underside of the vehicle and the car had to be towed. We were provided another rental car by XXXX. On XX/XX/2023, without any notice, a {$10000.00} charge was placed on our CapitalOne credit card. On XX/XX/2023, we received an email from a person from the car rental claiming that the damage to the vehicle was caused by a " low blow '' and is considered negligence so it is not covered by the insurance. The following day we disputed the charge to CapitalOne who removed the charge while it investigated.
On XX/XX/2023, CapitalOne sent us an electronic letter claiming that the merchant provided a receipt showing the transaction was billed correctly. I was informed that if I still wanted to dispute the claim I had to provide additional information.
On XX/XX/2023, I sent a detailed letter to CapitalOne via USPS with the rental contract which had the insurance provisions accepted and which contained no " negligence '' exclusionary language. I included communications with the car rental agency and pointed out that the the provisions for the insurance explicitly state that the car is " protected Bumper to Bumper in case of Accident, Damage or Theft ''.
On the same day ( XX/XX/2023 ), CapitalOne sent another electronic document asking for additional information that was duplicative of what I had already sent, but they had probably not received yet. I called CapitalOne and said that I had provided everything I had in response to their XX/XX/2023, letter.
On XX/XX/2023, I received an electronic letter from CapitalOne saying that I had not provided all previously requested documentation and my claim was denied and the case was closed.
I called CapitalOne the same day and explained that I could not provide some of the documentation requested because I did not purchase any goods or services. That there was no authorization for this charge to our card since any damages to the vehicle were covered by the insurance. During this lengthy call I was escalated to a supervisor who told me I had to get more information from the car rental agency regarding the insurance company 's denial of the claim.
I sent another series of emails to the car rental agency and asked again for any documentation identifying the negligence exclusion for the insurance and all information from the insurance company denying the claim and nothing was provided. I uploaded those communications to CapitalOne via a link the supervisor had provided and on XX/XX/2023, I received another electronic letter from CapitalOne that says my dispute is denied because I failed to let them know within 60 days of receiving the disputed charge. I immediately called CapitalOne again and had another lengthy phone call where the representative acknowledged receiving all of my documentation but said the case was closed and she couldn't help me. The {$10000.00} charge remains on my credit card which I am refusing to pay.
I am attaching the two letters I sent to CapitalOne along with the attachments and the letters they sent to me.
I also submitted a complaint with XXXXXXXX XXXX customer care department. Again, they claim that the insurance coverage was denied due to " negligence '' without providing any additional documentation supporting such a denial. I'm also attaching these communications.
I have repeatedly asked XXXX to identify the " negligence '' exclusion in the insurance coverage and they have not done so. I repeatedly asked CapitalOne to identify the document they were relying on to authorize the {$10000.00} charge and despite using that as the initial basis for resubmitting the charge to our card, they have failed to do so.
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11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
New information has come to my attention on a previous dispute : On XXXX XXXX, XXXX Capital One Auto Finance XXXX XXXX XXXX replied to my dispute regarding five 30 day lates showing on my credit report from XXXX XXXX to XXXX XXXX. In that correspondence XXXX provided documentation which expressly states : Extending your payment is a service we offer in order to keep your account current. It is XXXX way to catch up on your payments and avoid possible late fees or negative impact on your credit.
To quickly recap, I had fallen behind in my payments due to being laid off work 2 days before XXXX in XXXX XXXX. My unemployment was delayed for almost a month and that contributed to me being slightly behind but NOT 30 days late. In XXXX XXXX I landed a contract as a traveling XXXX XXXX XXXX but had to pay expenses to travel from Virginia to Michigan where the assignment was located. I thought I might be able to catch up on my own but the transition had taken a toll on my finances. So in XXXX I reached out to Capital One to inform them of my hardship and that I had found new employment and just needed an extension.
In the documentation Capital One sent to me XXXX XXXX, XXXX there is a mathematical error ( either intentional or by mistake ) that would cause great damage to my financial position for several years. The records show that I was only behind one payment of {$380.00} ( the amount I was trying to catch up on ) but according to the letter sent by Capital One, I was required to pay {$790.00} to get an extension. This would have been the amount I was behind, {$380.00}, plus the XXXX XXXX payment of {$400.00}. That is asinine ... If I had the {$380.00} I would not have needed an extension to catch up on payments to avoid a 30 day late. If I had {$790.00} when I was only only behind by {$380.00} then I definitely would not have called Capital One to get an extension because that amount would have made my entire account current. The {$790.00} represented my normal payment terms, not an extension to catch up on payments. I asked for an extension to catch up on {$380.00} and Capital One in essence says, 'sure just bring your account current and you 'll get an extension '.
Obviously Capital One made a mistake but then intimates that I did n't honor the terms of the extension. But in XXXX XXXX an extension was granted even though I still had not XXXX XXXX extension requirement. XXXX XXXX ignores that fact in her response from the office of the president when she states that I did not honor the extension terms that Capital One required in XXXX XXXX. I never made an extra payment, yet in XXXX XXXX, Capital One mysteriously granted the extension.
It is simple : the extension granted in XXXX XXXX should have been granted in XXXX XXXX.
XXXX months after I asked for the extension, five months after Capital One told me to pay the past due and current payments COAF finally granted the extension they botched. I had phone communications with them during that time explaining that obviously Capital One made a data entry error. After more than 20 disputes, like XXXX XXXX pointed out, Capital One refuses to resolve their math error even though they are a finance company XXXX XXXX XXXX. At this point, severe damage has been done to my credit file and my personal finances because Capital One has refused to resolve this error. I have been denied loans for investments etc. Now a nightmare has grown out of what should have been an easy fix. If XXXX listened to their customer and actually reviewed their documents this matter would have been resolved five years ago. At this point, Capital One has made it clear that it stands by it 's decision to double down on the illogical which has been malicious to my financial status. This decision is not unlike the discriminatory and marginalizing practices that plague the world of finance.
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03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
I am filing this complaint because, immediately following hurricane IRMA, I contacted my creditors to inform them that my home and my family and I had been impacted by hurricane IRMA. I was informed at that time, Capital One had measures in place to assist those individuals accounts, impacted by this natural disaster. I was told they would be eligible for a hardship, which would defer all payments, interest, and late fees for 90 days and if I needed additional time, they would be able to make further arrangements. It was not brought to my attention until a couple of months ago, that Capital One reported delinquent payment during this period which I was instructed no payment was due. My residence was listed as a natural disaster area, by the governor of FLORIDA, I reported my situation timely, and was advised on what I should do, now I am suffering the effects of derogatory credit reporting, which should not have been reported as late. I have not had any late payments more than 30 days to my account prior to this event, nor have I had any late payments more than 30 following this event. Capital One is the only creditor who reported my payments as late for 3 consecutive months, and their actions have effected my credit report tremendously. I have spoken with numerous supervisors and was told they would resolve this issue, but nothing has been done. I reported this to the credit bureau and they disputed the report. Capital One is stating that the report is correct and I should have never received the hardship, they waited till after the hardship period and went back and reported my account delinquent for the entire period of the hardship. Their unfair credit reporting practices have impacted my credit score with all credit reporting agencies, creditors, lenders to the point, I can not obtain financing to consolidate my debt. I spoke with a supervisor at Capital One, XXXX XXXX, on XX/XX/18 after speaking with the credit bureau which they informed me that Capital One stated the reporting was correct. This is incorrect, because I was given a hardship and told no payment as due. XXXX XXXX confirmed I was placed on a hardship due to the nature of events. Under the circumstance, she did not understand why Capital One had reported my payments as late, she further went and stated that the late reporting had been deferred during this period, and when the hardship ended, and I should not have been given the hardship. She stated that my account was delinquent from the month before, but my payment is not 30 days late at the time of the natural disaster. I called Capital One and informed them of my situation prior to the end that payment period. I was told no payment was due, and my account would be deferred for 90 days. Capital One reported my account as late for 3 months. Again, this has created a hardship for my self and my family. I realized that I have made payments days late in the past and I was charged a late fee for doing so, but not past 30 days which would have resulted in impacting my credit report. Again, these are unfair credit practices and reporting. If Capital One did not want to honor the hardship offered to me, then perhaps they should have told me and I would have made other arrangement to ensure they were paid timely. They offered a service and reneged on it, without informing me or advising me of there intent to do so. The had no reason and no right to report my credit as late for 3 months, since I was told by Capital One employees on several phone calls that no payment was due. The only fair resolution to this issue would like to se is for Capital One to fix this error, and report to the credit bureau that my account was current for the 3 months, they falsely reported as delinquent during a state of emergency, which a moratorium had already been established by the Governor of the State of Florida.
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01/19/2016 |
Yes |
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Web |
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I opened up my card in XXXX, XXXX ; had no issues. However, in XXXX, XXXX I had made a payment of XXXX which was charged twice to my account. I had gone to the bank thinking it was an error on their end, showed them my payment confirmation, however, was advised that the payment was pulled twice from Capital One. At the time, it was not a big deal because I did n't lose the money, as it just made a payment of XXXX to my account. Then the next month, I made a payment of XXXX, which again was charged twice. I went back in to the bank and they advised that XXXX payments were pulled. Again, the money went back on to the account and I could just use my credit card instead so I did not dispute it and just left it alone.
The huge problem came on XXXX/XXXX/XXXX when a payment of XXXX and a payment of XXXX were cleared through my bank, however, were not showing as paid out through Capital One. I contacted Capital One " Customer Service '' at XXXX and spoke with a sweet rep who had advised that the XXXX payment had been cleared, however, the XXXX payment had a hold on it and had to be cleared by the bank. I had advised the rep that I was outside of the store now and asked if I should wait there or if this would take a long time and I should leave, she stated that she just needed to contact my bank, get the clearance then she would release the payment and would be able to use it in about XXXX minutes. She places me on a XXXX way call to my bank, and we spoke with XXXX at my bank who was able to verify my information and then verify the payment of XXXX. We hung up with XXXX and the Cap One rep placed me on hold to release the XXXX payment. The rep got back on the phone and had advised that she was having issues and needed to place me on hold and transfer me to a specialist that would help me.
I was placed on hold over XXXX minutes and transferred to a new rep who had no idea what was going on. I again went through the entire story and the rep stated that she can not release the payment as the XXXX payment needed to be verified. I asked for a supervisor and the rep transferred me to a supervisor named XXXX. XXXX repeated everything that was already said to me and I had advised him that the first rep I spoke to already took care of this, and had spoke with XXXX to verify the payment. XXXX stated that there were no notes of this ever happening, I asked him to get the first rep I spoke with as she would have the notes or at least be able to tell him that this was verified. XXXX proceeded to repeat the informaiton that he had stated, and I asked if he had heard anything I had said, and he said he already told me there were no notes on there and that he cant release the payment until then. I told him that I have been on the phone over an hour and its now passed XXXX and my bank is closed and asked what I am supposed to do because my bank account was almost emptied due to the payment, and as the payment is not cleared through Cap One, I have no money on my credit card, so cant get groceries and nothing is open on Monday because its a holiday. He stated " I do n't know what to tell you, cause it was n't verified '' I said " Yes it was verified, back when the bank was open and when I first called at XXXX. '' I had advised him as well that I can send him the info to show that the payment already cleared my bank since he can not reach out to verify that the bank was called. Which he said no to and said, he does n't know what to tell me. I stated " I have XXXX kids at home and no groceries now, what am I supposed to do for 3 days? He said " Welp, do n't know what to tell you, I cant see that this was done. I ended up closing my card, and asked for a refund, as I overpaid on my credit card and he then proceeded to say my refund will be sent in XXXX pay cycles! TWO MONTHS!! He was so rude and was a sorry excuse for a supervisor.
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01/23/2017 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Both of my credit cards that I have in my name are serviced by Capital One. They are my ONLY consumer credit I have. On or about XX/XX/XXXX after returning to work from a 30 day medical leave, I noticed that there were some suspicious charges in both of my accounts, specifically XXXX & XXXX charges at first. Prior to my medical leave, I paid both of these cards down to less than a {$300.00} balance. This signaled to me that my credit cards had been used for unauthorized purchases, so I called Capital One. At first it seemed like they were doing their job and trying to help me. I had asked if the Capital One specialist if they could mail a paper transcript for both accounts. XX/XX/XXXX one of these arrived, but not the other. And Capital One had issued new cards to me and rolled back most of the charges believed to be in question. They had also made these cards inactive. So unexpectedly, the XXXX holiday was met without the typical use of credit cards for buying gifts & the plane tickets that I needed to get to my Dad 's house in XXXX. This was an enormous hassle! And, while this fraud investigation was on-going, the credit bureaus were reporting on my balances as being close to XXXX %, not the actual less than XXXX % I should have had, which SIGNIFICANTLY harmed my credit score. When the lease on my car ended on XX/XX/XXXX, and I went to purchase the residual balance, but not one bank would give me a loan with my new XXXX credit rating from my normal XXXX. I tried XXXX banks in all. Obviously, I had to do something, so I worked with the XXXX dealer and came up with a solution to purchase a new vehicle and XXXX would give me a loan. Not only was this the LAST THING I wanted to do, but with the XXXX credit rating, instead of getting the 0 % interest loan I would have normally qualified for, I had to accept a 8.9 % loan, on a {$45000.00} balance! Now for the next 6 years I 'm stuck paying an additional {$11000.00} in interest on this loan. I called Capital One each week in XX/XX/XXXX to get the status, each time they said they were still working on it because a merchant or XXXX had refused the rollback.
Over the holiday break, I lost my cell phone and upon arriving in XXXX on XX/XX/XXXX, I called Capital One the next day to give them my new cell phone number. While I had them on the phone I reminded them that I had n't received the second transcript and they said it would be sent right away. They also said they would get back to me when the investigation was complete On Friday XXXX I received a voice mail from Capital One indicating that I needed to return their call. That day was very hectic at work and I had a family emergency too. I called Capital One the following Monday morning, today. After waiting on the phone for over an hour, I was told my account had gone to collection for non-payment. I was livid but remained cool over the phone. I told them the situation and that I was STILL waiting for the second transcript they had promised. I was told the merchant disagreed with the transaction rollback. I KNOW FOR A FACT that I did not use their services, I NEVER have in my life. This has gotten completely out of hand and short of retaining an attorney and throwing good money after bad, I do n't know what to do. Capital One says that they would consider any new evidence if I provided it, meaning the transactions logs for each cards marked up showing ALL of the fraud charges with my signature. I simply ca n't provide them something that they have yet to send to me to mark up. The first one has been done for over a month. I really thought the second one would arrive in a day or two so I held onto it, believing I would just mail them together. Capital One threw their unprofessional & inefficient approach to this situation is the reason it has taken so long to even get to this point, the reason I 'm stuck pay
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03/24/2015 |
Yes |
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Web |
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Received Capital One charge card offer XXXX. Applied, was accepted ( {$500.00} limit ), activated card and used for XXXX presents. Charge card # XXXX. Right after activating card ... Capital One sent me another card with same {$500.00} limit ... never activated ... never used that card. First bill from above card # came due XXXX and minimum payment due was {$15.00}. I sent in {$20.00} via USPMO and sent in before due date. With the XXXX non-activated, non used credit card ... ..they also sent me bill for some yearly fees when never even activated the card. So called them up ... ... .told them did not want the card and sent back to them. Well ... .get my next bill from the card # above ( XXXX ) ... .they did not credit me for the {$20.00} payment and charged me outrageous over the limit fees, late fees, etc ... and now {$70.00} payment due. So, I called up, their rep stated they accidentally applied my {$20.00} payment to wrong account number and would be corrected. So, I sent in a {$70.00} payment via USPMO along with note to make sure account corrected and both payments applied to correct account number ( minimum due and wanted to keep that card and also repair my credit from bankruptcy in XXXX or XXXX. ) So ... XXXX bill came in the mail ... .and once again ... ..they did not apply my payment of {$70.00}, nor the previous payment of {$20.00} ... .which they stated they would correct. They charged me more outrageous over the limit fees, late fees, etc, along with some stupid note about " spreading yourself too thin. '' I thought wow ... .this is total bs ... ..so I called numerous times, wrote numerous times ... with no success of them correcting my account, when they acknowledged their mistake ( s ) ... ... then they wanted {$120.00} for minimum payment ... .I thought this is totally illegal. Sent my payments in on time and sent in more than minimum to even begin with. Kept calling and writing, with no resolution like they stated. I totally quit paying at that point ... Did not know what else to do at that time. Sometime around end of XXXX started getting threatening phone calls from some collection agency ... ... I mean really threatening. Like about every other day. Well, I ended up extremely ill, in and out of hospitals around that time, doctors, more hospitals, XXXX, XXXX, XXXX ... ..etc ... ..ended up in XXXX and XXXX entire summer, due to XXXX, XXXX ( XXXX at time ) XXXX ... XXXX, XXXX, and more ( Have all the records. ) Anyway ... come XXXX or XXXX, XXXX, XXXX, XXXX put a freeze on my bank account. ( currently XXXX XXXX ... Never knew took me to court & did an illegal Judgement. Called Capital One ... they new NOTHING ... Called XXXX etc..asked for verification XXXX XXXX ), etc..of my account, payments, court order, etc. Did receive back some info of my account. It clearly shows that they put my more than minimum payments onto a totally different account ... ..I now have the proof, of their illegal practices regarding Capital One and XXXX, XXXX and XXXX. I also have my stubs from my payments sent to them via USPMO for further proof. Now, just recently I have been calls at my home from unknown number stating to call XXXX stating something to the effect of ( my name ) and " property at ( my home ) address '' being sent from the clerks office. My Mother, who is owner of this home, has also been getting such calls and days in row ... regarding me and the " property at ( my home address. ) and clerk of court. Now she is the owner of this home which we rent ... and her property has nothing to do with my Capital One account which they totally illegally screwed me on..along with XXXX, XXXX XXXX XXXX illegal collection practices. So, I did look on website, and the Attorney for XXXX, XXXX, XXXX did do a Judgement renewal previous to us getting these harassing, threatening, illegal calls. Need help here.
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10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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My first credit card with capital one was my Platinum that was in good standing. All bills were paid on time. I called to question some charges, and they took my complaint the person, then called the institution, and was told that they did not recognize the charges. That Capital One representative immediately remove the charges from my account, credit back my account for the amount, and referred the account to the fraudulent department for review, then she issued a new credit card with a new number. I was using the card with no problems and paying my bills regularly when I noticed some additional charges on my account. I called Capital One to find out what they were about and they were fraudulent transactions from my old card and were placed on my new card. I again questioned the fees and said they were fraudulent someone had already researched and why were they back on my card? I was told that the fees had been too long to remove so I had to pay them. Now, remember these fees were already previously paid. I only called to find out what the charges were but now they are back on my new account plus penalties. I asked if they can remove the penalties because I had already paid these, but no one seem to understand what I was asking. They got very defensive in the fraudulent unit and I was told I had to pay everything that they put on there, I wrote a letter to the corporate office in Virginia and I never received a response from them. I waited to see if they would remove the penalties but they never did. Numerous frustrating. Conversations going in circles going from customer service to fraud to some supervisor back to the same customer service agent. It was driving me crazy. I decided to pay the whole bill plus penalties. At the time when account was paid in full, I was told by the agent that there was no restriction on my account and my card was OK to use. Here I am now several months later with the restrictions still on my account. I called to ask how can I get this restriction removed? I was told at the time that I paid it was going to be removed but it is still there. The lady that I spoke to gave me ridiculous reason for not reinstating my card. She said I only had a certain timeframe to pay my bill for 90 days on time and I did not comply. I asked her if she heard what she was saying because it made no sense. How can I pay a bill for XXXX months on an account that is closed and I have no balance due. I asked to speak to a supervisor and the supervisor seem to understand exactly what was going on and how this did not start with me it started with Capital One. The supervisor sent it for review to see if they can remove the restriction only because the previous person had told me there were no restrictions and that I could use it however, I just received a call and was told that they could not unrestricted my card or reinstate my use of the card, because they could not find a phone call that stated that my card was good to use. This is not something that I would make up so far I had no intention on ever the company or taking anything from them. I just called for an explanation of fees, and I got what I thought was a nice lady, who took the fees off and gave me credit but it was only the beginning of a horrible experience with Capital One. Ive had this card for several years now and been paying on time but now I can no longer use this card or get another one. This is unfair to me. No one from the company seems to care, no one from the company has called me back and I would like this reviewed and I would like my platinum credit card reinstated and unrestricted. I have already filed a complaint with the XXXX XXXX XXXX and I want it to also file with you so someone at XXXX can hear what I am trying to say and understand what I am trying to say and how this was never my fault or caused by any of my doing.
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02/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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There are two complaints with this ticket regarding unwarranted interest charges Complaint 1 : Full balance payment was made XX/XX/XXXX with a Capital One rep. The payment never went through and I was charged ~XXXX interest on XX/XX/XXXX. No notice was provided. I was blocked from using online account. No statement, notices, emails were provided prior to XX/XX/XXXX. The Capital One employee already had my bank account info in their file, but still somehow managed to mess up the payment order. I should not be charged for the mistake of capital one employee.
Chronological Order of Event 1 : Call was made XXXX XXXX XX/XX/XXXX.
1a : Three topics were discussed. Online payment issue ( it wont let me pay online ), Requested my original terms and condition, paying off my total balance.
1b : After discussion on the first 2 topics, payment was made with the representative, since they were not able to fix the online payment solution. Phone record show phone call ending on XXXX XXXX 2 : Another call was made XXXX XXXX XX/XX/XXXX 2a : This time was with an automated message to confirm that payment cleared and the new balance should be XXXX. The automated message was audio recorded to confirm XXXX balance 3 : Noticed no balance was withdrawn and called to XXXX XXXX XX/XX/XXXX to investigate 3a : They noted that they were not able to withdraw the funds because the account number was incorrect.
3c : They also noted that they already had my bank account information on file ( which was used for automatic payments so far ) and they would've used that one. I mentioned this shouldn't be my fault given the bank 's mistake.
3d : They noted that a letter was drafted to be sent out on XX/XX/XXXX and that notice was provided of payment Issue. XX/XX/XXXX was when new interest and fees were charged.
3e : I was escalated to a manager and she claimed that I've called 5 times on XX/XX/XXXX and I must have used automated payment service on the 3rd to 5th call.
3f : Her claim was that I've used the automated payment service and entered the wrong account 3g : My phone call shows two calls were made. No evidence of 3rd/4th/5th call.
3h : Their record shows payment was made at XXXXXXXX XXXX The phone call record shows that the call with the agent lasted to XXXXXXXX XXXX
General Note : 1 : Agents overall gave conflicting information and records throughout the call and forbade me from recording the call.
2 : Overall quality of the agents seemed to be poorly trained as they had to take time to figure out how to process simple requests and questions.
Complaint 2 : Provided False info that Promo 0 % would not expire on XXXX and changed terms so that 20 months 0 % promo would expire in 16 months 1 : My previous note indicates I should have 20 months 0 % interest charge 1a : I called the bank previously to confirm and they assured me that 0 % should be in effect in XXXX.
2 : At the same time, they disabled my online access. I've called numerous times to fix the issue, but Capital One gave me runarounds. Having me submit documents, etc, and later telling me that they were not able to help me.
2a : On XX/XX/XXXX, I've found that the bank expired promo 0 % interest in XXXX and already charged me interest for that month. I've called XXXX XXXX.
2b : Bank noted at first that 0 % promotion was only 12 months. They later corrected and said it was 16 months. I mention to them it was 20 months when I signed on.
( it seems very common that the bank employees would have incorrect info and conflicting information, but would decline to fix the issue ) Overall it seems very clear that the bank is acting in bad faith as they are determined to refuse any claim before even getting the correct details.
After they disabled my online access, they have not sent any statements, emails, or balance info, making things more difficult in general.
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03/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Important to note that correct disposition may not be associated with respect to a former account backed by Capital One ending in XXXX. Please review the details listed herein to determine appropriate routing.
I held a card backed by Capital One from XXXX to XXXX during which time I was more than satisfied with the service. My concern are three prong and has been presented throughout several forums and platforms prior with no definitive direction in terms of a resolution to specific concern of mine.
1st and foremost I lost my wallet years ago for which a police report was provided long ago. In response to such i closed all corresponding accounts associated with cards onhand and replaced Identification card. When advising reps my online portal was locked for security.
2nd - I apparently had both advancement payments and/or auto payments scheduled that were unable to be stopped. Capital one advised at that time that they were unable to stop or change pending payments or account specific details and that i would have to let any and all payments exhaust their course for which I did. They rewarded me for listening by closing my account citing returned payment ( s ) despite such correspondence and assertions by their team members.
3rd- when inquiring as to reopening the account initial assertions were that it was escalated to be reopened they then pivoted to this will not be reopened reapply. During pre-qualification it presented me with denial status of former account. Initially they advised to wait 6 months then try i did and nothing. Service Supervisors then advised there is a code appearing preventing me from reopening that should not be and that once I verified my identity with fraud prevention all would be well the code removed and then I could reapply I spoke to over 8 members of that department on separate dates and was advised that they have no idea what i am talking about with regards to any code and i was not the first that was transferred to them they have no idea what is going on there is nothing on my account oncesoever that would prevent me from reapplying either way.
I sent the screenshot it was escalated again stating there are no issues with the account I again requested account to be reopened over 11 times they kept denying without cause as again had i not misplaced my wallet and had to closed information that could have likely been compromises and i not been misinformed by several reps i would have never had a return. Also important to note I have been paying on the balance they stuck with me with little regard to the catastrophic impact this would have upon my families overall finances by closing the account and all utilization. I have not missed a payment since despite them closing and a world pandemic. I typically pay early and often via debit with a rep.
2 years later I still cant make payments through online portal which I find highly ironic considering this problem was present at the very time that they closed my account and has never been corrected making half of their claim non accurate. They also respond citing 3 accounts when i have only ever had 2 credit cards with capital one in my existence one of which was paid off a year ago and also closed as a result of this and the card listed herein. Company also repeatedly violated a written cease and desist sent to them at XXXX, XXXX, USPS and through certified mail and doubled down by not only contacting me but through Certified Mail banging on my door which I didnt appreciate. TO BE CLEAR I DO NOT WANT A WRITTEN CONTACT OF ANY KIND ESPECIALLY NOT CERTIFIED. I JUST WANT THE OPPORTUNITY TO RESTORE MY PRIVILEGES WITH YOUR ORGANIZATION AND ANY INACCURATE OR OUTDATED INFORMATION REMOVED FROM MY PROFILE. I AM BEING BLACKLISTED FROM EVEN DOING BUSINESS WITH YOU YET YOU DONT HAVE A PROBLEM STIFFING ME FOR XXXX FOR AN AUTO LOAN
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04/25/2016 |
Yes |
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Web |
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Approximately twelve years ago my mother added me as an authorized user on her Kohl 's credit card account so I could start building a positive credit history. I remained on her account for approximately two years. During that time I actively and responsibly used my Kohl 's credit card ( I never missed a payment or accrued interest during that time due to paying the amounts owed in full each month ). XX/XX/XXXX my mother called the Kohl 's credit card department with the intention of simply verifying that I was no longer associated with her account, as I stopped being an authorized user approximately ten years ago. There was a miscommunication between my mother and the customer service staff person that resulted in the staff person thinking I was never an authorized user on the account and taking action to make sure a letter would be sent to clear any and all credit history I had through Kohl 's. That letter was sent to the XXXX credit reporting agencies and my complete credit history through Kohl 's was deleted. This action was not what my mother intended and the letter that was sent was done so based on inaccurate information, as I did indeed have a credit card through Kohl 's. Prior to the letter being sent, the information on my credit report was accurate. After the letter was sent, however, my credit report changed drastically in a negative way and it no longer reflects accurate information. Specifically as a result of the letter, the Kohl 's credit card is no longer listed as one of my closed accounts and does not appear anywhere on the report. Additionally, my first line of credit has decreased from beginning 12 years ago to 9 years ago ( the Kohl 's credit card was my first line of credit ). And finally, my credit score decreased XXXX points as a result. A supervisor in the Kohl 's credit card department agreed to work on providing me with all the information pertaining to my time as an authorized user on the account and contacting the XXXX credit reporting agencies to inform them that the letter was mistakenly mailed to them and my information needs to be returned to the previous ( correct ) status. I received a voicemail several days ago from the supervisor stating that a letter was mailed to my mother 's house with the dates I was an authorized user on the account and that he was still working on having that information provided to the XXXX credit reporting agencies. I was very pleased with this information because I assumed the correct account information was located and that my credit report information would be corrected. I then received the letter and immediately saw that the dates on the letter are inaccurate. The letter states that I was added as an authorized user on my mother 's account on XXXX XXXX, XXXX and then removed on XXXX XXXX, XXXX. Due to this information not being correct, I do not want it to be provided to the XXXX credit reporting agencies. I am looking for Kohl 's to contact the XXXX credit reporting agencies to explain that they mistakenly mailed the letter requesting my Kohl 's tradeline be removed and to explain that the information prior to the letter being sent was accurate so that my credit report can return to its previous ( correct ) status. At the very least, I do not want Kohl 's to once again mail an inaccurate letter to the XXXX credit reporting agencies, as by doing this they will harm my credit report even further. Since this situation is causing me such extreme distress, I would like to express my concern regarding Kohl 's practices, which go beyond negligence ; first, a staff person mailed an inaccurate, detrimental letter to the XXXX credit reporting agencies without my knowledge and without checking records to verify whether the information was correct and now they are providing false information about the time during which I was an authorized user.
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04/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I signed up for the Capital One Savor credit card in XX/XX/XXXX. The promotion at the time was " spend {$3000.00} within your first 3 months and receive {$300.00} back. '' I can't find the exact language because it's not posted online, nor has Capital One been willing to share the original terms of the promotion with me.
My account opened XX/XX/XXXX. I received the credit card in the mail 7-10 business days later. My first transaction date was XX/XX/XXXX.
My XX/XX/XXXX to XX/XX/XXXX billing statement transactional total was {$110.00} My XX/XX/XXXX to XX/XX/XXXX billing statement transaction total was {$1700.00} My XX/XX/XXXX to XX/XX/XXXX billing statement transaction total was {$1000.00} I had a XX/XX/XXXX transaction of {$49.00} I had a XX/XX/XXXX transaction of {$61.00} 90 days after my account opening on XX/XX/XXXX is XX/XX/XXXX 90 days after I first received the card in the mail on XX/XX/XXXX is XX/XX/XXXX When I didn't receive the {$300.00} back as a statement credit, I called Capital One on XX/XX/XXXX. The customer service representative said they'd need to escalate my case and file a petition on my behalf with the department that handles petitions for promotional cases. A few business days later, I missed a call from the Capital One petition department. The voicemail said to call back the Capital One customer service number to learn the results of my case. I called the number and was told my case was denied. When I asked to be sent what was written on my behalf to the petition department so I could ensure my case was properly presented to them, the representative said they couldn't share it with me. When I asked why my case was denied, the rep said I hadn't spent {$3000.00} in 90 days. I stated that the Capital One promotional offer terms were confusing. I asked, Did I need to spend $ XXXX in 90 days, in 3 months, or in 3 billing cycles? I asked, When does the clock start for calculating transaction totals? When I opened the account? When I got the card in the mail? When I activated the card? The rep said that the clock starts the day the account is opened and that I did not spend $ XXXX within 90 days of that date ( XX/XX/XXXX ). I told the rep those terms were unclear to me. I asked for the original terms to be shared with me and was told that wasn't possible. I said it's misleading because how can I begin to spend money toward the $ XXXX transactional total if I don't have the card in my possession. I told the rep that Capital One was setting customers up to not reach the $ XXXX mark because the clock starts sooner than customers have the card in their permission and sooner than customers are made aware of. I asked that my case be re-presented to the petition department. I was told this wasnt possible. I asked to speak to the petition department. I was told the department is only capable of outgoing calls. I asked to speak with the reps supervisor. The supervisor said he was the highest possible person to speak with about my issue. He reiterated that I couldnt petition again and that I couldnt be put in touch with the department that made the decision to deny my petition. I reiterated the misleading advertising and terms from Capital One regarding this promotion. The supervisor said there was nothing further that could be done about it. He stated I had spent {$2900.00} in 90 days from the account opening. I stated I had spent {$3000.00} in 90 days from receiving the card in the mail and activating the card the day I received it. I asked him to review and share with me the original terms of the promotion. He said he was unable to do so. I should have received {$300.00} back from Capital One because I spent more than $ XXXX within 90 days of receiving my credit card in the mail. They did not give me any money back because I spent less than $ XXXX within 90 days of the account opening.
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09/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2019 To Whom It May Concern : I would like to file a complaint against Capital One credit card company.
On XX/XX/2019 I made a telephone order purchase for a circulation product from a company called XXXX XXXX.
At the time that I made the purchase I was only supposed to be charged for the shipping and handling to receive the product, and that was supposed to be {$24.00}.
As well as, at the time of purchase I was told that I could return the product for a full refund if I was not satisfied with my purchase.
I later learned after reviewing my statement that I was not initially charged the {$24.00} that I was supposed to be charged for the initial purchase ; instead XXXX XXXX company charged my credit card for the amount of {$89.00}, which I did not authorize, nor did I know about.
I received the product, and I was not happy with it, it did not provide the service that I was told that it would do, I contacted XXXX XXXX company on XX/XX/2019 letting them know that I was not happy with the product, and I wanted to return it to them for my full refund.
They provided me with a return authorization number of # XXXX, and I returned their product back to them, and by the tracking they received their merchandise back on XX/XX/2019.
XXXX XXXX company was not supposed to make any further charges onto my credit card, but although they knew that the merchandise was being returned back to them, they charged my credit card an additional {$49.00}, that I knew nothing about, and did not authorize.
I contacted Capital One on XX/XX/2019 to complain about all of the unauthorized charges that were placed onto my credit card account by XXXX XXXX company ; they assigned my complaint case number # XXXX.
Capital One instead of correcting my account, and crediting my account for ( ALL ) of the unauthorized money that I should not have been charged by XXXX XXXX company, Capital One is now claiming that XXXX XXXX credited me back the unauthorized charge of {$49.00} on XX/XX/2019, and what Capital one is also doing on both of my statements for ( XX/XX/2019 to XX/XX/2019 XXXX and my statement for ( XX/XX/2019 to XX/XX/2019 ) they have placed the same {$49.00} transaction with the same the same transaction date, and they are now trying to claim that XXXX XXXX credited my account twice on XX/XX/2019 with a credit for {$49.00}, and this is not true.
Capital One has not credited my credit card account with the right amount of refund that I should have been credited back ; and they are allowing XXXX XXXX company to cheat me.
As stated previously, I should not have been charged any part of that {$49.00} that, that cheating thieving merchant charged to my credit card account, because they knew that their merchandise was on its way back to them.
And the initial {$89.00} that XXXX XXXX company charged to my credit card account, that was an unauthorized charge as well ; I did not know that this is what they were charging me when I placed the order.
The invoice from XXXX XXXX, that I am providing with my complaint, this is the slip that came to me when I received the merchandise.
Capital One has claimed that they gave my account a {$89.00} credit, and they are now taking it back, according to the letter they sent to me dated XX/XX/2019.
And the way I see it, XXXX XXXX did not refund the {$49.00} that they charged to my account twice.
XXXX XXXX company was supposed to refund {$49.00} that they took on XX/XX/2019, as well as the {$89.00} that I did not authorize on XX/XX/2019, I dont remember them telling me that, that is what I was to pay for that order up front.
So now my credit card account is still fraudulently not being credit back the {$89.00} that I should have been refunded by the merchant. And Capital One is refusing to credit my account back the money that I am wrongfully being cheated out of.
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11/05/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX at XXXX I went to the XXXX XXXX Branch of Capital One Bank, where I have XXXX or more accounts : XXXX personal and XXXX business. I wanted to send a wire and check my balances. I was asked if I needed to update my information, which I did ( address and tel numbers ) on XXXX of my accounts. I was told that " I have to sign the change forms '', which I did. Afterward, I asked to get a copy of all the documents that I signed, and I was told that I could not have the copies. It was explained by more than XXXX employee, including the manger of the branch, that the policy forbids that they release those " internal '' forms to me. I explained that as soon as my signature was required, and I signed the form, that whether they considered them " internal '' or not, I was entitled to copies of my own documents that contained my signature. 3+hours later, I was told that the district manager would contact me, which she did. In the meantime, and since that time I still do not have copies of the forms that I signed, even though I requested them at each step.
1. I have asked or a copy of the policy or policies that explain ( s ) the bank 's position on refusing to provide copies of forms signed by a customer of Capital One to said customer after he signs them.
2. Though I was repeatedly told at the branch that this is " the policy '' I have been given no straight, unequivocal answer as to whether such a policy exists ; nor have I been told that the bank will provide me with that or any other explanation as to why their address forms or any other documents which contain my signature may not be provided to me.
3. I have been told that, according to the " office of the President '' of Capital One bank, and " XXXX '' who works in that department, that " there are no disclosures '' that delineate the policy regarding the bank 's refusal to provide copies to the client of forms he just signed, but that any details about such policies as well as whether they exist is an " internal '' issue.
4. The answer in # XXXX is an example of the doublespeak and equivocation that I am describing : " no disclosures '' in my understanding means no approved public material that the bank will release to explain their policy. That does NOT answer the question as to whether the bank is taking the position that they flatly refuse to make copies of a client 's signature and give it to him as part of ANY FORM that he signed.
5. Another example is when I was told that " if I want help from '' the office of the president that I 'm going to have to be specific about the " documents that I am requesting. '' I told them that " any form that has my signature on it '' are the forms that I am requesting in my particular case, but also:6. Because apparently the bank has a POLICY to refuse copies of client-signed documents to the client who signed them / this is a larger issue than just my particular case : The POLICIES as Well.
7. I repeatedly suggested that if the bank would simply provide me their policy which explains how and when they refuse copies to clients, or the REGULATIONS from the OCC or the FED that creates an exception to the obvious logical position that any responsible company or person would provide such copies, I would happily go on about my business.
8. In the meantime, I have no answers, nor do I have copies of the policies that I requested nor copies of paperwork with my signature, which I requested over 24 hours ago. ( XX/XX/2015 at XXXX is the current time. ) 9. The bank has created XXXX case numbers related to my inquiries /complaints : a. ( I do n't see this in my notes now ; will update later. ) b. XXXX. I have dealt with : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX branch in XXXX XXXX, XXXX XXXX XXXX, Regional Manager -- XXXX XXXX XXXX XXXX, XXXX XXXX, Office of the President, XXXX XXXX " Escalations Dept ''
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02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been a loyal card member of Capital One for 2 years and couldnt be happier with my decision to join the Capital One Family. Youve always offered some of the most competitive rates and rewards programs.
Unfortunately, in XXXX of XXXX I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in XX/XX/XXXX to find out what I can do to make my relationship better with Capital One and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privileges for using the card issued again. The amount that she asked for was {$420.00} I believe. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with Capital one. I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and Capital One has only fulfilled half of their agreement with me.
In XXXX, when I pulled my credit I noticed that the late payments were still on there so I call on XX/XX/XXXX and spoke to XXXX which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On XX/XX/XXXX I received a letter from capital one letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with XXXX ( which was a XXXX ) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that XXXX proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On XX/XX/XXXX I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the Capital One Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to XXXX. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now. I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are XXXX XXXX XX/XX/XXXX. I paid in full in XXXX when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that Capital One believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.
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12/14/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Before signing up with this Capital One card, I was promised 'double miles ' for my purchases and was explained to exactly how their credit card point system operated.
They said if I charged {$100000.00} on the card, I would receive XXXX points and the XXXX points could then be redeemed for {$2000.00} in airline tickets for example.
I was concerned that something could happen with the points and asked the man on the phone if there was any way that I could ever lose these points and he reassured me that I would 'never ever lose the points ' as long as I kept my card in good standing on my end.
I had over XXXX points and was planning on redeeming them for $ XXXX towards an airline ticket as they reassured me I could do with my points at anytime, as long as I kept my card in good standing.
To my surprise, this XXXX, Capital One canceled my card, for no reason at all and absolutely nothing I did on my end and defrauded me for over {$1300.00} by only giving me half the value of my points.
I had enough points that they absolutely promised on the phone and reassured me that I would never lose to deduct a {$2700.00} plane ticket I was planning to purchase and they left me with {$1300.00}, defrauding me out of {$1300.00} in earned points.
After this happened, I then called up the new client department and once again asked : " If I become a Capital One card holder, is there anything that will cause my points to be devalued or will I lose the full value of my points for any reason? '' I was reassured once again on the phone, as long as I kept my account in good standing that I would never lose my points and they would retain the full value as promised.
Capital One is defrauding high point clients by waiting until they rack up hundreds of thousands of points and then canceling the accounts without notice, thus defrauding their cardholders out of thousands of dollars in earned bonuses promised to them.
This is a serious fraudulent activity that may be impacting millions of card holders like me that are promised rewards and then when they try and cash them in, discover their card is canceled for nothing they did wrong and they lose half the value of their rewards.
Nothing in my legal history or anything about my history has changed since I signed up with a Capital One account. They used this as an excuse, although nothing has happened to me since I signed up with the card.
This is a serious issue of fraud on the part of Capitol One and they are making millions of dollars by defrauding high value point clients, by canceling their cards, keeping the annual yearly membership fee of the card and keeping the thousands of dollars in point value promised to clients.
They promised me and gave me their word I would never lose the value of my points as long as I kept my card in good standing and they lied. I was promised I could cash in my points for $ XXXX and they then canceled my account and paid out half of this amount.
I want them to stick to their word and allow me to utilize the full value of my rewards and not simply think it is acceptable to cancel my card for nothing I did wrong on my end and give me half the amount of my reward, causing me to be defrauded out of thousands of dollars in lost rewards I was promised, I would never lose as long as I kept my account in good standing, as to which I did.
They promised me I would never lose the value of my points if I kept my account in good standing and they are STILL telling this fraudulent claim to new clients in order to get them to sign up with them.. Only so they can eventually cancel their card, defrauding clients like me out of thousands of dollars promised to them in rewards earnings.
This is absolutely unacceptable and I want to know why Capital One is defrauding clients by telling them this will never happen and then doing exac
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04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My identity was stolen by XXXX XXXX XXXX & XXXX XXXX XXXX XXXX there were fraudulent items on my report which I have several police reports for. Since XXXX, XXXX, XXXX, and XXXX have placed items on my report that have no belonged to me due to identity theft that has been reported time and time again.
I also requested that the bureaus remove the sensitive information that they are illegally selling to third parties as I NEVER gave them permission to store my information.
These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account number XXXX, am submitting this written notice of a billing error pursuant to 15 U.S. Code 45 1666 ( a ). It has come to my attention that XXXX XXXX XXXX XXXX and XXXX XXXX has been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX have also furnished deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. The statements always arrive with a positive balance being reflected on the right side of the ledge, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ). The account with XXXX XXXX XXXX XXXX was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States XXXX XXXX XXXX XXXX XXXX furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961.
XXXX XXXX Credit XXXX granted account number XXXX a credit line increase to a $ XXXX limit from the previous $ XXXX yet this was not reflected in any report.
Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due. I ask that XXXX XXXX XXXX XXXX make amends and provide me a non-equitable relief for my current account or new one created. In addition, I ask that XXXX XXXX XXXX XXXX make amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to XXXX, XXXX, XXXX, and XXXX.
BE IT KNOWN : The green return receipt returned to me evidences a Common Law-contract between us under the Postal rule, which states : " The Postal Rule ( also known as the mailbox rule or " depositing acceptance rule '' ) is a term of common law contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium of acceptance. The general principle is that a contract is formed when acceptance is communicated to the offerer. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepared and properly addressed letter of acceptance is posted. One rationale given for the right is that the offerer nominates the post office as implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. Also a LOST OR DESTROYED PAYMENT is not my responsibility and should be treated as accepted per UCC 3-312.
I will hesitantly do business with XXXX XXXX XXXX XXXX moving forward and would like my bill to be put into an auto pay status and no adverse action be taken against me. This communication also serves to inform you that I will be endorsing the coupons sent to my domicile as accepted for value of alleged debt. I look forward to XXXX XXXX XXXX XXXX correcting the error in billing within seven ( 7 ) days and providing me with a speedy remedy to this issue.
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09/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
I am a customer at Capital One bank, XXXX XXXX XXXX. I have had this account for over 3 years now. I have been waiting on a settlement check from an auito accident back in 2017. I planned on using this amount ( XXXX ) to pay credit cards off and mortgage payment, ; and also a lawyer for a divorce i an going though.
I had stopped using this account last year due to excessive overdraft fees imposed by cap one. ( XXXX fees at XXXX each ). for XXXX check i thought I cashed already. I talked to cap one, but they would not remove only XXXX. So I did not use that account. Until this past week when I needed to deposit the check i got for the settlement.
I had tried other banks, but it was too large. So i tried XXXX, and it took it. and it was put on hold as i expected it would be. Then within the next couple of days I showed {$5000.00} available. Then the next couple days I paid bills with the available amount. This was on XXXX - XXXX I paid XXXX different bills. and my XXXX that i held off until i got this check.
After the weekend i had not noticed the balance changing. I thought maybe becasue iof the weekend that come this week they would start being paid. On Tuesday -* Wednesday, still no change. So i tried using the debit card for that account., it was declined. That wast the first time I really figured there was something was wrong. So i called XXXX XXXX. At first they told me everything looked good and should work. Then they took a closser look. They came back to me and said my account had been charged off? What? First i have heard? So ok whats the fix, it shows my full amount available.? and i have payments going thru? Then I was told the account was restricted? What? why? and how come I didn't know? and why did it accept my check and show available? Plus they deducted the amount for the overdraft from last year!! and I still have not access to my funds, and payments are not being returned for NSF, with associated fees!! f plus a mark on my credit score for being late.
XXXX XXXX tells me the only thing they can do is to issued a paper check back minus the NSF fees. and that will take XXXX to XXXX business days. so i have to wait to make all of these other accounts right, pay my mortgage, etc oh yeah and EAT! Now i have no money and i am out the fees they had already charged off. over {$250.00}. I asked them to open a new account and put money into that. Nope cant do that, have to send a check that is it. no matter who i spoke to, cold, uncaring and reverted back to fine print policy. over and over., I am so frustrated and angry at what they have done to me. and I am just supposed to sit here and be good with all of it. No. They have been unfair to m, e as a consumer. that check should have never been accepted in the first place. especially if it had been charged off, but not closed? And then proceed to show the amount available with a little green dot next to my debit card showing it was all good to go.
This cant be right? I asked them if they are going to pay for al lof the fees that will ge the results of this. yeah right. Thats it. I am sitting here waiting on a check so i can try and right this ship/. but Cap One should not be able to do this to a consumer. and then basically tell you tough luck, nothing you can do about it!! this is so wrong. I am at my wits end dealing with this and all of the phone calls now coming from the returned payments! Plus with the divorce i am having to XXXX my house to pay off my soon to be ex her portion of the house to finalize the divorce. now with this, my current mortgage payment will be late and affect my credit score and possibly nixing my refi chances and that opens up a whole other can of financial mess..
This should have never been allowed to happen. if the account was restricted and charged off, it should not have been accepting deposits.
|
04/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
I scheduled a payment from my XXXX XXXX XXXX checking account to PAY my Capital One Quick Silver account.
The payment was scheduled for XX/XX/XXXX and settled on XX/XX/XXXX.
I wanted to make a larger payment than usual, typically they are under {$1000.00}, but since we are trying to buy a house and apply for a mortgage I thought it best to clear up some of this card 's {$12000.00} balance. In my haste, intending to pay the card {$3200.00} I keyed in {$32000.00}. An alert hit my XXXX XXXX XXXX account on the morning XX/XX/XXXX that my account was overdrawn by {$640.00}. It seemed impossible as I have XXXX in the account.
I logged in and saw the error and immediately called XXXX XXXX XXXX. They stated they could not really do anything because the payment was " In Process '' but should be rejected because there was a negative balance in my account. I explained the neg balance was caused by this ELECTRONIC payment being sent to Capital One. XXXX XXXX XXXX XXXXXXXX said to call back on the very slim chance that it is not rejected but It may take 1 or 2 business days to see the funds back in the account.
I was assured again by a team member at XXXX and the bill pay department that it would be rejected, Not entirely confident in the answer I called Capital One - XXXX in XXXX said they could not yet see the payment but would note the account. XXXX was polite and concerned but wasn't sure what to do in this instance and called her supervisor who said to call back tomorrow IF it settles and they will address it.
IT SETTLED - and I had a {$19000.00} credit in my account on XX/XX/XXXX with other bills pending to be paid in my account.
I called XXXX and again explained the problem now that the payment was not rejected and was settled at Capital One.
XXXX from XXXX bill pay dept called Capital One and the team member XXXX could see the payment in the account and was willing to assist. Just as she was getting my routing information we were disconnected.
We called back and spoke to I BELIEVE XXXX had XXXX interest in assisting us and said that they would cut me a check in XXXX - XXXX billing cycles.
XXXX and I both said that's impossible. She was quite abrupt stating that is how it works. I said NO it does not. It was an electronic payment the money has already been settled. She would not pass me to a supervisor or another team member. We'd have to call the Specialty Dept tomorrow but that is the same resolution they will give. I said I have a large savings account with Capital One, can they please transfer the funds there if it would be easier and I would get it back into my XXXX account? XXXX just kept saying, " That is not how this works. '' We hung up and XXXX at XXXX couldn't help me further.
I have to pay my mother 's quarterly taxes from that XXXX account and now it had {$3000.00} that I pulled from my saving account to cover a few payments.
I called Capital one again and spoke with XXXX who was willing to assist. She said that they would back out the entire transfer of {$32000.00} within XXXX business days, IF they couldn't they would send a letter stating they will mail a paper check at that time. I asked where would I get these communications and she said in my Capital One banking portal. I said. " Just send me the overage and it will be fine '' she said the specialty Dept felt it would be better to back out the entire transfer. That was on the evening of XX/XX/XXXX AS OF TODAY - XX/XX/XXXX.
The funds have not been returned.
They remain on the Capital One credit card with a negative balance of $ XXXX.
Capital One has not contacted me by phone or letter or portal message.
I had to move {$29000.00} to my XXXX checking account from a high-interest saving account, IRONICALLY at Capital One, in order to cover my bill payments and my mother 's taxes until whenever this money is returned.
|
04/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
Hello, I believe I was denied for a credit card that I qualify for. I applied for the Capital One Venture X credit card on XX/XX/22. On the applicated I stated my annual income as {$250000.00} ( XXXX is from my graduate student stipend, and XXXX through my husbands income ). Prior to submitting this application, I had not applied for a credit card in a few years, and my previous income on the last card I applied for and received was ~ {$80000.00}. The credit card company asked me to submit proof of income, and I provided three of my past bank statements, and three of my husbands past bank statements.
On XX/XX/22 I called Capital One to confirm if my documents I submitted were acceptable and was notified that if there were issues with the documents, they would reach out to me and ask me to submit additional documents. On XX/XX/22 I received an email from Capital One stating that the credit card was denied, without Capital one reaching out for additional income documentation. The reason for the denial was income is insufficient for amount of credit requested. I contacted them on XX/XX/22 to ask if it was because the documents I submitted were not approved, they notified me that they were unable to verify account ownership on three of the bank statements that I had submitted ( my husbands accounts ), and thus my credit card application was denied. I spoke with a senior application specialist ( I think that is what their title was ), who said that I could reupload documents to the same link showing proof of income and they would notify the reviewers to look at the application again. I proceeded to submit two of my student stipend income statements from the last two months, two of my husbands job income statements from the last two months, our marriage certificate, as well as a signed and dated letter from my husband stating his annual income and that it would be used to help pay for the credit card.
I called the next day on XX/XX/22 to confirm that they received the new documents I uploaded. They said that they had received the documents, but the documents were deleted from the queue as the application was denied and they didnt have a note to review it again. I asked to speak with a senior application specialist, who told me that they were able to locate the documents in the system and would notify the team to review the documents again. The next day on XX/XX/22, I received an email saying that the credit card was denied again for insufficient income. I reached back out to Capital One the same day as I believed I had proof of sufficient income and they told me that they would escalate the case to the management team and give me a call back. The specialist I spoke with on the call gave me her ID ( XXXX ) as confirmation that I should get a call back, as I had previously been told I would be receiving a call if my documents were insufficient, and I never got a call.
I called again on Tuesday XX/XX/22 to ask when I would be receiving a call back. The person I spoke with told me that they dont have any sort of internal call back system and I will not be receiving any sort of call back from capital one. They did have me speak with a senior supervisor who told me that my second application was denied because they didnt review the additional documents I submitted. They said they would send in a request again to have the new documents reviewed again.
On XX/XX/22 I called Capital One to check on the application status. They told me the application was denied again on XX/XX/22, however, I did not receive any notifications this time.
I believe my application was denied despite qualifying for the credit card or the reason for the credit card denial was not due to not being able to verify my income like I was told by the application specialist.
Thank you for taking the time to review my complaint.
|
10/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/2022, I purchased a XXXXXXXX XXXX XXXX XXXX receiver from XXXX XXXX ( the merchant ) via their website for {$360.00}. The condition was used, but listed in Excellent condition. On the merchants website, an item in Excellent condition includes all original parts/accessories.
I received the item on XX/XX/2022. Upon opening the box, I discovered that the remote control was not included as well as the instruction manual, plus various other cables and plugs. The absence of these items, especially the remote control, drops this item from Excellent condition to Fair. The remote control is a vital accessory since most of the items functions can only be accessed using it.
I contacted XXXX XXXX on XX/XX/2022 at XXXX XXXX XXXX to inform them about the missing remote control. I was told that nobody could help me, but to call them again the next day. I contacted them again on XX/XX/2022 at XXXX XXXX XXXX when I was transferred to another department who also informed me they could not help me, but told me that yet another department would contact me. I was contacted on XX/XX/2022 at XXXX XXXX XXXX but the new department informed me they couldnt help and referred me yet again. Finally, I was contacted on XX/XX/2022 at XXXX XXXX XXXX by the new referral, who then referred me again. At that point, I had been transferred or referred six ( 6 ) times and with no assistance whatsoever. I asked the final person whether he could help, and he responded that he could not, but would refer me to another department ( for the seventh ( 7th ) time ). At that point, I hung up the phone and opened the dispute ( case # XXXX ) with my credit card company ( Capital One ) via their website.
The dispute is for a {$70.00} charge, which is roughly the price difference between the item in Excellent condition and the same item in Fair condition. The remote control alone will cost {$43.00} to replace.
On XX/XX/2022, Capital One closed the dispute stating that the merchant has sent the item and proving it with a XXXX tracking number. Of course, the receipt of the item was never in dispute, only the specific contents of the box. Capital One did not try to contact me for more information or ask for further clarification before closing the case.
On XX/XX/2022, I contacted Capital One to get more information. It was at that time I was informed that the case had been closed, but was provided a link to submit additional documentation. The nature of this documentation was only vaguely defined, so I provided a copy of the sales receipt and a listing of the descriptions of what should have been included in the various conditions of the item ( i.e.- " Excellent '', " Good '', " fair '', etc. ).
On XX/XX/2022, Capital One responded with a request for additional information and gave me a date of XX/XX/2022 to respond. Again, the request was vaguely worded. I began to provide some additional documentation on XX/XX/2022, but while uploading I received a letter from Capital One closing my dispute case due to lack of additional documentation.
I decided to contact them via phone on XX/XX/2022 at XXXX XXXX XXXX. I asked to be escalated to a manager and spoke to XXXX. XXXX explained exactly what was required, which was an item listing from another retailer showing the same product and that it included the missing items. He also said to ignore the previous letter closing the dispute as that was " part of the process ''.
On XX/XX/2022, I provided two ( 2 ) website listings from rival retailers showing the exact same product and that it did include the remote control and other missing items.
On XX/XX/2022, Capital One closed the dispute case yet again, citing a lack of the correct type of documentation.
At this point, I have no clear idea of what Capital One is looking for, and their customer service is of no help at all.
|
09/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Today, XXXX XXXX, XXXX, I received an email for a credit monitoring alert from XXXX XXXX indicating I went over my credit limit. I had not used my card recently so I contacted via my cell phone Capital One immediately to find out and resolve the issue. The call was made at XXXX ( XXXX XXXX XXXX XXXX. Once one the phone with the representative I found out that issue was with my XXXX card. I spoke with agent ID # XXXX and he informed me that the reason my account went over the limit is due to my yearly membership fee of {$39.00} was billed to my account. I informed him that I was not aware of the {$39.00} yearly fee and I would gladly pay the {$39.00} fee to have the over my credit limit on my account reversed/rectified. He took my payment over the phone but was not sure what I was requesting of him, therefore I asked to speak to a supervisor, waited a while but I was finally connected with XXXX who is a account supervisor ( Agent ID # XXXX ). I explained to her that I was unaware of the {$39.00} that was going to be charged to me. She said it was on my bill on month prior to it charged. I told her I do n't look at my bill, when I login to Capital One as I have 3 accounts with them auto, XXXX XXXX and XXXX it populates all 3 on the main screen and shows the balance and due dates. So I am timely on my payments and use this to stay on top of my finances. I explained to her that I have been very responsible with my payments and my intention was to pay off my entire balance in 2 weeks. Since I knew I would be paying off my card to bring it back to a XXXX balance I did not worry about the current balance since I knew I would be paying it off soon which I have done several times in the past. I explained to her that I am currently working on consolidating and paying off my debts and any negative remarks such as this reporting over the limit would hurt my credit and damage the potential of my goal of refinancing and reducing my debt. The over limit charge was not done as something I had done intentionally by purchasing items knowingly over my limit, it was something that was done on behalf of Capital One and their fees. I expressed how much this meant to me and I had hoped by me paying the {$39.00} membership fee immediately that she could rectify the issue and reverse the over the limit item currently reporting on my credit. She had a pesky attitude from the beginning and bothered but I maintained my composure and professional manner. She put me on hold and came back in a few seconds and told me since fee was on my past statement that she would not rectify the reporting of the over the limit fee on my credit. She completely refused and as she said it, it seemed as she took pleasure out of knowing it was hurting me and having the power to say no and see me hurting. I begged and when she continued to deny I told her that I would then need her name and agent ID # and the representative that handled the call prior to forwarding to her. She told me that she did not have his name but provided me his agent ID number. I told her that I was left with no choice to file a formal complaint. She told me good luck!!! I 'm very surprised that I was treated in this manner as Capital One has always been very helpful in my regular experience with them that is why I added so many of their products to my credit portfolio. I have never asked anything from them and credit card companies such as Capital One are to be there for the customer and to help them build credit not destroy it. I ca n't believe how much pleasure XXXX took hearing me in despair. My hope with reaching out today is to resolve this issue with the correct channel to rectify my situation and allow me to continue having good credit and not doom my intention to lower my debt as explained above. Please help. The total time spent on the call was 30 minutes.
|
09/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
I received XXXX settlement offers in the mail from XXXX attempting to collect a debt for Capital One. I looked into some of my options and was informed that due to living in Maine my husband was able to handle my credit information and discuss matters on my behalf. After hearing this information, my husband called and spoke with a representitive from XXXX who divulged all of my information without hesitation. One of the things that was mentioned in this conversation was that my husband was hoping to settle this matter in an attempt to avoid consulting a bankruptcy attorney. They were unable to come to an agreement on a settlement. My husband then called days later in an attempt to pay the settlement offer I received in the mail and was told that XXXX no longer had my account. They stated that because an attorney was mentioned they sent the account back to Capital One. My husband then contacted Capital One and spoke with three different representitives in three separate departments. Two out of the three representatives told XXXX ( my husband ) that they could not discuss any information with him because he was not listed on the account. The other person divulged my account information without hesitation. My husband explained that he had already been given my account information and explained what we had been told about the law in Maine regarding spouses. Both then divulged all of my information to him but were unable to discuss any settlement options because there was an attorney listed on the account and transferred him to the Recovery department where he dealt with the same issue and was put on the line with a supervisor in the recovery department named XXXX in Virginia with an ID XXXX. XXXX was extremely rude and abrasive and was not helpful in any way. XXXX explained that she could not give my husband any information regarding my account due to him not being listed as a user on the account then after divulging some of my information including account numbers and balances she stated to my husband that the reason she could not discuss any information with him was due to the attorney listed on the account. She stated that there was a specific attorney listed on the account but could not give his name but stated multiple times that there was a specific name listed as an attorney. My husband knew that this was not true due to him being the only person that has had any communication with Capital One or XXXX on my behalf and has never listed an attorney nor have either of us ever stated that we had retained an attorney or were going to retain an attorney. The only mention was my husband stated he want to resolve the settlement instead of consulting an attorney. I personally have called Capital One twice since these conversations took place in an attempt to remove any such attorney and settle the debt. Capital One have continued to make it extremely hard to resolve this issue. Both phone calls I have placed have proven to be unhelpful. I have been told that the person I spoke to could not view all of my accounts nor could he discuss any settlements despite not seeing any attorney listed and was unable to transfer me to the recovery department because they have limited hours that they are available. I have been placed for a call back from them twice and have yet to receive one yet. I do not know what else I can do to resolve this issue. I have spent countless hours over the last two months attempting to resolve this matter only to be left feeling helpless and taken advantage of. I have never had any issues feeling this way before but this is a very real situation that has been horrible and all I want is for it to be over with. I truly believe they are attempting to target me and keep me from moving forward in my life without their agency. I appreciate anything that you can do to help with this.
|
03/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real Land North America ( FINAL JUDICIAL NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , VA XXXX Account Number : CAPITAL ONE JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA 5. proof of the last payment made on the account.
6. Itemized statement of charges.
7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
|
05/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
I am from NC, however the person who sought to improve their credit through applying for credit cards in my name without my knowledge and consent has lied and not turned over cards. They have managed to become online at home and if it serves well, this lady was my fiance. She has wasted my time with lies, and because of the information that has been collected by her, she has avoided investigation. First, she sought to establish trust by giving me a credit card on XXXX as a gift with a XXXX dollar spending limit. Then after years passed I received a call from the company. They reported to me that I was behind on payment. I told them I wasn't responsible for that type of card. They came with the details. They said, " even though you didn't open the line of credit you are still responsible. I then told them to hold an called my " at that time girlfriend ". She answered and ending the conversation with the company XXXX XXXX XXXX she gave an update to her many accounts ( as I can say for the number of cards I ran across during our time as a couple ). The conversation ended. I kept receiving calls from XXXX but I would route them to call her. I did not ask for a credit card, I was fine prior to. Forwarding years down the road, I signed up for XXXX XXXX. As a barber apprentice I had to establish my own do 's and dont 's regarding credit. I found hard inquiries and soft inquiries. I went to find why. There had been 2 more cards that she had applying for without my knowledge. I began a rant for several months now. We share a child, we are having arguments, she is not being forthcoming, and I have landed here. I went to reconcile her back today about the dates and times she violated my trust. I ended up gathering the rest of my belongings and I still have a truck to get, but I left with a police escort. The dates of the XXXX card are as follows : XX/XX/2017. Not my consent Dates of XXXX XXXX : XX/XX/2017. Not my consent.
A XXXX card that she made me an authorized user on. Not my consent. Just passed it to me one day. I tried using it for anything over XXXX dollars which happened only once. Her mobile monitoring declined the transaction. I am fed up. I have been away from the home in which we shared for almost a year now. She is still traveling to other states, cities, and neighboring counties establishing proprietary things. I have been monitoring myself to save face today and hereafter. My concerns are high priority because I believe since I met her online I have been her victim for some time now. She didn't even have a NC license nor good credit when I met her. Now she's emboldened and running a non-profit organization plus her own business in the medical field. She worked for NC XXXX XXXX and is currently causing me problems in public, within my family, and with my daughter. I believe now that I have been her sought out victim since I had her advance towards me on the dating site called XXXX. I will not procrastinate any longer. I need closure plus extra security measures. I ask that this forum be mindful that I have done that same chain of command in my own state NC with the CFPB here. She is from your state Virginia. I request recoil, a thorough investigation into who she really is, and a plausible route to avoid any further financial problems. I thank you and hope to hear from you. And 1 more thing : In our argument today she always admitted her responsibility and did not remember how she got my SSN, family members info, nor recollected she had the current Capitol One card I asked her to turn over to me. She has a bigger following and I believe she also tracks my phone being that I am also a victim of her manipulating with a call from XXXX asking me which phone I wanted. Purely puzzled, I answered and I regret giving her the power she has. Again I thank you and hope to hear from you soon.
|
08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
This is a letter we sent to Capital one asking them to put a hold on our credit after sending all the information we had regarding the company failing to provide any documentation about repair and also sending conflicting emails and responses proving that they could be defrauding us. They told us their definition of fraud was different and they would not allow us to put a hold on the funds.
We feel as if this is our only hope of getting the rental car company to provide the truth about what repair was completed and provide us with a receipt so we can settle our insurance claims.
Capital One Transaction Support Center XXXX Case # XXXX To whom It may Concern : On XX/XX/2022 we rented a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We Used the car to visit various parts of XXXX. On XX/XX/2022 we started our day as usual. When we were 5 miles into our travels, the car died with no indication or warning lights and would not start again. We called the rental company. They transported a new vehicle to us. When they arrived on site the mechanic said, he thought the radiator had leaked and the engine seized. He stated, that we must have hit something which we were not aware of. No estimate or damages were given to us at this time and the car was towed away.
When we returned our replacement car to XXXX XXXX on XX/XX/2022 we were told the car was already in the shop being repaired and they estimated the damages to XXXX XXXX Krona or XXXX US dollars to replace the engine, radiator, and other brackets. We then put this amount on two credit cards. XXXX XXXX or {$9300.00} US Dollars on our Capital One Mastercard and XXXX XXXX or {$3100.00} US dollars on our Visa Card. It was necessary to split the two charges, because we were unsure we had enough credit on Mastercard to put the whole amount.
At this time, we asked them to send us a detailed report with photos and documentation of the charges from the repair shop so we could submit these charges to insurance. XXXX XXXX stated they would do so within 7-10 days.
We received by email a bill dated XXXX from the repair shop that was submitted to XXXX XXXX. The bill was written in XXXX. We asked XXXX to translate and the following work details were listed as follows : body on and off, Spare Parts, Other Materials, and Material from Stock. We responded to XXXX that none of these work details listed an engine or any specific parts and their cost? We told XXXX that this was no way adequate to justify what repairs had been carried out or would be adequate to justify or explain the damages. Also no pictures of the damage were provided.
When we asked XXXX about this lack of information, XXXX responded that the garage always provided this kind of receipt and the car was already rented so we would have to wait until it returned to provide pictures. XXXX stated they would try and get a more detailed receipt from the garage. At this point, we felt as if something was not right since XXXX had failed to provide the necessary documentation of the damage through photos or receipts.
We felt our only recourse was to put a hold on both of our credit cards until XXXX could provide the necessary documentation to verify the actual damage including photos and a much more detailed receipt of the repairs and their cost.
To date we have not received any of this information and neither has our insurance providers, Mastercard and XXXX XXXX.
I have included the documents provided to us and the emails we sent asking for this information and their responses. I sincerely hope this explains why we feel these charges should be reversed unless proper documentation is provided with pictures of the damage.
I hope this satisfies your needs. If not please let me know and I will try and clarify or provide any other documents I have.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
11/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I'm writing to complain about a misleading and deceptive change in benefits associated with my credit card, a Visa Signature " Quicksilver '' issued by Capital One.
FACTUAL NARRATIVE I am attempting to file a claim under the " Auto Collision Damage Waiver '' benefit associated with my card. This benefit is described in the following " Guide to Card Benefits '' posted on the Capital One website, as of XX/XX/2021 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Permalink snapshot as of XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX I relied on that benefits guide, which I accessed in XX/XX/2021, in choosing to use my Capital One credit card to make a car rental. Later in XXXX, I was involved in an accident with that rental car, and attempted to file a claim.
On XX/XX/XXXX, I called Capital One using the phone number on the back of my credit card ( XXXX ), and a customer service representative directed me to call the benefits administrator ( XXXX ), which is a separate entity from Capital One. On XX/XX/XXXX, the benefits administrator told me that the " Auto Collision Damage Waiver '' was no longer a benefit associated with my card.
I promptly re-dialed Capital One 's customer service line again on XX/XX/2021. The Capital One customer service representative assured me that the benefit was associated my card. On XX/XX/XXXX, I called Capital One again, and a customer service representative again assured me that the benefit was associated with my card.
Still, despite Capital One 's assurances, the benefits administrator refused to process my claim. On XX/XX/XXXX, I called Capital One a third time to escalate the matter to a senior customer service representative. Initially, the senior customer service representative also assured me that the benefit was attached to my card.
However, after further research, the senior customer service representative finally informed me that this benefit was removed from all Capital One cards starting XX/XX/2021. This was his first time learning of the change in benefits, as well as mine.
LACK OF ADEQUATE NOTICE AND CONTINUED MISREPRESENTATIONS I had no knowledge or notice that the benefits for this credit card changed. I did not receive any letter explaining the change in benefits.
The benefits guide that I did consult is hosted on the Capital One Website. When I am logged into my Capital One account, the website directs me to that benefits guide to explain what benefits are attached to my account. I believe it is reasonable to rely on the files hosted on a credit card issuer 's website as the most recent and accurate representation of the benefits associated with my credit card.
Here is the Capital One website listing cardholder benefits XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, as of XX/XX/2021, the auto collision damage waiver benefit is still listed as a valid benefit for cards of my type, a Capital One Visa Signature. There is no reason to believe that the Capital One website is out of date. Indeed, many of the explanations of benefits listed on that website are dated 2021.
Furthermore, Capital One 's own customer service representatives continue to represent to customers that the benefit is still valid. As I mentioned in my factual narrative, three different Capital One customer service representatives told me that this benefit was still associated with my card.
CONCLUSION I would like the CFPB to investigate these deceptive representations about changed benefits. If credit card companies want to change the terms of their credit card agreements, they must at minimum update both their online materials as well as their own customer service representatives.
If this change in benefits indeed happened, there is almost no way for any cardholder to find out about it. For now, I am still unable to file my claim.
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11/19/2016 |
Yes |
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Web |
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Capital One is accepting fraudulent charges invented by a Merchant ( horse trainer ) and they are insisting that I pay them without any proof that I agree to the charges or that the charges are legitimate ( which they are not ). Capital One has based this decision on a fake email " bill '' submitted to them by the Merchant in spite of clear proof that I have furnished to them that the charges are not legitimate.
I paid a Merchant ( horse trainer ) {$1500.00} for services ( Full Training ) of my horse. The " Full Training '' includes the pick and and drop off of my horse, training the horse, grooming, one feeding of grain per day, housing and feeding the horse ( board ). These services are typically included in " full training ''. The services were billed at one month for {$1500.00} and two additional days at {$96.00}.
The horse trainer refused to provide the services ( they said they did not want to train my horse anymore ) after six days and returned the horse to me the following day. This was after I asked them why my horse was acting like he was extremely frightened and had regressed in his training while being in their care. Instead of telling me what had happened to my horse, the horse trainer told me in a voice mail, which I still have, that they did not want to train my horse. They also said in that same voice mail message, that they would " drop off '' my horse the following day and they said that " we are going to give you your money back ''.
The Merchant ( horse trainer ) never issued me the credit back they had promised me for any of the {$1500.00} that I had paid for the month and two days even though he had only had my horse for six days. When I disputed the charge on my credit card, the horse trainer told me they would mail me a refund and I should just pay the credit card amount in full. Needless to say, I never received any refund in the mail from them. The horse trainer then made up false charges in an email which they forwarded to Capital One in an attempt to defraud me of my money and avoid giving me the credit back they owed me. The Merchant sent this fraudulent email " bill '' to Capital One as their " proof '' with nothing else to substantial that these were legitimate charges ( which they were not ) or that I had agreed to the charges ( which I had not ). This disreputable Merchant invented charges which totaled {$710.00} when they only had my horse for six days and claim they only trained him for four days! Clearly, this does not add up when two days are billed at {$96.00}, then six days would be {$280.00}. I have a receipt from the merchant, on their letterhead, showing that the services were include in the {$1500.00} which conflicts with the Merchants fraudulent email bill which he is trying to double bill me for these services. I also have a voice mail indicating that they canceled the services and said they would return my money. I am really surprised that Capital One has refused to consider the very clear evidence, including the receipt on the business letterhead and the voice mail from the horse trainer Furthermore, they have NOTHING to show that I agreed to the extra charges because the charges are fiction. It really concerns me that a dishonest Merchant can invent charges and then write an email which would be considered acceptable proof for Capital One. I have provided proof to Capital One showing that I should be issued a full refund and that the Merchant 's charges are fraudulent and yet Capital One refuses to consider anything I have provided to them and tells me I have to pay the charges. I have no intention of paying fraudulent charges to a dishonest horse trainer who has invented the charges in an effort to keep my money and I feel like it is extortion that I have to pay the fraudulent charges or have my excellent credit rating destroyed.
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08/13/2016 |
Yes |
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Web |
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In XXXX 2015 I applied for a Capital One card online and a hard inquiry was done on XXXX XXXX. I was told that I would receive a letter in the mail in a few days with their decision. From the end of XXXX through the end of XXXX I never heard back from Capital One in regards to my application. I called them on XXXX XXXX 2015 and explained to the specialist over the phone that I had never received any letters from them. It turns out that they were sending the letters to my residential address ( where I currently can not receive mail, instead of my mailing address, a XXXX XXXX that was provided, saying they need proof of income. The specialist told me that my deadline to submit proof of income was XXXX XXXX 2015 and provided with me with a fax number to send my documents to. I emailed my employer about the proof of income and I was given the income letter on XXXX XXXX. That same day I went to a XXXX copy center to fax the information. I followed up with Capital One that night and over the next few days and was told they received my documents via fax and that I was approved for the card. We found out that one of the specialists did n't change the mailing address. I always provide my mailing address over the phone if I 'm unable to enter the information online. I did n't receive my approval email until XXXX XXXX 2015 and I did n't get my card for a while after that. The issue is that after I faxed my proof of income, Capital One did a hard inquiry on XXXX XXXX 2015 for the same application from back in XXXX. I NEVER sent another application in XXXX. Since XXXX 2015 I been fighting Capital One, contacting them numerous times by mail and phone, explaining what happened and how my credit was affected twice for the same card. I requested for the hard inquiry on XXXX XXXX 2015 to be removed as the hard inquiry on XXXX XXXX 2015 was truly used for my credit card approval. Capital One has refused to do a proper investigation and provide details and results of that investigation. They continue to refuse and ignore my request. This is the only way I can get in touch : I write a letter providing proof, they sent you an automatic letter about opting out of inquiries that has nothing to do with your case and does n't even state they 've received your dispute, and that 's it. I have to call THEM, request a supervisor, ask a supervisor to escalate the issue, and if they actually did it, then you wait for that department to call. They call you ONCE, if you 're are n't there, they leave a general voicemail and claim they have reached out several times.They simply leave a " note '' on my account saying the inquiries are valid and that 's it! In my last two detailed dispute letters I sent to Capital One, I sent them extensive proof supporting my position. Since we used my domestic partner 's XXXX card to pay for the fax, I contacted my domestic partner 's bank and our cell phone carrier to help me with this. I have two call logs showing several calls between Capital One and myself. You can see on the call details log for my number showing I spoke with Capital One on XXXX XXXX 2015 at XXXX. That was the same night I emailed my manager at XXXX asking her to give me the proof of income letter. You can then see several follow up calls to Capital One made from my phone and also using my partner 's phone. Lastly, on the bank statement you can see the XXXX purchase of when we went to fax the income letter to Capital One on XXXX XXXX 2015. We paid {$4.00} to have those documents faxed. They refuse to remove the inquiry and claim they have done a proper investigation without providing me any details or results. I spoke with a supervisor today who refused to escalate the issue.
I need access to my recorded phone conversation on XXXX XXXX 2015 at XXXX. Then you can hear the specialist telling me the deadline date.
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03/24/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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On XXXX/XXXX/16 my wife and I applied to refinance our first and second mortgage and get about {$15000.00} cash back with Capital One. We called after seeing an advertised Jumbo Loan refinance rate of 3.5 %. On XXXX/XXXX/16 we were approved for a loan pending an appraisal of our house. The appraisal eventually came in a bit lower than anticipated and Capital One gave us XXXX additional options to refinance without cash back. We had the option of a loan at 4.0 % with no point, or 3.65 % by paying a point and higher closing fees. My wife and I decided to pay the higher closing fees and take the lower rate. At some point, I received a promotional email form Capital One granting {$1000.00} off closing fees as part of their XXXX XXXX Event. ( My wife and I have Capital One credit cards. ) They agreed to the {$1000.00} discount. ( Although they did n't mention we could have received over XXXX points for refinancing as Venture Card customer. ) After XXXX versions of paperwork with incorrect numbers, they mailed us the correct terms on XXXX XXXX. ( We received the letter on XXXX XXXX. ) At this point we had submitted most of the information they asked for ( Pay stubs, XXXX, assets, etc. ) and obviously qualified for the loan, but had n't signed the application paperwork because we did n't want to sign documents that did n't have the correct numbers. I spoke with XXXX from team XXXX on Wednesday XXXX XXXX and discussed with her how my wife and I could login to sign all of the documents electronically. I hung up with her, looked at the loan paperwork and decided to shop for the title insurance and settlement fees. ( Title insurance fees are listed as fees I can shop for on the disclosure paperwork. ) I found a local company that would provide the services for about {$1500.00} less than Capital One and called XXXX back within 15 minutes of our conversation. She did n't answer, so I left her a voicemail and sent her an email relaying this information and requesting her assistance using the new title company. She never responded to my email or voicemail. Instead, she proceeded to cancel our loan application. I did n't hear back from XXXX on Wednesday, Thursday, or by Friday afternoon, so I called her. She told me that had withdrawn our loan offer on Thursday XXXX, XXXX because we had n't signed the loan documents. I told her according to Capital One paperwork, we had 15 days from the time we received the accurate loan paperwork to sign the documents, and it had n't even been seven ( 7 ) days since we received the correct paperwork. I asked her why she did n't return my phone call or email. She did n't give me a satisfactory answer.
It feels like our loan was withdrawn because we shopped for lower title and settlement fees. XXXX said she thought had previously agreed to the title and settlement charges, and I said I did n't recall agreeing to the title charges, but is n't my right to shop for the services? Instead of telling me that I would n't be allowed to shop for lower fees, she terminated our application, without ever responding to my phone call, email or contacting us beforehand to let us know why.
I called back later on Friday and asked to speak to a supervisor, and I was told that no one was available, but my complaint had been escalated and someone would contact me by Monday ... It is Thursday and I have n't heard a word. We think that our loan application was terminated without merit and in bad faith. We know from experience that some banks do n't always play by the rules. My wife recently received a settlement check from the XXXX XXXX XXXX Bank class action lawsuit in regards to paying higher interests rates and fees than her similarly qualified white counterparts. Please investigate our compliant. I am happy to provide all correspondence and paperwork I have with Capital One Bank.
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10/23/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I have never missed a payment of any kind in my life, and have made over 110 on time payments to my Capital One line of credit. I recently moved from XXXX to XXXX, and have ended up with a late payment issue with Capital One. Here is the sequence of events. I called to change my address and was told that it updated my loan as well, it did not. I realized that I had not received a statement and called to inform Capital One that I would be making a payment, and at that time they updated my address ( XXXX XXXX ). There was a mix up with bill pay and I paid one of my other Capital One accounts. Thinking I was up to date I had no idea that anything was wrong. In the mean time, even though my address was up to date I received no statements alerting me that my account was past due ( I have not received any statements from Capital One ). On XX/XX/XXXX over a week later I received a call from Capital One collections. The caller ID was only a XXXX number with no reference to my financial institution. I answered the phone but heard no response on the other end. I thought it was a solicitation call. Apparently it was Capital One collections. They did not attempt to call right back or to leave a message. I was contacted at least two additional times by Capital One collections, but a message was never left. I feel that a message in this situation is a must. How can someone not leave a message that your account is past due, when you have a perfect paying customer, and have already talked to them, and in your notes you see that they said they were making a payment. I believe this to be very strange. There was another call made to me where I answered and the whole situation was explained to me. I made my payment over the phone, which has still not been posted to my account, and the wrong payment amount was told to me. I would have preferred to pay everything I owed. I also asked for a supervisor to call me back and have not received a response yet. My major concern is that this will effect my perfect payment history on my credit. Capital One had not talk tracks, information, or escalation path to address my concerns. Even if capital one is at fault they will not help you with the reporting of your late payment. They just inform you that they automatically report to the credit bureaus. This is shocking, because I work for the credit bureau, and this drives consumers to have to dispute things directly through their credit report, which is a poor way to handle a situation like this. Capital One needs a clear cut process of how to address consumer credit reporting issues when a consumer believes that capital one is at fault or has a role of responsibility in the circumstances of the issue. I have never been involved with a collections process form any financial institution, but this experience had made me realize that there is no real hope for consumes if something goes wrong, and that the communication of the departments responsible for alerting consumers and collecting depts. is very poor. In addition I am very concerned that there is not an easy way to escalate a situation with capital one, through their website, or speak to anyone above a supervisor at the call center. For someone that has never had an issue with paying, and has fallen into the stressful situation of moving to another state and encountering an issue with updating my information with my financial institution, I need help. From my prospective there is not way to mitigate this situation other that to contact a third party regulatory agency such as the CFPB. I hope that you can assist me with getting Capital One 's attention and resolving my issue, along with protecting the integrity of my credit score which we all know is extremely important, and something I have worked a life time to achieve. Thank you in advance for you assistance.
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06/13/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I have XXXX credit cards with Capital One Bank. They say they have a fraud protection department but I have been fraudulently charged at least XXXX and never contacted by them. The XXXX incident occurred XX/XX/XXXX when XXXX of my cards was charged about XXXX times by someone who charged between {$50.00} and {$150.00} each time over a XXXX period using several foreign banks. Just by chance, I discovered the charges and took the information to my local Capital One Bank branch. They agreed that fraud had occurred and immediately contacted their main office. Granted, over the course of time most of my money was returned but why was I never contacted by the Capital One Fraud Department? And more importantly why was I never put on a watch list at Capital One as a client where fraud has previously occurred ; had this been done perhaps the XXXX/XXXX incident would never have occurred. In this day and age such a list is important, as an example Homeland Security just yesterday informed me that my personal information had once again been compromised. I regard the Capital One Bank Fraud Department as a terrible service!
The next time occurred XX/XX/XXXX when XXXX ( XXXX ), a company that specializes in fraud charged to XXXX of my credit cards. When first contacted by XXXX I was looking for some training plus they knew I had made some recent investments. In retrospect I should have asked where they found out I had made an investment but it has been reported on TV news that banks such as Capital One make lots of money selling this information. At any rate I agreed to the training which had been tailored to my needs. The XXXX salesman said he had sent me by e-mail ( he already had this info ) a copy of the training service that we had just discussed and asked me to sign it. Under the pressure of him still on the line " my bad '' is signed his e-mail. Later I found out that the email had very little to do with training but was a contract where XXXX promised nothing but a QC Code and a Virtual Platform both available for FREE on the internet. So I agree I was scammed by that XXXX move but surprised by the reaction of Capital One Bank.
When I agreed to the Training from XXXX I used XXXX of my Capital One credit cards but it had limited funds. I informed XXXX of this fact and explained that only {$1400.00} could be charged at this time and since this agreement was only for training that when this amount had been used up that perhaps I would have additional funds for use to complete the training. After the fact, I later discovered that XXXX had again contacted Capitol One Bank and they agreed to allow an additional charge that overran that card by {$1100.00}. When I contacted XXXX XXXX, assigned by Capital One to operate on their behalf, she informed me by letter that " even if there is not enough available credit on a credit card that Capital One may honor transactions above the credit limit! '' She also stated that " Capital One complies with all Federal Guide Lines '' and that these guidelines are " fair to both the card member and the merchant! '' Since Capital One make a lot of money by charging the cardholder for overcharges this to me is clearly a " conflict of interest '' and totally not fair to cardholder. Never did I give either IR nor Capital One the right to make this XXXX charge, I have asked XXXX to provide me a document signed by me allowing Capital One without impunity to make such charges and so far has refused this request.
I have also contacted the XXXX ( XXXX ) about this matter and of course they protect their subscriber. The XXXX advertises that they " inform the consumer about the practices of their members. '' The problem here is that they charge companies to be a member of the XXXX and do n't want to loose paying members. This is a complete " conflict of interest! '
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09/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American, Servicemember |
Part ( 1 ) : On XXXX XXXX, 2016, I engaged in good faith, the purchase of a 2016 Nissan Juke with XXXX XXXX, XXXX XXXX XXXX XXXX Salesman. Upon receipt of the documents, lease documents and registration, I immediately requested that XXXX XXXX, XXXX XXXX XXXX salesman to make the necessary changes to the sales paperwork to reflect that I was purchasing a 2016 vehicle. The salesman, the Dealership and Finance company all collectively refused to make the necessary corrects to the paperwork. On XXXX XXXX, 2016, with no viable or amicable alternative, I returned the car to the Dealership, located at : XXXX XXXX XXXX, CA XXXX.
I am asking that the Car I am driving from the XXXX XXXX XXXX Dealership want sell the car or Repo the Car until a Decision has been made in this case.
Part ( 2 ) : Moreover, on XXXX 2016, I, without transportation and unable to travel locally to the VA hospital for regular scheduled appointments, or to the local food market, and without a vehicle to conduct Banking and other business and related matters, once again, engaged, by necessary, in good faith, in the purchase of a second vehicle, the Rogue Nissan 2016, with a XXXX salesman, and employee of XXXX, at XXXX XXXX XXXX.
Upon information and belief, through further investigation and discovery, I believes that there may be a routine pattern and practice of false misrepresentation on the part of the dealing toward other senior citizens and veterans customers. I would appreciate if CFPB to take a serious look at this matter.
I was quoted $ XXXX monthly car note at 29 %, by XXXX salesman XXXX XXXX XXXX, which would fit within my fixed XXXX Veteran monthly allowance from the VA. However, when the sales documen arrived from the Finance company ( Capital One Finance ) company, for the Rogue vehicle, the monthly note was : {$600.00}. The Salesman and Dealership, once again, just as the first purchase transaction, without my knowledge and without full disclosure to me, referred this transaction for Financing to none other than, the same Capital One Auto Finance.
Moreover, to add insult to injury, the same Salesman, XXXX issued State required ( Gap Insurance ) at the time of the sales transaction. ( 10 days ) later the same Salesman XXXX XXXX contacted me requesting that I come to the Dealership. Upon arrival at the Dealership he revoked the State Regulatory requirements issued with the purchase of a vehicle. He then proceeded to tear up the original sales contract and the ( Gap Insurance ) policy. In violation of State regulatory requirements. The Salesman then re-issued a New Sales Purchase contract for the citing, instead that I must obtain Insurance for the car from another Insurance company. Therefore, I remain without ( Gap Insurance ) on the Rogue vehicle. When I subsequently reported the matter to the Capital One Finance company, the Capital One Finance, Agent stated that the actions taken by the Salesman ( XXXX XXXX was illegal and said that the Resolution Dept. Of Capital One Finance company will launch an investigation of the matter, which they did not do. I respectfully submit to you with a great deal of certainty that there is a pattern of ( fraud, deception, and false misrepresentation by omission of facts in violation of truth in their lending laws ; at least to vulnerable Veterans, seniors and perhaps other disenfranchised citizens of XXXX XXXX county.
I am currently receiving medical treatments for stage XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX caused by the actions of the XXXX Dealership have taken an extreme toll on my medical condition and the quality of my life. I have made several attempts to amicably resolve this matter by reaching out to the XXXX Dealership, to no avail. I respectfully requests that an amicable resolution be reached by CFPB. Thank you.
1. Sales Tactics 2.Term Changes
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07/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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There were 4 ACH unauthorized withdrawals from my account with no tracking information.
On Friday, XX/XX/2022 : XXXX/XXXX withdrew {$950.00} and then {$950.00} from my checking account. I do not recognize this business and did not authorized thes withdrawals.
Additionally, {$610.00} and {$3500.00} was withdraw from 2 other companies.
Capital One posted TRANSACTION RETURNED - on HOLD on XXXX XXXX for the {$610.00} and {$3500.00} transaction and put a hold on my account. As of XX/XX/2022, this money has not been returned to my account however it appears it will be.
The problem is with the 2 transactions for {$950.00} and {$950.00}. There is no account number to referrance and no confirmation or any other identifying information on these 2 withdrawals. I did not authorize these and they are extremely inconsistent from XXXX years of activity on this account.
I contacted Capital One to bring all these fraudulent transactions to their attention during the week of XX/XX/2022. On XX/XX/2022, I received a letter stating they are denying my fraud claim # XXXX because it was not reported withe the timeframe. I called the number in the letter, XXXX and in essence was told I would have to suffer this loss. In fact, a supervisor laughed at me saying they would not provide me with any information regarding this charge and they would not be furthering any investigation. Capital One took money out of my account, as they have done with so many other people in the past, can not tell me any informantion regarding the transaction and basically said " tough luck ''! As you will see from the attachment, This account not only doesnt do ACH transaction but also only pays an insurance and mortgage bill via BIll Pay and 1 time annually pays a tax bill. Occasionally there is a manual check written. I have no history of even using ACH to pay anyone.
I did my own research on XXXX/XXXX by contacting : XXXX XXXX XXXX XXXX aka XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX and opped a case with the Private Investigation Team XXXX XXXX. I received a call back from XXXX saying all they need is the bank to do a reverse the charges and they would return the money. They can not give me the account number it was paid to or any further information. Only the bank can do this. Capital One bank has refused to seek return of my funds or research the fraudster.
I do not know if Capital One just paid their own bill via this transaction or if it is something else nafarious. I informed them that mail has been stolen in my neighborhood recently, Reports have been filed with the US Postal Inspector Ref # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX and The City of XXXX, XXXX, Police ( Report number XXXX ) Officer XXXX XXXX XXXX XXXX I speculated that perhaps a check that was mailed was used to commit this fraud. Capital One did not want any of the above information. They are basically blowing me off.
I would appreciate some help here. It seems actually to be a quick solution for Capital One to reverse the charges and XXXXXXXX even said they would return my money. Then the 2 of them can see who's account was paid and the fraudster could be identified. Capital One also has the 2 other accounts above that they could use to identify the fraudster however they seem to not care. The only way to contact Capital One is via their main phone number for which leads to a very low level employee and the highest up the chain I was able to get was a barely English speaking women in XXXX XXXX who laughed and said their was nothing she could do and she had no further supervisor or manager she could transfer me to. By the way, this is an account I opened in XXXX however I currently live in XXXX. There are no Capital One branches in XXXX for me to go to for assistance. This complaint is my only hope. Thank you!
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09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to inform you of an incident that occurred in XXXX XXXX in the hopes you will help me remediate this situation. I have a Capital One Credit Card and have been making on-time payments since XXXX. In the months leading up to the incident I had enrolled my account in autopay so that I would not miss a payment. I happened to use my credit card in the months following that which caused my monthly minimum payment to increase. In XX/XX/XXXX the payment was {$37.00} which caused my payment to fall late by {$2.00}. In XX/XX/XXXX, the minimum payment due on my credit card increased to {$72.00}. Thinking that I had autopay previously set-up, I thought this payment was made on time. Come XX/XX/XXXX, I have a minimum payment of {$120.00} due, and again believing I had autopay, I thought this payment was made on time. By XX/XX/XXXX, I saw a minimum payment of {$170.00} was due, and knew something did not make sense. I noticed my online account was set to pay a fixed amount of {$35.00} as a recurring monthly basis as the payment towards my account. Realizing that this was never something I set-up online ( I was under the impression I always had autopay ) this caused my payments to be late 3 months in a row, accruing more fees over time, and unfortunately being reported to the credit bureaus. I could not fathom how the system would allow me to set up recurring payments and that I had never been contacted by phone to remediate the issue. I had received an email giving me notice, however I was not able to view it in time. This incident happened at the beginning of the COVID-19 pandemic, which I understand has taken a toll on the nation, however as an elementary school teacher I had a lot of other issues to work through at the time and this was simply overlooked. I had to transition my entire classroom and curriculum from in-person teaching to fully remote for the first time and simply put I didnt have the bandwidth to keep both my professional and personal lives running at maximum efficiency. If anyone had reached out by phone, just one time, this would have been resolved. Instead I feel this is a predatory/abusive practice by Capital One.
Knowing that I have sufficient funds to make these payments on time, and realizing the online application did not set-up autopay, I called Capital One to dispute this in XX/XX/XXXX. After calling Capital One I was informed that the system would allow for an automatic payment below what the minimum amount is due without giving any notice. Again I feel strongly that it is predatory/abusive for the company to do that in addition to charging late fees. After speaking with several members of Capital One, only one representative gave me feedback about how to handle this. I was informed I should write a letter to Capital One appealing this decision. Immediately after that conversation, I set up autopay on XX/XX/XXXX to avoid any more fees, paid my past due amount in full, and wrote my letter. I later received a letter back in XX/XX/XXXX that stated nothing could be done to remediate this from reporting to the credit agencies. After much reflection over these past few months, I feel that this decision was unfair, and I contacted Capital One again, the manager I spoke with offered no help or direction with solving this problem. Not once did the collections department attempt to reach me by phone letting me know that the automatic payment was not set for the minimum monthly payment amount, but for a fixed amount of {$35.00}. I have never heard of a bank allowing this sort of arrangement, let alone not contacting the customer about late payments and letting it report to all three of the major credit agencies. I am trying to buy my first home with my husband and this has been a huge obstacle that has stood in our way because it has affected my credit score.
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08/15/2016 |
Yes |
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Web |
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Capital one promised to call and never did they no they are committing a mega crime, I was XXXX asap or i am filing criminal charges. It has been a week and I have not received payment of {$2000.00} and all XXXX card remain in collections. This will not only not go away until amount paid in full by XXXX XXXX, XXXX, but my four years of extreme loss due to CAPITAL ONE behavior has also cost me countless hours, and my time is worth something to me I will start adding {$100.00} a day late fees as of XXXX XXXX, XXXX. I have been patient for you to do the right thing long enough, this endless stalling, half baked excuses and backwoods theatrics are all I can take. I am a consumer that life is on mend due to XXXX incidents in which CAPITAL ONE played a large part in creating more issues on top. I am documenting everything as I try to move forward and below you will see a list of things including MEDIA PRESS RELEASES to inform other CAPITAL ONE users and consumers, SENATOR office and the like, showing a copy of this letter and my proof, as well as hold you personally responsible for this unlawful and unjust behavior.
FDIC and OCC was in receipt of the same XXXX page letter as you and after their review they submitted CAPITAL ONE also to CONSUMERFINANCE.GOV.
I have spent a better part of FOUR years trying to resolve these issues, and there are more than XXXX issues. I have also been told that CAPITAL ONE has had more complaints than any other CREDIT CARD company and a lot of them were made right around same time I stopped using the cards in XXXX and you also had over XXXX class action lawsuits similar in nature. Please bare that in mind as you remember that I have tried working with CAPITAL ONE and not only are my issues similar as ones reported, but I have more of the average.
Let me also remind you, CAPITAL ONE was given IDENTITY THEFT papers. That I also made regular payments on time, and often. And, that I called and personally canceled the cards and then sent in a last payment. Which I did not have to do with FTC {$50.00} liability per card used.
I am listing the issues below, all of which I have proof and our witnesses for, and CAPITAL ONE has had its time to take care of this the amount of my loss, is inconceivable to what XXXX reported SECURED cards ontio of being beaten repeatedly by gangsters then identity theft and robbed of all possessions. If I do not get CAPITAL ONE immediate cooperation with {$2000.00} payment and XXXX cards out of collections, I will have to take drastic measures. I will be submitting this letter to ever ATTORNEY GENERAL OFFICE, ever financial website, every government agency, the FDIC and OCC will get a copy on top of their records as well as CONSUMERFINANCE.GOV where I will be reporting in several different areas as well as XXXX XXXX, and this will go to the law firms who recently had a class action lawsuit with CAPITAL ONE as well as any other law firm handles these matters. I wanted to work with you guys but it 's been several years and I know you are just doing your job, but as you see below, EVERYTHING, I REPEAT, everything below is exactly what happened, and CAPITAL ONE has not even admitted to one of these issues, rather try to find as many issues you think you can with me, to avoid all the irregular activity CAPTIAL ONE was doing.
I am not looking for a rebuttal, just the {$2000.00} settlement and XXXX cards out of collections, unless I find out that XXXX XXXX did make a payment to you guys in which I know in next day or so and that be added to {$2000.00}. All these issues I have sent to CAPITAL ONE in past and have been verified as solid consumer issues in which CAPITAL ONE IS RESPONSIBLE, if CAPITAL ONE is gon na go through this list in hopes to find one that seems like it 's a grey area for you to use to try to wiggle out of this,
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04/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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This complaint submission is in regards to ( CAPITOL ONE CREDIT CARDS XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. ) I have made attempts to rectify this matter with them directly as they have now been unresponsive. Throughout the past year I have always maintained communication and attentiveness to any issues regarding my credit cards with Capitol One. Nonetheless, the issue at hand is that Capitol One has demonstrated false advertisement, and misleading information on numerous occasions as a tactic deceived me as a consumer. Ultimately they had secret intentions to collect money from me all with the intentional prevention plan that didnt allow me any access to my credit cards. I currently have two credit cards with Capitol One in which they are both currently RESTRICTED PERMANENTLY due to alleged missed payments. With my Capitol One card, as of recently I was never informed on such action nor notified in documentation such action would be taking place. Neither is there any agreement in bonding by signature indicating I agree to such ruthless and misleading consequences. I previously entered Hardship Programs in result of dealing with financials issues as my business suffered severely from the Global Pandemic of Covid-19.
Throughout my financial hardship, I have notified Capitol One every step of the way of my circumstances. Prior before Covid-19, my account was in perfect standings with 100 % on time payments and my account being paid in full every month. Capital One has now penalized me for life with 2 Credit Cards and no access to any credit FOR LIFE. Though I informed them on my financial circumstances, they continued to raise the monthly amount and also charged me late fees. I continued making monthly payments ; however, the minimum payment would increase every month due to the interest charges. So nonetheless, though I was making payments, hundreds of dollars each month, the company would consider my payment as a late payment and also a missed payment considering it wasnt their requested amount. The Hardship Program had no benefits. I was still being charged high interest rates, and also still being charge with late fees even though I was in agreement with them for what I can afford monthly.
This is a simple tactic to steal money from consumers. They provide you with a credit, and just as you begin to pay it off completely, they place restrictions on your account to gain money from fees, interest, and false cash advance charges. I have spoke to several supervisors regarding this matter who all seem to have the same interest in charging customers and preventing them from any future access. On XX/XX/2022 I even spoke to a supervisor by the name of XXXX ( XXXX XXXXXXXX ) who informed me once I make a significant payment to my account that I would then have full access to it. Though the supervisor made this statement on record, I have still been penalized in result of misleading information and once again no agreement in such action would take place. XXXX ( XXXX XXXX ) stated that the back office research team would rectify this matter. All of this never took place and each Capitol One Rep I spoke with only gave me more excuses of why my account can not be unrestricted.
This is prime example of fraud taking place directly from a company who are suppose to help consumers build credit and strive to financial freedom. I also spoke with a supervisor by the name of XXXX ( XXXX XXXXXXXXXXXX ) who stated they would review the calls and make the necessary adjustments to allow access to the account. Once again I was mislead as I spoke to another supervisor who stated XXXX gave me the misinformation. Capitol one has no intentions of rectifying this matter which leaves me no further options but to pursue a civil suit if the company refuses to remove the restrictions to my accounts.
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08/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX : KOHLS STORE XXXX XXXX EMAIL : XXXX CONTACT PHONE NUMBER XXXX On XX/XX/19 I purchased 2 pieces of jewelry that totalled {$49.00}. I continued shopping and then realized that I did not use a 20 % off coupon that I had. I went back to the jewelry counter and explained this to the clerk. I asked her if she could void the first purchase ( in amount of {$49.00} ) and ring the items through again, applying the 20 % off coupon and she said yes, she was able to do that. The second, correct transaction came to {$30.00}. I received my XXXX statement and both amounts were showing on it - {$49.00} and {$30.00}. I immediately called Kohls and placed a dispute on my account. OnXX/XX/19 I received a letter acknowledging the dispute and advising that I would be contacted with a resolution within 60 days. Yesterday,XX/XX/19 I again called Kohls and spoke to CSR Badge # XXXX. She was clueless, even though I explained the situation to her, which is not odd considering the caliber of customer service that Kohl 's continually offers. Customer Service has been an ongoing problem, I am not sure what causes the sub-standard customer service with Kohls but it is a repeated, ongoing problem. Nobody understand the situation even though it has been explained to them repeatedly AND all of the notes are clearly in my file.
CSR Badge # XXXX did not understand what I was saying and obviously she lacked the skills to read the file and figure out what was going on. I then spoke to Manager Badge # XXXX, XXXX, who was just as, if not more clueless than previous CSR. He kept telling me there was no " duplicate charge '' - even though the original complaint included the facts, that the second transaction was done because I did not use a 20 % off coupon, so the amounts were not going to be the same. It can still be a duplicate charge even if the amounts are different, the charges were for the SAME ITEMS. I again explained to this Manager what happened and again he just couldn't absorb the situation. He told me no adjustment would be made " because there was no duplicate transaction ''. Today, XXXX/XXXX/19 I called Kohls back and requested, in writing, the resolution letter that was promised to me, within 60 days, on XXXX/XXXX/19. CSR Badge # XXXX again had absolutely no clue and again told me there was no " duplicate charge ''. I then spoke to Manager Badge # XXXX and she told me the resolution letter had been sent to me already, I told her I did not receive it and asked to have a copy sent to me. She said she could not do that for me, that the letter came from the " back office '' and she did not have access to it. I asked if she could contact them and get me a copy and I was told " she had no extension to contact the back office ''. I asked if she could provide me with the contact information so I could call them and she said no, she had no contact number or information. I told her by law I needed to be sent that letter and she said that wasn't true. I then hung up the phone.
Even though I clearly explained what happened with the transactions on XX/XX/19 and provided the 2 different amounts I was charged and why, which should have been in my notes, not one CSR or Manager I spoke with could grasp this information, all they could say was " THERE WAS NO DUPLICATE TRANSACTION ''. When I AGAIN explained the situation and gave the amounts, these sharp Kohls CSR and Mgr. could not grasp it. I have not been given the resolution letter, violating my rights and I have no way to obtain this or speak with somebody that has even a shred of common sense or able to perform their job. I demand, at the very least, that I receive that resolution letter and I would also request that somebody with some common sense and able to understand English review my account to see that indeed I was charged double for the same items.
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06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
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Web |
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I have two accounts with Capital One MasterCard. My first account-Platinum MasterCard was opened on XXXX and I currently have a credit limit of {$5500.00}. My second account-Captial One QuickSilver was opened recently on XXXX with a {$10000.00} credit limit. Approximately, on about the early week of XXXX XXXX, I received a promotional offer for transfer balance or purchase ( checks included in the offer ) with 36 months for 5.99 APR from Capital One. I even called Capital One to verify that it was an actual promotion. I was excited and not paying much attention to details, I went ahead and deposited a check to my personal checking account for {$8500.00}. Within two days, my bank released all the funds of XXXX and I thought everything went through, so I used the money and paid some debts. When the check reached Capital One, it was declined for lack of funds. Capital One NEVER call me to verify or inform me of the transaction. I found out by accident when I was online checking my personal bank account and found out that the {$8500.00} I deposited now has been rescinded from my account. At this point, I was negative {$5500.00} and I was panicking and began calling Capital One and my bank, probably somewhere about XXXX XXXX, XXXX. After calling Capital One and my bank, I found out that the promotion was only my first Capital One account, which I only have {$5500.00} credit limit and I had written a check for {$8500.00}. I explained the whole situation to my bank and I was told I needed to contact Captial One. In the end, my bank-XXXX XXXXXXXX XXXX charged me a {$12.00} fee for the Return Check, 3 separate Overdraft Fees of XXXX ( total- {$88.00} ), which after hearing my situation, my bank has agreed to rescind the 3 Overdraft Fees. I had to move and shuffled the little funds I have in order to cover my expenses for the months of XXXX and XXXX, due to the problem caused and started with Capital One. When I called Capital One for help, on about XXXX XXXX, the customer service representative was very friendly and offered me several options. I made it very clear that my personal finance was in serious jeopardy and I needed a resolution asap. I requested that Captial One honored its promotional and send me another check for {$8500.00} with the same terms, for sending me a confusing promotion and has caused me a great deal of hardship. I also spoke to a supervisor and he repeated everything I explained and the terms I was requesting back to me. I was then told then he would contact me in " 48 Hours '' upon hearing from the " Escalated Group, '' to update me on my request. Just be clear, to this day, I have not heard from this particular supervisor. Since the first time I called Capital One, I have called back 3-4 times, trying to follow up, and each time, I was given excuses and no one seems to know what to do or help. I again, requested that the supervisor whom I spoke with the first time, calls me back, gave all my contacts, and again to this day ( today is XXXX XXXX, XXXX ), I still have n't heard from Captial One. I realized it was my own mistake for not paying close attention to all the details on the promotion I received in the mail. I have two accounts, which caused the confusion. I have paid a great price of financial consequences for it. However, I believe Capital One started all this and then turned its back on me when I needed their help. I believe there are many options that Capital One could have done to save me all the trouble. The many questions I have is WHY wo n't they at least communicate with me the moment they see that something is not right. WHY after I attempted in all good faith, trying to resolve the matter, Capital One continues to avoid and refused to follow with me. Why ca n't Capital One its terms? Please help me. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
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12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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A bank ran my credit report and came back twice with a delinquent account with Capital One Bank. I thought the first time was a mistake ( a couple of months ago in XXXX ) and maybe delinquency was still showing up on an old account. Recently on XX/XX/XXXX when my credit card report came back the delinquency showed a second time. I checked my mobile app and found no account information indicating I had an open credit card at all, just the " credit one '' score. I contacted Capital One via customer service phone line and asked for clarification on why they were reporting this as delinquent. I was told by the customer service representative ( CSR ) that my account was closed due to non-payment and was sent to collections on XX/XX/XXXX. I asked the XXXX, " XXXX '', of the last statement they mailed to my home. XXXX stated this was mailed on XX/XX/XXXX. I asked for a copy to be sent to my email address, XXXX, which was updated with XXXX on the phone at this time.
I also asked if they have sent me any other communication since XX/XX/XXXX indicating my account was not paid, via mail or email. XXXX was unable to provide me with any additional information pertaining to their attempts to contact me. His records showed that the last time they contacted me was on XX/XX/XXXX. I confirmed that they did have the correct mailing address on file. I also asked for my account number as I thought this card was paid off and closed several years ago. XXXX said he was not able to provide me with the credit card account number but it would be on the statement once they emailed it to me. I only know the account ends in XXXX and it has a balance of approximately {$850.00} on it. Again, this balance/account does not show at all in my XXXX app.
I asked XXXX if they could assist me with removing the negative status from my account as I had not known this account was still open for over 3 years and had been bringing down my XXXX XXXX during that time. XXXX stated because the account was " closed '' and sent to their " charge-off/recovery '' department, he could not assist me. I then asked what date their records showed that they sent this to the recovery department. XXXX stated it was sent on XX/XX/XXXX. I asked if they sent me any notification via email or letter after that date and he said " no ''.
I clarified with XXXX I would like a copy of their final notice to me, in writing, of my account balance and the date it was going to " charge-off '', the record of the last payment they received from me ( as I was sure this was paid off ), and the final date they sent me a notification via email or mail. XXXX stated all of this would be emailed to me at XXXX within the next couple of business days. I have not received any communication from Capital One regarding this phone conversation or my request for proof of documentation.
Conclusion : Capital One stated they sent me my final statement on XX/XX/XXXX indicating a balance, then sent me a statement indicating a " charge-off '' although they have not been able to provide any proof of this to me. When asked why they did not make any further attempts to notify me of a balance for over 3 years, I was not provided with an answer. I continue to have a negative impact on my credit report because of this without any resolution. I have not received any communication about the status of this account in over 3 years via email, mail, or on my account page as it currently does not even show the account ending in XXXX when I log on to their website. I would like the delinquent information removed from my account and my credit report and proof of balance owed.
I have attached a screen shot of my mobile app, logged in to my Capital One Account. It does not show any account information other than my poor XXXX XXXX. I do not have any other proof from this company.
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07/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Please be advised that the situation has been very emotionally draining and I want to remedy the situation as quickly as possible. I am a young woman trying to maintain my credit and expand my opportunities that I would have afforded with good credit. That being said to say this experience has been a headache is an understatement. To provide some back story, I got paid as of the XXXX of XXXX. I like to be proactive as I work in customer service and I know clerical errors do exist. Since the XXXX I have been calling everyday to make sure everything was copacetic. I have made several calls verifying issues with the account and it's restricted status. I was advised not to worry about it because the account was pending and it should clear up by the XXXX when the funds would be available. I contacted my bank everyday after I got off the phone with Capital one and I would confirm with them if there are any transactions that are actively pending. They advised me not to be patient because it should be shown rather quickly. Again me being proactive, I contacted capital one and even did a conference call with both parties and wanted to make sure everything was clear on both sides. I was advised again don't worry about it. It should be remedied as of the XXXX. Now I called today and was alarmed at the news of not only is the payment still pending but the account is closed. You can imagine my surprise when this entire time I was thinking my constant communication was me doing the right thing. I was advised several times you can speak to the manager and they can take care of it for you. I have called a series of 18 times all of which yielded me either waiting on the phone for 40 minutes at a time or advising that I can't speak to a supervisor. The day that the payment was to be taken out I called and again verified with the associate everything is pending but still in good standing. I have been trying my hardest to rebuild my credit and establish myself financially and it seems as if I am not being addressed at all. I've done everything that I can possibly do to remedy the situation at the most basic of levels. The money has been sitting in my account verified and ready yet and still I am being told there is nothing that can be done. It's at times like this where the lack of understanding is the most concerning. I did everything humanly possible to make sure the ach transfer payment was smooth because there are apparently a lot of moving pieces. I was advised that I would speak with a supervisor. I am so stressed out because I did everything in possible power to take care of the situation and the experience I can do. I was hoping to get taken care of and reopen the account. Was advised by an agent that the next step I can take would be to capitalize one complaints department because I already spoke to the fraud department and their management team. Fraud department advised nothing that can be done once the account is closed. Please be advised I did not receive any phone call, text message nor email correspondence from a supervisor as I was instructed day by day that I would. I do not want this account to be closed nor have it reflected as a negative inquiry on my credit report so with that being said I need to be contacted urgently to get this taken care of. Please let the records indicate that I offered a check, and my physical debit card number in case the ACH transfer provided some challenges like I have had in the past. I have been on the phone with agents and supervisors for egregious amounts of time and have shown respect and patience with all parties involved. If I can get an urgent contact so that I can get this situation remedied most expeditiously I'd greatly appreciate it. And thank you in advance for taking the time to look over these concerns and addressing them accordingly.
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10/28/2015 |
Yes |
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- Advertising and marketing
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Web |
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When I was shopping at Kohl 's on XXXX XXXX, 2015, the salesclerk convinced me to apply for a Kohl 's charge card by promising that I would get 30 % off of my purchase. However, instead of the application being accepted, a receipt printed that said : " We are unable to complete processing of your application at this time. '' The clerk said that this meant that my application was declined. He could no longer provide me with the 30 % off. Additionally, he took back the written terms and conditions for the credit card. I questioned him if the application was in fact denied, since that was not what the receipt said. He said that the application was denied and that 's what that message meant.
On XXXX XXXX, 2015, I called the Kohl 's Charge Account customer service number at XXXX. I spoke with XXXX, who then transferred me to XXXX. I wanted to confirm that the application was in fact denied and was not being processed. XXXX stated that my application was denied and I would be receiving a letter within 30 days explaining why it was denied.
Since I did not receive the promised discount and was not able to keep a copy of the terms and conditions - and therefore was not able to read the terms and conditions - I wanted to make sure that the card was not processed. I fully understood that there would be a credit pull on my credit report ; however, if the application was still being processed and was not declined, I did not want a trade line reported or something showing that I closed the account, since this will negatively affect my credit.
Imagine my surprise when, instead of receiving a letter stating why my application was denied, I received a credit card in the mail. So, on XXXX XXXX, 2015, I wrote to Kohl 's Credit Customer Service. I asked for a refund of the amount I should have saved if I had received the promised 30 % discount. I also asked for Kohl 's to mail me a copy of the credit card 's terms and conditions and train its employees to provide accurate information.
I received a letter from Kohl 's dated XXXX XXXX, 2015. Enclosed was a copy of the Cardmember Agreement. However, Kohl 's declined to provide me with the promised discount because I did not make any purchases on a Kohl 's Credit Card - which I could n't do, because at the time of purchase, the application was still being process. However, Kohl 's offered a courtesy credit on a future purchase. This offer was not clear, so on XXXX XXXX, 2015, I sent an email to the address provided by Kohl 's to clarify the courtesy offer.
Kohl 's responded that it could n't assist me by email so I called the customer service number on XXXX XXXX, 2015. I spoke with XXXX. She informed me that Kohl 's would provide me with a 30 % discount if I made a purchase with my Kohl 's card and then submitted a claim for a credit to my account. But, I could not combine the 30 % discount with any other discounts being offered at the store. So, for example, if the store was offering a 20 % discount, I would need to skip the 20 % discount and not use any coupons in order to receive the 30 % discount from the Kohl 's card. Or, I could go on one of the days when the store was not offering any discounts - XXXX checked and there were only XXXX such days in the entire month.
Since I was not being offered the promised benefit that induced me to sign up for the card, I asked Kohl 's to cancel the card. Since Kohl 's refused to honor its promotion and I never activated or used the credit card, I asked Kohl 's to request that the consumer reporting agencies XXXX CRAs ) suppress the trade line. XXXX said that she could n't do that but that I could send a formal request in writing. My credit history should not be adversely affected by a company that does not honor its promises and does not adequately train its staff to correctly answer inquiries.
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07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The purpose of the letter is to bring to your attention how the Capital One is Violating my Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Capital One bank is reporting unlawful information on my credit report under fair credit act law 15 us 1681eb. From my understand The Cares Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.
Capital One Bank had also reported card # XXXX as a charge off lost with the IRS in the amount of {$540.00}. When we had a mutual agreement for a settlement in the amount of {$270.00} which I paid to them XX/XX/XXXX. ( See Attachment ) Capital one is damaging my credit and trying to collect to still collect the full balance.
The company had also reported a second card # XXXX as a full charge off with the IRS in the amount of {$460.00}. I refuse to pay the balance or do settlement because they didnt keep their or honor their word on the first credit card settlement. On XX/XX/XXXX, I called and spoke with a Customer Services Agent by the name of XXXX ID XXXX asking her what the charge off date was. She responded that she didnt know the charge off date and couldnt look it up. She then transferred me to an Account Specialist by the name of XXXX ID # XXXX. I asked him what the charge off date with the IRS was and he stated it was not charged off with the IRS. I explained they were reporting a write off to all 3 major credit bureaus ( XXXX, XXXX, or XXXX ). He then transferred to a Collection Account Specialist by the name of XXXX ID # XXXX. I asked XXXX what the charge off date with the IRS was and she stated it was charged off on XX/XX/XXXX. She then proceeds to tell me that I did not owe Capital One anything at all and they will mail me a letter within XXXX Business days. Hence, this conversation was recorded by Capital One in which they record all their conversations with their customers. As of today XX/XX/XXXX, I have yet to receive that letter from Capital One Collection Department as promised by Employee XXXX.
Im requesting an investigation into the Capital One Bank business practice when it comes to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. And under Fair Credit Reporting Act 15 U.S. Code 1681e - Compliance procedures.
( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
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11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
Hello Consumer Finance Team, Re : I am very frustrated due to this situation with CapitalOne, please be patient while reading. I cut to the point fully here. It is a 3 minute read avg.
I received a wrongfully filed charge of {$72.00} by CapitalOne bank for my XXXX XXXX XXXX ending in XXXX. Initially, they credited my account temporarily which I received the {$72.00} back. Eventually, the dispute department sent an email on XXXX XXXX requesting more information, which normally 30 days are given for disputes based on previous experience with CapitalOne. On XXXX XX/XX/2022 I received an email giving me a notification that CapitalOne finished their investigations WITHOUT properly giving me enough time to respond while I was away temporarily due to medical issues and was unable to respond ( I am a 100 % XXXX veteran by Va.gov standards ) I ended up desperately responding on XXXX XXXX, when I took notice of CapitalOne action. I confirmed to the investigation department along with an attachment and descriptive statements, the following : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hello CapitalOne Support, Claim ID : XXXX There has been a decision on my claim 8 days after sending me an email to request information, and CapitalOne made a decision to grant the hotel credit? Attached is proof that the {$72.00} were going to be refunded back and the hotel did not.
Reasons for a request for refund of {$72.00} : 1 ) There was no air conditioner on the room 2 ) Air conditioner appeared to be damaged 3 ) Hotel confirmed it had air conditioner, and it did not 4 ) Attached is proof of credit being requested back, which they said they'll provide, which they did not.
5 ) If my account is mishandled by the fraud department, I'll do everything in my power to report this case. 8 days to respond is not enough time, especially with floods and storms happening this week in XXXX XXXX.
Errors on CapitalOne email : 1 ) No deadline sent to respond 2 ) Inadequate amount of time to respond properly Do NOT under ANY circumstances debit {$72.00} from my account as I SHOULD NOT give money freely when the air conditioner o a hotel was damaged. I'll close my entire CapitalOne account and the account will have a negative balance as I should NOT have a XXXX debited when we didn't stay and most importantly, air conditioner was not working.
Looking forward to your response back.
Most Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As I write this, I am currently on the phone with an agent from CapitalOne XXXX XXXX department XXXX which apparently, couldn't be reached according to my last calls with CapitalOne. I no longer trust CapitalOne to protect my rights as a consumer for fraud, unauthorized transactions or wrongfully made charges in my account, to confirm. I am seeking assistance by ConsumerFinance again, like successfully in the past, to seek immediate correct resolution in this matter, which is getting the {$72.00} back into my CapitalOne checking account.
Note : If sworn statements under penalty of perjury need to be made, I'll be unhappy to pass through the process with me and my wife, as needed since the services for {$72.00} were not rendered and I paid such fee in XXXX as a walk-in subject that the room had air conditioner in working conditions at the time. I can afford to lose {$72.00}, however, I did not donate {$72.00} to CapitalOne, XXXX XXXX XXXX hotel at XXXX, XXXX, and/nor should I give away these wrongfully charged funds in my CapitalOne checkings account from my XXXX Debit Card ending in XXXX.
ConsumerFinance team, please assist me again, like done once in a past successfully.
Most Respectfully / Sincerely, XXXX XXXX XXXX : XXXX
|
10/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
|
My vehicle ( a XXXX XXXX XXXX XXXX ), was repossessed 2 days before XXXX XXXX. This occurred after I repetitively sent letters to capital one indicating financial hardship due to automobile accident involving the seat belt and brake component of the vehicle and that the above vehicle was involved in a National recall for model years XXXX to XXXX.
I also notified Capital one that I have obtained a lawyer to assist me due to the fact the manufacturer at that time was not able to fix the issue until sometime the next year and this along with a faulty engine qualifies the vehicle as a lemon.
After realizing that the vehicle was repossessed, I immediately logged into the online portal. Upon indebt review of the account, I saw that of the original loan amount of {$27000.00}, I had a paid to date total of {$33000.00}, and of the {$33000.00} that was paid {$20000.00} was applied to interest and only {$12000.00} applied to the principal.
At no time upon accepting the auto loan with Capital one was I informed or notified that majority of payments would be applied to interest as opposed to the principal. Additionally there was an exorbitant amount of fees and charges being applied to the account in addition to reporting of late payments and repossession when there was none thus negatively impacting my credit score and history. Also at the initiation of the loan I was informed of an added bonus of Gap coverage for the vehicle since it was a brand new vehicle, to which I learned was never included at the time of engine failure in XXXX which required a brand new engine.
Capital one sent a letter dated XX/XX/XXXX which stated the vehicle will be sold after XX/XX/XXXX. About 2 weeks after I received a call from Capital one stating the vehicle was sold. When I requested the amount that the vehicle was sold for the representative declined to disclose that information. Fast forward to this year and review of my credit report I see that capital one had continued to report to all credit reporting agencies that I had an active auto loan the was months past due and horrifically reflected a balance as if the vehicle was still in my possession. There was also a failure on Capital One 's behalf to report the $ XXXX that was already paid to them in addition to the {$2700.00} that was paid to them on XX/XX/XXXX, which would have a ) brought my account current and b ) prevented the repossession from ever occurring. Lastly, in XXXX of XXXX I applied for economic hardship which would allow for lower payments to be made for a certain number of months not to exceed 12 months. However when approval was obtained the monthly payments was lowered slightly from {$630.00} a month to {$550.00} a month with a additional charge for notifying the lender of hardship and approval for lowered payments thus extending the loan term from 72 months at XXXX/monthly to 96 months at $ XXXX/monthly!!!
In summary, Capital One Auto finance uses deceptive marketing and financial practices when dealing with individuals with less than optimum credit and most disheartening they use predatory lending practices in the form of interest rates such as mine which was 26.98 %.
Applying that high interest rate to monthly payments and late payments thus padding overall charges leading to inability to remain current with payments. The subsequent repossession of this vehicle also served as a removal of evidence for the lawsuit that was initiated for defects that XXXX XXXX XXXX admitted to not having a resolution for and in a email to me indicating that the company would reimburse me for renting a vehicle on a monthly basis due to the open recall whilst still liable for loan payments to Capital one. Thus ensuring there was no tangible evidence within my possession in the form of the vehicle to produce to investigators and lawyers.
|
07/23/2015 |
Yes |
|
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Web |
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My name is XXXX XXXX, and I am a Capital One XXXX holder. This complaint relates to the dispute resolution process at Cap One, which they claim is regulated by XXXX, yet neither entity is able to provide me a copy of the said offending regulation.
About a week ago, I initiated a claim to dispute a transaction that was charged in error by the merchant XXXX XXXX. Per usual Cap One issued an immediate credit for the transaction and I guess notified the merchant as dictated by their policies. In a span of a week, on XXXX XXXX, 2015, I received an email from Cap One notifying me of an important document available online for me to review. The said document was a correspondence from Cap One informing me that the merchant had apparently responded by sending them some sort of paperwork which I have n't even seen yet, leave alone be able to send in my response. Cap one further noted that they would be reversing the earlier credit they had posted to my account that would be reflected on my statement of XXXX XXXX. I figured that I 'd have at least till then to rebut the merchant 's claim as soon as the hard copy of whatever they had submitted reached me. Guess what? I was dreaming! The charge had appeared online the very next day which is today, XXXX XXXX.
Obviously I called to challenge Cap One 's decision to charge back my account. Now, mind you, I have dealt with disputes and claims process with my bank, XXXX XXXX XXXX, before and even they, as attached as they can get to their research outcome into consumer disputes, are not quite as hard-nosed in handling claims as much as Cap One has been in my experience. In the twenty minutes I was on the phone with them, they told me that they were bound by a regulation from XXXX that mandated that they re-charge my account the instant the merchant named in the claim responds back. They seemed to be indicating that even though I had n't received any copies of the paperwork returned by the merchant yet, even though they were still in the process of reviewing my claim, and even though I had until XXXX XXXX to send in my response once I received those documents, they were obligated to reverse the credit issued barely a week ago and charge me account again. I demanded for a copy of the said regulation they purportedly were bound by in their relationship with XXXX. They could provide me none!! Instead, they gave me a toll-free number for XXXX and instructed to take up the issue with them. Hmpht! Seeing as I am on long-term XXXX, I was n't quite relishing having another testy exchange with another difficult corporate monster. And my reservation proved to be accurate.
Next, I called XXXX at the number Cap One had provided me, XXXX. I had the misfortune of getting a representative by the name of " XXXX XXXX ( I particularly made sure to get this identification before I hung up with her ). In the call which lasted fifteen minutes, she had my head spinning by giving me the worst run-around. I got the feeling that she was perhaps sneering at me with an audience present, and that what she was basically trying to accomplish was stall me so she could get schooled by a supervisor, or manger maybe. Her tone, and a barely audible sound of laughter in the background is what gave me that feeling. All she kept reiterating was that Cap One could not provide me with a copy of such information because that was part of an agreement between them and XXXX, nor would she send me a copy. Her tone did register an element of surprise when I informed her that Cap One 's review was ongoing, and I had n't even had a chance to respond to the merchant 's claims. As my frustration and exasperation began mounting, I then asked her which particular government entity regulated them. She started to school me on which classification her company fell under, how they were not
|
09/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
REQUEST FOR ASAP ASSISTANCE AS I AM LEFT BROKE AT THE HANDS OF OFFICERS OF THE COURT - This is a complete shame that I have to write this complaint as a last resort, but my financial health is currently at risk. I was contacted bu people that are supposed to be licensed practitioners for our judicial system, XXXX, XXXX XXXX XXXX about a debt owed from Capital one ( which I later learned was from an unauthorized account opened by my ex wife ). Regardless of that, I spoke with people from XXXX in XX/XX/2018 to set up an auto payment arrangement to resolve this debt. I gave them my bank card information, and each month, around the XXXX, as of XXXX, they debuted the agreed upon monies. I went to the bank Tuesday, XX/XX/XXXX to see I have {$0.00} in my account, which I knew was wrong because I just was paid that Friday. This Wednesday I visited my bank and it was then that you learned that I learned that there was a levy on my account placed by XXXX, XXXX XXXX XXXX, the same people that I made a payment arrangement with in XXXX. I immediately called the XXXX and spoke with XXXX at their office who told me the levy was placed because I missed the XXXX payment. I reminded her that I had set up auto payments with them, so there couldnt have been a missed payment. She then said it showed that a failed attempt by me to make an online payment is what triggered the levy, to which I said, that is inaccurate since I set up the auto payment. The bank manager immediately began reviewing my account for the debits each month, and found the debits each month, except for XX/XX/2018 ; which I informed XXXX. She then stated she would investigate by Friday, XX/XX/2018, but when I called Friday to get a status update on the investigation, I was given an update that indicated they, again, didnt do as agreed.
Additionally, once I learned they had put a levy on my account, I began researching the laws of New Jersey related to freezing ones account. It was at that time that I discovered that there is an exemption in the state of New Jersey that prevents creditors from accessing anyones personal goods ( money included ) up to {$1000.00}, i.e., XXXX has illegally frozen monies they were, by law, prevented from doing. The intent behind NJ statute 2A:17-19 is to ensure that New Jersey residents are not left without any monies to survive, which is what has occurred right now. Also, XXXX was legally obligated to place in the mail a copy of the Writ which they served on my bank, the same day they served it on my bank, which I have yet to receive, so yet another violation of my rights by XXXX. New Jersey statutes are clear on the procedures surrounding judgments, writs, etc., so what is being done by XXXX is unacceptable and has left me without means to pay bills, eat, or contribute to household expenses without having to request delayed payments from my other creditors and borrow money from family and loved ones.
In an attempt to get this resolved, I faxed XXXX, at XXXX, a copy of all my bank statements that show the debits by them from XXXX to XXXX, while also showing them that no debits were made by them in XXXX. I also informed them of the exemption in the state of New Jersey which requires them to immediately unfreeze my monies, to which I have not received a response to that, either. I needed assistance in getting this resolved as I am literally without any money unless I am able to get it from family, which is embarassing and unacceptable when this is due to bad practice by people that are barred to follow the law. Please help me resolve this since this law firm chooses not to do the right thing. It is Saturday, XX/XX/XXXX, and I have yet to see a copy of the Writ, which I will ensure to contest with the Court, upon receipt ( they were legally obligated to make sure it was sent out to me ).
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11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I am writing to formally lodge a complaint concerning significant inaccuracies in my credit report as reported by Capital One, and the subsequent handling of my disputes regarding these inaccuracies. This complaint pertains to the account with the partial number XXXX, which has been inaccurately reported, leading to derogatory marks on my credit report.
1. Account Details and Discrepancies : Creditor : Capital One Reported Issues : The account was reported as having a past due balance of {$280.00} as of XX/XX/XXXX, with a credit limit of {$300.00} and the same amount as the current balance.
The account status was reported as 'Closed ' and 'Charged off as bad debt ' with a derogatory condition as of XX/XX/XXXX.
There is a discrepancy in the reported credit limit and balance across different credit bureaus.
The account shows a history of late payments in XXXX, which is disputed.
2. Disputes and Responses : Subsequent Actions : Despite multiple disputes filed on, the inaccuracies remained uncorrected. Each time, the response received was that the information had been verified as accurate by Capital One.
3. Impact and Concerns : These inaccuracies have adversely affected my credit score and could potentially impact my ability to obtain credit in the future.
The response to the disputes suggests either a lack of thorough investigation or a failure in the communication process between Capital One and the credit bureaus.
4. Requested Actions : A thorough re-investigation of the account details and deletion of all inaccuracies in the credit report.
A detailed explanation of the discrepancy in the reported information across different credit bureaus.
Confirmation of the resolution of these issues in writing.
5. Legal Considerations : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information in my credit report. The failure to correct inaccuracies despite repeated disputes raises concerns about compliance with the FCRA.
6. Laws Broken : Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting : 15 U.S.C. 1681e ( b ) - This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C. 1681i ( a ) - This section requires credit reporting agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, usually within 30 days.
Failure to Properly Investigate Disputes : 15 U.S.C. 1681s-2 ( b ) - This section outlines the duties of furnishers of information upon notice of dispute, including conducting an investigation, reporting the results to the credit reporting agency, and correcting inaccurate information.
Consumer Financial Protection Act ( CFPA ) : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : 12 U.S.C. 5531 and 5536 - These sections prohibit unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act. They empower the Consumer Financial Protection Bureau to take action against entities that violate these standards.
Missouri Merchandising Practices Act ( MMPA ) : Relevant Statute : Mo. Rev. Stat. 407.010 to 407.130 Key Provisions : This Act prohibits deceptive and unfair business practices. It is broad in scope and can apply to a variety of consumer transactions and interactions, including potentially unfair or deceptive credit reporting practices.
Creditor Contact Information : Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX I appreciate your prompt attention to this matter and look forward to a resolution that corrects these inaccuracies and upholds my rights as a consumer.
|
01/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
I used my Capitol One credit card to order one combination of flowers and strawberries online from XXXX. I encountered a problem so I contacted them by phone for assistance. This one ( 1 ) order ballooned into several different order costs : XXXX XXXX. XXXX Cost : {$89.00} ( XX/XX/XXXX ). After employee placed order, he stated it was no longer available. Thus, he cancelled this order.
XXXX XXXX. XXXX ( second order but used same order no. as first order ). XX/XX/XXXX Employee placed a different order, cost {$130.00}. However I was wrongly charged {$160.00}. I am a Celebration Passport member so should not have been charged shipping/service fees.
Tried again to correct the order for flowers and strawberries. XX/XX/XXXX Employee did not give me an order number, said it would be sent in an e-mail the next day. I never received this e-mail. Cost of the order this time was {$110.00}. Called company again asking for order number e-mail. Never received it.
XXXX XXXX. XXXX was placed XX/XX/XXXX by employee, cost {$120.00} after employee removed shipping and service charge.
Ordering this one flower arrangement and strawberries had become so confusing that I called the company on XX/XX/XXXX and asked them to cancel everything. I did not want any flowers or strawberries at all. They assured me they would cancel the order and that no flowers or strawberries would be sent. Eventually the company refunded {$160.00} to my card after several phone call requests. However the cost of {$120.00} was not cancelled as promised. I worked with five different employees trying to make sure order was cancelled. One employee assured me stating we were on a recorded line and that she was an honest person. Finally employee assured me order was cancelled and I would see it on my statement in a month or two. I asked for an e-mail confirming this. I never received it.
I responded to credit card company request letter. I provided the following as requested : case number, merchants name, date of transaction, disputed amount, my response to documentation sent by merchant, screen shots of all orders as everything was done by phone ( there was no sales invoice or a purchase agreement ).
dates and times of phone calls with employees when ordering and cancelling order, a copy of my phone log, and my phone text log.
Answered NO to the question, were you advised of the cancellation/return policy at the time of sale?
I printed screenshot of policy for damaged items/refunds/redeliveries and exchanges.
I faxed my response via XXXX on XX/XX/XXXX at XXXX to the credit card company ( 13 pages which included screenshots of order, and phone logs. ) Information was due to them by XX/XX/XXXX. I received a response XX/XX/XXXX from credit card company stating that I did not send all of the information requested needed to validate my dispute. They stated that based on the information they have, they are not able to assist with my claim. They said to contact the merchant and work directly with them. They considered my case closed. They did not identify the information they said was lacking. I had sent information detailing how I had worked with 5 different employees trying to eliminate the problem.
The credit card company said I would receive a letter in the mail so to watch for it. I never received this and noted that charges were back on my card. I contacted them and was told the document was on line. I asked where to find it and was told to click on I want to link, then select view online documents. In XXXX I had a dispute with a hair company and never received anything in mail from credit card company. They put that charge back on my card. It was not until this situation that I learned a document was in this online place for that dispute. However, each time I was told the information would be mailed to me.
|
03/16/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
XXXX XXXX sent through XXXX XXXX XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX I was contacted by email, a person that offer me a Job Interview for accounting position, his name XXXX XXXX. He give me and interview and say to wait for his respond for that he will get back at me XX/XX/XXXX. XX/XX/XXXX he call me say I have the job. So he tell me he is sending me a check that will cover for all the materials I need, he ask for my address I give it to him. He told me that he will contact me as soon he delivered the check to not text him until he text me back. Then the check arrive like in less than 24 hours. When I open it it was in the amount of {$4900.00} I deposited in my account. He contact me told me to take money out in cash from the bank I say no I have XXXX right he say ok send it to this email XXXX so he say it say it cleared the check {$500.00} send it to me because we going to order the program you need to start training next week and a technician is coming over. I was like ok I send the money. And then he say to me brake all paper because the other person I need to contact is XXXX and his account is been hacked. Dnt used that email XXXX. So then he told me. On Friday the check is going to clear because is showing it here in the computer. I was like, How he know? But I really XXXX I was getting a Job. So Friday I contact him let him know check clear he say send me {$1000.00} the company is going to order all you need. I say ok then say send another {$1000.00}. For me I didnt know I XXXX, I was been scam. I say no Im not thats they money any way. So then the scammer told me buy 4 XXXX cards for {$500.00} each to order all the materials for working. I say ok. I went to XXXX and buy 10 cards for {$200.00} each. He say send them to me one buy one. I did. Then after that I was so concern About my bank didnt send me a notification or let transaction go through like nothing it have never happen, so I call the bank at XXXX XXXX. And speak with a man and tell him why the bank didnt send me the notification first time this happen since I been with the bank my daily spend cant exceed {$1800.00} All transaction grader The get declined. He say since covid 19 the bank exceed the limit to {$2500.00} dayli for all costumers so they can used they money when ever they want. I was like no way I always have to call in. I explain my job situation to the man he say it dnt sound like a scam to me is that this days thats the way they doing things virtual by texting. I was are you sure because I read something about scam when I put my bank card on the device to pay. He say I know but know all is like that technology. I was like ok. Any way the job man XXXX contacted me and ask me to get {$250.00} more inXXXX icard I went back and buy it. After that he was asking me for more now he ask for my credit card. I was like Im scam now I realized. I was like no I cant so I call the bank XXXX and I sited to speak to someone else about this situation because I want to know they opinion and to help me. I didnt know what to do. So I speak to a lady and yes she told me dnt contact that person any more we cant do anything I told her but cancel the XXXX she was like I cant help you sorry the money went to the vault. I was so frustrated. Now Im lost but I call back XXXX and speak to some one in the bank I told her what the other lady told me how ever she say she cant help so I told her impossible it havent pass but even 6 hours of all this, she say you can try call XXXX and see I say to her thats my next step thank you I already have the number so I call XXXX and the gi say she will try to help and she give me back from the XXXX XXXX {$1000.00} 2 times then the {$500.00} are in investigation. I also contacted XXXX. For the {$2200.00} they say they are investigating.
|
10/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
RELIEF SOUGHT : I am seeking relief from any and all agents, clients, persons, individuals, entities, representatives, debt collectors, debt collection entities, debt collection servicers, and anyone and anything in a paid or unpaid connection or relation to any and all former, present, and future companies, entities, businesses, clients, and the like associations with XXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned.
The aforementioned have claimed that I owe debt. Any and all claims and assertions that I owe debt are unsubstantiated and the alleged debt is time-barred. The aforementioned have sent me " Settlement Offer '' letters. I have not been sued, nor have I ever been served. The " Settlement Offer '' letters imply that I have been sued or will be sued if I do n't " settle. '' The aforementioned can not sue me on time-barred debt. The time-barred alleged debt allegedly has been time-barred for close to or over a decade. The aforementioned have failed to disclose that the alleged debt is too old for litigation and has implied a legally enforceable obligation to pay the alleged debt.
To be clear : This complaint is not a dispute. I am not disputing nor acknowledging a debt or an alleged debt. I am not disputing nor acknowledging the amount of the alleged debt or any amount or portion thereof. I am not requesting documentation of the time-barred alleged debt. I am not seeking verification of the time-barred alleged debt. This is not a dispute, Section 809 ( c ) of the FDCPA, 15 U.S.C. Section 1692g ( c ).
The aforementioned have violated federal and state law. I want the aforementioned to stop harassing me and to stop collection. I seek that aforementioned not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. Unless the aforementioned complies with my sought relief, I will pursue legal action.
VIOLATIONS OF LAW : Sections : 1031 ( a ) and 1036 ( a ) of the CFPA, 12 U.S.C. Sections 5531 ( a ) and 5536 ( a ) : Unfair Deceptive and/or Abusive Acts or Practices by falsely representing the character and legal status of the debt. Section 807 of the FDCPA, 15 U.S.C. Section 1692e : Prohibits Debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. Section 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt. Section 392.304 ( a ) ( 8 ) of the Texas Finance Code, Title 5 Chapter 392 Subchapter D : Fraudulent, Deceptive, or Misleading Representations by misrepresenting the character and legal status of the debt and implying the alleged debt is in a judicial or governmental proceeding.
CEASE COMMUNICATION : Pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c, I am writing that, upon closure of this CFPB complaint, I wish the aforementioned, debt collectors, and anyone and anything that not specifically mentioned but may have been, may be presently, or may be future connected or related to any and all of the aforementioned to cease any and all further communication with me. This notification from me to the aforementioned establishes, constitutes, and satisfies reasonably the requirements of Section 805 ( c ) of the FDCPA that my requests for cease communication must be in writing. Upon closure of this CFPB complaint, all communication must cease.
|
07/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
Capital One failed to comply with regulation E 1005.6 as well as regulation E 1005.11 ( b ) ( 1 ) and is now suing me...
In XXXX I disputed a charge on my statement resulting in credit reimbursed to my account. Upon the next statement same transaction is listed again. I contact Capital One and inquire if I needed a new credit card or if they could just block the merchant from future charges to my account.. no problem they said we can block the merchant. I already had {$100.00} a month payment set up deducted from my checking to apply towards the credit card balance and since I wasn't using or had no intention of using the card in the near future as well as starting a new career I didn't pay attention to my statements after this service rep told me they could handle it.. the next time I did look at my statement there was a multitude of fraudulent charges on there including recurring charges from the merchant that Capital One told me they would block from making future charges to my account. I did not have paper statements and I did not have access to my digital statements but rather learned of these charges via a periodic account balance notification email that seemed to be rising rather than diminishing, so immediately contacted customer service Capital One and as the rep was going over my statement with me transaction by transaction informing me of all the account activity my statement was showing and thus me informing him of all the fraudulent activity he was telling me that my account had incurred.. at that time I demanded the account to be locked no more purchases to be processed whatsoever... I made payments on this account for what seems like 2 years never really understanding how the fraud took place my only interpretation was that it had to be someone from inside Capital One.. I don't have access to my account @ this time my account has been charged off I'm in default and facing a lawsuit I've already been served a subpoena and my answer is due in 4 days ... However I have undeniably proof for I have found a couple screenshots of my statement that verifies such fraud. One screenshot shows four different charges ( and I intend to include an attachment of this ) all of which any fifth grader could recognize as fictitious laugh in your face out loud merchant names all containing the same reference number.. how do four different retailers have the same phone number transaction reference number or whatever it may be referred to as I'm not sure.. it was not until emergency funding was needed and extensive effort was needed to unlock the account did I finally reached a manager who was sympathetic to the fact that I had been told over and over and over again that the account was unlocked and it was good to go when it wasn't until I went to make a transaction at a retailer that I learned the account was still locked multiple times, however she assured me if I would stay on the line it may take over an hour but she would get the account unlocked and eventually did at which time she asked if there's anything else she could do and I began discussing the activity listed above which she told me that Capital One was wrong by misinforming me and that they should have immediately issued me a new credit card number and she again assured me she would help resolve the situation when she called me the next day and I never heard from her again nor have I ever heard anything from Capital One about any type of investigation and I'm not certain but I'm pretty sure I never received even the recurring charges refunded from the merchant that they were supposed to have blocked.. but there were several other {$20.00} Petty charges as well.. not certain but I believe the total amount roughly {$500.00} and I paid interest on that for 6 years and now they're suing me for {$3600.00}
|
09/03/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
The " loan '' documentation was not explained to me in its entirety, in true faith of equity and/or good conscious. I was never told that I was the original secured party creditor on the account nor was i ever told the true nature of the agreement that was being made. As a consumer, natural person and only authorized agent and representative I was never informed what was happening or what was being agreed to and this went against my reserved rights pursuant to UCC 1-308. When I found out this deceit and fraud that was hidden purposely, I reached out to Capital One Auto Finance on XX/XX/2021 via telephone communication after receiving an electronic communication on XX/XX/2021 expressing that it was an attempt to collect a debt in an amount of payoff XXXX. I never knew the fraudulently loan was now in debt collection status or that all attempts and payments i was making was being sent to a debt collector who also was charging illegal fees. They misinformed me by misrepresenting who they were and kept me in the dark leading to further violations that i was never made aware of until now. I was on the phone a hour or better on XX/XX/2021 and I have most if not all of the calls recorded and will submit into evidence if i need to. I spoke with several agents and let each of them know call was recorded and that i was disputing the validity of the debt and that i was in need of further validation of the debt as pursuant to 15 usc 1692g and also set the cease and desist in place. It was so hard for me even to get to someone to dispute it. they kept giving me the run around. I also had agents tell me the contract was valid, that the amount owed was correct, and that capital one in fact was the true creditor when all of this is not true. I kept requesting to speak with someone regarding the alleged fraud/debt and was told someone would give me a all from the Office of presidents. I spoke to this dept on XX/XX/XXXX again disputing the debt and asking for more information for validation and verification purposes. He stated he would send the requested information via mail within 30 days however this was not done.
On XX/XX/XXXX at XXXX XXXX they sent me another electronic notification about the alleged debt which i assumed was in error but then again on XX/XX/2021 so at this point i knew they were not accepting or placing the account in dispute as it should have been or in cease and desist status while validation was completed. Because i was getting nowhere with them and CRA still showed no dispute status, on XX/XX/XXXX I went on transunion via credit karma and submitted a dispute letting them know that the alleged account from capital one auto finance was never validated and that it was in dispute and that without proper validation and verification it was fraudulently placed and should be removed. I received results back on XX/XX/XXXX from transunion that stated investigation they did was completed and information was found to be correct so they would not be delete it. It still to this day does not show in dispute.
Today, XX/XX/2021, I submitted another dispute via credit karma to transunion asking for validation or deletion and I also faxed, as i was told i could do, a validation of debt letter with more dispute information attached. I called today to find out if the information was received and no one would answer me told me they would need to give me a call back they did however confirm the cease and desist was active on the account so this tells me they got dispute info and yet never reponded which is fraud and lets me know that they can not validate this alleged debt. they told me again someone in the office of president department would call me back again. I am tired of fighting with these companies and am in need of further assistance to protect my consumer rights.
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12/16/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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XXXX ) Long term unreliability of email alerts. Roughly every XXXX months to a year, an import email alert is not delivered, thus nearly missing payment. I check online alert history, and it is stuck " processing '', and later the contact point email goes to " unreachable '', thus disabling all alerts. I have gotten regular tech support to finally ack that they would fix it, but XXXX months later, alerts again get XXXX. After trying again, I have gotten a letter back stating that I must check with my isp or use another email address, again they do not understsnd the scope of the problem. I know the problem is with Capital One 's as I own my own mail server, and there are no attempts to deliver email at the time, nor do I use XXXX filters on that mailbox or anything else thay would reject Capital One 's email. In exchanging emails with corporate, I am unable to get them to ack it, let alone solve the problem. The vibe I am getting with corporate is as if they are n't understanding the issue, skim reading my emails, then ultimately XXXX on me by continually requesting that I call XXXX support, thus re-starting the whole process with useless tech support, and thus corporate does not understand why I 'm trying to escalate to them in the first place.
2 ) They 've overhauled the mobile website. An initial problem I have is I am unable to log into the new mobile website from the very browsers it was writted for - a XXXX galaxy tab XXXX When I press the green button, the page simply refreshes with the XXXX XXXX cleared and no error is given. They XXXX tls XXXX on the desktop website. All in all, this is the sort of thing I am tired of - websites suddenly overhauling, and even if it works on my browsers, having fo re-learn the website again, having to wade through the ever increasing heavily active scripted eye candy and silly animations, with settings changes and payments now on pop ups on the mobile site now. XXXX : XXXX available a simpler website version that does n't abruptly change or change often, simple scripting that works on older browsers and is not an eye candy laden eyesore and slow. The aim here is to make routine actions day in and day out such as looking at my transaction history and make payments much simplier and faster without getting frustrated with the eye candy and everytime the website is overhauled. - whether the new site works on my browser or not. As an additional suggestion - make another payment only website that accepts some basic information to find your account. That is, so I do n't have to wade through eye candy and remember passwords to make payments. To summarize : stop abruptly changing the website with ever increasing heavy active scripting and eye candy, and other major changes such as disabling tls XXXX without at the very least notifying me first. XXXX simpler scripted and less eyesore websites available seconday at least. XXXX has not ack'ed this either, they just want to send me to te h support again. XXXX is in the dillusion that just because they can see it work the lstest and greatest version of XXXX, they see no issue. The real issue here is I am not going to have to buy a new computer jusy to be able upgrade my browser, just to look at the same old transaction history and make payments. It 's a pain because I have to go to a particular computer and browser combo to access XXXX. They whole thing is built to spurr consumerism - I have to buy a new computer every 5 years just to look at the same old transaction history and make payment, let alone relearn the whole website again and deal with the silly eye candy. *If paper could be made to not be viewable with certain eyes, corporate would do that to sell more eyes at the hospital.
3 ) I have been unable to log in via phone XXXX. It just send me to a rep, and not the menu.
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11/11/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I've respectfully requested Capital One Auto Finance on XX/XX/2021 to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Capital One Auto Finance failed to validate the debt, therefore the item must be deleted from the report as soon as possible. The item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, Capital One Auto Finance had thirty ( 30 ) days to complete their investigation. The 30 day mark has come and gone. Therefore, Capital One Auto Finance has violated my consumer rights.
On XX/XX/2021 I've spoken with 2 agents on explaining to them how they violated my consumers rights by failing/ignoring my validation. Everyone is entitled to a debt validation. On XXXX XXXX agent I've spoken with an agent named XXXX Id number XXXX. I called to put in a complaint for failing to respond to my validation. XXXX just so happened to admit that Capital One Auto Finance send me a " generated template '' response on XX/XX/XXXX stating their is more information needed on my end. Which is very confusing due to the fact I was very clear in terms of I what I wanted which was a " Validation ''. The letter stated my name, address, the account number along with a very detailed breakdown of what a validation is. XXXX admitting to the company responding back with a " generated template '' on a recorded line which just so happened to be proof that no one from the company performed a proper investigation. What more information do you need? This template was a stall tactic. Something Capital One Auto Finance is very famous for. The burden of proof is on you not me.
I've also spoken with another agent named XXXX id # XXXX on XX/XX/XXXX the following day whom was very rude & dismissive. XXXX was upset I knew the FCRA laws, companies hate it when you know your consumer rights especially when you exercise your consumer rights on them.
On XXXX I've spoke with XXXX agent number : XXXX she was from the president department. I was hoping considering her being from a higher department she could help me and explain why Capital One Auto Finance refused me of a debt validation. Boy was I wrong, I'm not questioning XXXX XXXX intelligence at all but she lacked the knowledge for FCRA laws very badly. So I requested someone from a higher department to give me a call.
Days later on XX/XX/2021 I received a call from an agent named XXXX agent number : XXXX from the Internal Credit Reporting Team. When he stated the department he worked in, I was so relieved and happy and thought to myself finally, someone who knows about the FCRA laws. Boy was I wrong! Wishful thinking on my end. XXXX was so confused to why I requested a call from his department to begin with. I so confused because I thought they document everything. The conversation with all agents was just proof on how unorganized the company is along. In fact XXXX had ''Zero '' knowledge about the FCRA laws. It was like talking to a kid literally.
Such a horrible experience.
All I wanted was something that I am entitled to, and that is a validation from Capital One Auto Finance and they failed me of that. I feel so violated that a company can violate one 's rights. This has caused me financial loss for employment opportunities which is very devasting due to the fact we are suffering enough from the pandemic COVID-19.
In this complaint I show proof of : -certified receipt - debt validation letter
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12/30/2015 |
Yes |
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Web |
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On Tuesday XXXX XXXX, 2015 at approximately XXXX CST I was transferred to a Supervisor by the name of XXXX , Agent ID # XXXX. The purpose of my transfer was to have a {$100.00} pending transaction to be released from my account from a hotel I previously checked out of the same day ( XXXX XXXX, 2015 ). XXXX ( supervisor for Capital One ) conferenced the Merchant 's Account Specialist by the name of XXXX XXXX to verify if the pending transaction could be released. XXXX XXXX authorized XXXX to release the hold. Upon releasing the hold, XXXX the representative for Capital One disclosed my available credit while the Merchant was on the line without my consent. As soon as the Merchant disconnected the line ; I brought to XXXX 's attention that she just violated my privacy by disclosing my available credit to an unauthorized Third Party. This act is a Fair Debt Collection Practices Act ( FDCPA ). XXXX apologized ( the apology was not sincere and was very nonchalant ).
I asked XXXX to transfer me to her Manager in which she refused to do so. I advised XXXX, I have been a customer with Capital One for over eight years and I have spoken to several Managers in the past. I asked XXXX for Capital One 's Corporate Office 's telephone number so I could write a complaint. XXXX refused to provide the information. I asked XXXX 's for her Manager 's name and Agent ID Number which both was provided. XXXX 's Manager 's name is XXXX XXXX ID # XXXX. I asked XXXX several times to please transfer me to XXXX ; however, to no avail, XXXX declined. I asked XXXX to put in the request for XXXX to call me back but XXXX declined by stating, " She can not put in the request for my Manager to call you back ''. I advised XXXX, she was not getting out of this situation and that I was going to continue to hold until I was transferred to a Manager. I also advised XXXX, she was going to lose her job behind this incident because I know the call was being recorded and she had done nothing but lie during our entire conversation.
I passed the phone to my mother who advised XXXX, " We were going to continue to hold until we were able to speak with a Manager ''. My mother and I asked to be transferred to the President of the Company 's but XXXX still would not provide the information. XXXX finally put me on hold and transferred me to another member of Management by the name of XXXX XXXX ID # XXXX. I advised XXXX of XXXX 's misconduct and violation of my privacy laws. XXXX agreed that XXXX should have not given my account information to the Merchant 's without my consent. XXXX provided me with the fax number to Capital One 's Complaint Department. I asked XXXX for her Manager 's name which is XXXX Agent ID # XXXX. I advised XXXX I was going to sue Capital One for this violation of my privacy rights. In addition, I asked XXXX for their Department 's Executive Vice President 's Name in which, XXXX responded and stated, " I do not have this information ''. I advised XXXX, I find this unbelievable that she does not know the Executive Vice President 's Name and she is a member of Management.
XXXX, " Asked how she could remedy this instance that occurred today ''. I asked could she raise my credit limit XXXX stated, " This has to be done through our credit increase department ''. XXXX offered to provide a {$50.00} statement credit for the inconvenience. I advised the credit would be sufficient. I asked XXXX, what ramifications the agent XXXX would receive for this privacy violation? XXXX stated, " She would give the proper feedback to the agent ''. I advised XXXX, the agent should be terminated because if I had violated a consumer 's privacy at my company I would lose my job. I also asked for XXXX to partner with me and review the call. The call was ended.
I need for someone in Upper Management to contact
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07/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Dear Consumer Finance Protection Bureau, This is additional information for case COMPLAINT ID XXXX REGARDING : Capital One dispute policies and investigation/ fraudulent activities YOUR MECHANIC Dispute Claim Number # XXXX Claim Number : # XXXX I am adding an email on XX/XX/2020 from XXXX XXXX XXXX President, XXXX XXXX stating that my money will be returning {$150.00} from Your Mechanic as I claim that Your Mechanic was wrong for scamming me. ( see attached ) I am adding an email on XX/XX/2020 from Capital one card services investigation who refuse to inform me why my dispute failed however telling me to go back to the Merchant for my funds {$150.00} after I provided proof of the scam ( see attached ). It is my belief that Capital one is involved with the conspiracy and not in the best interest of the customer XXXX XXXX however serving special interest Your Mechanic.
It is my belief that Capital one card investigations is a part of the scam, conspiracy, and deceitful practices ; refusing to conduct a fair and impartial investigation on my behalf as a customer, especially after I provided proof. I believe that Capital One card investigations need to be investigated on their policies, practices, and participation on scams. How they treat protected class customers. Capital one bank card services will communicate with Your Mechanic who is not a customer ( XXXXowned ) and refuse to communicate with me.
I called for Capital one escalation department to call me since XX/XX/2020 and Capital one supervisor XXXX and XXXX inform me that the department will call me within 14 business days, they have not returned my phone call as of yet.
I received a letter from Capital one to get a car loan but How can I trust a bank that refuses to fight for me against scams?
SUMMARY On XX/XX/2020 Capital one denying my claim ( see attached ) without an explanation. I sent the Consumer Finance Protection Bureau my dispute on XXXX as Your Mechanic sent different lies of communication to XXXX XXXX XXXX ( XXXX ) and Capital One Bank. Your Mechanic admitted to XXXX that they changed theirs policies from adjustments or refunds as I filed a dispute with Capital one bank on XX/XX/2020. I disclosed this to Capital one card services however they chose to ignore such evidence.
Capital one card services state that I refuse diagnostic as I provided evidence that Your Mechanic was also uncooperative as they refused to communicate with me on several emails and phone calls to diagnose, repair, and honor their warranty on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. ( CFPB XXXX ). On XX/XX/2020, Your mechanic told XXXX that Warranty on file and told me to contact them for warranty repairs, I contacted Your mechanic on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Warranty is for 12 months and XXXX miles for the brakes ). Your mechanic tried to charge me {$89.00} for a diagnostic which is against the warranty.
As I provided evidence, Capital one card services and supervisors harassed me in several inquiries, to get another mechanic inspection report and my funds we be return to me of {$150.00}. However, Capital one card services fabricated and return the funds back to Your Mechanic.
I am on a fixed income XXXX person and I have bills set for me every month. To take money away from that I can not afford will cause a negative and Capital one is causing it. If there are legal options I can pursue or any justice to stop such injustice and dishonesty I will participate. All the evidence I provided COMPLAINT ID XXXX, Capital one bank is dishonest and conduct a false investigation to protect Your Mechanic for personal matters. As a customer, I am not protected by this bank from any scams. I find Capital one to be discriminatory and less interested in serving the little people in the bank.
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10/25/2016 |
Yes |
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Web |
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This complaint is against Capital One Credit Card negative account in my credit report. This negative account is hurting my credit, but makes a false claim. I do not owe Capital One any monies : Capital One was the first to brake the terms of the credit card agreement. In fact, Capital One has already taken this claim to court and the case was dismissed. Capital One claim is just wrong.
Capital One broke the terms of the credit card when they deny my right to dispute a charge in my account. In 2010, I moved and was scamed by the moving company shiiping my stuff : in order to deliver my stuff, the merchant demanded a cash payment, when I had already paid for all merchant 's services with my credit card. Consequently, I disputed merchant 's charge on my Capital One credit card. However, Capital One denied my right, per the card 's terms and conditions, to dispute the charge.
In order to deny my right to dispute the moving company 's charge, Capital One requested additional information ( which I had already provided in previous corresondence ) and only allowed me 24 hours to submit it, else Capital One would close the dispute. Capital One requested additional documents in a letter dated XXXX XXXX 2010. The letter was delivered on XXXX XXXX 2010 and it required the supporting documents to be received by XXXX XXXX 2010. Since I was out of the country ( as Capital One could have guessed from the charges in my credit card ), I did not find out about the 24 hours deadline to provide supporting documents, until it had expired. I was still able to submit the requested document within a week. However, Capital One disregarded my submission and closed the case. I filed a complaint argueing it was not reasonable I was only given 24 hours to reply Capital One 's request. I wanted Capital One to continue my dispute against the moving company. Capital One gave the excuse the time XXXX allows them to process the dispute was very short and to meet that timeframe they could only allow me 24 hours to reply their request for supporting material. This was all a lie by Capital one. I called XXXX and was told they do not set time limits to process disputes. in any case, I had filed my dispute less than 3 months after the credit card charge and my submission of suporting documents was less than 5 months after the credit card charge. Nevertheless, Capital One insisted to close the dispute, removed the temporary credit I had received and demanded I pay that charge. Since I considered Capital One had not respected my rights and had broken the terms of the credit card, by denying my right to dispute a charge, I informed Capital One I was not going to pay that charge and was not going to use my credit card ever again. Capital One very quickly added late fees and finance charges, until the balance reached around {$1500.00} and they charged the account off.
Capital One continued demanding I pay the card 's balance in full. but I never agreed to Capital One 's claims. Eventually, Capital One realized that and decided to take its claim to court : the case was dismissed. So should now this negative account from my credit report, since Capital One 's claim is wrong.
As a side note not relevant to this credit report dispute, I need to say it is really unfortunate, Capital One Dispute Department is the worst from all credit card companies I have ever dealt with. I had already had previous experiences where Capital One Dispute Department was very incompetent and unhelpful. I liked my Capital One credit card. It had good conditions and I used to use it a lot. I was a good client and was never late in my payments. However, I had to give it up as I found unacceptable Capital One would let me down : they denied my right to dispute an incorrect charge and so allowed some merchant to scam me.
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05/05/2016 |
Yes |
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Web |
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I got a credit card from Capital One, then due a variety of unexpected events I ended up with a higher balance than I intended. I understood when I got the card that I would have 0 % interest until XX/XX/2016, after that I would start paying interest on any balance after that time. Because of this I began pursuing other methods of paying my balance in a more manageable fashion than dealing with the oncoming high interest rates of this card. I then received an offer from Capital One regarding balance transfers. I called to ask questions about the offer and to see if it would affect my current balance. The person I talked to said the offer would n't affect my current balance, but that was irrelevant because I would never have to pay any interest on my balance anyway. This was news to me so I had him further clarify. He then told me that only purchases after XXXX XXXX would incur interest, and that any regular purchases I made before that date would not ever incur interest. I then stopped perusing other methods of paying off the balance, and made other purchases on the card.
However, after XXXX XXXX I saw I had a substantial interest charge on my account. I called Capitol One to dispute it because I had n't made purchases on the card from XXXX XXXX onward. The person said that it was the interest on my entire balance. I explained what had been told to me during my last call and she thought I simply did n't understand what my terms were, but I made it very clear that I did understand how my card worked. I said that if they were to go back and listen to the conversation I had with the representative, they would clearly hear him explain that I would not be paying interest on regular purchases before XXXX XXXX. She said there was nothing she could do, so I asked to speak to a manager. The manager said that he would waive that interest change, then the call dropped. When I called back they said I would n't be able to speak to that manager again, but they could get another manager for me. When the new manager got on the phone she also claimed that I simply misunderstood how credit cards worked and tried to explain it. Again, I had to make it clear that I did in fact understand how it all works and that before talking to the person in my original phone call, I thought that was how my card worked. It was only after I was clearly told by this representative of Capital One, did I understand it differently. I took the representative 's word because I should be able to assume that a representative of Capitol One would have a better understanding of how my credit card works that I do. If I was in fact mislead by your company, I, the victim, should not be the one responsible for that mistake. She said she understood I had been misinformed by the company, but that the only thing she could do at this point would be to take off the single interest charge, but it had already been done. She said there was no way to remove or prevent future interest charges, even if I had been mislead. I asked for the recording of the original conversation and she said they do not give the recordings to the customers. I then asked if could at least have a lower interest rate, and she said no.
Because a representative of Capital One grossly mislead me, my original plans to pay off the balance have fallen though, I made purchases I would have never made had I still had my original understanding of my terms, I have to make much higher payments than expected, I might not even be able to make a dent on my balance because of interest charges I am now stuck with, and my plans to return to school in the fall could also fall through. They did almost nothing to correct their company 's mistake. On top of all this I was repeatedly treated like a dumb girl who does n't understand how credit cards work.
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07/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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In XX/XX/XXXX, I was a victim of fraud. Someone I trusted told me that they would pay my credit card bill if I would help them with some cash in the short term. I did give them permission to use my account and they used a different fraudulent / stolen bank account to pay my Capital One balance. I slowly began to realize that I was being defrauded. When I contacted Capital One and could not verify that I was the owner of the bank account that had been used to pay my credit card balance, the balance that had been paid off was charged back to me plus fees, I was far over my credit limit, and my card was restricted so that I could not use it. This of course had a very negative impact on my credit score.
I tried to speak with Capital Ones fraud protection department many times, explaining the situation, asking for ways to remove the restriction and/or acknowledge the fraud and lower the total balance to reflect the theft that had taken place. I spent hours on the phone with their representatives. They ultimately said that, since I could not verify ownership of the bank account used to pay my balance, they could not lift the restriction on my credit card account.
I included this information about Capital One when I filed a report with identitytheft.gov on XXXX, and I also sent Capital One a letter on XXXX asking for action to be taken about the fraud on my account. I received a response letter dated XXXX saying that they had investigated and found no fraudulent activity, and so would not be taking any action on my account or credit report.
I did not have additional time to spend on the phone with their agents, so I decided I would just pay off the balance when I could and close the account. I made regular payments throughout XXXX and was able to pay the final balance on the account on XX/XX/XXXX. There was a {$0.00} balance when that payment posted in XXXX.
I began receiving letters in the mail, and phone calls, from Capital One stating that my account would close. I dont recall the reason given on the letters and unfortunately I did not keep a copy of them ; I received probably at least 10-20 letters and daily phone messages for about a month. At one point I spoke with a Capital One employee when they called, and they wanted me to verify ownership of the bank account used to pay the balance on my account in XX/XX/XXXX, and I explained again that I could not verify because I was a victim of identity theft. They said they could not help me. I said I would just let the account close, and the employee said it would just close on its own automatically.
Not only did Capital One NOT close the account as they stated they would do in many letters and on the phone call, they kept it open and have continued to charge me interest fees on the XX/XX/XXXX cash advance, even after I PAID MY ACCOUNT BALANCE IN FULL. It has charged me late fees because I did not pay the interest fees. There is now a $ XXXX balance on the account. Im sure they have also reported past due payments to credit bureaus and disputing those negative reports is next on my to-do list.
I called today, XXXX, to speak to someone at Capital One about these incorrect charges. Because I have a new phone number / cell phone ( switched carriers ), they could not verify my identity or help me with the problems on my account. They tried several ways and were not able to reach my phone. I tried to change my phone number on the Capital One website and could not do so. Therefore, at this moment, it seems I have no way to speak to someone who will be able to help me.
I have outlined, in a written letter, the actions I expect Capital One to take to correct my credit score and close this account. I am contacting the credit bureaus, the XXXX XXXX XXXX, and consumerfinance.gov with all of this information.
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08/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Earlier this year starting around May I started noticing fraudulent activity posting to my capital one checking account via XXXX. As a result I had an investigation launched and recouperated {$1500.00} that was taken from my account. Then weeks later after getting a new card I had another charge for {$10.00} come out my account with the charge being made to some XXXX based company called XXXX. I reported this as well and was reimbursed. Fast forward to these dates. Despite calling capital one and reporting the initial {$600.00} on XX/XX/XXXX Capital One did not block the merchant on all my accounts and only issued one new debit card. So we have the first set of charges : XXXX {$500.00} XXXX {$100.00} then : XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$1.00} XX/XX/XXXX - {$500.00} Came out my account due to Capital One not closing all my debit cards which resulted in yet more losses, but wait it gets better.
THEN on XXXX {$800.00} came out my account despite my reporting the first & second set of fraudulent activity to the claims team.
They have denied all of my claims and the subsequent appeals despite my submission of ample evidence that I did not authorize these charges, and have ended our banking relationship. They never provided me any evidence as tbey stated they would to refute my claims, and have caused me to be without these funds for months now. As a result my credit score plummeted I lost {$4200.00} of my assets stored within my checking, and savings accounts.
My personal/banking information clearly was compromised which is reflected in the account activity I reported to them before they opted for closure of all accounts linked to said transactions. Despite numerous attempts to settle the disputes with Capital One, and contacting support from the initial {$600.00} charges to secure my accounts the subsequent charges came out. They have told me only you all can remedy the issue at this juncture and I'm out a total of {$4200.00}. Among other numerous damages totaling far more monetary damage from these events. You all had a glitch in your system which allowed all activiry to post as XXXX XXXX XXXX XXXX despite me notifying my bank and changing my information with you all, subsequent charges continued to post. I have tried to recouperate my funds numerous times over these past months and am beyond frustrated. I no longer utilize capital one for banking as they are currently in litigation for a XXXX data breach, and ended our banking relationship. I HAVE ZERO FAITH in Capital One as their security/account management team 's negligence facilitated my account ( s ) information to be utilized to steal my money/defraud me of an excess of {$4200.00} from XXXX XXXX XX/XX/XXXX. Had Captial One 's banking system not glitched allowing such postings to actually post, my accounts would still be active and my first attempts to secure my funds and information would have been adequate. I have taken full steps to secure my own personal information and opened new bank accounts, but incurred a % 56 higher entergy bill for the month of XXXX totaling {$400.00} and had to liquidate stock positions to secure funding to open said new accounts. As well as pay for cost of my living. I lost hours on hours of time trying to get this handled only to be talked in circles and left out to dry. Furthermore, by not notifying customers regarding the XXXX XXXX posting glitch is blatant negligence. Furthermore, the accounts remain in a state of limbo currently meaning they are opwn but i can beither use or withdraw the remaining funds.I refuse to accept this ruling by them as they are simply not doing their jobs adequately & have cost me thousands.
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09/13/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I am trying to improve my credit score and opened a {$300.00} credit card account with Capital One.I chose them because they were advertised on XXXX XXXX and they give the cash back option for all purchases. I started using it for everyday cash purchases and using the online function to pay the bill after it would reach a point as long as I had the amount in my checking account. I stayed in touch with Capital One 's call center and had suspicion it was n't in the USA but did n't want to be labeled a XXXX. I travelled out of town to California to visit my little brother who has XXXX. While doing so I made a payment and unbeknownst to me, a family member at home who has access to my personal bank account in case I should die, removed money for their valid use without my knowledge causing my payment to be rejected. When I returned home and found out and before Capital One knew about it, I called to notify them and let them know what I was doing to remedy my balance with Capital One. Shortly there after within a few days, I received a call from some foreign sounding man, telling me my bank had refused to give him my personal banking numbers, including routing, Social Security number, address, etc. etc. He demanded I give it to him, I refused, He got irate and wanted me to email him the info, i refused, he wanted me to XXXX call my bank, I refused and politely asked him to put it in writing on official capital one letterhead. He was n't happy and started threatening that he was going to suspend or restrict my card, to which I said something to the effect of give it your best shot and hung up. My account was restricted and I made numerous ( XXXX ) calls to follow-up and resolve it. I did receive a letter telling me they suspected fraud 10 days later and that I needed to call to resolve the matter. Nothing in writing said I had to provide my personal info in writing to Capital One. I did manage to get on-line and delete my bank info for online paying of my bill. The next day I was restricted from signing into my account. The following day I could sign in. I spoke to someone in the escalation department, again, they wanted that personal info. I said no, that 's not their concern and I was using it according to the rules. i then asked, If they did not release the restrictions to close the account. They atre refusing to close my account until I Provide Them the information. I have paid it down to XXXX and they still will not close my credit card account. I have asked numerous times for the name and address of an executive in the USA that I can write to that will have the authority to close my account and they refuse to give me that. Today I just got done speaking to them and asked to be transferred to a USA call center since I was connected to a XXXX call center, again I was transferred to a " XXXX '' in XXXX. Again I did not get my account closed. This is not right and I 'm probably not the only XXXX. I suspect fraud on their side at the expense of elderly XXXX Americans. Why ca n't I follow the chain of command with Capital One and even get a name or address of a Company Ececutive that is making these policies and procedures. If it 's not an American Company that requires and has access to such sensitive information any company should have to identify themselves as such immediately right under their logo in the start of the procedure. If it 's not an American company, I would not have given them my business as a foreign country business does n't have to follow the same rules if they do n't want to, but they do get to use are laws against us when it suits them. ( sorry for the opinion, but it 's how I feel ). I request my concerns be addressed all set-up and interest fee 's be returned to me and my account closed with minimal or none affect to my credit rating.
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08/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I am the primary card holder of a CapitalOne Quicksilver Mastercard. In XX/XX/XXXX, I saw a balance transfer offer in the CapitalOne My Account section for my Quicksilver Mastercard. It was an 18-month balance transfer offer, with a 0% APR and 3% establishment fee. I requested a “No Hassle Check” in the mail to receive the $XXXX in funds. The letter included beside the check reaffirmed the terms: 12 months 0% APR, and a 3% fee. I cashed the check and was charged a $XXXX fee (3%) on XX/XX/XXXX.I hoped to see the terms of the balance transfer on my next statement, but they did not appear there. However, a 0% offer was clearly applied, as I was not charged interest on my $XXXX balance for the next few months.However: on my statement issued in XX/XX/XXXX, I was surprised to see a large interest charge for $XXXX, and my $XXXX balance apparently now subject to a 19.74% APR. By the time I could pay off the full balance on XX/XX/XXXX, I had accrued these interest charges, charged after the transition from the 0% APR to the 19.74% APR:XX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXXX/XX/XXXX $XXXXA total of $XXXX in interest charges.In XXXX of last year, I attempted to get in contact with CapitalOne, first at a branch and then via mail, noting that the early expiration of the 0% APR offer was an error, and that CapitalOne had breached the terms of the balance transfer offer and charged me interest by mistake.However, I received a confusing response on XX/XX/XXXX: “the only offer regarding a balance transfer was not by check and the interest rate was the same as the purchase rate. This offer also included a 3% balance transfer fee”.This is incorrect. I did not use a random check that came in the mail with a standard purchase rate APR offer. I vividly remember going online, selecting the check, waiting for the check and cashing it at a particular bank branch, as I wanted to ensure I paid all my credit card balances in full so as not to accrue interest.Beyond my own memory, the letter suggests that I should have been charged “purchase rate” interest from XX/XX/XXXX onwards — which I wasn’t. The letter would suggest that it was a bank error in my favour — and not the reality, which is that my 12 month 0% offer was erroneously ended after approximately six months of a 0% APR period.I am still seeking a correction of this early expiration of my balance transfer offer. To resolve the situation, I request that my $XXXX in interest charges be refunded to me, either as a card account credit or a check issued to me. Before submitting this complaint, I called customer service in an attempt to resolve the situation and respond to the letter. The representative did her best with the information I provided, but could not find the terms of the balance transfer offer I agreed to in XX/XX/XXXX, stating that the system did not store information more than a few months old. She was able to uncover the “offer code” I used, which may have some value in CapitalOne’s further research: XXXX.After the lack of a useful response via phone, I decided to communicate in writing. I submitted the above request in a written letter to CapitalOne Customer Service XXXX XXXX XXXX in XXXX XXXX XXXX first on XX/XX/XXXX, then the same letter again on XX/XX/XXXXusing certified mail when there was no response. I received a short letter on XX/XX/XXXX that my request was being investigated, but after months of no further correspondence, I sent a letter on XX/XX/XXXX asking for an estimated time they might reply. On XX/XX/XXXX, I received a letter claiming "we are unable to fulfill your request through written correspondence", and a request to call their customer support number.I am now submitting a CFPB complaint as I do not think they will respond to my request otherwise.
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03/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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ON XX/XX/2018, I SPOKE TO A CUSTOMER SERVICE REP AT CAPITAL ONE 360 TO UNDERSTAND THE FEATURES, SERVICES AND FEES ASSOCIATED WIT THEIR CHECKINGACCOUNTS. I ALSO CONFIRMED THAT THEA CCOUNT COULD BE AJOINT ACCOUNT WITH MY HUSBAND. TO DATE, THE BANK HAS NOT ADDED HIM AS A JOINT ACCOUNT HOLDER, THUS HE DOES NOT HAVE AN ATM/DEBIT CARD SO IS UNABLE TO ACCESS OUR FUNDS. WE HAVE MADE NUMEROUS CALLS TO CUSTOMER SERVICE TO INQUIRE WHY HE HAS NOT BEEN ADDED AS A JOINT ACCONT HOLDER FOR THE CHECKING ACCOUNT. IT IS WORTH NOTING, WE DO HAVE A JOINT ACCOUNT SAVINGS ACCOUNT WITH CAPITALONE 360 FOR THE PAST 8 YEARS.
I WAS TOLD BY THE XXXX CHECKING REP THAT ONCE I OPENED THE ACCOUNT, TO ADD MY HUSBAND TO THE ACCOUNT TO MAKE IT " JOINT '' I DO THE FOLLOWING : 1. SIGN INTO THE ACCOUNT ONLINE 2.CHOOSE 360 CHECKINGACCOUNT 3 .CHOOSE ACCOUNT SETTINGS AND SERVICES 4.CHOOSE ACCOUNT " OWNERSHIP '' UNDER ACCOUNT MANAGEMENT 5.COMPLETE THE FORM FOR THE JOINT ACCOUNTHOLDER : FULL NAME, DATE OF BIRTH, ZIP CODE ASSOCIATED WITH ACCOUNT I COMPLETED THOSE STEPS, WHICH THEN SENDS AN EMAIL TO THE NEW JOINT ACCOUNT HOLDER TO COMPLETE THE ENROLLMENT PROCESS.
AN EMAIL HAS BEEN RECEIVED BY XXXX XXXX TO COMPLETE ENROLLMENT. HE FOLLOWS THE PROMPTS AND COMPLETES THE REQUIRED INFO. ONCE HE GETS TO THE LAST SCREEN FOR ENROLLMENT, HE IS PROMPTED TO " ACCEPT ''. ONCE THE " ACCEPT BUTTON '' IS SELECTED, THE SCREEN GOES BLANK AND SENDS HIM BACK TO THE BEGINNING OF THE ENROLLMENT SCREEN.
I CHECKED THE STATUS OF THE ACCOUNT AND IT SHOWS HIM AS PENDING GIVEN HE IS UNABLE TO GET PAST THE " ACCEPT '' PROMPT.
XXXX HAS CONTACTED CAPTIALONE 36O FIVE TIMES TO TRY AND RESOLVE THIS PROBLEM. HE HAS BEEN GIVEN DIFFERENT REASONS FOR HIM BEING UNABLE TO COMPLETE THE ENROLLMENT PROCESS. IT INCLUDES - HIS EXISTING INFORMATION IN THEIR SYSTEM IS INCORRECT, HE UPDATED THE NECESSARY INFO WITH THE AGENT.
THE PROBLEM CONTINUED AND I HAD TO " ADD ANOTHER ACCOUNT HOLDER ' AGAIN, WHICH SENT HIM ANOTHER TO ENROLL IN CAPITALONE 360 CHECKING. AGAIN, HE WAS UNABLE TO COMPLETE THE ENROLLMENT PROCESS. THIS LED TO ANOTHER LONG CALL WITH CUSTOMER SERVICE. HE WAS PROVIDED ANOTHER EXPLANATION THAT THERE WAS AN ISSUE WITH HIS EMAIL ADDRESS AND THE REP PROMISED THIS WILL FIX THE ISSUE.
I WENT THROUGH THE ONLINE PROCESS TO ADD HIM AS " ANOTHER NAMED ACCOUNT HOLDER ''. HE RECEIVED THE EMAIL TO COMPLETE THE ENROLLMENT, AGAIN IT FAILED. HE CALLED THE CUSTOMER SERVICE LINE AGAIN TO INQUIRE ABOUT WHY HE CAN NOT FINISH THE ENROLLMENT PROCESS. THIS TIME, THE REP SAID THERE WAS A PROBLEM WITH HIS PHONE NUMBER. BUT THE REP CONFIRMED THE PHONE NUMBER THE HAVE ON RECORD FOR HIM IS THE CORRECT PHONE NUMBER. THE REP CONTINUED THEN SAID THERE IS AS YSTEM PROBLEM, THAT IS CAUSING THE ISSUE OF HIM BECOMING AN ADDITIONAL ACCOUNT HOLDER, BUTWAS UNABLE TO CONFIRM WHEN THEIR SYSTEM ISSUE AT XXXX.
I THEN CALLED CUSTOMER SERVICE MYSELF ON XX/XX/XXXX, AND SPOKE TO A MANAGER, XXXX. XXXX CONFIRMED THAT XXXXAPITALONE360 HAS BEEN MAKING CHANGES TO THEIR IT SYSTEMS AND THIS HAS CAUSED PROBLEMS CREATING JOINT ACCOUNTS. XXXX ALSO SAID THERE WAS NO DATE OR PLAN ON HOW THIS WILL BE RESOLVED.
MY COMPLAINT IS FOCUSED ON THE BANKS INABILITY TO CREATE A JOINT ACCOUNT WHEN THAT IS A SERVICE AND FEATURE I WAS TOLD IS AVAILABLE I SIGNED UP FOR. THE PROBLEM OF MY HUSBAND NOT BEING NAMED ON THE ACCOUNT IS HE DOES NOT HAVE A DEBIT/ATM CARD, THUS IS NOT ABLE TO ACCESS THE FUNDS IN OUR ACCOUNT. THE BANK DOES NOT HAVE ANY RETAIL LOCATIONS SO THE BANK IS STOPPING HIM FOR ACCESSING OUR FAMILIES FUNDS. IT IS A BASIC BANKING RIGHT THAT WE SHOULD HAVE ACCESS TO OUR AVAILABLE CASH BALANCES WHEN HAVING A REGISTERED ACCOUNT AT A BANK. THE FACT THIS HAS GONE ON FOR LONGER THAN A MONTH IS UNACCEPTABLE AND MADE WORSE WHEN THE BANK HAS NO RESOLUTION FOR US. XXXX XXXX AND XXXX XXXX
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09/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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This follows from case # XXXX, submitted and reviewed by Capital One with partial remediation. I am filing this complaint as an extension of # XXXX, for while the issue that originated the complaint was partially addressed with the return of my closing costs, the outstanding issue of the monthly mortgage payment owing to the mistake Capital One acknowledged in their correspondence to me remains.
# XXXX deals with the fact that my escrow account was underfunded owing to the fact that Capital One " accidentally '' did not collect city taxes for escrow. I dispute this claim, for the mortgage vetting process is extensive and highly reviewed, specially in recent years. Missing a standard piece of the process, e.g. one of the taxes to collect for escrow, is almost incomprehensible. The documents are reviewed so many times, as I have seen both as a consumer and participation in mortgage origination, that actually missing this detail would be sufficient for federal penalty. Following Capital One acknowledging this " error '', I was refunded my closing costs.
A second practice ensued. I was immediately enrolled in an option to spread the payments of the remaining escrow balance over 60 months. Had I not paid attention to this item and paid off the escrow with the money returned to me by Capital One, I would have actually paid out roughly {$4000.00} over the life of this arrangement beyond the actual value of the escrow amount. This is an issue that I believe deserves federal review, as it attempts to make money off the consumer while seeming to help. This is especially onerous, given that fault was acknowledged, and Capital One still attempted to make money off of me. I called the escrow office, and I avoided this trap by paying the escrow. I was told by the representative that this would drop my payment back down, as I had effectively pre-funded the account.
I called back the Office of the President, specifically XXXX XXXX, the original representative who contacted me, when I discovered that my monthly payment had in fact not gone down. I was told that it would not reduce. When I complained that this means the original problem still remains, given that I was now paying at least {$50.00} / month extra for the life of the loan, more than the final amount given to me at the point of closing the loan, she told me she would escalate the issue.
My complaint now stands that I was offered a load with an artifically low amount per month to " close the deal '' at closing, and once my business was ensured by contract, Capital One now refuses to respond to the full complaint, relying upon my fatigue in attempting to deal with this issue while it is " escalated ''. I will include sample notes of one attempt at communciation on this subject demonstrating how Capital One has continued to provide no details and any contact I have had from Capital One has mysteriously come at the very end of the day, and once I call back, people are either almost immediately " out of the office '' or in once case " on vacation ''. This last experience was particularlly odd, given that the individual in question asked me on a Friday to call the following Monday, but she was then out all week. When I attempted to contact a person referenced on her voicemail as being able to help, he consistently contacted me at the close of the day, and I never was able to talk to him, even when I called back at times given by him on which to communicate.
A final note : I was told in calling back after not being able to talk to anyone, asking if I can talk to the complaint department. I was told " you can not make a complaint, because it is being reviewed above the complaint department ''. Effectively, Capital One has adopted a policy of continued " escalation '' to avoid remediation or larger review.
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07/08/2016 |
Yes |
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Web |
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Purchased {$300.00} worth of merchandise online with my Capital One Visa Card on XXXX, XXXX, 2016. Merchandise came severely damaged about one week after purchase date. I contacted the merchant who stated they would resolve the problem and pick up the merchandise and issue a refund. Merchant never sent carrier to pick up merchandise. I disputed the charge on XXXX XXXX, 2016 with Capital One. My letter of dispute clearly stated what the merchandise was, the date of the charge, the amount of the charge, that I had attempted to resolve the matter with the merchant, and that I was disputing the charge. On XXXX XXXX Capital One writes back asking me to reiterate everything I already told them plus asked questions that were irrelevant such as : 1 ) Date I expected to receive the merchandise? 2 ) Did I receive a contract? 3 ) Was there a trial period? 4 ) Did I review the cancellation policy? 5 ) What is the merchants return policy? 6 ) Did I abide by the return policy? 7 ) A second opinion from another merchant on a company letterhead and signed by the other merchant. 8 ) A signed and dated proof of return.
I also included a statement in my return with the XXXX page letter that the merchant was free to pick up the box of damaged merchandise at any time as it was waiting to be picked up.
After filling out there XXXX page letter of immaterial information that is not required by the XXXX XXXX XXXX. XXXX, Capital one provides a credit to my account of {$300.00} on XXXX XXXX, 2016. On XXXX XXXX, 2016 Capital One reverses the credit and reapplies the charge to my account now stating that merchant " confirmed the charge is valid '' The merchant provided no statement that they attempted to pick the merchandise up ( they did not ) or that I refused to allow them to pick it up or anything to that nature. Just that the customer made the charge and it is valid. The merchant provided no reason or care that they delivered damaged merchandise. The merchant did not dispute whether or not the merchandise was damaged.
It is well known that in a long distance ( mail/online order ) transaction that is shipped it is the sellers responsibility to get the merchandise there in good condition. The buyer has the full right to reject the merchandise if is not as ordered or otherwise damaged. See FTC bulletin on the Fair Credit Billing Act that clearly states the Act covers : " charges for goods and services you did n't accept or were n't delivered as agreed '' at XXXX. Instead Capital One ignored the XXXX and recharged the card with no rebuttal from the merchant regarding the damaged merchandise or why they did not have it returned back to them.
My complaint pertains the failure of Capital One to follow the guidelines as set out by the XXXX. There is/was no authority to place the charge back on my account.
I phoned Capital One on the XXXX of XXXX and was told that I now have a right to send another letter. I asked what would I possibly put in the next letter that I have not already stated? It is real simple. I ordered merchandise. It came damaged. I called the merchant and reported it damaged. The merchant never solved the problem. I had already said this XXXX time previously plus Capital One now wants me to say it again plus they now tell me it may take 90 days to get a final decision all the while I have the charge back on my account.
My complaint here does not pertain the XXXX that is due me. I expect I will eventually get that back and reserve the right to open another complaint if I do not within 90 days from now. The real issue is the way Capital One handles disputes. It seems that Capital One keeps sending the same request for information hoping that I will forget to send back a letter and then use that to close the dispute against me. All unfair billing practices.
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01/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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Hi there - this is an odd situation and am not sure which category it fits in but hopefully you will understand better once I explain.
I am a Saks Fifth Avenue Card holder which is backed by Capital One. On XX/XX/XXXX, I was in the store making a large purchase. The sales associate told me Saks was running a promotion on sales over {$2500.00} for zero interest for a year. She also said that I only needed to be a current Saks cardholder. I advised that as long as this would be a promotion applied to my current account, I would be interested but if it was a new account, I was not interested as I am buying a house and did not want any unnecessary credit or credit checks to affect my score. She assured me it was my Saks account and they would simply apply the zero interest to the balance of the purchases.
I then purchased items ( charged over 3 days as the sales associate had to locate some items in other stores to ship to me ). After receiving the items, I ended up returning approximately 90 % of them. I received a Saks bill in the mail in XXXX for approximately what I anticipated my bill to be, which was {$2500.00}. The payments for my Saks card are automatically debited for the full amount every month, and given the sales associate advised the large purchase interest applied to this card, did not give the payment a second thought. The full balance of my regular Saks card was {$2700.00}, which was automatically debited and paid in full in XXXX.
On XX/XX/2021, I received an alert from XXXX that my FICO score had dropped due to a report of a delinquent payment. I had no idea what this was and when I looked it up, I found it to be for Capital One/Saks. When I called the 1-800 number I was told I owed {$280.00} on the new account I had just opened. I was shocked because not only did I not open a new account, I specifically told them not to open any new accounts. I never received a card or even a discloser or account number in the mail. When I asked the customer service rep for the account number for this new account, I was advised she couldn't give it to me and I would need to go to the store for them to look it up. I immediately paid the entire balance she said was due in the amount of {$280.00}.
I have disputed the report with XXXX as I feel I was mislead by a misinformed sales person, who clearly didn't understand the program, however Capital one verified the charge and has refused to remove it. I have also written Capital one but have not received a response, nor am I hopeful it will be a positive one.
Luckily, I am an essential worker and while I have worked through this pandemic to service others, I understand how lucky I am to have a job and not be asking for a payment extension. That said, I work very hard to ensure all payments are made on time and paid in full whenever possible. I would never look for a way to not pay for what I purchased. It makes no sense that I would pay a {$2700.00} bill to Capital One/Saks but then ignore a bill for {$280.00}.
I am doing my best to able to maintain a credit score in an attempt to get the best rate possible for a mortgage. The very next day after reporting the delinquent charge, I began receiving notifications from credit card companies that they were lowering my limits as a result of this report. My score has plummeted and this will affect me well beyond the {$280.00} I immediately paid back. It is beyond disappointing and frustrating and it seems no amount of reasoning seems to resonate with Capital One. I never received a bill for the overdue amount in XXXX, and I am sure that {$280.00} includes late fees. If you can help me navigate this in any way possible, it would be very much appreciated. I am happy to provide you with any documentation necessary. Thank you so much for your consideration.
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01/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/2016 I used my Capitol One 360 debit card for a transcation around {$9.00} and it was declined. I tried as my PIN SECURE DEBIT, my personal PIN ONLY I WOULD KNOW and again my card was declined. I called and aparently becasue I had attempted a transaction in another state my card was frozen. Capitol one 360 claims they tried to reach me but I never recieved any email to that fact. I moved XXXX 2 days ago and I had not yet updated my information. Becasue my card was declined I called in and gave them my SSN. My account was accessed by the agent and I wanted to update my address so this would not happen again.To do this I needed to answer XXXX questions obtained from a 3rd party paid consumer reporting company, whom I can not challange or verify. I answered the first XXXX questions so my next question was what street did I live on in XXXX TN. I declined to answer becasue it was over 30 years ago and I do n't recall. I failed the test so Capitol One 360 told me to call back MONDAY that no one is available in the SECURITY DEPARTMENT. Capitol one 360 is unable to issue a new set of questions or connect me with anyone who can unlock my card so I am left in the middle of the store without access to my funds. I am held hostage until I call them. Meanwhile my account is updated with the correct information with my secure information. STILL LOCKED. I call and speak to manager XXXX. again I 'm told NO NEW QUESTIONS, NO XXXX. I tell XXXX to close the account. He starts closing the account until I told him to leave it as it is, I will speak to corporate. But, how can XXXX close my account if he can not verify my identity? The whole thing is recorded. He would close my account without first validating who I am based on the process they just pushed on me. I make sure my information is updated and call back. I ask for a manager and get XXXX. Again I am told I must call back Monday since no one is available to allow access to my personal funds. HOSTAGE STILL. Capitol One 360 logic is every customer must keep a log of their entire life to refrence if this occures. A bank that online XXXX can not find customer service to offer when this happens to an account holder? REALLY? I told the agent XXXX I could validate the last XXXX XXXX transactions debited from my account since XXXX CARD IS CONNECTED AND STILL WORKS. I told the agents I could have my wife ( THE CO ACCOUNT HOLDER ) verify her information and mine. So, Capitol One 360 can not deal with a customer with XXXX Issues, Can not reolve issues when urgent verification is needed, can not issue new questions based on XXXX party FOR HIRE consumer reporting agencies, and as a result customers are stuck in the cold. On top of all this the manager XXXX was more than willing to CLOSE MY ACCOUNT until I stopped him without the all super verification. As a result of this I am considering a lawsuit to challange Captiol One 360 and its verification process when XXXX is an issue. My account has a specific pin number and the account was updated. Yet my card still remains hostage by Capitol One 360 and the non present XXXX. The questions asked by XXXX XXXX XXXX must be open for challange by the account holder. Surely a Bank as large as Captiol One is aware of the XXXX and places its verification totally on XXXX. What if the customer can not recall? What if the customer XXXX. By the way my wife had an issue with her card on Saturday and the bank called. I used my card at the same time and it too was declined. Since Capitol One 360 had my wife on the phone, surely they could have noted this in the account ... .IT WAS SATURDAY. Capitol one 360 has left a customer out in the cold and based the card lock out and can not resolve the issue. AS OF NOW I AM STILL UNABLE TO ACCESS MY ACCOUNT AND STILL DO N'T RECALL THE ANSWER to
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11/02/2016 |
Yes |
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Web |
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Dear Sir or Madam : I am seeking your help to enforce Sec. 163 of the Credit Card Accountability Responsibility and Disclosure Act of 2009. I suffered monetary loss of {$96000.00} in higher interest payments that will occur over the life of my home mortgage from incorrect information reported by Kohl 's to XXXX, XXXX, and XXXX. I have disputed this information multiple times with Kohl 's, XXXX, and XXXX. While Kohl 's could not provide any evidence to prove that the information is correct, Kohl 's continue claiming that the information is correct.
Kohl 's reported XXXX late payments to credit reporting agencies as shown in XXXX. XXXX : The late payment reported in XXXX XXXX.
The late payment reported in XXXX XXXX.
The late payments were inaccurate because Kohl 's does not have reasonable procedures in place to ensure that each periodic statement is delivered to me no later than 21 days before the payment due date.
Kohl 's e-statement delivery system had not sent me any emails for billing statements in XXXX and XXXX. Though during the same period, I had received marketing emails from Kohl 's and Class Action Settlement emails. I had reported this problem to Customer Service and XXXX XXXX XXXX ( XXXX. XXXX ) and asked Kohl 's to send test emails ; however, Kohl 's did not have any reasonable procedures in place to resolve the problem. In a phone conversation with XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX said that I could have checked the balance online, called Customer Service or gone to the store, and she made no attempt to check Kohl 's system. In another phone conversation with XXXX XXXX on XXXX/XXXX/XXXX, I informed her that XXXX XXXX XXXX had not sent me e-statements either but fixed the problem after I reported the problem to customer service. I also told her that I had received complaints from my company 's customers regarding not receiving e-statements as well. After diligent investigation, we found out that our company 's new system did not send e-mail notification to customers automatically when a billing statement was created. However, XXXX XXXX still did not conduct any investigation even though she did not have any evidence of sent emails. She closed the case based on that statements were created ( XXXX. XXXX ) and never responded to my requests for evidence of sent emails ( XXXX. XXXX ).
In addition to problems with e-statements deliveries, Kohl 's also had problem with its automated calling system which I also reported to XXXX XXXX ( XXXX. XXXX ). From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, Kohl 's made 23 failed calls. I answered XXXX calls from XXXX but nobody was on the caller side. I received 19 voicemails from XXXX but the voicemails were only 1-2 seconds long and no messages were left. From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, I received 11 voicemails from XXXX and XXXX but again the voicemails were only 1-2 seconds long and no messages were left. Even though Kohl 's automated calling system failed, Kohl 's still did not check its e-statement delivery system. In a phone conversation with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX said Kohl 's is not required to call me about the payment due. However, she could n't answer what Kohl 's procedures are in the event that its e-statement delivery system fails.
There is an unfair information and resource imbalance between Kohl 's and consumers. Thus Kohl 's needs to have a high level of standard when providing negative information that damages a consumer 's credit score. Based on the unreliable e-statement delivery and automatic calling system, and lack of reasonable procedures in place to resolve customers ' complaints, I believe that they have not met the standard required by the law. Please see Exhibit XXXX for other consumers who have complaints against Kohl 's for the same issues.
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06/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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On XX/XX/2023 I purchased a couch from XXXX XXXX in XXXX XXXX, CA. I was informed that if I applied and was approved for a Capitol One XXXX XXXX credit card, I could choose between either 10 % cash back or 0 % APR special financing on any purchases made within the first 30 ( this number I'm not certain on, it may be more ) days of opening the card. For this purchase, I opted for XXXX points. The couch was {$2800.00}. This should have earned me {$280.00} cash back.
On XX/XX/2023, I decided I wanted to purchase an espresso machine and I opted to take advantage of the 0 % APR special financing. I purchased the espresso machine from XXXX XXXX in XXXX XXXX, CA. The sales rep there confirmed that I would receive the 0 % APR special financing on my {$910.00} purchase.
On XX/XX/XXXX, I decided it was time to utilize my cash back. I logged in to my Capital One account to find I had not earned any cash back. I called Capital One customer support, and it was confirmed that I had in fact not received the cash back from the purchase of the couch on XX/XX/XXXX. Upon hearing this, I asked that the representative confirm whether or not the 0 % APR was activated on the XX/XX/XXXX purchase. They confirmed that the special financing promotion was not activated either.
I was directed to the XXXX XXXX customer service phone line. The rep there told me that I had to go to the store that I made the purchases from because they only handle online purchases.
On XX/XX/XXXX, I drove XXXX back to XXXX XXXX XXXX visit both stores. The employees at XXXX XXXX ( including the store XXXX ) informed me that they would be able to file a claim that would most likely result in me getting my cash back, but told me that I would still need to go to XXXX XXXX to fix the 0 % APR issue. They told me that they would call me that following Friday, XX/XX/XXXX.
When I got to XXXX XXXX and explained my situation, they told me that any issues with 0 % APR would need to be handled with Capital One directly. Not wanting to waste another trip, I called Capital One while I was in the store. The customer service rep told me that my case that I opened with them had still not been completed. Since nothing more could be done, I went back home.
As of today, XX/XX/XXXX, I had not received a call back from XXXX XXXX or a call back from Capital One. I decided to call XXXX XXXX first around XXXX, at which point I was informed neither employee who helped me was available, but one of them would be there at noon. I called Capital One in the meantime and was informed that my request to have the 0 % APR applied to my purchase was DENIED. At this point I asked to speak to a supervisor. When I asked why the purchase was ineligible, I was told by the supervisor that those details were proprietary information and that they wouldn't reveal anything further unless they received a court-ordered subpoena, and then blamed me for not noticing within 60 days of purchase. This was as far as I could go with Capital One.
By the end of the call it was XXXX. I called XXXX XXXX back and was informed that the employee who was supposed to be helping me had now called off. The sales rep assured me that they would text the other rep to see if she had any information. She told me regardless of the outcome of those texts, she would call me back and give me an update. It is now XXXX and I have yet to receive a call back.
As far as I am concerned, this is now a legal matter. I was lied to and tricked into opening a credit card that I would not have opened, had I known that I wouldn't be receiving the welcome offers. I also would not have purchased the espresso machine on XX/XX/XXXX without the 0 % APR offer. Stay away from XXXX XXXX ( and all associated brands ) and stay away from Capital One. They are dishonest actors.
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04/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
On XX/XX/2022 I attempted to buy amusement park tickets from XXXX. Initially I was attempting to purchase XXXX tickets for {$790.00}, when my card was swipped I was advised the system went down and my payment did not go through. I then instructed the gentleman to add an additional XXXX tickets which brought the total to {$1000.00}. That second attempt was successful. When I checked my checking account on Sunday I found out the first attempt for {$790.00} was also successful. I then contacted the bank to file a dispute, I was told it would take about seven days to receive a provisional credit but I could call back first thing Monday morning to request to have the provisional credit expedited as it was going to cause a severe financial hardship. I called the bank Monday morning and requested to speak with a supervisor to have the provisional credit expedited but I was told by the customer service rep that she could assist me with that and a supervisor was not necessary. The customer service rep submitted the request and advised me I would see my provisional credit within 1 to 2 business days no later than Tuesday, XX/XX/XXXX. Later that afternoon I received an email requesting for additional information that the bank already had, I called back into customer service and requested to speak with a supervisor ( XXXX or XXXX ) who was very rude and argumentative and told me they needed the documentation to support their investigation. I been submitted the documentation via email and called back to confirm that it was received and that those document would not hold up my provisional credit. The new customer service rep I spoke with advised she can not tell me if the new documents I submitted had been received but she assured me that the documents would not hold up the provisional credit process and was just part of the investigation process and that she could see my provisional credit was in the process of being approved and I should still receive it on time by tuesday. When I called back on Tuesday to check the status of the provisional credit I was told that there were notes on the account that I was told previously that I would receive no provisional credit which was a complete lie and contradictory to the information that was provided by to me by two previous reps. I then asked the call to be escalated to a manager I was transferred to an individual by the name of XXXX and her agent ID was XXXX. XXXX then proceeded to tell me that my request had been submitted and processed and it was denied by the back office and she could give me no further details as to why it was denied. I asked her why was I provided information that I would receive a credit if that was not true and I asked her to review the calls since they were recorded and she advised she did not have access to review recorded calls. I asked her for the agent IDs of the previous reps I spoke with as I was planning to file a complaint with the executive office she refused to provide that information she also refused to provide a phone number for the executive office or the corporate office Through my own research I obtained A phone number for the The corporate office and asked to be transferred to an executive resolutions team and was told I must provide a specific individual, I then asked to be transferred to XXXX XXXX and a XXXX XXXX both requests were denied and I was told they do not take phone calls. I then submitted emails to both individuals requesting a call back from then or another individual from the executive offices. The documentation I submitted to the fraud department and both executives clearly state from XXXX that my card was charged in error and that they would issue a refund to this date I have received no refund and no communication from the executives of capital one bank.
|
10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
Servicemember |
I have been trying to get them to do their job since XX/XX/XXXX I want proof that I owed them anything and they have XXXX XXXX around and not investigate this complaint seriously " Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. '' I asked for copies, of Name, DOB, SSN, etc to prove I'm the one they owed them money I know I don't I sent this to your office and got no response but the same oh pre-written letter of XXXX, I'm tired of this XXXX really someone needs to do there XXXX job.
XXXX XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *****SENT VIA CERTIFIED MAIL***** Capital One Services LLC XXXX XXXX XXXX XXXX XXXX UT XXXX RE : VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm nor deny this purported debt. You claim I owe your company [ $ ] XXXX This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Sincerely, XXXX XXXX XXXX Mail Address XXXX XXXX XXXX XXXX, TEXAS XXXX
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09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I filed a complaint against XXXX with you ( CFPB ) once already in XXXX of 2020. You did not do anything to help resolve the matter. XXXX blocked the complaint by saying they could not verify my identity and would not accept the complaint. And oddly, you did nothing to help counter that ridiculous claim. So the complaint stalled. I am reaching out again to ask that you help force XXXX to properly validate items on my credit report, or delete them immediately. I attempted to resolve this multiple times prior to the attempted XX/XX/2020 complaint, and have made many more attempts since XXXX. XXXX simply ignores the request as stated. I have been requesting items on my credit report be validated with original consumer contract documentation. I am requesting this item for both accounts because these accounts do not belong to me. I believe a credit file mix up occurred. If XXXX XXXX XXXX or Capital One could provide original consumer contract documentation with my signature, or an equivalent, then the matter could be closed. However, I have written to XXXX XXXX XXXX and Capital One directly multiple times, and they avoided addressing this matter, or ignored it all together. If an original consumer contract can not be provided, than this account can not be validated as belonging to me. If it can not be validated as belonging to me, than it would be fraudulent and inaccurate to report it as belonging to me. Therefore, these items need Deleted Immediately.
XXXX continues to " Update '' these items on my XXXX credit report, despite the fact that neither creditor has provided the necessary documents to validate that these accounts belong to me. Credit Bureaus XXXX and XXXX have deleted these items. XXXX, however, does not. It appears to be complete negligence regarding this matter of the part of XXXX. And it has become completely unacceptable. In addition to illegal under the Fair Credit Reporting Act.
In addition to XXXX XXXX negligence on the matter, they failed to respond within 30 days when I sent a request on XX/XX/2020. That alone is a major violation of the FCRA and the items in question should of been DELETED IMMEDIATELY. However, XXXX did nothing and faced no consequences.
Attached to this complaint is evidence of these items being deleted from both XXXX and XXXX. More importantly, there are letters from Capital One XXXX they have no documentation on file to validate who opened the account in question. Also attached is documentation from XXXX XXXX avoiding the request entirely by submitting account statements in place of original consumer documentation contracts. I have been asking for validating documents for over a year!
The First attachment is letters to and from the creditors directly in the last 60 days. You can see Capital One admit they have no validating documentation as to who opened the account in question. You can see XXXX XXXX XXXX deflect the request and respond with no evidence to satisfy the request. The second attachment to this complaint is a handful of letters XXXX sent in the past year to resolve this matter. The Third attachment is Letters sent to Capital One and XXXX XXXX XXXX at the beginning of 2020. The Fourth attachment is the 2 letters sent to XXXX in XXXX and XX/XX/2020 relating to XXXX failing to respond or act on my request within 30 days. They ignored me completely.
This has gone on for too long. These items need deleted immiediately. The evidence speaks for itself. Neither creditor can validate these accounts with proper original consumer contract documentation. They have had multiple chances to provide it and have failed. These accounts are not properly validated as belonging to me. Therefore, it is fraudulent to continue claiming they belong to me and need deleted from my credit report immediately.
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07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
I am writing to report a fraudulent credit card that has appeared on my credit report. My name is XXXX XXXX, and I recently discovered this unauthorized account listed under my name. I am extremely concerned about the potential damage this fraudulent activity may have on my creditworthiness and financial well-being.
I first became aware of this issue when I received a notification from your credit monitoring service. The account in question, with the name [ Capitol 1 ], is not one that I have ever applied for or authorized. It is clear to me that someone has fraudulently obtained credit in my name, and I am deeply disturbed by this discovery.
I have taken measures to protect my personal information and mitigate any further damage, such as initiating a credit freeze and monitoring my accounts closely.
However, I now request your urgent assistance in rectifying this matter by removing the fraudulent credit card account from my credit report. I would appreciate it if you could conduct a thorough investigation into this fraudulent activity and implement the necessary steps to rectify any negative impact it may have on my credit history.
Furthermore, I kindly ask that you provide me with regular updates on the progress of your investigation and the actions being taken to address this fraudulent account. I understand the importance of your role in safeguarding the integrity of credit reporting, and I trust that you will handle this matter with the utmost professionalism and urgency.
Please note that I am willing to provide any additional documentation or information that may help expedite the resolution of this issue. Additionally, I request access to a full copy of my credit report, free of charge, as allowed by law, to ensure that no other fraudulent accounts have been opened in my name.
I appreciate your attention to this matter and look forward to your prompt action in resolving this fraudulent credit card issue.
15 USC 1681 refers to Section 1681 of Title 15 of the United States Code, which pertains to the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer information, including credit reports. It establishes guidelines and requirements for credit reporting agencies, credit reporting disputes, and consumer rights related to their credit information.
Some key provisions under 15 USC 1681 include : 1. Accurate Reporting : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports.
2. Dispute Process : Consumers have the right to dispute information they believe to be inaccurate or incomplete on their credit reports. The FCRA outlines the process by which these disputes must be investigated and resolved.
3. Investigative Consumer Reports : The FCRA sets requirements for the use and dissemination of investigative consumer reports, which contain personal and sensitive information gathered through interviews and investigations.
4. Consent and Disclosure : The FCRA outlines the conditions under which consumer credit information can be accessed, disclosed, and used, ensuring that consumer consent and disclosure requirements are met.
5. Identity Theft : The FCRA establishes procedures for addressing the fraudulent use of credit information and provides consumers with rights to dispute fraudulent or inaccurate accounts resulting from identity theft.
It is important to note that while I can provide general information about 15 USC 1681, I am not a legal professional. For accurate and detailed legal advice regarding the Fair Credit Reporting Act or any specific legal matters, it is advised to consult an attorney or legal expert.
Thank you for your understanding and cooperation.
Yours sincerely, XXXX XXXX
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04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
It appears as though someone, Capital One, XXXX XXXX, XXXX XXXX, XXXX XXXX who used duress to obtain my social security number, one of their friends, an unknown person, or Gurstal Law Firm has violated the Truth in Lending Act, copied the information in a Capital One account that I stopped using around XXXX, XXXX after becoming aware of my credit cards being compromised and Capital One refusing to fix the issues on my card. It looks as though they copied and pasted information from the original account into this account either by using the data on personal information in the first account into the second account and/or used publicly available information and/or trash to create this account, created fake purchases, or something to make it look like it was me. Multiple times I have asked for them to provide me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, XXXX XXXX XXXX is trying to sue for a debt is not mine, I have submitted to them everything that shows the account is not mine, yet they have failed to drop this case. On the last meeting with XXXX XXXX XXXX, the guy went on a fishing exhibition to try and say well then this is true so the debt must be yours, but this is not proof as to who made the purchases. All what I am looking for is proof as to who made the purchases since I know it was not me. IP addresses, delivery addresses of packages, etc. is not enough alone as to who made the purchases since any network can be hacked into and a criminal could have a package delivered to any address where they keep track of the package by cloning an email address. My wife believes they used publicly available information including through the credit reports in order to create fake credit card statements through a randomization software program and random payments from businesses in the XXXX XXXX area in order to create this fake account. Then they forged call logs, etc. just to try and convince a vulnerable adult, which I fall into due to my hearing loss, into paying something that they do not owe. My wife has no interest in this matter and is beyond her skill set but she says one way to do something like this is via an automation technique and that is to use a random number generator type program to select an individual to create a fake account. From there, use Artificial Intelligence and scripts to scan that individual and their relative 's social media accounts and other publicly available information into finding out a person 's habits than have the software to autogenerate credit card statements including back dating the purchases as a part of the program to create these false accounts. ( My wife says there is massive amounts of digital data that with the correct AI software or the correct script, the information can be collected, and that this technology is improving all the time with an example being the self-driving technology. ) The question that I do not know is to who did this. What does not make sense to me are payments of XXXX, XXXX, and XXXX by someone earning minimum wage. Also, there has to be a paper trail of signatures in order to back the purchases, otherwise, how could Capital One pass an audit to ensure that they are billing their customers correctly. My wife says that for most industries, a paper trail of records has to be kept between for 5 - 10 years, including her job in case of an audit. I am looking for this paper trail that answers who.
Dates where proof of purchase and who opened the account was requested : XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held
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05/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
In XXXX of 2020, at the beginning of the pandemic and work stoppage, I entered into a payment arrangement with Capital One in order to keep my credit intact. During this time, I had over 20 people in my life XXXX or contract the XXXX. It was extremely scary, stressful, and sad. My own mother had contracted XXXX.
I was completely out-of-sorts and mistakenly thought my payment date was XX/XX/2020, and went online to make my payment to Capital One on XX/XX/2020. My payment date was actually XX/XX/2020, and not XX/XX/2020. I immediately called Capital One and apologized and explained what I was going through.
The agent, XXXX XXXX, helped to bring my account current. I did not realize this would be on my credit report. Capital One 's representative, XXXX XXXX, did an interview with the XXXX XXXX ' XXXX blog and said that Capital One would not report late payments to the credit bureaus due to the work stoppage and pandemic. https XXXX XXXXXXXX/ I wrote a letter to Capital One and asked them to please remove this late payment from my account as I have had several crises to deal with and had, otherwise, made 100 % of my payments on time.
Later, I received a letter from Capital One saying they would not remove the late payment. I called them again and told them that their representative, XXXX XXXX, had stated that they would not report late payments and again explained how the XXXX was affecting my life.
The agent put me on hold for a while and then explained that I should write their Credit Bureau Dispute department again and provide proof and they would remove the late payment from my credit report.
I wrote them, again and again, received a letter saying they would not remove the mark from my credit report. I called them again and spoke to a supervisor who pulled my record and indeed saw where their agent told me they would remove the mark. However, he said they would not remove the mark despite what I was told. I told him about XXXX XXXX 's statement to XXXX and he said that customers were to call them. I explained the chain of events to him and that I had called as soon as I was aware of the problem. Capital One 's own CEO, XXXX XXXX, put out a statement saying " we encourage customers to call '' not that it was " mandatory that they call by a certain day or time. The supervisor simply continued to repeat that they would not remove the mark.
Part of XXXX XXXX 's statement : We have a range of policies and programs to accommodate customer hardships. For customers who let us know they are being impacted, we are here to support and work with them. We are offering assistance to consumers and small business owners, including waiving fees or deferring payments on credit cards or auto loans. Our frontline associates are well-trained and well-prepared to serve customers in times of financial stress or hardship, and I am grateful for the service you are providing as the number of hardship cases increases.
I am moved by the heartfelt notes of gratitude from our customers who, despite all the chaos and uncertainty in their own lives, have taken time to write to Capital One. They are emotional about how our associates have served them with kindness and compassion, and they are grateful for how our company is supporting them during this crisis.
https : XXXX Capital One is refusing to work with me on this and for no good reason. I was extremely overwhelmed, not working, and had many people in my life XXXX from XXXX. Thankfully, my mother pulled through and is still with us.
This has been going on for over a year and the late payment is the only late payment on my credit report. Capital One should remember the state of our country at the beginning of the pandemic and honor their own agents, statements, and words, and remove this late payment.
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07/07/2016 |
Yes |
|
|
|
Web |
|
I was invited by my friend to attended 3 day business seminar in XXXX Arizona hosted by XXXX. The program was to boost companies to another level and ideally was to boost XXXX company to another level. We were promised in the seminar that various training would be conducted and the whole package costed a lot. I charged my Capital One credit card with an amount of {$7300.00} and that was in XXXX 2015. After the three day seminar I waited for a week to receive a call from XXXX XXXX and none was received. I signed up into the client account and inquired when the training would begin. Training started with a lady called XXXX, I questioned the training as it was a group training done via the phone and my employees including I started to question what training we were receiving as all was coming in the training had nothing to do with what was promised during the seminar. I wrote back with a complaint and told the training couch XXXX that I was going to end the training immediate and file a dispute with my credit card company as the product provided was not what I attended the business seminar for. I have several e-mail correspendence with XXXX XXXX client service couch XXXX and their customer service for complaints to the last day I pulled out of their program. I wrote to Capital One, including XXXX other banks, XXXX XXXX XXXX, XXXX and XXXX Bank where I had also charged these credit cards with XXXX XXXX program training package. I received my money back with the other banks and waited on Capital One for. All documentation was sent to Capital One within a timely manner. I waiting for their response and after waiting for so long, I called their office to see the status of my claim. Was told it was still in process, I asked why a temporary credit was not put back on my card as other credit cards companies credited my card as a temporary credit while claim was in process. Capital One did not credit me with anything, all was told was that claim was still in the process, I asked if there was any documentation to receive and sign and they advised, documentation was on the way. Seems documentation was only mailed after my call to remind them. I received a form that needed me to explain why I was filing a dispute, I completed all the information and mailed it back to Capital One with a long covering letter. I waiting for their response, none came for weeks and no temporary credit was put back on my card. I then called again as a follow up and to my surprise, I was transferred to another department and was told that the claim was closed. I asked why the claim was closed and was told because no documents were received and they had tried to call me but my phone was disconnected. I could not believe it, I told them they there is no way my phone could be disconnected, Capital One had my house phone as XXXX XXXX XXXX and my cell phone which is XXXX XXXX. I asked " Tell me which number you called ''?. They repeated my cell phone with a wrong last digit. My cell is XXXX XXXX and the person gave me a number with the last XXXX digit XXXX. The person 's name was XXXX, I told him that is not my cell phone and reason it says phone was disconnected. We argued a lot and all I was told was that the claim was closed and I have to continue making payments on my credit card. I told that XXXX that I was not going to make any payments on my credit card as they misplaced my claim documents. I tried to look for an attorney but can not afford XXXX since I run a XXXX that has no funding. Am struggling. I was referred to your organization by someone called XXXX XXXX from XXXX XXXX XXXX and I thank him. I await your response, and enclosed is a letter to Capital One after talking to their XXXX on the phone. I have other supporting documents if needed. Capital One account ending XXXX.
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07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
I applied for a XXXX XXXX ( XXXX ) XXXX credit card and was approved. I further received an email notification from XXXX XXXX informing me that CapitalOne made a hard inquiry on my account ; therefore, that hard inquiry could stay on my account for approximately two years, and have an adverse effect on my credit score. On XX/XX/XXXX, I made a purchase via XXXX for {$190.00}. However, on XX/XX/XXXX, I attempted to make a purchase via Pottery Barns ; however, my newly activated card was declined. I called your customer service department to get information as to : why my account was closed, why I wasn't informed of the adverse action against me, and what I can do to retrieve my rewards points. I was initially informed that I needed to call XXXX ; however, once I informed the representative of the closed account and XXXX inability to credit a closed account, I was then informed that the rewards points ( {$19.00} ) were revoked. I requested to speak to a supervisor regarding my points since I did not make the decision to close my account, and this is a breach of contract on CapitalOne 's part. XXXX ( ID : XXXX ) informed me that I would need to wait for the letter to know the reason as to why my account was closed ( I'm assuming that an illiterate customer would be screwed ) ; however, when I asked her about my points, she incessantly noted that I needed to wait for the letter and the points were revoked. I requested the corporate office and legal department contact info ; however, I was informed by XXXX that she is the highest person that I'm speaking with and there is nothing that can be done. I asked several times for the corporate office number or address, and was told that the information is only for internal use and to protect CapitalOne privacy ( perhaps someone should inform her that your job is to protect customer 's privacy and not the institution ). However, if your address is to preserve your privacy, then why do you have it on your website?
After contacting CapitalOne customer service, I was able to recollect that I had an encounter with this establishment two years prior. CapitalOne had promoted a false advertisement on XXXX XXXX 's website that would can get free shipping, 20 % and utilize the card upon approval ; however, when I applied for the credit card during that time frame, I did not receive the promotional offers and was unable to utilize my card. I had contacted customer service and was gaslit. CapitalOne customer service representative was disrespectful and unprofessional towards me. I had closed the account to avoid further interaction ; however, I kept receiving harassing letters from CapitalOne despite requesting not to be contacted. However, in XX/XX/2023, I got CapitalOne mixed up with XXXX old credit service provider, XXXX XXXX ( since at the time of my application, XXXX was transitioning to CapitalOne ) and applied without recalling their impropriety. In addition, when I saw CapitalOne on XXXX 's website, the only memory that came to mind was my experience with my car loan that was paid off with them. However, to retaliate and harass me, CapitalOne deliberately conducted a hard review on my credit report, activated my credit card, allowed me to purchase an item for over {$200.00}, and then closed my account to ensure that I didn't receive the reward points ( same tactic like the last time ). Furthermore, the item that I purchased, I used it prior to my credit card being closed by your establishment. If I had received an email or notification on my online account of your decision ( or if you guys had denied my application ), this would have given me the opportunity to keep the box and return the unused item ; however, CapitalOne wanted to be abusive and bully me, by not informing me of their decision immediately.
|
04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
wish to file this complaint against Capital One Credit Card for unfair and irregular credit reporting practices, unprofessional customer service agents and for an agent refusing to file a review/dispute on my behalf, as per my right under the Fair Credit Reporting Act and the Banking and Financial Acts, among other Federal relieves for Customers.
The company has : - ( 1 ) been reporting my account past due for way over more than 120 days when it was not and plus I had made a payment arrangement with the company by XXXX, yet they reported to one or two credit reporting agencies that I was still past due.
( 2 ) The company do not report to ALL THREE credit reporting agencies ; there have been periods of over 2, 3, 4 months nothing is reported on either of the three agencies yet they blame the credit reporting company, saying they report. ( Other companies show up on the same reporting agency so why not Capital One? ) XX/XX/2020 XXXX XXXX
I have just gotten off the phone with XXXX, Snr Account Manager of Collections, Capital One. I do not know why my account was routed to Collections and the question was not answered by XXXX nor the agent who transferred me to her, because I was only owing the Bank XXXX at the time of the call ; and that was only since XX/XX/2020. After speaking with her extensively about my account, I asked her to submit a request on my behalf to have my account reviewed to ensure everything has been conducted fairly and legally. She in turn said " that request is considered a dispute ''. I told her okay then file a dispute. She had me on hold for over 20 minutes. She returned twice to let me know she was still there and getting your dispute together. When she finally did return to the line she then said she was " unable to fulfill your request to have this dispute ''. She added " you will have to file the dispute with the credit bureau. After we went back and forth on how she was now coming back to me with this I asked her questions such as : - 1. How after having me on hold for over 20 minutes and twice telling me she was getting my dispute together, typing everything up, was she now telling me she could not fulfill your request to file this dispute? She has now reviewed my account and find that I do not have grounds for a dispute and she is not fulfilling the dispute.
2. Was she the person who made the decisions on the dispute? She answered no.
3. Are you the person the dispute goes to/do you handle the disputes? No she replied 4. How can I dispute my account with the credit bureaus as you are telling me to doare the credit bureaus my creditors? She didnt answer only kept telling me she can not fulfill my request.
She placed me on hold then came back and offered me statements of my account. I told her I already had my statements, I wanted the Dispute she told me she was putting together. I reminded her as I had done in a few times during the conversation that it was my right by federal law to file and have a dispute taken, and have it reviewed. That is was my right to make a request to have my account reviewed. And that it could nt be filed with the credit reporting agencies as they are not the creditor. She started speaking in what was obviously recited information that other customers were on hold and there would likely be a point where she would have to hang up the phone. She again refused to complete my Dispute dispute recognizing she had me on hold leading me to believe she was composing a dispute, and she was not who reviewed nor made decisions on disputes. This lady did not care, and obviously believe that she could act outside the rights of the U.S. Federal Government and against my Civil and Consumer Rights.
Supposedly Capital One records all calls so this conversation should be in their database systems.
|
02/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
My home has been subject of a foreclosure proceedings. I have tried on several attempts to prepare and input a mortgage modification to my lender, Capital One. The first time I did was back in XXXX of XXXX. They strung me along, having me talk to at least XXXX separate individuals, who kept telling me that my modification was in process. I had provided them with numerous pieces of information : XXXX statements, bank statements and XXXX separate modification packages. No one could help me or get their story straight. It was n't until XXXX XXXX, the friday before XXXX, when I called and got shuffled around for 20 minutes, only for the representative to tell me that my " Modification '' was denied back in XXXX XXXX ; with no further information!
I then hired a law firm, who allegedly specialized in Foreclosure and Modifications. I spent over {$8500.00} for them to put me into Chapter XXXX with my wife and various payments plans, that went no where. In the end, the trustee dismissed the plan and gave the payments that I made ( in good faith ) to the attorney who filed the bankruptcy.
Along that same time frame, I was expected to get a mortgage modification completed by the same firm, however they would n't communicate with the bank on a timely basis and whenever I called the bank, they told me that I was n't able to speak with them ... thus leaving me in the dark once again.
I hired a separate firm to help secure the modification, they stated that they would bring my case to the executive level of the bank and about one month into the process, the Federal Trade commission shut them down ( XXXX ).
I continued to try to contact Capital One, but they shifted me around -- telling me my file was in the bankruptcy department, when in fact, it was dismissed. NO ONE has given me any information on my file.
It was then in XXXX of XXXX that I hired another law firm to handle the foreclosure and mortgage modification. This firm seemed more proactive, in that they sent numerous letters to Capital one demanding documentation on my behalf. Capital One responded to me stating that they were NOT authorized persons on my loan and could n't speak with them. I signed another letter stating that they were the authorized persons to speak with but nothing has happened. I continue to call the bank requesting a mortgage modification so that I do n't lose my home. I have a wife and XXXX children depending on me to protect our living space.
Most recently, the attorneys for Capital one won a judgement that stated they, nor Capital One was at fault when they did in fact " sell my home at auction ''. They did so, while I was in Chapter XXXX! The judge ruled that no one was hurt by this and granted Capital One and their attorney 's the " go ahead '' to move forward with a XXXX sale, which is to be on XXXX XXXX at XXXX.
I have had numerous calls to Capital One, who tell me that they can not provide information to me, only to my chosen attorneys. And when asked who those attorney are, on XXXX day, they told me it was my previous attorney XXXX XXXX. On another day, it was XXXX Each time I speak to a DIFFERENT representative that can not read notes and tells me the same thing, I need to contact my current attorney -- the XXXX Law firm. Then I called back, only to find out that they needed a new modification package -- this persona actually spoke to me and told me that neither XXXX, XXXX nor XXXX have sent in the proper information. So, upon downloading the information, filling it out for the 7th time, I resent it and called to verify they received it, only for them to tell me that my application has been denied and that the XXXX sale in on XXXX XXXX, XXXX!!
Please help me get through to these unhelpful individuals and help me stop the sale on Monday! Thank you, XXXX XXXX
|
07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
This complaint is against Capital One Auto Finance, Account XXXX. XXXX and XXXX XXXX XXXX XXXX, collection agency on behalf of Capital One Auto Finance regarding XXXX XXXX XXXX financed by Capital One Auto Finance. Complaint involves Capital One Auto Finance not honoring settlement made with XXXX XXXX XXXX XXXX.
I am a XXXX XXXX. On XX/XX/XXXX while I was driving the XXXX XXXX, I experienced a XXXX XXXX and crashed onto the sidewalk and hit a tree which stopped the vehicle from further destruction. I was XXXX for XXXX days at the Washington XXXX XXXX in Washington, D.C. The cost of the XXXX treatment I received in the XXXX and follow up XXXX treatment I received as an XXXX was substantial. I had to pay XXXX % of the XXXXl bill, co pays for follow up office visits and purchase XXXX. The unexpected substantial XXXX expenses caused a financial hardship for me. Due to the financial hardship I fell behind on my monthly car payment to Capital One Auto Finance.
I received a letter dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX ( Radius ) stating that the Capital One Auto Finance account was placed with XXXX for collection. On XX/XX/XXXX, I contacted XXXX to negotiate a settlement agreement. XXXX XXXX, representative for XXXX and I came to an agreement of the conditions of the settlement. The conditions were that I would pay {$2000.00} to settle/close the Capital One Auto Finance account in exchange for removal of the account from my XXXX XXXX XXXX XXXX XXXX reports.
Recently upon reviewing my credit reports, I discovered the Capital One Auto Finance account was on my credit reports with an outstanding balance and derogatory tradeline. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to let them know that the Capital One Auto Finance account had not been removed from my credit reports. For some insufficient reason I was no longer able to speak with XXXX XXXX who had entered into the settlement agreement with me. So I spoke with XXXX XXXX with XXXX who told me that XXXX does not remove accounts from credit bureaus and that I need to contact Capital One Auto Finance to request removal of the account from my credit reports based on the conditions of the settlement agreement. XXXX XXXX didnt honor Radius part of the settlement agreement to remove the Capital One Auto Finance account from my credit reports. XXXX XXXX collected the {$2000.00} from me but then was misleading regarding the removal of Capital One Auto Finance account from my credit reports. He negotiated with me utilizing deceptive acts and practices when he misled me to believe he would remove the Capital One Auto Finance account from my credit reports as a condition of the payoff settlement agreement.
So as instructed by XXXX XXXX, on XX/XX/XXXX, I contacted Capital One Auto Finance and spoke with XXXX ID : XXXX who told me the Capital One Auto Finance account was not settled/closed and that Capital One Auto Finance is seeking an additional {$4000.00} to settle/close the account and remove it from my credit reports. I believe Capital One Auto Finance and XXXX XXXX XXXX XXXX are violating the FCRA by attempting to double charge me for the same account. If Radius was collecting debt on behalf of Capital One Auto Finance, is it legal for Capital One Auto Finance to request an additional {$4000.00} settlement after I have settled with Radius? I am requesting Capital One Auto Finance honor the settlement agreement I made with XXXX XXXX XXXX XXXX and remove the account from my credit reports.
Through the Maryland XXXX XXXX, I am currently an applicant for an apartment in a XXXX and XXXX community. After being on the waiting list for oveXXXX XXXX years I dont want to get an adverse decision because of the derogatory Capital One Auto Finance account on my credit reports.
|
09/13/2018 |
Yes |
- Credit card or prepaid card
- Gift card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
I purchased 2 giftcards at my local Kohls in XXXX, Georgia on XX/XX/2018 for {$100.00} each, equalling {$200.00}. I used my Kohls charge card to purchase them.
The giftcards were originally a gift, but that didn't work out because of personal problems. Since returning giftcards is not an option, I decided to sell them on XXXX. They sold on XX/XX/2018 for a discounted price of {$90.00} each, totaling {$180.00}. A few days later, I shipped the physical cards and original receipt with proof of purchase to the buyer located in Illinois. According to tracking, the buyer physically received the cards XX/XX/2018.
Around XX/XX/2018, the buyer opened a case against me claiming that the gift card balance was {$0.00} on both cards. I called XXXX thinking the buyer scammed me, providing all information, but they could do nothing about it. I then decided to call Kohls to see what was going on. In my original phone call, the representative stated the cards were actually used the DAY AFTER I bought cards IN STORE in XXXX. There was no way the buyer used the cards, because that day, they were still in my possession. So, XXXX decided to close the case, and {$200.00} was taken out of my person checking account to reimburse the buyer. The buyer sent the original cards back to me as well as the original receipt.
I was promised replacement cards from Kohls NUMEROUS times. I've had 4 or more different phone conversations with them about this. Every time I call, I am promised someone will " email me '' regarding the replacement cards and a decision in this case. I was given case numbers and the run around for nearly 2 and a half months.
Today ( XX/XX/2018 ), I finally was told that they could do nothing and that this was " not their problem ''. They said they have no idea what to do, have never heard of this problem before, and that it was new to them. I was baffled. As a large retail company, they should find every and all answers to this problem so that it will never happen to anyone else. I cant believe I was told and promised so many different things from this company, and after nearly 3 months, they claim there is nothing they can do.
I treat this the same as I would fraud and unauthorized transactions on a credit card. This is STEALING and SCAMMING. Someone out there is some how stealing people 's giftcard information and using them for their own. I willingly told Kohls to open an investigation, view video camera footage to see who used them and to take action! This was NOT me. Kohls even tried to " kindly '' accuse me of giving the card information to someone in XXXX and they used it in store. I then asked if you needed the actual physical card in store to use a gift card. I was told the only way that could happen is if it was an e-gift card, but other wise, yes, you would need the physical card. If I bought the cards here PHYSICALLY in XXXX, Georgia on XX/XX/2018 at XXXX XXXX ( on the receipt ), and you need the physical gift card in hand to use in store, HOW did the giftcard get used in XXXX on XX/XX/2018? I'm sure you see the problem here - there is NO way.
This is not my responsibility, this is something that happened on Kohls ' end some how, or someone knows of a way to scam with giftcards. I want replacements. I'm not even asking for my money back. I want Kohls to take action and SOLVE this problem, not tell me " theres nothing we can do sorry ''. I am blown away by how unprofessional, uncaring, and unwilling this company is. It seems if it doesnt benefit them, they do not care.
I should receive my replacement cards from Kohls, and Kohls needs to take action in finding out WHO committed this fraudulent activity, HOW it happened, and needs to take steps in preventing it from happening again. That is what a big retail company should do.
|
08/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
My XX/XX/2020 Capital One credit card statement indicated a new balance of {$1200.00} was due by XX/XX/2020. On XX/XX/2020 Capital One received my payment of {$1200.00}, which was {$10.00} underpaid due to clerical error by my office manager.
On the XX/XX/2020 Capital One statement there was an interest charge due on purchases in the amount of {$18.00}. I did not notice the interest charge on that statement because frankly I always pay my new balance amount in full every month. The new balance due on the XX/XX/2020 statement was {$2000.00}, which included the {$18.00} interest charge and the {$10.00} outstanding balance.
On the XX/XX/2020 Capital One statement there was another interest charge, this time in the amount of {$9.00}. I noticed the interest charge on this statement. On this statement it indicated that Capital One had received my payment of the full balance due on the XX/XX/2020 statement in the amount {$2000.00} on XX/XX/2020, a full two weeks before the due date.
I spoke to both XXXX and her supervisor XXXX at Capital One today, XX/XX/2020 to discuss the interest charges on my bills. They agreed to waive the interest charge of {$9.00} which appears on my XX/XX/2020 statement, but not the {$18.00} interest charge on my XX/XX/2020 statement.
My view is that Capital One 's practice of charging {$18.00} for one month 's interest on a {$10.00} underpayment is abhorrent and usury. This was not a late payment circumstance where the customer missed the due date. In fact, the payment was received by the bank on XX/XX/2020, a full 10 days before the due date. Aside from the fact that the payment was underpaid due to clerical error by {$10.00}, the bank had 10 days to send an email or a text to me to advise that my payment was underpaid by {$10.00} and to avoid interest charges please remit the {$10.00} before the XX/XX/2020 due date. I receive emails and texts from Capital One periodically when they suspect a fraudulent transaction on my account. But when they have the opportunity to expropriate fees from my account in the form of interest charges they are mute.
I also object to the practice of charging interest on the whole balance rather than the {$10.00} underpayment. This is a usurious practice that should be illegal. I owed {$10.00} and they charged me a total of {$27.00} over two monthly statements. That is annualized interest rate of 1600 %!
And to add insult to injury, XXXX stated that he would " adjust '' my grace period so that I would not be charged interest on my XX/XX/2020 statement too. I questioned him how I could be charged any interest on my XX/XX/2020 statement when I paid the {$10.00} underpayment on XX/XX/2020. He said that the bank can charge interest for two successive months after a partial payment notwithstanding the fact that I had paid my underpayment of {$10.00} on XX/XX/2020.
I have not read the small print in my Capital One agreement because it is boilerplate language that I assumed had protections for the consumer based on federal consumer credit laws. I am shocked that the bank could charge me {$18.00} interest for a {$10.00} underpayment on my next credit card statement and another {$9.00} the following month even though I had paid the {$10.00} underpayment.
The organized crime doesn't charge these rates. I have never paid late on this account, nor paid less than the full amount due since I opened this account except for the {$10.00} clerical error. I am shocked that the bank did not waive the excessive interest charge for the month of XXXX. I will be also shocked if they are allowed to charge me such an egregious amount. Finally, I take solace in the fact that the month in which my payment was {$10.00} underpaid due to clerical error was not one with a significantly larger new balance.
|
04/15/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
Capital One restricted my account on XX/XX/XXXX, making me unable to withdraw money directly from the account. Believing this was just a simple misunderstanding, I made a call to Capital One in an attempt to try to correct this and came to the realization that Capital One believed I was somehow involved in fraudulent activity and that I was a risk to their company and so they were moving to end relationships with me completely. Absolutely baffled by this, I made several more calls from XX/XX/XXXX through XX/XX/XXXX. Listening to the limited information they did give me, it seemed that my account was being closed due to the fact that I attempted to make multiple transfers from an external checking account to my Capital One savings account and my external bank for some reason reversed this. I continued trying to make the transfer as I thought my external bank would contact me if anything was wrong and that the reversal was just a precaution. I had already verified my external account under my name through Capital One 's system. I was confused as this was my first true bank account as an adult, my external checking account was a focus card from a job I worked over the XXXX as a XXXX. I believe the problem was that I may have tried to conduct too many transfers too quickly and that there may have been an accidental transfer in which the amount of money in my external account didn't match, however, at the time I didn't think much of it. After calling Capital One and learning of the situation, I decided to call my external bank and they told me the best option I had was to prove to Capital One that I own the external bank account by showing them a bank statement or other information that would indicate my innocence. Throughout multiple calls to Capital One I several times expressed my desire to provide information to them to aid in the " investigation '' they claimed they were conducting. If such an investigation was taking place and they took time to ask me or my external bank questions I believe my innocence would've been very easily proved as the external account has my name on it and I can very easily prove it is my account and that I attempted to make the transfer. Each time I was met with the same scripted response that they were unable to provide any information and that they were ending relationships with me due to suspicious activity. I assumed this suspicious activity was the reversed transfer as that was the only thing that made any sense. I only recently created both accounts this year and there was no other notable activity that could be considered suspicious. They wouldn't give me any chance to even dispute any of the claims they made and I was just left in the dark about the whole situation. To put an end to the situation I decided to just accept the fact that my bank was inevitably going to be closed as I was getting tired of trying to deal with such an unresponsive and unhelpful customer service team that would just give me the same response repeatedly without caring about my situation. It seemed that they all were just trained to repeat the same thing regarding anything about an account closeout or restriction. Even being on the phone with a supposed manager on XX/XX/XXXX proved useless as they also repeated the same phrases I was now used to hearing. I'm still completely confused by the situation as it was a simple reversal of a transfer and didn't warrant complete account closure. I was informed of my account closure by email on XX/XX/XXXX at XXXX XXXX. I am writing this complaint to ensure that Capital One doesn't wrongfully report that I conducted fraudulent activity so I can save my relationship with future banks as I am still young and wouldn't appreciate my life being negatively impacted due to a bank 's negligence.
|
03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I just recently received a Capital One credit card. They had been sending me offers for months, and as I was trying to rebuild my credit after XXXX years of identity theft, I decided to take advantage of a pre-qualified card for {$300.00}. I received this card 2 days ago, on Wednesday, XX/XX/XXXX. 2023. After activating the card, I decided to purchase some groceries on said card. I was shocked that I had NO CREDIT available as I hadn't even used the card yet. I checked my balance on the website only to find tons of fraudulent charges dating back to XX/XX/2023, two days before I received the card. I immediately called Capital One 's fraud department. I had a very trying conversation with a woman who did not understand why I was calling, what " fraud '' meant, etc. I spent an hour on the phone with her. By the end of my tutorial on fraud to an employee in the fraud investigation department, I believed that ( a ) a new card would be sent to me and ( b ) that provisional credits for the fraudulent charges would be available to me asap. I did receive a letter from Capital One the next day, XX/XX/2023, confirming said information. It is attached hereto. I also checked my account balance yesterday and saw that my new balance was {$180.00} ( which was still incorrect ), and I had credit available for {$120.00}. After carefully examining the fraud reported in the letter, I realized that not all my reported charges were listed. There was another fraudulent charge posted on XX/XX/XXXX in the amount of {$16.00}, which was not credited, although, on my account, it is listed as reported fraud. I checked into my account today, XX/XX/2023, only to find that a provisional credit for {$16.00} had still not been issued, and, alarmingly enough, my account of credit available had been decreased to {$5.00}! I called in to question this and spoke to two people. I did not get the first gentleman 's name, but I did ask to speak to a supervisor named XXXX XXXX? ), who identified herself as a Senior Accounts Supervisor. Both customer service representatives reported the same information to me : ( a ) for Capital One, provisional funds credited do not become actual funds until their investigation, which can take up to 90 days, is completed. I asked what the purpose of issuing unusable funds on my account would be, and I did not receive an answer ; ( b ) I asked why I could not find that information in any disclosures I received from Capital One, including the email I had just received and was told that it was a Capital One policy that was only disclosed to the client when the fraud was first reported. I replied that I had received no such disclosure and asked for a copy of the recording of that phone call. I was told that I would not receive such a recording; finally ( c ) I expressed to both customer service employees that, unfortunately, I had been a victim of identity theft many, many times, and due to this latest breach, I had closed my XXXX account since unfortunately, all of my recent fraud seemed to come from this company and had made another identity theft report to the FTC. I also stated that I had NEVER had another bank nor credit card company treat " provisional credits '' in such a way and felt that I was being discriminated against based upon the fact that I had listed all income as SSDI and explained that it was illegal to discriminate against someone with a disability. XXXX 's response never changed. She said it was " impossible '' to issue actual, usable credits until the investigation was completed. I asked if there was another person, perhaps in another department, I could speak to who could make this " possible, '' and she refused to provide me with any more information, suggesting that even the CEO could not overrule this undisclosed policy.
|
07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
Hello, my name is XXXX XXXX and there has been fraud committed to my Capital One Credit Card account, I reached out to Capital One on : XX/XX/2020 as soon as I noticed that there was fraud AND UNAUTHORIZED TRANSACTIONS/ charges on my account, I spoke to a representative named : " XXXX XXXX " She said that Capital One would do an investigation and make a case. My case # with Capital one is : Case # : XXXX. THEY NEVER NOT ONCE CALLED AND INFORMED ME that all these major fraudulent charges/ transactions were being placed, and didn't even put a hold on my account for suspicious activity. They failed to inform me about this suspicious activity. I never once received a phone call making sure if these purchases were even mine or not. Why wasn't I contacted right away? Obviously there was suspicious activity and they overlooked it. This is pure and gross negligence that Capital One is doing to me, the credit card holder and consumer, and the loyal customer I am to them. I have not made any transactions or any charges since the month of XX/XX/2020. Due to COVID-19, I have not been touching any credit cards. I have not made any charges in XXXX at all whatsoever you can tell that is a huge gap from the months from XXXX to XX/XX/2020 the dates that the unauthorized charges/ transactions took place. Not only were they neglectful about informing me about all these suspicious activity and charges and transactions being made, they are also labeling and finding my fraud case " insufficient evidence of fraud, '' and Falsely accusing me " to be benefiting from the transactions. '' They are now saying that I am responsible for the charges listed. hey should be held responsible for clearing my charges, also they stated in the first document that I was " assured, and had assurance, '' that I wouldn't be held responsible for any unauthorized charges to my account and I quote they said " we want to assure you that you won't be liable for any unauthorized charges. I dint not make any of these purchases this is fraud, and Capital one should be held responsible for and give me the assurance they promised to not hold me responsible for the unauthorized charges I never not once authorized and I didn't even know about because they failed to inform me thank you. By the way there are a total of 11 unauthorized charges.
The dates for the fraud charges are as follows : XX/XX/2020 Unauthorized charges Unauthorized charges Unauthorized charges Date Store or Merchant Name Amount of Charge Date Store or Merchant Name Amount of Charge XX/XX/2020 XXXX. {$970.00} XX/XX/2020 XXXX XXXX XXXX. {$22.00} XX/XX/2020. XXXX {$79.00} XX/XX/2020 XXXX A. {$52.00} XX/XX/2020 XXXX XXXX XXXX {$2000.00} XX/XX/2020 XXXX XXXX XXXX. {$1500.00} XX/XX/2020 XXXX A. {$53.00} XX/XX/2020 XXXX XXXX XXXX. {$9.00} XX/XX/2020 XXXX XXXX XXXX {$150.00} XX/XX/2020 XXXX XXXX XXXX {$12.00} XX/XX/2020 XXXX {$420.00} Theses are the 11 unauthorized charges that Capital one promised and assured I would be held liable for and now they are going back on their word, they have committed negligence, for not informing me about the suspicious activity that took place on my account. I think since the credit card Capital One company didn't even inform me what was going on or report any suspicious activity was going on in my account, which there were so many purchases with very big amounts, and they failed to inform me as well as failed to notify me about this such suspicious activity it, when these unauthorized charges first took place on XX/XX/2020, ( XX/XX/2020 ), they should live up to their promise of " assurance, '' since they assured me that I wouldn't be held liable for any of these unauthorized charges/ transactions. Capital one should be held responsible for clearing the unauthorized charges to my account
|
12/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
I get promotional offers from capital one for shopping and getting rewards. However, they are not clear to customers how this is setup and how they are organized internally. It appears they have this outsourced to a third party that offers only email support which is very poor. Despite many phone calls to the company I deal with, they are not willing to look at my grievance and suggest doing the email follow up. No amount of escalation requests has met with care, concern or follow up. They just say we will take your feedback.
I have made many shopping trips and bought giftcards simply because of their offers. Without these offers, I would be paying more than the value of the cards. I deserve to get all the promised rewards for many of my transactions listed below.
transactions on card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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01/23/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I deposited {$4000.00} cash into my XXXX XXXX account on Sun, XXXX/XXXX/17. I went online and paid off my autoloan for Capital One Auto Finance, direct debit from my XXXX Bank account on XXXX/XXXX/17. I called Capital One on XXXX/XXXX/17 to find out how long to get the title for my car and was told because I used " uncertified payment '' -- bank account it would take 15 days. I was told if I use my debit card to make payment, it would take 5 days. I asked Capital One to cancel payment and I would use my debit card, so I could get my title 10 days sooner. XXXX Bank would not approve the transaction, though I had over XXXX in my checking account, statting I ; m only allowed maxium of XXXX for day for purchases. I asked if they could make an exception for this one time payment, explaining I sold my car and need to pay off loan and get title ASAP. They still refused stating the cash I deposited 2 days prior still has not been processed. I called the next day Wed ( XXXX/XXXX/17 ), they still refused to allow me to pay off my loan with one time payment of approx {$3900.00}. This time there was no reason the cash I deposited should not be processed by now, but the person from XXXX Bank old me all my money still was not processed. I called Capital One asking them what other ways can I make the payment so I can get titlte in 5 days -- XXXX XXXX ( was was charging a {$110.00} service fee ). It occurred to me I should be able to pay {$2000.00} to Capital One, as this is below XXXX limit for purchases. When I called capital one auto finace they told me though I made payment that day, because it was after XXXX, the payment would not post until next day -- XXXX/XXXX/17. I was told by capital one I can not call on XXXX/XXXX/17, the next day and make an additional payment because I am only allowed to make XXXX payment per day -- so I was unable to called them on XXXX/XXXX/17 and make a payment due to this ridiculous policy. When I called Capital One Auto finance on Friday XXXX/XXXX/17 to pay the remaining balance on my auto loan, using my XXXX XXXX card -- approx XXXX, I was told the payment which I made prior to XXXX, would not be processed until Monday. This really upset me because there was no valid reason why the payment could not be processed the same day. I was told becasue the weekend was coming up the payment would not be processed until Monday XXXX/XXXX/17, and they would not count the 5 days to get my title from Friday XXXX when I made payment, but would could 5 days from Monday XXXX. Though they told me I should see payment post in my account over the weekend, when I checked on Sunday XXXX, I noted nothing was done, no XXXX payment was pending from my checking account. I called XXXX Bank to find out if Capital One processed any such payment and was told No. I also noted in my account -- -- when I made $ XXXX to Capital One Auto Finance on XXXX/XXXX/17, the payment was not processed by them until Friday XXXX/XXXX/17. These practices made by Capital One Auto Finace to delay my payemnt and what it seems to collect more interest on my loan is VERY DECEPTIVE PRACTICE. I had more than enough money to pay my loan in one day and be done, but XXXX Bank wanted to dictate to me how much of my own money I can spend in a given day which is so ridiculous. Thanks to both these institutions, there is now a delay in getting the title for my car and selling it to my buyer. This also causes a delay in me purchasing a new car, because I was going to use profit from money I get from seller to put a downpayment towards an new car. Banks and financial institutions should never have such dictatorship & power over consumers. When this mess is finally cleared I will no longer do business with XXXX Bank and definitely not with Capital One Auto Finance ever again.
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10/01/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I hired an attorney to help me validate an allegedly unpaid debt with Capital One. My attorney has sent numerous requests in writing ; as well as confirming receipt of those requests via phone notifying Capital One that I have hired them, and Capital One refuses to release the validation of debt to my attorney. They state that the requests are not valid ; however, I have signed the requests to allow my attorney to speak with them. Please find a chronology attached:XX/XX/XXXX/15 My attorney sent original written authorization and request for validation documentsXX/XX/XXXX15 My attorney spoke to a XXXX who stated that they had n't received the request. My attorney then resent the requestXX/XX/XXXX/15 My attorney spoke to a XXXX who stated that it takes 14 days to process an authorization documents and to allow for them to send docs out.
XXXX/XXXX/15 My attorney spoke to a XXXX who stated they had n't received the request again and who gave my attorney the last four digits of my account because the authorization would n't get put with the account unless the full account number was on the authorization and to fax the authorization to XXXX and there is a 14 days to process time.
XXXX/XXXX/15 My attorney spoke to a XXXX who stated she could not send the info to us because they had stated it was n't a request for validation it was a notice for negotiation/settlement, my attorney was then transferred to XXXX 's supervisor XXXX XXXX XXXX XXXX. My attorney explained they had been notified numerous times and XXXX refused still to provide information.
XXXX/XXXX/15 My attorney faxed another request and signed authorization by me.
XXXX/XXXX/15 My attorney spoke to XXXX XXXX XXXX XXXX the call was then transferred to XXXX XXXX XXXX ; XXXX ). After speaking with XXXX she was able to let my attorney know that she put a direct request into their correspondence dept and will have a response to the request no later than Monday. My attorney was told that if she did n't hear back by Monday she could call back to the Capital One XXXX Escalation Department at XXXX.
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting to hear back from the department that releases documentation from her manager ; and would follow-up with my attorney again on XXXX/XXXX/15.
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting for a response and review from her manager would call back on XXXX/XXXX/15.
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that they will not release the validation of debt unless they receive a valid signed release. My attorney explained that they had received both the letter of attorney representation and a signed authorization from me. My attorney asked for re-evaluation and XXXX to call back on XXXX/XXXX/15.
XXXX/XXXX/15 My attorney did not receive a call from XXXXXX/XX/XXXX/15 My attorney did not receive a call from XXXX. My attorney called and left message on XXXX 's voicemailXX/XX/XXXX15 My attorney did not receive a call back from XXXX, called again. My attorney spoke to XXXX XXXX XXXX XXXX who reiterated that they will not release the documents. My attorney asked to speak with manager for the department. My attorney was transferred to XXXX XXXX Executive Resolution Department XXXX. My attorney spoke with XXXX and she reviewed the information and was going to put in a request that the documentation be sent in the next two weeks. My attorney asked why it would take two weeks to receive the documents was told that XXXX could not guarantee expeditious receipt of documents but would put it in the notes in the request for documents. My attorney requested a call back from the Manager for XXXX, my attorney should receive a call back in XXXX hours.
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10/21/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
XXXX XXXX. 2016 Applied for the XXXX XXXX XXXX XXXX card, rated as one of the best travel cards. instantly approved for the XXXX XXXX card with the limit of {$10000.00}, much more than I needed for a travel card.The card was shipped to my USA mailing address XXXX XXXX, 2016 ( see the XXXX email attached ). It was received XXXX XXXX,, 2016, the day left XXXX for XXXX. So, I mailed the card to a friend, coming to XXXX, XXXX the XXXX of XXXX ( see the USPS information for a shipping label attached ).
After the credit card was received, I received a very strange call from the XXXX XXXX Fraud department, telling me that they needed to discuss my application. That made me very suspicious - why discuss application after the credit card is in my possession.? Why the phone call from unidentified number? Why the alleged fraud person speaks with an accent that is impossible to understand? Nevertheless, I tried to call the phone number given in that message. I tried and tried again - I kept reaching some fax machine. That made me even more suspicious. So I sent a warning message to the XXXX XXXX fraud department ( see attached ). The XXXX XXXX Fraud Department automatic acknowledgement of the receipt of my message was instantaneous, but no substantial reply has ever followed. My friends, to whom I paid {$25.00} for the credit card delivery, arrived in XXXX and brought my new card. I tried to activate it the same day - XXXX XXXX, 2016. The XXXX XXXX web site was down due to some technical problems. I tried to activate the card XXXX XXXX, 2016 - the site still was down. Then I called XXXX XXXX, talking with a variety of individuals, in different cities, with different accents, giving me different information. One person telling me that the person with whom I need to talk will not be in the Office, until Tuesday, XXXX XXXX, 2016, because of the XXXX. Another telling me that it is not the case. Some telling me that my account was closed, but not telling why and instructing me to call Monday or Tuesday to the general phone number so as I would be transferred to the department they refused to name by its name and give its phone number I talked to XXXX XXXX in XXXX, who placed me on hold, eventually came back, telling me to call Monday XXXX and ask for XXXX XXXX Somebody else told me to call XXXX, XXXX XXXX. Somebody else told me to call XXXX - Exec Research When I called the Fraud Protection Department, on the number found on their web site and totally different from that received in the voice message, I talked to XXXX XXXX XXXX, in Florida, who told me that I should call Monday XXXX and tell my story once again, to be transferred to somebody or rather. She too told me that the account was closed and out of their hands. She gave no information as to why and whether the Fraud Department called me, nor if they reviewed my report of the suspicious voice mail So, Sat and Sunday XXXX XXXX and XXXX, I spent on the phone over 3 hrs, asking again and again to be transferred to the Customer Service Manager and getting absolutely nowhere. Nobody would hear that I am in a foreign country without a working credit card, unable to travel, etc.
Having finished those useless and time consuming conversations, I tried to activate the card on the web. Received the message - we can not activate your card ( see attached ) The next day, Monday, XXXX XXXX, 2016, I called Executive Office, on the number I found on the Internet, in numerous complaints about the XXXX XXXX impossible customer service - XXXX. WHY WAS NOT IT ACCESSIBLE TO ANY OF THE XXXX XXXX EMPLOYEES? WHY DID THEY GIVE ME DIFFERENT PHONE NUMBERS, NOT TELLING THAT I SHOULD TALK TO THE EXECUTIVE OFFICE? WHY WAS THERE NO CUSTOMER SERVICE MANAGER AVAILABLE?
please see my Executive Office Interactions attached
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12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Capital one dispute case statement This is what was sent to Capital One as or statement : On WednesdayXXXX XXXX, night at approximately XXXX my family flagged down four taxis for a group of 11 at the XXXX XXXX for a trip back to our hotel, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to the size of the group, we had to split up and ride in separate cabs. My wife and two child family members were the first to leave and rode with the driver of the disputed taxi. My taxi was the last to leave but first to arrive at the hotel. The driver of the disputed charge was the last to arrive and was approximately 5 minutes later than my ride. My wife felt he was purposely taking a longer route and was starting to worry for the safety of the children and herself. The charge for the first two taxis to arrive were both in the XXXX euro range. The third was XXXX and the driver of the disputed taxi said the fare was XXXX euros ( his meter confirmed the amount stated by him ). My wife asked the driver if he could do tap payments, he asked if she had cash, and she stated that she only had credit at that time. He took the card from her and put it in his reader. No receipt was provided and nothing was signed for acknowledging the amount. The driver left before we got the first notification that a suspicious charge had been processed. We have no contact information for the merchant and are unable to contact them to resolve this charge. We were willing to pay the XXXX euros that the ride should have cost with him taking the longer route and milking the meter, not {$1000.00} that the driver is attempting to charge us.
We provided the following information to Capital One to support our statement : Credit card statements from other family members were included as well.These show other taxi rides including one of the other taxis back from the XXXX that night ( {$15.00} ). The most expensive rides were to the XXXX XXXX and from the XXXX airport to the hotel that day ( XXXX kilometers ). We did not use our card for taxis after this incident but you can refer to our statement for evidence of where we were that day, what the rides cost in XXXX during the trip, and how it would be impossible to rack up such a charge with so little time.
We called Capital one immediately after the first text came in reporting the suspicious transaction. The fraud department agent informed us that we should report it as fraud and cancel the card. On XX/XX/ we received an email from Capital One informing us that the fraud claim had been denied because we benefited from the transaction. We called Immediately after that email and spoke to a fraud agent that informed us that we should have reported it as a disputed charge since we had knowledge of the transaction. We submitted all available paperwork ( receipts for the XXXX XXXX we visited right before the ride, a map of the route, and statements from other group members to show what the charge should have been. On XX/XX/XXXX we received another email informing us that the disputed charge claim was denied because we did not provide all the requested information ( the letter did not specify what information was missing ). We called Capital One again and were told that since we were unable to provide a receipt from the merchant they would not be able to help us and that we would be responsible for the entire amount. When I asked if they had contacted the merchant, the fraud agent stated " How can we if you didn't provide a receipt. '' We reminded him that the driver took our card from my wife, swiped it, gave it back, and then left without having us sign anything or providing a receipt. The Capital One agent said there was nothing they could do and were closing out the dispute.
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01/31/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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An officer named XXXX XXXX claimed she was from US Customs and border protection called me with XXXX, XXXX XXXX XXXX ( XXXX ) XXXX and badge ID # XXXX on XX/XX/2022 at XXXX pm. She said I was victim of identity theft, with my identity used to open bank accounts, create new IDs, send packages from XXXX to 2 addresses in XXXX XXXX, XXXX, traffic drugs ( XXXX, XXXX, XXXX ), and launder money nearing $ XXXX.
She said I had 2 options to protect myself : 1 ) Take legal action, hire criminal lawyer, but I could be sentenced to 9 yrs or more prison if I didn't win the case 2 ) Apply for alternative dispute resolution where I don't face legal charges, and a US Marshal will guide me through a protocol I chose to apply for the alternative dispute resolution. She had me give her the number of the nearest police precinct in XXXX near my apartment, so I gave her the phone of XXXX XXXX XXXXXXXX Police Department - XXXX XXXX ( XXXX XXXX ). I stayed on hold with her while I got an incoming call from the police number I gave, and the person on the other line claimed they were an officer and to listen to the US Marshal and follow the protocol.
I was then routed to an incoming call from US Marshal named XXXX XXXX with Badge ID # - XXXX. He said he was calling from the HQ of US Marshal services in XXXX XXXX with the number XXXX ( XXXX ) XXXX, and told me to look at the US Marshal website in the contacts page to verify that he is who he said he was. I did as told and believed him. He then said he will call from his direct line number, a XXXX, XXXX XXXX XXXX ( XXXX ) XXXX and instruct me on the alternate dispute resolution procedure : 1.He asked me for my passport for verification 2.Asked for the exact amounts across all my active asset accounts ( Checking accounts, savings, investment accounts, 401K and SEP IRA ), asked which banks I had credit cards with 3. Then asked me to physically go to my Capital One bank where I have my checking accounts and withdraw all the money in cash, and leave {$150.00} on each checking account to keep it open.
4. Then he had me text him the cash withdrawal receipts ( {$6900.00} from 1 checking account, {$8000.00} from another checking account ) 5. Then he had me click link on his text message to create a new account with coinsource ( https : //coinsource.net/ ) using my phone number and drivers license. He had me send my NY driver 's license to him to verify.
6. He told me to request a maximum deposit limit increase, which increased the limit to {$8500.00} USD.
6. Once I created the account, he had me go to a coinsource bitcoin ATM ( XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX ) to buy bitcoin worth {$8500.00} USD and send it to their social security digital electronic wallet address XXXX with the XXXX account I opened with my phone number AND buy bitcoin worth {$5000.00} USD and send it to the same address above tied to XXXX account with phone number XXXX ( XXXX ) XXXX. He said that because I was a victim of money laundering, I shouldn't be keeping the cash on hand in my home, and that the government was keeping it safe in this wallet and would return it XX/XX/XXXX.
7. After buying and sending {$8500.00} + {$5000.00} USD of bitcoin to that wallet, he had me send the receipts to him via text and told me to go home where an officer would come to my house the next morning and give me a new social security card and transfer the money back to my bank account, reimburse me for the taxis I took to conduct all this activity.
These people all have pictures of my passport, ny drivers license, home address, phone number, stolen money worth {$13000.00} USD which they had me withdraw in cash, then buy bitcoin with and send to that wallet address claiming to be a social security digital electronic wallet
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11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On a wider lens, this is an ongoing problem with Capital one. their dispute process is such that customer initiates dispute, they are asked to " wait '' to send documentation until the time that capital one " themselves '' request for it. Capital one reaches out to customer for evidences. Customer invests hours compiling and ensuring the case number is on each document to sends evidences by deadline only to discover Capital one abruptly closes case with " customer did not respond with further information ''. Upon calling customer discovers the documents were not even browsed. This has occurred to me 3 times back to back and this time its for a very big charge of XXXX dollars. Capital one was negligent in processing it and they never sent merchant 's response to me. Moreover when I sent evidences that this was a valid request for refund, they flat out ignored it and closed the case. When I called in they reviewed the evidences and engaged in gaslighting and made it difficult for the customer to win from any angle whatsoever.
Last night I spent 4 hours while suffering from a XXXX XXXX ( infact thanks to capital one my condition deteriorated as the rep was very antagonizing ). The rep demanded that she needed to confirm the 24 hour airline cancellation policy with the merchant. I offered to sit on the call longer so that she could obtain this verification verbally from the merchant. Prior to jumping on a 3 way call, I confirmed with Cap1 rep whether this was the only item she required and she said yes. When merchant confirmed the fact that what I was saying was in fact true, Cap1 rep was shocked. The entire time she strugged to comprehend that a non refundable airline ticket could have a 24 hour booking cancellation full refund policy. She still wasn't buying it and then demanded I provide snapshot of the time I received the error and provide in writing of this policy. Then she hung up on me when I informed her that this was very wrong as the merchant already clarified and that I was unwell and I had already been on the phone for so long.
After she hung up on me, the merchant said that to the extent of specifics that the rep was demanding was unreasonable. They can not put emails in writing of their policy and that the policy pops up while booking the airline, which is true I checked. Then I took snapshots of Department of Transportation that mandates all travel to demonstrate to Capital One that it is possible for a booking 24 hour cancellation policy to be applicable on a non refundable flight. What if a customer makes an error while booking or there is a system glitch? I also attached the snapshot with the date and time as per Capital One 's demand for my attempt to cancel the ticket. I uploaded this at XXXX this morning. I called at XXXX only to be told by capital one a ). you're receiving a notice that your case is closed in the mail and we are not pursuing this further and b ). your documents are not populating.
I have evidences that documents successfully uploaded at XXXX this morning and again at XXXX this morning. I also emailed them to their support email. They are taking me in circles for an error that they have committed and what I do not understand is that the lady that hung up on me and was aggravating me, she demanded i send in these evidences. I spent hours compiling this again to send to her only to find out in the morning that she won't even look at them.
This is not only insulting to the customer but this is pure bait and switch the way capital one is behaving. They know they have messed up and are failing to own up to it. I've invested over 20 hours on this dispute due to capital one 's incompetence in processing it. This is not what I signed up for. They ask for documents then never review them.
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11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Account XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom it may concern : You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something.
As defined by the IRS : Even if you didn't receive a form 1099-C, you must report canceled debt or charge off as gross income on your tax return.
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes your reporting of this account inaccurate!
The lender must file a form 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the US IRS 20 21 publication. SEND ME MY FORM 1099-C THAT YOU SHOULD HAVE SENT WHEN YOU FILED THE ACCOUNT AS A CANCELLED DEBT.
By definition, the IRS says a cancelled debt or charge off is INCOME. The reporting of this account as a debt is in fact inaccurate.
15 U.S. Code 1681s2 states that you are a furnisher of information to a consumer reporting agency.
You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s2 ( a ) ( 1 ) ( A ), which states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report.
You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS.
XXXX XXXX Last 4 of SSN XXXX XXXX ( XXXX ) Account XXXX
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01/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
|
|
Web |
Older American |
On XX/XX/2019 at the XXXX branch for Capital One Bank in XXXX, Virginia, I requested to initiate an international wire transfer for {$4000.00} to XXXX to purchase land. The ambassador, XXXX, who initiated the wire changed the amount of my wire to {$4000.00} to charge me the {$40.00} international wire fee, but I was debited another {$40.00} the next day for the wire fee. The next day I also found out from the beneficiary that they were unable to get the money I sent because Capital One sent the wire without the beneficiary 's name. Apparently the beneficiary address was put into the name field and the beneficiary name was never included in the remittance, so the receiving bank was not able to release the funds.
I returned to the XXXX branch on XX/XX/2019 and spoke with XXXX to cancel the wire due to her error of omitting the beneficiary name and inputting the address in the name field. She refused responsibility to the point where another ambassador, XXXX XXXX, interjected. Again I requested to cancel the wire, but XXXX insisted she would amend the wire instead. I was not provided any confirmation in writing of the amendment or that my request to cancel the wire had been initiated -- but I was assured that I would receive all the information in an email with an ETA.
XX/XX/2019, XXXX XXXX was contacted over the phone to inform her that no information was received via email, that there is no email address associated with my account, to inquire about the status of the wire, and to request a refund of the 2 fees I was charged erroneously. I was informed that the person XXXX attempted to amend the wire with had not completed the request, but that XXXX would ensure the wire was amended that day. XXXX became irate and began to yell over the phone, at which time it was requested that she escalate this to her manager and that a complaint needed to be logged. The manager, XXXX XXXX, took over at that point but was unable to provide next steps or an ETA for what to expect. He did provide the case number as requested : # XXXX, but did not take information for the complaint.
XX/XX/2019 at about XXXX XXXX ET, customer service was contacted over the phone so that I could find out what to expect -- when the money would be returned, when there would be a status update, what the status is currently, and what needs to be done next, and to file a complaint. The customer service representative indicated that she didn't have access to any of that information and the wire department was closed currently, so there's nothing she could do. She indicated that a recall would take 1-2 business days, but that I should go to a different branch for better service the next day since today is a holiday.
XX/XX/2019 I went to the XXXX XXXX XXXX branch, also located in XXXX, Virginia, to inquire about the status of my request to cancel the wire. The ambassador, XXXX XXXX, informed me that no amendment or cancellation request had been initiated. but that he would request the wire cancellation that day. XXXX informed me that the funds from the wire would be returned to my account in 10 business days. My account was credited {$40.00} for the international wire fee that day. I also withdrew {$4000.00} in cash to take to XXXX XXXX so that I would be able to complete the land purchase transaction since Capital One Bank had made this whole transaction and resolution so difficult, and I wasn't confident that this would be resolved at all.
I returned to the XXXX XXXX XXXX branch about two weeks later to check on the status of the wire cancellation request, but was told XXXX wasn't in and would reach out to me with an update. I was never contacted with an update and the wire has not been returned to me after 58 days ( as of the filing of this complaint ).
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01/02/2017 |
Yes |
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- Advertising and marketing
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Web |
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I spent some time on the telephone today trying to close a credit card account with Capital One ( account # XXXX ). It refused to close it. I repeatedly and clearly directed it to close the account and it persisted in refusing to close it. I had been offerred so-called " upgrades '' on the card in the past. XXXX of them was to a XXXX Rewards card. Initially, I asked Capital One to honor the terms listed on its website for a new XXXX Rewards card. It refused to do so. Among other things, it insisted that the APR would exceed the advertised rate for the XXXX Rewards card. With considerable dissembling, the representative on the phone insisted on XXXX mutually exclusive and contradictory claims : 1 ) I would no longer have the card I now have but instead would have a XXXX Rewards card if I switched ; and, 2 ) few of the advertised features of the XXXX Rewards card would obtain to my XXXX Rewards account. Instead, a higher APR, no cash bonus, and who knows what else would be different on my new card that was called by the same name as the XXXX described on Capital One 's website. When it became clear what kind of sleazy game Capital One was playing, I just told it to close the account of the card I had if it would not honor the terms of its advertised product of the same name ( XXXX Rewards ) that it falsely claimed I would get. Then it refused to close my current, unwanted credit card. It demanded that I hang on the phone while it read me a bunch of garbage I had no interest in, given that I wanted no further dealings with it, all so that Capital One could evade responsibility for its unethical if not illegal activity. They will try to continue to treat their customers poorly if they can get away with it. I am under no obligation whatsoever to have them make illegal claims on my time ; dealing with them for some time has been a constant headache and I previously complained to the CFPB about other illegal advertising for the only card with them I had. Capital One continues, unabated, in its questionable practices. Finally, when it became clear that I did not want to have any of this untrustworthy bank 's products, in light of its multi-year abuse and habitual efforts at bait and switch routines, it actually threatened me through the following. First, as mentioned, it claimed that it would not close the account as I directed it to do. Second, the representative demanded that I listen to her as an illegal condition of her closing the account. Finally, I think she said something to the effect as I was hanging up, that they would never consider an application from me again, or some other punitive threat all for the purpose of intimidating and manipulating me into accepting their illegal, abusive terms. Why is Capital One allowed to continue to abuse the public and its customers? I think they are based in XXXX. Does n't that State have an office of Financial Services regulation? XXXX does ; what 's wrong with XXXX that it lags behind other large states that have had to deal with abusive banks? This is clearly a case analogous to the illicit activity of XXXX XXXX. Why in the world does Capital One arrogate to itself a refusal to close any customer 's account when requested once, let alone repeatedly? Why is it allowed to persist in its dodgy advertising, by offering a product with the same name and very different terms? Why are its representatives rewarded for executing illegal and unethical acts? Does the State XXXX or the State XXXX care a farthing if residents of their states are pressured to perform illegal acts, then sacked if they fail to comply? Apparently, there needs to be XXXX standard, XXXX rule of law for financial service companies that operate across state and national borders. And the CFPB is needed to enforce it.
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10/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
In reference to and adjunct to my complaint against XXXX - Capital One, XXXX, I was called the day after I filed the complaint on XXXX XXXX, XXXX. Tuesday, XXXX XXXX, XXXX I received a call from XXXX, ID # XXXX on instruction from the Fraud Department to notify me that because I used my credit card in good faith and tried to get to the bottom of why they could not locate my XXXX Account as my purchases went through without fail - I was told by XXXX that they could not find record of me in their system that they had problems assimilating accounts from XXXX Bank into their system. This call as all calls was recorded. She proceeded to tell me the other person with my same name but different information and state was working with fraud and because of me they were able to credit her card back. When I asked about my purchases and how I could pay them she told me the Fraud Department wrote them off. Then she told me BUT if I wanted to pay my bill I could and that basically they set up an account for me that I would get no access to or receipts or billing from, but would put in the memo of a money order or cashiers check this account # XXXX. I was told I could pay as much as I could afford. When I asked her if she knew what I owed she said no, so I told her what I owed and asked her if the fraud department wrote off my debt then why would they set up such an account. She stated it was because XXXX ID # XXXX had indicated my concern about paying my bill, however she then again told me that I did not have to pay if I did not want to. I recapped the conversation and asked for this information in writing and she said it would have to come from the XXXX Offices. The address to make the payment was XXXX Capital One XXXX. XXXX XXXX XXXX, NC XXXX. I told her I would have to speak to an attorney before I made any decision on payment because if it was written off what I purchases it made no sense to set up this account. They could not find my account.
On Friday, XXXX XXXX, XXXX I was contacted by XXXX XXXX ID # XXXX regarding my first complaint referenced above. We went over all the information regarding the problem. I spoke to her today on XXXX XXXX, XXXX and she is still pulling tapes to listen to as I gave her the log of whom I spoke to. I originally was not going to tell the CFPB about the so-called account and told XXXX XXXX that today but upon further thought I believe it should be told as I am not comfortable anymore with Capital One. They tape our conversation but I was denied my request to also tape it as " their policy not to allow that or she ( XXXX XXXX could not speak to me '' and two she was still waiting to hear from XXXX regarding telling me that my account was written off and I owe nothing but I could pay to the so-called account above " if I wanted to. '' XXXX XXXX appears to be a good person and concerned but she works for Capital One. I am concerned about the fact that they have defrauded me by losing my account, then telling me they wrote off what I owed XXXX as it was not my fault, that I was " helpful '' to them clearing up the other persons account who has my same name, but even though my purchases are written off I could still pay " if I want to. '' I am making this record because I am concerned they will delete their phone records and or tamper with them to descise the deception already going on here. This has caused me emotional diress and physical diress. No one person should have to go through this. XXXX XXXX will contact me next week, Thursday, XXXX XXXX with an update. But only she can tape the conversation. I will have my husband present as witness as I seem unable to protect myself. I believe there is some kind of cover-up going on.
I feel truly used, abused, and defrauded by Capital One and XXXX.
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09/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
|
We booked a trip to XXXX, Oregon for XX/XX/XXXX to XX/XX/XXXX. We booked a unit based on the description on XXXX, and decided that based on that description, it would have enough space for us, our XXXX dogs, and all of our stuff.
As is noted by XXXX, the unit was listed as being the " size of a small studio apartment ''. According to XXXX, the average studio apartment is around XXXX square feet. To be called a studio apartment, it must have a sleeping area, living area and a kitchen area.
Upon arriving, we quickly realized that the unit was nowhere near the size of a small studio apartment. It is in fact, a single room with no closets that measures XXXX XXXX XXXX ', of which the majority of space is taken up by the queen bed. A bathroom was attached that was XXXX XXXX XXXX ' and that was it. Perhaps XXXX square feet in total. That is NOT a studio apartment. It does not even have it's own HVAC controls, now does it have a kitchen or a sitting area.
XXXX collects funds upfront upon booking, and the check-in process is automated with instructions being given to access a key box in order to enter. This is not like a hotel that allows you to see the room prior to arrival, so an accurate description is extremely important. Keep in mind as well, we had just driven 16 hours to get there and it was XXXX XXXX at night on one of the busiest weekends in XXXX. There was no reason to cancel prior to coming, the reason we canceled is that the description was so inaccurate.
We immediately tried to find alternate accommodations but finding a place that weekend was VERY hard due to the beautiful, XXXX degree weather. The soonest we could get a place was Saturday but even then it was not guaranteed. We trucked through until Saturday and promptly left the unit once we could secure alternative housing.
I have attempted to work with XXXX since the XXXX of XXXX and they refuse to be of assistance. They kept insisting that the unit was listed correctly, even though it says on the listing it is the size of a studio apartment and they will not acknowledge that this is NOT the size of a studio apartment in any definition.
Furthermore, I left on the XXXX of XXXX around XXXX and Informed the Host of this. He went ghost on me the entire day and only responded when I cancelled the reservation later that night. I then double-checked, and he did indeed rebook the unit the nights I was not there. Yet, he still kept our money.
This is a valid claim because his listing is incorrectly described. In fact, it is a small ROOM, not a small STUDIO. Using that kind of language encourages people to book the room based on incorrect information and then prevents them from getting their money back due to a restrictive cancellation policy.
If I said the sky is green, is it? This host is trying to shift the definition of a studio apartment to mean a bedroom with a bathroom attached and a seperate entrance. That is NOT a studio apartment in any way and calling it such amounts to a deception that meets every definition of fraud. I have XXXX dogs and XXXX adults, why would I book such a small place? Small is XXXX square feet. Not XXXX square feet, which is EVEN LESS than a hotel room! Even a hotel room has a closet, this didn't even have that.
Capital One " investigated '' our claim ( Claim # XXXX ) but denied it because XXXX provided a copy of their cancellation policy. We canceled after we got there, therefore putting us outside of the cancellation window. Again, we need to reiterate here that reason we canceled was because upon arrival, the XXXX was not as described. How are we supposed to cancel a room that isn't as described when we haven't even seen the room yet? This is a restrictive and unfair policy that offers no protection to buyers.
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06/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
I called Capital One on XX/XX/XXXX and spoke to a representative who was very helpful. He removed my husband as an authorized user and faxed me a letter withing 15 minutes stating this had been done. I forwarded this letter over to my mortgage company as we are in the process of buying a home and were suppose to close on XX/XX/XXXX. I immediately received a call from my mortgage company asking that the letter state " The account has been removed from the credit file '' I called Capital One back with this simple request at XXXX on XX/XX/XXXX. I was told by the representative they could not send a letter with specific wording without a written request which would have to be mailed in then it would take 7-10 business days to receive a letter back. I advised the representative that I do not have 7-10 business days as we are closing on our homeXX/XX/XXXX. She advised I could fax in a request to General Correspondence to XXXX XXXX XXXX, she stated once the fax was received it would take 30-45 minutes for me to receive the letter I was requesting. Thursday morning, XX/XX/XXXX at XXXX XXXX I faxed a written request asking that a revised letter be sent with specific wording stating " The account has been removed from XXXX XXXX XXXX credit file. '' As of XXXX XXXX on XX/XX/XXXX I still had not received a fax back with the letter which I requested. I called Capital One to follow up and was told I they could not send a custom letter as they only have generated letters to chose from and this was not an option. I asked to speak to a supervisor as I was getting different information from every representative I spoke to. I was transferred to a senior account supervisor by the name of XXXX. I explained to XXXX from the beginning my issue and what I needed. I explained I received a letter stating my husband had been removed as an authorized user on my account ; however, the mortgage company is asking that the letter state " the account has been removed from his credit file '' in order to have his credit score increased. I advised i faxed over the written request as I was told to do so and now I am being told you can not send the requested letter. XXXX advised the same thing the representative stated that they do not have access to send a custom letter ; HOWEVER, she would send over a credit dispute herself to their credit department to have this taken care of for me and they would fax me a letter back within 3-5 business days. That was on XX/XX/XXXX at XXXX XXXX that she sent the request over to the credit department. I called back on Friday XX/XX/XXXX, Monday XX/XX/XXXX, Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX for a status at to make sure everything was going smoothly and being processed as we are on a time frame and I needed this done in a timely manner. Every time I called and spoke with Capital One I had to start back over at the beginning and no one was able to see all the notes from previous conversations. When I finally did get with a supervisor it was a nightmare and no one was helpful or could give me any information. I spoke with a supervisor on Monday XX/XX/XXXX who advised she could see this was " in processing '' I called again on Tuesday, XX/XX/XXXX and was told again by a supervisor this should have been completed and faxed over yesterday as that was the deadline. SHe stated if I dont receive the fax by Wednesday at XXXX XXXX to call back. I called again on Wednesday XX/XX/XXXX around XXXX XXXX as there was still no fax. At this point in time they finally advised me they would NOT be sending the requested letter. Now the closing on my home has had to be pushed back 2 weeks to XX/XX/XXXX because I fell a week behind waiting on a letter which I was never going to receive. TERRIBLE TERRIBLE CUSTOMER SERVICE!!!!!!!!!
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09/22/2016 |
Yes |
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Web |
|
This letter is being sent to as notices sent to B CAP ONE XXXX CAP ONE BK XXXX XXXX XXXX, XXXX, VA XXXX XXXX your company erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
This is a fraudulent account that was open on my name Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I, XXXX XXXX XXXX, consumer and of competent mind and age affirm that this complaint is accurate and true to my belief. I have a credit card with capital one bank and I requested a limit increase on 2x occassions, on what I thought was an Open Credit Plan and was denied the increase. According to 12 CFR 1002.7 - Rules concerning extensions of credit ( a ) Individual accounts.Acreditorshall not refuse to grant an individualaccountto a creditworthyapplicanton the basis of sex, marital status, or any otherprohibited basis. I have in good faith electronically and verbally requested a higher limit as a consumer under my direction and authority. I was under the impression that I had a open end credit plan and the account did not have a limit. Pursuant to 15 usc 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. My social security number, in which pursuant to 15 usc 1602L The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services on credit, and was denied. Additionally, according to 15 usc 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to acreditorin excess of the total balance due on an account, ( 2 ) rebates of unearnedfinance chargesor insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, thecreditorshall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by thecreditorand can not be traced through the consumers last known address or telephone number. I had a balance that exceeded {$1.00} several times over the history of having this open-end credit plan opened. I have not received any disclosure separate from my billing statements 21 days before the statement date. According to the 12 USC 411 The said notes shall be obligations of the United States and shall be receivable by all national andmember banksand Federalreserve banksand for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States.The Secretary of the Treasury shall pay interest due or accrued on the public debt. Also 31 usc 3123 ( b ) As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Capital One has created the false believe that Affiant/Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes, which is false and is considered extortion under 18 usc 1961 . The United States is obligated to tender payment pursuant to 18 usc 8 and it is Federal Law that when my credit cardsocial security number was used, it fully funds my account.
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05/09/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
Capital One ( " bank '' ) refuses to return a deposit of {$1000.00} plus interest, falsely asserting by XX/XX/2020 letter that it has closed the account and that it has confirmed issuance and cashing of a check. Bank also has wrongfully charged an early withdrawal interest penalty of {$720.00} after it unilaterally closed a 10 year CD in a different account. Bank terminated the relationship after first denying my wife 's login access to her account which she discovered on XX/XX/2020, Friday night. Bank next restricted my access to my funds but not my login, which I discovered on XX/XX/2020 Monday morning after we called that day to inquire about a suspicious activity alert from bank regarding her accounts that we first saw on XX/XX/2020 Friday night. Calls during our three hour personal meeting with a Capital One employee on XX/XX/2020 from the local CapitalOne Cafe, following calls on XX/XX/2020, and calls on subsequent days did not resolve the issue. Bank would not share with us what credible information caused it to restrict the accounts other than to say on XX/XX/2020 that someone named " XXXX '' in New York was seeking access to my wife 's account. We explained that my wife was merely trying to link her account to XXXX XXXX in New York so that she could transfer funds to a high yield CD. Bank accused us on that call and a subsequent call that morning when we were cut off during the first call of giving access to an unauthorized person ( XXXX? ) and stated that for that reason " they were terminating the relationship ''. They never seemed to understand that XXXX is a bank that merely needed routing information to make trial deposits of a few cents before establishing the link. My wife was unable to complete the planned transfer to XXXX as a result of the bank 's actions so lost the opportunity to receive significantly higher interest from a competitor. I was also unable to make planned routine transfers. My wife had asked me to participate in her calls because her native language is not English and she is new to on-line banking. Bank would not let either of us access our own accounts to transfer our funds to pre-existing external linked accounts and insisted instead on mailing checks totaling several hundred thousand dollars that arrived several days later, after being repeatedly warned that they were putting the funds at risk of theft or accidental loss or mis-delivery, based on actual experience with regular mail deliveries to our residence. Bank 's actions also caused extra risk for us as senior citizens and others during the Covid-19 pandemic because we had to make needless trips outside to personally deposit these large checks. Numerous requests by telephone, email, courier, and regular mail, including letters also to the highest levels of the company, have not resulted in return of the one deposit and the early withdrawal penalty interest, nor any disclosure either of what credible risk of a security breach was occurring with respect to our personal information and the funds in our accounts. The only written response was a XX/XX/2020 letter from " XXXX, On Behalf of Capital One '' XXXX, ext XXXX stating in part, " After thoroughly researching your concerns surrounding our decision to end our business relationship with you, it was determined that all actions taken by Capital One were done so appropriately due to our current policies and procedures. Per the Capital One Rules Governing which pertains to all deposit accounts we may close any account in our sole discretion at any time, for any or no reason and without notice to you. '' " XXXX '' also stated that the funds in acct.no. ending in XXXX had been " confirmed as cashed ''. My wife and I responded by letter dated XX/XX/2020 but have not heard back.
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06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
This XXXX XXXXXXXX XXXX account was settled for {$530.00}. All payments were made as agreed before XX/XX/XXXX. XXXX payment made over phone XX/XX/XXXX with supervisor XXXX informed XXXX I'll call and provide CERTIFIED XXXX XXXX XXXX mailed to XXXX GA tracking number so there's no issue on XX/XX/XXXX and I would report payments to XXXX. Was unable to reach XXXX XXXX, XXXX, & XXXX asked Rep for his supervisor XXXX told she was in meeting left number no call back. XX/XX/XXXX mailed last payment {$20.00} same as above tried to reach XXXX and XXXX again ignored and no call back left messages.
XX/XX/XXXX XXXX I called XXXX XXXXXXXX XXXX spoke to XXXX informed her I reported payments to XXXX not a dispute had to click dispute to access options, chose other and reported payments. She stated it looked like dispute, thanked me for clarification and notated my account. I inquired about payment XXXX informed me there was only one for {$20.00} on XX/XX/XXXX I stated " your out of your mind I made a {$250.00} payment with XXXX over the phone '' she stated " oh yes I see that '' when I asked her about the {$250.00} mailed certified XX/XX/XXXX at XXXXXXXX XXXX to arrive XX/XX/XXXX XXXX stated it was not there. I was Livid informed her I would report company to USPS, FTC, OMBUDSMAN, Every Government agency there was because no way a {$20.00} check should post before {$250.00} that was mailed a month before. XXXX new about I called to inform him and for some strange reason I could never get in touch with that guy.
I hung up tracked it, it stated Arrived XX/XX/XXXX at XXXX XXXX MN XXXX on receptionist desk. All money orders receipts states MAILED XXXX GA, who illegally rerouted to XXXX and why only XXXX knew it was coming. He was informed on a RECORDED LINE. Beyond Livid I called back spoke to XXXX XX/XX/XXXX @ XXXX briefed her on XXXX and I convo and latest discovery. She was didn't seem to care they never care mattarfactly I detect Biases and only speak to people of XXXX or XXXX XXXX and they talk to me indifferent. I'm smart and get where their coming from XXXX wants dismiss my call do a dispute but she doesn't have tracking information to submit. XXXX the supervisor still wouldn't intercede nor come to phone. I was infuriated, crying because after my call with XXXX later I checked credit report and THIER REPORTING ME NEGATIVE AND IN GOOD FAITH I PAID SETTLEMENT MONEY ON TIME.
TODAY IS XX/XX/XXXX the only way I spoke to XXXX was because I called her back if that wasn't BIAS WHAT IS!!! XXXX AND XXXX INFORMED HER OF FRAUD MISSING XXXX. SHE SPOKE TO ME DISMISSIVE I AM XXXX XXXX I FEEL ALL THEIR ENERGY AND IT'S SAD. Their office is in Florida I did an Inquiry on Money Order Sat.
Meanwhile, XXXX was informed to CLEAR MY NAME WITH THE BUREAU XXXX KNEW I MAILED THAT MONEY ORDER I REPORTED IT TO XXXX WITH TRACKING NUMBER. For some strange reason when I made complaint XX/XX/XXXX with USPS TRACKING KNOW SHOWS MONEY ORDER ARRIVED IN XXXX GA XX/XX/XXXX THAT'S PREPOSTEROUS WHEN I CHECKED IT STATED XXXX.
EITHER WAY IT WAS MAILED XX/XX/XXXX {$20.00} WAS MAILED XX/XX/XXXX AND POSTED TO ACCOUNT. XXXX AND XXXX I BELIEVE FOR WHATEVER BIAS REASON LOCATED IN FLORIDA KNOWS SOMETHING BOTH IGNORED MY CALLS. I WANT MY CREDIT REPORT UPDATED PAID SETTLED. THIS IS FRAUD I PAID DEBT.
TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX. MONEY ORDER # XXXX FROM XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX TO XXXX XXXXXXXX XXXX XXXX GA XXXX ARRIVAL XX/XX/XXXX CERTIFIED MAIL ALERT!!!!! XXXX XXXXXXXX XXXX DID NOT COME UP ON YOUR LIST PLEASE TELL ME WHAT COMPANY THIS IS AFFILIATED WITH XXXX.
I WAS DIRECTED TO SEND MONEY HERE. THIS NUMBER IS ON MY CREDIT REPORT AND WHERE SETTLEMENT WENT XXXX IF THIS IS IDENTITY THEFT AND I'VE DEFRAUDED IN THIS MANNER I INTEND TO SUE.
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05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX I received an alert from my XXXX membership that a new inquiry had been added to my credit report. I immediately went online to check as I had not applied or given any lender permission to run my credit. I found out the inquiry came from Capital One and I immediately called the number listed on the credit report to see what was going on. After speaking to a rep, I was informed that someone applied and was approved for a credit card in the amount of {$500.00}. I told the rep that I did not apply for this and it is fraudulent. The rep said she would report the account as fraudulent and it would take 30-60 days for my credit report to be updated.
On XX/XX/XXXX I called Capital One again as they inquiry was still on my credit reports. The 1st rep told me that there was no report ever done with my social #. I Informed him that I filed a report on XX/XX/XXXX with a fraud rep. He transferred me to that Dept. I explained to the rep about the inquiry still be reported on XXXX and XXXX. After a lot of back and forth, rep transferred me to a fraud manager and she was able to look at records and verify that on XX/XX/XXXX they sent a request to the bureaus indicating that the account is fraudulent and for the any account to be removed. I asked if the bureaus would know to delete inquiry as well and she said yes.
I called on XX/XX/XXXX at approximately XXXX because the inquiry was still on my credit report. I talked to a rep and he stated that as of today, account not reported as fraudulent!! Which is why XXXX and XXXX hasnt been updated. I told him this really concerns me as each time Ive called since XX/XX/XXXX it has been stated that account was flagged as fraud. I explained that when I last called in XX/XX/XXXX the fraud manager told me that the bureaus were updated on XX/XX/XXXX about the fraudulent activity and to have inquiry/account removed.
The rep then transferred me to an account manger named XXXX. He placed me on a brief hold to get more info about account being reported as fraud. XXXX Verified date info sent to bureaus and it was XX/XX/XXXX ( diff date from call on XX/XX/XXXX ).
XX/XX/XXXX account/inquiry was requested to be closed due to fraudulent activity. I requested to have this info sent to me in writing and he Said that wasnt possible. XXXX stated that I would be need to file with dispute department via mail and there was no phone or email option to file a dispute with them.
I contacted all 3 bureaus on XX/XX/XXXX and all 3 confirmed that they NEVER received any request from Capital One to have the account/inquiry removed due to fraud. They will not remove the inquiry until the creditor that initiated the inquiry requests to have it removed. I have received different information every time I speak to a Capital One representative in regards to my fraud case. I have been lied to and given false dates as to when the credit bureaus were contacted. This inquiry caused my credit score to drop 10-15 points and is hindering my home buying process. Capital One has been very negligent and irresponsible in this whole process.
I demand that an immediate request is sent to all 3 credit bureaus ASAP to have the account and inquiry removed due to fraudulent activity. I refuse to wait 30-60 days or mail anything as this matter has been going on since XX/XX/XXXX and I was told by 2 different account/fraud managers at Capital One that the bureaus were contacted in XX/XX/XXXX ... when in reality they weren't. Capital One failed me when they allowed someone else to open a fraudulent account and they have been horrible in regards to fixing their mistake in a swift manner. Something that was supposed to be resolved in 30-60 days as still not been resolved in the last 6 months and that is unacceptable.
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10/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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In brief : I tried to connect a bank account with US details that I set up in the XXXX with a Capital One account and now they will not let me withdraw my money. When I tried to prove my identity, they said it would take 60-90 working days. They will not tell me exactly why this has happened and now send my calls directly to an answering machine to which they do not respond.
In late XXXX I moved to the USA from the XXXX. On XX/XX/XXXX I was issued a SSN and opened a bank account with Capital One. While opening this, I was asked if I wanted to connect the account with another one that I had. I thought that this might be useful, so connected the account with a Transferwise account that I had set up in the XXXX. It has a US routing number and account number attached to it. The accounts were meant to connect in a few days and {$10.00} would be sent at that point. I also transferred {$2400.00} into the account from the XXXX account, {$1000.00} into the checking account and {$1400.00} into the savings account.
This was fine for about a week. When the {$10.00} came through and the XXXX account and the Capital One account became connected, both of my Capital One balances were frozen.
I phoned Capital One on the same day and initially they were somewhat helpful. The first person I spoke to told me that Capital One had decided to close my account, but they would not return my money as I was still under investigation, despite a determination to close my account having been made. The person on the other end of the line would not tell me what I was under investigation for. I asked to speak to a manager who was more helpful, saying that the issue was that Capital One needed to confirm that the XXXX account belonged to me. As a conference call, we called XXXX together who said that they could not confirm account numbers over the phone. Eventually, they agreed that I could read out an account number and they would tell me if it was attached to my membership number. Infuriatingly, just as I was about to do this, the phone line dropped.
I phoned Capital One back and again got in touch with a supervisor. This time they would not stay on the line with me and instead put me on hold while they talked to XXXX. After keeping me on hold for a while they came back to say that XXXX would not confirm account numbers over the phone. I asked if we could conference call them, but the supervisor refused. They said that XXXX would send me proof of account ownership documents and that I should email these to XXXX. I did this on XX/XX/2023. I've attached the documents in case they're helpful.
The email response said that they would respond to me in 60-90 working days, which was far too long for me to be without my money. It was the vast majority of the money that I had brought to the country. As a result, I phoned Capital One a few days later for an update. When I phoned them, I was told that a decision had been reached and my account was going to be closed. At the same time, they would not tell me why or when I could have my money back. I asked if I could speak to a supervisor or if there was any way I could appeal. After being put on hold for about 10-15 minutes I was told that there was nothing I could do, but they would get my money back to me as soon as possible.
This was all nearly four weeks ago. Now when I phone Capital One I am just put through to an answering machine and told that they will contact me within 48 hours if there is anything to discuss. They never do.
I am sorry that I am unable to provide dates for so much of this, unfortunately it largely took place over the phone and so it is difficult to track down exactly what has happened when. I have tried phoning them so many times and now they are not even responding.
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10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am simply writing this complaint to let Capital One know that I will be closing all my accounts including my credit cards and auto financing with them and will be taking my business elsewhere due to extremely poor customer service from them. I already have a company lined up to take over my auto loan with a lower APR and my credit card will be paid off and closed as soon as I possibly can which will not be an issue. I have cards open with other competitors with better rates and EXTEREMELY better customer service. I filed a complained before because I was told multiple incorrect things by the foreign customer service reps who told me 1 ) That my secured card could never be unsecured. Which was a lie because my secured card was later unsecured. Then I was told 2 ) That I could get an IMMEDIATE credit limit increase. Which again was a lie because when I applied for the CLI I was told that I had to wait since the account was recently unsecured. then 3 ) That I could combine two of my cards and then get a credit limit increase. Which I stupidly listened to the foreign rep again and did that and it did not work ( stating that I had to wait after combining cards ) and caused me to close an old card and drop points on my credit report.
Even though the reps were the ones who told me to do all of these things, when the executive board called me about my complaint they basically told me it was my fault because I agreed to the terms and conditions of the card even though the reps did misinform me, there was nothing that they were going to do about it. They did not care whatsoever and they would not take ay responsibility for their poorly trained outsourced customer service reps. I spoke to a executive rep named XXXX who did not help me whatsoever with anything. She basically just recited legal jargon and told me refer to the terms and conditions and that it was my fault for listening to the reps and clicking " I agree '' on the terms. I have been with capital one for 4.5 years and now am completely ending all accounts with them. My family will also end all accounts and my friends will do so as well. This will also be posted on CFPB, the BBB website and all social media as well letting others know not to sign up with capital one because they have an F in customer service.
I also simply asked them for a goodwill gesture of them to remove my late payments from years ago on my old account. Over 2-3 years ago I went through a lot including my brother committing suicide, my family getting evicted due to the amount of bills and also other medical issues. The card was never canceled I just had a few 30 dates and I eventually got caught all the way up. I have n't made a late payment in over 2 years and had two cards with capital one. I know for a fact that they can do goodwill deletions because they have done them for other people in the past. I do n't know if its because I am young, or if its because I am XXXX American, but they denied my claim with absolutely no remorse. Honestly I do n't even think the executive rep even put my claim in, she just told me she was going to ask her management team about it and then I called back a few days later and she said they denied it. Wow this is how they really treat customers? I definitely want nothing to do with them. I will stick with my more reputable PRIME companies like XXXX and XXXX. Capital one did absolutely nothing to try to keep me as a customer even though I was asking for small simple things! Too bad I now have to take all business elsewhere.
Capital one please do not contact by phone or anything else. I am tired of speaking to all your non helpful representatives. Unless I receive a call from the CEO himself please do n't contact me at all. I am liable to start litigation.
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02/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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CapitalOne ( Reference : XXXX ) From : XXXX XXXX XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Reference : XXXX To : XXXX Re : XXXX XXXX XXXX Dear Fraud Investigation Department Customer Care : I, XXXX XXXX XXXX, submit all information regarding the working relationship between XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
I : First Contact On XX/XX/XXXX, XXXX XXXX XXXX, cross reference the two checks, review my. Notified me and retained my services. ( See XXXX XXXX XXXX ) retained my services from XXXX.
Form of Payment : ( i ) XXXX XXXX paid me by Check. ( ii ) XXXX XXXX deposited on XX/XX/XXXX on XXXX XXXX ( Between XXXX and XXXX XXXX ) Branch. ( iii ) Capital One verified the check, and payment was deposited into my account.
Second Contact : On XX/XX/XXXX, XXXX XXXX contacted me to clean. ( See XXXX XXXX XXXX ).
I deposited a $ XXXX XXXX check at the Capital One Branch on XXXX XXXX ( Between XXXX and XXXX XXXX ) Branch. On XX/XX/XXXX, Capital One restricted the account.
XXXX. Preliminary Statement : A. XXXX Background Check Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Member Profile & Membership Information ( Internal Only/Not Visble to Families to protect my Identity ) image.png image.png XXXX XXXX Form of Payment ( See credit card information ) image.png XXXX XXXX Family Ratings for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notifications Workflow Processes and Procedures image.png III. XXXX XXXX Initial Contact XXXX XXXXXXXX XXXX XXXX XXXX. XXXX @ XXXX is my account on XXXX XXXX XXXX knows me as XXXX, not XXXX.
XXXX XXXX. XXXX XXXX XXXX Account is credit card on account with XXXX image.png Conclusion : I am respectfully requesting that CapitalOne understand that : XXXX. I was contacted by XXXX XXXX via XXXX XXXX. XXXX XXXX knows me as XXXX XXXX, which I use.
XXXX. On XX/XX/XXXX, I worked, was paid, and deposited a form of payment on XX/XX/XXXX.
XXXX. On XX/XX/XXXX, I worked and XXXX XXXX gave me a bereavement gift of $ XXXX.
XXXX. On XX/XX/XXXX, I presented my boarding pass to CapitalOne XXXX XXXX XXXX and was given $ XXXX in cash to go and bury my Sister.
XXXX. On XX/XX/XXXX, I had over {$3500.00} in the account for traveling to XXXX, where I purchased travel accommodations and used CapitalOne XXXX. I am in good standing as a XXXX CapitalOne depositor and XXXX XXXX XXXX.
I respectfully request an opportunity to keep my in good standing account and ask that CapitalOne review the above submitted as proof that I worked, earned and was given a gift from XXXX XXXX on XX/XX/XXXX for my Sister 's funeral on XX/XX/XXXX in XXXX, XXXX.
Respectfully submitted, XXXX XXXX XXXX _______________________________________________________ Second Notice ( Reference : XXXX ) from : XXXX XXXX XXXX to : XXXX, XXXX XXXX XXXX, XXXX date : XXXX XXXX, XXXX, XXXX XXXX subject : Second Notice ( Reference : XXXX ) mailed-by : XXXX _________________________________________________________ Third Notice From : XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Second Notice ( Reference : XXXX ) Dear Fraud Department : I am writing this email to inquire about the above referenced.
Destination of funds when the CapitalOne Account was closed XXXX XXXX ( XXXX ) after deposit.
Thank you very much for your time, and I look forward to hearing from you.
Respectfully submitted.
-- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX ; XXXX XXXX XXXX ; " XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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11/29/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Servicemember |
My husband and I have a joint credit card with Capital One. He also has an individual account with them as well. We purchased the " payment protection '' program which covers ( credit monitoring, permanent XXXX and ineligible unemployability ). My husband is a XXXX XXXX veteran and totally unemployable. I so glad he purchased this extra feature because it came in handy. We received from Capital Once a notice in theMy husband and I have a joint credit card with Capital One. He also has an individual account with them as well. We purchased the " payment protection '' program which covers ( credit monitoring, permanent XXXX and ineligible unemployability ). My husband is a XXXX XXXX veteran and totally unemployable. I so glad he purchased this extra feature because it came in handy. We received from Capital Once a notice in the mail stating as follows : REMINDER : YOU 'RE ENROLLED IN CAPITAL ONE PAYMENT PROTECTION. RE : YOUR ACCOUNT ENDING IN XXXX, ..TO MAKE A NEW BENEFIT REQUEST, GIVE US A CALL AT XXXX. So In XXXX 2016, I called Capital One and spoke to c/s rep. XXXX where I proceeded to file a claim because my husband has had many physical and mental ailments which the last being admitted in the XXXX XXXX in XXXX 2016 for a XXXX. He remained in the hospital for XXXX weeks. He is still recovering due to many setbacks. On XXXX 2016, I contacted the company to find out the status of the application because there has been no response and we have been receiving threatening calls stating our account will close and attorneys will be contacting us for payment if we do not make a payment. On XXXX XXXX, 2016, I spoke to c/s rep. XXXX in the collections dept. I asked about the application. She stated she knew nothing about the payment protection program and she does n't know what dept. handles it but we do need to make a {$190.00} payment because its going to be charged off. I asked to speak to someone else regarding the payment protection, she transferred me to someone named XXXX, she is account specialist in the Specialty Assistance Program mail stating as follows : REMINDER : YOU 'RE ENROLLED IN CAPITAL ONE PAYMENT PROTECTION. RE : YOUR ACCOUNT ENDING IN XXXX, ..TO MAKE A NEW BENEFIT REQUEST, GIVE US A CALL AT XXXX. So In XXXX 2016, I called Capital One and spoke to c/s rep. XXXX where I proceeded to file a claim because my husband has had many XXXX which the last being admitted in the XXXX XXXX in XXXX 2016 for a XXXX XXXX. He remained in the hospital for XXXX weeks. He is still recovering due to many setbacks. On XXXX 2016, I contacted the company to find out the status of the application because there has been no response and we have been receiving threatening calls stating our account will close and attorneys will be contacting us for payment if we do not make a payment. On XXXX XXXX, 2016, I spoke to c/s rep. XXXX in the collections dept. I asked about the application. She stated she knew nothing about the payment protection program and she does n't know what dept. handles it but we do need to make a {$190.00} payment because its going to be charged off. I asked to speak to someone else regarding the payment protection, she transferred me to someone named XXXX, she is account specialist in the Specialty Assistance Program. I got frustrated. I then called back and spoke to XXXX, we made the payment. We came to find out that Cap. One canceled our Payment Protection without our knowledge or permission. They canceled the protection XXXX 2016. I then spoke to XXXX, XXXX @ XXXX on XXXX XXXX. She stated they no longer have payment protection. I asked her why would they cancel this service that we need without our permission and why did n't anyone tell us this when we applied back in XXXX. She had no answers. # shameonyou
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12/08/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I 'm submitting another CFPB Complaint against Capital One Bank ( Credit Cards Division, AKA : Firm ) for a spectrum of reasons which I will detail herein my complaint however, in general after the firm had granted/approved a second credit account post final determination of the below referenced complaint ( XXXX ), the firm retaliated against me for filling a Government Complaint with CFPB and closed this second credit account. Furthermore, in my belief, the firm refused to reopen my original account via their appeal process because I decided to submit the original CFPB Complaint when the firm had not complied with their turn around time frames to communicate with me regarding the appeal status ; the oversight/submitting manager even asked me not to submit the CFPB Complaint yet.
This new complaint is because of Capital One Bank ( 'Firm ' ) being deceptive, abusive, retaliatory, and financially harmful to me from XXXX of 2016 to current, XXXX of 2016.
On XXXX XXXX, 2016, I was solicited by XXXX XXXX XXXX Capital One Bank to apply for an unsecured credit card with " Good Odds '' of approval. XXXX 2016, a multitude of Capital One firm agents advised me that my original/secured credit card account was closed due to returned payments and secured credit card accounts can never be reopened, no matter if a bank error was the closure cause ; therefore regardless of my appeal outcome, I was still eligible to apply for another Capital One Credit Card account. With the advice and permission of firm agents, as well as, direct solicitation from firm itself to apply for a new credit card account ; I did so on XXXX XXXX, 2016 and was immediately approved for a XXXX XXXX, unsecured revolving credit card account ( Second Capital One Account/Credit Card ).
Upon approval, the firm emailed me confirmations and automatically linked the new account to my pre-existing online profile which includes to this day, the first closed credit card. Approximately XXXX5 days later, I received my XXXX credit card in the mail ; then activating the card with my name associated with it. Since activation of the card and account, I 've made many purchases and have since submitted XXXX ACH Payments that were sent via my bank, XXXX XXXX and have cleared. On XXXX 2016, the firm without notice, decided to close my newly opened credit account. The reason that I was given was because of recent returned payments, which can only be true for the prior account that was closed and not of this second account.
This is unfair, deceptive and abusive practices by advising & direct soliciting me that I am eligible to apply for credit card products. Once I do apply for a credit card product, the firm approves the application, sends me the new account cards, allows and consents to activation of the new credit card account, as well as debit transactions and accepts my successful payments. After all of this, the firm then closes this newly approved credit card account without notice to me until I attempted to use the credit card at a grocery store and it was decline per a restriction to close the account. The first case and closure on XXXX XXXX, 2016 has caused very negative impacts to my Credit reports ( CBR 's ) and their credit scores per the account closure and then now there 's another hard inquiry on my CBR and there will be another credit card closure per credit grantor/lender. This looks very negative to other creditors that will review my CBRs and will impact me for years to come. I 've also incurred an annual fee of {$39.00} on the newly approved/activated credit card.
Violations include, but not limited to : Fair Lending Act- Reg B ; Reg Z- Truth in Lending ; Fair Credit Reporting ( FCRA ) ; Unfair, Deceptive or Abusive Acts or Practices ( UDAAP ).
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04/08/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Capital One they claimed that they had investigated and came out with the idea it was me because some information matched up but that information was frudulent and I have proof from the Credit reporting agencys that the information was fraudulent ( victim of Identity theft ). This account with Capital One ending in XXXX are the result of fraud and under the FCRA 2009 ( a ), these charges are fraudulent and this account was opened fraudulently in my name. Also in accordance with 615 ( g ) of FCRA that the account is known to be Fraudulent, so that the original creditor can not sell, or transfer the debt so I will notify Capital One to cease & desist any collection activity on account XXXX, under federal law ( Fair Debt Collection Practices Act ) they must. Capital One seems to be playing this debt off saying its not fraudulent because someone used fraudulent information in my name and has been proven to be fraudulent information from the Credit Reporting Agency itself. I have and will once more send over a FEDERAL AFFIDAVIT identity theft report to Capital One under the penalty of perjury, also I will once more supply Capital One with the needed information and paperwork to produce the ACCURATE decision. They opened other accounts and every creditor other then Capital One specifically for account # XXXX has conducted a accurate report, in a timely manner.. I should not be having to jump through loopholes with Capital One for account XXXX to resolve this issue Under the FDCPA 2009, this debt is uncollectable by furnishing the appropriate information to Capital One. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) tt alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Also I have a mail fraud report from the Post Master of USPS, deeming information fraudulent again. Capital One found that the account opened with them through Cabelas was fraudulent using the same information ... now they are denying this by saying some fraudulent information that is currently being removed by the credit bureau ( that you have proof of ) matches what the THEIF gave us .... this makes no sense.
Also they state that the charges made were for XXXX XXXX car and showed me as the primary driver, but I have also filed a identity theft report with the CALIFORNIA DMV as my license was also a result of Identity theft, the county of XXXX XXXX has issued me a statement and issued me a new Drivers license along with erased the tickets that did not belong to me.
Also I have proof that the phone number provided that Capital one is basing their investigation on is not mine as well, I am in contact with the Attorney Generals office in regards to negligence and creditor mishandling of this case.
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01/31/2017 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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My boyfriend and I attended a 3 day training class on flipping homes. It was called XXXX XXXX. The owners of the business are XXXX and XXXX and do a TV show called XXXX XXXX. We took the 3 day course in XXXX and were told this was a great market for flipping homes. The people who taught the class were excellent sales people but had no idea of the XXXX housing market. The lead trainer was from XXXX. They spent the first day getting every one pumped up on how much money we could make and the second day, they had us sit down with their assistants at lunch and we were told to call as many credit card companies as we could and charge as much as we could because we would make it back on our first flip. They guaranteed they would work with us until we make the money back. This means a phone call. I am now over {$20.00} in credit card debit with a terrible credit score. My credit score was very good before this disaster. We were both interested in XXXX. The staff was very professional and skilled. The leader was XXXX XXXX known as the ( XXXX ). He was very good at what he does -- building people up to a big dream and then enticing them to pay big money for it. On day 2 of the seminar they offered us a package after pumping us up on day 1. He told us this was the perfect time to get into the XXXX in our area. He showed us the market was on the upswing in the XXXX XXXX area particularly. We would be able to make a lot of money. He talked about many success stories and that it was n't that difficult if you just follow the easy steps. Look for properties, look for investors and buyers, and continue to develop an income stream. Easier said than done! On day 2 we called as many credit card companies as we could to see how much credit we could get. He never explained that this would lower your credit score, not allow you to qualify for any type of loan or line of credit because of your high credit card debt. We only qualified for hard money lending which we would be unable to pay back because that would mean we would make no profit on the house we were flipping. Next problem, the flipping market high tide was 4 years ago when people made their money in this area. We have talked to local real estate investors, realtors, contractors, gone to investment club meetings, talked to other class members and found what I have just stated to be true. Also, if you could find a house, the ones that have already been rehabbed beautifully in the XXXX XXXX. area continue to sit on the market and they keep lowering the price because the area is not desirable to live in. The only people that can make money are the ones who already have money and can pay in cash. You can make as many offers as you want but if you do n't qualify for a loan what because you have such high credit card debt what good will it do you? So we are each out XXXX and struggling to pay back high interest rate cards. I currently do not have a job and have been threatened by the credit card companies with legal action. They made us feel very important by giving us their own personal phone numbers ( no response ). You call customer service ( their assistants ) and wait for someone to call you back. We both had great credit scores before this scam. It was very interesting that some people paid XXXX, some XXXX and XXXX elderly gentleman paid XXXX. It seemed like whatever you could charge on your credit cards is what you had to pay. I was n't completely stupid, I looked at the reviews before taking the class and they were good until more and more people took the class around the country and found out it was a scam and then the reviews turned bad. I have been working on this for the past 2 years to get my money back because companies should not be able to take money away fro
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04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX Account XXXX Capital One XXXX XXXX XXXX, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Dear Capital One : On the contrary, regarding your reply letter dated XX/XX/XXXX, Capital One has NOT provided a full previous response fully addressing my concerns. As previously noted, Capital One keeps neglecting their responsibility regarding an account opened in my name fraudulently. Instead of fixing their mistake and providing me with a paid in full letter OR even working with me fairly for a just and reasonable outcome, they keep selling and/or evading this account. Capital One refuses to accept the responsibility because this account was fraudulently opened under my name. They have denied having it or sold it to other entities, three so far.
Capital One scammed me then sold the debt so they can release themselves of what they've done. I want justice, and I don't want to be shuffled around to other collection agencies because Capital One doesn't want to deal with me. They have hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. I will keep making a fuss until they work justly with me for what they've done.
My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX Data Breach last year. Capital One are criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent.
Abbreviated Correspondence List Below : Six CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account.
I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).
Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with any of these entities for a fraudulently opened account for removal on a fair amount.
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original application. However, now we will never know.
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account.
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities.
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send.
Captial One reply letter XX/XX/XXXX Still refusing to accept any responsibility for opening up a fraudulent account and they still will not work with me.
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04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
I started a dispute around XX/XX/XXXX, about 2 Capital One credit card accounts that were reporting on my credit report as charged off. I was blind sided when i applied for a VA home loan and was turned down because of those two Capital One accounts that do not belong to me. Both were opened around XX/XX/XXXX in XXXX XXXX. They do not belong to me. I know this because i never had a Capital One credit card account, and I was living in XXXX XXXX since XX/XX/XXXX, almost 2 years befor they were opened. I started a dispute on both accounts and was able to get the one with the smaller amount removed but the one reporting for {$1300.00} still remains. I followed the steps in asking for proof that links me to the account but never received it. I spoked the the credit reporting bureaus and they gave me the numbers to the law firm who were representing Capital One, and the also gave me Capital One 's number. I called both numbers and explained my delima. Both seemed sympathetic to my problem but in the end no one wanted to believe I was a victim of identity theft. Instead The law firm said thay no longer was handling the case and that i had to call Capital One. But capital one said I had to speak to the Law firm. Then the Law firm sent me a package with 25 pages showing the charges that was made on the account. It does not link me to the account whatsoever. They even sent me a copy of an Affidavit Of Service from the Sheriffs Department showing that personal information on me was sent to a person who they assume was a relative of mine by the name of XXXX XXXX. And sent another copy to my old address at XXXX XXXX XXXX in XXXX XXXX First, I don't have relatives that live in XXXX XXXX. Second, XXXX XXXX is listed as a XXXX female, so she couldn't be my relative because i don't have XXXX relatives in my family and because i am XXXX. Been XXXX my whole life. And third the letters were delivered between XX/XX/XXXX- XX/XX/XXXX three years after i moved from XXXX to XXXX. The reason for my move is because i was diagnosed XXXX XXXX in XX/XX/XXXX. I moved to XXXX inXX/XX/XXXX and started XXXX XXXX at VA in XXXX XXXX, and have been living here ever since. Now XXXX XXXX may have a relative with the same name, but it most certainly is not me. Because neither Capital One or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not given me proof that links me to this account i have asked them to removed the account from my credit file, but to no avail. Instead I get a letter form the law office that states " Our client has determined that there was no fraudulent activity in connection with the account, therefore we marked our file accordingly and will continue collection activity. I you have in questions, please contact our office. '' So if they're not handling the account anymore why should i contact them? And why was one of the capital one accounts removed and not the other. They nwere both opened up within a month or two of eachother. And what happened to following the letter of the law when it comes to the Fair Credit Reporting Act. Neither Capital One or XXXX XXXX XXXX showed me any proof linking me to the account. The really negated there proof when they delivered paperwork to a stranger who has no ties to me or my family. So I hope you can help me in my effort to have this tradeline removed from my credit file because it does not belong to me! Consumers are supposed to be protected from this kind of act by the Credit card companies and Credit Bureaus. In the mean time, I have filed a Police report, And have sent a letter to the Attorney generals office. I hope and pray something can be done about this and this problem corrected by a removal from my credit report. Thank you for your time and consideration in this matter.
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05/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am seeking to file a complaint agains t Capital One Credit Card Company for fraudulent practices. For the past three years, I have attempted to get my Capital One Cre dit Card Accounts credit reporting correctly to the credit bureaus but to no avail. In XX/XX/XXXX Capital One acquired XXXX XXXX and during the acquisition I already had a Cap ital One ca rd and a XXXX card. I have been a Capital One cardholder for many years and have always enjoyed a low interest rate of 9.9 % on my card, due to my good credit, until the acquisition and when I attempted to close my XXXX card. On XX/XX/XXXX , I called XXXX XXXX to close my account after receiving notice the Capital One would now acquire them. There was no need for me to have XXXX Capital One ac counts. I made the payment for the final amount due on my card and received confirmation of payment and was assured the account would be close after the payment cleared. To my dismay, they did not close the account. I continued to receive my regular bills from my original Capital One acc ount which I paid on-time and I never received any further correspondence from XXXX bank. Around XX/XX/XXXX , I ran a credit report to apply for a car loan, at this point the credit report showe I ha d three late payments to Capital One in XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX . The credit report show ed that I had XXXX Capital One accounts and not XXXX . I called Capital One immediately to clear up the error and had them close XXXX of the Capital One Accounts and explained the situation. I was told by the customer service representative that I should dispute the error with the Credit Bureaus and it would be adjusted there. Never once did I receive XXXX bills from Capital One. Never once was I notified that XXXX did not close my account. I disputed the error and received a generic letter saying the account was disputed and we believe that our determination was correct. No one fro m Capital One called me to check on anything. There was no way they could have researched without knowing the details.
I have made numerous phone calls to Capital One tryi ng to get the errors removed from my credit card to no avail. Today, XX/XX/XXXX the account is still listed incorrectly on my credit report. You must be making quite a tidy profit off this practice : customer calls in to close account, you dont close the account and as a result have their credit report negatively so you can then take their rate up to triple what it was. Today I called once more and spoke with XXXX XXXX to request that the account be reviewed and the delinquent items be removed from my credit report. Again, I got the run around. XXXX suggested that I get an attorney if I feel that this was truly fraudulent. Under the fair debt collection act, it is fraudulent. I have begun to see a XXXX over the severe amount of XXXX and financial challenges I have had to incur the last 3 years because of this negative situation. Now I can see why th e CEO of Capital One , XXXX XXXX , has made close to 500 million dollars over the pa st five years. Im appalled at the transparent and aggressive tactics used by Capital One, to gene rate revenue and profits, at the expense of so many loyal customers. My goal is simply to get the above-mentioned errors removed from my credit Aft er five years of having this card, this is too much. After watching some of the hearings in Washington against banks and credit card companies charging excessive fees to their customers, I felt compelled to finally express my frustration for the hard-working tax payers of this country and to ask Capital Ones CEO , XXXX XXXX to stop abusing your customers.
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04/29/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Capital One XXXX XXXX Account # XXXX To whom it may concern, An external transfer of {$150000.00} was made from XXXX XXXX to my checking account at Capital One. The bank received the money in full, placed a hold on it for a few days, everything was cleared, and I was provided access to my funds. When the funds were finally available for me to withdraw, I initiated a domestic wire transfer for {$50000.00} to my brokerage account at XXXX XXXX XXXX, and the funds were received at the brokerage account on XX/XX/2021. I also requested an ACH transfer of {$100000.00} to my account at XXXX, which was processed, and posted on XX/XX/2021.
On XX/XX/2021, I received the attached email from Capital One stating that they are restricting my accounts, may terminate my accounts, and send the balance on the accounts to my linked external checking account. I already had plans to close this account, and because of that, had already withdrown funds. Only {$0.00} were left in the accounts plus any interest that I may be owed, and I was not really worried, until on XX/XX/2021, I received a call from my brokerage that Capital One has requested a recall on the wire transfer that had been sent to them from my account I was surprised. Money was in my account. Transfer was made from my account to my account at a brokerage. Why is Capital One doing this without even consulting with me?!!! So they are trying to get back the money into my capital one account, and freeze it, when there is no judgement or levy against me. I also saw my XXXX account had been restricted. So, I contacted my banker, and was told they have received a call from Capital One saying the source of my funds that have been transferred into my XXXX appears to be fraudulent I was so shocked.. " What? The bank is accusing me of fraud. Why? How? '' First of all, it is an absolute violation of my privacy for a financial institution to discuss allegations with another financial institution while there is no judgement or levy against me. Funds had been transferred from my account at Capital One to my account at XXXX. The transactions were completed with funds that were made available by Capital One, and without Capital One ever disclosing what is going on with my accounts or why they are taking this course of action, they have frozen my accounts, and have felt entitled to call other financial institutions to reverse the transfers with no direct authorization from me or even a simple clarification to me as to what is going on is unacceptable.
I, HEREBY, DEMAND CAPITAL ONE TO PROVIDE ME WITH AN EXPLANATION AS TO WHY THEY HAVE FROZEN MY ACCOUNTS, UNDER WHAT JURISDICTION OR LAW.
I request Capital One to unfreeze my accounts, cancel the reversal requests of my money at my other financial institutions back to Capital One, close my accounts at Capital One, and transfer the remaining balance to my linked external checking account.
I am already in the process of involving my attorney and discussing the violations of my privacy by Capital One in accusing me of fraud with no proof or judgement with other financial institutions that I have accounts at, as well as the unlawful freeze of my accounts, and request for reversal of the fund transfers that had already been posted, again with no court order, or direct discussion with me. However, filing this complaint first to try and resolve this matter amicably. I have already tried contacting Capital One agents multiple times, and have not been provided any instruction as to what is going on, why my accounts are under investigation, why the funds that have already posted in other financial institutions are requested to be returned, and I have been told, no information can be provided, and everything is handled by a back office.
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02/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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IN XXXX MY HUSBAND AND I SECURED A HOME EQITY LINE OF CREDIT FOR XXXX THROUGH XXXX BANK. A YEAR LATER CAPITAL ONE PURCHASED XXXX BANK AND ACQURED OUR LOAN. OUR PROBLEMS DID NOT START UNTIL XXXX WHEN CAPITAL ONE PLACED AN ESCROW ON THE ACCOUNT AND STARED ADDING FORCED PLACED INSURANCE ON OUR HOME. DURING XXXX OUR HUME WAS DESTROYED IN HURRICANE XXXX AND INSURANCE WAS NOT REQUIRED AT THIS TIME BECAUSE THERE WAS NOTHING TO INSURE. THIS WAS EXPLAINED SEVERAL TIME AND AND ESCROW WAS REMOVED FORM THIS ACCOUNT AND ANY FORCED PLACED INSURANCE WAS REFUNDED. HOWEVER, IN THE COMING YEARS ON XXXX FORCED PLACED INSURANCE WAS ADDED AGAIN ALONG WITH ESCROW. I CALLED SPENT NUMEROUS HOURS ON THE PHONE ; SENT LETTERS AND PROOF OF INSURANCE. IVE RECORED EVERY CALL AND KEPT COPIES OF EVERY LETTER I WAS SENT ; AND LETTERS I HAVE SENT CONCERNING THIS ISSUE. SUBSEQUENTLY, IN XXXX I RECEIVED A REFUND FOR FORCE PLACED INSURANCE FOR THAT YEAR. HOWEVER, IN XXXX I WAS BILLED AGAIN ONLY TO GO THROUGH THE SAME TIRING PROCESS AGAIN. THIS HAS HAPPENED OVER AND OVER AGAIN. WE WERE NOT REFUNDED ANY FEES OR INTEREST DURING THIS PROCESS. LET ME ADD WE HAVE NEVER BEEN WITHOUT INSURANCE ON OUR HOME AND THE POLICY NUMBER WE HAVE WITH XXXX IS THE SAME POLICY NUMBER WE HAD FOR 30 YEARS.
FAST FORWARD TO XXXX THE HOME EQUITY LINE OF CREDIT ( WHICH I THOUGHT THAT MY HUSBAND AND I SIGNED FOR XXXX ) BECAME DUE IN 15 YEARS. NO PROBLEM RIGHT WE HAVE EXCELLENT CREDIT RIGHT. WRONG!! WE WENT INTO THE LOCAL BRANCH FILLED OUT INFORMATION TO OBTAIN A LOAN PAYOFF OF AN EXTENDED LINE OF CREDIT. WE GAVE ALL INFORMATION NEED TO OBTAIN ANOTHER PAYOFF FOR THIS LOAN. WE HAVE OVER ONE MILLION DOLLARS IN ASSETS ; AND MINIMAL DEBTS. BUT WE WERE TOLD THAT OUR DEBT RATIO WAS TOO HIGH AND WE WERE TURNED DOWN FOR THE LOAN. I UNDERSTAND THAT BECAUSE OF CHANGES IN THE WAY LOAN ARE PROCESSED FOR SMALL BUSINESSES THAT WE MAY HAVE SOME PROBLEMS ; BUT IT TOOK XXXX 4 MONTHS FOR THIS PROCESS. BUT IT GETS BETTER ; WHILE WE TRIED TO GET A LOAN NO ONE AT CAPITAL ONE INFORMED US THAT WE COULD GET RE-MODIFICATION ON THIS LOAN. FIRST WE WERE ROUTED TO LOSS MITIGATION WHICH IS A JOKE. IT TOOK CAPITAL ONE UNTIL XXXX XXXX TO LET US KNOW WE DID NOT QUALIFY FOR LOSS MITIGATION ( THEY ALSO DID NOT GIVE US ANY REASON WHY WE DID NOT QUALIFY FOR LOSS MITIGATION. WE CONTINUED TO PAY THE INTEREST ON THE ACCOUNT UNTIL XXXX OUR CHECK WAS MAILED BACK ADVISING US THAT THE WHOLE AMOUNT OF THE LOAN WAS DUE. THEN WE STARTED RECEIVING LETTERS CONCERNING FORECLOSURE OF SHORT SALE. AFTER CONTACTING LAWYER, XXXX FROM CAPITAL ONE CONTACTED ME OFFERED A LOAN RE-MOD WITH THE TERMS AND INTEREST RATE. ( THIS WAS IN XXXX XXXX ). I DISCUSSED IN DETAIL THE PROBLEMS WITH THE ACCOUNT ( FORCED PLACED INSURANCE ) AMONG OTHER THINGS.. I WAS ASSURED THAT THE LETTERS WERE COMPUTER GENERATED AND I WOULD NOT GET THEM AGAIN. NO OTHER INFORMATION WAS NEEDED AND ORIGINATION WILL CALL TO SCHEDULE WHEN WE ARE TO CLOSE. WE ARE STILL WAITING TO CLOSE THIS ACCOUNT IS STILL IN ORIGINATION ; AND THE FORCED PLACED INSURANCE IS STILL BEING PLACED ON THIS ACCOUNT. I HAVE A PRINT OUT IN AN EXCELL SPREAD SHEET FROM CAPITAL ONE OF EVERY TRANSACTION THAT TAKEN ON THIS ACCOUNT SINCE XXXX ( SINCE THIS COMPANY HAS CHANGES SYSTEMS OVER THE YEARS ) I ALSO REQUESTED AND RECEIVES ALL PRINT OUT OF NOTES FROM CSR CONCERNING EVERY CONTACT SINCE XXXX. WOULD I RECOMMEND CAPITAL ONE TO ANYONE ABSOLUTELY NOT!!!!!!! WITH ALL THE COMPLAINTS CONCERNING CAPITAL ONE HOME LOANS AT THIS TIME, I AM CONCERNED THAT THIS COMPANY HAS NOT BEEN FINED BY THE GOV. OR INVESTIGATED CONCERNING MISMANAGEMENT OF LOSS MITIGATION FUNDS ON THE HOME LOAN SIDE. I AM SENDING A COPY OF THIS COMPLAINT AND ALL DATA THAT I HAVE OBTAINED AND ALL STATEMENTS TO THE ATTORNEY GENERAL.
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07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I filed for bankruptcy in XX/XX/XXXX. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to XXXX my score is XXXX.
I contacted XXXX via Consumer Financial Protection Bureau on XX/XX/XXXX, but XXXX refused to take responsibility for the FICO score they are providing to lenders, saying it is the fault of the individual lenders. Therefore, I am including CreditWise and Capital One in my complaint that XXXX and CreditWise, a credit reporting company of Capital One, are artificially keeping my credit score low and continuing to punish me for my bankruptcy. ( Attached, please find snip 1 ) As mentioned earlier, there was no increase in points after the bankruptcy was dropped from the credit report. However, as shown in snip 2, XXXX and Creditwise decreased my credit score by 36 points.
Snip 3 shows the reason for the decrease in points is due to increase in debt. But as mentioned before, {$110000.00} is not due to personal loans, but to student loans, on a income driven repayment plan with XXXX. My monthly payment for this {$110000.00} is {$120.00}.
The increase is debt is also not correct because it does not take payoffs into consideration. I took out a new car loan for {$13000.00} on XX/XX/XXXX, after my XXXX XXXX XXXX was totaled in a car accident, which wasnt my fault. That means the loan for the XXXX was paid off, which is not included as a point increase. A debt consolidation loan taken out for {$7000.00} on XX/XX/XXXX that was completely paid off early on XX/XX/XXXX also was not shown as having positive points. There also seems to be some confusion about a car loan that I took out on XX/XX/XXXX. This loan was never actually funded. As you can see from the below clip, it was canceled the same day it was taken out. Therefore, this loan should not be a factor in my credit report score as shown by Snip 4 After submitting my complaint to XXXX, I rechecked my CreditWise account today, XX/XX/XXXX. It shows that my score increased by 2 points, because of debt reduction, but no other positive points, even though it shows that 3 recent inquires are no longer on my record, as shown by Snip 5 And somehow, since filing my complaint on XX/XX/XXXX, my credit score has now been dropped by 43 points, instead of 36 a week ago, as shown by Snip 6 How can a credit score drop by an additional 7 points when all I did was pay bills on time? ( Actually, Im not sure if the drop was by an additional 43 in a week. ) Perhaps the CreditWise simulator can explain that. I used a CreditWise tool called a simulator, in which you can enter different scenerios to see how it would impact my credit. Paying on time for 2 years, LOWERED my credit score by 14 points. Please see Snips 7 and 8.
If paying on time lowers a persons credit score by 14 points, which is a positive thing, one must consider that CreditWise and Capital One are artificially keeping my credit score low.
As I stated in my previous complaint, over the past 10 years, I have had two late payments, which were due to a debt consolidation loan in XX/XX/XXXX. TransUnion, CreditWise and Capital One do not consider having a good repayment history is a good thing. I would think that only having two late payments in 10 years, after filing for bankruptcy shows character and a willingness to make sure their credit improved. And yet, XXXX, CreditWise and Capital One are not acknowledging any positive steps I have made to improve my credit.
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01/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Dear Sir or Madam : We are writing to dispute the following information in my file. I have highlighted the item I dispute on the attached copy of the report I received.
This item Capital One Auto payment for XXXX XXXX is inaccurate on all the credit reporting agencies for XXXX and XXXX XXXX and specifically on XXXX it displays 60 days late or XXXX or more payments. The information is inaccurate because XXXX attempted to pay this amount utilizing the creditors web pay system, but it was unavailable. XXXX contacted the creditor via telephone on XXXX XXXX, XXXX and explained she was trying to access her account for review and payment to pay the amount of {$460.00} which would have been within the terms of agreement to satisfy the amount due and to prevent any 30 days late. The phone representative could not provide any assistance for XXXX to resolve the issues with the creditors web site unavailability. XXXX could barely understand the representative who spoke XXXX that was mostly non- legible. XXXX never understood the representative offer to review her account with her over the phone ; neither did she hear him ask to take the payment over the phone. The representative never advised XXXX that her payment was approaching a 30-day late status. In fact, XXXX became fairly impatient with the fact that she had someone who could barely speak XXXX and a website that was not available. This contact with customer service failed the XXXX in their attempt to pay the debt timely as they had done since inception of the loan nearly four years prior. XXXX eventually, after many hours and attempts was able to access the site without help from Customer Service.
XXXX proceeded to make the payment via XXXX XXXX XXXX account on XXXX XXXX, XXXX on the web pay site for the Creditor. On the site and on the back of the bill ( see attached ) it clearly states that any payments made by check even if sent by someone else will be used for electronic transfer of funds may be withdrawn from your account the SAME DAY YOU MAKE OR WE RECEIVE YOUR PAYMENT. THERE IS NOTHING IN WRITING ON THIS BILL STATEMENT THAT INDICATES THE PAYMENT HAS TO POST TO YOUR ACCOUNT BEFORE IT IS CONSIDERED AS RECEIVED. In fact, XXXX and XXXX understanding in accordance with the terms of payment stipulated on the bill that the day a check is received is the day the funds should be considered as transferred and XXXX HAVE A RECEIPT OF PAYMENT BEING RECEIVED BY THE CREDITOR ON XXXX XXXX, XXXX ( See Enclosed ). The date XXXX wrote on the check has no bearing in accordance with the payment schedule terms found in writing on the site and on the back of the billing statement. Had the creditor acted as stated on the terms of the payment agreement and processed the check as an electronic transfer on the same day it was received ; then it would have been honored by the XXXX bank, just as it was on the day the Creditor decided to post the check ( See Enclosure ). The XXXX made their payment prior to XXXX XXXX, XXXX which was the deadline for the 30-day payment to be received prior to being considered as 30 days late. Further, this Creditor does not report to the credit reporting agencies until the XXXX day of the month. THIS WAS LONG AFTER THE XXXX PAYMENT HAD BEEN RECEIVED AND POSTED. The XXXX can not be responsible for when the Creditor post the payments. The payment was received in accordance with the terms and agreements to be made less than 30 days late. The date on the payment that was received XXXX XXXX, XXXX was XXXX XXXX, XXXX, but that was irrelevant. Even, if the Creditor did not post the payment until after XXXX XXXX, XXXX it is simply a Goodwill policy to allow a customer in good standing a few days ' grace period " one time '' at XXXX, during the 6-year
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06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
On XX/XX/2019 I found a woman off of XXXX named XXXX who offered credit repair services. She told me for {$690.00} she would add tradelines to my credit report. XXXX asked me to use XXXX to purchase the tradelines however I did not want to use XXXX as I had a bad experience with XXXX. XXXX said she wanted me to use XXXX because XXXX had suspended her account : XXXX and told me to use her partners account XXXX XXXX 's XXXX account XXXX. XXXX told me that she got the tradelines from XXXX at XXXX XXXX ( XXXX ) XXXX and the tradelines would appear on my credit report in 30 45 days to boost my scores so I could purchase an investment property.
Between XX/XX/XXXX and XX/XX/2019 no tradelines appeared on my credit report. When I contacted XXXX XXXX, I found out XXXX did not work for XXXX XXXX and did not appear anywhere in their system. XXXX and I contacted XXXX in a three way call and she changed her story from getting the tradelines from XXXX XXXX to she was going to get the tradelines through a third party wholesaler. When I asked her for the contact information to the third party wholesaler, she told me the contact information could not be provided.
XXXX lives in XXXX but has a XXXX number and her partner XXXX has a number XXXX. After the three way call with XXXX XXXX, XXXX started avoiding my calls and would not provide me with the 'third party wholesaler ' that she claimed to have used for the tradelines.
I then contacted XXXX and reported fraud and XXXX told me I would receive a refund in 10 business day. I never got a refund.
XXXX stated XXXX and XXXX posted three tradelines on my credit report. I asked XXXX to provide me with copies of any/all written documentation showing XXXX posted tradelines on my credit reports - XXXX could not provide me with the documentation requested. I asked XXXX for the name of the tradeline brand ( e.g. XXXX XXXX, the credit limit, age of tradeline ( s ) and the date the tradelines supposedly posted to the credit report so I can confirm with the Credit Bureaus - XXXX could not provide me with information about the tradelines. I asked XXXX to provide me with the third party wholesaler 's contact information ( name, phone number, website, email ) that XXXX claimed to have used - XXXX does not have the third party wholesalers contact information. I asked XXXX for XXXX current contact information - they could not provide that information. I asked XXXX to provide me with documentation used in their investigation to confirm the tradelines posted to my credit report and I have not received any documentation from XXXX. XXXX then sent me an email stating they need an additional 75 days to conduct another investigation.
In the meantime, my Capital One card was charged {$690.00}. XXXX told Capital One and Master card that the transaction was valid based off of verbal statements from XXXX and XXXX. I told Capital One and XXXX that the transaction was relate to " the sale of certain items before the seller has control or possession of the item '', " involve certain credit repair, credit transactions '' which " involve offering or receiving payments for the purpose of bribery or corruption '' " involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent. '' Which violates XXXX policy and I would like my refund. I have been scammed and would like XXXX to give me my refund of {$690.00}.
Dispute Case ID : XXXX Transaction Amount : {$690.00} USD Dispute Amount : {$690.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2019 I also provided XXXX, the credit bureaus and Capital One with a MP3 recording about the transaction.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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08/10/2016 |
Yes |
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- Advertising and marketing
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Web |
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I applied for a card with Capital One in XXXX 2016, and was approved for the Platinum ( with a {$300.00} limit ), a card other than the XXXX I thought I was applying for ( the XXXX ). I was informed by email that I had been enrolled in the Credit Builder program ( an email I am no longer able to find ), the description of which states that the card does not report to the credit bureaus for the first five months, and I decided to make the best of things and keep the card, since it would have no impact for those months. The first statement did not report, but the second statement did, and due to heavy usage of the card that month, my credit scores dropped like a rock. It was at this point that I first contacted the company, on XXXX XXXX, and it took the wonderful customer service representative over an hour, and multiple times of putting me on hold, to discover that I had been moved into the Credit Steps program instead ( and, according to the representatives I spoke to today, I was placed in Credit Steps immediately and was never in Credit Builder ). The representative and I came to the conclusion that the best thing to do was to close the card, and dispute the existence of the account with the credit reporting bureaus, as a fraudulent account, due to the glitches encountered with respect to the account/program not being as expected or advertised. I was told it could take up to 60 days for the bureaus to update the information, and when they had not done so, I called Capital One back on XXXX XXXX and was then told it could be XXXX days. On XXXX XXXX, after 90 days had passed, and it was still on my reports, I called up XXXX and XXXX directly, and they were able to remove it with no hassle. XXXX refused to remove it, saying that Capital One was still reporting it to them, and that it would be back next month even if they removed it, but that they would send them an electronic letter requesting authorization to remove it. I received an email from XXXX and a letter in the mail from Capital One telling me that it was not removed, and that the account information was accurate. Since then, I have checked my credit reports, and despite XXXX and XXXX having agreed to remove the account, and removing it, it is back on both of those reports ; Capital One filed the disputes on my behalf, but continues to send the credit reporting bureaus information that contradicts those very disputes.
I spoke with a Capital One online chat customer service representative this morning ( XXXX XXXX ), as I had finally given up on ever getting the account removed from my reports, and decided the best thing to do was to have it be product changed into the product that I expected that I was applying for in the first place. After going through the entire story with the representative, she told me that she could not reopen the account, because I had requested it closed, and that unfortunately she could not help me. I was told that all I could do was apply for a new card, and with Capital One querying all three credit bureaus, and refusing to remove my old account, I am certainly not going to do that ; they 've caused me enough damage. I was denied by XXXX for a card in XXXX for having XXXX too many recently opened cards ; they explicitly told me that if I had not had the Capital One card appearing on my report, that they would have approved me.
Finally, before contacting the CFPB, I called Capital One 's executive customer service number just now, and was told that they can not do anything either. Furthermore, I was told that I could not have received an email telling me that I was enrolled in Builder, as Builder is something that customers are invited to apply for, not something that happens automatically upon card approval.
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10/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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XX/XX/XXXX I purchased some clothes from XXXX. Once the purchase was made I realized that my account information was automatically set to my old address in XXXX XXXX. I currently reside in XXXX. I immediately contacted XXXX on their website help center so i could notify them prior to the items being shipped. I attempted to call XXXX on their phone number but you are unable to reach them via phone. I continuously contacted them on their help center. I received an automated response on XX/XX/XXXX. The response acknowledged that they received my request but it was unclear. I emailed them back saying that it was unclear to me and gave them the correct address once again. They replied letting me know that their system does not let them change information once the order was placed. I contacted XXXX to see if they can stop the item and send it to the correct address when it is shipped. XXXX told me that XXXX would have to contact them. I noticed XXXX and let them know that they needed to contact XXXX. The issue was never resolved. I disputed it with capital one and provided them with ALL of the proof that shows i did everything in my power to get my package delivered to the correct address. I even told capital one to reference the information that they have on file and they will see that it even changed my address from XXXX XXXX to XXXX with them because i no longer live in XXXX XXXX. Capital one has even sent me a new credit card in the mail to my XXXX address so that is proof i no longer live in XXXX XXXX. Capital one gave me a temporary credit of {$170.00}. On XX/XX/XXXX. I received an email from capital one saying my dispute was denied. I immediately called them and explained how it didnt make since that it was denied when i sent them all of the proof that i have been contacting XXXX since i made the purchase and noticed the items were going to be sent to another state. I sent capital one more proof via email. They said they would expedite my claim And have it reinvestigated. On XXXX capital one removed the temporary credit of {$170.00} from my account. They said it would be reissued once the claim was reinvestigated. Today XX/XX/XXXX capital one informs me that my claim is still denied because I did not cancel the items before they were shipped. I inform them once again that i IMMEDIATELY contacted XXXX once the order was placed and didnt get a response until XX/XX/XXXX. I informed capital one that their is absolutely NO WAY to cancel once the order is placed. I even sent them more proof from a XXXX email with them acknowledging that i cant cancel it. There is no way i should be responsible for items that were shipped to a COMPLETELY different state and i have given every bit of proof that i have and capital one can even verify in their system that i no longer live in XXXX XXXX. I even showed them proof of me telling XXXX to call XXXX. The item was not shipped until XXXX and was not delivered until XX/XX/XXXX. This couldve been resolved if XXXX fixed the issue when i immediately contacted them and it couldve been resolved if XXXX communicated with fedex like they requested. Capital one received all of the proof they asked for and still denied me for a reason that was not an option for me. Canceling the order was not something i was given the option to do. That is why i reached out to XXXX on their help center immediately after the order was placed on XX/XX/XXXX. I will be attaching the proof of emails here. Unfortunately ( conveniently for XXXX ) they wont allow you to go back to the help center and review previous contacts to them which would prove i immediately contacted them XX/XX/XXXX but Im sure you could get that information from XXXX. Im sure they have that information on their back end.
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04/01/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Older American |
In the XX/XX/XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime.
XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime.
XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will
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09/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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My wife and I attempted to reserve a room online with hotel XXXX XXXX on XX/XX/XXXX for a stay date of XX/XX/XXXX to XX/XX/XXXX. The total of {$1100.00} was declined and the reservation was never completed. My wife and I chose to go with a different location.
-On the late evening of XX/XX/XXXX, XXXX XXXX XXXX sends an email stating they were unable to confirm the reservation due to the declined card. My wife replied to the hotel on XX/XX/XXXX that the transaction didn't go through and we would be staying somewhere else. Explicitly stating to the hotel not to charge the declined card.
-XX/XX/XXXX, after notification we wouldn't be staying with XXXX XXXX XXXX and request not to rebook a room, the hotel charged our prior declined card without our permission and books a non-refundable room. XXXX XXXX XXXX charged our credit card twice for {$1000.00} and {$180.00} to the sum of {$1200.00}. We contacted the hotel, and they refused to cancel the reservation that was made without our permission or refund the money from the account. We then opened a dispute with Capital One.
- Almost two months go by with no update. After my would be stay date, I was contacted by Capital One to notify us that we lost the dispute and asking for more information. The reason given for the lost dispute, was that the merchant provided a receipt for a non-refundable reservation. The receipt provided by the merchant provided to Capital One they are claiming as un-refundable is listed as made on XX/XX/XXXX. The merchant claims that the purchase made on XX/XX/XXXX was agreed upon and non-refundable. The conversation proof shown in the emails provided proves that we indeed did not approve the XX/XX/XXXX reservation. After providing copies of emails with the hotel claiming they were unable to originally make the reservation, transaction history, the time and date of emails, and the companies refusal to cancel the fraudulent reservation they made without my permission, the case was put in the Fraud Division 's hands at Capital One.
-I called Capital One 's Fraud department to follow up on the investigation. The fraud department notified me that they completed no investigation because since we had prior contact with the merchant, it was no longer fraud, despite them using our card without our permission. I was then notified on XX/XX/XXXX that my case was being moved BACK to disputes. The total of XXXX and {$180.00} was then recharged back to my account, despite it still being disputed.
-After contacting disputes for the second time, I was notified that I would need to provide the same information that I had provided to fraud. When questioned regarding the {$1000.00} and {$180.00} charges, I was notified that it would not be removed from the account this time and would accrue interest if left unpaid. If the dispute was found in my favor, I would not be charged for the disputed amount. I was asked to resubmit a letter detailing the events in my dispute. I submitted the new cover letter and information as asked and am waiting to hear back.
-My case has been bounced around departments at Capital One with only the most recent person on the phone able to give me a true real description of my case history. This case has been going on for almost 3 months. This should be an open and shut case in which the hotel used my card without permission and signed me up for a reservation I did not approve. The hotel stated themselves they were unable to originally make a reservation and made another one against my will. To some point, I feel Capital One is not supporting me in this dispute. I did not stay with this hotel and I should not be held liable for any interest, or payments made by this hotel due to these fraudulent transactions..
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08/27/2015 |
Yes |
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Web |
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On XXXX/XXXX/15 I bought a plane ticket through XXXX. They immediately sold my order to a company called XXXX. XXXX booked my ticket with XXXX XXXX. The company that charged my Capital One credit card was XXXX.
I booked the ticket to conduct XXXX in XXXX and XXXX. The ticket was a multi-city roundtrip ticket. The outbound flight was XXXX to XXXX ( XXXX ). The return flight was XXXX ( XXXX ) back to XXXX.
On XXXX/XXXX/15, I received a phone call from informing me that a Memorial Service had been scheduled for my Great Uncle, who had died previous to me purchasing the ticket ( his kids had n't scheduled the service until then ). The Memorial was to be held in XXXX XXXX, XXXX right before I was to leave for XXXX.
I called XXXX to switch my outgoing departure airport from XXXX to any XXXX airport so that I could attend the Service. They told me this would n't be a problem. But they said I had to work through XXXX to process the bereavement waiver.
I contacted XXXX and worked with them for several weeks, sending emails and making countless phone calls. They eventually forwarded the death certificate and relevant documents to XXXX. I spoke to several XXXX agents who told me that they had granted the exchange/refund waiver according to their bereavement policy. But they needed XXXX to call their Online Travel Company Waiver Department to retrieve my waiver code.
XXXX told me that they were unable to make outgoing phone calls and that XXXX needed to call them. So I called XXXX back and explained the situation. XXXX 's waiver department was also unable to make outgoing phone calls. So even though they had granted the waiver, these XXXX giant corporations refused to call each other in order to process the waiver.
I was stuck in the middle of this. I even offered to facilitate a conference call to put these XXXX companies ' waiver processing departments on the phone at the same time. But XXXX insisted the phone call must be placed by XXXX directly.
I called Capital One to challenge this charge, as XXXX was unable to process the waiver that they agreed to grant do to their inability to make an outgoing phone call.
Capital One facilitated a 3-way call with XXXX. XXXX said they were willing to grant the waiver, but asked if I could resend the death certificate and supporting documents. I faxed it to them, and have a fax receipt to prove it. But they still did n't issue a refund.
I called Capital One again to formally contest the charge. Capital One granted me an immediate credit of the full amount of the ticket - {$1300.00}.
On XXXX XXXX, Capital One contacted me to say that XXXX had responded to the complaint. According to Capital One, XXXX claimed that my XXXX ticket was non-refundable.
This is false. I originally booked my ticket through XXXX, not XXXX. I never agreed to buy a non-refundable ticket through XXXX. But most importantly, XXXX had already agreed to grant me a bereavement waiver. The problem was that they could n't make an outgoing phone call to XXXX.
Capital One asked me to send them documentation of this. I uploaded my documentation to their website prior to the deadline.
On XXXX XXXX, I received a phone call from Capital One supervisor XXXX ( Employee ID : XXXX ). He said they could do nothing because XXXX had claimed the ticket was nonrefundable.
I reminded XXXX that XXXX had granted a refund. XXXX looked into it and called me back that same day. He said they had run out of time to forward the refund request to XXXX. Since Capital One had n't forwarded this request by the deadline. If they had processed the documentation sooner, I would have been fine. But they failed to meet their own deadlines. I can not be held responsible for their failure to forward this.
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09/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
CapitalOne is billing me for the money I did not spend.
I opened a credit card with CapitalOne in or around XX/XX/XXXX. I am the lone card holder. Due to various unauthorized charges on the credit card # ending XXXX, I paid the credit card with XXXX balance on ( XX/XX/XXXX ), canceled the card, asked and received a new credit card # XXXX. This new card is never activated nor used to prevent unauthorized charges. On CapitalOne advise, I put credit freeze on my account with all the three major credit companies.
On or around XX/XX/XXXX I just received a fraud activity letter dated XX/XX/XXXX on a card number ending XXXX which I never had. Upon receiving this fraud alert letter, I called this company to protest because I did not know this card ( XXXX ) even exist not to talk about reporting fraud alert on the card ; I told CapitalOne to disable the card and demand payment from whoever the card was issued to ( case # XXXX with XXXX XXXX XXXX ( XXXX ) ).
On or around XX/XX/XXXX I received another fraud activity letter, on another credit card end # XXXX purportedly also on my name. I called and explained to CapitalOne credit card that I am currently having a card that ends in XXXX and there is no charge on this card since it is never activated. CapitalOne credit card should investigate to find out who opened these accounts on my name and cancel all cards on which my name appears. After many conversations on the phone with CapitalOne with different explanations ; on XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX ( XXXX ). I received a XXXX confirmation letter Your complaint was submitted on XX/XX/XXXX against Capital One Financial Corporation. Your complaint was assigned ID XXXX. I later received a letter dated XX/XX/XXXX from CapitalOne saying that your fraud investigation with CapitalOne is now resolved.
On XX/XX/XXXX ; astonishingly, I received a check in the amount of XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX cents from CapitalOne. Since I do not know where this money comes from, I immediately returned the check back to CapitalOne and notified XXXX accordingly.
On XX/XX/XXXX CapitalOne credit card sent an astonished new Credit card bill ; the same amount on the returned check. I notified XXXX again and complained I received a letter dated XX/XX/XXXX ; from CapitalOne saying Our records show that an authorized user was added to your account on XX/XX/XXXX under your name XXXX XXXX I again wrote through XXXX that I never authorized account to be added to my account with CapitalOne credit card # XXXX ( which is never activated ) and I am not XXXX XXXX. I asked CapitalOne to provide the application submitted for the addition. CapitalOne couldnt.
On XX/XX/XXXX, I checked XXXX for my credit report and discovered that CapitalOne adds someone else to my name ( Names reported : XXXX XXXX and XXXX XXXX ) as reported in my credit history dated XX/XX/XXXX with {$14000.00} debt adverse effect. An unknown address of XXXX XXXX XXXX XXXX ; XXXX . XXXX ; XXXX TX XXXX with phone numbers XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX ( Date updated : XX/XX/XXXX ) were also added to my XXXX credit report by CapitalOne. I notified XXXX and CapitalOne insist that I should pay this said amount. Please, assist me in telling CapitalOne to collect money from whoever CapitalOne gives credit card to and show the application ( if it is true ) submitted for an addition of another person to my credit. I just checked my credit and CapitalOne still places the debt on my credit. CapitalOne should investigate her members to fish out added another name to an innocent customer and repair my credit. I have copies of my correspondences with CapitalOne through XXXX.
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06/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
On XX/XX/2018 at approximately XXXX XXXX I got a call on my phone from " No Caller ID ''. XXXX XXXX left a voice message and told me to call ( XXXX ) XXXX. At approximately the same time, my son got the same voice message telling him to call XXXX XXXX at ( XXXX ) XXXX. She said : " This call is intended for XXXX. My name is XXXX XXXX. I'm calling with the XXXX XXXX XXXX XXXX XXXX are scheduled to be dispatched out to the verified property address and due to a failed attempt at this point we do need to ensure that you will be on premises in order to accept and sign for this. If any changes need to be made or if further details needed regarding your involvement in this case contact the legal department immediately at ( XXXX ) XXXX. When calling you will need to reference case number XXXX. Failure to contact today will result in adverse decisions being made you. You have been notified.
I went to the bathroom and called XXXX XXXX back. I was told there was no one there named XXXX XXXX but I could talk to XXXX. XXXX immediately started threatening me with I owe XXXX {$2300.00} and they have traced my phone and are sending a process server to my office to serve me. She said if I want to " willingly '' work this out, she could call and stop them. Otherwise they were on their way.
I told her if I did in fact owe this credit card bill from over 7 years ago, that I would be happy to set up a payment plan, but first she needed to send me a copy of the bill. She said she would send me the papers to sign and a copy of the bill. The entire time she is telling me that people like me who use credit cards and don't pay don't get special privileges. It is now in collection and when it is in collection you pay everything at once. No payment plans. I lost that opportunity. I received the papers to sign around XXXX XXXX as I was getting ready to leave work. I tried reading them on my phone but couldn't. The email came from XXXX XXXX. His email address is XXXX.
When I got in my car I called XXXX back and she transferred me to a gentleman whose name I could not understand. He wanted me to read the documents while I was driving. I told him I would be home by 7 and I would call him them. I ran late. At XXXX this gentleman called SCREAMING at me. He has been waiting for me to call. He is in California so it was only XXXX there. I told him that he still had not attached a bill from XXXX showing me that this was truly my bill and that I owed these monies. He said this was all I was going to get. Once something went into collection, you were no longer allowed to see an itemized bill. The two documents he sent me are in fact the same -- a letter signed by XXXX XXXX, Legal Administrator, which showed how much was owed and told me when the funds had to be paid by. The other document was the identical letter but had the Docusign boxes on the bottom asking me for my credit card information. I have attached the letter. When I tried to print the letter with the Docusign information, it would not print.
When I told the gentleman I was talking to that ( 1 ) if I owed this money and it was confirmed I would set up a payment plan but ( 2 ) until I received documentation showing that I owed this money I was not paying anything. He started screaming and yelling and saying he was sending the process server to Schwartz in the morning to serve garnishment papers. That is the place I used to work 9 years ago. I have contacted Schwartz and told them what was going on in case someone showed up.
Today I have gotten two " No Caller ID '' calls but no voice messages left. I looked up XXXX XXXX XXXX debt collection on line and every other word was " SCAM ''. I read everything that was written and it is my story all over again.
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05/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
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Web |
|
On XX/XX/XXXX, I hired XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX to move me from my apartment to a home about 1.7 miles. I signed a contract stating : XXXX XXXX 1/H 2-Bedrooms, Study, Living, Dining, Washer, Dryer, Freezer Please look over all the information provided in this contract to verify it is correct.
Please click the electronic signature link and E-SIGN to complete the booking process.
Failure to e-sign can delay or terminate the move date scheduled forfeiting your deposit.
A deposit of 25 % is required to reserve the move date. The deposit is non-refundable if canceled by can be applied to future moves for up to a year.
THE ARRIVAL WINDOW PROVIDED IS A TIME FRAME ESTIMATE and WE CAN NOT GUARANTEE THE ARRIVAL WINDOW to be precisely accurate but we will do our best to accommodate the window time frame.
The total cost is based on an hourly rate subject to a 2 hour minimum UNLESS A FLAT RATE IS NOTATED. The time is prorated in 15 minute increments after the 2 hour minimum is met. Should there be any other services requested, additional costs may apply.
Packing supplies other than use of furniture pads are not included. XXXX or similar furniture assemble / disassembly usually increases service time.
Safe jobs require full payment upon arrival. we make every effort to put a safe where its wanted however we can not guarantee the fitment and placement will work. payment is due regardless if the attempt is made.
Payment is due upon arrival at drop location unless the job is a storage out, which must be paid upfront payable by CASH or CARD ONLY.
We charge a door to door service, meaning the time doesn't start until the crew arrives and ends once the last piece is placed where you want it.
Our rates include only the USE of equipment and pads for protection, assembly/disassembly of furniture, stairs, elevators, long walks, and no box limit to move.
Furniture pads can be purchased to keep for {$10.00} each pad.
The e-signature constitutes an agreement to the terms and conditions here and expressively gives XXXX XXXX XXXX authorization to process the credit card you provide for the deposit and or the move when completed.
As stated in the contract agreement above that the use of furniture pads are apart of the move, disassembly and assembly of furniture.
XXXX XXXX movers DID NOT use furniture pads, they used shrink wrap ( that wasn't mentioned or authorized per the contract agreement ) for all furniture pieces, thus resulting in furniture damage.
After failed attempts to reach a resolution with XXXX XXXX XXXX XXXX, I filed a claim with Capital One onXX/XX/XXXX and had the funds reversed back into my account pending resolution.
I never received any correspondence i.e claim form, phone calls, from Capital One regarding the claim. I was never asked to forward any supporting documents pertaining to the claim, and on XX/XX/XXXX, I contacted Capital One regarding the status of the claim and spoke with XXXX who initially handled the claim. She informed me that XXXX XXXX forwarded the contract agreement and she closed the claim based on the agreement ONLY!
She falsely documented in the claim notes that she attempted to contact me by phone but failed to reach me. She also claimed that she mailed out supporting documentation from XXXX XXXX to the old address, failing to validate the address to ensure that it was current. I called Capital One three months ago to change the address and the address should have been current in their system.
It appears that Capital One personnel isn't trained to investigate claims ensuring that they have all of the facts along with documentation to make a sound decision. They are simply following processes and not necessarily procedures.
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03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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In XX/XX/2019 we got a car from XXXX XXXX in XXXX Maryland and went under the impression we were getting a car for our personal, household, and family use under credit via a consumer credit transaction. However after reading consumer laws that is not the case. We are calling out the fraud that Capital One Auto Finance and XXXXXXXX of XXXXXXXX committed when we went in for a consumer credit transaction. We were not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys books. I/We KXXXX XXXX XXXX and XXXX XXXX are the natural person ( s ), living man/woman and original creditors was not given full disclosure on the consumer credit transaction. Capital One Auto Finance is not the original creditor and that is false and misleading per the FDCPA. Capital One Auto Finance did not disclose their initial relationship with the dealership that would bring a natural person into commerce. Capital One Auto Finance and XXXX XXXX did not disclose that upon the consumers providing their social security numbers ( credit card ) per the Truth in Lending Act and subject to 18USC 8, by the cardholder ( XXXX XXXX ; XXXX XXXX ) that the consumers who are the ORIGINAL CREDITORS in the consumer credit transaction, credit would be used by the dealership and the financial institution to obtain a Loan from the federal reserve bank per ( 12 USC 1431 ) in the consumers name which is identity theft, and returned as a loan. Nothing of value was provided in consideration by Capitol One Auto Finance or the dealership. Also per the Truth in Lending Act the consumer was only to pay the finance charge in a consumer credit transaction. However much more was paid and still is being paid. Also was paid was a XXXX down payment which is also a violation in a consumer credit transaction. I am requesting validation of debt per 15 USC 1692g. In addition Capital One Auto Finance is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Lastly, There are other questions below that I would like answered point for point on a sworn affidavit. The first question is based on Federal Reserve Banking publications, by whom was the " loan '' funded I.e, who put an up ( asset ) to fund the loan and where did the funds ( I.e, cash, money, check ) come from? Second, provide full bookkeeping entries for account. And based on banking principles when the " note '' was signed and deposited to " create the funds '' an asset and liability was created to " balance the books, does that constitute as an exchange and settlement for the goods received, I.e, XXXX XXXX vehicle? Please also note That the giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. Also we are exercising our consumer rights to rescind the transaction per the Truth in Lending Act and want all funds returned to the original creditor ( I.e the consumers ; account holder )
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05/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Pursuant to 15 U.S. Code 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Dated on XX/XX/2022 Capital One Bank USA NA stated to I, Consumer, XXXX XXXX, This is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose. Overstand this Capital One, what I need you to really do this is, overstand Im aware you are in violation of 15 U.S. Code 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt okay now with that being expressed, listen to me as I walk you through this very serious matter of the law you have violated and consequences you are facing.. ( 1 ) PROVE with Documentary evidence that I, XXXX XXXX XXXX Consumer, gave Capital One the express consent to contact me directly or indirectly to collect any alleged debt? ( 2 ) Overstand that you are attempting to collect an extension of credit by extortion means according to federal law 18 U.S. Code 894 ( a ) Whoever knowingly participates in ANY way, OR conspires to do so, in the use of ANY extortionate means ( 1 ) to collect or attempt to collect ANY extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have all Documentary evidence Capital One Bank USA NA is attempting to collect an extension of credit by extortion means. So as long as Capital One Bank NA are aware of their actions and violations and consequences, that is fine with me. Im aware Capital One Bank is double dipping, my account are currently being reported to Credit Reporting Agencies as of XX/XX/2022 as Charge Off by Federal law definition means The writing off of a debt and termination of collection activity without release of personal liability. Which validated Capital One are performing deceptive business practices because a Write off by federal law definition means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So there you have it, Im aware of Capital One deceptive business practices, as a federally protected consumer my rights has been violated.
You are reporting inaccurate information on my credit reports so I am demanding Capital One to UPDATE my account to the credit reporting agencies as PAID AS AGREED! 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
UPDATE MY ACCOUNT AS PAID AS AGREED TODAY! All actions necessary will be taken if you decide to fail to comply with my instructions within my XXXX complaint! Warning Im fully aware of Capital One Bank USA NA deceptive business practices!
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11/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Capital One 360 is in clear violation of Federal Reserve Federal Reg E. They did not complete a thorough investigation. I have had multiple agents tell me there is no appeals process and that there is NO documentation regarding my claim and its process that can be mailed out. I'm appalled and shocked that a company like Capital One would have such an unethical branch that acts with a lack of integrity.
This is being written due to poor customer service and the lack of follow up and follow through with my claim with Capital One Bank 360. My debit card was stolen along with my backpack and cell phone and my debit card was used several times without my consent. I reported this to Capital One 360 and was assured that this would be thoroughly researched and looked into. I reported this and was advised by Capital One 360 Fraud manager XXXX and Rep XXXX on XXXX XX/XX/XXXX that my claim was officially started on XX/XX/XXXX. I called on XX/XX/XXXX because I had not gotten any paperwork, not an email, not anything letting me know whether my claim had been started and or looked into. I called and not only got the run around by XXXX, agent XXXX, the customer service rep, but he was rude and talked down to me. As an adult this isn't something I can't handle, what I found most issue with is this is a company and bank I'm trusting to help me resolve this scary situation and instead of finding a support system or solace in the call I felt like I had to defend myself and found myself arguing with the bank. Which is unfortunate.
The very next day, XXXX XXXX I get an email advising me " We finished researching your dispute ( s ). Based on the information we have, your claim has been denied because. We finished looking into your claim and didn't find an error. You can still try to resolve this directly with the merchant ( s ). '' and that my claim is being denied. I find it peculiar that this happened right after I called in with an issue about the lack of communication with Capital One. I also requested a phone call from the agent I was told was working my claim, XXXX. I did not get a call, instead, I got a very insulting email. No way is this legitimate as I did not give anyone permission to use my card, my pin was not used and not listed on my card and this is truly upsetting and frustrating. I am close to being evicted because I do not have money to pay my rent.
After getting this email I called Customer Service and was told by an agent who did not work in the U.S and after asking me for my social 3-4 times I became uncomfortable and asked him for a US Supervisor and he advised me that the US offices were closed. I hung up the phone and called back and go XXXX who works in the U.S. I then was provided very poor customer service. It's awful because the call was not as bad as the call with XXXX, but I find it awful that I am here again going back and forth with Capital One 360. I was escalated to supervisor XXXX ID XXXX who was very helpful. He advised that he will be listening to the calls and he will be sending escalations regarding the poor customer service I got to the BEST TEAM escalations regarding poor customer service. The second escalation regarding my claim Processing Team and that I should get a call back from XXXX. I requested documentation showing the actions taken during my claim. I advised that legally this is owed to me and is necessary to provide.
I want Capital One 360 Bank to know that I requested the address, email and number to fraud disputes appeal several times only to be told there is no information to be provided and that I needed to wait 3 business days on a reply about my claim. I am livid, almost homeless and this is a clear violation of Federal Regulation E.
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06/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
Thursday, XX/XX/2018 I deposited a check threw the mobile app on my phone. The next day I called to see if my bank would release {$100.00} of the deposit. I was asked several questions about the check, how I obtained it and also many unusual questions to identify myself. I had to enter my PIN number on my phone keypad and an error would come back saying nothing was detected. I would drop the call and have to call back waiting almost an hour till I got to the final destination they were sending me. About 3 times dropping calls and many hours on the phone an associate informed me the account holder on the check was a woman that was deceased in XXXX. I was referring to the account holder as a man because that's what I knew. I was told that the check was stolen and that my account had been marked for fraud and the bank had made a decision to close my account for the fact they no longer wanted a business relationship with me. I told the bank that I had nothing nor any idea that there was anything wrong with this check that I deposited. I ask the associate how next time I could avoid being in the situation. He told me that I can take a check to any Bank and anybody that was in the banking business for any length of time would be able to see that the check that I received was fraudulent. He told me that if I shouldn't call the person that passed me the check rather just go file a police report. After getting off the phone I called the person that gave me the check and told them what I had been told by my bank. I was then given the number to the account holder who wrote the check and I called him. He is an XXXX your old man who lost his wife in XXXX and these checks with just her name on them he was trying to use. The account was joint up until she passed. he told me to call the branch that he normally goes in and speak with XXXX or XXXX and they would confirm that the check is just fine and that his dog XXXX in him have been in that bank many times. The women in there give XXXX his dog treats. I called the bank like he suggested that I do spoke with XXXX and she confirmed. She told me to bring the check into the branch and they would take care of it. I then called a XXXX number for check verification and verified that the account would clear a check for the amount that it was written. I then called and apologized to the people that I had accused of being thieves frauds and Liars. I then called my bank back and spoke with the highest level manager there told him what happened. XXXX this manager repeated over and over again what the note on my account said that the bank had ended its business relationship with me. I asked when the funds in my account that they have closed would be mailed to me. Since Friday I still have not gotten an answer to win my funds will be mailed to me. I contacted the branch on XXXX telling the story. And was told that my information was passed on and being looked at. No one has ever apologized to me for falsely accusing me and no one has a desire to give me a time when my money will be returned. I have been a customer for five years and my account has always been in good standing. No overdraft fees and not in the negative. It's my understanding that since I have been marked as fraud with this account it will follow me. I have most of the conversations recorded once I realized what was going on. The check that was in question was for the amount of {$1.00}, XXXX the balance that was in my account before this deposit was {$2.00}. XXXX. I pulled deposits for the last 15 months and all of the deposits with the same account were available the next day. Even if I deposited a check on Sunday it was available Monday. And all these deposits were for a similar amount.
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04/20/2017 |
Yes |
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Web |
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XXXX XXXX XXXX To Whom It May Concern : This is to inform you of a complaint I have with regard to Capital One Credit Cards - XXXX . I have just opened a credit card with Capital One Mastercard in XXXX XXXX with an intent to create a good credit history. From the time I have opened my account, I have been paying my monthly balance on time or even early ( before the due date ) and in full or even more than the outstanding balance to avoid any late penalties or interests. However, in XXXX , I did not receive any statement from Capital One, but I still sent in a payment to ensure that I 've covered any outstanding amount. In XXXX , I received the statement fro m Capital One an d the statement says, XXXX balance. But since I have used my card in the previous month, I still sent in a payment of {$500.00} to cover any pending transactions. In XXXX , I received the statement from Capital Once indicating that my outstanding balance was {$2100.00} and I sent in a payment of {$2100.00}. To my surprise, on XXXX XXXX , I received an email informing me of an outstanding balance of {$5.00}. I was very sure that I should n't have any balance since I paid more than my outstanding balance. I called Capital One that evening to clarify the {$5.00} balance. I clearly asked the agent if I have anymore pending transactions or interests, and I was assured that the only outstanding amount was {$5.00} and no other pending interests. I told the agent that I want everything settled so I do n't have to worry about any outstanding balance. The agent explained that it was part of the fee for a XXXX XXXX made, and was assured that {$5.00} was the only remaining balance. The next day, XXXX XXXX , I sent in my payment of {$5.00} to settle it and not have to think about it and have peace of mind. On XXXX XXXX my payment of {$5.00} has been posted. On XXXX XXXX , while on vacation, I received an email from Capital One informing me that I have a balance of {$32.00}. I was frustrated and disappointed so I called Capital One to get answers and to clarify the {$32.00} balance. I spoke with XXXX ( a Capital One representative ) and explained to her that I had already paid all outstanding balance on XXXX XXXX , and that I was assured by their agent on XXXX XXXX that I have no further balance. The last time I had used my card was on XXXX XXXX and have no intention of using it again, which is why I 'd like all outstanding balance on this card settled. XXXX said that they will waive the {$32.00} but I must pay it first and then they will refund the {$32.00} after XXXX or XXXX billing cycles. In addition, XXXX said that the said amount was a " residual interest '' but on their email it says, " XXXX XXXX . '' Out of frustration and disappointment, I am no longer interested in keeping my account open, so I decided to close the account but XXXX insisted that I must pay the {$32.00}. I am on a dilemma right now that if I do n't pay the {$32.00} that it will hurt my credit score and history, but I am also frustrated and disappointed with Capital One with the way they handled payments and inability to settle an amount, which will be eventually refunded to the account holder. Today, XXXX XXXX , I checked my balance statement from Capital One a nd it showed that I have XXXX balance. They have credited the {$32.00} into the account. I am writing this complaint for your office to investigate Capital One ' s collection practices and misleading their accountholder with regard to payment information and outstanding balances. I have lost my confidence and trust with Capital One. Thank you.
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02/22/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
Servicemember |
I opened an account with Capital One Bank about, a little under a year ago but about 2 months into opening the new account, the bank decided to close my account unexpectedly. They didn't give me any reason till after several attempts made to recover my money and asking for a reason, they finally gave me one. They stated that a check I recently deposited came back as suspicious because it was a third party payroll check that was endorsed over to me. The check was from someone that owed me money so he signed over his paycheck to me. I called the bank from which the check was from and verified the funds. The check came back good. Then towards the end of my two month long ordeal with capital one bank, in a conversation with one of the customer service agents from Capital One Bank, they told me the check came back to be a stolen check. It didn't make any sense from what they were telling me and what my own verification process and precautions that I personally took and coming from the person who signed over the check to me. By this point I really didn't give it much attention due to the time and effort I put into recovering my money from the bank account.
When Capital One Bank unexpectedly closed my bank account, I had just got payed my monthly XXXX XXXX XXXX deposited. I get paid {$3000.00} every months for being XXXX XXXX XXXX XXXX XXXX. Capital One was trying to hold my money for a unspecified amount of time and they were also giving me the run around. Also at the same time Capital One, also without notice, closed all their local branches over night. I couldn't talk to anyone in person about my issue so I had to drive to XXXX to the nearest branch that was still open, which is about 100 miles away from where I currently live. But when I got there, they couldn't get a hold of the security department so I had to drive back empty handed. I always had problems getting a hold of the department that was handling my account. I caught a break when one of the customer service reps. allowed me to withdraw money using the ATM so I can at least pay some bills. They again told me they will be holding the rest of my money and mail the rest back to me in 15 or so days. After about a month I still didn't receive anything about my money nor the status of my account so I was forced to attempt the same process again to get to my money. I attempted the following month, to go back to XXXX, TX to the nearest branch to withdraw my money. Again the same problem I had the previous month, happened. And again, I caught a break and they allowed me to withdraw most of my money. They again told me that they will mail me what was left of my balance to me. The balance that was left was {$340.00} to cover the amount the the check was deposited for.
Almost nine months later I still receive a monthly checking and savings account statement from Capital One Bank stating that the money is still in my account. To my knowledge that tells me that the check was not a stolen check, which caused many serious problems between me and the person that gave me that check. Also, to the best of my knowledge, aren't they violating many rules and breaking many laws by holding my money against me for that long if time? Isn't there some type of interest they owe me and the others for interest on that amount that they are holding to this day? I've attempted to call the bank but again, I'm getting the run around and again I can not get a hold of the security intake team at Capital One Bank. I've consulted with my lawyer about filing a complaint here and also thinking about suing them but I don't want to lose out on any more time and money. I currently misplaced the bank statements but it shouldn't be too hard to get copies.
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02/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
On XX/XX/XXXX I Contacted Capital One Auto Finance credit reporting department to ask them if they would remove 2 30 day late Payments on my credit report in XXXX and XXXX of XXXX due to COVID-19 shutdowns and quarantine due to exposer to XXXX. They asked me to write to them and fax them a written request and they would consider my request.
XX/XX/XXXX I received a response to my request and it read as follows ; " We understand that the accuracy of your credit report is important, however, as a furnisher of credit information, Capital One Auto Finance is obligated to provide complete and accurate information of payment history. For this reason, no changes will be made to your consumer file you are disputing. '' My direct complaint is that Capital One Auto Finance is being unreasonable with their decision to hold a Natural Disaster and emergency shut down declarations against me. In this pandemic our congress has taken steps to help protect from credit organizations taking advantage of consumer and this simple accommodation for a customer who has not had to utilize the accommodations offered in the Cares Act signed into law is very reasonable. Below is my written request I sent to them.
" I am asking for an accommodation to remove my late XXXX Payment due in part to the XX/XX/XXXX Order by the Governor XXXX ( which I have attached to this letter ) closing schools for in person learning. In addition to that order my industry was hit with an initial Halt in construction After having XXXX positive testing which also caused some difficult uncertainties. On XX/XX/XXXX I did pay {$300.00} of the {$590.00} payment, with intentions of following this payment with the remaining {$290.00} due by XX/XX/XXXX. After a few weeks into this chaos and uncertainty I was not able to make that payment until XX/XX/XXXX when I payed {$890.00}, which paid the past due amount and the current payment.
During this Pandemic and the hardest hit portion of the spread in Colorado we have endured a roller coaster ride of uncertainty and difficult situations across the State. After a few months I had a very good understanding of this the Pandemic and how it was going to affect all my financial obligations, however on XX/XX/XXXX I was self-quarantined for exposer due to XXXX spread. Due to this the XX/XX/XXXX payment was delayed and it wasnt until the following month that I could catch that payment up and pay that current month of XXXX with 2 {$600.00} payments. Since XXXX I have been able to Manage the Burdens of this COVID-19 Pandemic while being able to Honor all my financial obligations, and have never had a late payment with Capital one until the two natural disaster situations in the midst of a Global Pandemic. '' My Credit Report has a total of 2 30 day late payments on it after years of not missing any payments until a government issued shut down and a global Pandemic hit my home. These two 30 day late payments do not reflect a true accounting for my credit file and i believe that it is very unreasonable for Capital One, the issuer of credit information, to keep the negative information on my credit report which would in turn equate to a higher interest rate due to the negative 30 day late payment. With the need to keep safe and most banking going to online, its hard to get a chance to speak with a loan officer to explain that the national emergency and natural disaster was the direct cause of the only two consequential negative information on my Credit Report.
Asking for the simple accommodation of removal of 2 30 day late payment cause my a natural disaster is not an unreasonable request and should be seen as unreasonable not to grant such a request in the midst of a National Pandemic.
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04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
Relatives told me that on my OLD XXXX site, others had stolen pictures of my deceased relatives, changed names, and used my deceased relative pics as pics of their own relatives, with different names. After a year of being told this was happening, I contacted XXXX and asked them and they said yes, this could happen, and I probably was not told of this theft of public pics being possible when I started with XXXX back 10 years prior.
XXXX said the only way to fix this was to reopen account, remove all pics and ID, close the entire thread and family tree and have no evidence of anyone left to steal by others. She helped me get back into the account for that one time to remove all my history!
Then I start getting billed for a monthly account again, every single month, while I'm not even on XXXX or using XXXX. I called them and explained what was happening. In the beginning, they removed the charges. Then the charges reappeared on my credit card. Then the bank, Capital One, removed the charges. Then subsequent months were charged. Then Capital One remove those months, too. Called Capital One and they removed the newer monthly charges and provided credit for interest, too, AND, suggested we close that account because there is obvious fraud happening to the old account number, open a new account. Went without the credit card for a week. Changed all our auto payments to new account number - then BAM!
SUDDENLY, ALL THE MONTHLY CHARGES WERE CREDITED TO MY CAPITAL ONE ACCOUNT AGAIN, WITH NO OPTION AFFORDED TO ME OF FILING A DISPUTE. Again, called Capital One. They said THEY added the charges to my credit card because there was a department issue on their end of which department the charges should have been removed on, " disputes : or " fraud. '' Me and my wife told them to remove them and we don't care what heading they want to file them under. Today, we checked, Capital One 's charges for XXXX XX/XX/XXXX monthly charges are still charged to my account WITH NO PROOF OR EXPLANATION OF USE. We are going on the 2nd year of these false charges. IF I DIDN'T BUY IT OR DON'T USE IT THEY HAVE NO RIGHT CHARGING ME FOR IT.
What I did start using in the meantime was a FREE genealogy site called XXXX XXXX When ever I was asked if I wanted to be forwarded to XXXX from that site I REFUSED. It seems there is a relationship between the two different companies and they are having troubled identifying users of the XXXX account from users of the XXXX account. I don't use XXXX. I am still ticked that they allowed my stuff to be stolen on XXXX, and I would never use XXXX again. And they have no right to charge me, or to tell Capital One that my FREE XXXX account should be charged under the XXXX account. The latest charges are 6 months of charges totaling approx. {$130.00} THAT WERE CHARGED TO MY NEW ACCOUNT NUMBER THAT CAPITAL ONE SAID I HAD TO GET TO PREVENT THE CHARGES FROM EVER RETURNING.
I want these charges removed once and for all. I did not order it, I did not use it, I did not request it, I do not go on their site where they allow thieves to steal other user 's data. I used to use it 10 years ago. The theft of my pictures was discovered in XX/XX/XXXX!!! No more. Not ever since I removed all my data. No one, not even Capital One seems to be able to rectify this. They just want me to pay for things I don't use because the companies were bought and under one financial head? Unacceptable. Capital One RECHARGING ME FOR being the victim of stolen data, UNACCEPTABLE. Capital One RECHARGING ME AGAIN because they have a filing category problem? UNACCEPTABLE!! I WANT TO SEE THE PROOF FROM BOTH XXXX AND CAPITAL ONE THAT I USED XXXX XXXX SERVICES LAST YEAR. TO-DATE, NO ONE HAS SHOWN PROOF.
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01/05/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have talked to someone in CFPB over the phone a few days ago. I have been sending 2 credit bureaus letters about XXXX XXXX and they keep telling me that it is verified when I have clearing been sending XXXX and XXXX that it has been removed off my credit file from XXXX. I have clearly sent then the document of the information but they're coming back verified. So the person I have talked to over the phone told me to call Capital one to requests them to remove from XXXX XXXX and I have done so. I told Adding one that Capital One Has been removed off my credit. I have Called Capital One and I have requested it. I told them that they have been removed off my credit, however, Capital did not want to make my request. They said they have not gotten anything from the 3 credit bureaus that it has been removed from my credit report from their system. I was told that they can not do anything about it because they no longer hold the debt anymore, however they asset to ask me about getting my information to see if it was a fraud and than they can see if they can help me with XXXX XXXX. I have declined to give them any of my information. It no reason because Capital one has been removed and all 3 credit bureaus I am asking for them to contact XXXX XXXX to be removed off my credit report because it is not accurate and is not mine. Aswell as XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by not responding to my letter I have sent them that was delivered at XXXX XXXX on XXXX XXXX, 2019, in XXXX, SC XXXX.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive a confirmation via mail that you did receive my letter on XX/XX/2019.
Since XXXX XXXX is still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. For Capital One I will also bring you to small claims as well because I have requested this to you and you're still trying to collect even though I have told you that you have been removed off my credit for not being 100 % accurate from all 3 credit bureaus which you can contact them so you can remove my name from your system saying I owe you, witch, I do not awe you nothing. Again Since you're the original creditor capital one I suggest you contact XXXX XXXX to be removed off my credit file from XXXX & XXXX. Both Capital One And XXXX XXXX If you post me a see attachment by saying I owe you, witch, clearly Capital One has been removed off my credit file from all 3 Credit Bureaus and XXXX XXXX getting removed from XXXX and still trying to collect witch I do not owe yall anything. I will send submit a Consumer Complaint to the California Attorney General XXXX XXXX and I will file small claims to take you both to court for defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit and effecting me from going to school.
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06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Hello, This isin regards to Capital One Auto Finance. I financed a vehicle from them in XXXX, in XXXX when COVID hit I sent the vehicle back. I lost my job due to layoffs during COVID. When speaking with Capital One Auto Finance. they had a few relief program going on and with my car being brand new and only having it for so long they advised I can send it back no hassle, no penalty, no quested asked. Everything was fine brought the vehicle to the dealership turned it in no damages or anything. I received a check from them owing me money due to the car being so new and it being sent back in. Lienholders will not send you money back if you have a balance they will apply that to your balance. A year later in XXXX got a letter in the mail stating that my vehicle has now been reposed and to call them to make payments. I called them and the rep thought it was weird that I received a letter stating that when she is showing no repos and everything ok on their end.A year later I noticed that they placed this vehicle on my credit stating i owed them XXXX dollars. I had called Capital One Auto Finance spoken with many reps and a supervisor all stating that my car was never Capital One Auto Finance repo 'd nor do I owe them any money at all. They told me the only thing I can do is to dispute it with the credit agencies to which i did report it to all 3 credit agencies. After a few months it was no longer on my credit and the credit agencies never asked or reach out to me for anything. I assumed this fluke was resolved due to it not even being truthful but the fact that it was removed from my view of my credit report but also still damaged my credit score. here we are in XXXX Im being told no repo was ever done and that my account is perfect no blemishes or account balance on my end by Capital One Auto Finance. i go up to the dealership in XXXX to get a new car as I previous just flat out bought a junk car after covid and recently sold it. The dealership and banks are telling me that they can still see the repo as well as me owing Capital One Auto Finance that large sum. I got denied for a new/used vehicle for this reason alone with the dealership stating that its still showing up on the back end as being disputed. I again call Capital One who still state they have no record of a repo or an account balance. There is nothing on their end they can do when nothing of the sort ever happened. Its been a year since I disputed this with the credit reports as well as Capital One. The only thing Capital One can do is provide me with the account paid off letter showing there's no balance. There is no repo affidavit nor a Tow Condition report they can provide. There's no letter they can produce of course stating they never repo 'd my vehicle because it didn't happen. Capital One states they are not able to reach out to the credit reporting agencies to advised to them this is a mistake and they themselves aren't aware how this happened. neither one of the companies ( Credit and Capital One ) are doing anything to resolve this matter. i would honestly think if they were doing this dispute then a simple phone call to Capital One would of resolved this matter by now. I dont know who else to reach out to in this matter due to none of this actually happened and yet its was taken off from my view on my credit just sitting there on the backend of my credit for others to see. Its not right for a company to accidently report something that was not true to the credit agencies and to have my credit drop with denials for a new vehicle. the credit agencies are Cleary not following through with this dispute/fraud and its costing me alot of time, money, credit issues and lack of getting a new vehicle.
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08/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
SUMMARY : Actions by Capital One caused me to lose out on a XXXX XXXX offer of a 0 % interest, {$0.00} fee roll over in the amount of {$2600.00}. The XXXX offer would have been good until the end of XXXX. Capital One listed the check of {$2600.00} from XXXX as received on XX/XX/XXXX but as of XX/XX/XXXX had not cashed the check. Because Capital One delayed in cashing the check, XXXX issued a stop payment and by that time the roll over offered had expired. Further, Capital One employees offered conflicting explanations with no answers as to why Capital One did not cash the check from XXXX XXXX in a timely fashion. I want Capital One to make good some sort of 0 % interest, {$0.00} fee offer similar to the one I lost out on from XXXX XXXX.
DETAILS : On XX/XX/XXXX, I applied for a 0 %, {$0.00} fee balance transfer offer from XXXX XXXX. I applied to roll over a balance of {$2600.00} from my Capital One credit card.
XX/XX/XXXX online at my Capital One credit card account and there was a note on the account that a check/payment of {$2600.00} had been in process '' since XX/XX/XXXX ( 20 days ). I have a screen shot of my account on this date that includes the note with dates.
XX/XX/XXXX at XXXX p.m. I called Capital One and spoke with XXXX. After about 45 minutes on hold, XXXX said : 1 ) Capital One saw the pending payment, but ; 2 ) did not know why payment had not been released to my account ; 3 ) the payment may have been made to another account, and ; 4 ) She would call me back. At XXXX XXXX, XXXX called back and said my account was being credited with the {$2600.00} while Capital One researched the matter.
XX/XX/XXXX, I received a letter from Capital One stating that XXXX XXXX issued a stop payment on the roll over check. I called XXXX, and they told me that the roll over was stopped because the check had not been cashed by Capital One within the XXXX time frame.
XX/XX/XXXX, I looked at my Capital One online account. I saw the credit to my account on XX/XX/XXXX for {$2600.00} along with an interest adjustment. Subsequently, on XX/XX/XXXX, Capital One took the credit back and placed a charge on my account for {$2600.00}, THEN A SECOND CHARGE for the same amount on XX/XX/XXXX. I was also charged interest on these dates.
The initial XX/XX/XXXX credit has now been charged twice, once on XX/XX/XXXX and again on XX/XX/XXXX.
XX/XX/XXXX, XXXX XXXX, I called Capital One and spoke with a manager named XXXX. First, he lectured me and said that Capital One would never have held on to a check for 20 days ( XX/XX/XXXX to XXXX ). Paraphrasing, he said, we are in the business of cashing checks, not holding onto them. XXXX also told me that Capital One should not have credited my account and should never have researched the problem on XX/XX/XXXX, and that XXXX should not have told me well, I am not clear on what XXXX should not have told me. Then, he started going over my account line by line and the call dropped, or he hung up. I wait a few minutes, but he did not call me back.
XX/XX/XXXX, I call AGAIN at XXXX XXXX and end up with a manager named XXXX. We were on the phone until XXXX XXXX. The summary is that XXXX could not explain why I had one credit for {$2600.00} and two charges for {$2600.00}, along with interest charges. He told me there were no other supervisors for me to speak to. Further, XXXX informed me that he himself did not report to a supervisor. He explained that I have to take his word for it that the account was accurate, or, I could call back and speak with someone else. Of course, he had no explanation for why Capital One sat on a check for 20 days and caused me to lose out on a 0 % balance transfer that would have been good for about a year and a half.
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12/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Capital One has illegally held me responsible for {$180.00} in clearly fraudulent charges on my Capital One credit card. On XX/XX/2017, at XXXX XXXX, I was the victim of an armed robbery, on a XXXX train while commuting to work. The robber held a gun to my chest, threatened my life, and stole my bag with my phone, credit cards, passport, and other possessions. I immediately reported the crime to the police. Among the stolen items was my Capital One credit card. I canceled the credit card later that same day, but before it was canceled, the robber made two fraudulent purchases by using the card at a XXXX pharmacy, one for {$110.00} and one for {$70.00}.
As I was required to, I told Capital One that the charges were fraudulent, and I explained that I had been robbed at gunpoint and that my card had been stolen. I told Capital One these facts at least four times - twice via the Capital One website, and twice via a phone conversation, all shortly after the robbery occurred. Capital One accepted my explanation, canceled the card, and sent me a new card via mail. I also reported the fraudulent charges to the police ( XXXX police department ). The police got surveillance video from the XXXX in question, proving that it was the robber who had charged the card, not me.
On XX/XX/XXXX, Capital One then mailed me a letter. The letter stated that my card was " used at a functioning chip-enabled reader for the purchases ''. This was, of course, not surprising, since the physical card had been stolen from me ( as I had reported to them earlier, multiple times ). The letter then said, " Since your card was n't reported as lost or stolen, we were n't able to conclude that this was fraudulent activity. '' Therefore, Capital One said, I would be held responsible for the charges. This was completely inaccurate, since I had in fact reported my card as stolen to Capital One, multiple times, shortly after the robbery happened.
I then tried to contact Capital One, to correct the obvious error. The letter did not give me any way to dispute Capital One 's statement by submitting documents or the other evidence I had. It gave me no way to contact Capital One at all, except for a phone number with a designated extension. I tried calling this phone number, multiple times, during Capital One 's stated business hours. Every time I called, no one picked up the phone. Since Capital One apparently did not want to talk to me, I left a voicemail at that number explaining ( again ) what had happened - I had been a robbery victim, the card had been physically stolen from me, and the robber had made fraudulent purchases.
On XX/XX/XXXX, I received a call from Capital One, stating only that my claim " had been resolved ''. Satisfied, I thought my explanation had ( again ) been accepted. However, shortly afterwards, I received another letter from Capital One. It stated that Capital One had " completed the fraud investigation '', and that from " research into [ my ] case '', they had found " no indications of fraud ''. They then stated that the {$180.00} in fraudulent charges was my responsibility, and would be billed to me on my next credit card statement. This letter completely ignored my repeated statements that I was the victim of an armed robbery, and again, gave me no opportunity to submit the police report I had or any other evidence. The statement that they had done " research '' into my " case '' was, frankly, laughable, as this " research '' apparently did not involve allowing me to speak to them, or listening to my voicemails. As of this writing, this is the last I have heard from Capital One on this matter, and they continue to illegally hold me responsible for the fraudulent charges.
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08/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Dear Sir/ Madam, On XX/XX/2020 I made a payment in full to Capital One Credit Services , it was applied to my M/C credit card account ending in XXXX Amount paid was {$3500.00} I then called into credit services and spoke with a customer service agent, requesting to have my credit card account closed out.
The representative at the time was very cordial in assisting me with my request. I also verified at the time, that the total amount that was paid on my credit card account was the current and most recent statement balance, she stated yes Mr. XXXX it was, that I was now at a XXXX balance. I responded with great! Thank you and have a great night.
I went online later to double check that everything was properly closed out. It was however, there was still a balance owing on the m/c credit card account in question, in the amount of {$33.00} dollars???
I called and spoke with a Capital One representative regarding this issue of concern, after I was getting know where with this particular rep, I asked if it would be possible to to speak with a c/s supervisor for further assistance with my credit card issue.
After I was transferred to a c/s supervisor, she listened to my concerns, stated that there was still a charge that had not been accounted for, I repeated myself, not accounted for, how so???
It was explained to me that because of a charge in the amount of {$33.00} that was charged to my m/c c.c. account back on XX/XX/XXXX of XXXX, that I still owed this amount. I stated that I didn't see how that would be possible. That when I paid my m/c c.c. balance in full, I chose the current statement balance, which was after the statement had printed back on XX/XX/2020 therefore, the {$33.00} Walmart purchase/ charge would of been accounted for in the current most recent statement balance amount, which was in the amount of {$3500.00} This supervisor would not accept and or even entertain my explanation of reason, that this was not an issue on my end, but on Capital One 's end. She continued to repeat herself by stating, Mr. XXXX, you owe the {$33.00} dollar charge from Walmart and to just pay it and everything would be fine. Talk about patronizing, I have no problem paying anything that I am responsible for however, I am unwilling to pay for something that had already been accounted for and paid. Anyone with a half a brain, would be able to figure out that something here was not right!
Last but certainly not least. It would not take a billing system to recognize and or post a charge that was made by one, a credit card and two, was over three weeks ago giving their billing system ample time to of posted and calculated in the most recent current statement balance.
Again, I advised the Capital One supervisor, that I will not accept a charge that had already been paid, Capital gives you a couple of options when it comes to making payment 's online, one, you have the option of making the minimum required payment, two, you have the option of paying the previous statement balance, or three, you have the option of paying the current, most recent statement balance which was the option I had chosen ( the third option ) Plus, this was verified with a Capital One c/s rep when I had called in originally requesting that my credit card account be closed out.
Honestly, I have no words to describe how dissatisfied I am with Capital One 's conduct. Clearly there was an error on their part and from an ethical stand point, would expect Capital to own up to the error and resolve my issue in a timely manner.
Thank you for your time and efforts with n getting this issue addressed and or resolved.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
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11/25/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem accessing account
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Web |
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The Bank blocked my access to my online account and to all my accounts ( checking, savings, credit cards ) allegedly due to a " technical problem '' since early XXXX, 2019. Since at least XX/XX/XXXX I have been calling them every other day and spoke with several dozens representatives. For several weeks each time I called they requested me to verify my identity, send them a copy of my passport and other documents about me. They claimed that before they are pleased with verification of my identity they would not proceed with fixing the technical issue. They kept me on the phone for multiple hours at a time many times, they requested to them call again and again. In early XXXX ( probably XX/XX/2019 ) they finally confirmed that they verified my identity and that now they will work on fixing their " technical issue '' to unlock my access to my account. Since then they did not do anything. They continued requesting that I call again tomorrow or in a few days. Each time I called, they claimed that their technical team has been working on this problem, but they were unable to tell me the name of the person working on my case, they did not have any updates about my case, could not specify what exactly they have done while working on my case. It has been over a month since I can not access my account, can not use my funds to pay bills, can not send checks or make payments. Today again they told me that I need to wait another 15 days. My case number is XXXX XXXX XXXX XXXX XXXX I spoke with many people there including XXXX ID XXXX ( XX/XX/XXXX ), XXXX ID XXXX ( XX/XX/XXXX ), XXXX ID XXXX ( XX/XX/XXXX ), and many others. Each time they tell me to be patient and wait for another 15 days. Also, they advised that if I need to access my money, I should 1. Fly from Colorado to east coast and visit their bank office ( and pay myself for airline ticket ), or 2. Call companies and people that I need to pay to and pay them directly somehow, or 3. Be patient, wait another 15 days. They lie, harass, accuse me, don't allow me access my account. Some representatives promised that someone will get back in touch with me and inform me about their progress, and they never did that. Also, they don't register my complaints, and when I request to speak with someone regarding my complaints, they refuse to transfer me to anybody, they only tell me that they can only allow me to speak with customer service department, which I did already several dozens times. Each time I call, they tell me that I should speak slower, be more patient, wait another several week, use other credit cards or debit cards to pay my bills, call other places. The Capital One does not have branches in Colorado where I live now, yet they advise that I visit their branch if I need to make payments or make money transfers. When I asked them would they pay for my flight from Colorado to east coast so that I can visit their branch, they answered " no ''. I consider it a harassment and discrimination, when they deny my access to my money, do not admit any responsibility for their poor service, advise me to spend more hours an days calling them and other places to make payments, advise me to visit their branch each time I need to make a payment, treat me disrespectfully and lie to me each time I call. Not a single time their representative admitted anything that this Bank 's employees did anything wrong while unable to resolve this issue for over a month. Yet, each time I call them they tell me there is something wrong with how often I call or do not call them, with my phone number or with my current location of residence, with my voice or with my impatience, with my laziness when I refuse to wait for another several week.
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03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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In Feb/Mar XXXX prior to the Covid pandemic I had made a charge to my Kohls card for a purchase. I am single and not married and live alone and had to leave my residence at XXXX XXXX XXXX XXXX MA to care for an elderly parent with demential who was widowed and who was quarantined. A Kohls bill had been due to be paid and I had mistakenly believed the account was on auto-pay which it had been in the past and as I seldomly used the store credit card I did not realize the statement had been mailed to my home address. When I was able to return to my residence which was in a very high risk Covid area in my State where people were asked not to visit and to remain sheltered in place I noticed a bill in my mailbox and realized it was not paid. I immediately contacted Kohls and discussed the situation with them. They were able to remove some late charges which I appreciated but were not willing to adjust the impact to my credit report. Knowing that I would not be returning to the home again for quite some time I specifically asked to pay the account in full to pay the balance owed. At this time I felt the matter was resolved to my satisfaction. A couple of months later I returned to the home again and noticed another Kohls invoice in the mail. At this time after opening the invoice I realized that they had not in fact processed the full payment ( their was some residual owed ) and I believe this was intentional as the balance was minimal at the time and I provided my payment information and specifically asked them to take care of what I owed which they apparently did not. I asked for the payment provided over the phone to pay the balance off in full and I fully expect the company to properly process these payments correctly. I called them back again and asked for this to be settled and they did finally clear the balance and I closed the account. Unfortunately this error on Kohls behalf has seriously impacted my credit score. I have tried unsuccessfully on multiple occasions to resolve this with Kohls credit department which I believe is an absolute abuse due to the circumstances. I have also filed a discrepancy report with XXXX in XXXX of XXXX and no changes were made. The dispute # is XXXX I am more than willing to accept my responsibility for a single late payment which I did not make on time when it was due in XXXX. It was a simple oversight and as my FICO report reflects I have faithfully made on time payments to all my creditors for almost 20 years. However the back to back late payment blemishes ( 60 days ) on my record from Kohls due to their inability to process my payment correctly has significantly damaged my very long and virtually unblemished credit history. A fair resolution to this matter would be for Kohls to correct the reporting and take responsibility for failing to process my payment properly and remove the 60 day delinquency in XX/XX/XXXX. Simply crediting me for late fees is not an acceptable resolution. Furthermore I have requested an ( AW ) code be added due to the pandemic. It is absurd for this incident to damage my FICO score significantly during these times when we are talking about a mere {$200.00} which I had the full ability to pay had the call center processed it correctly. I believe far more leniency and forgiveness has been provided to Kohls consumers who had balances they could not pay and for consumers who have missed multiple payments throughout this pandemic. I find it reprehensible for them to simply send a boiler plate letter to dismiss my legitimate claim for arbitration in this matter. I believe this to be discriminatory to me as a former customer in good standing and I would expect that this situation be resolved accordingly.
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06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Original Creditor : Capital One Auto Finance Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX Number : ( XXXX ) XXXX Dear : XXXX, XXXX and XXXX & Capital One Auto Finance XXXX am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor Capital One Auto Finance, account number : XXXX. There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account Original Loan Amount : {$28000.00} Open Date : XX/XX/XXXX Application I.D # XXXX VEHICLE TYPE : XXXX XXXX XXXX C XXXX VIN XXXX : XXXX, This account also displays a 24 month payment history from the date opened on XX/XX/XXXX to today XX/XX/XXXX. This account is not only paid off, capital one auto finance is reporting my transactions and experiences, to my credit report, this is a clear violation of the Fair Credit Reporting Act. According to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness.
FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or experiences are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between I, XXXX XXXX XXXX and you, Capital One Auto Finance is excluded from the consumer report, please delete this transaction from my consumer report please. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from Capital One Auto Finance and you as the credit bureau XXXX is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this Auto Loan/ Repossession account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX
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07/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave Capital one to have this information pertaining to my consumer transactions or place anything on my credit report. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. Also This card was closed 3 months ago and ( CAPITAL ONE ) have me on a recorded line admitting that i owe this alleged debt. Under 15 usc 1681 ( disclosure to consumers ) key word disclosure - the action of making new or secret information known. In other words the company committed a federal offense
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06/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Since XXXX of 2021, I have been attempting to get valid information from Capital One stating that I owe the debt that they have placed on my account. This company has not provided valid proof of my person owing this alleged debt.
This company never provided me with the proof I rightfully requested, instead, they constantly sent invalid information that proves nothing.
After the first failed attempt, I sent this company a Failure in Dishonor, stating that I still received no valid proof, a Notice to Decease and Desist any further collection due to no proof, an Affidavit of Truth, itemizing all of the fines that were accumulated due to the violation of USC codes stated on each page that was sent.
After my notice to cease and desist, Capital One has placed my account with a debt collector, who illegally left a process server on my doorstep with a statement that I was being sued for this alleged debt that was never proven my person owes. Capital One was no longer to contact me, as well as send forth any other collectors for this alleged debt.
This alleged debt is now showing on my credit report as a charge off, which is affecting my livelihood, because my credit is now damaged. I then requested Capital One to send their 1099c tax form, as per the Generally Accepted Accounting Principles ( GAAP ), as I am well in my rights to do so.
I have acted in my rights, in Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), in my attempts to get VALIDATION of this alleged debt and not verification. Capital One is very aware of the information in which I am requesting.
This situation has been a total detriment to me, my family and my future. The stress that I have accumulated due to this has shattered a harmonious mental, emotional and physical state as my credit has been compromised due to false information recorded from Capital One. My request as a consumer and the Original Creditor, has gone ignored and what was provided proves nothing.
I am unable to sleep and eat because of this situation. I have children who rely on my good standing health and this has even compromised how I am able to support them. The attempted lawsuit took everything over the edge as Capital One has no right to place any demands on me or targets on my credit without providing any valid proof. They did not provide what was asked forthey provided what they wanted to.
Further, on their first return correspondence, it was stated that there was an agreement by phone. The correspondence I just received back states this was an online agreement. The process server note states that this was a written agreement. Which one was it? This is all confusing and none of it matches, which speaks to the fraudulent activities of this company. They refuse to provide what is requested, yet are unsure of how this alleged contract even was started.
I am stressed out, in need of stabilization for my family and this yields a negative note on my record. My children are also stressed due to my stress. It is difficult for me to even concentrate because of the concerns of my livelihood due to the negligence of this company.
Attached, please find all of the documents I have mentioned in this complaint. Youll see a past invoice that was sent to Capital One for all fines accumulated from violation of USC codes that were sent to me during our discussions, in which I am seeking compensation for.
I Am looking forward to this matter being resolved in a positive manner to help other people in the same situation be redeemed from these awful corporations that will do anything to keep us in debt.
I humbly request that you look into this matter with detail.
Thank you for your time and consideration.
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11/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
First, I opened a Secured credit card with Capital One XX/XX/2021. I deposited {$1000.00} to have as my balance with the Capital One. I made all my payments on time and even paying the balance off, never missed payment. Kept my utilization low, as I was purchasing my first home, and as a result of this I was denied. XX/XX/2021, I went through a third party to " reserve '', not purchase a hotel room. This company has a policy of matching a lower price and refunding 200 %, which they have failed to do, but there is an attorney dealing with that. I was charged {$270.00} but paid {$190.00} with the hotel. Capital One is failing to refund my money. They are allowing this third party that I gave no authorization to use my card full access to my funds. This goes against the FTC policy. Capital One has closed my account due to me complaining and informing them that I would be filing a complaint with CFPB. I am a single mom, with a XXXX XXXX, during a global pandemic.
Second, around XX/XX/2021, there was a purchase in the amount of {$580.00}. I did not authorize this charge and immediately called Capital One. There was a dispute filed and I was advised that I would be issued a provisional credit in the amount of {$580.00} while there was an investigation. On XX/XX/XXXX there was a provisional credit issued, but not available to me. The funds were never available. My balance then went to {$900.00} ( at/ around ). After I cancelled a payment in the amount of {$780.00} on XX/XX/2021, that included the {$580.00} and it was cancelled due to me being told the funds would still be on " hold '' during this " investigation. '' I advised Capital One that I would be filing a complaint with Consumer Finance and FTC, my account was then closed a couple of days later for " fraud ''. Although I've never had any problems for six months. Capital One has failed to follow the FTC 's guidelines for disputes. I have been rebilled and I know this because I called for two weeks trying to figure out what was going on with my account and I was on the phone for an hour and 57 minutes with a Capital One representative who went over the ledger in detail starting back from XXXX when there was a {$230.00} payment bringing the balance to XXXX. Per the FTC, The Federal Trade Commission ( FTC ) enforces the FCBA for most creditors except banks. If you think a creditor has violated the FCBA, file a complaint with the FTC. You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge if it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. A creditor can not rebill an amount during an investigation. Also, I have advised Capital One that this amount was not even paid, but the investigation is in continuance for 90 days and my account is closed. They are reporting inaccurately on my credit report and has caused me to not be able to purchase my first home. This has been a horrible inconvenience along with me being a small business and single parent. I needed my funds during a pandemic.
Capital One has reported inaccurately on my credit report such as a high credit balance. Capital One has negatively affected ability as a single minority to purchase my first home. They have failed to comply with the FTC dispute process. I will also be contacting and filing a complaint with the West Virginia Attorney General XXXX XXXX who has sued the credit card company Capital One and four other similar companies for unconscionable conduct in connection with their credit card lending and collection practices.
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11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Timeline of Events XX/XX/2023 received e-mail from XXXX XXXX that they were in possession of my resume, that I was under consideration and was asked to answer some general questions. The email outlined the compensation package and that I would receive a response by XX/XX/2023.
XX/XX/2023 received email from XXXX XXXX offering me the position of XXXX XXXXXXXX with XXXX XXXX along with XXXX attachments including, Companys history, job description and payroll form. It was a remote position with an estimated start date of XX/XX/2023 XX/XX/2023 I did my Due Diligence including reviewing web site, web search for fraud/complaints, confirming provided XXXX with the NY XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. None showed any discrepancies.
XX/XX/2023 I sent XXXX XXXX an email accepting the position.
XX/XX/2023 I received a telephone call from XXXX XXXX welcoming me to the company, reviewing the next steps, the equipment needed to do the job, the pay during the XXXX week training period and that she would be my supervisor.
XX/XX/2023 received another telephone call from XXXX XXXX that if I used my credit cards for the purchase I could additional compensation in the form of commissions. I declined, stating that I would not fund the purchases. They would need to be pre-funded.
XX/XX/2023 I received a XXXXXXXX XXXX Routing # and Account # to pay off one of my credit cards so I could make purchases of XXXX Laptops, XXXX and watches off a provided list. I used the account to pay off XXXX card in the amount of approximately {$5900.00}. The confirmation # is XXXX.
XX/XX/2023 -the CapitalOne website showed that they received payment and showed a {$0.00} balance.
XX/XX/2023 I called CapitalOne to confirm that the card was in fact paid off and was authorized to use the full amount of credit. I wet and made purchases in the amount of {$570.00}.
XX/XX/2023 I notified XXXX XXXX, via email, that I made some purchases. XXXX XXXX provided me with shipping labels to XXXX the packages. I provided XXXX XXXX with a copy of the XXXX confirmation.
XX/XX/2023 I received an email from XXXX XXXX advising me to pay off the card again using the XXXX XXXX account provided.
XX/XX/2023 I made another purchase using the same procedures as above.
XX/XX/2023 I received notice from CapitalOne that the XXXX payment was returned. I notified XXXX XXXX via phone & email. XXXX XXXX provided a XXXX XXXX XXXX account for me to pay off both purchases plus fees. She assured me that this time the payments would go through.
XX/XX/2023 XXXX XXXX emailed me again assuring me that this account was well funded and the payment would go through.
XX/XX/2023 XXXX XXXX emailed me asking me for the total card charges and that she would make sure that the account was sufficiently funded to cover the charges. I complied.
XX/XX/2023 the payments were returned for the second time. I notified XXXX XXXX by email. She did not answer her phone.
XX/XX/2023 I tried calling, emailing and texting XXXX XXXX over several days with no response.
XX/XX/2023 I texted XXXX XXXX that if she did not respond to any of my correspondences that I would report this to the authorities, including the FBI.
XX/XX/2023 I received an immediate response from XXXX XXXX that the company was in Bankruptcy, that they terminated more than XXXX people from their NY XXXX and that I can do as I think is right.
XX/XX/2023 - I notified CapitalOne and XXXXXXXX XXXX of the potential scam. I filed an IC3 Complaint Form. I filed a complaint with the NY an FL Attorney General offices.
I have maintained copies of all correspondence, both email and text, purchase list, purchase receipts and XXXX shipping confirmation numbers.
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08/20/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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Recently, I became the victim of a scam while attempting to sell a piece of furniture on XXXX. While I do not dispute this fact, I believe Capital One shares some responsibility in this loss given my experience described below.
On XX/XX/XXXX, I received a check for the sale of the furniture plus associated shipping expenses. I promptly deposited this check into my Capital One 360 checking account and within a few hours I received a notification from Capital One ( attached ) stating that the check had been successfully deposited, and funds would be fully available the following Monday ( XX/XX/XXXX ). Given this confirmation, I assumed this check was valid and I went ahead and sent a XXXX payment to the shipping service as instructed to by the buyer. The funds posted into my account as expected on XX/XX/XXXX, however, this deposit was reversed the following business day ( XXXXXX/XX/XXXX ), without any notification from Capital One, until I received a letter in the mail more than a week later explaining that this check had been fraudulent.
Upon realizing the funds had been withdrawn I immediately stopped by my local capital one branch at XXXX XXXX XXXX in XXXX, XXXX After describing my experience to the teller I was told they would be unable to assist me in-person and that I should call Capital Ones fraud department for assistance. After speaking with a representative from the fraud department over the phone, I was finally able to report this activity. A few days later, on XX/XX/XXXX, I received an electronic notification ( attached ) from Capital One, stating that they finished investigating the transaction and my account would be credited back in the amount of the XXXX payment.
Then on Thursday, XX/XX/XXXX I received a call from the investigative team at Capital One. After explaining my story, this individual told me that the previous letter was sent in error and that Capital One was holding me responsible for this loss and that they would be withdrawing the amount previously credited. When I explained that this XXXX payment was made based on Capital Ones confirmation that this check had been successfully deposited I was told that this was an automated e-mail that everyone gets regardless of if the check is valid or not. If that is the case, then why does the e-mail say in bold go ahead and destroy your check. Every time I questioned this individual was told it was a privilege to bank with Capital One and that they can could choose to end my relationship with Capital One.
I have had a ten-year relationship with Capital One and have always been extremely satisfied until this recent experience. I trusted Capital One with my hard earned money and when they confirmed that this check had been successfully deposited I assumed this check was valid. I understand that I got scammed but this wouldnt have occurred if Capital One had not confirmed this deposit was successful, because of this I hold them responsible for my {$1700.00} loss.
Additionally, their inconsistent communication on this matter is deeply troubling. First they confirm they have found in my favor, credit my account and then turn around and say that was all in error? Our entire financial system today is based on trust, the trust that our money will be available when needed. I trusted them when I sent a XXXX payment for {$1700.00} based on a check that had been successfully deposited and I lost {$1700.00}. I trusted them again when they said they found in my favor and credited my account back for the {$1700.00}, but that too provided to be incorrect. Clearly, this financial institution is not worthy or my trust, and I suggest anyone reading this complaint choose not to trust them either.
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07/09/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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What happened : In XX/XX/XXXX my Boscov 's account had fraudulent activity that I reported to Cap One and was assured would be taken off my account. It has not been resolved after almost a year of phone calls and sending them documentation. They are now negatively impacting my credit bureau and refuse to remove the fraud charges from the account.
My last known activity on the card was in XX/XX/XXXX or XX/XX/XXXX as I was preparing to move XXXX for a new job on a 3 year contract. At the time of the transaction at the store, as reminder by my mother who was with me, I told the cashier I was preparing to leave the country.
I paid the balance in full and thought that I had closed the account, but later was told it was never closed out. After being in the XXXX for a few months, a colleague brought my mail from XXXX to me, where I found several notices from Cap One claiming I had a past due balance.
I contacted them immediately to advise them that I had paid the balance off and thought I had closed it. They informed me of the fraudulent activity and I requested it be disputed and investigated because I was n't even in the country. I also requested that all correspondence regarding the issue be by email, since I was in the XXXX. They agreed and said they would take care of it and let me know if they needed anything.
I heard nothing, but again a few months later when my mail came over from the XXXX. I found that they had closed out the dispute and placed the items back on the account and again were reporting me as past due. I had heard nothing from them via email as promised.
They included copies of a receipt claiming it was my signature. Which of course it is not, since I was n't there and it is clear that whoever signed it started writing another name before forging mine. It is not mine. I reported this again to Cap One and again offered to send anything they wanted to show I live and work in the XXXX. I asked them to pull video from teh store because I think it was the cashier that I had told I was leaving the country, who XXXX have done this.
They requested that I file a police report. I explained my situation but they insisted. I attempted to file a report on line, but was told I could not do that. I tried speaking to the local and State police who told me I had to be in person to process a police report.
I contacted Cap One again and explained, they said they would take my contract as proof that I was out of the country, if I would mail or fax it to them this would all be resolved. Which of course is not easy XXXX but I had it done XXXX first by mail, then when they claimed not to have received itXXXX. I have the receipt showing the confirmation and the correct fax number.
I did n't hear anything and contacted them and they claimed they have n't received my fax and closed the case. Again the balance is months overdue and negatively impacting my FICO all this time.
I am just completely fed up with trying to work with them. Please help me get this resolved. I am not confident that if I send the doc again that they will actually follow through with getting this matter resolved. What happened to Fraud Protection? They get lots of customers claiming they have this, but when someone perpetrates a fraud against you, they will not work with you. To help them locate me, my DOB is XX/XX/XXXX. There is an existing case and the amount of the activity was around {$300.00} but I beleive they have it up to closer to {$700.00} with fees. I am happy to provide more details if needed. this is either the account numberr or case number XXXX, I also found a note from them indicating the last four of the account is XXXX, so maybe they have shut down the old number.
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10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX, we received a quote from XXXX XXXX over the phone. We proceeded to place an order for a palette of XXXX XXXX for {$350.00}, order # XXXX using our Capital One credit card. After realizing the shipping charge was higher than what was quoted over the phone, we called back and were advised by the associate to cancel the order online for a full refund, and place the order over the phone for a better shipping rate.
We cancelled the order online, and immediately received an order cancellation email. It stated our order was 'Refunded ' with our original payment method underneath. We placed a second order for the same palette of grass over the phone. When we asked when we would receive the refund from the original order, we were instructed it could take up to XXXX business days to go back onto our credit card. Store credit was never mentioned, over the phone, on the website in their policies, or in the email, and if it was, we would not have cancelled this order, or would have used the store credit to make the second purchase.
After XXXX business days, we still did not receive a refund, and called XXXX XXXX to follow up. The front desk clerk mentioned it was refunded on their end, so if we haven't gotten it yet, to call our credit card company.
We filed a dispute with our credit card company, Capital One. Capital One has been extremely difficult to deal with, with us speaking to them for over XXXX XXXX on the phone. The first few representatives completely misunderstood the case, and filed XXXX incorrect purchase adjustments onto our account.
On XX/XX/XXXX, we finally spoke to a XXXX that admitted Capital One made a mistake, that it is very clear we were owed a refund, and refunded us the money. The very next day, the {$350.00} credit was overturned again. We called back, and Capital One sided with the business, claiming XXXX XXXX provided proof that they had given us a store credit. We told Capital One that is not what was agreed upon during the transaction, and submitted the email that states the order was Refunded to Capital One as proof. Capital One continued to side with the merchant, despite the merchant lying about the promised refund in full.
We called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to try to understand what is going on, and the associate that answered the phone agreed that we are correct, and that it is supposed to be a refund. He didn't know why the owner of the company was stating otherwise in the legal dispute with Capital One, and that he can try to do whatever he can to get our refund. He made it clear that it is not some kind of miscommunication, and that the owner is purposely not refunding us the money owed. We asked to have the store owner or anyone on management team to call us, however after days of waiting we received no call back.
XXXX XXXX owner XXXX XXXX has completely avoided any communication with us through this issue. We were bait-and-switched from receiving a full refund as promised. No product was delivered or service was performed. We have no account with XXXX XXXX, and their website defaults to a Oops! That page cant be found. dead link when clicking View status of your order. If we were made aware of a Store Credit, we would have used it to place the second order with the retailer, and are currently still trying to everything we can to recover our money in full from the purchase.
Capital One is not accepting the Refund confirmation emails as proof, and is siding with XXXX XXXX despite XXXX XXXX shady practices. We believe XXXX XXXX is breaching Floridas deceptive and unfair trade practices act, and Capital One is denying the protection we assumed we had as our credit card provider.
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01/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
My property was stolen a short time after midnight on XXXX. My cell phone as well as my debit card were some of the items stolen. I called capital one bank to report my debit card stolen from my brothers cell phone on the morning on XXXX. Upon talking to the capital one rep he stated there had been XXXX atm withdraws done with my stolen bank card. I was in shock on how that was possible. I requested to lock down my account. I received an email with my claim number on XXXX. From my banking statement I saw there were XXXX fraudulent atm withdraws done back to bank for {$1000.00} each equaling a total of {$3000.00}. I filed a police report as well on XXXX There was also funds stolen from some of my other financial institutions through my phone apps. Thankfully they have been more understanding & fair as well as conducted proper investigations & have returned my stolen funds.
Capital one bank has been less than forthcoming and fair with my claim. Initially capital one bank seemed concerned and helpful. I followed up with a phone call on XXXX was transferred to a capital one bank rep by the name of XXXX after speaking to her for some time she made false accusations saying my claim would be denied due to me calling from my sell phone device on XXXX at XXXX a.m which was completely a false accusation. I provided capital bank with phone records as well as some some picture documents indicating my suspicion that the thieves may be professional hackers. I asked XXXX to please recheck there phone recordings to which she continued to make false accusations saying it was my phone number and voice that was recorded. I am completely appalled that a capital bank rep would lie in that manner. I further pleaded with XXXX to check there phone records, recording, as well as the atm cameras where the fraudulent transactions took place.
I received an email letter from capital one bank on XXXX stating that my claim had been denied. I called capitol one bank that same date to discuss the details. I got transferred to a rep manager by the name of XXXX. I asked questions as to why my claim was denied. She stated that information was private the department who denied it would have the details. She was a bit rude and unprofessional, I still have funds in my capital one bank aside from what was stolen. I had further questions and concerns as there are only capital one cafes and no physical banks. I requested to have my funds transferred to my linked bank account or I would pick up a check for the remaining funds from a capital one bank cafe to be on the safe side. To which her replay was the funds are locked I can not access them till further notice. She replied with not till the investigation is complete. I replied okay great theres still an investigation to my fraud claim. Her response was no its done. It all makes no sense, she could not answer any questions I had. Could not transfer me to someone that could. I very much feel they are not concerned or helpful to there customers as well as take advantage of people who may not fight for whats right.
That was my last contact with capital one bank. I contacted my attorney for further assistance with this matter. My attorney first emailed a letter to capital one bank on XXXX. To which according to my attorney they did not reply to them. After finding out some further information such as capital one bank had a max atm withdraw of {$1000.00}. I dont understand how the thiefs were able to withdraw {$3000.00} in one day. Was there a failure on capital ones banking? My attorney further advised me of my legal rights & sent out a XXXX letter through email as well as physical mail on XXXX. I still have not heard from capital one bank
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10/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
We issued a purchase order to XXXX XXXX on XX/XX/XXXX totaling {$26000.00} for lighting fixtures on an XXXX grocery store. Our agreement with XXXX was that our credit card would not be charged until the items were shipped and we would be notified of the any charge to our credit card and the amount.
We released some items in XXXX in the amount of {$360.00} which went fine. About half of the remaining items were scheduled to be released for shipment in XX/XX/XXXX and the other half in XX/XX/XXXX. For some unknown reason on XX/XX/XXXX XXXX charged our card {$3800.00} and then charged {$3600.00} six times - five times on XX/XX/XXXX and once on XX/XX/XXXX totaling {$25000.00}. We were not notified by XXXX of the charges and no items were being shipped. We contacted XXXX on XX/XX/XXXX and later received an email acknowledging their mistake and assurance they would issue credits to our charge card.
Capital One did not notify us of the repeated charges of the same amount {$3600.00} ( five on XX/XX/XXXX and one on XX/XX/XXXX ) until the last two charges went through. I called the same day I received the email informing Capital One that the charges were not authorized and spent over two hours on the phone setting up the disputes. Capital One still paid the final two charges even after I called regarding the email they sent. We contacted XXXX XXXX first, both our sales rep and their credit manager. The salesman later replied to the email acknowledging their mistake and said they would issue credits ( which they did ). The representative I spoke with at Capital One also tried to contact XXXX XXXX but was unable to talk to anyone.
My complaint with Capital One is for the following reasons : 1. Capital One fraud detection did not notify us of the duplicate charges ( six ) until they had paid them. We are routinely notified of duplicate or suspicious charges for small amounts. I have many on file. These were obviously very suspicious charges of the same amount. Looking back at our account their system they should easily see we have not made charges to this company in this manner or any company repeatedly for such a significant amount. That should have been an easy discovery for their fraud detection.
2. Capital One paid charges in over {$5000.00} in excess of our credit limit without notifying us.
3. The representative at Capital One I spoke with on XX/XX/XXXX did not complete the seven disputes. When I called the next day I was informed that the disputes were not finished and were not being processed. I got the pleasure of spending some more time with Capital One Disputes finishing the disputes and repeating information provided the previous day.
4. I spoke with a Disputes Manager and he said there was nothing he could do to free up our account. It is absurd that someone could put over {$20000.00} unauthorized charges on your credit card, have your card unusable for 2 to 10 business days and the credit card company can not do anything? That is pitiful.
5. The disputes manager told me several times that XXXX presented the right credentials for payment namely the credit card number and expiration date. That may be fine for one payment but not six of the same amount at the same time? Really? He was very nice but must think I am a moron. What normally happens on a fraudulent charge? They have your credit card number and expiration date.
6. We were declined by Capital One for six good charges so far as a result of their error. This was embarrassing and unnecessary.
On XX/XX/XXXX both the credits ( except one ) and disputes were showing on our account. How long would our account be tied up if I hadnt called and spent another two hours the following day?
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07/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
In late XX/XX/XXXX, I was online looking at all three of my credit card accounts with capital one and discovered that the interest rates on all three of them had been raised to the following .15.74 % 30.15 % and 23.65 % ..I immediately called to close all three accounts. I was told that one of my accounts could not be closed since there was a cease and desist placed on the account. When I ask how and why it was placed on the account I was told that I, the account holder, was the only person that could have place the order. I assured the representative that I did not place such an order and ask what it meant. She explained that it meant no one could call and talk to me about my account. I chuckled and responded why would I ever not want you guys to call me about my scout that is ridiculous Again I assure the representative that I have never placed such an order. She went on to say that she was unable to remove it in her department, and transferred me. I was transferred three more times after that attempted to reach the correct department to remove this from my account. A week later I called again about this account just to check and make sure it was closed and the cease and desist was removed. I was told the account had been closed but the cease and desist had not. I comment to the representative that this was strange because I had been told last week that the account could not be with the cease and desist in place. I requested to speak with a manger and was transferred again, twice. When the manager came to the line I was assured that she would and did take care of it, however I was never given an explanation as to how it was placed on the account nor why I was told I could not close the account unless it was removed. She again assure me that the cease and desist had been taken care of. A couple of days afterwards I decided to port the balances of these cards to another company with greatly improved rates. I was called by the new company and told they were unable to port the balance of one of my three cards because of a cease and desist order. Again I called capital one. This time I did conference call with myself, a representative from the company I was porting to, XXXX, as well as Capital one representative, XXXX. After an introduction of everyone and an explanation by myself of why we were calling, XXXX fr Capital One stated that she could see the notes from my past calls but she also did not see any cease and desist notice and invited XXXX to resend the request to port over the balance from the card to XXXX. XX/XX/XXXX I received a call from XXXX at the new company stating that again the attempt to get the balance ported to them was refused by Capital one due to a cease and desist order. XX/XX/XXXX I called Capital One after being transferred twice Once to a department to handled XXXX I finally requested the executive office. I spoke with XXXX XXXX -Agent XXXX. I went over all of the above history and concluded with my request to have the cease and desist moved from my acct. XXXX XXXX told me she would have to assign a case worker to me and that it would take 3-4 days for them to contact me. I ask XXXX XXXX if there was any reason that she could not remove this cease and desist, she never gave me an answer only insisted that she could only assign a case worker. I have never experience such a circus show with in a place of business. Also I thought a company had to honor the interest rate when you signed the contract. I also thought an interest rate of XXXX % was more like loan shark and illegal. I need the cease and desist removed from my account and the new company to be allowed to port the balance over. XXXX XXXX XXXX XXXXXXXXXXXX
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07/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
On XX/XX/XXXX I reported a problem with XXXX They had charged my account {$540.00} even though, they should not have. I wrote to XXXX and I called but I might as well have just shouted into the bathtub for all of the help that I got. In fact, the number then XXXX called me back from was out of the XXXX and I could not return their phone call because I dont have international calling. I have all of the proof written in communication with the hotel that refunded my money. And proof that the hotel told XXXX to refund my money. Only like I mentioned, XXXX is impossible to get in touch with. I called my checking account owner, capital one bank who gave me a provisional credit. I also told him that I had everything in writing and if they wanted it I could supply it now one month and one week later on XX/XX/XXXX, my provisional credit has been removed and Im now back on the hook for {$540.00}. Its interesting to note, The capital one was supposed to mail me out a new debit card. Only, they left the one under which I had reported the booking.com in accuracy open. They never canceled it. So the next thing that happened was that somebody continued to use this card that I was told was canceled and when another almost {$500.00} in Various charges showed up debited from my checking account, I called capital one to learn oops, we never canceled the old card that was our fault sorry. So I was issued more provisional credit and they told me they would expedite a debit card immediately closing the one that still had never arrived after the first in accuracy with XXXX and closing the originalone that the booking.com purchase was made on.
The second round of fraudulent purchases ( remember, I had no physical debit card because I had been told it was canceled and I was waiting for a new one, also this was reflected as fact within the capital one app -as it showed no active debit card on the account and that was true but someone had my active debit card all because the bank never closed the first time.. ) I was told they would expedite a brand new card and the one that originally was supposed to be closed because of fraud, would definitely be closed this time and the one that was on its way was also going to be canceled because, they needed to do that in order to mail me out a new one.
Now, XX/XX/XXXX comes around and capital one debits my account for the provisional credit from the original fraud through XXXX and says no fraud took place. I am now - {$540.00} in my checking account and I still, never got that expedited card. Instead, capital one mailed it out regular old mail and it arrived at my home after I left on an extended trip to receive treatment for XXXX XXXX, with an XXXX XXXX in XXXX. Not only did capital one leave open a card I called to report as fraud, they allowed those charges to go through -all done electronically without an actual physical card. Im guessing that since the first provisional credit has been reversed, theyll soon reverse the others that were made on the card that shouldve been closed All of these things are true. I was treated terribly and the customer service, let alone the efficiency Of this bank, Leaves much to be desired. I would like this provisional credit that they debited from me to be reversed and I do you have the proof in XXXX telling me theyre still investigating even though I have a hotel that says they told XXXX to refund that money because of the original issue which was a miscommunication on behalfofXXXX nd This was money that they lost because of theyre inefficiency and it was money I needed more than ever to travel and survive during this XXXX XXXX then Im receiving out of town I ask you for your help please
|
02/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
The reason I picked up the phone to contact an attorney was because I felt that XXXX XXXX handled my repossession very poorly. From day XXXX, I had never received any of the formal paperwork they coughed up for you ... I did n't even know who towed my car until I got a hold of XXXX ( the storage facility in XXXX ) I was in contact with XXXX XXXX the whole incident ; they ( XXXX ) were working with me extending the 15 days so that I could get up the money for my car. I let them know that I was applying for a grant called that XXXX and that would be enough to pay them. XXXX ( storage place ) let me know that my car was nowhere near ready to be sold ' and XXXX had given me the last retrieval date of XXXX/XXXX/2016. ALL were in agreeance with this if you looked into the phone records.
I made the payment at XXXX XXXX on XXXX as agreed by myself and XXXX XXXX as the last day they would allow me to retrieve the car. Payment was made over the phone and so I called XXXX ( storage place ) to confirm the payment wired was received. The representative had received the release from XXXX XXXX but I had to make an appointment to pick up the car. I then contacted XXXX for the next steps and the women informed me that I needed an appointment and tags because when the cars go down they have no tags attached ... so I would have to re -register my tags in order to drive off with the car. ( Problem # 1 ) NO ONE informed me that throughout this process your tags may be destroyed or thrown out, etc. As I stated before I did n't even know who towed the car, XXXX gave me all the contact info to the towing company that assisted the repossession.
I called them and they told me that my personal things ( which were none ) had been thrown away after 30 days, I said that 's fine I took all my stuff out of the car while I was on the phone with XXXX XXXX ( at the time of repo ) I informed her that I just wanted my tags ... she said hold, I 'll check. She comes back and said, surprised we still have them, I get their address so that I can pick it up. ( Problem # 2 ) They charged me a fee in order to get my tags back which was never discussed over the phone! ( I thought that XXXX, even in an accident they allowed me to take my tags, why were they not returned to me and no one called me from the storage place at any point to pick up anything ... let alone a 30-day time frame ).
So we got the tags, we call XXXX to register and they inform me that the car was no longer in my name???? As of when? I asked XXXX /2016 ( Problem # 3 ). So I called XXXX XXXX and asked what happen, the representative said that they had put that paperwork in with the state, I asked her when and she said XXXX/XXXX/2016, so I then asked her WHY would XXXX File paperwork to remove my title possession the same day WE agreed on the retrieval date??? She said hmmm ; uh ... let me call you back? Next day XXXX/XXXX/16 ( the day we were schedule for XXXX ) we had these tags ( not legal ) and no title, finally reached this XXXX and she informed me that I needed to sign this POA in order to get my title back .... I could not register my tags because it was NOT in my name and because the title is still attached with them XXXX said that my tag and title are not linked that is why I kept getting the error message online even though XXXX had sent me a renewal form to my home, even though I sent POA paperwork in XXXX.
I can not register my car or get an inspection done, I have to work/ school or they will repo again for nonpayment and as of XXXX 2016 I submitted a 2nd/ POA for title to be put back in my name and every time I call I am given the runaround.
Is there a claim that I can file for emotional pain/ trauma
|
08/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
I have recently detected discrepancies in foreign exchange rates used by Capital One Credit Card against the major foreign exchange markets. I have made numerous purchases in the XXXX XXXX ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX currency during the year 2022. My observations have been alarming as I am being charged exchange rates that are not in line with market rates. I am being charged with hidden fees embedded in the quoted exchange rate by Capital One Bank. I have specially chosen to use Capital One exclusively for all my foreign currency transactions as Capital One Bank XXXX XXXX credit card does not charge foreign transaction fees. No Foreign Transaction Fees You wont pay a transaction fee when making a purchase outside of the United States.
These are only a small sample of the US {$22000.00} in charges which have been paid in 2022 on transactions involving a foreign currency. On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX converted amount of US {$52.00} with an Exchange Rate stated by Capital One of XXXX, XXXX XXXX XXXX XXXX converted amount of US {$28.00} with an Exchange Rate stated by Capital One of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX converted amount of US {$46.00} with an Exchange Rate stated by Capital One of XXXX. In this example, the quoted XXXX XXXX XXXX on XX/XX/2022, from the XXXX XXXX XXXXXXXX is XXXX. Consequently, I am not able to confirm any of the stated Exchange Rates used by Capital One as the rates used is higher than even the highest rate traded for that day on the foreign currency markets. Effectively, I am being charged hidden foreign currency fees embedded in the Exchange Rate, when Capital One claims no foreign transaction fee is ever charged.
I reached out to Capital One Credit Card on XX/XX/2022, and spoke with XXXX ( Employee Number XXXX ) to enquire about the source of the Exchange Rate, what foreign exchange market rates were used, and at what price ( e.g., spot rate, open rate, mid-rate, close rate, high rate, mid-rate, etc. ). Her explanation was that Capital One does not set the Exchange Rate, it is set by VISA. I was told if I want to know how the Exchange Rate was stated, I will have to reach out to VISA.
I contacted VISA ( XXXX ) on XX/XX/2022, and spoke with Senior Customer Service Representative XXXX ( Reference Number XXXX ). I was informed VISA does not set the Exchange Rate. VISA does not set foreign exchange rates ; they are merely a facilitator of payments only. The portal they provide on XXXX XXXX XXXX is only a guide for consumers to get a general conversion rate, but is not Market Rate. It is informational only and not indicative of the actual exchange rate charged by the issuing bank. The final Exchange Rate is set solely by the issuing Bank, VISA has no policy to set the Exchange Rate that banks charge to their customers.
After my telephone call with VISA, I reached out to Capital One again. I spoke with XXXX ( XXXX XXXX XXXX ) on XX/XX/2022. I explained the entire situation to him, and his response is that Capital One sets their XXXXxchange Rate from VISA. I dont seem to understand how Capital One insists the Exchange Rate they charge to me is set by VISA and for me to contact VISA for their explanation. After all, I have no relationship with VISA, additional hidden charges are passed off as part of the Exchange Rate from Capital One, not VISA.
Does this seem right? How many other customers have been deceived by Capital One without knowing it, because the additional fee was hidden as part of the Exchange Rate? Will I continue to be charged additional hidden fees in my future foreign currency purchases by Capital One? To date, no satisfactory response has been given by Capital One.
|
12/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX at XXXX CST Capital One text alerted me about a charge being made for {$410.00} at a XXXX XXXX XXXX XXXX in XXXX XXXX MN, asking if I was making that purchase, at that moment. I replied no and within minutes was on the phone with a Capital One Customer Service agent. That call revealed another XXXX XXXX XXXX XXXX purchase for {$100.00} at a store location in XXXX MN on XX/XX/2019, 2 days prior. I reported both as Fraudulent and my acct was closed and a new card issued.
On XX/XX/2019 I received a letter from Capital One, date XX/XX/XXXX, informing me of their Data Security Incident on XX/XX/2019. The letter states that I was receiving this letter because my personal information was obtained by an unauthorized person outside of the company. The information obtained includes in store application, social security numbers and possible linked bank account numbers for applications and existing card members.
On XX/XX/2019, I received a letter from Capital One stating that they found no evidence of Fraud and that the charges were being added back to my account. I called to find out why and they said it was because a chip card was used in store and therefore no fraud could occur. Capital One refused to help me further.
On XX/XX/2019 I contacted the XXXX XXXX Police Department and also the XXXX Police to report the fraudulent purchases at each store respectively. Both police departments have completed their investigations. They were able to view in store surveilance footage of the person who made the purchases and posted a photo to other local police departments.
On XX/XX/2019 I received an email copy of the XXXX XXXX investigation report and I am currently still waiting for the XXXX report. With this information I contacted Capital One again to resubmit my claim the the purchases were fraud. Despite the local police department investigations, Capital One is refusing my claim because the purchases were made in store using a chip card. A Fraud Account Manager named XXXX said he would reach out to each police department and make a final decision afterwards.
I waited until Monday XX/XX/2019 and contacted both police investigators to inquire if Capital One had reached out to them, they had not heard from Capital One. I then called Capital One and was told that no one in their fraud department would contact any local law enforcement agency, that they had their own internal law enforcement department that would investigate and would possibly reach out to local agencies. This person also said that Capital One 's stance would not change, that the charges are legit and I would be responsible for paying them.
During my own personal investigation and interaction with these police departments, the equipment and technology is out there for criminals to take personal and account information to create chips for use. I believe that the persons responsible for these fraudulent purchases were able to create a duplicate chip card based on information from the Capital One Security Incident. Capital One of course denies any personal information was actually obtained, however, their letter to me contradicts that claim. Every call I have made to Capital One has resulted in a minimum of 5 transfers and long hold times, some for longer than a half hour. I did not make either purchase, my physical card was never used for either purchase and I did not loan my card out or authorize anyone to make either purchase. That by definition, makes the charges fraudulent. I had been a card member with Capital One for about 15 years, The account in question was a new account opened at a Cabela 's store in XX/XX/2019. Both card accounts have been permanently closed.
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04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX I purchased a XXXX XXXX XXXX with Capital One being the lease holder.
Within the first couple of months, my account assessed a late fee in which I paid. I called on XX/XX/XXXX and spoke with XXXX to inquire about what day of the month are late fees assessed and how much so that I would be aware going forward as I only get paid once a month and need to know how much to add to my regular monthly payment.
I called on XX/XX/XXXX and spoke with XXXX regarding the late fee I previously paid that was not applied correctly and requested that the payment be reversed and reapplied correctly according to my contract and XXXX offered to " waive '' the late fee that I had already paid and I asked that he not " waive '' it and to please do as I ask but he advised that in the end, this would be better for me since the funds that were intended for the late fee was applied toward principal and that it should not occur again in the future.
I requested a payment history to show the application of my payments ( attached ).
I received a letter dated XX/XX/XXXX stating that the account status is current ( attached ).
I assumed this issue would not occur again but began experiencing issues in XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX regarding the late fees are not being applied as I pay them and found out that the late fee that keeps showing up is from XX/XX/XXXX that I had paid that was never applied correctly and was supposedly " waived ''.
I called on XX/XX/XXXX and spoke with a female team member to explain my issues but she was unable to assist and advised that I would need to still pay the late fee. She did not understand that I have paid each and every late fee monthly and how the funds were be applied by her employer.
I called on XX/XX/XXXX and spoke with XXXX in the Resolution Department and was advised that I need to call in each and every month to have my payment applied correctly.
I called again on XX/XX/XXXX and spoke with XXXX and tried to explain to him that the automated system is giving out different figures than what the monthly billing is showing and from what he was providing.
During one of my many calls, I requested to speak with someone in the Presidential 's Complaint Department and spoke with a female and explained the entire series of issues and she wanted to me explain it again to one her co-workers.
I can not call Capital One every month for 7 years ( the length of my contract ) and explain to every employee of the issue of pending late fees that I have legally paid yet the company refuses to apply correctly.
I am not an employee of Capital One and do not feel as though this is the responsibility of the customer to ensure the lease holder applies payments correctly. This has weighed heavily on me for the past three years and has cause me emotional distress trying to correct the company 's error. This has been very exhausting and is a shame that I have to go this far for the company to know and understand they are putting their customers in a tough situation.
I want to ensure Capital One to reverse all the payments that have been made to date including the late fees and reapply them correctly including all the late fees and I want to have this confirmation in writing from them.
I also want confirming in writing that they have not reported anything negative on my credit for this account to date and request this in writing as well.
I am attaching a copy of the main page of my contract, all my monthly statements from XX/XX/XXXX to current date, payment histories and letter for back up for your review and confirmation.
Please reach out to me if you need further information to resolve this issue.
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08/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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On XXXX/XXXX/XXXX I received an email from Capital One regarding a decrease in my credit limit from XXXX to XXXX in which the company stated " may '' affect my credit score. I opened the card last year to have access to a XXXX credit card since many vendors do not accept XXXX XXXX ( my primary charge card I 've had since the XXXX 's ). The reason Capital One gave was 1. low activity and 2. not high enough balances. I am a XXXX and run on average of 4 to 5 thousand dollars minimum each month through XXXX and not on my Capital One card. Also I have never been late or behind on ANY cards my entire life. When opening the Capital One card I did not ask for a XXXX credit limit. Because I pay my balance off each month no matter the amount, I never accrue interest. In addition my credit limit is higher with XXXX. XXXX XXXX does not change my limits due to inactivity and XXXX detected the decrease and as a result, lowered my credit score. Also with the other 2 credit reporting agencies as well. Upon calling Capital One and talking to 3 people to get to the executive office, XXXX ( a manager in the executive office ), told me there was nothing to do except charge more and ask for more credit. I discussed this with XXXX. I was told by the executive office at Capital One, they would not increase the limit and nobody would call me. Conversation was recorded. I asked to have this decision be reversed and told no. I asked why a decrease and let me know what I have done to warrant this. No reason other than inactivity and low balance. Low balance and decreased activity did n't affect my credit limit on other cards, and paying card balances off is fiscally sound! The conversation solved nothing and sounds to me like they want me to run a balance for them to make money and lower their Teir 1 balances. Capital One knew what they were doing and how it would lower my credit score. They did not have to lower the limit as it will still not change what I charge and keeping my balance low. I feel that the only solution is to run up high balances and ask for an increase in my credit limit is what Capital One wants. My other companies have never done this. If I need to borrow money for a car loan or mortgage company, my lower credit score WILL affect my loans. I am asking for an investigation and expect my credit score to return to it previous level. That will probably mean raising my credit limit and or expunge the damage from their letter. I did n't ask for the XXXX limit to begin with. My conversation did nothing to allow me to feel good about this company. I was told they could do nothing to help me and reiterated over and over what the decision was, not the " why '' of the decision when I have never, ever been late with paying, never carried a balance and always paid on or before the bill 's due date. I will be dropping this company when I 'm able to find another XXXX company. I 've discussed this with my personal banker. The President and Vice President of my bank XXXX encouraged me to write to you as the activity may be legal, but knowing the drop of the credit limit will affect me for Capital One 's benefit. Also my bank President informed me that the XXXX 's credit card company would not drop their customer 's limit unless of a PROBLEM. I have a clean record. No issues. The discussion was threatening from the executive office of Capital One. Although I am angry, not having the opportunity or ability to solve the problem with Capital One makes me believe the drop was intentional to benefit them financially in Teir One balances. I will provide you the emails and letter. You may have access to all my card balances and history for this investigation. Thank you
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02/04/2017 |
Yes |
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Web |
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I attempted to make payment arrangements for account ending in XXXX earlier this evening on XXXX, a copy of chat is copied and pasted below. As I explained to the rep, I can only pay XXXX on XXXX, XXXX is due by XXXX. I stated several times I needed to set up an arrangement/payment plan to cover the remaining past due balance, however, rep was uncooperative and abruptly ended the chat saying to contact back when account is current. Obviously, I need to make a payment arrangement in order to do so, which he failed to do ... Please see copy of chat below ...
Welcome to our Capital One secure chat service! This chat will be monitored and recorded.
Please Note : Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows.
Hi, this is XXXX XXXX. Whom do I have the pleasure of chatting with today?
You XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX How may I assist you today?
.
You XXXX XXXX I 'd like to make payment arrangements for account ending in XXXX XXXX XXXX XXXX XXXX I should be able to help you with that today.
XXXX XXXX XXXX XXXX I 'll need to look at your account before I can answer any specific questions about your situation.
XXXX XXXX XXXX XXXX You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click Validate.
Visitor -- XXXX XXXX XXXX Customer validated successfully You XXXX XXXX Unfortunately, I dont have the minimum payment due of XXXX. I can pay XXXX today though..
XXXX XXXX XXXX XXXX I will be right with you.
You XXXX XXXX Thanks XXXX XXXX XXXX XXXX May I know your date of birth and zip code?
You XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX problem.
You XXXX XXXX?
XXXX XXXX XXXX XXXX Just a moment.
You XXXX XXXX are you there?
XXXX XXXX XXXX XXXX Yes, I am here.
You XXXX XXXX ok..
XXXX XXXX XXXX XXXX Please allow me a moment.
XXXX XXXX XXXX XXXX Thank you for your patience!
XXXX XXXX XXXX XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose.
XXXX XXXX XXXX XXXX I see that your current amount due is {$1000.00} by due date XXXX/XXXX/XXXX You XXXX XXXX ok XXXX XXXX XXXX XXXX How much can you pay today?
You XXXX XXXX XXXX You XXXX XXXX I already scheduled it for the XXXX XXXX XXXX XXXX XXXX I can see that your payment amount {$180.00} by XXXX/XXXX/XXXX, is in scheduled.
XXXX XXXX XXXX XXXX Your payment will post tonight and the funds are typically available by XXXX XXXX the day after the payment posts.
XXXX XXXX XXXX XXXX I will note your account that you will be making a payment of {$180.00} by XXXX/XXXX/XXXX You XXXX XXXX yes but I need to make arrangements for the remaining past due amount XXXX XXXX XXXX XXXX I will be right with you.
XXXX XXXX XXXX XXXX If you make the payment {$180.00}, Its remaining {$710.00} past due amount You XXXX XXXX ok You XXXX XXXX id like to make arrangements for that amount XXXX XXXX XXXX XXXX Yes you are correct.
XXXX XXXX XXXX XXXX Only {$180.00} by XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX I will note your account that you will be making a payment of {$180.00} by XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Hello You XXXX XXXX i need to make arrangements for the remaining past due amount You XXXX XXXX is there a payment plan available?
XXXX XXXX XXXX XXXX Pleased contact us back XXXX XXXX XXXX XXXX once get your account a current you can contact us back XXXX XXXX XXXX XXXX Thanks for using our Chat services.
XXXX XXXX XXXX XXXX Thank you.
XXXX XXXX XXXX XXXX Bye
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01/29/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
In XXXX I went through a divorce therefore substantially lowering my income and was unable to pay on a credit card with Capital One. In XXXX XXXX, I established a settlement with XXXX XXXX XXXX in which payments were automatically deducted from my checking account. In XXXX XXXX I received a letter from Capital One that XXXX was no longer servicing my collection account and all future payments were to be made to Capital One sent an account statement much higher than the settlement amount agreed upon and only reflected XXXX payments having been made. During this time XXXX XXXX began making additional withdraws from my account that was not authorized and the phone number listed for the company was then disconnected and after speaking with my bank they suggested that I close the account. I then requested in writing from Capital One an accurate statement including the agreed upon settlement amount and all payments received on the account. Capital One responded that they did not have record of an account with them. I resent my original request along with their original account statement and letter referencing no account on file. No further response from Capital One regarding my request. In XXXX of XXXX I received a threatening phone call from a man named XXXX XXXX who continue to cuss and threaten legal proceedings if I did not pay the Capital One debt. I advised XXXX XXXX to send everything in writing and hung up. In XXXX of XXXX I received a call from Capital One employee demanding payment. I explained in detail the situation that had occurred. She stated we no longer honor that settlement because we received a return payment. I explained to them the account was closed due to unauthorized charges from XXXX XXXX. In XXXX of XXXX I received a letter from a law firm on behalf of Capital One in which I requested validation and documentation to support their suit and I received no response. In XXXX XXXX I received a letter from another law firm on behalf of Capital One requesting the same information, the attorney responded advising he did not have to provide me with any further information. I sent in writing again request for validation and received no response. In XXXX XXXX I received notice of a lawsuit on behalf of Capital One. I responded to the court and also requested that the XXXX, Capital One provide documentation. In XXXX XXXX, Capital One requested a continuance and still unable to provide any documentation. On XXXX XXXX, XXXX both parties appeared in court and at the request of the XXXX, Capital One they requested that the case be dismissed. On XXXX XXXX, XXXX, I received a XXXX in the mail from Capital One and the amount listed is still not accurate and does n't even match the amount they attempted to collect previously. I contacted Capital One via the phone number listed on the XXXX which sent me to their recovery department. I spoke with them in detail and advised the case was dismissed and that there is still a dispute of the amount in question and if they are going to send a XXXX it needs to reflect the proper amount. I also explained that the name and address on the XXXX is also incorrect. The representative informed me that they will NOT correct it and according to their records it is accurate. I requested to be talk to someone above them or in their legal department to get it corrected and they advised they did not have any contact information. I was then referred back to the attorney that dismissed the case in XXXX. Since XXXX XXXX until XXXX XXXX I have no contact with Capital One. There has been no attempts to collect on the previous debt or new suit filed. The XXXX is not accurate and I have no recourse to correct the issue.
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08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I opened a credit card account with Capital One with promotional offer of 0 % APR back in XX/XX/XXXX. I always made a minimal payment and had never made a late payment to this account as I was enrolled for auto-payment. I wanted to make sure that I didnt get an interest rate charge as I already paid the balance transfer fee 3 % initially.
Given that there was ZERO information when the promotional rate would be ended on the credit statement, I called the customer representative and the information provided to me was XX/XX/XXXX. Thus, I marked my calendar to pay the remaining full balance in XX/XX/XXXX.
However, as I reviewed the statement on XX/XX/XXXX, it stated I have a total of purchase interest rate charges of {$2200.00} starting XX/XX/XXXX with interest rate of 26.49 %. I called the customer service desk and they stated that the promotional rate was ended in XX/XX/XXXX. This was new information to me as I tried to prevent paying interest rate on a credit card.
There were several failures on Capital One side : 1. Customer Service said the promotional rate ended date should be shown in the statement, which was false as it was never shown in a statement.
XXXX. Customer Service said that there was a letter mailed to me last year stating when the promotional rate would be ended, which I never have received. I also signed up for paperless mailing with Capital One ; however, there was no letter was received in my inbox.
XXXX. Customer Service told me that my promotional rate would end in XX/XX/XXXX, which was different from the statement I have.
I have Zero access to this interest rate would go-up information but trust the information was given by the customer representative.
I called Capital One on XX/XX/XXXX. The response I got from them was all information was in the welcome kit came with the credit card back in XX/XX/XXXX. They were NOT responsible for what customer representative said. They would not waive the finance charge and said I was responsible for entire amount. I responded that I would only pay for the principal balance of {$14000.00} and would not pay for the financial charges that was NOT my fault. I also asked the customer service address so I could mail a physical letter to them for official complaint and hoping for a resolution. I closed this credit account with them on the call.
I paid the principal balance of {$14000.00} and mailed in the complaint letter on XX/XX/XXXX after I place the 1st phone call to Capital One.
On XX/XX/XXXX, they charged me another {$210.00} for finance charge again. Now the account balance total is {$2400.00} solely on finance charges.
On XX/XX/XXXX, I called Capital One customer service again about this complaint as I have not yet received or heard anything back from them. Again, they said they would NOT waive the financial charge and they do not expect to take any action responding to me. I asked if they have received my letter and they said they didn't know as that letter didn't show up in the account. I stated again that I believe my account balance should be {$0.00} instead of {$2400.00} balance solely on finance charges. Capital One still responded with no finance charges would be waived while I asked them stop charging this account while we are resolving this issue.
I also have bank account with Capital One. If I had known the right date, I would pay off the entire account BEFORE the interest rate went up in XX/XX/XXXX. There were just so many Capital One communication failures resulted this huge finance charges.
I am requesting Capital One to waive all financial charges so this credit card account balance will be {$0.00} and there will be no impact to my credit score.
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12/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I recently refinanced with Capital One from XXXX in XX/XX/2016. I then got into a major car accident on XX/XX/2016 which resulted in a total loss. This was the worst scenario that could have happened. My complaint branches from the lack of knowledge incorrect information repeatedly given to me by the agents in the total loss department of the Capital One Auto Finance Department. I was sent the paperwork for a power of attorney prior to my accident, and then right after the accident I called Capital One to see if they still needed this information due to the fact the car was now in a total loss status and there would no longer be a loan for that particular car. The agent I spoke with went to call over to a department and inform them of the total loss and returned to the call and stated not to worry about it they would not need any of the loan paperwork now that the car was totaled. I later was on a 3 way call with XXXX and the total loss agent who stated they were finalizing the title and that they had received my power of attorney paperwork on a previous date. I informed the XXXX agent this was incorrect and that I had not sent this information because I was told that it was unnecessary. The XXXX agent clicked back over to the Capital One agent who stated I could fax over the power of attorney and that " it would not hurt to receive this information twice '' ( and they provided the XXXX agent a fax number ). I faxed over the paperwork right at that time ( XXXX XXXX ). I called Capital One a few days later and found out that there was a delay on the finalization of my title ( which was needed by XXXX to issue payment ) due to the fact they had not received my Power of attorney. I stated I had faxed the document, and was informed that they can not take a legal document faxed and that they do not know why I was given this misinformed information. I immediately sent the information in the mail, but by the time they received this it had been almost a month which is delaying the process further. XXXX would not be paying the car off in full, so there would be a remaining balance. I spoke to XXXX different agents at Capital One, who stated that I would still be responsible for payment of the remaining balance, which is reasonable. The first agent stated that I would have to pay my same loan monthly amount that I currently pay until the loan was paid in full, and the second agent stated that Capital One makes payment plans and would work with me to resolve the balance, and that I would not have to pay the full amount of a monthly payment as if I had a loan the payment amount would be less. I was fine with this. What brought me to this report was today XX/XX/2016 I spoke with an agent that told me the exact opposite. He stated I would be responsible for the remaining balance in FULL once XXXX issued them their payment. That there is no option for payment plans and that I was told incorrect information. At this point I am completely furious with the agents and their lack of knowledge. Because of them I have had a delay of almost a month for the title and then the title is still not finalized, therefore XXXX still has not issued them payment and I have made XXXX monthly payment as of tomorrow for a car that is no longer in my posession. I would like to report Capital One Auto Financing for the Unfair Deceptive Practices Act. I have their online website for total loss that states if you have a total loss with a remaining balance call the number and discuss payment options. I feel this is highly misleading if there are NO payment options. You have to pay the loan in full and anything less than that amount I was told would still cause a past due amount.
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07/24/2015 |
Yes |
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Web |
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XX/XX/2015 I received a letter ( dated XX/XX/2015 ) that my address was changed on my account. I called back and told them that I did not request or submit an address change. When I spoke with Customer Service Rep I was told that it was changed as a result of a United States Postal Service address change done on XX/XX/2015. The Rep changed my address back to the correct address. The Rep advised me to call Fraud Protection tomorrow because they were currently closed. That night I also called the USPS and spoke with someone who informed me that there was no record in their system that my address was changed. If change was done on XX/XX/2015 it would have shown up in their system by now. XX/XX/XXXX Called Fraud dept, spoke with woman and told her that the previous person I spoke with did not verify my password before discussing my account, she made a special notation on account prompting password verification. Password placed on my account on XX/XX/2015, after being made aware that fraudulent activity incurred on XX/XX/2015, and is not being utilized. I called back to notify company that the XXXX had no record of address change and asked again What prompted the address change? No results after that phone call. XX/XX/2015 spoke with XXXX XXXX XXXX from USPS and verified that no address change placed in system. Called Credit Card company back XX/XX/2015 to further try and understand what exactly prompted the address change, so far information was confusing. Was transferred to " XXXX '', after a brief research, I was told that a person in the collections department authorized and address change on my account 15min after previous Fraud Case closed. Question the timing for the case being closed and the phone call being made into company to the same department. Customers usually call Customer Service not Collections. I asked her how a person can call in and change info on my account without verifying my password? Was placed on hold and when she came back she informed me that they " are not required to ask for the password ''. But as of XX/XX/2015 a special notation was placed on my account that stated that the password must be verified. I questions why was n't that put in place when I placed the password on the account in the 1st place back on XXXX? Again the response was that they are not required to ask for password, but they will from now on because of the special notation. No resolution after that phone call. Wanted to speak with Fraud Dept but they were closed. XX/XX/2015 Called again to speak with Faud Dept regarding matter, was told again that address change was from USPS, I had to tell them again that I spoke with XXXX there was no record of address change. Was transferred to Cust Serv Manager who informed me that it was not from USPS, that there was a notation on XX/XX/XXXX at XXXX that someone called in and were unable to verify account password. However the address change time was noted to be XX/XX/2015 at XXXX. Confusing ... What compounds the situation is that the address was changed to a known fraudulent address ( police report made previously ) even though the person calling in was unable to verify the password. Information ( address of customer ) being changed on account even though person calling in was unable to verify password is unacceptable. I spent hours calling in on multiple days speaking with multiple personnel to try and find out what exactly happened and still am not XXXX % certain why address was actually changed. I was not able to get an answer. The closest answer I was able to get was from " XXXX '' in the Fraud Dept stating that in his opinion with his " years of experience '' sounds like human error. UNACCEPTABLE!
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04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed multiple disputes about my credit report with XXXX over the last 120 days, however they have yet to remove any of the inaccurate & erroneous information from my report. Furthermore, I believe they did not conduct a proper investigation under the US Code definition. They have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the XXXX. XXXX has removed the below accounts however XXXX refuses to do so which directly violates my right to have all 3 credit reports contain the same information across the board.
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
CAPITAL ONE Information displayed on the report is inconsistent across all XXXX agencies. CAPITAL ONE has been deleted from XXXX due an investigation that resulted in incorrect information being reported and as a result I am requesting that XXXX delete CAPITAL ONE from my report to reflect consistency across all 3 CRAs.
DEPT OF EDUCATIONXXXX - Information displayed on the report is inconsistent across all 3 agencies. DEPT OF EDUCATIONXXXX has been deleted from XXXX due an investigation that resulted in incorrect information being reported as well as the Family Education Rights and Privacy Act of 1974 ( FERPA 1974 ) and as a result I am requesting that XXXX delete DEPT OF EDUCATION/XXXX as well from my report to reflect consistency across all 3 CRAs
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08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Capital One placed a dispute on my credit report without my consent. This caused a red flag in my home buying underwriting process. And I am now at risk of losing my new home. After several exhausting phone calls to customer service with no help and not being escalated to a person who has knowledge and resolution authority of the this type issue, I feel this is my only option to get an actual Case Manager that I can speak with in this matter consistently with proper follow up. I spoke with XXXX today, but however you can't have his number, or email. I asked him to give me something in writing stating I did not process this dispute on my account ending in XXXX, also listed on my report as ending in XXXX. I have been paying on this account for years, exceptionally. I even have a car note with Capital One. As a valued customer, If I disputed this account, Capital One should have called me to confirm before sending an electronic message to the three Credit Bureaus causing a major Interference in a homeownership contract. This is very serious as I am about to lose my homeownership contract. I asked Capital One for something in writing stating I did not initiate this dispute. I also asked that I receive something in writing stating this is their error. XXXX could not provide me either document so that I can move forward in the home buying process without this affecting a repull- hard pull of my credit which will cause a deduction in pts and place my loan in jeopardy. Capital One ( XXXX ) stated on a recorded line call today XX/XX/2021 @ XXXXXXXX XXXX which lasted XXXX mins and XXXX secs that XXXX XXXX XXXX and XXXX caused this error. He stated Capital did not process this dispute. I spoke with a executive at XXXX yesterday XX/XX/2021 @ XXXX XXXX mins XXXX sec on a recorded line and He stated this was initiated by the Creditor Capital One. He also stated the following : " There is only two ways to dispute. 1. The borrower calls in or places a dispute online, which he confirmed is not the case. He stated what is the case is that they received a electronic file. Capital has a direct channel with credit Bureaus and have a XXXX representative. They can electronic send in disputes. '' Which makes sense since the same exact remarks was place each bureau on my credit report. No one called in or placed the dispute online as their would be a trace of Ip addresses, etc. I've stated Capital One initiated this dispute. Capital One will not accept fault They will not offer any document in writing stating who initiated this dispute. XXXX tried to twist the outcome by trying to state people lie about disputes all the time, not saying this is the case, but. Which would be irrelevant to this situation because Capital One knows and can prove that I have paying on this account exceptionally for years, I'm the one who called the three Bureaus and told them this is my account, I never dipute. So if his comment was relevant to me, why would I dispute an account as fraud and pay on it. And keep other products with Capital One. It doesn't make sense. The Bureaus and Capital One can prove who initiated this and who is ar fault, but not without a letter or a subpoena obviously. So I am not allowed to see who initiated something on my own credit report? So the Bureaus state its Capital One error. Capital One XXXX states this is the Bureaus error. This is wrong and illegal. And I need the government to step in because I know my rights as a Consumer due to the Fair Credit Act. I have a 2 month old and a daughter in my household. This is affecting real people lives and their ability to financially support. I can lose everything I invested into this homeownership process.
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09/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
On XX/XX/2018, I purchased merchandise from XXXX. XXXX charged my Capital One Credit Card immediately. This is usually a dangerous sign, and as I was to find out, XXXX was unable to deliver the goods as contracted.
The purchase price of {$77.00} was reflected on the XXXX, 2018 Credit Card Statement. On XX/XX/2018, I filed a chargeback with Capital One to obtain a full refund for the purchase. The chargeback was filed under the provisions of FTCs Mail, Internet or Telephone Order Merchandise Rule which requires, in part, that the goods be delivered within 30 days from the date of order. XXXX never obtained consent to extend the delivery date and failed to act in a professional manner throughout the entire transaction. Capital gave me a full refund which was shown on the XX/XX/2018 statement. I felt fortunate there was a law that protected consumers from companies who charge the buyer immediately, and then run the companies on a shoestring. I considered the transaction finished and vowed I would never deal with a company like XXXX again.
Unbeknowst to me, the {$77.00} purchase price continued to be debited by Capital. I later found that on the XX/XX/2018 statement, the {$77.00} price had been debited and shown as a Transaction Rebill. This deviation from what Capital agreed to was never verbalized to me. It was not until I had to file a complaint against XXXX, that they ( XXXX ) told me Capital had ruled in favor of XXXX, forcing me to pay for goods I never received.
It was not until XX/XX/2018, Capital advised that the time frame had expired for me to dispute the purchase price ( Exhibit A ). They further stated, If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge. And so my case was closed.
None of this made any sense to me, so by my letter to Capital dated XX/XX/XXXX, I recounted with absolute amazement their unmitigated gall to tell me I had not met the 60 day time limit ( Exhibit B ). I seriously questioned whether the person writing Capitals letters could read and write, I.E. Purchased goods on XXXX ; notice of chargeback given on XXXX18 equals a total of 40 days.
Capital responded to my letter remaining firm I had not given the 60 days notice On XX/XX/XXXX, their letter stated the same thing as it had before that I had not complied with the necessary legal requirements ( Exhibit C ). And by siding with XXXX, they were also forcing me to patronize a company who had proven to disobey laws. Capitals decision to favor a company who had violated any number of laws was arbitrary and self serving to say the least. Capital had no basis in fact to favor XXXX ; it seemed more like a power play to me. There was no part of this credit transaction that was legal, especially since they continued to falsify my credit card statement with an unjust decision.
In addition, Capitals actions completely voided the Billing Rights Summary and Terms regarding correction of a billing errors, notice from Capital of their decision, appeal, etc.
I never received any notice of their position, and didnt know what was happening until XXXX advised me of their actions by their letter dated XX/XX/2018. ( Exhibit D ).
Finally, I received a check from Capital One dated XX/XX/2018 in the amount of {$130.00}. I copied it, but then I found I had misplaced the check. It has never been found. I wrote to Capital on XX/XX/2018, and asked them to replace the check. I have not received any response from them. The XX/XX/2018 Statement does note a credit balance refund on XX/XX/XXXX in the amount of {$130.00}. I am repeating that request again here for them to send me a new check.
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08/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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In XXXX I received a letter from Capital One however I did not understand this letter. I could not find a definition of some of the terms found in this letter. I called the company and was told, there were changes being made to the laws regarding credit cards and Capital One was changing the terms of the contract to be in line with those new laws. I asked at that time about the interest rate. I previously had a fixed rate of 9.2 %. I was told at that time my interest rate would be fixed moving forward. I was assured it was part of the new law and was assured that it would be fixed. For sometime after this I periodically checked the interest that I was being charged and it did not change. When I opted for paperless billing I was no longer able to see the interest rate however believing it was fixed I really had no reason to look. Over the years I based my spending habits on that interest rate calculating the payment I would need to keep my balances at reasonable levels.
Fast forward several years. XX/XX/XXXX XXXX I was reviewing my balances trying to figure out why they were still higher that I had calculated. After clicking around a bit I found the problem. The interest rate was charging higher than expected. I called Capital One to have them recalculate my interest as I believed my rate was fixed at a lower rate than what they were charging. After speaking with them I was informed my contract indeed specified a fixed rate of 9.2 % and I was currently being charged higher than that rate. I was placed on hold and transferred to a new person. This person told me that my rate changed in XXXX. I asked for documentation. I was also told there were no notices found about a change in interest rates. I told them about the letter I received in XXXX and the phone call with them at that time that assured me my rate would be fixed. They said they could not do anything about the past but they could lower my interest rate back to the agreed upon rate temporarily. I made the comment about Capital One commercials back in the day and I felt this had been false advertisement. At this point I had to return to work as it was XXXX so I decided to get off the phone and call back later.
I called back XXXX and asked for a copy of the letter that they say changed me to a variable rate. I was asked where I wanted the letter sent. I provided my email. I was placed on hold, placed on hold again, placed on hold again, then told they couldn't find it. I asked them since they couldn't find it they could switch my rate back to fixed and recalculate my balances according to the agreed upon contract in their file. They refused. I was placed on hold and then spoke to the supervisor and asked again for the letter. I was placed on hold, I then spoke to the Supervisor again and stated, If the letter notification could not be produced then my accounts should be audited at the fixed interest rate and adjusted accordingly. I was placed on hold again but then when he came back abruptly told I would receive the letter in the mail in 7 to 10 days and was offered no further explanation. I attempted to gain information about the letter as to what I believed it had said but no explanation was provided there was just a long pause. When the supervisor came back after the pause he ended the conversation.
So many questions. Why I was told in XXXX the rate would be fixed? Why did it stay at the fixed rate for so long after XXXX? Why did it take an hour to find the letter, was the letter actually found? If it was found why it can't be sent by email? Will I really receive the letter that was sent in XXXX or if it will be a fake? Was what happened in XXXX was legal to begin with?
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12/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One closed my consumer account on or about XX/XX/2023 per federal law any consumer account that is terminated the remaining balance must be returned to the consumer. I have not received my refund from this account as it is actively reporting charged off.
12 CFR 1026.11 - Treatment of credit balances ; account termination.
CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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12/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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Hi, My name is XXXX XXXX and I signed up for a Kohl 's credit card on XX/XX/22 at the local store XXXX XXXX XXXX, XXXX, CA XXXX, after the cashier insisted me to sign-up for Khols credit card to avail more benefits and discounts. I was told by the cashier that I should get the card by mail within 2 weeks. We waited for 2 weeks and called on XX/XX/22 or XX/XX/22 don't remember the exact date to Kohl 's credit card services to find out when the card will be coming so that we don't miss the payment that was made on that newly opened credit card. On the bill, we didn't find a complete credit card number so we asked the agent to share over the phone so that we could pay the bill timely by registering for auto-pay. Unfortunately, we were unsuccessful to get the complete credit card number over the phone and were rather got a lame excuse that the card shipping got delayed because of the holiday season and that we should not worry about the bill until the credit card arrives. The credit card arrived on XX/XX/22 over the mail and we registered immediately for paperless billing and enrolled for auto-pay. We got a confirmation of auto-pay on XX/XX/22 stating it will be effective from the next billing cycle and there was no date mentioned when the billing cycle starts what date the next billing cycle means? I was thinking the next billing cycle is when my statement will come and it can be auto-paid. But that was not the case here! Kohl 's did send me an email on XX/XX/22 stating I have missed the payment and that's when I called them to find the issue. The agents I was talking to were debt collection agents and they said I didn't pay the bill timely so that's why I have to pay the amount with the APR interest rate charged on the card ( {$2.00} ) which is not at all a big amount but reporting to the credit monitoring services and debt collection is the wrong thing to do when a customer had all the intention to pay the bill timely. Then I asked the agent over the phone not to report to the credit services which can affect my credit score and it was unfair to do so as I did all the right thing to pay my bill timely and we paid the entire bill of {$110.00} over the phone through my BofA debit card. The agent refused to do so and after I paid the bill over the phone dropped it off. I tried reaching an agent over their secured Kohl 's portal message services and they too were not helpful. I have pasted the entire conversation which I copied and pasted to the word file and have attached it below.
I would greatly appreciate CFPB 's help to fix this credit reporting issue and make Kohl 's learn a lesson and not do such wrong practice to anyone who is right in the first place. I work for a government agency in California State and do follow laws/ rules and try to protect the public interest. This is not about the interest charge to me which I don't mind paying if it's legitimate to do so. Also, I have seen online many such complaints against Kohl 's credit services and how they are cheating innocent customers during the holiday season by not sending the card timely and billing them for sending them for collection. This wrong practice should be stopped immediately by Kohl 's as it's against the industry rules.
Thanks and I will look forward to hearing back from you soon on this. Also, please advise if I should legally challenge them on this and if there's a commission where I can do that to protect consumer rights.
PS : I am also planning to report to our district congressman and senator whom we know well. Depending on CFPB 's investigation I want this should be publicly broadcasted to make residents aware of such wrong practices adopted by Kohl 's.
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08/19/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2021, after many hours of looking, at XXXX XXXX, I decided to buy a flight ticket for me and my family from XXXX XXXX from XXXX to XXXX to visit a sick relative. 3 hours after buying the ticket, I learned of their death. So, 7 hours after buying the ticket from XXXX, I called and let them know the situation and they decided to give me a refund for the XXXX $ which would arrive within 10 business days. After waiting about 7 business days and no refund, I decided to call Capital One to let them know by filing a dispute. They immediately credited my account with a temporary credit of XXXX $ and said they would resolve the issue within 90 days.
A few days later, they emailed me asking for proof that XXXX owed me a refund ; proof I did not have since it was all handled over the phone. And that's when the nightmares started, literally. After responding that I had no such proof, I got an email from them with a document from XXXX stating that they do not owe me a refund as it was a nonrefundable ticket.
I then called XXXX XXXX and they said the refund was issued XX/XX/XXXX however, it was stuck, and it would be reissued again the same day, That was in XXXX, and we are now in XXXX. Thinking this was my smoking gun, I recorded the conversation and sent it to Capital One as proof that they owed me a refund. They then replied asking for more proof and when I called them, they said there was no way to authenticate that audio.
The next email from them stated they have denied my claim and would withdraw the temporary credit from my account on XX/XX/XXXX. I called them, explained everything, letting them know the airline is lying because they are telling both of us divergent statements, they did not budge. At that point, I had lost many hours of sleep because this kept me up at night, and had lost many hours of work due to spending so much time on the phone with both XXXX and Capital one.
My parents ' home in XXXX was burnt down in XXXX and this money would go a LONG way towards rebuilding it. So I needed that money back.
Since they said my audio was " unauthenticatable '' XXXX XXXX XXXX, I decided to call them to appeal. I was transferred to a supervisor who was very nice and allowed me to call XXXX again on the phone as she waited to hear what they would say. She heard with her own two ears that they sent the payment but the bank has not accepted it yet. It was a 15-minute call that I recorded and sent to Capital One as part of an Appeal. Their next message to me was the following : " Re : Claim XXXX for account ending in XXXX [ Capital One Member ], We finished looking into your dispute ( s ). Based on the information we have, your claim ( s ) has been denied because we didn't find any errors for this amount after checking the docs the merchant provided.
Please note, XXXX issued credit ( s ) to your account totaling {$1600.00} on XX/XX/2021. '' So, EVEN AFTER THE AIRLINE ISSUED THE REFUND, THEY STILL DENIED MY CLAIM based on some shady paperwork the airline sent them. That paperwork was all that it took for them to rule in the airline 's favor, while I have sent them countless documents to try to prove that I was owed a refund. I was even going to take both of them to Small Claims court had the airline not issue the refund when they did.
A bank is there to protect both merchants and consumers, not just merchants. The burden of proof on merchants is a whole lot less than the one for consumers and that is very sad. Who is keeping these banks in check, to make sure they don't abuse their customers as Capital One did to me? I honestly wish this does not happen to anyone else and that is the reason why I am filing this complaint.
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04/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited a check for {$1900.00} via mobile deposit on Saturday XX/XX/XXXX from XXXX XXXX On Monday XX/XX/XXXX it was accepted and placed on a full hold till XX/XX/XXXX. I called the same day on XX/XX/XXXX around XXXX ct to speak with an agent to see if my check could be released early ( due to me having autopay set up on my bills and I didn't want the payments to be returned. The first I agent in the dept that placed the restrictions was trying to assist me with getting the check verified and released. We tried contacting XXXX XXXX XXXX but their hold time was 30 to 40 min and from what I observed capital one only allows agents to wait on hold for 10 mins.So I was advised to call back in an hour and we could try again. I called back around XXXX XXXX and was advised that my account didn't qualify for early check release. When I asked you they couldn't answer, so I asked you speak with a supervisor. I spoke with a lady in which she already had an attitude and advised me that my account was not eligible for early release because I have a history of items returning. I explained I don't have a history of checks returning, I have consistent dd biweekly ( I also work at a bank ) I have been a customer of capital one since XXXX with 1 checking account, 2 savings, car financed through them and 3 credit cards. But because I have auto pay set up which has caused my account to go negative and payments returned as NSF they decided to not release. The manager was even hesitant on calling XXXX to verify the check and explained that she didn't have to because it was a courtesy. Technically it's not a courtesy to call to verify a check if alleged account is a risk due to returns tjays something that is automatically done to ensure there is no risk. So, the manager placed me on hold for exactly 10 mins and said she tried to contact XXXX. And advised me that she has tried and they wait time was 30 mins and at this point I will have to wait till XX/XX/XXXX for my check to be released. Same day as my direct deposit comes in. At this point I'm furious because them being able to only wait in que on an outbound call to verify a check is ridiculous. I currently work at a bank in their financial crime dept. If a customer is on the back line ( to verify their personal information with third party ) to have check released to pay bills the least the agents can do is wait up to XXXX mins. Other than nsf due to auto pay over dracting my account I have not given this bank any other reason to hold checks. I have deposited checks into my account in the past that was more money and they were able to be released. Now I'm really upset because right after I filed a XXXX complaint on XXXX. I received an email advising my capital one account was restricted at XXXX am on XX/XX/XXXX. I thought the email was a scam until I logged into my account and noticed that all accounts were fully restricted, due to unusual activity. Now how in the world can their be XXXX unusual activity on my account when I just called twice today? My account was restricted for no reason at all. There are no unusual logins, if they check IP ITS THE SAME AND CONSISTENT, the exact same transactions post to my account consistently ( XXXX XXXX, loan payments, direct deposit, credit card payments, XXXX or XXXX here and there ). I am furious cause for 1 they have my check on hold and 2 now my account is fully restricted and advising me to call into capital one, yet again to verify recent transactions. So I have to wait for capital one to open because it's XXXX XXXX CT so more than likely I will have to give part 2 of this complaint on how it's handled but I can already tell it's not gon na go well
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01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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XXXX Dear Regulator, Last year, I opened a Venture X card with Capital One ( ending in XXXX ). In a period of approximately 3 months, from XXXX though XXXX XXXX I spent a total of {$16000.00} on the account before my card was restricted by the bank, my earned credits and rewards were seized, and all the benefits I had paid a {$390.00} annual fee for were taken away from me. I still don't even know why!
Capital One effectively defrauded me of {$2200.00} in rewards points, annual fees, and earned to date account credits which were not honored when they haphazardly closed my account. And they also reported inaccurate information to the credit bureaus, harming my credit even though I opened the account and I paid the bills on time, every time.
I messaged, wrote, and called Capital One time and again requesting information about WHY my card was not working and later WHY my account was restricted and WHAT was happening but was never provided an explanation beyond a verbal promise to 'send you a letter '. I waited but I never received any letters regarding this issue.
The only things I know are that my account disappeared from my online login on XXXX and when it returned a month or so later it was marked as restricted in the online portal. I am confused by this entire experience because I opened the account and linked it to my existing online login and I still have another capital one card that was not restricted tied to the same account ( XXXX ). I have never been able to get an explanation from Capital One outside a verbal discussion with one call agent, I believe in XX/XX/XXXX, who indicated the bank most likely suspected the account was opened fraudulently because another department was involved. That is all I know.
The facts are that the account was NOT opened fraudulently. The only party who committed a fraud here was Capital One. I paid an ANNUAL FEE of XXXX for BENEFITS that were never provided in kind. I SPENT over {$16000.00} on this card and EARNED rewards with a cash value of over {$1800.00} that were stolen from me without recourse. And I didn't do anything wrong. The information on my application was accurate. I also paid the full balance of my card bills.
So I opened the account. I paid my bill on time every month. I stayed within my credit limit. And what did I get from this? A {$2200.00} cash value loss. But don't you worry, it gets worse!
Because Capital One may have convinced itself that I committed fraud opening up a credit card for myself and using it to earn rewards points ( which Capital OnXXXX STOLE from me ), they also left unacceptable marks on my credit report showing that I had entered into a structured settlement payment plan with them. I did no such thing. I paid all my bills on time.
Why did this happen? I still have no details. Why is a regulated bank allowed to steal so much money from me when I didn't do anything wrong and used the account as agreed? Why would they ever be allowed to keep an annual fee if they did not provide an annual benefit? Why were they allowed to steal all my rewards points and credits without any compensation, particularly provided the information they seem to think they have acted on is false?
There. Was. No. Fraud. The only fraudulent party at play here is Capital One. This bank can not be allowed to steal from US citizens this way and should be fined or enjoined from issuing new cards for its actions in this case. {$2200.00} taken. My credit was affected. My time wasted. All for nothing.
Please do something to help. I don't think a bank should be able to act like this and get away with it.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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04/27/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Banking errors
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Web |
Older American |
To whom it may concern, I bought an 11 month CD from Capital One Bank at an advertised interest rate of 5 %. I transferred XXXX dollars from an insurance policy and expected to receive 5 % over XXXX monthly disbursements. The amount at 5 % resulted in XXXX divided by the XXXX month term and yielded a monthly amount of or around {$1100.00}. At no point was it disclosed that the XXXX month CD was going to yield less than the 5 % advertised. The date of the initial disbursement and the maturity date appear to reflect a XXXX month CD and not XXXX as It was advertised online and verified at the branch when we proceeded to make the {$250000.00} deposit and engaged in business with Capital One Bank.
It took more than a month for the the initial transfer to go into the new XXXX month CD account. This was very concerning as this is a very large amount of money.
My initial meeting took place at the XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX, MA XXXX on XXXX XXXX XXXX The actual transfer into the XXXX month CD did not take place until XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However Capital One CD Account shows a deposit on XX/XX/XXXX for the XXXX transferred into the XXXX month CD account, the discrepancy on the debit from XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX ) on XX/XX/XXXX and a statement from Capitol One showing the deposit on XX/XX/XXXXXXXX XXXX also raised a red flag.
I proceeded on XX/XX/XXXX to attach my XXXX Account to receive the monthly disbursements of the expected {$1100.00}. On XX/XX/XXXX the initial interest disbursement transferred into my XXXX account was in the amount off around {$100.00} dollars less than expected at {$1000.00}. I called, visited and complained directly to both the branch and the costumer service line where nobody was able to give me a straight answer on why there was a discrepancy.
I was sold an XXXX month maturity CD at 5 % and instead I am getting 4.1 % because their bait and switch language and what I believe is false advertisement and misrepresentation of a product.
The XXXX month CD term is not being advertised any longer nor I believe is it available as a product of Capital One Bank. I need help to resolve the fact that I did not and am not receiving the 5 % interest rate that was advertised, offered and sold to me by Capitol One.
I went to the branch on XX/XX/XXXXXXXX XXXX where I spoke with three representatives who were not able to give me a straight answer on the CD product, XXXX, XXXX and XXXX. They connected me to their live support via telephone while at their branch. Their representative on the phone was not able to tell me why there was a discrepancy between the expected interest and the received interest. They told me that they needed an accountant to do the math as they could not do the math for me, the client. I then proceeded to ask for them to escalate to a formal complaint and that I needed to speak to someone that could explain why I am getting 4.1 % interest on my 11 month CD and not the 5 % that was advertised, offered and sold to me. I was told that I would receive a call in the next 3 to to 5 business days. Case # XXXX.
I have yet to receive a call, an e-mail or a follow up. I am asking you to please help me resolve this issue as I am on a fixed income and trying to supplement it. You can understand how a {$1200.00} dollar discrepancy over XXXX months is not acceptable on a fixed income.
Thank you for your attention to this important matter.
XXXX XXXX XXXX enclosed : Capital One Bank XXXX month CD product description showing a maturity date of XX/XX/XXXX Capital One Bank transactions to date XXXX statement showing XXXX
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11/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
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Web |
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I closed my Capital One card account on XXXX XXXX 2021. The account was at {$0.00}. I closed the account because I moved permanently to XXXX ( XXXX, XXXX ) If you check the attached screenshot, on the file properties, you will see it was taken on my computer on XXXX XXXX 2021, the day I closed the account at {$0.00} balance.
However, on XXXX XXXX 2001, I received an email from Capital One stating I had a late {$25.00} fee. Shocked, I logged onto my old ( closed ) account and saw there was a charge for a total of {$71.00} ( including that late fee I mentioned ) I called Capital One from XXXX, XXXX, on XXXX XXXX at XXXX XXXX XXXX time. I was told to call again in XXXX hours and talk to the dispute department.
I did that and was on the phone for XXXX hour, XXXX minutes and XXXX seconds ( this was an international call, which will be incredibly expensive ). During that conversation, I was told Capital One was not going to forgive that late fee, nor any other of the charges. Again, they had charged an account after it was closed, which should be illegal.
This is what Capital One says happened : on XXXX XXXX 2021, I made a purchase at an XXXX store in XXXX ( which appears as XXXX on my account ) and they double-charged me by mistake. I called Capital One and filed a dispute. Capital One reimbursed me {$46.00} ( roughly, XXXX euro ), the extra amount I was wrongly charged by XXXX. I need to specify that Capital One did not inform me, at any time, that XXXX ) the merchant ( XXXX ) was irresponsive and XXXX ) that they might credit me for that extra charge at any time, even months later.
Capital One says that XXXX did credit me back on XX/XX/XXXX, that is, roughly XXXX months after the double charge happened ( it appears on my online account as a credit of {$46.00} on XX/XX/XXXX ). XXXX never informed me, Capital One never informed me. I did not receive information from any party that I had been reimbursed by XXXX months after the dispute was closed. However, Capital One still charged a non-existing, closed account, not only with {$46.00} dollars, but also, on top of that, with a {$25.00} late fee. How would I have known there even was a charge on a non-exiting, closed account? How can I be made responsible for a late fee, on top of everything?
I was a Capital One customer for approximately 6 years and never incurred in any late fees, so when I received an email from Capital One on XX/XX/XXXX stating I had a late fee, as stated above, I was utterly shocked and placed an international call immediately ( again, I was told to call again later ) During my second call with the XXXX department, a Capital One representative gave me the above information about a supposed double credit to my account ( of which, again, I was never made aware of ) and told me I was responsible for that payment. The representative also told me that there was no option to remove the {$25.00} late fee that Capital One placed on a non-existing account, months after it had been closed, for a charge they never told me about ( according to the representative, the XXXX credit to my account turned into a charge ) Charging a closed, non-operative, non-existing account should be illegal and looked into by the US Government. I am being forced to pay a total of {$71.00} by means of a direct transfer from my XXXX bank account to Capital One. After XXXX years of being a model customer, I am forced to make a payment for a charge that should be morally illegal, no matter where the credit is coming from. When a customer lacks all the information, they can not be made responsible for potential credits to their account that take place after the account has ceased to exist.
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07/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Kohls Credit : many technical issues disallowing managing payments, and incompetent service agents.
See below as experienced by me, XXXX XXXX , XXXX , XXXX on XXXX / XXXX /17 : Mobile App for making payments is broken. Impossible to sign in.
Kohls does not use the internet STANDARD of making userids case INSENSITIVE.
Mobile phone software continually capitalizes first letter of userid 's as you type them. Results are that mobile logins are impossible unless one has a PhD in mobile development and figures out Kohl 's lack of compliance with web standards.
Payments may " completely disappear '' from payment history making impossible to determine if one has already scheduled a payment or not!! Kohl 's Help Screens indicate that payments disappear for 24-48 hours!!
Per FAQ 's : " If your payment was made after XXXX XXXX Central Time, it may take up to 48 hours depending on the time of day it was submitted, before it becomes visible. '' This causes anxiety attacks due to lack of complete last of visibility into payments in full for thousands of dollars!!
Credit Card Message Center is broken after hours ( or all the time! ). Clicking on Message Center forces one to re-login on another session, one can never actually reach the Message Center due to this polish loop redirecting user to login again when trying to reach the message center. Message Center button is NOT disabled and has NO HOURS LISTED, to indicate that one can not message Kohls during certain hours. Phone Customer Service contact information also has NO HOURS listed, only after calling them is it revealed that you will not receive any help.
Kohls credit agents refuse to transfer you to a supervisor when asked. Please pull my phone long from XXXX / XXXX /17 for evidence.
Kohls credit agents are mentally challenged. The are incapable of following basic conditional logic such as : please check if I have a payment already scheduled. If I do, please do not schedule another payment. If I do n't, please schedule a payment for me.
I have NO IDEA what this agent did or did not do ( see ABOVE, regarding disappearing online payments/lack of transparency in viewing your scheduled payments, and inability to login to mobile credit app ). Please pull my phone log from XXXX / XXXX /17 for evidence. Basically I think this agent left me with NO payment scheduled causing me to incur both a late fee and interest charges after I specifically asked for help in scheduling an on-time payment in full over the phonel!!!!
Remedies : Refund my late fee and interest charges due to Kohl 's agent 's severe incompetence in completing the simple task of scheduling an on time payment in full!
Fire the Kohl 's agent due to payment service incompetence and refusing to transfer me to a supervisor.
Fix websites to make userid case insensitive per web standards. At a bare minimum, publish on all interfaces, so sorry, Kohls credit has a case SENSITIVE userid and you must abide by this. By the way, the Kohls.com shopping website ( My Account ) uses a case INSENSITIVE userid as per web standards, so Kohls applications are inherently inconsistent.
Fix the Contact Center button to actually take you to a place where you can message Kohl 's, and not into a dead-end polish loop. ( The may only happen after hours, or it may happen all of the time. ) Publish both Phone and Message Center hours. Do not force user down complex and time-consuming bunny trails only to discover that no help is going to be available.
Fix credit website to not make payments disappear, and not to describe payments as disappearing in the Help Documentation. Payments should always be visible always, in all of their statuses!!
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08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The companies receiving this complaint are inaccurately reporting multiple accounts and continue to do so although other consumer reporting agencies have removed these items and I have submitted proof that they have deleted these items as of XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies and I am the ConsumeXXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' CAPITAL ONE is a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to sub section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' So again CAPITAL ONE the financial institutions and the consumer reporting agencies XXXX and XXXX DO NOT have my consent to furnish any information. Furthermore XXXX, XXXX, and CAPITAL ONE, also DO NOT have my written consent. I have stated this in writing in the past and am doing so again now. Any and all consent to XXXX, XXXX, and CAPITAL ONE, whether it be written, verbal, non-verbal, implied, or otherwise, is revoked. CAPITAL ONE, also has never informed me of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As stated above this was never done, Furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, TRANSUNTION, and CAPITAL ONE are reporting an adverse item and again they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1861C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Under 12 CFR 1016.7 " A consumer may exercise the right to opt out at any time. CAPITAL ONE I the consumer again as I have in the past, I the consumer am opting our of your reporting services. CAPITAL ONE is also reporting income. A charge off is a certificate of indebtedness and is considered income under IRS Publication 4681. A certificate of indebtedness is income which can not be reported to a consumer report. A 1099 was filed by CAPITAL ONE to charge off, not only did they not send me my copy but they continue to report these items illegally.
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08/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I made a reservation on XXXX website for two rooms from XXXX at hotel XXXX XXXX.
On XX/XX/XXXX after take a cloes look at the hotel find out in little print that there is no A/C which I was ok with but that they have limited electric which means that even the fan in the room wont work when there is no electric in XXXX degrees.
I also understand after reding all the reviews that there no Wi-Fi and in order to charge your phone you need to go to the front desk, there is many hours that there is no electric in the hotel at all and in general that this a scam overall and nobody taking you serious in the hotel or XXXX I am XXXX yrs old that was traveling with my wife and my business partner that is why I paid for both rooms. we left our business, our kids back home and me and my wife as well as my partner relay on my WIFI in order to keep working and keep InTouch with home.
we are not young people who is looking to crash somewhere and dont care of the amenities.
we felt like we have been scamed and immediately contact XXXX since they are the one that charged us and representing the hotel.
after several failed attempet from them and me to reach the hotel and hours of chatting, emailing and holding on line with no resolution I decided to book another hotel, I also request to change the hotel to a different one instead of just canceling.
I was very worried to stay in a hotel that dont answer their phone or email even to the company that sell them.
so I booked another hotel from XXXX only to find out later they are the same company as XXXX and hope i can trust my credit card company to be fair.
I did get an email on XX/XX/XXXX, a day after I was already back from my vacation that the XXXX decided no to refund me even though I didnt even show up.
It was very funny that they finally decided to give me an answer.
My problem is not with the hotel, its with XXXX that represent them and charged me. I have no business with the hotel itself and I accepted from XXXX to be responsible for their false advertisement in representing the hotel.
I also request that you get all the communication I had with them including all chat, emails and phone conversation including the one that their representive claim I was right after checking the hotels description on their website comparing to the description on the hotel original website and not only the one they decided to send you.
I am doing a lot of business with you and expect you to be there for me when i need, I was only working with XXXX for years and transferred my business to your company trusting I will get the same service.
although I have several credit cards from all companies I always booked my travel from XXXX for that reason, I hope I wont get disappointed by your company in this matter.
I am attaching all the doucunments that i have and also reviews on the XXXX that clearly shows that they are fraud and I dont think a company like XXXX should sell, I did everything I can in order to cancel the reservation and even purchased a travel protection and learned that it wont help me in this matter.
hope you will get the right decision in this matter.
The total amount of the charge is : {$1700.00} after several attempt with XXXX and the dispute with the credit company and have the supporting documents they still decided to close the case.
the bottom line is that I did not get the service and I try to cancel within 24hrs and they kept postpone the answer back ( cause they could not reach the hotel on the phone ).
I let them know and they dont want to refund me, I understand if they charge me for the first night but why do i need to pay for a service i didnt get?
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08/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2021, an order was placed with my capital one card to XXXX When I was made aware of this purchase, I attempted to cancel the order on the same day. More than 24 hours later, the order was shipped and no response was made to my request of cancellation. There was no knowledge or awareness made of anything involving the refund policy with XXXX On XX/XX/XXXX, I had received and attempted to return the product so that I could get my money back ( {$72.00} to be exact, not a life breaking amount, but enough to turn my head ), once again, no response was given. In fact, from the entire time frame of XX/XX/2021 to today ( XX/XX/2021 ), there has been 0 response from XXXX to me clarifying anything on their policy or on my request.
On XX/XX/XXXX, I attempted to chargeback the original fee since there was no contact between myself or XXXX, and I had wanted to return the item anyway. ( Note : The item in question has never been opened, it has only been taken out of its package ). On XX/XX/XXXX, XXXX finally responded ... to Capital One. Clarifying what their refund policy was and that it was too late to cancel the shipment of the product. A statement that is ridiculous to me because they had more than 24 hours as stated both on their response and in my proof when responding to capital one with this.
When I had faxed my response to XXXX ' rebuttal to capital one along with all the information I had, it was initially denied. I imagined it was because I missed something. I have had two seperate conversations with a representative from Capital One. The first person I talked to on XX/XX/2021 ( XXXX ) had stated that because on their document and my proof that the request to cancel was made more than 24 hours before they actually shipped the item that I had this case. I was led to believe that there would be a successful conclusion after adding the extra documents requested. ( There wasn't. And I should never have been led to believe as such ) The 2nd phone call I made was to see about an update on this case number and if any actions were being made. XXXX and his supervisor, XXXX, had told me that because there is no 'proof of cancellation, ' they can not do anything ...
This despite the fact that there has been no communication from XXXX to myself in order to be able to make a cancellation despite my efforts to attempt to cancel the order before it was shipped and despite my efforts to be able to return the product. Their website remains closed as of today ( XX/XX/2021 ).
So because a company has made no contact with me, they can allow themselves to be in a position where there is no proof of cancellation so a credit card company effectively can do nothing and still charge me money. Even if on their response to the credit card company that an attempted cancellation was made more than 24 hours before. I find it ludicrous that this loophole is allowed to exist and is allowed to be exploited to prey on people less fortunate than I am. Simply because of unawareness or even exploitative advertising.
I have been led to believe that capital one had my side and would be able to help me and then in one fell swoop they had screwed me over because they needed a 'proof of cancellation. ' A piece of proof that XXXX has no reason to give anymore and will not initiate conversations with their customer in order to resolve this amicably. I have been pigeonholed into paying for a product that I never wanted and from the beginning either wished to cancel or return in that order.
Capital One has recorded both of my phone calls, and hopefully they can be reviewed for your investigation. The calls were made on XX/XX/2021 and XX/XX/2021.
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12/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
To Whom it May Concern : I recently pull my credit report in XXXX XXXX and I noticed there is a charged off amount of XXXX. Be advised this not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to you. I am requesting proof that I am indeed the party you are asking to pay this allege debt, and there is some contractual obligation that is binding on me to pay this debt.
Also, be advised this is my second attempt to request for validation. This is NOT a request for " verification '' or proof of mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also form you that if your offices have or continue to report invalidated information to any of three major credit bureaus ( XXXX XXXX and XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found or continues to report on any of credit reports by your company or the company you represent, I will not hesitate in bring legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTIOR DECLATION Agreement your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ( CAPITAL ONE AUTO FINANCE ) Any insurance claims been made by any creditor regarding this account.
Name and address of allege creditor.
Alleged account number.
Address on file for allege debtor.
Account of alleged debt.
Date of the original charge off or delinquency.
Date this alleged debt became payable.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for CAPITAL ONE AUTO FINANCE in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is completed and return with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for process after I receive this information back.
Best Regards
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08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
I am writing this complaint to inform you about my issues with capital one bank and my account. I applied to capital one bank in the month of XXXX and I was granted a credit line of {$1000.00}. I also added my daughter as an authorized user to to my account. We hadnt had the account, but for maybe three or four weeks when my daughter attempted to make a payment to keep the account in good standing all of a sudden the account was frozen, we could not use the account we could not access our information online. They shut us out of every aspect of understanding what was going on, we called I typically have my daughter do the talking because I am a XXXX citizen and its difficult for me to understand some of the technical terms and words and processes. They dont seem to like that very much so I dont get very far. However, they asked for several documents to verify that I am who I say I am, we said to them fair enough and so we sent them everything they asked and then after sending them everything they asked they wanted more documents. We sent them bank account statements we sent them paycheck statements we sent them communications with the bank account that my daughter try to make a payment with. She literally printed out the communication she had with that bank at capital ones request. We gave them a picture of our front and back drivers license. They wanted a copy of my Social Security card so my daughter had to order another Social Security card when she got it 10 days later she uploaded that card and they said they couldnt verify if it was accurate enough. To add insult to injury they have the nerve to charge us our monthly payment when we can not even access the account to see what we owe, where, and why. I literally have zero access. It almost became comical how blatantly rude they are as their customers and as consumers we felt as though we had no idea what to do. Theyre holding the card hostage, but I cant do anything else about it. To make matters worse, they have done something in regards to my credit in general as far as perhaps the bureaus go because any time I have a plied for credit after that event, I have had very difficult time getting credit now. Creditors have started treating me with suspicion and requesting our verifications and wanting to speak to me constantly Ive never had to go through this before never. I finally got a credit card with XXXX. I activated the card and I went to use the card and couldnt use it. I contacted XXXX and said I cant use the card. Somethings wrong. They said we put your card on restriction. We need to speak to you again. I said you spoke to me after I applied for the card what do you want to speak to me now for how embarrassing to get to the front of a line in a store and find out that my card has been shut off before Ive even used it, this is the way it has been going for me now ever since dealing with capital one this cant be right as a consumer, this is extremely unfair to put me in a light as though I am someone to be cautious about. I dont appreciate this and I want something done about it. Capital one has ruined things for me and they still will not release the card or cut it off. I told them if you dont want to release the restriction shut the car down, but no theyre just over there holding onto it. Ive talk to representative after representative different times of the day and I get absolutely nowhere. How is this OK and from what Ive her capital one is very notorious for this. This needs to be addressed because I cant be the only consumer who has felt punished by this so-called credit agency which has affected me being able to have good standing with other companies.
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06/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Capital One Bank is in Violation of Federal Law.
Capital One is in violation of 15 USC 1605. A financ e charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Capital One in fact took cash as shown in statements XX/XX/XXXX to XXXX XXXX. and ; Capital One is in violation of 15 U.S. Code 1666d. Capital One did not credit the amount of the credit balance to the c onsumers account for consumer credit transactions. Capital One did not refund any part of the amount of the remaining credit balance. and ; Capital One is in violation of 15 U.S. Code 1666a. Capital one reported a late payment to XXXX, XXXX and XXXX XXXX XXXX and ; Fact, affiant is a ware and has proof in the attachment labeled as Exhibit X that Capital One is in violation of 15 U.S. Code 1681b ( a ) ( 2 ) affiant did not give Capital One written instructions to furnish A consumer rep ort. and ; Capital One is in violation of 18 U.S. Code 1028A - Aggravated identity theft ( the Consum er Never gave authorization to capital one to sell my information and report ANY negative informati on to XXXX, XXXX, XXXX or any credit reporting agency. and Capital One is in viol ation of 15 U.S. Code 1692g Capital One failed to validate the alleged debt. and ; Capital One is i n violation of 15 U.S. Code 1692d. Capital One is harassing the consumer by threat of use of viole nce or other criminal means to harm the physical person, reputation, or property of any person. ca pital one negative information without authorization and is damaging the consumer/original credito r person. and ; Capital One is in violation of is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ). Capita l One did not disclose to the consumer that information will be reported to a third party. and ; Capita l One is in violation of is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). The consumer was not give n the opportunity to opt out before the information was disclosed to a third party. and ; Capital One is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( C ). The consumer was not given an explanation of ho w the consumer can exercise the nondisclosure option. and ; Capital One is in violation of 15 U.S. C ode 1681a ( 2 ) ( A ) ( iii ) .It was not clearly disclosed to the consumer that the information may be com municated among such persons and the consumer was not given the opportunity, before the time t hat the information was initially communicated, to direct that such information not be communicate d among such persons. and ; Capital One is in violation of 15 usc 1611. Capital One willfully and kn owingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. according to 15usc 1692 I do not own any debt because I am th e consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at th eir request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt transaction Dates XXXX throug h XX/XX/XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lend er, executor, administrator, holder in due course for any and all derivatives thereof for the surname/ given name XXXX XXXX XXXX XXXX XXXX XXXX and I have been appointed and accept being the ex ecutor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXXt and autograph as the agent, attorney in fact, so be it.
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02/01/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
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Web |
|
We have missed payments on car loan due to an extended hardship which includes ; family medical emergency which required relocation, job loss, and homelessness. We have stayed in contact with capital one auto finance and informed of our hardship and we 're working with them to re-establish a payment schedule contingent on our return to XXXX from XXXX where the family emergency happened. A relative was committed to a XXXX and the family needed XXXX. to work in XXXX and help with the day to day care and transportation of XXXX children left behind after commitment of family member. We just recently reestablished ourselves in XXXX and have been dealing with XXXX moving company to return our belongings that have been seized due to late payment. We have become employed full time and we 're in the process of reestablishing a payment schedule when the car was reposessed. We have made our payments successfully for XXXX years and had payed down loan to a remaining balance to less than {$3000.00}. The total loan was over {$26000.00} and our monthly payment is {$380.00}. The car is XXXX % payed off and capital one finance said they would work with us they have accepted our XX/XX/XXXX car loan payment and have still not returned our car due to a damage claim. The car was shipped to another state after repo and capital one could not find our car, once they found they agreed to ship back to XXXX but when we went to claim the car was in non operational. XXXX shift stuck in park. After repairs claim and liability was denied by capital one auto finance. As of XX/XX/XXXX our car has not been returned. A strongly worded adhesion contract was sent to XXXX XXXX to sign under dress in order to have capital one pay for repairs. XXXX XXXX is XXXX months pregnant and has had to rent cars or walk to work and stores for over XXXX MONTHS. Capital one is aware of the hardship injured by their delay to act and have promised to work with her. The balance on the remaining car debt has sky rocketed from {$3000.00} to over {$5000.00} within XXXX days in early XX/XX/2017. The balance as of XX/XX/2017 is now over XXXX dollars! Our bill has increased over {$7000.00} in less than a month. Capital one is using our hardship to attach so many fees that they can seize a car that has been XXXX % payed off. In the XXXX years that we have been paying off loan we have paid over {$4000.00} dollars in fees and penalties. In those XXXX years we have recieved only XXXX account statement from capital one auto finance and that was in XX/XX/2017. We have been and remain in the dark as to fees or iteams that have been billed to our account. We are asking that capital one auto finance give us a clear itemized statement informing us of our fees and loan balance. In addition all fees be removed from account and the balance be returned to original amount owed before repossession. Capital one auto finance has no license to operate in XXXX, according to Attorney General XXXX. They loan holder had removed our car to XXXX so that they could retain control of car and have now billed us for all illegal transportation and storage fees pertaining to car. We had filed a police report stating car had been seized illegally moved across stateline. They then informed XXXX. that she would have to travel to XXXX to claim car once she paid XX/XX/XXXX lease payment. We are asking that the car lease balance be reduced back to pre- repo amount, around {$3000.00} and that all fees and charges be dropped, as we are not liable for the movement of car from XXXX nor the damage that a curved while in the custody of capital one auto finance or the companies they employ to tow and transpoet/store car.
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11/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
I have been a satisfied customer of Capital One credit card products for many years. For several years I used one of my cards, which is branded Savor, for tens of thousands of dollars of expenditures in reliance on the companys promise that they would rebate a percentage of expenditures to me through the Savor Rewards program.
I have an excellent credit history, and as they confirmed to me on the phone this morning I have been an excellent t customer because I always pay on time and even use another branded Capital One credit card.
I tried to use my Savor card recently and found it blocked. I called customer service today to find out what was wrong and to unblock my card. It was explained to me that they supposedly wrote me a letter in late XXXX asking for additional credit information from me ( apparently they wanted to ascertain my current employment ), with a two week deadline before restricting my card. I would note that the other Capital One card I hold didnt require this information.
The only written communications Ive had with the company since getting the card have been through text or email. My bills are received and paid on-line and I literally get no communications from the company via regular postal services except for further solicitations of cards or services. I received no other form of communication in this case before my account was restricted ( their term for having an account with a card that is no longer valid and an inability to access my rebates or rewards ). It is not even certain that I ever received the communication they claimed to have sent. First, it was sent to my billing address which I have been unable to physically visit since the letter was written. I get my mail forwarded, but I have zero recollection of ever seeing a letter from Capital One requesting information and my offices mail room has no recollection of forwarding me such a letter even though they forward everything.
I have a credit balance on the account and over {$400.00} of rewards, and I learned from the customer service agent this morning that Capital One will refund the credit balance but that they will not compensate me for the {$400.00} plus of rewards earned by using their card. This seems like nothing other than an outright theft to me. Although the agents I spoke to on the phone were solicitous, they claimed there was nothing the company could do.
If this theft happens to someone doing business with them with another card and with a perfect credit history, I cant imagine what happens to others with a lesser credit history.
I dont care to ever do business with Capital One again if this is how they treat their best customers, but I do want my rewards refunded back to me as I relied on the companys agreement to effectively give me rebates in exchange for using their card in third-party transactions.
I would add that this is an extremely harsh penalty even if the facts were as they stated them - they supposedly mailed me a letter on or about XX/XX/2020 demanding answers by XX/XX/2020 or else my account would be restricted and I could no longer access any earned rewards! Its worth noting that Capital One always texts, emails and occasionally calls when they suspect fraud occurred on my accounts. Why did no one try to reach me using their standard communications methods before they caused me to forfeit over {$400.00} in rewards?
Thanks for any assistance. Again, if it happened to me with my excellent credit history, its not difficult to imagine this happens to others with other credit profiles.
I would add documents to review but there is no history of written communications between Capital One and me!
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05/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I made a mobile deposit of a check issued by my employer on XX/XX/2023. The information on the app stated that deposits are generally made available the next business day. After submitting the deposit the app told me that the funds would not be available for 7 days. I immediately called Capital One to attempt to cancel the deposit because had I been aware that the funds would take a week to be released I would have deposited the check to my XXXX XXXX account where I typically can receive the funds immediately. Upon calling I was told that there was absolutely no way to cancel the deposit. They said that the best that I could do is call back after 24 " business hours '' and that they should be able to release the funds. I was specifically told that I had to wait until Monday because they weren't open on weekends. I received an email later that day saying that the deposit had been successful- which confused me because that led me to believe that there was a mechanism that could have made the deposit unsuccessful which would have allowed me to take the check to my other bank. When I called again I was told that there wasn't any way that they could have cancelled the check. They said that had I been in a branch the teller does have a way within 15 minutes of canceling but that's not a possibility with mobile deposits. I then waited until Monday, XX/XX/XXXX to call and ask for the funds to be released. They initially said that I met all of the criteria and then got a supervisor to complete the release. After a few minutes, they came back on the phone and said that they couldn't release the funds. I told them that I had checked with my employer and that their bank had posted the check to their account on Friday and that they could easily call the bank to verify that information. They said that the new reason for the hold was that my name on the account did not match the name on the account. I told them that I had never had any issues with having a check made out to that very common variation of my first name. They have also never rejected a direct deposit from either of my employers both have that name on the paystubs for those direct deposits. They said that there is no way to fix it and that the check will be released on XX/XX/XXXX once it has been verified. I asked them what would be different between XX/XX/XXXX and XX/XX/XXXX because I am that person now and will still be that person on XX/XX/XXXX and the bank has already posted the check to their account. I told them that I have w2 's from my employers that I can provide, and I have a notary commission with the state of Florida in that name. They said that they will not be verifying any additional information and that I just need to wait for the funds to be released. It appears that at this point there is no valid reason for the hold. They have not provided me with any additional steps that they are going to take to verify that the name of the person on the account is actually the account holder and they have already accepted the funds from the bank that the check is written from. They are unwilling to do any kind of verification with any 3rd party to confirm the validity of the check or to verify my identity. At this point, there is no reasonable explanation for a hold to be in place since they do not plan on doing any additional verifications. They should not have accepted the deposit if they felt the name did not match the name on the account so I could have taken the check to a different institution or asked my employer to write the check to match the name as it appears on my account. I have recordings of the first two phone calls that were made to Capital One.
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06/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am, XXXX XXXX On XX/XX/XXXX contacted my Capital One Bank, regarding a dispute/case number # XXXX, asked to step in and find resolution regarding charge for goods I did not receive. But they are refusing to solve the problem. Turning case in a favor of merchant, who just tells my bank that item I did not receive, was delivered based on a tracking.
On XX/XX/XXXX I made a online purchase using Capital One QuickSilver credit card from XXXX in amount of {$51000.00}. Computer parts were ordered. Order number is # XXXX XXXX shipped my order without signature request and sent me an email soon that package was delivered on XX/XX/XXXX at XXXX when I was not at home. When I came home I could not find where exactly delivery person left my package or to whom it was given. That day my neighbors did not see any packages for me.
I contacted XXXX ( carrier ) directly trying to find where my package is, but they were unable to assist me telling to contact online store directly.
I contacted XXXX, mentioning I never received goods I paid for, asking to help and to find out where my package is. XXXX states that it was left outside on a porch in front of our main entrance door.
On XX/XX/XXXX, at the time when a first call to XXXX was made customer support was unable to provide an option for replacement because one or both items were out of stock and they opened a package search claim for me. Representative also mentioned that I will receive a full refund most likely. Please review attached copy of the email they sent me. All my calls with them were recorded.
Meanwhile I went to XXXX precinct, our police department and asked to step in. Filed forms with them and later received a police report by mail.
On XX/XX/XXXX XXXX sent me an email Resolution Regarding Your XXXX Claim # XXXX where they wrote things making no sense for me : This email is in reference to your Claim # XXXX. We have reached out to the carrier and filed a lost claim on your behalf. After a thorough investigation, the carrier confirmed that the package was delivered to the correct address on the order on XX/XX/XXXX and left at front door, therefore the claim has been closed as denied. We are sorry but we are unable to further assist you with the claim at this time. Thank you for your understanding in this matter.
I called XXXX again and opened a dispute with them, which was closed as well. Their support team member kept repeating that tracking shows package delivered. They dont have any further proof where exactly package was delivered or to whom my package was given.
On XX/XX/XXXX XXXX sent me another email with attachment where XXXX gave a false fraudulent statement to XXXX about Receipt of the above shipment has been acknowledged by XXXX XXXX : Here is the document from XXXX stating the package was delivered correctly. Thank you for your understanding in this matter. With attached pdf file named it XXXX I never informed/confirmed to XXXX about receiving a package. This is a false statement. When XXXX called me about this package I confirmed them that I did not receive it.
Nobody signed for the package.
Also I am not the person who picked XXXX as a shipping company. When online order was made through XXXX there was option free shipping, but no further details. Later XXXX tracking was added.
On XX/XX/XXXX I opened a claim with Capital One bank regarding issues with this online purchase. From the beginning I never mentioned to XXXX nor Capital One representative that wanted to cancel my order.
Capital One received from me all emails where I tried to solve issue directly with XXXX and police report, but denied them all and closed claim and dispute too.
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02/24/2017 |
Yes |
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Web |
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Few Months ago we were shopping at the Saks fifth ave store the sales Rep., convince us to open a store credit card to save more money we did open one which is managed by Capital one for me and one for my wife we shopped there few times we got a couple of statements we paid them on time as we usually do sometime after the last received statement we got a letter from Saks Fifth/Capital one reminding us to pay the balance due when we checked our bank website we found out the statement in questions was paid by check number XXXX dated XXXX/XXXX/2016 but the check status still open we called them back stating the check was mailed to them on XXXX/XXXX/2016 by our bank they informed us they have no record of this check and they need to receive payment for the statement we contacted our bank which they contacted Capital one after our bank contacted Capital one they end up by depositing the check and then we thought the issue is taken care of but again we received another letter stating we have a past due account we contacted them again they informed us they never received payment for the account they sent the first letter about we contacted our bank our bank informed us that the check was deposited into Capital one account and provided us with a copy of the check back and front confirming that the check received and deposited into capital one bank account we contacted Saks/ Capital one back they stated they still show the account past due and we still owe a balance they advised us to check with our bank on what we should do we contacted our bank again the bank advised to stop payment on this check and get the money back from them and issue them another check for the balance due to get rid of this problem Capital one did agree on waiving any late fee or finance charge because they know the problem was not from our end we got the money paid back and we paid Capital one the balance due but we were very distributed by this issue as the check was mailed on time with the correct account number written on even though some one crossed out our account number and hand written it again they cashed the check and they deposited into their bank account but they still claiming they did not receive no payment from us so we decided to close both accounts to avoid any future hassle and we though the issue has been taken care of few months later just recently i was applying for a loan and i was informed that my credit score is very low due to someone reporting me paying late for more than 90 days that was a shocking news to me as I do have a very good credit score and I always pay all of my bills on time after I investigate that problem for days I found out that Capital one is reporting me late on a payment they received on time and they cashed the check for it with my account number written on it but they never credited my account plus they kept my check for longer than what they should as the check date is XXXX/XXXX/2016 and it was mailed by my bank not me. today I missed a call from Capital one i spent more than four hours trying to reach the person who called me that was unsuccessful as it seems they are outsourcing their business to XXXX which explain a lot why they kept the check for so long and then deposited it and credited the wrong account for it i was told they can not find me anywhere in their system, as a result of Capital one reporting the wrong information about me my credit score went down to XXXX my loan application is declined which will affect my business badly and this is not fair to me attached you will find a copy of the cashed check back and front and a copy of my credit score. Thank you for your help in this matter
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08/02/2016 |
Yes |
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- Closing/Cancelling account
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Web |
|
I applied for a secured credit card with Capital One. I was approved and I initiated a deposit much higher than requested for a larger line. During the deposit process, their system went down and when it came back up it did n't confirm that the deposit had gone through, so I started over and did the whole process again. This time it gave me confirmation and I thought all was fine. Well, come to find out after the fact, the first deposit went through so they had it twice. Should n't be a big deal, right? Wrong ... .I contacted them and told them of the issue and was told that once they have the funds they ca n't return them if I want the card. The said if I wanted the funds back I 'd either have to totally cancel the card or I could go to my bank and put a stop payment on XXXX of the deposits. So, that 's what I did ... I put a stop payment on XXXX of the deposits. Instead of correcting the situation it only made it worse. When I received the card, I called the number on the front to activate it and was immediately kicked over to the fraud department. They proceeded to tell me that there was now a problem with the card because of XXXX of the deposits being returned. I informed them that was what I was instructed to do. They said that someone in the backroom was handling it and they would send them an e-mail to call me. I never received a call so after a few days I called again and got the same story but asked to speak to a supervisor. He said there was nothing he could do that it was being investigated by the " magical '' back room '' and they would contact me. Again, no contact other than a letter stating my credit card line had been decreased in half because of a partial return of deposit which was correct. Since I received that letter I thought all was fine ... .wrong. I activated the card and tried to use it and was declined. I called Capital One and they informed me the account was closed. Huh ... what? so I asked to speak to a supervisor and after going round and round with her for 30 minutes was told they had sent my other deposit back and the account was closed. I told her I had n't received the funds back which she confirm with Capital One bank. I told her all I wanted was a credit card so transfer my information to a new account and take the deposit again. She told me that could only be decided by the " back room '' and they would have to call me. XXXX from the supposed " back room '' called back 3 days later and said there was nothing that can be done and if I wanted a new account that I could apply. That sent me into a rage ... I told her I did n't want another inquiry on my account and she said that 's the way they process .... ( IT 'S A SECURED CARD ) where 's the risk anyway? She proceeded to tell me this was not their mistake and that I caused the whole incident by stopping a payment on XXXX of the unauthorized deposit debits. What a XXXX that 's the instructions they have given me ... I asked to speak to someone over her and she refused stating she did n't have to give me anyone 's name to discuss this with. She kept telling me to be professional which only incited me more as she kept reading her script. So now, I have no credit card and I have yet to receive my XXXX deposit back which they mailed. Why would they mail it when I bank with them? They act like they 're not part of the same organization. These people are arrogant, condescending, and have no clue how to rectify a situation that was caused by them twice, once with their system going down and then the second time when they told me to put a stop payment on XXXX of them. If you 're looking for a secured credit card then avoid these folks.
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05/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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In connection with CFPB Complaint Case : XXXX and XXXX My name is XXXX XXXX, a federally protected consumer, and I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for taking adverse action against me , with forethought and malice, by closing my XXXX XXXX account, ending in XXXX, without my permission which is unauthorized use. I am a shareholder of this account and have a security interest in it as well, so this account should not have been closed without my consent of which I never gave. I am aware that a credit card in accordance with 15 USC 1602 ( l ) of the Truth in Lending Act means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ; making my social security card a credit card. I also am aware that a finance charge was included in this open-end consumer credit plan that was initiated when my social security card, which is a credit card, was run by your company. I understand that in accordance with 15 USC 1605 ( a ) a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Any charge that includes a finance charge should not include cash and anything that I have received under my social security card is XXXX XXXX XXXX XXXX 's obligation, not mine. XXXX out the remaining balance of this account. In reference to the account ending in XXXX, I never disputed the ownership of this account. This account is listed as a charge off on my consumer report and this is false and misleading. I am aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " the writing off of a debt and termination of collection activity without release of personal liability. '' I'm also aware that once a debt is cancelled, it becomes gross income. Pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtness. Was a 1099-C filed on this account? If so, I have never received one. I'm aware that a 1099-C must be mailed to consumers by XX/XX/XXXX of the following calendar year in which the identifiable event occurs. If XXXX XXXX XXXX XXXX mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves that I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.
If XXXX XXXX XXXX XXXX has filled out a 1099-c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I am aware and I am invoking my right as the consumer to demand the money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions.
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial rep
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02/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
[ XX/XX/XXXX ] ( {$3000.00} ) I submit payment on my credit card ending w/XXXX
[ XX/XX/XXXX ] ( {$3000.00} ) I receive an email claiming my payment was successfully posted.
[ XX/XX/XXXX ] ( - {$3000.00} ) Payment bounced. I found that odd cause my account had more than enough money to cover, but these things happen.
[ XX/XX/XXXX ] ( {$3900.00} ) I submit another payment on my credit card after double checking I had enough money yet again.
[ XX/XX/XXXX ] ( {$3900.00} ) I receive an email claiming my payment was successfully posted.
[ XX/XX/XXXX ] ( $ XXXX ) This also bounces and I'm thoroughly confused.
[ XX/XX/XXXX ] I receive an email stating a transaction was declined because I was about 3k over my credit limit. This email claimed I owed a total of {$8200.00} -which was absolutely not true! Logging, I see I actually owe about {$4000.00}. Go to make a payment again and realize the last two times I clicked the wrong bank account. I take full responsibility for this mistake, that account did not have the funds needed.
THAT SAID, I never went over my credit limit NOR was I late on a payment. While I should pay more attention, no harm was done. A few automatic processes and capital one faced no effective damage from my negligence.
All and all I thought 'no big deal ', make the payment in full from the right account.
[ XX/XX/XXXX ] Later that day, I get an email saying they have closed my account. I called to figure out why and they gave no further information other than noting they did receive the latest payment. The service rep was clearly busy so I let him go without much ado.
[ XX/XX/XXXX ] Next day, I call again and they are less busy. This agent mentions they closed the account due to the bounced payments. I ask about my rewards balance. I had just shy of {$200.00} in rewards cash I'd yet redeemed. How are they paying that back? To which the agent told me they do not payout rewards cash when accounts are closed due to fraud.
How they have been defrauded, I'm unsure. I gained nothing from my mistake and they lost at most a few server processes worth of electricity. Beyond that, let 's say someone actually committed fraud on my account, this would suggest I would still lose out the rewards cash. Capitol one has complete control to claim 'fraud ' anytime they feel like recouping some rewards cash with this unbalanced power.
I have the front line agent escalate to a supervisor who then escalates to someone that will take action in up to five business days and I would have to call again to know what their resolution would be at that time. Seeing as either I'll have {$200.00} refund coming or not, waiting on hold for the call center a third time is pointless. Almost by design...
Speaking of malicious design, it was hard to find out my remaining rewards balance. The regular options to view/spend the credits where either missing for loaded an error page. Lucky for me, you can ask the 'virtual assistance ' bot about rewards and that still works. Likely an oversight and shady practice to hide in the first place.
I register for a new card with the same company, am immediately approved, and the new account is fine to this day. So clearly, capital one is fine with having me as a client despite my 'fraudulent ' actives and taking my money under the guise of fraud is a farce.
[ XX/XX/XXXX ] Unrelated to the above, I had a charge refunded which causes my final balance on the account to be $ XXXX. I called to see when they plan on paying that back and they said 60 - 90 days. So they have three months leniency and I'm penalized for trying to pay a debt two weeks before it is due.
|
05/16/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
On Friday XXXX/XXXX/2016 I tried to withdraw cash from an ATM with my Capital One CC to no avail. Contacted their CS XXXX # and realized I was entering wrong pin #. This was after 3 failed attempts. Then entered correct # but ATM refused to accept. The establishment we were at agreed to advance {$20.00} on a tab. I was attending a charity fundraising event and needed cash to tip performers. When I attempted to close my tab Capital One had frozen the acct for possible " fraudulent activity. '' I then contacted CS again ; they transferred me to the Fraud Dept where I s/w XXXX at approximately XXXX A.M. After giving ALL my pertinent security info ( SSN, DOB , address/phone #, security code, etc ... ) I was then asked XXXX different security questions RE addresses I have been associated with -- -some I 've not lived at in over XXXX years including my grandparent 's address where I never lived! The Fraud CSR, XXXX had an apparent XXXX accent and was difficult to understand. Due to my XXXX, XXXX, we had the entire conversation on speaker phone. My roommate/caretaker was talking on my behalf. This created deep concern on XXXX part ; to say the least her accent, my roommate 's impatience and mutual confusion caused the situation to escalate. XXXX informed me that, despite following every security procedure successfully, I would now be required to submit my ID via email link/fax to further verify my identity.
To say the least it was HIGHLY EMBARRASSING & DEHUMANIZING to deal with all of this and NOT be able to pay my bill! Earlier in the month, XX/XX/XXXX & XX/XX/XXXX, I had made two {$100.00} payments - XXXX of my monthly XXXX limited income. To say the least money was on the acct and I 've done my best to be a responsible customer.
Within one hour of receiving the email link I submitted a scanned copy of my XXXX state ID. I immediately called CS & s/w XXXX, a senior Fraud Dept Mgr, at XXXX He verified that my emailed copy of ID was received. However, it would take 72 business hours for the ID to be verified before a decision could be taken to resolve the blocked CC. I expressed my DEEP FRUSTRATION & ANGER and this was completely unacceptable.
On Saturday XX/XX/XXXX I called Capital One CS Dept again. At XXXX I s/w XXXX and expl 'd the entire previous night 's events and that I demanded immediate resolution since EVERY security precaution had been followed and request for info/documentation had been complied with. I was then transferred to Senior Fraud Dept Mgr XXXX at XXXX Once again I relayed the entire previous XXXX hours events, demanding immediate resolution. He graciously explained regret but that their system could not be circumvented by any human and I 'd have to wait the XXXX business hours for any resolution.
Today, Monday XX/XX/XXXX, I called Capital One corporate HQ in XXXX and demanded to s/w CEO XXXX XXXX or his administrative assistant. I was transferred to their Executive Consumer Resolution Dept in XXXX where I s/w XXXX at XXXX CST. Once again I relayed the whole story. She was very gracious, empathetic and patient. XXXX explained that this event would be " red flagged '' but could take up to 3-5 days before I might receive a call back.
In the meantime I 'm still unable to access MY funds while needing to obtain Rxs and pet food for my animals. THIS IS COMPLETELY UNACCEPTABLE!!! I 've followed EVERY security procedure and identity verification!!! IT 'S SAD AND DEPLORABLE when there is no procedure in place for human beings to override computerized systems in a verifiable special circumstance when the consumer meets EVERY requirement and is still punished for no fault of his/her own!!!!!!!!!!!!!!!!
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02/09/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
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Web |
|
My wife and I opened a joint savings account on XXXX XXXX, 2015, seeking to take advantage of a bonus offer that we received from Capital One via e-mail. The offer we received via e-mail is at the following URL XXXX When we received this e-mail, we had been looking at other savings accounts at other financial institutions. This offered the best bonus, and we decided to take advantage of it. To make the qualifying deposit, my wife transferred funds from her personal savings account at another financial institution to my checking account at the same financial institution. We then opened the joint account at Capital One, and we transferred my wife 's funds to that account, again, seeking to take advantage of the offer that Capital One had e-mailed to us.
After some time, we realized that the {$300.00} cash bonus that was advertised in the offer had not been deposited into our joint account. At that point, I called Capital One to inquire about why that was the case.
I spoke with XXXX customer service representatives and XXXX managers, all of whom told me that because I already had opened savings accounts at ING Direct that my wife and I could n't take advantage of the bonus offer. When I asked if my wife could then open an individual account and receive the bonus, they told me " no, '' indicating that even though the offer is still valid that my wife had become ineligible because she was now a joint account holder with me.
My wife never had a savings account at Capital One until we opened this joint account. We saw the ad that Capital One e-mailed to us, and we relied on that ad to our detriment. My wife transferred {$30000.00} of her own money to the account when there were other bonus offers at other institutions available, and we did so because Capital One 's ad did not in any way make clear to us that we would not be eligible for the bonus reward.
Capital One 's customer service representative gave us the URL ( included above ) showing the e-mail ad that we received. Even looking at the ad again, after they told me that we were ineligible because I had a individual savings account that I had opened at a predecessor institution, I did not see any indication that we would be ineligible. The representative had to point out to me the fine print at the bottom of the page that I had no idea was there because nothing in the body of the ad suggests that there are additional eligibility restrictions. Specifically, at the top of the ad there is the bold " Here 's how it works '' section, and there is nothing anywhere in the body of the webpage to suggest anything like " See below for eligibility requirements '' or something to take effect - nothing directing me to the fine print that has the additional requirements. How could we possibly know, based on the body of that webpage, that there were those additional requirements and thus that we would be ineligible? There is no way we could have known that.
This ad is unfair and deceptive on its face. Even reading the hidden " What do I need to do to get my bonus '' in the fine print at the bottom of this page ( and, really, how is that supposed to be different from the " Here 's how it works '' section? These should say the same thing! ), does n't tell me that we, as joint account holders, would n't be eligible for a bonus because I, individually, opened a savings account with ING years ago that Capital One assumed when it bought ING.
After the phone call with Capital One 's CSRs, we each e-mailed Capital One requesting that they honor the offer. Capital One denied our request, simply indicating that we were ineligible for the reasons that they had already stated.
|
12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions 15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to inform you about these late payment entry on my credit report, as reported by XXXX. This late payment entry is inaccurately affecting my credit history and has a negative impact on my creditworthiness.
remove transaction : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I am herby requesting all above disclosures required by Federal.
Yours Truly XXXX XXXX, ( All Rights Reserved ) In accordance in the fair credit reporting act this creditor has violated my rights.
15 usc 1681 section 602 : I have the right to privacy 15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions 15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am writing to inform you about these late payment entry on my credit report, as reported by XXXX, XXXX XXXX, XXXX. This late payment entry is inaccurately affecting my credit history and has a negative impact on my creditworthiness.
Creditor Name : Capital One Account Number : XXXX Date of Late Payment : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I believe that this late payment entry is incorrect for the following reasons : Provide a brief explanation of the circumstances that led to the late payment. Include any relevant information, such as payment made on time, communication with the creditor, etc.
If applicable, include any documentation that supports your claim, such as payment receipts, confirmation emails, or correspondence with the creditor.
I am requesting a thorough investigation of this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that it is the responsibility of XXXX to ensure the accuracy of the information on my credit report. As such, I kindly request that you : Conduct a comprehensive review of the late payment entry and verify its accuracy with the reporting creditor.
Provide me with written updates regarding the status of the investigation within the timeframe required by law.
Remove the inaccurate late payment entry from my credit report if it is found to be erroneous.
I am fully aware of my rights under the FCRA, and I am committed to ensuring the accuracy of the information on my credit report. I request that you provide me with a free copy of my updated credit report once the investigation is complete, reflecting any changes made as a result of this dispute.
Please consider this letter as a formal notice of dispute as required by the FCRA. I expect that you will handle this matter promptly and efficiently, in accordance with the law.
|
02/15/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX 2016, at around XXXX, I signed into my Capital one 360 checking account because I was filing my taxes and wanted to verify and insert my account number so that my tax refund will be direct deposited. I noticed that {$2500.00} had been withdrawn from my account that same day. I called the bank at XXXX XXXX and reported the issue. I told the representative I spoke with that I am not the one who withdrew the funds in my account. The representative advised me that he will stop all withdrawals from my account and open an investigation. I told the representative to hold on while I transfer {$120.00} into my joint account so I can use for gas while they investigate. The balance on my account before the withdrawal was about {$2600.00} and at this point, only {$39.00} was left in my account.
I received a call from a representative in the investigation team the next day XXXX XXXX 2016. The representative asked me a few questions to confirm my identity. The representative asked me about XXXX deposits I made on XXXX XXXX and I confirmed that I made those deposits. The representative then told me that the person who made the deposit on XXXX XXXX was the same person that did the withdrawal at a Capital one bank in XXXX XXXX, XXXX. I told the representative that what she is telling me is impossible because I am in XXXX and I have been home the whole day with my father and children. I requested the video and the representative informed me that the bank will not be giving me the video and that I will need a detective to subpoena the video. The representative requested that I go give a police report and go into a branch, scan and send my drivers license by email. I did. This was a very stressful and painful process for me and the representative made me feel like the bank was partnering with the identity thief who withdrew the money from my account. I requested that a different representative should be assigned to my account and case.
On Tuesday XXXX XXXX, 2016, I received a call from another representative who notified me that the bank has finished its investigation and concluded that I am the one who withdrew money from my account. She notified me that the bank will close my account and send me a check by mail. I was very frustrated and did not know what to do. I went online and was searching for resources that could help me. I was late on all my bills, my credit was affected, I received late penalties for my bills and was feeling very sick from XXXX and confusion. I finally called the State of XXXX Attorney General 's office and spoke with XXXX who was very helpful. He gave me some helpful links to report the issue and sent me information by email and mail on what to do in the event of identity theft.
I am very disappointed in Capital One bank and the whole process. They really made me understand that they do not care about their customers. I checked the bank website and came to know that the XXXX XXXX XXXX in New Jersey opened at XXXX on XXXX XXXX and I called the bank from XXXX XXXX at XXXX XXXX on that same day. It takes 3 hours or more from my home in XXXX to the XXXX XXXX branch in XXXX, which means it is impossible that the person who withdrew the money from the account was me, even if the withdrawal happened at the same time that the bank opened. I requested a confirmation from my phone company, XXXX, and it is being attached with this report. I am also attaching the police report and the email I sent to the investigations team. Capital One Bank should apologize to me, refund my money and compensate me for the pain and suffering they have put me through. Please let me know if you have any questions.
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11/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX at XXXX XXXX, I called ( XXXX ) XXXX in effort to find out why I repeatedly receive harassing phone calls and text messages from ( XXXX ) XXXX which resolves as an unreachable number.
The first point of contact was a woman who said this is an effort to collect a debt and the call will be recorded. I agreed to listen to her and find out the reasoning behind the daily harassment. First, she said I had an old CapitalOne credit card account that is delinquent. When I told her I actually have very good credit with over 5 years of 100 % on-time payment history and nothing in collections on my credit report, she told me to hold and she would verify. After a brief wait, I was then totally abused by some extra-ghetto talking unprofessional guy who claimed to be the manager of the litigation department of this company. He stated things like " you should pay your XXXX bills '', " you should know not to run up all yo credit cards and not pay them '', and so on. The killer is : this guy says that he doesn't know or care what the original woman I spoke with when I CALLED THEM said about any CapitalOne account - he was yelling at me in reference to an XXXX XXXX XXXX account from years and years ago, who has in fact been sued by the state of Georgia for fraud and I received a cash settlement from as part of a class-action suit! ( I don't owe them a XXXX either, by the way ). XXXX is the name of the company of which I am speaking. I just called and spoke to another woman who would not give me a name in effort to get the company name. She once again confirms the matter has left their office and is going to litigation for an unresolved debt matter with CapitalOne - nothing about XXXX XXXX XXXX once again. I have researched XXXX : *XXXX XXXX XXXX XXXX or XXXX is a third-party collection agency based in Oklahoma . XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper conduct or sharing of information and failure to verify debts. * If this is the actual company responsible - I beg for your assistance in getting these people to stop with all of the harassment. Researching the various phone numbers online and researching the various names from voicemails left by them, like XXXX XXXX for example.
I responded to the following voice to text message received XX/XX/18 @ XXXX XXXX EST : " Hello this is XXXX XXXX trying to reach XXXX XXXX XXXX in regards to a formal complaint that's in the process of being filed this morning for several different matters. I am calling to verify that we do have the correct address for this individual. The next step will be filing necessary paperwork within your county at this time you do have the right to contact the information '' ( END ) I called and got the info I started with today in response to this morning 's voice to text message received at XXXX XXXX EST : " This message is for XXXX XXXX XXXX. ( Robo-voice ) I'm contacting you from the process division. I received a order for you it looks like two pending charges now fortunately because I've been unable to reach you at your place of employment and also at your residence. You have the right you can contact the client to resolve the case voluntarily. Understand when '' ( END ) I asked the woman I spoke to for an account number or any contact information for the original debtor and she said now the file is no longer with them since it was filed this morning due to REFUSAL TO PAY? Today 's call with the aforementioned woman mysteriously dropped after I told her I am filing a complaint with consumerfinance.gov because I don't owe anyone referenced anything.
|
08/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX at XXXX am I made an airline reservation through Capital One Travel for a flight that was to depart from XXXX XXXX on XX/XX/XXXX at XXXX and return back to XXXX XXXX XX/XX/XXXX at XXXX XXXX for two passengers XXXX and XXXX XXXX XXXX A few hours later that same day, our family received news that a loved one had passed away. Due to the unexpected death of our loved one our trip had to be canceled. That same day XX/XX/XXXX at XXXX XXXX literally 5 hours later I successfully canceled the flight through Capital One XXXXvel app. According to Volaris cancellation policy For bookings made in the last 24 hours, you may request a refund to the original payment method in My Trips. ( Attached to these documents you can find a screenshot named Cancelation policy ). I did just as the cancellation policy stated, I canceled through Capital One Travel and requested a refund on My Trips. Immediately after I successfully canceled and requested a refund through My Trips I received a confirmation of my cancellation on XX/XX/XXXX at XXXX pm stating We inform you that the reimbursement for your cancellation on reservation XXXX has been processed to the original form of payment and will be reflected on your next statement ( see attached XXXX called refund confirmation ). In addition to this I took a screenshot of when I actually canceled the flight and it states Reservation code XXXX Your refund has been done and the payment options used and it should be in your bank account the following days. ( See attached successful flight confirmation ) I have filed multiple appeals through Capital One in regards to this issue, and although it is a service that is offered through Capital One, I was told by them that they could not help me and I needed to go directly to the airline. I went directly to the airline and after exchanging multiple emails with them attached is their response. According to XXXX XXXX a representative from XXXX states We have validated your request and verified that your refund with the reservation code XXXX was already issued successfully on XX/XX/XXXX. If you have not seen it reflected yet, you must validate with your bank for withheld balance. ( See attached reimbursement in XXXX ) I have spent COUNTLESS hours on the phone attempting to resolve this issue. I contacted Capital One again on XX/XX/XXXX and they again stated I needed to re-open and submit a claim along with providing all the documents that reflected the cancelation of my flight. I did for the millionth time. On XX/XX/XXXX I received an email from Capital One stating " We have a limited amount of time to reverse a charge on our customers account 's. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future please let us know within 60 days of receiving the statement that shows the disputed charge ''. This response basically proves that I was entitled to my money and the transaction should have been reversed this entire time since XXXX, but for what ever reason it wasn't. One of the biggest issues I have with all this is that I, as the consumer, have been on the phone countless hours since XXXX fighting, proving and explaining that I am entitled to my money. This is a service that Capital One offers and they have taken XXXX accountability to help resolve this. I have been submitting the exact same documents to Capital One every single time they request them from me. The documents have not changed and after all this time they finally get back to me saying " we have 60 days to credit the money back to your account and it's not too late to do that ''. Please help me with this issue.
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05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) XXXX XXXXt as otherwise provided in this section, a consumer reporting agency XXXX XXXX the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO XXXX OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me.
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04/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
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|
Web |
Servicemember |
There is not privacy with Capital One ( CO ). I have reached out to CO regarding this lack of privacy and security but the final answer is that they cant do anything about it.
Customers are very concerned due to the fact that CO is providing balances information via the automatic system as long the unrelated person to the account knows the SS # and Last four of an account number when calling the automatic services XXXX and selects Balances. This is happening and we have witnesses. In the matter of fact, a CO representative is capable of looking our accounts and start calling to get our balance from our business and personal accounts.
A CO representative that answered my call on XX/XX/2020 at XXXX XXXX said that why it is an issue if someone else get the balance, that person would not be able to do anything with it. I told that representative that how ridiculous his statement was and so finally I got transferred to someone from the security department that also cant do much about it because it is a real issue that Capital One already know having.
If my information gets to the wrong person and that person would come to my house to demand knowing that I have x $ in an account so will XXXX my family if I do not provide the money, then what Capital One would do to support and help my family when they are the reason in the first place that a criminal knows my balances?
This is a huge SCOPE OF VULNERABILITY. Many companies have our SS and last four of an account with Capital One due to either direct deposits, payment withdraw. etc We also bank with another bank and when calling the automatic services for balances, it requests a pin number before proceeding with the information, a practice that tell how the other bank cares to provide security to their members. Why cant Capital One implement the same security? Will Capital One resolve this issue before goes out to the News so that every client is aware of their vulnerability having accounts with Capital One?
Today XX/XX/2020 I asked of my neighbor to allow me use his cellphone since it is a number not related to any of my sons and I accounts. I added my sons SS and one of the last four account number I knew he has ; there the automatic system gave me information of all of the last four of all of his accounts and then the balances. I called CO representative at spoke with a representative from the Security Department, Mr. XXXX, where he confirmed that it is nothing they can do about adding another privacy ( Pin or Key word ) to the automatic system. Mr. XXXX asked of me to go and change my social security number if I am concerned. The news should let all COs customers the lack of privacy they have with CO ; I got a letter from CO about a change I made with the account and in the letter you read a print that read WE TAKE YOUR SECURITY AND PRIVACY VERY SERIOUSLY .. this is incorrect, CO is actually the reason our privacy has been violated.
Of course, we will close our CO accounts but the process will take about 3 months due to the fact that all business are linked to our CO accounts. In the meant time, we have couple of people checking our balances and hopefully will not be giving to a wrong person to act on our lives or kidnap our child for little money that might means more to them.
Customer Services Capital One calls made : XXXX : XX/XX/2020 XXXX : XX/XX/2020 XXXX : close the call on me XX/XX/2020 XXXX : Transferred me to XXXX then transfer to Mr. XXXX, Security.
Capital One case # to stop the automatic system giving out information : XXXX XXXX : Ticket : XXXX XXXX XXXX : Ticket : XXXX Looking forward to your help, XXXX XXXX and XXXX XXXX XXXX XXXX
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10/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
To whom it may Im really upset and mad and feel rejected by capital one credit cards.
I am currently experiencing a very hard situation financially due to that my family whom is my daughter and my first wife live im XXXX texas and were impacted and hit by the hurricane harvey in the state of XXXX tx. There home was destroyed the roof was destroyed and they lost ll of their home furniture clothes food all the home furniture was destroyed and cant go back there until the owner get the help from the insurance and fema.
fema denied help to the owner and the home insurance is only giving an amount of money to he owner but it isnt enough to repair all the damages on the house and also not enough to have the owner buy all the total loss of the furniture and clothes food etc. My family lost everything and now currently living in a shelter for a period of time but they only get limited food and things that they need. It is not a lot of help is very limited.
i was there a few days ago and cried as i saw everything they going thru. Eventually they need to start all over again.
I was promised Help at first from capital one but than no changes were made. Not if im not current. In other words they stop helping me because they have help me in the past. And now there not able to. I know they can. I understand its a proccess they need to follow im not dumb.
But times like this is when us customers need them to help us out, a representative once told me that it didnt matter how many times u are under water and are in situation and circumstances like this we would get help, that capital one was there for us always.
I explained my situation to customer service representative, and than i got transferred to an account specialist to supposely help me with my concerns.
The regular representative was Much nicer than the account specialist, sometimes there nicer than a supervisor, or manager, Capital one denied me help for all of my XXXX capital one card ending in XXXX I also told them if they could put a stop to avoid getting more fees such as late fees they did that before and it help, they also have help me before, why can they help me now wheni need their help now i am currently experiencing a short term financially with money this is the reason why i havent made payments because i sent the little money i had to help my ex wife and my daughter who live in XXXX tx, they currently living in a shelter but there is not that much help it is very limited.
the lady was very rude and sounded like if she was a XXXX person against XXXX or XXXX, i dont know why capital one always says there here for me and that would help with my accounts but wen disasters happen or any other emergencies comes they reject you.just because u were help before, so they close the doors to you, even wen u explain why.
i am very hurt to find out that in situations like this i would get no help and get rejected.
I been with capital one for years, im sad.
So just because i was help in the past i cant get help anymore, that is what the account specialist made me understand.
And specially on situations like this XXXX.
I hate wen they tell you that they are here for you and they lie i wss promise late fee wavers for the past XXXX or 3 months and interest charges to help me get caught up with all of my XXXX accounts, it makes me feel like capital one only cares about people money and not the help they say they will get.
My priority is to get back on track with all my XXXX accounts soon or later as fats as possible.
and get the help i need. Moment like this is when us constomer feel welcome. And feel pround to be a customer of capital one.
|
04/17/2016 |
Yes |
|
|
|
Web |
Servicemember |
On XXXX XXXX of XXXX I realized I missed my XXXX payment which was due on XXXX XXXX. Prior to this I had NEVER missed a payment but dealing with XXXX XXXX, I forgot. I called Capital One IMMEDIATELY and got an offshore rep. She was kind enough to waive my late fee for XXXX ( since the XXXX payment was n't due til the XXXX, there was no late payment for that month, at the time the bill was {$65.00} ), she said with the credit for the late fee of {$25.00}, my payment due would be {$40.00}. I decided to pay an even {$50.00}. I asked the rep numerous times if this payment brought my account current through XXXX since the bill also included my XXXX payment and she said YES.
I had to leave XXXX for my family members ' funeral and other family affairs so I would have been gone from the end of XXXX to the end of XXXX of XXXX, because I knew I would have limited phone and Internet service, I decided to set up automatic payment with Capital One. Needless to say, the setup failed and I missed XXXX 's and XXXX 's payment. I disputed with Capital One and they decided to remove the late payment and reporting to the XXXX credit bureaus according to XXXX different conversations I had with reps and supervisors combined. I was looking for the written confirmation and they said it will be in the mail and my report will update in 30 days. I received the letter alright, as well as an update on my report but it was nothing the reps and supervisors told me previously. The letter stated the error was not on their end in regards to the auto pay and the reporting is correct and will not be removed ( TOTALLY contradicting what I was told in previous calls with XXXX to XXXX different people ). I decided to take the blame as in truth and in fact, they never received the payment, whether through my error or their system. It was n't until I was scouring my report that I realized the XXXX payment that I made on the XXXX was being reported as late.
I called Capital One and the agent explained that even though I received the credit of {$25.00} and paid {$50.00} ( a total of {$75.00} credit on a {$65.00} bill ) I still needed to pay the full {$65.00} that was due at the time, so essentially I was being reported late for {$15.00} because the rep at Capital One did not know her job and told me I was paid in full with her {$25.00} credit and my {$50.00} payment. The rep that I was speaking with ( who said he was a supervisor ) stated he will remove the 60 day late payment stemming from the XXXX miscommunication but will not do anything about the 30 day late from XXXX, I told him that was fair and went on my way, this was XXXX XXXX.
I called on XXXX XXXX to make sure all was going according to plan and sure enough the rep I spoke with this time said nothing is being done and I was advised wrong but they will review the recording and if that is what I was told, they will honor it ( this rep was a supervisor ) I was told she will review this and be in close contact with me. I was given her name and personal number, I was called on the XXXX of XXXX to say they are still reviewing but after that, silence. I called and left numerous VM for her on the number she gave me and, NOTHING, not even a call back. I called the XXXX number, I tried getting through to this supervisor again and received nothing but crickets.
Capital One and the agents as well as the supervisors are crooked to say the least and needs to be brought into the spotlight! Shady, lying people they are and as a consumer I am now suffering because these reps are untrained and could care less about the consumers, as long as it 's not their life then business as usual I guess.
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06/28/2016 |
Yes |
|
- Credit card protection / Debt protection
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Web |
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I disputed the following charge online, since the merchant and the transaction are completely unknown :. Despite I filed a dispute online, the charge was reapplied to my account XXXX. I also provided additional information in writing ( online chat - I do not have more information since the charge is unknown ) which was not considered. I tried to redispute in writing ( online chat ) which they refused. This is a violation of my legal rights.
XXXX XXXX, XXXX Transaction Date Thursday, XXXX/XXXX/2016 Posted Date Saturday, XXXX/XXXX/2016 Details Gas Appears on your statement as : XXXX XXXX, XXXX XXXX FL XXXX US I received the following receipt confirmation of my dispute. Case Number XXXX Hello XXXX XXXX, Thank you for submitting a dispute claim online. We 've created a dispute case and are researching your claim. We will notify you of any status changes as they occur. If you have questions, please give us a call at XXXX. Our XXXX Representatives are available from XXXX to midnight Eastern Time, Monday through Friday, and from XXXX to XXXX Eastern Time on Saturday and Sunday. Regards, Capital One Transaction Support Center Today I noticed the charge was reapplied to my account without any investigation of notice. Since this charge is known, I consider this a violation of their fraud guarantee and my rights. TRANSACTION REBILL Transaction Date Thursday, XXXX/XXXX/2016 Posted Date Monday, XXXX/XXXX/2016 Details Gas Appears on your statement as : TRANSACTION REBILL XXXX US You XXXX I disputed a charge under case XXXX. Obviously the charge was credited and now charged again XXXX/XXXX/2016. This is re-disputed. The charge is complete unknown.
XXXX XXXX XXXX Hi there. Wonderful to have you on chat.
You XXXX Amount {$120.00} XXXX XXXX I can certainly understand your concern. I 'll quickly access the account and check if there is any notes from our dispute department regarding and assist you accordingly.
XXXX XXXX XXXX To start, would you please verify for me your first and last name as it appears on your card?
You XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
XXXX XXXX XXXX You should see some verification questions expand from the right side of your chat window. Please enter the requested information and click XXXX.
XXXX XXXX XXXX Thank you for verifying that information. Bear with me for just a moment while I review the account.
XXXX XXXX I have successfully accessed the XXXX business account.
XXXX XXXX XXXX Thank you for your patience.
XXXX XXXX XXXX After reviewing your account, I see that you have disputed the transaction with XXXX XXXX, XXXX, XXXX XXXX for {$120.00}.
We reapplied the disputed amount to your account, which will show up as a XXXX XXXX on your statement. We contacted the merchant and attempted to obtain a credit. We have sent you a letter which includes the merchant 's response to our request for credit. Capital One supplies the merchant 's response to you so that you can review the information and respond.
In the letter that we sent, we requested some additional details that we will need in order to continue the dispute on your behalf.
Please provide the supporting documentation and your response by the date listed on the letter.
I see that the letter was issued on the account on XXXX/XXXX/2016. Since our dispute department still not received any further documents to process the dispute the disputed transaction was rebilled.
In this case, you can contact our dispute department directly and check what documents are required to further investigate on the disputed charge. They will assist you further how to move forward.
XXXX/XXXX/2016 Capital One Chat XXXX ... XXXX Please
|
08/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
They had misleading information in the notes to purposely try to trick me so they dont have to refund my account from a data leak and my account was hacked.
They purposely advised me to the wrong email so they can delay the claim and deny it.
- Capital one purposely tried to trick me out of getting my own money back.
- Capital assumed awful things about in for 2-3 weeks while I was dealing with emotional distress of having my account hacked based on capital ones data leak.
- I received a fake call from capital of hackers using voice changers to gloat about my money being removed my account, laughing saying they could re turn it.
- I filed a police report for my safety - They tried to claim me taking money out atm to move to a new bank and tried to stop me from transferring to a new bank account after they lost my money.
- I recorded capital ones security services to show how misleading they are and combative to work against their customers.
- My phone bill is XXXX $ and I have XXXX dollars for my bills but the card is being blocked. I called and they said the card is active and theres no problems which is false. They are purposely blocking my card while the case is open.
- The failed to finish their investigation in 10 business days and didnt give me a single thing for my account and are now obstructing my card and the truth.
- Capital refuses to acknowledge that they have a data leak.
Currently I missing XXXX $ that was given to me by the department XXXX XXXX XXXX to an unauthorized transactions on my account.
- They lied to me and tried to fool me by saying I didnt make a claim on XX/XX/XXXX I just got proof that I did.
- Capital one mailed me ( XXXX ) 4 days later after my claim to notify me that theyre working on it. I never had the claim number until that time XXXX $ + were missing from my account and they did not care.
- Capital failed to send me an update about the claims being pass or denied in the appropriate time frame all after 10 business days and still no emails from them.
- They claimed that something was wrong with my email address XXXX - But never sent me email notifying me or calls notifying me within 10 business days. I was constantly calling them when I heard nothing between XX/XX/XXXX and XXXX of today.
- I supplied proof that capital never updates me via email as Im opted in for email notifications and opted out of phone pops ups.
I proved capital one lied to me saying my claim was closed on XXXX of XXXX when I received a mail notification and the only notification notifying me that theyre working on the claims.
- I supplied proof of hackers calling me from capital ones number on XX/XX/XXXX at XXXX gloating about my money being gone. Saying Hello were capital one and were going to get your money back ( the same people who hacked my account and capital one investigations found their XXXX XXXX account and did nothing ). Capital tried to use this information to blame me saying I must have gave them information because the money was coming from device - They are now obstructing use of my debit card online and off. My phone bill is unpaid, my cable, everything I use my card on is being blocked. I call capital and they tried to blame the amount in my account is the reason, but thats not so. Capital one customer is highly stressful and toxic and Im currently looking to transfer to another bank as soon as I can get my money out and pay for my phone bill using a new card from new bank.
- Capital one has failed to prove where the call came from on XX/XX/XXXX before I phoned in about being hacked. I think Capital one employees compromised my account.
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02/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
Below is a copy of the transaction timeline documentation letter that Capital One requested the second time I filed a dispute over this same transaction. I have been dealing with XXXX and Capital One since XXXX when the item was purchase. I'm attaching a " PDF '' that contains copies of all emails and documentation of this fiasco. Now Capital One is asking for additional documentation when threatened to file a complaint with your agency. Every time I call Capital One I get someone else with new requirements. When I talk to XXXX they comment that I should have not filed a dispute because it could take up to 75 days.
XXXX Case # XXXX XX/XX/2021 Purchased from XXXX XXXX for XXXX present Order # XXXX Item - XXXX XXXX XXXX XXXX Shipped by USPS I waited 17 days for delivery. Was unable to get any kind of delivery date of any kind from anybody. Finally, I purchased a replacement at XXXX XXXX on XXXX due to non-delivery. I contacted XXXX and was informed their responsibility was finished when they shipped it. This is not true legally because they hired an agent to complete the delivery which does not relieve them from the contractual responsibility.
I was notified by USPS the item was being delivered XXXX. When the item was delivered to me, I attempted to contact XXXX for an RMA # and address to ship to. Calls went to voicemail - left message - no response.
I contacted Capital One to file a dispute for non-delivery - informing them that I received the unit and all I wanted was an RMA # and a ship-to address for the return credit for the original item ordered. They filed it and issued a temporary credit on my account. I was told they would inform me of the disposition of the dispute.
Approximately XXXX 1 noticed that my account had been charged the price of the item in question on XXXX. I received no notification of the disposition and no RMA # or ship-to address as promised. I contacted Capital One for an explanation of what had occurred. Each time I talked to someone else regarding this issue. The conversation was totally non-productive and was given no explanation as to why the appropriate communication procedures regarding the dispute were not followed.
On XXXX 1 attempted to contact XXXX to get any kind of answer of what was going on. I was given the information I needed, the RMA #, and ship-to address. However, I was informed that the dispute was still open and a credit to my credit card could not be processed until it was closed and it XXXX take up to 75 days to be processed. I stated that my account had been charged back on XXXX and they should have what they needed by the time the item was returned to them. I shipped the item via XXXX that same day. The item was received at their facilities on XXXX at XXXX XXXX.
Synopsis : I have performed every task that I was told to. XXXX has the item and purchase price in their possession. Capital One is charging me interest on the purchase of an item I do not have in my possession but has been returned to XXXX. I do not trust either of these companies. I have been misled and the only one that is out of anything is me. I have literally spent hours in resolving this matter and have gotten nowhere. These 2 companies have unearned profits at my expense. I will wait until XXXX, 5 business days to see my account adjusted to reflect the return credit and any interest charges reversed regarding this purchase. At that time, I will take all this documentation that I'm including with this documented and filing complaints against both Capital One and XXXX to the Consumer Finance Protection Bureau.
XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, MO XXXX XXXX
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01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I am disputing the third party services of XXXX XXXX and XXXX XXXX and the scores on my XXXX and XXXX accounts. Since the fall of XXXX, I had three deragatory remarks removed from my credit reports with XXXX. I submitted the disputed through XXXX XXXX which advertises that this can be done through their website. I also had one account removed after calling the creditor regarding a medical bill that I had paid at the office where I received treatment and one collection removed the previous year regarding a XXXX collection for XXXX on an account I had long ago closed and had ebilling for and copies of the receipts showing the account as paid in full at the time or shortly after it was closed. The XXXX dispute went to almost to arbitration before someone after XXXX negotiated a settlement. I had previously disputed that through XXXX XXXX and it was verified as accurate. After arbitration it disappeared from my credit report and no change was made to my score at all. No remarks were made about it being removed by any of the third party websites XXXX XXXX or XXXX XXXX. The same is true of the most recent removal of the doctor bill after i called the creditor and the Medical office admitted they had made a mistake. It was removed from my report with no notification, no change in score. The other accounts were removed and my score did change. It dropped 150 points. Ive lost sleep, Ive hired XXXX XXXX, Ive spoken with an attorneys Im sick of having false collections put on m account. And I cant believe that my score would drop because of it. I have monitored my score and my report closely and the only change other than a slight increase in a credit car balance of like 100 and a slight increase in available credit are the only changes both that I can find and that are listed by the credit monitioring services. I have read extensive articles published by other consumers describing the exact same negative times removed being the only change drop in score. I have contacted XXXX XXXX, XXXX XXXX and XXXX only to be told nothing of consequence. XXXX told me to pay my bills on time and my score would go up when o have 98 percent payment history. They wouldnt speak to the calculation of the score or why Id received no confirmation in writing of the changes or why the removal of negative items had no positive affect on my score. In fact XXXX official website shows that my score was the same over six months which it absolutely was not and was reported on XXXX XXXX which is powered by XXXX only one week ago at 150 points higher : I have also seen the changes to my report on their official website which I had to pay XXXX to access. Im getting raked over the coals. Im a single mom of XXXX who needs to relocate for a job in two months time and these agencies are going to cost me that opportunity with their convulded scoring and refusal to even speak to what they are doing. There is no transparency. My score is below 500 with on time payments at 98 percent only one remaining collection for XXXX which Im working to resolve, three negative items removed. Low debt usage and no public records judgements or bankruptcies. Also my credit age is reported in two different ways by XXXX. One on its website as 2 years the other on XXXX XXXX as 11. And there is a card reporting for 11 years. I feel like Im being targeted. I went through a rough time in XXXX when I divorced and I have stopped being harassed since then despite paying my debts and trying to start anew I have screen shots of all of this but last time when I tried adding them it would not let me submit my case online. Im happy to provide by mail if necessary
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05/05/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
|
So this is my third and final attempt at reaching a resolution with Capital One, As stated in my previous dispute with Capital One Bank. I contacted Capital one a few times about this same issue. So almost a year and a half ago i experienced identity theft when my wallet was stolen my id was inside as well as my SSN. I had not known at that time that there was a checking account opened in my name by Capital One. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Capital one 360 Security department, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Capital One. When i further asked why and explained to the phone banker that i have never opened an account with Capital One. She sent me to security department. The security department said that my accounts were closed, i advised them that i have never opened an account with Capital One, Nor Capital One 360 in my life, and that i just now have been trying as of this week. The security rep advised that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the security person, that is a mistake because i have never opened an account with Capital One 360, nor Capital One. When getting into further details they advised me these accounts were opened online. I advised them i never lived at the address they have on their files XXXX XXXX XXXX XXXX, TX XXXX. The security person then transferred me to identity theft operations which was closed. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Capital One 360 but it appears someone has tarnished my name with them by opening an account and using it fraudulently. I did not verify any information with Capital One, and i do not know where the person in their complaints department leads to believe i did so. Which i was not aware of until just recently. I am attaching FTC_Notice_To_Furnishers as well as my IDTheftReport and the notice to furnishers. Capital One advises they are researching this issue, yet they are still reporting information to XXXX XXXX XXXX stating that i had opened these accounts and the accounts were " Closed ''. First of all i never opened the Checking Nor Savings Account. As i have mentioned numerous times to Capital One, I tried speaking with Online Fraud which told me they couldn't help me that i needed to come in Branch. Going into a Capital One branch does me no good as i haven't ever banked there before, and they said they can't handle Capital One 360 Accounts. Capital One is internally reporting me as a risk to the bank yet i never opened these Checking, Savings and i just recently learned My Email was hacked. My Identity was stolen, and these accounts were opened as a result. They also previously forwarded my mail and stole my Email these crooks. I had to have the USPS help me get my mail again. Capital One hasn't even attempted to reach out to me with any information. They did not provide resolution and continue to report internally false information. They also continue to say that i owe them {$1400.00} which i do not owe either. I never opened these accounts. After further speaking to your agent. The only information they would give me is that onXXXX of the accounts ends in XXXX. They said they could not provide me any further information.
|
11/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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Web |
|
I received a pre-approval for an account in the mail. I applied for, and was granted, a credit card account with Capital One. At the time, I did not have a Social Security Number ; I instead applied with a valid ITIN. Upon approval, a hold was placed on the account and I was asked to submit further information. This information included my passport, a copy of the ITIN, and a utility bill showing proof of address. This was provided and the hold was not removed, as Capital One stated that they now required a valid SSN.
After a month or two, I was issued a Social Security Number, as well as a permanent residency card from the federal government. Both of these documents were submitted to Capital One. The hold was still not removed. At that time, I was then asked for a copy of a State ID or Driver 's License, which I have not yet obtained, as I don't need one for my day-to-day and it would require both myself and my husband to take time off work and spend further money on this issue. The Terms and Conditions of the account do state that a government-issued ID may be required ; multiple forms of government-issued ID have been provided to the company. When I spoke to Capital One, they advised me that requiring a state-issued ID was a new policy with the company and that they did not inform customers of this change, but they would not be releasing the account until a State ID or Driver 's License is provided. The verification information required by the Terms and Conditions of the account has been satisfied, and the representative of Capital One agreed with that on a recorded line, XX/XX/2019. I volunteered to send in further documentation from the US federal government showing date of birth, address, etc, and I was denied. This is a potential UDAAP violation.
Further, Capital One has stated that they are, in fact, reporting to the credit bureaus using the provided SSN. This means that there will now be a direct hit to my credit, possibly including the indication of an account hold. This is a potential FCRA violation.
The Terms and Conditions of the account as agreed upon by myself and Capital One do not state that cardholders must have/obtain a state-issued ID. The company is therefore operating on the assumption that all applicants will have this identification, but they do not state that it is a requirement on their website or in the Terms/Conditions, or on the pre-approval that was mailed to me. They are, however, willing to open the account and report to the bureaus prior to requesting this information from new consumers. This is a potential UDAAP and FCRA violation.
Capital One has also indicated that they have confirmed the validity of the documentation we have already provided, which more than satisfies the legal verification requirements of the PATRIOT Act, sec 326.
My husband, who is a natural-born US Citizen, has two existing accounts with this bank and has never been asked to provide state-issued documentation of any sort. I am listed on one of those accounts as an authorized user. I have also asked other US citizens about their experience with Capital One and was told that this form of documentation was never requested of them. When speaking to Capital One, they state that this is not standard practice for all accounts, only specific types of accounts, but they would not disclose specifics as to why this account was impacted. This seems to be discrimination based on national origin ( a protected class ), with a direct impact to my credit, which is also potentially a UDAAP and/or Fair Lending violation. We have made no less than 3 attempts to rectify this situation with the bank.
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11/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
A balance transfer posted to my account on XX/XX/2020 was sent to the wrong place and never reached the account I was transferring the balance from. I provided Capital One with the correct account number when requesting the balance transfer on their website. The payment was supposed to go to XXXX, but was instead mailed to XXXX XXXX XXXX.
I first called Capital One when I noticed the balance transfer said it was for XXXX XXXX XXXX on XX/XX/2020. I told them that the balance transfer was made the previous week and had still not shown up on my XXXX account, and that I did not know what XXXX XXXX XXXX was. They informed me the check had not been cashed yet and I should wait for the check to cash first and see if it shows up on my XXXX account. They thought XXXX might be handling the transaction for XXXX. I trusted the advise of the Capital One Representative and waited to see if the Balance Transfer would go through and was reassured they would be able to recover the payment if it does not.
Two weeks later on XX/XX/XXXX, I called Capital One again to let them know the balance transfer never appeared on my XXXX account. They informed me the check was cashed the previous week on Monday XX/XX/XXXX. They opened an " investigation '' of some sorts to attempt to recover the check. A few weeks later they mailed me a copy of the check after it was cashed. There was an account number on it, but no routing number so I couldn't tell what bank it was cashed at. I called Capital One about it and was informed the investigation was closed. I was given no details about why, but they told me to call XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX checked and said they have no record of the check being cashed and no one at XXXX XXXX XXXX had been able to assist me.
This has started an endless cycle of Capital One saying they would reopen the case on this and contact me within 7-10 business days, only for that period to go by without me hearing from Capital One, in which case I call them back only to discover the case has been closed again. This has happened 3 or 4 times. They keep telling me the same things. They tell me to call XXXX XXXX XXXX and XXXX XXXX XXXX. I tell them I had called them multiple times and got nowhere. I should also note that some of these calls to XXXX XXXX XXXX and XXXX XXXX XXXX where on a three way call with a Capital One representative on a recorded line, but they never seem to have knowledge of these previous conversations already taking place whenever I call them back. This always follows up with them saying they'll reopen the case and contact me, and never do.
I'm also being made responsible for the payments, despite me sending Capital One a letter within the 60 period to report it as an error per the instructions on the statement. I should not be responsible for payments but their customer service can't give me an answer about whether or not the dispute process has been started and they can not confirm whether or not I'm required to make a payment. They did not respond to my dispute letter within 30 days of receiving it like it says they're required to do, but they have acknowledged receiving the letter. Nothing on my statement mentions balance transfer being exempt from this dispute process.
This clearly seems to be an error by Capital One since I provided the correct account number and warned them before the check was cashed, but they are not making any effort to assist me with this problem. They will not credit the balance transfer back to my account, and they are still making me responsible for payments despite following the dispute process as per my statement.
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07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
On XX/XX/2022, on or about XXXX EST, I went online to make payment on my Capital One CC account. And I was able to accomplish the payment, as it immediately displayed on screen.
However, I noticed that there was a late fee of {$29.00} applied to my account. It is important to note here that under normal instances, my monthly payment is due on theXX/XX/XXXX of every calendar month. However, it is further important to note that the USA is in celebration of theXX/XX/XXXXfederal holiday on such date. And as such, I was traveling on the road along with a great deal of Americans.in the midst of the XX/XX/XXXX holiday occurrences. In fact I suffered an emergency situation whereby my vehicle 's battery became dead and I was in distress on the road. Moreover, I used my Capital One CC to gain XXXX service in order to gain a replacement battery which is clearly shown as the last transaction on my account on that date, XX/XX/XXXX. As well, it was duly viewed as a successful transaction on my account by the specialist. Thus, I mentioned all of this to announce that I called Capital One to discuss the waiver of the late fee because ( 1 ) the federal holiday should be observed as a reason to waive the fee and ( 2 ) I had extenuating circumstances in the form of an emergency which prevented me from being at home where I always make payments on my account. To consider a payment on the XX/XX/XXXX, a federal holiday in USA was not in the scope of conducting business as usual.
Nonetheless, I was advised by XXXX, the initial account " specialist '' that I was not " eligible '' for a waiver since I am allowed one waiver per year. Personally, I do not recall a waiver in previous months. Yet, I explained that in this case, as a long standing customer with no history of persistent late payments, there should be no reason to discourage that relationship. However, the specialist indicated that " the system '' would not allow her to do so. At that time, I requested a supervisor or manager who could override her restraint. Accordingly, my call was said to be transferred to XXXX, a so-called senior acc't specialist. I found no success with XXXX, as she was very rigid and non-empathetic by exhaustingly verbalizing the " policy '' and options to avoid future late fees with absolutely no resolve. Moreover, when attempting to explore how to make written complaint for this refusal and denial to resolve a late fee which will impose an unfair late fee notice to the credit bureaus, negatively effecting my credit and also increase the illegitimate gain of enrichment to Capital One as interest is incurred unfavorably against me, XXXX gave me more robotic double talk yet again about taking automatic payment options and other non-useful resolves in my particular case where an emergency on a national day of celebrating independence and freedom prevented me from considering a payment that would have otherwise been made upon review of my payment history. It is egregiously unfair that Capital One would allow this late fee which is not commensurate with other banking institution i.e. XXXX who have dismissed such charges as overdraft fees and late charges on their consumer accounts. I am requesting that CFPB step in and help to support me in making this a fair resolve whereby this late fee can be waived, as legitimate reason applies to do so. To further add to a disconcerting issue by tarnishing my credit and gaining unfair enrichment is not in good faith for any business in the interest of consumer/customer satisfaction. I prefer to think that CFPB will seek to protect my consumer interests and look forward to the bureau 's contact.
|
08/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I was deceived in a transaction I made with a dishonest company, and my credit card, Capital One, is not providing the consumer protection which I am due.
I purchased XXXX sets of XXXX tickets from an online website XXXX XXXX XXXX, on XX/XX/XXXX for XXXX shows talking place in the month of XXXX, for a price of {$370.00} times XXXX ( there were XXXX transactions for this amount, totalling {$750.00} ). The day after making the purchase I realized I had been overcharged and tried to get a refund, which the company refused, but I didn't dispute the charges then because I still trusted the company and hoped I would be able to sell the tickets as the show dates became closer. Several months later I called the company to inquire what would happen if the XXXX shows were canceled due to the pandemic, and I was assured on the phone that I would receive a full refund.
The shows were cancelled due to the pandemic, and on XX/XX/XXXX I received an email from XXXX XXXX XXXX that they were changing their return policy after the fact, and providing me with a 120 % credit in their store instead of a refund. ( This is dishonest - you can't change a return policy after a purchase has been made. ) This company, XXXX XXXX XXXX, has a very tricky and misleading website making it look similar to other reputable sites, like XXXX. They did not refund my tickets when I asked them to a day after purchasing, which an honorable company would do, and they added a vague {$80.00} service charge added to the transactions, which was unclear. In addition, their customer support and language on their website is very tricky and misleading to customers. There are numerous complaints against them on the XXXX XXXX XXXX website, and I doubt the 120 % store credit has any value at all with such a dishonest company.
I disputed the charge with my credit card, Capital One, but they did not rule in my favor, despite my documentation and explanation. They send me a letter dated XX/XX/XXXX that the case is closed and the charge is valid, and recommended I work directly with the merchant. This is impossible for me to do because the merchant is dishonest. Capital One did not provide me the consumer protection which I am due.
Here is an explanation of the documents which I have uploaded : Document # 1 from XXXX XXXX XXXX is an email informing me of my store credit after the tickets were cancelled and how they are changing their return policy after the fact, to benefit themselves and deceive consumers.
Document # 2 is the response from XXXX XXXX XXXX after I indicated my frustration with not having received a refund includes the lines, we just can not do that, due to government shutdown orders and the massive disruption to our marketplace and its normal operation. They are in essence saying, we are having difficult times, so we are passing it off on you. The email closes with, Stay safe! and At your service!, phrases written in a flippant, arrogant tone which is extremely unprofessional, and gives me cause to wonder if these tickets would have ever been valid.
Document # 3 shows the Compensation Policy as stated on the XXXX XXXX XXXX website, which states, XXXX XXXX XXXX will coordinate with the selling broker to provide you with a full compensation of the ticket price, including any service fees, '' which I have not received. 120 % of store credit from their dishonest racket does not count as full compensation.
Document # 4 shows that XXXX XXXX XXXX is not accredited with the XXXX XXXX XXXX and has multiple customer complaints each year.
Document # 5 shows the letter from Capital One saying they are closing the investigation.
|
09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am sending this complain on something on my credit report that is in accurate and that I did not authorize.
in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy.
15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions.
Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose.
Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= XXXX ========================================= XXXX XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT.
Please sign the above receipt and send back a scanned/photocopy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX for free ESigning services.
If you have any questions about this transaction, please call ( XXXX ) XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any.
information obtained will be used for that purpose.
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is.
confidential and privileged. If you are not the intended recipient, you are.
hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer.
Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXXXXXX Balance {$2300.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Credit limit {$1300.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXXXXXX Status Collection account. {$1.00}, 467 past due as of XX/XX/XXXX.
Status updated XX/XX/XXXXXXXX Balance {$1400.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance - Terms 1 Months Account info Account name XXXX XXXX Account number XXXX Account type Rental Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXXXXXX Balance {$680.00} Balance updated XX/XX/XXXXXXXX Recent payment {$32.00} as of XX/XX/XXXXXXXX Monthly payment - Original balance {$850.00} Highest balance - Terms 26 Months Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Closed. {$440.00} written off.
Status updated XX/XX/XXXXXXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$440.00} Terms -
|
09/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
I apologize for the lack of dates. Today 's date is XX/XX/2023 what has transpired has been within the last 30 days. I can not log into my capital one app even after downloading it again as directed. I find this highly suspect.
I am writing this letter to inform you of a grave mistake that was done to my credit by my credit card company. Personally, I am.still amazed that I am made to fix the issue alone when Capital One has already admitted they made a mistake. Making this an internal matter to fix. If the situation involved a XXXX party company they would be all over it helping as much as they could. To the matter at hand.
A concert ticket was purchased from XXXX with good intentions. I didn't I authorize it and contacted XXXX and asked for reimbursement. They agreed and sent an official email confirming it. Playing safe I contacted capital one to inform them of the situation. I was told to wait and see what they do. If by Monday they have not reversed the pending charge then they would instruct me to file a dispute.
Come Monday this what Capital One and I did first thing in the morning.
Not long afterwards the reimbursement {$100.00} arrived to my account from XXXX. I informed Capital One and went about my trip with my partner. At some point XXXX XXXX not paying attention as they say they do with all their XXXX advertising ignored the fact the dispute had been resolved.. and sent {$97.00} to my account. No notification came to me concerning the deposit.
Instead of removing the mistake right away, and trying to blame XXXX for the error and protocol.. they waited 8 days before removing the amount. I requested the reimbursement because the {$100.00} was going towards XXXX tickets for a XXXX show. Which I purchased. Leaving minimal funds on my card that I frequently paid off my balance weekly.
Currently due to their error and lack of concern towards their clients credit score, which that specific card is designed to help improve. They removed the funds they shouldn't have given overdrafts my card.
My credit score went from almost XXXX down to XXXX. Canceling my application to an apartment I was waiting for.
Asking for them to rectify the situation. They told me to write this letter to their very own credit repair department. Which will take all together 30+ days. I was shocked that he wanted to sit their and read this to me after he verified on a recorded line that that paid me after the reimbursement arrived on my account. Informing me that they have no way of knowing the funds were returned???
I never heard a more straight forward lie in my life. That is precisely their job.
I am requesting my credit score is returned to its original state before this debacle, and they charge wiped off my account since it cost me far more than the funds they mistakenly gave.
I also received a notification of a XXXX XXXX XXXX purchase today XX/XX/2023 that I did not make.
" XXXX XXXX XXXXXXXX Make a payment to help avoid future declines.
Hi there, Your {$6.00} purchase at XXXX XXXX XXXX on XXXX XXXX was declined because you were already over your {$600.00} credit limit.
If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days.
Balance summary Credit limit {$600.00} Current balance and pending charges {$680.00} Note : We dont charge overlimit fees. '' How the he'll does this company operates in such fashion boasting the desire to help build your credit and when they make a massive mistake tell you to fix it yourself ... and then allows erroneous payments to go through no notification all while they are aware of the dispute..
XXXX.
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08/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
|
this is the copy of the letter I sent to XXXX XXXX XXXX, I applied for a refinance with capital one auto finance for a refinance on my XXXX XXXX XXXX on XX/XX/XXXX, in which was approved. I was sent confirmation documents of my agreed payment of XXXX/month for approximately 54 months@15.390 % Apr. I received several documents confirming this, down to the contract page w/my electronic signature. I was on a 3 way call with Capital One and my previous lender XXXX to get a payoff, in which the woman advised her how much it would be. I asked a question about a payment made on XX/XX/XXXX in which the XXXX XXXX XXXX associate agreed it was credited to the account. The Capital One associate asked the XXXX representative if the amount given was per diem, and the rep said yes. When the Capital one associate disconnected from the call, I inquired as to when the check would go out, she advised me and thanked me for my business then disconnected the call. Today while checking XXXX XXXX XXXX website, I noticed the payoff payment had posted. I called Capital one and found out THEN that my payment had been changed to XXXX. I spoke with one associate that advised me that I could go back to my other creditor, and I would except now I would have to reapply and gain another pull against my credit, which would lower my score. I would also be subject to new loan fees and cost. I spoke with another associate who advised that the bottom print states that if there is more than a 5 % difference in the payoff total from what I provided and what the finance company provided that my payment may differ ; however the additional verbiage advises that I would be contacted about the change, to provide the ability to opt-out if I choose to, before the check and changes would have been made, NONE OF THAT HAPPENED! I spoke with another gentleman, who advised me changes, and apologized that things had been handled this way ; however my lunch was over, and because I was beyond angry, talking was no longer something I wanted to do. I advised him that I will reach out to the better business bureau because this is a violation of the Truth in Lending Act I have reported this to the BBB, XXXX, XXXX, Consumer Financial Protection Bureau, and you so far. I feel I was done an extreme disservice. I should have been contacted, at the very least, about a change in my monthly payments. I should have had the option to opt out, because truly a {$4.00} difference in my payment isnt worth paying titling and loan fees. I feel like your company sought me out for my business, and once they got it, said XXXX me with this action. I have over 20 years of banking experience, and I work for your competitor, you I gave your bank my credit card and loan business, which speaks volumes to my expectation of your service. I have struggled to rebuild, and was able to get a car loan with XXXX XXXX. I worked hard to raise my credit score enough to get a low-line credit card with you which I revolve and pay responsibly. I know you may not be able to relate, but Im a single mom, who is on a budget. If I knew you would give me this payment option, I would have opted to stay with XXXX XXXX XXXX. I feel extremely taken advantage of, and for that, I will share this story about how your company did me with every person I see, ever website available to review, and ever social media site available. PS I received a call from XXXX from the presidents office. He wanted to know what happened. I am laughing now, because after all of the talking thats been done in the past week, his response was that there was nothing they could do about the contract. Wow, is all I can say!
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11/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American, Servicemember |
On XXXX XXXX, 2020, I joined a fitness studio, XXXX XXXX in XXXX, Arizona. I signed up for a one-month membership, ONLY. The State of Arizona shut down all fitness clubs due to the Covid-19 Virus on XXXX XXXX, 2020. I was charged {$50.00} for the month using my Capital One Credit Card. Even though the studio did not re-open again until mid-late XXXX 2020, I did not ask for my money back, nor did I dispute the charge on my card. I have XXXX different credit accounts with Capital One. After paying this gym for my month on XXXX XXXX, 2020, Capital One contacted me about a different charge on this same card, which appeared fraudulent. I confirmed that was the case, and I was sent a completely new replacement card with different numbers entirely on XXXX XXXX, 2020. Thus, I was shocked that this new card showed a charge on XXXX XXXX, 2020, from XXXX XXXX on the NEW card for {$44.00}. I had no expectation nor any explanation as to what these charges were, and thus, I disputed them on the same day they appeared on my account. Since I joined for one month using a completely different card, I had no idea how XXXX XXXX had access to it. It appeared to be fraud to me. Shortly thereafter, a representative for XXXX XXXX called me and asked about this disputed charge. I explained that I had only joined for one month and was not aware of any continuing obligation to pay this gym. I will remind you that the gym was still closed at this time. XXXX XXXX ' representative told me that to " cancel '' this account ( again, I did not believe I had signed any long-term contract with XXXX XXXX, nor was it explained to me as such ), I would need to come into the gym and cancel in person ( again, the gym was closed at the time ) or, in the alternative, send a certified letter canceling. At this time, my state was experiencing a spike in the Covid 19 virus. I am a XXXX woman with underlying XXXX issues and had just been scheduled for XXXX XXXX in 10 days. Due to these circumstances, I could not possibly travel to a closed gym to cancel my membership, nor could I risk traveling to the post office, standing in a line, and waiting to fill out the paperwork for certification. Plus, I am not even sure that would be possible because I could not walk into the post office with my XXXX is XXXX. XXXX XXXX was unwilling to make any concessions to me. On XX/XX/2020, I was astounded to find another charge from XXXX XXXX for {$110.00}. Thus, again, I had to go through the lengthy effort of calling Capital One, waiting, and explaining all over again my issue. Again, this amount was refunded by Capital One on the same day of the charge. At this point, I thought my part in this dispute was over. Unfortunately, that was not the case. Today, XXXX XXXX, 2020, I learned that on XXXX XXXX, 2020, Capital One had reversed its decision and placed the amount of {$110.00} back on my account. To add insult to injury, there was a pending charge from XXXX XXXX for {$44.00}! After being switched to several different departments, I called Capital One and was basically told that Capital One had spoken to Mountainside Fitness and explained that *I* needed to send a certified letter or go to the gym for the account considered canceled. I once again explained my circumstances, and Capital One offered no relief, except the options offered by XXXX XXXX. I am now XXXX weeks XXXX-XXXX. I still can not XXXX well, have not returned to my workplace, and have immense fear due to the Covid-19 virus, not only for myself but also for fear of spreading to my XXXX husband and my XXXX daughter, currently living with us, who still has symptoms of the XXXX XXXX.
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10/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
|
Please refer background information in Complaint # XXXX.
I have lived overseas working for a US company ( I am a US citizen ) since XX/XX/XXXX. In early XX/XX/XXXX my identity was stolen and used to apply for several credit cards and mobile phone accounts. All of the creditors ( that I know of ) have performed their investigation and found me not liable, except one -- Capital One. In roughly XX/XX/XXXX, the identity thieves applied for multiple Capital One cards and were approved. They ran up the bill for one of the cards up to close to {$30000.00}. They also tried to apply for increase in credit and also transferring of credit. When I learned from my sister ( my permanent US address ) starting getting bills in my name, she let me know and I put a freeze on my credit as well as contacted all the creditors of the fraud. After several months of investigation, Capital One was the only creditor that insists the account was opened legally/non-fraudulently and is holding me liable for the account 's debts.
As I did not apply for these credit cards or incur the charges, I do not feel I should pay it, Capital One has sent the outstanding amount to collection and it is now affecting my credit score. I have filed a police report and also completed a FTC identity theft report. Please let me know what I can do to absolve me of this debt that is n't mine.
This is becoming a harassment issue.
Recently, Capital One replied through CFPB in a letter dated XX/XX/XXXX in which they provided information about why they thought I am still liable. This information included a California ID with my name, address, DOB. However, if Capital One checked with the California DMV, they will immediately find out that the ID # on that card is NOT related to me and is obviously fake. I have confirmed this information with the California DMV. The picture looks nothing like me and signature does not look like mine either. The signature looks like a computer generated font. I have forwarded my real California Driver 's License to Capital One MULTIPLE TIMES! My police report and FTC Identity Theft report should also include all the necessary information to verify that this fake California ID is NOT ME!
Capital One also claims that because the identity thieves had my social security number, name, address, and DOB, these are strong evidence that I am the person applying for the credit cards. I have repeatedly told Capital One, once I found out about the ID theft, that I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS STOLEN!
Furthermore, Capital One claims they are holding me liable because a phone number used to apply for the card was linked to me by public accounts. That number was applied for fraudulently with my identity information with XXXX XXXX XXXX. XXXX XXXX XXXX has documentation absolving me of responsibility for that phone number.
Capital One also claims that I have enrolled in online banking with them and when I called them I did not dispute ownership. I did not enroll in online banking with Capital One as I DID NOT KNOW I HAD AN ACCOUNT WITH THEM! In the calls that I made to Capital One, I made it EXPLICIT CLEAR that I AM DISPUTING OWNERSHIP as I am a victim of identity theft!
Capital One also hold me liable for these charges because they occurred near my address listed on the card. To this, I have repeatedly let them know that I NO LONGER LIVE IN THE UNITED STATES AND HAVE NOT FOR THE LAST 2 YEARS! The address listed is my permanent address and is my sister 's home. I do not live there and did not apply for Capital One credit cards this year or make any charges with Capital One credit cards!
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12/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
|
XXXX XXXX XXXX Re : Account # XXXX XXXX XXXX XXXX XXXX, TX XXXX Capital One Bank Card Disputes, XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Error [ s ] on Consumer Checking Account and Account Restrictions Dear CFPB and Capital One Bank, I am writing to request a correction of the following information that appears on my Capital One account and has since negatively impacted my account status, as it is allegedly closed, claiming a negative balance of {$1300.00}, and refusing me the protections under Check law protects you against erroneous and unauthorized check payments. In addition, Check XXXX contains a number of new protections for consumers. For example, Check XXXX contains a special refund procedure ( called " expedited recredit '' ) for a consumer who suffers a loss related to a substitute check he or she received ; 1. Account Number : # XXXX 2. Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX 3. Contribution Reason : Claim ( s ) the account ( s ) activity was inconsistent with Capital One terms and conditions 4. Incident Date ( Alleged ) : XX/XX/2022 5. Transaction Date : XX/XX/2022 6. Transaction Amount : {$1300.00} 7. Close Date : XX/XX/2022 8. Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.
9. Contribution Ref # : XXXX XXXX. Principal Loss : {$2600.00} The Closure of My Account ; From this decision to close my account, made by Capital One, I can only conclude that I was suspected of fraudulent activity, but I believe I was the victim of a scam and not the perpetrator.
The decision to reverse this transaction was never communicated to me, and the restriction Capital One has placed on my account, is set to be terminated permanently.
The email I received regarding this decision stated Weve decided to close your account ( s ) ending in XXXX and XXXX because we observed activity that is inconsistent with our terms and conditions.
The letter they sent me through the CFPB stated they were ending my banking relationship with Capital One, still refused to disclose the nature of the decision, and its contributing factors, and refused to share the conclusion of the investigation leading up to the decision.
I replied that I had been a member of Capital One for years now, and I had not had any issues like this before, and didnt understand why that wasnt being considered in their decision. I was not given an answer. I do not believe a full investigation was made, and I have been permanently impacted as a result of this oversight. When I have been given information relating to the dispute, I am told that they verified the transaction with the merchant, and it went through. THIS WAS NEVER THE DISPUTE I FILED. I explained in detail, that this was never a claim for the validity of the transaction, but of a duplicative one. I provided the records to support the duplicate transaction, but for some reason, they refuse to actually accept the claim I filed.
I have filed a consumer request with XXXX XXXX XXXX and waiting on their report still. I am unsure of how to receive a file disclosure from Capital One, to see how this investigation transpired, and what influenced this decision. I am hoping this letter, and my supporting documents, can help me obtain this information, and help restore my account status. To be able to enroll with any bank is essential in a time where everything is electronically communicated, especially finances. I hope to find a resolution to this matter and appreciate any assistance the Consumer Financial Protection Bureau may provide. Thank you for your time, and take care.
Respectfully, XXXX XXXX XXXX
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07/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
This complaint is against Capital One Financial Corporation. Please allow me to elaborate : On XX/XX/XXXX, I purchased 2 tickets in the amount of {$1100.00} for a XXXX XXXX Concert that was scheduled on XX/XX/XXXX in XXXX, XXXX.
On XX/XX/XXXX, I received the first email from XXXX announcing that the concert was postponed due to covid-19. It was postponed until further notice.
On XX/XX/XXXX, I received a second email from XXXX announcing that the concert was rescheduled on XX/XX/XXXX.
On XX/XX/XXXX, I received a third email that the concert was reschedule to XX/XX/XXXX.
On XX/XX/XXXX, I received a fourth email that the concert was reschedule to XX/XX/XXXX So, this concert that supposed to happen on XX/XX/XXXX has been postponed 3 times and each time the rescheduling date is one year apart : XXXX XXXX When I got this last email on XX/XX/XXXX, I decided that enough was enough. I contacted XXXX a few times for a refund, but every time, they stated that the only way they can refund me my money is IF the concerts organizers cancel the concert. XXXX suggested that I resell the tickets, but what are the chances? 1 ) There is no demand for these tickets. It is known worldwide that this concert may never happen due to XXXX XXXX health issues. 2 ) I had to sell the tickets with a discount, 3 ) Why XXXX does not make the refund and put the tickets back in the market itself? ( because this sale provides them with double commission ), and 4 ) Why should I sell these tickets in a secondary market if it is not my fault?
This is a XXXX XXXX concert called Courage World Tour, first programmed to be in the USA and XXXX in XXXX. All the tours in USA were cancelled due to her health, but the XXXX concerts have been postponed over the years. Why the tours in USA were cancelled and not the ones in XXXX? All what I can think of is that the organizers know the consumer protections laws is the USA are stricter.
On XX/XX/XXXX I put a dispute with CAPITAL ONE. Today is XX/XX/XXXX, and I never got a response, so finally I called Capital Ones customer service today. Capital One responded the following : 1 ) The purchase was over 60 days old ; therefore, the dispute was no longer valid. My question is how I was going to dispute this purchase on XX/XX/XXXX? At that time, I had all the intention to go to the concert. I had no idea that this concert was going to be scheduled and rescheduled 4 TIMES in 3 YEARS.
2 ) The supervisor stated that Capital One has no decision making in these matters. She stated Capital One only represents VISA, and it can only abide by VISAs RULES.
3 ) She stated that at this point, all what I can do is keep contacting the merchant.
I feel that Capital One has a fiduciary duty to protect me under the Consumer Protection Act against these fraudulent and malicious acts. This is a legitimate and genuine case of an unfair practice, and Capital One did not investigate it properly. I presented factual facts. For 3 YEARS I have not received the service/product I purchased, even that I paid for, and I patiently waited and abide by the rules for 3 years. Capital One should contact the merchant because Capital One represents these merchant and it is responsible for the merchant 's acts. Capital One should simply did not care or didn't want to spend its time and resources to solve this issue. Finally, I should be protected under my Capital One card Insurance for fraud.
Attached please find all the documentation I provided to Capital One.
Thank you in advance for your help, and I am looking forward for a prompt resolution to this matter.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
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02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have been a customer of Kohls for many, many years. With as many children as I have there arent many places that I can go and know that I will be able to clothe all of my children and do so without spending a fortune. I am writing to respectfully request a reversal of a report from Kohls on my credit report.
My husband and I have XXXX children and we are in the process of selling our home and finally being able to upgrade to a larger home that is more convenient, appropriate for a family our size, and in a much safer neighborhood with amazing school districts for our children. While applying for our mortgage a few weeks ago we were notified of a 30 day late notice on my Kohls charge account. This, of course, was very alarming as I have always tried to make sure all payments were made within the month due, admittedly they were not always made on the exact due date, but in my many years of being a Kohls customer, even in the midst of filing Bankruptcy 2 years ago, we never missed a payment.
This was an absolute mistake on my part and is no ones fault but my own. In XX/XX/2018 I logged on to make my payment and paid {$85.00}, which, I was sure, was more than the minimum payment due for that month. Apparently I was incorrect and the minimum payment was actually {$86.00}. I never received any notice that I was still behind on my payment, through e-mail or telephone, so I had no idea that I had underpaid. Honestly, who would under pay by {$1.00} knowing the penalty is so much greater than that!? Cut to the first week of XX/XX/XXXX I get a call from Kohls charge that I had not made my XX/XX/XXXX payment. I looked in my checkbook and I had written down the payment in my check register, but when I logged on to my checking account it was obvious that I had never actually made the payment. I apologized profusely to the woman on the phone and she allowed me to make my payment for XX/XX/XXXX and XX/XX/XXXX while on the phone with her and was courteous enough to wave all late fees that had incurred by my mistake. For that I was very grateful, and let her know as much. Even while on this phone call, the sweet lady never let me know that I had also underpaid in XX/XX/XXXX or that I would be getting the 30 day late report on my credit.
When my mortgage company called to explain that we would be unable to get the loan because of the 30 day late report I called Kohls customer service right away. It wasnt until this phone call that I was made aware of having underpaid in XX/XX/XXXX. Of course, the sweet customer service lady was unable to help and kindly transferred my call to a supervisor, who was less than nice, and who told me that what I was asking him to do was illegal and, in summary, told me I should be ashamed for even asking. To be honest, I am ashamed. Ashamed that I made 2 careless mistakes, 2 months in a row no less, and that is what has caused my family and I to be unable to move on to our dream home where we can finally be in a decent neighborhood with an amazing school district to raise our babies in.
I have spoken with several people who have all said that it is not illegal in the least for a credit company to feel sympathy for a customer and to reverse a negative credit reporting. I am very respectfully requesting to have the kind of sympathy that would allow my family and I to be able to move on from this nightmare mistake that I made and to be able to live happily in our new home with enough room for my children to run and play without fear of the terrible neighborhood that ours has unfortunately turned into. Please find it in your heart to reverse this report that was made
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02/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I am having problem getting my money back from the Saks and its credit card management company Capital One while the company incorrectly posted credit to my regular Saks store account and therefore overcharged me. It has been almost two months since I first called the Capital One and it has been trying to cover up their mistakes without giving me money back.
I am writing the complaint to ask for my full refund as well as interests owed during this period for overcharging me.
( the " company '' below means Capital One ) In XX/XX/XXXX, I called the company and asked for a refund check for credit balance on my account of {$830.00}. I have received the check and have cashed the check only once in XX/XX/XXXX. However, the same credit was posted to my account twice and therefore my account had a debit balance that I had to pay. I have been calling the company at least 3 times regarding the issue yet the customer service kept changing the story and today is XX/XX/XXXX and I still haven't seen my overcharged balance being refunded.
Below are the summary of events for how my Saks store account was overcharged which can be seen from my statements : - The request was processed and posted to my account with transaction date XX/XX/XXXX and posting date XX/XX/XXXX. This showed up in my XXXX statement.
-Somehow another credit of {$830.00} credit refund was posted again on XX/XX/XXXX with transaction date of XX/XX/XXXX.
-Separately, I returned an item on XX/XX/XXXX for {$570.00} to my Saks store account and posted on XX/XX/XXXX to my account. Due to the duplicated credit posted to my account from the company 's error of processing, my account had a debit balance of {$260.00} as of end of XXXX and I had to pay {$260.00} rather than a refund of {$570.00}.
The responses from the company are as follows : - XXXX : I called the company on XX/XX/XXXX and asked for duplicated credit of {$830.00} posted to my account. Customer service insisted two checked have been sent for the same amount and therefore my account was debited twice. I insisted that I received only one check and I cashed only one. Customer service later said she would file an inquiry so the back office could research and get back to me within a few days.
-XX/XX/XXXX : followed up with the company as no one called me back. Customer service said case still pending.
XX/XX/XXXX : followed up with the company as no one called me back. Customer service said case still pending.
-XX/XX/XXXX : My statement of XXXX came and still no sign of reversal of erroneous credit posting to my account.
- XX/XX/XXXX : I called the company again and asked to speak with a supervisor. The rep again said investigation was still pending after more than a month of investigation! Yet she said notes from my account said two checks were issued but the second one was never mailed out when somehow the second check was deemed duplicated. She said she would follow up with back office to see why my account still hasn't been refunded since the duplicated credit was never mailed out.
-XX/XX/XXXX : The customer service supervisor called me back and gave me updates : While my account was debited second time in XXXX, the check was never sent out. After I kept calling the company, there was an expedited request put in by back office ON XXXX, XXXX, XXXX to mail the check out. She said I will likely receive the check before end of XXXX.
So it turns out the company has never done anything with " investigation '' and never bothers to correct any mistakes. In addition, even with this {$830.00} check, the company still owe me {$260.00} that they have overcharged me.
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02/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I participated in a consumer credit transaction to purchase property ( a vehicle ) for personal use on XX/XX/2021. CAPITAL ONE AUTO FINANCE began sending me statements in the mail demanding payments and stating that they gave me a loan. I asked CAPITAL ONE AUTO FINANCE to provide me with a contract that binds both parties ( Myself & them ) and they sent me a contract from the dealership ( that is deceptive and fraudulent to begin with since this was to be a consumer credit transaction not a loan ) that is signed by the finance manager at XXXX XXXX XXXX, which is not a contract between CAPITAL ONE AUTO FINANCE & myself. CAPITAL ONE AUTO FINANCE and I did not have a meeting of the mind so their alleged contract can not be true. There is no contract with CAPITAL ONE AUTO FINANCE signature on it so any contract that they claim they have is not valid. I also requested they send me verification of their claim against me and to disclose to me who the original creditor is as well as the actual accounting for this transaction. CAPITAL ONE AUTO FINANCE is committing mail fraud by sending a statement in the mail demanding payment without putting the notice as required under 39 USC 3001. They are guilty of 31 USC 3729 because my credit card social security card was used to initiate this consumer credit transaction and the social security number belongs to the Social Security Administration. Anything purchased with that identifier is an obligation of the United States pursuant to 18 USC 8. Anyone attempting to collect a debt from me, a consumer, is guilty of the False Claims Act 31 USC 3729-3733. Since there was a finance charge involved, that was to be the sum of all charges and in a consumer credit transaction, cash is not to be included but I was required to give XXXX XXXX XXXX & CAPITAL ONE AUTO FINANCE a down payment of {$5500.00} which is a violation of 15 USC 1605. I did not get full disclosure of the transaction and did not receive material disclosure breaking down the method as to how the finance charge was determined as 15 USC 1605 requires. On XX/XX/2021 I sent CAPITAL ONE AUTO FINANCE and CEO XXXX XXXX an Affidavit testifying to my truth and pointing out the violations that they committed against me, the consumer and they have failed to respond and or rebut my Affidavit line by line. An Affidavit thats not rebutted line for line stands as true.
I did not give CAPITAL ONE AUTO FINANCE consent to communicate with me, violation of 15 USC 1692c ( a ) ( 1 ). They are sending me statements in the mail demanding payment but the amount is in the positive. This is false and misleading and a billing error pursuant to 15 USC 1666 ( b ) ( F ) ( 4 ) ( 5 ) and a false representing of the character amount 15 USC 1692e ( 2 ) ( A ). I demanded that they cease communication with me on XX/XX/2021 and they continue to send statements demanding payment, violation of 15 USC 1692c ( c ). They are reporting this alleged debt to the consumer reporting agencies without my consent, violation of 15 USC 1692c ( b ). CAPITAL ONE AUTO FINANCE failed to disclose in their initial communication with me that this was an attempt to collect a debt, violation of 15 USC 1692e ( 11 ). They failed to provide me notice of content in debt validation within 5 days of initial communication with me as required under the Fair Debt Collection Practices Act 15 USC 1692g ( a ). Since I disputed this alleged debt with them they applied the payments that I made to this alleged debt and I demanded that they return all payments to me including my down payment of {$5500.00} but they failed to do so which is a violation of 15 USC 1692h.
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01/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/XXXX, I wrote a XXXX check # XXXX of {$2000.00} to myself and deposited to my Capital One checking account via the mobile app. On XX/XX/XXXX, I received the confirmation email from Capital One that my check deposit was accepted. I also saw on my mobile XXXX app that the check was cleared with the image of the back of the check with the stamp that the fund was sent to Capital One. Therefore I went ahead to close my XXXX account.
Later I saw on XX/XX/XXXX Capital One posted a check deposit reversal on that XXXX check. I called their Customer Service and was told there was no signature on the back. I told them I had the check image from XXXX with the signature on the back. Then the representative said the note was signature does not match but I had proof that all signatures looked exactly the same. She then told me to go to ATM and deposited the physical check. I told her I already closed my XXXX account and asked whether it would be an issue and she still insisted I should try.
I also went to the Capital One at XXXX XXXX XXXX ( XXXX XXXX ) and talked with their Ambassador there. She helped me connect to another representative over the phone and I was told the same - to deposit the same check via ATM. So I deposited the same physical check via ATM on XX/XX/XXXX. The check was reversed on XX/XX/XXXX. I was not surprised this time as the XXXX account was already closed as I told those Capital One customer representatives ( I have no idea why they suggested me to do that knowing the account was already closed ).
During XXXX and XXXX, I called Capital One customer service a few more times. They kept telling me that XXXX never released the fund from the check I deposited on XX/XX/XXXX, and told me to contact XXXX. As XXXX already merged with XXXX, I went to XXXX XXXX and also contacted XXXX customer service a few times. Long story short, XXXX did open a claim for me and spent time to research my transaction. On XX/XX/XXXX, they called me to confirm again they had proof that they did process my check and released the fund to Capital One. XXXX representative also mailed me a letter with all detailed information of the processing as a proof of payment to forward to Capital One. I called Capital One again and provided all the proof to someone who seemed to be at supervisor level. He promised me the escalation team would look into it and he had all the details from my first call in XXXX up till now with the detail from XXXX Bank that I provided. I asked for next steps if I dont hear from them and he said they definitely call me.
Capital One never called me as promised. Instead they sent me an email on XX/XX/XXXX and told me about the XX/XX/XXXX check deposit and that it was reversed because the check came from a closed account, which was not the issue under discussion since the beginning.
I sent them a reply and explained the whole situation again and emphasized my complaint is about the XXXX deposit check of {$2000.00} on XX/XX/XXXX, which XXXX said and provided written proof and detail of payment to Capital One but Capital One never deposited to my account and told me they never received the fund.
I have not received any response from Capital One after that. I have done my best to inquire all information from both banks regarding to the XXXX check deposited to Capital One on XX/XX/XXXX. XXXX also already provided me with all details of their payment to Capital One regarding that check. In the past 4 months, Capital One has not shown any efforts to even understand the issue or look at the issue professionally. All my contacts with them were a waste of my time at this point.
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06/27/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
My complaint is about both Capital One banking and credit cards. I had XXXX credit cards, both of which were paid in full each, and XXXX savings accounts, one for myself and one for each of my XXXX XXXX. I am a victim of identity theft and someone has been trying to use my personal information to open accounts.
On XXXX I received an email from Capital One that my username had been recovered. I called right away and was told they had no record of it and I was assured that it was nothing to worry about because no one could access my accounts without a password. I changed my username and password.
On XXXX I received another email that my username had been recovered, I called again and was told the same thing as my previous call. I changed my username and password again and created new email to use for Capital One.
On XXXX I received a large number of emails from Capital One over a period of less than XXXX minutes : your username was recovered, your password was reset, new device used to sign in, we've updated your phone number and we've updated your email address. I called Capital One right away and once again was given no explanation how this happened. Capital One representative corrected my phone number and email address, locked both of my credit cards and arranged for new cards to be sent, then blocked online access. They also set up XXXX step verification to confirm that they were speaking to me when someone called about my account.
On XXXX I received an email about unusual activity on one of my XXXX XXXX accounts, this came to original email I had used prior to XXXX, nothing was sent to my new email. Called Capital One but could get no information because of bank holiday. XXXX step identity verification not requested to confirm who was calling. Through the conversation with the representative I found out that XXXX calls had been made about my account on XXXX, these calls were not made by me and the representative could not give me any information about them.
On XXXX I called again and found out that new accounts had been linked to my savings accounts and transfers set up to move money out, email address and phone number on my accounts was not mine, rep said she would remove fraudulent accounts.
I requested that all XXXX savings accounts be closed and my money be transferred to my checking account at a different bank. Again XXXX step identity verification had not been asked for.
On XXXX I received the new credit cards, I received XXXX cards for XXXX accounts. I called Capital One and found that one of the cards was for a fraudulent additional user that had been set up on my account. Once I regained online access I found that my email address and phone had not been corrected and there were additional accounts still linked to my accounts. Again additional verification of identity was not asked for.
On XXXX I got another email saying my username had been recovered, I called yet again and was told that if someone else had my ss # number, date of birth and name that there was no way they could be prevented from accessing my accounts! I had had enough at that point and closed both of the credit card accounts.
Bottom line is that Capital One is not verifying who is accessing accounts, you simply click the forgot username or password link then enter the information to recover the username and reset the password. There is no text or email sent to confirm the identity of the person trying to access the account. Not being able to keep these accounts open has done significant damage to my credit and because of the identity theft I am not able to open any new accounts at this time.
|
04/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Last Fall, I ordered items from XXXX XXXX for delivery and placed the order on my Capital One card. However, some of these items were not delivered, and though it was only about {$25.00}, I decided to dispute that part of the charge through Capital One ( case # XXXX ). That was my big mistake.
After receiving a letter outlining the numerous steps required to make a claim ( including a demand for a " second opinion '' from another merchant, on its face an absurd request, as no intelligent company will offer in writing an opinion in such circumstances ), I decided to withdraw my claim. I made clear my feelings on these demands for such claims, and said I would be looking to take my business elsewhere when the account was settled and straightened out. In fact, I phrased it this way ; " Please put all legitimate charges back on my account so I may pay it in full and close out this account. I will take my business elsewhere while I decide how to pursue this matter further. '' From this, several months later ( XXXX XXXX XXXX XXXX ), someone decided to close this account, without such a request from me, or without notifying me of any such action. The claim was that even without an actual request for CapOne to close this account, someone did so, months after the letter was received and many more months after the original claim. I only knew this happened because I attempted to use the card and was embarrassed to have the merchant tell me it was declined.
I called to CapOne 's " customer service '', spoke to Employee XXXX, and was told only then of the closure. The reason given was that I had requested it be closed. I inquired when and how that happened, and only after some time was it claimed that my original letter to CapOne was a request to close the account. I also inquired how Capital One closed accounts, and what information was required in order to perform that task. After quite a few long pauses and some " ummm ... uhhh ... '' I was put on hold so this person could " research '' the facts. I was then told that such information was " proprietary '', and not available to customers. In other words, if someone wants to close an account, we apparently have to guess at what information Capital One needs to perform this task.
As both this conversation as well as the requests made in order to dispute a claim seem on their very face to be completely absurd, I am writing in search of answers to the following : Can they really require a statement from a third-party merchant simply to dispute a charge?
I had intended to close this account at some point, but clearly no such request was made specifically in my original letter. How does the CapOne staff see a demand to close an account in the statement listed above or in the original letter?
If indeed that was a request to close my account, it was made in Fall of last year, and the account was only closed in XX/XX/2019. Why the massive delay?
Who specifically decided this letter represented a demand to close the account?
Why was the representative I spoke to in XXXX so unable to answer my questions? I hope you can retrieve the recorded call. I asked her to maintain the call, and for a reference number for the call itself, but was told no such reference exists.
How will this closure be reported to the credit monitoring bureaus?
Why can CapOne not provide customers direct answers to direct questions? How to close one 's account should be basic, and have a simple answer.
I hope you can give this issue the attention I believe such questions deserve. Thank you for your time and attention to this matter, and I look forward to a reply soon.
|
03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
My e-mail address : XXXX In summary : capital one is forcefully closing my credit card despite my perfect payment history and countless attempts of reaching out and resolving the problem. This is one of the oldest credit cards I have, so having this line of credit closed will be detrimental to my credit score. I have repeatedly expressed my concern for this and have been patient and cooperative, however their administrative incompetence and lack of communication has made it impossible for me to resolve this problem without governmental help ( thank you cfpb ) Timeline : XX/XX/XXXX : Opened credit card ( ending in XXXX ), perfect payment history for 2 years. I was living in XXXX at the time.
XX/XX/XXXX : I have moved to XXXX for work, the phone number ( XXXX ) I had used in XXXX for the two-factor authentication to log in to the capital one online profile is no longer in use at this point.
Approx XX/XX/XXXX : After multiple calls with capital one in attempt to log in without using my phone number, they had told me it was impossible for me to log in without a US phone number. This meant I could not check my statement online, so I locked my card. My plan was to obtain a US phone plan next time I was in America. With COVID restrictions, leaving XXXX was very risky ( XXXX closing boarders ), so I have been staying in XXXX since then.
XX/XX/XXXX : I got an e-mail from Capitol One saying that my account will be closing in XX/XX/XXXX due to inactivity. The e-mail instructed me to use the card at least once to keep the account open. Since my card is locked, I needed to unlock the card first.
XX/XX/XXXX : Case number XXXX. I called the customer help phone number to have my card unlocked and was told that I needed to verify my identity. I submitted a picture of my drivers license immediately, and was told that the verification can take up to 2 weeks.
XX/XX/XXXX : Since I got no word regarding the verification, I have called them again to check on the status. It turns out that the verification was denied due to the picture being blurry ( it was not blurry in my opinion ). They said they had called my old number ( XXXX ) to notify me. I had told them repeatedly previously that the phone number is not in service anymore, and I have reminded them that fact again. This phone call took hours, I was transferred to multiple departments without them transferring the information, thus I had to explain my situation 4 times. I have resubmitted my drivers license photo, which was approved. They told me they would send me a new card ( ending in XXXX ) for me to activate and use.
XX/XX/XXXX : The new card ( ending in XXXX ) arrived, and I have called capital one customer phone line to activate my account. They have told me that the credit card number can not be activated for some reason, and they told me that they would send me another card with a different card number ( but on the same line of credit ). They have told me that they have expedited the shipping and the new card would arrive in 4-6 business days.
XX/XX/XXXX : The card has not arrived yet. My account will close on XX/XX/XXXX if I dont unlock my account and use the credit card. I am livid, and I am scared that my account will close.
Other notes : I have other bank accounts and a credit card in the US, and I have had no problem logging in from XXXX. Capital ones insistence on using cell-phone text authentication without any other options ( email etc ) is a major hindrance in their online platform functioning, and is inconsiderate for those who live overseas despite them touting themselves as being a versatile global company.
|
09/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I 've had my car for almost 2 years and I have had nothing but problems with capital one auto. I am behind on my payments due to job loss and I have repeatedly asked for payments to be put on the back to help me catch up. I was told in XXXX XXXX if I paid {$130.00} by XXXX XXXX XXXX past due payments would be put on the back, I paid on XXXX/XXXX/XXXX {$130.00}, payments were never put on the back. I made a payment of {$390.00} on XXXX/XXXX/XXXX and a payment for {$400.00} on XXXX/XXXX/XXXX. I am called up to a dozen times a week, several times a day by capital threatening if I do n't give my bank account information they will come and get my car. I have a 12 day grace period from the time my payment is due on the XXXX of the month to pay my payment, which now Capital one auto says is only 10days and only for late fee assessment. I was told today that my payments were 78 days past due when I asked how that was possible, I was told we do n't count the grace period that 's only for late fees to be assessed. Capital one refuses to send me any kind of proof that my car will be repo within a certain time instead I was told to call back on XXXX/XXXX/XXXX to speak to the repo department. I called back XXXX/XXXX/XXXX to speak to the repo department to see what the procedure was and was told I could n't speak to them until I was sent to them. I do n't believe there is such a department and they are just making empty threats trying to get my bank information. I was told was told by several Capital one auto reps that the account had to be over 108 days past due for repossession occur and as of today I am supposedly at 78 days, but if I do n't give bank information today they will start that process on the XXXX. I am not trying to avoid making payments I am trying to catch up but capital one will not assist only make threats and policy changes every time I ask for a supervisor, which I have never been transferred to yet. Supposedly today XXXX/XXXX/XXXX I was transferred to the office of the president but I do n't believe I was ever transferred, the person I spoke to only wanted to send me to someone else who was another rep, I hung up. I submitted a complaint to the XXXX and received a response from Capital one office of the president which contains falsified documents that I never received and have payment proof that what they were saying is false. I was never provided a copy of my loan policy the only thing I was given was the bill of sale which Capital one auto says is my policy from the dealership I purchased the car from. I only receive payment statements every 3 months or so, which I have addressed for nearly 2 years with Capital one auto. I checked my credit on XXXX/XXXX/XXXX to find they had reported I was more than 90 days past due for {$810.00} which according to their own records does n't add up. I have no idea what is past due and how long because Capital one auto refuses to send me any paperwork proof I have requested numerous times since XXXX XXXX. I even requested the proof in 2 separate XXXX complaints only to be provided with payment statements from XXXX and default letter from XXXX which I never received in the mail, and neither have anything to do with this issue. My account balance has never went down in nearly 2 years instead it stays near the purchase amount for the car. I have asked for proof where my payments are going only to be provided with a statement through the XXXX complaint that has payments missing and incorrect payment amounts. I have asked numerous times for calls placed to and from Capital one auto to be reviewed and was told they had and called a liar.
|
08/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
Hello, I made a purchase at a Kohl 's for XXXX on XX/XX/XXXX of 2018. I always pay my full balance in the store, but their was an issue with their computers and they were unable to process using my debit card in the store to pay off the credit card. Thinking that I would later receive the bill, I forgot that the payment was never actually complete. I never received a bill for this amount. I only received a letter from Kohl 's after my account was more than 30 days late. I called them and they removed the XXXX dollar late charge, and they admitted that they did not send me a bill because I was on paperless billing and I needed to make an account and pay online. I had never even made an online account to be able to pay or even see the bill, so it would have not even been possible for me to pay or see this bill. I received no electronic version of the bill either.
Over the phone they understood and removed the XXXX dollar late fee, but still reported this incident to the credit bureau as a late payment. I called them to attempt to have it removed and they refused to do so unless I wrote a letter explaining the situation, which I did. They wrote me a letter back saying they were not legally allowed to do so because the payment was paid late so they have to report it as such. I know this is not true as I have read online about similar scenarios with other companies who have removed late payments that were essentially the fault of the company. This is clearly an example of that. Although I do bear some responsibility, the company had many more chances to avoid this than I did.
If their system had been working properly, I would have paid in the store as I always do. If they had a mechanism to send a bill if a customer has not even signed up for their online account to pay for it, I would have also paid it. Shouldn't the company know that I have not even made an account in order to pay the bill? They could easily set up something that sends a text alert or an email or something to someone who is about to have a late payment, but of course they won't do that because it makes more money for them. They have to make it as likely as possible that you will have a late payment.
The fault that is mine is forgetting about the purchase not being complete due to their error, but that is such a minor oversight and there were many ways in which the company could have avoided this and only one way in which I could have. Should the onus really be on the customer to remember that Kohl 's servers were down, and to rush home and make an online account on the off chance that Kohl 's will not send them a bill in the mail like every other company does? That seems ludicrous. If the company wants to save money and the environment by going paperless I am 100 % for that, but in cases like this it seems so obvious that I shouldn't have a 7 year mark on my credit for something that was mostly their fault.
As a side note, this incident is totally against the spirit of of what a credit score is supposed to represent. A late payment is supposed to reflect someone who was unable to make their payment on time and is therefore more risky to lend to. It is not supposed to punish someone for years who didn't receive a bill from a company. I still find it hard to believe they did not remove it, but here we are. I can not understand how any reasonable person would find that they can recognize their error enough to remove the XXXX dollar late charge, but still want to hurt my credit.
Hopefully you can help me, thank you.
Here was the reference number on the late charge being refunded Reference Number is XXXX
|
06/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
I was promised that an outstanding loan of my totaled car would be paid off/included with getting me into a new car loan, now I have XXXX car loans. I explained to the sales rep XXXX XXXX XXXX XXXX that my car was totaled by an uninsured motorist and I still owed at the time just over {$5000.00} on the car, I was shopping for a new car with having the remainder of the totaled car included. XXXX wrote all my info down plus the totaled car 's info down, along with what I could put down which was XXXX. He took that info with him to the finance department to see what I could get approved for. When he came back we discussed that while he was able to get me in a car with taking care of the $ XXXX, the payments would be higher, but I was with the same loan company. I was reluctant so they had a fiance negotiator come give me this long talk and try to get me to put money down. I explained to them that I did n't have a down payment, also that I was n't shopping for a car out of luxury, the accident left me with no other choice. I advised that I would settle with the higher payments considering to myself the loan amount was more this time around.
When filing out the " we owe you '' form, at the bottom it under, you owe us there were XXXX items listed that I inquired about. They were my license, insurance card, and trade in. XXXX advised me " trade in '' represented the totaled car they was covering. Not being a sales rep, I trusted that. I signed all my paperwork and went on my way. The week of XXXX/XXXX/16, I received a late payment notice from Capital One Auto, that lead me to call both Capital One ( spoke with XXXX, Resolution Specialist, sales ID XXXX ) and XXXX ( a very rude sales manager named XXXX ). Ultimately I was told that the sales rep was not only brand new at the time I bought my car, but he had since been fired. After several back and forth calls, I submitted a complaint with the XXXX XXXX, AL. XXXX XXXX, Owner Loyalty Manager of XXXX contacted me by email first than by phone. We talked by phone about 3 times as she advised me they were wanted to resolve the situation. She scheduled for me to come in XXXX/XXXX/16, explaining that worse case scenario, they may have to put me in another car, but they would get it resolved. I was given the expectation that on XXXX/XXXX/16 I would be coming in to redo paperwork and get on with my life having XXXX car note. I left Friday being told that they needed to work on it more, Monday XXXX/XXXX/16 was a holiday so it would be Tuesday, Tuesday turn into today, Thursday XXXX/XXXX/16. Today I was told by another sales rep that they had handling the my situation that there was nothing they could do to resolve the issue. They were trying to get another bank to approve me for a loan amount that cover XXXX loan amounts that I now have with Capital One and of course no bank will approve me having XXXX outstanding car loans already. I asked did the General Manager XXXX, whom also gave me his word they would clear up XXXX mistake and get my issue taken care of, have his hands in it, and I was told he was out til Monday. So now, I 'm being put off til Monday ... I walked into XXXX on XXXX XXXX, 2016 with a folder containing, a bill from Capital One showing the pay off amount, my check stubs, my accident report, my car insurance card. I gave the sales rep all the info needed on the totaled car including what my monthly payments were. I was responsible about my business. Capital One approved me for a second loan which puts my debt to income ratio out of wack I 'm sure. I was taken advantage of and now these no one wants to correct the situation.
|
10/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
Kohl 's charged off credit card is showing on my credit report as being charged off. On XX/XX/XXXX I contaced Kohl 's to attempt to settle this debt. Kohl 's said a third party, XXXX, had my account and I needed to contact them. I contacted XXXX ( XXXX ) XX/XX/XXXX and was told that due to the age of this debt ( they mentioned it was over 4 years past due : last acct field XX/XX/XXXX ) they could n't take payment even if they wanted to and would have to send back to Kohl 's. I immediately called Kohl 's back and was told the process would take a few days if XXXX was actually going to send back the account.
Over the past couple of months, I have talked to Kohl 's reps several times attempting to settle the account. Their offer got down to about {$1100.00} to settle on XX/XX/XXXX and XX/XX/XXXX which I did n't take. They called me periodically and there were 5 instances where they called in the XXXX XXXX and XXXX XXXX. hour. I brought this to their attention and they did not stop calling at these times, but blamed it on their dialer. I advised them this was in violation of the CA FDCPA and wanted my account marked settled in lieu of filing with a list of agencies including to bring suit for a possible XXXX award. They did n't seem to care. One employee actually said it only mattered where the call was being made. I told her that was ridiculous and untrue, since that would mean someone in another area could then reason to call me in the middle of the night. Once someone apologized for the inappropriate calling times.
Several times in these interactions with Kohl 's I was told they could not settle with me because the account was still with XXXX. When I called to attempt to settle, I never knew if they were going to say the account was with Kohl 's or XXXX, as one day it would be with Kohl 's ( and we would try to negotiate ) and then the next week supposedly with CCS ( then they could n't negotiate ) and back to Kohl 's again.
On XX/XX/XXXX I called Kohl 's to again attempt to get this debt off of my credit report by settling. On this date I was told by a supervisor that my account had gone back to CCS. He said he did n't know why anyone at Kohl 's had tried to settle with me, because since it was Charged Off they would n't be able to accept anything less than the full amount due ( {$1900.00} ). I told him I 'd received several offers from Kohl 's. He did n't understand why and he said he could n't help me anymore. I called XXXX immediately and was told, again, that they could not take any type of payment for me and had sent the account back to Kohl 's on XX/XX/XXXX and there had been no further activity on the account. They said even if Kohl 's sent back that day they could n't try to get payment on it or take any payment.
I called Kohl 's back again XX/XX/XXXX! The person I talked to said there was nothing else that could be done, that she could n't help me. I made her aware that I could n't pay Kohl 's, and I could n't pay XXXX, so I had no way of clearing this debt. She understood but said she could n't do anything. Supposedly she 'd try to submit my account for some sort of review and they would get back to me in a few days. I have not heard or received anything.
I can not settle this debt, there is no one I can pay or negotiate with! I even submitted a credit report investigation out of desperation XX/XX/XXXX, but it did n't change anything. Kohl 's remains on the credit report listed as charged off. I need to resolve this as soon as possible, as by now it 's the last old debt I had to take care of.
What do I do?? Thanks for any assistance you can provide.
|
02/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
On XX/XX/2023 We went to capital one bank in XXXX NJ to open an account with a check from a job we need complete.
Check was for {$30000.00}. I was in the bank personally and asked XXXX about the funds being cleared to be able to operate. They gave me a confirmation and so we opened a business account.
We only had 2 check and no cards from the bank.
I wrote 2 checks one for XXXX and XXXX for XXXX to pay contractors.
the XXXX check was cleared fine but the XXXX bounced with " refer to writer '' or something.
I went to the bank immediately as I was not informed of anything by the back. no call email or anything. At the branch I find out that the person who opened my account mistyped my SS #, brought my card to the branch filled a form they made copy everything should be ok.
Tried to get feedback at the back for 2 weeks, no answers at the branch and when they put me on the phone with some type of BACK OFFICE agent the final conversation was that I needed to wait and that the account was being investigated.
I've provided them with everything they asked including contact for my landlord, copies of the XXXX for the job. copies of other check from this client that was made out to us.
Wrote 13 email to the contacts provided by the bank and have never had one reply to my email not even with status.
I've received a letter saying that the account was closed, then a letter sayin the account was set for deposit only. On the phone they say the account is closed but I have nothing regarding my funds.
I have a letter that I've asked for in the branch showing my balance.
This is an email written to the bank " This is for a XXXX checking account ending in # XXXX.
Obviously you must have all the information on your end.
I do understand we are ending/closing the account with capital one which very well be a blessing.
I have been trying to get information about what was wrong as well as the timeframe for this process to take place.
3 weeks have gone by with no contact whatsoever from the bank. I've sent emails to the contact I had and did not have one reply.
Tellers and managers at the branch kept repeating the same things over and over, requesting documents that were previously submitted, your back office requested information to be brought to the branch after XXXXne week of us visiting the branch to resolve this issue.
These funds are part of a project that is now very much on the line because I can not operate my business.
We have accrued a lot of fees for ( returned check ) that i wrote with 100 % of certainty i had the funds because i had checked prior and spoke to my bank XXXX.
I only had XXXX checks and made them out to $ XXXX and $ XXXX. where the one compensated and the second one did not as you can see. So you can imagine the burden this situation has caused on my business. Regardless of the past issues I've addressed for information purposes.
At this time my understanding is that our funds were still not sent back to us.
Please confirm this information.
We need to know how long your protocol may take. 3 weeks is way too long for this hold to take place. We have financial responsibilities and this is crucial at this time.
I need to inform professionals that I'm in fault with some type of information regarding the release of my funds.
Please take the time to elaborate this answer as my business is in a crisis.
We look forward to your feedback.
Thank you in advance for your time and attention to this matter.
Sincerely " Please advise what can someone on my place do at this time. Our business suffering daily and our projects becoming liabilities.
Regards
|
06/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I reported as fraud the purchase of {$610.00} and {$190.00} to XXXX XXXX and XXXX XXXXa which posted onXX/XX/XXXX and XXXX on my account, respectively. My credit card had been taken by an individual whom I was living with at the time. My Capital One credit card had been locked at the time. The individual who took my card, and was later confirmed by a fraud department supervisor, that they had received a call from a number not known to be on my account, the individual supplied their own information and was able to have the account lock lifted despite not being an authorized user.
I had received an account credit for this on the basis of the employee failing to secure my account to unauthorized access and was advised they would be disciplined for such a lapse. I started receiving calls from an investigator, XXXX, from the Capital One Fraud Department for a call back about a recent claim, meanwhile these calls only started coming in over a month after the claim was filed and I had already received my credits. I attempted to call back this investigator multiple times unsuccessfully but later spoke with a representative who had connected me with an Account Services Specialist who did affirm there were no issues related to my account as related to fraudulent transactions or any other factor. This investigator at no time left a coherent message that I could understand nor attempted to send written correspondence to attempt to contact me regarding additional information.
I signed into my account online for a routine check to find out that these charges were reapplied without my knowledge today,XX/XX/XXXX. I called and spoke to another supervisor who transferred me to a department manager who would not answer the majority of my questions related to re-opening this investigation as their investigation clearly did not take into consideration their security lapse and only focused on the residence of the suspected individual. He insisted I contact law enforcement and submit documentation to this effect yet did not make any guarantees this would result in an outcome where I am not stuck with a total of {$810.00} in unauthorized charges. In fact the original supervisor who processed my complaint affirmatively stated no further action on my part would be required.
I pressed the manager for information specifically related to the investigation process or how the bank would handle an investigation process or cases of fraud. I cited online that online it says I have a {$0.00} liability and that I did not see anything in my Terms and Conditions related to this process before I had signed up for the card. The manager initially refused and then was unable to find anything in the paperwork regarding this as well.
Only after 2.5 hours on the call was I provided partial information for the Executive Resolution Unit that I would apparently have to appeal for. Capital One 's position is that because I know the individual, there is nothing I can do and citing almost verbatim the words of the manager, I would be XXXX out of the money. My position is that Capital One 's egregious security violation, in allowing an authorized person to supply their own information with my credit card number to lift a lock I placed, approving such a transaction, posting publicly available on its website that there is a {$0.00} liability protection and then unable to find any terms and conditions related to an apparent inability for the bank to act to shield its client constitutes a violation of the terms of contract and Capital One being directly responsible for why those charges were processed to begin with.
|
11/25/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Hi.
I 've been getting the runaround by both Kohls and our bank regarding {$1800.00} that was improperly taken out of my checking account on XX/XX/XXXX through two separate transactions. Attached are the bank statements showing the withdrawals? In short, Kohls said that the problem is the bank 's because it 's a bank fraud issue. The bank said it 's Kohl 's problem because they submitted incorrect information and they need to reverse it. We do not have a Kohls credit card. We never had one either.
Neither will help me.
Also, the bank wo n't help me because they said we only have 60 days to dispute a charge. I pushed them about this asking if this was bank policy or law and they suggested it was bank policy, not law. Still, no one at the bank will do anything.
I also explained the extenuating circumstances. I 'm going through a divorce. Me and my wife separated on XX/XX/XXXX. ( Yes, XXXX. ) I have n't lived at home since. The charges were just three weeks later on XX/XX/XXXX. Since we have a Kohl 's nearby, I assumed my wife bought new clothes for her and her dad. And since we just separated and emotions were high as a result, I did n't question the transaction. However, now that our divorce is proceeding, a few months ago we started looking at detail transactions. When this transaction was discussed, she said she did n't make this charge. I did n't either. So I looked into it and found out neither of us did.
I 've spent many hours going back and forth to solve this, calling Kohl 's at least four times and the bank three times. Except to a fax I sent Kohls ( see attachment ), everything I have is verbal.
If you look at the attached backup that the bank gave me, even though Kohls clearly made a mistake, in my less than legal opinion the bank is the one who really messed up. Aside from the bank account number, there is nothing on the attached ACH information that accurately identifies our account number with us. The name is incorrect. There is n't any matching address. No matching social security numbers. No matching birthdays.
So it does n't appear to be a case of someone stealing my ID.
To me, it 's insane that the bank would allow a charge to go through without verifying the account belongs to that person. Every time I call the bank or credit card company they always ask for verification, either social security number, birthday, password, a secret question ... something! There is nothing on the attached file which identifies that charge to us.
You would think that the name alone not matching would have triggered a red flag!
I pressed XXXX on this. I asked them if they verified that the account number that is provided is accurate before processing a charge. They dodged the question saying that it 's up to Kohls to provide proper information. And even so, they wo n't do anything about it because it 's over 60 days. They said that Kohls needs to submit a correction.
But I spoke with a manager in Kohl 's credit card area and they were adamant that they wo n't do anything and that 's it 's a bank fraud issue. I did share this information with Kohls. So they know they submitted a bad name associated with our account.
I feel helpless. My divorce attorney forwarded me to your organization and said they might listen to you. They are not listening to me at all. The amount is too small for an attorney to take on and, to be honest, I feel uncomfortable about going to small claims court. I called the CFP on XX/XX/XXXX and they suggested that I file my complaint in this section.
I feel you are my last hope.
Thank you in advance for your help.
-XXXX XXXX
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08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was given a damaged/defective sectional from the furniture company XXXX XXXX back XXXX XX/XX/XXXX. I contacted the merchant to advise them that the wood frame in the back of the sectional sticks out and hurts your lower back when you sit on it. I tried to work with this company to resolve the issue with my sectional. They gave me replacement cushions which did not work. I requested everything, return for replacement, a return for refund or an as-is credit that would fix this issue and they refused to assist or hung up on me or gave me the run around. I continued to go back and forth with XXXXXXXX XXXX for a while with no resolve and finally gave up and contacted my Capital One card for the {$1200.00} dispute and submitted all my documentation they requested be submitted by XX/XX/XXXX. I submitted and have proof that I submitted all documentation to the Capital One upload link they provided me on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Capital One then told me that the 2nd opinion I provided needed to be on a company letterhead. I requested and sent them another 2nd opinion on a company letterhead from another furniture company too which I then submitted to them. I have spoke with numerous agents at Capital One that all made me think my claim was almost resolved and that I would be receiving my money back soon. They told me all they needed was my 2nd opinion on a company letterhead. I was able to provide that to them & I spoke with another Capital One agent on XX/XX/XXXX that confirmed they received it through the secure link and even said he opened it and confirmed this was all the information they needed out of all the documentation I sent to them. I asked when I should receive my money back and the agent said that the back room takes the documentation and then once confirmed I would get my money back. However, after XX/XX/XXXX I never heard back from Capital One & no one contacted me about my case being closed. I then received a letter 3 days ago ( but is dated XXXX ) stating that my case was closed due to the timeframe for this charge expired. They refused my claim and misled me into believing that I could submit my documents to them and get my money back and then closed my case after I submitted everything they requested from me. This is a violation of a customers rights to mislead them into thinking Capital One is helping them, when in fact they advised me that my case was always going to be closed regardless of what documentation I sent. I couldnt believe what I was hearing. I spoke with a Capital One supervisor on XX/XX/XXXX & again on XX/XX/XXXX and they just continue to tell me the same thing that my time frame has expired. So essentially they allowed me to believe they would help me, I took my time out to submit everything they wanted and then they stopped caring and closed my case and blamed it on expired time? How could this make sense? I did everything as a customer to try and resolve this with both the merchant and credit card company and I am not receiving any help whatsoever. All I want is for this to be over. I do not want this defective sectional. I have had 2 companies confirm that there is something defective with the sectional including my 2nd opinion from XXXX XXXX XXXX that was sent to Capital One that stated the wood frame was bowed on the sectional and was not made correctly. I just want Capital One to give me back my money. I shouldnt have to keep a damaged/defective item and have to keep this charge on my credit card when I can not use the product and the merchant will not take the item back or refund me back my money. Please please help me.
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01/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Servicemember |
On XX/XX/XXXX I was notified that my credit card was placed on a restricted basis, by the fraud department and that the company Capital One, was wanting to verify my social security # and would only reactivate my card once the investigation was completed. At that time, I contacted the office telephone # on the form letter and spoke with each individual listed was advised of the following :XX/XX/XXXX XXXX -- a form letter was mailed by US mail in the next 5 to 10 days.
XX/XX/XXXX XXXX -- notes show letter mailed, but not received by myself.
XX/XX/XXXX XXXX -- - yes, she reviewed my notes but couldn't help, would have to speak with Case Worker -- ID XXXX.
XX/XX/XXXX XXXX -- he advised me that he couldn't help resolve the issue, couldn't answer my questions as to the relevance of needing my social security # -- indicated that I would need to speak to case worker -- that he would email the individual case worker handling my situation and leave a message requesting that the case worker return my call. Turns out that the case worker 's name is XXXX. Today is XX/XX/XXXXand I have not received a call from XXXX.
XX/XX/XXXXXXXX, spoke with XXXX, she indicated that she couldn't answer my questions -- made contact with XXXX who refused to take my call. I spoke with XXXX 's immediate supervisor -- Case Worker XXXX ( I wrote down XXXX as name, may be different ) who indicated that she was getting from push back from XXXX. Was advised by XXXX ( sp ) that a social security release form was being mailed. ( Did receive on XX/XX/XXXX.
XX/XX/ XXXX -- Spoke with XXXX, wasn't sure why they needed social security information -- as they had this information in my application -- would forward an email request to XXXX requesting that he contact me.
XX/XX/XXXX XXXX -- spoke with XXXX, who forwarded me to XXXX in Fraud Department, who couldn't answer my questions ( XXXX XXXX Department Case Worker # XXXX ), again indicated that he wuls email XXXX, requesting that he contact me.
XX/XX/XXXX XXXX -- spoke with XXXX can explain, as this is policy. Attempted to contact XXXX -- no response, will forward an email requesting that he contact me.
My question is rather simple : Why does Capital One need my social security # at this time, as they have all of my pertinent information at the time which I submitted my original application, which was approved over the phone without speaking to a live human and second -- when I requested an increase in my line of credit, it was granted within minutes of being submitted.
After all of this run-around, I advised the office, that I wanted to close the account and requested that someone of authority, apply my earned rewards points to my account and submit an updated monthly billing, which I would pay immediately. Current balance is {$40.00}, with a rewards balance of {$7.00}. Of all the individuals I have spoken with, no-one has the authority to comply with my request, nor have I been able to speak with a decision maker who can complete this transaction.
Lacking effective communication -- two way communication, hearing & responding to my request in a reasonable manner, just allows this issue to linger in limbo, without being resolved.
My goal is simple -- please have a responsible, decision maker within Capital One contact me, who can explain why after the original application was approved, a request to raise my credit limit was granted and all monthly payments have been completed on time, why they need my social security # verified. Utilizing today " secure '' internet -- what is the real issue here?
My goal is to resolve this issue and move on.
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11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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I had originally applied for a Capital One card, which I never received the first two cards that was doing the height of the Covid situation everywhere, as well like I spoke to your operator on on the phone. I recently moved XXXX years ago. So I immediately contact them to inform them I never received any card why were talking about like XXXX roundabout in XXXX at the hole in the car for about a whole year decided to use it just to get my credit score moving {$160.00} which I put back two days later just to get the credit score moving set in my bank account for almost a month. Direct Payments was made with my XXXX XXXX XXXX XXXX all three times. Now the biggest problem would be at the my XXXX bank set up arrangements while I was on the phone to give my prior authorization to both parties involved with the arrangements the final time. But the problem didnt bloom or create a issue problem till the account which was closed out XX/XX/XXXX XXXX to 4 months later Capital One start sending me notices online about late payments on a close out account which was told to me by them at that time that I was XXXX balance in old nothing in good standing as well as my XXXX XXXX XXXX XXXX said youre account is now closed out on both ends of the spectrum. And immediately after noticing a message on my email from Capital One, I called them with concerns on what is this the account is already closed and paid up why being hung up numerous the time by supervision management one persons name was XXXX the other one was XXXX one of them had enough and density to say to me dont you pay your bills I said what are you talking about? Had my bank on the phone a couple of times with other witnesses I have all documents from my bank showing that everything is paid at that time. But even though at the realizing a mistake was made in their computer data, since they were spelling, my name, incorrect on the closeout account I had to go personally down to my bank to pick up all documentation, showing everything was paid in full. Now Im not only but had to get the business, XXXX XXXX, involved, governor state representative, and the comptroller in the White House and other people and hard a lawyer at XXXX XXXX XXXX due to now they called collusion fraudulent activity wrongfully messing up my credit score hitting every month since after XXXX XXXX months later again about late payments say they made no payments which is incorrect. So keep in mind once again, I must call capital one thousand or more times before this nightmare which led to health problems I have to have two surgeries with a XXXX XXXX and a law and groaning in hernia due to stress. Also at the upmost my credit score moving once again there was originally nothing wrong with my credit just had to have it, showing it was being used no more or less than that before then I had a XXXX credit score. And with that being said while I wait for everything to be cleared and correct it which XXXX going to be and I already started a lawsuit with Capital One Im going to call the CEO XXXX XXXX and leave him a email fax as well thanks in advance. As I continue waiting for everything to be cleared and repaired, as soon as possible due to all the collusion and fraudulent activity caused by them damaging my credit on a closeout account my credit score which has been damaged due to system human errors. And so much ridiculous unprofessionally mishandling by them my account which has become disarrayed that couldve been corrected from the very beginning at the notifying them, but again, thanks in advance, while I wait for this nightmare to be fixed immediately.
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08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is now my second complaint regarding the same issue ( XXXX ). Capital One refuses to help me claiming that I am out of the " timeframe '' to dispute a transaction.
Here 's what happened : I was supposed to get married in XXXX, XXXX XX/XX/XXXX. Due to the coronavirus Pandemic, I had no choice but to cancel our trip. XXXX closed its borders, and they have remained closed until further notice. I paid a deposit XXXX XX/XX/XXXX XXXX to my Wedding Planner {$1100.00} to reserve our ceremony space on my Capital One Credit Card thinking that if something were to go wrong, at least my credit card company can help me resolve the issue. I tried to push out my Wedding to XXXX XXXX or XXXX, and spoke with the wedding planner ( XXXX ) to discuss dates. She was flexible, but the country has not opened its borders and gave me no choice but completely cancel our ceremony. I requested a refund in XX/XX/XXXX, but she did not respond. I then reached out to Capital One to dispute the charges ( XX/XX/XXXX ), and they did so without an issue. I then received a response on ( XX/XX/XXXX ) from my wedding planner regarding my refund. I assumed that she had already been in touch with Capital One, and that is why she was reaching out. I found out on XX/XX/XXXX that my dispute had been declined and charged back to my card. I called Capital One to understand why and they stated due to " insufficient evidence '' and closed the dispute. They claimed to have requested additional information, but I never received any documents stating this throw postal mail OR my account portal. The Rep I spoke with even asked me to double check my smart phone app to see if the document to request additional information was there. IT WAS NOT. I then escalated the call to a supervisor to understand why this happened and how to get my money back. She had to email me the link to upload my documents, and then told me that the information I provided probably isn't sufficient either. I was confused because I submitted EXACTLY what it requested - the original receipt and refund/cancellation notice. I then questioned her again, and she said i should have received a document that stated all of the information needed to dispute the claim. I had to explain, again, that I did not receive this document, it is not in my account anywhere that I can see. Only the Supervisor had access to this " document. '' She then sent me the document through XXXX to review and submit the additional information. She also said that since the claim is " out of the timeline '' that it will more than likely be decline the dispute again. I explained to her that I clearly have all of the necessary documentation, but I never received the request, a phone call, email, or postal mail. I requested to speak with a higher up, but she let me know that I can not speak with the dispute department and that I needed to wait another XXXX business days to see if they would like to dispute the charge. I also asked the Supervisor if she had received a response from XXXX because I had not heard back from them. She said she had not, but they still had time to respond to the dispute. I then asked her why they have a longer time to respond than their paying customer. She had no reason other than " it is policy. '' They have left me with no choice but to submit a complaint because NO ONE WILL HELP ME. If XXXX does not refund my deposit, I will have lost the money because Capital One will not help me dispute the transaction. Capital One is now claiming that I am out of the timeframe to return my funds, when i have proof that the wedding was pushed to XXXX of XXXX.
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01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase at a local XXXX XXXX XXXX on XX/XX/2021 @ XXXX for {$34.00} and there were 3 additional charges made with my card. I only swiped my card one time at the pump.
{$70.00} made also at XXXX {$120.00} made at XXXX {$120.00} made at XXXX Once I realized that there was an issue with my charges I called CapitalOne. The first call was made approximately 2 weeks after the charges, that call ended when they told me I should contact XXXX XXXX first as it would probably be resolved easier with them directly. So I tried to reach the XXXX XXXX- it took me another 2 weeks before I gave up trying to reach anyone and called CapitalOne back. On XX/XX/2021 I filed a fraudulent charge request with CapitalOne. The next day I received a 2nd notice from CapitalOne indicating they were investigating the charges and later the same day I received a notice that they had insufficient evidence that the charges were fraudulent and I was responsible for the charges.
Later on XX/XX/2021 I called and spoke with XXXX and was transferred to XXXX XXXX at the fraud team. He indicated that all the charges were processed as with Chip Use under separate transactions and different times and therefore they were not recognizing them as fraudulent since I didn't report my card as stolen. I called back and spoke with XXXX to get more detailed information and she provided time/dates for the charges. Two charges were made @ XXXX ( {$34.00} - my actual charge, and {$70.00} ) and another charge of {$120.00} at XXXX and another {$120.00} charge at XXXX.
It was at that time I explained that I had purchased my gas at XXXX and then drove to North Carolina where I checked in at a hotel with this same card sometime after midnight that same night. My receipt from the hotel shows me checking in at XXXX in XXXX XXXX XXXX NC XXXX. XXXX tried to research but could only find the final charge that was made when I checked out the next day. I am sure, however that the hotel ran the card when I checked in that same night - they just didn't process it until I checked out. XXXX couldn't do anything else at this point. She suggested XXXX followup with XXXX XXXX, but said I had the ability to escalate the dispute if necessary.
Today, XX/XX/XXXX @ XXXX and spoke with XXXX who transferred me to XXXX XXXX ( CapitalOne # XXXX - he would only give me this number instead of his full name ). I explained the above again, and he said he was sorry he couldn't do anything further. Since the charges were made with the chip and it was impossible for them to duplicate the chip, there was nothing he could do. I asked for more detailed information because I had my card ( with my chip intact ) in my possession and in another state at the time of some of these additional charges. I wanted to know what was purchased - gas, or was it in store purchases- but he couldn't tell me. Just that they were purchases authorized with the chip on my card. He said there was no one else I could talk to and no further action I could take. He said I could take some satisfaction in knowing that I have reached the top and that there is no other service they can offer. I had a few choice words for him at this point, but at no time did I cuss or use foul language. But I might have told him what I thought about my satisfaction that I reached him as the pinnacle of the credit card fraud division at CapitalOne.
I have included my notes and screenshots of the charges. Along with a receipt from the hotel that shows my checkin time of XXXX in XXXX XXXX XXXX NC XXXX is more than XXXX XXXX hours from the location of the 2 extra charges on my account.
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05/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
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Today I spoke with two Capital One customer services representatives ( CSR ) to discuss the waiving of the annual fee for the above-captioned. I was advised that this was possible however, I was recommended to pay the fee as the credit would not apply to the current XX/XX/XXXX statement. After recommending this several times, I asked the first CSR directly that, should I not pay the {$59.00} fee, would Capital One charge me interest and or fees. This was confirmed. I explained that I had no intention of paying and asked whether my failure to do so would result in this being reporting to any credit rating agency. The CSR responded of course Capital One reports everything the credit agencies. I then advised that I wished to cancel my account and that I needed confirmation that I would not be charged interest and/or fees for not paying my annual fee. My reasoning how could Capital One charge interest or fees for an annual fee on a canceled account as it could not be entitled to the fee therefore it would not be entitled to interest and/or fees resulting from non-payment?
I was then transferred to a supervisor who advised that there was no way to waive any interest or fees should I not pay the annual fee. I explained to the supervisor that I had called Capital One in XXXX when I was advised on my XXXX statement that the fee would be charged in XXXX. I was told that Capital One could not honor my request at that time as the annual fee had not been charged yet and to call back in XXXX when the statement with the fee was issued. Once I realized that Capital One had manipulated my efforts to waive the fee in XXXX so that it could charge me the annual fee in XXXX and then impose charges should I not pay it, I reiterated my desire to cancel my account. The supervisor advised that I would have to agree to a disclosure statement in order for the account to be canceled. I advised that I had no intention of agreeing to a disclosure from Capital One given the deceptive practices it had engaged in with regards to my request. I then confirmed with the supervisor that the call was being recorded. I reiterated my desire to cancel the account and that, considering the circumstances, I would not agree to Capital Ones terms and conditions. The supervisor advised there was no one else that could assist with my request. She advised that the account will not be canceled despite my multiple requests.
Capital One was aware in XXXX of this year and at all times prior that it would penalize customers who requested a waiver of the annual fee in the month prior to it appearing on a monthly statement should it not be paid I the month it was billed. It is aware that it is not entitled to a fee on an account for an canceled account. It continues to refuse to cancel an account so that it may impose such interest and fees for its own enrichment. This is a deceptive practice. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111203, title VII, 124 Stat. 1376 ( 2010 ), SEC. 753. Anti-Manipulation Authority. ( a ) Prohibition Regarding Manipulation and False Information, Capital Ones actions are illegal.
I made several requests to cancel my account today with no action taken by Capital One. I am reiterating my desire to do so as of the date of this complaint. I also request confirmation from Capital One any of it affiliated companies and/or third party partners, that it will not impose any interest, fees or other charges resulting from the unpaid annual fee and, confirmation that no report will be made to any credit agency regarding my failure to pay the annual fee.
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08/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Capital One N.A. manages the credit card for Menards Home Improvement Store. My card of 17+ yrs was PIF until I used it in XX/XX/XXXX/XXXX XXXX 2017 to purchase items for painting. Approximate total {$220.00}. Subsequently, 1/3 of the unused items were returned in XX/XX/XXXX for about {$70.00}. My ebill/estatement arrived in email on XXXX XXXX 2017. A few days later ( XXXX XXXX 2017 ), I 1st tried to login to make a payment using my stored/known username & password. Oddly, the system required me to login multiple times - FLAG!! This is what a false site will do when trying to steal your credentials, so I closed the window immediately. Later, on a different device, I attempted to access the credit card directly from the store 's own site ; not failsafe, but fewer fraud events than a emailed link. Still an odd/unusual return : " We will send you a new authentication number. '' Immediately " we are unable to send you authentication numbers, please call us at XXXX. '' But not open at night. I attempted repeatedly and the system ACCEPTED MY USERNAME AND PASSWORD but then stopped, telling me I needed " authentication. '' Finally I got in touch with what must be the dumbest bunch of " security consultants '' on earth. " We 've sent EVERY CUSTOMER A NEW PIN VIA EMAIL '' Oh dear Lord. My assessment of dumbest bunch was smack on the nail head!! Sending credentials thru email TO EVERYONE?!!? Are they mad or just criminally stupid with other people 's money?!? " With XXXX, their security protocols prevent us from sending any codes this way '' Thank you, XXXX!!! " So for the meantime, you 've got no access to your account online but you can make a payment via phone. '' Excuse me??! " You can give us another credit card or all of your banking details via phone, and we 'll process a payment for you. '' ... So you 've made it so I 1. Have no access to my account in ANY WAY except though another human being 2. I can only make a payment thru the LEAST SECURE METHOD POSSIBLE, by making either my CHECKING ACCOUNT INSECURE or another credit card insecure.
3. And if I do n't make my banking information insecure by putting it out over the air to you & God & everyone with a decent police scanner, you will charge me a late fee and report me to the credit bureaus?!!?
Are you NUTS?!!!? They have refused to send me a statement & to allow me to pay via check ( would n't even give me the mailing address when I called in on unidentified lines! ) - " you are a paperless statement, so you ca n't now get a statement and we 're not set up to receive additional payments for all if the XXXX users that do n't want to pay online. '' My reading of the law & credit regulations is such that if the creditor a bridges my ability to access my account, he ca n't charge interest, a late fee, or report to credit bureaus until he has restored to me full, unrestricted access to my account. That is where this stands. As a security professional, I 'm not going to do anything so insane or inane as to give credit or banking information over a open phone line ( nor should you or anyone else unless on a VPN, and still only when alone ). That the actions of the company have made the portfolio insecure goes without saying. I am sick with concern and anger that they 'd PAY someone for advice that a senior in high school knows is total unadulterated crap. Violates every security principle for portfolio account security : never send credentials through the same medium ; never send them enmasse, never do all accounts at the same time EVER. And now I hear Capital One has done this on ALL consumer credit managed accounts!!
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08/19/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This is hereby a legal notice. This is to inform you that my client, XXXX XXXX, has advised me of her best effort to notify you that this debt is invalid. Per her rights under the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978, she has sent you letters disputing both the debt and the validation of debt.
Between the dates XXXX XXXX through XXXX XXXX communication was exchanged between my client and your company. In XXXX XXXX you informed my client of a purchase of debt from your client, CAPITAL ONE BANK ( USA ) N.A . Notifying my client on this communication the requirements of her 30- days for dispute. My Client filed a dispute well within this time frame.
Your company response in XXXX XXXX specifically reflects her request of a dispute received. My client sent you another letter informing you that she could n't locate any information supporting this debt with any documentation she had around the same time.
30-days passed with no response from your company. My client sent a letter in XXXX XXXX notifying you of such absence. My client sent a copy of that letter to the Consumer Financial Protection Bureau ( " CFPB '' ).
Your company 's response to the CFPB has questionable information. My client received a letter from your company on XXXX XXXX, XXXX that contradicts your company 's CFPB response. Both statements : " XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent you the attached letter on or about XXXX XXXX, XXXX, containing validation. '' " In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' show to be inaccurate per your letter received. I hereby considered both above statements to be a fabrication. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978 states that it 's ILLEGAL to deceive the consumer in order to collect on a debt.
Second example of misleading the consumer is the support documentation attached to the CFPB case was totally different than the letter received. This type of behavior puts consumers into a position in which attempts to portray them into paying debt. However in reality they have a valid dispute.
Third example of misleading the consumer is the validation of debt in which is being used. Your company states that my client owes you {$110.00}, however your own client, sent you an invoice with different balance due. You even state in the letter received on XXXX XXXX, XXXX, that " no known un-credit payments, counterclaims or offsets against this account at the date of its sale. '' Which means that your client never received payment, however in the documentation ( " Validation of Debt '' ) received shows just the opposite. My client even sent you a copy of a wire transfer that took place on XXXX of XXXX.
My client also sent a letter to your client and sent copy to the CFPB. Your clients respond with " The debt was sold to XXXX XXXX XXXX on XXXX XXXX, XXXX. We have confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ) and you do not owe us a balance anymore. You may still owe something to XXXX XXXX XXXX and they may be reporting the account to the CRAs. If you have any questions about this, you can call XXXX XXXX XXXX at XXXX. '' Therefore making the documentation ( " Validation of Debt '' ) unverifiable.
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09/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Capital One, like all credit cards, has a feature which allows auto-deduction of the minimum payment required from a customer 's bank account. This is set by the customer, and auto-drafts the money from the customer 's selected bank account.
" Minimum payments '' are of course, only required if there is a balance on the account. Capital One 's system ignores the current balance on the account and only looks a the prior statement balance. What results is that if you pay off your balance during a statement period, ( e.g. after the XXXX statemtent is published but before the XXXX statement is published ) the " minimum payment '' is STILL deducted from your bank account, causing a NEGATIVE CREDIT CARD BALANCE equal to the minimum payment. Depending upon a customer 's budgeting habits, this can also cause an overdraft on a checking account, if, like me, you keep money in an interest-bearing account and move it to the checking account in order to cover anticipated payments.
To add insult to injury, Capital One claims that the only way they can send a refund of this payment which should NOT have been deducted is to mail a check, which they claim takes 10 business days to print before it can be mailed. The result is that when they deduct a {$40.00} " minimum payment '' which is NOT required since the balance on the card is XXXX, they have {$40.00} of my money in their bank for almost a month, after taking into consideration the amount of time it takes to deposit the check at my bank, and for it to clear on their end.
This has been a problem for years, as when this happened I recalled why I had previously stopped doing business with Capital One circa XXXX. In XXXX, the digital banking era, every other credit card I have can instantly reverse an errant payment, especially one that appears to violate the terms of the agreement, which does NOT require payment if the balance on the card is {$0.00}. Capital One customer service does not consider this to be a valid complaint, insisting that if I set up auto-payments that I am authorizing the payment to be deducted, regardless of whether I have already paid off the balance. This is nonsensical and seems to be a violation of the law. Payment is NOT required if there is no balance, and their programming should reflect that. Furthermore, if they can auto-deduct money from my account they can certainly send it right back automatically, rather than " play the float ' on errors made by their poorly-programmed system. By the way, they told me that they have to mail a check DESPITE the fact that I have a Capital One checking account to which they could certainly deposit the {$40.00}.
They are losing my business except in the most tangential way, since I do not want to close a credit account and hurt my own credit score. However, I do not intend to prioritize this card in my usage. Capital One does not seem to care about this, and it seems to me that this " error '' in programming, at scale, amounts to a large free loan of money to Capital One when multiplied over the millions of customers they have. Certainly, they should have to pay interest on money deducted from my account errantly, for the entire period that the money is missing from my account, since it is their policy to use a XXXX XXXX rather than a XXXX XXXX system for credits. This is an easy programming fix, and Capital One actually touts their " modern, agile '' tech department to IT professionals like me - this could be fixed if they wanted to, fairly easily, by adding one line of code that stops payments from being deducted on a " current XXXX '' balance.
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07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DUE TO MY SOCIAL SECURITY NUMBER IS WRONG, YOU ARE REPORTING OF MY LAST XXXX ( XXXX ) AND THE CORRECT LAST FOR OF MY SSN IS ( XXXX ) The following account was not made by me : XXXX XXXX XXXX XXXX OPEN XXXX DATE REPORTED- XXXX, CREDIT LIMIT- {$670.00}, BAL {$530.00} ( CLOSED ) UNIVERIFIED XXXX XXXX XXXX ACCT:XXXX, OPEN- XXXX DATE REPORTED XXXX/XXXX/XXXX, CREDIT LIMIT {$1300.00}, BAL {$540.00}, available- $ XXXX ( CLOSED ) - UNVERIFIED XXXX. XXXX ACCT XXXX, OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, CREDIT LIMIT {$0.00}, BAL {$910.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX ACCT : XXXX, OPEN XX/XX/XXXX, DATE REPORTED XXXX, CREDIT LIMIT {$1000.00}, BAL {$1300.00} ( CHARGE OFF ) AND ( CLOSED ) UNVERIFIED XXXX XXXX OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, BAL {$900.00} ( COLLECTION ) AND ( CLOSED ) -UNVERIFIED XXXX. XXXX XXXX XXXX XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$530.00}, BAL {$0.00} ( PAYAS AGREED ) ( CLOSED ) UNVERIFIED XXXX. XXXX ACCT : XXXX, DATE OPEN XX/XX/XXXX, DATE REPORTED XX/XX/XXXX, HIGH CREDIT {$68.00}, BALXXXX ( PAID AND CLOSED ) UNIVERIFIED As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
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08/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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RE CapitalOne Case : XXXX You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER.
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed.
Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part.
You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.
Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
XXXX : XXXX [ XXXX XXXX ] Without Prejudice, without recourse
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07/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hello, I have been a cardholder with Kohls since XXXX. All of my payments were made on time, via auto-pay. They always have been on auto pay, as all my other payments have, to ensure there are never any lates. I work in finance and credit, so credit is EXTREMELY important to me. In XXXX of XXXX, I got a call from my bank telling me that Kohls was trying to pull a payment but was missing a XXXX on their end. Oddly, on my Kohls dash, my account number was correct. My bank told me to call Kohls as the payment would not go through due to the missing digit. I call Kohls, and the woman I spoke to repeatedly told me the payment was pulling fine. It did not. They charged me some {$30.00} late fee. I called and they were able to fix it. This is even relevant because it shows a precedent in Kohl 's making errors when it comes to buyers/ payments. Fast forward, today ( XX/XX/XXXX ) I have a missed phone call from Kohls. I go onto my account and showing a late payment of {$9.00}. I then see that they reported me late to the bureaus, knocking my score by XXXX. I immediately call and talk to three ladies. The first told me there was nothing she could do- she didnt see auto pay on my account. She also kept insisting they didnt report me late to the bureaus and I told her I was literally looking at the marks on XXXX and XXXX! Both indicating I was delinquent! The second lady told me all I could do was dispute with the bureaus- they couldnt do anything on their end, and kept saying it wasnt their error, to which I said it is, because I had never, ever cancelled Autopay, nor had even been on the Kohls site in months. I told her I would NEVER turn off my autopay, ever. She then transferred me to another lady, reluctantly, as I told her I needed to speak to a supervisor. She told me her supervisor was busy and someone would call in XXXX hours. I told her this wasnt acceptable- this was really important to me! By this time I am in tears. I explain to her that this has got to be another error on their end, I would never allow my credit to tank over {$9.00}. She then tells me that if my account goes to a {$0.00} balance, which it did for several months the system will kick off the autopay! How would I know this? I put it on autopay so I dont have to keep track of it. She was kind enough to escalate my case to a team that will review this and make a decision within 25 days as to whether or not they will reverse this late from my record.
Honestly, I am devastated. This completely ruined my day, made me cry, and I can not believe that a company I shopped at for years would turn off someones autopay when it is a {$0.00} balance, only for me to purchase something, and have no idea it was off autopay. A {$7.00} dollar rug is what it was. I work in finance and credit, and this is something that could damage my job. I also felt the first two ladies I spoke with didnt really understand or care about my credit or concern here. One of them even told me her supervisor was busy and I insisted this could not wait- that it was really troubling to me. I really do not want to have to wait 25 days on this only to find out that nobody will be helping me with this. My credit is EXTREMELY important, and it is remiss to turn off autopay when someone believes they are covered, only to not reverse this when I called in. Please remove this mark from my record- I have worked a lifetime to ensure my bills are paid on time and to destroy what I have worked hard for over {$9.00} is really an awful thing to do to your consumer. Please have someone call me as soon as possible to rectify this. Thank you,
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03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have called Capital One and XXXX and Euafax they say the information is correct and it still on their i disputed it XXXX and found 18 Hard Pulls got them removed none of them belong to me. When i called Capital One they can't find account in my name but they run my credit and cost me .I have to pay for higher insurance on my home. because on my score i had to pay for own credit file three times, i am paying XXXX a month for credit monitoring, Alerts, i put a freeze on my on three credit reports you take a person living on low income and Capital One is doing nothing Here look for for self About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation.
Here are your results Prepared for XXXX XXXX Personal & Confidential CAP ONE NA Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report. Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report. Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report. CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report. Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If our reinvestigation has not resolved your dispute, you have several options : Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report. Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.
Deleted CAPITAL ONE Inquiry Date : XX/XX/XXXX This item was removed from your credit report.they more that i can't remove and i am tired of sending letters, calling, waiting, sending more letters, i even spent XXXX at XXXX XXXX XXXX to Help and that was fail. i got that to why want you do something Capital One
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12/07/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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RE : Capital One Credit Card practices and the following message : This account is currently restricted. ( Ref. No. XXXX ) - which means the company closed the account without your permission.
I submitted a payment which was linked between my Capital One Bank checking account and my Capital One Credit Card. After several days the funds were not showing on the credit card. I inquired as I was concerned over the amount of time it was taking for the processing of the funds between the accounts. I wanted to use the specific credit card for my travels that began on XX/XX/XXXX. I spoke with several people at Capital One Credit Card, they called the Capital One Bank and verified the funds. They put me through several 1 hour long waits ( not an exaggeration ) several times over several days ( XXXX ). The credit card side un-linked the accounts, they then advised me to Stop Payment - I did not stop the payment. Funds were verified. I never had a series of issues with the credit card before. Needless to say, the issue did not resolve and XX/XX/XXXX, approached, and I was forced to re-adjust my funds to insure that I could rent a car, purchase my hotel room, etc. as it was abundantly clear that I would not be able to use this specific credit card for all of the purposes I intended and it was too great of a risk to continue to hope for corrective or completed actions from the credit card company in finalizing and processing the payment.
During the call with the Representative on the Credit Card side that requested permission to un-link the accounts and later during that same call, the same Representative pretended that he never asked to un-link the accounts and behaved as though he had no recollection of making that statement ( on an allegedly recorded line ). At some point after the " un-linking '' the payment was then entered as a phone payment unknowingly to me. The Credit Card account now shows a transaction for XX/XX/XXXX, as a returned payment. After several phone calls, no one can explain or acknowledge any notes from the series of activities and numerous phone calls between me, the credit card company, and my bank.
XX/XX/2016 - I paid my balance in full. Also, I noticed fees were accessed to my credit card for a returned payment from the XXXX activity. I called and requested that the fees be removed due the issues stated above. I was told as a courtesy they would remove the fees.
XX/XX/2016 - I checked, and the fees had been credited, the account showed the full payment that was submitted on XX/XX/XXXX, and the account showed a surplus of funds due to over-payment as the fees were removed. However the account also was showing the following restriction : This account is currently restricted. ( Ref. No. XXXX ). I phoned and was advised that due to the Return payment from XXXX, the account had been closed, there is nothing that could be done about it. ( I spoke with XXXX and XXXX on XXXX at XXXX - my phone records are available ).
This happened immediately after they received a full payment. No warnings, no letters/notices, just a closed account. I do n't know if this is a common practice or if this is retaliation because I advised during the XXXX problems that I would report my concerns and their practices.
As it stands, I have an account paid it full and funds and a credit line that are no longer available to me without warning. I am happy to provide any documents of the account that you may need.
Sincerely, XXXX Complaint Against : Capital One Credit Card for waiting for you to make a full payment and then closing the account without notice.
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10/31/2015 |
Yes |
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Web |
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I paid payments into my Capital One credit card from a few banks, since I made a huge over payment it is Capital One policy to mail the customer a check in the difference of the over payment, Today XXXX XXXX, 2015 it has now been 11 days since they received the payment and they are refusing to mail me the check. On XXXX XXXX, I was on the phone with them for XXXX hours, in total I have been on the phone with them for about XXXX hours in the past 11 days, I went into a Capital One branch on XXXX XXXX because they were not advancing my case, the girl told me that sh would call me on Monday and she did n't, I have spoken to over XXXX people at Capital One and most of them are the highest possible managers and bosses at the fraud department and they refuse to release the funds to me, they owe me {$21000.00} of my own money that they refuse to give back to me, they coerced me into letting them call XXXX to make sure that the transaction was n't fraudulent and that the funds would not bounce the funds that went from my XXXX into Capital One as a payment, all the managers and fraud bosses do is laugh at me, they constantly lie almost everything they told me has been a lie. on Tuesday XXXX XXXX, I made an appointment for their fraud specialists to call me their policy is a guarantee of 1 to 2 days at most to be contacted, on Thursday XXXX XXXX, they did n't call me so I spoke to a top fraud Manager at Capital One and they promised me that I would be contacted on that day, I told her that she is lying to me and that they would never call me, she assured me I would get a phone call, I never did, Friday came along 3 days later and no phone call, I spoke to them again and all they did was put me on hold for a long time and then hang up the phone on me, I called XXXX and has a supervisor on XXXX way to convince them that the funds are not fraudulent, they put me and XXXX on hold for XXXX minutes and never got back to me. On Friday the XXXX I called them up and after explaining the same thing over and over for the past 11 days I told them to jot down a call back number just in case we get disconnected the guy refused, he then put me on hold to explain it to his manager, after XXXX minutes on hold they hung up on me. There is an over payment of {$21.00} in my Capital One Platinum card and they refuse to mail me a check in that amount, one of their top fraud managers lied to me and told me that she would not allow that to happen, she should be fired, an employee can not change company policy that was written and determined by top Capital One officials and lawyers, they ca n't go against company policy just because " they do n't like something '', they could dislike something as much as they want, but they ca n't refuse to do company policy, they ca n't refuse to pay a customer back with his own money just because they do n't like it, the payment from my XXXX account into my Capital One account was not fraudulent and that has been proven because I proved it over the phone and in person at a Capital One branch, XXXX told them that the funds would never bounce because the funds cleared and were there, the funds are in my Capital One account and they locked and restricted my account, top Capital One managers, MANY of them have all lied to me over and over, lying about company policy, about refusing to pay me back my negative balance because of an over payment and they suggested that I spend nearly {$22000.00} as a way to get my money back, how insane is that, even if I wanted to I could n't because they locked me out of my account when nothing fraudulent has taken place.
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08/26/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Short Timeline of Events:1. Started the dispute process with Capital One Credit Card regarding a scam from a particular vendor " Food XXXX '' ( XXXX ) on XXXX XXXX, 2015.
2. Both myself and Capital One made several ( XXXX ) attempts to reach out to the vendor directly with no response.
3. Capital One advises to that they will start the dispute process requiring both parties to submit supporting documentation.
4. " XXXX '' submits documentation including email correspondents ( which by law are considered liquidated damages and are seen unenforceable ) in addition to manifesting a fictitious timeline and contract.
5. I XXXX submit supporting documents regarding the fictitious documents and furthermore show proof a business scam ( refer to the synopsis ).
6. I XXXX made several attempts to contact the dispute department at Capital One to stay up to date throughout the dispute process. I left several voicemail 's with XXXX, XXXX and XXXX with no response nor updates.
7. I received a letter in the mail from Capital One advising that they did not find the merchant in violation of operating guidelines.
8. Called Capital One Escalations Department for clarification regarding the letter of determination. During that time I was told that the claim was not classified as fraudulent, scam nor was there any wrong doing on the merchants behalf.
Synopsis : Both my wife and I sought out wedding coordination ( XXXX ) services for a destination wedding in Hawaii. On XXXX/XXXX/2015, XXXX processed a retainer fee from our Capital One Credit Card ending XXXX in the amount of XXXX that including a 3 % processing fee for day of coordination set for XXXX XXXX, 2015. On XXXX XXXX, 2015, my wife XXXX solidifies her travel plans to Hawaii and re- confirms her meeting with XXXX ( owner of XXXX ) to go over wedding logistics. XXXX XXXX, 2015, my wife XXXX leaves for Hawaii to meet with XXXX. Shortly my wife arrives in XXXX ; XXXX sends an email stating that she will be off island and her company is on vacation so neither her assistants nor XXXX employee is able to meet for the month. XXXX XXXX, 2015, we elect to terminate services.
Concern with Capital One 's failure to protect me : Capital One is legally at fault for their aloof approach in protecting us the consumer and not following XXXX XXXX Liability Policy : " XXXX XXXX Liability* Policy is to guarantee that you wo n't be held responsible for unauthorized charges made with your account or account information. You 're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. " 1. XXXX submitted fictitious terms of agreement that was never disclosed2. They forged my wife 's signature on the contract to validate proof of agreement which is a XXXX degree felony.
3. XXXX failed to meet with my wife in person, breaching any terms of agreement4. The service we paid for was never rendered5. In all attempts with Capital one ; not once was there success on contacting the vendor regarding the disputeCapital One 's failure to investigate and protect my consumer rights : " The Problem and request for Audit '' 1. Capital One stands by and supports vendors such as XXXX that create fictitious documents used in a manner to scam the consumer.
2. Capital One stands by and supports vendors such as XXXX that use forgery to validate terms of a malicious scam.
3. In summary, Capital One has not only failed to protect my consumer rights from a scam and fraudulent activity but has also ruled in favor to supersede XXXX XXXX Liability Policy and the Federal Law regarding Fraud. This is a crime!
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12/22/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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Hi, I opened a checking & savings account at " Spark Business Bank Account online '' ( a new service from Capital One Bank, it 's a business account that can be opened online, but the downside is you can not deposit cash or withdraw cash from this account, you can only withdraw cash from ATM XXXX for my newly formed corporation " XXXX XXXX XXXX XXXX XXXX '' and I began using the account and everything was good. One day I log in to my account, I wanted to transfer funds from my checking account to the savings account, because even though at the time I opened the account I opened a checking and saving, they only allowed XXXX XXXX checks to the checking account, so after it posts I transfer it to the savings account to accrue interest. So back to three weeks ago I logged into to transfer money from my checking to saving, and it came up a error message that I need to call in. At first the representative asked me XXXX questions to make sure I 'm not using someone else 's identity, and even though they knew I was n't and I was fully verified, they figured that now that my account has approx. {$20000.00} it 's the perfect time to put a hold in order to make me miserable, and going through such aggravations that I was very close to a XXXX XXXX. The rep tells me " We decided to close your account since the {$10000.00} check you deposited was not good '' First I asked for an explanation what not good means, and I was not given XXXX, all she said is " I also does n't know but this is what I see in the notes, and there 's nothing more I can do for you!! ". So I 'm basically now in a position where Capital One Bank has close to {$20000.00} of my money, and I 'm not being given a reason why, and they tell me they do n't have an answer for me what 's to be done next. The next day I call again, and I guess a representative with a little more feeling for another Human Being felt the pain I 'm going through, and she told me the reason is ( from what she can see in the notes ) is that Capital One has a feeling the XXXX check was either stolen or will be returned. I instantly called the company that issued me the check and explained everything I 'm going through, and unlike Capital One Bank that seek to make your life miserable, provided me with a copy of the check that it was cleared, along with a copy from his bank statements showing that the check was out. And I myself saw in back on the check that Capital One accepted the check and they have the funds. I instantly emailed it to Capital One, but as expected no response. So I called again for the next week every day several time, every time I was told I 'm being transferred to the fraud department, and after waiting 20 minutes I was told " OH SORRY THEY TRANSFERRED YOU TO THE WRONG FRAUD DEPARTMENT '' and I was further transferred to a voice mail, I left XXXX of messages begging for a call back and offered everything in the world. I asked specifically XXXX times if I can go into a Branch, and not even XXXX phone call ws returned!!!!
Bottom line, I opened an account, once I had close to {$20000.00} Capital One decided " now is a good time to hold the funds, so we might pass the stress test '' and I was accused of not being XXXX XXXX, I was accused of depositing a stolen check, I was not given the opportunity to prove myself, and not even to prove myself in persona.
I therefore ask CFPB to help me with this, so I should n't have to spend way ore on a lawyer to take Criminal Action against them, because if I do n't do it, then there 'll be thousands of people with money stuck in these accounts.
Thanks XXXXXXXXXXXX
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12/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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I contacted Capital one in XXXX XXXX XXXX notifying that i have no online access, unknown charges, ( I don't make check payments, I don't use checks, I don't have XXXX XXXX accounts, or XXXX because prior to XXXX I had already contacted authorities ( XXXX XXXX that my identity is being used for unknown accounts, addresses, jobs you name it, included contacting capital one to make also aware in XXXX. ) By the time In XXXX with suitcases ( 3 ) and to this day Capital is using XXXX XXXX XXXX as my primary address which is unusual because that is messing up my identity with all credit burueas. All I have to do is enter my social security since XXXX to speak to a live customer service representative XXXX, the last time they took my call was in XXXX of XXXX. ( they will not answer the phone, I do not want a credit card with capital one, I am a victim of identity theft. I have never seen an account takeover to the point I can not login in capital one I told them in XXXX, those charges are not mine, unrecognized amounts. unrecognized checks, dragging suitcases. These scammers had fake accounts, taking over testing with checks that were not mine. I told Capital one to close account close account close account in XXXX of XXXX. Guess what capital one did left the account open from XXXX to XXXX, send me a link an unknown link in XXXX to make a payment without some comfortable at least some authority saying this a valid link, no calls, even when I called in for the valid payments that I recognized in XXXX some their representative took my information, debit card to make payments or a least i thought they were taking my payments from capital one, how is that this person could in return pull up my information, know my capital one details. Capital says no that I never made payments. So who was this person saying capital one in XX/XX/XXXX saying they are capital one, and taking my info, payments. Then Capital is increasingly ruining my identity with a XXXX XXXX XXXX california. It is locked everyone thinks I am in California. I can move to XXXX XXXX or Florida guess what government agencies think just because Capital one thinks I am at an unknown address in XXXX XXXX, all agencies believe Capital has a high reputation, can magically change my info personal at the wave of a wand. Capital has placed a negative of my credit score for me being a victim. I would never want a credit card from Capital one why because I was the one to provide in XXXX to XXXX if anything unusual comes into my credit card account please notify and stop, Capital one did nothing to close the credit card account, once I verified my identity, said close which Capital one confirmed with that account closed in XX/XX/XXXX because once reported they said effective immediately it will be closed, to protect correct this account will be closed, i was told they only leave the account open once a decision had been made, and the status of payment paid in full, that was only a decision made by leaders, a closed account I was told no additional charges, send in the report for the activity, unknown charges. Literally in XXXX walked into a police station, ID to please protect. It is now late of XXXX literally has also placed a unknown address that I do not reside at. It is like saying that at any moment or whomever they are in contact can call in saying they are XXXX can see any payments, my personal info, tell Capital one that they are reporting I live in Texas, Capital one over my identity can contact all gov, say reporting XXXX is now in Virginia, no matter what actual location, no matter where i live.
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04/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
Servicemember |
I was a member of Capital One bank since XXXX. When I open my account it was Rewards checking. I had no issues until XXXX. In XXXX XXXX, my account changed to VIP interest because Capital one did away with Rewards checking. For some reason, my account was compromised and they had to close the account and open another one. A check was deposit for {$40.00} from creditproshield. Which this company do n't even exist and had the wrong address. For almost 8 years, I never any issues with my account being compromised by check. So because this happen they had to close my account. When they closed the account I had to change all my ach. However, the account was lock and I could not stop bill pay. Capital one did n't stop the bill pay. The bill pays was to Unemployment and all was returned and I received fees from Unemployment. I am also in the process of possible being prosecuted for fraud if I do n't pay the fees. They open up another account which was essential checking. I had so many issues with this account. But the main issue came in XXXX XXXX XXXX XXXX, XXXX, I deposit a check for {$1300.00} from my XXXX account XXXX It was kicked back because my money in the XXXX account did n't clear yet. However, I had a payroll deposit of {$3200.00}. So Capital One received money from that deposit. However, I notice they returned XXXX of my transactions. I did not receive an email or anything. When I contacted customer service I spoke with a Manager name XXXX XXXX XXXX ) and she told me Capital One the right to do what they want with my account. But I never had this issues before with items being returned. On XXXX, I deposit a check for {$1100.00} and received an email it would be deposited on XXXX. The next day I notice the deposit disappeared. I went into the branch at XXXX XXXX and spoke with XXXX XXXX. She contacted the fraud department because my account was on hold. She spoke with XXXX in the Fraud Department and he informed her that they did not accept my deposit for {$1100.00}. Also my account was under investigation for fraud and I could only put cash in the account. I had took the {$1100.00} dollars out of XXXX and had the cash. So he informed her whatever I put in the account I could not get anything out. So I only put {$600.00} what was owed until the investigation was done. He informed her someone will be contacting me on XXXX. Also all my ach will be kicked back and I can only make cash deposits. On XXXX, I. checked my account and I notice Capital one had deposit the check for {$1100.00}. When I was informed they was not going to accept that deposit. So when they try to get the money it would not be there because I got the cash on XXXX. Which I was informed to do by fraud department. On XXXX, I went back up to the bank and spoke with XXXX XXXX and she contacted the fraud department again. She asked them why was the check deposit when they informed her it was n't. She spoke wit Deforeft and he said that there was no notes. He also informed me because I took the phone. That I was not assign to an investigator. I asked him to have all calls pulled. Because I do not want it to look like I am lying. I called the fraud department a couple days later spoke with XXXX and she informed me that XXXX did not say none of the stuff above. I asked to speak with a supervisor and she said someone will call me back. A couple days later XXXX called and close my account. I called back and spoke with XXXX and she was nasty told me I had to pay my balance. I asked what happen with them pulling the calls. She told me my account was closed and nothing else could be done.
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07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act is intended to secure my rights to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Notice, it is a fact, affiant is aware and has proof in EXHIBIT A of CAPITAL ONE threatening to report unverified, false and misleading information to my consumer report which is a violation of 15 U.S.Code 1692d ( 1 ) and a violation of my 4th amendment right to be secure in my papers such as consumer reports about my person.
Notice, it is a fact, affiant is aware and has proof in Exhibit B, C, D of CAPITAL ONE stating statement Charged off as bad debt, canceled by credit grantor, Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor and Charged off account Accounts closed by credit grantor., which is language that is obscene to me causing me mental anguish and XXXX. This is a violation of 15 U.S.Code 1692d ( 2 ).
Notice, it is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as CAPITAL ONE allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit E.
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CAPITAL ONE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX.
Notice, it is a fact, CAPITAL ONE failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CAPITAL ONE Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
CAPITAL ONE Account Number : XXXX As a consumer by law this account must be deleted immediately.
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09/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I live in the XXXX area. On XX/XX/19, I drove from the XXXX area to XXXX, PA. I used my Capital One card to pay for my hotel reservation, gas, meals and tolls along the way. On XX/XX/19, I departed XXXX to return to XXXX, once again using my Capital One card for hotel incidentals and tolls. Along the way, I pulled into an XXXX Turnpike service area to purchase a soda and fill my car with gas. My credit card was accepted by the vending machine for the diet XXXX, but when I pulled up to the pump, my card was declined. I received a text from Capital One saying that someone was trying to use my card at XXXX, and asking if it was me. I immediately responded to that text assuring them it was me. I received a response instructing me to try the card again now that I confirmed my identity. My card was declined. I called Capital One for assistance as I was very low on gas. A very unsympathetic representative kept going through lists of charges with me asking if they were mine ( they were all mine ). She said she cleared the hold on my account and my card would work fine now. I asked her to stay on the line while I tried it again and it was still declined. She said " well, sometimes once it is declined, the merchant just won't take it again, so you have to go to another gas station. I explained to her that I didn't think I had enough gas for that and I had 2 dogs in the car ( it was close to 90 degrees ) and it wouldn't be responsible for me to go back on the Turnpike and just hope that I made it to the next gas station. She said she couldn't do anything. The ATM was out of order, so I found another customer willing to help me buy enough gas to get to the next service area. I tried my card there and it still was being denied. I called Capital One and asked to speak with a supervisor. The fraud protection supervisor said he felt the phone attendant I spoke to initially did a really good job of helping me and didn't think he could do any more. I was yelling at him ( I am embarrassed to say ) that he had to have a way to get through to the merchant to approve my card because he sure was able to deny it in error. He then proceeded to tell me that it was MY fault that the merchant was denying my card because I ran it through twice. But I ran it through twice based on the instruction in their text message! I asked for his manager and he said " we have a manager here, but he doesn't take calls from customers. He said " you can end this call and call in again and ask for one of them but they are going to just tell you the same thing I am. '' I about exploded! The Turnpike systems in XXXX and XXXX only have one vendor for gas - there were no other options for me! I explained to him that all along this trip I have left electronic breadcrumbs for capital one in the form of gas purchases, meal purchases, toll charges and meal purchases. There should not have been a fraud alert in the first place! He said " I'll give that feedback to our fraud alert team ''. I was just flabbergasted that capital one would leave a customer stranded on the expressway with no way to buy gasoline when they were the ones who made the error that caused the whole thing. I told him that according to my card terms, if I were to make a late payment that I would have to pay them {$39.00}. I suggested that capital one, in turn, should have to pay the same amount to me for my stress. They don't have a mechanism ( they say ) to negate their error in denying charges with the vendor, and they don't have a mechanism to have anyone above a supervisor take a call handle a consumer emergency situation.
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02/13/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
Servicemember |
XX/XX/XXXX, I received an online notification of a pending rate increase on our home mortgage as we had a 5 year ARM due to expire XX/XX/XXXX. I started researching current rates, considering refinancing for a shorter fixed term of 15 years.
In the end, it made sense to just do a rate renewal with our existing Mortgage holder, Capital ONE 360 and pay more principal each month. After looking at various fees, closing costs and our best guess on how long we planned on remaining in our current home, the rate renewal seemed like the best option. Our rate was going to go up of course from 2.75 % to 3.125 %.
Knowing interest rates had increased slightly, we were willing to live with the slight increase as it would only make sense to refinance for a fixed shorter term if we planned to stay in our current home for more than 5 years.
I completed the online rate renewal XX/XX/XXXX, well in advance of the pending rate change. The fee for the rate renewal was one extra months payment. However, we received notice online XX/XX/XXXX, stating our rate was going to 4.125 %, a full point higher, thus increasing our mortgage payment by more than we had budgeted.
I called to express my confusion and concern. My complaints fell on deaf ears, as they said, we never signed the rate renewal paperwork. I explained, I completed it online, and was not aware of any additional paperwork. Their reply was, you were notified online when you agreed to the rate renewal there would be paperwork sent to you which had to be signed to make it official. We have no record of ever receiving a written agreement, as I was told over the phone, the rate renewal could be simply completed from our online account.
Even if there was a document sent, there was no follow-up, no phone call, no email, no further communication regarding a signature page required to make the rate renewal official. So three months passed after thinking the rate renewal was complete, while their AUTOMATED SYSTEM generously raised our interest rate by a full point increasing our monthly payment significantly.
I filed a complaint with Capital ONE 's " Consumer Advocacy '' department, explaining, I fulling anticipated the rate renewal we agreed upon at 3.125 % would go into effect at the end of our existing 5 year ARM ( XX/XX/XXXX ). The Advocate seem " genuinely '' concerned, but NEVER called me back with a decision. So, after several more days, I called and received the same reply, sorry, you did n't sign the rate renewal paperwork, but you can apply for a rate renewal again at 3.75 %, better than 4.125, but still not the rate we agreed upon ( 3.125 ) when I initially applied for the rate renewal.
I find this practice unethical, as I fully agreed to their terms, and clicked and signed online to renew my existing ARM at a slightly higher rate ( 3.125 % ). I would not have agreed to anything higher, because at the time there were competitive rates available. WE have been loyal customers, always made our payments on time, and have our auto loan with CapitalOne as well.
They do not seem to really care, and my next mortgage and any future loans will be negotiated with a local lender. I am also a small business owner and was recommended to look into CapitalOne for a small business account for credit cards and online management tools. Probably not going to happen. They know they have us in a box because it does n't make sense for us to refinance our existing mortgage due to closing costs on a relatively small mortgage. WE have equity in our home, but do not expect to be in our home more than a few more years.
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01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My XXXX is due every XXXX of the month, in the amount of {$260.00}, and I always pay on time. On XX/XX/XXXX, I contact Capitol One to request an extension on my auto loan because of a financial dilemma I was experiencing. Capitol One denied my extension and told me I had a 15 day grace period from XX/XX/XXXX to pay my Auto loan, and as long as I paid before the XXXX of XXXX the late payment would not be reported on my credit. On XX/XX/XXXX, I paid Capitol One Auto {$430.00} to cover XX/XX/XXXX and XX/XX/XXXX payments. I was still within my grace period concerning XXXX 's payment. I paid XXXX 's in advance because I did not want to accidentally spend it being the holidays were approaching. Before and after I paid XXXX and XXXX 's payment I made sure to ask the Capitol One representative if the total amount of {$430.00} covered Novemebr and XXXX 's payment. The Capitol One representative agreed that it did cover XXXX and XXXX 's payment ; and that my next payment was due XX/XX/XXXX.
On XX/XX/XXXX I received notification, via my capitol one app, that my auto payment was past due. I contact Capitol One Auto to inquire about the past due notification, and they informed me that payment was not received for XXXX. After alot of back and forth an investigation was made to relisten to the call that was made on XX/XX/XXXX to re-evaluate the communication between the Capitol One Auto rep and I when I made my payment of {$430.00}.
XX/XX/XXXX, between XXXX and XXXX, Capitol One Auto Investigtor , agent XXXX, contacted me via phone to inform me that an investigation has been open. He also mentioned that he reviewed the call and admitted that their representative was in the wrong and that a miscommnunication on their part was done. In addition, the capitol one agent, verdis, informed me that he will request for the system to acknowledge my payments and have my next payment be for XX/XX/XXXX and not XX/XX/XXXX. he also admitted that my 100 % payment history spoke alot about my character and reliability.
XX/XX/XXXX XXXX contacted me on a recorded line to state that his request was granted and my next payment was XX/XX/XXXX. he informed me that everything will be updated with the credit agencies. However, nothing has been update on my credit report because it still shows me 30 days late for XXXX and nothing reported for XX/XX/XXXX. Therefore, affecting my 100 % payment history and my credit score positive reliability and good standing because now my account is showing as negative remark.
I contacted Capitol One Auto XX/XX/XXXX and they stated that the addjustments to my report were made XX/XX/XXXX. However, my XXXX, XXXX, and XXXX XXXX credit reports do not show this update or adjustements being removed. I need this account adjusted and showing in good standing 100 % so I can remain in the positive and not in the negative. I am trying to get a home within the next 3 months and do not need this negatively impacting my process.
This account is an account that has been becoming more difficult due to the misleading information displayed on my credit report. Also, this account is beyond the statute of limitations which was stated to me by various representatives from this company. Lastly, it is beyond the statute of limitations that the payment information reported concerning XXXX and XX/XX/XXXX. Therefore, making this negative item and remark against the Fair Credit Reporting Act.
I thank you in advance for understanding, taking the time to investigate this matter, and responding to my inquiry. I look forward to hearing from you soon.
Respectfully,
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12/18/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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XXXX, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : I am the Executor of the above estate. It is my understanding that the Decedent owned one or more accounts with your institution. Attached is a certified copy of the Letters of Administration for your records.
DAMAGES FOR LOSS OF USE : These are the awards that are made to compensate for a loss of the use of something that would ordinarily earn money. {$1700.00} DAMAGES AND COSTS : the phrase that binds the defendant appealing the award against him to pay the amount of them judgment and interest if his appeal fails. {$130000.00}.
Also, my client has XXXX capital one credit card account. He is seeking {$260000.00} in damages. for his checking account getting closed. Moreover, saving accounts the XXXX account numbers are XXXX the demanding amount that owed {$130000.00} the XXXX credit card account XXXX. The demanding sum {$130000.00} DOUBLE DAMAGES : " Twice some actual damages as found by the verdict of a jury allowed by statute in some cases of injuries by negligence fraud or trespass. XXXX. XXXX Fed. Cas. XXXX ; XXXX XXXX XXXX. XXXX. ". The damage amount is {$6500.00}.
The total sum of money my client is owed {$140000.00}. On the behalf of my client, I am demanding that he gets everything reinstated if it is not done there will be a class action lawsuit Please confirm that the Decedent did, in fact, own accounts with your Institution and the balance in each of the Decedent 's accounts as of the date of death, plus any interest that had accrued but had not yet been credited to the account. Please separately state the actual date of death balances and the accrued but unpaid interest. Finally, please also confirm the account number of each account and whether there were other joint owners of the accounts.
A stamped, self-addressed envelope is enclosed for your convenience. Please contact me at the address given above if you have questions or need additional information. I can be contacted by phone at XXXX or XXXX. An e-mail may be sent to XXXXXXXXXXXX. Thank you for your attention to this matter.
ACCOUNT ACTIVITY : The movement of funds in an account. An account statement is a resulting document.
INTERBANK DEPOSIT : A temporary deposit to prevent default. Also called hot money.
CLEARINGHOUSE INTERBANK PAYMENT SYSTEM ( CHIPS ) : " A private sector fully automated CLEARINGHOUSE system in the United States that is used for dollar based checks and fund transfers as well as payments associated with securities transactions and FOREIGN EXCHANGE trades. '' BANK INSURANCE FUND ( BIF ) : A fund whose deposit money is insured by a commercial bank. It is administered by the Federal Depository Insurance Corporation or the FDIC.
BANK DEBITS : When money is taken from an account by the customer. It is used to predict trends and cash demand.. My client is demanding that his debit card be reinstated asap as well as his checking account and his XXXX saving accounts..
CAPITAL ACCOUNT : " In financial accounting the capital account is XXXX of the accounts in shareholders ' equity. Sole proprietorships have a XXXX capital account in the owner 's equity. Partnerships maintain a capital account for each of the partners. '' Sincerely, XXXX XXXX XXXX Barrett 10 Overlook Ridge Dr # 634 Malden, MA XXXX XXXX XXXX, 2015 capital one 360 ATTN : XXXX PO Box 60 St.
XXXX, MN XXXX Re : Estate of XXXX Date of Death : XXXX Dear XXXX : Also, to this, my client is owed {$1700.00} he would like that to be returned to his checking account the name of
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10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
Capitol One Bank USA, a credit card account, failed to meet its obligation under the FCRA. They allowed my account to be hacked with the assistance of one of their customer service representatives, allowed a charge to be applied after I closed the account, failed to notify me of the charge until after it was submitted to a collection agency, failed to notify me that it was reported to the credit bureaus, and failed to provide documentation regarding the charge.
To further explain, I received an email ( enclosed ) on the morning of XX/XX/XXXX notifying me that information in my account had been changed. I immediately called Capitol One and explained that I had not changed anything on my account. Through conversation with the representative it was clear that someone had my personal information and Capitol One had allowed this individual access to my account. I immediately cancelled the credit card and was assured that no other transactions would be posted. A few hours later a received an email ( enclosed ) from the Florida Department of Highway Safety and Motor vehicles stating that someone had accessed my account. I called them and the representative explained that someone was trying to get a duplicate license. Thankfully, because I have a Commercial Drivers License, the individual was unsuccessful. I also received an email from XXXX stating that the credit application that I provided was incomplete and they needed additional information. I did not file an application with XXXX. I immediately executed a fraud alert with all three credit bureaus. I also filed an Identity Theft complaint ( enclosed ) with the XXXX County FL Sheriffs Department. Later I learned that Capitol One had experienced a security breach on XX/XX/XXXX that exposed the personal information of 1.6 million individuals. I thought that I had sufficiently covered all bases until I started receiving phone calls and letters from XX/XX/XXXX, a collection agency. Prior to this activity I had received no communication from Capitol One. ( I have enclosed the last MAILED statement from Capitol One from XXXX of XXXX. When I cancelled the card, the online account was deactivated ) I called Capitol One on several occasions explaining the situation but they repeatedly referred me back toXX/XX/XXXX. I have requested supporting documentation and to date have received none. Now I find that they have reported the charge adversely on my credit report. My credit was impeccable until now.
I am requesting that the item be removed from my account to correct my credit report. Additionally, I understand that an investigation will be executed. I am requesting that Capitol One provide the following documents : 1. The recorded date and time of the credit card cancellation.
2. Date and time of the last posted transaction and information regarding that transaction.
3. The last mailed statement and proof of mailing.
4. Documentation showing the date and time of reporting to XX/XX/XXXX as outstanding debt.
5. All documentation letters concerning my account with date, time, and proof of mailing.
6. Transcripts of all telephone conversations between XXXX XXXX XXXX and Capitol One representatives.
Enclosed are copies of emails from Capitol One and the Florida Department of Highway Safety and Motor Vehicles, along with the Identity Theft report filed with the XXXX County Sheriffs office and the final MAILED statement from Capitol One supporting my position. I offer no other documents because Capitol One would not provide them. Please reinvestigate this matter so that my credit can be restored.
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01/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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On XX/XX/XXXX ( today ), around XXXX XXXX I attempted to open a Capital One 360 Checking account online because I was attracted by their {$400.00} bonus. I have carefully read the terms on the website and understood the terms in order for me to qualify for that bonus. I reazlied that even though I was using the link on their website ( https : //www.capitalone.com/bonus400/ ) I probably should look out for a place to enter the promo code ( XXXX ). It is my life expereince that many companies will waive that physical action on my end ( i.e., putting down the promo code ) if we use the link on their official website or will automatically fill that field in the application.
I was careful during my application. I was asked to provide my name, address, ssn, job description, and finally I was taken to a page to transfer the fund. It was indicated that the transfer isn't mandatory at that moment but I decided to transfer money anyway because I am a good-faith user who did want to continue using their services. All the way to this page, I didn't see ANYTHING or ANYHWERE that I could put down a promo code. I filled up every field that was blank and I looked out for hints -- there was none. But when I clicked next, I was shocked that my applciation was finished. I was waiting for a confirmation page that will allow me double check my information and make sure that a promo code was applied successfully. I suddenly realized that I had not been asked to put down a promo code. I got nervous immediately. I thought for a moment that perhaps the promo code was automatically applied. But just to doublecheck, I gave capital one a call immediately around XXXX XXXX, merely two hours later ( because I got a work call. ) However, even though only two hours passed from my initial application, Capital One staff told me over the phone that I WAS THE FIRST ONE WHO MADE SUCH COMPLAINT. But while I was on hold, I did a XXXX search and there're tons of people who have experienced the same thing with me. There's no way that they were not put on notice on this. And there's no way that they can claim they didn't intentioanlly or negligently lured every consumer to apply for their bank account but trick you by hiding/concealing/avoiding the place to put down promo. I told the representative that and the representative got made almost immediately -- claiming that she can not work with me if I interrupt her. I told her I was just responding to your claim that nobody fell for that before and I let her finish. But she intentionally put me on hold for a minute and then told me that what has been done has been done -- and demanded me to give them a call on XX/XX/XXXX ( which is ridiculous, again they're trying to avoid taking any responsibility at all because people tend to forget dates! ), not earlier or later, and on that day I must request again for an " EXCEPTION '' and still, there would be a 50/50 percent I can get it. Basially she demanded me to beg for them to do what they promised in their ad.
It is weird in the first place that a promo code availalbe to the entire public, must be physically put down in an application. How would that be necessary unless the bank is trying to play tricks on people?
I am absoltuely disgusted by Capital One 's response and didn't even know if I want to be their customers. This is an old trick and I am so frustrated that I fell for it. This is a fraudulent act for sure and I can not stand any bank treat their customers like this. Please assist me and I am looking forward to coopearting with you to resolve this. Thank you very much.
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03/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
I had a Capital One card that had been handled as agreed. I am XXXX XXXX due to multiple extreme XXXX XXXX sustained in an accident with drunk driver. A few months back there was a reoccurrence of the XXXX XXXX I was desperate for XXXX help. I acknowledge I gave friend access to banking credit card this was a mistake made while I was totally unable to reason as it is the most XXXX XXXX on Earth. Person try to make payment on credit card to help me. Because not thinking are able to she made payments using my online banking without my knowledge she made additional payments of large amounts on my card. I am a 30-year XXXX XXXX XXXX and understand protocol however the injuries have taken me. I have reached out to Capital One at least 15 times to try and get assistance and work through this issue which has turned a well handled credit card with a balance of {$7000.00} 1 with XXXX. It was a scam situation I had no knowledge woman had made the payments on my card. I am now 23 years into the injuries and medications totally impaired logic at that time. Capital One has provided no assistance information or form of help that is created a payment so far beyond my ability I'm a face bankruptcy. They have refused to make any concession given my incompetence but any of my multiple world-class doctors would provide. I am not trying to escape anything however they will not even tell me what has occurred in the account I can't afford a lawyer Capital One has mishandled numerous situations and this dispute. The funds given to me that did not prove valid XXXX XXXX XXXX. During this. I have been hacked also the other banks have all offered solution to allow me to live through this Capital One has been the worst organization as far as no allowance somebody complete XXXX. I also called Capital One multiple times prior to using the card after the payments had been made to verify it was valid that was the extent of my skill set at the time. At that point two different Capital One agents to use the card the very next day I received a notification of problems. What is sad is that I am told if I sign up with one of these Credit Repair Services, they immediatly get a {$7000.00} card deduction of balance because of volume. that is pathetic given they won't help me with a XXXX reduction and I have explained to them the medical conditions to in detail that I am battling. I have never in my career which is extensive had treatment as Capital One they will tell me nothing. I have since had treatment and I trust you can see the stability of my communication. Why does it not matter they told me it was fine to use the card on two different occasions. Why will they give me no information unless it is from police or FBI who will not provide any help. The stress caused by this situation is pushing me to the brink tab survival. I am an honest man, admit making mistake while out mind in XXXX, but make no consideration. I apologize that this is probably in terrible format and all information is not included I can not see most of the time because the injuries impact my site. If this can not be corrected with some longitude a fair interest rate rather than the 24 or higher percent they have no consideration 4 an honest person getting XXXX. They send me bills but they won't even tell me the balance. All my career in the best XXXX XXXX in the country I have never experienced one so wonderful in good and XXXX you in a problem. I actually XXXX XXXX XXXX XXXX prior to collapse so have seen it all I've never seen an institution as blatantly cold 2 human situations as Capital One
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11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is my second time writing this agency to Remove these illegally reported late payments from my consumer reports. I have recently obtained a copy of my ( XXXX, XXXX and XXXX ) full credit report, I noticed some late payments posted on my credit report. Account ( XXXX XX/XX/XXXX Late payment date : XXXX, Account # XXXX XX/XX/XXXX Late payment date : XXXX, Account # XXXX / XXXX XXXX XXXX XXXX XXXX Late payment date : XXXX XXXX, XXXX, XXXX Account # XXXX Capital One, Late payment date : XXXX, Account # XXXX CLOSED Date of Capital One XX/XX/XXXX This Capital One account was paid in full, and the account was closed on XXXX XXXX, However, the account posted and reported late payments after the account has closed in the year XXXX which is against the law, and violation of 15USC & my rights as a consumer. Your Company and these agencies are in clear violations of the law. Under 15USC & 1681b ( permission ) permissible purpose of consumer reports, The Law Clearly States : ( b ) In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with The Written Instructions of the consumer ( ME ) to whom it relates No One had the rights to pull my information without my written permission 15USC1681b ( 2 ) Did I the consumer give your company written permission or instructions to furnish this on my credit reports? Furthermore, the FRCA 15usC1681 ( 2 ) ( a ) ( i ) exclusions from the consumer report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term " Consumer Report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A creditor may not treat a payment on a credit card account under an open or consumer credit plan as Late for any purpose. All of the following accounts listed on this letter are all credit card accounts by law and I can prove it by the 15USC1607L 15USC1607L States the term " Credit Card '' means Any card, plate, coupon, book or other obtaining money, property, labor or services on credit. Examples of credit cards according to 15USC1607L are my social security card, driver license card, state I.D card are all forms of credit cards as I used these all to open accounts and obtain credit from these credit card accounts listed above. Unless creditors has adopted reasonable procedure that are designed to ensure that Each ( month ) periodic statement included the information required by section 1637b of this title is Mailed to me and Proof of delivery to the consumer ( Which Never Happened In My Case ) No Later Than 21 Days BEFORE the due date. According to the FCRA 15USC1637b this action ordered by law was never done nor being done up to this day by neither company listed above in this letter. This law is in place for several reasons one being for me the consumer to confirm if the accounts are accurate or was a billing error Before being reported to my credit reports, by not following this law everything reported without written instructions is reported illegally. Due to these late payments being reported without written instructions and these agencies failing to follow the law ; 15USC1637, I demand these late payments be deleted from all my consumer reports, due to the violation of 15USC1637,15USC1681, Fair Debt Collection Practices Act 15USC 1692g, 15USC1666b and for willful noncompliance & 616 Civil liability for willful noncompliance 15usc & 1681n.
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11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I have requested for 3 weeks to get an authorization letter from capital one auto finance to allow me to ship my vehicle from XXXX back to the mainland because we are moving. I sent 6 faxes. I called 9 times! I even tweeted the customer service department on XXXX.
When I called I was sent to offshore offices and then back to America only when I asked for a manager... numerous times. It was so confusing trying to explain to offshore that I just need a simple letter so that I can ship my vehicle that they marked me as being a voluntary repossession ... imagine my shock when I called again and learned that.
I called and spent an hour on hold at one point while they searched for my fax only to be told it was taking too long and to call back later. Then I was told they see my fax and are putting a rush on the letter three times. Was even told by one lady that she sees my fax and will call her friend in that department to get it rushed. She promised I would have it by end of business the very next day. I was so relieved.
My shipping date came and went. I called again and was told she never noted anything in the account and they have no idea what she did, if anything. Was promised, once again that they had our fax and that the letter would be sent... still got nothing. My family left XXXX XX/XX/19. Capital One was made aware of our dates from the get go when I first called on XX/XX/XXXX. We had to leave the vehicle at the XXXX XXXX so it wouldn't be stolen or destroyed.
One of the agents even told me they don't accept faxes from XXXX ... what? Okay, well we aren't faxing from XXXX, we are faxing from XXXX XXXXa... try again. Just constantly got the run around. Now, today I had to call the repo department... I was passed around and put on hold so many times before being actually sent to the repo department that I spent over an hour on the phone.
Thr repo department informed me that my credit would now be ruined because I was calling for voluntary repossession. The audacity after everything we have been through with trying to ship the vehicle is astounding. The vehicle would not need to be repossessed if they had just written the letter so we could ship the vehicle.
I bought that vehicle in arkansas. Moved it to XXXX with us, no issues. Thought I was being smart refinancing through Capital One when we got to XXXX. Absolute worst decision of my life. I have tried to sell the vehicle on the island because I was getting nowhere with capital one agents in getting the letter... ..no luck of course because we are in the middle of a pandemic and they are in a buying freeze.
I have all of the fax numbers, dates and times we faxed the letters for request to ship. I have a log of all the times I called, how long I was on the phone. I have emails from XXXX XXXX in XXXX showing that I went so far as to try to sell the vehicle and not have to leave it after the last call with capital one. I have emails with XXXX explaining that we still hadn't received the letter from capital one and their response of we will wait for the letter.
I'm not sure what more we could have done. When I called this morning, I was told they still needed insurance info for the letter... that is incorrect. I included our insurance company, policy number, etc. I included our ship date, confirmation number from XXXX and literally everything else I could possibly think of and still no letter.
Never been more disgusted by a company. I have included the times I faxed, numbers I faxed to and the call log which does not include the 1 hour and 21 minute call this morning.
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02/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I am putting in a complaint against Capital One Auto Finance because they have reported XXXX 30 day late payments on my credit report which is not true. I have reach out to Capital One Auto Finance several time to resolve this issue. All they did each time was transfer me to different people and would tell me that they would send my account to a department for further review and someone will contact me. WELL THEY NEVER DO. THEY JUST BRUSH ME OFF JUST SO THEY CAN END THE CALL. They have destroyed my credit for no reason. I do n't know what to do at this point. Something need to be done about this. I need those XXXX 30 Days Late Payment Reverse off my credit report. The XXXX 30 days lates I am referring to that is on my credit is XX/XX/2016-XX/XX/2016. My monthly payment amount is {$760.00}. I made arrangement in XX/XX/2016 with Capital One Auto to split my payment into two payment each month. They recommended me to pay bi-weekly because it would be easier to make and it would cut the interest down on my car loan. My payments are due on the XXXX day of each month. I am not consider late until after the XXXX of the next month which is consider my 30 days.
I have attach a copy of my monthly payment history from Capital One Auto showing I have n't been late and they constant reporting me as late each month. Ok here is where I want to explain. It all started back in XX/XX/XXXX. On XX/XX/2016, I made a payment of XXXX but that payment was returned by the bank to Capital One Auto on XX/XX/2016. Ok I then made a payment on XX/XX/XXXX for {$840.00} which posted to my account on XX/XX/XXXX which was told to me by several representatives that payments are posted on same day. The payment I made on XX/XX/XXXX was my XX/XX/XXXX payment which I was not 30 days late. I did get a late fee of {$38.00} but I made a payment of XXXX in XX/XX/XXXX to cover my late fees. Ok then on XX/XX/XXXX I made a payment of XXXX for XX/XX/XXXX which posted on the same day. No late fee charge. In XX/XX/XXXX when I was reviewing my statement online I saw that I owe a balance of {$1800.00}. I made a call to Capital One Auto to find out what this additional charge was. I spoke to a representative and she stated to me that I was behind in my payments totaling {$1800.00} and the way I could resolve this issue was to set up XXXX payments of {$450.00} bi-weekly. Ok so I did agree to make XXXX auto payments of {$450.00}. Before I agreed to making those payments I stated to the representative that I did n't owe that amount and that I was n't behind in my payments but she said in order to get caught up on my payments I would have to pay XXXX bi-weekly payment of {$450.00} and then after the last payment is made I would be completely caught up and she would go ahead and set me up on auto draft bi-weekly. I still was confused because I did n't owe that but I agreed to that arrangement just to keep my account in good standing. But when I pull my credit I had XXXX 30 day late payments on my credit report from XX/XX/2016- XX/XX/2016 If you look at my statement below that I have attachment you would see that I only had one late fee for XX/XX/2016. I made every payment before the 30 day mark and you will see there is not any other late fees on my statement since XX/XX/XXXX. I need for someone to review and remove this off my credit and why Capital One is constantly adding 30 days late payments to all my credit reports each month. I am on auto draft how in the XXXX am I late. They are destroying my credit for no reason. And no one can give me an answer when I call them. Please Help!!
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07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On XX/XX/2020, Capital One billed me a {$39.00} member fee for a card I do not use. I paid the fee in full that day, which was credited to my account on XX/XX/2020.
Some days later, Capital One reported the {$39.00} fee which resulted in a 15 point slide in my XXXX credit score. When I called Capital One to complain, they told me they did nothing wrong - even though they reported a bill within days of notifying me of the amount due, before the minimum amount ( {$25.00} ) due date, XX/XX/2020 - yes, that is the correct date ... XX/XX/2020.
Upon calling to learn the circumstances of this type of reporting, I called Capital One customer service last night, Friday, XX/XX/2020. As you can see, I am very disciplined and attentive to my credit situation.
Three years ago, I had zero credit history and a sub XXXX credit score. I have strategically and systematically exercise extreme diligence to improve my credit score as quickly and efficiently as possible. I succeeded in getting my XXXX credit score to XXXX just a few weeks ago. That was a triumphant milestone for me ... only to be erased by predatory reporting practices by Capital One, whose bread & butter is the marginalized credit market regular working folks like me who are educating themselves and making the necessary DAILY SACRIFICES trying to build a solid financial foundation.
How could it possibly be legal and/or ethical to report in this fashion without being predatory. Im fortunate to be able to pay the greed-driven fee in the midst of a global pandemic when most other companies are compassionately waiving their fees during the COVID-19 crisis. The majority of the COUNTRY is unemployed and struggling with food insecurity. XXXX waived their {$490.00} member fee two months ago - without me even asking. I only found out when I checked my statement and saw the {$490.00} fee post to my account, followed by an immediate {$490.00} credit. No fanfare, no promos, no special requests, or payment arrangements required. XXXX got it right.
Capital One got it completely wrong.
I, however, made a sacrifice, paid the member fee I was obligated to pay on a card I HAVE NOT USED IN OVER A YEAR! And they still find a way to punish me.
IS THIS HOW RESPONSIBLE CREDIT REPORTING IS SUPPOSED TO WORK??? I dont think so. The supervisor on the phone engaged in this circular double-talk to evade responsibility explaining their credit reporting process. He and the previous CSR I spoke with were audibly flummoxed because their traditional deadbeat debtor script could not be applied in this situation. When I explained the timeline from the fee posting to full payment was within 4 hours of my notification. The payment posted in full within 24 hours. When were they able to report this fee to XXXX? Unless they reported to XXXX BEFORE notifying me of the bill, SIMULTANEOUSLY as they notified me of the bill or AFTER I paid the aforementioned bill in full, there is no ethical way out of this one.
I have never experienced ANYTHING like this but this definitely wreaks of predatory reporting practices for profit. And if this is a case of XXXX disproportionately punishing consumers, we have at least TWO transgressors in this scenario. And if this is just how the credit system wirks, then we have fundamental issue with inequities in the consumer credit market which prey on marginalized credit consumers. All of which MUST BE ADDRESSED AND REMEDIED IMMEDIATELY.
I have included all available supporting documentation with this complaint.
Thank you for your time and immediate attention to this matter.
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05/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Using a debit or ATM card
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Web |
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On XXXX/XXXX/15, I was readying to fly back XXXX ( see XXXX ) for a close family member 's funeral and stayed at a hotel at the XXXX airport. Before leaving, I hired a dog sitter and her friend ( who had been referred to me by people I knew ) to watch my XXXX dogs at my home, collect my mail, and take care of my plants. I had given this person the key to my house. On XXXX/XXXX/15, I fly to XXXX, and did not arrive back to XXXX until late evening of XXXX/XXXX/15. When I arrived back home, I realized that my debit card had been used to make approximately XXXX purchases from my checking account with Capital One 360. I immediately called and stopped my debit card, but since I had been gone for over a week, did not know what had gone on. Since this has occurred, I have fought with Capital One tooth and nail, and even though I have sent Capital One a notarized affidavit of the XXXX charges not being mine, a copy of my itinerary, and a police report, they have continued to question each and every charge, making me send them the exact same paperwork for each and every single charge, eventually, finding in my favor for all charges, except for XXXX, which is the reason for this complaint. There was a charge for {$410.00} made on XXXX/XXXX/15, ( also when I was still in XXXX ) made through XXXX Online Catalog, ordered with next day delivery. Please note that I am a customer of XXXX, but have never ordered online or through their catalog ; I have always gone straight to XXXX of the XXXX stores available to me in the XXXX area! In addition, I had a credit from XXXX which I had just received in the mail a few days before I left, and which was sitting out on my desk by my computer for 40 % off. This coupon was used by the woman who also used my card. I suppose the bank found this somewhat strange that the person who used my debit card would also used this 40 % off coupon. However, I think that she was probably just trying to buy as much merchandise as she could with my debit card and therefore used this coupon as it was just sitting there, unfolded and open! I went round and round with Capital One about this charge, and XXXX of course disputed this. I asked Capital One how they could find that all the other XXXX charges were not mine, but that this one was?? THe other thing was that this item was sent by XXXX with no signature required??? That is strange in itself. The delivery slip ( attached ) says that the deliveryman was " met by a woman ''. That 's impossible because I was gone all day on the XXXX of XXXX, 2015, as I had medical tests scheduled XXXX miles away in XXXX. I did not take delivery of this XXXX item, however the woman I hired was told to leave my housekeys under my mat ( I have since changed my locks ) and they were there when I arrived home early evening on XXXX/XXXX/15. Attached to support my claim are all of my discussion with Capital One 360, police report, XXXX dispute, delivery page of XXXX item with no signature, and my itinerary showing I was out of town until XXXX am on XXXX/XXXX/15 and then not home the entire day of XXXX/XXXX/15! Capital One has refused to see my point of view on this claim so not am I only out {$410.00} for an item I never got, but I am also unable to use the XXXX Credit for 40 % off which is rightfully mine and was used by this woman while I was Back XXXX for a family funeral. I want my complaint forwarded to the Department of Banking for further handling and to cause Capital One 360 to return my monies of {$410.00} to me, as I did not do this transaction and did not benefit from this transaction.
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06/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I have a credit card with Capital One that ends in XXXX. I have auto payment enrolled and my autopay date is the XXXX of every month.
On XX/XX/2023 I scheduled a manual payment of {$870.00}. I mistakenly filled out the manual payment form by selecting the wrong bank account to draft the payment from, which was a Capital One checking account ending in XXXX. The account I meant to use was a XXXX Checking account ending in XXXX. I have not used the Capital One checking account in over a year and it has maintained a XXXX balance during this time. Yet despite the XXXX balance Capital One did not close this checking account and it remained available as an option in the drop down for me to select as a payment source for making a manual payment for my credit card. After I submitted the manual payment request on XX/XX/XXXX, I also cancelled my automatic payment that was set to auto draft on XX/XX/2023 ( a {$600.00} payment ) because I assumed I would no longer need this payment since I scheduled a manual payment instead.
On XX/XX/2023 logged into Capital One and saw that my payment had posted, so then I logged into my XXXX account to confirm if the payment had been drafted and thats when I first realized that the payment was set up incorrectly and had not been drafted from my XXXX checking account. I then called Capital One that same day ( XX/XX/2023 ) and explained to a customer service representative that I had scheduled my payment using the wrong account and that it was showing as posted on my Capital One credit card account. I also told them I had cancelled my auto payment that was previously scheduled for XX/XX/XXXX because I didnt think I would need it since I had made a manual payment. Since I knew that the manual payment would get returned as NSF because the Capital One checking account had no funds, I then asked the customer service rep if I could make a new payment of the total balance on XX/XX/2023 in order to avoid a late fee and avoid an interest charge. The person explained there was no way to make a payment on a credit card that was showing a XXXX dollar balance and that I would have to wait until the payment was returned. Since I was not allowed to make a new payment at that time, I did have the customer service rep close all of the remaining checking accounts that were not being used and had a XXXX balance in order to prevent them being used mistakenly in future manual payments.
I then waited and the payment was finally returned after the due date and I got a {$25.00} late fee plus a {$16.00} interest charge. I called Capital One on XX/XX/XXXX, to dispute these fees as there was no way for me to make a payment on XX/XX/2023 which was before the due date ( XX/XX/2023 ). The customer service rep I spoke to assisted me in getting the {$25.00} fee refunded but explained that their system would not let them issue me a refund of the interest. I asked to speak to a supervisor hoping that person would be able to assist in overriding the systems limitations but they also told me the system prevented them from issuing a refund for the {$16.00} in interest. At that point I was furious.
Capital One has no right and are breaking the law to tell me on XX/XX/2023 that there is NO way to make a payment before the due date and then, after it becomes late, charge me a late fee and interest. I never carry balances and get charged interest and I never pay late. I pay my credit cards off every month. The limitations of their technology system prevented me from making a payment and I was a proactive consumer who was trying to do so.
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03/17/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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In XXXX of XXXX I filed my tax return for the year of XXXX, The estimated refund date was XX/XX/XXXX in the year of XXXX.
Due to negligence on the behalf of XXXX XXXX XXXX XXXX, one number was missing from my account number.
This resulted in a delay in receiving my tax return as far as I knew, I reach out to XXXX XXXX XXXX XXXX, Capital One as well as the IRS, with no clear indication as to what happened or why my tax return is this late.
I discover on my own that XXXX XXXX XXXX XXXX made a mistake with the account number, so I then call them to seek a resolution and there's nothing they're able to do for me.
So I then attempt to get in touch with the IRS and that proves to be difficult with two to three hour wait times, negligent workers who are bitter and overworked and resentful toward the people they have to help.
I also made an attempt to reach out to Capital One to find out what happened, and all three companies or entities alike, gave me the runaround and told me nothing but open-ended half truths.
During the process of them lying to me deliberately so they don't have to give me my money or resolve the issue they caused. I recorded every single phone call, documented any names and everything else that can be related to these circumstances ; in relation to all three entities and or companies.
Capital One in response to the first claim I filed had responded directly to me by transferring the money into my account in the amount of {$1.00}, XXXX, plus 12 additional deposits that were only a mere dollar and cents amount, this is not a direct compliance with the complaint and laws surrounding my ability to file this complaint against them for negligence, considering the interest amount is not in accordance to the proper calculations of each quarter that are in accordance to IRS tax laws, 4.5 %, to 5 % to 6 % across the year of XXXX... Leading up to XXXX, the most recent change was in XXXX up to 6 % in the year XXXX, and based on my calculations considering my tax return is over 223 days late, and based on my calculations given the interest rates I'm owed XXXX to this very day, and at 6 % of XXXX that's XXXX each day I don't receive that money.
And considering it's after a point it's no longer XXXX XXXX XXXX XXXX responsibility, because Capital One did receive the money and let someone else steal it ; This is fully capital one 's responsibility.
And respectfully, the last complaint wasn't complied with, considering I didn't receive the XXXX I was due to receive at the time before it increased based on the IRS interest rate for LATE RAX RETURNS.
I'm also adding to the complaint that Capital One used deceptive business practices to trick the CFPB into believing that they complied, which is illegal as well if anybody would like to look that up.
My desired resolution is to receive that XXXX dollar amount as I'm legally entitled to it, and considering Capital One told me any and all IRS deposits would be sent back and lied when they knew my money had been stolen. I fully expect you guys to reconsider your position on compliance. Especially considering I still haven't received any phone calls from your managers yet before you guys formally replied to the CFPB about my complaint, keep being deceptive and keep lying because I will keep calling until I get this money, also if you guys think it doesn't apply, you wouldn't had paid me ANYTHING at all, Especially the extra interest deposits of a few cents each, and again! That wasn't compliance since it wasn't the correct corresponding amount based on IRS quarterly interest.
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03/12/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American, Servicemember |
XXXX XXXX, XXXX The information below is the same information that I have furnished to a XXXX law Firm for possible litigation against Capital One NA and Transunion. I feel that the CFPB should be aware of these illegal practices of Capital One N.A., and take action to see that they are not allowed to do this to other consumers. Please do your job!
I had an unsecured installment account with Capital One, while living in XXXX, opened on XXXX/XXXX/XXXX. I moved to XXXX on XXXX. I filed Chap XXXX BK in XXXX, on XX/XX/XXXX. This debt was listed in the BK. Cap One charged off the debt on XXXX/XXXX/XXXX. Last payment made to Cap One was on XX/XX/XXXX. They sold the debt to XXXX XXXX XXXX XXXX. Cap One has reported the debt as charged off/sold to another Lender, {$0.00} ( XXXX ) balance, ever since it was charged off. XXXX XXXX then reported the debt as theirs with a balance of {$5500.00} ( XXXX dollar more than the charge-off amount ), and is still reporting this same information. My Chap XXXX was dismissed on XXXX/XXXX/XXXX due to documents not provided by my attorney to the BK Trustee, after I had paid into the BK for almost a year. The credit bureaus have reported this same information up until this month, XXXX/XXXX/XXXX. This is a time-barred debt that is scheduled to fall completely off my credit report in 5 more months ( XX/XX/XXXX ). Yesterday, XXXX/XXXX/XXXX, I discovered that Capital One has re- reported this debt, as a valid, new debt, to the XXXX CRA 's, with a balance of {$5500.00}. I disputed this with XXXX and also with Cap One by phone, yesterday ( XXXX/XXXX/XXXX ). It appears they ( Cap One ) did this on XXXX/XXXX/XXXX. Cap One says I CURRENTLY owe them {$5500.00}, and is reporting this to XXXX and XXXX. XXXX XXXX is ALSO reporting that I owe them {$5500.00}. I believe that Cap One re-reported and re-aged this debt willfully, and maliciously. I have contacted a consumer attorney about a lawsuit. This dropped my XXXX credit score by XXXX points, putting my score at XXXX, just below the threshold for a pre-approved VA loan that I have recently applied for, and was pre-approved for, a month and a half ago. The VA threshold is XXXX. Now, I can not purchase the house that we are looking at, because my score has dropped, and I no longer qualify. I believe this was done maliciously, and illegally ( violates the FCRA ), by Cap One, to damage my credit rating, and to coerce me to pay this time-barred debt, which they charged off and sold to XXXX XXXX. I am XXXX years old and retired now, living on a fixed income, so I am looking for information on suing on a contingency basis. My wife and I have suffered enough for the last 7 years and I would like to sue Cap One ( Federally, if possible ) and/or Transunion, for violations of the FCRA. I have been XXXX long years waiting for my score to come back so we can qualify for this loan. Now, that we have finally reached our goal, our legs have been knocked out from under us, forcing us to continue to rent and robbing us of the right to, once again, own a home of our own. I am sick of these people and their underhanded tactics. In addition to this, XXXX XXXX is reporting this same debt monthly to the CB, so that this 7 year old debt appears to be new debt. This has caused damage to my credit and credit score for the last 6 years.I will NEVER pay this debt. Do you think I have a case? I am also going to report them to the CFPB, but I am not sure they will do anything other than a slap on the wrist of Cap One. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
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08/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American, Servicemember |
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Reference : Credit Card XXXX XXXX XXXX XXXX Comenity Customer Care On XX/XX/XXXX our bank, XXXX XXXX XXXX transmitted {$910.00} electronically as payment in full for our XX/XX/XXXX XXXX XXXX credit card statement to Comenity Capital Bank XXXX The Confirmation Number was XXXX. The payment was received by Comenity Capital Bank, Tracking ID XXXX. We submitt our credit card payment each month around the XXXX of the month to cover the full amount of the statement. The XX/XX/XXXX is the only payment they say they did not receive.
Comenity Customer Care states they did not receive that payment. With several phone calls and many hours of discussion including hours on hold, all we learned is that they want us to provide a front and back copy of the check and that they were having problems with their computer during that time frame.
The payment was transferred electronically and the trace numbers were submitted to Comenity Customer Care. Comenity Customer Care has refused to talk with representatives of XXXX XXXX Bank or to engage in a three-way call with our bank Customer Care representatives .
On XX/XX/XXXX XXXX 's ceased using Comenity Capital Bank and now uses XXXX XXXX. Therefore, our Comenity account was closed without this {$910.00} payment being resolved.
We request that Comenity Capital Bank send us a check for {$910.00}. Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Dear XXXX XXXX : Requested proof of address is as follows for MY XXXX ' XXXX XXXX XXXX XX/XX/XXXX {$490.00} PAYMENT DONE ELECT TRACE NUMBER XXXX XX/XX/XXXX {$910.00} PAYMENT DONE ELECT TRACE NUMBER XXXX Our Customer Care Center is available weekdays XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX for email support or by calling XXXX.
Sincerely, XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( p ) XXXX ( I ) XXXX XXXX Date Range Past 12 months XX/XX/XXXX and future Filter By All Select from list Showing Comenty - My XXXX XXXX XXXX payments. Clear Filter Showing 1 - 11 of 11 payments page Description Category Amount Deliver By Status Comenty - My XXXX XXXX XXXX Credit Card {$970.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$1000.00} XXXX Processed XXXX House Checking XXXX XXXX XXXX XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$490.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX XXXX XXXX My XXXX XXXX XXXXXXXX Credit Card {$910.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$270.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$310.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX XXXXXXXX Card {$300.00} XXXX XXXX XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$140.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Comenty - My XXXX XXXX XXXX Credit Card {$430.00} XXXX Processed XXXX House Checking XXXX XXXX XXXX XXXX XXXX Comenty - My XXXX XXXX XXXXXXXX Credit Card {$79.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX XXXX - My XXXX XXXX XXXX Credit Card {$210.00} XXXX Processed XXXX House Checking XXXX XXXX # XXXX XXXX Total {$5100.00} XXXX XXXX Processing, and Processed payments only, including any fees Showing 1 - 11 of 11 payments page
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04/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
On XX/XX/XXXX, the VA Department of Social Services erroneously issued a bank levy order against me in the amount of {$16000.00} on my Capitol One account. I had a previous bank levy place on my account in XXXX of XXXX and it was resolved with Social Services and the monies owed were paid ( {$6000.00} ) from this same account. At that time all other monies were released. DSS forgot to remove me from their system which issues bank levies which caused the 2nd bank levy to be issued on XX/XX/XXXX.
When I contacted the Department of Social Services on XX/XX/XXXX, they admitted their error, apologized and said they would immediately send a release to Capitol One bank. I spoke with XXXX XXXX ( email address : XXXX ).
The release was prepared and send to Capitol One on XX/XX/XXXX by XXXX XXXX via the fax number provided by Capitol One. I called Capitol One three times to confirm receipt and all three times they denied having received the information. I then contacted XXXX XXXX who advised me that due to COVID-19 all DSS staff were working from home and she could not resend the fax as she did not have access to a fax number. At this time she provided me with a copy of the release letter that had been sent to Capitol One in the hopes that they would accept the letter directly from me. She also agreed to call them herself so she could offer to send the letter directly from her DSS issued email. Since that time, both myself and XXXX have called Capitol One and spoken directly with the Levy and Garnishment department. In all instances, they have refused to release the bank levy stating that it is their policy that the release MUST be faxed from the same same fax number that the original bank levy was received. Due to COVID-19, this is absolutely impossible as all XXXX workers are working from home and do not have access to the original fax machine. The state of Virginia is under a Stay at Home order through XX/XX/XXXX which means that is the earliest they can accommodate this request. In the interim, I am not working due to COVID-19 and I do not have access to my much needed funds. This puts me in the position where I am unable to purchase basic essentials such as groceries and my XXXX medications. While I understand the need for procedures and protocols, there needs to be flexibility in these procedures when a crisis of this nature hits. On Sunday XX/XX/XXXX, the Board of Governors of the Federal reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, the Consumer Financial Protection Bureau and the Conference of State Bank Supervisors released Interagency guidelines encouraging financial institutions to work with borrowers affected by COVID-19, consistent with safety and soundness standards.
I understand that these guidelines are directly related to loans and borrowers, however, I am hopeful my point is not lost. if the regulators want banks to work with borrowers on their loan in order to ensure there are not mass foreclosures and BK filings, how much more necessary is it for a financial institution of Capitol Ones size to loosen their self created internal procedures in order to ensure that one of their longtime customers is able to purchase basic necessities. I am considered high risk as it relates to COVID-19 ; without the ability to purchase my medications and basic necessities, Capitol One is putting me at more unnecessary risk, all because they are unwilling to exercise some common sense flexibility in releasing this bank levy.
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10/12/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Older American |
My vehicle is financed through Capital One Auto Finance. Initially in XXXX 2015 the XXXX payment was due although I did not receive a payment notification on this payment. When I spoke with customer service around the XXXX of XXXX I was advised of the payment and at that time I requested a due date change because the due date did not work for my budget. I was advised this would be changed and when my XXXX payment would then be due. I made my XXXX payment 8 days early or at least I thought I did based on the new payment date I was advised of. Toward the end of XXXX I received another call stating my account was more than 30 days behind and after informing customer service of the information I once again was told everything would be updated and the account would reflect what they had said. I waited for the confirmation but did not receive XXXX. In XXXX customer service contacted me saying the same thing about my account status. I spoke with the agent and she assured me that after the account was so called " current '' the due date would be changed.The amount I had to pay was XXXX because she was waiving the late fees due to the situation. The agent had contacted me after I sent an email in regarding the issues. At this point according to what had been paid and what I had been advised my next payment was due on XXXX XXXX which I did pay. Unfortunately due to reasons beyond my control my account was hit by fraud and XXXX 's payment was not available by the time the check cleared. I advised Capital One of what happened the first of XXXX and advised them as soon as XXXX XXXX credited my account I would make the payment which I attempted to do on XXXX XXXX in the amount of XXXX. I received confirmation of the payment scheduled and then on XXXX XXXX Capital One called and requested a payment which I did understand due to the payment on the XXXX. XXXX stated no payment processed on the XXXX and due to it being 30 days she could work out a catch up plan with me. I was advised my account was XXXX payments behind and according to the changes it is not. I told the agent that I had the XXXX to pay on my account and the payment was scheduled but she insisted on putting me in this " catch up plan '' and I was concerned about my credit being affected. The agent plainly stated to me that this would keep the credit from being affected because it would appear to be current. Finally I agreed on the plan and gave her a XXXX payment. I called into Capital One after receiving the notice because it stated the status would be turned into the credit bureau totally opposite from what I was told. She stated to me that once the plan was complete the negative marks would show current. I heavily stressed the negative being off and she assured me if the plan was carried out the late payments would be removed. Once again I was lied to after getting another letter and speaking with a customer service agent. The late payments would not be removed and would remain as late pays on my credit is how the plan works. I am upset at my the initial lie where I was granted a date change and thought my payments were being paid correctly but were late from the beginning but even more so the " catch up plan '' they claimed to not affect anything has impacted my credit severely when I was paying a payment and then another XXXX 4 days later but was advised no that with the plan I only needed to pay XXXX and not XXXX on Tues and XXXX on Fri. Had I not been informed correctly with the deceptive lies my credit would not show late payments and a balance due of XXXX payments.
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08/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased a hotel reservation for XXXX XXXX XXXX on XX/XX/XXXX via the travel site XXXX for {$1400.00}. The future travel was to be for dates XX/XX/XXXX - XX/XX/XXXX. In addition, this reservation had a " Free Cancellation '' option which was available until XX/XX/XXXX and this " policy '' is clearly documented on my initial reservation as well as the travel voucher and cancellation. Due to the COVID-19 pandemic, the XXXX XXXX cancelled all reservations at this property through XX/XX/XXXX and reimbursed all of the 3rd party travel agencies for all reservations. I then proceeded to cancel my reservation on XX/XX/XXXX which was within the free cancellation period. To my surprise, I was not refunded my monies, but given a voucher. I attempted to contact the travel agency on XXXX regarding this stating that I wanted a refund and not a voucher, but never received a reply from them and they closed my case. I then reached out to Capital One and disputed this charge.
Initially, I was given a dispute case XXXX case # XXXX XXXX and they credited back the funds and I thought that was the end. Then travel agency then sent me an email on XXXX telling me to reverse my charge-back and they would continue with an extension of the voucher. This was not acceptable and even though I did not ask for a reversal of the charge-back, Capital One reapplied the charges to my account as stated in the new case XXXX new case # XXXX XXXX letter on XX/XX/XXXX.
I have now provided Capital One twice with the proof of the free cancellation policy for my old and new dispute cases XXXX new case # XXXX XXXX as well as copies of all documentation from the travel agency confirming this, but they are not responding to reimbursing my funds. As this dispute falls under the Visa Charge-back policy XXXX XXXX, I should have been refunded these funds as I have proven a righteous case with sufficient documentation. In addition to my initial calls in the previous case, I have also repeatedly called Capital One to seek resolution ( called on : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) and have been passed to multiple " agents '' and supervisors, and these calls are documented within the Transaction Support Center, but I still have not been able to get final resolution. What I do get repeatedly from Capital One is to " call back in a week '' or It is with our dispute team, but I never seem to get a straight answer. Capital One also has all of the supporting documentation for both cases.
I am trying to get my funds back for a worldwide pandemic for which I had no control over and the cancellation and resort shutdown I had no action in, but also as well for acting within the terms of the documented cancellation policy of when I purchased the reservation. Even though this should have been resolved within 90 days by law, this issue is now going into 6 months now by Capital One using 2 different dispute cases with no resolution and Capital One is just washing their hands of this even though I never received the services I purchased. My last call on XXXX was with a supervisor, XXXX XXXX Employee ID : XXXX ), who still could not provide resolution to this issue, but stated that the bank of the travel agency refused to refund the money, but she will look into it. I am at my wits end! Part of the reason of using my Capital One Visa is for purchase protection, but it is obvious that this is not the case. Who is protecting me when the vendor does not live up to the terms of the purchase? I thought my credit card company XXXX Capital One ) was supposed to protect me.
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11/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- High-pressure sales tactics
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Web |
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I am writing to address a major concern that has been bought to my attention legally. The information that I am discussing is listed in the US Constitution where all laws are acknowledged legally no matter where you live in the United States. If the laws are not enforced properly the person or business violating the law can be fined and legal action can be taken against them as well.
According to 15 USC 1662 : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount On XX/XX/XXXX I went into XXXX XXXX XXXX to look over options to trade in my vehicle. I was interested in a used car within my budget. The salesman immediately choose a XXXX XXXX XXXX for my purchase. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was forced so that XXXX XXXX could take possession of the vehicle. In order to take possession of the vehicle {$2200.00} was paid to the XXXX XXXX and Capital One Finance determined how much the payments would be instead of discussing with I, the Creditor how much I could afford and how long I would need to pay off the debt. When I went to the dealership I let them know that I wanted to put down {$1000.00} towards the purchase of my new car and that I wanted my payments at no more than $ XXXX monthly.
The Truth in Lending Act, which was passed in 1968 to ensure that everyone is treated fairly by businesses in the lending market. The TILA was also violated at the time of sale because the down payment was inaccurately decided, the Creditor should have been given an option to purchase the automobile with a down payment present and without a down payment. As a consumer I was pressured into getting this vehicle and trading in my current vehicle, which was a XXXX XXXX XXXX. I was not given the option of financing the car with no down payment.
I am demanding that my down payment be refunded for the above car loan, In addition to {$1000.00} for each law that was broken during this transaction.
15 USC 1605 states that at the time of purchase a clients liability insurance must be added in with the car price and finance charges, this did not take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage.
This was also not offered at the time of purchase. I am requesting a fine of {$1000.00} for each law that was broken as well. In addition to charges that I have already paid for my liability insurance which is {$3800.00}. The full duration of the car loan is XXXX months, in that time frame I will have paid a total of {$18000.00} in liability insurance. I am requesting a refund in Total amount due : {$8000.00} for unlawful charges and fines.
I am demanding that this is taken care of within 15 days from receipt of this letter. If I have not received payment then we will move to the next step to have the issue rectified.
The car loan was made out to me and also broke several other unlawful practices listed in the United States Constitution I am therefore demanding that the car loan become null and void and the title and lien are released.
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08/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
I just moved here from out of state. I needed a newer car. XXXX offered me a used XXXX XXXX with low mileage. I was managing the account and I notice my statement had billed late fees. I attempted to change my due date via capitol one. I contacted them and explained my new employer paid me bimonthly. My bill was due toward the end of every month. I was told when the account became current meaning .no late fees on the account. Capitol one would then agree to change my due date. which I continued to pay after the due date. I had no other alternative I was experiencing some economic challenges but was staying current with my account as best as I could. I was unable to bring the amount current because I was unable to do so with less money than I originally made Some months my checkbook was balanced to the last dollar. I worked to pay my normal car note in full meanwhile interest on the account continued to rise.
The pandemic came and In XXXX I was laid off. I begin to receive unemployment, but it was less than my normal salary causing additional hardship. Capital One 's outgoing message stated, during the Pandemic, that customers should not worry during the quarantine period " Capitol one was not supposed to charge interest during the quarantine or reporting late payments due to Covid19. However, I was reported and when I disputed the information with the credit bureau, they retracted the report made to the credit bureau. unfortunately, if a disputed report is retracted, my credit score still drops. The irreversible damage has already been done to my credit score. Suddenly there seems to be an increase in payment reminders, past due, and there is a " change to your credit score '' emails. I did some independent research regarding my rights as a consumer. and a military widow. I found out there are some laws that are not being regarded when referencing my account. MY FAMILY AND I HAVE ALREADY PAID THE ULTIMATE PRICE FOR THIS COUNTRY. My spouse and father of children died on XXXX XXXX. All American citizens deserve civil and equitable treatment. I am disgusted by Capital One 's lack of moral compass and disregard for me as a fellow citizen and a consumer.
I am confident, CAPITAL ONE Finance is violating my consumer rights per USC 15 congressional codes and the Fair Credit Reporting Act. I shared the information with Capitol ONE via registered mail. I am attaching the same documents I forwarded to them. It seems that they have elected to not take me seriously as a consumer. Per USPS my communication was delivered XX/XX/XXXX ( see attached receipt ) yet yesterday XX/XX/XXXX, I received communication from them about the state of my account. In the Communication, I included notarized documents a, Cease and Desist letter, an affidavit, and supporting documents there seems to be a pattern of harassment via phone calls and a breach of confidentiality on more than a few occasions via electronic documents. I included what I consider a fair resolution of a fraudulent contract. According to our countrys constitution and federal guidelines, certain violations have been repeated continuously. In my affidavit are my outlined expectations. I also checked the XXXX reviews. My case is not an isolated incident. I need the support of your agency to ensure that this doesn't happen to anyone else doing business with Capital One. reputable established. They are blatantly violating established congressional codes. Statutes that go back as far as XXXX. I am beyond disappointed Any support in this matter would be greatly appreciated.
Thank you
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06/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Good Afternoon. I had two accounts with Capital One, which they closed out without my permission. With these two accounts, this affects my credit report. For account XXXX, I had issues with this XXXX account since XX/XX/XXXX. Back in XX/XX/XXXX, my account was passed due for a few reasons. I was not able to do a payment over my home/cell phones and online payments due to service issues with XXXX. At that time, they were working in my home area, they had to do underground work/placing new wires on the ground. Where I worked, I am not allow to use office phone nor do online payments because I can get terminated from job. Heres the reason why I want my full 100 % refund back from both XXXX XXXX numbers : XXXX and XXXX. Back on XX/XX/XXXX or XX/XX/XXXX, I spoke to a supervisor in the XXXX office and did the payment for me and said he will remove fees on my account ( ending XXXX ). I thought everything was all set with this account, but had another issue back on XX/XX/XXXX. I was hit with another past due/late fee charges, which I spoke to 53 representative on this date to explain what happened and to have a manager to listen to call. Finally, on XX/XX/XXXX, I made the payment after a manager review the call. The same manager told me that he will reverse the fees into account. Another issue I had with capital one is the line of increase. My last line increase was back on XX/XX/XXXX, after I found out after applying several times that I had to wait six month. I did received letter but never received an attached FAQ about my account. I spoke to a representative name XXXX back on XX/XX/XXXX. She was the person ( after speaking to 30 representatives about this matter ) that I had to wait until after XX/XX/XXXX. So, on XX/XX/XXXX, I applied and said I was denied because my account was past due ( which was capital one errors ) and debt ratio is too high. I spoke to several people and had several manages telling me that they will research this matter and return my call. You have to understand how frustrating because I had to write down names of people who I spoken to and tell me either they will call me back in 24-48 hours to resolve my issue or I had to follow up after 48 hours. This is where I was getting very upset. Finally, I spoke to a XXXX ( I think thats her name ) and said she will not listen to calls because I was being rude and closed my account without my permission. I found out the account was closed after trying to use the card. Not only had she closed the account ending at XXXX. She also closed my account ending XXXX ( which I did not have any issues with ). The account that ending XXXX, I was going to get a {$250.00} increase on the card. I am disputing both accounts for the following reasons : 1. Capital One did not have my permission to close out my accounts. I received the letter after calling the office to find out account was closed. 2. This affects my credit score ( big time ). I was forced to pay off {$2200.00} in order to get my credit score/debt ratio lowered. 3. I am demanding a refund for account ( XXXX ) for XXXX. I also felt that account ( XXXX ), they need to make balance XX/XX/XXXX because I did not have any issues with that account and this is also affecting my credit report. Attached are the letters that was sent to me when applying for an increase on the account ( XXXX ). I also would like to be reimbursed for the amount of {$2.00} ( because I had to go to XXXX, scan and email copies to the Consumer Protections. I would like a call back at XXXX at your earliest convenience. Thank you XXXX XXXX
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03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts.
The account listed below has violated my federal given consumer rights to privacy amongst other things.
Account name- XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples.
1. In XX/XX/XXXX XXXX XXXX stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation 2. In XX/XX/XXXX XXXX XXXX XXXX I was 150 days late to XXXX but reported me as paid to XXXX.
XXXX. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE 7. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX 8.XXXX- XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. XXXX XX/XX/XXXX this company reported to XXXX XXXX I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.
15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
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01/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I, XXXX XXXX, formerly XXXX XXXX XXXX, received a letter from XXXX and XXXX, XXXX acknowledging that they are a debt collector. Who were pursuing me for a debt, they say, I, owe to Capital One Bank ( USA ) N.A. In this document they stated that no attorney in their office has personally reviewed the particular circumstances of this account. They also reiterated that their office is acting as a debt collector. The due date that I was given to respond was XX/XX/XXXX.
However, a Warrant of Debt ( Civil Claim for Money ) was entered at the, XXXX XXXX XXXX XXXX XXXX XXXX, on, XX/XX/XXXX, against me that listed Capitol One ( USA ) N.A, as the plaintiff and XXXX and XXXX XXXX, as their attorney. I appeared in court on, XX/XX/XXXX, to dispute this claim. I spoke with the XXXX and XXXX, XXXX 's, representative, XXXX XXXX, who was present. To whom, I, made it known that I am disputing this claim due to validation issues. She instantly began to name a list of documents she would send to me for this purpose. To include the bill of sale, bill of particulars, and debt verification letter. I only received a partial bill of particulars. I know this because we went back to court on, XX/XX/XXXX, to set a trail date and the judge ordered a bill of particulars and any other evidence to be disclosed to the court and to me as well. I received a second copy of the partial bill of particulars I had received previously, plus additional bill of particulars that were not previously given.
I attempted to contact the attorney at XXXX and XXXX XXXX, seeking to resolve this matter on two separate occasions. I called the numbers ( XXXX ) XXXX and ( XXXX ) XXXX that was on the documents disclosed to the court and myself by XXXX and XXXX XXXX approximately on, XX/XX/XXXX. The representative whom answered the phone said, " this is a debt collector any information obtained from you will be used to collect a debt, '' I was confused. I asked to speak with the attorney handling this account. The lady repeated to me that, " this is a debt collector not a law firm ''. I was confused even more. I also called on, XX/XX/XXXX, approximately XXXXXXXX XXXX., and spoke with a lady whom again said, " this is a debt collector anything you say will be used to collect a debt, ''. I asked her if Capital One ( USA ) N.A hired them to be their attorney for this case and she seemed just as confused as I was. She said no, we are a debt collector. I asked if they had attorneys there and she responded, " we are connected to attorneys but we are not a law firm ''.
I contacted Capital One ( USA ) N.A on XX/XX/XXXX, at approximately XXXXXXXX XXXX I, spoke with a man who said, " this account in question is no longer a Capital One, account and, " we turned it over to XXXX and XXXX to handle ''. I asked him if they sold this account to XXXX and XXXX, and he repeated, " we turned it over to them ''. I asked if they hired XXXX and XXXX, to represent them as attorneys for this case. He replied, " No ''!, " They are a debt collector, not attorneys ''. He also informed me that any issues I may have with this account I must contact XXXX and XXXX.
My complaint is that XXXX and XXXX XXXX are not abiding by the Fair Debt Collection Practice Act, by misrepresenting themselves as attorneys in order to collect debt. They are misusing the courts to bring up lawsuits as a way to intimidate consumers and or alleged debtors without following the proper process of verification and validation. Which may have caused many to pay or settle their Warrant in Debt accounts outside the court.
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11/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I submitted the following : On Thursday, XX/XX/XXXX I sought to deposit a check for {$2000.00} through the Capital One 360 mobile app. On the screen before completing the deposit, a message read " your funds will be available the next business day ''. I completed the deposit and a message appeared saying my funds would be available on Wednesday, XX/XX/XXXX. I immediately called the bank and asked that either the deposit be cancelled or the hold be lifted. A XXXX, XXXX, came on the line and explained that while neither were an option, he had a simple suggestion that would resolve the issue. XXXX suggested I take the check to my local bank ( I also bank at XXXX XXXX ) and cash it there, that it would process with XXXX before it did with CapOne and that the CO transaction would cancel itself without incident. I was surprised by this and asked if it could be check kiting or illegal. He said " no '' that there was no problem with it and assured me it would be an easy fix, the local deposit would post long before the CO transaction would. This call was recorded. I deposited the check at XXXX later that day and early Saturday morning, at XXXX XXXX XXXX received an alert that my account was overdrawn by over {$1100.00}. I called XXXX and they explained the deposited check had been refused. I checked my CO account and saw that the {$2000.00} was in my checking account and on hold, that CO had already processed the deposit. I called CO and explained the situation, including the details above. I was connected to three different managers before finally reaching XXXX, the woman who could release the hold. XXXX refused to release it, to call the drawee bank to see if the check had cleared, did not believe that a manager had told me to deposit the check elsewhere and said that I was the one responsible for the error and therefore the bank would not do anything to resolve it. She wasn't interested in listening to the previous call. On XX/XX/XXXX, I filed complaints with both Capitol One directly ( via XXXX XXXX XXXX instructions ) to XXXX and with the XXXX I have not received a response from Capital One. On XX/XX/XXXX, via the Capital One banking app, I was told the check had been returned unpaid. I immediately contacted the drawee bank, XXXX XXXX, spoke to XXXX XXXX at my local branch in XXXX XXXX and asked why the check was returned. He spent the day investigating and then explained that the check had NOT been returned, that in fact, it had been paid to Capital One on XX/XX/XXXX. He also provided me with proof of that. I contacted Capitol One and asked for my funds to made available. Per XXXX, I was told I had to submit a dispute, which I did, and that I would be contacted on XX/XX/XXXX. I was not contacted. On XX/XX/XXXX, I called CO again and was told my dispute was being investigated.
On XX/XX/XXXX, over a month after my original complaint, I received a response from XXXX. Unfortunately, the response included mistakes of fact i.e. XXXX XXXX did NOT return the item from Capital One but instead PAID the item on XX/XX/XXXX ( proof available upon request ) and though XXXX attempted to explain why the funds were placed on a five day hold, he did NOT explain why the funds were held for an additional 25 days. Also, I have left three messages for XXXX. He has responded to none of them and Capital One has only responded once to my over a half a dozen complaints with three different organizations. This is entirely unsatisfactory. Therefore, this is a follow up complaint for a matter that arose from a previous complaint.
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06/22/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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Web |
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On Tuesday, XX/XX/XXXX, I initiated a Real Time transfer from my personal bank account with XXXX to my other personal bank account with Capital One. XXXX 's system stated the transaction went through successfully ( Transaction # XXXX. ) From here, I didn't think anything of it as I have completed numerous transactions before from XXXX to Capital One using this method.
On Monday, XX/XX/XXXX, I noticed the funds were removed from my XXXX account as expected, but had not been received by my Capital One account. I called Capital One card services at XXXX XXXX XXXX to find out if there was a transaction that was pending and basically where my funds were. They stated they did not receive any transfers and I need to contact the sending bank to have my issue resolved. This call lasted 6 minutes.
I immediately called XXXX at XXXX XXXX XXXX to find out what had happened. Once connected with someone, I was told the transaction went through successfully. I was also provided the transaction number for the transfer ( above. ) This call lasted 18 minutes.
After finishing with XXXX, I call Capital One back at XXXX XXXX XXXX to provide the information I received from XXXX to Capital One. Capital One took my information, however they stated they may not be able to do anything with the transaction number and needed a 15 digit trace number. The individual I spoke with created a case for me. I received the reply to this case on Wednesday, XX/XX/XXXX.
During the call with Capital One, I requested to do a 3-way call between myself, a Capital One Representative, and a XXXX representative in hopes that between the two of them, they would be able to locate my funds. The Capital One representative stated they need a 15 digit trace number to locate the transfer, but the XXXX representative responded stating that real time transfers do not produce trace numbers because it is not an ACH transfer. If it was an ACH transfer, there would be a trace number to locate it. They went back and forth for a bit, and the XXXX representative provided the transaction number ( above ) to the Capital One representative. The XXXX representative stated they were going to create a case number on their end to investigate this issue ( Case # XXXX ) We then ended the call. This call lasted 34 minutes.
On Tuesday, XX/XX/XXXX I received a response from XXXX via their documents portal stating no actions will be taken and the inquiry is now resolved. There was no further information.
On Wednesday, XX/XX/XXXX, I received a response from the Capital One case stating their records did not show an incoming deposit number and requested 15 digit trace number ( Ref : XXXX. ) I then called Capital One again to find out what is needed to find my funds, which they stated again the 15 digit trace number. This call lasted 13 minutes.
On Thursday XX/XX/XXXX, I called XXXX at XXXX XXXX XXXX requesting the 15 digit trace number, in hopes someone else would be able to provide the information to me. They did not provide the trace number, but instead provided me the transaction number. This call lasted 21 minutes.
I then called Capital One to ask if there were any other methods of tracking transactions without a trace number. They explained to me that for transfers, there should be a 15 digit trace number.
To summarize the rest of the calls, it was basically repeats of the same conversation from above on XX/XX/XXXX. I was on the phone between various parties from XXXX XXXX XXXX to XXXX XXXX XXXX.
I have attached banking statements of the month that the issue happened.
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05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2023, I made a hotel reservation at XXXX on the XXXX XXXX XXXX XXXX, FL for {$790.00} through the app XXXX. During the booking and payment, I was aware of their no-cancellation policy. However, what I was NOT made aware of by the merchant was that they would right afterwards ask for an additional {$250.00} deposit as well as to upload the front and back of my photo ID and my credit card as well as a picture of myself ( this is the link they sent to me via text to complete this : XXXX XXXX XXXX? XXXX ). Seeing as this was not a hotel with a well-known reputation, I was suspicious of fraud. I contacted XXXX and the merchant to try and cancel my reservation. They would not let me due to the no-cancellation policy. I then called my credit card company, Capital One, to see if I could have them void the charge. They told me that the charge was pending, so it could not be changed yet, but that I was okay to book a new hotel and that I should call after the charge clears/is no longer pending and they would take care of the charge. I followed their instructions.
After the charge cleared, I contacted Capital One and they said that I needed to create a fraud dispute with the merchant. I went ahead and did so as they instructed. On XX/XX/2023, Capital One sent me a letter saying that the merchant had provided a " confirmation showing no cancellation per policy was received. '' They asked me to fax/mail them some information regarding their cancellation policies and the sale itself which I did. They then mailed me back on XX/XX/2023, telling me that my response failed to validate my dispute and they could no longer assist me. I called them on the evening of XX/XX/2023, telling them about the issue. I emphasized that, first, Capital One was the one who had advised me to book another hotel with the insurance that they would be able to void the charge for me at a later time once the charge had cleared and that, second, the merchant did not advise me of their extra {$250.00} deposit, front/back of the photo ID, and front/back of my credit card at the time of the sale, only after the sale had been completed. To this, they were not very helpful and kept repeating that the only thing that I can do at this point was to provide them additional information, proof of return/cancellation, the invoice/sales receipt, response to merchant 's documentation, and a second opinion from another similar merchant ( in this case, a hotel ) stating that the original merchant is wrong and that I am eligible for compensation. However, they told me on the evening of XX/XX/XXXX that this would all be due on XX/XX/XXXX. After XX/XX/XXXX, they would not be able to assist me further. I thought that this was ridiculous, given that they are telling me to supply all of this information and contact a hotel ( while I am a XXXX and have lots of work and responsibilities besides this during normal work hours ) to successfully receive a second opinion within 5 days. They are also partially RESPONSIBLE for my actions in booking another hotel, insuring me that I would be able to receive my money back from this charge at a later time. I am contacting the CFPB to assist me in this inequity. Attached below, are letters from Capital One, the hotel listing on XXXX ( where you can clearly see that there is nowhere showing a {$250.00} deposit fee or information that I would need to send photographs of myself, my credit card, and photo ID ), and the invoice from XXXX. I have blurred out the name, address, and case number from each photograph. Thank you so much.
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11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting XXXX history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974.
One of the financial institutions, XXXX XXXX XXXX a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. SLS/FIRSTBANK is a financial institution by definition under that title.
15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option.
12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority.
According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer.
15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked.
Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law.
15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Also, 12 CFR Section 1016.7 states that A consumer may exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
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09/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
Ive had my CapOne account for nearly 10 years without issue. Since XXXX of 2020, someone has been attempting to fraudulently use my card at XXXX XXXX with multiple transactions ranging between {$720.00} up to {$2600.00}. The transaction for {$720.00} posted to my account on or around XX/XX/XXXX. The remainder of the transactions were authorization attempts that did not post to my account. I have spoken to an agent on four different occasions ( the 1st time on XXXX XXXX, 2nd time on XXXX XXXX, 3rd time on XXXX XXXX, and 4th time on XX/XX/XXXX ). On XX/XX/XXXX, I was finally able to speak with XXXX in the fraud department regarding this issue.
As a result of this issue, I have had to get my card replaced 3 times. Each time, the agents solution was for me to lock my card via the CapOne mobile app and unlock the card when I needed to use it for purchases and immediately lock it again. The agents told me that they were not able to conduct a fraud investigation, since the transactions were only attempted and did not hard post to my account. They explained that when a card is reissued for fraud, the old account is tied to the newly issued account through Mastercard ABU ( automated billing updater ) to prevent recurring charges from being declined. They explained that the attempted fraud charges were either on the old card or a result of the connection to the old card number by VCN ( virtual card number ). One agent also recommended that I leave my account unlocked to let the charge post, so that I could formally dispute it. Another proceeded to ask me if my sister or husband attempted to make the purchases and refused to accept my claim that the purchases were fraud.
On the XX/XX/XXXX call, we had a tri-party call with CapOne and we spoke with XXXX at XXXX regarding the attempted fraud purchases. They only asked questions about my information XXXX name, billing address, and phone number ) in an effort to locate a purchase attempt. They also tried to look for the last 4 of my credit card number ( s ) and last 4 of SSN to locate the purchase attempt and were not able to locate the attempt.
Each agent refused to start a fraud investigation for the {$720.00} or the other attempted transactions. It was not until I mentioned that I would file a CFPB complaint on the XXXX XXXX call that the agent agreed to accept my fraud claim.
My concern is that the CapOne agents actions are a direct violation of 12 CFR 1026 and Section 5 ( a ) of the FTC Act ( prohibition of unfair or deceptive acts or practices - UDAAP ).
The agents refused to accept my verbal fraud claim on at least 4 different occasions ( 1026.12 ) and conduct a thorough investigation of such ( as specified under both 1026.12 and 1026.13 ). Further, the agents were apparently placing a barrier to access for me submitting my fraud claim by incessantly providing alternative recommendations to alleviate the situation which is an abusive and unfair practice. The agents should not place a barrier to customers submitting a verbal fraud claim. I note that this is not a billing dispute under 1026.13 as these are FRAUDULENT transactions. Additionally, the agents suggestions to either keep my card locked and/or let the charge post are unfairly limiting my access to my credit account and another unfair and abusive practice. The ABU process in place with Mastercard is willfully permitting the attempted fraud charges to be tied to every new account number they have issued me. They should be able to break this connection on their system or with Mastercard to stop the fraud.
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02/11/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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CapitalOne has effectively " seized '' {$50000.00} from me, having withdrawn said funds from another institution to fund a new savings account, but then refusing to provide me access to these funds while also refusing to return the funds from whence they came.
CapitalOne mismanaged the account application process ; CapitalOne has failed to take concerted action to rectify the issue ; CapitalOne has provided incorrect/incomplete/inaccurate information at every turn ; CapitalOne has changed their story with every missed promise ; CapitalOne has wasted hours of my time as I have worked to rectify the fallout from their errors.
I want : My funds returned to my control ; CapitalOne management and potential customers to know of CapitalOne 's own incompetence ; Government overseers to be aware of and CapitalOne 's incompetence and abuse of my trust and the protections afforded to citizen customers, and for them to be held legally accountable to the fullest extent possible.
Timeline of Events ( all dates/times Eastern US, all individuals named below are CapitalOne employees ) : XXXX XXXX 2016 : I opened a savings account to capitalize on a " new customer '' bonus ( {$500.00} ) advertised as being available 90 days after opening a savings account. I am informed CapitalOne " prefers '' ( i.e., does not require ) that the new account to be funded from a checking account. CapitalOne accepts my source bank/account details even after I specified I was funding from a savings account.
XXXX XXXX : {$50000.00} in funds are transferred from source savings account via ACH transfer ; No trivial " verification '' deposit ( s ) is posted to the source bank savings account, an amount ( s ) which I am supposed to report back to CapitalOne to confirm ownership.
o/a XXXX XXXX : Call CapitalOne to inquire about missing verification deposit ( s ) and am informed this can take some time for CapitalOne to execute, even though I advised that the $ XXXX principal amount had already been successfully withdrawn.
XXXX XXXX : Learned from funding bank that the verification deposit ( s ) had been rejected because CapitalOne had designated they were for deposit to a checking account ; Source bank was unable to confirm amount ( s ) rejected ; XXXX # XXXX at CapitalOne then tells me my $ XXXX deposit is frozen - will not be released to me OR returned to source account until I confirm control of source account - that evening I fax a statement obtained from source bank proving withdrawal of the $ XXXX as instructed by XXXX, who said confirmation would take one day to complete upon receipt of proof of transfer/ownership.
XXXX XXXX : XXXX # XXXX informs me that confirmation can take up to seven days.
XXXX XXXX : CapitalOne sends email confirming that their investigation into recordings made when I opened the account confirm my recitation of fact. I also learn that CapitalOne has an additional 30 days to pay the interest bonus beyond the 90-100 days required to qualify.
XXXX XXXX : XXXX # XXXX advises that with or without the proof of ownership I faxed on XXXX XXXX, the hold on my funds will expire the next day and I will be able to establish an ACH link ( with a checking account this time ) which will enable me to withdraw my money.
XXXX XXXX : The lock on my funds has NOT been lifted. XXXX # XXXX advises that the verification team is overwhelmed with work and now 7-10 days are required. I inform CapitalOne that I have made my last call to CapitalOne and will now be filing a formal complaint with the Bureau of Consumer Financial Protection.
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02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Inquiries goes as follows : XXXX Agent Supervisor name : XXXX XXXX XX/XX/XXXX Capital One Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report.
XX/XX/XXXX XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX Capital One Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX Capital One Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXX XXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Disputed inquiry with company and Credit bureau stated that they can't remove inquires This is an unauthorized transaction. The Fair Credit Reporting Act ( FCRA ) requires all unverified and unauthorized items must be removed from my credit report
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12/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have applied for credit cards that are with XXXX XXXXXX/XX/XXXX the same bank that I have a XXXX XXXX credit card account with and feel discrimination with the invalid reasons to improve my credit score by the defaming reasonings, they are : 1 ) XXXX XXXX XXXX Mastercard Credit Card, as the statement is " your request was carefully considered, however, based on " information '' in your credit report, we are unable to approve your application, as to A ) too many inquiries that are/were a " hard pull '' to decrease my credit score, B ) Number of " subprime '' finance inquiries, as this is " deceptive business practices '' from within the XXXX XXXXXX/XX/XXXX that goes against the XX/XX/XXXXand the Federal Trade Commission, C ) the " proportion of loan balances to loan amounts too " high '', as this is/was unethical, illegal, and intended to depreciate the consumer, XXXX XXXX from the illegal tactic of using the 1 % loan balance as part of " income '' when in essence is a " school based loan '' and it report loans on credit reports is illegal when in " good standing '', and 4 ) too few bankcard accounts, as the consumer themselves has the " fair and balance '' right to justify how many credit cards the consumer needs, wants for business, or personal, such as to " increase '' or " assist '' in gaining a " good standing '' within the credit cards company, instead of being " shamed '' for not having the " financial portfolio '' designed within the rarity of consumers that care, such as myself, as reference number is XXXX from XX/XX/2020. The second letter from XXXX XXXXXX/XX/XXXXis a XX/XX/XXXXCredit Card, where I frequent as a consumer shopper for my moving merchandise, since I am moving within the next couple of months, the same statement, " based on information in your credit report, we are unable to approve your application at this time for the " new '' following reason ( s ) A ) Consumer associated with too many phone changes '', as I frequently update my credit report on a monthly basis, I have disputed every phone number that " does not apply '', or is " incorrect '', or has been illegally " long standing '' within the credit bureau ( s ) and of there " negligence '' to remove the information, data breaches that have happened within XX/XX/XXXXData Breach has " misinformed '' my credit report for several years as long as I have been working to " correct '' the issue to obtain " accurate '' personal information, " updated '' personal information. The other reason ( s ) are reported with the XXXX XXXX XXXX Mastercard Credit Card, as the reference number is XXXX. Furthermore, the third-party company, the " inaccurate '' company that needs to be reported to the Federal Trade Commission for " implied '' identity theft consumer issues, as well as " implied '' fraud consumer issues is " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, at XXXX, website address is XXXX. This company may be a " fictitious '' company that already " implies, infers '' deceptive business practices with XXXX XXXX XX/XX/XXXX whether allowed, or not allowed, or known, or not known to the company bank just is UNACCEPTABLE TO THE CONSUMER, XXXX XXXX .All dates of letters are XX/XX/2020, XX/XX/2020. This is a Fair Credit Reporting Act violation from the three credit reporting agencies to allow " XXXX XXXX XXXX have ANY CONSUMER CREDIT REPORT, this provides " unfair '' reporting business practices by a " third party agency '' that has not been heard of to the consumer to justify any validation of accuracy within the credit reporting bureaus.
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09/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I Am Writing Due To Capital One 360 { Capital One 360 XXXX. XXXX XXXX XXXX. XXXX, MN XXXX } Having failed to return my account balance to me, after a 7 month hold was placed on the funds and after they have closed my account and stated they are no longer in business relations with me. I have attempted to contact them multiple times. I have had multiple witnesses to the phone conversations and I have even had my best friend who is familiar with some law with me during these calls to assist in asking why the funding has yet to be released. I was informed that they would not release my account funds, mind you its been basically 7 months, unless I submit a release waver to them that releases them for the actions that they have done. I have now lost my home, my vehicle and my job, due to not having access to my money. I have called upwards to 20 times to date and have offered to send in proof of identity, My ID, my Social Security Card, My Birth Certificate and have even mentioned that I could even go and get a notarized statement that contests that I am who I say I am and that I am the owner of the account. All efforts that I have exhausted have went without notice. I have still not gotten a clear answer as to why my account was done this way in the first place and I have still yet to be supplied an exact answer as to what type of waver for liability they are seeking from me. During the process of setting up the account, it was being set-up by a friend that was assisting me during my federal tax submission. The addresses were needing to be changed due to a recent move and I even confirmed and changed all of my account information to the appropriate info with a rep. So I am unsure as to why I cant get my FORMER banking institution to talk to me, I 'm unsure as to why they have failed to release my funds from an account that has been closed since XXXX and I have yet gotten a clear answer on how and when I can expect to see my money. Your insight would be greatly appreciated, as since this is defrauding the general population and consumers alike. This should be taken care of so no future issues, similar to that of mine, happen to another person that banks with these fraudsters. Help would also be appreciated in recovering my XXXX deposit.
I have called since XXXX to validate my account to obtain my funds from my Tax Return.
I have written one letter and sent it in, requesting my funds and that letter contained photo-copies of my Identity as they stated they were having issues of confirming.
I have since called multiple times and have requested multiple times for management and for management support in fixing this issue.
It was stated that I had to give them a waver to release them of the liability for the actions they have made { Closing My Account, Holding Government Tax Deposit for 6+ Months In Closed Account, Hanging up on me and refusing to answer my questions regarding MY account and MY Money etc }, before they would release my funds to me.
Spoke to staff multiple times and multiple attempts at reaching management were rejected with staff stating they were unavailable and that a call back was placed in the system. I have not received a call back in over 6 months to date nor have I received on from my calls from earlier today.
The IRS has attempted to trace and retract the deposit for alternative payments and have also not received response from Capital One regarding these matters, with what I have been told by IRS Agents.
Your help in resolving and making known of these issues are greatly appreciated.
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05/23/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My dad had a Capitol One ( CapOne ) credit card. As his health declined, I held power of attorney for his finances, and I was paying his bills. I submitted a copy of the Financial Power of Attorney to CapOne, and got confirmation from CapOne on XX/XX/XXXX that the PoA documents were received and on file with CapOne. My dad had a CapOne balance at a 24.99 % interest rate, so with his permission I opened a credit card account at a lower interest rate for him and transferred all but ~ {$600.00} to the new, non-Capitol One account. My dad died on XX/XX/XXXX. I'm the executor of his will so I've been sorting out any remaining bills. He had no estate, nothing to probate, no property or assets of any kind.
I contacted CapOne on XX/XX/XXXX to let them know my dad had died and I asked them to write off the remaining ~ {$600.00} balance on his account. The rep I spoke to said the account was closed and there was no information they could give me.
Next, I received a letter at my address dated XX/XX/XXXX ; this letter was addressed to my mom who does not live with me and who has been divorced from my dad for 30+ years. This letter stated, " based on the info provided, ( my dad ) has been removed from the account. ( My mom ), joint account cardholder, is now solely responsible for the account. '' Around the end of the month, I got a letter dated XX/XX/XXXX from CapOne, again addressed to my mom at an address where she doesn't live, thanking my mom for " contacting CapOne about a credit bureau report '' -- neither of us contacted CapOne asking for any credit bureau reports. This letter further stated, " After researching your account, we've updated ( my dad ) as deceased and forwarded the info to XXXX, XXXX, XXXX, and XXXX credit reporting agencies. '' None of this action was requested.
On XX/XX/XXXX, I called CapOne again to explain that it was incorrect to have my mom on the account, that my parents had been divorced for 30+ years and that my dad had opened the account after their divorce, making him solely responsible for any balance. CapOne would not -- said they could not -- tell me the date my dad opened the account to enable me to prove my point.
On XXXX, I spoke again to Capitol One who said they, " couldn't verify an account opening date without address and social security number from ( my mom ). I declined to give CapOne any information about my mom. I'm pretty sure they wanted the information so they could pin financial culpability on my mom and I'm 100 % uninterested in that route.
In the ensuing months, CapOne has continued to send bills for the remaining balance to my home where my mom does not live. In XXXX or XXXX ( I don't have a date for this call ), I called CapOne once again to explain the situation -- that my dad opened the account on his own, that my parents divorced 30+ years ago, that the open date on the account will show that it is my dad who is solely responsible for any balance but because he is deceased that CapOne can't pin any financial culpability on my mom, etc. I get nowhere with CapOne ; they ask me for my mom 's address and social security number and I won't give it to them.
My latest and last call with CapOne was on XX/XX/XXXX, with a Fraud Supervisor who says for " security reasons '' he can't tell me anything about the account. He asked me to submit a Power of Attorney for my mom. I declined, and I refused to give up any information about my mom. Meanwhile, CapOne keeps sending bills to my mom for an amount she does not owe to an address where she does not live. I'm stuck.
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08/28/2016 |
Yes |
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Web |
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At the end of XXXX of XXXX I have lost my job, I have phoned capital one and asked if they could work postpone my payment for couple of month until i find a new job. I have always been on time with my payments as a matter of fact I have always payed my balance in full in less than a year XXXX they have increased limits on XXXX of my accounts from {$500.00} to {$2700.00} send me and offer to open an new account, gave me a {$2000.00} limit and because i never had a balance and whatever I bought on my credit card paid 5 min later via phone app the Capital one have increased my limit in less than 4 month to {$4000.00}. Sadly life happens I lost a job at the end of XX/XX/XXXX and my boyfriend died of XXXX. Our money were in XXXX account. I phoned Capital one on the same day that i have been laid off, and informed them of the tragic situation I was in. The individual ( male ) I spoke with said that they I still have to pay the minimum payment however I will not be charge any interest fees etc? I have phone my late boyfriends parents and told them that auto payments are scheduled for specific days, they refused to give me my money, but they promised me that the {$120.00} which the individual I spoke on the phone said I will need to pay on on XXXX account ( total of {$250.00} ) for XXXX will be in the XXXX XXXX I also purchased insurance on XXXX credit cards ( which of course no one can find at this point ) but how could I not after what happened in XXXX, I would never wanted to take any risk my trust with credit cards its slim to none. I have seen people lives destroyed, and ruined to to credit companies I would never sign up for a credit card with out insurance, still Capital One could n't find any insurance which was about XXXX on each {$1.00} i spend. Today I phoned to ask how come i ca n't use my credit cards, and I was told the my life has been destroyed by capital one and XXXX of my credit cards were closed. The moment I informed them that I have lost a job, my credit card were closed, and they said it was because my payments were returned, which I was never informed, and when I spoke to the agent in may he has never ever ever ever ever informed me about any of my payments being returned. I have paid payments from the same account I have always did, I have been a great customer of Capital One until I lost my job and was honest about it. My late boyfriends parents promised me that there will be money in our accounts for me to pay my bills and and the bill has been payed. I bag you this is my life this my credit when I spoke with the supervisor they said they have sand a letter about not about me not making payments, but about the account being wrong???? XXXX letter at the end of XXXX after I phoned and said I lost my job. Please help me. I beg you, I will pay the credit cards off, but how can they just those accounts when they have raised my credit limits from over 400 % in less than a year? Please do n't let them destroy me. I have a student loan of XXXX. XXXX, XXXX, and now they closed both of my account, when I phoned at the end of may and told the truth about losing my job. Help, please help. Where do I turn? where do I go? Where is justice for people who get laid off and are honest with credit card companies? I believed there was some reform? I volunteer, have helped those who needed help, please help me. I have worked for XXXX XXXX, and for former XXXX of XXXX of President Obama. I know that I 'm not the only XXXX being wrong. I bag you for help. Thank you kindly XXXX XXXX XXXX : XXXX XXXX : XXXXXXXXXXXX
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11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The financial institution has reported personal information to XXXX, XXXX, and XXXX which under 15 USC 1681 ( 2 ) ( A ) ( i ) states that reporting XXXX history is illegal. In addition, these financial institutions have violated not only the Fair Reporting Act but also the Privacy Act of 1974.
One of the financial institutions, XXXX XXXX XXXX a letter to my personal insurance company disclosing not only my non-public information but requested that my insurance company CLOSE my account and send them any credits that were available on my personal account. I have the right to make sure my private information is not shared which is backed by 15 USC 1601 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title.
15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The financial institutions never informed me of my right to exercise my nondisclosure option.
12 CFR Section 1022.3 Identity theft means the fraud committed or attempted using the identifying information of another person without authority.
According to the Fair Reporting Credit Reporting Act 15 USC 1681 section 602a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer.
15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the financial institutions whether it be verbal, non-verbal, written, implied or otherwise is now revoked.
Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency can make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law.
15 USC 1681 s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Also, XXXX CFR Section XXXX states that A consumer XXXX exercise the right to opt-out at any time. I am hereby opting out of any further reporting services.
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10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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To Whom It May Concern : I have opened up a 0 % interest card with Capital One credit services which has been open for only a few short months. I have made several attempts to pay this card in full ( Which is now currently paid in full. ) I have also applied my bank routing number to make automatic payments almost immediately. ( XXXX XXXX. ) Capital One had immediately reached out to me while trying to make this payment stating they need my " full bank account number '' from XXXX XXXX to verify my account. ( The only account I bank with. ) ( There is a 3-way recorded call with my bank. ) Capital One proceeded to tell them they will not make my payment or verify me until XXXX could verify my " full account number. '' XXXX had let Capital One know they are not able to disclose my full bank account number to protect my identity rightfully so. I asked when this issue could be resolved, and they had mentioned not until XXXX will release the full account number. That call ended and I had tried to pay with my debit card instead. At this point, Capital One had blocked my account immediately " until XXXX will verify my full account number '' ( Which an attorney has told me Capital One should never ask for the full account number but certain digits. ) As for attempting to make a full payment from my debit card I was not able to do so due to my blocked account immediately after the call. After several more calls to Capital One they claimed they would not unlock my account to make this payment. After several more attempts with a final 3-way call with XXXX ( Recorded call as well. ) I mentioned again, I am just trying to pay the card off in full and there needs to be some action here so that I can unlock my card and make a full payment as intended the first call. The XXXX representative had mentioned to the Capital One representative they can only give out certain digits again and immediately verified my account with those certain digits not the " full account number. '' The new representative at Capital One understood they did not need the full account number. With the same digits ( NOT FULL DIGITS OF BANK ACCOUNT ) I had entered in for automatic payments originally that should have been cleared on the first call If that representative had not asked for my full account number. Now, had the first representative stated only certain digits of the account XXXX would've been happy to disclose that, and the payment could have been made. Instead, they asked for more information than what they needed and jeopardized my identity and wellbeing. During this time of complication to pay off the card that had only been opened for a couple of months. Due to Capital One 's mistake about disclosing my full account number and non-help to unlock the card to pay it off with a debit card they put it through late payments even though I had attempted to pay this card off in full several times in any way shape or form. It did not matter because the original representative blocked it when they could not receive my full account number, with my social, and all of my personal information. ( As you can see that would never be a good idea for anyone to disclose their full bank account information besides the number of digits they need to verify. ) As advised by my attorney. My rights have been violated and along with that during this time of their mistake they have marked my credit on behalf of their mistake. It has never been more difficult to pay something off in full as Capital One has made it. I do not recommend 0 % anything with Capital One.
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03/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I have been showed you how I have been suffered from identify theft. All my checking account was withdrawn by someone.Let me talk about capital one bank explain.All the explanations dont make sense.
At XXXX XXXX XXXX XXXXXXXX XXXX was under construction last year.Since the house built, the owner moved into XXXXXXXX XXXX because I went to that house .Its impossible I lived over there.
Second because I asked for statements to report police and sent me to XXXX that address.Your bank workers just added to account which is identity theft opened.After XXXX, your bank just send me mail about statements.Thats why my true address is linked to this fraud account.
Third, On XXXX, I never said its my account. I have said many time I dont have capital one bank mobile app because someone open that under my name.My phone number is XXXX, Never use that phone number begins XXXXPlease confirmed the right number called capital one bank on XXXXif it was XXXX, I called your bank said it was not my phone number Since XX/XX/XXXX. The only one time I sent a copy of Id and social security copy and police report on XXXX XXXXAt last, My ID was stolen by someone, they have my social security number, too.So they do everything.So you confirmed all information is mines. I report police my id and social security was stolen by someone.Even those information can not be reason to prove it is mine open the fraud account, too.
I am a pity victim. I have closed all my checking account, and my credit score dropped down. I have so tired to solve identity theft which cost a lot hurt and money. You are such a company which have so many customers.You dont care one consumer just like me. I am one hundred percent doubt about when identity theft open account, your bank check address and phone number or not.Because my credit report did not have this address ( XXXX XXXX XXXX ) on there. I totally think about this was your banker problems.Because of your negligence, I become a victim of identity theft.When this happened, capital one bank attitude totally hurt me.When things happened, they put all liability or responsibility to me.All the time you dont trust me, and never tell me how can I dispute all charges and always refuse to let me provide any evidence.Even capital one workers talked about beneficiaries about this fraud account, capital one refuse to tell me. If I am owner of this fraud account, I dont have right to know, too. I also ask about how it credit card apply, capital one bank refuse to answer.If in person, Have capital one check my appearance clearly.I attached part of my credit report to show since XX/XX/2022, Identity theft did a lot on my credit report.XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX all the company refuse to prove credit card application. I totally understood you have some responsibilities in this case.Because of capital one, I am becoming victim of identity theft.Identity theft use your bank application is easy to get thought.On the other side, You are helping identity theft to XXXXtolen.Finally, my credit score is coming back to XXXXThey trusted me and help me delete this credit card record. I am totally disappointed that what capital one did and what capital one treat on me. I represent a kind of victim of identity theft. I have showed the police report said this account opened without my permission.why capital one choose do not see this.XXXX XXXX XXXX is a small money for capital one.But for me it is a lot under pandemic. I spend a lot of to solve all these problems since XXXX XXXXAfter that I dont work a lot.
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01/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I regret filing this about a month after the XXXX dispute - I had a personal matter that unfortunately drew away my attention to this item. I would like to resolve it now.
On XX/XX/22 I made a purchase through XXXX for a maglev rotating plant pot. The product arrived, but it was damaged. I contacted the seller/vendor through XXXX.
They agreed to provide a full refund and send me a pre-shipped mailing package ( see the chat correspondence in my packet sent to CapitalOne ).
Unfortunately, the vendor did not provide this. I notified the vendor that the only option I had that XXXX was offering was a partial refund which I did not want.
The product was chipped, cracked, and scratched up on arrival ( see photos ).
When XXXX would not honor my full refund and the vendor would not follow-up, I reached out to CapitalOne for a chargeback explaining the situation in detail. They reversed the charge, then sent me paperwork to fill out regarding why it was inaccurate. I explained the situation and provided evidence of this to them ( clear evidence of XXXX Chat Transcripts where the vendor acknowledges the product is damaged and agreed to a full refund. I also included photos and dates.
Capital One then sent me follow-up correspondence to ill out saying that XXXX claimed the product came intact ( this is not true ). I submitted additional documentation and explained that there was no other vendor ( at the time ) that sold this product, it was " unique '' in that I could only find XXXX vendor at the time selling this make and model which is why I was attracted to the product to begin with. I submitted my packet again. CapitalOne sent me another letter stating that I did not provide sufficient information regarding another vendor citing that the product was damaged because there was no other vendor and the " current vendor '' validated the product was damaged and offered a full refund. What more proof does Capital One need? I've been a longstanding cardholder with Capital One. I have always received exceptional customer service from them, but this is ridiculous. The proof is so obvious it almost feels like they never read my correspondence or saw my evidence. Please help me resolve this charge, and I do apologize for the length of time it took for me to follow up on correspondence. I was going through a difficult transition and time in my life, this wasn't a priority. I was not being incompetent in not following up, I already took steps to correspond with Capital One twice and compile a packet... Please help me. This isn't right. I would also appreciate it if CapitalOne personally looked into this case themselves from an administrative review to see if the person who handled my case number did so correctly or not - because, again, it feels like all they did was just " not want to look at the evidence, and not accept the explanation, '' thinking I'd just back off. If the person who handled my case acted negligently in not evaluating my case correctly, I'd like that person held accountable. I don't believe Capital One is a bad company, but maybe the person reviewing my case made a mistake or just didn't care.
Thank you, P.S. I attached the handsigned and digitally signed document but if that gives you issues, I also uploaded the compiled XXXX with just the hand signature but the item that was faxxed to CapitalOne was the one with both the hand signature and digital signature. They are effectively both the same documents. I just didn't know if you would have issues with a digital signature pdf so I included both.
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10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
In regard to the capital one auto finance account
This account has been negatively affecting me for some time now.
As per the reported information that YOU have listed on my credit report you can see the original loan was for XXXX for 63 months at 18%.
I paid 58 months of the term payments beginning at XXXX then shortly thereafter were increased to XXXX, and the last payment I made was XXXX Coming to a grand total of roughly XXXX When the vehicle was repossessed after attempts were being made to finish the loan off as you can see from the payment history. Little did I know I have been getting vamboozled the entire term of the loan and as such my vehicle was stolen(by repossession) as it should have been paid for. My credit has also been affected for almost 4 year now making financing another vehicle or anything else for that matter nearly impossible.
Logic and evidence as follows XXXX amount financed XXXX 18%
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Yr. Pymt. Mo. Yr.Total Principal Intst. Chrg Total. Yr.End Bal.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Corrected
XXXX paid at 58 months XXXX balance
I would have paid off the truck if there were fraudulent charges represented to me in the final balance of XXXX which is reported as a charge off.
Capital one after repossessing the truck auctioned it off bringing a payment of XXXX
Capital one comes after me for the remaining XXXX. Before realizing I was being scammed, I settled the debt with Capital 1.
In total Capital One claiming to be charging me 18% on the loan that would have yielded XXXX, in actuality brought XXXX as they fraudulently charged me 100% interest on the loan in some sneaky way. I do not fully understand how but in any mathematical world i have ever heard of the borrowed amount paid back XXXX is 100%.
XXXX XXXX XXXX XXXX XXXX Capital one recovered XXXX just over that.
Capital One reports the account as a collections charge of XXXX to date.
Due to the fact the amount owed was mis-represented to me and the real amount due would have been feasible to pay rather than the XXXX they claimed, resulting in my inability to pay the loan and my vehicle being repossessed. It also appears that the real number owed would have Paid the vehicle off free and clear, as would have been what was agreed to. For this reason I am entitled to damages due to the financial strain this has placed on my family over the course of the last 4 years as well as the negative effects it has had being reported incorrectly. I am also entitled damages for the XXXX distress placed on me by Capital one in making me seem inadequately handling my debt when it was only faults by their fraud. I am entitled and will accept no less than the vehicle to either be replace free in clear to me or the dollar amount that was paid for said vehicle that i no longer have XXXX and because of the nature of the investment and its appreciated value i also am due the XXXX it brought at auction far surpassing what the agreed upon repayment would be. Capital one should report it on my credit profile as paid in full without being late as I obviously was ahead as I was being overcharged. They should also compensate me for loss of wages due to not having a vehicle and all other hardships that entails. They should also have to place an apology on their website to warn other customers of their thievery.
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02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I received a letter dated XX/XX/XXXX on XX/XX/XXXX stating I need to send proof to Capital One that I am in fact who is the account holder on all 3 of my Capital One accounts before XX/XX/XXXX or my accounts would be restricted. I called Capital One to verify this was not a scam letter as I have been an account holder over 5 years and never once asked to send documents other than when I opened the account. The agent said it was valid and I had less than 24 hours to send the information to them. I went through a blizzard, called in late to work and faxed the documents to their " secure line ''. I called back and let them know I did get them faxed. The agent said great looks good we will let you know. In the meantime I am working to pay off debts to improve my credit score to buy a house. I paid off over {$2700.00} in cc debt to Cap One last week and logged in to make sure my credit score had risen to what the simulator said it would to find my accounts restricted. Went through 8 agents in three days on lengthy holds ( over 48 mins ) to have them tell me " they lost my personal data and to go to bed and try again in another day ''. After going through all these agents, I still had to resubmit the same data to still have my accounts restricted while I " wait for them to call me back ''. Secure data is not secure when your credit card company " loses '' it. Why are they spending ad monies on telling the consumer their data is important to them and they protect it at all costs when in fact I have proof they don't? I kept telling each agent I had a time/date stamp fax cover sheet proving I sent it to the right department and before the deadline. No one could do anything but once again tell me to send it over again and wait to have them call me back if a few weeks once they had verified the information. I am appalled at how my secure documents : driver 's license, social security card, federal tribal id card, my paystub and all account information including my physical address and billing address, sent to a " secure '' fax line showing with the time/date stamp it went through successfully is somehow " lost ''. How is the customer supposed to feel when they have been paying insane high interest rates, paying 2x a month above the minimum required and still yet got the account slammed with NO further communication from Capital One? I am grossly appalled and tired of being pushed to different department after department with no one resolving anything and blaming others. I reached out on social media to get a response and was told they were going to call me back. Never did until I had been on the line going through the same situation previously mentioned. I have now spent 102.10 minutes on the phone with various Capital One agents bouncing me from department to department to no avail. I sent over the same secure information ONCE AGAIN today and now have to wait until someone combs through the information once again to prove that it is me. Ironic since each agent would ask me identifying information on my accounts each time I got transferred. If any of my accounts were fraudulent I wouldn't have the identifying data. So in loosing my information, did an employee steal my identity? I won't know so I have to secure my credit file now. Thanks for the stellar customer service Capital One. So glad to be rewarded like this for being a good customer for over 5 years. I would strongly recommend not ever applying for a Capital One credit card- EVER! The customer is last and because they make a mistake they slam your accounts.
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11/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
Capital One RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : -What the money you say I owe is for : -Explain and show me how you calculated what you say I owe : -Provide me with copies of any papers that show I agreed to pay what you say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor : -Prove the Statute of Limitations has not expired on this account : -Show me the you are licensed to collect in my state : -Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
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07/27/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I decided to check my Business Checking account because I received a notice from my credit monitoring system that my Bank account was not connected. I proceeded to login and noticed that I did not see my accounts for my Business and Busines Savings listed in my Capital One XXXX XXXX account. I then proceeded to login to my personal accounts and I saw a message that says : Your funds are currently not available for withdrawal. Please call us at XXXX. I called the number that was provided and no one was able to assist me. I was on the phone for 2-3 hours trying to get some clarity and trying to rectify the situation. I called XXXX XXXX in hopes of getting some answers about my Business accounts. I was told that SBA sent them a HOLD HARMLESS LETTER. I contacted the Consumer Protection Department after learning that my business checking account and personal accounts had been frozen. The representative told me that they have terminated my relationship with this financial institution and that I would be contacted by an investigator. I was informed that there was no ETA. I just had to wait. I offered to provide immediate verification that I was approved for the loan. The representative stated again that there was nothing that I could do, and that I could not speak to an investigator. I demanded that someone give me answers because it was unacceptable for Capital One to just freeze my personal funds and not give me an email or US Mail correspondent. The representative told me that they did not have to inform me or give me any kind of notification about my account. I was told that all debts would be due immediately and that all funds in all of my accounts would be seized as bank property. Although the investigation was open or pending Capital One had already made the decision to return the loan amount in question to the SBA. I was awarded an Economic Injury Disaster Loan for my Small Business which was deposited to my Capital One XXXX XXXX account. So when I was awarded the PPP Loan in the amount of {$13000.00} I had it deposited into my Business checking account. I was financially devastated by the XXXX pandemic and the EIDL assistance and PPP provided working capital to keep my business afloat during a difficult time. I have banked with Capital One Business and personal checking since XXXX. Capital One is my primary Bank and I receive all emails directly from them. When I did not receive a phone call or a notice of an inquiry regarding the deposit in question, I knew something was not right. I did not receive a request for documentation, or a notice that my accounts were being frozen or closed. I have not had access to any of my accounts since XX/XX/XXXX. Majority of my utilities and my mortgage payments come directly from my personal account. I have not had access to any money for food or gas for my daughter and I. I also noticed that My utilities for my power bill have returned since that date. I discovered during my research that other small business owners and sole proprietors have been in the same situation with their accounts and assets frozen for investigation into their PPP loan payments. Capital One did not back this loan, these funds came directly from the SBA. The SBA should be the one to investigate for fraud on these PPP loans if there were any concerns. Capital One has overstepped boundaries and accused me of fraud and frozen my accounts without cause. This complaint could have been resolved if Capital One had asked for the documentation to verify that I have a legitimate business.
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01/07/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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On XX/XX/XXXX, I purchased some clothing items from the Kohls store in XXXX, WA. The amount for that purchase was {$83.00} and was paid for with our Kohls charge card. On XX/XX/XXXX, we moved from our home in XXXX, WA to XXXX XXXX, WA to start building our new home. With all the activity surrounding the move, address change, lack of cell phone coverage / internet, initiating the construction process, etc., I did not realize Kohls did not collect the payment through the Auto Pay program that we had been enrolled in since XXXX. The checking account that we authorized them to collect payment through Auto Pay was still active and had more than sufficient funds for payment of the full amount due.
On XX/XX/XXXX, I received a phone call from a Kohls representative advising me that our payment was 30 days past due. I questioned why it wasnt paid through the Auto Pay system that I was enrolled in and wasnt provided a clear answer to that question. I immediately paid the outstanding bill and they waived the late fees.
I later learned that my credit score had been substantially lowered and upon investigating learned it was due to this late payment that Kohls had reported to XXXX. I called Kohls and asked about the late payment issue and confirmed that I was enrolled in the Auto Pay program. I was assured that they would initiate action to retract the negative report to XXXX. I was given a case number of XXXX.
On or around XX/XX/XXXX, I received a letter from Kohls saying they looked into the matter and determined the information reported to XXXX was accurate. I immediately called Kohls again and spoke to an Account Manager by the name of XXXX. He looked over the file and said that somehow my Auto Pay status had been cancelled due to the fact that I had previously paid my balance in full (? ). I explained that all my credit card accounts, utility bills, etc. are set on Auto Pay with the balance to be paid in full when due, however, that does n't cancel the Auto Pay from paying the bill the next time a bill payment is due. XXXX told me he would reset the credit info and I should receive a letter in 7-10 days to that effect.
On XX/XX/XXXX, I received another letter from Kohls saying the same thing they said in the first letter. I called them and spoke with a Representative named XXXX, who said I was enrolled in Auto Pay and didnt know why the bill had not been paid through Auto Pay. She also explained that there was nothing further she could do.
I then submitted a request for XXXX to look into it. It was never my intent not to pay the bill and I believed the bill would be paid in full by the due date through Kohls Auto Pay system.
Upon the completion of the XXXX investigation, I learned the Kohl 's was still not willing to change the information provided to XXXX regarding this late payment that drastically affected my credit score.
My position is that I was properly enrolled in Kohl 's Auto Pay system and have never requested to be unenrolled from their Auto Pay system. The Checking Account that I authorized them to take payment from was active and had sufficient money in it to pay for the outstanding balance. The payment was late because they did n't process my payment through their Auto-Pay system. Due to the circumstances surrounding our move ten days after the purchase at Kohl 's in XXXX, WA I was unaware that the payment had not been collected by Kohl 's until they called me.
For some unknown reason, Kohl 's refuses to correct their information that was submitted to XXXX regarding this payment.
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10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Please provide me with : XXXX. What the money you say I owe is for.
XXXX. A detailed explanation of how you calculated what you say I owe.
XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe.
XXXX. A verification or copy of any judgment, if applicable.
XXXX. The identity, name, and address of the original creditor.
XXXX. Proof that the XXXX of Limitations has not expired on this account.
XXXX. Proof that you are licensed to collect in my state.
XXXX. Your license numbers and XXXX XXXX or XXXX of XXXX.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX ) XXXX shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. From your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
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02/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX, I learned that Capital One closed my consumer credit account without written notification. I called Capital One and learned from Customer Service Representative " XXXX '' that my account was closed because of " returned payments ''. Account Supervisor " XXXX '' confirmed that the reason for the closing of my account was due to " returned payments ''. However, my account status is " PAID/NEVER LATE '' with a credit rating of " EXCELLENT '' across all 3 credit reporting agencies per the information furnished/sold/shared to them by Capital One. However, the closing of my account is in violation of Regulation Z of TILA, specifically section 1026.5 ( a ) ( 2 ) ( ii ) ( A ) which states in part that Credit card accounts under an open-end a card issuer must adopt reasonable procedures designed to ensure that ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing or delivery of the periodic statement disclosing the due date for that payment. As such, regardless of a returned payment, my payments were never late. Additionally, Capital One failed to properly disclose the terms of the application and their subsequent conditions because according to Capital One 's own Terms and Conditions, under the heading " RETURNED PAYMENTS '' it fails to disclose that a consumer credit account may be closed, even though the account has never received a late payment, if a returned payment has been been received. Capital One has also violated Title 12 by committing language fraud, among other frauds, through their disclosures which omits the specific language that an account may be closed for returned payments although an account may be in " good/excellent/never late '' status. Capital One 's CEO, CFO and their Trustee have also violated my rights according to 31 CFR 328.5 and 31 CFR 328.6 by not fulfilling their obligation according to the Securities Exchange Act and Trust Indenture Act upon receipt of my endorsed securities. Capital One is also in violation of 15 USC 1666c as they refused to fulfill their obligation of the law when they sent me a statement with a credit balance of {$1.00} or more and failed to apply those credits to my account although I sent them several written directions, according to 15 USC 1666c and the Federal Reserve Act section 16 & section 29. Thus Capital One failed to perform.
On or about XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; I sent via certified mail with USPS, billing error disputes according to Capital One 's Terms and Conditions and according to my rights as a consumer in 15 USC 1666. Yet, Capital One 's CEO, CFO, and Legal Department, have not fulfilled their obligations according to the laws detailed in 12 CFR 1026. Capital One has further violated my rights by taking an adverse action against me contrary to TILA and FCRA rules and laws by closing my consumer credit account. Capital One has also violated UDAAP. Capital One is also in violation of the California DCPI, and other California Consumer Protection Rules and Regulations. Capital One has caused me emotional, mental, and financial stress and dealt with my account treacherously and unfairly. Capital One has violated 15 USC 1681-n by willfully and negligently refusing to comply with the laws, rules, and reporting the closing my account to XXXX, XXXX, and XXXX which is in violation of 15 USC 1681 which states in part that furnishers of credit reports are NOT to report the EXPERIENCES or TRANSACTION HISTORY of consumers.
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05/24/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I am a parent of a XXXX grade student, and the school reached out to parents if they would like their child to participate in an educational travel tour in XXXX of XXXX. My impression was that the school was organizing a tour for their students and this program was designed for the benefit of my child. This was my first time and I wanted to do this for my child. They gave a presentation, and made it appear safe and easy with a 100 % refund guarantee if we set the payment through our debit card for a monthly deduction towards the cost of the trip, which I did and enrolled my child on XX/XX/XXXX hoping it would be a good experience. Early in the month of XXXX, I got a notification in my email for a {$35.00} charge for declined payment, and I wondered where that came from because, I had money available on my Capital One checking account ending in XXXX used for the monthly payment. That was when I realized that this travel agency that collaborated with the teachers at my child 's school were all about extorting money from parents. I expressed my disappointment them for the false decline payment fee charge ( which was obviously an issue on their end ) and my lack of trust in them to let my child participate in the travel tour. I asked to cancel and requested my 100 % refund. I was told that I had to call to cancel, and after several attempts to reach them on phone, I finally did early this month, only to be told that they are imposing a cancellation fee and other charges totaling {$590.00}. This whole trave tour was misleading by the teachers in collaboration with this travel agency, manipulating parents through their children to defraud them. The XXXX tours have a very bad reputation, with a 2-star review on XXXX. I only knew this later when I had this issue with them, and for them to sneak into schools to manipulate parents with such a cruel policy in my opinion is fraudulent. They are making parents victims of their scheme and that should never be allowed. Knowing fully well that when it comes to an issue concerning the child of a parent, parents are vulnerable, and this is a clear case of such deception.
After failing to make XXXX Tours refund my money, I reached out to my Bank, Capital One to report this case and to file a dispute on this transaction explaining the situation to the fraud and claims department. To my suprise, Capital One Bank came back to tell me that my claim was denied refusing to protect me ( a cusomer ) from the greedy claws of a travel agency manipulating parents through teachers in their child 's school to extort money from them as in my case. I told the capital one agent on the call, that I would like to speak with a supervisor on this issue because I consider it that they are not proctecting me in this case, but I was denied the opportunity to speak with a supervisor.
I am filing this complaint against Capital one Bank for treating me with discontent and refusing to protect me from a fradulent and misleading situation with the trave agency. I am so diappointed with this bank that they totally refused my claim and the clear objective of the extortion I face with this merchant. Capital one should protect their customer in this light, and I feel they do not have any sense of what I am dealing with here, denying me the option to speak to a supervisor. To think that canceling a trip that is over 400 days away will attract a cancellation charge of {$590.00} for no service provided in my opinion is a pure scam, and Capital One bank refused to protect a customer from such scam.
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01/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Scalpers have been buying up all the XXXX consoles with complex software, making it impossible to acquire one, and then doubling and tripling the price. XXXX allowed this and continues to allow this. Despite that, I paid nearly double the premium, sight unseen, on XX/XX/21, for an item described in the listing as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEALED IN HAND Ships TODAY '' from seller ( redacted - can provide ) The item was not shipped until several days later, the first red flag from the listing that was " not as described. '' The item finally arrived nearly 2 weeks after purchase. When I opened the box, the XXXX was inside, but the seal was broken. This is the second red flag. It was not a brand new or sealed. I proceeded to open the package, anything could be inside since it was not sealed as stated in the listing. Inside was the XXXX and all components. The cables were unpackaged, and the controller was scuffed from what appears to be drop damage or possibly just bumped against something. I immediately reached out to the seller, XX/XX/21, and stated that I would waive returning the item, for a partial refund, ( since the item is impossible to find, it was used, the controller was damaged, and i paid for a BRAND NEW SEALED XXXX ). The seller refused a partial refund ( or any refund ) prompting me to open an XXXX XXXX XXXX case. XXXX policy states ( direct quote ) : " XXXX XXXX XXXX XXXX covers most transactions on XXXX. It means buyers can get their money back if an item didn't arrive, is faulty or damaged, or doesn't match the listing. '' the fine print follows as ( direct quote ) : " As a buyer, for your transaction to be eligible for XXXX XXXX XXXX XXXX : - You must complete and pay for your purchase on XXXX using an eligible payment method at checkout ; ( XXXX was used and is considered an eligible payment ) - You must meet the requirements specified in this policy, including taking action within the required time frames ; ( Within 30 Calendar Days ) - The item may not be an excluded item or subject to any additional exclusions ; and You may not seek resolution for the same issue by another resolution method ( I only contacted XXXX and electronics are not an excluded item ) '' Item was not as described in listing, and was also damaged, I should be covered. After waiting for the required period by XXXX, prior to them stepping in to assist, I opened the XXXX XXXX case on XX/XX/21. After opening the case, and the seller was notified, the seller immediately contacted XXXX, and the disposition of that conversation, lead to the case I opened hours ago, being placed on hold. The following morning, XX/XX/21 the case was closed in the sellers favor. I appealed the decision ( which should not have happened ANYWAY based on ebays policies ) and XXXX once again sided with the seller. I contacted XXXX who said their decision was final- with no explanation. I contacted XXXX, the same day XX/XX/21, who also denied my request to return the used console i purchased, siding with the seller again. Finally I contacted capital one, to have them help, since XXXX ignored their XXXX XXXX from the beginning and XXXX just sided with whatever XXXX did. Capital One on XX/XX/21 - denied my claim, stating that I never returned the item to the seller .... but thats because the seller denied, XXXX denied and XXXX denied my return. XXXX XXXX and anyone you speak to, feigns interest, tells you their is nothing they can do, their decision is final, and then just hang up on you when you arent satisfied with the outcome.
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09/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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On XX/XX/2019 I was notified by XXXX that my credit rating had dropped by 97 points. This seemed inaccurate so I checked my accounts for fraud.
It turns out CapitalOne decided to lower my one credit card limit from $ XXXX to $ XXXX due to not using it enough. Note, I always pay the balance in full. I inquired about this from the customer service rep. The first one told me that I was not using the card enough and my only option was to apply for an increase in 6 months but there was no guarantee it would be approved. I explained that my business on occasion needed access to this credit but they didn't care. I was told they didn't have any written policies around this issue and they were not aware of any internal or external contracts to escalate or file a complaint.
I hung up and I called back with the same scenario. The second rep did say there was an internal complaint dept. They sent and e-mail requesting my situation be reviewed. I asked what was their written policy on reducing credit limits due to usage that is under what they deem appropriate. They indicated they didn't know.
I followed up today, which was 10 days later given no response. I was first told it had not been reviewed. I pushed back and they went away and came back with the exact same explanation. I could apply for a credit increase in 6 months. I asked if they could see my other business credit card and they indicated they could. He also said he could see that I did use that card on a higher percentage usage but there was nothing they could do.
Why does this matter? I utilized my credit according to all recommendation of sound credit ... utilizing under 30 % of revolving credit, I do not carry balances and I have consistently maintained a credit score in the high 700 's and above XXXX the majority of my credit histroy ( 20+ years ).
Their action to reduce my credit limit ... due to NOT USING IT ENOUGH makes no sense and they can not provide a written policy on how this works. The decision was totally arbitrary. One reason for this for my business recently we converted some bills that typically pay annually to monthly so the total usage is about the same but we do not have the spikes ... of which we always paid in full anyway. I still may have needs for credit that would be over what they deem too low usage yet below my limit. Their actions, that were taken arbitrarily decreased my credit score by 97 points taking my credit score into the 600 's for the first time in my life when my financial position and credit position is the strongest ever and there is nothing I can do about it.
This is a very dangerous policy they have instituted against me as well as others given you can be in a situation where you use under the proposed 30 % of your limit and they keep lowering it to make sure that you are using 30+ % of your limit. If I were carrying a balance on the card and it appeared I was a high credit risk or growing credit risk this would seem prudent. Instead, quite the contrary, I am a super low credit risk. They take actions that then make me appear to be a high credit risk that will detrimentally impact me acquiring other forms of credit. I am a long standing card holder with an impeccable credit payment history and they didn't care. It is obvious their complaint department is a ruse and they do not care if their undocumented policy causes me harm.
I would very much appreciate you follow up on this to make sure they have clear documented policies that outline under what terms they can lower credit limits. Thank you.
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03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/2018 I purchased a 2018 XXXX XXXX XXXX sedan from the XXXX dealership in XXXX Maryland, on I believe what was a second time buyers program for people who had low or bad credit. Of course I was told I can get put in something that wouldn't cost me a lot when it ended up costing me more than I'm able to pay. And to my recollection my credit wasn't too good, but it was above XXXX. When speaking with the finance guy informed him more than once that the price he gave me for a car note each month would be too high considering all the other bills I would have to pay. I asked if there was any way that they could bring the car note down even if it was only about {$100.00}. I was told more than once that they could not bring it down due to my credit score and that after on time payments of about 12 to 18 months that I could refinance which after sitting there for two hours talking to him about the situation he knew that I wouldn't be able to but continue to sell me the car. Almost since I've had the car it's called me unnecessary stress because I have not been able to keep the payments up which means I was never able to refinance. And after asking my finance company over the years more than once if they did refinancing they told me they do not but I looked it up online and it showed that they do. My car has been in possession status once and almost possible repossession status once twice. Now 5 years later I look and I still have {$24000.00} after already paying {$24000.00}. when a total price of the vehicle was financed for {$20.00}, XXXX in which I'm sure all of that is due to not being able to make payments on time but over {$24000.00} left seems a big excessive to pay for a car that probably isn't even worth the money it was financed for, especially for the problems and thousands of dollars of major work that I've had to get done after it reached a certain amount of miles and still isn't corrected properly. Also talking with Representatives over the last couple years of and on and in the last few months, no one can seem to tell me how they came up with and calculated the finance charge, interest rate in car note, just that they can only read me what's on the screen in front of them. The car totaled and was financed for {$20000.00} with a finance charge of {$19000.00} at an APR of 24 % which brings my total to XXXX after a {$500.00} deposit and a {$100.00} trade in they added the total and it brought it to {$41000.00}, none of this even looks right to me and of course they didn't explain any of it. After doing my own calculations and research all of the numbers either come close or don't add up. And using their percentage rate with the car note they gave me it seems like the percentage rate was actually almost 32 %. My car was bought brand new with 11 miles on it so the percentage rate shouldn't be due to that and I also found that by law the highest they can charge for a percentage rate is 16 %, but lenders get away with charging more. Also I'm seeing on my papers that my got warranty on my car has XXXXe different prices which I don't understand any of. My attachments show my buyer 's order, GAP coverage, calculations I made on my own and that I found on the website using loan calculators and two papers for mileage one which is 11 for my original mileage and the second for a mileage over {$22.00}, XXXX which I'm assuming maybe the mileage expected for the car or before it starts to have major issues I'm not sure, but if it is then my car was having major issues before it got to that mileage.
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11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX, and XXXX are reporting information on my credit report incorrectly. My only name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX unit. XXXX my only job is XXXX XXXX XXXX and my only phone number is XXXX.
Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank Delaware XXXX department of education XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED INCORRECTLY. ( Please see attached reports for account numbers ) After severe research and Accounting. I am a living woman. And need these matters resolve immediately. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave.
responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting.
services.
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07/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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This is the XXXX complaint that I have filed against Capital One Bank during the last 57 days. For information regarding my initial complaint, which also involved my Rewards Money Market account ( hereafter, RMMA ), please see Case XXXX ( hereafter, Case XXXX ).
A brief summary of the facts associated with Case XXXX will facilitate CFPB 's understanding of my current complaint:1 ) After making a {$230000.00} deposit to my RMMA in XX/XX/XXXX, I had, as of XX/XX/XXXX, not received reward points for the month of XXXX. Historically, Capital One Bank credited reward points to my RMMA within the XXXX five days of the new month.
2 ) When I contacted Capital One, they cited a " bank wide system issue '' as the reason for the delay in reward points posting to my account, a claim reiterated in a letter, dated XX/XX/XXXX, that I received after this issue was resolved.
3 ) This letter also stated that the computer issue lasted from XXXX XXXX - XX/XX/XXXX. Note that Case XXXX was actually filed two days after ( XXXX XXXX ) the computer issue that effected RMMAs was resolved. Yet reward points were not posted to my account until ~ XXXX XXXX and Capital One backdated this posting to XX/XX/XXXX.
4 ) Finally, I know another individual who has a RMMA and he/she received his/her reward points during the XXXX five days of XXXX ( Note XXXX, below ). This fact appears to be inconsistent with a " bank wide system issue '' - if the issue was " system wide, '' presumably all RMMA accounts were effected, right?
Onto my current submission:1 ) On XX/XX/XXXX, I received an unsigned, undated notice from Capital One Bank informing me that my RMMA was being closed.
2 ) The notice did n't quite put it that way : instead, it stated that my ability to earn rewards points in my RMMA would end on XX/XX/XXXX and that the funds in the RMMA would be swept into a High Yield money market account in XX/XX/XXXX.
3 ) I received this notice 53 days after Case XXXX was opened. Retaliation for contacting the CFPB?
4 ) This notice arrived after a period ( XX/XX/XXXX-XX/XX/XXXX ) in which I had redeemed a high number ( Note XXXX, below ) of rewards points ( XXXX ). Possibly, Capital One 's attitude towards RMMA holders is, " Please, send us your money, because if you do then you 'll earn reward points (! ) but if you actually use a lot of these points in a short period of time, well, that will make us sad and we will close your account in order to foreclose the possibility of future sadness. " In terms of outcomes, I would prefer to leave my funds in my RMMA and continue to earn rewards points. Hence, I have XXXX questions for Capital One : 1 ) Are all RMMAs like the one I hold being closed on XX/XX/XXXX? 2 ) If not, then why, exactly, is my RMMA being closed?
Note 1 - I omitted this information from Case XXXX because I had not received permission from my friend to include it in that filing. Understand that my friend 's points posted the XXXX five days of XXXX - they appeared in his/her account during this period. In contrast, my points did not post until ~ XXXX XXXX and were backdated to XX/XX/XXXX by Capital One.
Note 2 - By " high, '' I mean relative to my perception of my annual spending on my Capital One Visa, which runs around {$16000.00}. A brief explanation is required : the rewards points referenced above are earned in a money market account offered by Capital One Bank. I typically transfer these points to my Capital One Visa rewards account, where I use them to offset travel ( airline tickets, hotel ) purchases.
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10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The company I'm disputing is Venture One Capital. I called the company to dispute a late payment, which was not actually late, just under the minimum. Prior to this I had recently signed on with a XXXX XXXX company, XXXX XXXX, I believe the date was XX/XX/XXXX of XXXX then ended the agreement with them on Tuesday, XX/XX/2023, choosing instead to pay my credit card bills myself as they came in. In the meantime, on the recommendation of XXXX XXXX, I was advised to pay a minimum of {$35.00} for the next XXXX months. Instead, I paid {$660.00} in XXXX, then switched all my accounts to autopay {$45.00} in XXXX and XXXX, and then, deciding that I wasn't going to use XXXX XXXX anymore, I paid Capital One {$2500.00} in XXXX. But, I actively went on and changed my payment to {$2500.00} in XXXX, and forgot to change the autopay off of {$45.00} like I did for every other CC company. So they received {$45.00} in XXXX, and to their credit let that payment go without a late payment, but they also never mentioned to me that it was under the minimum, and XXXX, which was under the minimum of {$230.00}, I got flagged for. But I called them, explained my situation, that I had simply forgotten to turn the autopay back up to {$300.00}, or {$350.00}, whatever I was paying before. And then proceeded to pay {$850.00} in XXXX when I realized what I had done. And their " account as not paid '' that month of XXXX is simply destroying my credit right now. It used to be near XXXX and now its in the low XXXX. And if you look back, I had never missed a Credit Card payment, nor car payment, nor mortgage payment in my whole life. Ive been an adult for XXXX years and have had XXXX of payments in my lifetime, not XXXX of them was ever late. Until now.
I also have my XXXX XXXX Capital One card that I never spend any money on, kind of an emergency card, and I received no word at all, whether it be via phone call, or letter, that my XXXX 's membership would be charged to this card, nor that my XXXX 's membership was due for renewal, and it charged my XXXX 's renewal to that XXXX 's Capital One card, and I didn't even know until I got a bill from them saying I was overdue on this card, that I had been charged. So, naturally I paid the {$110.00}, but got charged a {$29.00} fee plus {$1.00} in interest, and this was unbeknownst to me until I got another letter from XXXX 's Capital One saying I owed an additional {$100.00} in late fees. I don't know why I never got any letter saying my XXXX 's membership was about to be charged to my XXXX 's Capital One Card, nor do I know why they sent me additional letter after these charges were due, or why they felt the need to make an extra {$30.00} in charges all the way up to {$100.00}. Also... on top of that, Capital One still sees me as a person who's doing business with a credit repair firm like XXXX XXXX, even though Im obviously paying above the minimums and have been for a while, so I can not use any of my CC 's, so you'd think this would include my XXXX 's Capital One card. Guess not.
And not only that, but I tried to sign up for online payments, and at least to have me XXXX Capital One Card be seen online so I could see if any payments were needed, and to set up auto-pay, but time and time again I tried to do this, and when I go to add my XXXX card to my other XXXX, it says I have XXXX options.either I have a capital one card, or I dont, so every time I put, yes I do, it wouldnt allow me to add to XXXX card to my online catalog. I had to call in to have someone help me with this.
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07/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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Doing business with Capital One since XX/XX/XXXX. I sent a check in XX/XX/XXXX to apply to the XX/XX/XXXX statement ( as long as it got their in time ). I called the day before the due date of XX/XX/XXXX and was told the check had not been received and that I should check the next day if the credit had been issued. It had not been credited by the afternoon of XX/XX/XXXX when I checked. I was advised by their staff that I would need to make a payment on XX/XX/XXXX in order to avoid a late fee and that the mailed check would apply to the next cycle. Then to my surprise, this week I received notice that XX/XX/XXXX payment 'was n't received ' and I was 'past due '. I saw quickly that they probably made a mistake and applied both payments to XX/XX/XXXX cycle. When I called today to clarify and deal with the misunderstanding they refused to handle in an ethical or reasonable manner. 1st I asked to reallocate the 2nd payment to XX/XX/XXXX billing cycle. No, I was told. They define the due date and the bill cycle differently and the computer credited my 2nd payment to XX/XX/XXXX as a result. Yes, I understood. I explained. I had both customer service rep and her escalation manager XXXX ( emp # XXXX ) affirm they could see my intent of having the 2nd payment applied to the next cycle since they had n't credited the payment to the XX/XX/XXXX cycle. Great - we 're close to resolution. But no, they could n't reapply the payment. They would have to refund it and I would have to resubmit it. That would take days if not weeks and I wanted the 2nd payment 's credit on my account for interest accrual purposes. So I said no to that option. Instead, I offered to go ahead and make a minimum payment today to count as the XX/XX/XXXX payment as long as they reversed the 'late fee ' of {$25.00} since 2 payments had already been made and should have been applied 1 to XX/XX/XXXX and the 2nd to XX/XX/XXXX. 2nd The fee was assessed for making a payment 'too early ' NOT because one was not made. Remember, I confirmed on XX/XX/XXXX that the mailed check was not being processed or credited that day ( the last day of the XX/XX/XXXX cycle ). So it 's crazy-making when I looked on-line today they credited the 2nd payment on XX/XX/XXXX as well. But they refused to confirm that fact with me!! XXXX the escalated c.s. manager quoted, " There is not an opportunity to waive the fee. '' When I asked repeatedly why, she repeated the response with no explanation. When XXXX was asked to escalate the call she said she had no one to escalate it to. When asked to laterally transfer the call to a colleague, she said she would not. Conclusion : Capital One played games with my payments, necessitating 2 payments instead of 1. Then allocated them in a manner that they used to assess a fee, counter to what I was told would occur on XX/XX/XXXX by their own agents. When I confronted C.O. about this fact, they refused to reverse/credit {$25.00}. Their computer 's automatic actions to allocate payments in the manner it did so, and failure to notify me in a timely way on XX/XX/XXXX of the arrival of the check credit, could have easily been solved by the human component at customer service by reversing the fee, APOLOGIZING, and taking the additional minimum payment I offered today. The computer 's failed and the human beings who could have fixed the issue failed. I CAN TOLERATE MISTAKES BEING MADE BY A COMPANY IF THEY TAKE RESPONSIBILITY AND FIX IT. I WILL NOT TOLERATE ANY CORPORATE ACTION THAT HAS ANY SCENT OF UNETHICAL OR MANIPULATIVE BEHAVIOR.
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05/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX, XXXX, I received a copy of my free credit report. I have been working hard to build up and maintain good credit. My goal was to make sure I was in a position to start looking for my first house. According to my credit report, at that time, the account that I am filing this complaint about was in good standing.
I opened an auto account with Capital One Auto Finance in XX/XX/XXXX. The car that I purchased with this loan was totaled in an accident within the same month. I continued to make monthly payments, as well as paying extra each month. I was contacted by Capital One Auto via phone in XX/XX/XXXX. They said they because the car was declared a total loss, they expected full payment immediately. I explained that I did not have the full amount and I asked if I could pay a lesser amount if I agreed to have it paid off before the end of that year. They agreed to accept a settlement to be paid over the next three months, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Roughly 30 days after they received and posted my third and final payment, as agreed, I was sent the title for the vehicle.
When I received my credit report in XXXX of this year, XXXX there were no issues with this account. As of XX/XX/XXXX and XX/XX/XXXX, the credit furnisher continued to change the information reporting to the credit bureaus regarding this account. On XX/XX/XXXX, I submitted a dispute to the credit bureaus. This account was listed on the dispute as reporting incorrect derogatory information.
As of today, XX/XX/XXXX, I received an alert that this account is now reporting new derogatory information. Capital One Auto has now changed the account status to paid settlement on a charged off account. This account was NEVER late and NEVER charged off!!! My credit score dropped over 70 points today ( XX/XX/XXXX ) due to this false reporting. I immediately called Capital One Auto at the phone number listed on my credit report. I called at XXXX XXXX and spoke to someone named XXXX ( I spelled it out and he said that was correct ). I was told to file a dispute with the credit bureaus. I explained that me filing the dispute last month is what led to them to report even more derogatory and incorrect information. I then asked to be escalated to a higher department or someone who handles these types of issues. After another 25 minutes, and being placed on hold twice, I was told I would have to call back on Monday XX/XX/XXXX to speak with someone. I advised XXXX that I would be filing a CFPB complaint and if need be, I will seek legal counsel to file a lawsuit. He said he would make a note of that.
I can not afford, financially or timewise, to file disputes every month. Then, wait thirty days to see if the information will be corrected. This account was NEVER charged off and this whole ordeal should have never happened in the first place. I am in the process of purchasing my first home. and already applied for a mortgage. I was approved and submitted an offer yesterday XX/XX/XXXX, but my credit will be pulled again prior to closing on the mortgage. And, most importantly, I have a job where my credit and my reputation is a VERY important factor in my employment.
I am asking that this matter is thoroughly investigated and proper measures are taken so that this company can not continue to report reckless and false information without regard to the consumer and without repercussions to them. I 100 % feel that Capital One reported this false and very damaging information in retaliation for my initial dispute.
Thank you!
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02/10/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Numerous CFPB complaints have been filed since XXXX of XXXX regarding a close out check which was intercepted, cashed by a third party while I was on vacation. Capital One rep placed stop payment prematurely on initial close out check mailed to me, received on XX/XX/XXXX. I left for vacation on XX/XX/XXXX, a second check was sent via XXXX overnight which was left at my address and intercepted by this third party. Due to error on Capital One end, rep stopped payment prematurely which caused numerous overdraft fees. Capital One rep, XXXX XXXX, sent a third check for reimbursement of fees, has not reimbursed for stolen funds from closeout check in the amount of {$4200.00}. XXXX has tried to imply funds were received by stating account used to cash check was once linked to my closed Capital One account which was fraudulently added as a non Capital One account, my name is not on that account.. A Capital One rep later removed the account via phone call, while I was on the line, realizing it was linked without my knowledge or consent. Further, XXXX tried to imply a XXXX account used by third party whom cashed check is linked to my Capital One account, which it is not. I have checked with XXXX, there is no link and no transfer of funds in the amount of {$4200.00} into or out of my closed XXXX account. Also, XXXX has attempted to claim the third party lives at my address, which is not correct. At the time of incident, the party did not live there. I have provided information in past CFPB complaints as to whom the party might be and lived at address prior, several years ago, before I moved in. The person now replying on behalf of Capital One by the name of XXXX, has marked these complaints, which include proof of whereabouts at time of incident, as duplicate to avoid addressing them. Complaints marked as duplicate include proof of whereabouts such as an email from front desk manager showing dates I checked into and out of XXXX of XXXX XXXX, email from driver whom picked me up on XX/XX/XXXX, XXXX statement showing no amount of {$4200.00} into or out of account. In regard to Capital One rep 's behavior of marking complaints as duplicate to avoid addressing them, I would request CFPB launch an investigation. Most recently, I spoke with Connecticut Dept Of Banking, their rep stated an affidavit should have been sent to me from Capital One about this matter, they failed to send it earlier from XXXX when I brought this matter to their attention. XXXX had one emailed to me in XXXX, it was filled out, sent back on or around XX/XX/XXXX. I have been checking on status of it, Capital One reps have no update on it, provide same time frame of 60-120 days, it has been 90 days now with no resolution. It appears XXXX XXXX is no longer with Capital One, which is no surprise as she does not seem to resolve many complaints brought against Capital One, with CFPB or OCC, both have complaints on file about this matter. She has left her number in prior replies, does not accept or return calls, a total of seven messages left. She claims she can not return calls while complaints are in progress which I can assure the CFPB is a out right lie, she did not return calls even when prior complaints were closed out. This may not seem relevant, however, it goes towards credibility. I assume rep now replying on behalf of Capital One will mark this complaint as duplicate, if so, I again request CFPB to look into this behavior and overall matter. I am still owed these funds, which were not received, Capital One needs to reimburse me.
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10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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10/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
Fr : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Case Number XXXX Card Number last four XXXX Claim Number at XXXX XXXX XXXX XXXX This is a detailed summary of the problems I have been having with Capital One regarding a dispute over {$1300.00} with XXXX XXXX XXXX.
1 ) The original amount billed on XX/XX/XXXX was {$3000.00}. See attached sales invoice ( Incl 1 ) This amount is an estimate of the out of pocket expenses that I would occur for a medical procedure. XXXX XXXX XXXX required me to pay that amount on XX/XX/2019 or forgo the medical procedure. I was told by the clerk on check-in I would be refunded the difference should the estimate be higher than actual cost.
The exact amount to be paid is set by the medical insurance company XXXX. Once that amount is reach XXXX issues an EOB ( Explanation of Benefits ) which show exactly how much I own XXXX XXXX XXXX.
2 ) See the EOB ( Incl 2 ). The highlighted part shown the amount owned by me, which is agreed upon by XXXX XXXX XXXX and XXXX. That amount is {$1600.00}. See Incl 2 *1 3 ) On page 4 of 5 of the EOB, XXXX clearing states IF YOU ALREADY PAID YOUR HEALTH CARE PROFESSIONAL MORE THAN THE WHAT I OWE AMOUNT, PLEASE ASK FOR A REFUND. HEALTH CARE PROFESSIONAL, YOUR XXXX AGREEMENT DOES NOT ALLOW YOU TO BILL THE PATIENT FOR THE DIFFERENCE. See Incl 2 *2 4 ) On XX/XX/2019 I asked the Health Care Professional ( XXXX XXXX XXXX ) for a refund of the difference. ( {$1300.00} ) That was calculated as follows. Originally paid {$3000.00}, the correct amount should have been {$1600.00}, XXXX XXXX owns me {$1300.00}. They would not issue a refund.
5 ) When the billing department at XXXX XXXX would not issue me a refund on XX/XX/2019 I called Capital one and disputed the charge in the amount owned me {$1300.00}.
6 ) 1 ) On XX/XX/2019 XXXX XXXX disputed my challenge with Capital One Visa and the charge of {$1300.00} was placed back on my VISA.
7 ) I call on XX/XX/2019 I called XXXX Customer Service and talk with XXXX XXXX She talked with a XXXX at XXXX Hospital Billing ( XXXX XXXX XXXX ), who said she would write a credit of the {$1300.00} 8 ) When I did not receive a credit by XX/XX/2019 I filed another dispute and received another temporary credit from Capital one Visa after filing another dispute.
9 ) On XX/XX/2019 XXXX XXXX disputed the refund again ; they never issued a credit and Capital One Visa place the {$1300.00} back on my card.
10 ) XXXX XXXX owns my {$1300.00} and will not reimburse the money and Capital One Visa has ruled in their favor regardless of the amount of evidence I produced.
11 ) On XX/XX/2019, XXXX at XXXX XXXX told me their merchant account had been debited the {$1300.00} by Capital one and the monies never returned. Therefore they would not issue a refund. They told me to call Capital One.
12 ) On XX/XX/2019 at XXXX I called Capital One and spoke with " XXXX '' a Manager in disputes on Capital One on a recording line. I ask her if Capital One could provide me with proof that the {$1300.00} had been returned to XXXX XXXX ' bank. She told me it " was not their job to provide proof, that I would have to call Capital one Bank and obtain any proof I need myself '', or works to that effect. She was least than professional and a disappointment to me as a longtime customer.
13 ) The bottom line is I am stuck between to major multi-dollar corporations and can not get the monies own to me. Capital One failed to protect me as their consumer and sided with the merchant unjustly.
Supporting Documents Attached
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07/19/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
In looking over the documents you sent, not only did you skip over the main issue all together, but I can assure you, your research, which I appreciate, is not accurate.
# 1, I do have proof that there was a card in the name of XXXX sent to my house on my account, I had a witness present.
# 2 As well, I did not have a card with CAPITAL ONE that was not secure, card ending XXXX was indeed a secured card. We did not have any cards at the time that were not secured.
# 3. On every account, I made my payments on time. And just to make mention of XXXX card, on card XXXX, the amount of deposit was XXXX for a XXXX credit. You were in possession of the XXXX security deposit and I made XXXX payment. The cards are not unlimited cards in that we went well over the XXXX balance. So If I had a XXXX deposit, and I made a payment of XXXX, Assuming that I did use the whole balance on the card, then the card balance would have only been {$170.00} in which the XXXX deposit should have taken care of that in which you would have owed me money. The issue, is all the cards, I see that I made a payment after, and each card had a secured deposit of well over half of the value of the card, and I must assure you that we did not have a XXXX card that was unsecured.
# 4. I spoke to a FRAUD person on the phone, and I canceled the cards due to identity theft issues, not only was there a witness, in XXXX 2012, we had witnesses tell us that our CAPITAL ONE credit cards were being used by someone who had stolen the cards. A police report was made and you were notified. I have over hundred emails and faxes and several companies had tried to get a hold of you.
# 5 Furthermore, on XXXX XXXX, 2012, we had our whole entire apartment robbed, and we were also beaten on the property, as well as our personal records, and such were taken as well as several of our CAPITAL ONE CARDS. So when we filled out the police reports we not only put the cards in the report, we faxed CAPITAL ONE a copy of this XX/XX/XXXX, and we had already closed the accounts, as I said, we talked to the FRAUD DEPARTMENT as I said. So, all the letters sent after the accounts were closed I am not sure I understand, we put down {$600.00} on the {$750.00} card ending XXXX, if you look at the date, it was XX/XX/XXXX, it was first card I got, it makes common sense that it would have been a secured card too as I did not qualify for any other card from CAPITAL ONE at the time.
Card ending XXXX XXXX deposit, XXXX limit, and and I paid {$330.00} after closing card. So, XXXX plus XXXX is {$750.00} and the secured cards do n't go over the amount the card has limit for. So, {$930.00} you were in possession of for the {$750.00} card on close. And that is even if the bill was at {$750.00} at close I already explained card ending in XXXX, and the other XXXX follow. I made payments all the way through, I paid balances of a couple times a months on each card. And I made a payment a day or so after closing accounts in good faith bringing the account balances back, even though the cards were in others possessions and used without our consent, I still made the effort to CAPITAL ONE.
On all XXXX cards, I put {$1900.00} secured deposit, and all together the cards only equaled a value of {$2500.00}. so, if at best, I was to have owed anything it would have been {$600.00}. But, as I looked at the statements, I noticed something peculiar, CAPITAL ONE re applied well over $! 000 's of dollars in purchase adjustments after the accounts were closed and I made my last payment.
|
12/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I applied for and received a Credit Card from Walmart. On XX/XX/XXXX, the account was transferred from XXXX XXXX to Capital One. At that point I also had a Capital One Quicksilver Credit Card. Up to the point the Walmart card was transferred to Capital One, I had not had any problems with either account. But when the Walmart card was moved, Capital One froze the account. When I contacted them to find out why the Walmart account had been frozen, they then froze my Quicksilver card account as well.
Capital One 's explanation for these accounts being restricted was that there was some type of security issue. They requested that I send a copy of my drivers license front and back. I do not have a smart phone or a digital camera but I sent a copy of the front of my license that I had on my computer. But they said this was not good enough and refuse to unlock my accounts. They will not tell me what this is all about other than to keep saying that they are investigating something to do with fraudulent activity. But both accounts were in good standing and there were no security issues until the Walmart card was transferred to Capital One. Then when I called them about the Walmart Card they locked my other account for no reason. This makes no sense to me and I have not had any issues on either of these accounts or any of my other accounts.
On XX/XX/XXXX I filed a complaint with the XXXX in XXXX XXXX, Va. Nine days later on XX/XX/XXXX, Capital One responded with a bunch of gobbledygook about their security breach back in XX/XX/XXXX, even though when I talked to them on the phone they had insisted had nothing to do with what is going on with my accounts. They then offered me free Credit Monitoring Services, which does not resolve the problem of my accounts being locked, and which they should do anyway since they allowed my data to be compromised in the first place. In their letter they stated that they would be " mailing you information about how to enroll in two years of credit monitoring and identity protection with XXXX credit monitoring service at no cost to you. '' I do not recall ever receiving this mailing.
On XX/XX/XXXX, I responded to Capital One 's " response '' to my complaint with the following : In order to address and resolve my complaint I require the following : 1. A check in the amount of {$19.00} to resolve the credit on my Walmart card. This is money I am owed.
2. A detailed explanation from Capital One as to what prompted the restriction of my accounts.
3. An alternative way ( other than providing them with copies of my DL including the bar code on the back ) to confirm my identity ( though I really believe that it is ridiculous that that is even still necessary at this point ).
Capital one apparently never responded and on XX/XX/XXXX, I received a notice from the XXXX that my complaint has been closed.
So in summary, I can not use either my Wal-Mart card or my Capital One Quicksilver credit card.
Capital One refuses to unlock my accounts without me providing them a copy of the front and back of my DL including the proprietary information contained in the bar code strip.
They refuse to tell me what is really going on or what prompted my cards to be restricted in the first place They refuse to cooperate with me in trying to resolve this issue even though their are multiple ways to verify my identity besides sending them a copy of my DL which I don't trust them with at this point anyway.
They also refuse to refund the {$19.00} credit I have on my Walmart Card.
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01/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
On XX/XX/2022, I attempted to use XXXX to transfer my bill payment to my wife for {$330.00}, and I was using a new device to access my bank account. It prompted me with a confirmation request but did not state the user 's name like usual, and the payment was sent to the wrong person, whose phone number was 1 digit off from my wife 's. My bank at Capital One will not do anything to help me with this issue. I need the transaction reversed. I have reached out to XXXX as well, but I understand their policy is that all transactions are final. They responded by closing a previous complaint I had made with the CFPB, stating that the matter was handled correctly and according to their XXXX policy stated on the website. I called back to Capital One on the XXXX and XXXX, expressing my intention to file a regulation XXXX dispute over the same transaction. I was never contacted with any further information, although the second time that I called on the XXXX I was given a case number, XXXX. I called again on Monday the XXXX, and the representative told me that a case number was never opened despite me being told that it was, but he reiterated that the case was closed in accordance with bank policy. According to the CFPB website regarding regulation XXXX, transactions under error resolution include incorrect EFT to or from the consumer 's account, and it is the financial institution 's obligation to promptly investigate the oral or written allegation of error [ which they have now received three times ], complete its investigation within the time limits specified in regulation E, report the results of its investigation within three business days after completing the investigation, and correct the error within one business day after determining that the error has occurred. I have notified Capital One with oral allegation of error and intent to state regulation E dispute multiple times now, but each time that they call they state they have no record of the regulation E claim, and state that my claim was denied, or more recently state that I need to submit further documentation. This is clearly in violation of regulation E 12 CFR 1005.11 ( c ) ( 1 ). I called again on XX/XX/XXXX, and was instructed to send written notice of my complaint to XXXX. I was never told that any further information needed to be included prior, but according to the CFPB website entry on regulation E, a financial institution can not require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. In the past, Bureau examiners found that one or more financial institutions failed to initiate and complete reasonable error resolution investigations pending the receipt of additional information required by the institution. Clearly, Capital One is in violation of this policy. It is clear that they are being intentionally unclear with their instructions and making the process as inconvenient as possible. I do not have an electronic record of my oral notification as they have still never sent me the [ three times ] requested email regarding the case with follow-up, but I have attached times and dates of the previously stated calls. Additionally, I have attached all emails pertaining to this transaction.
|
03/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
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I've requested an address to mail a notice of small claim suit several times prior to this complaint filed, Capital One requests more time to reply before marking it as a duplicate, this is the third complaint filed in re and will be refiled if marked as duplicate when it is not. The address provided by Capital One rep, XXXX, is a web-site address which does not have the information requested, the address to mail a notice of small claim suit to is nowhere to be found on site. The address XXXX, does not have the address listed anywhere. Please see below complaint..
The below complaint was marked as duplicate when it is not.. Capital One rep, XXXX, provided a web-site address to locate an address to send notice of small claim suit. The address is nowhere to be found on site, this was detailed in below complaint which if marked as duplicate will be resubmitted.. A rep by the name of XXXX with Capital One provided a web-site address of XXXX to locate a mailing address to file a notice of small claim suit against Capital One. It appears the address is nowhere to be found on the site and I've sent a secure message requesting the information through the site, have not heard back in re. I believe this is the same web-site address given by a XXXX XXXX whom was replying on behalf of Capital One via CFPB portal prior. A total of seven messages were left for her, none of which were returned ... She claims she could not return them due to complaints currently in process at the time which is a lie as she did not return them after said complaints were closed out. It appears she simply does not accept or return calls. The address to send notice of small claim is required to file a suit for funds owed in the amount of {$4200.00}. This amount represents the closing balance in account ending in XXXX, a 360 checking account. As stated in numerous prior CFPB complaints, a close out check was mailed on XX/XX/2018, received on XX/XX/2018 with a stop payment placed on it prematurely by Capital One rep ( s ). A replacement check was sent on or around XX/XX/2018 via XXXX next day, I left for vacation on XX/XX/2018 at XXXX. I was picked up by XXXX XXXX with XXXX XXXX XXXX, driven to XXXX XXXX in XXXX, MA. My flight left for XXXX XXXX about XXXX XXXX, I was in there from XX/XX/2018 to XX/XX/2018. I have attached a letter from XXXX XXXX XXXX XXXX XXXX and a letter from Mr XXXX stating he picked me up on said date and time.. This information shows proof of whereabouts, I was not at my address to receive and sign check, cash it. Further, signature on check is not mine as it does not match two other checks with my true and correct signature ... .I have also attached copies of those as well which were provided in prior CFPB complaints. XXXX XXXX has tried and failed to imply I somehow received funds because the person whom intercepted check is related, the account deposited to linked to my 360 checking account at some point, a XXXX account also linked.. The person whom cashed check is not related, an ex-wife of a cousin whom lived here prior, nowhere to be found. The account deposited to was linked fraudulently, removed by a rep with security intake team soon after, the XXXX account is not linked nor what is ever. I have also attached a statement from XXXX showing no transfer of funds in the amount of {$4200.00} to or from it. I request Capital One look over the enclosed documents, re-issue check. If not, I again request them send the direct link to mailing address as again, it is nowhere to be found on XXXX.
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11/11/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
I received a notification from Capitol One that someone was trying to make a large purchase on my account, the purchase was not honored and I text back XXXX to say I was not making the purchase, shortly after that I received a second notice that an attempt was being made to purchase a large ticket item and if this wasn't me to call this number immediately which I did. I spoke to a person I believe was named XXXX he told me that someone was attempting to use my card and that he would close that card out and send me a new one in a few days ( which I did receive that card ). Right after that maybe 15-20 minutes later a second person called me and said he was with Capitol One and was going to help me fix my issues, so we started the process, at the time I was delivering my orders and couldn't completely focus on either. So, I decided to deliver all my orders and then focus on my account however the call was dropped so I finished the orders and called number back which appear to be a legitimate business because the answering service asked if I knew my parties name or ext., so I waited and left a message, shortly after that the person called me back, he kept telling me he was sending me codes to verify which I did and in the heat of confusion I didn't realize he was getting me to verify codes so he could get into my account, I didn't realize it until later that my scammer was on the line with me. During the conversation I noticed that some money was being transferred from my XXXX account and I told him this was happening while we speak, so he assured me that the money would be recovered and back in my account in 24hrs. When that didn't happen by Monday, because all of this happened over the weekend, I called Capitol One and this is when I spoke to a person named XXXX he questioned me and I explained to him what I said above and at this point he explained to me that I had 4 devices accessing my account and I informed him that I only access my account with 2 devices, at this point the exchange went in a different direction because he insisted that I possessed this XXXX device and I told him that I didn't own any type of XXXX and that device shouldn't be attach to my account. At this point I could tell he was trying to imply that I had something to do with my account being scammed, so he puts me on hold and when he returns he tells me that my account was being closed because there was too much going on with my account. I am filing this complaint because I Think this situation was handled very unprofessional, he could have closed the account completely opened a new account and gave me some advice on how to protect my accounts against scammers but instead he choose the most extreme measure and I also so believe he knew I was XXXX and XXXX XXXX me because I don't see how to jump to that conclusion with NO evidence that the device I told you was not mine and make a decision to close my account and the other representative didn't come to the same conclusion, furthermore he did ask me about phone numbers the person called from and I Don't want to leave anything out I told him earlier in the conversation that the person knew what was going on with my accounts and he told me that I had to have told him my User name and password which I told him I did not, I also couldn't see the logic in that because if I had that's what being scammed is? however that's not what I did and he was persistent that I had aided this scammer which was a stretch.Please look into this matter with serious consideration.
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07/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX, I was hired for a XXXX XXXX XXXX job at The XXXX XXXX XXXX. This turned out to be a huge scam. I was a victim of identity theft. The bank will not issue me the money because they said I was the one making the purchases. On XX/XX/XXXX, I recieved my Platinum Capital One card in the mail and was ready to use this for work to order supplies for work by buying giftcards and sending the information over to my boss through XXXX XXXX ( scam ).
On XX/XX/XXXX, they linked the scammers bank onto my account ( this was a work at home scam ) XXXX from XXXX XXXX XXXX. They paid the first amount owed totaling {$1000.00} with a fradulent check. Than they put another credit line of {$1000.00}. They mailed me a 4 XXXX giftcards for my purchases. I gave those cards to my employer ( turned out to be a scam artist ) 3 {$50.00} cards and one {$15.00} Order number : XXXX Order date : XX/XX/2019 Shipping method : STD Miles redeemed : XXXX Item : {$50.00} XXXX XXXX The financial officer from the company ( scammer ) paid {$2000.00} and than it took the check 10 business days to clear but it was a blank check. This is why orders and payments should not be done online because no one can check if the money is there or not. This has got to stop more and more people suffer from getting there identity stolen over the web. I will never shop online or look for a job online again because this is the 4th time this has happened to me. I suffered a XXXX XXXX in XXXX and was trying to look for an easy way out by working from home. This got out of control quick and will not fall for this scam again.
All of this information was given to the scammer. He has called to make sure the first payment went through. I also has called to activate my Venture One card for work ( scam ) and they said they could not issue me the card due to fradulent activity. It took them 3 business days to get back to me and when they did nothing was done to protect me. All they said was that it looks like fradulent activity is happening in your account over the phone. I told my boss what was happening on XXXX XXXX and he said not to worry that he will take care of it and for me not to call the bank again. Everytime I had this problem this is what he would say and I fell for it. I took this job very seriously. I took orders from him like I should from a Boss 's perspective. I feel like such an idiot. That I couldn't read the signs that I came across along the way. I wish I would have gone to the police the minute I thought something was not right. At the time I thought this was for work, my boss had told me the credit card would help raise my credit score. I fell for it and kept making purchases with the credit card like I was told to do from my boss. Had I known this was a scam I would have stopped doing this immediately. I was told I would get a brand new XXXX XXXX company car and Paycheck but this was never given. I got on the phone with The XXXX XXXX XXXX business in California and they said someone keeps trying pretend like they work for the company but it is a scam. And than she said she would let there security know and get back to me. They never did. I do not think we will ever catch the person who did this. I reported my identity theft to the Police and FBI right away when I found out that this was all a scam. I have yet to hear back from anyone. I attached the files associated with the credit card. My job interview and able to contact employer ( scammer ) was done via XXXX XXXX.
I am sorry that this ever happened. Thank you.
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12/11/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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called the CFPB today to make sure a note was entered & submitted to Capital One with this claim. which is Claim ID XXXX, I submitted on XX/XX/2021. Reason being is that I will have to spend all weekend, my weekend writing step by step, date, times & all documentation I have of everything that took place since the OCC submitted another one that wasnt even sufficient as I was talking to them about other issues while asking questions about this serious complaint. Im not sure why it was submitted to capital one in that format but when I spoke to them on the phone this week they let me know they sent a portion to the CFPB to be sent to capital one which is was & point is neither here nor there, this is what I am/ have submitted and working on it so at this time until I have all documents uploaded and all written and perhaps notarized documents capital one has nothing to even reply to to this at this point, I mean clearly go ahead but makes sense to wait until I have added all to this. In the meantime this is also to state that my account is sitting negative, overdraft charges have been added and an auto pay to XXXX that comes out each month was denied and I got an email stating that since I have Insufficient funds they were not able to approved a purchase I made. I didnt make a purchase, please I already made XXXX aware to try and take my auto pay off but they didnt have time and I made capital one aware what this does to my perfect history with XXXX of 25 years. Never once missed a payment.
Again, since capital one has chosen to continue to lie and avoid all of this and wont contact me back as I was promised I now have to spend tonight and all weekend completing this. So very disturbing and concerning. Lastly, I have spoken to several places that I needed to get specific details regarding this investigation so while I never intended to go this route since this has turned in to a handful of things which stems from capital one not handling from the beginning accurately this is now what I have to do and they will have to answer each question I have asked them for the last 3 weeks or more actually via this method.
To make it clear while I am working on this, Capital one sent me one email the day I wrote back stating this is my last attempt and will be going a different route and it said nothing of substance of one thing related to any of this, didnt send me the email they promised me and told me they sent twice or three times actually and never did so I am making it known here that I believe that email was due to all the escalation emails I sent to their corporate offices whom never did a thing, and stated to call them. Sorry but at the last hour, after 11 calls, I should call them again and go through the nightmare hour plus calls to a call center and be told this was opened and is being escalated and they cant believe this is happening to me and I will be getting another provisional credit and I will ne hearing back within 2-5 days? I did three of those and never heard a word. They 100 % should have called me, I am the customer and there is a severe issue that is sitting here not being addressed and I have done everything possible and they have done nothing but lie and ignore this. What is this? Its avoiding and truly there is a serious customer issue that I stated I need addressed regardless the outcome I would be addressing once I hear and see all I was told was sent to me and to be provided but they didnt and lied about 7 serious things.
Thank you for the patience.
XXXX
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12/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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To whom it may concern, My name is XXXX XXXX. I am a resident of Washington state. Back in XX/XX/XXXX, I opened a credit card account with Capital One and received my card shortly thereafter. When my first bill was due, I attempted to pay my bill at a local Capital One ATM Machine. I however was unsuccessful as the machine could not locate my account. I attempted a few other ATM machines to only receive the same results. I contacted Capital One and I was told some unsettling news. Capital One does not have a single branch Anywhere in the state of Washington, nor can any Capital One ATM in the state of Washington permit me to access my credit card account.
I was further told in order to maintain the account that I had opened, I would be required to use the services of a third party ( my local bank account is one such option ) in order to pay my bill. I consulted with the consumer handbook that came with my card which also included the Terms and Conditions and the credit card agreement that I had agreed to when I first opened my account. Nothing in either agreement or the Terms and Conditions had disclosed the fact that Washington State residents would be required to use third party services in order to pay their credit card bills. I filed a complaint with the Better Business Bureau about this fact and stated in my complaint to the BBB that this lack of disclosure is dishonest and misleading.
I have also been told on several occasions conflicting stories in regards to the methods of finance charges and late fees. On some previous calls I have been told that late fees are applied if the monthly payment is later than the due date of the payment. On some calls I have been told that the finance charge is applied if I do not pay the minimum monthly payment and yet on other calls, I have been told that both of these cases are not true and I was told that I receive monthly finance charges if I do not pay the credit card bill off in full by the time of the due date. The stories are consistently conflicting and never the same from one phone call to the next. I believe these practices are misleading to the American Consumer - especially to the consumers in the states that do not host any Capital One branches.
Here 's an example. Currently my credit card bill is due on the XX/XX/XXXX. My minimum payment due is {$25.00} ( per the email I received from Capital One ) However, my employment pay date happens to land on XX/XX/XXXX. In order for me to pay my bill, and not receive a late fee, I would need to drive 1,642.6 miles to the address of XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The reason I would receive the late fee is because XXXX XXXX XXXX takes up to 3 days to process my payment and Capital One will take up to 2 days to receive and post my payment ( per various conflicting statements from XXXX XXXX XXXX And Capital One ) And yet, there are more than 15 Capital One owned ATM 's within 10 miles of my home, and yet I can not access my Capital One account at ANY of these Capital One ATM 's.
Since Capital One is headquartered in the State of Virginia, I thought it best to reach out the AG of Virginia as I have received minimal results from both the BBB and Capital One. Until something is done to force Capital One to make necessary adjustments for all of the Capital One consumers that are affected by these practices, Capital One will continue to make profits from dishonest non disclosed facts about the lack of available services to the American Consumers.
Sincerely XXXX XXXX XXXX
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08/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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RE : CONSUMER CREDIT PROTECTION COMPLAINT.
ON XX/XX/XXXX, ID DID RECEIVE AN E-MAIL, STATING : Your Capital One account ending in XXXX XXXX XXXX, During a regular account review, we noticed youve only been using a portion of your credit limit. To better fit your card usage, weve reduced your credit limit to {$5000.00}. Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. TO MY CHAGRIN, TODAY, XX/XX/XXXX, I DID RECEIVE A DISTURBING E-MAIL FROM " CAPITAL ONE, '' INFORMING ME THAT MY CREDIT LIMIT HAD BEEN REDUCED TO {$5000.00}, PUNISHING A STEADFAST/LOYAL XXXX CUSTOMER, SUCH AS MYSELF, WHO HISTORICALLY ABIDE BY PRUDENT AND CONSERVATIVE SPENDING CONSTRAINTS. IN THESE TIMES OF FINANCIAL AND SOCIAL CRISIS, I AM BEING PUNISHED BY " CAPITAL ONE '' FOR ADHERING TO SOUND AND PRUDENT BUDGET CONSTRAINTS VERSUS BEING REWARDED. NOTABLY, MY HISTORIC PRUDENT AND SOUND SPENDING HABITS HAVE ALLOWED ME TO SURVIVE IN THIS TIME OF AUSTERE FINANCIAL CHALLENGES. NAMELY, I SHOULD BE REWARDED FOR MY PRUDENT/CONSERVATIVE FINANCIAL STEWARDSHIP -- HISTORICALLY AND PRUDENTLY AVOIDING FINANCIAL MALFEASANCE. CONSEQUENTLY, THIS E-MAIL REPRESENTS MY APPEAL TO RESTORE MY CREDIT LIMIT WHICH WAS ARBITRARILY AND UNFAIRLY DECREASED BY " CAPITAL ONE. '' INCIDENTALLY, CAPITAL ONE BANK 'S WEBSITE DOES NOT LIST AN E-MAIL ADDRESS FOR CONSUMERS, SUCH AS MYSELF, WHEREAS, I DO MOST HUMBLY SUGGEST THAT THIS BE CORRECTED IN ORDER FOR CONSUMERS TO CONTACT CAPITAL ONE BANK PERTAINING TO CONSUMER CREDIT PROTECTION CONCERNS.
HISTORICAL E-MAIL REFERENCE ( S ) : In a message dated XX/XX/XXXX XXXX XXXX Central Standard Time, capitalone@notification.capitalone.com writes : Visit Capital One Sign In Important Update About Your Credit Limit Re : Your Capital One account ending in XXXX XXXX XXXX, During a regular account review, we noticed youve only been using a portion of your credit limit. To better fit your card usage, weve reduced your credit limit to {$5000.00}. Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. Everything else on your account will remain the same, and well follow up with additional information by mail. Thanks for being a Capital One customer. Important Information from Capital One Contact Us | Privacy | Help Prevent Fraud To ensure delivery, add XXXX to your address book. This email was sent to XXXX and contains information directly related to your account with us, other services to which you have subscribed, and/or any application you may have submitted. Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners. Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/support-center/contact-us. Products and services are provided by Capital One Bank ( USA ), N.A., Member FDIC. XXXX Capital One. Capital One is a federally registered service mark. XXXX XXXX XXXX XXXX Attn. : XXXX, XXXX, Virginia XXXX. To contact us by mail, please use the following address : Capital One, XXXX. XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. XXXX XXXX XXXX
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11/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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CAPITAL ONE BANK USA Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, anxiety and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
All of my rights has been violated according to The Fair Credit Reporting Act ( FCRA ) The lawsuit will be filed due to the utter lack of response from your Regions. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote Regions in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court if needed. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization while i was in incarcerated. XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. This matter could've been settled simply by your agreement to remove the false information from my credit file with the evidence I provided. I will also be aggressively pursuing the full judgment that I can go against XXXX for violation of the Fair Credit Reporting Act and Defamation as well.
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02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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- XX/XX/XXXX - cell phone stolen - over the next several weeks, notifications of attempts to open fraudulent accounts began arriving - fraud and credit monitoring services notified - XXXX XXXX, XXXX - received Capital One 360 statement stating checking account balance was {$0.00} - Contacted CapitalOne and advised account was opened fraudulently and as a result of identity theft - XXXX XXXX - received letter from Capital One stating the account was closed - assume therefore the CapitalOne matter is closed - XXXX XXXX, XXXX - fraudulent attempts continued so police report filed XXXX XXXXXXXX XXXX Police Dept.
- XX/XX/XXXX - fraud report filed with FTC - XXXX XXXX, XXXX - received a new letter from Capital One stating a SavorOne Credit Card was past due in the amount of {$300.00} - immediately contacted Capital One and advised that the account was fraudulent and I had not opened the account, I had not ever received a credit card from Capital One, I had not charged anything to the account, and I had not ever received a bill from Capital One - Capital One did not close, or even freeze the account, and knowingly allowed the fraudulent account to remain active - XXXX XXXX, XXXX - Capital One sends letter stating the " minimum payment '' was overdue in the amount of {$460.00} - Again, we contacted Capital One and spoke with a Supervisor who indicated ( for the first time ) that a Fraud Information Form ( " FIF '' ) must be filled out and a form would be sent to us - A FIF was finally sent dated XXXX XXXX, XXXX, however a secure link is required to download the actual form - Again, we contacted Capital One Fraud Prevention Dept., and after finally being permitted to speak with a Supervisor ( the representatives were previously unable to help ), another secure link was sent - XXXX XXXX, XXXX - FIF and all requested backup information was uploaded to Capital One - XXXX XXXX, XXXX - XXXX letters are received from Capital One : ( XXXX ) a request that a FIF be filled out an uploaded ( which had already been done ), and ( XXXX ) that Capital One had completed its investigation and determined we were responsible for the charges because " activity on the account indicated you opened and interacted with this account '' and " the charges totaling {$3300.00} will appear on your next billing statement. '' No other evidence, explanation or information was provided.
- XXXX XXXX, XXXX - we sent, via XXXX, correspondence, including over 30 pages of backup, to Capital One Credit Card Fraud Dept. and Capital One 's General Counsel, XXXX XXXX, XXXX. including documents indicating the fraud and the damage this was having to a young adult 's credit rating.
- XXXX XXXX, XXXX- received another letter from Capital One which was the same as the XXXX XXXX letter except for one added clause : " Information we discovered leads us to believe you or another account user benefitted from the transactions '' - no other information or evidence was provided.
- XXXX XXXX, XXXX - received yet another letter from Capital One which was exactly the same as the XXXX XXXX letter - again no other information or evidence was provided. The letter continues to state that " charges totaling {$3300.00} will appear on your next billing statement. '' - To this day, we have never received an actual credit card, any evidence an account was actually opened or how and account was opened fraudulently, a bill, a statement, or any reasonable explanation to explain how the fraud was allowed to occur and why it remains unresolved.
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12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
Please be apprised that XXXX XXXX XXXX Bank XXXX XXXX & XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/XXXX, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. XXXX XXXX XXXX Bank proceeded to completely ignore my validation & continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You also failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. XXXX I would also like to know why is there a Two-year payment history reporting for this account that is in collections, also why is the payment status reporting late 120 days? Both XXXX and XXXX re-aged this account, date opened was XXXX of XXXX, last payment XX/XX/XXXX & closed XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment is n/a & closed date XX/XX/XXXX. XXXX reporting date opened XX/XX/XXXX, last payment XX/XX/XXXX & date closed XX/XX/XXXX. This account was aged by 20 years by both XXXX & XXXX & both bureaus are reporting false information on my credit report. You are in violation continuing to report. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from both bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time * In this complaint accompanies proof of my certified receipt, Validation and my credit report.
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06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
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I Wanted file a complaint against capital one for not properly assisting me in a dispute against XXXX XXXX XXXX i rented a car in the amount of {$120.00} I had the vehicle extended until XX/XX/2019 and then extended it again to XX/XX/XXXX the car rental company was suppose to pick up the vehicle and never did they contacted me XX/XX/XXXX in hopes of getting the vehicle and agreed to have it back that following Sunday however the same agent who contacted me was following me Saturday evening and sent me photos of the car and i returned the keys to him and he drove off with the vehicle again he sent me photos of the vehicle park safely at the rental car location about a week or 2 later i get a charge for {$7400.00} on my credit card i reported to capital one to dispute couldnt get my contract from XXXX XXXX XXXX and tried to get that with an agent from capital one on the phone with me and the rental car refused to give me information about the charge they left the contract open so they charged me additional days that i did not have the vehicle they charge for towing etc and there was no towing involved as the conversation that was submitted to capital can show it was no towing involved no lost keys no warrants on the car so i been charged ridiculously a large amount of money i sent in my contract to show proof of what the car is for a daily rate and the amount is a lil over XXXX however capital one had the knowledge of that information told me its gon na take 45days to fully dispute the charge where the merchant has to respond and i did too i responded and the merchant didnt and they found it sufficient enough to hold me responsible for all the charges when Im not responsible for that i do indeed know that i do owe them money but {$7400.00} is not what i owe at {$37.00} a day for a total of 53 days totals out to be {$1900.00} the contract states the daily price as capital one told me that they are only responsible to charge me for the days i has it and capital one told me the same so {$5500.00} of additional charges is frustrating so the receipts says additional days at {$67.00} a day is {$1400.00} still doesnt add up to XXXX i was only looking for help to resolve this matter and for them to properly charge whats really owed so now Im stuck with a charge on credit card that Im not responsible for because the charges are not accurate and capital one had assured me that they was disputing the charge and they did and i called for an update they said they couldnt help me i would have to reach out to merchant myself to get the matter resolved i feel like their very incompetent at doing their job because i did what was asked of me XXXX hasnt responded or even sent them any proof as to why they feel the charges are accurate but i get stuck with the charges and it wasnt a full 45 and they closed my dispute out without giving me the proper days and allowing XXXX XXXX XXXX to provide information pertaining to this dispute i feel cheated out and Ive been a loyal customer and on time credit card payments never late fees no late payments always on time and they couldnt back me up even with the solid proof before hitting the 45 day mark but instead the supervisors kept feeding me lies about helping me and they did not every time i call in for an update its no knowledge of the conversation when the calls are recorded so theres proof of wrongdoing not on end but on there end i just want a fair shot at this dispute and terms of getting this mattered resolved in which i got cheated out on
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07/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
Starting almost one year ago, both my husband and I wrote and called our credit card company, Capital One, to ensure we were equally capable of speaking when calling about any issue. This was after Capital One explained only one of us, despite being a married couple, can be the 'Primary. ' My husband then gave verbal consent numerous times, permitting me to speak in perpetuity. Yet each time, he still must provide verbal consent. We then asked repetitively what we could do to ensure this step was unnecessary going forward, and we received many answers.
Initially, we were asked to submit a signed letter with this request which we did, and that was declined. We were then requested to send in 'Durable Power of Attorney ' paperwork, and we did. That, too, was denied. A Capital One agent told us on the phone that the notarization stamp was expired. Upon consulting our attorney, we were advised that is not a valid reason, as the documents were signed before the notarization expiration. Yet, we went ahead and spent the money and had our Durable Power of Attorney documents updated/re-notarized. We then submitted it and have received another bogus reason as to why they're not accepting it. The denial letter states the agent/attorney-in-fact, which is me, must show an address on the DPOA document ; this is also incorrect.
My patience for anyone at Capital One to appropriately address our well-known concerns has come to an end. My husband and I have 36 documented calls over the last 12 months. I pleaded for someone to assist with every call, and all agents keep telling us the " back office '' is reviewing our case and that it is being escalated. When I inquired who it was being escalated to in this back-office- they said it is their policy not to reveal their processes. I was trying to ask if a lawyer was reviewing our document because it was clear whoever is evaluating it is unfamiliar with the statutes on DPOAs.
Each time I call in, I am told it will be another 7 to 10 days, and we will receive a letter sometime after that, or a phone call, which has not happened, and this has been going on for months. I decided to follow up one last time and finally spoke with a senior account supervisor by the name of XXXX. She stated she could not tell me why no one called us back, nor could she answer if this matter had been addressed. I asked XXXX for someone of a higher ranking with authority to call me back by the end of the business day, and she said that would not be possible. I explained I had called to follow-up 36 times over the last 12 months and have spent upwards of 40+ hours between calling, faxing, & mailing, trying to resolve this matter. I further explained I would be reaching out to the Consumer Financial Protection Bureau for guidance and writing a Press Release, but this made no impression.
After a long year of poor customer service and being given the runaround, I am reaching out for your support in hopes of a resolution. I did talk to our attorney, and he spoke with Capital One with me on a three-way call and respectfully explained that the reasons they do not recognize our DPOA are unlawful. The first reason was the notarization stamp expired, and the second reason was I allegedly was missing an address. The address being requested is unnecessary, and legally Capitol One can not deny our request for me to be accepted as a DPOA on behalf of my husband, with a professional/legally prepared DPOA submitted.
Your assistance with this matter is greatly appreciated.
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12/20/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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XX/XX/XXXX XXXX of my XXXX sisters and I opened a " for benefit account '' with XXXX in the XXXX area. The purpose of this account was to provide funds for the support and maintenance of our other sister who is XXXX. My sister and I were the source of the funds for this account. A few year later, XXXX XXXX was acquired by Capital One Bank. While living in the XXXX area I was able to make changes and updates to this account since my sister and I were both listed and Representative Payees on the account so that our XXXX sister had sufficient funds for her living expenses and housing needs. Four years ago, I moved to XXXX Florida which is out of the service area for Capital One Bank, but I continued to make needed adjustments to the account by mailings to the Capital One branch near where we used to live. Two months ago I sent a letter requesting an increase in the monthly allowance provided to my XXXX sister. When no changes were made, I contacted the Capital One branch where I sent the letter and was informed that I now had to work through the Capital One customer service department. XX/XX/XXXX, I contacted this department via telephone and spoke with a customer service representative representative to make my desired changes. Since I was a Representative Payee on the account, as shown by the Capital One records, I was able to make the desired changes -- or so it appeared. However, it soon became apparent that something was not right. Instead of making the increased monthly transfer to my handicapped sisters account on XX/XX/XXXX, as requested and as per the schedule for the past 12 years, the amount was deposited on XX/XX/XXXX. This information was relayed to me by my XXXX sister who was surprised to see the amount appear in her bank account at the wrong time. I waited until XX/XX/XXXX, to see if the transfer schedule would be reset to its intended time, but this did not happen either. On XX/XX/XXXX, I again contacted the customer service department of Capital One by phone in an attempt to correct the schedule. In the phone call I was informed that I was no longer listed as a Representative Payee for the subject account and could not make any changes in it. I was informed that another person was now in control of the account. It was suggested that I " go to my nearest Capital One branch and try to resolve the issue with the manager. '' However, since I now live in XXXX FL, the nearest Capital One branch is about XXXX miles way -- not very useful! My first thought was that somehow I had been dropped and the other " person in charge '' was my other sister who was listed as a Representative Payee when the account was established. However, when she called Capital One customer service, she too was informed that she no longer had any control or access to the account. So now Capital has an account -- originally established for the benefit of a XXXX individual -- for which they have transferred control ( illegality I would presume ) to a third party who has no knowledge of what the account is for or who the beneficiary is supposed to be. Unless they can fix this in the very near future so I that I can make the necessary deposits and changes required for XX/XX/XXXX, I plan to contact an attorney and file a major law suit against Capital One bank. No doubt, since I have no control over the account, once it is depleted of funds it will become a " zombie '' account and continue to incur charges to be levied against the account holder ( whomever that may be ) forever after ... ...
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06/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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**The previous page did not allow me to actually select an option that fit my situation, I apologize** Capital One promised by email to return my account to 'good standing ' if I paid {$610.00} by XX/XX/XXXX. I took half of my stimulus check and paid the amount before XX/XX/XXXX but my account is restricted and remains so. I spoke with an account specialist approximately a month ago and promised to pay an additional {$33.00} ( in addition to the {$50.00} auto pay amount ) on my next payment date of XX/XX/XXXX. I missed making the payment by one day and when accessing the website on XX/XX/XXXX noticed that a different amount was due ( {$25.00} ). I paid the {$25.00} but saw that the account was still permanently restricted and would not be unrestricted.
I am just now able to review their previous response to my complaint ; I could not access the website to review and was unable to retrieve my mail from the PO Box to which it was sent due to COVID-19 ; however, my concern is this : **If my account were going to GO on restriction, why was that information not put in one of the emails that I received between XX/XX/XXXX and XX/XX/XXXX that indicated that my account was in danger of being charged off? Instead. I was told that my account would remain current and in good standing if I paid before XX/XX/XXXX. So, in XXXX, when I received the stimulus check ( the only way that I could make a large enough payment to satisfy Capital One ), I paid the requested {$610.00} to bring my account current. Because the emails stated that would happen, I expected it to be so. However, upon going online in late XXXX/early XXXX to verify receipt of the balloon payment ( I received no confirmation of payment from Capital One ), I noticed that my account was 'restricted '. The account specialist that I spoke with put in a request to have the restriction lifted but upon checking today, XX/XX/XXXX, I discovered that the restriction WILL NOT be lifted. It is disappointing and frustrating, I feel that Capital One misrepresented the facts and did not uphold what was stated in the email. I have struggled to pay something every month since I have had the account ; Capital One seems to want to push me to pay more than I can afford -- we agree to disagree on that point : I have multiple bills to pay and EVERYONE has to be paid, not just Capital One. I do not believe that they acted in 'good faith ', I do not believe that they have been honest -- I paid {$610.00} to them expecting for them to restore my account standing ; I could have used that amount to pay on several other essential bills. At this point, nothing will satisfy Capital One and they are unwilling to compromise ( a compromise to them is that I pay what they want despite my inability to pay that amount : I on the other hand, have made compromises : I have increased my original auto pay from {$35.00} to {$50.00}, I have paid larger amounts including the {$610.00} balloon, and I agreed to pay a one-time amount of {$83.00} ( which turned out to be {$75.00} ). I can not /could not pay more but am paying every month. Again, I am disappointed, frustrated and feel hopeless that this was not resolved to mutual satisfaction. I am further dismayed since it seems that Capital One said made a false claim to get me to make that large balloon payment of {$610.00} and then, reneged on the statement to restore my account to 'good standing ' once that large payment was received. I feel that I was lied to, I was lied to and it does not feel good, at all.
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12/07/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband was contacted by a company by the name of XXXX on XX/XX/XXXX. He did not go into a detailed conversation with the person because the person was asking for me under my maiden name. My husband then forwarded the callers information to me, along with a case number. I then called the number back ( XXXX ), selected the appropriate prompts and gave my account number to an XXXX XXXX. Mr. XXXX then proceeded to tell me that I owed a debt of {$800.00} to household/XXXX/XXXX under my maiden name. He advised that the XXXX account was opened in XXXX and that numerous attempts were made to get in contact with me regarding the debt. He advised that XXXX is a litigation firm and that an action was being prepared to file against me.
I told Mr. XXXX that I was not aware of the debt and could he give me more information, such as an exact date that the account was opened, when the account went into collections, etc. He could not give me exact dates on anything. He then proceeded to tell me the car that I was driving in XXXX and listed several of my family members that I listed as references when I opened the account. This is when red flags went up, because I would have never listed those sources as references for something like a loan.
As such, I continued the conversation with Mr. XXXX. I asked what my options were and he said that we could settle or that I could dispute the claim in court. I then asked him to send me a document stating the nature and details of the debt and a link to pay the settlement. He told me that he would but then advised that they were not set up to take online payments. We ended the call, but I still could not remember this debt.
After receiving some sort of document to sign from a docusign company, I called XXXX back and again received Mr. XXXX on the line. I asked him for more details such as the full account number, XXXX debt collection license number, XXXX mailing address and the exact date of the debt. He could not give me any of this information and became very defensive. He told me that I can, " do two things with the information that he provided ; Take the information and pay the debt or take the information and go to court. '' I then advised that I was trying to gather as much information as I could in order to make sure that XXXX is, in fact, a reliable debt collection/litigation firm. We then ended the call and I proceeded to call XXXX to find out more about this debt.
XXXX could not give me any information because they did not have any record of the debt. They then referred me to Capital One who acquired Household/XXXX XXXX. After speaking to two representatives at Capital One, it was determined that no such account ever existed. I have not been in touch with XXXX since. However, I received a call and an email today ( XX/XX/XXXX ) from XXXX XXXX XXXX regarding the same account, but the amount requested was different. XXXX sent over a document with the amount owed and the original creditor, but that was all of the information that would have been helpful to me.
I then called and spoke with a representative who was not able to give me much information either. She said the account was opened in XXXX and payments stopped in XXXX. She then got testy and said she was trying to help me with this matter and that she can simply not the file that I refuse to pay and send the matter to court. I advised her to go ahead and note the file because I would not be paying anything until they could provide me with more details of this debt.
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11/09/2015 |
Yes |
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Web |
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I am past due on my credit card due to poverty. I submitted a payment towards my XXXX minimum payment for the XXXX of XXXX for XXXX dollars. By the XXXX, it had not been deducted out of my bank account, so I contacted the credit card company through online chat to cancel it so that I could pay for groceries. I was told that yes, they see the payment " posted '' but they had not deducted it from my bank account. My minimum payment had been XXXX, but the XXXX dollars posted had also not been deducted from the XXXX. So, capital one had neither deducted the money from my bank account yet, nor intended to cancel the payment, nor had they cut my debt by XXXX dollars. The rep said " cancel through your bank, because we ca n't refund it until we actually have it deposited '' and then agreed that, if I cancelled it through my bank, i would pay XXXX dollars today and XXXX by the end of the month. Instead, when I woke up at XXXX today, the credit card company had taken the XXXX dollars and still expected me to pay XXXX more dollars today and XXXX dollars by the end of the month. I can not get my bank to refund it. I tried to contact my bank last night but there reps were unavailable because it was XXXX. My money was not accessible to me, not through my bank or through capital one. Today, I had a rather unpleasant and dismissive chat with a credit card rep who told me that, not only would they not refund the XXXX, but it was now XXXX + XXXX today and XXXX by the end of the month. My credit card debt has still not dropped XXXX dollars, and they refused to give me a refund. They are holding my XXXX dollars hostage until I pay XXXX by the end of the month, at which point " you can feel free to contact us again. '' They would not give me an answer as to the likelihood of ever getting back my XXXX dollars. They kept repeating to get my account current and then we could chat again. They were dismissive and circumnavigated around all my direct questions about consumer laws and written agreements. They said no refunds ... ..however, there 's a small chance we 'll reconsider this once we get paid, and your minimum payment for XXXX is now XXXX not XXXX. I said this was a breach of contract and they said they did n't keep records. So I saved the XXXX page chat and will submit it here, as they did repeat the minimum payment as being XXXX dollars by the XXXX and XXXX by end of XXXX in today 's chat ( the minimum payment was to be for XXXX, XXXX, and late fees, my usual payment is like XXXX dollars ). I found them to be intentionally misleading and too aggressive in their collection tactics. They refused to continue the chat and kept repeating " we can discuss this when you get current with your payments '' and would not answer if I would, for certain, get a refund of my XXXX if I get current by the end of the month ... they also would not answer if they agreed they were breaching our written contract. They ended the conversation and I finally gave up trying to keep them online chatting with me, as they had tried to get off the chat for many minutes.
The whole chat from today took XXXX minutes and the chat last night took an additional XXXX minutes ... .and they reneged on their written agreement and threatened to ignore me until I pay the XXXX today and XXXX by the end of XXXX. Then they really did ignore me and I was pressured into getting off chat, as they were not responding, but rather just copying and pasting the words " we can discuss this when you get current '' into the chat box.
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10/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Dear Sirs ; Referencing Case # XXXX which Capital One is now considering closed, I am not at all satisfied with the results I have received. This was a disputed charge for a trip that my wife and I planned for XXXX before Covid-19 struck. The travel Agency we booked through was in the XXXX XXXX and declared bankruptcy canceling our trip.
When we were first notified of this, I first notified my travel insurer ( XXXX XXXX ) to let them know, as this is why we bought the insurance. They stated that it may not be covered due to Covid and I should notify my Credit Card Company. I filed a claim anyway, and did so. Capital One immediately placed the {$2000.00} credit back on my account. Then on XX/XX/XXXX, my Travel Insurance sent me two checks, ( one for me and one for my wife ) totaling {$2000.00} the amount we paid for the trip. As I did not want to make a false claim, be reimbursed twice, and trying to be honest, I contacted Capital One on XX/XX/XXXX and explained to them that I did not need to be reimbursed by them as my Insurance company paid. On XX/XX/XXXX I received a letter from Capital One stating that they were reapplying the charge to my account and if I wished to continue my disputed charge I was to send in documentation as to why. I did not do that at this time as I was already reimbursed by my insurance. Capital One reapplied the charge and took the money back.
On XX/XX/XXXX I received a letter from my Insurance Company stating that my claim was audited and that I was not covered for the bankruptcy. I needed to reimburse them the checks that they sent immediately or it would be turned over to a collection agency. I sent them their funds back and contacted Capital One stating what had happened and that I now wanted to pursue reimbursement through them. They stated that they needed a signed letter and documentation from me that the trip was canceled, etc. I wrote a letter that same day XXXX XXXX, and put it in the mail with the documentation I thought they requested. I did not hear anything so I did a followup letter to them on XXXX XXXX again stating the issue and requesting status of my dispute. I received a letter from Capital One on XXXX XXXX stating that I did not provide the information requested in the time frame needed and they could no longer go after the Travel Agency as it was after the allotted time frame. ( Note : This Company is out of business and there has been no one there to contact since XXXX, I've tried ). After speaking to several people in the disputed claims department, and finally a supervisor who apologized that they couldn't help me, the supervisor stated they would " give '' me a {$200.00} good faith reimbursement since I had been a long time Capital One customer. They also said I should contact the merchant that my dispute is with. Again, no one is there. At this point I am out XXXX and do not know where to turn. Also, another person who was traveling with us and also has a Capital One card, same trip, same cost, was fully reimbursed for the trip by her card, and I am the one that gave her the documentation to send in, so not sure what else I needed to provide. If my documentation was late, it was only because I was trying to be honest and did not want paid double when my insurance had paid. My wife and I are both retired and this {$1800.00} is quite a bit of money for us to lose.
If you can provide any relief in this situation or tell me what I can do to resolve this it would be greatly appreciated. Thank you for your time.
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07/21/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Capital One allowed a charge of {$1200.00} to a XXXX XXXX XXXX. I did not authorized such charge. Shared with Capital One copies of emails between me and XXXX XXXX of firing him in XXXX, 2016. Sent copies of what I paid XXXX XXXX on an agreement in XXXX XXXX. My last payment to XXXX XXXX was {$600.00} on XXXX/XXXX/2016 with an new agreement {$2200.00} if I use his services again. Total payments to XXXX was {$2800.00}. I contacted XXXX in XXXX XXXX and he would not respond to my calls or emails. Threaten firing on calls. XXXX XXXX does n't respond until its a month after XXXX/XXXX/2016 for new contract. XXXX XXXX did nothing for me during the time we were arguing about his services and his firing. XXXX XXXX XXXX we did n't have to meet for anything and I would have to do hearing myself for now. I figure I paid him already to at least come to the first court date. There was no negotiations with other parties. Already told XXXX in XXXX 2016 we was going to court no meeting up for anything. My financial situation changed and was trying to contact XXXX in XXXX to make known we needed to collect some money from my spouse since she took {$32000.00}. I ran out of money. It took XXXX XXXX 20 days to respond to my email in XXXX XXXX 2016. I was dissatisfied with his services on XXXX XXXX when he did n't contact me. He avoided my calls on purpose to get legal obligation but provided no service to me. This is for XXXX and new agreement for {$2200.00}. He was fired in XXXX in an email. He did no authorized work for me. His charges are made up and not agreed to by me. I believe Capital One already sided with XXXX because he is a lawyer no matter what proof I brought they sided with him I believe out of fear. He has no signature by me for these charges my dispute was started in XXXX I believe and so it 's no way he taught he still had a job. This dispute been going on for 5 months and they would rule in my favor but allow XXXX XXXX to present paper work at last minute when it does n't prove anything when you look at it. They told me the last time that his time ran out it was closed then they opened it again. They lied to me. I would have closed the account before if I knew they would allow him to reopen the case. They had their mind made up already. They sent me on XXXX XXXX their already made decision. But we was still disputing all till XXXX XXXX 2016. They had their mind already made up and just lied to me. They did n't even look at XXXX XXXX paper work. I confronted them on this. They just got fake reps to leave fake numbers like XXXX ext XXXX and a number XXXX not a working number. They stall with another rep when you call their real number have you on hold XXXX minutes to tell you same thing they said before. Told them this is fraud, was n't paying this debt they allowed to my card that was closed XXXX/XXXX/2016. Sent my last payment with the words final payment and that the account is now fraudulent wrote a letter faxed to them that I do n't owe them anything since it 's fraudulent. Recorded my conversation with their rep explaining they allowed a charge without my signed consent or agreement. XXXX XXXX has no signature for fake charges. Did n't use his services. Just few emails would n't take no time to read all them. XXXX of the people even said they do n't have a real fraud dept. all go disputes to handle. Tried to go to their fraud dept. their excuse they had to get info from disputes. But really fraud is not handling the case always forwarding it to disputes dept.
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02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I have received emails and texts on several occasions indicating that a purchase was being made on my card and it was going to put me over my credit limit but we went ahead and approved your ( amount and merchant were listed ). Once I received the notice I made a payment to put me back under my limit.
On XX/XX/2023 interest was charged to my account and unfortunately it put me over my limit and I did not receive any notification that I was over my limit. The precedent has been set that notifications are sent when something is up with my card.
I was rather surprised and upset when I got notification from one of my credit monitoring companies on XX/XX/XXXX that I now have been reported to consumer credit reporting agencies. I had no opportunity to adjust the issue. Upon notification from my credit monitoring company I made a payment of {$500.00}. Now I have a negative mark against me. I do not find this acceptable and would like to have this adjusted so that I do not have the negative mark on my credit report.
I get notification when something is up with my card but not when I am over my limit with an interest charge. The precedent has been set so notifications should be given for all activity on my card with an outside merchant or in house interest.
I called and spoke to an account specialist and he was no help. I felt I was being blown off, very frustrating.
Texts received : Text messages I received when something was up with my credit card. After each notification I made a payment or acknowledged charge was correct.
Hi, it's Capital One. Your card ending in XXXX is over its {$7900.00} credit limit, but we went ahead and approved your {$12.00} purchase at XXXX XXXX XXXX XXXX XXXX.
You can view your account details and make a payment now by signing in here : https : //capital.one/AccountDetails Your account should reflect this payment in 1-2 days.
Hi, it's Capital One. Your card ending in XXXX is over its {$7900.00} credit limit, but we went ahead and approved your {$14.00} purchase at XXXX XXXX SUBS on XXXX XXXX.
You can view your account details and make a payment now by signing in here : https : //capital.one/AccountDetails Your account should reflect this payment in XXXX days.
Hi, it's Capital One. Your card ending in XXXX is over its {$7900.00} credit limit, but we went ahead and approved your {$60.00} purchase at XXXX XXXX on XXXX XXXX.
You can view your account details and make a payment now by signing in here : https : //capital.one/AccountDetails Your account should reflect this payment in XXXX days.
Hi, it's Capital One. Your card ending in XXXX is over its {$7900.00} credit limit, but we went ahead and approved your {$20.00} purchase at XXXX *XXXX XXXX XXXX on XXXX XXXX.
You can view your account details and make a payment now by signing in here : https : //capital.one/AccountDetails Your account should reflect this payment in XXXX days.
Hi, it's Capital One. Your {$230.00} purchase at XXXX XXXX XXXX XXXX XXXX XXXX was declined because your card doesn't have enough credit.
You can view your account details and make a payment to help avoid future declines by signing in here : https : //capital.one/AccountDetails Your account should reflect this payment in XXXX days. Be sure to check your available credit before your next purchase.
Hi, it's Capital One. Did you just try to make this purchase with your XXXX XXXX ending in XXXX?
XXXX XXXX RENEWAL Declined {$49.00} Text back " yes '' or " no '' to protect your account.
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06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This compliant is towards 2 Credit Reporting Agencies ; XXXX XXXX XXXX. As well as 3 companies. XXXX, XXXX XXXX XXXX XXXX Capital One Bank USA. This complaint is about Unauthorized/Fraudulent inquires made on my report without my knowledge and/or consent. Your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I have sent numerous disputes to all companies listed above. First, 4 dispute letters over a 150 day period were sent to XXXX asking to verify/investigate XXXX for the unauthorized/fraudulent inquiry made on my report on XX/XX/XXXX. Second, 4 dispute letters over 150 day period were sent to XXXX asking to do an investigation/verify XXXX XXXX XXXX for inquiry made on my report on XX/XX/XXXX, ( if u notice the XXXX XXXX inquiry was made on the same day as the XXXX inquiry! FRAUD IN PROGRESS THAT DAY! ) Third, I also sent 4 dispute letters over a 150 day period to XXXX asking to verify/investigate Capital One Bank USA for inquiry made on XX/XX/XXXX. I also called Capital One Bank XX/XX/XXXX to dispute this. Capital One Bank customer service representative said the inquires would be removed. ( calls are recorded! ) At that time Capital One Bank had their inquiry reporting on ALL 3 bureau 's reports. I did disputed with XXXX XXXX also and they DELETED this unauthorized/fraudulent inquiry from my report. And as of recentlyhjf, XXXX has DELETED Capital One Bank unauthorized/fraudulent inquiry from my report. So I am very upset after my last dispute on XX/XX/XXXX that XXXX is Still Reporting this unauthorized/fraudulent inquiry on my report at the time of this complaint. I keep getting the same generic/e-oscar response from XXXX, stating ; " inquires are factual record '', ect, ect with NO PROOF that I initiated or a signature or something that it was me. I did not initiate these inquires online, in person or over the phone. The addresses that are associated with them I dont know.. ( which are address I disputed and submitted a complaint with CFPB previously because XXXX would not remove them, they are Fraudulent and the first document attachment from XXXX shows this! ) This made me contact via mail/dispute letters to XXXX, XXXX XXXX XXXX & Capital One Bank USA. XXXX has not responded at all. XXXX XXXX XXXX letter was returned for unknown address, which is the address listed on my report as mail contact. So I sent more to another address that was on another report. They have not responded. I also sent multiple letters to Capital One Bank. They responded 1 time, ..dated ; XX/XX/XXXX they stated ; that this was the result of PRESCREENED INQUIRIES, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not initiate or authorize. They are fraudulent. I Have not heard back since & multiple letters have been sent since then. I have informed XXXX & XXXX that I have contacted these creditors, because that's what XXXX & XXXX keep telling me to do. I also sent XXXX & XXXX copies of the letters I sent to XXXX, XXXX XXXX XXXX & Capital One Bank as PROOF I haved tried to resolve this with them. To no avail ... .So XXXX, XXXX , XXXX , XXXX XXXX XXXX & Capital One Bank are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer..Prescreens are a soft inquiry not a hard inquiry! These inquiries are HARD PULLS/REQUEST FOR CREDIT AND ARE FRAUDULENT. PLEASE SEND THIS COMPLAINT TO ALL ...
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05/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I paid off two of my Capital One credit cards in full -- - paying the entire " Current Balance '' amounts due on XX/XX/XXXX ; one account {$3900.00} and the other account {$2000.00}.
Both accounts showed a {$0.00} balance on XX/XX/XXXX when I checked.
This morning I went onto the Capital One app ( to check my XXXX XXXX XXXX XXXX ) and found out that I now have a balance of {$74.00} on one of the accounts due to an interest charge applied, XX/XX/XXXX.
I called Capital One to question why, if I paid the entire " Current Balance '' due, not just the Statement Balance ( which is generally less than the current balance due ), was I charged this fee.
I was advised by both the initial off-shore representative that this was due to the interest being calculated and applied after statement closing ( XX/XX/XXXX ). There was nothing further he was able to explain so I requested a transfer to his supervisor or an escalations representative to at least be able to request a review.
I spoke with XXXX ( no last initial was able to be given per their policy ), ID # XXXX, who initially gave the same explanation as the first representative, but who placed me on hold while she checked to see if my account would qualify to have the interest charge waived, due to having paid the account in full.
She came back on the line and advised my account did not qualify to have the interest fee waived. Since I have never been late with either of my accounts, have never went overlimit, have never asked for any fees or interest charges removed in the last several years on either account, I asked how this was determined. She advised it is a formula on the " backend '' and since it is an internal process, the company is not obligated to share this information with their customers.
I requested multiple times to speak with her supervisor or somebody that would be able to explain their process in determining whether an interest charge can be waived, i.e. is it a certain TYPE of account that is eligible, does an account have to be open a certain amount of years ( mine have been open several years ), etc.
She advised her supervisor/manager was in the administrative office and does not take any customer calls in any situation multiple times. I asked to speak with another escalations rep who could possibly explain the mysterious backend formula/policy (? ) that is checked when a customer asks for fees/interest charges to be waived, but was advised that while I COULD do that, since she was unable to transfer within her department, I would need to CALL BACK and request an escalations representative.
I am hoping your agency is able to open dialogue between myself and somebody with Capital One to explain how they determine whether an interest charge is able to be waived ( this mysterious backend formula ) especially on accounts which have maintained good standing for several years, with THOUSANDS of dollars in interest paid to the company over these years ( at one point I believe I was paying upwards of {$100.00} + monthly in interest alone on these cards ).
I was also advised by XXXX that the OTHER Capital One account that was paid off, which is still showing {$0.00} Current balance with {$0.00} due, will LIKELY have an interest charge applied at some point following that accounts XX/XX/XXXX closing date.
I thank you tremendously for any help you can offer in having somebody with this company reach out to me to assist me in understanding why my accounts did not qualify to have this charge waived.
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03/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
At XXXXXXXX XXXX on XX/XX/XXXX, I received a call from an unknown number. The gentleman tried to tell me he was dropping off a certified letter for me to sign for. He asked me if I had received any before in which I told him I had not. After I told him this, he changed the story and said that since I never received a certified letter, I need to call XXXX and use reference XXXX to discuss this issue. He told me he had no idea what this was about but to tell them that XXXX XXXX instructed me to call. Upon calling the number there was no answer.
We have an internet phone so even though numbers can be masked on the phone, I can look up call records online. I was able to verify that the number that called was XXXX. Upon calling this number back they stated they were the XXXX XXXX XXXX and that this was the Corporate number. They asked about a reference number in which I gave it to them. They said this was in regard to a collections account they purchased from Capital One that Capital One Charged off in XXXX. They said the account was opened on XX/XX/XXXX in my previous married name of XXXX XXXX and at the time of charge off it had a balance of XXXX. I have been married for 20 years and I keep a close eye on all credit reports and there is nothing at all on my credit report from all 3 agencies. So this is in conflict for what this company is trying to say. If Capital one truly wrote it off it would show on my credit report. Specifically, XXXX in which is the credit reporting agency Capital One uses. The Lady gave me the credit card number over the phone and would not offer any other information. She said we had to contact Capital One to have them send a letter stating this account was not in existence. the Credit card number they gave me was XXXX.
I then contacted Capital One and spoke with them for about an hour. I provided all the information from the law firm on the account. The representative searched all over and was not able to find any account of any kind. He told me that Capital One reports all its credit findings through XXXX XXXX XXXX XXXX. He then gave me the number to XXXX to research even further.
Upon calling XXXX, they reported no findings at all against my social security number. If Capital one had charged off the account in XXXX it should be there and it would of been reported to them as a charge off. They also confirmed that these records are retained by XXXX for 10 years even if it does not show on our credit report. But they found nothing.
So here is my concern... If this law firm was to walk into a local circuit court ( local to them ) and file a motion against me, they would send out a certified letter for a written response within 30 days of receipt of the letter. If they would send to an incorrect address and say that it came back as not received and the court would come up with a ruling rewarding the questionable account to the law firm. I know it can be done and it is difficult to prove or reverse the ruling after it is complete. Then you have to get attorneys in the local area of course and contest the ruling and be out attorney fees and work due to travel to and from. Of course, the scam takes this in account and can count on that it would be easier to pay even if it is fictitious. But I can see this possibility because 1. my husband has worked in collections and 2. he has repaired my credit and paid all my debts which were medical bills, and 3. My husband works in cyber security, so he has made me aware of these kinds of scams.
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03/10/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
I signed up for the XXXX XXXX credit card with XXXX when making a large order on XX/XX/XXXX. The terms of the credit card offer included a promotion of 10 % back in rewards for purchases made in that order ( # XXXX ) totaling {$25000.00} ( XXXX XXXX XXXX ). Shortly after getting this card, XXXX XXXX canceled its contract with XXXX and signed me up for a new card with Capital One, stating everything would be transferred. It was not, and I spent hours over the course of several calls to gets refunds on some items to actually get back to this new card. I have not received the full promised 10 % promotional rewards for signing up for the card due to charges not being processed on the card until the items are shipped, which has not occurred anywhere near the time frame promised on the website or the order 's tracking system. I therefore have been unable to use the promised rewards as intended, and am not sure I even have the choice to cancel the Capital One XXXX XXXX credit card I did not sign up for, nearly a year later, because of failure to deliver 2 outstanding large ticket items in any reasonable time frame ( my lease is also near its end and the purchase delivery is now delayed past an entire year long apartment lease, for which the item was specifically purchased.
The website and store employee both identified there were some supply chain delays at the time of the order and indicated those were included in the longer than usual delivery estimates. However, many of the pieces were delivered months after the estimated date range ( many of which continue to be moved out every few months with no change in status ). Many items were falsely advertised to be already available for shipping when in fact they were not, and months later identified as " backordered. '' On a call with XXXX XXXX customer Service on XX/XX/XXXX, I was told the XXXX XXXX XXXX XXXX ( {$4700.00} ), which had an advertised delivery of XXXX XXXX XXXX, XXXX, was recently put into production now that fabric was available ( never alerted that was a source of delay ) and that there should not be additional delays. I was told by customer service they were therefore unable to cancel either item in their system. On XX/XX/XXXX, the online tracker showed a delivery estimate of XXXX XXXX XXXX which I was still willing to accept. It has now been updated to XXXX XXXX XXXX which is after my current lease ends, and indicates to me that the custom order has not actually begun production which means I should have been able to cancel both this item and the XXXX XXXX XXXX ( {$390.00} ) when I called customer service on XX/XX/XXXX.
I would therefore like to have both outstanding items for order XXXX canceled with a full refund due to false advertising of store products and delivery timeframe associated with advertised store credit card promotional offers that have not fully materialized - nearly a year later. I want the freedom to cancel a store credit card I did not sign up for ( Capital One now rather than XXXX ) and require XXXX XXXX to cancel and fully refund ( including them ensuring the refund is FULLY PROCESSED BACK TO THE CAPITAL ONE CARD as this has failed to be correctly processed in the past ) the outstanding items in the order identified above so that I can cancel the card I did not sign up for. Since the charges do not show up on the card until item delivery, I am unable to simply dispute the charges with Capital One, and XXXX XXXX customer service says they are unable to cancel these items.
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04/23/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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XX/XX/2011. Capital One 360. I regularly make a weekly deposit of approximately {$1800.00} in into my checking account and it is always available within 2 business days with a portion being available the same day. This is my salary, which is paid by a nationally recognized law firm XXXX there is no issue with the check coming from a questionable source ). I have never, in more than 15 years with the same checking account, been overdrawn, and I have two small savings accounts with Capital One 360 with more than enough money in them to cover the amount of the check.
Last Saturday, the XXXX, I deposited my check and I got a message that the funds would be fully available on the the following Tuesday and I scheduled withdrawals. The withdrawals did not go through so I checked back, on Thursday the XXXX and Friday the XXXX. The e-message stating that my money would be available on the XXXX ( or earlier ) was gone, and replaced with ... nothing. My salary still showed that it was not available, despite the fact that the information visible to me showed that it had been fully deposited and was no longer pending.
I called Capital One 360 customer service ( as a side note, I was disturbed the first person I spoke with asked for my social security number to access my account. When I said I would not give him that, but I would give him my account number he said that was fine. However, he had not originally given me that option ). He transferred me to another representative. She said the check was still being verified. I explained that this was a regular deposit, from a major law firm, and I had been given electronic notice the funds would be available on the XXXX ( or earlier ).
She said the funds would now be available on the XXXX. I said there was nothing showing in my account indicating that the date had changed. The XXXX to the XXXX is a significant difference and could easily have caused payments to bounce. I asked why the date of my funds availability had changed with no notice. Her only answer was that they could take longer if they wanted to and ... that was it. I persisted in asking why my funds were being held, with no notification, and out of line with anything that had happened in the past - especially considering this is a weekly salary deposit my in roughly the same amount from the same law firm which always used the same bank. She continued to read me a pre-written statement stating that they could take longer if they wanted and that no one, no matter who I talked to could give me a reason why. I asked to speak to a supervisor b/c I wanted to get an explanation that was not the repetition of a pre-written statement. She said yes, she would transfer me. Then she disconnected me entirely without transferring me.
There are two issues here. One, changing the date of my funds availability with no notice and with no way for me to tell that it had happened by looking at my account. I could easily have bounced payments and incurred fees with other vendors.
Two, the fact that they are suddenly holding my funds this long to begin with. There is no valid reason for this. I truly believe the real reason for this is that in the last few weeks I stopped using Capital One 360 for the majority of my savings. Instead I have been transferring the bulk of my deposit to a different bank once it is available for withdrawal. I believe suddenly and capriciously holding onto my funds longer is just a way for Capital One 360 to hold onto my money longer for their float.
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06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I made a payment in the amount of {$1000.00} to Capital One from my XXXX XXXX XXXX checking account. The payment showed as received in my account statement. After 5 days, on XX/XX/XXXX, in violation of Consumer Finance Protection Regulations, the payment still had not been reflected in my available credit balance. Capital One 's website states that in some cases clearance may take longer but they can be contacted to make the available credit show on your account so this is what I did. I spoke with an employee ( Employee ID # : XXXX ) who indicated that they would be able to contact XXXX to confirm the funds and make the balance available on my account, which they did.
On XX/XX/XXXX, I made another payment to Capital One in the amount of {$1200.00}, through their own payment system. As of XX/XX/XXXX, the funds had been removed from my XXXX XXXX XXXX checking account and showed as having been received by Capital One in my account statement. However, the available credit had not changed. I again contacted Capital One to inquire as to why the payment was not being reflected in my available credit. I spoke with an initial agent ( ID # XXXX ) who told me that it was no longer their policy to contact banks in order to confirm the funds. I was told that all my deposits have been placed on a seven-day hold and was given no explanation or articulable reason as to why the funds were being held for a longer period other than " Its because of the Corona Virus. '' I asked, as per their own policy presented on their website, could they, as had been done on XX/XX/XXXX contact the bank to confirm the funds, and was told no. I then asked to be elevated to a supervisor. I then spoke with Senior Account Supervisor XXXX ( ID # XXXX ). After I informed this person about what was going on and what a representative had previously done, he then told me that he would not do what the employee on XX/XX/XXXX had done. He said that Capital One had a right to hold the account 7 days. He refused to state whether the money had been received by capital one, and stated that the only way to confirm that would be for him to contact XXXX XXXX XXXX. I asked him to do this, and he refused. He stated that it was impossible for him to do what the previous representative had done in order to release the funds, but when I asked him why, he again refused to answer. I asked him if he was aware that arbitrarily holding the funds for 7 days violated the law, and he stated that only was concerned with Capital One policy. Throughout this entire call, at no point would he answer my question as to why there had been a change in practice over the last 7 days.
Finally after growing frustrated with his lack of candor and unresponsiveness, I asked XXXX whether he had a supervisor. He stated that he did. I asked to speak to his supervisor, however he refused to elevate the call. I asked him why and he said that he was the highest level a customer was allowed to speak with. I let him know that I had no other questions and informed him that I would be filing a complaint. I then ended the call.
This is not the first issue I have had with Capital One, in the past, without my permission, they have enrolled me in autopay. At no point did I authorize this nor would I ever have. I contacted them to let them know and they refused to reverse any charges, stating that they had no control over the charges.I had to file a complaint with my own bank to stop them from continuing to autocharge my account.
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10/11/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX XXXX I deposited a check for {$7600.00} into my capital one checking account via their mobile deposit system. At the time of deposit, the information the presented to me was that the funds from check would be available of XX/XX/XXXX. Several hours later, I received an email and was made aware that XXXX of the check would not be available until XX/XX/XXXX. On XX/XX/XXXX, XXXX half of the check was made available in my checking account. Multiple payment were made these cleared funds on XXXX On XX/XX/XXXX I received notice that not only were the availability of the funds delayed to XX/XX/XXXX, but that the funds that were previously cleared and available in my account were going to be clawed back. The latter action resulted in my account being overdrawn by {$1900.00} with additional payments against the funds that had been available still outstanding.
The information that led to for this action from Capital One was stated as confidential and could not be provided to me. To my knowledge, there was no information provided by the bank upon which the check was drawn that indicated any risk of the check being returned, not did capital one speak to that bank to assess the availability of the funds. When I spoke with their customer protection department on XXXX that told me that they needed to very the business information and asked me for the phone number of the business that wrote the check. I supplied them with the phone number for business from XXXX XXXX so they could look it up online. While this did satisfy their need to verify the legitimacy of the business, they still would not release the funds, nor restore the funds they withdrew from my account. It should be noted that the business phone number was printed on the check and they could have easily verified the business themselves and the check cleared without issue and was not returned.
On XX/XX/XXXX, the funds were made available, but the damage from withdrawing the previously cleared funds from my account had already been done. Payments, ACH transfers, bill payments, rent payments and credit card payments were all returned. While the direct fees incurred from the bank are easy to calculate, the damage to my credit standing and subsequent restrictions put into place after my payments were returned has been palatable. Because of the returned payment, my landlord restricted the use off ACH payments and I was forced to use a debit card which now requires a significant fee for a payment that had been able to be without charge in the past. In addition, I was not able to secure a positive reference from my landlord. My credit card company, which happens to be Capital One, restricted my account to no longer allow for immediate processing and credit availability on my credit card payments.
On XXXX as per their emailed notice, I called to request reimbursement for the expenses from their extraordinary actions. When I spoke with customer service, they were unable to assist because they did not have access to the realtime available balance on my account during this time period. According to the bank itself, the funds were made fully available on XX/XX/XXXX but that was not true. I spoke to the customer protection department that was responsible for withdrawing the previously cleared funds from my account on XXXX and was told they had no ability to refund these fees and directed my back to customer service. It was at this point that I determined filling this complaint was the best course of action.
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11/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
Capital One dba Cabela 's / XXXX XXXX Account closed XXXX 2019.Subsequent monthly payments toward interest posted by AutoPay in time.
Full payoff posted early XX/XX/2019 -- {$3500.00} Internal Case ID : XXXX Call recording ID request REFUSED with " not allowed to me '', the debtor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- New mailed statement received XX/XX/2019 shows posted payment IN FULL XXXX XXXX, 2019.
Interest assessed on zero balance posted {$55.00} ( 20 % on FULL BALANCE {$3500.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - At or about XXXX hrs XX/XX/2019 : contact to call center Agent XXXX ( female ) -- named after Grandmother XXXX XXXX ( established for personalization ) I requested the procedures for FILING A DISPUTE. XXXX appeared to understand. XXXX asked to confer and placed my inbound call on HOLD. Minutes passed. XXXX returned to express regret she was unable to waive the posted interest fees, adding that " RESIDUAL INTEREST '' compounded. When asked what was the billing cycle for assessing interest, XXXX hesitantly described XX/XX/XXXX - XX/XX/XXXX.
I politely reminded XXXX the purpose of this interaction, and embellished my request for filing dispute, with a request to speak with the floor supervisor.
XXXX Warm transfer within a minute to supervisor XXXX ( agent ID : XXXX ).
XXXX began by educating me in Financial contracts, even speaking in terms as if to a child. I was able to explain my career in Financial services, then Information technology with years designing and troubleshooting call centers. XXXX was asked to file for me a dispute This faithful Capital One frontline soldier then proceeded to lie about state & federal law regulating financial services, then refused to file the dispute I requested. When Arbitration was uttered, XXXX went into a scripted scare tirade.
Finally, XXXX divulged the XXXX ID : XXXX post-multiple pleas.
Knowing " barge-in '' capability exists, with Interactive Intelligence monitoring voice emotion, I asked XXXX to request another representative - from the CRM ( customer relationship management ) listeners to interject before XXXX perjured herself but XXXX refused. Finally, a single instruction was offered for filing a complaint but would not agree to transfer the existing call or embellish the procedure.
XXXX went so far as denying posting interest charges as a TRANSACTION. When describing financial concepts, such as line item credits and debits as transactions, XXXX educated me with Capital One training policy where transactions are NOT transactions. She added NO DISPUTE process exists, She further added her financial institution has the final say. I compelled XXXX to agree or disagree Arbitration was feasible and she defiantly declared Capital One does NOT participate!
-- -- -- -- -- -- -- -- -- -- -- -- -- - Although I did express interest in having this residual interest waived that XXXX agreed was appropriate, this was not the nature of the inbound call for assistance.
** I am to make my complaint online ( this account is closed and severely limits activity, even simple updates like change of address AND the process of opening an investigation : a dispute ).
Next steps : speak with or write Executive Complaints to open dialogue.
File complaints with FCRA, Colorado XXXX XXXX District Attorney - FRAUD and Consumer Reports -- XXXX XXXX on behalf of my spouse XXXX XXXX - both co-creditors responsible for this account with Capital One.
Thank You. Home : XXXX
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10/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX I logged in online to make a payment to both my credit card accounts with Capital One. My wife had the funds in her savings account to pay for the currents balances on the cards, she didn't realize there were limitations with making payments from her Savings Account. I received an e-mail on the XXXX stating the payments were returned as soon as the balance posted back to the account I resubmitted the payments again from a checking account which we had transferred the funds to. We watched the payments closely to ensure they took. The payments posted on the my credit card accounts on the XX/XX/XXXX drafting from the checking account on the the XX/XX/XXXX. I had verified Funds had drafted and figured there would be no other issues except maybe return check on my next statement. Then today XX/XX/2018 to get notification from one of the businesses we make purchases through that our charge was declined and that we are in jeopardy of losing our product. As well as, to to get notification from credit karma today XX/XX/2018 that both my accounts were closed, but was never notified by capital one that my accounts would be closed due to a return check. The first two times ( today XX/XX/2018 ) I called and I was hung up on by each representative, to call again a third time time today ( XX/XX/2018 ) and ask to speak with a manager. The manager XXXX, explained that she could only put in a request for one of the accounts to be reopened due to one being a secured card. Which I kindly disagree with, because I was never informed the accounts were in jeopardy of being closed. To avoid delaying the call any longer I accepted this answer, because my main credit card with the higher limit was going to be requested to be reopened. To be informed it is not a guarantee it will be reopened and the process would take 7-10 business days. Then I asked the manager XXXX if she was able to put in an expedited request because I was not informed by any form of communication ( cell phone, e-mail, text, mail etc. ) that my account was in jeopardy of being closed, because I had been following the matter diligently to make sure no other steps or measures were needed to resolve this issue. XXXX then followed up with saying that the account was closed on XX/XX/2018 and she could do an expedited request, but more likely it won't happen because they're backlogged 30 days on the reopen requests.I then stated I would very much like an expedited request put in because I was never notified. That's when XXXX responded with " to be honest our company would answer that the closing of my accounts falls on me because I wasn't financially responsible and staying on top of my account status, by not logging in every day etc. '' ( If you notice above in this complaint I told you I follow this matter diligently to ensure the issue was resolved and received NO COMMUNICATION that my accounts were in danger of being closed ) At this point I asked to speak with a manager higher than her and she said she is the highest form of management I could speak to over the phone, I then asked if there was a presidential department or any other department higher that I could talk to and was informed by XXXX if I wanted a response from anyone higher than her that I would have to write in and was provided two addresses XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX And XXXX XXXX XXXX XXXX VA XXXX Attn XXXX And I find this highly unacceptable to have to handle this matter by mail when it should be deemed more urgent.
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08/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I was in XXXX XXXX XXXX, XXXX over the XX/XX/XXXX weekend. On XX/XX/XXXX my fiancee and I rented a car to drive about an hour XXXX to a town called XXXX XXXX.
On the way home we had to stop at a gas station in XXXX to fill up the rental car so we wouldn't get charged when we brought the car back. Most gas stations in XXXX are full serve so the attendant comes over and asks how much gas you need.
I told the gas attendant to fill the tank up and handed him my Capital One card ending in XXXX and then I asked where the bathroom was.
When I got back from the bathroom the gas attendant said this card wasn't working and I thought that's weird but whatever and handed him my other Capital One card ending in XXXX. He ran it and it worked fine and I signed it and it came out to {$29.00} in US dollars. That was what I thought was the end of a normal gas tank fill up transaction.
Low and behold a couple weeks later I checked my credit card online and I saw that the same gas station in XXXX charged my first credit card ending in XXXX ( now XXXX since I cancelled card because of this ) in the amount of {$180.00}. Obviously, right away I knew I was ripped off and fraud was committed and I called Capital One to report this and had to cancel the card, which I wasn't happy about because I have monthly bills attached to this card.
Capital One said they would take care of it and then all of a sudden I get a letter yesterday on XX/XX/19 from Capital One saying that they found no fraud and were charging this {$180.00} back on my card!!
I couldn't believe how they could possibly say this wasn't fraud, this is the most clear cut case of fraud I've ever heard of. A guy at a business pretends a card doesn't work and charges it for {$180.00} never telling me and then asks for another card to charge for the gas. I was completely lied to and deceived by this gas station.
Who pays {$180.00} for gas in a tiny rental car?!
When I called to complain to Capital One today on XX/XX/19 they said this wasn't fraud. They said because I handed the guy this card ending in XXXX ( now XXXX because I had to cancel this card because of this ) that it couldn't be fraud, which is the the most absurd thing I've ever heard. Capital One says since I handed them a card to purchase goods it wasn't fraud and I could only file a dispute. I asked how is this not fraud? It's not a dispute because the charge was made FRAUDULENTLY on my card without my permission. Capital One is continuing to say this isn't fraud and they are transferring it to the disputes department.
I told Capital One this is the most clear case of fraud I've ever seen and this is ridiculous how I'm being treated and the hoops I'm having to jump through for fraud being committed in XXXX. I told them this better just get taken off my account because I was ripped off and fraud committed against me. They said disputes will look into it but this whole thing is unacceptable that I'm having to go through all this work and stress for the most clear cut case ever.
I want my {$180.00} back that was stolen from me period. I don't care who or what department does it but I need my money back.
Capital One needs to read the definition of fraud in the dictionary which reads " wrongful or criminal deception intended to result in financial or personal gain ''. How is this not fraud?!?!?!? It couldn't be more clear cut.
Thank you for helping me with Capital One because they are trying to bully me into paying for a fraudulent charge.
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06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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As disclosed herein XXXX XXXX XXXX XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ).
XXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed.
With assistance from third-party experts, XXXX & XXXX XXXX XXXX steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused.
XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXXl XXXX ( XXXX ), XXXX ( XXXX XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.
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06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I made two transactions with my Capital One credit card for two bookings of a tour in XXXX XXXX with a XXXX XXXX company called XXXX. I was going to go on a tour with my sister. Each of these transactions were for {$1600.00}. The trip was originally supposed to happen in XX/XX/XXXX. Unfortunately, due to the ongoing XXXX pandemic the tour continued to be delayed. The latest delay bumped the trip up to XX/XX/XXXX. However, on XX/XX/XXXX, I sent XXXX a cancellation request for both bookings because of family illnesses preventing us from going anymore. Of the {$1600.00} booking, part of that total was for travel insurance. I was seeking information on the travel insurance to make a claim. I have never received a response form XXXX. On XX/XX/XXXX I made an online search for additional contact information for XXXX. During that online search I discovered that the tour company is under liquidation as of XX/XX/XXXX. I made an immediate call to my credit card company to file a claim. I spent countless hours compiling emails and providing information about the situation. All of the information was sent to them as soon as I possibly was able and I received confirmation they received my information on XX/XX/XXXX. They reviewed my case and found they were not liable to provide back my money.
I have sent two complaint letters to Capital One corporate regarding this issue. The initial complaint I made on XX/XX/XXXX they responded stating that I was too late to receive my money back. In my complaint I told them that government-imposed travel restrictions cause the trip to be delayed for so long. I also stated that I had every intention of going if I was able to go. When we knew were not able to go on the trip anymore due to family illness we attempted to contact XXXX as soon as possible. Again, the trip was supposed to be happening on XX/XX/XXXX. We were also seeking information about the travel insurance we had purchased with the booking because this was an unexpected cancellation. Capital One verbally stated to me that a letter sent out on XX/XX/XXXX was their official answer. Attached is the letter. The letter did not really acknowledge and specify anything about the situation.
My second complaint to Capital One was sent on XX/XX/XXXX I have yet to receive a response.
When I discovered that the company was in liquidation I made contact with the liquidator, XXXX, to be kept in the loop of the whole process. XXXX has stated in reports that there was little money to be distributed. Furthermore, in the current six-month liquidation update, XXXX executives had used customers money in cryptocurrency trades that all ended in losses. The XXXX XXXX XXXX is also following the liquidation and is pending an investigation with the XXXX XXXX XXXX once the liquidation is completed.
Lastly, I am in a group of people who also have lost their money due to XXXX ceasing operations. It became knowledge that the travel insurance we thought we purchased with our booking does not exist per the travel insurance company. I thought I purchased travel insurance but this was apparently not the case per the insurance company, XXXX. We were falsely led into believing we had travel insurance by XXXX. I am also in contact with XXXX to receive official correspondence that no travel insurance plans were made for XXXX.
Attached is all the reports, emails, and complaint letters I have compiled. Please contact me if you need any more information or clarity in this situation.
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01/16/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXX To Whom It May Concern : Subject Matter : Cash Deposit Not Credited Into Checking Account Using A Capital One Owned ATM Machine.
On XXXX, I went to make a cash deposit into a Capital One Owned ATM located at a XXXX Department Store. At the following address. XXXX XXXX XXXX XXXX, XXXX Massachusetts XXXX.
I started the cash deposit of {$740.00} between XXXX XXXX eastern standard time and XXXX XXXX eastern standard time. During the course of the cash deposit in the ATM, the ATM returned a {$10.00} bill due to one corner of bill wasnt completely flat.
The amount deposited was {$730.00} however the ATM malfunctioned. Generally the amount deposited appears of the ATM machine. In this specific case, this did not occur and nor this the Capital One Owned ATM give me a printer receipt.
I called Capital One at exactly XXXX XXXX eastern standard time and the phone conversation lasted 29 minutes. In order to report the above. I was informed it would take Capital One Bank up to 10 days to investigate the situation. At which point a provisional credit would be credited into my checking account.
During this conversation, I informed the Capital One representative two bills were coming out of that deposit to the following.
{$270.00} to my Capital One Credit Card and a monthly payment of slightly less than {$400.00} to XXXX XXXX. Which is withdrawn on the XXXX of each month. As a result of the ATM malfunction of the cash deposit. The Capital One Credit Card payment was returned on XXXX. The XXXX XXXX payment will also be rejected.
I called Capital One XXXX at exactly XXXX XXXX and spoke with 3 separate individuals. The general Capital One Representative, A Capital One Manager and was told I was being transferred to another individual in Capital Ones Dispute Department. At which point the phone call disconnected. The time this conversation lasted was exactly for One Hour and 16 minutes.
During the conversation above I was given the following phone number to Capital Ones dispute department. XXXX. I returned the phone call at exactly XXXX XXXX eastern standard time. This conversation lasted 54 minutes.
I spoke with an individual whom simply reports the information to Capital Ones Dispute Department. It was at that point, I was told my conversation on XXXX at XXXX XXXX. A dispute wasnt filed. I filed another dispute with the representative. I asked if this issue could be forwarded to a higher level of management. As I knew if I didnt receive a provisional credit the XXXX XXXX payment would be returned. I was told their was nothing that could be done until the investigation was completed and again I was informed this process could talk up to 10 days.
I called XXXX XXXX to explain the situation and tried to attempt to switch the withdrawal from another bank however their simply wasnt enough time.
I attempted to explain to all the Capital One Individuals I spoke with the importance of the XXXX XXXX payment. As Im currently in the process of closing a business loan with XXXX XXXX. Obviously the concern now is the possibility of the business loan being declined. As a result of the returned payment.
On XXXX, I spoke with one of the XXXX managers on the phone. This individual informed myself this specific ATM malfunctions on a consent bases at the XXXX location indicated above.
I am filing this complaint with the Consumer Protection Bureau to have this on file. In the event this turns into a law suit against Capital One Bank.
Regards, JS
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11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I applied for and was approved for a capital 1 quicksilver card which I received on XX/XX/XXXX. I used the card a few times over the next couple days then it stopped working. So I called to find out what the deal was and was informed my account had been restricted for suspected fraud. I was told I had to upload a picture of the front and back of my Drivers license to confirm my identity. I did so on their supposedly secure link then thought it was taken care of. The next day I call to see why my account is still frozen and they say they need pictures of my social security card and 2 proofs of address. Even though I think this is absolutely absurd, I comply because I had gotten this card to make a balance transfer and it wouldve been helpful if I had been able to do so. A few days later I call again to see why they still had my account restricted and was told they had received my documents and they have 14 days to complete their investigation and decide the outcome so dont call them again just wait to hear from them with their decision. 2 weeks passes and I've heard nothing, still have my account restricted but havent even attempted to contact me once through this all. I chat with a customer service rep online who was actually nice and trying to be helpful, he gave me a number to call and said they could clear it right up. I waited about week before I mustered up the patience to deal with them again then called on XX/XX/20 to once again find out what the problem was. I was told they needed a picture of the back of my drivers license, which I had already sent them the very 1st interaction I had. I told them I already did that but proceeded to take as many pictures of my drivers license as I could fit in the file from various distances and angles so there was no way they could claim not to have gotten 1. I received a call today that they were finally lifting the restriction on my account. I used the card at an atm with my pin # to withdraw {$200.00} then tried to use the card maybe an hour later and it's no longer working. I have a XXXX balance, {$8000.00} limit, {$2400.00} cash advance limit so I'm not maxed out with no available credit. So I call the fraud department to see what their problem is and give the guy my SSN to look up my account. He then says he needs my full name, so I give it to him. Next he wants the last 4 of my SSN. I said " i just XXXX XXXX XXXX XXXX XXXX gave you my whole SSN! '' Then he wants my birthday instead, so I tell him. He says he has to put me on hold while he looks up my account to see what's going on then leaves me there for 20 minutes until I somehow get disconnected. I could've gotten a credit card from any other company that I could've actually used for the balance transfer I got the thing for in the first place or not gotten 1 and saved myself the inquiry and not made the purchases I made after being approved for the card thinking I was going to be able to use it to transfer the balance of said purchases to with a 0.0 % intro apr rate. Now I'm stuck with no credit card, a hard inquiry for nothing, {$8000.00} less in available credit which combined with the recent hard inquiry got me denied for the other credit card I was considering. I applied during all this hoping to get a new card and just cancel the one with capital one. Now I'm in a crappy position thanks to their fraud departments fraudulent practices. Pretty sure they're doing something illegal with all this info they need everybody to give them repeatedly.
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10/31/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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In an XXXX XXXX, 2015 letter from Capital One, I was informed in an unsigned letter that someone may have opened a credit card account using some of my personal info. The letter provided a reference number of leading xs and ending in XXXX digits.Beneath the reference number was a XXXX " Case Number ''. In a letter of XXXX XXXX, 2015, I wrote Capital One indicating that I was exercising my right to obtain documents relating to fraudulent transaction made or accounts opened using my personal information and thus was requesting a copy of applications and other business records relating to the attempt to create ( or the creation ) or establishment of an account in my name. My written request resulted in a standard form letter, dated XXXX XXXX, that was not responsive but which was assigned a different reference # and corresponding Case No. that was different from the first. The letter was not signed. The letter asked that I provide ( 1 ) any supporting documentation, such as my credit report, ( 2 ) a copy of the XXXX XXXX letter, ( 3 ) a copy of my original request dated XXXX XXXX, and ( 4 ) completion of a separate attachment. The attachment asked for my Name, Address on file with Capital One ( unknown so N/A ), Current Address, Account Number ( unknown so N/A ), SSN, and Date of Birth. I completed the information on the attached page, made copies of the correspondences, and mailed back to Capital One, XXXX XXXX in XXXX XXXX XXXX UT on XXXX XXXX. On XXXX XXXX, I received the SAME FORM LETTER /attachment with a THIRD different reference number/Case No. from Capital One. XXXX was unresponsive. In my follow-up letter of XXXX XXXX, I cited all of the XXXX reference/case numbers and demanded that Capital One not send another form letter. But on XXXX XXXX, I received the same form letter with new reference/case no. Discussed, I called the 'customer fraud protection team ' @ XXXX XXXX ( XXXX ) on XXXX XXXX and spoke for more than 20 minutes back and forth with XXXX who did not provide a call back extension and who promised to give me a call back after speaking with her supervisor about my request to send me the online application that was completed using my personal information. XXXX told me that I could not receive the document but would check and call me. On XXXX XXXX I called back at XXXX XXXX to follow-up with XXXX but was blocked by XXXX who took up the battle for 57 minutes trying ( but unsuccessfully ) to explain that of the XXXX reference/case numbers, only XXXX was 'valid ' and that there was no application - contrary to what XXXX had said. Then XXXX told me I would have to fax XXXX govt-issued photo IDs, a notarized signed statement, and copy of my SSN card. She provided no name for the fax and could not guarantee that even after all of that I would get the application. I asked why these requirements were not specifically cited in the responses from Capital One instead of the same form letter. And why was there no one dedicated to my case. XXXX was not even clear on the process and what became of the correspondence mailed to the POB. After speaking with her, I became concerned that each case number represented a separate attempt to open a new credit card. But she felt I should not be concerned because only XXXX case number appeared from her search ... the others were unsuccessful. I 'm complaining that this process by Capital One for handling fraud cases is broken and disconnected. Neither would XXXX or XXXX elevate or refer me to their supervisor.
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11/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Capital One Auto Finance XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise.
I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX University, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals!
In GENUINE SINCERITY I CLOSE,
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08/30/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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XXXX XXXX I went to the bank in person on XXXX 2016 and gave the check to the teller to deposit into my account, and specified to the teller to make sure the check is good and she told me to come back tomorrow because the funds are not available the same day and the check should clear tomorrow and the funds will be in the account.
I went back to the bank in person on XXXX 2016 in the morning in person and went to the same teller and i asked her is the check good and the funds are available? and she said yes the check is good and the funds are in the account and you can withdraw it now.
Once i was told the check is good and the funds are in the account i trusted what the capital one bank teller told me so there is no reason to doubt anything.
I also made a additional call later in the morning to double check the funds were there in my account after i took {$1200.00} dollars out to make sure.
I went food shopping around XXXX at stop and shop and when i got to the cashier my ATM card would not work 3 or 4 times on different machines, so i called capital one bank and they told me all the accounts are frozen because the check that was deposited the day before was a fraud and fictitious, and i asked them what happend to my money in the account and they told me capital one didn, t get paid so we took your money to make sure capital one gets paid.
Capital one left me with no money in my account and no money in my pocket and no access to make checks and pay bills and cut off my wife, s accounts also leaving us broke and embarrassed, all this because they did not bother to make sure the check is good before putting funds in my account and lying to me not once but twice in person at the bank telling me the check is good and the funds are in the account by their bank teller.
I believe that there is no security for the customers money in this bank or any other bank that conducts buisness in this manner, there needs to be a change to bank policy across the board to safe guard the rights of the customer.
These type of security problems can be avoided simply by enforcing customer security over customer want, i rather wait 3-5 days for my funds to be checked out fully before any money is put into my account so i dont have to go through this ever again or any body else.
It is the banks job to make sure a check is fully good and cleared before any funds are available, instead i was turned in circles and spoken to in a bad manner by a number of capital one representives and capital one rather blame me and lie to the better buisness bureau and all related agentcies than take responsibility to reimburse me for their faulty buisness policies.
There should be no funds put into an account until a check is fully cleared and verified, this is the banks job to secure the money and transactions of the customer first not leave their customers broke and cut off of any money to live.
I don, t accept this answer from capital one because they are just trying to cover up for there mistakes in policy, besides i had one of their higher ups call me and tell me that they are going to change policy across all of their banks because of this incident.
If you need any proofs i have documentation, I have a [ Police report ], [ XXXX report ], [ Capital one complaint ], If they dont reimburse me for their faulty policies i would like to request a lawer from the XXXX because i cant afford my own to follow this to get my money back and to change bank policy for everyone.
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12/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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XX/XX/2022 I called Capital One about my new XXXX account and problems setting up my account online to enable me to view account activity and make payments. Capital One advised they had to verify my identity.
Repeated arduous attempts to provide them my scanned drivers license on their ID Verification website failed. The image was not clear enough, or the representative reset the process prematurely. As an alternative, I was instructed to email the scanned image of my drivers license. I did so. Some time later Capital One confirmed my ID was verified and I could proceed to set up my account online.
I attempted several times to access or set up an online account and my efforts proved not productive.
XX/XX/2022 I again attempted to set up online access. The system responded that I already had an account set up. I attempted to recover that information through Capital Ones I forgot my user name or password link. It requested my last name, full social security number, and birthdate to locate my account. It then instead, routed me to a webpage instructing me to call XXXX.
I did so. Capital Ones representative asked me my cellphone number to send me a text message containing a 6-digit code as verification. I gave my cellphone number. The rep came back and said Capital One could not use my cellphone number because its one of several phones under my daughters family plan, and is not a cellphone account held specifically under my name.
The rep said she would text a link to my cellphone and instructed me to follow it to an online webpage. I did so.
The webpage is the same address that Capital One sent me to on XX/XX/2022 to unsuccessfully attempt uploading a scanned copy of my drivers license. I completed the ID Verification process by emailing a copy of my drivers license to Capital One. Capital One advised that my identity was verified.
Now however, they say it is not and demand I go through the entire process again. Im more than a little concerned about the repeated entry of my personal and private information data that they have and are again requesting that I provide. No website is 100 % secure against data dumps and hacks. This level of repeated carelessness is very disconcerting to me.
And all the while, though promised otherwise, I have never been provided access or enabled to create a new online account to access, view, and timely make payments to my account. Capital One is charging late fees and this inability to access my account is not only frustrating and increasingly costly, its harming my credit score.
When I asked for a supervisor, my request was refused. Capital One demands I repeat the entire ID Verification process again or my access to and management of my credit card account will remain denied, without recourse.
They can not verify me by sending a 6-digit code to my cellphone to relay back them, because my phone is on a family plan under my daughters name.
But they can text my cellphone a link to their scanned drivers license webpage that apparently, even when successful, does nothing to enable a person to set up an online account.
They can also take my payment over my cellphone.
But they simply can not accept my cellphone as a trustworthy device for anything else, such as allowing my access to their online account for my credit card, so I can manage it from my cellphone.
I consider this unnecessarily unreasonable and unfairly detrimental to me in that it places my credit score at great risk of undue harm.
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05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
|
On XX/XX/2022 I sent a merchant {$410.00} via XXXX XXXX and XXXX to purchase a graphics card. The charge posted to my Capital One Quicksilver Credit Card ( account ending XXXX ) on XX/XX/2022.
In the following week, the merchant was nonresponsive and sent no tracking info.
On XX/XX/2022 I called Capital One to dispute the transaction. On XX/XX/2022 a temporary account statement was provided.
On or about XX/XX/2022 the merchant contacted me and provided tracking information. I subsequently received the goods I ordered in good working order.
On XX/XX/XXXX, I called Capital One requesting to cancel my dispute. On this call, I was informed it was too late to cancel my dispute and that the necessary process would be for the charge to be re-billed to my account.
On or about XX/XX/2022 I was contacted by the merchant and asked to contact my bank. I called Capital One and they explained the charge had not yet been rebilled and to wait a few more days.
On XX/XX/2022 I was re-billed and Capital One sent me a letter confirming the re-biling. See attached. XXXX ID XXXX Thereafter the merchant continued to contact me asking me where his money was and I contacted XXXX on several occasions. XXXX insisted XXXX was awaiting a final determination from Capital One on the case. And, when asked, Capital One insisted it was waiting on additional documentation from the merchant despite having already issued a letter to me on XX/XX/2022.
On XX/XX/2022 I initiated a conference call with a disputes supervisor at XXXX, XXXX XXXX, a disputes supervisor at Capital One, XXXX # XXXX, and the merchant, XXXX. In addition to the XXXX parties on the conference call, XXXX XXXX was separately in communications with XXXX 's back office team on a second line. This call began at approximately XXXX XXXX XXXX and was recorded by both XXXX and Capital One. All parties were duly authenticated on the recorded line.
In the course of the call, XXXX from Capital One acknowledged that XXXX had not received a final determination from Capital One and agreed to have the final determination re-sent. XXXX XXXX, seeking to resolve this issue, sent a follow-up email after the call documenting the resolution and personally committing to follow-up before the processing deadline of XX/XX/2022 ( 75 days from when the dispute was originated ).
It was also explained on this call that dispute documentation reporting is handled exclusively through a backend computer data feed, which neither XXXX nor Capital One 's dispute teams have direct access to and is not capable of manual override. XXXX indicated they may be willing to accept an email or fax of the letter from Capital One, but Capital One was unwilling to fax or email and insisted on sending and re-sending through the data feed.
On XX/XX/2022 I received an email from XXXX XXXX stating XXXX had not yet received any documentation from Capital One.
On XX/XX/2022 I called Capital One and spoke to the disputes supervisor, XXXX # XXXX, about the matter. Per XXXX, the documents were already sent by Capital One to XXXX on XX/XX/2022 and XXXX had ordered a re-send on XX/XX/2022. However, per XXXX, Capital One has marked the case as closed and she has no way of transmiting the information to XXXX. XXXX XXXX, Capital One has discharged its obligation in this matter and will not be providing additional information to XXXX.
Meanwhile, the chargeback caused the merchant 's account, XXXX 's account, to be overdrawn and sent to collections.
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09/23/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
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On XX/XX/2016, Capital One Bank decided to bank force close my credit card with them without prior notice, written or otherwise ; not even a phone call. I became aware of this only when I called Capital One that day to inquire about when my new due date will take effect being I submitted a change request about two weeks prior. After I validated my information on their IVR, the system notified me that my account was closed, I was surprised about this and figured it was an error. When I reached an agent, he advised me that the bank closed my credit card because of First Party Fraud! Again, I was surprised, and at this moment astonished and asked what the agent meant by that, he said because I had returned payments, it was Fraud and the bank closed my account! I have had XXXX returns due to a mistake of mine on transferring funds between accounts or not selecting the right DDA for ACH Collections, an honest mistake. Since the most recent declined payment, I decided to switch back to ACH Payments via my bank ( XXXX ) to avoid returns and me being charged NSF fees via my deposit accounts. On XXXX/XXXX/16, I submitted a {$550.00} ACH Payment/BillPay via my bank, which would leave me with a credit balance on my credit card. Astonishingly, and coincidentally, the day my payment was transmitted and received by Capital One, they bank force closed my account with no notice of any kind, this harmed me financially even to this day XX/XX/2016, a week later because as a responsible adult I paid all of my bills and relied upon my credit card for fuel to get to work, food, etc. My best friend is wiring me money so I can buy food, and gas so I can go to work and my doctors office. Capital One indicated this is a new policy of their cardmember agreement to close risky accounts, which no notifications, agreements, disclosures, nothing was sent to me via any medium. A midteir manager submitted a " XXXX paragraph case '' on my behalf to reopen the account however, the 48 hour service level agreement wasnt kept and that manager is n't in the office from Wednesday to today, thus apparently the ONLY person that can review my case and advise me of the final determination. The bank is purposely bouncing me around to person to person and refusing to give me clear, consistent information about the new policy or my appeal and it 's been five business days ; I believe this is because I 've threatened to file a CFPB Complaint, they get very ambiguous at that point. The manager that even submitted my appeal in my defense to reopen my account even asked me to hold off on the CFPB and Executive Complaint fillings, but I could still file them if I really wanted too .... They know their in the wrong and are dragging their feet. Did I mention that I 'm a pay in full customer? So how I 'm a risky customer other than the fact they are n't making " money '' off of me is beyond me. I 've missed two days of work this week because of this situation and it 's still not resolved in the fact of my account being reopened or even a call back when they promise ; oh and their holding my {$130.00} credit balance and {$240.00} security deposit hostage for 30 - 60 days they say should my account stay closed ... XXXX Practices like this should be investigated and prohibited per unethical and harms people that relies upon the bank for survival.
Lastly, should the bank indicate my point of view is inaccurate, every phone call with the bank has been recorded and I can provide a copy upon request.
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12/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
I have a Capital one bank borrowed my account to get a loan from XXXX XXXX XXXX and my account was hacked and used my loan to send to the wrong address from XXXXXXXX XXXX XXXX I have credit report from my XXXX dispute in favor my ID was stolen and used my information to send it to XXXX when my account with XXXX was requiring a refund my loan from XXXXXXXX XXXX XXXX was I'd theft and reported stolen I contacted the IRS with my tax refund direct deposit to my Capital one bank to pay them off what I owed and send a security transfer to my XXXX XXXX using my XXXX XXXX and XXXX XXXX account linked and my XXXX XXXX and capital one bank account was seized and blocked off saying the IRS had a Identity theft from a XXXX Data Breach and they said scammers were taken the money an left a note that doing business with me was cut off. I have a financial statement of delinquent account that caused a bankruptcy and I contacted the irs and the theft bureau of my account and was prosecuted stolen and sent a XXXX form to XXXX XXXX from tax protection plus Identy theft bureau for claim of {$20000.00} from my XXXX XXXX refund I sent the statement to direct deposit to my Capital One Bank and contacted the XXXX site administration and said was a claim for a case open from XXXX XXXX XXXX site administrator that my files were under investigation for theft and reported my domiciliary accounts hacked and stolen from my database needing security fee for money transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ordered that the bank be transferred to XXXX with my stolen Identy issue so I contacted XXXX Identity works with my XXXX data breach account she sent email and checked my data was stolen Identity 3 and reported it a claim dispute but my form XXXX went to Capital One bnak and the filed a manager to close my bank account down due to delinquent account issue owing them money and said contact claims administration about the problem my IRS CASE WORKER said contact the IRS with XXXX XXXX and update a ID with XXXX ammended tax voucher and respond to the case payment with my update I have a dispute with XXXX capital one bank XXXX XXXX sent a negligent delinquent account payment voucher from XXXX eployeement payment voucher XXXX with case number for XXXX to pay and left at there desk to file mailed in voucher check from XXXX claimed theirs used my name to ID theft my records and updated the case stolen and never recieved when XXXX and XXXX and Capital one called a delinquent account from the notice letter from the IRS the Capital One bank National Associate claimed that the voucher wasn't on file with the report mailed in from the post office and stole my Identity to use it on the claim from the respondent and created a bankruptcy dispute until they get paid from Capital One bank {$110000.00} was lost in a case with XXXX direct deposit mailed in case document payment reported theft from my case files and distorted to the public as inheritance fund from a collection notice and closed my accounts down with undisputed claim charges and billing disputes from the government. So I called the direct IRS and mad an appointment with XXXX XXXX XXXX and said was a XXXX X ammended return payment voucher sent and come in the office to make a claim and I never recieved my direct deposit tax refund claim or deposit was stated in the bnak with someone using my name. I also reported a XXXX data breach on my claim was sent to dispute claimes office for a data breach.
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02/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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To begin, I've been with Capital One since XX/XX/XXXX with their Platinum introductory credit card. A year and some later, I submitted an application for Capital One 's Quicksilver Card that I was pre-approved for and upon applying on XX/XX/XXXX I was instantly approved for a {$2000.00} credit limit. About a couple hours later, the new card was linked to my Capital One mobile app, but the physical card itself would not arrive until XXXX XXXX ( XX/XX/XXXX ). No issues at this point and a couple days later on the XX/XX/XXXX, I receive an email to send a photo of the front and back of my drivers license for Personal Identification verification. I submitted the 2 photos, they confirmed, and eventually on the XXXX I received the Quicksilver card, but the account for that particular card was removed from my mobile app leaving only my first ( Platinum ) card visibly there.
I then followed up with a call on XX/XX/XXXX to re-link my Quicksilver Card to my mobile app and they then informed me that the Quicksilver card was flagged for " fraudulent purposes '' without myself even attempting to purchase anything on the card. They said that upon my submission of the initial application for the card, I input the wrong social security number. I was baffled because if this were true from the start, I wouldn't have had my credit ran/dinged upon applying AND let alone given an approval for the card if so. Their customer service rep could not give me a straight answer after I answered and gave all necessary security info to access and see my account. At the end of this first call, they emailed me a " document upload '' link to " unrestrict '' my Quicksilver Card and provide proof of identity. The following were the documents they needed : Personal Identification, Proof of Residency, and Proof of Social Security Number. They sent me this email on the XX/XX/XXXX and I submitted the documents a week later on the XX/XX/XXXX.
After some waiting and promise of Capital One reaching out to me within 3-business days regarding the status of the Quicksilver card, I was left without an update so I called again. It is now XX/XX/XXXX and I call again to see the current status of my account and they gave me the same excuse to the card being flagged for " fraudulent issues '' and that I need to submit additional documentation to clear this up. The customer rep told me to refer to my email, so I get off the phone and find out they need me to send my Personal Identification photos, front and back, AGAIN. This is the 3rd time I submitted these photos to Capital One with non-working card and a hard inquiry still on my account.
I then called on XX/XX/XXXX for an update in hopes that maybe this time around my account is no longer restricted, but again, it still is. For this 4th call, the customer representative for Capital One gave me no new info and let me know " They received my documents and verified them, but can not contact those who unlock my account ''. I was offered another call back in the standard 3 business days and it has been just about another week since then, today being the XX/XX/XXXX.
It has been just under 2 months of me applying for this credit card, getting my credit ran, and not being able to use the Quicksilver card they issued me.
I'm never one to go out of my way and pursue a complaint, but at this point, Captial One and their reps have not resolved the issue at hand, considering the other credit card I have with them has always been in great standing.
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09/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened an acct with Capitol One Platinum Master Card or around XXXX XXXX. In XXXX, I knew that the minimum payment for the minimum extended line of credit, was XXXX USD AND XXXX USD per month of payments. I had an introductory offer of 5 on time payments and my credit line could be extended.
In XXXX, I used the card and attempted to make a payment of the whole balance. However, my bank reordered the transactions and kicked back my payment and over drew me by XXXX cents. I went back to my bank and asked them why they declined a payment made BEFORE the XXXX to Capital One but it was to no avail. So my next paycheck, I sent them XXXX. Capital One claims that this was only FOUR DAYS prior to my first billing cycle.
Then, I decide not to throw anymore money at the card until I get an actual bill. I did not get access to this until around or about XXXX XXXX. I sent them, using my prepaid XXXX, a mailed check for the minimum monthly amount of XXXX USD.
THIS was my ONLY notification my bill was ready ... my logging on to Capital One to see the XXXX Statement was finally viewable.
BUT when I called and told them XXXX may be late in delivering their XXXX XXXX payment, but they should receive it soon ; however I did make the XXXX USD payment already.
THIS is when they said that the XXXX USD payment was made too early ( by four days ) to count as an actual payment toward the billing cycles. And the XXXX USD payment could take up to TEN DAYS to apply because 1. MAIL. they do n't go by postmark, they go by date of reception. Now this is an issue for a myriad of reasons. A. XXXX said mail was being delayed because of natural disasters. Capital One refused to factor this in. Even though Califoria wildfires have been impacting our mail and deliveries for months now and as of this week XXXX XXXX is in flames and XXXX Oregon ... where I live ... has been declared a state of emergency. The last rep I spoke with said they were helping Hurricane Harvey Victims, but that my " STATE was not under water ... when my entire state was in flames ... then Capital One would help. '' This is an egregious statement.
2. The last rep told me that because my bank or I did n't use a " remittance form '' it would take an " extra FIVE DAYS TO BE PROCESSED because Capital One believes remittance letters to be expensive and assumes online consumers will pay direct rather than mail in their payment. '' But mailing is STILL AN OPTION.
WITH ALL THIS SAID ... this card is supposed to be here to help REBUILD my credit ... not keep digging me deeper. But they seem to keep putting obstacles in my way and penalizing me for doing things good like making SIX TIMES the monthly payment nearly a month before my FIRST DUE DATE.
Otherwise I would consider this to be predatory lending. Which is defined as by debt.org, " ... Any lending practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative, or unscrupulous actions for a loan that a borrower does n't need, want, or ca n't afford. '' They are using " second chance financing '' for at-risk credit consumers and then forcing into confining and impossible billing practices, especially on their first billing month ... essentially setting them up for automatic failure ... unless they are omniscient and can predict to the date when their billing cycle will begin ... as I did call and ask prior to the XXXX USD PAYMENT AND WAS TOLD THAT UNTIL THE BILL DROPPED NO ONE KNEW WE COULD ONLY " guesstimate. ''
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06/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I had a Quick Silver One credit card with Capital One. In XX/XX/2022, I closed my primary bank account and opened a new one. I thought I had updated my bank account information everywhere in the Capital One app that required it. ( I also have my car loan with them. ) Apparently, according to Capital One, if you update your bank account in your Account Settings, it doesn't flow through to ALL of your accounts. In the case of my credit card, that meant when they attempted to run my monthly auto-pay ( I pay the balance off every month ), the payment was rejected because they were using the closed bank account. ( No problems at all, funnily enough, on the car loan side. ) As a result, they charged me a late fee, an interest fee, and my credit score was docked. I believe this was XX/XX/2022.
I called them, obviously upset because I didn't view this as my error, I raised my voice, and I said to them, " You're making me feel like XXXX trash for this. '' ( To their credit, they waved the late fee and interest fee. ) That comment appears to have been flagged as " abusive. '' Consequently, Capital One sent me a letter on XX/XX/2022, to say that because of my abusive language, they were closing my credit card immediately. I called them the day I received the letter to figure out what was going on, and the representative on the phone told me not to worry, this happens sometimes, and she encouraged me to re-apply. ( In fact, the letter I received made no mention of being banned from having an account with Capital One. Quite the opposite. It said, " Please refrain from using abusive language in future communications. '' ) I applied over the phone, and I was approved the next day- for the same Quick Silver One card, and with a higher limit. I was also immediately charged a {$39.00} annual fee.
Yesterday, XX/XX/2022, I received another letter from Capital One, informing me that they were canceling my NEW card immediately because of the PRIOR incident. I called back, spoke to a Senior Customer Service Manager named XXXX, and she confirmed that this was actually happening. I asked her if there were any solutions available to me -- from my perspective, the only abusive language I used was directed at myself, not at her colleagues, and the entire review process they conduct seems very one-sided and without due process. She said there were none, and that it was impossible for me to appeal to the team that conduct the reviews. She also said, cryptically, that while she can not tell me that I am banned from having an account with Capital One, she can tell me that I am encouraged to keep applying, but with no guarantee on whether I'll be approved. I said, I did re-apply, and I was approved, and you charged me a {$39.00} annual fee. What's more, I said, because you ran a credit report to approve me for this new card, my credit score took another hit, which is going to make it even harder for me to go elsewhere to get credit. She had no reply.
In my opinion, this is an illegal racket. Not only is Capital One 's review process for alleged abusive language without due process, but they are encouraging victims of this sham review process to reapply, knowing full well that they will have their accounts closed again, but only after incurring another annual fee. Because this specific product ( Quick Silver One ) is designed for customers who may have a lower than average credit score, they are clearly targeting a specific economic class of victims in this racket.
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08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have been working to get reimbursed for this problem for more than a year, so there are a lot of details. But let me preface the information by describing the problem as it currently stands : I went through a dispute process for a charge on my Visa card with Capital One. They informed me I lost the dispute. The bank that represents the other party ( the vendor ) also informed the vendor they lost the dispute. Somehow we both lost and the banks kept the money. I have attempted to resolve this on numerous occasions with Capital One, but they believe it is 100 % out of their hands once a determination has been made on a dispute. The other bank says the same.
Full details : In XXXX, 2018, I used my visa to pay approximately {$860.00} for a deposit for artificial grass for a play area for my kids. The change was made in XXXX. Later that day, I got a message from the vendor saying that he spoke with the manufacturer, and the type of grass I ordered wasnt appropriate for a play area. The correct grass would require additional padding and cost twice as much. Less than 24 hours after putting down the deposit, I canceled the order. The vendor agreed that I would get a full reimbursement. However, they said they needed more time to refund my money because they had already purchased the wrong grass ( even though the manufacturer told them it was the wrong one ). The vendor told me he would refund my money as soon as another customer came along and purchased the grass. That scared me, so I filed a dispute with the credit card company to put a hold on the money. Again, all within a day of putting down the deposit.
We continued through the dispute process, and I filed the appropriate papers. However, the vendors bank sent a one sentence form letter in response to the the dispute ( attached ). They did not consult with their clientthey sent it without any knowledge of the circumstances and claimed that I kept the merchandise. The vendor and I agree this letter was false. I never received any merchandise. If you look at the letter it is blatantly a form letter with no substantive response to the dispute. If you look at capital ones response, their decision hinged 100 % on this form letter. The bank is not a US bank, and I suspect they are not required to follow any of the same rules to involve their client in the dispute process, or at least they seem to ignore any such requirements.
Based on that one sentence, inaccurate form letter, Capital One determined I lost the dispute and encouraged me to work directly with the vendor. I have done that. The vendor and I are in 100 % agreement that I should get the money back. ( One of the attachments in XXXX is the vendor writing to her bank in the same way I wrote to capital one. ) You are welcome to contact the vendor who supports me completely in this process. The problem is their bank ( XXXX XXXX XXXX ) also told them they lost the dispute, and the money was debited from their account. That same bank is now saying too much time has passed for them to look into it any further, even though I have been calling and writing about this issue the entire time.
As an aside, the dispute process was ridiculous. I submitted messages from the vendor agreeing that I should get the money ( We had already worked it out ), but the form letter from the bank caused me to lose. That makes no sense. Clearly XXXX XXXX XXXX has a policy of denying every dispute without following the steps to find out more information.
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09/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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I was scammed and I use a 3rd party to send money to an individual that did not provided a service. I open a dispute claim with Capital One around XX/XX/XXXX. Once I submitted my complain, they dismissed my claim because it was to old, it was past 60 days, however I made serval transaction to the individual who scammed my dating from XX/XX/XXXX to XX/XX/XXXX. I understood that some of the charges was to old, but the more recent meets the 60 days cutoff. However, they wanted to treat all transaction as one and base on the1st transaction of XX/XX/XXXX even though they were for different reasons to the same person who scammed me. They told me write a reconsideration letter to continue the investigation, so I did. They were not satisfied but wanted to see dates on the letter explaining the situation further. I did that and they were satisfied. Now they determine that the transaction were legitimate because XXXX, the 3rd party site I used to send money to the scammer, had a disclaimer that they are not responsible for scams or money lost and any person that sends assume all responsibility and not XXXX. I understood XXXX 's reasons, however Capital One used there reasons to justify my dispute claim as there own and unfortunately that is not okay. When I made my claim with Capital One, I made the claim against the individual who scammed me, XXXX XXXX. I understand XXXX disclaimer, but it does not justify Capital One responsibility to get the money back from the scammer but Capital One states that XXXX is responsible. They asked me to right another letter which I did and submitted on XX/XX/XXXX. However, they did not accept the reasons. So I called being very frustrated and they told me to write another letter but keep it simple and state that I never received the service. The letter describe my conversation with XXXX that XXXX wanted to settle for XXXX USD for all transactions, 5 with capital one and 1 with XXXX XXXX which were use as payment and XXXX being the XXXX party to send the funds to XXXX XXXX who scammed me. XXXX refuse to have a written settlement but told me to tell my bank and they can pursue it. Now, XXXX does not have any notes regarding this and capital one no longer wants to peruse XXXX Breach of Contract but told me to write a letter stating I never received any services from XXXX. This behavior is unacceptable and tedious. No bank wants to take responsibility or pursue making the person who scammed me responsible. I also open a claim with XXXX XXXX XXXX for one of the transaction and told them what is happening with Capital One and XXXX. I told them about the disclaimer with XXXX. XXXX XXXX also denied my claim stating the transaction was legitimate however I spoke with a representative and they told me something different from there letter which I receive on XX/XX/XXXX. There reason on the phone is that they settle with XXXX the XXXX USD and now it is between me, Capital One and XXXX to fix the rest of the transaction. However, that was not I wanted, I told XXXX XXXX that it was a possibility to go that route however, the scammer is the XXXX responsible. Regardless, now XXXX and Capital one is in breach of contract and XXXX XXXX is involve even though they use that settlement as a way to not take responsibility and letting me deal with Capital One and XXXX on my own. The amount in total is XXXX USD, 1 transaction with XXXX XXXX XXXX ( XXXX USD ), and XXXX transactions with Capital One with a remaining of XXXX USD.
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12/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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In XX/XX/XXXX I applied and was approved for a Capital One Platinum Secured MasterCard which kick started my Credit journey. 11 Statements later they had graduated my Secured card to a regular credit card. This happened this past XX/XX/XXXX. Now while I am grateful to Capital One for graduating the card as Unsecured. My profile has vastly improved since XX/XX/XXXX and have given 100 % of my business to Capital One. Upon graduation, I had asked them more than once to send me a copy of the new terms and conditions, so I can read any change to my existing terms and also inquired that now, since I have been graduated to a regular card, if I would be eligible to receive a limit increase. To which they stated yes, I am eligible, effective the date of my Graduation to unsecured. Ever since then, I have attempted to request for a limit increase, which they have continously denied due to the following denial reason : - A limit increase is not available upon request for this account at this time.
- Your card was recently unsecured Mind you, no language or any written policy was presented to me, specifying that changing the cards status from Secured to Unsecured would impede with my eligibility to receive nor qualify for a limit increases. I believe that with the excellent management of the account as well as all the payment and usage history I have given to Capital One, that I was in an EXCELLENT position to receive a limit increase. But I have so far, received over 20 denial letters from them, I have also reached out to their Executive resolutions department, and ALL of them could not answer a simple question. That if there was no written policy presented either as Terms for newly graduated cards or even an internal policy that indicates any card changing it 's status from Secured to Unsecured would have to wait for an X amount of days, months, years before they can be considered for a limit increase. NONE of those actually existed in all the written correspondence that I have received, nor are they on the Denial letters that I have received. One of the EO representatives who replied to my plea decided to send me ALL of my denial letters again in paper which was an insult and to me felt as if they were just taking it lightly, the fact that their procedures are not in place and none of them are actually aware of their own lending procedures is quite upsetting, considering that they have been my primary bank as well. But they could not care less about me. ALL they care about is the acquisition of new accounts to boost their new product line which is the XXXX card. I have attached a copy of both the terms and conditions page, as well as the Denial letter I have received most recently, feel free to peruse through them and you will see that the denial reasons are NOWHERE listed on either one, which to me is a violation to the Fair Lending act. I had held such high regard for them in the past, and was grateful to them and still is, but how and why would I continue to give business to a company, who could care less about me and wanting to increase my credit limit to give them more business. Their redirected FAQ page for limit increase, also does not provide any guideline or educational materials that would specify that my case is not eligible for an increase. There is simply no language whatsoever to inform card members like myself and it seems like they have no interest in changing their platforms. All they care about is new customer acquisition.
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08/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX our business received a letter from Capital One stating that there was information that needed to be updated and they requested us to call a specific # to take care of this issue. They gave a reference # that was supposed to be mentioned when calling. The letter also stated that if this wasn't taken care of before XX/XX/XXXX - our account would be placed on hold and 2 weeks later if not resolved - the account would be closed. I thought this letter was very impersonal but made the call. The first call I made - I was on hold waiting to talk to someone for over an hour and ended up hanging up. I made 2 additional calls and still never got through - each call I was on hold for long periods of time.
On XX/XX/XXXX I went to log onto my Capital One accounts ( we have 2 accounts ) and the accounts were gone from the online banking page. I later learned that they had been put on hold. I tried to call the number from the letter again and waited 1 hour and 57 minutes with no answer. I went to my local branch to see if they could help me and the local branch told me they couldn't help me and I would have to clear up this issue with the phone number listed in my letter. I finally got through to the number provided on the letter after 59 minutes of holding. The gentleman then asked me to verify basic information and asked if I was a signer on the account. I told him I was and he requested my current expiration date of my driver 's license and then told me that was all he needs. It took a few minutes and eventually my account was able to be accessed again and was on the online banking screen.
A few days later ( XX/XX/XXXX ), we realized that we had not been getting our regular deposits from our XXXX XXXX. Apparently, during this time of the account being on hold, all deposits were denied and sent back to the Merchant Service Provider. We contacted the XXXX XXXX XXXX ( XXXX ) and they informed us that we needed a letter from the bank stating the account was open and in good standings before they could send the deposits back through. I have called Capital One and sat at the branch for over 2 hours trying to get this letter so we can receive our money. The branch told me they can't write such a letter and called people in a higher position. They ended up telling me all they could do for me was have me download a letter from the online banking screen. That same day, Monday, XX/XX/XXXX I forwarded that to the XXXX XXXX XXXX. This letter was a form letter and wasn't signed. The XXXX XXXX XXXX rejected the letter and Capital One has told me they will not give me another letter. I am working with the XXXX XXXX XXXX trying to figure out a way to get the money released.
I am so frustrated and fed up with Capital One. When they put a hold on our accounts - we had almost XXXX XXXX dollars in the account. We tried to comply with them to call in and verify but to put a hold on our account for such a ridiculous reason and then not provide the information that we need to get the money deposited back into our account is very unprofessional. Again, if they needed to verify information - they had our phone number, address, email, many ways of communicating with us. And then if they did require a phone call - it's not appropriate to expect customers to wait over an hour on hold - or their account if frozen. Again, we are very good customers and have been for over 25 years. This is not an appropriate way to treat customers and very unprofessional.
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03/06/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
Older American |
In Early XX/XX/2018 I received Maturity Notices for 2 CDs and went to XXXX to check the current CD rates. The rate chart indicated 2.45 % APY for 5 years ( the term of my CDs ) and I decided to allow the CDs to rollover at maturity on XX/XX/2018.
XX/XX/2018 -I received Rollover confirmations of CDs showing rate of .60 % for 60 months.
XXXX -Called Capital One Customer Service : 1.-I spoke with a young lady that told me something I didn't understand about the different sections of Capital One and passed me to a different section.
2.-XXXX answered and very knowledgeably explained my CDs were grandfathered and the rates were different than what was shown online - they are '360 rates ' which was unclear to me and what that meant. He said he was going to put me on hold, talk to a supervisor with the hope of getting approval to cancel the rollover CDs, credit my Money Market account, and then re-issue with the advertised CD rate of 2.45 %. After somewhat of a hold he came back and said his supervisor said NO. I would have to take an early redemption penalty to get the advertised rate. I thanked him and asked to speak with a manager. ( now I'm 29 minutes into this call ).
3. -XXXX who told me she was 'part of management ' said I couldn't know her last name but offered her employee number, XXXX, said my CDs were part of the XXXX program XXXX therefore, the .60 % rate stands. I asked what XXXX is as I have never heard of the program. It means XXXX XXXX XXXX. She couldn't offer an explanation of what that really meant or why the rate would be so much lower. I thanked her, told her I wasn't satisfied and understood that she had only so much authority and asked to speak with someone else above her. At first she told me there was no one else higher than her that I could talk to, not one other person at Capital One, then, when pressed, acquiesced saying she could put in for a call back.
4.-In a couple of hours XXXX XXXX called. I went over the details with her and she said the letter ( maturity notice ) that I received said to CALL because Capital One KNOWS the rates on the website aren't what I would get ( NOTE : the website is listed at the bottom of the letter ). When I CALLED, the recording telling me I'd have a long wait directed me to www.capitalone.com. She repeated that I should have CALLED and there is nothing that can be done and no one else that can help me. I told her I have almost {>= $1,000,000} at Capital One and I feel as if I've been deceived, she said, " That's fine but the letter said you should CALL. '' I said, " So basically tough cookies. '' She said, " Yes! '' Thus this complaint.
I feel as if Capital One has used deceitful practices in showing their rates and have tricked me into two 5 year CDs at a rate that isn't anywhere near competitive. They are using corporate flim-flam to explain away using a secret rate chart for rollover CDs. How can Capital One expect a consumer to understand their inter-workings, the sections of their company, where rates are quoted, or the nuances of when I should CALL vs go online, especially when their customer service representatives ( and 'management ' ) can't explain it.
As an aside, today I called the number on the maturity notice and thought I would check the rates. I got an ACD Menu and eventually got an automated recital of exactly the same rates I saw online.
I have copies of the notices and screen shots of the online process to look at rates that can be provided if needed.
|
01/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
I RECEIVED A PACKAGE FROM CAPITAL ONE ON XXXX XXXX XXXX FOR BORROWER ASSISTANCE LOAN. I HAVE A HELOC LOAN THAT WOULD MATURE XX/XX/XXXX, SO I APPLIED FOR BORROWER ASSISTANCE BECAUSE MY HUSBAND HAS BEEN XXXX SINCE XXXX WITH XXXX XXXX AND THINGS HAVE CHANGED. ON XXXX XXXXXXXX I RECEIVED NOTIFICATION FROM CAPITAL ONE THAT THEY HAVE RECEIVED MY APPLICATION AND WOULD BE CALLING FOR FURTHER DOCUMENTATION. ON XXXX XXXX ALL DOCUMENTATION REQUESTED WAS FORWARDED OVER TO CAPITAL ONE. WOULD CALL CAPITAL ONE WEEKLY FOR UPDATES TO SEE IF ANY OTHER DOCUMENTATION WAS NEEDED. EVERYTIME I CALLED THEY WOULD SAY IT IS IN THE PROCESS. WHEN XXXX XXXX CAME AROUND AND RELIZED I COULD NOT PAY ON MY HELOC LOAN ANYMORE I CALLED THEM ASKING TO PAY AND THEY SAID I COULD NOT I WOULD HAVE TO PAY THE XXXXXXXX OUT IF ANYTHING. THEY KEPT TELLING ME DON'T WORRY YOUR LOAN IS IN REVIEW. I WAS VERY NERVOUSE AND CALLED DAILY AND WOULD GET THE SAME RESPONCE FROM THEM. IN THE BEGINNING OF XXXX CAPITAL ONE ANNOUNCES THEY WILL NO LONGER BE IN THE MORTGAGE/HOME LOAN BUSINESS AND WILL NOT ACCEPT ANY NEW APPLICATIONS. NUMEROUS EMPLOYEES IN XXXX TEXAS WILL BE LAID OFF. I CALLED AND ASKED ABOUT THIS WHEN I HEARD THIS NEWS. AGAIN I WAS TOLD I APPLIED BEFORE THIS ANNOUNCEMENT EVERYTHING SO I WAS OKAY. I STILL DID NOT KNOW IF I WAS APPROVED. CALLED EVERYDAY IN XXXX/XXXX. FINALLY ON XXXX XXXX I RECEIVED A CALL FROM A GENTLEMEN FROM CAPITAL ONE STATING HE KNEW HOW UPSET AND NERVOUS I WAS SO I COULD CALM DOWN HE GOT PERMISSION TO CALL ME AND TELL ME I WAS APPROVED FOR THE MODIFICATION. WHAT A RELIEF I THOUGHT AFTER 4 GRUELING MONTHS OF SENDING SAME PAPERWORK NUMEROUS TIMES/CALLING/REQUESTING CALL BACKS WITH NO PREVAIL. ON XXXX XXXX I RECEIVED MY LOAN ASSISTANCE EVALUATION. TO MY SURPRISE MY CHOICES WERE SHORT SALE/ OR 20 YEAR FIXED RATE LOAN AT 4.920% MONTHLY PRINCIPAL AND INTEREST XXXX PLUS ESCROW XXXX TOTAL MONTHLY PAYMENT XXXX FOR 240 MONTHS PAYMENT BEGINNING ON XX/XX/XXXX. PAPERS NEED TO BE NOTORIZED AND SENT BACK BY XX/XX/XXXX. THE FIRST SET OF PAPERS I RECEIVED HAD XXXX AND WRONG DATES SO I CALLED THEY RESENT THE PAPERS WITHOUT AN EXTENSION ON DEADLINE OF GETTING THEM NOTORIZED AND MY DECESION. I HAD NO CHOICE IT HAS BEEN 5 MONTHS KNOW WITH NO PAYMENT ON MY HELOC LOAN. THEY HAVE DOCUMENTED REASON FOR DECLINE OF ANY OTHER ASSISTANCE/EXTENSION TRIAL PROGRAM WAS BECAUSE OF MY INELIGIBLE LOAN TYPE (HELOC). THEY COULD NOT TELL ME THAT BACK IN XXXX WHEN THEY RECEIVED MY APPLICATION. MY LOAN NEVER CHANGED IT WAS ALWAYS A HELOC LOAN. AS YOU CAN IMAGINE I WAS VERY SICKENING AND DISAPPOINTED SO I REACHED OUT TO CAPITAL ONE NUMEROUS TIMES STATING MY CONCERN AGAIN WITH NO PREVAIL. FINALLY, I CALLED AND SPOKE WITH A REPRESENTATIVE WHO TOLD ME WHAT HAPPEN WAS WHEN CAPITAL ONE CHOSE NOT TO OFFER HOME LOANS/MORTGAGES ETC. IN BEGINNING OF XXXX THEY THEN CHANGED STIPULATIONS/RULES ETC. AND THAT IS WHAT HAPPEN. THAT IS THE ONLY THING OFFERED. NO ONE TOLD ME CONTACTED ME OR TO GIVE ME A CHANCE MAYBE TO LOOK FOR BETTER OPTIONS IN MY SITUATION. I REALLY BELIEVE THEY HELD UP EVERYTHING SO I WOULD BE STUCK AND HAVE NO CHOICE. I AM NOT THE ONLY VICTIM THERE IS MANY. I LOOKED ON THE INTERNET AND IT IS OVERFLOWING WITH COMPLAINTS ABOUT CAPITAL ONE/HOME LOANS MORTGAGE DEPARTMENT DURING THIS TIME. HOW CAN THIS BE LEGAL I AM NOT SURE. I SIGNED DOCUMENTS/NOTORIZED FOR THE XXXX A MONTH STARTING XXXX XXXX, XXXX. HAVING NO CHOICE. HOW DOES THIS HELP FINANCIALLY I HAVE NO CLUE.
|
03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
XX/XX/XXXX - I was reviewing my year-end statement while preparing for my tax return and I noticed a charge from XXXX on XX/XX/XXXX for {$930.00}. I have never rented a car with XXXX. I called the XXXX customer service number and asked them for a copy of the bill and explained the situation. The CS rep searched their records and couldnt find any transaction from me on XX/XX/XXXX. She then searched using my drivers license number and credit card number and found no transactions using both types of identification. She instructed me to contact my credit card company and file a dispute.
XX/XX/XXXX Called Capital One and filed a dispute. Case # XXXX XX/XX/XXXX Received letter via email from Capital One asking for additional information and credited my card back {$930.00}. I filled out the form but called them because there was no place to send back more information and I dont have a fax machine. I spoke with a representative who took the information over the phone.
XX/XX/XXXX Received letter via email from Capital One stating that they received my response but it lacked the previously requested information needed to validate my dispute. They put the {$930.00} back on my credit card and closed the case.
XX/XX/XXXX Called Capital One and spoke with XXXX ( in Dispute Department ) to find out why dispute was closed because I had given them the requested information. They verified that the information was in their system but the claim was denied because it wasnt considered a dispute, but a fraud case, and I would need to file a fraud claim. I was transferred to the fraud department. Filed fraud claim with Capital One. Case # XXXX.
XX/XX/XXXX Received letter via email from Capital One stating that they found insufficient evidence of fraud because : Activity on the account indicates that these transactions are valid.
XX/XX/XXXX I called XXXX customer service ( for the 2nd time ) to verify that they didnt have information about a rental in their system. I spoke with XXXX Employee # XXXX and she verified that they didnt have any information in their system that I rented a car in XXXX. She used Name, Drivers License and credit card number to search for a rental.
XX/XX/XXXX I called Capital One to find out why they deemed that the transaction was valid. I provided documentation from me, that showed that I had no car rental from XXXX in XX/XX/XXXX. She stated that she was going to re-open investigation, and I should be hearing from them soon.
XX/XX/XXXX - I called Capital One to get results of my appeal. I spoke to a customer service rep who told me that it was denied again because I didnt file a claim in the correct time frame. I said that I was going to file a claim with the Attorney General and she promptly said she was going to escalate this to her supervisor. I then spoke with XXXX, supervisor, employee # XXXX, she did some investigating and then got back on the line. She facilitated a 3-way call with XXXX while XXXX was conferenced on the line. XXXX told her the same thing that they told me the previous 2 times, that I have never rented from XXXX, they have no records of my credit card being used at XXXX and no record of my Drivers License number in their system. Capital One still denied my claim.
There is no way that I did not make this charge due to 2 facts : 1. XXXX has no record of a rental for me in XXXX.
2. I was in the XXXX XXXX on XX/XX/XXXX after being XXXX from XXXX I am including documentation of my XXXX and from XXXX.
|
03/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
On XX/XX/XXXX, I was notified by Capital One of a possible fraudulent charge on one of my credit cards ( I have 3 accounts with Capital One ) They left a message as I did not recognized the number when they called. I immediately checked my account online and did see a charge for {$42.00} that was not mine. I returned the call and notified them that there was a charge on my account ( spoke to XXXX ) that was not mine. In addition I notified them that a second charge of {$16.00} was listed as " FAST CARD ''. I questioned what that charge was for. XXXX advised that it was for a replacement of a lost/stolen card that was rushed out on XX/XX/XXXX. I explained I never notified them about a lost/stolen card. I asked where was this card sent. I was told it was send to XXXX Florida. I told the rep I was located in California. She further investigated and realized that my address had been changed to XXXX Florida and my email address has been changed as well. I asked her how this could happen. She said it looked like I was a victim of identity theft. and moving forward they would send a special code to my cell phone to confirm my identity. She also advised that she would change all of my accounts back to the correct address and email address and that new cards would be issued on the other accounts as well. So basically the scammer had my information on XX/XX/XXXX and requested a new card and Capital One sent them a new one ( RUSH ) and they started using the card on XX/XX/XXXX. The scammer also could see I was almost at my credit limit so they authorized another payment of {$200.00} from the previous payment on the account looking at the history. I realized this on XX/XX/XXXX when I tried to use my XXXX account and it was overdrawn. I called XXXX and reported the problem and they immediately reversed the charges and cancelled my card on that account. I called Capital One to also advise them of this {$200.00} payment being fraudulent. I also questioned the fact that the person I was talking to never asked me about sending a code to verify my identify because they told me the day before that it would be done every time I call in. The person had no idea what I was talking about. I was transferred to the Manager of Fraud and spoke with XXXX. She looked at the account and advised it was never done and she would fix it. In addition, I questioned the other 2 accounts as they were suppose to close those account and send me new cards ( which I had not received ). Well if you can believe this, the 2 new replacement cards were sent to the scammers address in XXXX Florida, after I was told all the address to my accounts were corrected. Now this is upsetting. Capital One not only allowed someone to access my information that was not me but also continued to arm them with additional information TWICE! First by sending them a card that was never reported lost or stolen by me and then by Giving them two new cards that they never had. The first scenario they were scammed, so I can understand that error but the second one is inexcusable. This is a GROSS NEGLECT of keeping my personal information protected and there are laws and fines for this. Now I have total exposure with my name and now my business because one of the accounts held a business name. This is causing me much stress and fear as to what will happen to my life in the future due to this further exposure. I have filed a legal report of identity theft and notified all credit bureaus of the problem.
|
02/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
This is reference XXXX that I was unable to retrive. Capital One responded to my CFPB complaint dated XX/XX/XXXX by a person named XXXX XXXX on behalf of Capital One. Capital One stated that : 1. no signed copy of an application to provide 2. That my personal information was verified thru a consumer credit file.
3. That the payment were made via a corporate account.
4. That this alleged has not been sold.
5. The alleged account was placed with a third party collection with XXXX XXXX and XXXX XXXX XXXX as a third party debt collectors.
6. Stated that Capital One is the legal owner of this alleged debt.
7, That Capital One is not required to sign an affidavit or certification of any responses to a consumer.
8. That Capital One did not receive a validation of debt from the consumer dated XX/XX/XXXX.
9. Capital One still declining to dismiss such collection charged against the consumer.
On XX/XX/XXXX, the consumer mailed Capital One in response to your statements listed above with a Certified Mail XXXX as per #.
1. So therefore Capital One has no signed application or contract to provide that there's an agreement between the lender and the consumer to determine terms of the alleged credit loan and the actual owner of this alleged loan.
2. Capital One has relied through a credit report file the personal information of the alleged consumer and has no personal knowledge to verify the dispute made by the consumer.
3. Capital One received and accepted from an alleged corporate account.
4. XXXX XXXX and XXXX XXXX XXXX were debt buyers debt collectors by their admission.
5/6. So, therefore when an alleged debt is transfer, assigned or sold such creditor is not consider a creditor now by law as per definition FDCPA. Capital One has lost it's interest and claim to such alleged debt.
7. Capital One is avoiding the pain and penalty of perjury for not signing and attesting their given statements.
8. Consumer attached said validation request sent on XX/XX/XXXX and the violation for not responding on XX/XX/XXXX addressed in XXXX Va and XXXX, VA office. And on XX/XX/XXXX, the consumer received a threatening Notice of Intent to File Sue and Incur Court Cost from an unsigned debt collector XXXX XXXX XXXX prior to properly validating and verifying such alleged debt as demanded by the consumer.
9. Consumer also demanded Capital One a verification if such bad and useless debt after charging off such debt did not report to the IRS such deduction within the same year as per 26 US Code section 166 ( Bad Debt and Wholly worthless debt allowed to be deducted within the taxable year.
Lastly, the consumer demanding again Capital One to dismiss such allegations. The consumer has been suffering from XXXX XXXX and suffering through this ordeal and been harmed in regards to obtaining credit, rental application and anything regarding with a credit score. Capital One is not the creditor and has right and claim to collect such an alleged debt.
Consumer is asking CFPB to step in and instruct Capital One to any future damages this alleged debt is concern.
The consumer will subpoena XXXX XXXX to be a witness and to provide all documentations necessary for the coming hearing in a few days XX/XX/XXXX.
The consumer will not contact a debt collector as Capital One instruction. Capital One has not provided the consumer a valid complaint signed by their representative to retain XXXX XXXX XXXX a debt collector as their attorney representing them in court.
|
08/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
XXXX - Applied for Cabela 's store credit card not realizing it was a Capital One major credit card. I did not want a major credit card so I figured I'd pay the balance in full and destroy the card.
XXXX - Still did not receive a statement for this card. Per the paperwork, I went to Cabela 's website to try to enter my information hoping the account would come up and I could pay it off. It did not recognize my information.
XXXX- Finally received my first statement, registered at Cabela 's website per the directions and paid the balance in full of {$420.00}.
XXXX- Received a call from Capital One informing me that there was an additional charge of {$3.00} on my account and since I did not pay it I was charged with late fees totaling {$57.00}. I was told they would remove one late fee. I told them this was unacceptable as I thought my account was settled when I paid the balance in full and I was not going to be penalized for paying my balance in full. They offered to remove one late fee. I agreed to that late fee being removed and requested that they remove the other late fee and the additional charge. They refused. They did not explain how I could have two late fees in one month since my pay off was on XX/XX/XXXX.
I feel their entire process is deceptive. First, it took them a prolonged period of time, 2 months to just send my first statement all the while collecting interest on this balance. I was diligent in collecting my mail and watching for this statement, as I wanted to pay this balance in full and destroy this card. When I received my statement I registered at Cabelas website to set up my account and I paid the balance in full. If there was a difference in the pay off balance vs balance due it should be an option for their online payment. I have seen that option before with other creditors and feel Capital Ones purposeful absence of this option or at least an absence of a prompt to call for a payoff amount when applying the full balance to a payment is deceiving. If someone is paying online they should not have to call for a payoff amount. It should be an option, otherwise it defeats the entire purpose of online payments. There is no prompt that recognizes when someone is making a payment of the full balance to inform consumers that they have to call because the payoff amount is different. There is literally nothing to tell a person they will be charged additionally after the fact. This is a deceptive practice. Capital One is depending on their customers to pay their balance in full falsely believing the account is settled. Then their customers are unaware of this additional charge and get penalized by late charges. If they dont pay this additional charge and late charge then Capital One can ruin their credit. This is the definition of extortion.
Capital One prolongs delivering their statement in order to build interest. Capital One has the ability to provide a pay off amount for their online payment options yet they choose not to incorporate this option in turn defrauding and extorting their customers by placing late charges on their customers accounts. If their customers do not pay then their credit is in jeopardy. This is fraudulent, deceptive and extortion.
Capital one is charging me {$57.00} for literally paying my balance in full. I will not be deceived, defrauded or extorted by this company. I expect these charges to be waved in full. As a consumer, I should not be penalized for paying my balance in full.
|
08/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I am a self-employed, sole proprietor. I own a XXXX XXXX, legal business name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was approved for a SBA EIDL Loan last year for {$100000.00} and at that time I only had a personal checking account which the funds were deposited into. I received a second an SBA EIDL Loan disbursement on XX/XX/XXXX in the amount {$300000.00} which was an increase approved by the SBA based on my XXXX Tax returns. I went to Capital One Bank at my local branch to move the money to my business account and the teller reported the withdrawal as fraud. The fraud department said that they were unable to verify my business with the Department of State in Pennsylvania where I originally started the business in XXXX. I sent the fraud department my IRS tax returns transcripts with my schedule C and copies of my IRS EIN paperwork from XXXX in addition to my DOT and MC Certificate from XXXX and I also sent my IRS payments for my Heavy Use Taxes that I pay on a yearly bases that not only shows my EIN XXXX, Name, Business name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and address. I was then told that they don't have a timeline as to when they will review these documents and when the funds will be released. So now my wife is unable to withdraw any funds or pay any bills for our home and XXXX children. And I am unable to transfer the money to our XXXX XXXX XXXX XXXXXXXX Account. We didn't change the banking information on the loan because we had already been waiting several months for approval and didn't want to pro-long the process. We also didn't have a problem transferring the money before when we go the {$100000.00} loan. We have proof that we are a legitimate business because we had to submit a XXXX to the SBA to verify our XXXX tax returns Schedule C to be approved. We submitted the proper document and now they have no timeline whatsoever as to when our funds will be released. We called and spoke with XXXX and she transferred us to a supervisor named XXXX. XXXX was the first supervisor to tell us that there is no timeline as to how long the investigation might take. XXXX told that once we sent the information to XXXX with our customer number XXXX and then we should call back to confirm the receipt of that information. We sent XXXX IRS tax transcripts, XXXX IRS tax transcripts, Original EIN assignment documentation, IRS XXXX payment vouchers from XXXX, XXXX, XXXX, our SBA signed loan agreement, SBA loan Modification Letter, MC Certificate, and our proof of Business Insurance. We called per XXXX 's suggestion to verify receipt. We then were transferred to a member of the management team by the name of XXXX. XXXX advised that there is no timeline as to when this will be reviewed or resolved and was unable to verify receipt of documentation because it would take another 2-3 business days for them to apply the documentation to our customer account and that a case had not yet been opened for our complaint. We need help. Our livelihood is in limbo because Capital One has frozen funding that we already had to verify with the SBA and submit legitimate tax returns sent directly from the IRS, now we have no money to pay company bills, salaries, pay for our equipment. We are at risk of having to file bankruptcy and lose everything and they think this is a joke. We need help. Someone needs to streamline this verification process and at least create a timeline as to how soon they will assign and review documentation.
|
01/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
XXXX, my husband purchased a XXXX Jeep Patriot from a local dealership in our area, using his truck as a trade-in towards the purchase and took possession of the new vehicle. After having the Jeep for almost two weeks, the Sales Manager of the dealership called my husband with a " small glitch '' with the financing. At the time, my husband was receiving a small income from the SSA due to his XXXX. We both went to the dealership where we were told that he did n't have enough income for any of their lenders to finance his loan for approximately {$16000.00}. The Sales Manager insisted that we apply as co-applicants since I had stable employment and this would provide a better demonstration of being able to afford the vehicle with the combined incomes. Due to exhaustive medical bills after my husband 's XXXX, I knew my credit would have a negative impact on the application, and my husband and I requested to cancel the entire purchase - relinquishing the Jeep and asked for his truck back. At that time, we were informed the dealership had sold his truck and that we were essentially stuck with the Jeep despite not yet having a lender willing to " buy the paper. '' The Sales Manager " finally convinced '' Capital One Auto Finance to fund the purchase and it only increased our payment " a little bit '' -- bringing the payment to {$480.00} per month. He produced a new sales contract and specifically instructed us to date the contract for the original date of purchase ... two weeks prior ... which invalidated and denied us with our right to a 3-day period to change our minds as buyers. XX/XX/XXXX, my husband and I were victims of a bank compromise wherein our bank account was immediately depleted of any and all funds deposited. This caused our first payment to CAPONE to bounce, and we immediately made arrangements to cure the issue. For 3 months, we made XXXX payments each month. Over 3 years later, CAPONE is still reporting us to be 180 days in arrears, destroying any attempt to rebuild our credit while juggling ongoing medical expenses and financial hardships. CAPONE repeatedly called us while my husband was in hospital, after XXXX, while in XXXX, and even when he was XXXX. We have paid late, but have paid EVERY month since being conned into what we recently found out was a lose-lose, never-ending predatory loan. CAPONE has informed us that the type of loan set up was not designed to be paid off and if it ever is, we will have paid almost 3 times the value of the vehicle over the course of the loan. We have requested to have the loan refinanced, to which CAPONE stated they do not refinance their loans. When attempting to refinance with local lenders, they have informed us that we are in a predatory loan and that due to the majority of all our payments going towards CAPONE interest revenue, very little of our payments have gone towards the principal value of the Jeep, and therefore they are unable to help us. This type of action is derelict on the part of a financial institution and not within compliance of the federal regulations in place to protect consumers ' interests. One agent with CAPONE even acknowledged that their business is aware of the faulty lending practices from the dealership but said their hands are tied and we are essentially stuck with the vehicle, the huge payment and the irreparable damage to our credit as we struggled to meet our obligation ... and then asked when she could set up our next payment for processing.
|
10/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
I must submit this complaint to the Consumer Financial Protection Bureau ( CFPB ) to get answers as Capital One for the past 284 days has repeatedly failed to provide an explanation for failure to acknowledge a criminal investigation. I am in the process of a preliminary investigation of discovery seeking legal clarification for Capital One Corporation actions.
The Federal Deposit Insurance Corporation ( FDIC ) is the supervising entity of Capital One. I have recently filed a complaint with the Federal Trade Commission against the FDIC for their alleged malfeasance in the supervision of Capital One and others. Capital One and the FDIC may want to take note of the following quote by XXXX XXXX XXXX who does not bello the truth when he knows of the truth makes himself the accomplice of liars and forgers.
WHEREAS it is alleged : 1. ) Capital One has never acknowledged the XXXX County Sheriffs Office ( XXXX ) criminal investigation or XXXX XXXX District Attorney criminal investigation when investigations were repeatedly brought to their attention. 2. ) Capital One has repeatedly chosen to ignore my request requiring Fraud Investigators to acknowledge the criminal investigation in any correspondence by referencing the XXXX Criminal Case Number. 3. ) Capital One has not in any of their correspondence referenced my Federal Trade Commission Identity Theft Report case number. 4. ) Capital One has never in any of their correspondence provide any reasons for not acknowledging the XXXX or FTC case numbers. 5. ) Capital One with alleged malice and intent assisted the alleged perpetrator to avoid arrest, prosecution, by concealing information from investigative authorities and myself.
Capital One Credit Card Services as when I had reported Identity Theft/Fraud involving complaints and inquiries for two credit card accounts ending in XXXX previously known as account ending in XXXX and XXXX previously known as account ending in XXXX. Capital One has never acknowledge for the past 284 days or offered any explanation for their refusal to acknowledge the XXXX County Sheriffs Office ( XXXX ) or the XXXX County District Attorney ( XXXX ) criminal investigation. In each of my correspondences addressed to Capital One I had requested each acknowledge the XXXX County Sheriffs Office Criminal Case Number XXXX. My correspondences were either sent by certified registered receipt and/or facsimile. Capital One by its actions and failures has disrespected me and law enforcement. Capital One is accused and represented by their actions have refused to simply acknowledge the efforts of law enforcement has actively hinder and hamper a criminal investigation preventing the arrested of the accused perpetrator. Furthermore, Capital One alleged actions are socially reprehensible for refusing to provide the simple business curtsey of acknowledgement of an active criminal investigation.
Capital One and its employees through this complaint process are reminded that each person may be held criminally accountable for accessory after the fact under California Law, California Penal Code PC32 Accessory. Every person who, after a felony has been committed, harbors, conceals or aids a principal in such felony, with the intent that said principal may avoid or escape from arrest, trial, conviction or punishment, having knowledge that said principal has committed such felony or has been charged with such felony or convicted thereof, is an accessory to such felony.
|
01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
On XX/XX/XXXX I logged into my account for the first time in the last few months and noticed that one of three my accounts with Capital One ending XXXX was past due. I was quite surprised to find it out knowing that it was enrolled into autopay. I called the customer service. Customer service specialist explained to me that at the moment of enrolling in autopay I chose an option of paying a fixed amount of {$150.00} ( which was twice exceeding a minimum payment at that moment ). However, in XX/XX/XXXX, the balance transfer offer ended and I started paying an interest, which resulted in a minimum payment exceeding a chosen autopay payment of {$150.00} and acquiring late fees. I expressed understanding of the situation and asked representative whether I was informed about the changes and the account was behind not meeting minimum payment requirements and accumulating late fees and interest. Representative affirmed me that since I was enrolled in paperless statements, I was informed about all these things ( late fees, missing minimum required payments, interest charges ) via email. Upon this statement from Capital One representative, I went to my email boxes and checked all mail whether it was inbox, trash or spam. I was not able to locate a single email from capital one excluding the one from XX/XX/XXXX when I was sent a transcription of chatting with an agent via the website messages.
I explained to Capital One representative that I never received emails and she put me on hold and after 15 minutes of waiting got back with me confirming that I was not, in fact, receiving emails. She explained that emails could not be sent to the email ( XXXX ) that was chosen as primary and the best she could do was reversing last payment for late fees for {$40.00}.
I disagree with an offered solution. I consider an inability ( if there was any, since I received emails from Capital One with transcription of chatting on the website with an agent ) of sending paperless statements and warnings of the account status as a trap maliciously designed for customers like me. Who have great credit score, pay on time and who have multiple accounts, so they can not track all transactions and, thus, rely on autopay. We could say that this situation did not have a malicious intent and emails were not sent by mistake, error, some weired system glitch. However, the further assistance in resolving the issue clearly shows that it was not the case.
Since Capital One failed to inform me and did not put any effort of contacting me to inform me about the increasing minimum payments, past due fees resulting from the fact that the autopayments were set up at lower amount than the minimum payments and interest charges, I request to return back to the point before all these fees started to accumulate and refund me all money charged for interest and late fees since all of these happened due to Capital One failure to provide me with monthly paperless statements, failure to contact me over the phone, failure to contact me over mail. I already paid out the credit card balance in full and request a refund for the following transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Dear Capital One Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter.
I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress.
II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery.
III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain.
IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation.
V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges.
VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing.
VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required.
VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health.
I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention.
Thank you for your immediate attention to this matter.
Sincerely, account holder
|
11/10/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
On XX/XX/2020, I opened a Capital One 360 Savings Account using the promo code XXXX. After making the Capital One 360 Savings account on XX/XX/XXXX, I initiated the transfer of {$50000.00} ( to earn a {$500.00} bonus ) from my XXXX XXXX XXXX account.
The promotional email terms stated, " 2. Deposit a total of {$10000.00} {$50000.00} or more of new money from an external bank ( transfers between Capital One accounts will not qualify ) within the first 10 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained a daily balance of {$10000.00} or more for 90 days following the Initial Funding Period. Your bonus will be calculated as follows : an account with a daily balance between {$10000.00} {$19000.00} will earn {$100.00} ; {$20000.00} {$29000.00} will earn {$200.00} ; {$30000.00} {$39000.00} will earn {$300.00}, {$40000.00} {$49000.00} will earn {$400.00} ; balances of {$50000.00} or more will earn {$500.00}. If at any time during the 90 days following the Initial Funding Period your daily balances drop into a lower balance tier, you will be rewarded that tier 's cash bonus. If your daily balance decreases to an amount less than {$10000.00}, you will not qualify for a cash bonus. '' While the money was no longer in my XXXX XXXX XXXX account, Capital One did not allow the transfer to automatically go through to the new Capital One account and did not notify me of this or of any possible issues. I continued to monitor my new account and after just over 10 days ( the time by which it had to be in the new account ), I called to ask where my money was. I didn't call before then because I was convinced that it would soon be showing up in my account ( within the 10 days ) because it was out of my XXXX XXXX XXXX account, and I was not notified of any issues by Capital One. Their response was that I had not " confirmed '' the transfer, so it did not go through. I have never heard of having to " confirm '' a transfer to a bank that I am transferring money to, and it did not prompt me to " confirm '' the transfer at any point via email or on my online account. It is their responsibility to notify me if there was an issue on their end getting the money into my new account from my previous account. The issues were on their end, not on XXXX XXXX XXXX 's end. After speaking with them on the phone and " confirming '' the transfer, I thought the issue was resolved as the money showed up in my new account. However, since it was after 10 days, they later said ( after I had already kept my money in the account for over 90 days, and transferring even more ) that I would not be eligible to receive the bonus. They did not tell this to me on the phone when " confirming '' the transfer, or at any other point before keeping my money in the account for over 90 days. I called to fight this issue twice more, and received negative emails about their " investigations '' regarding my situation on XX/XX/XXXX and XX/XX/XXXX.
I feel that they purposely did not automatically allow my transfer to go through in order to not grant me the bonus that I am entitled to. As evidence of this, I initiated two other transfers in the spring ( after I had to " confirm '' that first transfer ) and was never asked to " confirm '' either of those other transfers by Capital One. In both of those cases, the transfers went through automatically without any confirmation needed, just as it should have gone through the first time.
|
07/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
In XX/XX/XXXX, I filed a complaint with the CFPB, Complaint # XXXX, which highlighted an issue with Capital One 's payment qualification system. I received a follow-up call from a Capital One officer on XX/XX/XXXX. At the initial onset of the phone call, the officer stated : " This call is being recorded for institutional purposes. '' I responded that I was also recording the phone call for my records. The Capital One officer said that recording a mutual business phone call was against their policy and that she had to cut the call short.
I instructed her to please provide visual evidence that you are in fact providing me with accurate policy descriptions. I asked her where I was able to access her stated policy information. Was I able to access information through their website? The Capital One officer stated the policy was not displayed on their website. I asked her to provide me with a link, or a document that shows such a policy, and she offered no recourse. The question that emerges from out exchange is : Why would a large financial institution like Capital One deny its entitled privilege to a smaller party, and also why would such information not be displayed if its importance would disrupt the resolving of a dispute between two COEQUAL parties?
I further put the Capital One ad-hoc policy to question by commenting on the availability of information. Given the information that emerged through the situational context, it seemed wholly unreasonable for a client of Capital One to be able to print out a transcript of a chat with an online agent, but not be able to record mutual business conversations with a financial institution. A previously printed-out online transcript was mentioned- a XX/XX/2018 online chat with an agent, XXXX XXXX , was an informational document that I printed out. The Capital One officer said that she previously perused the document, and used it to gather information concerning my case.
Taking this into account, I write to CFPB to complain about the inability to record conversations because it denies the client ( me ) with the ability to access important information in the future. The Capital One officer said that in order to access our XX/XX/XXXX phone conversation from Capital One would require a subpoena, which facilitates two states. The first state is creating an informational imbalance between the institution and the person. Secondly, the need to access mutually shared institution-client information is blocked by the larger party. Both states perpetuate economic discrimination because having access to an attorney shouldn't be necessary to access banking information when resolving a dispute. Additionally, in order to resolve the dispute in an equitable fashion, access to information is a primary necessity.
Furthermore, I bring to the CFPB 's attention that Capital One grants its clients with access to information at the initial stage of the dispute, but shields information during the steps towards arriving at a resolution. Such practices by large financial institutions concerning the open-sourcing of information creates an un-even playing field on the consumer side of banking by denying clients open access to information. As a result of my inability to " comply '' with Capital One 's 'no recording policy ' the resolutive process engaged by Capital One exists in a state of impasse, which offers me no speedy resolution to my issue with my prior complaint concerning Capital One 's policies.
|
11/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
For several years, ending with a transaction on XX/XX/XXXX, I used my Capital One 360 checking account to pay a monthly condominium fee. I always did this the same way, using their online P2P service. It was recently discovered that ten of these payments, though they were debited from my account, were never posted to the intended receiving account. During this period, when I logged into my online account, the activity list and the statements indicated no problem with the transactions. After several requests over the past several weeks for help from the Capital One claims department, they provided me with the list of trace numbers I have included at the end of this message. I did meet with the branch manager of the intended receiving bank ( XXXX XXXX, XXXX XXXX XXXX, XXXX, MA ) as instructed above the trace number list. He sent me back to Capital One, saying he could not use their trace numbers to discover where the missing funds went, but that Capital One should be able to. After six or seven calls to Capital One claims, I was finally able to talk to a claims manager, who instructed me to call XXXX ( aka XXXX ). The automated message at the XXXX phone number says to call my bank. It is not possible to talk to a person. I filed a claim on the XXXX web site and was given a claim # ( XXXX ). XXXX 's response to the claim was that they could not access any information regarding the transactions and that I should go back to my bank. At the bottom of the trace number list, there is contact information to use to access additional documents Capital One may have used in my claim. I called the phone number and was disconnected. I will be submitting a written request tomorrow. I have done some research about how XXXX works, and have not been able to understand why the funds started to go missing with the transaction on XX/XX/XXXX, when the previous transactions worked fine, or why, if there was something not working properly with the transaction, why the funds were not simply put back into my account, rather than sent somewhere that neither Capital One nor XXXX can enlighten me about. Thank you for your attention.
Here is the message from Capital One I received via secure messaging : ( from Capital One on XX/XX/XXXX ) Dear XXXX, Here 's the info you need so XXXX XXXX can locate the Person2Person Payment at their bank : Trace Number : XXXX Date Sent : XX/XX/XXXX ( this is a typo on Capital Ones part. Year should be XXXX. XXXX ) Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} Trace Number : XXXX Date Sent : XX/XX/XXXX Amount : {$170.00} If you have questions or would like copies of the documents we used, please have your identifying information or account number ready, and get in touch with us by - Calling the 360 Sales Center at XXXX - Faxing XXXX - Mailing your request to Capital One Claims Processing Center, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX If you need anything else, give us a shout at XXXX from XXXX XXXX to XXXX XXXX, 7 days a week.
Thanks, Capital One?
|
01/31/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
I have an auto loan with Capital One Auto finance in my name from XXXX of XXXX. My wife later took out a vehicle loan in her name with Capital One Auto Finance in XXXX of XX/XX/XXXX.I made payments by calling in and paying with my debit card, however I decided to start sending in Money orders because there is an extra charge to call in and make a payment ( about $ XXXX {$7.00} ). I would send in my monthly payment on time and my wife did the same. After several months of making payments by money order my wife received a letter that prompted her to contact Capital One Finance. The letter stated that she had over paid on her auto loan. Once my wife called, the customer service representative and my wife realized that all of my money orders were being credited to my wife 's account and not mine. The representative moved the payments to my account and assured her that it would not reflect negatively on my credit and that there was not a payment due until the following month. I do not recall the exact day that this occurred but the customer service representatives have confirmed that several payments were credited but refused to tell me the exact date ( which is concerning to me ). In XXXX, after continuing to make all payments on time after the money order mishap I received a call from a repossession company saying that my vehicle was up for repossession. I contacted Capital One Finance and they told me that I owed a payment that was due a year earlier. I never received anything in the mail about a past due payment or possible repossession. At first I believed that the customer representative did not clear every payment I sent in for my account. However, my wife contacted Capital One and requested a payment history report for her account ( her account was paid off in XXXX of XXXX ). When speaking to the customer service representative they realized XXXX payments were posted to my wife 's account that were money orders and should have been posted to my account. I will include a copy of those transactions from the payment history report. The money order was posted to my wife 's account without our knowledge. Since I did not have this knowledge and was afraid of having my vehicle repossessed I did pay what they asked and again have continued to make on time payments. I made sure that my account number, name and last XXXX of my ss were on all money orders as soon as I realized that my payments were being posted to my wife 's account the first time. I have confirmed with representatives that what I am saying actually happened, however they say they ca n't do anything that deals with credit. I have disputed several times through the credit bureaus, made a disputed twice through capital one and received a letter stating that the informant on my report is correct.. I am needing this fixed now because I have been approved for a mortgage if I can get this aacount cleared up and reporting the correct information. Currently, my XXXX credit report reflects late payments of XXXX and 90 days between XXXX XXXX and XXXX XXXX and a chargoff. This is all incorrect and it seems that Capital One has disregarded all of my good faith efforts to give them the opportunity to make this right. I need my mortgage loan and this incorrect information is the only thing between me getting my loan. Please help me have this incorrect information deleted from all three credit bureaus, as I am being made to suffer for a mistake that I had no control over.
|
11/16/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
On XXXX XXXX, XXXX Capital One sent me a letter notifying me that my credit card account is closing. The letter states : " It 's been over five years since you 've used your credit card account ending in XXXX. As a result, your account has been restricted as of XXXX XXXX, XXXX, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be unrestricted prior to closure or reopened once it is closed. '' I attempted to contact Capital One on XXXX/XXXX/XXXX to inquire about stopping the closure of my credit card account. I was advised the card was already in the closing process and that nothing could be done. I spoke with " XXXX '' whom assisted me with cashing in the XXXX miles I had accrued previously with Capital One. I inquired about this policy, as I have been a member of Capital One for over 15 years, and that at no other point in time was I ever made aware of a policy that I must use the credit card in any specific frequency in order to avoid closure of the account. In fact, according to XXXX, I believe the card has not been used in approximately 8 years. This by itself did not mean that I did not wish to continue to have the account or have access to available credit if needed, or that I never intended to use the card again.
I have been able to manage my accounts to avoid the need to rely on credit on a regular basis and feel that I am being punished for doing so, and not allowing Capital One to attempt to make money at my expense via credit card interest or fees. I am being punished because this is one of my oldest active credit accounts, which I maintain very few of, as I understand the mechanics of how credit / credit scores work. Age/length of account, percentage of available credit utilized, and number of active accounts are factors I have taken into consideration to maintain my credit score, and have selectively kept Capital One because of this. Due to the actions of Capital One without my consent, or notification prior to, my credit score will ultimately be negatively effected which could potentially increase my interest rates or ability to access credit in the future. I reiterate that Capital One never gave me any prior notification that I was required to make charges to maintain my account, and that it could be potentially closed for inactivity. Based on my history with Capital One and my inactivity, I never expected this to be a factor that could potentially have my account closed. Had I been made aware of this potential closure and the negative impact it could cause me, I would have made a purchase to avoid inactivity, and thus been able to avoid the account closure due to this reason, and avoid the negative impact it will cause me. According to XXXX, my account was in good standing, and had been so for a long period of time. I understand Capital One has the authority to close my account based on changes in my standing / credit status, but it appears that they could potentially cause this with my other accounts simply because they were not making any income from my activities or lack thereof. Due to the nature of how this impacts my credit score and other accounts, I feel that I should have received some notification in advance that Capital One planned to close my account, prior to actually closing it, so that I had an opportunity to take corrective action to avoid the negative impact they are thus imposing on me.
|
07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).
I am a consumer as that term is defined by the FDCPA and RFDCPA.
XXXX XXXX XXXX is a debt collector as that term is defined by 15 USC 1692a ( 6 ).
XXXX XXXX XXXX is a debt buyer based in the XXXX XXXX XXXXXXXX, XXXX of Virginia.
I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of your company XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1692a ( e ) and make you aware that you have invaded my individual privacy under 15 USC 1692a.
Within the last year, XXXX XXXX XXXX attempted to collect an alleged consumer debt from me.
On or around XX/XX/2021, XXXX XXXX XXXX created and mailed a letter XXXX Exhibit A ) stating that I owe a debt to my abode.
XXXX XXXX XXXX never obtained my direct consent to contact me or communicate with me at any time, but I received their communication via mail, which is a violation of 15 USC 1692c ( a ).
XXXX XXXX XXXX committed identity theft as defined by the FCRA, 15 USC 1681a ( q ) ( 3 ), when they acquired and used my identifying information without my direct consent to mail me Exhibit A.
XXXX XXXX XXXX violated 15 USC 1692c ( a ) ( 1 ) by sending Exhibit A at an unusual and inconvenient time.
XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when XXXX XXXX XXXX used their logo in the contents of Exhibit A.
XXXX XXXX XXXX violated 15 USC 1692d of the FDCPA by engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, when XXXX XXXX XXXX stated that their company works with people to resolve their debts. We would love to do the same for YOU.
XXXX XXXX XXXX violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when XXXX XXXX XXXX demanded immediate payment from me.
XXXX XXXX XXXX violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when XXXX XXXX XXXX falsely represented the alleged debt, when XXXX XXXX XXXX stated that I have a positive balance of {$630.00}.
XXXX XXXX XXXX violated 15 USC 1692g ( a ) of the FDCPA by failing to send me a written notice that contained all 5 of the requirements under 15 USC 1692g ( a ) ( 1-5 ).
On XX/XX/2021, I received Exhibit B-G in the mail from XXXX XXXX XXXX.
XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when the contents of the communication from XXXX XXXX XXXX contained the Capital One symbol.
XXXX XXXX XXXX violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when XXXX XXXX XXXX engaged in the foregoing conduct.
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12/21/2015 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
This complaint pertains to the direct mail marketing practices of Capital One. Although under the Constitution companies and individuals have the right to free speech, i.e., the right to solicit consumers, solicitation of financial products including those containing partially completed applications and especially if " pre-approved '' can in today 's world cause harm if they fall into the wrong hands as well as place a burden on the recipient with respect to their proper destruction. As a result, they are not the same as the weekly ad that comes from the supermarket.
On XXXX/XXXX/XXXX I sent a " permanent '' " Opt-out '' form from the XXXX XXXX XXXX to the XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The form was honored in a timely fashion by XXXX and XXXX. Experian conveniently ignored this request until I filed a complaint through the Consumer Financial Protection Bureau earlier this year.
Since the beginning of XXXX I have been receiving unsolicited offers of credit from Capital One for their XXXX Rewards and XXXX Rewards cards sometimes on almost a monthly basis ; scans of the front of the envelopes for XXXX of these are attached ( CapitalOneXXXX ). Most of these offers have been addressed to my legal name but recently a " fictional '' name has been used either separately or in parallel with my real name so that sometimes XXXX offers a month are received. This " fictional '' name uses the initials of my Middle and Last Name and my First Name as my Last Name, i.e. Middle Initial/Last Name Initial/First Name as Last Name. Nowhere does that name appear on any of my credit reports ; I have NEVER used that name for any purpose or granted anyone permission to use that name with any of my personal information for any purpose. I would hope that use of that name would NOT allow a person to gain XXXX clearance, apply for insurance, get an XXXX refund etc. when used in conjunction with my address let alone obtain credit. If this name is that of a " real '' person THEY DO NOT RESIDE AT MY ADDRESS and THE USE OF THIS NAME MAY BE PART OF AN IDENTITY THEFT.
Having recently reported an Identity Theft to both the FTC and the Sheriff there could be someone who has created this " fictional '' person and is using my address for nefarious purposes. The so-called " Identity Protection '' company XXXX has also sent solicitation by mail to my address using this name. Based on previous experience I know that Capital One 's unsolicited offers will continue unabated month after mind-numbing month for many years to come.
If a person has not responded after XXXX or XXXX offers, why would they respond after XXXX, XXXX, XXXX or more? I do not exaggerate when I state these numbers of offers.
Prior to the financial crisis of XXXX I was also relentlessly marketed by Capital One, including offers for " XXXX '' branded credit cards ostensibly based on the spelling of my last name and their guess as to my heritage. While there is no law against this type of grotesque and to some people possibly offensive ethnically-based marketing, the long-term tactics that Capital One has used are deeply troubling and over the many years have the effect of " stalking '' given their sometimes deeply personal nature and relentless regularity.
I 've seen Capital One 's ads on TV. If I want a credit card I will research it and apply as I see fit. Based on Capital One 's behavior I would not do business with them and have NEVER responded to any of their offers.
|
05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
On XX/XX/22, I purchased an XXXX XXXX for {$960.00} with my Capital One XXXX Business card ending in XXXX. Capital One Bank offers XXXX XXXX Benefits for this card. It gives cardholders a refund for the difference in price if an item they bought with that card is available for a lower cost than what they paid for it. I called Capital One Bank and I was told that my purchase is covered by the XXXX XXXX XXXX. Capital One Bank retained Card Benefit Services to review my claim and pay me Price Protection Benefits.
On XX/XX/22, I submitted a claim ( Nr. XXXX ). In my case, I requested a refund of {$230.00} representing the difference between the price I paid, {$960.00}, and the lower advertised price of XXXX. I submitted my claim through the XXXX XXXX XXXX website XXXX
On XX/XX/22, XXXX XXXX XXXX requested additional information, more specifically : An eligible advertisement containing the sale date for your claimed product I immediately provided what was requested. On XX/XX/22, I received a phone call from XXXX XXXX XXXX requesting new additional information concerning the color of the purchased and the color of advertised product. I complied again. On XX/XX/22, XXXX XXXX XXXX requested me to call and explain where exactly in my provided advertisement the color of the claimed product stated. I complied again and submitted additional information showing that the color of the product I purchased was available from the advertised merchant. On XX/XX/22, XXXX XXXX XXXX denied my claim stating that the advertisement that you provided does not qualify as an eligible advertisement for the product that you are claiming. Only items Advertised by authorized dealers in the United States apply. Advertised or Advertisements means an Advertisement printed in a newspaper, XXXX, magazine, or flyer or items Advertised on a non-Auction internet site, distributed in the United States to the general public and placed by a manufacturer or authorized dealer of the consumer product in the United States. The advertisement I submitted is from a legitimate merchant in the United States that open to general public. On XX/XX/22, I filed a request for reevaluation as provided by the XXXX XXXX XXXX procedures. All my further communication with the XXXX XXXX XXXX has gone unanswered. I called them on numerous occasions. On XX/XX/22, XXXX, a supervisor employed by XXXX XXXX XXXX made a bigoted and hateful statements before he hung up on me.
I feel strongly that I was defrauded by Card Benefit Services retained by Capital One Bank. XXXX XXXX XXXX never reviewed my claim in good faith, rather they were looking for reasons to deny my claim by asking, each time, for additional pieces of information they never subsequently reviewed. If they disqualified the advertisement by that specific merchant in the first place, why did they ask for the date of the advertisement, color of the product, etc. The action of XXXX XXXX Services in the handling of my Price Protection Benefits constitutes bad faith. XXXX XXXX XXXX subordinated the interests of the client ( a cardholder ) to its own financial and monetary interests and when I asked to reevaluate my claim pursuant to their procedures, they refused and failed to reevaluate and reimburse me for the difference in price as prescribed by the Price Protection Program. Instead their supervisor XXXX, was making offensive, derogatory and hateful remarks towards me, my XXXX background, as well as to my ethnicity.
|
09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}.
This account was charged off and I no longer owe money to this creditor but its still showing a balance due.
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I paid off this account but its still showing that I owe a balance.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}.
I am a victim of identity theft and I never opened this account.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}.
I am a victim of identity theft and I never opened this account.
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}.
This account was charged off and I no longer owe money to this creditor but its still showing a balance due.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete this inquiry.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Sincerely, XXXX XXXX
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01/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
RE : Capital One Credit Card Number : XXXX XXXX XXXX XXXX I am currently in XXXX XXXX and was put into an XXXX XXXX for a few weeks, due to the XXXX XXXX stuffed down my XXXX, I can not speak well and when I do it is painful. Drs say it could be days, weeks or months to fully recoup. I was scheduled to go home on XX/XX/XXXX but I now have XXXX symptoms and XXXX XXXX.
NOTE : Anyone can call XXXX XXXX XXXX XXXX to confirm I am here XXXX XXXX they just wo n't provide an personal information.
ISSUE : My son brought me all my mail and upon opening my Capital One statement I became aware there are numerous transactions which I did not authorize. We then looked for my Capital One credit Card and could not find it. My son had his laptop and we signed on to my account.
- I tried to dispute the items, but Capital One does not allow me to dispute unless I call them, they force consumers to go through the following process ; click the option to dispute item and a message comes up that says ; : this might be Fraud- Call us and we can protect your account Capital One then gives me only one option to call the following number XXXX But I can not speak and have a lot of pain attempting to speak. ( see screenshots attached ) - I then attempted to email Capital One but they have no secure messaging I could find available for me on their website.
- I tried looking for another way to email Capital One but could not find one - My son tried calling to inform Capital One of the situation ; He was told he had to mail in a Power of Attorney, But this would take days.
- I think it is important to report the fraud anyway i can therefore I am using the CFPB platform.
Here is my fraud report : All transaction between XX/XX/XXXX and XX/XX/XXXX, are unauthorized and I am reporting as fraud. Including payments that seemed to have been made from accounts I had attached to my Capital One account. Some were even closed over a year ago.
I am confused how Capital Ones fraud detection did not recognize seven ( 7 ) transactions in one ( 1 ) day on XX/XX/XXXX. I have never used my card that many times in one day, 3 may be the most I have ever used my card in a single day. They could have stopped this then but instead my card was used about 20 more times over the following two ( 2 ) weeks.
To avoid any confusion, here is an itemized list of unauthorized transactions ; XX/XX/XXXX transactions XX/XX/XXXX {$400.00} payment XX/XX/XXXX {$8.00} XXXX XXXX XX/XX/XXXX XXXX Credit cash back reward XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX USPS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX Payment XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX return payment {$480.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$780.00} Payment XX/XX/XXXX XXXX Paymewnt XX/XX/XXXX XXXX credit cash back XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Paymwnt XX/XX/XXXX returned payment {$780.00} XX/XX/XXXX returned payment XXXX As a result of the fraud it seems Capital One has restricted my account, but I do not know what type of restriction that is or when it was placed because I have not received any kind of notice explaining.
Note : Since it seems someone was able to access my account online, I have already changed the password.
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07/08/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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AMERICAS BIGGEST SCAM I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are seven posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX XXXX XXXX. On each of these collection notices it specifically states that XXXX XXXX XXXX XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX XXXX XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year.
On XX/XX/XXXX a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
XXXX XXXX XXXX XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX XXXX XXXX This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
XXXX XXXX XXXX XXXX HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX v. XXXX XXXX XXXX XXXX. IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX XXXX XXXX.
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breech of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
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08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern : Thank you for taking the time to read this letter its in reference to capital one not being able to communicate the correct information with the XXXX credit bureau on the matter regarding XXXX late payments on card ending with XXXX from XX/XX/XXXX to XXXX which are fallacious I was told by XXXX on XX/XX/XXXX a capital one manager to submit a dispute letter in order to rectify this ongoing issue. Which both she and I surmised was previously revolved. A brief background I live in XXXX XXXX XXXX however half XXXX months out of the year I also reside in XXXX for work purposes. A few years ago, to be specific From XX/XX/XXXX through XX/XX/XXXX it show that there were some consecutive missed payments however was deemed incorrect. As made aware to capital one, Upon arriving to XXXX at the time I learn that I could not access my account and wasnt able to make payments electronically as I normally do, due to the fact your system flagged my computer for being on an international unrecognized IP address and assumed a fraudulent individual wanted to access the account. I called capital one utilizing the international number on the back of the card and specified that I'm away for a brief period to turn on autopay as I was not able to do it myself.I was told by the representative that it's activated. Please Note that I activate autopay on all my cards and never have any issues and including my capital one cards.. A few years went by and didnt think anything of it and randomly decided to check my credit report and it show these missed payments. Also, note my credit score range between XXXX and XXXX which is also the reason I never bothered to look deeper. On XX/XX/XXXX, at XXXX XXXX XXXX on a recorded conversation, I reached out to capital again and spoke with a lady by the name of XXXX who was aware of the situation. XXXX spoke with her managers regarding the issue and told me that they have taken care of it and that i shouldnt be worried. XXXX also left a detailed note in the system that day stating capital one will remove the incorrectly reported missed payment and will also rectify it with all 3 bureaus. I Went away again at the end of XX/XX/XXXX and came back to the US end of XX/XX/XXXX which is when I called to follow up. Spoke with one representative who ended up transferring me to XXXX and she mentioned that she wasnt sure how they deleted the information however the best way is to send a written letter to the dispute department and they will be able to do so.
i send the letter capital one responds with a letter to send a copy of my credit report which I've done. I called capital one back find out nothing has been done I spoke with another gentleman by the name of XXXX that said he would look into it and follow up with me that never happened.
After some further investigation, we've realized that the dispute center at the capital one located in Utah is unable to read the notes from the main center meaning when the information was disputed with the bureaus the capital one dispute team in Utah was not able to respond with the correct information as their system are not link Having the false derogatory item of 6 late payments is affecting my credit I've reached out to the bureau several times in order to delete the inaccurate information and have not been successful hopefully youre team is able to help thank you for you time Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX
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04/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have had some issues with actually getting payment to the Capital One but have never been late. They didn't initially accept debit card payments so that was a problem sorting that out at the beginning as that is unusual. I study and work in the XXXX and go back and forth from the US and most of my income is in the form of XXXX so I have to transfer it to a bank account in the states. It costs money to do that so I would end up having to pay extra just to pay my credit card bill. Anyway, that's not Capital One 's problem but it took me awhile to figure out what was going to be the best cost affective option for me without any additional transfer or wire fees to my US accounts. This caused a situation with the payment processing due in XXXX and XXXX but any issues and payments were sorted and paid immediately. Finally after I got a payment system working without accruing any additional fees, I set up an automatic payment with Capital One so I wouldn't have to worry about that anymore. But in XXXX I was scheduled for XXXX on the XXXX, so I paid all my bills early and I paid Capital One again on XX/XX/XXXX after making the regular payment due ( payments are due on the XXXX ) and more than the minimum payment due. I forgot to turn off the automatic payment system and it tried to take an additional payment on XX/XX/XXXX but since I hadn't transferred a payment to that account, it was declined for insufficient funds ( but my online account showed another payment wasn't due until XX/XX/XXXX ). But because of that Capital One closed my account because their computer considers it a violation of their policy even though I had paid early and more than what was due already. I have spoken to three fraud and dispute representatives who at the beginning of my calls said I had an account before back in XXXX and didn't pay so I was being investigated. That investigation came back that it wasn't me but they still wouldn't reopen my account. I asked again to please open my account but they won't saying the same thing ... I had insufficient funds and the computer will not allow them to reopen my account! Now, they are saying I have lost my rewards of over XXXX miles ( even though an agent did say I could use them to pay down my balance when I called the first time. I called back and they said they had to open an investigation to have that call reviewed and get back to me for an answer as that was not their normal policy. I recorded the first call by the way and the agent told me I could use the miles ) but now I've been told I have to talk to the collection department before I'm able to even talk with someone about trying to get any type of compensation for my miles. All this because I paid early before my XXXX and signed up for automatic payment! I have been treated like a criminal when I have an excellent payment history ( and credit ) and still have not been late! This is absolutely a violation against my human rights and I am very upset about how I have been treated. I have been responsible and have been punished for it all because of their computer! I have attached my XXXX statement that shows my automatic payment was paid on the XXXX and then an additional early payment on XX/XX/XXXX of {$200.00}. The account did not show a due date until XX/XX/XXXX after the XX/XX/XXXX payment but automatic payment still took it on XXXX XXXX and they closed my account! This is all computer error but no human is doing anything to fix it.
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03/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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My bill for my CapitolOne Quicksilver rewards card was due on XX/XX/19. This was the first bill due date from the time I had gotten the card. The day that I opened the card in mid XXXX, I set up an online auto payment through the Capitol One credit card app. This auto payment was to pay the balance in full on the due date, XX/XX/19. On XX/XX/19 I checked my Capitol One app and the pending auto payment was only about 60 % of my balance. It would not let me cancel this already pending payment so I had to create another payment to pay my balance in full in order to avoid interest fees. I immediately called Capitol One where the gentleman told me both payments now had to process through my bank and sit there for five days before he could start a refund. Feeling that I had no other option, I complied and he assured me I would be called back a week later on XX/XX/19 to start the refund process. So now I had to transfer more money to that account to cover the 160 % payment of my balance that " had '' to go through and sit in my bank for five days. On XX/XX/19 I never got a call back from Capitol One about my refund. I called them that date and the lady told me she could not get a hold of their refund department for me and I would have to try again at a different date. I tried the next day, XX/XX/19 and got through to the refund department finally, though their " system was down '' and I had to call yet again. Finally on XX/XX/19 I called again for the now fourth time in 8 days only to not be able to get transferred to the refund department again. The lady on the phone now mentioned she could start a " manual refund '', something I had never been told by any of the precious representatives I had worked with. She said she could start the manual refund and it would be an additional 2 to 3 weeks before the overpayment was refunded to my account. Adding that on to the 8 days I have already waited and Capitol One has held my account overpayment for a total of a month now before I will be able to see it again. I spoke with a supervisor and she told me the same thing about the timeline of a month for the overpayment that stemmed from a malfunction in their system with the auto payment in the first place. The lady only apologized but also told me that they could have started the refund earlier than the timeline I was given by the first gentleman on XX/XX/19 and that I was given wrong information. She refused to help me in any other way other than starting that manual refund. She did not try to compensate me in any way for the lost time and money that I have to endure for a months time. She did not understand the concept of the time value of money and how my money that they had no right to take on XX/XX/19 will be worth less at the end of XXXX. In summary, I paid 160 % of my balance on the due date because of a flawed system, was told different information by each representative I spoke with, spent over 4 hours of call time with representatives explaining my story over and over again and will still not see my money until a month after they took it from my account. This is a crooked business practice where I had to spend this much time and effort to recover money from a company who wrongfully took it in the first place. They were clearly trying to get me to have to pay their interest payments based off of a partial balance payment from the beginning. I will be cancelling their card immediately after my refund reaches me.
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04/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I identified I was a victim of identity theft in XXXX of XXXX on my credit report, and identified fraudulent charges starting about XXXX XXXX , XXXX until current. I have identified charges through XXXX XXXX XXXX , and XXXX going back to XXXX and currently I received a letter from the IRS on XXXX / XXXX / XXXX that someone is attempting to get my tax information. I have had my mailbox broken into 4 times since XXXX XXXX until current, and have had my data stolen on my computer and phone including the Hospital I worked for. I am disputing all charges from XXXX XXXX , XXXX until current on the following accounts. XXXX XXXX ending in XXXX XXXX Thank You Preferred- ending in XXXX , XXXX Double Cash-ending in XXXX , XXXX XXXX Preferred- ending in XXXX , XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX -ending in XXXX , XXXX XXXX ending i n XXXX and any other account numbers in my name. I am requesting written verification of every account number in my name, in order, from all XXXX accounts from the start of the accounts, until current and want all derogatory statements removed from my account and credit report. I have been attempting to verify account numbers with C apital One a nd XXXX since XXXX of XXXX when I identified I was a victim of identity theft. After numerous disputes including XXXX Thank You Card, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX XXXX , I was forced to remove disputes through XXXX on my credit report to obtain a refinance on my home. Therefore, taking responsibility for the accounts, and charges on the accounts, to refinance so I can pay off my student loans. Cap ital One or XXXX , has never verified in writing why so many account numbers where opened in my name, and is putting derogatory statements and late payments on my credit report. Therefore, I am unable to obtain a refinance on my home, will have to sell my property, and move out of my home with my XXXX children because of Capital O n es and XXXX refusal to accept my disputes. I have attempted to settle w ith Capital One and XXXX , and can not because of their derogatory statements on my credit report causing me to not be able to refinance on my home. I am not going to be responsible for fraudulent charges on my account. I dont even know what my real account number is anymore because of so many account numbers issued in my name. I would like written verification of every account number in my name in order from a ll Capital One and XXXX accounts from the start of the accounts until current. I identified I was a victim of identity theft in XXXX of XXXX on my credit report, and identified fraudulent charges starting about XXXX XXXX , XXXX until current. I have identified charges through XXXX XXXX XXXX going back to XXXX and currently I received a letter from the IRS on XXXX / XXXX / XXXX that someone is attempting to get my tax information. I am disputing all charges from XXXX XXXX , XXXX until current on the following accounts. XXXX XXXX ending in XXXX , XXXX Thank You Preferred- ending in XXXX , XXXX Double Cash-ending in XXXX , XXXX XXXX XXXX - ending i n XXXX , XXXX XXXX - ending in XXXX , XXXX XXXX -ending in XXXX , XXXX XXXX XXXX -ending in XXXX and any other account numbers in my name.
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06/04/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Ongoing dispute with LordandTaylor.CapitalOne.com Between XX/XX/XXXX and XX/XX/XXXX I paid off my card in full and returned merchandise. I expected a zero balance on my card due to the returns and recalculations of interest charges. One example of interest charges on my XX/XX/XXXX bill was {$11.00} that appears it was not backed out correctly when I returned the merchandise. Over the course of a few months I was charged late fees on what I believe was incorrect interest charges and then interest on top of the late fees. It is really difficult to know from my bills exactly how Capital One calculated interest and I wasn't checking my online statements because I expected a zero balance and possibly even a credit balance. Then in XXXX I noticed in my Mint.com account that I had a balance on my Lord & Taylor Capital One account and started researching the amounts. I called Capital One and was told by an associate the amounts were correct, I escalated to a manager who researched and in XX/XX/XXXX provided finance charge adjustments in the amount of {$26.00} which included correcting the {$11.00} finance charge on my XXXX bill. I also received an interest adjustment of XXXX cents and late fees of {$20.00} were reversed. I appreciated the support in correcting my account, however what I have since learned is Capital One reported me as paying late to the credit bureau ( s ) which has reduced my credit score by XXXX points in a few months. I am purchasing a car and this incorrect information is impeding my ability to obtain premium rates. I called Capital One again on XX/XX/XXXX and was informed the information they reported was correct and I protested had my statements/fees/interest/finance charges been assessed accurately from XXXX / XXXX to present I don't believe I would have owed any money to Capital One and therefore not have any late payments. Based on the returns the supervisor told me the problem was with Lord and Taylor, not Capital One. I said Lord and Taylor does not service my card, Capital One does and I again communicated I believed Capital One had calculation errors that were not considered or reversed when reporting to the Credit Bureaus. There may have been Reg Z violations but I'm not the expert in how interest and the late fees were calculated and the timing, I was not provided a breakdown, nor did Capital One explain it to me correctly so I am unable to complete further research.
Capital One supervisors would not provide any remedy other that submit a complaint to the Credit Bureaus and / or write Capital One and it would take 60 - 90 days time for a response. This does not help me as the loan will add upwards of {$120.00} annual interest charges over 5 years ( {$600.00} extra at minimum ) due to the lower credit score. Due to how long it will take Capital One to come to resolution I am the one absorbing the risks and extra costs due to the impacts on my credit reports. No way at this point I will be able to get the premium rate on my auto loan.
In addition, the last supervisor would not provide any written procedures for me to follow in submitting my complaints, only verbal directions were provided although I requested multiple times for written procedures.
Truthfully I can't tell at this time exactly how Capital One managed my account and what was provided as a courtesy and what was truly calculating errors on their part and no one at Capital One could provide that information either.
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04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
I had excellent credit and Capitol One looked at it and I wanted and needed a card desperately for the special promo they were offering at the time of a 0 percent interest for a year or more with a 0 balance transfer fee. I okayed my credit to be checked even though I knew it was great for what it was then at least XXXX or more. I was told they had to look at my credit there was no way around it. I sent the requested documents to them so I could get my credit card. Someone dropped the ball and I was wondering why I hadn't heard anything back and so I called them and I was told I needed to send the few documents, and I already had, and customer service had also confirmed that when I called about it. I never heard anything back after that, and so I called again a few times and talked with several customer service people that didn't try to help me, and further frustrated me, and so I then started requesting to talk with supervisors. After numerous apologies and weeks going by of trying to get someone to help me and talking with numerous people, someone then told me there wasn't even a promo that they were showing then, and that my account number couldn't even be found. There was a promo or I would've never started the process for the card. I talked and confirmed all that from the beginning a promo I'd seen online. I was really upset, and in shock, and then was told I could start the process over if I wanted to. This was after weeks of waiting after I'd done all that was asked of me. And I'd also checked to see that they had everything needed and asked for there. And they did, I had a account number that was given to me, and I wrote it down, and after all this a few weeks went by, I'm not sure what I did with it to show it to you now. My XXXX Credit Report shows a HARD INQUIRY from Capitol One on the date of XX/XX/XXXX. I never got their special promo card I needed. This affects my credit, and it shows it won't be taken off till XX/XX/XXXX. I need this taken off all my credit reports. It's affecting my credit I work so hard for and I need to purchase things. A place to live amongst other things. I never heard anything back for a while and never got my card. I was told I was going to get my card. A few months went by with all of this. Then later on I got something in the mail saying I was declined? I called right after that trying to get help again, as always, and was told it was declined because Capitol One didn't get that very same paperwork they'd requested when they had. It was just uploading a copy of my driver license and social security card or my veteran card. Someone, a supervisor or someone had to have deleted my info because it was there. Only to protect themselves from dropping the ball and not helping me when they should've and also I was suppose to have gotten the card and didn't. The lady in customer service even said the same. The hard inquiry from Capitol One company needs to be taken off my credit reports. I need it for everything. This isn't right. It needs to be fixed on all three credit reports. This has been disputed with all three credit bureaus, and they all have the papers for that. As well as the typed letter for that. Please delete them and their hard inquiry off my credit reports and return my points to my credit score for a card I never got that I was supposed to have gotten from them. Someone please help me. I'm just before looking for a place to live and need my credit back.
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01/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I emailed the CEO at Capital One, as I am trying so hard to get this account re-opened. I have the money to pay the entire balance!!! I am baffled and confused why my account was closed. We are leaving the country on vacation in 3 weeks & was planning on paying off card & using while in XXXX. This affected my credit score tremendously! As I have had this card for over 5 years!! This is the email Hello. My name is XXXX XXXX. I have had a Capital One card since XX/XX/2012. In only five short years, I have paid religiously and in return your card has helped my credit tremendousy. I am not sure if people ever thank you, but I really do appreciate that your company took a chance on someone with not great credit.
Today, however, I learned that my account was closed without my knowledge. I have ben racking my brain on why this would happen especially jsut after the holidays where everyne tends to spend more. My first thought is blame My wife ( haha-just kidding ) but we recently switch from a bank to a credit union, as we are hoping to refinance our car for a shorter period of time. Well with the kids and the holidays she assumed I updated Capital One bank info and I assumed she updated, so we made scheduled payments but they were returned as that account was closed. I have the money to pay off credit card in full and was planning to pay off by end of month as we are leaving for XXXX in XXXX. ( Last year capital one went on a cruise with us and what a blast we had!! ) We had planned on paying off & bringing our most trustworthy card and having the times of our life ( for a week, anyway ). But the account was closed??? After years of struggling financially and now finally owning a successful business, I am saddened by this. I hope you can reactivate this account, as although my credit is improving, I feel a loyalty to Capital One and would like to continue business with you for all future needs.
Again I have been thinking and thinking why you all would close my account and thought maybe a little more activity on my credit may have looked suspicious. I was told by my credit union I did not have enough loans and credit accounts. So last month I got a personal loan, another small capital one rewards card & a store card as well, just to show I can balance many payments while maintaining a good payment history. So ultimately trying to build my credit may have ruined my good standing with my longest card and I hope thats not the case, as the personal loan will be paid off within a year & i hoped to keep the smaller capital one card available and then add my teenage daughter as a user in a few months, that way we can track her spending some. I had great plans and was looking forward to no longer having average credit and hoping in 6 months have excellent credit, but by you all shutting off my longest, oldest account-i think I will be back to step one again.
I sincerely apologize about the returned payment, and I hate to think years of my on time payments would be affected by one small human error, especially during the holidays with kids -- its a busy, fun time and it was an error not intentional at all. I hope you will find it in your heart to reactivate my account so we may enjoy a great family vacation without the headache of dealing with banks & cash or credit reports. Thank you, sir, for your time.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX XXXX Last four of card # in question : XXXX
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11/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
My consumer report has an account named Kohls/Capital One On XXXX XXXX I pulled and looked at my consumer credit reports from XXXX, XXXX, and XXXX and saw Kohls/Capone account listed with inaccurate, inconsistent, and incomplete in my credit reports. Kohls/Capone account has violated the laws and my consumer rights under the Fair Credit Reporting Act. The Fair Credit Reporting Act states 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. I've attached the incomplete, inaccurate, and inconsistent Kohl/Capone account information below. In addition, I did not give capital one written permission to furnish a kohls card to my consumer reports XXXX, XXXX, and XXXX. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They have also placed illegal account information such as late payments and credit balances on my consumer report not allowed by the fair credit reporting act law under 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. They also reported illegal adverse account information on my consumer reports that they are not allowed to give the consumer reporting agencies because the consumer reporting agencies can't report them under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I the consumer also have the right to privacy under 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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09/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I had filed the original chargeback claim on the phone on XX/XX/2020 for two transactions with merchant XXXX XXXX XXXX on my credit card.
XXXX XXXX XXXX billed on XX/XX/2020, for {$500.00} XXXX XXXX XXXX billed on XX/XX/2020, for {$500.00}.
This was 43 days after the first transaction on the credit card.
I received a reply from CapitalOne on XX/XX/2020 ( Refer Exhibit 1 ). There was no mention of the receipt of transaction provided to them by the merchant nor any attachment I could refer to in this mail. I responded on XX/XX/2020 ( Refer Exhibit 2 ) in line with the general contents of this letter, that neither I nor anyone authorized by me had signed for or received the merchandise/service. This may have not been specific to CapitalOnes expectation of responding to the claim made by the merchant in their rebuttal that I had willingly signed the receipt of transaction document. If I was not privy to the merchants rebuttal to the bank at this stage, how was I supposed to respond specifically to the receipt of transaction or documents given to them by the merchant with my forged signature?
It was brought to my notice later by other banks also handling my chargeback claim that the merchant ( XXXX XXXX XXXX ) was providing receipts with my forged signature as a rebuttal to my chargeback claims. It is very unfair that CapitalOne did not provide me this document in their XX/XX/XXXX correspondence in order for me to verify and counter the merchant.
As soon as I got to know of the forged signature documents provided to other banks, I immediately sent a follow-up mail to CapitalOne on XX/XX/2020 giving evidence of the forgery ( Refer Exhibit 3 ). This mail was in continuation of my original chargeback claim of XX/XX/2020, and should have been considered as supporting evidence to my initial claim dated XX/XX/2020.
In the meantime and much later on XX/XX/2020, I received the merchants documents from CapitalOne. The transaction receipt had my forged signature on it ( Refer Exhibit 4 ). I immediately sent CapitalOne a detailed response ( Refer Exhibit 5 ) countering the merchant and brought to the banks notice the fraud & forged signature documents provided by the merchant. I requested CapitalOne to compare my signature on file with them, with the forged receipt of transaction provided by the merchant. The bank clearly chose to overlook the forgery and fraud done in my case. To make matters worse, the credit card mentioned in the receipt of transaction was incorrect and was not mine. My credit card ends with XXXX whereas the merchant has provided transaction details of credit card ending XXXX ( Refer Exhibit 4 ). This credit card does not belong to me. So how did CapitalOne accept this document from the merchant and decide the case in favor of the merchant?
I was surprised to see the reply by CapitalOne on XXXX XXXX stating the case is closed ( Refer Exhibit 6 ) because the chargeback claim was outside the 60 days of the transaction. This is absolutely incorrect if the date of filing is noted.
I made a final appeal to CapitalOne on XX/XX/2020 to re-open my case ( Refer Exhibit 7 ). The bank responded stating the case was closed and would not entertain any further requests on this case ( Refer Exhibit 8 ).
In my view, CapitalOne has decided the case in favor of the merchant based on fraudulent/forged and invalid documents. I strongly believe the bank was unfair and high handed in evaluating my case.
|
03/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
Yesterday ( Friday, XX/XX/XXXX ), XXXX, NY, was hit by a very massive, powerful, dangerous, life threatening and deadly noreaster storm, which caused me a lot of concern and fear over the safety of my well being, life and health.
Im just too weak, unhealthy and balance unstabled to be out in those type of dangerous and life threatening weather conditions.
Yesterday, after leaving my residential building for a XXXX doctors appointment, a massive tree fell a few feet ahead of me and that scared the living daylights out of me so I never went to my appointment, I decided to return back to my apartment and I didnt leave my apartment for the rest of that same morning, evening or overnight into today. The dangerous and life threatening winds, rain, snow and floods were just too much for my frail and quickly deteriorating health, vision, XXXX left XXXX, body and I. Please review the attached medical documentation and photo.
My neighbor took the attached photo of the fallen tree. She also got very scared and decided to return to her apartment and didnt go food shopping as she had originally planned to.
This morning I called Capital One Bank because yesterday overnight ( Friday, XX/XX/XXXX ), into this morning ( Saturday, XX/XX/XXXX XXXX, I received a {$35.00}, overdraft fee for a merchants payment that hit my checking account ending in XXXX, and they stated to me that a courtesy reversal/credit couldnt be given to me because of all the past due overdraft fee reverses/credits I had already received within this year. None of these shouldve been courtesy reverses/refunds because they were all given due to bank error related issues ( after banking hours non-functioning branch doors, broken, freezing up, delays in accepting cash ATM issues ). I quickly told the Captial One Bank XXXX customer service representative that none of those reversed/credited overdraft fees shouldve ever been labled/deemed a courtesy reversal/credit because all were caused by bank related errors, she told me that she was going to once again review my checking account so she placed me on hold for about 3 to 4 minutes and when she returned she informed that the {$35.00}, courtesy overdraft fees given to me appear to have been given to me as an error by the bank because I wasn't suppose to have received them at all because no overdraft fees were ever charged to my checking account. I was left speechless and shocked because that didnt make no sense at all. Obviously, I called in at some point to have those same overdraft fees reversed/credited for a specific bank error related reason. Obviously the Capital One Bank XXXX customer service representative who assisted me also must have seen, verified and confirmed the same overdraft fees before reversing/crediting them. I know for a fact that those same overdraft fees were definitely caused by and existed because of a bank related error. This entire situation has now made me sicker than I originally was. I have several upcomng mandatory XXXX coming up and this unnecessary stress isnt helping my worsening agonizing pain and other deteriorating health conditions at all, it just adding on to all of them.
Again, Im just too weak, unhealthy and balance unstabled to be out in those type of dangerous and life threatening weather conditions : XXXX : XXXX My scheduled XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX was canceled and will be rescheduled six months after my XX/XX/XXXX, XXXX XXXX XXXX XXXX.
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03/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Older American |
On XX/XX/XXXX, I purchased a XXXX XXXX, XXXX from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. There are three key issues that I think need to be reported to the Consumer Financial Protection Bureau. I was not aware of the regulations at the time of my purchase.
First, XXXX XXXX, Finance Manager, said he would give me a lower interest rate if I bought additional packages which is affirmative misrepresentation because consumer regulations do not allow the purchasing of insurance or other packages for a lower rate. He told me the 2.9 % interest rate was not available because of my credit rating ; however, I could get it if I bought these service packages. I later found that credit is the only determining factor for interest rate. I will have paid a gross of {$2700.00} and a net of {$590.00} after promised refunds for two of the three packages. The {$590.00} is in effect a finance charge and not reflected in my APR. I paid an additional {$590.00} to get a lower interest. I want to have the XXXX XXXX Package charge of {$590.00} reimbursed. I have not used the box of polishes that was given me and I can return it.
Second, the dealer invoice cost was affirmatively misrepresented to me as {$24000.00} by XXXX XXXX, Sales Manager, and XXXX XXXX, Sales Representative, who showed me what they said was the dealer invoice cost for the specific car I was buying. In XXXX, after I requested the dealer invoice cost from XXXX XXXX, General Manager, it was emailed to me as {$23000.00} which is a {$1000.00} less than what I was shown at the time of purchase. I agreed to pay the dealer invoice cost and is what I should have been charged. I want to be refunded this {$1000.00}. Additionally, this car was sold to me without the Monroney sticker or Window Sticker on it which is required under the Automobile Information Disclosure Act of 1958 15 U.S.C. 1231-1233. After I requested it in XXXX, the General Manager apologized and emailed it to me. See attached both the Dealer Invoice cost and Window Sticker that was emailed to me.
Lastly, I was charged {$550.00} for leather seats to have new XXXX factory warranty seats installed. This is also affirmative misrepresentation since the seats installed are from a local company and are not included under the XXXX factory warranty. This was verified by me with XXXX Customer Service. I want XXXX factory installed seats that were promised to me to ensure that the car still meets the XXXX safety standards. This is a key reason why I bought the car. On XX/XX/XXXX, XXXX XXXX, examined the installation of the seats and agreed that they need to be repaired. The local company manager of the company that installed the seats also agreed that the seats need to be repaired. On XX/XX/XXXX, I received a call from XXXX XXXX, Sales Representative, to make an appointment to fix the seats by the local company who installed the seats. The seats installed are not what was promised to me at the time of purchase. What was promised is to have XXXX factory warranty seats installed which is what I want.
I am currently waiting to receive {$2100.00} for two service packages and it has been over six weeks. In addition, XXXX XXXX needs to reimburse me {$1000.00}, {$590.00} and install XXXX factory warranty leather seats as promised at no additional charge.
The entire experience was unnerving and by the time I left, I was exhausted and felt taken advantage of since I am a senior citizen.
|
12/01/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
On XX/XX/XXXX, I tried to use XXXX of my CapitalOne credit cards and it was declined. I called into CapitalOne customer service and was forwarded to an XXXX department and a customer service agent named XXXX. XXXX explained that my accounts were closed on XX/XX/XXXX due to activity that CapitalOne deemed uncustomary. XXXX was not able to identify what activity was deemed uncustomary. I had XXXX CapitalOne credit card accounts, XXXX opened in XX/XX/XXXX and the other opened in XXXX. The XXXX credit card was originally an XXXX credit card that CapitalOne took over due to their merger. XXXX said that I have no recourse except to apply for a new CapitalOne account. When I spoke to a new credit card product agent, the offers that were provided to me, did not match the previous benefits of my accounts that were closed. XXXX told me that CapitalOne is completely within their rights as stated in my customer agreement, to have closed my accounts in this fashion. What I do n't understand, is that I 've had both of these cards for very lengthy periods of time, I have not used them recently in any manner that I have not used them in the past. In other words, there is no current or recent activity, that is any different from the activity over the past 9 years or 6 years. My credit card ending in XXXX ( the card opened in XX/XX/XXXX ), I have used for balance transfers, for 9 years, so there is no activity now that does not match previous activity. My credit card ending in XXXX ( the card opened in XX/XX/XXXX ), I have used to take XXXX ( taxicab service ) and pay for laundry machines, for at least the past 12 months. So again, there is no new/recent activity, that is any different than previous activity, that should have caused my accounts to be closed. I understand that CapitalOne may be within their rights but they should be able to provide valid reasons for these actions. Since I was offered new credit card products, that do not have the same benefits as my previous accounts, I feel as though I am being discriminated against unfairly. There is no ( abnormal ) activity that justifies closing my XXXX and XXXX accounts. How does CapitalOne have the right to close my accounts and not provide me with specific reasons? And then provide me with the only recourse of applying for new accounts ( thereby losing all of my previous account history ) that do not have the identical benefits of my previous accounts? If CapitalOne wanted to remove benefits from my old accounts, why not just do that? I am hoping that the CFPB can help XXXX why my accounts were truly closed. My accounts had been current. No missed payments, no late payments, no refused payments, etc. There was no new activity that was any different than previous activity, namely balance transfers and XXXX charges. I also do not understand why there is no recourse to reopen my accounts. CapitalOne should not be allowed to be so vague. I do not know if I 'm being discriminated against because I had benefits that CapitalOne chooses to no longer offer, but closing XXXX current credit card accounts with a lengthy history of valid use, impacts me very negatively. Now XXXX credit card accounts there were in good standing for XXXX and 9 years, will negatively impact my credit score and credit history, and CapitalOne provides no valid explanation, other than " activity we deem uncustomary ''. The total credit line between my prior XXXX cards was {$7600.00}. Please help.
|
01/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
I received a call from XXXX XXXX earlier in XXXX of XXXX regarding an account coming from Capital One. I was completely confused because I currently have an active capital one credit card in good standings that I acquired in XXXX and I also began banking with Capital One Bank in XXXX. I then proceeded to check my credit report and found there is a public file which I do n't know what it 's for. I would like verification of this debt as follows SSN # XXXX To Whom It May Concern, I am sending this letter to you in response to a call I received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
12/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
On XX/XX/XXXX I opened a secured XXXX with Capital One with a {$200.00} credit line, after I had deposited a refundable {$90.00} as security on the account. The advertised terms of the account were that at 6 months and 1 year the account would be reviewed for any or all of a credit line increase or a refund of the security deposit, effectively changing it from a secured to an unsecured XXXX. The terms did not promise or guarantee a credit line increase or a refund of the deposit, but just a review of the account for XXXX.
After 6 monthly statements on the account, and having paid my balance off, in full and on time each month, I had not been informed of the results of the review of my account for either or both of a credit line increase or a refund of the deposit on the account, so I requested a credit line increase using an option to do so on their website, and I also wrote them a letter requesting both of a credit line increase and a refund of my deposit. They responded to both actions with an online message telling me to call them. When I called I was told that I had neither been granted or decline either of a credit line increase or refund of my deposit. When I asked the agent to please review the account for one they said they could and would not do so, and that " only the system '' decides which accounts to review for same.
In XXXX XXXX, after 14 monthly statements on the account, and having paid my balance off, in full and on time each month, I had not been informed of the results of the review of my account for either or both of a credit line increase or a refund of the deposit on the account, so I requested a credit line increase using an option to do so on their website, and I also wrote them a letter requesting both of a credit line increase and a refund of my deposit. They responded to both actions with an online message telling me to call them. When I called I was told that I had neither been granted or decline either of a credit line increase or refund of my deposit. When I asked the agent to please review the account for one they said they could and would not do so, and that " only the system '' decides which accounts to review for same.
At that time, and with the account having a zero balance and no outstanding or disputed transactions, I asked that account be closed and my deposit refunded. The account was immediately closed when I then logged back into their website. After more than a week of the account being closed, and having not had my deposit refunded to either of my Capital One checking account or either of XXXX other checking accounts I had connected to the closed XXXX account, I received an online notice that I would have to wait at least XXXX months for a check for my deposit to have to be issued to me.
Capital One committed fraud in advertising accounts for which consumers were promised considerations for extension of credit, thereby also entitling said account holders for a written account of the results of such consideration under the Fair Credit Reporting Act, which they do not provide. At the same time, Capital One deprives said consumers of the use of their own money, for its own benefit. It then continues to deprive consumers of their own funds, while it reaps the benefits of interest off of them, for so grossly and unnecessarily a length of time, even after the account has been closed, paid off and completely settled, it constitutes nothing short of theft.
|
01/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
Approximately XX/XX/2021 I transferred money from my savings to the credi t card balance. This transfer from my savings to the credit card balance reduced the balanced owed. I saw this transfer digitally increase in the app. I saw and had a available balance before XXXX ( XXXX ) This is a standard operating procedure.
I awoke the next morning on XXXX and the available balance stated zero. The available balance I saw the night before was gone. The app indicated zero available balance.
I called in and spoke to customer service at least 3 times. I spoke to at least 3 different Supervisors. This took up my time and energy on this Sunday morning.
The supervisors stated the : 1. 'system had not updated ... ' 2. 'the weekends are slow .... '' 3. 'the money will be available shortyly .... ' 4. 'I recommend applying for a loan ... ' 5. ' I checked with my manager and the money will be there shortly 6. 'The money willl be there XXXX The available money that I saw available XXXX before I went to bed like it was the XXXX before was not there.
I did not have any money to pay for necessities.
The money was not there on the XXXX - two days after I transfered money from my savings ( XXXX ) to paying down the balance on the credit card.
I had to call in again and ask to speak to a Supervisor. This female supervisor stated the previous supervisor who double checked with her manager and stated the money will be there on XXXX did not submit it properly.
This supervisor recommended to apply for an emergency line of credit. Why?
After a week or so. I called in to figure out WHY and HOW this happened so this does not happen to me again.
I called several times and not one customer service rep could provide an explanation. I was transfered a number of times. I had to repeat my story and experience several times. I was not getting paid for there screw up. Again, not one rep could provide and explanation.
While speaking to a supervisor, I stated this is on a recording and you can hear what I stated. She, with a stern tone asked " Are you recording this '' I was shocked as this was the third or fourth or fifth time I have to repeat the story. I replied I do not have to answer that in my standard tone. She replied " Oh yes you do .... '' I hung up on her. See phone calls on my statements.
I still was not provided an explanation as to WHY and HOW this happened. I wanted an explanation. I was not being paid and I called in again. Again, I explained what happened to this supervisor. She replied I don't see anything and you owe money.
I could not believe this. She replied " Don't get HOSTILE '' -see recordings. I replied what? She stated You are getting HOSTILE. I replied I am not hostile - see recordings.
I could not believe what I heard from this supervisor. I hung up on her. A few days later my two credit cards were cancelled.
I still was not provided an explanation of what happened to the elimination of the available balance.
I called back and spoke to a female supervisor as to why my cards were canceled - see phone recording and outgoing call on my moblile statement.
She replied I can not say. I then asked for an accounting reconcilation so I could review what happened since I was not given and explanation.
I called in again and spoke to a female supervisor. She listened and then stated I was cancelled because I was verbally abusive.
This has caused damages.
I plan to sue this company.
|
07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
Greetings, XXXX and Capital One Violated my consumer rights by reinserting a debt onto my credit report. This item was PREVIOUSLY deleted and then reinserted on the report after being blocked from reporting.
This is a CLEAR Violation of FCRA as it states : The debt was removed as invalid and I To Whom It May Concern : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately.
I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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10/21/2016 |
Yes |
|
|
|
Web |
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I had XXXX Capital One credit card accounts. I got be hide on the accounts and Capital One started contacting me. My wife explained that I got be hide due to me owning a business. Somehow during this time, Capital One started contacting my business ( Partnership ) and stated to my business partner about outstanding debt that they were trying to collect. Which Capital One violated the " Privacy Act ''. Myself and my wife contacted Capital One informing them that this was a personal debt and not a business debt. We also asked them to stop calling the business and discussing my information with my partner. Then, Capital One started demanding the debt. We again contacted Capital One asking them to cease calling the business over my personal debt. A couple months later, Capital One transferred ownership to the business ( LLC ) and out of my name Capital One informed me that the debt was transferred to the business. XX/XX/XXXX the business again was contacted by " XXXX '' and " XXXX XXXX '' regarding the Capital One accounts. On XX/XX/2016, we reached a settlement offer with " XXXX ''. That same day we paid the settlement offer in agreeance that the negative remark would come off my credit report. On XX/XX/2016, " XXXX XXXX '' contacted the business and we reached a settlement offer with them for the XXXX Capital One account. In the settlement offer XXXX XXXX agreed to remove the debt from the credit file if I paid the debt that day. In which I did. Throughout the following months I ran credit reports and seen the debt still listed. I disputed the account with the credit report agencies, and got the same response. That Capital One stated that the debt was listed correctly. I again called Capital One regarding our settlement offer agreement. Never got anywhere with them. I filed a complaint with CFPB that got closed with no results. XX/XX/2016, I again disputed the accounts on my credit report. On XX/XX/2016, I received a letter that stated that " We have reviewed our records and found that we previously responded to your request on XX/XX/2016. Based on our investigation of your records, we believe that our original determination is correct '. This was on the account ending in XXXX. On account ending in XXXX, the letter stated " We are following up on a fraud notification that you recently filed with XXXX of the XXXX credit report agencies stating that you believe there is fraudulent activity on your Capital One account ''. On XX/XX/XXXX and XX/XX/XXXX, I contacted Capital One and expressed my concerns. I spoke to XXXX XXXX and then a manager ID # XXXX ( XXXX ) on a recorded line. XXXX and I discussed the account and which I asked if we could settle this matter without contacting CFPB or an attorney. XXXX stated that " XXXX and/or XXXX XXXX '' had no authority to offer and settlement offer or removal of the accounts from my credit file. I went on to explain that was part of the settlement offer if paid on the same date. I went on to express the " Privacy Act '' violations, and the transfer of ownership. XXXX stated that she would have to investigate her records, I stated that we have already went through that process. XXXX stated that I need to spend her a copy of the settlement offer. I explained that I have already submitted these documents to them on numerous occasion with no results. I asked XXXX how we could settle this matter, and was told that the debt would continue reporting on my credit file.
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05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I filed a Petition of Voluntary Amortization of Debts under Section 128.21 of the Wisconsin Statutes, in the Circuit Court of XXXX County, Wisconsin.
On XX/XX/XXXX, the Circuit Court of XXXX County, Wisconsin appointed a Trustee to this case matter to manage the debt and to send payments to the All Creditors listed including the three Creditors listed above.
On XX/XX/XXXX, the Creditors meeting was held and no Creditors objected to the payment schedule as set forth in the Amortization document provided by Trustee to the CREDITORS and as set forth in the attached Petition.
Under no circumstances are any Creditors permitted to accrue interest, late charges or any other related administrative fee associated with this debtors petition of relief.
This is NOT a bankruptcy and should not be reported as such with any of the credit bureaus. This is, however, personal receivership relief pursuant to Section 128.21 of the Wisconsin Statutes. ( See also 4m under Section 128.21 of the Wisconsin Statutes regarding Trustees payment deadlines. ) Trustee stated that funds will be distributed *at least every ninety ( 90 ) days on a pro-rata basis among all Creditors*. However, note most payments were made monthly if not twice a month to all Creditors.
NOTE : The undersigned Debtor has been making direct payments to Trustee as of XX/XX/XXXX, and payments continue to this day to go to Trustee as per the Court order for disbursement to Creditors.
NOTE : The undersigned Debtor has no control as to when the Trustee will send payments to Creditors. Trustee clearly stated when payments will be made to Creditors. This was clearly noted to all Creditors from Trustee, directly.
NOTE : The undersigned Debtor is at the mercy of the court and the trustee for payments to be received by Creditors. The Debtor should not bear the burden of payments arriving outside the Creditors internal payment structure ( which is deemed null and void by the court ) before the filing of the Petition. The Petition overrules all payment deadlines to the Creditors and under no circumstances shall the Creditor penalize the Debtor for payments being made to Creditor by the Trustee pursuant to Court Order. Payments are being made as Ordered by the Court, as agreed under the plan.
NOTE : Trustees payment record shows all Creditors receiving payments beginning XX/XX/XXXX, yet the three Creditors above continue to show false reporting and continue to reflect payments based upon the credit card agreement ( deemed null and void by the court ), rather than the Court Issued Order, which controls the payment schedule as of the date of filing the Petition.
DEBTOR hereby requests that the three Creditors listed and this Bureau adhere to the Court Issued Order, which includes the payment plan as dictated by the Court and Controlled by the Court Appointment Trustee. Please refer to the Trustees proof of payment record for the three Creditors noted.
DEBTOR is in compliance.
THE THREE CREDITORS above are NOT.
Please update reporting of the three CREDITORS above to reflect payments received ON TIME as of XX/XX/XXXX going forward. The 60/90/120 late payments do not accurately reflect the payment record made by the Court Appointed Trustee.
SPECIAL NOTE : Of all the Creditors listed in the petition, only the three CREDITORS above refuse to comply with the Court Ordered Payment Scheduled as controlled by the Court Appointed Trustee.
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08/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE BANK USA WALMART XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX ( XXXX ) XXXX-XXXX ACCOUNT # XXXX ACCOUNT # XXXX CAPITAL ONE NATIONAL ASSOCIAT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX-XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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08/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American, Servicemember |
I attempted to close my account by telephone conversation with Capital One Credit Card Company representative. I had paid the FULL Statement Balance of {$13000.00} by online payment from my personal checking account on Friday, XX/XX/XXXX, AND the payment cleared my account on Monday, XX/XX/XXXX. Please note I spent 8 months ( XXXX XXXX XXXX ) not charging my account because I was unable to pay my minimum payments most of the time because I was working with an attorney to file my Bankruptcy Action. I closed on the sale of my home by XX/XX/XXXX, to avoid Bankruptcy and received funds in early XX/XX/XXXX that I needed to pay the full statement balance due on XX/XX/XXXX. After my full balance Payment om XX/XX/XXXX, I charged XXXX purchases to help furnish my new apartment. I charged {$180.00} on XX/XX/XXXX ; {$37.00} on XXXX XXXX and {$89.00} on XX/XX/XXXX. Capital One charged me {$44.00} interest on purchases even though I had paid my entire statement balance days before and those purchases should not have shown interest unless entire statement balance wasn't paid by XX/XX/XXXX. Capital One also charged me interest of XXXX on XX/XX/XXXX on " Cash Advances. '' I HAD NOT GOTTEN A CASH ADVANCE SINCE XXXX and any cash advance was paid off when entire statement balance was paid. On XX/XX/XXXX an Unauthorized ( fraudulent charge ) in the amount of {$40.00} from XXXX was accepted even though my account was supposed to be closed on XX/XX/XXXX or XXXX! Another unauthorized charge from XXXX of {$120.00} ( I had already renewed my XXXX account using a different credit card ) and the charge was accepted on XX/XX/XXXX even though the account was closed by XX/XX/XXXX. I paid {$490.00} on XX/XX/XXXX to pay the XXXX charges that totaled XXXX. The {$220.00} of ILLEGITIMATE INTEREST AND MY Authorized XXXX PURCHASES Were PAID BECAUSE Capital one phone representative refused to acknowledge my dispute. Once the full balance of {$490.00} was paid I called to Cancel account on XX/XX/XXXX. THAT WAS NEVER CONFIRMED IN WRITING. I requested a refund check by XX/XX/XXXX for amount illegitimate charges totaling {$220.00} perhaps reduced by {$6.00} based on following information about interest adjustments. and have not received it. I just found online total purchase charge adjustment to decrease portion of balance I was charged for illegitimately XX/XX/XXXX of {$60.00} and interest charge adjustment of {$2.00} and {$4.00}. I was supposed to pay by XX/XX/XXXX {$100.00} which I had reported by email as fraudulent charge because my account was closed in XXXX and NO CHARGES SHOULD HAVE BEEN MADE. After the illegitimate charges accepted after account closure by XX/XX/XXXX, I went on my Capital One App and entered a command to BLOCK ALL CHARGES to my Capital One credit card SO THAT I COULD CUT OFF THE CHANCE CAPITAL ONE COULD CONTINUE TO RIP ME OFF by making illegitimate charges! I never received confirmation of receipt of emails or the proper adjustments to my account. I refused to pay additional illegitimate charges because I never received an adequate refund for illegitimate charges made! I sent a letter regarding my complaint about illegitimate charges on XX/XX/XXXX and sent it by USPS Priority Mail. On XX/XX/XXXX I received a letter saying I owed {$100.00} on XX/XX/XXXX. I DID NOT! NO CONFIRMATION OF CLOSURE OF MY ACCOUNT IN XX/XX/XXXX HAS BEEN RECEIVED. I MAY HAVE NO CHOICE BUT TO REPORT THIS FRAUDULENT CONDUCT TO THE FTC.
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10/20/2015 |
Yes |
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Web |
Servicemember |
My husband passed in XXXX. We had some credit cards together XXXX of which, would either come in XXXX our names or just my husbands, as primary ) and he had cards in just his name with me as an authorized user ( of which, would either come in just his name or in both ). With this particular card, I truly believe that I was merely an authorized user and thus, not liable on the debt. Despite repeated phone calls disputing this debt ( going back to XXXX though they first have it documented in XXXX XXXX, I am not only continually harassed by their collection team but they kick me around to different units every time I call to resolve this issue ( from collections to the decedent group to customer service ) every time I call requiring up to 3 hours of my time. I have requested evidence that I am on the contract as a joint party XXXX given situation described above of other cards and the fact that it is easy for their system - due to human error/changing or migrating systems - to incorrectly categorize me, as this has happened with other cards XXXX. I was told they could not find the application and that I needed to write a letter to a unit Utah requesting the contract and I would receive the contract, evidence of, or a letter stating what happens if they do not have it. I was to receive this within 7 - 10 days or my written request. I tracked the letter I sent and it was delivered on XXXX XXXX, 2015. I still have not heard back. I still can not get any answers. I am still receiving harassing calls despite numerous requests to stop and my ongoing dispute of the the veracity of the debt, requiring me to stop answering my home phone - especially when company is over. They are still reporting delinquencies to credit bureaus even though I asked if they could stop or notate a dispute until resolved, which has caused me great humiliation as I could n't even qualify for a {$1000.00} limit at a furniture store to replace the couch my husband died on let alone refinance my mortgage to take advantage of lower rates ( causing me long term financial harm ). I do not mind paying if I am on the debt - as I have done so with other cards. However, I believe that this was only in my husband 's name. Instead, I consistently get treated poorly, get harassed by collectors - despite disputing the debt and asking them to stop calling - and get punted around seemingly eternally. Making all of this worse, is the extremely inconsistent information and " answers '' I get every time. I am asking for simple proof - my personal experience and the events in mortgage servicing, for example, are demonstrative that I should not need to rely on their word or their system for proof as if it is infallible. Simply provide me with evidence and let us move onward. Simple request. Instead, the company continues to cause me emotional pain, stress, embarrassment, and direct financial harm. I am exhausted and drained. I need closure not more runarounds and false hope. I was supposed to have " the answer '' within 7-10 days of XXXX XXXX, 2015. This has been going on now almost 6 months and has cost me emotionally and an undeterminable amount of money on my ability to refinance my mortgage. I understand economics and promises to pay and will honor it if I am, in fact, liable. However, I truly and reasonably believe this was XXXX of my late husband 's personal cards. By far, the worst company I have had to deal with during these trying times.
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07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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-- -- -- -- -- 1. ) XXXX XXXX, XXXX a purchase with EIO.com ( order # XXXX ) with 2 day shipping for the amount of {$57.00}.
-- -- -- -- -- -2. ) Did not receive the product after a week, so I sent a followup email ; with the exact verbiage : " I paid for two days shipping and have not received my order '' on XXXX XXXX.
-- -- -- -- -- 3. ) Company Responded on on XXXX XXXX : " Im sorry to inform you that due to unusually high order volume, your order has not shipped and XXXX not be for several weeks. XXXX has been out of stock since early XXXX due to high demand, although they are continuing to take orders and guaranteeing that we will receive orders we place with them in due time. As such we have masks on order but we do not have an exact shipping date from XXXX right now, however we can guarantee we will ship as soon as soon as XXXX delivers product to us. We have been getting small shipments and shipping those on a first come, first served basis, so we appreciate your patience as we fulfill these orders as quickly as we can.
We recommend keeping your order as you will lose your place in line if you cancel, and no other distributor has stock at the moment. If you do prefer to cancel, please note we ask that you do so via email, we will then cancel in accordance with our cancellation policy which was agreed to at checkout.
XXXX, XXXX XXXX.
Electronic Inventory Online -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX -- -- -- XXXX. ) XX/XX/XXXX, requested for the order to be canceled and a refund to be issued.
-- -- -- 5. ) XX/XX/XXXX : XXXX canceled the order and sent a verification : XXXX XXXX XXXX Your order has been canceled Refunded Items XXXX XXXX Particulate Respirator, XXXX, XXXX eaches/pack 2 Refunded {$45.00} Subtotal {$45.00} Shipping {$12.00} Taxes {$0.00} Total {$57.00} USD Visa ( ending in XXXX XXXX {$57.00} Refund Shopify_payments - {$52.00} -- -- XX/XX/XXXX, Called in and disputed the amount. XXXX stated nothing needed to be submitted and they will address the issue.
-- -- XX/XX/XXXX, XXXX recharged me for the same item after removing it on XX/XX/XXXX. Called back in to dispute this amount again.
TRANSACTION REBILLMerchandiseRobert J. XXXX {$57.00} HTTPSEIOCOM.M, CA XXXX Purchased : Thu, XX/XX/2020 Posted : Wed, XXXX XXXX, 2020 Purchased By : XXXX XXXX Appears on the statement as : TRANSACTION REBILL HTTPSEIOCOM.M CA XXXX US XXXX - XX/XX/XXXX, followed up to see the status of the case. Submitted documentation showing XXXX canceled the order and was supposed to submit a refund.
-- - XX/XX/XXXX, Called back in to speak to the manager on the case. He stated the dispute was ruled in favor of me, and the charge will be removed from my card.
-- -- XX/XX/XXXX, Capital One removed the purchase off the bill.
PURCHASE ADJUSTMENTMerchandiseRobert J. ... - {$57.00} Posted : Fri, XX/XX/2020 Purchased By : XXXX XXXX Appears on statement as : PURCHASE ADJUSTMENT XXXX XXXX -- XXXX XXXX Capital One recharges me the same amount.
XX/XX/XXXX TRANSACTION REBILLMerchandiseRobert J. ... {$57.00} Purchased : Thu, XX/XX/2020 Posted : Mon, XX/XX/2020 Purchased By : XXXX XXXX Appears on statement as : TRANSACTION REBILL XXXX XXXX -- -- XX/XX/XXXX -- Called Capital One requested why this was recharge. They stated Visa ruled against my case. They pretended that they didn't remove the purchase or knew anything about the case manager ruling in my favor.
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08/05/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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On or about XX/XX/XXXX, I went to make a purchase using my CapitalOne Visa card my purchase was declined. I was shocked and knew that there must 've been some mistake as I had available credit. I 've had this account ending in XXXX since the XX/XX/XXXX and during that time always kept my account current and in good standing. So I immediately called the customer service number on the back of the card and I was informed that my account was restricted and to call another number. Upon calling the number which was given, I was informed that my account was closed do to participation in a legal action that is either past, present or pending and that a letter was sent out about a day or so prior to me calling in. At this point I am consumed with worry and anxiety because I am unaware of any legal action and concerned that my identity had been stolen or maybe someone was trying to sue me and I just have n't received notification. Once I received the letter it stated vaguely " Principal Owner XXXX s ) have past, present or pending legal action. '' No further information was noted as to what this legal action was nor any reference to where the information was obtained from in order for me to investigate the accuracy of the information. I then reached out to the Executive Office which issued the letter to get further information, I was only met with attitude by a male rep and was told to check my credit report for public records which I did while remaining on the call. All three of my credit reports displayed 0 reports on my public records. Then the representative suggested checking with DOJ or FBI or to hire an attorney because they had accurate information. So I saved up some money and retained as counsel The XXXX Law Group. No information was obtained by the law firm during their research and later an Engagement letter along with a signed Authorization Form by me was sent to CapitalOne around XX/XX/XXXX. With help of an attorney CapitalOne still did not provide further information regarding the legal action and it began to seem that only CapitalOne was privy to this legal action. By now I 'm experiencing XXXX daily. I am now out of money for retaining an attorney and still coming up empty handed ; my two additional accounts with CapitalOne which originated with XXXX were closed for the same reason and yet no record could be found. Then I began to think that even if there was something with the DOJ or the FBI that did n't appear on my public record how could anyone know without obtaining a background check which would require my consent and none was given, as well as, why is this company the only institution with access to this information. Last year, I retained the XXXX XXXX Firm hoping to get more information about this legal action being that this firm worked with credit issues and the previous one was criminal, and still none was given. I am now put in an even deeper financial bind after retaining new counsel to try and clear my name with this company based off a vague and ambiguous accusation. In XXXX of this year I consented to a LiveScan ( finger printing ) in order to receive my registration number for the the California XXXX XXXX XXXX XXXX and their investigation pulled up 0 findings in my record. I feel as though I am being discriminated against in that my previous address was in XXXX and I have had to endure unnecessary emotional distress and financial hardship at the hand of CapitalOne.
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11/29/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2022 me and XXXX XXXX we became a victim of a lottery scam online. My wife she participated in a XXXX called DIY XXXX where participants can post their handmade work to get votes and move on next level. Unfortunately this Website ( XXXX ) allows participants to purchase this votes by using credit card, however, they do not allow participants to purchase votes with their own credit card but other. In their website ( XXXX ) states any purchased votes made by participants will be voided and refunded. So we did research and we used our own credit card to purchase votes which it worked and no one refunded us any money nor they asked why we purchased those votes using our own credit card. While after we decided to search online regarding this contest and we found exactly what we were looking, this company operates a contest so called ( chance of game ) which collects XXXX XXXX XXXX from people who purchase votes and claims that money donating to XXXX XXXX XXXX. We found several lawsuit against this company including XXXX videos what other people were experiencing. XXXX XXXX immediately contacted this website via Email and asked to be withdrawn from the contest and to be refunded for the purchased votes. ( XXXX ) asked XXXX XXXX if she could stay until the end of the contest and will fully refunded. Complete fail. further more to this this company never refund any money to us and we decided to dispute with our Bank CapitalOne. We contacted claims department and claim was successfully submitted. We received temporary credit from our bank while their investigation is complete. At short time after the temporary issued money was reversed by my bank and claims department informed me my transactions was correct and no errors were found. I called CapitalOne claims department and asked them why it was denied, they asked me to send supporting documents for a second look. I had provided CapitalOne Bank several pages of findings online and communication between XXXX stating they had fully refunded us. Short time later I received another Email from CapitalOne that my claim was denied. Ever since I am calling them and explaining the situation and asking them if they reviewed my supporting documents and all I hear is solid answer your claim is denied because merchant has provided information. After calling XXXX consecutive XXXX to CapitalOme bank I was informed by an XXXX that until XX/XX/XXXX no one had looked at my supporting documents but yet they denying my claim. The XXXX informed me on a telephone call that he is notating in their system for a resolution team to review my supporting documents, and asked me to call back after XXXX XXXX. In about XXXX XXXX later I called CapitalOne bank and all I hear is lie lie, every customer service employee giving totally different XXXX of waiting, they putting on Hold for several XXXX before disconnecting the phone. I had never ever had such problem with any of my bank then CapitalOne even though I am keeping money in their bank and knowing I am protected as a customer l. Unfortunately I do not take serious towards this Bank and I assume a lot of people going through the same problem as I do. I dont understand why they do not review any supporting documentation from a customer. My last call was with XXXXXXXX XXXX XXXX XXXX XXXX ID XXXX who absolutely deny of helping me with my issue. Looks like they all XXXX and they do not want to help their customers.
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01/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX In Reference to : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I would like to start off by stating that I monitor my credit extremely closely. As such, I received notification on XX/XX/XXXX that my capital one accounts had been closed. This was extremely alarming to me, however, when I received the notification, it was two late in the evening to contact Capital One to discuss the reason further.
On the following day, XX/XX/XXXX I immediately contacted Capital One and would like to make mention of the conversations held during my interactions below : 1st Call I spoke with XXXX who indicated that she was a Senior Account Manager whose ID was XXXX she reviewed my concerns and stated that my accounts were closed out due to a return that took place over a year ago. I asked to be transferred to a member of leadership 2nd Call I spoke with XXXX who was said to be in the Fraud Department. His ID was XXXX. XXXX reviewed my file and indicated that he had never heard of an account being closed out in this manner after reviewing. He placed me on hold and stated that the accounts were closed out due to a payment that had returned on XX/XX/XXXX. I explained to XXXX that this one payment was as a result of an issue with my bank which was rectified, and I contacted Capital One immediately after to advise and was told there was no issue. I asked XXXX if there was a member of management within his department I could speak with as this is illegal and is a direct violation of my consumer rights. XXXX transferred me to the Manager below 3rd Call I spoke with XXXX whose ID was stated to be XXXX. XXXX placed me on an extensive hold and advised that she was consulting with her hierarchy. She returned after several minutes and stated that there was nothing that could be done and I would need to submit a dispute through the bureaus as Capital One was unable to reopen my account that as a consumer I extended my credit back to myself. XXXX also stated that if a payment returns at any time their policy and procedures indicate Capital One does not have to continue relationship.
As a consumer, a natural person, XXXX XXXX this is a direct violation of my rights. See violations below 15 USC 1602j states that my credit plan should have in fact been an open ended credit plan. This was not the case with Capital One in fact I was declined on several occasions for an increase when per federal law states the line of credit should have been open.
15 USC Code 1693 l no writing or other agreement between a consumer ( XXXX XXXX ) and any other person ( Capital One ) may contain any provision which constitutes waiver of any right.
-This law simply put means that Capital Ones Policy and procedure does not supersede Federal law stated above. As such, my right as a consumer was violated if the outcome was not beneficial to myself as the consumer.
I am demanding that both my accounts be reopened immediately. My initial deposit of {$200.00} also be returned to me to the address listed above and no utilization be reported without my consent which was my initial request. It is my belief that Capital One retaliated against me when I submitted a request to have my utilization not reported and took it upon themselves to illegally close my account out without my consent.
Your immediate attention to this matter is greatly appreciated cc : Attorney General cc : XXXX XXXX XXXX XXXX
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12/30/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Back on XXXX XXXX XXXX I received a statement for my CC with Kohls department store. That day i wrote a check to pay the bill in full, included my account number on the check and mailed it in. On XXXX XXXX XXXX the payment cleared my bank account and never thought about it again because i thought every thing was fine. months past never once receiving anything in the mail about still owing kohls, but i didnt worry about it because i had paid the statement i full and had not used my card since then. Then in XXXX XXXX i received a collection letter from kohls. I called and stated that i had sent payment and i didnt owe any thing on my account. they told me to send them a fax showing the payment cleared from my account. I sent the requested info to them. the months that followed i would call and they would say they never received anything, then around XXXX XXXX XXXX they said they revived the info and was looking into it and i would be contacted via mail, nothing ever came. I call back mid XXXX and was told verbaly it has been taken care of. With that I thought this battle was over. Then in XXXX XXXX my husband and i were trying ti buy a car and almost couldnt get the loan for our car because of the damage kohls had done because of their mistake, when getting the car loas i told them it would be soon dropping off because i had just finished getting the issue resolved, they granted us the car loan but at a high interest rate, which we would never have had if Kohls had not messed up. jump forward to XXXX XXXX my husband and i started the process of building our first home and i found out that Kohls really had not resolved the problem but were stating that i still owed them money. I called them to find out why and they told me that i did owe them over {$300.00}. i was shocked never once in the last year did i ever receive anything in the mail stating it wasnt paid. I asked for the fax number again and sent in the info again showing it was paid and cleared from my bank account. a few weeks later i called back to follow up and was verbally told " we have resolved the problem and your account is {$0.00}. '' i was relived that this battle of almost 3 years was done, not so the battle continued. In XXXX XXXX as we are getting close to closing on our home found out kohls was still reporting that i owed them money so i called again and was told they have no info about my account and to call a diff number, called the number and found out that they were claiming i owed money. Again i told them that in XXXX XXXX i sent in payment and i had proof that i cleared my account they gave me a diff fax number and i sent the info about 2 weeks later on XXXX XXXX i got a letter in the mail stating that they had messed up, and they would get the late fees removed. I later called too get a letter sating what would be removed and when also a letter stating they will fix the problem they have created with credit. I got the letter stating was was removed but they refuse to give me any info about it being reported to the credit bureau to finish fixing this problem they created. Because they have not done this we have not been able to finish closing on our house. On my last call to Kohls i was hung up on when i stated to explain what i need then when i called back i req to talk to a supervisor and wasnt allowed to talk to XXXX because they said they have no more info they can give me other than what was on the last fax.
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10/16/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
|
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Web |
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Before submitting this complaint, I ( 1 ) contacted my bank ( Capital One ) on two occasions and escalated my complaint as high as I could ; and ( 2 ) I searched for similar complaints in CFPB 's database. I found multiple other Capital One customers with the identical complaint to mine, so am curious as to how the complaint was handled/resolved.
My complaint is that Capital One apparently, at some time in the past ( I don't know when - but other complaints in the CFPB database date from XXXX ) introduced a new savings account product and then set existing savings accounts at a very low interest rate. Capital Onerefuses to provide me with a market rate for my " legacy '' savings accounts and they also refuses to migrate my accounts to the new one, stating that they are different products with different terms. I find this answer to be nonsensical, because on the same day that I received this written answer, I also received a notification from Capital One that they were changing the terms of my checking account.
When I signed up for the account years ago ( under ING ) it had a very competitive interest rate- which was one of the reasons I took the account in the first place. The rates continued to be ok with Capital One ( though generally were low at the time ). It wasn't until the Federal Funds rate started ticking up that I kept checking my account savings rate and noticed it wasn't moving. Then I looked online and saw the higher advertised rate and called. The explanation I received from the first " manager '' person I talked to was that there was essentially no difference between the old and new accounts, only the name and the interest rate.
I find it highly dishonest and disingenuous of Capital One to change accounts like this with zero notification and no option to migrate accounts. I've had many financial products/accounts migrated over the years, including this bank account from Capital One. It seems plausible that this ploy by Capital One allowed them to save on paying interest to old customers with high savings account balances while recruiting new customers. At this point, I've likely lost out on hundreds ( if not thousands ) in interest payments. I had also supposed that my account with Capital One would earn a high and fair interest rate, as that was the product advertised.
Capital One 's proposed solution to me was to just create new accounts. First of all, this does not provide compensation for the lost interest. Second, this is a difficult and time-consuming proposition. I have multiple savings accounts with direct debits and direct deposits set up. Creating new accounts and re-linking them would take hours of time across multiple weeks to have all the linkages re-done. I realize there may be some responsibility on me as the consumer, but I feel like here the bank changed terms without notifying me or providing reasonably accommodatingoptions forward.
Moreover, there is no guarantee that Capital One might not do something similar in the future. What if as soon as I were to create new accounts, they follow the same playbook?
I would be curious what the answer to the other complaints/cases was. It seems to me there is a possibilityCapital One 's policy in this regard was intentional to defraud its customers of interest.
I have two emails from Capital One that I can share with CFPB as well. My phone conversations with Capital One occurred in XXXX and XX/XX/XXXX.
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06/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
Step 1 : What is this complaint about? Being financially responsible for a fake check of another entity.
This complaint is about me, the bank customer in good standing for over 10 years, having been deemed fully responsible financially, for a fake check ( mobile deposit, XX/XX/2019 for the amount of XXXX ). This was payment from a XXXX XXXX job that I was hired for. It was from XXXX XXXX Bank. This check that I received as payment for the work I did the previous week, I deposited via mobile app. Just to make sure that the check was good, I called the customer service call center of Capitol One 360. I was told by the bank customer service call center agents, was good and that funds were available for withdrawal upon on the date of XX/XX/2019 as well as from the call I made on XX/XX/2019. On my initial telephone call, I made it a point to voice my concern about this check possibly not being real. I HAVE done work for XXXX XXXX before, and all turned out well in the past, however, I was aware that not all these XXXX XXXX jobs are real. I was also advised by another customer service call center person to take a picture of the check and to e-mail the picture of the check to their fraud department, which I did. I never heard back from anyone of that department nor any other department of Capitol One 360 Bank. Thus, I was under the solid impression that the check was good, and that I was free to draw upon it, as I was told.
Step 2 : What type of problem are you having? My bank account is permanently closed, I had to open a new bank account elsewhere, and I am being charged the money, plus interest from Capitol One 360. This has costed me money and much trouble with my bills.
As it turned out, on XX/XX/2019, the check for the amount of {$2800.00} REVERSED. Capitol One 360 CLOSED my bank account and is now charging ME for the money loss from that check that I was told was good to withdraw upon! I had been a good customer for 10 years with Capitol One 360. They should NOT have told me that the check was good after I submitted an inquiry to them! I was NEVER gotten back to on any of it. I have called and called the Customer Service Department of Capitol One only to be put on hold or transferred to voice mail. I was told that I could not talk to anyone in the department team who could help me. I was told to leave a voice mail message. I have left whatever department that IS, several voice messages, with NO response back whatsoever.
Step 3 : What happened? Capitol One 360 reported me to the credit bureau as negative and caused my credit score to drop in its number. I can no longer bank with Capitol One 360, and they basically made ME the responsible party instead of going after the entity that was the fraudulent culprit. This is even though I contacted Capitol One 360 before the check reversed, making sure that the check was real. I was told that it was and that the funds are available. I even gave it time to clear just in case it was not. It is my belief that instead of taking this out on me, the consumer with good standing, to go after the actual party who issued the check to begin with! I want my bank account re-instated and any negative credit reporting made against me by Capitol One 60 REVERSED.
Step 4 : What company is this complaint about? Capitol One 360 Step 5 : Who are the people involved?
Capitol One 360 Customer Service Department, Capitol One 360 Fraud Department, and myself.
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12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
I have a Capital one bank borrowed my account to get a loan from XXXX XXXX XXXX and my account was hacked and used my loan to send to the wrong address from XXXX XXXX XXXX I have credit report from my XXXX dispute in favor my ID was stolen and used my information to send it to XXXX when my account with coinbase was requiring a refund my loan from XXXX XXXX XXXX was I'd theft and reported stolen I contacted the IRS with my tax refund direct deposit to my Capital one bank to pay them off what I owed and send a security transfer to my XXXX bank using my XXXX XXXX and XXXX XXXX account linked and my XXXX XXXX and capital one bank account was seized and blocked off saying the XXXX had a Identity theft from a XXXX XXXX XXXX and they said scammers were taken the money an left a note that doing business with me was cut off. I have a financial statement of delinquent account that caused a bankruptcy and I contacted the irs and the theft bureau of my account and was prosecuted stolen and sent a XXXX form to XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for claim of {$20000.00} from my XXXX tax refund I sent the statement to direct deposit to my Capital One Bank and contacted the XXXX site administration and said was a claim for a case open from XXXX XXXX XXXX site administrator that my files were under investigation for theft and reported my domiciliary accounts hacked and stolen from my database needing security fee for money transfer from Turn oXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX ordered that the bank be transferred to XXXX with my stolen Identy issue so I contacted XXXX XXXX works with my XXXX data breach account she sent email and checked my data was stolen Identity 3 and reported it a claim dispute but my form XXXX went to Capital One bnak and the filed a manager to close my bank account down due to delinquent account issue owing them money and said contact claims administration about the problem my IRS XXXX XXXX said contact the IRS with XXXX XXXX and update a ID with XXXX ammended XXXX XXXX and respond to the case payment with my update I have a dispute with XXXX capital one bank XXXX XXXX sent a negligent delinquent account payment XXXX from XXXX XXXX XXXX XXXX XXXX with case number for Efile to pay and left at there desk to file mailed in XXXX check from XXXX claimed theirs used my name to ID theft my records and updated the case stolen and never recieved when coinbase and XXXX and Capital one called a delinquent account from the notice letter from the IRS the XXXX XXXX bank XXXX XXXX claimed that the voucher wasn't on file with the report mailed in from the XXXX XXXX and stole my Identity to use it on the claim from the respondent and created a bankruptcy dispute until they get paid from Capital One bank {$110000.00} was lost in a case with Efile direct deposit mailed in case document payment reported theft from my case files and distorted to the public as inheritance fund from a collection notice and closed my accounts down with undisputed claim charges and billing disputes from the government. So I called the direct IRS and XXXX an appointment with XXXX XXXX XXXX and said was a XXXX X ammended return payment voucher sent and come in the office to make a claim and I never recieved my direct deposit tax refund claim or deposit was stated in the bnak with someone using my name. I also reported a XXXX data breach on my claim was sent to dispute claimes office for a data breach.
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09/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
I moved from XXXX to XXXX in XXXX of XXXX and shortly after my move I began having 2 people use my bank information to add cash to their XXXX XXXX I called my bank, Capital One, to let them know of the fraudulent purchases and they told me that they could close my current debit card and send a new one which would take 7-10 business days. The problem at the time was I didn't have a way to receive mail, and I couldn't be without my funds for half a month either way. I told this to the first rep I spoke with and he told me that I could lock and unlock my card instead. These fraudulent transactions continued through XXXX on and off because sometimes I would forget to lock my card my card back after using it. I called Capital One customer service at least 7 times through this period just to let them know that I did not make these purchases ( which are all to XXXX and all to the same 2 users ). I was told that it was fine and I could process my disputes when I got to a place that I could receive money. In total I lost {$16000.00}. I came back to XXXX to visit and I was finally able to submit these claims with Capital One on XX/XX/XXXX. My claims have been denied 3 times for different reasons. The first was because they said I authorized transactions close to the time of the first fraudulent purchase. The problem here is that when I got to XXXX I was sent a fraud alert for a food purchase because I was out of state. After I spoke to a supervisor named XXXX and explained this to her she asked me submit any proof that I had. I emailed their claims team XXXX messages from the people that took the money saying that they took it, which I will upload for you to see. After sending in that information I was denied again and I talked to a supervisor named XXXX who told me it was because XXXX wouldn't provide Capital One with the IP numbers of the transactions. She gave me 2 emails to reach out to with Capital One to get this information ( I know it doesn't make any sense ). I emailed them and they told me to subpoena that info I would need a lawyer. I called back ( XX/XX/XXXX ) and spoke to another supervisor named XXXX who told me to reach out to XXXX to get this info. XXXX XXXX wouldn't give me anything because these transactions didn't come from my cashapp. I was able to get a rep email me stating that XXXX can't help and Capital One has to resolve the issue. After this I called Capital One back and spoke to another Supervisor named XXXX XXXX XX/XX/XXXX ), and he told me I was denied for spending patterns and that he would escalate my case. I would hear something in 10 business days. I have documentation of 3 more supervisors that I spoke to after this with similar issues, but for the sake of time I will move forward. Eventually I was told by another supervisor that if I reached out to XXXX XXXX and reported these 2 people as fraudulent my case would be reopened ( XX/XX/XXXX ). I sent screenshots of my conversation with XXXX showing I reported these people as fraud and my case still hasn't been reopened! I need help getting my money back as I have gone through everything that they've asked of me! At this point it just seems that they are not willing to refund me my money and whoever has been working on my claims hasn't been thorough enough. Several managers told me that they can see the IP addresses and they see none of the transactions came from an IP that is associated with my bank account.
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10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Older American |
On XX/XX/2023 XXXX XXXX XXXX added a {$71.00} ( 2 % ) surcharge fee to a repair bill of {$3500.00}. The bill and fee were both unexpected as the original estimate was for around {$600.00}.
The revised estimate was sent as an email and text the day before as an urgent request. As I was working, and as we wanted the work to be completed that evening, I quickly approved the estimate. After work I called to check on the status of our car. After calling three numbers without anyone answering I left a message. A while later I received a call back from XXXX who said the work could not be completed as they were waiting on a part. I asked if we could delay the repair and they said they had already taken the car apart and that it would be completed the next day.
We picked the car up and were informed about the additional fee for using a credit card. I asked XXXX about the policy and they said they added it the month before because the credit card companies raised their fees and that they were merely passing the cost through. We pay off our credit card bill each month but adding {$3500.00} is too much for us to pay this month triggering an additional credit card fee and interest payments over 20 %. In effect, we are being punished twice : once by XXXX and by the credit card company. XXXX indicated they are simply passing the fee on to the credit card company and suggested we complain to them to reduce their fees to XXXX. It feels like we, the consumer, is simply being used to as a lobbying tool in a political game.
The convenience of paying by credit card benefits both the consumer and the business. They do not have to hire additional staff process to checks, check Ids or count cash. While businesses pay a transaction fee to the credit card companies the benefits of credit card payment are well known. They allow a quick buy-now pay-later incentive for customers to purchase products and services immediately with the credit card companies handling the transaction and actual customer payment notification and billing -- again, reducing the need for businesses to have additional staff devoted to these costly tasks. Note that banks, not XXXX or the credit card companies, handle fraud and other non-payment activities -- again, reducing the need and cost to the business.
( see : XXXX XXXX XXXXXXXX last visited XX/XX/2023 ) It's not clear to me why, or if, the credit card companies have raised their transaction fees on businesses like XXXX. XXXX and XXXX are both very profitable. Their profits rise with inflation -- as the cost of products rise, their revenue increases as the fees are based on a percentage -- possibly XXXX is confused by this. While the amount the credit card companies receive is greater because of inflation, the percentage remains the same. There have been both a small increase and some decrease in interchange fees last year, but this impacts both credit and debit cards, and XXXX is only charging for credit card transactions.
Finally, it has been a banner year for credit card companies with revenue and net income rising 8.3 % ( see : XXXX XXXX XXXXXXXX last visited XX/XX/2023 ) My complaint is that the 2 % convenience or surcharge is unfair and should be dismissed.
We attempted to notify Capital One online to report the problem and the response was : XXXX - Report a problem : We've hit a snag.
Looks like we need to fix something, so we're working on it. Try again in a bit.
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09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
Greetings, XXXX and Capital One Violated my consumer rights by reinserting a debt onto my credit report. This item was PREVIOUSLY deleted and then reinserted on the report after being blocked from reporting. This is a CLEAR Violation of FCRA as it states : The debt was removed as invalid and I To Whom It May Concern : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXX XXXX XXXX XXXX, FL XXXX
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07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
I had a CapitalOne Card branded as a Savor Card with {$0.00} balance as of XX/XX/XXXX.
In XXXX I accessed my account online and saw a promotion to upgrade to a QuickSilver Card which advertised as a no membership fee card. The promotion stated my CC number would remain the same but a new card branded as Quicksilver would be mailed to my home. I proceeded with the upgrade.
I recieved and activated the Capital One QuickSilver Card. I accessed my account online and see my account has a {$95.00} membership fee balance.
I contacted Captial Customer Service and inquired about removing the membership fee as my card had been upgraded the QuickSilver with no membership fee.
I was told that the {$95.00} membership fee could not be waived because it was billed onto the CC ending XXXX ( Savor brand ) and that under terms of the upgrade any charges made under card # ending in XXXX ( the Savor brand ) can not be reversed.
This makes no sense, I am eligible for a no membership fee card. I spoke to two customer service personnel, first a rep who connected with me via phone call, who confirmed the the QuickSilver card is a no member fee, she put me on hold a couple of times and each time came back to let me know the system would not allow her to reverse or remove the fee. I asked to be connected to a supervisor.
The supervisor offered no help, she advised that because the fee was put onto the billing before the QuickSilver branded card was received or activated, the fee could not be reversed, thusly the billed fee is due. She confirmed in XXXX XXXX, there will be no fee put onto the activated QuickSilver card. She kept telling these terms were available to be read when sigining/acceoting the upgrade to no fee QuickSilver, additionally the terms could also be included and reviewed from the materials sent with the Quick Silver branded card that was mailed to me.
It makes no sense that I am paying {$95.00} fee for the Savor Branded Captial One Card when my upgraded card a QuickSilver branded card.
I knew my card balance on the Savor Card was {$0.00}. I saw promotion to upgrade to Quick Silver at no membership fee and accepted the offer, Capital One sent email advising the QuickSilver branded card was mailed to my house. Very surpirsed to see my account had a {$95.00} balance.
This is a rip-off. I requested cancellation of my account. The supervisor then explained she has to read disclosure terms, which includes terms that any existing charges posted to the account, the cardholder is responsible and obligated to pay in full. If I did not accept the disclosure, then the account could not be cancelled and cardholder will be still be obligated to pay any interest, late fees.
The upgrade offer was made on the landing page, and the simple upgrade request clearly states the QuickSilver card is a no membership fee product.
It makes no sense to be charged for a membership fee on a Savor branded card, as that card is not the card I agreed to renew, I signed up for the no fee QuickSilver Card.
I went ahead and accepted the disclosure terms to get my account cancelled, but accourding to the supervisor I must pay the {$95.00} membership fee for the Savor brand card.
By the way I had an autopay ACH to pay minimum payment : {$25.00} was transmitted to Captial One. Balance owed on the account is {$70.00}. But, I want the {$95.00} fee waived/reversed and {$25.00} return to me.
Sincerely XXXX
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06/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I purchased two flights separately ( totaling around {$1200.00} ) using my CapitalOne XXXX card. I was unable to contact the airline and cancel my flight so I launched a dispute with CapOne, who promptly returned the credit to my card and told me they would wait for the airline to respond. Once COVID-19 escalated and caused for travel disruptions my flights were cancelled and I received an email from the airline indicating that I may either request a refund or claim a " credit plus 20 % '', I opted for a refund and made a request.
Three months after my initial dispute I noticed that the money was charged back to my account after it was previously returned to me. I contacted CapOne who told me that the merchant denied my dispute. I let them know that the flight was cancelled and that I asked for a refund a month prior but the airline was not being responsive. The airline removed all contact information from their site and further research online showed that a a class action was launched by people similarly situated to myself. The CapOne representative told me that a letter was being sent to my home address which would require me to send all documentation I had in an attempt to plead my case to Visa.
Once I received the letter I faxed Visa all information I had including the email indicating my flight was cancelled, my request for a refund which was never made, and a letter further explaining what happened. I did not hear back for two weeks so I called CapOne again and spoke to someone for well over two hours. This was incredibly frustrating as I was told that Visa denied my dispute due to the fact that I did not provide enough information to prove th
at I did not agree to the airlines terms and conditions. She could not help me and directed me to Visa who directed me back to CapOne. They are bouncing off each other and are leaving consumers with no other options.
Overall, the airline cancelled my flights valued at over {$1200.00}, CapOne and Visa are siding with the airline and refusing to return my money to me and they are telling me that since I agreed to this. The airline is non-responsive, cancelled all their future flights, and removed all contact information from the website. I paid for these flights and they were cancelled. If I had cancelled these flights myself, I would understand, but the merchant cancelled my flights and are refusing to refund me ( and others ) while the credit card company is not helping me. The dispute process is created for instances like these and I understand that this pandemic is leaving companies confused but that is no excuse for Visa to allow this company to keep {$1200.00} for a flight they cancelled on me. There is no other proof I can provide for them I have sent them everything I have. The woman on the phone admitted that she herself could not contact the airline. This is a ridiculous situation and the fact that CapOne and Visa both have no answers for me and keep directing me to the other is incredibly frustrating and leaving me no other options but to make this report or to file a suit. The airline is ripping me off and Visa is allowing it all because they do not know how to handle such issues during a pandemic. Everyone is suffering through financial hardships at the time, myself included, so excuse my frustration.
THE AIRLINE CANCELLED MY FLIGHT AND WILL NOT RETURN MY MONEY SO I DO NOT KNOW WHAT OTHER INFORMATION VISA NEEDS FROM ME.
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06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Under the membership Terms and conditions, There is no such thing as addressed under what condition that I can't get my annual fee refunded.
The original account restriction was held due to a large number of purchases, Which was paying for the university tuition.
I paid the full amount, and the amount was paid through my bank accounts.
Moreover, I kindly respond to fix the issue by sending the requested files.
I did send all the request files, such as utility bills, a copy of my identification, and more.
Then, after a few weeks there was no answer, no incoming mail, or no explanations nonetheless, my account was still under restriction, and I couldn't use it.
where it was promised to be contacted back.
Now, when I called back to complain a few weeks after, the answer I got that wrong Social Security number was put in There was no callback, nor incoming mail until I called back to fix the issues.
So, upon checking, I put a one-digit of the wrong number.
Out of 10-digit social numbers, I accidentally put one number wrong, and thus, there was a mismatch on the social security number.
I believe that was the next issue I told on the phone.
Now, in this case, What I can say is how in the world, that wrong social number in the application can be processed.
in which I believe there should be a letter or request to contact back as there were mismatches in the application, where all the credit card companies do.
but somehow, it went through, and I did not notice it as well.
So, I checked with the credit bureau to see if it did not hit my SSN however, capital one somehow managed to find my social number and pulled the information out of it. So, in which I thought it went through well.
Once I was requested to get the social number, I was indeed to try to get a copy of my SSN however, due to covid-19 situation, The social security office only takes the application by appointment Moreover, I was really busy at the moment, so I couldn't make the time.
As this happened within the month of the opening of the account If the representative indeed gives a data on where I can request the closure and being able to request a refund of the amount Then I would more than gladly do so.
However, recently when I checked my account, the the the the the the the account was closed from the restriction, no notification was sent again through any method.
If mail was sent out, then possibly lost during transit between the company and my house.
In this case, I am still not being persuaded to the point where, why should I even be paying for the membership fee that I haven't been using any services after less than a month of card opening.
Moreover, if the wrong social security number was the problem to be fixed, then the application shouldn't even be processed, but somehow capital one manages to get the right one, and match with my application, then process it.
Before submitting the complaints again, I did try to find any statement under the " Capital One Customer Agreement '' provided from previous complaints However, I couldn't find the note where it says specifically the conditions where I cant get the refund of the membership fee.
{$390.00} is the big money, and it was economically rationalized to me, as there were so many unique services and bonuses given from the card.
However, in a case like this, I am not able to use the card, and still paying the full XXXX doesn't make any sense.
|
11/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/2018 I paid for XXXX services to XXXX XXXX XXXX to prepared and process my XXXX with the state of GA and the IRS. I was sent and email with the articles and by laws that were prepared along with a receipt of the XXXX filing. My application was rejected the first time and had to be resubmitted. While the XXXX went through the paper work in not properly showing me as the XXXX of which as of today needs to me corrected. I have made multiple attempts to contact XXXX XXXX the preparer and have not been successful with making contact or receiving a return call.After receiving no response from Ms XXXX I disputed the charge with XXXX XXXX my credit card company in the amount of {$440.00} for incomplete services. I could not open a bank account with they paper work she prepared because it was inefficient. Mrs XXXX also sent a prefilled application to me alleging that she was sending it to the IRS and I should receive my correspondences from the IRS within 4-6 weeks. After not hearing anything I called the IRS to check on the filing, and they have no record of it being submitted. I call twice just to make sure.
Ms XXXX disputed the charge and in her response she claims that she didn't know that the {$270.00} filing fee had not gone through, how ever she never provided a confirmation of receipt of filing as she did with the incorporation. In her dispute she alleges that her paper work was sufficient, and it is not. I don't have any thing filed with the IRS, My paper work is invalid, I can not open up a bank account until somethings are corrected with my incorporation.
Capitol One has returned the funds to Ms XXXX despite the admission in her email regarding the {$270.00} filing IRS fee, and a letter from the Manager of XXXX XXXX of which I provided regarding their review of of my paper work from their business dept in my attempt to open an account. The asked me to provide something in writing from a financial institution and I did. On. XX/XX/2018 I spoke with XXXX Customer ID XXXX was on the phone tirelessly trying to resolve this issue for the 3rd time. Since our conversation, The Charge of {$540.00} appeared to have been re billed on my card 4 times. This is financial XXXX.Anyone seen reviewing my account that this is not an error, my account has been mishandled since this dispute and I am very disappointed. My balance is not above my credit limit and I can't afford to with my work and school schedule to try an battle with a customer service representation that has no compassion, lack of understanding, and won't help me get my account and my dispute resolved.
I am in need of assistance at another level, I want this to go to the corporate level so they can here my complaint. I have asked that this matter be escalated and to to avail I have not heard from the next level management.
Issues With The paper work are the following..
1.On the GA Articles I am supposed to be listed as the XXXX the error She has me listed as the XXXX 2. The IRS application is just that and application and has not been submitted to the IRS nor has the fee been paid 3. Capitol One is not willing to call to verify anything, however they want me to get it in writing, I have tried to request it in writing, but it has not been successful. I have tried to have the IRS on a 3way and the Capital One refuse to take a verbal verification, I advised them I was told they could not provide anything in writing
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10/21/2015 |
Yes |
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Web |
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Capital One 's dispute process not fair.
The ER Vet Clinic charged me for a XXXX admission for my cat at the cost of XXXX. The XXXX Admission was not needed. All that was needed was a change of medication = XXXX and a Gel Supplement = XXXX. I asked for the medication change and supplement several times and was given other recommendations or medication. The end result was that the cat was in worse shape than when I started almost XXXX later, I did n't admit her a XXXX time ; instead I took her to the family Vet who gave me exactly what I asked for and the cat bounced back in 2 days. ( see attached detailed document ) It was a light bulb moment because I realized that Animal Emergency intentionally inflicted pain upon my XXXX and myself. They hospitalized her XXXX for financial gain.
REASON for COMPLAINT : Capital 1 requests documents to prove things that are impossible to obtain, especially if your complaint is about a service. I also believe that their Representatives are forced to tell lies and placate consumers in order to run out the clock. I filed a dispute with Capital One and they ruled against me and I did n't even know it had happen until I received a bill stating I had to pay interest.
Events : Dispute was filed in mid XX/XX/2015 = I received letter from XXXX explaining their actions ( c attached ) XXXX/XXXX/15 Cap 1 grants a charge backXXXX/XXXX/15 approx. I get the Cap 1 XXXX/XXXX/15 letter asking for additional documents and a 2nd opinion. ( c attached ) XXXX/XXXX/15 = I complied and faxed the documentation, with exception of 2nd opinion. The XXXX Vet was out of the State. I did however give them the Vet 's detailed notes that expressed his opinion, actions and why he took the actions.
Additionally on XXXX/XXXX/15 = I spoke to a Cap 1 Supervisor named XXXX after speaking to a idiot in regards to Cap 1 's request that I send them a credit voucher and XXXX opinion. I explained that the Vet was out of town, asked how the heck could I get a credit voucher. She told me that the XXXX opinion was really the problem. I told her to read the notes. The notes clearly state not only opinion, but his actions and there out come. XXXX said she would go higher up and she did. I got a call back from XXXX approximately 2 days later telling me that they would except the detailed Vet notes as the 2nd opinion. She would take my dispute up to the actual Cap 1 Dispute Board. I was to wait for a letter.
XXXX/XXXX/15 I got another letter regarding the credit voucher. I disregarded the letter because it was about the same subject that I spoke to the idiot about. The letter also arrived the day after our conversation. ( c attached ) XXXX. XXXX/XXXX/15 I spoke to XXXX again and she told me # 1 that the Merchant had until XXXX to respond to my Vet 's documentation. She also asked me for a letter from the 2nd Vet stating that his opinion was his opinion. I told her that I had asked him to do so already and he refused. My Vet did n't want to involve himself any further and felt that not only did he give an opinion, he brought forth action.
Between XXXX and XXXX/XXXX/15 = I called XXXX XXXX, her extension was disconnected. I left XXXX messages, the last on XXXX/XXXX/15 ; with someone named XXXX. She nor anyone else ever got back to me or sent me another letter. I just received a bill showing that I am paying interest and more of a minimum payment and that 's how I know they ruled against me.
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04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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My account with Capital One Auto began in XX/XX/XXXX. I have been a reliable customer in good standing, paying my account in a timely manner and effectively communicating with Capital One Auto of any discrepancies that might prevent me from paying by my due date. My history with Capital One exemplifies that I am a reliable, honest, and loyal customer. However, I have been going back and forth since XXXX XXXX about the false 30 day late payment reported on my credit report.
Concerning my Auto loan with Capital One, you can pull the phone calls I made from XX/XX/XXXX that demonstrates my effective communication with Capital One concerning my XX/XX/XXXX payment. I was informed that if I made a {$100.00} payment by XX/XX/XXXX, I might be qualified for assistance. However, I was denied assistance and the remaining balance, I was told to pay before the end of the15-day grace period, and I would be in the clear and nothing negatively would affect or be reported on my credit report.
XX/XX/XXXX, 4 days later, I paid {$430.00} via phone ( you can look up this call as well ) and was told my next payment is due XX/XX/XXXX, and that the monies I paid on XX/XX/XXXX covered XXXX and XX/XX/XXXX payments.
XX/XX/XXXX I received notification that my XXXX Bill was late. I called Capital one Auto to inform them that this is not correct because I paid XXXX 's payment on the XXXX. XX/XX/XXXX, Capital One created an investgation and concluded that their agent misinformed me about my next payment being XXXX XXXX XXXX, and that my payment made on XX/XX/XXXX was for XX/XX/XXXX and XX/XX/XXXX. I was confused why my XX/XX/XXXX was not paid and their system and credit report stated I paid it on time. The investigator admitted the system is not efficient and that each payment made is for the month prior. For example, my XXXX payment was for XXXX. My Novemeber payment is for XXXX, etc. In their conclusion/ruling of my dispute they told me because of the confusion, misinformation provided on their end, and my positive 100 % payment history with them, they were going to credit me for XXXX 's payment so my next payment was for XX/XX/XXXX. I was also informed that nothing negative would be reported on my credit report.
However, My credit report for XXXX and XXXX, according to XXXX, is now stating that my XX/XX/XXXX payment is 30 days late when it was not, I have receipts and capital One Auto Statements to verify that. Also, XXXX has XX/XX/XXXX reported late but my XXXX and XXXX for XX/XX/XXXX was reported in payment paid and in good standing.
I have been going back and forth with Capital One Auto trying to get the 30 day late removed off my credit and they continue to deny me stating the information is accurate and it is not accurate because I paid my XX/XX/XXXX and XX/XX/XXXX on time. Also, they gave me a provisional credit which proves they forgave the payment for XX/XX/XXXX and applied it to XXXX XXXX. Therefore, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reports should be in good standing.
I do not understand why they would give me a credit and not remove the 30day late reported on my credit. My credit report exemplifies me being accountable, reliable, and paying my bills on time. The 30day late report is negatively affecting my credit report, payment history and I am not able to take advantage of credit opportunities because I have been denied due tot he fact this 30 day late is recent on my report.
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10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened this rewards credit card account with Capital One in XXXX of 2022. I opened it specifically for everyday purchases that I was making on my debit card. I was only given a {$300.00} credit limit so I am forced to make payments often in order to utilize my card for my everyday spending. I typically pay the balance daily. From XX/XX/2022 until XX/XX/2022, I did this from my debit card without issue. The payments were applied and immediately applied to my available credit for immediate use. XXXX separate payments ranging from the amount of {$10.00} to {$140.00} were all made using the same debit card. Each of these XXXX payments were applied immediately and for each I had immediate access in my available credit. On XX/XX/XXXX, I made my first payment over {$200.00} using the same method as before, my debit card. The payment wasn't applied to my available credit and I received an email asking that I contact them regarding the payment. I called them and was asked to verify each payment made as payments made by me. I verified each payment. The agent then conferenced in a customer service agent from my bank and confirmed that it was my account and debit card in which I was making the payments from. I was advised that all restrictions were removed from my account and I would have no further issues. From that point on, I made an additional XXXX payments. Those payments took XXXX hours to be available to me in my available credit. Frustrating but I didn't make a big deal about it. Yesterday, XX/XX/2022, I logged in to make my payment. I made a payment of {$240.00} using the exact same debit card that I had used with every other payment. The same debit card that the agent called my bank to verify was my debit card. I logged in today to see that my available credit is {$0.00}. I called and I am told that there is a hold on that payment until XX/XX/2022. I do not have access to the payment that I made with my debit card for TWENTY-SIX days. I asked to speak to a manager as this hold doesn't make sense to me. I was transferred to a Fraud Account Manager who advise the same. She stated that it is a system hold and they will not remove it until XX/XX/2022. I asked why that hold would be placed and she stated that it could be due to unusual activity. I advised that this isn't unusual activity. I have paid the nearly daily from the same account since opening it. I asked to speak to someone else who could provide resolution and my request was denied. I asked for contact information of someone who could provide me more details and assist with my concern. My request was denied and I was advised by this manager that she couldn't help me any further and that she would be ending the call. She was hanging up on me and refusing to assist or get me to someone who could provide any resolution. This is a debit card payment that has already been taken from my bank account. The same bank account that I confirmed with the agent as legitimate and mine on XX/XX/XXXX. Each time I make a payment greater than {$200.00} there is an issue and my account is held. I can understand if there was concern and they needed to contact the bank or even wait until the payment posted to my account but to hold a payment for twenty-six days is abusing their power as they will have the funds from the payment long before that time. I am being punished for making timely payments and not holding a balance on my credit card.
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08/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Date XXXX To : XXXX XXXX Consumer Credit Examiner Wisconsin Department of Financial Institutions ( DFI ) XXXX XXXX XXXX File # XXXX From : From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX Re : Kohls Credit Card Account number : XXXX Account status : Closed Date opened : XXXX, XXXX Account type : Charge Card Balance on XX/XX/XXXX, Credit Limit XXXX.
RE : Consumer Financial Protection Bureau ( CFPB ) https : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX RE : the United States Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Dear XXXXXXXX XXXX Consumer Credit Examiner Wisconsin Department of Financial Institutions ( DFI ).
In reviewing your letter, I have submitted my concerns to the United States Senator XXXX XXXX Office in XXXX, WI, I also reached out to CFPB with my concerns. COMPLAINT ID XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. XXXX.
Im granting the State of Wisconsin Permission to contact and communicate with Senator XXXX Office on the said investigation regarding file # XXXX, CFPB XXXX.
Please note : I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX have submitted the most current data from an XXXX Credit report to show proof, Kohls Department Store Credit Card Services XXXX XXXX XXXX XXXX XXXX, WI XXXXis reporting the negative debt to the Credit Bureau XXXX XXXX or XXXX, in reviewing the most current data from XXXX. Kohls now have increased the charge offs to 31 months, driving my FICO score down even more.
The scar remark is a Charge Off-Closed. SCAR or Derogatory Marks, of poor payment history. Note a charge off is SCAR or Derogatory Marks, reported for 7 years, on a report to punish a customer or consumer with no credit or subprime high-interest credit loans. A charge-off is one of the worst items you can have on your credit report.
A charge-off is what happens when you fail to make your credit card payment for several monthsusually six months in a row. After several months of non-payment, a creditor writes off the debt as a lossin their accounting books cancels your account, and demands that you pay the past due balance in full.1 By the time an account gets charged off, your credit score has already suffered significant damage.
The damage done by Kohls and Capital One Banks is punishment for a customer or consumer trying to clean up a report. The balance on the card was a credit limit of XXXX $ we paid the limit off or the balance owed the remainder was late and charges were waved. From our agreement, the account is paid for the original balance owed, If Kohls and Kohls Department Store Credit Card Services and Capital One Bank NA, want the late fees paid in full to clear the debt from the report we may be able to agree to a settlement, however, this will cost Kohls Department Store customer shopping in the feature as we will shop XXXX and XXXX
To resolve this issue, I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX request Kohls and Kohls Department Store Credit Card Services and Capital One Bank NA. XXXX XXXX XXXX XXXX XXXX, WI XXXX remove the scar remark Charge Off-Closed. SCAR or Derogatory Marks, of poor payment history. We both agreed to settle the accounts, please remove the history from XXXX XXXX, oXXXX XXXX The information I a reporting is damaging to my credit history going forward.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
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02/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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This internet transaction was made on XX/XX/XXXX. There was 2 transactions made at the time, on a Capital One Master Card. Both transactions were made for a skin and eye cream by a company named XXXX XXXX XXXX, but is listed on the credit card statement as XXXX XXXX, that cost {$4.00} and XXXX cents shipping. Once I made the transaction, a pop up window came up and said I could get an eye cream for {$5.00}, so I bought that also. That transaction is listed as XXXX. I thought I was buying a trial portion, with no obligation to buy any more product. A few weeks after receiving the products, I saw 2 charges on my online statement that I did not authorize. These were dated XX/XX/XXXX. They charged me {$85.00} for the eye cream and {$89.00} for the skin cream. I contacted the credit card company, who in turn called the merchant while I was on the line. The representative of XXXX said that I had 14 days to try the product and if I did not call them within that time frame to say I did not want the product, I would incur the charges I previously listed. I told them I did not agree to any such terms and I would return the product since it had not been used. I also cancelled any future shipments of their product. XXXX said they would not accept any returns under any circumstances. XXXX sent their paper work to Capital One and Capital One sent a copy to me. First of all, I did not order the product off of the website that they say I did. That website does say you have a 14 day trial period. This is very important since it verifies that XXXX is using fraudulant practices to sell their product. I am so very glad that I made a copy of the website that I did order from and it does not say anything about a 14 day trial period. But I only had a copy of the website that verifies what I have been saying about the {$89.00} charge. Capital One has taken that charge off my bill. The other charge for {$85.00} was charged at the same time, but the company charged it separately. Since it was a pop up window and I unfortunately did not make a copy at the time of sale, the only way to get a copy of it, is to buy more product so the pop up window would come up, which I will not do. These 2 charges have 2 different case numbers, but the one for which I am writing is case # XXXX. They say they are leaving the charge of {$85.00} on my card because they requested a copy of my sales receipt or invoice and date of cancellation or return. I sent them a copy of the website that I ordered from as I did with the {$89.00} charge. These 2 transactions were made at the same time, but since the merchant charged them separately, Capital One assigned them 2 case numbers. I can not get a copy of my transaction for the {$85.00} charge because I can not print a pop up window that will not come up unless you buy more product, and the web page I ordered from does not exist anymore. The web page is XXXX. I can not return a product that the company refuses to accept. I told the Capital One representative that they have a recording of my conversation with the company and they can hear the companies refusal of a return. XXXX is using different web sites to scam people, since their web site they say I ordered from is a different one from the one I actually did order from. This should be enough proof to Capital one that this company is a scam and a fraud and I should have my money refunded. Thank You so much for your time.
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03/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My complaint is against Capital One Bank for failing to remove unauthorized and fraudulent credit inquiries on my credit reports. I did not apply for this Capital One/Cabelas credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a Capital One Bank auto loan. I was approved for this Capital One Bank auto loan and did purchase a vehicle from XXXX XXXX using Capital One Bank for this auto loan. I did not apply for any of these other auto loans or credit card accounts including this Capital One Cabelas credit card.
I first contacted Capital One Bank by phone in early XX/XX/2022 explaining this problem and was told I should also follow up with a letter to the Capital One Bank credit reporting department explaining this situation. I received a response letter from Capital One Bank dated XX/XX/2022 ( attached ) and this letter didnt at all address my issue, it only explained the three types of credit inquiries. I followed up with a letter dated XX/XX/2022 ( attached ) again explaining that I didnt apply for this account asking them to remove the inquiries from my credit reports. I received a response letter from Capital One Bank dated XX/XX/2022 ( attached ). This response was the exact letter they already sent me explaining the three types of credit inquiries again not addressing my issue at all. I followed up by writing a second letter to Capital One Bank dated XX/XX/2022 ( attached ). In error I failed to change the date on this second letter to the actual date of XX/XX/2022, this was mailed on XX/XX/2022. I included with this letter copies of letters from other financial institutions that also investigated some of these unauthorized inquiries resulting in having the inquiries removed do to fraud and identify theft. I received a response from my second letter from Capital One Bank dated XX/XX/2022 ( attached ). Just like the first two responses from Capital One Bank it was again the same exact letter explaining the three types of credit inquiries and again not addressing my issue at all.
I followed up with a third letter to Capital One Bank again explaining that I did not apply for this credit card and asked that these credit inquiries be removed from my credit reports. Once again Capital One Bank responded with the same exact letter dated XX/XX/2022 explaining the three different types of credit inquiries. Again not at all addressing my issue.
I contacted all three major credit bureaus XXXX, XXXX and XXXX and was told basically the same thing from all three of them, to contact Capital One Bank and and explain to them what is going on and ask them to have the inquiries removed by contacting the credit bureaus directly.
Capital One Bank has failed to properly respond to me, they have failed to investigate this matter of fraud and or identity theft and failed to even attempt to resolve this issue for me.
Having these multiple unauthorized credit inquiries on my credit reports is having a negative effect on my loan applications, my acquisition of credit, my credit scores. Capital One Bank should take this seriously and remove these unauthorized credit inquiries from my credit reports immediately.
I have attached some of the letters from a few of the other financial institutions that did take this situation seriously, responded and corrected the issue quickly.
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08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Letter of Deletion XXXX XXXX XXXX XXXX XXXX XXXXc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX GA XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933.
I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing to the Credit Reporting Agency XXXX, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft.
There is no Statute of Limitation on fraud. My findings show Fraudulent Activity.
These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit.
I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately.
I was never notified, I never granted permission, I never authorized for my private information to be furnished by any Agency or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights.
I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged.
Congress states the agencies ASSUMED their roles in evaluating consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place to prevent unfair and deceptive methods of practice and Protects me, the Consumer, Natural Person, Individual.
Present to me Proof of any written documents with me giving such authority to furnish my Personal Private information in any instance, Signed and Notarized by your Senior Executive.
I dispute the following Inquiries : XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dispute the late, delinquent remarks from XXXX XXXX XXXX in XXXX, XXXX, XXXX, XXXX Also, XXXX XXXX XXXX I Opened this account XX/XX/XXXX and Started with {$2000.00} secured funds, now reporting as {$500.00} unsecured with a balance and now closed, the late, delinquent remarks on my file in XX/XX/XXXX are inaccurate and never was there a late payment, furthermore my credit limit should be no less than {$2000.00}.
Remove and Delete these accounts from my Consumer Credit Report Immediately
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02/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an open complaint about injuries from CapitalOne with the CFPB with Complaint ID XXXX.
CapitalOne closed the credit card account in question on XX/XX/2021, account ending XXXX without prior notice. I called to find out what was going on and the representative told me my account was closed due to too many returned payments and also fraud on my part. The representative later said she cant find any returned payments so she transferred me to the fraud department, this is where the agent told me my card is closed and that a mail has been sent to notify me. I received the mail about 8 days later. I have attached proof from a screenshot of my USPS mail notification by email labeled exhibit D. CapitalOne has not complied with my validation of debt request which is my right as a consumer pursuant to 15 USC 1692g meanwhile they charged a past due fee to the alleged debt and also interest. CapitalOne falsely represented the character, amount or legal status of the debt which is a violation pursuant to 15 USC 1692e ( 2 ) ( A ) under the Fair Debt Collection Practices Act. I have proof attached from CapitalOnes mobile app labeled exhibit A. Further adding more injury, CapitalOne is reporting the closed account with balance to XXXX XXXX and XXXX consumer reporting agencies. Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( A ) it is the duty of furnishers of information to provide accurate information, and it also prohibits reporting information with actual knowledge of errors. It goes on to provide that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is in fact a violation pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) CapitalOne also closed another credit card ending XXXX which was out of the question, also without prior notice and a notice by mail was received 8 days later. The second card is a card CapitalOne gave me a pre-approval offer for on XX/XX/2021, I applied and they approved me on XX/XX/2021 and they closed the card on XX/XX/2021. CapitalOne used my Social Security card which is my credit card pursuant to 15 USC 1602 ( l ), to originate the credit and closing the account after sending me a card constitute unauthorized use of my credit card pursuant to 15 USC 1602 ( p ) because, I, the cardholder receives no benefit. This constitute a willful noncompliance under Truth In Lending Act which makes CapitalOne criminally liable pursuant to 15 USC 1611 ( 1 ) because the above referenced case was open and is still open and I believe CapitalOne knew they were going to close my credit cards anyway since they have violated my consumer rights in all possible ways, they shouldnt have pre-approved me for another credit card offer only to close it after 10 days of approval without prior notice. I have attached proof in the attachment labeled exhibit E.
I have proof in the attached exhibit labeled exhibit B and exhibit C that CapitalOne closed my account because I exercised my right in good faith as a federally protected consumer. This is in fact a violation pursuant to 15 USC 1691 ( a ) ( 3 ) which provides that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.
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12/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been trying to resolve a account that is in collections withXX/XX/XXXX XX/XX/XXXXfor the last year. XX/XX/XXXXtook my debt from a capital one card I stopped paying on back in XXXX. I stopped Paying on the account because in XX/XX/XXXX I entered a XX/XX/XXXXfor XX/XX/XXXX and when I left the facility in XX/XX/XXXX, I was involved in a XX/XX/XXXX where my partner was XX/XX/XXXXand I sustained numerous XX/XX/XXXX
Before entering the facility I was working something out with capital one because I notified them that there was fraudulent activity on my card and they failed to address my claim. In XX/XX/XXXX I relocated to XXXX XXXX XXXX XX/XX/XXXX from XXXX XX/XX/XXXX and I notified capital one that I had moved yet they were sending statements and notifications to an address in XXXX that I hadnt lived at since XX/XX/XXXX. I never heard back from capital one about my fraud claim and was not notified of them sending my account to a collection agency. I wouldve at least liked the opportunity to try to work something out with capital one instead of them sending my account to collections and putting it on my credit report especially after the fraudulent activity on the card Went unresolved. In XX/XX/XXXX XXXXXX/XX/XXXX contacted me and let me know that my debt was sold to them from capital one and they tried collecting on the account. I let them know that the debt amount was incorrect due to fraud on the account and that I have not received any sort of notification from capital one trying to collect on the account nor was my fraud claim addressed. Since the initial contact in XX/XX/XXXX by portfolio, I have tried numerous times to dispute the amount and each time I have been unsuccessful. They told me they wanted me to send in documentation Proving that the amount is incorrect and when I asked them what documentation they were looking for they were not able to supply me with a sufficient answer. Unless they want hospital bills, or proof that I was in a car accident or in rehab, or the fact I relocated to an entirely different state and went through to the proper channels of updating my address, I am more than happy to gather that information for them. If they want proof of my contact with capital one, then they can go to capital one And request call records on their end because all calls should be saved since they are all monitored and recorded. In XX/XX/XXXX, portfolio recovery called me. I attempted to try to work something out with them and they declined my offer. I went ahead and disputed the amount again due to my initial fraud claim from XXXX and I did not hear from them until XX/XX/XXXX. During that XX/XX/XXXX phone call I was told I shouldve received a letter stating that my dispute was denied. There was no letter sent to me and I was told I could dispute it again and send in documentation ... Again, I dont know what documentation they are wanting and I asked them and was not given a sufficient answer again. I feel like I keep going around and around in circles with XX/XX/XXXX and nothing is being resolved. If a company is requesting that I supply documentation, I feel like they should be able to tell me what documentation they are looking for that could help support my claim. This account in collections has held me back from trying to better my credit and I have actively tried to resolve this account with them and I feel like nothing is being done on their end.
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08/05/2015 |
Yes |
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Web |
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I originally had a Orchard Bank Credit Card, it was bought out by Capital One. I made payments through my XXXX Bank bill pay. Once I received notification my acct had been purchased by Capital One, I changed the account number and billing address through my XXXX Bank bill pay. I have paid this account off and closed it in XXXX XXXX. Capital One is claiming they never received a total of XXXX payments starting in XXXX XXXX XXXX XXXX. Despite my efforts of sending the proof of payments with tracer numbers they requested, via fax, email, mail and a XXXX conversation between XXXX Bank, Capital One and myself ; Capital One either claims they never received my proof of payments or the information is n't sufficient. Through all of the conversations I have had with a Capital One representatives, aside from Capital One claiming the never received the proof of payments, or the information they did receive was n't good enough, I have been told either my payments have posted to an " unclaimed payment account '', or my payments have been sent to XXXX Bank, or they were unable to trace my payments because the payments were even dollar amounts. I have spent numerous hours on this matter and always end up with nothing being resolved, it is having an impact on my credit report and purchasing a house. It is clear and simple I have made these XXXX payments, I have printed proof with tracer numbers from XXXX Bank and verbal proof from XXXX Bank that in fact Capital One negotiated all XXXX of these payments. I am not sure what else to do, please help or advise me what I can do.
On XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I sent a payment through XXXX Bank bill pay each in different amounts, later to see on my Capital One statement they did not receive the payment. I called Capital One and they credited my acct in the amount of the payment as a courtesy, until I sent proof from my XXXX bank acct the payment had been sent and cleared my XXXX account. Each month Capital One claimed the information I sent as proof was n't good enough, or they did n't receive the proof of payments or they gave me the run around with what might have happened to my payments. For each payment they claimed they did n't receive I sent the exact proof they requested. This remained a revolving unsettled issue, so In XXXX XXXX, I called Capital One to get the payoff amount ( minus the disputed payments I had already paid and sent proof of payment ) I paid the payoff amount that was given to me by the Capital One representative and I closed my account.
Just as recently as today ( XXXX/XXXX/XXXX ) I called Capital One to see the status of the most recent information I uploaded and emailed via the link Capital One provided to me. I was told by XXXX XXXX Account Supervisor, in the payment investigations department, that the proof of payment received for the XXXX XXXX, XXXX payment was able to be traced with the information I provided, but the other payments were not able to be traced. This does not make any sense considering the proof of payments I sent contained all the same information as the XXXX XXXX XXXX proof of payment. After she told me this newest information I questioned why the other payments could not be traced, she put me on hold for over 25 minutes and then I was disconnected by fault of Capital One.
Please advise me on what to do next to resolve this issue.
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06/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
To Whom It May Concern : My name is XXXX XXXX XXXX and I would like to file a formal complaint against Capital One. Capital One mishandled my personal information which allowed my account to be compromised and my account was left vulnerable to be hacked and misused my scammers.
The problem that I am having is that even though I contacted Capital One on several occasions and alerted them that my account had been compromised they still allowed the scammers access to my account. I alerted Capital One via telephone and spoke with an agent and described in detail that my account hand been compromised. It was suggested that I add an extra security measure of changing my username, password and security questions and I followed their advice. On XX/XX/XXXX an agent cancelled the card that I had at time that was shown to have been used in the XXXX ( which I have never traveled to ) and a new card was issued to me. However, before the new card arrived the scammers contacted Capital One and was able to change all of the information on my account. Even though Capital One was alerted that my card and personal information had been compromised and misused by unauthorized users, they allowed the scammers to change all of my account information, the name on the account, username, password, security questions, etc The name on the account was changed to XXXX XXXX. I have never come in contact with a person of that name and since I have had the account since XX/XX/XXXX I have been the only authorized user on the account. On XX/XX/XXXX, I again called Capital One and I was informed by an overseas agent that my account information had been changed again, a new card issued and that there had been an unauthorized transaction of {$2500.00} on one of my accounts and {$400.00} the other account. I again attempted to add more security to my account and for the account to have strict password protection. But, even after all of my efforts, additional cards ( # 4,5 and 6 ) were shipped out by XXXX I believe there is a language barrier with the overseas workers because I can not fathom how all of this activity was allowed on my account especially after I informed Capital One that there was fraud on my account. Moreover, Capital One and their agents continued to assist the scammers my not protecting my account once I begged them too. They even continued to send out additional credit cards to whomever after I requested them to stop sending anymore credit cards. To support my case, I have records from all three credit bureaus, the DMV and the IRS that shows that my address has not changed. Does Capital One have a fraud detection of some sort to protect their customers? At what point does the organization feel the responsibility to their customers to let them know that their personal information is being changed and altered by unauthorized users? Is it really that easy for someone to hack accounts and change your personal information on an account that youve had for years and never changed this information before? Also, I do not understand why Capital One continued to send out new credit card for my account after I informed them of the fraudulent activity. Lastly, it was very stressful working with overseas workers from Capital One. They do not have a strong grasp of the English language making communication very difficult and painful. I feel tormented by Capital One and I am the victim in this case.
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10/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX I had XXXX fraudulent applications made for a XXXX and Capital one credit card. I received the alert for the hard inquiry made on my credit report. I called XXXX and I was able to resolve the issue that same day. The card was never issued.
Capital one said that they had no record of any application being made using my information. I told them I had also received a phone call from them asking about my application. They told I had nothing to worry about and they would investigate. I took the necessary precautions like freezing my credit, calling the credit bureaus and I made an identity theft report to the FTC. A little over a month later I receive another call from Capital one about the fraud. They let me know that there was a credit card in my name that had a balance in the hundreds. They would not give me any information on the account and they told me that they would continue their investigation and freeze the account. There were still more charges made on the account after I spoke to them.
A few weeks ago, I spoke to them again after I missed their call. The results of the investigation showed that the account was mine/that I had benefited from the account and that I was responsible for making the payment on the balance. They still told me that they couldnt give me any information in the account despite claiming that the account was mine and that there was nothing else I could do. They claimed that all the information demonstrated that I opened the account, yet they wouldnt help me verify any information on the account. They claimed the account was mine, yet treated me like if I had no control over the account. I have not been able to verify the address, email, or phone number on the account. They claimed that it was all connected to me by public record and had up copies of my ID and my signature was verified. Every time that I have called they have given me very different responses and are not straightforward. I believe that they are intentionally doing this to keep the account open as it is better for their business. They have made the process overly difficult asking for printed letters and to send via regular mail. Reporting fraud should not have so many hurdles. Especially not more than it takes to open a new credit card in the first place! It does not make sense that XXXX handled this issue in less than XXXX minutes and stopped the account from being opened, while Capital one has dragged out the process for months and even issued the card after claimed that it was identity theft/fraud. This parallels the XXXX XXXX fraud years ago. I have no need for a Capital one credit card. I have multiple cards with credit that I dont even use and that provide me better benefits than Capital One. If you check the purchases and other information on the account/application, I am sure you will find that this credit card was fraudulently opened. I can provide copies of my current id, phone number, etc. to help prove that I did not open this card. I dont have documents like a contract or anything because I have not received any statements or other mail pertaining to the credit card. I have been communicating with Capital one via phone. I dont know who opened the account, the XXXX number, the billing address, the email, or phone associated with the account. I only know the card is in my name with my social security number because I saw it on my credit report.
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07/15/2015 |
Yes |
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Web |
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I have a CapitalOne " World '' Mastercard, which has a cashback bonus program. I always pay the balance in full each month by using CapitalOne 's website to schedule a withdrawal from my checking account, to occur on the due date. To make my most recent payment, I redeemed most of my accumulated cashback bonus for an account credit, and ( as I normally do ) used CapitalOne 's website to schedule a withdrawal from my checking account, setting the amount to the difference between the balance due and the cashback credit amount. After the due date, I got an email from CapitalOne saying they were charging me roughly {$10.00} in interest. I called them to find out why, and the representative told me that CapitalOne does not count credits ( including both cashback bonus amounts and refunds from merchants ) as " payments '', and so they do n't reduce the amount you owe for a prior statement period. Instead, CapitalOne nets such " credits '' against the purchases you make during the statement period in which they occur, reducing the amount that you will owe on the *next* statement. This delay in accounting for credits seems to me to be unfair, illogical, and not in keeping with how such transactions are treated by other providers in the industry. Certainly, it is not how cashback bonus redemptions or refunds are treated in my XXXX and XXXX XXXX XXXX credit card accounts. I always pay the balance on those cards in full each month, and whenever I have a cashback bonus redemption or other credit to my account, I reduce my payment accordingly. I have been doing this for over a decade, and XXXX and XXXX XXXX XXXX treat those " credits '' just like any other payment.
Further problematic, to my mind, is that CapitalOne 's treatment of credits is conditional on subsequent transactions. This seems even more unjustifiable. Specifically, if, after a statement period ends, your subsequent " credit '' transactions exceed subsequent purchases, then ( and only then ) the amount you need to pay to avoid finance charges is reduced by the difference. So for example, let 's say your statement for XXXX XXXX - XXXX XXXX shows a balance due of {$1000.00}, with payment due on XXXX XXXX. Then, on XXXX XXXX, you get a refund of {$300.00} ( say, because you returned an item you purchased in XX/XX/XXXX ). Under CapitalOne 's policy, that {$300.00} does not *necessarily* reduce the amount you need to pay by XXXX XXXX to avoid finance charges. If you charge nothing during XX/XX/XXXX, then you need only pay {$700.00}. But if you charge {$300.00} or more, you have to send CapitalOne {$1000.00} by XXXX XXXX. I can see no legitimate justification for this inconsistent treatment of the credit transaction. Either CapitalOne got that {$300.00} before the due date, or it did not. Its inconsistent treatment of the credit seems like an attempt to hide an improper policy from scrutiny by tempering its most egregious effects.
A further ridiculous consequence of this policy : a direct redemption of a cashback bonus for statement credit is not a " payment '', but if the cashback bonus is credited to my bank account, and I then send the money right back to CapitalOne, it is.
CapitalOne 's odd practice is a trap for the unwary. At the very least, it should disclose the practice clearly, unambiguously, and prominently, in a location and context that ensures consumers will understand and be able to account for it.
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01/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have a Capital One Venture X card that was enrolled in XXXX XXXX and registered in time for the {$200.00} vacation rental credit. I have included in the T & C for the benefit as part of the Venture X program.
I made a transaction on XX/XX/XXXX with XXXX for the amount of {$600.00} that qualifies for a {$200.00} credit. It states that transactions should appear within 1-7 business days but may extend to 2 billing cycles. Back in XXXX when my 2nd billing cycle was posted and due on XX/XX/XXXX, the {$200.00} credit did not show up, so i reached out to Capital One customer service to inquire why it has not showed up. I have made several attempts to resolve this. Here are some quick summaries of the call with no resolution and no help.
1st Call Around early XXXX : Checked on status as it was past 1st billing cycle, advised to be patient, it'll come.
2nd Call in late XXXX : Advised Customer Service my 2nd billing posted and i do not see the credit. They acknowledged and open up a case. They said it would take up to 10 days to resolve this case.
3rd Call End of XXXX as it approached the 10 days, said give us time as the holidays do not count as part of the 10 days.
4th Call in early XXXX ( passed the 10 days ), they advised to give them 1-2 more days for a response as they are possibly back-logged.
5th Call ( as 12-13 days passed ), they advised no update but there is a case manager assigned to review tomorrow.
6th Call ( as 14-15 days passed ), no updates and told me to be patient. This post usually takes up to 3 billing cycle, which is NOT consistent with the XXXX XXXX XXXX.
7th Call ( as 17-18 days passed ), told me they have no update and there's nothing they can do. They then advised XXXX has to provide the credit so they can not do anything. ( Meaning opening up a case was pointless they can't take any action to a program benefit that has explicit T & Cs ). They again changed the narrative that 1-2 billing cycle means 8 weeks after the transaction ( which is not true because each transaction does not create a new billing cycle window, this is clearly defined when my billing start date begins and ends ). The Customer service kept repeating i can't help you.
The calls are getting more and more frustrating as I follow-up based on their advice and there has been no action or resolution. As time passes by, there are more excuses and deviation from the actual T & C stated with this credit card. This is a benefit that the transaction qualifies for and it is noted in a popular forum XXXX, many other people having the same issue : XXXX XXXX XXXX
" 1 Eligible Venture X accountholders will receive a statement credit for up to {$200.00} for qualifying vacation rental purchases. Purchases must be charged to your account and appear in your account statement within your first year as a cardholder to qualify. The {$200.00} statement credit will be provided as a single credit if the purchase is greater than or equal to {$200.00}, or in multiple statement credits until the total vacation rental purchases are greater than or equal to {$200.00}. If the credited vacation rental purchase is canceled, the statement credit may be removed from your account, though it can be reissued on any past or future vacation rental purchases up to {$200.00}. The credit should appear in your account within 1-7 business days, but it may take up to 2 billing cycles after purchase... ''
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09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2022 we purchased from XXXX XXXX cabinets and cupboards for a total charged on our Cabela 's Charge card, administered baby CapitalOne for {$10000.00}.
We received the purchased merchandise on XX/XX/2022. Immediately, once the kitchen merchandise was received we contacted XXXX XXXX XXXX about the many broken, warped, maligned issues with the merchandise. On XX/XX/2022 a representative from XXXX XXXX arrived to review the issues and agreed that there are many issues with the merchandise. No one from XXXX XXXX XXXX would help us so we put in a dispute with the Capital One credit card company for which the accepted our dispute case.
Please note that 3.5 weeks went by and XXXX XXXX XXXX would not communicate about the issues with the merchandise. We sent over 125 photos of issues. No response from XXXX.
Once XXXX received notification that a charge dispute, according to the letter from Capital One, XXXX stated that " notification that goods were as described and received in good condition ''. This statement from XXXX XXXX XXXX was not correct for we immediately contacted XXXX XXXX XXXX and stated that we have big problems and they acknowledged these issues because XXXX set up for the XXXX XXXX representative to review the issues and our home. In essence XXXX LIED to Capital One.
Capital One requested more information from us and we sent over to Capital via fax 23 pages of additional photos, information that they requested yet Capital One has gone ahead and released the funds to a total of {$10000.00} without our permission, never contacted us to discuss and we still do not have a remedy to the faulty merchandise which is why we pay with credit card, for the protection for the buyer of the purchase.
On XX/XX/2022 we received a letter in our mail a letter from Capital One stating that our money had be released to XXXX for the purchase despite our requests to them that the issues had not be remedied. WE phoned Capital One and spoke to several individuals who blatantly LIED to us as well.
XXXX, employee ID XXXX stated that Capital One does not make these decisions but that it falls into the hands of XXXX. We then spoke the XXXX 's XXXX, XXXX, who could not give us any information as he redacted and fell over his words. He had no idea as to what the protocol was for these issues.
We then spoke to XXXX, XXXX call reference # XXXX at XXXX MST at XXXX. XXXX stated that XXXX does not provide protocol in disputes but that these issues fall into the hands of Capital One but that is not what XXXX, the first representative stated from Capital One and the XXXX there could not assist because he just was there and didn't know.
So, we are putting in a this dispute to say that we have been lied to, duped and not protected by the credit card Capital One ( CAbela 's ). We have not received any assistance from XXXX XXXX XXXX for whom we paid to provide us merchandise for which we requested.
WE provided pages of requested information to Capital One yet because the merchant provides a false one line explanation to the company, the consumers, which is us, is not protected and we still do not have a kitchen since the end of XXXX of XXXX, XXXX. But XXXX has been paid and they will not communicate with us, accordingly.
We have been lied to and treated wrong from a merchant and lied to from the Capital One credit card company too.
XXXX and XXXX XXXX XXXX XXXX ( XXXX )
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05/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I made a payment through bill pay, electronically from my XXXX Bank account on XX/XX/XXXX in the amount of {$100.00}. to Capital One. The payment was supposed to be paying off my XXXX XXXX XXXX account that Capital one took over because Lord and Taylor closed. I mistakenly sent this one payment on XX/XX/XXXX for {$100.00} through Bill Pay to an old closed account with Capital One. I realized this when I looked at my statement and noticed I never received credit for that amount and then I also realized that if they had received that payment I had paid too much and they owed me {$35.00}. So after contacting Capital One and explaining this to them they gave me a credit adjustment of {$100.00} and asked me to provide a copy of the electronic transfer report from my bank. I send them a copy of the confirmation page and number and a copy of my statement, showing the transaction. Capital One said that was not good enough and that needed to have the Bank said something. So XXXX Bank send them proof of payment I would say at least 3 or 4 times and they are still not satisfied. I even had a supervisor at Capital One contact XXXX Bank and walk them through exactly what they require and Capital one is still saying it's not enough. The Capital One Credit division supervisor can not talk to the area where all this paperwork is being sent so all they keep on saying is that it's not enough. XXXX Bank said they have sent everything they possibly can send proving that this was paid to Capital one and there is nothing more they can do on their part, especially because this payment was sent electronically. Now, this has been going on since XX/XX/XXXX. I have spent hours on the phone and many months of pure frustration to the point where I said I can not allow this to affect me this much and decided to let me deal with this at another time. So after the last letter from Capital one DATED XX/XX/XXXX said ( because we didn't receive the documents they requested the credit adjust they gave me for {$100.00} would be put back on my account. ) I went and paid the balance of {$68.00}, through bill pay, to the correct account number, and this time it went out by check. According to XXXX, the check was sent on XX/XX/XXXX and they should receive it no later than XX/XX/XXXX. Guess what, would you believe that I received a late notice from XXXX XXXX XXXX via email yesterday XX/XX/XXXX, that they never received payment and they charged me a {$29.00} late fee!. So now here I am again today on the phone with a Capital One Supervisor explaining what had occurred and their hands are tied so all she could do was credit me back the late fee and had me pay this again over the phone. I then had to call my bank and request that they waive the stop check fee, after explaining to them this nightmare that I am having with Capital one. They did and I hope and pray that the stop payment works.
I have now made 2 payments of XXXX, only one should go through, and {$100.00} on XX/XX/XXXX. They owe me {$100.00}.
I am beyond frustrated and feel like my hands are tied behind my back I can not believe this is happening and I feel like there is something going on in the Credit card area of Capital One, especially now that my check that was sent out electronically to the correct address on XX/XX/XXXX and it was never received.
I need your help, I don't know what else to do. Please help me resolve this. Thank you
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05/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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From : XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX Dear XXXX : Thank you for contacting the Ohio Attorney General 's Office.
The XXXX XXXX XXXX has reviewed your complaint. Unfortunately, our office is not able to perform informal dispute resolution for complaints against national association banking institutions because those institutions do not fall under the purview of the Ohio Consumer Sales Practices Act. The institution in your correspondence is regulated by the Office of the Comptroller of the Currency. You may reach their office by using the contact information provided below.
Office of the Comptroller of the Currency Customer Service Group XXXX XXXX XXXX, Suite XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XXXX XXXX Again, thank you for contacting our office. If we can be of assistance to you in the future, please feel free to contact us.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of Ohio Attorney General XXXX XXXX XXXX Dial : XXXX Toll Free : XXXX I made a complaint regarding Capital One applying my payment from the wrong bank account and using info from previous account as I had closed that account and have never attempted use it. I was paying my balance in full each month and using this account allowed for a missed payment, late fee and interest added. When I called they acted like they had no clue and didn't offer to try to resolve the issue and refused to remove the fee. I had never requested this and it was only my third month with the card. They hung up on me when I asked to speak to someone else. I was then passed around four times and placed on intermittent hold that lasted over XXXX XXXX and XXXX, I believe XXXX XXXX shy of XXXX XXXX. Finally, in a patronizing fashion some lady said she would take it under advisement and I would know in XXXX XXXX, but she wasn't going to recommend it. I have never been so mistreated, patronized and waste my time like its their full objective. When I called back yet again the next day, I received the credit in record time with no questions as a one-time courtesy ... I would have preferred them finding the error and correcting it but this was at least some progress. I had paid the balance in full but because of the late charge I owed a balance, but then I got that corrected but was billed interest yet never sent me a bill to my home or email. I then owed another late fee and they closed my account upon receiving notification I filed a complaint which shot my nearly gained credit score, the reason THEY solicited me to get the card in the first place. I received an email after the due date of this last payment cycle letting me know that I went from owing them XXXX to almost {$72.00}. This company solicited me ; charged the wrong ( closed ) account and then charged me late fees and interest. Then was rude and disrespectful and passed me around to five total agents for almost XXXX XXXX They were smug and very in my face how they would get me back. I couldn't imagine what they meant. I told them I was paying the account off every month to improve my credit and so they CLOSED the account resulting in a 65 point drop and put my car buying on hold as well as just dumped on me in a way they had no right to do. I have paid them the {$72.00} as I know they will just keep adding more on. They owe me the {$72.00} back as well as an apology and restoration of my credit score. They solicit me and then crapped all over me.
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02/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is about my credit card company, Capital One, reneging on their commitment to protect their customer, me, from fraudulent use of my account.
-On XX/XX/XXXX, a cash advance was made on my account in the amount of {$400.00}.
-On XX/XX/XXXX, a purchase was made at XXXX XXXX in the amount of {$1100.00} using my account.
-On XX/XX/XXXX a cash advance was made on my account in the amount of {$380.00}.
I did not make nor authorize these transactions.
Cash advance fees and interest have been accruing to these transactions since. See details, attached.
Upon noticing these charges on my online statement on XX/XX/XXXX, I called Capital One to notify them of the unauthorized use of my account. The charges were credited back to me on XX/XX/XXXX.
On or about XX/XX/XXXX, I received two letters from Capital One, both dated XX/XX/XXXX. The first informed me that the charges had been refunded to my account. The second informed me that the charges were being re-instated due to the writer having found no indication of fraud. Copies attached.
I once again called Capital One. The first representative I spoke with told me that, as they had determined the chip was used to authorize these transactions and that I stated that the card had never left my possession, which it hadnt, I must have made these transactions. In an effort to be helpful, this representative called XXXX XXXX while I was on the phone. All the XXXX XXXX representative could confirm is that I have made no purchases from XXXX XXXX since XX/XX/XXXX.
I was subsequently passed on to a series of representatives in the fraud department. When I told the last one about a previous representative calling XXXX XXXX, he said, yeah, well she shouldnt have done that.
As I protested that I had not made these transactions, the representative asked me how I opened the account. I told him I didnt remember ( I opened it in XXXX of XXXX and have never paid late and almost never have carried a balance ).
He told me if I couldnt tell him how I opened the account, he could find that I opened it by fraudulent means. Apart from being abusive and insulting, his insinuations on behalf of Capital One that I am a criminal and a liar are defamatory.
Our conversation ended with him telling me that I would have to pursue any further remedy on my own, that I should fax Capital One to obtain further details about these transactions and go to my local police.
I faxed the request on XX/XX/XXXX. I have had no response as of XXXX XXXX, XXXX.
I filed a report with my local police department ( XXXX, NJ ) on XX/XX/XXXX. The transactions took place in XXXX and XXXX XXXX in New York state. The polices investigation determined only that XXXX XXXX keeps security video for fourteen days and therefore any exculpatory evidence it may have provided is lost. Copy attached.
On XX/XX/XXXX, I sent a letter by certified mail to the fraud department at Capital One disputing the charges and disclaiming responsibility for them. I have received no response from Capital One as of XXXX XXXX, XXXX. Copy attached.
Please note discrepancy of transaction dates between capital ones statement and letters from their fraud department.
I have paid my legitimate obligation to Capital One in full. The balance that remains on my account, {$2000.00} as of XXXX XXXX, XXXX, represents the unauthorized transactions plus interest and fees on same.
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06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
On or about XX/XX/XXXX, a check was sent from XXXX XXXX XXXX XXXX to Capitol One to pay off my auto loan. That check had the VIN number of the vehicle but not my name or account information. Capitol One states that this is not their error in processing the check. I called once I was informed that Capitol One had received the check to ensure the payment was going to be applied to my account. I then called multiple times between XXXX and XXXX as I was noticing on the Capitol One app that my account was not being paid off. On two occasions I was informed that they did indeed have the check and that it was being processed and that my account would soon show paid in full. I was even waived of a late fee as they could see the check being processed for my account. Towards the end of XXXX I started getting calls to make payments on my loan and I insisted that the check was being processed and I didn't need to make a payment I was told that XXXX XXXX had requested the money back, a bold face lie. This was compounded on the lies I had been told that my account was going to be paid off. Capitol One sent a check back to XXXXXXXX XXXX with the exact information that XXXXXXXX XXXX had sent. I asked the representative at Capitol One to call XXXXXXXX XXXX to get this taken care of and was told that they were a third part in this matter and couldn't do anything. I contacted XXXXXXXX XXXX and had XXXX call Capitol One. The representative at Capitol One told us that this is in no way their fault and that we needed to pay a higher amount than the original check was for. XXXX said we would make arrangements for this and would wire this amount over. When he sent this wire it was returned with a charge of {$45.00}. XXXX then reverified my account number to resend the wire transfer. He also asked me to verify the payoff amount so I checked the Capitol One app and saw that it stated my loan was paid off and I was getting a check for {$7600.00} for over payment. Since we hadn't had a payment processed yet, XXXX attempted the wire transfer again but again it was returned and I was charged {$45.00}. I called Capitol one as was informed that my loan was indeed paid in full on XX/XX/XXXX, and that I would get a check on XX/XX/XXXX. However, there was a issue with an insurance check that had been deposited into my account in error and on XX/XX/XXXX that was fixed so my account was again showing due and I was assessed another late fee. I had XXXX contact Capitol One again to resolve the situation and after a few issues with customer service, I was finally able to talk to someone that was going to help. XXXX, from Capitol One asked us to send a check for the original amount from XXXX and over night it to get this paid off. He stated then I could call and have a quick conversation with someone to process the request for that amount to be honored. When I called today to have that occur, the representative stated mater of factly that they would not honor the request for that original amount and that I would have to pay the additional amount of XXXX to pay off the loan. Where XXXX was unsure about me getting the {$90.00} returned funds fee, this representative stated I just needed to provide the statements that show this and I would get this returned. Since I have been lied to this entire time during this process getting this taken care of I do not believe they will honor this payback either.
|
04/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
I RECEIVED EMAIL XX/XX/XXXX ( after submitting request for card online per mailed offer ) : " '' On Monday, XX/XX/XXXX XXXX XXXX, Capital One wrote : More on your credit card application decision ( 2 ) XXXX XXXX XXXX : Thank you for your interest in a Capital One ( reg ) Credit card.// We are writing to provide you with additional information regarding the decision to decline your recent application. // Recognizing this isnt the answer you were hoping for, we want to help you understand why and have explained the reason for this decision in a secure letter.// You can access this letter with a unique user ID and password. Once accessed, you may download or print a DPF of the letter for your records. 'Access you Letter ' - Sign-In Instructions example only. 'TO GET SECURE LETTER'.Sign in instructions : Your user ID is your email / xxx.xxx / SSN/last 4 / Birthdate MMDDDYYY 5 digit ZIP '' '' /// LINKED SITE : " Please click on the icon below to view your secure letter from Capital One. Once you open the letter, you may print it or download it to retain for your records. Don't see what you are looking for? Log in again. To view your letters, User ID and Password must be an exact match to the information you provided to Capital One on application. / Update search criteria by expanding Document Date range or Documents Displayed Per Page. Click Search button. '' '' /// ENTERED SITE // results : " No documents found. / If you believe you have received a phishing e-mail that claims to be from Capital One, forward the suspicious e-mail to XXXX. '' '' / MY email was FAILURE TO DELIVER to either Capital One nor to OIG.gov After clicking on contact boxes of Cap One email ; I EMAILED on XX/XX/XXXX to OIG and to CapOne ( ( XXXX XXXXXXXX Failure TOO LARGE and " No Permission to contact OIG '' /// I RECEIVED VIA U.S.P.S. MAIL AN UNSOLICITED OFFER TO APPLY FOR " PREAPPOVED '' CREDIT CARD ... I HAVE THE COPY AT HOME LISTING ALL OFFER. I DECIDED TO APPLY SINCE I WOULD LIKE TO BE ABLE TO TENT A VEHICLE FOR " VACATION '' PURPOSES. I DO MAKE MORE THAN {$420.00} OVER THE RENT/UTILITY PAYMENTS - THIS IS LISTED AS THE CRITERIA FOR APPROVAL. AGAIN, IT WAS WRITTEN AS " PREAPPROVED ''. THE LETTER STATED TO APPLY ONLINE ( VIA SECURED APPLICATION SITE ). I DID THIS. I RECEIVED THE ATTACHED FORWARDED EMAIL. I ENTERED THE SITE, ENTERED THE REQUIRED INFORMATION. THE RESONSE IS " NO DOCUMENTS FOUND ''. I REQUIRE A LEGITIMATE COPY OF THE REFUSAL. I ALSO AM REQUESTING REVIEW OF THE ENTIRE PRECEDING INCLUDED THE MAILED OFFER AND THE ONLINE " REFUSAL '' AND INABILITY TO PROVIDE THE LETTER AS WELL. ** REMEMBER ** - THE OFFER STATED " PRE-APPROVED '' AS WELL. *** YOU MAY CONTACT ME VIA EMAIL, U.S.P.S., AND MY CELL PHONE ( THE ONLY NON PROTECTED ITEM ON THE INFORMATON. MANY PHONE NUMBERS ARE USED BY MULTIPLE PERSONS. MANY PERSONS USE MULTIPLE CONTACT NUMBERS. THIS CELL PHONE IS PREPAID ( BY MYSELF ) AND I HAVE HAD IT FOR 3 1/2 YEARS. RARELY HAS A FRIEND USED IT in " EMERGENCY ''. I USE THE PUBLIC ACCESS COMPUTERS AT MY LOCAL LIBRARY ( THIS INSTANCE IS XXXX COUNTY FLORIDA, XXXX XXXX FL ). IT ALSO IS " SECURE '' AND USUALLY OFFERS BASIC USUALLY COMPATIBLE SOFTWARE FOR MOST INTER-BUSINESS SITES. THANK YOU FOR YOUR IMMEDIATE INTEREST IN THIS MATTER AND YOUR APPROPRIATE IMMEDIATE RESPONSE. SINCERELY, XXXX XXXX XXXX ( this was not delivered. I went online Capitol One and it was a dead-end as well.
|
02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
The following accounts has been in dispute since XX/XX/XXXX. All of these accounts have been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically.
CAPITAL ONE Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX When I first disputed this account CAPITAL ONE Account Number : XXXX noticed the dates of last payment was different. I dispute this account again in XXXX and the Date of Last Payment stated : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX , XXXX XX/XX/XXXX. which is why they are reflecting multiple late payments. These late payments need to be removed due to different dates of payments being reported.
XXXX XXXX Account Number : XXXX the dates of last payment are different. Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX.
XXXX XXXX Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX the dates of last payment are different Date of Last Payment : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent a written response for all of these accounts and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information.
Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last payment on the following accounts.
CAPITAL ONE Account Number : XXXX still has different dates of last payment Date of Last Payment : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX XXXX XXXX Account Number : XXXX still has three different dates of last payment XXXX XX/XX/XXXX , XXXX shows a date of XX/XX/XXXX and and XXXX is XX/XX/XXXX XXXX XXXX Account Number : XXXX has three different dates of last payment XXXX has a date of XX/XX/XXXX, XXXX XX/XX/XXXX XXXX has a date of XX/XX/XXXX.
XXXX XXXX Account Number : XXXX they have three different dates of last payment consisted of XXXX shows a date of XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still showing multiple different dates of late payment under the payment history and missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
|
10/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
I have been a Capital One client for many years and about two years ago I opened my Venture Credit Card account. Last year I received a multiple promotional letters and emails inviting me to take advantage of the 0 % promotional balance transfer offer which I took advantage of the offer as I thought it was a good option at the time. I always maintain enough cash on my accounts to pay the balance in full and to avoid additional interest assessed to my account, my intention was always to pay the balance in full once the promotional rate ended. I was very diligent in reviewing my statements for notification of the end of the promotional period. In my experience from dealing with the other major credit card companies, they have readily disclosed this information in the statement or sent a letter advising of the promotional rate end date to allow consumer to make a conscious decision to pay off the balance. Fast forward to XX/XX/XXXX, after failing to find this information in the XXXX statement, I called customer service to inquire about the date when promotional period will end, to my surprise I was advised the promotional period ended on XX/XX/XXXX and I will be assessed the finance charge on XX/XX/XXXX once the statement is generated. When I asked the representative why this information was not readily available on the statement or on the website, the representative simply replied this is not something that we do.
On XX/XX/XXXX, after the interest charge in the amount of XXXX was posted on the account, I have paid the entire balance ( Including assessed interest ) of {$18000.00} cents in full to avoid further charges. I also called customer service and once again expressed my dissatisfaction with companys deceptive and somewhat predatory practices of enticing consumers with offers and consequently failing to make important financial information readily available for customers with intent of assessing hefty finance charges. Once again without any hesitation I was told that including end of the promotional balance period is not something that the company chooses to do and the finance charge will remain on the account.
Im sure most customers, including myself, rely on the monthly statements as well as online portal to review transactions, statements and other important information. Just as many others, I pay close attention to my accounts, however in this particular case I feel company failed to transparently disclose basic, yet materially important fact on their statement or the website such as the date of the end of the promotional balance transfer and therefore entrap consumers to pay additional finance charges. Im sure that adding one line disclosure with important information that will help consumers make educated decision and avoid additional finance charges not only a good business practice, but also companys responsibility to its customers. And since all other major credit card companies employ this practice, given Capital One size and its reputation of a company who cares about its clients, Im sure adding this information to the statement would not be an issue. After speaking to several representatives, without even examining the statement, they have out right stated that this information is not disclosed on the statement which leads me to believe its a wide known issue and that company deliberately chooses to hide this information from its clients.
|
09/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Im filing this through the CFPB because while weve been with Capital One, weve had very few charge disputes but when we have had them, its amazing how poorly Capital One handles them and it all started off bad when visited their online resources to file the dispute and it simply ended with telling us to just call. I do such things like now XXXX-ish and dont, or cant call now I dont know any other bank/cc company that doesnt let you file a dispute purely online which goes along with our past experiences with this that they just havent given the dispute process the proper attention.
Oddly and just very coincidentally we havent had to file a dispute in years but oddly have two to file.
The first dispute is against XXXX dated XX/XX/2019 for {$520.00}. The reason is they failed to deliver a suitable product/service. We had been working with an XXXX vendor for over a year and that amount was really just to fix issues that they should have fixed without charge. The vendor is not trustworthy so the only way I would proceed was using XXXX XXXX XXXX program. After it took the vendor over a month ( it was supposed to take a week ) then the units still were not suitable and they refused to correct the program. I filed a claim with XXXX and had various issues with their form. It could only take certain file types, only so many characters, all these hoops and due to this I missed the time period for the dispute however, the email notifying me of that indicated no problem, just email them and they provided the email address ... Well, that email address got kicked back as didnt exist and when clicked on the feedback link in the same email it went to a page that didnt exist. I tried to contact them using some other email addresses but there was never a response and that was nearly two weeks ago. I have continually tried to work the issue out with the vendor and those efforts have failed with them now declaring not only will they not correct the program for the product but also that they own the program which is just an example of XXXX stealing intellectual property as well!
The second dispute is against XXXX XXXX on XX/XX/2019 and for {$400.00}. I tried to resolve this through XXXX and completed their form only to be told that form would only go to the business to try to resolve it and to be back in contact with them if it didnt resolve it. I already tried with the business, thus went to XXXX and now CapitalOne!
This was for a tri-fold brochure and everything started great with the company, they set the file perfectly ... however, once the brochures arrived I instantly noticed the folds were incorrect. I did send a pic where can clearly see that primarily the right fold is very far off. The other fold is just slightly off.
I contacted them and instantly they said it was correct so clearly they had no desire to correct their mistake. After a couple emails back and forth they simply stopped responding. Instead they wanted me to jump through hoops and file some online form, take more pics ... which I refused to do, the issue is very obvious and I told them they can gladly have them sent back to them if they desire, these can't be used as is, no response to that suggestion. I also told them that instead of trying to get customers to jump through such hoops, why don't they fill out a quality control form where someone checks orders before then run an entire batch!?!?
|
09/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
On XX/XX/2018 I was contacted by Capital One about fradulent chargers on my credit cars. They were numerous and the smallest was XXXX and the most was XXXX. They helped me wipe all of those chargers except ones made to XXXX XXXX Those charges totaled {$44.00}. The associate told me they needed to reissue me a new card so they did and sent it to my residence. Before the card arrived the same fraudulent person flipped my card on and continued to make charges, this is after being assured my fraud claim was being investigated. I then called to have them freeze all online banking, diligently sought to wipe my card from any sites ir reoccuring payments. I called to see why the XXXX XXXX persisted on my bill, after I knew I had no balance of my own for the month of XXXX at the end of the month the supervisor insisted I have to pay the XXXX to XXXX XXXX. They said in 40 days they would hear from XXXX XXXX about the investigation they were pursuing about the fraud. I payed it on XX/XX/XXXX and the capital one representatives told me they had to reissue a new card while they waited for XXXX to respond and then they would credit me. I did not want another credit card number reissued becuase the fraudulent charges would still continue becuase my count was still compromised. They insited that I needed to wait until XXXX XXXX resolved their investigation and responded in the 40 days. I reluctantly was convinced to reissue a new card becuase they made it seem as if the XXXX XXXX was the original place of the hack and that once XXXX investigated the faurd my capital one account would not be compromised. They reissued a new card again. It was turned on again not by me on XX/XX/2018. I did not notice any charges and started to use my card makin 3 purchases over the coming statement month. I checked my online account portal on XX/XX/XXXX and noticed a charge I did not make. It was to XXXX for {$14.00} made on XX/XX/XXXX. I wa supset and tired of being assured my privacy and account was safe with Capital one. I called and they said they had reimbursed my outside account I use to pay my capital one balance with but I had not seen the money. The operator repeatedly avoided my request to close the account. She said she must first issue me a new card so that thr XXXX charge could be investigated and disputed and that she would need my account to stay open to do so. I had to repeat myself insiting to close the account and I no longer wanted to do buisness with capital one for failing to protect my account. She repeatedly avoided closing the account and insited again and again that I would have to just keep my account open and reissue a new card. I asked to please just wipe the XXXX charge that is fraud and close my account which she refused. So I conceded to assuming the XXXX charge as my responsibility and just pay it in order to get this supervisor to close my account. She reluctantly close it and I felt as if I had to fight my way out of doing buisness with them. I should not have had to face such confrontation. If I had not been a semi informed consumer thanks to websites and organizations like this one, I would have been taken advantage of. A consumer should not have to feel like they are being kept hostage as a costumer. I myself contacted XXXX after this phone call and she eventually closed my account and they then deleted the charge and closed the fraudulent account.
|
12/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
My car was hit on XXXX by another car a and that car was insured by XXXX XXXX. XXXX XXXX took the responsibility to pay for the damage. Their agent took all the necessary action by reaching out to capital one auto finance regarding the accident claim. All the time when was reaching out capital one auto finance I was also on the call as a witness with my husband. So the first capital one auto finance agent the insurance agent had on the phone regarding the issue refused to talk to him because he was not authorised then I had to give verbal authorisation. The second agent on the phone with the insurance agent state that the car is a total loss and they using email to handle this type of issue so all the filing documents can be sent via the email the insurance agent never received any email back after a week decided to call back the other agent from capital one said they not responding with email but they use fax the XXXX agent resent the documents via fax no response after a week decided to move fast with the process by issuing a check in order to close tbe claim. So I was on the phone with the XXXX XXXX agent with my husband and the capital one agent then another version the capital one agent we had this time could not recall all the previous conversation like nothing was notated on my account. But after few questions and exchanges I told my decision to retain the car and the XXXX agent stated that he will then be issue a check of XXXX because I am keeping the the car and also after the check is processed I will be contacted by capital one to take care of the remaining balance and I gave my verbal agreement and after my remaining balance is posted I get the title of the car.
A check was issued on XX/XX/XXXX paid to capital one auto finance for my auto account. The check has been cashed by capital one auto finance on XX/XX/XXXX and not applied toward my loan.
No communication received from capital one auto finance stating they received a check on my behalf and here is your remaining balance you have a certain time to pay the remaining balance before we can issue your title. They failed to communicate with me. Until I decided to call them this morning XX/XX/XXXX first capital one agent stated they haven't received a check. Second call the same day another capital one agent stated that they had the payment but they can't apply toward my account because XXXX didn't tell them if I am keeping the car i told that capital one agent how I was tired of their movies they making around applying this amount toward that loan so I can pay the rest of the loan an move on.
And also told the agent that all the actions took by the insurance I was on the phone nothing was notated regarding the different conversations every agent tells a different story. Couldn't resolve the issue of applying the check. I had to add the XXXX agent that took care of the claim to the call so he can speak foe himself. He explain all the actions took before issuing the check the lady couldn't help us so she will transfer us to their insuramce department.we wait no one picked up and we got disconnected. I called again ask to speak to a manager and another agent said they don't have any manager. Ask to be retransfer to their insurance department the same capital one agent stated they don't have any insurance department. I told that agent I will then take a legal action against their service.
|
11/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
Im a victim of identity theft someone use my info when I lost them back in XXXX thats why I have a fraud alert on my credit I called 1 month ago on the phone with capital one the guy told me since I did file a police report and identity theft report they told they they gon na stop reporting inaccurate information on my report and remove the collection but they didnt sooner or later you gon na hear from my lawyer if you dont remove within XXXX business days of receiving my notice. And they abusing my credit on XX/XX/XXXX I receive a message from credit report saying i went over my limit on my credit card knowing Im a victim and I dont have any credit card with this company which is illegal. AND A CREDITOR NOT ALLOW TO SELL FRAUDULENT ACCOUNT TO A DEBT COLLECTOR Please explain why? Before I take legal action Police report number XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX. is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX. is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX before me today present as a flesh and blood living being ( Non entity/non debtor ) under oath to the most high of creation only and provided the facts listed hereir XXXX XXXX XXXX XXXX Sworn to or Affirmed by and subscribed before me on the. XXXX XXXX : XXXX XXXX Notary Signature : XXXX
|
04/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
I reluctantly opened a Kohs charge card with encouragement from one of your cashiers XXXX XXXX . In XXXX XXXX our family moved from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX . We forwarded our mail for 90 days and had the post office notify senders of our new address. Upon moving, we continue to receive mail from Kohls including promotions and sales. We did not receive any statements, however, we did not find it odd since we had just opened our account and had a zero balance. Fast forward to XXXX XXXX , my wife charged the Kohls card. The attendant asked to verify our address, she notified the cashier that our address had changed, updated the old address to our new address, and waited for the bill to arrive. However, the bill never came. When returning some items to Kohls after the XXXX holiday, we were made aware that our account was past due. We apologized for the late payment and paid the account in full that day in store. At this time, we re-confirmed our address for the second time. In the month of XXXX I saw my credit score drop over XXXX points. My banker and I found the negative reporting was from a late payment to our Kohls account. I contact Kohls customer service to explain the reason for the missed payment and ask to cease reporting the late payment to the credit bureaus. At this time, we ask that customer service update our address for the third time. I wait for documentation in the mail to confirm the credit dispute as requested. After a month of receiving no communication from Kohls documenting the dispute, I check my credit again. The late payment is still being shown on my credit. Again, I call customer service. The representative states they will mail confirmation of the dispute and asks for our address. We update our address for the fourth time and wait for the mail. XXXX comes and we still have nothing. We call to follow up with your customer service beginning of XXXX and go through several representatives before were able to efficiently communicate. The representative we spoke with on XXXX XXXX told us that apparently back in XXXX , Kohls declined to remove the negative reporting. A document stating this matter was sent to XXXX XXXX XXXX XXXX Once again, this is not our address! We had him check the account and there is no updated address on the account - after nearly 6 months of speaking with in-store employees and telecommunications customer service agents. We havent had any issue with our mail till this point which leads me to believe this is not a mail carrier error. I also do not believe it to be an error on my part considering I did not receive a bill. Weve gone rounds trying to communicate with their customer service team with little to no resolve. I have spoke with over half a dozen customer service representatives, mailed a letter, and have sent several emails in attempt to resolve this issue. Each of their employees has given me different information to resolve this issue and has lead me nowhere. As a long-time customer I ask that you cease reporting the late payment to my credit and send confirmation of your decision to XXXX XXXX XXXX XXXX , XXXX XXXX , SD, XXXX within a timely matter. I appreciate any time and consideration you are able to afford this matter and I look forward to conducting business with Kohls in the future.
|
11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Hello, We purchased air tickets online from XXXX XXXX XXXX Our Air tickets included free personal service but at the airport our free personal service were NOT provided and instead we got charged again by XXXX XXXX XXXX We have six separate Capital One case disputes for the merchant, XXXX XXXX.
1 ) USD XXXX - Capital One Case - XXXX For this case Capital One already issued permanent credit to my Visa Credit card account per my phone conversation with Capital One representative, XXXX # XXXX on XX/XX/2022.
2 ) USD XXXX XXXX - Capital One Case - XXXX - For this case Capital One already issued permanent credit to my Visa Credit card account per my phone conversation with Capital One representative, XXXX # XXXX on XX/XX/2022.
3 ) USD XXXX - Capital One Case - XXXX - For this case Capital One already issued permanent credit to my Visa Credit card account per my phone conversation with Capital One representative, XXXX # XXXX on XX/XX/2022.
4 ) USD XXXX - Capital One Case - XXXX - For this case Capital One keeps asking for more documents even though I have already provided multiple letters and supporting evidence but per my phone conversation with Capital One representative, XXXX # XXXX on XX/XX/2022, I need to provide more documents. For this case the merchant responded on XX/XX/2022. The merchant response has many discrepancies, errors and missing information from the merchant document. Capital One is accepting invalid merchant response with many errors while valid customer response is ignored and thrown away.
5 ) USD XXXX - Capital One Case - XXXX - Capital One wants more documents from me even though it the same issue as the first three Capital One case.
6 ) USD XXXX - Capital One Case - XXXX - Capital One wants more documents from me even though it the same issue as the first three Capital One Case.
Also, Capital One refuses to provide customer with a letter of record stating that my case has been resolved in my favor and a permanent credit was issued to the account. Capital One is not doing honest business. How can this kind of behavior be allowed by the Credit Card company? Large companies like Capital One are always taking advantage of their customers. Sad part is it those same abused customers that keep Capital One in business.
Different week Capital One ask for different documents. I think Capital One just keeps asking for different documents and hopes that somehow customer forgets or misses the dates/deadline to provide them with endless documents.
Further, I am hardly getting the disputes letters from Capital One on time in the mail or via email. I have to call Capital One every week to know the status of the above cases and keep requesting them to give me the correspondence.
Merchant has legal responsibility to follow the law and to provide accurate valid legal receipts. Please ensure Capital One is following the law by demanding from the merchant accurate valid legal receipts. If receipts have one mistake, then that receipt is invalid. Capital One like most banks are pro-merchant and anti-customer.
Please order Capital One to do honest business and stop abusing their customer. If merchant response has many mistakes, or don't match with customer receipts or customer is overcharged then customers should NOT have to go through some much trouble with Capital One to get credit on time.
Sincerely, XXXX XXXX XXXX XXXX XXXX
|
04/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I would like to draw your attention to the fact that my privacy has been breached due to late payments on my accounts, and demand the immediate removal of all such information from your website and company records.
As a consumer, I have the right to privacy under the Fair Debt Collection Practices Act. However, my right to privacy has been violated due to the late payment reports associated with my accounts. It is a fact that communication includes conveying information through any medium, which includes mail, email, publications, text, letters, phone calls, etcetera as it pertains. Location information includes my telephone number, place of abode, or place of employment.
I was not given any notice of negative information from Capital One Auto, as required by law, and thus the company is in violation of the Fair Credit Reporting Act. I did not receive such notice and thus CAPITAL ONE AUTO is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX account . Furthermore, it is a fact that Capital One Auto violated 15 U.S. Code 1681s-2 ( 7 ) ( E ) by reporting my information without lawful authority.
In accordance with regulations of the Bureau, 12 CFR 1026.13 ( d ) ( 3 ), until my request to resolve a billing error has been done by providing all documentary evidence for clarification of who funded the account, Capital One Auto can not report late payments. If Capital One Auto reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account.
As a consumer, I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, pursuant to 15 U.S. Code 6801 ( a ). Financial institutions must ensure the security and confidentiality of consumer records, as per 15 U.S. Code 6801 ( b ) ( 3 ), and must protect against threats and maintain the integrity of records. Lastly, financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact.
I am aware that Capital One Auto did not disclose to me my right to opt-out of the disclosure of my nonpublic information, in accordance with 15 U.S. Code 6802 ( b ) ( a ). I was not given the opportunity to opt-out of the disclosure of my nonpublic information, and I was not given any directions on how to exercise my right to opt-out.
I would like to highlight that it is a fact that nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. However, what is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency.
It has come to my attention that the requirement of reporting accurate information has been misconstrued with the non- requirement to report negative information. This is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and has resulted in my information being reported without lawful authority.
I urge you to take necessary action to rectify this issue and ensure that accurate information is being reported about me to the consumer reporting agency.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
|
04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I would like to draw your attention to the fact that my privacy has been breached due to late payments on my accounts, and demand the immediate removal of all such information from your website and company records.
As a consumer, I have the right to privacy under the Fair Debt Collection Practices Act. However, my right to privacy has been violated due to the late payment reports associated with my accounts. It is a fact that communication includes conveying information through any medium, which includes mail, email, publications, text, letters, phone calls, etcetera as it pertains. Location information includes my telephone number, place of abode, or place of employment.
I was not given any notice of negative information from Capital One Auto, as required by law, and thus the company is in violation of the Fair Credit Reporting Act. I did not receive such notice and thus CAPITAL ONE AUTO is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX account . Furthermore, it is a fact that Capital One Auto violated 15 U.S. Code 1681s-2 ( 7 ) ( E ) by reporting my information without lawful authority.
In accordance with regulations of the Bureau, 12 CFR 1026.13 ( d ) ( 3 ), until my request to resolve a billing error has been done by providing all documentary evidence for clarification of who funded the account, Capital One Auto can not report late payments. If Capital One Auto reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account.
As a consumer, I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, pursuant to 15 U.S. Code 6801 ( a ). Financial institutions must ensure the security and confidentiality of consumer records, as per 15 U.S. Code 6801 ( b ) ( 3 ), and must protect against threats and maintain the integrity of records. Lastly, financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact.
I am aware that Capital One Auto did not disclose to me my right to opt-out of the disclosure of my nonpublic information, in accordance with 15 U.S. Code 6802 ( b ) ( a ). I was not given the opportunity to opt-out of the disclosure of my nonpublic information, and I was not given any directions on how to exercise my right to opt-out.
I would like to highlight that it is a fact that nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. However, what is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency.
It has come to my attention that the requirement of reporting accurate information has been misconstrued with the non- requirement to report negative information. This is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and has resulted in my information being reported without lawful authority.
I urge you to take necessary action to rectify this issue and ensure that accurate information is being reported about me to the consumer reporting agency.
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
|
08/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, that Capital One Auto Finance is in violation of 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, Capital One has sent multiply debt collection statements to my place of residence again causing hardship and embarrassment on my reputation.
Fact, that Capital One Auto Finance is in violation of 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall-not state that such consumer owes any debt ; just as recent as XX/XX/XXXX Capital one has harassing me by sending not only statements in the mail but as well as text messages to my personal phone harassing me for debt.
Fact, that Capital One Auto Finance is in violation of 15 USC 1692j ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Capitol One has on multiply occasions reported a negative statement to the 3 major credit consumers under false validation of me not paying on this debt.
Fact, that Capital One Auto Finance is in violation of 15 USC 1692h Monthly payments have been made by me with only the assumption that debt is valid, in the amount of {$10000.00} which should be owed back to me the original creditor.
Fact, on XX/XX/XXXX this instalment was signed and that Capital One Auto. Finance is in violation of 15 USC 1692g On the back of my Retail instalment sale contract it states This secures payment of all you owe on this contract. It also secures your other agreements in this contract as the law allows.
Fact, Capital One Auto Finance is in violation of 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, again going back to my retail instalment the amount owed has already been paid to Capitol One.
Fact, that Capital One Auto Finance is in violation of 15 USC 1692e ( 11 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Capitol One has sent every statement as showing my balance in the positive so again no debt is owed and they continue to report a negative on my consumer report. Causing hardship on me and my reputation.
|
05/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
In XX/XX/XXXX I received a solicitation from Capital One wherein I would be charged a small balance transfer fee in exchange for 18 months of interest free financing. I had some student loans at 6.8 % so even with the fees I stood to save about $ 200- {$300.00} from this promotion.
In two separate transactions on XX/XX/XXXX and XX/XX/XXXX I was charged a total of {$79.00} to transfer the money.
The problems with Capital One started immediately when I went to set up payment and there was no option to pay the loan off gradually over time. I have done similar promotions for home repairs and it is usually very clear and easy to pay back. Given that this was a promotion allowing people to consolidate debts and then have 18 months at zero percent interest, the primary target would ostensibly be people that wanted to pay down the loan within that 18 months. When I logged in to update my autopay there was an interest saver option, which I thought was there way of helping you with the calculations to ensure the balance was paid in time.it was not.
Basically that option just avoided the fees and at the rate of pay I would have been left with a huge balloon payment after 18 months. I called in about this deception and was basically told that I couldnt do autopay to pay off the loan in time and the only thing I could do was just go in manually at the end of the month and make payments. Even this was a problem as the order that my payments were applied was not in a manner that was in my best interest or what I thought it would be. For example I wanted to pay off an extra $ XXXX/month but my bill runs in the middle of the month and by the time that it actually gets paid there are more charges that have been accrued because I have been using the card. What then happens is the extra money is applied to those chargeseven though they arent duebecause there is technically a higher apr because the promotion is zero. This completely ignores the fact that if I dont pay that balance down in time the rates will be significantly more oppressive.
Lastly, the statements dont say anything except the promotional balance and I cant find it on the website. I dont know when the terms are up or what the cost will be when they are. When I called Capital One to complain they said I could write or fax a letter, which is a level of just not caring about your customers concerns that I almost have to respect and has me a little concerned this is part of a XXXX for You skit.
Basically everything that I thought would be done based on the solicitation, was actually set up the exact opposite, and in a way that I believe was done to deceive the consumer. Everywhere I turn there are post hoc rationalizations and people telling me this system of no discretion or accountability is to help me. I have now paid {$220.00} in interested charges and late fees trying to figure out how to pay things as I would like, in addition to hours of my time on the phone trying to get things straightened out.
In its most basic form I feel this is predatory lending in that the terms are not what you would expect based on the solicitation and designed in a way that people will be forced to make a large payment or incur large interest charges, and it is very easy to structure things differently, many places do it. When you structure a program in this fashion I can only believe the intent was malicious.
|
10/07/2016 |
Yes |
|
|
|
Web |
|
Hello, thank you, in advance, for your assistance!
DESCRIPTION OF THE PROBLEM I have not had a credit card account with Capital One since my last active account expired in XXXX, but I do occasionally receive promotional emails from them that I automatically delete. Today, however, I opened an email from Capital One and was surprised to see a bill for a total of {$130.00}, an original charge of {$48.00} plus {$83.00} in late fees. At first I thought it was a very old bill, as the original charge was from a merchant with whom I had closed an account on XXXX XXXX, XXXX, but then I saw that the date of the charge was XXXX XXXX, XXXX.
I contacted the merchant, XXXX, and explained to the customer service representative that I had closed the account with XXXX in XXXX, XXXX, prior to the charge. She looked into my account records and saw that I had indeed closed my XXXX account before I was charged. She apologized for the error ( and explained that sometimes there is a lag time ) that she would have the amount charged to Capital One refunded to me. After a brief time on hold, the customer service representative from XXXX stated that she could not refund the charge to my credit card because the Capital One card they had on file for me had expired in XXXX, so she would have to mail me a refund check instead. She also said that the {$48.00}. SHOULD have been declined since the Capital One credit card had expired two years ago. Please see the attached email that I received from XXXX describing the erroneous charge to the expired Capital One card and reason for the refund.
I immediately contacted Capital One and explained to them that I have not had an account with them since my last credit card with them expired in XXXX, and that the merchant was refunding the original charge by mail because the credit card account no longer existed, and that I expected the late fees to be removed since a closed account should not be able to be charged. The Capital One representative said that closed/expired accounts " are sometimes charged '' accidentally and I was still accountable for the late fees. When I explained that the credit card that was recently charged had expired two years ago and that I have not had an active account with Capital One for two years, her response was, " Well, sometimes that happens [ expired accounts are charged ] '', and that it does not matter if the account has been expired for years when it was charged, that I still owed the money.
When I first I asked the Capital One representative if I could speak with a supervisor, and she became angry and just repeated that it does n't matter how many years my account has been expired, " sometimes it happens '' and that I " owed the money '' even if the original merchant recognized the error. The second time I asked to speak to a supervisor, there was a silence, then a dial tone, and it seemed very obvious to me that she had hung up on me. This made me very scared that I would not be able to trust any of my direct interactions with Capital One, so I contacted the CFPB immediately.
I know that late fees can have a devastating effect on my otherwise " Very Good '' to " Excellent '' credit score, so I am very afraid that Capital One will try to do as much damage to my credit score as possible, based on the hostility I have confronted with the customer service so far.
Once Again, Many Thanks, XXXX
|
03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
Capital One assumed control of my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. Prior to this transfer, a payment was made for the entire statement balance of {$1600.00} on XX/XX/XXXX through the online payment mechanism in place at the time through XXXX. Please review a copy of the attached e-mail with a payment confirmation # of : XXXX. Despite my payment, and the entire account history of paying each months statement balance in full, Capital One has not credited this payment to my account, and in spite of hours spent with Customer Service, there has been no progress made at all in resolving the matter.
On XX/XX/XXXX between XXXXXXXX XXXX and XXXX XXXX, multiple calls were made to Capital One XXXX XXXX Customer Service at XXXX, on several occasions the system would report wait times of over an hour, and the system would ask me to opt into a call back when a representative became available. On the 2 occasions when I elected this option, the system would call back with an automated message that advised me to hold for a representative, and then the call would disconnect prior to any representative becoming available. After numerous calls, your customer services representatives reported they did not know how to help me, and could only enter a note. I had been requesting a case be opened and that I be able to submit electronic correspondence which would confirm the payment. However, I was advised your online system had no ability to upload documentation and that only a supervisor could open a case which would allow e-mail or electronic submissions. I was finally transferred to a supervisor, XXXX # XXXX, and she was rude and completely unhelpful. She reported she would not open a case, and at first suggested that I trust her that it will all get worked out. When I asked for some written communication to commemorate this reported trust, she reported she could not do that. She continued to report that the system was not recording old data yet, but when I confronted her with the fact that it is recording pending charges, she amended her position to say it was not processing previous payments. When I asked how this could be when I now am being harassed by Capital One via texts and e-mails that I have a payment due, and none is due, she then incredibly suggested that I should take this up with XXXXXXXX XXXX, the prior account managing institution. I advised her that her position held no merit, and I strongly advised her to take action by opening a case / dispute/ or review to address this error. I further advised her verbally, and hereby do advise you in writing that any inaccurate negative credit reporting made Capital One against me would be in violation of Fair Debt Collection Practices Act ( FDCPA ), and would be followed up with vigorous litigation.
I do hereby demand a forthwith crediting of my paid balance on the account that you assumed from XXXX XXXX XXXX XXXX XXXX. If XXXX XXXX has not properly forwarded these funds to you, then your issue is with the, and not trying to impose an already paid debt to me. Forthwith movement toward this demand is highly encouraged, or litigation and Consumer Financial Protection Bureau ( CFPB ) filings will proceed. I have recently locked this account and will be in touch with XXXX Regional Director to advise them of the grossly unsatisfactory experience I have had with their cards transition.
|
01/10/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
My complaint involves Capital One. Originally, this was a GM credit card, previous to Capital One acquiring the account. Once this account was acquired by Capital One, I experienced constant problems with this company. There are several issue 's with this company, these issue 's have escalated to the point of being unreasonable. Formal and legal disputes have been made by me. Against my better judgement, I spoke to an representative XX/XX/2015, and reached an agreement with this individual. I gave verbal permission for XXXX payments to be automatically deducted from my checking account. ( I was told this conversation was recorded. ) And in fact three {$59.00} payments were deducted from my account, in XX/XX/XXXX, XX/XX/XXXX, and XXXX 2015. On XX/XX/XXXX, I realized that Capital One had not honored their part of the agreement. I placed a call to the company, a representative and a supervisor, both admitted to listening to the recording, but could not explain why this company had not honored the agreement. I was assured that there would be a complete investigation and someone would get in touch with me, within 10 days. ( which never happened. ) Once again, I called this company and was told that a payment had not been received on this account in over 120 days. When questioned this individual could not answer any questions, she could only state what was on her computer screen. XX/XX/XXXX, an individual called my home, basically demanding a payment or a payment arrangement. When the situation was explain to this individual, he stated that he would put a 10 day hold on the account, so there would be no late charges added to the account. My payments had always been made through the capital one website. On XX/XX/XXXX, I was blocked from my account, which prevented me from making any type of payment. I made yet another call to Capital One and I was transferred three times, due to no one being able to answer my questions. Finally I was told to call a different number. A XXXX, informed me that my account had been closed, then charged off and had been put up for sale. Yet, he still wanted me to make a payment during that phone call. Capital One has flat out refused to supply information, that was formally and legally requested. They have lied during every single phone call. This company is unscrupulous, unethical, lying thieves. Yet, they seem to enjoy threatening, many attempts at intimidation. It is ridiculous how this company believes that they are beyond the law and can flat out refuse to explain and/or justify charges. This company has received a payment on this account every single month. This can be proven through bank records. Due to the fact, that I have caller ID, I can prove that there was no follow up call, to address my questions. This is just a small example of the most recent issue 's that I have encountered with this company. There are many more. My biggest question to the company would be, If in fact, Capital One, is a fine, upstanding, legitimate company who follows all law and regulations, if in fact they have nothing to hide, why have they refused to supply the detailed information that has been requested? I know beyond a shadow of a doubt that I am not the only consumer who has experienced this type of treatment from this company. I am considering legal action, in addition to filing formal complaints with the Attorney General 's Office.
|
06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
My credit card ( Capital One Spark Visa ) is not willing to move forward with a chargeback request under Rule 13.1 of the Visa Chargeback Guide, pertaining to the non-receipt of a service that was promised to me by a merchant. I am seeking resolution and reimbursement for the payment made through my Capital One Visa credit card.
Details of the Transaction : - Merchant Name : XXXX XXXX XXXX - Transaction Date XXXX XXXX XXXX XXXX XXXX Transaction Amount : {$2100.00} and {$6300.00}.
- Disputed Amount : Total : {$8500.00} - Case Number : XXXX and XXXX at Capital One - Expected Delivery Date : XX/XX/XXXX I entered into a transaction with the XXXX merchant for the purchase of wedding photography. The agreed-upon terms included the promise of receiving the service ( i.e., photographs ) by an initially specified timeframe of 6 months from the Wedding that took place on XX/XX/XXXX. As per the vendor ( XXXX XXXX ) and wedding planner ( XXXX XXXX XXXX ) would fall on XX/XX/XXXX.
On XXXX we had reached out to the Wedding planner ( XXXXXXXX XXXX XXXX ) via text asking about the photographs and she stated she had spoke to the vendor ( XXXX XXXX ) that she was expecting the photos in a few weeks, specifically stating during the month of XXXX as she had literally spoken to them this week regarding date of arrival.
On XX/XX/XXXX, we had asked for an update and the wedding planner stated, hey photographer said next week. This was the last correspondence we have had with her as she is no longer communicating with us. This also is the last expected date of delivery for services that were prepaid.
It was not until XX/XX/XXXX, when the vendor ( XXXX XXXX ) reached back to me stating they could not give me the photos because the wedding planner has not paid him in full despite at numerous times claiming she would pay him. She has essentially stolen our money.
I believe the chargeback time limit should start on the last date of expected delivery which would be XXXX as this is a case in which delivery of goods or services can be reasonable expected after the actual transaction date.
Per Visas chargeback rules ( 13.1 ) for Services not provided or goods not received, The dispute must be processed either : Within 120 days of the last date the cardholder expects to receive the goods or services ( not to exceed 540 calendar days from transaction ).
OR Within 120 days of the date the cardholder was informed that the goods/services would not be provided ( not to exceed 540 calendar days from transaction ).
Regrettably, despite the passage of time, I have not received the service within the promised timeframe. I have made multiple attempts to contact the merchant, but my efforts have been in vain, as they have not responded to any of my inquiries.
This lack of communication has left me with no alternative but to seek a chargeback through my Visa credit card company.
As per Rule 13.1, a chargeback is warranted when a service is not provided within the agreed-upon timeframe. In this case, the merchant failed to fulfill their contractual obligation by not delivering the service as promised. I have fulfilled my part of the agreement by providing payment through my Visa credit card.
Therefore, I request that you hold Capital One Visa accountable in moving forward with the chargeback process to investigate this matter and reimburse me for the disputed amount.
|
11/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
This complaint was originally under XXXX that was closed today on Monday, XX/XX/XXXX. The reason for this second complaint is because Capital One has not and continues to not be helpful. There was a .pdf document attached to this closed complaint but unfortunately it could not be accessed due to technical difficulties on the website. I had to call and speak to a CFPB representative earlier today to ask what was the status of my closed complaint. I was told that Capital One wanted me to call XXXX to answer some questions. However when I called it requested a 7 digit number extension that was not provided to me. Now I have called the Capital One bank at XXXX and was asked by a representative to verify my identity. I did so by providing a color photo of his NY DMV license the front and the back. While speaking to the representative, I am being given the run around and asked ridiculous questions such as whether or not the XXXX retrieved the XXXX funds that were disbursed into my account. The XXXX XXXX funds was provided to me and Capital One froze access to my bank account. Once again I find myself filing another complaint against them since they are not providing me quality customer service.
I am in need of my funds in order to conduct my business. Please refer to the original complaint below this margin. There was no reason for this complaint to be closed since Capital One is still giving me a hard time. Now this is the second complaint I have to file against Capital One. I know that this is blatant discrimination in their part because they can not understand how a sole proprietor such as myself managed to get XXXX XXXX funds. Based on my interaction with the Capital One customer service, I am under the impression that they believe I am being deceitful. After being given the runaround for one hour, I have learned that my funds were sent to the US Treasury department. Even if I can not retrieve my funds, I want this complaint against Capital One to stay on public record.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I, XXXX XXXX XXXX received the XXXX XXXX loan back in XXXX of XXXX for the amount of {$19000.00}. The funds were disbursed in my Capital One business bank checking account. I have used that money but by XXXX of XXXX, Capital One froze my account. I called customer care at that time asking for the reason behind this. I was told by a few different customer service representatives through the phone very different answers. The one answer that stood out the most was that they were not allowed to discuss that over the phone. Also they would always say that they will get back to me. I have even asked that they provide me a letter in writing stating why my checking account was frozen but the phone representatives refused. Between then and now I never received an email, letter or a phone call regarding my frozen bank account by Capital One. I have about {$4500.00} in that account and need to retrieve that money. This money was given to me by the federal government because of the financial losses my business has and continues to experience due to the XXXX lockdown. I find it insulting that my ability to access my funds were frozen by Capital One bank. It is even more disrespectful that they are not giving me a good reason. I kindly ask that I be assisted in retrieving my money back from Capital One bank as soon as possible. Thanks.
|
11/26/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/2020 I do not believe that a PAID CHARGE OFF rating on this account is fair, nor reasonable. First of all, it was a secured loan. There were periods when I was constantly late while I worked through serious medical problems and could not work. I was always in touch with the creditor and the vehicle was never repossessed. The legal timeline for the removal of this account is quickly approaching. Until that time, I believe that the proper reading on all pertinent credit reports should be simply PAID, with all previous payment history deleted.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasona
bly be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
XXXX XXXX
|
12/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I ordered 5 dresses on XX/XX/2020 the amount of {$230.00} from XXXX XXXX. XXXX XXXX is a collection of clothing company from XXXX. I was supposed receive the dresses in XXXX days from that date as you can see in the pictures. I ordered those dresses for our XXXX XXXX which was XX/XX/2020. Two of the 5 dresses I ordered was matching dressed for my XXXX, daughter and I which is not going to fit for my daughter anymore. I received one of them at the end of XXXX, and it is too small for me. When I tried to contact with them, they never answered my calls, so I can request the return label.
In XXXX I found out she scammed a lot of people from a XXXX XXXX and trust plot. I immediately called my bank Capital One and requested to open claim my order and explained what happed. Capital One gave me temporary dispute credit of {$230.00} on XX/XX/2020. Then XX/XX/2020 Capital One removed the dispute reversal credit from my bank account.
On XX/XX/2020 I sent email and couple screenshots from my email to Capital One to prove the 5 dresses I ordered from XXXX XXXX and let them know that I received one dress and I wasnt happy with because it is too tight for me to wear it ; and when I called XXXX XXXX company they never answer my calls. I still have the dress and never wore except when I tried on the first day.
On XX/XX/2020 Capital One gave me two dispute credits to my account which letter the on XX/XX/2020 they removed one of the dispute credits they posted on my account. Since I had my money back, I didnt contact with neither of them Capital One nor XXXX XXXX and they didnt contact me since that until.
On XX/XX/2020, I received email from Capital One saying We finished researching your dispute ( s ), and your claim has been denied because : the info we got from the merchant shows this is a valid transaction. We'll remove the temporary credit ( s ) totaling {$230.00} from your account on XX/XX/2020, which will affect your account balance. We'll also remove from your account any interest and/or finance charges given on that temporary credit. You'll see this reflected in your account transaction history and on your monthly statement. I immediately called Capital One and explained again I ordered 5 dresses and received one of them which Im not happy about it. XXXX said I received all the dresses in XX/XX/2020, and theyll remove the credit dispute from my account on the XXXX of the month. I asked to speak with a manager, and I told the manager, XXXX that I have the order number and the tracking number of one of the dress that I received on XXXX, and I asked XXXX, the manager to provide the five order numbers and their tracking number. XXXX said she cant access the document they received from the merchant XXXX XXXX XXXX XXXX, and shell send me to the mail. I told XXXX until then it is not fair to close the claim because it is not done yet, and Im their customer, but XXXX didnt seem to believe me. I told XXXX that this company is scam and if she thinks Im lying she can google the merchant trust plot for herself. XXXX didnt care anything that I said. I asked XXXX if she can help me with closing my capital one checking and credit card accounts and she told me she'll connect me with someone who will assisted with me closing my two accounts with Capital One and she didn't even ask why.
I immediately closed my capital One checking account and my credit card account.
|
07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/2022 I made a purchase using my Capital One credit card in the amount of {$130.00}. Within 20 minutes of making the purchase, I found the merchant to be a scam operation and notified Cap One of the problem. In that same period of time, I emailed the merchant to cancel the order. The merchant ignored the cancellation and provided a shipping confirmation through XXXX- which contained only information that the scammer input ( not any validation what so ever ) with the tracking number, my address, and the product. However, only the tracking number was found to be valid when I contacted XXXX and received the Detailed Tracking Information. This XXXX document provided the address that the merchant actually shipped the product to, along with the weight of the package of XXXX XXXX ( although the purchased item was XXXX packages each weighing XXXX ).
The XXXX document proving that the package was never received, and obviously was the wrong weight was clear indication of an attempt by the merchant to falsify delivery confirmation as part of the scam. Both the XXXX and the merchant 's XXXX representative stated that this matter was a scam ( and XXXX had already shut down their account for similar activity of this nature ).
However, Capital One denied my dispute no less than THREE times continuing to request more information was needed - but not telling me what additional information they needed. I can not see how much more information they needed that the extensive details I provided to them three times, and specifically the XXXX 's own verification that the package was never received ( or shipped ) to my address. However, Capital One continued to side with the merchant - and refused to even verbally acknowledge that the XXXX document that I provide clearly showed the package being delivered to a different address than my own. Capital One representatives even tried to conceal their errors by claiming it to be a " battle of documents '' ( i.e. the scamming merchant 's own typed in information vs. XXXX 's independent verification by detailed tracking information ).
I have literally been fighting this matter with Capital One for over 7 weeks. Capital One is in clear violation of the Fair Credit Billing Act and has repeatedly violated my rights and protections of this law. They should be held fully accountable and penalties incurred for their willingness to ignore independent and indisputable evidence that would have, and should have, resolved this matter with the very first submission of the documents. Yet, they realize they have themselves in a serious legal problem and provide vague and non-responsive answers to very simple and direct questions- such as " do you agree that the XXXX document provided shows the items on the tracking number to have been delivered to an address other than my residence? '' and similar. How hard is it to respond to a question like this? Yet it has been impossible to get a straight and direct response to this question.
Capital One should be penalized for their willful efforts to violate my rights under the FCBA. I will not accept anything other than a full and complete answering of the questions I have previously provided to them, as well as a complete and thorough answer as to why they have continued to allow this matter to fester despite clear evidence that proves the merchant did not deliver the product to me.
|
01/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
My Capital One credit card was used for fraudulent activity, so I called to let them know. They cancelled the card, and offered to send me a new one. At the time, I was in XXXX XXXX, so I asked that they send the card via courier ( XXXX, XXXX, etc. ). I was told that they don't normally do this, but then after asking their manager, I was told that it would be sent via courier ( I believe they said XXXX ).
I didn't receive the card, but noticed a charge for {$1400.00} from " XXXX XXXX '' in XXXX ( as written on my statement ). I called Capital One right away to say that I had never received the card, but that the card number ending in XXXX, which I had never received, had made this purchase. Over the phone, they said they would reverse the charges.
Then, they investigated the fraud, and sent me a letter dated XX/XX/2019 stating that there was no evidence of fraud. They said that because the card has a chip, and it was actually used to make the purchase, there was no evidence of actual fraud. The letter also said that my card wasn't reported as lost or stolen, but I actually DID report that I had NEVER RECEIVED the card when I claimed that I had not made the purchase ( I think this clearly counts as lost/stolen. ) The letter said that they needed to hear from me within 14 days ; however, I was out of the country at the time, and the letter was sent to my home address. By the time I received it, it was past the 14 days allotted to dispute the investigation.
When I called the number listed, I was transferred over and over to the collections department. They said the case is closed and there is nothing they can do.
I asked how the card was shipped, and it was shipped to XXXX XXXX via USPS, even though I specifically asked for it to be sent via courier. The postal system in XXXX XXXX is unreliable at best, and can be quite insecure. It is clear to me that someone in XXXX XXXX, possibly working for the XXXX postal system, opened the envelope with my credit card, and simply used the card to make a large purchase. ( I have since received another replacement card which was sent via XXXX, and that card arrived ready to use with no activation required. ) I would like to know if Capital One has a copy of the signature used to make that purchase. They told me that I would need to get in touch with the merchant to look at the receipt. I have no idea who the merchant is, because I did not make the purchase! The only information I have is what is listed on the statement ( XXXX XXXX in XXXX ), but I do not know anything more than that. I have googled it and have not figured it out. Furthermore, I believe this signature, if available, would be on file with Capital One. The customer service representative said that all they can tell me about the merchant is what is written on the statement.
Capital One refuses to engage with me about this purchase and continues to say the case is closed, and that I am responsible for that charge. I am 100 % sure I did not make this purchase because I never received the card with the last four numbers XXXX, and I do not recognise the purchase at all.
Meanwhile, my account is accruing late fees and interest, because I have not paid for the purchase that I am disputing.
I have closed my account with Capital One out of frustration, despite banking with them for at least 10 years.
Many Thanks in advance for your help.
|
03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
On XX/XX/XXXX my banking account with Capital One processed the amount of {$800.00} I had transferred from my main bank which is XXXX XXXX XXXX ( XXXX ). I had received an email, that same day, stating and I quote " We are restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance -plus all interest earned- will be transferred to your externally linked checking account. If you do not have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to address on file. '' I first called them on the XXXX in a confused panic as to why I didn't have access and what went wrong. The first day was XX/XX/XXXX, I had called three times ( XXXX, XXXX, XXXX ) excessive, yes. I was sent to a voicemail all three times. None of which I was called back for.
I called once again on XX/XX/XXXX at XXXX to leave another voicemail becoming frustrated as their voicemail states someone would contact me in 48 hours if they deemed it necessary. My account was still locked.
Same thing once more I called again XX/XX/XXXX, no check in the mail and no call back.
XX/XX/XXXX at XXXX, I finally got to talk with someone and was even on the phone with the representative for a half an hour. She put me on hold a lot. She conferenced with XXXX and had them verify that it was my account and that the money did come from me. Right when I thought things were settled and I would be able to have access to my account again she then stated that Capital One no longer wanted to do banking services with me, and that I would be getting a check in 7 to 10 business days. She stated it was because XXXX was a prepaid bank, which made no sense to me.
Trying to give the bank the benefit of the doubt, I waited for the check that never came, I tried again XX/XX/XXXX, XXXX this time to ask where the check was, because I haven't seen the money, they kept informing me I was going to receive back. They informed me it was going to be sent out that day.
I got nothing, so I called again on XX/XX/XXXX XXXX to see what was going on and I was transferred to leave a voicemail once more. Again, not receiving a call back. I called again on XX/XX/XXXX I was transferred directly to the voicemail with no call back.
Today being XX/XX/XXXX, I went to Capital One to speak with a bank agent. She also was put on hold only for her to inform me that XXXX was going to have to dispute the transfer that went through and is in the Capital One checking account. The lady said it was my only option at this point, even though they have my money and I there for them to finally close my accounts.
It has been a total of 69 days since the deposit went through. I have started a dispute with XXXX for Capital One to get my money back, but XXXX informed me there is a possibility of it not happening because I need to have verification from Capital One that, that is what they said. I am tired of being Ping Ponged back and forth with Capital One and wish to get all of my banking money out of their hands as soon as possible : I have two CD accounts with them as well as a checking and savings I don't have access to.
Total Capital One owes me : {$1000.00} As they had stated they would send me when they claimed to be closing my accounts.
|
01/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
I received a promotional offer in the mail XXXX XXXX regarding {$2000.00} toward closing costs if I refinanced my mortgage. I contacted Capital One and spoke to XXXX who took my application, he said it was approved but contingent upon my second car loan being paid off prior to closing. I promptly submitted the requested documents via email to XXXX over the next several days. I then received an email from XXXX saying she was the processor and she requested more information which I also sent via email. My original closing date was XXXX/XXXX/XXXX. I submitted the proof to XXXX that the second car loan had been traded in and was being paid off. I then received a follow up email from XXXX saying that was not sufficient, and my closing date was pushed back I only was made aware of this by checking XXXX XXXX. From there, XXXX and XXXX both requested the same information in which I had already submitted previously as if they had lost it. It was be days sometimes between them communicating with me. My closing date has been moved at least 5 times since then. XXXX explained my DTI was too high even after the car loan was paid off. Which I do n't understand, as my debt has n't changed since the initial application. He asked if I had retirement funds, in which I responded yes and gave him the balance. He never responded. I also sent him another communication letting him now my salary increased effective XXXX/XXXX/XXXX he said that information would not be necessary as long as the car loan was showing paid in full and I had to show a payoff letter, which I provided the next day. I was then told weeks later only AFTER I inquired about my mortgage still not being paid off that my loan was being denied due to DTI and I would need XXXX to close. I asked if my new salary would make a difference, XXXX said yes and then asked me to send in proof of my new salary and an email explaining the difference between my court ordered child support and the arrearage ( which I had already done several times before ). I still had not heard anything from him until he informed me last week XXXX XXXX XXXX XXXX that my loan had bee approved. I emailed him back asking why the loan amount had increased and if it included the XXXX they were supposed to be paying toward closing costs, I still have yet to receive a response. Capital One also pulled my credit again, which caused my score to drop XXXX points. Had they not dropped the ball months ago, my loan should have closed already ceasing the need to pull my credit again. The APR has also changed, and I understand rates change, however if I had closed on time this would n't be an issue. I have done everything I 've been asked to, yet Capital One has consistently dropped the ball. I complained to a level of management XXXX XXXX ( in XXXX ) via email and he did n't have the courtesy to respond. I am supposed to close XXXX and still do not know why my loan amount went up XXXX when I now owe less on my home and still have no explanation regarding closing costs. I have called into their mortgage contact center before and was told I 'd have to speak to my loan officer, one time I held over 40 minutes. My loan officer is not responsive, and I do n't feel comfortable with refinancing if no one can properly explain the new terms of the loan. I am just completely disgusted with this company and expected more from such a large corporation.
|
02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX XXXX XXXX Balance : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
CAPITAL ONE XXXX**** Balance : {$500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
XXXX XXXX XXXX XXXX ( Original Creditor : PROTECT YOUR HOME ) XXXX Balance : {$560.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
CAPITAL ONE XXXX Balance : {$460.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
XXXX XXXX XXXX**** Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately.
XXXX/XXXX XXXX**** Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX Balance : {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately.
XXXX XXXX Balance : {$2300.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
XXXX XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
XXXX/XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
XXXX XXXX XXXX XXXX : {$0.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Chapter XXXX Bankruptcy XXXX - I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$1500.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
|
11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
on tuesday XX/XX/XXXXXXXX i received an email from capital with a promo bonus of XXXX after spending XXXX within 3 months. it says to get this offer i must use either the apply now link or see if im pre-approved in the email. i used the see if i was preapproved link where i went through all the steps and was told i was pre-approved and had the option to finish my application. i finished my application and was approved.
i called capital one on XX/XX/XXXXXXXX at XXXX to confirm i would be receiving the cash bonus. i was told by a representative that since the card was just opened it was too early to confirm and to call back tomorrow morning.
I called on XX/XX/XXXXXXXX and stated i was calling to confirm if the XXXX cash back bonus offer was showing. i was then transferred to applications where a rep stated they didn't see the offer and asked what were my application terms. i said uh idk i dont have access to the application as i dont have the option to see it on the app or online. he said for me to wait and get the card in the mail and see if it has the offer. i explained i didn't see how they wouldn't have access to it on there end and i didn't want the run around and this was the 1st time i was having an experience where the bonus offer couldn't be confirmed. He said he didn't see the bonus offer now but it could pop up later and to wait until i get the card. i asked if i can send him the email so they can see what i'm referring too and he said no i can call back and provide it if i dont get the bonus and need to file a complaint on XX/XX/XXXX i explained the situation to a family member and they said capital one was giving me the run around and that they can see if i can get the offer or not. i then did some research on XXXX where there were numerous complaints that capital one doesn't honor their cash back bonuses on XX/XX/XXXXXXXX i called and spoke to a rep who transferred me to XXXX at escalations who told me that there is nothing he can do- i will not be receiving the XXXX bonus because the offer i signed up for didn't include it. i stated i did what the email said and can forward it to him i clicked on the see if i'm pre-approved- i then clicked the button that said to finish my application. he said the pre-approval link brought me to the pre-qualification tool which is sepreate from the offer. i said but the email says i can click that and get the offer. he said no - that tool is sepreate with sepreate offers. i said how when the email says i can click that link and then it had the green " complete my application '' button and i started my application from the link in the emaik. he said again capital one is not wrong. i said i will like a formal file review and will forward the email i receiived as i did everything the email stated. he stated thats not necessary because it wont result to anything.he would note the complaint but it will just result in feedback for capital one. i will not be getting the offer as those werent the terms for the application i submitted. i asked to be escalated to someone above him- he said he is the supervisor and his boss doesn't talk to customers. i said this can't be the end of the road i need to speak to someone else and asked to be transferred to another supervisor. he said i would need to call back to get someone else different but they will say the same - capital one did nothing wrong.
|
09/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
My name is XXXX XXXX, DOB XXXX, my SSN ends XXXX. In XXXX I applied for Walmart credit card. Few weeks after I received my new credit card by mail, I got notification from Walmart : they are transferring all accounts under Capital One management. I kept using my card because no one notified me, that the new plastic was issued and mailed to replace previous card I had.
On XX/XX/XXXX I received a notification from the Capital One app that my Walmart card was charged for {$73.00} in Walmart Supercenter # XXXX XXXX, IL. During next hour card was charged for {$360.00} in Walmart store # XXXX in XXXX, IL and someone made attempt to do purchase for {$240.00} that was declined ( please see attached document # 1 ). This notification came while I was XXXX XXXX with the client. After I arrived home, I checked the account immediately. Last time I used Walmart card was on XX/XX/XXXX in Walmart store # XXXX. After that I didnt use this card. The same day I reported a fraud activity to Capital One fraud department. I explained that I never visited these stores and at the moment of the purchase was miles away - working. Im working as XXXX XXXX and at the moment when purchase was made I was driving with the clients ( please see attached picture # 2 print screen from XXXX timeline for XX/XX/XXXX and I can also request trip detail confirmation from XXXX if needed ). Also, I told the representative, that a thief did 3 small transaction, one was declined. Everyone knows the limit on their card, and it should be obvious that that is fraud activity. Investigation was opened and I was issued the new card # XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX.
On XX/XX/XXXX I got the phone call from fraud department with statement that case was closed because they didnt found proof of fraud. No proper investigation was made, the only question I got from representative : Do you have your card, but she never asked the card number and who issued the card I have ( I had on old card ), they didnt even ask if I received their credit card ( they knew it should have been sent by mail when account was transferred ). They did not take to consideration any proof that I provided. After that I called Walmart customer service and explained situation. They told me that new card was sent by mail and most likely was stolen. Its not the first time in our neighborhood we have issues with post service.
I called again and after hours on the phone opened a second claim with Capital One. After that all money were adjusted and returned to account. On XX/XX/XXXX without any notification bank charged the account again, than posted charges and fees ( attached pictures # 3 and # 4 ). Unprofessional attitude costs me credit score, that went down.
Please note that my wife had the same situation. Her Walmart credit card was stolen when sent by mail to our address the same time my was stolen. It was used by thief in the Walmart store at the same day and same location. But when she did the claim - her claim was investigated properly and closed with refund, because the representative checked card number, expiration date and bank name on her credit card and concluded that Walmart card from Capital one was stolen when mailed after account transition. Same situation, same address, same dates, even the same store thief used, but totally different outcome. And no one from Capital One can explain why.
|
05/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : Capital One Bank USA, NA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX I hereby request a review of my payment history, as some payments may have succeeded the 30-day grace period, only because of a past divorce matter or a slow-down of work from the Covid-19 pandemic. I have always taken great pride in my excellent credit history, and I request from your company an act of compassion and the deletion of the two previous 30-day late payment history. There were circumstances beyond my control, and I believe I should be given this one-time professional consideration. I could have requested a complete deferment on payments during the difficult pandemic period, but I chose the hard course and did my very best to get my business up to its high standards as the economy opened up for business as usual.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX XXXX
|
10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I had a Kohl 's store credit card with a credit limit of {$300.00}. On or around XXXX, I received my statement via email showing that my current balance was {$210.00} with a total minimum due of {$49.00}. On XXXX, I made a {$300.00} dollar payment using my XXXX checking account. The payment confirmation number for that payment was XXXX. On XXXX, I made another payment in the amount of {$75.00} from my XXXX checking account. The payment confirmation number for that payment was XXXX. On XXXX, I made another payment of {$70.00} using my XXXX checking account. The confirmation number for that payment was XXXX. After making the payment in XXXX my complete account balance was paid off and on the Kohl 's app, it showed that my available credit was {$300.00} however on or around XX/XX/2022, when I was trying to use my Kohl 's credit card in the store to make a purchase my card kept being declined. So, I made a call to the customer service department and I was told on that day that my account had been closed not charged off. So imagine my surprise when in XXXX I received a statement stating that my account balance was {$560.00}. On or around XX/XX/2022, I made a call to Kohl 's credit card customer service department and I told her that there was no way I still owed that much money when I had paid off my account back in XXXX, and my account was closed. The representative tried to tell me that my payments were returned by my banking institution and I told the representative that there was no way the payments were returned because the payments were on my bank statements every month that I made the payments. The representative then placed me on a brief hold to review my account. When she returned on the line she told me that she was able to see where I had made several payments on my account which totaled {$450.00}. I then asked her how was it possible that I owed anything if my credit limit was only {$300.00} dollars. The young lady became confused and told me that I would need to dispute this through the credit bureaus. So I submitted my dispute through XXXX and a couple of days later XXXX came back with results stating " consumer disputes balance '' The account was charged off even though when I filed my dispute through XXXX I provided them with all 3 months of my bank statements plus my payment confirmation receipts for all three payments made.
Kohl 's refusal and now XXXX refusal to fix these errors have negatively impacted my credit score since XXXX of XXXX up until the present day by showing that I still owe them {$560.00} with my account in charge-off status even though the account was closed in XXXX of XXXX. Kohl 's has been inaccurately reporting my payment history to the credit bureaus. From XX/XX/2022 up until XXXX they reported that I paid on time which again is inaccurate because my account was closed in XXXX. So, I really don't understand how payment is reflected as being paid in XXXX and XXXX, in XXXX it shows that I was 30 days past due, and in XXXX it shows I was 60 days past due however on my account on the Kohl 's website it shows that I made a {$450.00} dollar payment on XX/XX/2022, which is also incorrect. I made a call to the customer service department on that date because I was still getting statements saying I owed them money when in fact I paid off my account balance in full 4 months prior and the account was closed.
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10/12/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called CAPITAL ONE that I had no business relationship with. CAPITAL ONE was attempting to collect on a an alleged debt in the amount of {$940.00}. I have had my identity stolen and sent CAPITAL ONE a letter via certified mail XXXX, XXXX notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent CAPITAL ONE account with the credit bureaus. CAPITAL ONE however continued reporting this fraudulent CAPITAL ONE account with the credit bureaus. I noticed CAPITAL ONE still reporting this fraudulent CAPITAL ONE account with the credit bureaus after I notified them about the identity theft. I then sent CAPITAL ONE a DEBT VALIDATION LETTER via certified mail XXXX, XXXX requesting the agreement between CAPITAL ONE and myself and the original application for the account. CAPITAL ONE violated the XXXX XXXX XXXX. XXXX ( XXXX ) by failing to provide the evidence requested after being notified about the identity theft. XXXX XXXX XXXX. XXXX ( XXXX ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the XXXX XXXX XXXX. XXXX ( XXXX ) CAPITAL ONE was required to cease collection efforts until the alleged debt was validated but failed to do so. CAPITAL ONE continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the XXXX XXXXXXXX XXXX. XXXX ( XXXX ). I saw the fraudulent CAPITAL ONE account XX/XX/2023 on my credit reports. I then sent CAPITAL ONE a FAILURE TO RESPOND letter via mail XX/XX/2023. CAPITAL ONE violated the XXXX XXXXXXXX XXXX. XXXX ( XXXX ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. CAPITAL ONE violated the XXXX XXXX XXXX. XXXX In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. CAPITAL ONE violated the XXXX XXXXXXXX XXXX. XXXX ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the XXXX XXXX XXXX. XXXX ( XXXX ) CAPITAL ONE was required to cease collection efforts until the alleged debt was validated but failed to do so. CAPITAL ONE continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the XXXX XXXX XXXX. XXXX ( XXXX ). Additionally, CAPITAL ONE FAILED TO RESPOND to the DEBT VALIDATION LETTER within XXXX days causing me to send a CAPITAL ONE letter via certified mail XX/XX/2023. CAPITAL ONE violated the XXXX XXXXXXXX XXXX. XXXX by not validating the alleged debt within XXXX days. I saw the fraudulent CAPITAL ONE account XX/XX/2023 on my credit reports and it is still there as of this filing.
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06/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
This is an affidavit : Please also reference CFPB complaint XXXX submitted on XX/XX/XXXX. This complaint is related.
In accordance with everything listed in my CFPB complaint XXXX, and as a consumer and witness with firsthand knowledge of the events, I, XXXX XXXX state the following truths : On XX/XX/XXXX, Capital One N.A . has issued a letter to me as a consumer and as one of the People referenced in the Constitution for the United States of America, and the Georgia State Constitution. Per the aforementioned letter attached to this complaint, Capital One is now offering and intending to close my credit card account ending in XXXX, under the guise that " activity on this account or another account is not consistent with our expectations for account usage '' and alleges that this " activity '' " violates the Capital One Customer Agreement ''. As a consumer, I am unaware of what activity Capital One is referencing and what specifically is " violating '' their Customer Agreement and see now evidence of fraud and no evidence of any " activity '' that violates the Capital One Customer Agreement. I do not accept Capital One 's offer to close my credit card account ending in XXXX.
Any and all " activity '' on this account was done in good faith, clean hands, subject to and in accordance with, including without limitation and pursuant to UCC 3-104 ; UCC 3-501 ; UCC 3-602 ; UCC 2-206 ; House Joint Resolution 192 ( HJR-192 ), Public Law 73-10, Tender in terms of the Negotiable Instruments Act ( 1881 ), Chapter 48, 48 Stat 112 ; ( Gold Reserve Act ) UCC Article 9 ; UCC 1-201 ( 24 ) ; UCC Article 3 ; 31 CFR 225.2/ Government Obligation ; 31 USC 5118 ( d ) ( 2 ) ; 31 USC 463, Public Law 97-258 ; UCC 4-302 ; 12 USC 411 ; Securities Act ( 1933 ) ; Congressional Statutes At Large , Title 62, Positive Law ; 31 USC 5312 ; UCC 2-304 ; 12 USC 1831n ( a ) ( 2 ) ( A ) /Uniform accounting principles consistent with GAAP ; 12 USC 1813 ( l ) ( 1 ) Deposit money or its equivalent ; Public Policy ; Mailbox rule law ; the Stamp Duties found in HR Bill No. XXXX ( XXXX ) ; and settlement in terms of the United Supreme High Court of Justice, Rule 45. Pursuant to the Uniform Commercial Code, Capital One had accepted, acknowledged, and apply all payments and discharged the debt in the amounts for value accepted. The UCC is applicable in sales, leases, negotiable instruments, bank deposits, funds transfers, letters of credit, bulk transfers and bulk sales, warehouse receipts, bills of lading and other documents of title, investment securities, and secured transactions of commercial transactions. Pursuant to UCC 1-201, money is only a medium of exchange currently authorized or adopted by a domestic or foreign government and it included a monetary unit of account established by an intergovernmental organization or by agreement between two or more countries. The UCC and the countries that agree to it and the law merchant is that agreement. Capital One is obligated to adhere to it and to not violate the United States Code, nor infringe on my constitutionally protected rights. I believe Capital One, N.A. is unfairly punishing me, harming me, creating a hardship for me as a consumer, willfully infringing on my constitutionally protected rights, and for exercising the force of the highest laws of this Land, still on the books, active and relevant, and with precedents.
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10/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize fot the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline.
2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted.
3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records.
4 ) I have full appreciation to the CFPB for your great help in this matter.
5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have a Kohl 's card since XXXX but only used it ONE TIME in XX/XX/XXXX.
During Coronavirus I have been out of work and postponed all my payments to every creditor or else paid everything I could. NOTHING was late. I have been building credit for years and had no late payments before. This card was only to build credit. When I couldn't work I decided to pay the balance in full from my XXXX purchase. I signed in to kohls on my due date and paid the account down to XXXX in XXXX. I never had a phone call or bill from them. My bills are paperless. Any other time any bill is late any company calls yet they never notified me.
In XXXX I received a credit alert and to my surprise, there was a 60 day past due for Kohls. I called and they told me I signed in too late on the due date so they LATER added a late fee. I explained it was impossible because I paid it to XXXX on the due date. They corrected the fee and told me they would take care of it. I have contacted several times since then both online and by phone and asked to speak to a surpervisor. Each time no one ever gets back to me. I get overseas reps that do not seem to have any ability to fix anything but I am never able to speak to a supervisor or anyone that can correct this issue.
My online bill and account now says I had a late fee XX/XX/XXXX and paid on the XXXX which is absolutely not true. If I logged in too late on the XXXX then they obviously never had a late fee on there for the XXXX ( which is it? I signed in on the XXXX there was no late fee or they are now saying I paid on the XXXX but there still was no fee ) They are making dates up which makes this worse. I had a XXXX balance when I paid on the due date. If I paid it too late in the day on the XXXX I can accept a fee. What I dont accept is paying to XXXX and then getting no call, e-mail or bill to notify me I no longer had a XXXX balance. If I had been notified I would have paid it immediately as to not mess up my credit. I work so hard to try to get a mortgage and now still can't due to this. This tanked my credit and it's just so unfair to be punished when I did things responsibly, paid the account to XXXX, and didn't ask to have payment postponed although I was out of work.
I am impacted by Covid and I understand that I need to notify creditors of a concern. However, I didn't have a reason to call to tell them I was out of work since I paid the entire account off. Why would I report I'm out of work or I can't pay for a {$0.00} balance bill? I had no reason to log in or call them because I had no way to know they added money to my account after it was already paid down to {$0.00}. Obviously if I'm out of work I wasn't adding more to my charge card and never used it since XXXX.
I sent a correction to my credit reports and since I contacted so many times with no reply I assumed the credit report would just get corrected. Once I received the results of the credit dispute they are not even allowing it to get removed.
I also added XXXX because any time I ask them to confirm or correct incorrect information it does not appear to get corrected. I do not believe they are properly confirming info that I know is incorrect. This is not the only issue. Taking the word of a creditor is not the way to investigate. I am planning to report them further if they do not fix the errors I have sent them multiple times.
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07/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I booked a group vacation with XXXX based, XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was scheduled to travel to XXXX with them on XXXX *all dates are in XXXX format to match with my receipts and emails sent by XXXX XXXX.
I made two payments using my Capital One Credit Card - card ending XXXX USD XXXX - XX/XX/XXXX USD XXXX - XX/XX/XXXX *Please see the attached Flash Pack receipts of payment with the confirmed dates of trip Flash Pack postponed my trip on XX/XX/XXXX, due to Covid travel restrictions. As you can see from the email, my trip was rescheduled to XXXX of XX/XX/XXXX. I was also given a refund credit note which was due to expire on XX/XX/XXXX. It was made very clear to me that if I didnt use the voucher, I would have been fully refunded.
*Please see the refund credit note sent by XXXX XXXX which expires on XX/XX/XXXX.
*Please see the email sent by XXXX XXXX on XX/XX/XXXX Flash Pack went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
I attempted to open up a chargeback dispute in XXXX of XXXX using the Mastercard chargeback code : XXXX for credit - Merchandise services not received.
Initially, Capital One opened up the dispute but later refused to accept it.
I am informed from my bank, that the reason for this is that XXXX XXXX merchant acquirer XXXX challenged my dispute with Capital One on the basis that I may have been told that I was protected by Flash Packs financial failure insurance on their XXXX XXXX XXXX which is incorrect.
I am informed that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX Flash Pack were able to insure every customer globally and they changed the XXXX XXXX XXXX to reflect this on XX/XX/XXXX. As I booked before this time, I am not insured or protected by any other method.
When the challenge was flagged by my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured. I would have been able to submit the XXXX XXXX XXXX relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only. I would have also submitted a flowchart provided the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves. Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only.
*Please see the attached XXXX XXXX XXXX that are relevant to my booking *Please see the flowchart provided by XXXX Please see the email from the insolvency practitioners XXXX showing XXXX I am not protected by insurance Please see the email from the financial failure Insurers Towergate clearly showing that I am not insured I have been informed by the insolvency practitioners Fortis that XXXX credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter ( see attached ).
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02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Out of work for almost XXXX months due to contracting Covid and hospitalization. Was let go from my job a week after I was able to return to work, which was sometime XXXX, I'll have to find the exact date. Made car payments as well as other financial obligations out of savings while job hunting. My savings are now exhausted. Due to long tail effects from Covid, securing employment has been a challenge for me. I have secured employment which will begin XXXX. While I was still current on loan, I called to ask that XXXX payments be deferred to end of loan, was refused as I wasn't in arrears. After going XXXX days late, called again on XX/XX/2022 at appx. XXXX. After a XXXX min phone call, I was ultimately denied once again. First rep tells me computer says I'm ineligible for this relief. I escalated to Resolution Team, spoke with XXXX, Employee ID : XXXX. After refusing to accept generic " computer makes decision '', I was told this was because the account was too new, Capital One is audited by Federal Govt, Federal Law prevented them from overriding computer XXXX, which is bogus. I WENT TO CAPITAL ONE PRIOR TO EVEN BEING LATE! I ANTICIPATED THIS AND WAS SIMPLY ASKING FOR DEFERRAL OF XXXX PAYMENTS! I am not trying to get out of my obligation to Capital One Auto at all. I am trying to take the responsible path to resolve this unforeseeable and very unfortunate set of circumstances in a manner which WILL NOT cause a single penny of loss to Capital One. The actions of Capital One in my specific situation are CONTRARY TO PUBLIC POLICY!!! I guess acting in an UNCONSCIONABLE MANNER must be business as usual for Capital One. I asked for number to legal department to discuss, was refused that also. Facts of my personal situation : I was just approved for SNAP Benefits ( Food Stamps ), I will be evicted at the end of the month with nowhere to go and have been diligently seeking employment as soon as my health allowed. I am seeking a simple extension so as to be able to honor my obligations to Capital One, my situation a direct result of a WORLDWIDE PANDEMIC! I am filing suit against Capital One in small claims court today. I don't want to go this route, but feel I am being forced to by Capital One. They are acting in an unconscionable and, frankly, predatory manner. The facts of this case will not play well for them in front of a jury. My brother is a XXXX XXXXr in NC, so I am fortunate to have free competent legal advice to prosecute my case. I qualify to file as indigent, so this will not cost me a penny. Despite the arbitration clause stuffed down my throat my Capital One, I have the right to file suit against them in small claims court in NC. Further, should I not prevail, I have the right to appeal the decision to XXXX XXXX and be heard in front of a jury. I can and WILL cost Capital One XXXX XXXX costs defending this, whether or not I prevail. I am judgment proof and will be filing for bankruptcy eventually, so their threats of sticking me with a judgment for legal costs should I not prevail are toothless. The XXXX XXXX will dismiss those. I DO NOT want to pursue this course of action. However, if forced to, I will BURN EVERY XXXX BRIDGE!!! Please forgive my venting here. I simply wish for a minor accommodation due to an unprecedented worldwide pandemic. Hopefully this avenue will help resolve things in a fair manner for us both.
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12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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From XXXX through XXXX, I received a monthly repeating charge from a vendor called XXXX XXXX ( XXXX ), with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to my Capital One Credit card. Capital One is a large credit organization with address XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, UT XXXX. I first contacted Capital One in the summer of XXXX, requesting that they stop the charge from recurring on my card, since I had thought I had signed up for a one-time use of the service, but it was actually an automatically repeating charge of {$34.00}. ( As a side note, I never used the service, so that's pretty good money for the vendor using deceptive practices and placing a repeating charge in the fine print ).
I received a letter from Capital One on XXXX erroneously stating that I was disputing a charge from XXXX XXXX XXXX and that they could not block charges from this vendor. Since my previous contact with Capital One was to dispute the charges from XXXX and not XXXX, and since I noticed that the monthly XXXX charge was still appearing on my card, so I again contacted Capital One on XXXX. I speaking to XXXX in the Disputed Claims Dept for approximately 2.5 hours, and he initiated an investigation. I stated that, since I didn't have full documentation of my contact with Capital One from the prior summer, I would limit my dispute of charges to the late summer ( XXXX/XXXX ) going forward.
According to my records, I received a total of ten ( 10 ) letters between XXXX and XX/XX/XXXX, which detailed the status of the dispute, that I would be credited for the specific months being disputed and for me to provide any documentation to verify my claim ( even though I had explained to XXXX in my first contact that I didn't have any documents other than my undocumented lack of understanding signing up for the vendor 's service for a one-time use [ which was never actually used ] would result in a repeating monthly charge ).
Capital One then credited me and re-billed me for multiple monthly charges twice in billing periods XXXX, XXXX, and XXXX. The rationale for this poor recordkeeping was presumably due to Capital One not receiving the requested documentation and therefore ending their ability to dispute the charges. I dutifully paid these on time, but then received yet another re-bill from the company during the billing period XXXX. At that time, I had become fed up with their poor recordkeeping, and felt I was being harassed over the issue, so I contacted the company and asked them to cancel my account.
I paid the new re-billing charges on time, and lo and behold, I've received another re-bill to my account, despite the account being closed, during the XXXX billing period, in the amount of {$170.00}. I spent another 2.25 hours on the phone on XXXX with first XXXX and then XXXX in the Disputed Claims Dept, explaining my case, that I have paid the charges and when a company can not manage their records appropriately, they should not continue to harass the customer and should take a mea culpa and eat the charges. After multiple periods of up to 45 minutes on hold, I finally got a definitive " you owe us {$170.00} - end of story '' and I announced I'd pay, I asked for her confirmation that no further billing would be made on a closed account, and that I'd be reporting this repeated harassment and poor business practice.
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04/30/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have reached out to the collection agency several times to try and get the credit card debt resolved. Each time the agency has offered unreasonable options based on my financial situation. My most recent conversation with XXXX at the collection agency, on XX/XX/2018, last 15 minutes. My account balance as of this date is {$1700.00}. We discussed a settlement and a payment arrangement option, she said that the lowest they could offer was a 65 % settlement over 3 months. Or she told me to do {$470.00} down on the account, and then they could waive the late fees so the remainder of my balance would be {$1100.00}, and then I could start paying the regular monthly payments of $ 45-50/month. She said by doing this it would be paid in full, instead of doing a settlement and I would be paying the same amount as the settlement. I explained it would take a lot longer to get this paid off at $ XXXX/month, so I would be paying way more in the long run due to the high interest rate. She said that the interest rate is not negotiable but I NEEDED to do something because my account is not yet charged off. I offered to do 50 % as a settlement on the account, XXXX said Kohl 's would NEVER go that low. I told her I wasn't sure what to do then, because I can't afford the options she provided, and I would call back. She said she was going to put me on hold to see if there was someone that could assist me further. I said okay, thinking she would get back on the line and confirm if somebody else would be able to provide options that I could actually afford. Instead, she didn't get back on the line, she just transferred me right over to XXXX. When I got on the phone with XXXX he didn't verify who I was, outside of my name, and then asked how he could help me. I said I wasn't sure, I didn't know what was going on because I was just talking to someone else and now I'm talking to him and not sure why. He said yah I was talking to XXXX and she transferred me to him since he's the manager, and I won't make a payment. He then gave me the same exact option that XXXX gave me. He refused to resubmit my settlement offer to Kohl 's since he already did on XX/XX/XXXX and it was declined. I explained its now another 30 days late so they might be able to accept it. XXXX said no, it's still in the same standing ... which is not true according to my credit report. He kept trying to force me into an arrangement that I could not afford. I asked to be transferred back to XXXX, which he didn't like, and then finally did. I asked XXXX why she transferred me to him if he can't do anything to help me, she said because he is the team lead ( not the manager ). She then went on to list all the days that I called into the collection agency to try and get this resolved, as if it was a huge inconvenience for me to call and try to make arrangements, talking over me the whole time. Finally 21 minutes into the phone call she decided to verify my date of birth and last 4 of my ss #, and then decided to give me the mini miranda which had not happened up until this point. She then threw it in my face saying this account is mine, not hers, so it's not her problem. She also kept saying that it's still in a pre charge off status, essentially threatening what it would do to me if it charged off. She said the only time Kohl 's would ever accept a 50 % settlement is if it is charged off.
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02/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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In XXXX of XXXX i requested a payment plan to be in good standing with an account through capital one. The customer representative set me up for a payment plan, but did not discuss that this would keep me from being further reported as late. They also left me under the assumption that this payment plan would start and continue to keep my account in good standing. I was unaware that this payment plan would only prevent a charge off. They also stated that i set the account up myself through a mobile application. Although I tried to do so, the mobile application directed me to consult customer service directly, which i did and that is who set up the payment arrangement.
The amount set by capital one was $ 35 monthly, which the rep stated to me would get the account in good standing. they did not request any lump sump payment or direct me to pay any lump sum to correct the account. I individually signed on and completed a lump sum payment a few days after this payment arrangement to further get the account into good standing. The reporting to the credit bureau is showing my payment as late which is incorrect as capital one requested payment be made each XXXX and my payment was made on the XXXX.
Capital one is now reporting my payment history for XX/XX/XXXX as late, which is stopping me from applying to a mortgage. I apoke with rep one, who told me that the only way to resolve this would be to dispute it. rep 1 also stated that a {$79.00} payment was the " missed payment ''. I called and spoke to rep 2 rep 2 stated that there was no {$79.00} dollar missed payment history and that the account requested the full balance due be paid to turn the account in good standing. Rep 3 told me that neither of these were true and the only way target the account in good standing was to pay the minimum due which was a completely different total that reps 1 and 2 informed me of. I asked multiple times to speak to other supervisors. Rep 3 told me she was the highest I could go. Capital one falsely informed me of the purpose of the payment arrangement and in turn reported me as late when the payment requested was paid on time at the time of amount due.
Also, i asked multiple times for the reps to pull the recorded transcripts, as before each call they inform you that calls are recorded. They told me the only way to do so was to start an investigation and yet this still does not help me. they were unwilling to begin the process of pulling transcripts which would prove that I was given false information on behalf of capital one.
I requested a letter to state that my account was not late.rep 1 sent me a letter that I could not access, rep 2 told me no letter was possible, rep 3 wouldn't even initiate further conversation about a letter and told me nothing would be written.
I have written the CEO of capital one regarding this, I have requested someone higher than an account supervisor. I have reached out on social media, and I am now writing you. this is stopping me from applying for a mortgage and it is capital ones mistake, not mine. I need someone to reach out immediately that is willing to find a resolution to this issue. I will not stop reaching out to departments until i get a resolution. I will make a report to the BBB as well as seek legal assistance. I have disuputed this with all credit bureaus as well.
Please assist, XXXX XXXX XXXX
|
12/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
On XX/XX/2020, I sent out three debt verification letters to three companies. XXXX, XXXX and XXXX XXXX. I received a response from XXXX who stated they had no valid information to validate the debt and was removed from my credit report immediately. I never received a response from XXXX or XXXX. According to the FDCPA, I waited the 30 days and then gathered my information and sent it to XXXX. I contacted XXXX after 30 days to find out what was the status of the case. The first time, they had no info and after explaining that I had not received a response from the debt collector under the FDCPA law, I was asking for a decision to be made. The representative from XXXX stated that the debt collector, even though they had received a validation letter that needs to be answered within 30 days under the FDCPA, did not have to respond to me and could do so at their leisure. I explained to him that either he didn't know the law or he was just not listening to me, but as a professional, should not be giving out false, misleading information. I went ahead and requested a supervisor, who told me to contact XXXX and file a identity theft case. I just couldn't understand why I couldn't get an answer or help. I went ahead and reached out to XXXX XXXX to find out what information they had and were using to validate this debt. The representatives were rude and continuously talked over me. I explained the situation again regarding request for validation, and that I never received any. The representative stated that verification was sent, but to a address in Delaware where the account has no statue. I asked why the information wasn't sent to the address on the debt validation letter, and I was told that not because I send in a piece of paper with an address on it doesn't make it valid. The representative continued to tell me this was their policy and they would never send it to my current, or the address provided on the verification letter. I then asked her why after 2 months of requesting information, was I sent a letter dated XX/XX/ from XXXX XXXX stating that the statue of limitations to collect on this debt has expired. This was very recent. She became quiet and stated I needed to call back and speak to someone in the dispute department. XXXX was very unprofessional and both calls needed to be escalated to the supervisor just to get minimal assistance. These companies XXXX, XXXX, and XXXX hold peoples lives hostage by creating or allowing false information to pollute your files. It is said that trying to clean up and fix your credit is harder than getting into XXXX XXXX. I have disputed this information over and over and have not gotten anywhere. I believe XXXX violated their oath by allowing XXXX, XXXX and XXXX to keep negative information on my credit report, which in turn has hurt me mentally and financially. For years, XXXX and the other credit companies allowed XXXX to continuously place a collection account on my credit report with no verification. I have disputed this a few times as well. All it took was one verification letter for XXXX to get back to me stating they have no info to validate this debt. This is the reason I believe XXXX is complicit in false information to consumers, failing to accurately and thoroughly investigate a dispute, and lastly, failing to keep consumers safe from false information entering their files.
|
08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
XX/XX/XXXX, Capital One gave me an introductory 18-mo. 0 % APR rate on its credit card.
XXXX XXXX : I knew the end of the promotional period was coming up, but the end date was not on my statement. Meanwhile, I made all minimum payments on time.
First call, XX/XX/XXXX, XXXX XXXX : I called Capital One re. the end date of the 0 % APR. I was told that the introductory APR had actually ended on XX/XX/XXXX.
Second call, XX/XX/XXXX, XXXX XXXX, I contacted Capital One to ask them the date by which I needed to pay off the entire card balance, so as to not incur -- or at least minimize -- any interest.
The agent told me that as long as I paid the minimum payment on time every month, that I would incur no interest.
I knew that I now had an APR, and that this could not be true.
I tried to tell this agent that I no longer had a 0 % APR -- but that now I had an ~ 25 % APR.
My efforts for clarification made no difference : This agent kept repeating this error, as if reading a script ( e.g., that making only the min. payment was ok ). He did not seem to have my APR info on hand.
I gave up trying to communicate with this agent, & ended the call politely. I called again, hoping to get someone knowledgeable.
3rd call, XX/XX/XXXX, XXXX XXXX : I called again. The 3rd agent sounded more knowledgeable than her predecessor.
This agent confirmed that my 0 % APR had ended on XX/XX/XXXX.
But that I should not worry about interest, because my billing cycle had not yet ended.
The agent told me that if I paid off the entire balance by the end of the billing cycle ( XX/XX/XXXX ), that I would incur no interest whatsoever.
I went over this piece of information several times, repeating this info back to the agent, to ensure I understood correctly.
I also told this agent about my prior call with her less-experienced colleague. ( E.g., the agent who had erroneously told me that making the min. payment would incur {$0.00} interest. ) I stated that such an error could potentially cause great problems for customers, & that Capital One should be more careful re. its training of new employees.
This agent agreed, thanked me for alerting her, & said she would make a note of the erroneous prior info.
XX/XX/XXXX : I paid off my full balance ( {$7900.00} ). I thought everything was ok.
XX/XX/XXXX : My new statement showed an interest charge of {$150.00}.
XX/XX/XXXX : I called re. this charge.
A different agent told me that the information I had had, was incorrect : That I now owed interest going back to XX/XX/XXXX -- and that of course new interest was accruing every day.
I explained that I had Capital One had itself given me incorrect information. And that I had repeatedly gone over this information with the agent at the time. And that Capital One would have a recording of these conversations.
In light of Capital One 's own error, I requested that Capital One waive this interest ( the first few of any kind they had charged ).
This agent said there was nothing she could do to waive the interest. She said that she was sorry for the " miscommunication '' -- but that I now owed the interest.
I acted in good faith.
Capital One should : 1 ) include the end dates of promotional APR 's on its statements 2 ) Train its employees properly.
3 ) Take responsibility for giving erroneous information -- especially on twXXXX separate occasions.
|
08/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been one submitting any disputes or other information -- - on my behalf.
I will expect that with this deceleration that you allow for the CFBP to simply follow procedures in both the acceptance of a dispute and then, the response to the same in this portal.
I OWN this account, and do not dispute its ownership. Classification of this issue as anything else is against all rules and then laws that govern your compliance to react to a consumer inquiry, as XXXX has done 6 times in XX/XX/XXXX alone.
This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. Attached are screen shots of the current status of the XXXX XXXX XXXX. ( XXXX ) account on file with XXXX. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted.
Please do not manually " update '' the record any further, in a XXXX decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily.
The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. Have been provided.
1. XXXX XXXX XXXX, is a CLOSED collection account. XXXX. This account continues to remain OPEN, with no DATE CLOSED. XXXX has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate.
2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample XXXX report ( from XXXX published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - XXXX ( its own published document ) for this CRA 's standards for a credit report. Insertion of a collection account 3. According to the XXXX and the XXXX, and the XXXX 2 file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are = XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only.
Please see the attached XXXX layout specification, pulled from a search online.
5. Equifax has added a PAY HISTORY ( deleted, added, re - added ) XXXX XXXX XXXX has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of 120 days past due. This value is dedicated to Credit Grantors, as per the XXXX, XXXX and the XXXX File specification standards.
File Name XXXX - Past Due 120.
6. XXXX XXXX XXXX - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( XXXX ) standards.
This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side.
Delete the INNACURATE and INCOMPLETE Accounts
|
04/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
I was very stupid and fell for a scam. That is the bottom line. However, it is no excuse for Capital One to treat me, a customer XXXX years, as the criminal. I am a single mother of XXXX working XXXX different jobs to make ends meet so I am extremely busy and often very distracted. While no excuse, I did not pay as close attention to the emails as I should have.
On XX/XX/2022, I received an email from a student ( a supposed student ) at the University at which I work. It seemed like an easy ask, easy money, and because it came from the University I didn't question it... so I answered it. On XX/XX/XXXX I replied to the email she stated. I received an email back with all of the supposed information about " having my car wrapped to promote XXXX XXXX. '' and then sent all of my information.
On XX/XX/XXXX we confirmed everything. On XX/XX/XXXX, I was sent a check for {$2500.00} to deposit into my account. {$2000.00} was to go to the local " XXXX '' who was coming to do my car. We waited for the check to " seemingly '' clear. On Thursday, XX/XX/XXXX, I attempted to send it via XXXX and XXXX and got popups blocking it saying suspicious activity but I thought it meant on MY account. I didn't realize it was them. So I actually CALLED CAPITAL ONE TO ASK ABOUT THIS. The representative I spoke with on XX/XX/XXXX at Capital One recommended that I use my DEBIT CARD INSTEAD OF MY BANK ACCOUNT - " that way it will go through right away, '' he said! Shouldn't he have said something to me about it being a possible scam????
Anyway, he was right. It went through. {$1000.00} twice.
Then silence. Come Monday, I get a text that the specialist didn't work out and they were going to use a different specialist, so they sent another check for {$2500.00}. Everything seemed to be ok, so I deposited this check right before I went to my night job at XXXX. And this is where everything went south. I returned home at XXXX and opened up my banking app to deposit money and saw the first {$2500.00} reversed! That is when I realized I had been scammed.
I started calling Capital One an hour before they opened. I was absolutely hysterical. I finally got a hold of the fraud protection department and was so hysterical and told them how I wanted to catch this guy and how upset I was. They put me on hold for about 3 minutes. When they came back they said, at this time Capital One has decided to terminate its business relationship with you. We have determined that you are a risk.
Talk about whiplash! In those 3 minutes, they froze every single account I had including my son 's account - my son who lives in XXXX and was currently on Spring Break in XXXX XXXX, using his Capital One account where he put HIS OWN money that he had worked all semester saving for this trip which was now FROZEN and had no access to!
He had to borrow money to survive- to eat, to pay for the hotel, the car, everything! I had to borrow money to bring my account to 0 just so they would release his money! I had to borrow money to eat and survive because they froze all of my credit cards and other accounts. I had NOTHING because I fell for a scam! My XXXX XXXX XXXX with nothing because I fell for a scam. Capital One punished my family and me and rewarded this scammer! Now they are taking WEEKS to release the money that is rightly ours while it only took 3 minutes to leave us destitute!
|
11/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
OnXX/XX/XXXX a complaint was submitted. Complaint ID is as follow : XXXX Im aware I was violated. As a natural person who is federally protected who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation.
Im notifying CFPB that the consumer identified company helped damage my name and my reputation. This corporation offensive actives towards me as a consumer, such unauthorized use that didnt serve me any benefit.
Pursuant to 15 USC 1692c ( C ) I notified in writing that I refused to pay this alleged debt and I demanded that all forms of communication be ceased, however the attached shows the consumer identified attempted to contact me.
The consumer identified stated the following, We have confirmed that the information reported to the CRAs for your Kohls Charge account is accurate. Updating the information as you requested will create an inaccurate representation of the status of your account with us. The integrity of the credit reporting system relies on the validity of the information furnished ; we therefore respectfully decline your request to remove the account from your credit file. We apologize for any frustration this may cause.
The Consumer identified company I believe has violated the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers. As stated, I the consumer, the natural person, requested specific information and per the attached, my request was not answered appropriately.
The FDCPA simply states a requirement of the debt collector to deliver, to I the consumer and affiant, in the process of validating a debt. No debt has been validated, and I have never admitted any liability of this alleged debt in the past and I do not claim liability now. No proof of claim can be validated without the requested information which was provided. See attached.
In addition, it is a fact, I am aware a creditor in connection and in accordance with 16 CFR 433.1 ( c ) can not be both a credit card issuer and a creditor at once.
Notice, it is a fact, affiant has reason to believe and do so believes, this contract, pursuant to 16 CFR 433.1 ( f ), was intended to be written agreement with full willful disclosure as required in the Truth in Lending Act to in order for I the affiant, to be able properly contemplate any concerted and or cooperative activity between I, and KOHLS. Upon discovery, I have reason to believe and do so believe I did not receive such disclosure, as to be shown in the documents attached.
Notice, it is a fact, in accordance with 16 CFR 433.3 ( b ) ( 4 ), I the natural person, the consumer, has reason to believe and do so believes, a contract can not does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer, such as I, the affiant, to right to assert me against any holder of a contract with any and all legally sufficient claims and defenses which could be asserted against the seller of goods or services, and in this subject matter is KOHLS pursuant to the contract otherwise such contract is unenforceable and void.
|
03/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
My name is XXXX XXXX and on XX/XX/2020 and purchased an car from XXXX XXXX of XXXX. Initially that day I was going to have XXXX to finance my car using their finance company. However later that day I was able to get financing through my credit union. So on Tuesday morning, XX/XX/2020 I went to XXXX at XXXX XXXX and gave Mrs. XXXX XXXX the check. She then called Capital One bank to check to see if they had in fact processed my paperwork and they had not. She asked then to revert the loan back to her so that she could process the transaction with the check I had brought in. Once they reverted the loan back to her she processed my title with XXXX XXXX and I signed the paperwork and she took the check. Later that week Capital one contacted me saying I have a car loan with them. I contacted them to find out what was going on and they said that XXXX had processed the loan. I contact XXXX at XXXX and she stated that she would contact Capital One for them to get it straighten. One XX/XX/2020 I received a copy of an email from Capital One to XXXX stating that the XXXX cancel check should be sent back to them by XX/XX/2020. Now today is XX/XX/2020 and as of today Capital One is still saying that they have not received the check back. I have called Capital One and given them the tracking number for the check showing that although it was delivered to a different location of theirs they still have the check and a person by the name of XXXX XXXX had signed for it. Now I have spoken to a number of Capital one representatives and they all seem to not care that this mistake is on their part and that I their customer is being penalize for their mistake. No one seem to want to assist to get it straighten out. No one is tries to call XXXX on my behalf to get any additional information and I am completely feed up because this loan was not authorized to be opened. Capital One processed it in error and will not own up to it.
I still have an outstanding loan with them with a past due payment of {$160.00} because the first payment was due on XX/XX/2020. When I can in to purchase my car my credit score was XXXX and now my credit score is XXXX. I am tired of them giving me the run around. I am getting punished for something that was beyond my control and the fault of Capital One. Capital One should have never processed my loan because it was reverted back to XXXX. Capital One should have also never sent a check to XXXX and they should have never cashed that check.
As of today the loan is STILL OUTSTANDING and PAST DUE. I actually spoke with XXXX XXXX from XXXX XXXX and he sent me a tracking number for the check and in fact the check was sent to Capital One on XX/XX/2020 and signed for by XXXX XXXX. I contacted XXXX with the information and they saying that XXXX needs to resend another check instead of them trying to contact the department that received the check and have it sent to their finance department to processed. No one is taking the effect to resolve the issue.
Can you please assist in getting this resolved once and for all.
I have spoken to the following people personally XXXX ( ID # XXXX ) resolution specialist a couple of times and last time was XX/XX/2020, XX/XX/2020 and XX/XX/2020 XXXX on XX/XX/2020, resolution specialist XXXX ( ID # XXXX ) XX/XX/2020 resolution specialist XXXX ( ID # XXXX ) in the office of presidents
|
02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Cease and Desist and 1099C Request : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] Capital One Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX0 Cease and Desist/1099C Request RE : ACCOUNT NUMBER : XXXX I, :XXXX XXXX XXXX, the Authorized Representative of XXXX XXXX am sending the attached remittance coupon security to be paid in full with it being lawful money pursuant to 12 U.S. Code 411. I am notifying you in writing that I refuse to pay this alleged debt. This is my last attempt to resolve this matter as to CAPITAL ONE IS OPERATING UNLAWFULLY. Please help me understand how my credit file says one thing stating the Original Charge-Off amount {$790.00} but I received a coupon security in the amount of {$1000.00}, please explain how is a closed account gaining interest. Then again received an email XX/XX/XXXX about another charge off amount {$1000.00} by your company how is this possible all these different amounts. That alone is a major violation. So I attached this so-called statement coupon that I found out that these slips that you send me are a way of paying according to UCC 3-104 . I noticed that what you sent and are sending to me which you call statements and then youd redeem them as well as take the payment I sent you. That is double dipping of course and is illegal.
In light of CAPITAL ONE charging off the account XX/XX/2022 where is the 1099C form. A lender is obligated to issue to the borrower a Form 1099-C on the occurrence of one of seven identifiable events. One of those events is [ a ] discharge of indebtedness pursuant to a decision by the creditor, or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. [ sic or ]. When a lender issues a Form 1099-C for this reason, it is natural for a borrower to conclude that a debt has been cancelled by the lender. It also is natural for the borrower to assume that upon receiving a Form 1099-C, he or she has cancellation of indebtedness income, unless one of the exceptions under the ( Code ) applies.
I am demanding that you cease all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in writing via mail pursuant 15 USC 1692c. ( c ).
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : 1. Pursuant 15 U.S. Code 1666d, whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall
|
03/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
Dear CFPB, At about XXXX on Sunday, the XXXX XXXX XXXXXXXX XXXX, I logged into the Capital One App, and I saw that, I had been Pre-Approved for a XXXX XXXXXXXX Credit Card, which was stated in the App to be based on my well-kept credit. So, I went ahead and accepted the offer. Please note that I was not pre-selected nor was I pre-qualified. I was pre-approved! A few seconds later, I received an email from my credit monitoring service that there had been a hard inquiry on my credit.
There was no indication anywhere that there was going to be a hard pull on my credit and I had no idea that a hard inquiry was going to be made to my credit record for a card I was already approved for based on my credit which they checked and knew was great ( XXXX score ). I did not consent to a hard inquiry on my credit report. I called Capital One, rejected the credit card, and asked them to remove the report. The phone agent asked me to send in a letter.
The next morning ( a Monday ) I sent the complaint letter to Capital One via registered mail on the XXXX XXXX XXXX, and then I followed up with another complaint via email on the XXXX XXXX XX/XX/2022.
On XX/XX/2022, at exactly XXXXXXXX XXXX XXXX, a Capital One agent reached out to me on the phone and I explained to her that I accepted the pre-approved card on the app, and that there was no indication or disclosure anywhere that there was going to be a hard pull on my credit. That all I saw was that I was pre-approved which literarily means, already approved. Then I requested that the hard inquiry from my credit be removed. The Capital One Agent declined my request and re-emphasized that " in the eyes of Capital One, 'pre-approved for credit ', and 'pre-qualified for credit ' both mean the same thing ''.
CFPB, please how are consumers expected to magically see " through the eyes of Capital One ''? I have received other pre-approved credit cards from other institutions and it only results in a soft credit check ( XXXX XXXX for example ).
I explained to the Capital One agent that acts like this, that will result in significant impact on a persons pecuniary interest, based on words that differs from their ordinary common usage, require clear and informed consent, and should not be misleading. I explained that obtaining consent using misleading words in contexts that are understood only " through the eyes of Capital One '', is not consent. It is misleading and is an unfair and/or deceptive practice.
I emphasized to the Capital One agent that I was not preselected for credit. That I was not prequalified for credit. But that I was pre-approved for credit! And that there was no indication anywhere on the application that my " pre-approval '' will result in a hard pull on my credit. No mention of hard pull anywhere.
The Capital One agent declined to withdraw the inquiry and also refuse to provide me with any evidence ( even a screen shot ) of the supposed acceptance page where I supposedly consented to a hard pull on my credit.
CFPB, I strenuously dispute this inquiry to my credit and my request to Capital One to remove the false hard inquiry from my credit report with all the credit reporting agencies has been to no avail.
I did not consent to a hard pull on my credit and I am requesting that Capital One removes the false hard inquiring from my credit report.
Thank you.
|
09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
Capital one has discriminated against me and has caused severe hurt to provide for myself and my family. Capital one has discriminated me by denying me credit when capital one has no federally protected right to do so. I entered into a consumer credit transaction with capital one and extended my credit with my credit card. The definition of credit card in the truth in lending act which is according to 15 USC 1602 ( l ) is a card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property labor or services on credit. Keyword credit. Credit is my right in which I exercised and I am the original creditor in which the Truth In Lending Act says. Per federal definition of credit 15 USC 1602 ( g ) the terms creditor referral only to a person who regularly extends. I extended my credit with my credit card to obtain from Capital One. I would fall under the definition of person in the truth in lending act so in federal law it says I am a creditor. Pursuant to 15 USC 1602 ( f ) the term credit means the right granted. I give the right to credit to another person ( person being a corporation which is Capital One in this consumer credit transaction ) I have in fact been discriminated against by a voluntary system ( XXXX, XXXX, and XXXX ) in which that voluntary system is not backed by law. There has been an article on the CFPB website that said the reporting of consumer reporting agencies is voluntary. There is no law that states that I can be denied credit because of a voluntary system that was created and not backed by federal law.
According to 15 USC 1691 ( a ) ( 3 ) - It says is shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction because the applicant has in good faith exercised any right under this sub chapter. I have been discriminated against in fact because I exercised my right to credit because credit is the right granted by a creditor. There is no law that says I shall be denied credit because of a consumer report. Pursuant to 15 USC 1602 ( p ) this transaction would be considered unauthorized use as there are hard inquiries on my report which means that a consumer credit transaction took place and that hard inquiry in fact negatively impacted my credit and I did not receive my extension of credit in result of that. Capital one still proceeded to use my credit card but did not give me my right to credit definition of unauthorized use is a use of a credit card by a person other than the cardholder who does not have actual implied, or apparent authority for such use and in which the cardholder received no benefit. Capital one benefited from this transaction but I as the consumer and creditor did not. Capital one truly needs to rectify this situation as I continue to reach out and get my extension of credit as it is my right in the Equal Credit Opportunity Act and if capital one does not rectify this situation I would proceed to file a federal claim for compensatory damages - compensatory damages of pain and suffering for having to go back and forth and exercise my federally protected rights and the fact that this is impeding on my life and my ability to provide for my son.
I do not approve of any previous responses Ive already received from this company. I demand my extension of credit Kind Regards.
|
12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
XX/XX/XXXX : After making deposits into two separate bank accounts ( in person, with photo ID shown ) that had significant balances prior to those deposits, Capital One Bank without my authorization and without notifying me put on a restriction on the entire balances of both accounts ( one account is mine, and the other is a joint account with my wife. ) Capital One did notify by email, however, that both checks had been deposited, and that the funds would be available XX/XX/XXXX.
On XX/XX/XXXX my wife found out that a check she had written against the joint account was not honored because of a restriction on the account. She called Capital One Bank and was incorrectly told that " her husband '' ( me ) had put a restriction on the account, and only " her husband '' could get that restriction lifted.
On XX/XX/XXXX I went to our Capital One Branch to find out what happened. The teller there was unable to connect to the relevant Capital One department, but they gave me a number I could call. After an hour on the phone ( with three transfers ) I was able to get the restrictions on the accounts lifted, but was not given a reason for why the restrictions were put in place.
On XX/XX/XXXX I received a letter in the mail ( the letter was dated XX/XX/XXXX ) saying that because of " unusual activity '' Capital One was restricting both of our accounts, and it gave me a number to call. I called that number, explained that the restrictions had been lifted, but then explained why I was very upset and that I still did not understand why either ( 1 ) restrictions were placed on the entire balances of both accounts, or ( 2 ) why I had not been immediately notified about the restrictions.
On XX/XX/XXXX I sent a letter to Capital One Bank 's headquarters ( per the instructions given in the aforementioned phone call ) outlining my concerns and requirements for resolution.
On XX/XX/XXXX I received a notice from my wife 's health insurance company that they did not receive the automated monthly premium payment ( from a Capital One account that was restricted ), and that as a result we were delinquent ( I paid that premium immediately online with a credit card, but was assessed a {$45.00} late fee. ) On XX/XX/XXXX I received in the mail a letter from a member of Capital One Bank 's " Bank Escalation Solutions Team '' that tried but failed to address my concerns, and which did not adequately explain why restrictions had been placed on the entire balances of our two accounts.
On XX/XX/XXXX I reached the person referenced in the aforementioned letter, and went through in detail what my concerns were, how there were not addressed in the letter, and what I expected from the bank. The person said Capital One Bank would send another letter.
On XX/XX/XXXX I reached that person again and said I had received no letter, and he said it had been sent at the end of the previous week.
On XX/XX/XXXX I reach that person again, told him I had still received no letter, and asked him to send me a copy via email, which he did. The letter, however, did not address most of my concerns, and it also did not provide an explanation of why restrictions were placed on the entire balances of both of our accounts. The letter did acknowledge, however, that Capital One Bank was in error by not properly notifying me when the restrictions were put in place.
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02/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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My lender is Capital One, and they have unfairly and continuously threatened to foreclose my home.
I am now in Chapter XXXX bankruptcy and I was asked by the court to modify my loan for which I am perfectly qualified. I was in financial distress in the past few years, but I have recovered substantially. In the meantime, I have been making substantial payments to capital One through my chapter XXXX plan.
In my hardship letter that I included in my Capital One loan modification application, I reassured them about my financial improvement. I have sent them sufficient pays-tubs to prove my affordability status, which should be beyond their requirements.
My loan modification was denied and instead, they have offered me two options : short sale or deed in lieu of foreclosure.
I have to mention that I also have sufficient equity in my home per Capital Ones appraisal report. So neither one of these to options of short sale or deed in lieu of foreclosure should apply to my case. Their conduct to attempt to foreclose me under these circumstances should be unethical, if not criminal.
I received a Right to Appeal Notice from CapitalOne. This letter provided a deadline of 17 days from the date on the letter that had already passed when I received the letter. I had previously received phone calls regarding rejection of my loan modification, but I was not given a deadline for appeal. Therefore it was impossible for me to respond and request an appeal in a timely manner when I did not even have the actual letter in hand. However, I attempted to send them the appeal anyway, hoping that it would be accepted.
I have asked Capital One to make necessary corrections in their files, and to complete my request for a loan modification with the 2 % interest APR as I was quoted. They have referred me to their escalation department and then to the office of their president pretending that they care to help. But when I talked to the individuals in these departments, I received nothing but negative remarks.
It is worth mentioning that I have received numerous letters from CapitalOne assigning different account managers each time to my case. Neither one has much information about my case or an answer any questions when I call for help. They are hired to just read a few lines from a script.
Many of these account managers have advised me NOT to send updated information about my income after filing my first loan modification application because adding information would only delay my approval. So now that I am indeed denied, they are asking me to send updated information as an appeal or worse, as a re-application from scratch.
I am confident that I can afford the payments once my loan is modified. Plus, there is excessive amount of equity in my house. Being in bankruptcy, I have been ordered to submit a modified loan with an imminent deadline. However Capital Ones proposal to offer me a short sale or deed in lieu of foreclosure do not apply to me due to my excessive equity and my affordable income.
I am a single XXXX old woman, and I have had this house for 19 years. I can, and I need to keep the house, but somehow the bank is determined and threatened to take it away from me.
I need a loan modification for my Chapter XXXX plan to be approved, and I would really appreciate your guidance in getting an accepted loan modification.
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03/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
|
|
Web |
|
On XX/XX/XXXX I received a phone call stating they were an officer from the XXXX County Police Department ( number was spoofed to seem like it was coming from the XXXX County Police Department ) and my information had been used in connection to a drug trafficking/money laundering case down in Texas. They then stated I would be transferred to the Social Security Office for further details. The next person I talked to claimed to be Agent XXXX XXXX stating that since my identity has been compromised and will need to be issued a new social security office. However, they said before they could proceed they needed to hold the money in my account and it would be reimbursed after the case was settled. I was instructed to go to the bank and wire the balance of my accounts to the attorney general ( account name XXXX XXXX XXXX at XXXX XXXX XXXX to account number XXXX and routing number XXXX ). At capital one I wire transferred {$30000.00} to that account instructed - during the interaction no questions or concerns were raised by the employees at capital one.
XX/XX/XXXX evening I realized that this call had been a scam when i called the XXXX county police department and was informed that they had no record of my case. I immediately called capital one around XXXX and reported the fraud. I was assured that I would be able get the money back and the bank takes fraud very seriously. At the time the transaction was still pending however I was informed that I would have to wait until the charge posted to be able to call the fraud department and officially file a case and I was not notified of the urgency of which these actions needed to be done.
XX/XX/XXXX at XXXX I called the fraud department and the representative assured me that I would be able to get my money back and they stated that a wire reversal request and fraud investigation request would be submitted. However they were not able to give me a claim number at the time because the paper work had not been processed.
XX/XX/XXXX around XXXX I went to the capital one branch in XXXX to open new accounts and place my old accounts on hold to get ready to close them. During this interaction the bank employee called the fraud department to place our accounts on hold and at that time he was told to inform us that it is not guaranteed we would be able to get our money back because if the money was removed from the account it was wired too, there was nothing they would be able to do to retrieve the funds.
XX/XX/XXXX around XXXX I was able to speak to XXXX the supervisor of the fraud department in which we were informed that we should not have been initially told I would get the money back and that the wire reversal request and fraud claim still had not been processed - at the time we still did not have a claim number at this point.
XX/XX/XXXX around XXXX I spoke again to XXXX who stated that they had spoken to XXXX XXXX XXXX and the funds had already been removed so there was no way to recover the funds. At this time a claim number had been generated but we were informed an investigator was still not assigned.
XX/XX/XXXX around XXXX I called the fraud department to follow up on my case and was informed that the notes in the account stated to inform me that the funds had been removed from the account and could not be retrieved and the investigation had been closed XX/XX/XXXX
|
02/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Friday XX/XX/XXXX RE : Social Security Number : XXXX RE : ACCOUNT IN DISPUTES ACCT ( FILE # ) XXXX This letter is in response to your recent claim regarding the above-referenced accounts, which you claim I owe {$2000.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Moreover, please provide the following information : The statement the original creditor sent to me showing that it planned to charge-off the debt and send it to a debt collector ; A statement describing how the debt collector acquired my debt from the original creditor ; Information regarding any prior settlement of the debt Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX DL # : XXXX XXXX XXXX D.O.B. : XX/XX/XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Tel : ( XXXX ) XXXX Cc : Attorney Generals Office, Consumer Complaint XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : ( XXXX ) XXXX Cc : Better Business Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Tel : XXXX
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03/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
A credit was issued from XXXX in the amount of XXXX on XX/XX/XXXX, posted to my Capital One Account ending in XXXX. A check for this amount was requested, a XXXX XXXX requested this as per her reply to CFPB to another complaint. However, the account still reflects a balance of XXXX currently which includes the credit amount from XXXX and temporary credits of XXXX and XXXX, as well as several overdraft fee credits. It does not appear a check has been requested/sent. There are also several items still in dispute which include two purchases made from XXXX on or around XX/XX/XXXX, in the amounts of XXXX and XXXX. At time of claim filing, email received from Capital One with claim information stated dispute would be closed by XX/XX/XXXX, they have closed two other items included in claim from XXXX and XXXX, items from XXXX remain unresolved. These orders were left in a parcel locker, which I do not have one at my address. It appears the carrier left them at incorrect address or possibly in a locker at post office, it is now past 60 day time frame to file claim with USPS. The local post office has been unable to locate whereabouts. The merchant, XXXX, is uncooperative. They refer back to USPS which in this case, is too late to file any claim which even if filed, may or may not be approved. One of their reps stated there is no insurance included on either package. Tracking numbers which I do not have available to me at this time shows both packages delivered on same day, XX/XX/XXXX, left in a parcel locker again, no insurance purchased by XXXX. A rep I spoke with in Centralized Claims at Capital One stated this portion of claim was also denied but then reopened as the merchant might have provided false and or inaccurate information. I was able to submit another dispute today, XX/XX/XXXX, which included these items with same information pertaining to loss of them, left in a parcel locker which I do not have at my address. If dispute was supposedly closed then reopened, then it should show a claim is already pending, which it did not when I resubmitted. The account is closed or in process thereof, it is not clear to me which is the case as credits are able to post to it. If it is in fact closed, credits should not be allowed to post. I was advised by a rep in department handling my account it would be closed, this conversation took place sometime in XX/XX/XXXX, it is now XX/XX/XXXX and still no sign of closure aside from no access to funds. Please note, this is the one and only conversation I've had with this department, they do not return calls despite numerous messages left. I've even attempted to reach out to XXXX XXXX today, XX/XX/XXXX, a message was left and not returned. Several items were also placed in dispute on XX/XX/XXXX, including items from XXXX XXXX, XXXX. I did not receive a confirmation email regarding this dispute and items listed in it. It is not clear to me the status of them and or the XXXX items. The account status is not clear either, I was told it would be closed in XX/XX/XXXX and it is now XX/XX/XXXX. In closing, please advise XXXX XXXX that any credits issued to account will need to be sent to me via check immediately, I am currently working to resolve dispute ( s ) including one with XXXX XXXX. Should any of the merchants in question issue credits then those need to be sent to me via check ASAP.
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02/17/2017 |
Yes |
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Web |
|
Starting in XXXX of XXXX, The State of Florida staged a fake eviction against me - predicated on the idea that skipping rope during the day can be a legitimate grounds for evicting a single tenant living alone at an income-restricted and therefore family-oriented rental property - in retaliation for my efforts to call attention to the fact that HUD can only have been created alongside the Civil Rights Act specifically to void it at its inception, by representing Federally institutionalized denial of Due Process to groups protected under Title VIII of the Civil Rights Act, in the absence of any provision for HUD rules to be adjudicated in Federal Court or for County Judges to be required to recuse themselves from landlord-tenant disputes involving HUD rules within any Municipalities wherein HUD 's Programs are not fully privatized, because of the automatic financial ties which all county Judges must have to all landlords participating in HUD 's Programs within those Municipalities. As part of its efforts to retaliate against me for calling attention to the deliberately fraudulent nature of the Civil Rights Act, the State of Florida hired XXXX attorneys specifically to sabotage my case, XXXX XXXX, XXXX and also XXXX XXXX XXXX, XXXX.
Despite being provided details concerning the fraudulent conduct of the State of Florida and XXXX XXXX, Capital One chose to uphold the {$2000.00} fee I paid to XXXX XXXX on XXXX/XXXX/XXXX. Furthermore, Capital One elected not to forward my dispute of a {$310.00} airfare I paid to XXXX XXXX on XXXX/XXXX/XXXX. I firmly believe that Capital One has made these decisions, both of which were reaffirmed in connection with my Complaint to the Consumer Financial Protection Bureau against Capital One on XXXX/XXXX/XXXX, in support of the efforts by both the State of Florida and the Federal Government to ensure that anyone in this country who feels that the Civil Rights Act should ever amount to anything more than the very definition of a fake law in practice - just as surely as the Civil Rights Act is the ultimate expression of the Democratic Ideal of enforcing laws impartially on paper - is targeted and punished by those in authority for doing so, as the country increasingly embraces the notion that Democracy was never intended to be anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy throughout the entire world.
This targeting, incidentally, is made possible by the XXXX heritage of demonstrating solidarity with the rest of Humanity by openly embracing its collective, fierce enmity towards XXXX and everything its stands for - as the segment of Humanity most imbued with XXXX - and the need it engenders in them to constantly reaffirm behind the scenes in the sight of their fellow citizens to those of XXXX in this country that they have no right to participate in countries with great material wealth for any reason or under any circumstances, and then publicly demanding to be compensated for being silent about Humanity 's intense enmity towards XXXX and all that it stands for on the grounds that unlike the rest of Humanity, their silence constitutes willfully complicity in XXXX. As XXXX are learning, however, the very fact of this growing complicity increasingly leaves them in no position to demand compensation for it. My most genuine thanks to you for your time.
|
08/01/2015 |
Yes |
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|
Web |
|
To Whom It May Concern, Good morning. Please, I am seeking help with inquiring into a balance that has become outstanding with the company Capital One.
I opened this account 14 years ago in XX/XX/XXXX. It was my very first account to begin a credit history and this during my enrollment into college. I have diligently paid on this account and never in any lien for 14 years. I have already paid off the student loans years ago because their interest practices were subsequently fair.
I have opened other accounts over the years ( car insurance, other emergency credit cards, etc. ) All United States companies. Every other interest-based company I 've ever dealt with in United States has, following my establishing a good payment standing, automatically lowered my variable-interest rates ( not my credit limit ) or continued seeking ways to offer me waived potential fees ( such as removing inflated operating fees ), to reward my good payment history, help pay principal and keep me as a customer. They would seemingly also do these so their federal and consumer-protection practices remained compliant.
During all these events, I have never once for 14 years, been offered any reductions or adjustments or anything offered from Capital One. I understand it was my first card years ago. But, the APR is not fixed. Interest raised the principal to the point where I could not easily transfer the balance years ago. I then tried to stop the card. The majority of my current balance with them is purely, once again, interest. I have not encountered this with other non-fixed APR-based companies. Over {$1000.00} from multiple interest and other fees accumulates every 11 months for years now. Although, I had never made lengthy late payments to warrant it and maintained a XXXX FICO score all years leading to this.
Please see then also attachment. The balance reflects not the small total purchases made with this card annually, but reflects totals largely derived from interest.
The only reprieve came when current federal administration stimulus plan lowered and capped rates on existing accounts following the banking, automotive and housing bailouts of recent years. But, it was short-term. The administration 's regulations on banking expired ( seemed not more than 6-9months ) and the interest rate resumed.
So, please I would request assistance because I do not know how to address the matter. Thank you. Please, I would like to inquire for any help checking into the matter, especially ( but not limited to ) of certain interest policies with the company Capital One. Thank you so much for any help you can provide.
Best Regards, -Name omitted as per request of CFPB-P.S. The account is outstanding. Otherwise, I have XXXX liens or outstanding debts. The college loans paid off in-full all-closed. I financed then also a home since XX/XX/XXXX with XXXX XXXX 30 yr fixed-3.75 %. I have XXXX unpaid property tax, XXXX other unpaid home utilities, zero unpaid federal & state income taxes, zero arrests, zero unpaid parking tickets, etc. But, I have, once again, paid capital one interest ongoing 14 years. I have n't, in other words, had ongoing issue in all my personal and credit life with any but this ONE card. Please freely review my credit background to verify this information I 've given. Thank you, once more, so much for any help you can provide.
|
04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
In XX/XX/2019 XXXX XXXX XXXX inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that XXXX XXXX XXXX has been furnishing debts bought from Capitol One Bank and attempting to collect these invalid debts from me. I responded to XXXX XXXX XXXX & Capitol One on XX/XX/2019, XX/XX/2019, and XX/XX/2019 via certified online mail with a cease and desist letters and I also sent a certified letter asking them to furnish proof of standing. They both have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against Capitol One and XXXX XXXX XXXX.
My family and I are in the middle of purchasing a home. This behavior is unacceptable.
The failure on behalf of the creditor, Capitol One and collection company XXXX XXXX XXXX have cause great pain for my family and I.
Here 's a copy of my latest letter " XX/XX/2019 ( Removed for publishing purposes ) XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding account # ( Removed for Publishing purposes ), which you claim I opened XX/XX/2019. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : ( removed for publishing purposes ) P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ''
|
04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I purchased a mattress online. The merchant ( XXXX ) included 2 free pillows in order. The free pillows are mandatory, there is no option to remove them from the cart. The words " free pillows '' is mentioned on their sales page multiple times. There is never an asterisk after the word " free '' tying it to any further conditions. None of the product pages or checkout pages have any conditions about the free pillows indicated.
When the free pillows arrived ( which again I did not " order '' -- they just included with my order ), I gave them to a friend because I did not need them. The mattress I later returned. I was refunded for the mattress. However, I was told I either needed to return the " free '' pillows, or I would be be charged {$93.00}. I told them, I'm sorry but there was never anything mentioning that condition when you guys stuck them in my cart, so I already gave them away. Plus, I told them what they are doing is an illegal marketing practice. If there is a condition to your " free '' product, you must use an asterisk to tie it to the condition. They are not doing that, and surprising customers with charges for things they did not order. The merchant did not comment on the legality of what they are doing, they just said it's their policy. They were unwilling to refund part of what I paid for the mattress in order to cover their free gift.
I disputed the {$93.00} charge with Capital One. I submitted 8 pages of detailed notes, screenshots, and emails of what occurred. Capital One provided a credit at that time. A couple weeks later, I saw the credit was removed on my account. I had not received any notice about that. I called Capital One, who said the merchant had responded and so they reversed the charge. I said, where is my copy of their response and notification? They basically said, oops, we didn't send it to you. Finally, I got a copy of the merchant 's response which was just 3 sentences basically saying " this is our policy, please close this dispute. '' Capital One found this a satisfactory response to my 8 pages of documentation. Then Capital One told me, well if you want to continue the dispute, you have to send in pages and pages more of detailed documentation. I told them, hey I already did that! You have 8 pages, there is nothing more to say. Everything you are requesting I already sent in. Did you even read it? They basically said, well if you want to continue your dispute, you need to resubmit all this information. I told them, I'm sorry, but I'm not doing that. Everything you are requesting, I already provided. I am not going to repeat things that are already been done. At this point, I consider their requests for more an more information without even seriously reviewing or commenting on what was already sent to be nothing short of harassment. Also, at Capital One you can never get access to the real decision makers for the dispute. The person on the phone has zero decision making authority and speaking with them is pointless. The " supervisors '' also have no decision making authority. The people who actually make the decisions are not allowed to be contacted. So, you never get a resolution, just endless back and forth with more and more unreasonable demands. All of this ends up being a giant waste of time for the consumer who has tried in good faith to cooperate. Unacceptable.
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07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX I made a reservation with XXXX XXXX XXXX in XXXX XXXX, XXXX through an online company called XXXX for XX/XX/XXXX - XX/XX/XXXX. The cancellation policy was free until XX/XX/XXXX and from XX/XX/XXXX - XX/XX/XXXX there would be a {$45.00} USD proccessing fee and non-refundable after XX/XX/XXXX. On XX/XX/XXXX my Capital One credit card was charged {$450.00} by XXXX. We were monitoring the travel restrictions to XXXX due to COVID-19. On XX/XX/XXXX we learned XXXX XXXX XXXX suspended our flight to XXXX as all borders were closed. Additionally, our flight to XXXX XXXX was canceled on XX/XX/XXXX. On that date we began the process of cancelling all our hotel reservations. We were successful with all except for XXXX XXXX. We tried to contact XXXX and their phone number was out of service. I checked online and found they filed for bankruptcy on XX/XX/XXXX. I attempted to contact XXXX XXXX XXXX directly. Their website has an email address for contact. I sent an email asking them to cancel our reservation and did not hear back. On XX/XX/XXXX, I tried emailing directly from my email to them and did not get a response. I tried calling the phone number listed on their website and it did not go through. I checked online and found others were unable to contact the Resort. I then called Capital One and explained the situation that I was having difficulty cancelling the reservation and began the dispute process on XX/XX/XXXX with XXXX case # XXXX. They reversed the charge and put through the dispute. On XX/XX/XXXX, Capital One requested additional information. We sent all the requested information including the reservation statement with cancellation policy, email correspondence with XXXX XXXX requesting the reservation be canceled. On XX/XX/XXXX Capital One also sent a letter stating the merchant provided information stating 'confirmation showing no cancellation per policy was received ' and attached 16 pages apparently from the merchant that was illegible ( poor copies and can not read any of it ). On XX/XX/XXXX I received correspondence from Capital one stating my dispute was denied and the {$450.00} was charged back to my credit card. On XX/XX/XXXX, I called Capital One and spoke to a supervisor, XXXX. I again explained that I could not contact anyone to cancel the reservation ( I did email, but got no response ) before the non-refundable cancellation date. I even began the dispute with Capital One before the non-refundable cancellation date. She even tried contacting XXXX and XXXX XXXX by phone and also was unable to get through. I asked her how Capital One got through to them to get a response from them. She said, they did not contact the merchant, but the merchant 's bank. I asked for the contact information for the merchant 's bank and she said she could not give out that information. I told her I could not read any of the information they supplied from the merchant stating there was no cancellation. She said they said I canceled after the check in date and was a no-show! She wouldn't provide legible information to me. She said there was nothing I could do. She gave me the CEO, XXXX XXXX email address : XXXX. I emailed him with all of this information and copies of everything on XX/XX/XXXX and have not received a response. We could not travel to XXXX in XXXX due to closed borders that was beyond our control.
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11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
Since XX/XX/2022, ( 4 ) official, registered mail notice letters have been sent out to XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank, XXXX, XXXX and XXXX XXXX XXXX XXXX. regarding clear and factual violations of FRCA ( Fair Credit Reporting Act, 15 USC 1681a ), specifically, section 603 ( 2 ) ( A ) ( i ) ; EXCLUSIONS. All four entities mentioned have either refused to respond in writing and/or have blatantly refused to comply with the above federal statute and provision, by continuing to submit data to all three credit bureaus- XXXX, XXXX & XXXX XXXX which includes " ... transactions or experiences between the consumer/myself ) and the person making the report ( credit & loan providers/servicer ) . '' To be more specific, " ... transactions or experiences, '' include data/information, which openly discloses to the public, without implicit authorized permission granted by the consumer, 1 ) exact dollar amounts and 2 ) detailed payment history, by which my US Senator XXXX XXXX Office confirmed to me in a phone call, to wit, " ... a clear, concise and non-ambiguous categorized, textual interpretation of the FRCA, under Exclusions, as read under section 603 of the FRCA. Subsequent conference calls with each respective legal compliance of all three national consumer credit reporting bureaus confirmed that I should submit a request to all entities whom are reporting and sending this data to the credit bureaus, " THEY SHOULD CEASE AND DESIST FROM SUBMITTING SAID DATA- i.e. dollar amounts and payment history ; as part of their reporting requirements of existing, active and non-active accounts. The preceding phone call was, in fact, an admission by all three credit bureau legal compliance departments, as to their complicit, knowing and willingly cooperation, as co-conspirators towards on-going violations of section 603 of the FRCA, imposed upon every single consumer within the United States of America . All three credit bureaus confirmed to me on the same call that if the data is not submitted and placed onto my consumer report, the algorithms used to generate an accurate and fair FICO score would reveal a FICO score between 115-128+ points higher than my current FICO score. Willful, intentional and knowingly reporting dollar amounts and payment history negatively affects FICO scoring results to reveal actual creditworthiness, which is racially prejudicial, biased and discriminatory, along with a potential violation of Data Privacy Laws and Consumer Privacy Laws, in conjunction with willful and intentional FRCA violations.
Continued reporting and submission of this data by my creditors, to-date and retroactively have and continue to expose me to financial losses every single week. XXXX legal department also sent an email to me, stating, they would continue to send this data to the credit report bureaus, even as their own internal policy, under Credit Reporting, clearly stipulates, that reporting to the credit bureaus is discretionary and not mandatory requirement. XXXX effectively admitted in writing in an internal email to me through the secure e-messaging platform, they were choosing to continuing discriminating against me, even though their internal bank policy allows for discretionary, at-will treatment of issues and concerns brought to their attention. Capital One Bank and XXXX have not responded, to-date.
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03/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/20, I purchased a salt cell for a pool salt water system from The XXXX XXXX XXXX ( {$230.00} ). The cell never worked correctly, and never generated the amount of chlorine that it should. When I finally determined it wasn't working correctly, I reached out to The XXXX XXXX XXXX for a replacement. The company never returned any phone calls or emails.
Research later determined that many, many, many people had experienced the same thing : a faulty cell and no support from the retailer. The retailer was and still is unresponsive. They didn't respond to my inquiries or the credit card dispute 's inquiries.
I was forced to purchase a replacement cell. This time I bought a different cell from another retailer. The same credit card was used. It was purchased on XX/XX/20 in the amount of $ XXXX+tax. Note, this is more expensive than the transaction in dispute. It works without any problems as it should.
I reached out to Capital One to dispute the charge. All I got was the runaround. I was told because it was still under warranty, that I couldn't use my credit card 's warranty that extends it an additional year. They also stated I would need to get a professional to my house to provide a written estimate to fix. This was absurd because the cost to do so would have been more expensive than the cost to replace it. I brought the cell to a testing facility and they told me what I already knew : the cell was faulty. Hence, I bought another one as mentioned above. I filed more documentation with the credit card company including my statement, evidence of the purchase, evidence of the replacement 's purchase, pages of consumer complaints filed on a website regarding the retailer, copies of my email communications to the retailer as well as the manufacturer. It turns out the manufacturer owns the retailer which would explain why they never responded either.
The credit card company still rejected my request for warranty coverage/purchase protection. Finding that resolution unacceptable I spoke with a gentleman named XXXX at the credit card company. He was the " Fraud Industry Manager. '' " XXXX '' is his employee id. According to my notes from this discussion, uploading a personal statement would suffice for the claim. He swore he'd get back to me. I never heard from him again.
Purchased : XX/XX/20 Dispute Filed : XX/XX/20 Supporting Evidence uploaded to credit card company : XX/XX/20 If the credit card company isn't going to stand up to clearly fraudulent retailers, why offer any type of protections at all?? By not doing so, they're supporting the businesses that are SCAMMING PEOPLE. All of this should fall under the additional warranty protection. The fact that the retailer is unresponsive to warranty requests means the product 's warranty can't be pursued, leaving no other recourse. Capital One is PLAYING GAMES suggesting I'd have to wait for the product 's warranty to expire before getting reimbursed, but NOW THEY'RE REPLACING MY VISA CARD WITH A MASTERCARD and I fear this will end any additional attempts to be made whole. I've been a customer for 10years+ and all they do is give their customers the runaround when there's a problem!!! It's getting to the point I absolutely DESPISE THIS COMPANY AND HOW THEY HANDLE THESE MATTERS!! Frankly, if they can't see this was a scam, some employees should be FIRED.
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05/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I filed a dispute with my bank on XX/XX/XXXX in the amount of {$550.00}. I have been communicating with a merchant since XX/XX/XXXX for a website development project. He gave me a date of completion before XX/XX/XXXX. The merchant still failed to complete the project entering the month of XX/XX/XXXX. After XX/XX/XXXX, the merchant discontinued contact with me. After several attempts to reconnect I reached out to my bank for assistance in collecting funds for services that I had not received.
My bank contacted me on XX/XX/XXXX for documentation. They contacted me again on XX/XX/XXXX stating that my dispute was closed due to not receiving the documentation in time. They refused to reopen my case despite my evidence clearly showing the conflict in their decision.
My frustration is that the merchant and myself have been communicating for over seven months. My bank requested specific information which took some time to sort through. I was unaware that I was on a timeline and the bank chose not to disclose this information. I have had a dispute in the past, in which, a timeline was never given. It is an investigation which means its over when the evidence has been reviewed and a substantiated decision has been made.
My bank has not handled this properly and I'm still out of {$550.00} for services I have yet to received with absolutely NO assistance from a bank I've been with for over 5 years.
I requested the documentation from my bank concerning their final decision. My documentation that was sent directly conflicts their decision. It is clear that the merchant has not fulfilled his promise of services which makes this even more upsetting.
I have contacted my bank several times, in which, they state they can not reopen the case due to legal obligations and restrictions. I requested the name of the restrictions or policies, in which, no one was able to tell me or simply refuse to tell me. I would like to see the rules and regulations that is preventing me from continuing my dispute.
Also, after speaking with my bank via email and phone they state that they are unable to reopen my dispute due to a timeline, but an email sent from them gives instructions on how to reopen a dispute. I completed those instructions and now they state it is too late. I am confused. The email is as follows : XXXX XXXX XXXX, We received your request to re-initiate a dispute for the following transactions : Transaction Date ( s ) and Amount ( s ) XX/XX/XXXX - {$350.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$200.00} - XXXX XXXX XXXX XXXX XXXX We sent you an email on XX/XX/XXXX asking for some additional info.
We didnt hear back from you, so we closed the dispute. Our research shows the disputed transaction ( s ) are valid, and without more info we arent able to investigate further.
If youd like us to open it back up, please send us the following info : - A detailed description of the merchandise or service you didn't receive - The date you expected delivery of your merchandise or service Here are 3 easy ways to send this info ( be sure to include your name and claim number ) : - Reply directly to this message - Send a fax to XXXX - Mail it to Capital One Claims Processing Center, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX To contact the merchant, give them a call Thanks, Claims Support Center Capital One Member FDIC
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11/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Capital One refuses to investigate fraudulent credit card charges.
In XX/XX/2018, I found two unrecognized charges with merchants I did not know, recognize, or authorize on my Capital One account both made on the same day of XX/XX/XXXX : 1 ) {$1.00} for XXXX XXXX for " professional services '' and 2 ) {$1.00} for XXXX XXXX " other services '' I did not recognize the last 4 digits of the card ( XXXX ) on which these charges appeared either as it was not on my primary acct but perhaps on an authorized card that I also did not recognize.
On my next stmt ending on XX/XX/2018, two new charges from these same merchants appeared for different amts on different days on the same acct I did not recognize : 1 ) {$39.00} for XXXX XXXX for " professional services '' and 2 ) {$29.00} for XXXX XXXX " other services '' I disputed all four charges. Around this time, I learned that I had been the victim of identity theft -- several credit card applications were submitted and accounts were opened in my name under my SSN. I immediately placed a Fraud Alert with the credit reporting agencies -- but to no avail. I continued to receive new accounts that were opened EVEN AFTER I placed the fraud alert which I thought was supposed to freeze my credit. I advised Capital One of this. I even reported the card number ending in XXXX itself as stolen.
These fraudulent charges continued on my next stmt ending on XX/XX/XXXX ( third charges ) : 1 ) {$39.00} for XXXX XXXX for " professional services '' and 2 ) {$29.00} for XXXX XXXX " other services '' Apparently Capital One failed to close the acct number ending in XXXX despite my reporting that it was stolen and being used fraudulently.
Conditional credits were issued. Then w/o any investigation or notice, Capital One reversed them one by one. I continued to dispute them again. Capital One ignored me and XXXX my ability to dispute them online as other credit card companies do for convenience and efficiency. I spent over two hours disputing these charges.
Finally Capital One sent a letter in XX/XX/2018 about ONE charge, the {$29.00} XX/XX/XXXX charge for XXXX XXXX. It simply contained standard contract language by the merchant that failed to demonstrate that I or my authorized user had entered into a contract for services. I have no idea what this merchant is or the XXXX. I responded by USPS mail to once again dispute this and the other charges. Capital One alleged that it did not receive my response. Every fraudulent charge I disputed was either reversed.
On three separate occasions from XX/XX/XXXX to XX/XX/2018, I contacted Capital One, speaking to a different person each time in the dispute dept. They refused to dispute the charges. Finally, I emailed the dispute response I sent in XX/XX/XXXX to Capital One through an email it sent me on XX/XX/XXXX, specifically to provide dispute documents. Capital One issued a conditional credit for just ONE of the SIX fraudulent charges.
OnXX/XX/XXXX, Capital One, again without notice or investigation, reversed the conditional credit without explanation. I have tried in vain for over 6mos trying to dispute fraudulent charges made on an account number that I reported as stolen which Capital One left open for addt'l fraudulent charges. Capital One refuses to process or investigate credit card disputes as it is legally required to do.
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09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
Following information and recommendations provided to me as a member of XXXX XXXX, which uses information from my credit file to make recommendations of possible approval by some of its 3rd party partners of which Capital One is one of, I applied for a pre-qualification rate check through the Capitol One website in which I was directed to through my XXXX XXXX file site, when I applied for the pre-qualification rate check, via Capital One Website, it was supposed to be a soft pull inquiry, instead, Capital One preformed 3 Hard pull inquiries, one hard pull inquiry from each of the three major credit reporting agencies, XXXX XXXX, and XXXX. I did not authorize these hard pull inquiries as I was just applying to see if I could be pre-qualified expecting a soft pull. Immediately after I attempted to apply for a soft pull pre-qualification, my XXXX Fico Score dropped XXXX points, ironically XXXX refered me to Capital One based on information in my Credit File while Implicating an improved Fico Score if I Added additional revolving debt to my XXXX credit profile in which XXXX refered me to Capital One for possible approval. Also, Capital One pulled additional credit reports from XXXX and XXXX which also caused both of those Fico Scores to drop. After contacting XXXX via phone conversation on XX/XX/2021, an XXXX representative informed me that By law, they were prohibited from allowing me to dispute inquiries with them and referred me to dispute directly with Capital One Credit, I then called Capital One Credit and I was informed to write Capital One and explain my complaint in order to open a dispute. It took literally seconds for Capital One to drop my Fico Scores from Hard Pulls, that I was mislead into believing that I was applying for a soft pull pre-qualification for and now both XXXX and Capital One Credit are in denial of unfair Credit Reporting practices by omitting and or downplaying in my opinion their roles in unfair Credit Reporting practices. I am putting Capital One on notice that this complaint is to serve as my letter of explanation about the recent unauthorized hard inquiry pulls by deceit of my XXXX XXXX, and XXXX Credit Files and I'm asking for Capital One to submit a request to all three Major Credit Reporting Bureau 's to Remove those inquiries from my Files. Please find attached a letter from Capital One Credit with the denial reasons given to me which shows they pulled my XXXX credit file but I was recommended to apply with Capital One Credit from My XXXX membership site directly. In fact, this is not the first time that Capital One has done something like this to me. It has happened before, this time I am just done allowing Financial Giants to ruin all the effort I have been making to Prove my credit worthiness and my chances of accessing fair financial market products and services. This has to stop, the very same reasons I'm being denied fair access to fair financial market products, are the very same products and services I am being encouraged to apply for by companies like XXXX and Capital One, I get several emails every week from both and when I try to act on their invitations, they respond with negative response and adverse actions to acts they invited me to perform with their businesses. That is complete Reverse Productivity and or Openly misleading Business Practice.
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05/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX through XXXX : Stayed at the XXXX XXXX for XXXX nights ( XXXX night was a personal night, other XXXX nights were for a conference at a different rate so had to book the XXXX nights separately ) XXXX : Received my itemized bill from XXXX XXXX ( attached ). Included in the bill was a {$150.00} charge dated XXXX, XXXX days after I checked out. I called the hotel right away to get more information. Was told this was a charge for XXXX of the on-property restaurants. I did not eat at this restaurant or order anything from it during my stay. The hotel agreed the charge was not authorized by me, promised to refund the {$150.00}, and gave me a ticket number ( XXXX ).
XXXX : Called Capital One since I had not received the refund and inquired about the dispute process. Capital One told me to wait until at least the XXXX to see if it posts and if not to call back and file the dispute.
XXXX : Called Capital One back and filed the dispute as no refund had been posted. XXXX credit was promised ( which I did receive ).
XXXX : Received an update from Capital One ( attached ) stating that they'd received documentation from the merchant about the transaction, would be reversing the credit, and closing my dispute. I called Capital One to get more information. Capital One provided the documentation from the merchant ( which included an itemized bill from the restaurant purchase ). From the restaurant receipt I was able to confirm the transaction was from the evening of XX/XX/XXXX, 2 days after I'd checked out of the hotel. Capital One provided a link for me to upload additional dispute documentation. I submitted a response letter ( attached ), my original receipt from XXXX Palms ( attached ), the receipt from XXXX showing the transaction was XXXX days after I'd left the hotel ( attached ), my XXXX XXXX from XXXX showing I was back in Tennessee the night of the transaction ( attached ), and a credit card statement showing where I actually ate on the XXXX ( attached ; I used my XXXX card at this restaurant, not my Capital One card, but providing as much evidence as possible in good faith ). I've also attached the receipt for uploading these documents. Later this evening I received an additional letter from Capital One ( attached ) saying they are unable to assist me with my claim and consider my case closed. At this point, frustrated with the lack of help from Capital One, I began filling out this complaint and called Capital One to try XXXX last time to get them to help me with this dispute. I spoke with XXXX who attempted to be very helpful, and was very civil and polite throughout the conversation, but ultimately was unable to resolve my dispute further. Capital One continued to request additional information from me, but there is nothing further for me to provide. I was asked to provide a " refund XXXX '' which is not something I've heard of before, let alone received from the merchant, and ( in the context of all the already-provided documentation ) is not something I believe Capital One should be demanding from me. Capital One refused to budge further ; I notified them my next step would be to file this complaint instead and go from there.
I have also attached " A_Message_from_Capital_One.pdf '' which is the XXXX pages of documentation they received from XXXX XXXX and provided to me upon request today.
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05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Today XX/XX/XXXX, I made a payment on my CAPITAL ONE credit card for {$200.00}. Unfortunately, I made the payment a few hours after XXXX. But, of course, CAPITAL ONE had already put a fee of {$38.00}.
I told myself I would call and request if it were possible to waive the fees ; I had only a few hours late.
What a surprise when the customer service representative told me there was no reason for waiving the fees. I explained that CAPITAL ONE had already increased, not my limit, but my interest at 27.74 % interests, that's already a lot. I explained that I had personal issues because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After that event, for more than three months, I stayed inside my home and did not go outside, creating a budget problem. And created some difficulties financially, but now it is behind me, and that's why I made a {$200.00} payment, and if they can waive the {$38.00} late fee, that will help me. She refused, and she offered to subscribe to AUTOPAY instead.
Unfortunately, it was not the best moment to offer me such an opportunity. Therefore, I requested to speak with her supervisor.
I waited 10 minutes on hold when the Rep explained everything to the supervisor before transferring my call.
I spoke with XXXX # XXXX, and right after saying hello, she cut me and told me that it would be impossible to waive the fees because I was really late. I explained the situation, but for 30 minutes, she did not do anything ; at one point, I told her that she cut me all the time when I was talking, she was insulted, and, of course, when I finished talking for the rest of the call, she let a long silence before she starts talking with " Can I talk now ''. She's a supervisor. At another moment, She told me that she would end that call, even if I said that I was not done ; she answered, " Oh no problem, we can take the entire afternoon if I want because I got paid every hour that I am working. '' she is a supervisor. After telling her what I went through, she told me that she gets paid for every hours of work she's doing. It was irrelevant ; she did this because she was still insulted. After all, I asked her not to cut me.
I was so frustrated with arguing for {$38.00} that I said well, keep it my {$38.00} for a few hours late, and I will have another {$45.00} in interest in a few days.
I also told her that on XX/XX/XXXX and XX/XX/XXXX, CAPITAL ONE reported at all credit bureaus twice 30-day late, my first two late notes since the opening of my account in XX/XX/XXXX.
The XXXX report shows that the past due amount that created the 30-day late was for XX/XX/XXXX, {$59.00}, and on XX/XX/XXXX, {$10.00}.
I wanted to explain how come it is possible that for a {$10.00} payment, I got a note 30-day late that hurt quite a lot my credit score.
She did not comment and told me that if there were nothing else she could help with, we would end our call.
I can not believe this service ; maybe it is because I have an accent ; who knows?
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12/10/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Older American |
In XX/XX/2020 and today, on XX/XX/2020, Walmart credit card denied me on phone to update my mailing address and phone number after I requested it two times, furthermore, to get paper monthly statements, to see new charges, necessary monthly payments and payment due dates because since XXXXXX/XX/XXXX ( now is XXXX, XX/XX/XXXX) I have not received statements and for months, I am unable to use my Walmart credit card.
With unknown reason of denied disclosure of my card file at Walmart credit card, this card placed myXX/XX/XXXXWalmart card under fraud investigation without known reason for me, when my identity was stolen via Walmart credit card in XX/XX/2020, what they do not care.
As Walmart Customer Service rep. told me in XXXX, a woman is impersonating me in Texas, who stated that she is me, this is the reason why I can not update my mailing address on file. Walmart credit card believed to the perpetrator, than to me the loyal customer. Why??
This is ridiculous, and Walmart credit card is protecting the person who stolen my identity, not me, the well known customer for them for long years.
Walmart credit card asked me to email them both front and back sides of my current drivers license, to see, if I am the card holder, protecting the perpetrator, the crime committed against me, at the same time, maybe, because the perpetrator does not have accent, what I have, as an XXXX.
I emailed Walmart credit card a copy of my drivers license - per their request on XX/XX/2020, but two months was not enough that Walmart credit card respond me anything, even that they have received my drivers license.
Instead, Walmart credit card posted my drivers license I emailed to this card on XX/XX/XXXX website, with untrue lies against me, to ruin my life premeditatedly, behind my back forever.
I hope that they will not succeed, because they lied.
I can not get any credit report from XX/XX/XXXXXXXX or any credit bureaus because someone disables these websites and credit bureaus phone numbers in my phone, so I have been unable to contact them to get my credit report and I be able to place security freeze and fraud alert on my credit card accounts.
I still do not know who is the Texan woman for sure, who said Walmart credit card, she is me. I am devastated and terrified, how can this happen to me, with a law binding citizen?
I filed identity theft report on FTC website on XX/XX/2020, and I contacted the local police yesterday, but they denied me to write a police report about my identity theft, until I will be able get some present information from Walmart that I got today, but it is the same than it has been in XXXX, 2020.
Walmart credit card is still denying to tell me anything why they deny me to know what is happening and why with my Walmart credit card, ignoring laws about consumer rights.
This is the reason for my complaint.
Please help me to know the truth about my Walmart credit card account with full disclosure of everything in it, all causes why this is happening to me and who stole my identity?
What Walmart credit card knows about the woman who said she is me? Why does Walmart credit card withhold information from me regarding my identity theft?
Please help me to get answers to these questions, because, as a costumer, I was unable to get explanation from Walmart credit card.
Thank you.
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09/14/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is in regards to my Kohl 's store credit card ending in XXXX for XXXX XXXX XXXX XXXX ) and last XXXX digist of XXXX XXXX. As of XXXX, I had an {$86.00} credit balance shown on my account from a duplicate payment made in XXXX. I made a purchase XX/XX/XXXX of {$21.00} to go against my credit balance of {$86.00}. I spoke with the customer service rep at the store and was told that i had a credit balance. So i made my purchase and thought i still had around {$65.00} left in credit balance. I do not get statements mailed, even though we've requested them a XXXX times to be sent. I do not get paperless statements either and so i thought i had nothing due. XX/XX/XXXX, i was charged a late fee for my said purchase of {$21.00} and then XX/XX/XXXX i was charged another late fee and then negatively credit reported on that i hadnt paid the bill within 30 days. I had no idea i had a bill due, as i thought the purchase was put towards the credit, therefore making nothing due to pay. However after calling Kohl 's customer service line today, XX/XX/XXXX, the lady that helped me ( ID # XXXX ) told me that Kohl 's mailed me a refund check! Which i dont believe i ever received and asked if it had been cashed which she did not know. Additionally, she was unable to find my account for a good XXXX minutes, even though i had verified everything she requested. The lady then refunded me the late fees, however i had already paid the full balance of {$75.00} right before i called in. So she said that within XXXX hours my account would be updated and then i'd have another credit of the late fees that were refunded. I wanted to close my account since Kohl 's credit card makes it nothing but hard to pay your bill, as they dont send statements, you cant view statements online even though it says the last 3 months are available for viewing, it just shows no data available when you click it, and they dont offer auto pay like every other possible credit card company in XXXX. So since i'm closing my account she said she would mail a check for the refund of the late fees. So now she's supposedly sending me XXXX refund checks in the mail. Afte that i asked her who i can speak to about making a complaint about my situation. She then gives me the number XXXX to call. So i hang up and call the number, and its the exact number i was just talking to her on!!!!! So i have to redo all the verification, finally get to another customer service rep, and he cant find my account AGAIN!! So i ask for a supervisor and he cant send me to one without verifying my account, which he cant do.
All in all, i want to ensure i get my 2 refund checks, my account closed so i dont have to work with this deceptive, incompetent company ever again, and make sure the CFPB is aware that they don't send statements, their online website to view statements is lacking and they screwed me over with my negative credit reporting as they told me i had a credit to put my purchase against and then " billed '' me for it with late fees. I've never missed a payment on my credit history! My only one is with XXXX! Because they're deceptive, unfair and abusive and make it difficult for customers to pay! Definitely a XXXX in my situation, as i could not have avoided the harm to my credit reporting as they told me and reflected it on my statement that i had a CREDIT BALANCE!
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02/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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XXXX misrepresented a key feature of the car. That feature is now available via a software update ; which they have issued in XXXX, however they told me they have no plans to offer it in the USA. The feature is called battery preconditioning. This feature heats or cools the battery to the perfect temperature, and is necessary to get the fastest charging speed when charging the car. XXXX has a feature in the car called Winter Mode that says it will heat the battery for charging. The problem is that it does not heat it enough to improve charging speeds. It does not work as advertised. There is also very little information from XXXX in the owner 's manual or online as to what Winter Mode actually does. I, along with other owners, understood that Winter Mode was battery preconditioning. It is not. What I do know is that it does not heat it enough. XXXX knows this, made a software fix, and chose to only release it in one area of the world. XXXX advertises being able to charge the vehicle from 10 % to 80 % in 18 minutes. Without preconditioning, this takes over an hour on a cold day and is nowhere close to meeting their advertised claim. I want them to operate a business in good faith, and I want them to back their product. I simply want XXXX to do two things. I want them to release the battery preconditioning software update in the USA. I also want them to push future software updates as they become available ; otherwise they disenfranchise owners of these, and similar vehicles, that depend on updates to maintain proper operation of the vehicle.
In addition, I had made a deal with XXXX XXXX XXXX XXXX for a specific purchase price in from of the finance person who completed my paperwork, but even though I instructed her that I didn't want any add on packages she added them all on to my loan and when having me sign she told me that they had been removed. When I got home and looked at my paperwork I was XXXX and I went back the next day and complained to XXXX XXXX the General Manager of XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I went through with the finance manager and corrected the paperwork after having to make a big deal and demanding that it be corrected and reissued with the correct price and loan amount. This was a horrible experience. I also had negotiated getting all the plastic mats added in the purchase price and the. XXXX XXXX and others told me that they would only give me the mats if I left a possible review on their XXXX reviews, which I did to get the mats, but the review was not an accurate reflection of my experience given the finance individual telling me she had removed all the add on packages increasing the purchase price by over {$5000.00}. I felt like I was being blackmailed into writing a review to get mats that were negotiated as part of the purchase deal. He claimed after the fact that they were never part of the deal. They also against XXXX XXXX 's direction via a public memo increased my purchase price before all this by {$10000.00}. I was shocked and appalled and told them that XXXX had said they could not add to the MSRP price and were supposed to sell the XXXX at msrp not add additional profit for themselves to the card. They wouldn't budge on this so I paid over MSRP for the car. I feel like I was misled in at least 3 ways with the price, negotiation, add-on for the loan.
|
08/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Older American |
On XX/XX/XXXX, I was approved for a Capital One Quicksilver Visa credit card with a {$30000.00} credit limit, including a cash advance credit line of {$15000.00}. My account has been paid in full and on time since inception. My credit history spans over 40 years and has remained excellent during the entire time, including the payoff of several mortgages, many vehicles, various credit cards, and 2 student loans. On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX, which is 2 days after my XXXX birthday, stating that they have reduced my credit line to {$10000.00}, to better fit my usage. I have no idea if there is even a cash advance credit line attached to this account. The XXXX XXXX credit scoring system bases their higher scores by keeping credit usage under one third of available credit. Being a retired, recently widowed female, I called Capital One on XX/XX/XXXX to update them on my ability to pay any balances I would charge and ask that they reinstate my {$30000.00} credit line with {$15000.00} cash advance. I offered to give them the details of my defined benefit pension plan, which is currently funded at 152 %, my Social Security, as well as my IRA information, and the various other bank accounts and assets, including my federal tax return, all of which are considerably more than younger people assigned the same credit limit who could lose their job and income at any time, while my income is guaranteed for my lifetime. I was told the decision was made and could not be reversed and that they would not accept a new application from me for a period of 6 months, emphasizing that they still did not have to give me the previous {$30000.00} credit line even if my income and assets supported it. In addition, this new account for the same credit card would cost {$39.00} per year while my current credit card has no yearly fee.
This is age ( XXXX, retired ), sex ( XXXX ), and marital status ( widowed in XXXX ) discrimination. While I can certainly understand if they want to verify my income, cash financial assets, and ability to qualify for my previous credit line before I was an elderly female widow, the fact that they were totally uninterested and abjectly refused to even consider my financial position, nor reassess a new application for a period of 6 months, is wanton and willful discrimination on the basis of age, sex, and marital status. I explained that even though I may only use the credit line intermittently, it was necessary for me to have access to acceptable immediate payment methods for those times when a check is not acceptable and substantial funds are immediately necessary. Obviously, this discriminatory behavior denies me the ability to travel or engage in general enjoyment of life, and would even deny me the ability to travel overseas where the United States limit for carrying cash is {$10000.00}. Not that anyone, and especially a XXXX year old female would want to carry {$10000.00} in cash.
Last, but certainly not least important, is that fact the reducing my credit line effects my credit score and the ability to obtain favorable interest rates on mortgages and auto loans even with a 40+ year stellar credit history. This is truly unacceptable as well as illegal. Credit usage is merely pretext as I have charged more recently and paid the balance than previously.
|
02/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
I stopped recieving my statement in XX/XX/XXXX from XXXX XXXX capitol one.
I use this card as a secondary credit card and had no knowledge of a outstanding balance, delinquencies and late fees being compiled for 4 months.I immedietlly paid the balance off on XX/XX/XXXX when i became aware of the outstanding balance.
again i had not received a statement since XX/XX/XXXX and bacame aware of the balance when i called the XXXX number to check the card.
On XX/XX/XXXX i called up the credit card copmany to explian to them that i had not received my credit card statenment since XX/XX/XXXX and that i would have paid the balance had i been aware of the outstanding balance, but had not been receieving my statements.i informed them that I DID NOT have any money issues, but that i was unaware of the outstanding balance and delinquencies because i had not been receiving my statements At this point they put me to a account supervisor. The supervisor told me that nothing had come back to them via returned mail.
My concern that i expressed with the supervisor was that after the second or third delinquency that it should have red flagged a problem that i was not receiving my statenments and that they should have used another means to contact me. The customer represenetive supervisor told me that on my profile it shows that they tried to contact me via email. I did a history search of my email account and there was no evidence of XXXX XXXX/capitol one trying to contact me.
XXXX XXXX told me that they were going to review the case and get back to me with a decision. they got back to me and said that based on the details of the situation that they would not remove the delinquencies off of my profile.
My concern was that when capitol one took the account over from XXXX around last year i have concerns that they made a error on their end. They told me that they did not accidently switch me over to paperless billing and that they did not get back any of the statements as return mail Again their should not have been a reason why i was not getting my statements which i was not..Again I told them that i had not recieved a satement since XX/XX/XXXX and was not aware of the outstanding balance or delinquencies. The supervisor also lied about trying to contact me via email when they stopped receiveng payments. I checked my email account history and had no record of XXXX XXXX capitol one trying to cantact me.
I have grave issues now that XXXX XXXX was more interested in hitting me up with delinquencies and late fees than trying to contact me about the outstanding balance and delinquencies. I brought this to their attention and they would not help out out in any way shape or form.
I have since closed the accouunt and will not do buiesness thit XXXX XXXX again. i was their customer for more than 15 yrs and have never missed a payment. I have never missed a payment on any credit card, mortgage or any other obligations that i have ever had in the past. I take pride in being a responsable adult and always paying my bills on a timely fashion This siutuation now with XXXX XXXX will most likley effect my credit rating and due to no fault or neglegence of my own..
Oh and then to really top off the cake I had {$18.00} cents in reward credits which they told me that i could not redeem because they had restricted my account.
|
11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
On XXXX I bought a car at the XXXX XXXX PA. The make and model of my YEAR vehicle is XXXX XXXX XXXX XXXX and XXXX is XXXX XXXX XXXX XXXX. I applied loan with XXXX XXXX XXXX XXXX was approved from next month ( XXXX ) I started making payments with XXXX XXXX XXXX. in XX/XX/XXXX i found out that XXXX XXXX XXXX gave me a good apr rate for the car loan, so refinance my vehicle on XX/XX/XXXX. After XXXX XXXX XXXX has made full payment to XXXX, they should have immediately release the title to XXXX as a new lien holder. after waiting long time i heard from XXXX that the vehicle title is on under capital one auto finance name. this was my first car buying experience. I did not notice that the capital one is the lien-holder, it should be the XXXX auto financing as my first lien-holder.
on XX/XX/XXXX my car was totaled and my insurance company XXXX want to pay the XXXX for issuing the lien to XXXX. then I speak with XXXX and I discovered that the XXXX is still under capital one name on the title. I contacted XXXX as the financing of a car how XXXX emerged in my title. i didn't get a good response from XXXX, they told me to contact the capital one. then I called Capital One Auto Finance, they told me I don't have an account with them. I give them my car 's VIN number and they find out that they now have a lien on my car. I told them that the lien holder should be XXXX XXXX XXXX, but they don't even know how it happened and contact XXXX. Now I'm trying to get an answer from XXXX and XXXX but neither of them give me a good answer In that case, I can reach you. Please investigate who made the mistake because as a customer I didn't know what they did but I'm in a lot of financial problems because of this situation. now I don't have a car and still have to pay my XXXX XXXX monthly because they didn't got the title from XXXX because Capital One is already in the title. capital can't hold title or they can't use my name They know I was the customer and bought the car from XXXX, so why are they holding my title. One of the agents told me that if I didn't refinance my car they could keep the title for 60 months as on loan period. if XXXX put their name on the title so XXXX should have find out and try to fix this problem as soon as possible now capital one auto finance release the lien but there is no title of the car so it doesnt make sence to release the lien when title lost.
Now, XXXX wants to be the first line holder to XXXX XXXX XXXX For this capital, Auto Finance must transfer the title to XXXX XXXX XXXX. Then XXXX will transfer the title to XXXX XXXX XXXX. XXXX will then transfer the lien to XXXX XXXX. this process takes at months now that I don't have a car. and also I have to pay off the car loan by XXXX until they get the title of the car and then they move to XXXX and XXXX will release the payment. it is difficult to live without a car in this country it can stop my source of income and it can affect my family a lot. please take legal action to get the capital because it happened to me i don't want it to happen to anyone because i know what i am going through.
I am looking forward to hearing from you as soon as possible to resolve this issue. If I don't hear from you within a week, I will file complaints with relevant consumer agencies and consider my legal alternatives Sincerely, XXXX XXXX
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09/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
Capital One Bank allowed our accounts to be hacked, for nearly everything we had. My mother and I had a joint account that was hacked and two of her individuals accounts were hacked. We found out about this hacking on XX/XX/XXXX of XXXX. Capital One has not been helpful. There are numerous suspicious things occurring within the accounts that the bank is now, in my opinion, trying to cover.
In total the amount is about XXXX, but the bank will not allow me to make the claims from XXXX.
I asked for months on end, what is Paper Check Clearing? What is Other? These are descriptions in the transaction histories, the one I can view. No one in months answered either of these questions. By the way, there are no vendor names on said checks that were sent out of these accounts.
Granted we have gotten some of the money back, but in my opinion this is an inside job for the following reason : I filed with the OCC regarding the Paper Check Clearing and Other, being unable to view the checks, and no vendor names. The bank also allowed amounts of over XXXX dollars go with SIGNATURE NOT REQUIRED. Twenty years of banking with Capital One and we never engaged in such a process, nor did we ever give permission for any one, any vendor to act as authorized signatory.
There are too many dates to list here. I was spending hours and hours a week looking for answers to these questions.
We were given the paperwork to close the accounts out, apparently this paperwork was lost, throw out, what have you ; it was never processed.
In my opinion, Capital One did everything it could do too make the process more tedious and trying.
After Filing a complaint with the OCC regarding Paper Check Clearing and Other and no vendor names, some one at the bank changed those descriptions of Paper Check Clearing to check payment or other. Now, I can not change that in the banks system, only someone at the bank could do that. It was changed 24-48 hours after filing the complaint.
Also, the bank would not let me boiler plate the claim forms, which are very poorly constructed. I had to hand write over XXXX. Adding insult to injury the final question is basically why are making a claim to get your money back? condescending.
I get a call from XXXX from the president 's office. She was great ; however, she just kept repeating " I don't see that verbiage '' regarding Paper Check Clearing. I kept trying to tell her someone in house changed all that after filing with the OCC.
Regardless, the bank failed us every step of the way. We should have been given the right information from the start and all the information : not bits and pieces, or the wrong information.
If you want to see what is going on with the Paper Check Clearing that the bank is trying to hide, I put them on XXXX XXXX : Capital One is NO FUN.And that is just a few of them.
As I said there are so many dates upon which were hacked. I still have to do my mom ; s personal checking account. Mind you, the paper Check Clearing was also changed in that account. I am behind in this process due to having had a XXXX XXXX.
It seems to me that there is NO COMMUNICATION AT THIS BANK. How are we to pay off thier credit card, when some one has been stealing all the money. That card is mostly intrest at this juncture. ( sorry about the poor typing, I can not find my glasses and I am in pain
|
05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
My name is XXXX XXXX XXXX. I have a Capital One card.
I sent payment to Capital One for the month of XXXX, that included a notarized letter of my ID.
I have been requesting Capital One to update my phone number and email in your records, since XX/XX/XXXX. You refuse. You have and have had my information in your notes but you refuse to update my number in your records.
Capital One has repeatedly denied receipt and or clarity of the photos I have emailed, faxed, and mailed to Capital One.
I was forced to get a notarized letter that my ID was clear and send it to Capital One, in an attempt to give Capital One opportunity to self correct. That letter was sent to XXXX XXXX, XXXX XXXX, IL, along with a payment of {$450.00}. The check was cashed, but Capital One, Once again, refused to acknowledge the notarized letter of my picture ID With Verification of a clear picture of my drivers license, NOTARIZED, why do you continue to : 1. Deny receipt of my ID 2. Send emails to an email address I have repeatedly asked you to stop sending emails to?
3. Call me XXXX my name is XXXX XXXX The letter/payment was sent to Capital One, XXXX XXXX. XXXX XXXX, XXXX XXXX, IL XXXX, XX/XX/XXXX.
Not only has Capital One been punitive in your actions, of not updating your records you have sent a false claim to XXXX of another fraud alert, issued by Capital One, this time Capital One issued the fraud alert.
Please, research the records of what Capital One did in XX/XX/XXXX, and has now really done, by making a false fraud alert claim.
There has been No resolution for almost a year to get Capital One to do and be right, good and true.
Your actions now have gravely impacted my home ownership process. I hold Capital and your cohorts responsible!
This email documents the conversations I have had today with Capital One representatives, none of which have resolved my concerns : a. XXXX was rude and not helpful b. XXXX was professional and cordial, appeared helpful as much as she could c. XXXX was cordial but not helpful This matter is beyond reasoning with Capital One to do what is right, good and true.
Capital One you are hereby requested to cease and desist all false claims about my Capital One Account.
You are also requested to clean up the false secret narrative of a fraud alert that Capital One put in my account and reported to XXXX. XXXX has not taken an abrupt act by not posting anything on their website of their account and alleged data of my credit worthiness, according to them via a fraudulent Capital One claim.
XXXX has shut down reports of their data reporting of their records on me, due to your false claim.
Capital One, correct your self!
I do believe this matter does involve XXXX discrimination and bias.
I do believe that their is a strong punitive element to Capital One refusal to acknowledge what you did that was wrong, not good and not true, and refusal to self correct.
I do believe at this point that I must take every necessary step to protect myself from fraudulent claims, narratives, acts, and impacts of actions taken against me by Capital One Federal Board of Governors Reserve, At this point, all of these issues will have to be resolved in a different way from how I have tried to resolve them for almost a year.
Your attention and response are requested.
XXXX, XXXX XXXX XXXX Reigns!
|
04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I contacted the Credit Reporting Agency XXXX about an account with Capital One which I don't recognize and that was reporting on my credit report. The account numbers information was being reported with incomplete information and partial account numbers which are a violation of the Fair Credit Reporting act ( FCRA ). I contacted XXXX about this error on my credit report and sent a letter to them on XX/XX/XXXX explaining this to them and requesting that they delete this erroneous account. To my surprise, I received a response from Capital One where they claim they were able to verify and update the information with Capital One as accurate, however their reply credit report they sent had missing fields like date of last payment was missing which is a violation of Metro 2 Compliance and the FCRA and inaccurate, unverifiable, missing, and unfair information such as a partial account number with asterisks instead of the full account number. I then sent a letter on XX/XX/XXXX asking XXXX for their method of verification for this account and the errors which was a violation of the law and for them to delete this account. I then received a response after sending a previous letter to them claiming they could not find my information and requesting documentation to verify my identity after they found it previously with my previous letter. On XX/XX/XXXX I sent them the required documents requested to verify my identity with the letters sent previously and did not receive a response, so I sent another letter on XX/XX/XXXX that they were in violation of Federal and State Consumer Laws for not responding within 30 days. Finally, On XX/XX/XXXX they responded again claiming they could not find my file and wanted me to send documents again to verify my identity. On XX/XX/XXXX I sent them the documents requested again and the original letters sent prior and they replied back on with a copy of a credit report with missing, incomplete and unverifiable account number for the Capital One account and other accounts as well as missing fields again but did not address my complaint about the erroneous account. Finally on XX/XX/XXXX I received a letter from XXXX asking me to contact the original creditor if I had an issue with the account. In addition, I also contacted Capital One by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the XXXX that I disputed this account with no response each time from Capital One regarding this account. Neither XXXX or Capital One did not do their investigation in this matter and replied more than 30 days late or not at all and are reporting the information inaccurately about this Capital One account which is severely affecting my creditworthiness and ability to obtain a car and other credit opportunities which would afford me to live a better quality life. I also noticed they have over 100,000 complaints in the last 3 months with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days and not reporting complete account number or doing their investigation as required by law.
|
10/16/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
I was never notified by XXXX XXXX that my XXXX Credit Card was transferred to XXXX. No email or XXXX mail. I used the card in XXXX to make XXXX and birthday purchases. When I went to login at XXXX it was then I realized I had to register with Capital One. When I went to get my card as I put them up with other business information I could not locate the card or my other cards. Keep in mind it can be verified that through the end of XXXX 2017 to XXXX 2017 due to someone not reporting a bed bug issue in the building which I live I had to pack up like I was moving four times so that my unit as well as others could be treated. It was a rough time and my husband and I threw some things out but sadly we had some things stolen. So I checked my XXXX account to be sure there was not any purchase made by me and there was none. So I contacted Capital One explained to them that I did not have the physical card and need it replaced. I gave them my DOB, my Social Security number, name, address and phone number and the last four digits of my card as it appears on my account when XXXX assigned me the credit card. They said they have no record of my account. I called at least ten times. They would not connect me to their fraud department as I was concerned there was perhaps an account discrepancy. They told me to just relax and wait for a bill. XXXX said not to worry about it my account was fine and if Capital One lost my account not to worry Capital One still had to pay them. I wanted to know whom I pay then. I called a local XXXX to see if I could return all I purchased and was told since Capital One had no record of me they would not be able to take it back, but I told them my online account proves who I am, my purchases and shows my XXXX account. They told me deal with Capital One. I even called my local police to report possible fraud by Capital One but was told to just wait and see what happens. I have proof of all I state and kept logs of whom I spoke to and I have exhausted all my resources trying to get to the bottom of this. I also filed a report against Capital One at the Better Business Bureau. All I am seeking is to pay my bill but it looks like XXXX does not care about it and Capital One has never contacted me back after I faxed XXXX in XXXX XXXXs, Illinois the information requested of me. Nothing. I asked that they open an account since they lost mine from XXXX XXXX obviously so I could pay my bill and their response was they could not do that. Again I asked to speak to their fraud department and was told no, no fraud was committed that they had some problems back if XXXX of 2017 with XXXX accounts. That was no help to me and no help in me seeking to pay for what I purchased. They are not honest at Capital One. XXXX has not retained any XXXX accounts nor sent some to another bank. They assured me all accounts went to Capital One. Capital One has screwed up to put it mildly and it wo n't be at my expense. Please help me resolve this so I can pay my bill in a timely manner. Also as a sidebar, I noted they did not report my card to any of the three major credit bureaus. I realize that sometimes some companies choose not to and according to Capital One they said that was good. I am not so sure I believe the later or anything XXXX is telling me. Please help me find a resolution to this. It is insane.
|
04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
I applied for a Capital One Credit Card on XX/XX/2021, application number : XXXX, creditor : Capital One N.A. After applying, I received a letter stating, " unfortunately, after reviewing your application and information obtained from your consumer credit report ( s ) from agencies detailed on the back of this letter-we can not approve your request at this time. The reason ( s ) for our decision are : XXXX ) Based on your application information, application submitted is incorrect or can not be verified. '' My grievance with this is that all three credit reporting agencies have my up to date current address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, and phone number of XXXX. I have been continually updating my information, requesting disputes for information that is out dated, incorrect addresses, and to make sure of my correct name of XXXX XXXX XXXX. I am applying a XXXX XXXX XXXX 's Office case number of XXXX in regards to a creditor having 1 ) mistaken information of residence, and phone number even after my several corrections on all three credit reporting agencies, XXXX ) the misconception that I can not be verified by Capital One N.A due to " incorrect information '' that I have already corrected prior to XX/XX/2021, and XXXX ) that not being able to be verified may be due to false information from XXXX XXXX, and XXXX, as a refusal to update information to have a consumer such as myself be able to have the Capital One N.A credit card since this is due to no fault of my own. A verification process can be requested over the phone, but there is no phone number to contact the Capital One Customer Care Team which is unprofessional. Lastly, the case number provided has to do in part with an " impersonation '' case, so the verification process can be resolved by a phone verification, to fax documents to verify that I am XXXX XXXX XXXX, not XXXX XXXX XXXX, and that due to the Fair Credit Reporting Act, a non-discrimination term, or conditions may prohibit a denial based upon an " impersonation '' case when I am willing to resolve the issue at hand. Furthermore, the invalid reasons to just not approve me, not even to do a verification, Capital One defames my credit by stating the following secondary reasoning, XXXX ) time since most recent account opening is too short, XXXX ) too many accounts with balances, which I have not seen on my credit report, seems this is due to a data breach with XXXXx that did not make the correct changes upon consumers credit information for applying and being approved, XXXX ) too many inquiries last 12 months when the inquiries has by law no legal bearing on whether to be approved, or denied, it is invalid solely based on inquiries alone, and 4 ) proportion of loan balances to loan amounts is too high, as this may apply to student loans that are in " good standing '', " paid on time '', however, to prematurely report good standing student loans is a " defamation of character '' upon my credit, which goes against the Fair Credit Reporting Act, and does not allow legally an Equal Credit Opportunity upon myself, a consumer to provide a " good faith effort '' to pay my bill prior to a statement coming out. The extended fraud alert is a means to keep fraudulent activity from happening, not to put the consumer on the defense due to " lack of verification ''.
|
02/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
I opened a new venture XXXX credit card and added authorized users. The cards for the authorized users were sent via XXXX and left at my outside my doorstep. Unfortunately they were stolen and fraudulent charges were made. I called to repor the fradulent charges as soon as I saw them on the account. I asked for the customer service to send my replacement credit cards via USPS so it will be delivered to my mailbox which requires a key for access. They sent my replacement cards through XXXX and not USPS liked I requested. The mail was left at my front door, and they cars were stolen again. Due to these fradulent chargers that was out of mycontrol, capital one made the decision to close my account without my knowledge. I am a loyal customer with excellent credit and payment history. When I spoke to their customer service, I was informed that they can not help me open a new account. They instructed me to apply for another account online which will generate another hard credit check and negatively affect my credit score. They also informed me that I may not get approved for another card. They said they are not able to help me any further. All of the points I've accumulated will be forfeited. It is frustrating considering that I am in good standing with this company that they were unwilling to provide guidance or help mend a situation that I had no control over. I am being reprimanded for their mistake in sending the card via XXXX when I specifically requested they be sent through regular mail so it will be delivered in a secure, locked mailbox. When asked if there was anyone else I can speak with or send an email to in order to help resolve the situation, they replied no, they will not able to escalate my situation further and their decision is final. Again as a loyal customer in good standing with their company I expected them to be more helpful in assisting in finding a resolution to my case. Unfortunately, this was not my experience. Instead of taking the time to perform a through investigation, they made the decision to close my account, as a result I lose the rewards that came with the credit card. There is no assurances that I will be approved for another account or that my rewards can be transferred to that account. In order to get consideration for a new account I am required to go through the application process all over again which involves a hard check on my account, decreasing my current credit score that I worked hard to maintain at a high level. They are not considering how this negatively affects me as a customer. I was not given the option to delete my authorized users ( who's cards were the one stolen ) and maintain my account as the primary cardholder since my card has not been compromised. I am thankful to have systems in place to protect my identity, but in this particular case it appears that I am being punished for a situation that is out of my control. Fraud protection is in place to help customers and lenders equally. In this situation it appears to benefit the business ( Capital One ) by allowing them to forfeit the earned points and save time from doing a thorough investigation and coming up with a better resolution. It puts the blame and the negative consequences to the customer. I hope to find a better resolution to my case that will work for both me and Capital One.
|
07/16/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
First, One guy named XXXX XXXX sent me a email about a job, and signed a contract with the company. The position was XXXX XXXX
Then Second, he told I will start training with a guy named XXXX XXXX.
That was a second job I started ( training ). It was on date of XX/XX/2020 with a company name XXXX XXXX.
The guy ( XXXX XXXX ) contacted me on my XXXX and sent me this ( Ill copy and paste ) : " Hello XXXX. My name is XXXX XXXX. I am your trainer assigned to you by XXXX XXXX. We will be working together for one month. I will help you with your new tasks and will guide through the process. My location is XXXX, XXXX but I will be online most of the time your time zone. Please send me a message when you have time to discuss the details " And also this : " I will be helping you with your tasks for a month so you become an expert in payment methods and can consult and assist company 's clients successfully we will go through each task together we will go through payment methods, will receive and exchange XXXX and bank transfers in different ways, create reports on each payment method and compare them to find the best ones for clients and company.
I suggest we start with the most easy to understand and perform tasks A lot of company 's clients in the US choose XXXX, XXXX, XXXX to invest into bitcoins and company 's tokens. We are also very interested in researching XXXX applucation that can be downloaded to your smartphone.
So I suggest we begin with XXXX, XXXX and XXXX receive test XXXX transfers from the company and exchange those transfers in different ways : online exchange and physical exchange It can be : 1. Withdrawing cash and making exchanges through bitcoin atm network.
2. Making exchanges online through XXXX, XXXX, other online methods.
3. Making exchanges through XXXX, XXXX and similar web sites.
I will guide and help you with every method Please check the above information and let me know if you have XXXX and XXXX and XXXX? '' We started that training and he was sending me money, I was going to withdraw it to the bank and put it to the atm bitcoin machine.
After a week, I tried to login on my Online banking account and I saw a message that someone tried to login many times to my account and they gave a number to call.
When I called the number, the bank said that I had bad activities on my account.
I contacted back a " trainer '', I asked him for a letter/note from the company so I can show the bank and they will know that I work for the company.
After 2 days of asking, the guy blocked me. That when I knew that I was scammed. I contacted XXXX, my local Police and my bank about it.
The bank told me that the account is closed, so I call my first job to let them know to not do direct deposit but they said money has been transfer already and if the account is closed, money is going to come back.
My first job contacted me and said that money went through. I called the bank and they said that the account is not closed but restricted.
I told them that they told me before that my account was closed and they changed again.
I have bills to pay, and I have to send money to my wife and son but I cant because they hold my account.
And I have to say that I was getting 8 % and 10 % on transfers.
Please, I really need help about this.
My bank : Capital one The company : XXXX XXXX
|
12/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15USC169l ( c ) and is pursuant to civil liability under 15 USC 1692k.
I have proof that I was discriminated against by your financial institution due to the response I received. Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution.
The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system.
I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws.
Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy.
I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being. Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g.
Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10.
I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ).
Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ).
You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer.
You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ).
I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ).
The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts.
|
04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I have 2 major issues related to Capital One.
The first issue relates to a blatant bait and switch. In late XXXX I went looking for a credit card that I could use to consolidate debt by transferring balances over at a proportional rate. At that time I applied for a XXXX credit card with Capital One based, primarily, on the promise of a 0 % balance transfer as shown in its advertising.
I even called Capital One direct to confirm the terms of the balance transfer offer with an agent before applying. Based on that confirmation I applied for, and received, a XXXX credit card. When I went to attempt to transfer the subject debt to this new XXXX credit card shortly after receiving it, I was told by the agent that I did not receive the 0 % transfer offer and that Capital One has the election to give, or not give, that offer to applicants at its discretion. The balance transfer option was the entire reason for my applying for the card and I would never had applied for it without that offer. I already had one Capital One card, I certainly didnt need another one. In short, I was tricked into applying for a card I didnt need based on a 0 % transfer offer I never received.
The second issue relates to the same XXXX credit card. As noted, I already had one Capital One card which I had set up auto pay from my bank account. Sometime between XXXX and XXXX of XXXX I called Capital One customer service in order to set up auto pay on my XXXX credit card as well. On that call I was assured by the representative that the auto pay would be handled so I assumed it was. I was later informed however that the auto pay was never actually set up and that the required {$75.00} XX/XX/XXXX payment under the XXXX credit card was not paid. Once I was alerted to this fact, which was not until XXXX, the delinquent amount was of course paid in full. However, by the time I was alerted of the missed payment a late payment was noted on my credit report. As you can XXXX I was not happy and I began calling Capital One customer service trying to figure out what happened and how to get it resolved.
I religiously pay all my bills so the above alleged late payment is literally the ONLY late payment on my entire credit report. As a result of this alleged late payment my credit score dropped more than XXXX points XXXX to under 700 on bank run credit reports XXXX in XXXX of XXXX and has remained close to there ever since. This lower credit score has made it impossible to refinance any of my existing loans or to purchase the new home my family was looking to buy. As a result of this, since XXXX of XXXX I have been fervently trying everything to get this matter resolved, and this alleged late payment removed from my credit report ; including making multiple calls to Capital One to request evidence of my calls with Capital One and spending hundreds of dollars on a separate, third-party, credit report disputing company to intervene.
After more than a year dealing with this nothing has worked. In fact, as a result of my continued calling Capital One labeled me as disrespectful and closed all of my accounts in XXXX of XXXX without notice. Now I am stuck with an outstanding credit card bill for a card I was tricked into applying for, no actual credit, and a damaged credit score. All because Capital One failed to do what it promised.
|
09/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
|
Capital One is clearly trying to dismiss a serious, and valid, complaint issues against them. They continue to furnish derogatory data on my credit file ( as recent as XXXX XXXX of this year ) yet admit in their last response that they cant or wont provide validation and certainly not verification.
Capital Ones employee, XXXX, either was going on break or home for the day and wanted to dispose of this case regarding my complaint or couldnt answer it. In any case Capital One is dismissive of some strong and valid points that I have made.
I have passed my complaint on to other entities and expect Capital One to either verify their documentation as the term means in XXXX XXXX XXXX, Meaning to confirm by oath or affirmation, or cease furnishing this data.
I expect them as well to explain how they were able to obtain a judgment while by their own admission not needing affidavits or certifying documents, which as per NY civil procedure indicates they committed fraud on the court in order to obtain their alleged judgment. Their willingness or inability to defend that point magnifies their transgressions.
To the saying that their last response fulfilled my concerns, clearly it didnt. It didnt come even close to doing so. Capital One has shown a complete inability to show the verification involved in establishing their validity in furnishing the derogatory data. They have failed to show how their data is anything other than hearsay. They have failed to explain how they pushed through an Affidavit of Service regarding me based on verification by a Mr. XXXX, who I do not know and has no basis of knowing any information about me, particularly regarding any military service I may or may not have engaged in. They clearly pushed this documentation through in order to obtain a default judgment and now, by their own admission are unable to provide further information, violating my rights to due process asunder the US Constitution. Capital One claimed in one of their responses they gave to me that they follow all laws and regulations. They have no respect for the UDAAP, as in 12 USC 5531. Their practices in my case are unfair, deceptive and abusive and they are attempting to sweep their unconscionable acts under the rug. Capital One must be held to account and either prove their assertions or cease furnishing derogatory data on my files since they havent proven, as per the FCRA, that this information is truly verifiably accurate. They have failed to establish that they were notifying me that they were furnishing said data in the first place, again as per FCRA laws, which they have failed to address in their prior responses to me.
And furthermore, as a result of my lack of interest in doing business with a company that engages in such unconscionable acts as this company engages in, as Ive shown over the course of my disputes, I fail to see why they should even have access or possession of my personal identifying information. I have a legitimate basis in demanding they delete my information since they cant even safeguard their customers security as demonstrated over the summer, a point XXXX seemed unwilling to comment on in my last dispute but is a valid point. If the laws are to have any meaning and consumers to have any value to the CFPB, Capital One must be held to account for their transgressions.
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02/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have been a " victim of Fraud/Scam from XXXX XXXX XXXX and provided the reports submitted to my local police precinct ( XXXX XXXX Police Department XXXX XXXX the FBI, FTC, and any other agency the FTC advised me to inform that the fraud/scam occurred. I have submitted all of my documentation to the bank with the reports submitted to each one of the agencies the FTC process advised me to complete.
I was contacted by XXXX XXXX via XXXX XXXX and advised there was this person/program that she had access to, and the program was designed to help people having problems with bills to get their bills caught up and there would be a fraction of the balance of the bill that would be the cost of the program/service. I asked how the payments were made, I was advised the payments were made using a debit/credit card. I was advised how the program worked was they would make the payments on my behalf using the card and provide me the confirmation of the payments and once it was completed, I would then make the payment to them for the services/signing up for the program.
XXXX XXXX asked me for my accounts that I wanted to get paid up to date and I provided her the information. I have known XXXX XXXX since XXXX as I dated her cousin, and we had kids the same age and they spent time at my home and her home. I provided XXXX XXXX the information for the accounts listed below : XXXX. XXXX XXXX XXXX - A payment was made for {$3000.00} using a falsified checking account number, the payment was returned advising " unable to locate account. '' XXXX. XXXX XXXX XXXX - A payment was made for {$2000.00} for my XXXX XXXX XXXX owned by my son XXXX XXXX XXXX.
XXXX. XXXX - A payment was made in the amount of {$920.00} for my XXXX XXXX XXXX owned by my son XXXX XXXX XXXX, XXXX XXXX called in advised her name was XXXX XXXX XXXX, and provided a falsified checking account number, The payment was returned with the statement " unable to locate account. '' XXXX. XXXX- A payment was made in the amount of {$1000.00} for my XXXX XXXX XXXX XXXX XXXX Supercharged for myself. XXXX XXXX called in advised her name was XXXX XXXX XXXX, and provided a falsified checking account number, The payment was returned with the statement " unable to locate account. '' XXXX. XXXX XXXX - XXXX cashier 's check was to be cut and mailed out to my home and arrive on XX/XX/XXXX - this was in the amount of {$1300.00} to pay rent for my significant other for the months of XXXX and XX/XX/XXXX.
XXXX. XXXX XXXX ( XXXX ) - a payment was made in the amount of {$390.00} on XX/XX/XXXX at XXXX, last 4 digits of the checking account were XXXX and the payment was returned on XX/XX/XXXX, with an error message advising " unable to locate this account. '' XXXX. XXXX XXXX ( XXXX ) - XXXX XXXX has my information.
XXXX. XXXX XXXX ( XXXX ) - XXXX XXXX has my information.
XXXX. XXXX XXXX ( XXXX ) - XXXX XXXX has my information.
XXXX. XXXX ( XXXX ) - XXXX XXXX has my information.
XXXX XXXX XXXX ( XXXX ) - a payment was made in the amount of {$590.00} on XX/XX/XXXX and the payment was returned on XX/XX/XXXX, the representative refused to provide the last 4 digits for the debit card that was used, for security purposes. I advised that I included the statement in the report and the Police/FTC could request the information through their investigation process.
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09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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16 C.F.R. 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 16 C.F.R. 433.2 In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ) 16 C.F.R. 433.3 ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. I placed my indorsement on a consumer credit contract with Capitol One. The consumer credit contract is a negotiable instrument. A purchase money loan, which is a cash advance was never given to me the consumer. I was also given a card with a very little credit on it and it was supposed to be open ended pursuant to 16 C.F.R. 433.3 ( b ) ( 2 ). If banks can only lend their own money and are not allowed to lend credit that means what did you lend me? This is ultra vires and this is unfair, deceptive acts or practices. 16 C.F.R. 433.3 ( b ) ( 3 ) Capitol one was supposed to give me open end credit by use of my credit card which is my social security card. Pursuant to 15 U.S.C. 1602 ( i ) a Credit card means ANY card. Pursuant to 15 U.S.C. 1635 I have the right to resend certain transactions. I would like to resend these transactions on accounts ending in XXXX and XXXX case # XXXX. Pursuant 15 U.S.C. 1635 ( b ) I would like all money returned back to me. I can't owe an alleged debt for something that was already settled when I Indorsed the negotiable instrument. Pursuant 18 U.S.C. 8 all obligations are of the United States. 12 U.S.C. 411 states this as well. I could go down the list of violations you've committed which Identity theft is one you reported to The CRA 's that I also owe an Alleged debt it's harming my reputation and it's fraud.
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08/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
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Web |
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Sir/ Madam, I have written countless complaints against XXXX XXXX XXXX XXXX and again I am writing to report what I feel are criminal activities on their part. They are using the current regulations to steal money from their customers. ( I have been a customer of Capital One for over 10 years! They have my credit and good account history from multiple accounts, which were always kept in good standing. ) It was several months ago that they completely infuriated me because of their inept and irresponsible customer service personnel : 1. They gave out INCORRECT INFORMATION regarding the two accounts I had open 2. They kept me on hold for over 3 hours 3. They refused to get managers on the phone 4. They continually transferred you around and back to customer service line to be on hold for over 30 minutes at a time 5. They disconnected me when I asked for their managers 6. When I lost my temper due to their lack of competence and repeated useless transfers, they decided to act paranoid and as a further act of retaliation they placed my accounts in fraud status so they could freeze any activity 7. Their repeated acts of sheer ignorance and lack of accountability for a problem they created are uncanny After dealing with such corrupt individuals I closed both of my accounts and immediately asked for a payoff on the account that had a balance. They proceeded to give me, true to form, the wrong amount due. So now, they are refusing to give me back the overpayment of my money because of their lack of integrity and ability to hide behind so called fraud regulations.
1. They received and acknowledged multiple copies of my license 2. I spoke with their personnel who not only verified receipt of my license but the ability to read it 3. Capital Once continued to harass me for additional copies and then started asking for more personal and invasive information such as my social security card, clearly opening the door to identity theft.
4. Countless phone calls result in only hearing their useless attempts to push their rhetoric on me, cause pain and inflict harm, and take my money When I called to close my account I was told you can not have the rewards due on your card because it is in a state of fraud When I spoke to someone this past Friday in that very department, she told me it was not because of that, but in fact it was because I closed my account. So they continue to twist the facts, lie and steal, and hide behind their complete and total disregard for human rights and safety. They apparently love to incite sheer anger and frustration as they sit back and enjoy what they can do to another person.
Finally, if I am such a fraud then why did they have NO problem taking money FROM me in full payment of my account, which was over {$1000.00}!
I have submitted this exact complaint to the OCC, the Washington State Office of the Attorney General, the State of California Department of Justice and a copy to XXXX XXXX, Chairman and CEO of Capital One.
It is an American travesty when hundreds of complaints can be seen online regarding Capital One and nothing is done about it. We have a right to be protected form the doors that you have now opened for this kind of thievery! Many other people are also unsatisfied due to the same reason.
My story will be posted on social media and given to the press.
|
02/09/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
We applied for an XXXX loan in XX/XX/XXXXand the lender found a lien on a house we own in GA for a XXXX that is recorded in XXXX as paid in full in XX/XX/XXXX. We have never seen or heard of this lien ( never got any bill, notice, paperwork, phone call, or email ; nor has it ever shown up on our credit reports. The original XXXX was with XXXX ; Capital One became the servicer ; and XXXX XXXX XXXX was designated as subservicer ( We are filing a separate complaint against XXXX ). Neither mortgage company will take responsibility for getting the lien released. Since we first contacted CapOne and XXXX on XX/XX/XXXX, we have been given the full run-around. At first each was saying it was the other 's responsibility, then both were claiming they had each given permission for the lien to be released, then XXXX said they just wouldn't help.
XXXX, our contact at Capital One, only communicates via email, which has typically been useless, unhelpful, and devoid of any responsibility. XXXX, our contact at XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, can only be reached by email or voice mail, he will never answer the phone and will never communicate via email, and we just have to hope that he decides to call us back and that we are available at the exact moment he calls. The rest of the people in the various other XXXX departments can not be reached after initial contact is made, they can't/wo n't communicate with each other, and they won't communicate at all via email. Since our initial contact, we have made 30 phone calls totaling over 300 minutes and sent email after email. On XX/XX/XXXX, after three months of phone calls and emails that led nowhere, XXXX XXXX gave us a new number to call.
Since that date, we have spoken with XXXX in the XXXX department, who said they do not have our account ; XXXX in mortgage collections who also did not have our account but submitted to customer service on our behalf a request to release the lien ; XXXX in customer service, who processed a change of address for our contact info ; XXXX in customer service, who said they have no record of the lien release request submitted by XXXX ; XXXX in mortgage collections who tried to send us any and every other department ; XXXX XXXX, XXXX and XXXX 's supervisor, who when we refused to be transferred to another department that had already told us repeatedly that they couldn't help said she had no way to contact XXXX by phone or by email and had no way to find out anything about the request submitted by XXXX XXXX what exactly does this supervisor do, we wondered ) XXXX 's supervisor, for whom we left a voice mail begging for help resolving this mess and who never bothered to respond ; and finally, the last straw for us, somebody in customer service who simply hung up on my wife.
The end result has been anger, frustration, mental and financial harm for my wife, myself, and our business. At the end of this month, it will also harm our employees and our customers as we won't be able to make payroll or complete orders because our XXXX loan is not fully funded as a direct result of the lack of integrity and willful neglect displayed by these mortgage institutions. The attached files substantiate this complaint. We sincerely hope that you can resolve this for us so we may avoid further financial and personal duress. Thank you.
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08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX, Va XXXX XXXX : Account ending in XXXX Capital One Case : XXXX Dear Capital XXXX : I am responding to your contact about a debt and CFPB case : XXXX. You responded to me on XX/XX/XXXX.
Nothing trumps Federal Law, and I know who I am as a consumer. As a Consumer/Natural Person, Im aware of what a cease and desist status means pursuant to FEDERAL LAW 15 USC 1692g ( b ). Let me explain to you further, pursuant to 15 USC 1692g ( a ) you shall provide me a written notice containing the notice of the alleged debt which you have not provided on multiple attempts. Pursuant to 15 USC 1692g ( b ) nothing is to be collected until you provide me with the name and address of the original creditor which you have not provided. The alleged debt is not for me to pay, I only came to extend my credit not pay an alleged debt.
Please supply the information below so that I can be fully informed : Why do you think I owe the alleged debt and to whom I owe it, including : The name and address of the original creditor Provide verification and documentation that there is a valid basis for claiming that I am required to pay the alleged debt to the current creditor. For example, you MUST meet all the requirements per Federal Law of the validation of the debt. ( A written agreement is not one of them ) The information you have provided in your letter is not sufficient when it comes to the validation of debt per Federal Law. I only came to extend my credit. You are correct, the account is mine but the alleged debt is not. Since you have admitted that the account is mine, why did you restrict it? You have caused compensatory damages to my feelings, you have brought shame, humiliation, damaged my reputation, and mental distress. You do not have the authority to restrict or close my account and say I still owe an alleged debt.
As a consumer, I have a RIGHT TO RESCIND payments to my designated account pursuant to Federal law 15 USC 1635 ( b ) in the case of any consumer credit transaction which is what took place on XX/XX/XXXX, when I opened the account.
You have breached your contract with false and deceptive means to collect or attempt to collect an alleged debt concerning a Consumer Pursuant to 15 USC 1692e ( 10 ).
You are also in dishonor to my affidavit because you did not rebut it POINT FOR POINT. The rebuttal must be answered line for line and complete with an affidavit which you did not provide.
I also received a letter stating you restricted my account and you still did not validate anything. You also stated there was a disagreement code I violated, but you are the one that violated Federal law. I was just exercising my right as a consumer.
In another letter, you also stated to stop using the account, but it is my account and that was offensive which is a violation of Federal Law. You do not have the authority to close out an account that is not yours. I will not pay on any alleged debt that is not mine and you will also be in violation if anything changes my credit report I never gave you direct consent to furnish in the first place.
It will be in your best interest to handle this issue accordingly, Im not going back and forth after this. I know the Laws.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
03/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
I've been trying to make purchases online in XXXX with my U.S. Capital One credit card. They put a block on my account. I understand that they were concerned about fraudulent charges on my account. Up to that point, no problem.
They asked me to call them to confirm that I had made the purchases, which by the way were less than {$500.00} and on XXXX, a reputable site some might say, with their own security protocols, and where I've used the card in the past, the only difference being that this time it was using the same account but on XXXX
I have their Capital One app on my phone and access to the account on the computer, both of which require login and password. That alone should have been enough to unblock the restriction placed on my account. But they required me to call them, so I did.
I answered their questions and asked them to unblock my account. They said they needed to send an SMS code to my phone ; and therein lies the problem. As I spend much of my time traveling ( I work XXXX - even before the pandemic ), I no longer have a U.S. based phone number. I have a data SIM card with a XXXX number. I spent most of last year in XXXX and I am now in XXXX. The old U.S. number I had no longer works.
They would not unblock my account without a U.S. based cell phone number. In fact, I've noticed other companies using a U.S. based cell phone number verification system as well, excluding the possibility of other country code phone prefixes, while not offering other options for verification, or making it very cumbersome to verify one 's account in a different manner.
Since when does a U.S. citizen need to have a U.S. cell phone number in order to function normally in an increasingly globalized economy with more people spending long periods abroad? For that matter, since when is a person required to have a cell phone at all? What's the next step? Pinning us down and inserting locator chips?
The first time I called, the Capital One representative was not helpful. She was rude and would only unblock my account with ID verification by email, which would take several days. I agreed to this ; however, she didn't even do that. I never received the email.
Upon calling a second time, I got a Capital One representative that told me she had managed to unblock my account and that I could now make purchases online while abroad. I asked her to put a note on my account that I'm in XXXX and to allow purchases while here. She said she did that and everything was good to go.
I then tried to use my account, but it didn't work. The restriction continued. So that Capital One representative, while polite, basically lied to me. I called again, this time angry. After going through the entire rigmarole again, I did their ID verification by email and am still waiting for them to unblock my account.
I feel that they are abusing me as a client. My credit is excellent, over 720 the last time I checked. I have no debt - none at all. I always pay my balance in full, and I'm starting to believe that's the problem. I don't make them any money. When I suggested closing my account, they were ready to do that on the spot. So I didn't and decided to contact the CFPB instead. Hopefully, you'll be able to resolve this issue for me.
Sorry for the long explanation. Thanks in advance for any help you can offer.
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08/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On or about XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a debt that is not mine.
On XX/XX/XXXX I informed XXXX XXXX XXXX that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine.
On XX/XX/XXXX I received the response from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt CapitalOne Bank to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida.
At this point I thought it best to hire an attorney.
On XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. He specifically asked for a complete executed copy of any agreement between CapitalOne and myself. On XX/XX/XXXX XXXX XXXX XXXX again responded but did not send the information he specifically requested. All he received were more summary credit card statements.
The reason that XXXX XXXX XXXX can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 XXXX XXXX XXXX informed the credit reporting company XXXX that this account was in collection under my name.
The facts are : 1 ) all correspondence from CapitalOne to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this.
2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also.
I believe that XXXX XXXX XXXX is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told XXXX XXXX XXXX multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information.
XXXX XXXX XXXX can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account.
Since XXXX XXXX XXXX falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau.
I am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct XXXX XXXX XXXX ' errors.
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01/18/2017 |
Yes |
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Web |
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To whom it may concern : For over XXXX years now I have had a secured " Platinum XXXX '' from CapitalOne. I originally applied for this card since it was solicited via mail as a good way to build or rebuild credit. As a young person, adding more cards to my portfolio made sense.
That said, the card has been unused for over XXXX years. When I went online to review my accounts I saw I was charged a {$30.00} annual fee. While I do not have an object to annual fees as a rule, I was annoyed that CapitalOne now offers the same product, at no annual fee.
When I called CapitalOne to transfer my card type and/or to waive the fee, they refused : stating " bank regulations '' and other superficial reasons. Ultimately, I believe that the agent and his supervisor where ultimately powerless to help me.
What I find truly disturbing is the institutional policy. Despite CapitalOne no longer charging an annual fee across any of their secured lines, they continue to do so on legacy accounts, and refuse to offer transfers that they regularly provide to other cardholders ( even for myself on a unsecured line ).
What this means, practically speaking, is that the people who need financial help the most, those whom are working to rebuild their credit, are left with XXXX options : ( a ) close the account and -- this is the important part -- suffer the associated credit score hit by allowing the card to become inactive/closed or, XXXX b ) continue to pay a {$30.00} annual fee as ransom, even if the service is unused.
Realistically, based on available simulations, a person could be looking at accepting a substantial XXXX point drop in their credit score if this card was used for its intended purpose ( e.g. rebuilding credit ) as a closure of an old card affects the " average age of open accounts '' a highly-weighted scoring metric.
It is my belief that this decision by CapitalOne to disallow secured accounts to be updated to the new terms is an intentional act designed to reap profits from the most vulnerable. Not only that, but I feel that it distinctly qualifies as a Clear Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) under XXXX U.S.C. XXXX XXXX b ).
From a moralistic prospective, the notion that customers should remained locked in a position where they are forced to continue to pay CapitalOne fees or face severe credit repercussions is obscene. To be clear, if this was a lucrative rewards card, this argument would be invalid.
While my financial situation is excellent, even myself, whom has well over $ XXXX in unsecured revolving credit, is looking at a substantial negative credit hit by closing this otherwise unremarkable account.
I am transmitting this letter on behalf of other customer whom likely lack the knowledge or means to raise this complaint. I believe this policy, intentional or otherwise, unfairly hurts the most vulnerable consumers, and ultimately is not in CapitalOne 's best interests.
Beyond the reputational damage, the practice of refusing to update the card -- or allow consumers to do so -- is petty and antithetical to the " consumer friendly '' and " helpful '' atmosphere CapitalOne attempts to promote.
I would like to request your assistance in this matter to advocate for a change in policy as well as to see the necessary changes effected onto my account.
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04/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I entered into a settlement arrangement to pay XXXX on my account ending in XXXX. The LAW provides for 90 days once entering the agreement, regardless of proposed installment dates.
XX/XX/XXXX - I paid {$250.00} XX/XX/XXXX - I paid {$250.00} XX/XX/XXXX - Final Payment tentatively to be paid for {$750.00}.
After being affected by Covid 19, I called to get this final payment date RESCHEDULED, and they flat out refused. I know for a 1000 % FACT that they can do it, and that provisions of settlements allow in regulations for a 90-day payment period. I also know this to be true, because XXXX, XXXX XXXX, and XXXX all allowed me to do it.
I asked to pay it on XX/XX/XXXX ( still less than 90 days from start of plan to finish ) and they flat out refused.
I requested time to pay due to Covid 19 income loss and they flat out refused.
I requested another settlement for the remaining {$750.00} and they flat out refused.
I requested any settlement and they flat out refused.
I requested assistance under Covid 19 and they flat out refused.
I requested the standard Covid 19 that they are giving people, and they flat out refused.
They haven't implemented one thing to help their customers.
The only option they have is this " build your own plan '' available on the internet on their site which only approves it if you do a significant payment, on a monthly basis, which doesn't reflect someone's capacity to pay on an ongoing basis. There is literally no way to get an approval, unless you type in a very high significant amount. This is the same feature that has always been on their site. It is NOT directed towards helping people with Covid. 3 of my other creditors immediately enrolled me in a 60-day plan with no payments. Capital One had nothing. They are truly a selfish greedy company.
I have lost my entire income due to Covid 19 since XX/XX/XXXX, and have been trying proactively to get help from them, and they flat out refused.
I live in XXXX, and the Department of Employment Security ( DES ) and the Unemployment Office does not have the system set up yet to pay sole proprietors.
They expect implementation on XX/XX/XXXX, and payments to start being made to the unemployment self-employed group shortly following that.
I find Capital One 's inability or refusal to help me an egregious lack of support and expectations by consumers and the federal government, and I'd like to have a full investigation done into Capital One, not just through them replying to my statements, but I'd like to see the CFPB launch an investigation into their refusal to help me.
I will also be reaching out to the top executives in my XXXX network to shed further light on this, as well as the incooperation of senior account managers to work with people.
This is deplorable, and I want to throw up just thinking of how they are not helping people. I want to cry. I consider how much stress this is causing me. It's awful to have no help from them. NONE!
I sure hope they get what they deserve, by going down when nobody pays them due to Covid, and people are forced to file bankruptcy.
It will happen, and Capital One 's Managers who refused to work with me, will suddenly find themself where I was.
I will make sure everyone website, platform, and review center knows of this. As well as the XXXX.
XXXX XXXX
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08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Letter of Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX TX XXXX I XXXX XXXX, Identify as a Consumer, in Pursuant to 15 usc 1681a ( c ) Natural Person in Pursuant to 15 usc 1681a ( b ) and Original Creditor, in Pursuant to the FCRA, Federal law, which makes me Sovereign in a Sovereign State/ Corporation/ Entity, The States , that President Roosevelt Signed for Bankrupt in 1933.
I intend to fully invoke my Powers as a Consumer and exercise my Federal Protected Rights in Pursuant to the U.S. Code Title15 Chapter 41 On this XXXX day of XX/XX/XXXX, I XXXX XXXX am Lawfully writing the Credit Reporting Agency XXXX, to demand the removal of the Unauthorized,, Fraudulent, Inaccurate and Erroneous credit inquiries placed on my Report without my written and/or verbal authorization. My Identity has been compromised and my Right to Privacy has been violated in Pursuant to 15 US code 1861 ( a ) 4, and Identity Theft.
There is no Statute of Limitation on fraud. My findings show Fraudulent Activity.
These unfair and deceptive and inaccurate credit reporting methods has undermined the public, which is essential to the continued functionality of the banking system, in Pursuant to, 15 US Code 1681 ( a ) 1, in which, I, the Consumer, give the corporation life in the form of my Credit.
I dispute the validity and accuracy of these inquiries on MY credit report and demand for them to be removed and deleted from my report immediately.
I was never notified, I never granted permission, I never authorized for my private information to be furnished by the agencies or the corporations to inquire about my credit worthiness, which is a violation of my Consumer Rights.
I, XXXX XXXX, the Consumer, of healthy and sound mind, body and soul, can fully represent myself and any Personal, Private information needed can be verified by me, the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights, in Pursuant to 15 US Code 1681b Permissible Purpose, and I seek damages for injury Pursuant to 1681n for civil liability for willful noncompliance, in the form of {$1000.00} per violation. My Character has been damaged.
Congress states the agencies ASSUMED their roles in evaluating consumer credit In Pursuant to 15 US Code 1681 ( a ) 4, therefore the Consumer Federal Protection Laws were put in place to prevent unfair and deceptive methods of practice and Protects me, the Consumer, Natural Person, Individual.
Present to me Proof of any written documents with me giving such authority to furnish my Personal Private information in any instance, Signed and Notarized by your Senior Executive.
I dispute the following Inquiries : XXXX Inquiries CAPITAL ONE AUTO FIN ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Remove and Delete from my Consumer Credit Report Immediately
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06/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I booked a group vacation with XXXX based, XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. I was scheduled to travel to XXXX with them on XX/XX/XXXX Bank : Capital One Payment made : XXXX on XXXX XX/XX/XXXX - card ending XXXX XXXX XXXX postponed my trip on XX/XX/XXXX, due to Covid travel restrictions. The company changed the dates of my trip to XXXX XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX sent me a refund credit note as it became clear that travel to XXXX was looking unlikely due to Covid. As you can see on the email, XXXX XXXX clearly state if you havent booked onto an adventure in 12 months time then we can process a full refund of all monies paid.
XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for.
*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration.
Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy.
Initially my bank opened up the dispute and issued a credit but later overturned the credit and refused to accept it.
I am informed by my bank that the reason for this is that XXXX XXXX merchant acquirer XXXX challenged my dispute with the bank on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance on their T & Cs which is incorrect.
I am informed that the financial failure insurance was always in place for XXXX XXXX customers but from XX/XX/XXXX XXXX XXXX were able to insure every customer globally and they changed the T & Cs to reflect this on XX/XX/XXXX.
As I booked before this time, I am not insured or protected by any other method.
When the challenge was flagged by my bank, they should have given me an opportunity to show them evidence that clearly shows that I am not insured.
I would have been able to submit the T & Cs relevant to my booking which clearly shows that the financial failure insurance was for XXXX customers only.
I would have also submitted a flowchart provided the insolvency practitioners, XXXX which was sent to all XXXX XXXX customers. XXXX informed me that this flowchart was agreed and approved by XXXX themselves.
*Please see the red box in the bottom-left corner clearly showing that the insurance is for XXXX customers only.
*Please see the attached T & Cs that are relevant to my booking *Please see the flowchart provided by XXXX For your reference : The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX.
They could also use the expiry date of my refund credit note which is XX/XX/XXXX.
Alternatively, they may use the date I found out that I would not receive the trip (XX/XX/XXXX ).
I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I would like my bank to open my dispute and refund me, in accordance with the Fair Credit Billing Act.
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04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
On Sun, XXXX XXXX, XXXX at XXXX, I emailed General Manager XXXX XXXX and General Sales Manager XXXX inquiring about the XXXX XXXX XXXX XXXX XXXX XXXX. I was told they no longer worked for XXXX XXXX XXXX XXXX XXXX. I was transferred to Customer Financial Services manager XXXX XXXX and he told me the vehicle was under inspection and told me we could still move forward with the application process. XXXX XXXX asked me if I had any trade-ins and I told him, my current vehicle was vandalized, not drivable and my children and I were stuck in my investment property out of state. I asked the salesman if he would be able to have the vehicle delivered to me. He said XXXX XXXX XXXX XXXX XXXX XXXX XXXX not offer that service. However when I went online it said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got started on the application and XXXX XXXX, XXXX ; spoke with sales manager XXXX XXXX XXXX who told me he couldn't pull up my credit and he said he would send me a link to try again through the website. I submitted the application again and followed up with XXXX XXXX XXXX. XXXX XXXX told me he received my information and supporting documentation. XX/XX/XXXX, I received an email from XXXX XXXX asking me to call him. We went over the information on the credit application and I told him I would temporarily lift the credit freeze. I then told XXXX XXXX, I do not have a XXXX driver 's license and I am a XXXX resident. He asked me to provide him with tax statements which I provided. I told him I am living in my mother. I had purchased a home in XXXX sight unseen. I went out there to close escrow XX/XX/XXXX. However while at the property, my vehicle was vandalized causing me and my children to be stranded. I then decided that I would not be staying in the property, that I would rent out the property and go live back with my mother until I could sell the property and buy elsewhere. I told XXXX XXXX my children and I are stranded in the property due to vandalism. I told him I don't pay rent at the XXXX address and to use the XXXX address for the application as I will be getting rid of the house in XXXX once I get back to XXXX
XXXX XXXX XXXX XXXX XXXX XXXX credit multiple times, then XXXX XXXX informed me via voicemail that the vehicle was not available. He then sends an email to his staff- see below ; calling me a fraud. I then contacted XXXX XXXX. In my voice, I made it clear that I did not appreciate the disrespect and I questioned his unprofessionalism. I then asked him why he had me provide documentation, pull my credit multiple times, and then tell me the vehicle posted on the website is not available. As he claimed, the vehicle is being marketed for wholesale because 'it did not meet XXXX XXXX standards '. Why mislead the public and publish unavailable vehicles on the website? In addition, XXXX XXXX told me he didn't want to spend money shipping the vehicle to me, encouraging me to purchase a vehicle at one of the XXXX XXXXXXXX dealerships instead. XXXX is nationwide and offers store to door delivery - XXXX XXXX XXXX Despite XXXX XXXX being the world 's most successful automotive company, XXXX XXXX was discriminatory. My credit was pulled multiple times, I supplied my documentation, I was told a notary can come to where I am for signature. The subpar treatment is unjustifiable.
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06/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I am a healthcare worker and due to XXXX XXXX and XXXX I became overwhelmed in my position during the summer of XXXX. I met with my manager on different forms of therapy and counseling that were open to me which eventually lead to me having to leave my position. I still had a family to care for so I contacted another healthcare team for a position. As i started working there issues with XXXX and XXXX became an issue and after a month I lost my income due to a hostile environment and XXXX ; this was XX/XX/XXXX. It turned out the effects of my employment, diet, and stress of not being able to provide for my family took a toll on my body and I became very ill with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX XXXX. I contacted all of my creditors because I wanted my credit to remain at least fair during this time. I was told by them all, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX that they would work with me and asked what i could pay, they updated my accounts on my condition or so I was told. I tried the minimal but I didn't have enough income coming in. There was no XXXX or holiday season for me or my family but we were happy I was still alive. I contacted them all once again in XX/XX/XXXX and was told my accounts would be on something like a forbearance hold until I could pay and not report my accounts until I could get back on my feet, I was told they would update my accounts. XXXX creditors asked how long it would be before i could pay again and I gave an estimated XXXX to XXXX months because I lost my health insurance and had to find a provider that would take XXXX to help with my conditions and possible procedures needed.
I changed my eating habits/diet, excercised, and lost XXXX lbs. within XXXX months. I continued to communicate with my creditors and even applied for unemployment but it was only enough to barely pay my rent. I applied for XXXX Assitance and XXXX for food but was denied because I wasnt employed. I eventually found a provider an hour away which was good but my XXXX procedure was only able to be performed a month out in XXXX on the XXXX in XXXX. I was patient. XXXX was still providing.
I looked for new employment positions because I was falling far behind and I had a student graduating and going to college that I had to prepare for. I found the position which was {$2.00} over minimum wage at XXXX XXXX, a block away from my home, and started a week after my XXXX procedure on XX/XX/XXXX in training with less than XXXX hours.I was supposed to go slow ; I wasn't pulling or moving much and I had stents in my sides but I needed the funds. I contacted my creditors to update them on my employment but found out it was too late for some by this time, they had reported my accounts at least 30 days past due and closed them after they told me they wouldn't. I have no idea how to get my credit repaired or pay bills. I'm constantly getting calls from collection agencies but don't give my information.
XXXX XXXX worked with me and started a payment plan for XX/XX/XXXX with no interest or fees. That gave me hope but my credit is now shot. I am not finacially stable with this new position but I could've made payments and at least wanted to get back on my feet to good credit and health. Please can you help? I just found out about Consumer Finance.
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12/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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This is I believe the 4th submittal and when you read you will see why that is.
Bottom Line : I filed a dispute with Capital One because I made a deposit at an ATM ( a capital one ATM ) inside of Target and my deposit was for {$1000.00} and I only got {$700.00} deposited. I Have explained this to them in more emails then a person could ever write and will be attaching them along with what I wrote in writing because a person should not ever have to type as much as I have since this mess. They have read them and they have not handled one thing they said they would do, said they did do and wont discuss with me when 3 times this denial decision which wasnt told to me as to how they came up with the result but said they did tell me and said they sent me two emails when I said I didnt get them. As of XX/XX/XXXX which was the last day I called and called twice that day due to the fact that they were reversing the {$300.00} I called to state that I need to see all the items I have listed and all things I am entitled to before I say " ok great take my money back '' if a normal place showed a customer when its out of my hands and I now have zero trust then fine it is what it is, but they have hidden it and wont provide to me meanwhile I have contacted the card machine and told things that were so pathetic about capital one and this specific machine plus the XXXX manager told me he gets complaints at least weekly if not more and gave his name for them to call him and ask. THe store shouldnt have to deal with that but they do because people think they have to speak with XXXX but thats not the case. I have an exact scenario what happens the second someone didnt get their money, didnt get their card back, didnt get the money deposited that people are told to follow and at the end of the day capital one is wrong, these people including me only need to make one call and thats to capital one, they make them waste time and go crazy calling places such as cardtronics which has nothing to do with them or the machine or one thing about it.
I can not and will not write and sit here and rpeat myself so I will be attaching all the things I would write here becayse they have already been written by me, and again on XX/XX/XXXX I was told not to worry about the money being taken out the next day and I was so on top it why would I ever call that much to make sure I get solutions and I get legal financial details about how it was invesgiated and was proactive and called several times asking what they needed frim me as I was told they needed nothing. Nothing? how do you conduct an investigation with nothing from a customer? Until I got in to this and now looking back what took place they didnt investigate it and I want proof before I ever put the money back in ever.THat is reasonable. That is also again what they said they emailed me and mailed me also in regular mail and I never got one time. I now have a negative account because they lied on XXXX when said not to worry and worse then negative of {$300.00} they stole because they charged insufficient fund fees and sent me an email today statating if I dont deposit money they will close the acccount and report me and this means due to them and their lack of one thing they are now threatening to close my account? Please see attachments for all details
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10/06/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I noticed an account on my credit reports from a company called Capital One that I had no business relationship with. Capital One was attempting to collect on a an alleged debt in the amount of {$3800.00}. I have had my identity stolen and sent Capital One a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent Capital One account with the credit bureaus. Capital One however continued reporting this fraudulent Capital One account with the credit bureaus. XX/XX/2023 I noticed Capital One still reporting this fraudulent Capital One account with the credit bureaus. I then sent Capital One a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between Capital One and myself and the original application for the account. Capital One violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Capital One was required to cease collection efforts until the alleged debt was validated but failed to do so. Capital One continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent Capital One account XX/XX/2023 on my credit reports. I then sent Capital One a FAILURE TO RESPOND letter via certified mail XX/XX/2023. Capital One violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. Capital One violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. Capital One violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Capital One was required to cease collection efforts until the alleged debt was validated but failed to do so. Capital One continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, Capital One FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. Capital One violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent Capital One account XX/XX/2023 on my credit reports and it is still there as of this filing.
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03/21/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Do not have exact dates but as company, 'records ' all calls, they should be able to verify ....
Approximately XXXX, XX/XX/XXXX, was contacted by XXXX XXXX XXXX that I owe {$2400.00} dollars from a Capital One credit card that was opened in XX/XX/XXXX and closed in XXXX for default in payment.
I responded that I have never had a Capital One card and that someone must have opened an account as me ( fraud ) andXX/XX/XXXX was a long time ago to just be getting information about this.
XXXX XXXX informed that I need to file a 'dispute ' and they would send documentation for me to fill out and sent back.
Filled out documentation, sent back and still received multiple phone calls ( asking for sensitive info ) - explained again and again, this account was not me and I filed a dispute.
XX/XX/XXXX received a packet with Capital One statements that with a cover letter that said : '' We have completed our INVESTIGATION of your dispute concerning the account. XXXX, XXXX has obtained and reviewed the attached documents related to this account, which establish its validity. '' The only thing the documents reveal is my validity and XXXX, XXXX as fraudulent and misleading. If there truly was an 'INVESTIGATION ', it would revel that the address used on the statements is an address I have never lived at, moreover in a city I have never lived at that is a 10 hour drive from me. I'm a teacher, the dates on the charges are for days that I was in a classroom 600 miles away. Authorized Electronic phone payments were made, did they 'investigate ' how those payments were made ( bank account, etc )? All XXXX did was request statements from Capital One- there was no 'investigation ' as they claimed that established the validity of me as the account holder.
In addition to being deceptive about their investigation, XXXX, XXXX is deceptive about their contact information. In the above mentioned letter, the letter is signed by the 'Disputes Department ' with a telephone number XXXX. When I called this number to dispute the information in the package, I was informed by the Operations Manager XXXX, there was nothing he could do to help because this was not the Dispute Department- he could try to connect me but their hours are 9-5 ( it was after 5 ) but their number is XXXX.
In the same phone call I asked what would happen if I just ignored this- that I am done dealing with this, it has taken up way too much of my time because they are not doing what they are supposed to on their end and I am feeling harassed. The response was this was just the dispute department and they don't collect debts, but since they established, 'validity ', it will be sent back to the department that does collect and it would affect my credit if not collected.
On XX/XX/XXXX I contacted the 'true ' dispute department ( XXXX ) and was told that now I need to file an identify theft affidavit that is not available on their website, but they can mail. Again, why was I not told of this earlier as my initial response was that someone used my name to open the account.
Where am I now- frustrated and feeling like I am purposely being deceived and mislead by XXXX XXXX XXXX , XXXX to make it as difficult as possible to resolve this with the underlying threat that if this is not resolved, my credit will be negatively impacted.
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08/24/2016 |
Yes |
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Web |
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I purchased a used computer that was described as 100 % working and never had any issues. The computer I received had defected hardware and the computer was not functioning properly. After researching the problem I ended up finding out that the seller knew of the problem and had information to prove it. I contacted the seller and he continued to lie and say he never had an issue with the computer. Not getting any resolution with the seller I started a dispute with Capital one. The seller fought the chargeback, again saying he never had a problem with the computer and that the issues I was having was due to software I put on the computer. At this point Capital One said I needed a second opinion letter to basically say that there was something wrong with the computer and I was n't making it up. I took the computer to XXXX, the manufacturer, and they ran tests and found defected hardware in the computer. They also ran the serial number of the computer and found XXXX issues reported by the previous owner. XXXX of the issues was the same issue I was having. I called Capital One on XXXX XXXX, 2016 before uploading all my information and documents that was given to me by XXXX. I wanted to confirm that I had everything that was needed for the dispute. I was told at this time that my second opinion letter was good and that there should be no issues winning the dispute with the information I had. I sent my information in and was told I should get and answer in 10 working days. After 18 days and no reply from Capital One so I called in on XXXX XXXX, 2016. They said they could n't find the documents that I uploaded to them. After a supervisor got involved they found the documents. I again asked if all the documents needed were found and that everything looked good. Again I was told yes, I provided everything needed and in two weeks I should have an answer. Two weeks go by and still no word from Capital One so I called again on XXXX XXXX, 2016. This time I was told again that the information was not found and the case has not been looked at by anyone. I got a supervisor to talk to me personally this time and I told him that I uploaded them and he said, OHHHH here they are. He put me on hold to review my information. He came back and said, yes, I can see from this information that you do have a legitimate case here but your second opinion letter was missing something. I explained to him that I was told twice that the letter had all the information need. I asked that since I was never informed of the issue with the letter, what could I do to fix it. He said there was nothing that could be done because of time frames, too much time had past from when I uploaded the information. He said that if the case was reviewed when it should have been in the first two weeks, then they would have told me to get the letter fixed but since it took so long for Capital One to find my information, the time frame when things need to be finish had already past. So even though I proved that the computer I received was defected and not as describe, Capital One closed my dispute in favor of the seller. Capital One acknowledged that I was given wrong information by them and acknowledged that my dispute case was not handle in a timely matter. It is not right that I have to pay for the mistakes made by Capital One.
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07/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Capital One charged my Credit Card {$450.00} without my authorization and refused to reverse the charge. Furthermore, they failed to return many phone calls and email attempts to resolve this matter amicably.
1. In a Capital One letter, Capital One claimed that I accepted their offer for a loan that included a {$450.00} deposit. I never accepted their offer.
2. Capital One provided NO evidence of acceptance of their offer. The reason is that they do not have any such evidence because I NEVER signed their acceptance letter.
3. Following is a copy of a XXXX/XXXX/2016 email received from XXXX XXXX, the Capital One 's mortgage broker whom my wife and I were working with.
From : " XXXX, XXXX '' XXXX XXXXXXXXXXXX XXXX Date : Wed, XXXX XXXX 2016 XXXX +XXXX Subject : Capital One Home Loans Hi XXXX XXXX, I tried call you today to possibly review other options with Capital One. What exactly are you both looking for with rates and costs with Capital One. I will submit another exception so we can keep your loan with us. If I kept all the costs the same as I have it now, but the rate was a 2.875 % instead of 3 % would that work for you?
Thanks!
XXXX XXXX Mortgage Loan Officer XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ( fax ) XXXXXXXXXXXX The email above is evidence that as late as XXXX/XXXX/2016, my wife and I did NOT accept Capital One 's offer. There was NO reply to that email and thus NO acceptance to Capital One 's offer prior to their unauthorized charge of my credit card on XXXX XXXX, 2016.
4. After learning Capital One 's unauthorized charge of my credit card, my wife wrote an email to XXXX XXXX on XXXX/XXXX/2016. In this email my wife wrote : XXXX XXXX, Capital One has charged our CC for {$450.00} on XXXX XXXX. Can you please reverse this charge?
Best Regards, XXXX XXXX replied stating that he does not have the authority to reverse the charges and referred us to his manager XXXX XXXX at XXXX. I attempted to call this number but it was dysfunctional at the time. I attempted to call XXXX XXXX about 3-4 times, but XXXX never returned any of those phone calls.
5. On XXXX/XXXX/2016 my wife wrote an email to XXXX XXXX. In it she wrote : XXXX, My husband has left you multiple voice messages over the past two days but you have not returned his call. Also, the phone number you provided for your manager is a bad number and I have informed you of this a couple days ago but you have not yet replies with a good number! Please reply with a valid phone number for your manager.
As you know, I never gave you authority to charge my CC. Neither did I provide such authority to anyone else at Capital One. I have already requested that you reverse this charge and I am now demanding that you reverse this charge immediately. Not doing so immediately will result in a major escalation as I do not appreciate this under-handed approach.
Time is of essence.
If I do not hear back from you by mid day on Tuesday I will escalate this matter to the appropriate authorities.
Thank you.
6. On XXXX/XXXX/2016 I left a voice message on XXXX XXXX 's VM box, in it I said : " I want to file a complaint against your firm for charging my credit card without authorization and for refusing to reply to any of my multiple phone messages and emails. '' XXXX XXXX never responded to this voice message.
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08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chief Financial Officer, Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Identity Theft Affidavit - Request for Immediate Action To whom it may concern, I, XXXX XXXX XXXX XXXX, am writing to you as a victim of identity theft and to bring your attention to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of the law, including 15 USC 1681a ( 3 ), 15 USC 1681e ( b ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ).
Your company has failed to assume its vital role in making sure the accounts reporting on my consumer report are accurate. You have received numerous documents regarding information to support my case of identity theft. Shall you continue to ignore my request and deprive me of my rights, I will begin taking legal action against your company pursuant 15 U.S.C. 1681n!
According to 15 USC 1681a ( 3 ), your company plays a vital role in ensuring the accuracy and integrity of the information you report. As a consumer, I rely on your agency to fulfill its responsibility to maintain accurate consumer reports, especially in cases of identity theft.
Furthermore, 15 USC 1681e ( b ) stipulates that your company is entitled to have the maximum possible accuracy when reporting information. It is clear that these accuracy standards must be upheld to protect the interests of consumers and maintain the integrity of credit reports.
Most importantly, FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ) emphasizes the requirement for your company to promptly investigate and delete inaccurate information resulting from identity theft. As outlined by this law, I hereby request the immediate deletion and blocking of all inaccuracies resulting from the fraudulent activities associated with my identity.
Below are listed all of the accounts on my consumer report that are fraudulent due to identity theft.
Capital One Credit card - XXXX To support my claim of identity theft, I have attached the following documents for your reference : 1. A copy of my government-issued identification.
2. Copies of relevant police and identity theft reports filed with the XXXX Police Department and FTC.
I expect your agency to take immediate action to investigate and resolve this matter in accordance with the FCRA 605B 15 U.S.C. 1681c-2 ( a ) ( b ). Specifically, I request the following actions to be taken within four days of receipt of this letter : 1. Delete and block any inaccurate information resulting from the fraudulent activities associated with my identity from my consumer report.
2. Provide me with a written confirmation of the deletion and blocking of the inaccurate information.
3. Provide me with a copy of my updated and accurate consumer report, free of charge.
*Please note that failure to comply with the provisions of the FCRA will result in legal action being pursued against your agency. * I appreciate your attention to this matter and your cooperation in resolving this issue promptly. I look forward to receiving written confirmation of the actions taken within the specified timeframe. If you require any further information or documentation, please contact me at the email address provided below.Thank you for your immediate attention to this serious matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Application date : XX/XX/XXXX Approval date : XX/XX/XXXX Account closed date : XX/XX/XXXX Account Close Letter date : XX/XX/XXXX Rewards order number : XXXX Reward amount XXXX Reward point available : XXXX Annual Fee charged on XX/XX/XXXX Annual Fee amount paid : {$390.00} Capital One closed my account ending in XXXX on XX/XX/XXXX, while I was on a road trip in XXXX. Letter dated XX/XX/XXXX from Capital One noted the below : Were writing to let you know that this Capital One credit card account has been closed for the following reason : Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence.
Unfortunately, it cant be reopened, and we are not able to offer additional information about this decision.
I disagree with the statement above made by Capital One. If the account was closed due to activities of a previous Capital One account, Capital One should have sufficient Know Your Customer ( KYC ) policies and procedures in place to identify individuals that have previously been identified as not suited for obtaining a new account. Capital Ones policies and procedures should have prevented such individual from obtaining new credit. Capital One should not close an account after three months from account opening when the individual had spent over {$12000.00} on the card, paid the annual fee of {$390.00} and had XXXX in reward points without sufficient disclosure.
If the closure is due to the activities of the present Capital One account ending in XXXX, I would challenge Capital One to share their algorithm, policies and procedures to identify this account as inconsistent with anticipated account activities. If the present Capital One account is what caused the account closure, I believe Capital Ones algorithm, policies and procedures used to identify my account for closure is potentially problematic. The algorithm, policies and procedures are potentially targeting individuals protected under federal law from discrimination.
At the time of account closure, I had paid {$390.00} in annual fee on XX/XX/XXXX, and I had XXXX reward points. When the account was closed on XX/XX/XXXX, I was not refunded the {$390.00} annual fee. Also, rather than applying the rewards points against my travel purchases at XXXX XXXX per reward point for a total of {$1400.00}, my reward points were redeemed at a lower XXXX cents per point for a total of {$740.00}, which is one half of the amount I am entitled. This practice of not giving customers a chance to redeem rewards and refund the annual fee are problematic as well.
In my entire career as a XXXX XXXX in the XXXX XXXX XXXX I have not seen such problematic practices. I am asking the CFPB to investigate my claims of Capital Ones KYC policies and procedures, algorithm, policies and procedures of identifying activities which are not anticipated and problematic practices of not refunding the annual fee and the automatic redemption of rewards at lower rate.
I request Capital One to refund my annual fee of {$390.00}, and issue an additional {$740.00} in rewards because it was redeemed at XXXX XXXX per point vs XXXX XXXX against my travel purchases. Thus, the total refund request is {$1100.00}.
Thank you.
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07/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2020 I went to XXXX to purchase flights for my family of 5, totaling {$2100.00} for all 5 of us After selecting the flight, I tried to pay with my Capital One XXXX XXXX card but the website declined my card. I tried again but got declined again, and then tried my XXXX card but that too was declined. At that point I called XXXX customer service and finished the txn over the phone.
Later, I noticed that the " declined '' transactions on my Visa card had actually gone through on my Capital One Visa card ( two txns of {$2100.00} each, totaling {$4800.00} for both ), plus another {$2100.00} on my XXXX. When I called XXXX, they kept reassuring me that those were just authorizations and that the charges wouldn't post. However they did end up posting. After countless hours on the phone with XXXX to try to get the charges reversed, they kept claiming they couldn't see the charges on their end.
I then tried to dispute the " declined '' txns with both CapitalOne and XXXX. XXXX immediately recognized the duplicate charge and reversed, case closed. CapitalOne also reversed the charges initially, but then initiated an extremely lengthy and drawn-out process where they would send me written notices via USPS mail where I had to send back forms and via mail. Each of the {$2100.00} txns got split up into 5 separate txns ( one for each passenger in the txn ) so I ended up with 10 " cases '', all requiring their own paper forms and documentation to be mailed back and forth during COVID when mail was shut down/delayed and I didn't receive half the forms they claimed I should have received, each of which required responses. I begged them during the process to contact me if they had any questions or if they needed any extra info, but never got a phone call or voicemail. CapitalOne claimed they didn't receive the mailed responses to their forms soon enough and ruled in favor of XXXX, and charged me back the full {$4800.00}.
I tried escalating to their " XXXX '' group, who conducted an internal review to see if there was an error made during the dispute, and they said that I didn't provide enough documentation to substantiate that the charges were duplicate. How could I fly the same flight on the same day with the same itinerary 4 times!? They clearly just don't want to reverse the charges even though they know they are fraudulent.
I've tried escalating to XXXX who simply doesn't respond any more, and to CapitalOne who claims they can't do anything since they say I lost the dispute. I am a victim of fraud from XXXX and CapitalOne. Please help me recover the {$4800.00} that CapitalOne allowed XXXX to take from me fraudulently.
I have attached all the documents that I've provided to CapitalOne as part of the dispute. The first document " 01. Dispute Overview - XXXX '' has a more detailed description of what transpired. The attachment titled " 08. Emails to XXXX '' contains the screenshot of the pending txn 's confirmation numbers from my CapitalOne online txn history, and in the attachment titled " 16. AM Customer Service Emails.pdf '' XXXX clearly states that the charges related to those specific confirmation # 's should not post since the tickets were never completed. The evidence is XXXX clear that I was defrauded by CapitalOne and XXXX, please help me recover what they stole!
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07/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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My main issue is that I am unable to speak with anyone at CapitalOne about my total relationship across all accounts, credit, banking, etc. Their customer service is in specific departments, when the issue spans departments.
One of the factors that is hurting my credit score is having cards with low limits, which I am seeking to correct, and all those accounts are with CapitalOne. I can fit all those inside my other credit cards...
My oldest credit card has had the least amount of credit limit increases among all my other cards by some amount, which is presently {$6600.00} up from {$5000.00} per increase I requested in XXXX. I received notification today another card increased to {$22000.00}, another is {$13000.00}, and ones like my XXXX account is also {$12000.00}.
I had another account with CapitalOne for many years that never had an increase from its {$2100.00} limit, and that account was auto closed due to inactivity. I recently closed a Capital One spark business account that was at {$3500.00} after being denied a credit limit increase. I have closed {$5600.00} worth of accounts at CapitalOne, yet only {$1600.00} of that was added to the one card still open. I am weighing the impact on my score of closing that account.
In 2019. I had deposited almost {$50000.00} in a CapitalOne money market account. I also have some business checking and savings, that are not really used anymore. CapitalOne has had access to information like that the banks behind my other credit cards do not. Not to mention, my credit score increasing by some XXXX points into Excellent from when I first opened my account. They claim they auto increase the limits, which in some 15 years. I think has happened once.
I keep trying to talk to someone about my total relationship across all accounts, which seems to not exist at CapitalOne. They do not have a general customer service department, shockingly. It seems decisions are all made electronically with no possibility of human oversight or intervention.
I have called CapitalOne 3 times regarding this situation, and I was told something different the first two times. The issue should have been handled the first call. I should not have to rely on fully automated systems, that do not take into consideration a lot of information.
Even worse, I think CapitalOne is intentionally keeping limits low, to hurt credit scores, for their own benefit. It allows them to use that credit report to restrict credit limit increases or the general limit, and also for interest rates, etc.
I need a greater limit to improve my score, I need a better score for the limits. But I question the entire situation given how much my credit score has improved, assets etc. I have lived in the same home for 20+ years, have over 50 % equity, plus cash on hand in other bank accounts, investments etc. There is NO legitimate justification for how I am being treated by CapitalOne, nor their systems.
I should be able to speak with someone about my total relationship across all accounts, as they are related when it comes to matters like increasing a credit limit.
CapitalOne seems to not like customers who have cash on hand, pay off entire balances every month, even when they are 90 % of the credit limit, and have excellent credit. That seems like predatory lending practices...
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02/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
On XXXX XXXX, 2020, I deposited a check from XXXX XXXX XXXX Operating Account, XXXX XXXX XXXX, XXXX XXXX, XXXX , GA XXXX ; check number XXXX XXXX XXXX , XXXX , GA XXXX Date XX/XX/2020 in th amount of {$10000.00} into my CapitalOne360 account. Email Response was to hold onto check until it cleared. Later that evening I received another Message from CapitalOne saying the check had cleared and I could destroy it. I did not detroy it. I called CapitalOne customer service and the agent told me the check was indeed good and the money was in my account. When asked it that money could be reclaimed, he assured me it could not. Per instructions, I did contact XXXX XXXX ( the buyer ) to report the check had cleared and to receive more information. She instructed I go to XXXX and get blank Money Orders For {$1000.00} and {$400.00} and then go to postoffice and she would send name and address of the recipient. XXXX refused to sell Money Orders, fearing this was a scam. I then again called Capital One customer service and asked the agent if the check was cleared and if that money could be reclaimed in any way. Again I was assured it could not. Based upon this information, I proceeded to follow Ms XXXX 's directions and rchased money orders for {$1000.00} and {$400.00} and send it to XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana and I complied.This money was the difference in the asking price of the van ( {$8500.00} ) and the {$10000.00} check.
The following day I received a message from Ms. XXXX that her husband 's mother had died making it necessary to cancel the sale. She then instructed me to go to XXXX XXXX and purchase {$5000.00} money order for refund. I refused to go to XXXX XXXX that night and told her I would go to Post Office in the morning to complete the transaction. There I purchased 5 {$1000.00} money orders and sent {$1800.00} through XXXX to XXXX. The money orders were to be sent Overnight Priority Express to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXThis was Saturday and I complied. On Monday my husbank checked our bank account and found we were overdrawn $ XXXX+. Review of the transactions revealed the {$10000.00} was deducted from our account. I then contacted Capital One 360 Customer Service and asked them to explain. I had been told by two different agents there was no way that money could be recalled Customer Service Agent responded the check was fraudulent, and their customary banking process did not check for a fraudulent check and there was nothing the bank could do. A second call to customer service gave the same response. I then advised the agent I was guaranteed two times that the money could not be removed from my account. My actions thereafter were based on this assertation. He again said the bank was not liable for fraudulent checks and I would be charged 12.5 % interest on the overdrawn balance.
I maintain all of my actions were based on the two customer service agents ' responses to my question whether that money could be reclaimed. The money was reclaimed and the bank assumes no responsibility for the incorrect, incomplete information provided by their customer Service Agents.
I have filed a police report and that resport is to be turned in to a detective who will be in touch. I have not heard from that person yet.
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09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Capital One acct XXXX Reported missed payment XX/XX/XXXXReported missed paymentXX/XX/XXXX Reported missed payment XX/XX/ Reported missed payment XX/XX/ Reported missed payment XX/XX/XXXXReported missed payment XX/XX/ According to the fair credit reporting act 15 USC 1681 section 602 A states " There is a need to ensure the customer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect to the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that tidal. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency mate make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' this account is an adverse item they are reporting again without my permission which is against the law 15 US code 1681 s-2 ( A ) ( 1 ) a states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " Every consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of Consumer Reports to the purpose listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at anytime '' I am opting out for your reporting services.
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10/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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In XXXX of 2020, I contacted Capital One in regard to an account that had been closed to receive a payoff amount and a remittance address. I was told to send a check in the amount of {$660.00} to a physical address provided by Capital One. I sent the check for the full amount and it appeared on my bank statement to have cleared my account electronically on XX/XX/2020. I did not hear anything back, but was not advised that I would receive any correspondence so I assumed the matter was closed. In the month of XXXX or XXXX ( my memory escapes me due to the birth of my son ) I received a perforated enveloped check from Capital One in the amount of {$660.00}, however I did not correlate this check to the check I had sent months prior. There was no memo to explain what the check was referenced to. I contacted Capital One customer service and the agent could not find an origination for the check or determine what the check was for. They then told me the check was part of a scam and instructed me to shred the check, which I did immediately. I also inquired if I needed to report the scam to any additional agency and they assured me the matter would be handled within their office and I did not need to speak to anyone else. A month later I noticed my credit report was still reporting a balance due on this card and multiple missed payments, negatively reflecting on my credit score. I called Capital One and inquired about the balance and was told that they never received a payment on this card. I provided a check number, amount, date and a copy of my bank statement showing where the payment cleared my bank account. Their dispute center contacted me and requested a cancelled check image. I reached out to the local branch of my bank and I was told that a cancelled check image was never sent back to the bank from Capital One because it was deposited electronically, therefore they did not have one to provide to me. When I spoke with Capital One on the phone about this, they told me that they always send a cancelled check image and insisted that we contact my bank together. We first contacted the bank rep at my local branch that I had already spoke with and she explained to the agent the exact explanation that was provided to me. The agent then insisted we contact the corporate office of my bank, which we did. The bank rep at the corporate office said the exact same thing as the local rep, but was able to have the IT department source that the electronic deposit was captured in XXXX, Virginia, which is where Capital One 's corporate office is. The Capital One agent said she would have to send this information back to the payment team and would follow up with me. The following week she reached out to me and I was told that due to Capital One not being able to locate my check or the check that was sent to me from Capital One that had been shredded, I needed to file a complaint with my bank and have the bank pay my money back to me. At this point, I requested a contact address, agent and a record of our call transmissions so I could begin filing in small claims court. I also notified them that I would be filing a complaint with XXXX and the CFPB. I was told they only way they would provide call records would be through subpoena. They did however provide me with an address but no agent.
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02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
On my second attempt to have XXXX remove my incorrect information. I wrote : Please note that this is my second request for removal of inaccurate information. Please take more effort to validate my claim, as I have already suffered damage from your lack of due diligence.
The item I am disputing is Kohls/Capone, account XXXX, showing a 30 days late payment for XX/XX/XXXX. First and foremost, I signed up for auto pay with Kohls in the beginning of XX/XX/XXXX, as I have autopay on all my accounts. I had already paid Kohls through my personal banking online bill pays and was current through XX/XX/XXXX, so my first Kohls auto pay should have been XX/XX/XXXX. Upon checking my Kohls account on XX/XX/XXXX ( 5 days after the due date, not 30 days ), I saw that my Kohls auto pay had not made the fore mentioned withdrawal and immediately paid the total amount owed, including the late fee. I also could not tell if the Kohls auto pay feature was still enabled, because my checking account information was blank. I since have redone the Kohls auto feature and it looks identical to the XX/XX/XXXX blank checking account information. After an ill-fated attempt on Kohls auto pay, on around XX/XX/XXXX, I deleted my Kohls auto pay registration and resubmitted it. I again had to pay online ( Confirmation # XXXX ). My XX/XX/XXXX auto payment is the first successful payment withdrawal achieved by Kohls.
Background, after pulling my XXXX credit report on or around XX/XX/XXXX, I noticed my score had plummeted. To resolve this issue, I emailed Kohls and called Kohls at this same time period to resolve this issue. The crux of the email was that Kohls auto feature was not on, the payment was due on XX/XX/XXXX, and the email shows paid on XX/XX/XXXX. The call however went a little different. The lady on the phone said that perhaps the Kohls auto pay feature failure was due to some computer issues that Kohls had been experiencing. She asked me two to three times to say the magic words. I finally came to the conclusion that she wanted me to say, please remove my late fee and she did remove it. My concern was not the late fee, it was that my payment was showing 30 days late, when it was not, What I took from the conversation was that once my late payment was removed, then the 30 days late reported would come off my report. I also disputed with XXXX at this time and the item was still not removed. Again, on around XX/XX/XXXX I called Kohls and spoke with XXXX, he verified what I was seeing regarding the payment on XX/XX/XXXX and acknowledged it was not 30 days late. He said that he would work with his supervisor to get this fixed and call me back. I have received no calls, correspondence or emails regarding his outcome. I again emailed Kohls on XX/XX/XXXX and reiterating my claim and was told to call Kohls to resolve as they could not assist me via email with the information provided. I was still hoping that given a little time Kohls would get to the issue and correct as I became busy with the holidays.
On XX/XX/XXXX I attempted to trade in my car on a phenomenal offer on a XXXX truck and witnessed the awful effects of Kohls false reporting and what it did to my credit. I was not denied, but the interest rate that resulted from this false reporting made me unable to take advantage of this offer.
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03/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2020, I called Capital One Bank to ask for a hardship arrangement on my past due account, as I have numerous times and have been turned down. All phone calls on my telephone are recorded. This most recent call was immediately transferred to a XXXX XXXX XXXX XXXX XXXX/Debt Collection Agency.
I explained to a lady that I was recording the telephone call after she expressed to me that there was legal action pending. I then explained that I would require proof of the total amount owed and that I would make payments as long as nothing would be pursued or atttempted to be placed upon my record. She explained that I may receive a court summons, but to simply ignore it as long as I signed the paperwork she was going to send me in an email. ( I am consulting a lawyer about the legality of that statement ) I made it clear that as a XXXX XXXX, I could not have anything placed upon my record and she assured me that as long as I made my payments and signed the paperwork, that all would be well. This is all on a recorded call that I can provide to the CFPB, court of law, and the Texas Attorney General.
The paperwork came later that day. It was basically a judgement against me that was waiting on my signature. I can also furnish this to the CFPB, if needed. It was stated that no judgements would be pursued if I signed the paperwork and the paperwork was essentially an agreement to a judgement. XXXX XXXX XXXX is in violation of numerous FCRA, FDCPA, and Texas Finance Code consumer protection laws and debt collection regulations.
Futhermore, the FDCPA requires that within 5 days of initial communication from a debt collector, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. This has not occurred. My first contact with this company was a telephone call on XX/XX/2020, to which they informed me that they had filed a lawsuit against me. This was the first time I had any knowledge that my past due Capital One card was placed with another agency.
My final Capital One balance before the charge off was XXXX. XXXX XXXX XXXX is showing two different amounts due, depending on the paperwork they assemble. The first amount due, ( according to this agency is XXXX and the other is XXXX ).
I requested debt validation by email and an amicable payment-plan oriented resolution and they simply mailed me credit card statements. They did not mail me the required legal notice that states my right to dispute the validity of the debt within 30 days, a signed credit agreement, documentation of the chain of custody of all paperwork, proof that the paperwork is accurate and from the original creditor, and proof of the legal authority to collect the debt, ( how do I know the creditor actually hired this company to collect the debt on their behalf? What if I was to pay the this company, only to have the creditor or another collector come after me because the collector I paid was never hired in the first place? ) There are numerous violations of various debt collections acts that have occurred here.
I will also be filing a complaint with the Texas Attorney General due to violations of the Texas Deceptive Trade Practices/Consumer Protection Act and also the XXXX XXXX XXXX.
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04/17/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I am writing about discrimination that occurred while interacting with a Capital One Ban k, executive office representative. The representative 's name was XXXX XXXX ( employee ID XXXX ). The case number referencing the call is XXXX . I called as I was having difficulty with the online process of requesting a credit line increase, thus I called to asked to speak to an underwriter and g et information re : m y request for a credit line increase. XXXX told me that I was not allowed to speak to an underwriter based on what she assumes my " abilities '' are and that speaking to an underwriter is an option that is just not available to me. I told her that this was a clear example of discrimination and you may not differentiate services based on one 's assumption of someones abilities over a telephone. She then asked what my disability was to which my husband responded that based on ADA and other legal guidelines, you MAY NOT ask someone to disclose their disability, rather if a customer is asking for another channel to assist them in reaching an answer, they must be provided with that option and options available to one set of people must not be withheld or discriminated against based on an assumption of a representative on the other line of the phone. XXXX disagreed on this and refused to reroute us to an underwriter to discuss my credit line increase. I then repeated that I would like to speak to someone regarding a credit line increase above {$2700.00}, to which XXXX said I could not qualify for. I then asked her to send me an adverse action notice outlining my denial for a credit line increase, as I feel there must be an error on their end as my credit score is more than excellent and I have almost no debt, and she stated Capital One does not send adverse action notices. This is against the Fair Credit Reporting Act , Regulation B, a s adverse action notices must be sent out when a credit line increase is denied. I would like this Bank, and particularly XXXX in the executive offices to be investigated for not following Regulation B of the FCRA and discriminating against me, withholding servic es based on her assumption of my abilities as well as asking me to disclose a disability, all which is illegal in relation to ADA. When we asked for her employee number and reference number as we wanted to report this to the XXXX , she stated that the complaint would only come back to the executive offices anyway, implying that you would not investigate or take action because I was already escalated to the executive offices. This upset me even more as there was no reason to make this comment and I am concerned that they may brus h their illegal and discriminatory processes to the side because they feel they are invincible against the CFPB because they are in an executive pos ition. Discrimination and differentiating services is never acceptable and the FCRA regulations were set forth for a reason and this company should be investigated. I do have part of the conversation recorded should you need this information, inc ase Capital One acciden tally " loses '' our recorded conversation. Additionally, I encourage the CPFB to look at consumer affairs and you will see that this happens frequently to other customers and this just should not be allowed.
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01/27/2017 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Back in XX/XX/XXXX, I called XXXX XXXX regarding the payment arrangement because they began taking two payments instead of the one payment we agreed to every month. They concurred that it was a mistake, but that I can choose to continue the payments this way since it would lower my debt faster. I agreed then.
I called a second time within the same period to discuss the credit reporting information for both the debts, XXXX and Capital One. I explained to XXXX that it was reporting debt in delinquent status when I had paid one in full ( XXXX ) and the other I was paying down ( Capital One ). I also saw they were hitting my credit reports every month as a new account each time they received a payment. Each XXXX account was in delinquent status and no payment arrangement was reported. I explained to XXXX that the original creditors also have the debt on the credit report so XXXX was reporting the same debt XXXX all in delinquent status. It was preventing my credit score from rising and hindering me from building or establishing new credit. For example, every time I rose a point the next month I got another hit from XXXX and was knocked down XXXX points. The XXXX representative said there was nothing he could do because that was the way the debt was reported and deferred me to the disputes department.
I wrote an email to the disputes department and the XXXX ombudsmen department explaining the situation. They said they would investigate the matter and I would be notified. I got a letter regarding the debt from XXXX that a request was made to delete the trade line for this account with XXXX. I received another letter from XXXX for the Capital One debt, that I had been paying down, attached with old statements verifying the debt and stating the investigation is complete with a new balance of XXXX. No mention about the credit reporting.
XX/XX/XXXX, I get a call from XXXX collections agent at XXXX demanding I pay the debt in full. I had no idea what she was talking about because I had a payment arrangement. She stated there was no record of a payment arrangement. I explained I had been paying the company for a long time and they just took money from my bank account on XX/XX/XXXX. She referred me to the supervisor who then explained as a result of reporting the dispute XXXX deleted the payment arrangement and now I must make a new agreement. I asked about settling the debt and how it would get reported because that has been my concern this whole time. I only wanted them to report accurately. The supervisor said he could n't explain about how the reporting works but I should contact the disputes department.
I emailed the disputes and ombudsman department once again. The ombudsman responded that they can not control how reporting agencies report information and there is nothing else they can do for me.
XXXX is now coming after me again for the debt that I was paying. XXXX refuses to resolve this problem with me. My credit should not have to suffer because they have access to it. They are n't the original creditor and the original creditor continues to report the debt as a charge-off. I should not be penalized for disputing the debt and requesting it be reported accurately. As I stated to XXXX deleting the payment arrangement because of my report does n't sound legal.
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01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over $ 600.The IRS treats the forgiven debt as income I was told that the debt was paid in full but yet your company mark it as a CHARGE-OFF The term charge-off ( Eliminate or write off ) The term charge-off is used to describe the process of removing from the records of a company something that was once regarded as an asset but has subsequently become worthless.
A classic case is the bad debt, which is an uncollectible debt. A bad debt is a permissible business tax deduction, so if your company write of the Wholly worthless debt and collected the full amount of the debit from the allege consumer thats considered TAX FRAUD because you collected full payment and still wrote it off and reported it to the IRS as lost income to reduce tax burden.
This account is mark as CHARGE OFF the consumer no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which the consumer should pay income taxes.
your company is reporting INACCURATE Information on my consumer report charge off debt/ account is considered as FORGIVEN debt or becomes INCOME and the consumer report does not include INCOME OR FORGIVEN DEBT not to include your company got paid in full by the consumer and you also write it off which is TAX FRAUD if your company dont remove this fraudulent account from my Consumer report i will contact the ( IRS ) Internal Revenue Service and requesting a TRANSCRIPT ill include this TAX FRAUD that i discovered ill also CC the XXXX FTC AND CFPB.
18 U.S. Code 1341 Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish I DEMAND DELETION OF THIS ACCOUNT FROM ALL CONSUMER REPORTING AGENCIES NO LATER THEN 5 BUSINESS DAYS AND A WRITTEN CONFIRMATION TO ME IMMEDIATELY NOT TO MENTION 15 U.S. Code 6803 ( a ) Disclosure requiredAt the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
Please also enclose a printed copy of mypayment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.
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05/24/2015 |
Yes |
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Web |
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My issue is that, i already have paid all the money that i owed from capital one. The last payment i did was on XXXX/XXXX/2015 for the amount of {$310.00}, and weeks later i logged on to my account with capital one just to make sure that i do n't owe them anything anymore.To my surprise i have an outstanding balance of {$1300.00} and XXXX due on XXXX XXXX so i called customer service and asked the lady why do i still have an outstanding balance? when i already settled the money that i owed you. She said that my account is restricted and under investigation, she asked me to submit some documents and that she will email me a link where i can upload those documents that she mentioned. after a day or XXXX i submitted the documents, then i waited for days then weeks then i got worried because XXXX XXXX is near and i do n't want to pay it until i know what is going on with the investigation and i do n't want to pay the late fee either. So i called and spoke to a man this time and explained that i submitted some documents that the customer service asked me to but never got any response, and i told him that i wo n't pay the amount until i get the result of the investigation he put me on hold for awhile and after awhile he said that he ca n't access my account because it is closed already, and i asked him how about my up and coming payment due? do i have to pay it or just wait? and he said just do n't have to worry about it. So i said ok, then still waited and waited for a call from them but never did received any call then XXXX XXXX came i was really worried that i will really be hit with the late fee and of course i checked after 2 days now i m charged with {$35.00} for the late fee and now asked to pay {$130.00} coming XXXX XXXX, 2015. Still never got any calls from capital one, so i called and explained to them what happened, i was put on hold for a long time and then explained again what had happened to the other person. This person then explained that the reason why i still owe them money is because all the payments that i made did not go through and that the money was returned, and if so why did n't somebody call me or email to inform me that my payments was n't posted or was returned? and what 's even suspicious is that if it has been returned every month why was n't i charged for a late fee? the conversation lasted for at least an hour, and still debating what happened to my account, then i was again passed to another person and explained to me the same thing that my payments were returned. The person then told me that somebody else is taking care or in charge of my account but not working on that day, she then told me that she will let that person call me the following day and i said ok but please do make sure that he/she calls me i just want this to be over. But surprise ... surprise ... .nobody did call me, so i had to call again the day after the person is set to call me, this time the person i spoke with said that she does n't have an answer for me because my account is closed i asked the person what to do? and she said if i want to open a new account i could still do so. It made me realized that nobody really cares about my situation now owe them {$1400.00} i just do n't know what to do, dealing with these people and have my problem resolved is impossible.
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11/10/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I am filing this complaint to draw the CFPBs attention to the unfair and deceptive practices of Capital One in connection with its Capital One 360 Savings Accounts and request that I be made whole for the lost interest that I would have earned had Capital One not engaged in these practices.
I have held multiple high-interest savings accounts with Capital One for more than a decade. All were opened as high-interest savings accounts under XXXX XXXX and transferred to Capital One 360 Savings Accounts when Capital One acquired XXXX XXXX. Interest rates on those accounts adjusted as interest rates declined after the acquisition.
In XXXX, Capital One created a new variable rate savings account product with a similar name, Capital One 360 Performance Savings Account, and no longer offered Capital One 360 Savings Accounts to new customers. Capital One 360 Performance Savings Accounts were the only variable savings accounts advertised by Capital One starting in XXXX.
As interest rates rose over the past few years, the interest rates on Capital One 360 Savings Accounts were not adjusted. In contrast, Capital One 360 Performance Savings Accounts were adjusted and widely advertised as having competitive rates. Because of the similar name and the fact that the Capital One 360 Performance Savings Accounts were the only variable savings accounts on the banks website, Capital One deceived me and other longstanding depositors with Capital One 360 Savings Accounts who reasonably thought that they were benefiting from the high-yield variable rates advertised by Capital One.
Capital One also was unfair to its longstanding depositors because the material difference in the interest rate offered on existing savings accounts was not adequately communicated to existing savings account holders. As recently as XX/XX/XXXX, I contacted Capital One customer service to consolidate some of my Capital One 360 Savings Accounts. I now know that, at the time, my Capital One 360 Savings Account was paying only 0.30 % interest while the Capital One 360 Performance Savings Accounts were paying 4.3 % interest. I was not informed that the rate on Capital One 360 Savings Accounts was no longer being adjusted, that the accounts were not being offered anymore to customers, or that there was a similar savings account with a much higher interest rate that any reasonable person would have converted their account to.
I was made aware of this issue yesterday from a newspaper article about a potential class action lawsuit. I called Capital One, transferred my money to Capital One 360 Performance Savings Accounts, and filed a complaint. The unfair and deceptive practices of Capital One have cost me and others substantial interest over an extended period of time. Furthermore, these practices are ongoing for those who still do not realize that Capital One pulled a bait and switch on their savings accounts. I request that I be made whole by adjusting the interest rate on my Capital One 36
0 Savings Account retroactively to be what was advertised for Capital Ones variable rate savings account ( i.e., to be paid the interest that I would have earned had my account been converted to a Capital One 360 Performance Savings Account when Capital One 360 Savings Accounts were no longer advertised to new customers ).
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12/07/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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There was fraud on my Capital One card back in XXXX. Since then, I found out someone was posing as social security and asking a friend in XXXX questions about me. Furthermore, on XX/XX/2016 I got a call to my google voice ( which is an unpublished number only listed on my credit card and credit union for business purposes ) telling me I was being sued for $ 1200+. Long story short, I contacted Capital One about this extortion attempt and of ALL my banks, online accounts, credit unions, etc. Capital One was the ONLY company who consistently GAVE OUT information.
Let me clarify. I called Capital One on XX/XX/2016 and told them about the phone call for money and told them that I believe my account might have been hacked so I would like a new credit card number and to remove my online access completely. I asked also for additional security measures to be placed on my card, since the frauds knew my social, addresses, etc. I figured adding more security was essential to protect my credit and what private identity I had left.
So, additional measures were placed and the card was sent BUT it took over 3 days, countless hours, 10+ phone calls to remove the online account. And worse, several representatives in the FRAUD department FAILED to ask me the additional security measures, and instead only asked for social/bday, which they knew was already compromised! Add to that, that one rep, XXXX in the FRAUD department even started to tell me my credit card number over the phone! If that 's not a security breach, I do n't know what is!
Also, it took over 24 hours for the online account to be removed, whereas my other accounts understood the severity of my identity issue and resolved the issues immediately. It is 72 hours later and I call Capital One because my new card arrived and low and I call fraud department to activate the card. They tell me to verify my identity with my social, birthday but NOT additional security measures until I PROMPTED THEM! XXXX was one such rep and eventually said he would call back. Little did I know that I had my phone " do not disturb '' on and when I called back to speak to XXXX, got the run around. I was eventually transferred to XXXX, who out of the blue decided arbitrarily to make me send in a myriad of personal information. ( Because sending my DL, ss #, etc of the internet is a great idea!! ), and I objected over the security concertn. But she insisted that SHE required it, even though no other rep had. I 've now AGAINST MY WILL, been threatened by Capital One if I do n't send it, they will not release my online account or new card activation, so being forced to, I with 100 % reluctance sent it to them via a " secured '' email link.
They tell me I have to wait 72 hours for my card to active and I 'm on business in XXXX where I have NO money, NO credit card, and they have never offered so much as an apology for the lack of security, courtesy, or protection of my account. In fact, they " sent '' a letter to my online account, which of course I ca n't access. Just one example, of the unprofessional business conducted by Capital One and dare I say, illegal give that they have failed to secure my account over the phone. I will consider filing legal action with Capital One and have already begun the process of finding a new credit card.
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04/28/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
Older American |
XXXX Capital One and XXXX XXXX, where I purchased my car Had/Have a collusive kickback scheme. My credit was poor but Capital One was XXXX of the creditors I had with whom I had n't missed any credit card payments. I had closed both accounts with them several years before I purchased my car when I realized.I was in financial difficulty. Then a couple of years later when I needed a car Capital One was the only XXXX XXXX of XXXX said they could get to approve me. At first the interest rate was high at 14 %, When I got the call and agreed out of desperation, the interest rate was increased to 16 % when I got there to sign the papers. Although I was purchasing a new hybrid car at {$19000.00} in order to keep my costs and expenses down, I wound up with a payment of {$530.00} per month. as if I was purchasing a XXXX or XXXX or some other high end car. After paying on it first for a couple of years without missing or being more than 30 days late on a payment, then XXXX, 4 years without missing or being more than 30 days late on a payment, each time asking Capital One to PLEASE reduce my interest as it was a struggle to make the payments, they turned me down each time. Even though I was not more than 30 days late during that time, there was no grace period I learned in this loan so Capital One was making a good amount of money also on late fees I had to pay at {$35.00} per month if my payment did not get to them on the XXXX due date. I was often XXXX, XXXX, XXXX, XXXX XXXX, XXXX or more days late so I paid that late fee often due to when XXXX 's fell, or if I were pressed to pay a utility bill to keep service from being disconnected and buy food too which left insufficient money to pay the car note. I have now been paying on this car more than 5 years, however, in the past year and actually also at the end of the 4th year, I have been more than 30 days late and missed payments which never would have happened if I had been charged a more fair high interest rate because the car would have been paid for last year or the year before. During the 6 years of this car note, I have about 9 months remaining, I have developed XXXX XXXX, had a XXXX, been terminated from my job at XXXX XXXX XXXX and live only on social security. Consequently my income has dropped dramatically. I am 3 months behind with my car note. This car is less than a year from being paid for. It 's not fair I am in threat of losing this car at this point when one considers how much money I have paid Capital One for this {$19000.00} car at the rate of {$530.00} per month for more than 60 months plus late fees - over {$35000.00}! An attorney told me my income is insufficient to file chapter XXXX bankruptcy to keep the car and if I file chapter XXXX, I 'll lose the car anyway. Capital One has statement on the monthly statement that My last payment is due XXXX/XXXX/2016, the original last payment date, and the balance will be due immediately in full. I wo n't have it or I would n't be behind now. Capital One is just using this hard nose way to get all the money they loaned, 16 % interest, all the late fees which total nearly double to cost of the car and still they 'll steal the car from me on or about XXXX/XXXX/2016. I need help. The law should n't support their behavior. Does USUARY apply here or some other law?
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09/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase XX/XX/XXXX, returned item scanned by carrier with tracking XX/XX/XXXX. This is verified on vendor website and is shown received XX/XX/XXXX. Vendor notes receipt to warehouse on XX/XX/XXXX and I confirmed with vendor via recorded call. The bank claims that the vendor is saying they did not receive goods, although I provided 12 screenshots from vendor website which track progress of item being received, scanned, classified as returned and " refunded '', emails from the vendor acknowledging receipt of goods, and vendor noting on the website that a " refund '' has been made. Vendor says I must get refund from bank. I have spent hours on the phone. I sent 12 screenshots to the bank via the link with case number that the bank sent me, documentation via regular mail back to bank that they sent me, and the bank is now saying that the case number that they sent me won't work and I have to repeat the process after hours and hours of recorded calls with them. I have spent hours on the phone with vendor and have dozens of emails, despite tracking and website screenshots showing the return. Please see chronology of events below.
*First Capital One made an error on XX/XX/XXXX ( reference letter ) charging me back {$490.00}, for the entire order amount. I did not return the entire order. Instead, the matter in dispute was {$350.00}. Why Capital One charged me back {$490.00} remains a mystery.
XXXX made a purchase with a vendor and returned an item valued at {$350.00} on XX/XX/XXXX. It was scanned in by the carrier and acknowledged on the vendor website.
*The vendor has a " Refund at first scan '' policy which I was expecting to avail myself of.
XXXX watched for the refund and after several weeks still didn't ' have it. I tracked the progress, noting that the vendor had scanned the item in, and received emails from XXXX customer service confirming.
*After nearly 4 weeks without a refund, I called Capital One to ask for assistance. The agent credited me back the subtotal, on XX/XX/XXXX ( {$320.00} ), and I called back on XX/XX/XXXX to ask for the remaining amount of purchase ( {$31.00} ) for the total return amount of {$350.00} *The vendor acknowledges return and credited me, but just for the tax (??? ) *Capital One charged me back for the subtotal and the tax ****I called Capital One and the agent told me that XXXX said they had NOT received the item ****I called XXXX and they said I had to speak to my credit card to wait for credit ****I have more than a dozen screenshots and additional emails proving that I sent the item back, tracking number proving that the vendor received the item, emails that substantiate that the vendor received the item ; all of which I provided to Capital One when I was sent a link from your customer service on XX/XX/XXXX.
*When I called back today after nothing that I wasn't credited after sending significant proof of return, I was forced to spend nearly an hour and a half repeating my situation and told by XXXX XXXX XXXX and XXXX that my case ending XXXX was void. The paperwork I sent via mail, and via email link could not be used! I would have to resubmit all documentation under case XXXX, a case number I had never heard of, nor gotten requests to address.
This is egregious. I have significant proof which I can provide.
|
11/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/21 I bought a XXXX XXXX XXXX online for {$1200.00}. As a precaution, I made this purchase with my virtual card number, which is offered by my Capital One XXXX XXXX Credit Card ENO service. Days after I fell sick and unable to start nor complete the course in the near future. On XX/XX/21 I called and emailed the merchant to resolve the charge by requesting refund due to the fact of my sickness. I recalled vaguely the product 's merchant offered a 60-days-money-back guarantee. I could not recall where it was written, clearly not in the immediate sight at checkout. I have all the documentation in copy. The merchant denied refund alleging that I did not qualify for 60-days-money-back guarantee because I must have " completed '' the course and " reported '' the full completion materials to their " renewal '' team to approve, and first upon their approval I might have qualified for their 60-days-money-back guarantee. I insisted it was a case of sickeness and I was unable to complete the course. The merchant remained on refusing me the refund. I documented all the contact made first with the merchant to resolve the charge in my card, then I disputed the charge by my credit card company. My credit card company initially charged back ( XX/XX/21 ), and remained to resolve, " investigate '' and ask later for documentation. On XX/XX/21, my credit card company charged me back for the {$1200.00} without notifying me, and first on XX/XX/21, I realized they had charged me back the amount. I called them the same day at XXXX XXXX. I was asked to upload documents to their secure portal supporting my dispute, and they would decide on it. I uploaded six documents as requested/ required, and I saved the upload receipt showing list of the documents I uploaded, including date and time. Until XX/XX/21 I did not hear anything back from my credit card company, and again no any notifications. I called them same day at XXXX XXXX XXXX, and I was dragged left and right with non-sense for XXXX minutes and XXXX seconds. The first agent on the line allegdly could not see any documents I had uploaded. I got upset. The situation was escalated to supervisor, and supervisor ultimately " found '' my uploaded documents, like in a mockery act, however, the supervisor allegedly read the 60-days-money-back guarantee, which I highlighted under # 7 Refunds in the terms of use document I had previously uploaded to their portal under my case number, and the supervisor going back to me after a long hold " accused '' me of " signing '' it. I actually selected the box for Terms and Condition in the purchase checkout, and I opened the link, but did not go further down to the # 7Refunds, where the 60-days-money-back guarantee was hidden between paragraphs. The supervisor concluded I was at fault and closed my dispute case, practically denying me any rights of review. Though, they are eager to cash the added interest to the disputed charge, if I do not pay my card balance in full by the due date by XX/XX/21. I am now out of {$1200.00} by a XXXX XXXX XXXX scam, being charged interest on top of this scam by my credit card company, and I might need legal assistance to resolve the whole mess, because I am at barely minimum, on the verge of a financial collapse, and sick with it all. Please, help. Thank you.
|
08/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX # XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
06/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
I have been a Capital One customer for many years. Earlier this year ( XXXX ) I received an advertisement for the Capital One Savor One Card to my personal address with my name on it. On the card, it advertised a spend bonus where, if you charged > {$500.00} to the card in the first 3 months, you would receive a cash back bonus of {$150.00}. Seeing this as a good incentive to open a new credit card ( which I had been searching for ), I went online to Capital One 's website and signed up for the card and was instantly approved. The next month, I paid off a balance of > {$500.00} and awaited the spend bonus to show up in my account. It did not.
The first time I called Capital One and told them my situation, I was told by a gentleman on the phone that the spend bonus should show up in my account within 2-3 days after the balance was paid off, even though had already been about 2 weeks since I did that. He transferred me to a 'rewards specialist '. The 'specialists ' gave me 4 reasons as to why I was not eligible for the rewards : 1 ) I did not apply for the credit card within the time frame the spend bonus was being offered. When I told him that was not true because I received the ad via mail and that it was still being advertised currently, he gave me another reason. 2 ) I applied for the credit card through a 3rd party website and therefore I was not eligible for the spend bonus. This is not true because I signed up via Capital One 's website as directed by the direct mail I received. 3 ) I was also told that the specific code that came with the mail advertisement did not include the spend bonus. This could not be true because even when going through the application online the bonus was still being advertised to me. ( bait and switch ) 4 ) The final reason they gave as to why I was not eligible was because of some vague wording in fine print stating that previous or existing account holders may not be eligible. I have never held a Savor One account, and, although I was a previous Capital One Customer, it did not say the offer, which I personally received from them, was not available to existing Capital One Customers. That fine print is to prevent people from repeatedly applying for multiple Savor One accounts and taking advantage of the same bonus multiple times. From what I experienced, it seems like they can arbitrarily decide who is ineligible, which is dangerous and potentially fraudulent. I was told that there are many factors that could lead to me being ineligible, but when I asked what those factors were that made me ineligible, no one would tell me.
As a consumer I feel I have fallen victim to a bait-and-switch maneuver. I was sent a personalized advertisement by a company and was allowed to go through the entire application process under the full impression that I would be eligible for this bonus. Otherwise, I would not have applied for the card. Capital One has relied on their own vague wording in their contract to arbitrarily deny people from the spend bonus for any 'reason ' and this seems very wrong to me and I feel taken advantage of as a consumer.
They knowingly offered me something I was not eligible for and did not inform me at any step in the process of my 'ineligibility ' and threw multiple reasons that they felt could fit my situation.
|
04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
In XX/XX/2023 and once before, I filed a complaint with Capital One regarding their policy on graduating my secured credit card with them to an unsecured credit card with them. I alleged violations of the Fair Credit Reporting Act and other banking laws, including violations of UDAAP and falsified marketing. Each time Capital One denies my request to convert my secured credit card to an unsecured credit card, they are denying me credit but not providing me the reasons for denying me credit and taking adverse action against my account, as is required by law. On XX/XX/2023, I received a call at XXXX XXXX from XXXX at Capital One ( Capital One employee ID # XXXX ), who identified herself as an employee of Capital One and immediately, without further introduction or verification, rudely told me there was a " problem '' with my Capital One credit cards, that they were restricted for fraud, and that I was required to send in my driver license, Social Security Card and proof of residency. XXXX was so rude, so short and shockingly bold about asking me for this highly sensitive and confidential information that I was caught off-guard by her call. I told XXXX I would back myself to verify the legitimacy of her call. She continued to be rude and said " Fine by me. Your accounts will still be restricted, ' in a mocking way. I called back Capital One and did verify that all three of my accounts were, in fact, restricted due to " fraud, '' by no one was able to tell me what that fraud was or the exact nature of what had occurred to restrict my accounts and require me to send in all those highly confidential and sensitive documents with private information on them. The employee whom I spoke with, XXXX ( Capital One employee ID # XXXX ) was incredibly unhelpful, rude and refused to tell me why my accounts had been restricted -- but he continued to press me to send in my driver license, Social Security card and bank statement with my full bank account number listed on it. After having enough of XXXX 's rudeness and demands for my personal and confidential information, I spoke to a supervisor named XXXX ( Capital One employee ID # XXXX ), who was exceptionally helpful and took immediate ownership of the issue. She successfully verified all my information that Capital One required. I will also note that when all these accounts were opened, especially account ending in XXXX, all my personal and confidential documentation were sent to Capital One. This makes it suspicious and concerning that Capital One is continuing to ask for highly sensitive documents and information, which has the potential to be misused by them and their employees. I also believe that there is no reason that Capital One should refuse to tell me that they took adverse action against me and not give me the reason they took that adverse action. This continues to be a pattern with Capital One -- they take adverse credit action against me and then refuse to give the reason for the adverse action, which by law they are required to give me. Finally, I believe that Capital One intentionally took retaliatory and discriminatory action against me after I alleged other violations of law by Capital One, as referenced in my XX/XX/2023 complaint to them and other complaints, one of which was filed with the CFPB and OCC.
|
10/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
I, XXXX XXXX XXXX, am a federally protected private consumer pursuant to 15 USC 1692a ( 3 ) and CAPITAL ONE BANK USA is a debt collector pursuant to 15 USC 1692a ( 6 ). In accordance with the Fair Debt Collection Practices Act under title 15, subchapter 1692g ( c ) it states that The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer, so unless the plaintiff can provide evidence contrary to the fact, I move that the case in reference be dismissed immediately.
Furthermore ; title 15 USC 1692i ( b ) states that nothing in this subchapter 1692 shall be construed to authorize the bringing of legal actions by debt collectors, so unless the plaintiff can show valid proof of cause otherwise, I, by the record, for the record, let the record reflect, move that the case in reference be immediately dismissed for failure to provide lawful cause of action.
Objections : The alleged plaintiff states that she is an attorney and pursuant to 15 USC 1692e ( 3 ) states that the false representation or implication that any individual is an attorney or that any communication is from an attorney is an action of fraud. For this reason, I demand an immediate dismissal of this case.I affirm my rights have been violated by Judge XXXX XXXX XXXX, by saying the above laws are not pertinent in this case in accordance with Title 15, USC 1825 ( B ) Any person who knowingly makes, or causes to be made, a false entry or statement in any report required under this chapter ; who knowingly makes, or causes to be made, any false entry in any account, record, or memorandum required to be established and maintained by any person or in any notification or other information required to be submitted to theSecretaryundersection 1823 of this title ; who knowingly neglects or fails to make or cause to be made, full, true, and correct entries in such accounts, records, memoranda, notification, or other materials ; who knowingly removes any such documentary evidence out of the jurisdiction of the UnitedStates ; who knowingly mutilates, alters, or by any other means falsifies any such documentary evidence ; or who knowingly refuses to submit any such documentary evidence to theSecretaryfor inspection and copying shall be guilty of an offense against the UnitedStates, and upon conviction thereof shall be fined not more than {$5000.00}, or imprisoned for not more than three years, or both.
I am asserting my rights under Title 15 USC 1825 B ( 2 ) Any person against whom a violation is found and a civil penalty assessed under paragraph ( 1 ) of this subsection may obtain review in the court of appeals of the UnitedStatesfor the circuit in which such person resides or has his place of business or in the UnitedStatesCourt of Appeals for the District of XXXX XXXX by filing a notice of appeal in such court within 30 days from the date of such order and by simultaneously sending a copy of such notice by certified mail to theSecretary. TheSecretaryshall promptly file in such court a certified copy of the record upon which such violation was found and such penalty assessed, as provided insection 2112 of title 28. The findings of theSecretaryshall be set aside if found to be unsupported by substantial evidence.
|
09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Kohls/Capital One is refusing to remove a 30-day late payment from my credit reports due to a system issue on their side that cancelled the AutoPay for my account WITHOUT my consent. AFTER the pending balance was paid in full, Kohl 's reported the late payment for XX/XX/XXXX to all 3 credit bureaus. I have been a Kohls credit card account holder since XX/XX/XXXX and my account has always been in excellent standing. In XX/XX/XXXX, I reluctantly answered a call on my cell phone from an Unknown caller. I was shocked to find out that it was Kohls Collections Department trying to collect an overdue payment. At first, I thought it was a scam/fraudulent call because it came from an Unknown caller and I knew there was no way I could have a late payment, as I have Autopay enabled for all my accounts. However, when I logged into my account online, I saw that my account was Past Due. I was certain this was due to a system error, but nonetheless, I immediately paid the past due balance of {$110.00}. After settling my account, I spoke with a Customer Service Manager named XX/XX/XXXX ( ID # XXXX ) wanting to know how this happened because my account was set up for Autopay. I was advised that my Autopay was automatically cancelled when my account was previously paid off and had a {$0.00} balance. I was extremely upset that my Autopay was cancelled without my consent and that Kohls made no attempts ( other than calling from Unknown numbers ) to alert me of this situation so that it could be resolved sooner. There were no voicemails left from the Unknown callers, no emails sent, no letters mailed. I receive sales flyers and other mail from Kohls all the time. It is inconceivable that Kohls made no serious attempts to contact me for such an important matter that would negative impact my financial history for 7 years!
I have made numerous attempts to resolve this matter directly with Kohl 's, but they refuse to remove this 30-day late payment from my credit reports, even though by the admission of their own Customer Service Manager ( XX/XX/XXXX ID # XXXX ) with me on XX/XX/XXXX, my Autopay was cancelled by their system without my consent when I previously paid my account in full. I have written 3 separate emails to the Director of Customer Service and Active Customer Engagement ( XXXX XXXX ), Senior Executive Vice President, Chief Marketing Officer ( XXXX XXXX ), President ( XXXX XXXX ), CEO ( XXXX XXXX ) and Executive from the President 's Office ( XXXX XXXX ). I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX EST and she advised me that the 30-day late payment would not be removed from my credit reports. I have requested that they provide documentation to prove that the late payment was my fault, but they are unable/unwilling to furnish the documentation or the recording of my call with their Customer Service Manager ( XX/XX/XXXX, ID # XXXX on XX/XX/XXXX ) stating that my AutoPay was cancelled by their system and without my consent, unless I retain a lawyer and they receive a subpoena. This inaccurate late payment is unfairly costing me thousands of dollars and they refuse to accept the fact that this late payment was solely their fault and they refuse to remove this inaccurate information from my credit report. I humbly request your assistance in resolving this matter.
|
02/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
I recently disputed the accounts listed in my credit file and they insist on replying verified to the following accounts which have been charged off and sold to collection agencies.
XXXX Acc # XXXX has been sold to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XXXX Acc # XXXX has been sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : " CONTRACT WAS CANCELLED '' COMMENTS : NO CONTRACT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do n't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but you 've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
I want this debt deleted frommy credit file.
|
08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. ' With that being said, I am the Consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of each customer, given them the assurance of knowing that their personal information is securely protected and confidential concealed. It is my right to make sure that my private information has not been exposed and I am sure that 15 USC 6801 is backing me when it comes to making sure my personal is not vulnerable to the public. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. ( Furnisher of information to credit agencies ) 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), an consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencie XXXX and XXXX do not have my consent to furnish this information and they surey do have my consent in writing. ( Furnisher of information to credit agencies ) Any and all consent to XXXX, XXXX ( Furnisher of Information to credit agencies ) whether it be verbal, no-verbal, written or otherwise is to be revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public information to a non-affiliated third party unless the consumer has provided an explanation of how the consumer can exercise the non-disclosure option. '' ( Furnisher of information to credit agencies ) has never informed me in regard to my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the reords of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reported again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures that are designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 'XXXX XXXX and XXXX are not maintaining reasonable procedures. Per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' The credit reports, XXXX and XXXX, have the incorrect name. It is questioned whose information is reported on my report?
|
02/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I applied for a Capital One XXXX Business card around the middle of XX/XX/2020. On XX/XX/2020 a representative from Capital One called me to verify some information. During that call I had many questions about the account, most centered around how the account would be reported. I spoke with a man, I regret that I did not make note of his name. He advised me that the account would report to the business credit reports, I recall him saying XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX ( XXXX ).
Recently, I received a notification from XXXX XXXX that a new account was opened in my name. Upon reviewing my credit reports at all three credit bureaus, I realized the new account reporting was the Capital One XXXX Business account that was opened on XX/XX/2020. I immediately contacted Capital One and the first individual I spoke with said that Capital One was required by law to report the account on my personal credit report. When I asked what law this was because I have another business card with XXXX XXXX and also one through my employer and neither report to my personal account, the individual said the law applied only to Capital One. Again, I asked that person to provide me the name of this law because any law that applies to banking is most likely a federal law and it would not apply to just one organization. That person was not able to provide me with the name of the law. I asked to speak with a supervisor and instead of connecting me with the supervisor, that person transferred me back into the call queue and I had to begin the process all over again.
The second person I spoke with more or less read from the same script as did the other person I had previously spoken with. He was not able to provide me with the name of the law but said each law applied differently to banking organizations but he was sure that this unnamed law required Capital One to report to my personal credit report. When I advised him that this was not what I was told on XX/XX/XXXX and that the person I spoke with prior to opening the account advised me the account would only report to the business account, he said " well all I can do is close the account, I have no other way of helping you. '' That seemed fairly ridiculous that at this point the only remedy you have is to close the account instead of holding your employee accountable to what I was advised. At any rate, I again asked to speak with a supervisor and this time I was connected to " XXXX. '' I am not sure this is the correct spelling of her name. If it is not, I apologize. It is never my intent to mess up someone's name.
I restated the situation to XXXX and she too said there was a law that required Capital One to report to my personal credit report. When I again advised her that this is not the case with two other cards that I hold. She said it was the Fair Credit Reporting Act. Upon search of that act while on the phone with her, I was not able to find any line that states Capital One must report business credit accounts to an individual 's personal credit report. I was not able to find any line that even includes the words " Capital One. '' It appears I was given some incorrect information. I asked to speak to a supervisor and as usual, I was told there was nobody higher than XXXX XXXXhat I could speak with.
|
01/02/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
Since XXXX XXXX, 2015 Capital One has done everything but help me, a victim of fraud by keeping me on hold for more than 20 minutes at a time. I 've had to talk to an average of XXXX people every time I call, waste 2 - 1/2 hours, talk in circles and ca n't even talk to someone who speaks XXXX. They refuse to help me get my credit card account back in order and expect me to pay for charges that are n't mine. I 've had rude representatives accuse me of having a husband and allowing him to use the card, having a drug addict for a family member steal it, been accused of losing the XXXX credit card when I was HOLDING THE CARD IN MY HAND, and ca n't even verify who I am with the company. They are making outrageous demands and refused to acknowledge that someone has hacked my account. The representatives demanded I send them my driver 's license, bank account information and statements, social security card without giving me any alternatives at all. I do NOT live in a XXXX area and need a driver 's license to legally drive. They refuse to help me at all and hang up after keeping me on hold for 20 - 30 minutes and my next stop will be to XXXX places since I ca n't continue to take this kind of abuse. 1. I will take the recorded conversations from the racist and sexist reps and upload them to an account and link it to show people the extreme bias and victim blame this company practices with impunity. I have NEVER had a late payment and for someone to get into my account, change ALL of my contact information, have Capital One send them MY INFORMATION and a replacement card is outrageous. I have been a model customer and now they 're claiming I owe them money when I 've paid off my card. I even have a rewards balance of {$77.00} and they will NOT even acknowledge the fact they failed to pick up on any fraud. I have had at least XXXX charges after they lied about locking/restricting the account and will not pay them since I have NOT used the credit card in question. ALL charges that I had made have been paid off. 2. I will have no choice but to contract a law firm, most likely the XXXX to advocate on my behalf for the minimum of a breach in contract against Capital One and for damages to my credit score, mental, emotional and psychological health. This means any absurd claim they have ( as I have already consulted a lawyer ) stating I " ca n't sue via class action or other '' means it is null and void since Capital One has breached their own contract agreement. Since I have wasted an absurd amount of time documenting this fraud, filing a complaint with the local sheriff 's department, followed up with law enforcement, gone through all of my information, filed with the appropriate departments and government entities, there is no reason at all for Capital One to treat me like a criminal. No one has bothered to call me at all with the number I left every single representative. As a victim I have performed every single due diligence and there is no excuse for this. I do have rights and if I have to exercise them I will do so as a victim of fraud and a U.S. citizen in the court of law in order to protect myself from Capital One. I have not received any response and will take any lack of further action as acknowledgement of aiding fraud by criminals through Capital One.
|
10/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
I am writing to you out of desperation as I have spent the past 24-hours trying to resolve a serious issue with my accounts at Capital One and our new home closing. My family and I have been relocated to the PA area by XXXX XXXX XXXX from XXXX, where we have lived for the past 3 years ( we are originally from XXXX. ) We have agreed to purchase a new home here in XXXX, PA and I dutifully set-up my new US banking with Capital One after readying glowing customer reviews online. My first experience with your bank was seamless, I was able to set-up my checking and savings accounts easily ( XX/XX/XXXX ) and arranged to wire the $ XXXX USD ( sent on XX/XX/XXXX and XXXX ) required to by my lender here in the US for closing.
This is when things took a turn for the worse. In anticipation of todays closing, I called customer service at your bank last week ( XX/XX/XXXX ) to confirm that I would in fact be able to process a wire transfer to the title company ahead of closing. No problem XXXX XXXX I was told, just give us a call and we can help you out. So, last night ( XX/XX/XXXX ) as instructed, I called to execute the wire transfer only to be told that no, I would not be able to send said wire as the account was less than 60 days old. But, you can drive 1 hour out of your way XXXX XXXX to our branch in XXXX, NJ and they will be able to issue you a cashiers check. Ok, I asked again to re-confirm and was told unequivocally that I would have no problems getting the check.
So today ( XX/XX/XXXX ) we hopped in the car, drove to XXXX and arrived at the branch to collect the cashiers check, only to be told that, no, they were in fact unable to authorize a check because my mobile phone doesnt match some mysterious registry in your system. My phone is in my name, with my billing address, but provided to me through XXXX XXXX XXXX. I spent over 6 hours in the XXXX branch, trying to reason with the branch manager, calling your customer support lines, speaking with anyone I could. All I got were redirects, non-answers and no clear help. I did get my identity verified through my passport, my SSN, my license, my physical presence in the branch, a text message to the very mobile phone they said they could not send a OTP to but none of this helped resolve the problem.
So we have now missed our home closing and have no clear path to resolving this problem. We managed to get an extension on closing until this Friday ( XX/XX/XXXX ), but all the bank employees would tell me is maybe your phone problem will fix itself by tomorrow or why dont you wait until mid-XXXX when you pass the 45 day mark on your account. Clearly neither of these answers are sufficient or even logical. I can not fathom how an organization that was happy to take my $ XXXX, open up my accounts, approve me for a credit card ( albeit for a ridiculous {$300.00} limit.. but that is a whole other complaint, ) have me physically present with all my government identification and yet still be incapable of finding a solution to this problem.
I really hope you are able to intervene, or at the very least connect me to someone who can assist us with this matter. I find it inconceivable that I am unable to access my own money and that is being held hostage by your institution. Completely inexcusable and unacceptable.
|
04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
11/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
I purchased a set of adjustable-weight dumbbells online on XX/XX/2020 for {$89.00} using my XXXX card. After 5 weeks without receiving the goods I attempted to contact the merchant ( showed as *XXXX on my statement ) but had no luck. I then disputed the charge with CapOne. It is worth noting the marketing was through Instagram ( I've since learned many of those ads are bad merchants ).
The dispute process took its normal course of action, I received provisional credit and CapOne investigated. The merchant then gave CapOne a tracking # showing that the item was delivered so CapOne then asked for my rebuttal. I plugged in the tracking # and found that it tied back to a 1 '' by 2 '' travel manicure kit that I randomly received. What I then found out was that the merchant would ship a low cost, lightweight item to get around the dispute processes. Luckily I had taken pictures of this item so I provided everything back to CapOne for a rebuttal.
At this point, CapOne credited me back again and began further investigations. After 60 days I then was told the case was closed via phone when I followed up. A week later I then saw another charge to my XXXX card for {$89.00} adjusting the charge back in the favor of the merchant. When I called CapOne back, they said I never provided additional paperwork to prove my rebuttal. I was not aware more was needed ( never received anything in the mail and didn't see they added a letter in my online banking message platform ) but the kicker is when they told me what was needed, I was apparently supposed to go have a third party " weight/dumbbell '' seller create and sign a written statement saying that a manicure set wasn't a sufficient product to be considered a " dumbbell '.
At this point, I asked to escalate the issue up and I made a complaint about what was being asked and the timeline they had me on. This process started on XX/XX/2020 and continued back and forth 5 times until XX/XX/2020. I filed my complaint with the Bank in late XXXX ... never heard back.
Today, after attempting 3 more times to follow up on my complaint, I have found out that CapOne never documented the complaint and told me I have no rights because the dispute is now out of time. It is ridiculous that a consumer is asked to jump through hoop after hoop to resolve a charge made by a fraudulent merchant. I was more than willing to adhere to the dispute requests until they asked me to have a 3rd party make and sign a written statement on something so egregious.
To top this off, I actually work in the industry and manage enterprise fraud for a large regional financial institution. Fraud is near and dear to my heart and it is even more frustrating seeing what consumers must go through just to get made whole from a fraudulent merchant. I can't imagine how many people were effected negatively by this merchant, among others doing the same type of fraud taking money from folks and never sending the goods. And since the merchants know the dispute timelines and rights, they abuse that because they know most everyday people won't pursue to the point I am.
I appreciate your consideration and I'm happy to help in any capacity I can. At this time, I simply want my funds returned and for merchants like this one to be held more accountable, if possible.
|
05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
In XX/XX/XXXX I received new copies of my credit reports ( including but limited to XXXX, XXXX, and XXXX ). I noticed that I had a CAPITAL ONE account on my file that each credit bureau has under my social security number. This account is not mine so I sent in a dispute letter to the address CAPITAL ONE had on file, to challenge this account.
I mailed the letter on XX/XX/XXXX disputing the claim, stating : " '' '' '' This letter is regarding account # XXXX, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' '' '' '' ( THIS LETTER IS ENCLOSED ) I received a letter back on XX/XX/XXXX from CAPITAL ONE stating that they updated the account status and to wait 60 days for the credit bureaus to have it adjusted.
Again I challenged the accuracy of this account because it is not mine and send in another letter on XX/XX/XXXX. ( THIS LETTER IS ENCLOSED ) On XX/XX/XXXX I received another letter back from CAPITAL ONE stating that the account balance was at {$210.00} and now at {$0.00}.
This still has not addressed the fact that this is not my account, so on XX/XX/XXXX I sent a letter in to the credit bureaus challenging the reporting and compliance on an account with CAPITAL ONE BANK USA that is being reported on my credit report with incorrect/missing info. More specifically, I am referenced the fact that they are reporting an incorrect account number, and that their improper procedures are highly damaging to my credit score. And to please immediately delete this item. ( THIS LETTER IS ENCLOSED ) The account number on my credit report is X 'd out and there is no way for me to verify what is being sent to me from CAPITAL ONE in their letters, is the same number on my credit file.
|
11/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
We are account holders with Capital One 360. Specifically, we hold a Checking Account with a MasterCard Debit Card # XXXX XXXX XXXX XXXX. We have been a loyal customer since XX/XX/XXXX, back when this account was part ofXX/XX/XXXX XXXX. Until recent events, we have been highly satisfied with the quality of service provided by Capital One in resolving issues that we have had regarding our account. Unfortunately, a recent issue has occurred that, as of the date on this letter, has remained unresolved. We have contacted Capital Ones customer service department numerous times for a resolution to no avail.
Specifically, I am referring to the following two cases : XXXX - {$8.00} Dispute was filed after I returned an XXXX XXXX order that was defective. The marketplace seller fraudulently claimed he never received the return, and refused to issue a refund. The case was denied on XX/XX/XXXX because the charge was valid.
XXXX - {$38.00} ( incorrectly disputed for {$71.00} ) My wife attempted to return several items to a Wal-Mart store, who falsely claimed that they were no longer accepting returns due to COVID-19. We confirmed with Wal-Marts corporate office that this was in violation of their corporate policy. The case was denied on XX/XX/XXXX because the charge was valid, and a subsequent appeal was denied on XX/XX/XXXX because there were no errors in the amount charged.
The problem with the aforementioned cases should be clear. There is no nexus between the denial reasons, and the reason ( s ) the cases were filed. It was never my contention that the charges were fraudulent or overbilled. I believe I was very clear about that when I filed the disputes.
On XX/XX/XXXX, I received a follow-up email from Capital One, which stated that Case XXXX was denied because they " never received supporting documentation ''. It was sent MULTIPLE TIMES. Capital One had not informed me that they failed to receive my documentation ( this was the first I heard of it ). I am enclosing proof of my submission to Capital One via email on XXXX. I also sent a copy by fax and regular mail. I was also informed that they denied Case XXXX because they " Could not verify Wal-Mart 's return policy ''. This denial reason indicates a clear lack of understanding of a dispute. The burden of proof to show the validity of the charge is on the Merchant, not the account holder ( me ), nor the financial institution.
I am enclosing copies of the documentation I have available of the aforementioned cases. The cases are valid and ought to proceed.
Going forward, after this and a slew of other issues we've recently had with the bank, I am considering closing my Capital One account and ceasing business with them. A quick internet search revealed a large number of similar complaints against Capital One. The quality of service they have provided in recent years has declined significantly, and they are treating their customers very poorly. I would also ask that the CFPB consider investigating the way Capital One 's disputes department is handling cases like these. While my reasoning for initiating the disputes was perfectly clear, the person ( s ) reviewing the disputes did not seem to understand them, or chose not to review my dispute and simply deny it for an irrelevant or improper reason.
|
05/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
Capital One has committed illegal extortion against myself as a United States Citizen and victim of Identity Theft. I am being FORCED TO PAY all {$710.00} ( Due XX/XX/XXXX ) of the CONFIRMED FRAUDULENT CHARGES of Capital One Mastercard Account # XXXX XXXX XXXX XXXX despite the Mastercard Zero Liability Protection that I am entitled to by law with all requirements being met and fulfilled under the Mastercard Liability Protection Policy.
I moved in XXXX of XXXX and noticed my credit card missing after I settled in later in the month and called Capital One to report my missing card which had no previous balance on it. I was unaware of it but soon learned after calling Capital Ones Customer Service line at ( XXXX ) XXXX-XXXX that all phone operations were being handled in the country of XXXX with poorly trained employees that could speak and comprehend very little English ( if any ) to save the bank ( which has NO physical branches in the United States of America despite contrary claims otherwise in U.S. national television advertisements Capital One Cafes ) from paying higher wages to U.S. workers and to avoid U.S. taxes on employees. After speaking to a XXXX Resident and trying to tell them what happened, they sounded very confused and had to look up my English words to interpret what I said. The only coherent words that I could understand is, Card on its way. You understand? My mail was forwarded by the United States Postal Service for three months as per their policy. I later got a forwarded DUPLICATE card in the mail with the SAME ACCOUNT NUMBER. The XXXX employee didnt even close the account to prevent theft or update my address as requested. I called to complain again in XXXX after receiving my forwarded statement that had {$710.00} ( Due XX/XX/XXXX ) of UNAUTHORIZED CHARGES on it. The XXXX employee was fast to interrupt me and say Those charges made with card in hand. Not fraud.!! I called again and asked to speak to an American and they DENIED my request. I looked up how to say I need a new card in XXXX and they hung up on me. Later, a new card was forwarded to me by the United States Postal Service with a new account number and I received a forwarded letter stating that I was responsible for ALL UNAUTHORIZED CHARGES of {$710.00} ( Due XX/XX/XXXX ).
Since then I have made numerous attempts to change my address by calling other corporate Capital One phone numbers and finally being granted brief access to an American Employee in XXXX, Virginia. To this day, I still dont know if my address has been updated or my phone number. I have been laughed at repeatedly and lied to at least half a dozen times that someone would CALL me and they never do not even when I tell them to call me on my new number. Capital One has also DENIED my request to close this account so I may pursue the banks criminal actions legally.
I have filed a Consumer Identity Theft Report with the Federal Trade Commission but Capital One REFUSES to take it and does not recognize a police report in its investigations. I reached out to Mastercard International and filed a formal complaint against Capital One. I also filed a complaint with the XXXX XXXX XXXX XXXX, the Attorney Generals Office, and contacted XXXX XXXX ( Senior Investigative Reporter for XXXX XXXX XXXX/XXXX-XXXX ).
|
11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
I contacted Capitol One concerning two ( 2 ) credit cards concerning setting up a payment arrangement due to financial hardship at the time. I had never missed a payment on the two subject cards as well as any other credit card that I have.
XX/XX/2023 I received verbal confirmation from a Capitol One employee that both credit cards would be placed on some kind of 60 days payment hold approval- essentially stating that I would not be penalized for not making the required minimum due payments for the two car balances. I asked for reassurance / proof of the arrangements that he just provided. This Capitol One employee stated verbatim that " per the Capitol One 's rules, this confirmation is not physically furnished, there is no such proof that will be emailed, nor mailed, but that the accounts in question themselves will be " noted '' with what was discussed and approved as an " approved payment arrangement deferment ''. I asked the question again, " will a minimum payment be due on this next billing statement, and the response was no. I asked could I make a payment if my financial situation changes during this payment deferment arrangement, and the Capitol One employee stated yes I could and that it will not trigger the arrangement to become null and void. I thanked him for his assistance and the call was ended.
60 days goes by and my personal finances improves gradually/. I commence with paying my monthly credit payment obligations.
During the month of XX/XX/2023 I suddenly receive alerts from XXXX XXXX that I have ( 2 ) two Capitol One credit card accounts reporting 60 and 30 day late payments. I immediately contact Capitol One for this error to be corrected and I was informed that verbal request are not allowed. That I must submit in writing a request to have this matter reviewed in order to be corrected.
I submitted the details of said conversation of I and Capitol One employee 's discussion and requested that Capitol One immediately rectify the error by changing the publicly posted late payments from all credit reporting agencies to paid as agreed, per the approved verbal arrangement.
I received a letter within 30 days stating that the reported information is factual and that no record of " verbal '' deferment could be verified. I immediately contacted Capitol One via phone to again discuss this matter. I intentionally mentioned that every time there is a call to Capitol One, the employee and/or an automated voice states, " This call is being recorded quality assurance and training purposes '' but now there is no recording of this conversation made between I and an employee of there's about a verbal payment deferment plan ''.
I asked if there is such a thing as a request for payment deferment arrangement currently with Capitol One. That employee answered yes. Then I questioned how would I be provided proof of the arrangement, and that employee stated that the account would be noted and placed on this arrangement in their company system and that would be the totality of it all. I agreed that this is exactly what I was told by the Capitol One employee back in XX/XX/2023.
This matter has cost me higher interest and non-approval for credit access.
I would like this matter investigated to the fullest extent of the FCRA and corrected.
|
12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
I noticed a {$210.00} ( XX/XX/2023 ) charge on my Capital One card from a Credit counseling company that I spoke to on the phone and that never sent me a contract ( or anything ). The company told me that once we entered into a contract that they would charge me {$190.00} at the end of 6 months and after they had achieved raising my credit score to XXXX. I gave them all my information so that they could write the contract but never got a contract or any other contact from them. When I tried to call them several times they just didn't answer the phone and never returned my calls. Then Capital One allowed them to charge my card another {$210.00}. I called them before it had posted to my account and they said that I had to wait for it to be posted before I could dispute it. Capital One initially took the charges off ( after I called back and disputed the charges the second time ). Then Capital one said the company sent them a signed contract for some subscription and they shared that fax with me which is unreadable because of the quality of the fax. What I could see on the fax that XXXX XXXX sent was that they had an address for me that I have never had and it was even in another state then the one I'm living at and the one I called them from. They also had Comic sans font typed my name on the signature line. Capital one then reapplied the charges to my bill and emailed me a letter saying that if I wanted to pursue the dispute that I would have to send them a letter and provide them with documentation of my business with this merchant. I sent two certified letters to Capital One with the laws governing credit repair counseling and pointed out the blatant breaking of those laws and the obvious forgery and wrong address told capital one that even if they did charge me for fraudulent charges that the law states that they can only charge me {$50.00}. I got a letter back ( in my capital one app ) that said since I didn't provide documentation ( of which they know I have none ) that they could do nothing about the charges and they will stand. I then called capital one and asked to talk to a supervisor about my dispute. I was transferred to a guy who said that because I called them in the first place to discuss doing business with them and because I didn't have proof that I cancelled the subscription that I never asked for or even knew existed that they could do nothing about the charges and I would just have to pay them. I told him that this was illegal and that I would contact an attorney and he said basically " go ahead and hire an attorney ''. Then suddenly one of the charges were removed from the card and I called them and asked why one could be removed but the other charge couldn't when they were exactly the same. Capital one told me once again that it was impossible to remove the first {$210.00}... Then today there's a new letter that says that they are waiting response from the merchant and they credited back the other ( the first ) {$210.00}. So I'm still in limbo about if Capital One will return the charges to my account. Capital One per our agreement was supposed to be a limited liability company that would protect me from fraud but it seems that they are a partner with XXXX XXXX XXXX and are above the laws pertaining to credit card companies.
|
09/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
Beginning XX/XX/XXXX, a list of unauthorized transactions totaling {$9000.00} were charged and posted onto my statements without my consent nor my notification. When I called and addressed this alarming situation to Capital One, the representative apologized for the inconvenience and assured me I have nothing to worry about as Capital One stands firm for their {$0.00} Fraud Liability and that the transactions would be credited, without any doubt whatsoever, as the merchant also agreed to the fraudulent compromise leading to the closure of my account, on their behalf, for my security. I forwarded this important piece of documentation to Capital One, confirming the merchant 's acknowledgment.
I wanted to be rest assured so I insisted by asking the representative once more, as a guarantee, that these charges would for sure be reversed with my account restored correctly and the representative once more confirmed to me, without a single doubt, that they would as their records show no identity confirmation was authenticated online by the unknown entity when the transactions had posted. The representative also informed me to keep a close eye out for each of my future transactions as that my account may have been compromised in the XX/XX/XXXX cyber incident where over XXXX XXXX credit card holders were affected in this breach. This alarmed me further but my account was credited on XX/XX/XXXX for the amount of {$9000.00} after a thorough review and confirmation that the transactions were indeed fraudulent.
Fast forward to XX/XX/XXXX and I noticed that not only did the fraudulent transactions totaling {$9000.00} get re-posted onto my account, but that my Capital One account got closed due to a breach in terms having to do with my payments " bouncing '', which was absolutely false and never occurred in all my thorough research, and surpassing the given credit limit which was also false and incorrect because when the fraudulent transactions were credited, I was able to then make my authorized charges. After my authorized charges successfully posted, which occurred before XX/XX/XXXX, Capital One then re-posted the fraudulent transactions, after they had already confirmed, with a guarantee, that an unknown entity had compromised my card details online, on XX/XX/XXXX which was on top of my authorized transactions, therefore, surpassing my given {$10000.00} credit limit and giving the notion that my payments were " bouncing '' which was never supposed to happen in the first place as the unauthorized transactions were confirmed fraudulent already when the account was adjusted a month later from my initial call. This unforeseen occurrence gave Capital One the justification that I breached their terms, being incorrect and invalid, which then justified their decision of closing my account.
One disappointment leading to another, especially with the alarming possibility that my account may have been apart of the cyber breach, has left me frustrated and quite alarmed with constant anxiety about my security. I would never expect such a mistake on Capital One 's behalf as they were my most favorite credit card to work with and not a single doubt went through my mind about my security with them as my public profile picture is uploaded, to this date, onto my account.
|
05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
10/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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A month ago, it was determined that I would be traveling more at my job. We also chose that the best way to pay for expenditures was to use my personal card ( XXXX XXXX ) to take advantage of my travel benefits and later be reimbursed by my company. To aid in the booking, reconciling, and reimbursement, we added a few people as authorized users to my account that worked with me in various parts of the country. I was told that I was allowed to do this, and Customer Service also confirmed these people did not have to be living with me or related to me. Later, I have found this to not be the case ; adding people to my account caused my account to be shut down, and I am outraged.
My account was restricted, and I was asked to provide the social security card and drivers license of all the people that I added. I started sending photos of these documents as I received them from people ; they did not all come at the same time because these people are not all in one place. Before I could even collect all the documents, someone called me and told me my account was being closed. I called in to find out why, and I was accused of altering a document. I am completely disgusted by this ; what incentive do I have to waste time altering a document??? Then, I was told that Capital One needed me to send the originals and not photos of the documents. ARE YOU SERIOUS? I am supposed to ask my colleagues to send in their drivers license and social security card for something they didnt really asked to be sucked into? I asked that they just remove all the authorized users and forget it, but they then told me that they couldnt because there were fraudulent charges on the account that needed to be reviewed but they had to verify all identities before they could proceed. I forced the issue and made them admit to me that that was a lie, and they confirmed that they considered my adding an authorized user fraud. So, I was lied to by a service professional? And accused of fraudulent behavior? I can not believe that Capital One chooses to operate this way.
They finally told me to start over and that they would consider it if I was able to obtain all the documents. However, now my colleagues are uncomfortable providing the information, and I have been asked by my company not to ask them for any additional information. So, thank you Capital One for getting me into to trouble at work as well. So, I am now stuck with a restricted account and concerned colleagues due to something I was told by Capital One that I was allowed to do.
I am not just a credit card customer with 2 accounts ; I also have bank accounts, custodial accounts, an IRA, and an investment account with Capital One. I am not one of the wealthiest customers, but I do have enough money to cover my accounts. I have a very respectable credit profile, and at every other financial institution I am highly valued. I have kept my accounts in good standing since they were opened, and I can not for the life of me figure out why Capital One would treat me this way. AND, I ESPECIALLY do not like being accused of fraud.
Adding an authorized user has not in any way affected my ability to pay my account. And if there is something wrong with one of the people that I work with, Capital One should tell me so that I am aware.
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05/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am attempting to correct cascading errors on my credit report affecting multiple accounts and CONTINUING to negatively affect my score as a direct result. Here 's what is happening : My Granddad died XX/XX/XXXX. I moved shortly after that, but we had issues with USPS. The change of address did not correctly file, and/or the prior year 's forwarding expired ... I attempted to correct but there is no record of my attempts ( probably why they failed ) until my wife renewed efforts with case # XXXX when even her mail became affected. During this time I was not receiving ANY bills, reimbursement checks from my company, or replacement debit cards. XXXX XXXX swept through my state in XX/XX/XXXX causing widespread disaster and further hardship. I missed 1 payment at various months across a variety of creditors. My debit card expired in XX/XX/XXXX and payment to my auto loan was reversed. Poor customer service led to believing I was current, and then falling behind 1 additional payment as a result well before the account could be corrected. I have contacted all creditors explaining this situation. Several have credited back late fees and adjusted payment history to accurately reflect my usual status as a good customer. However, a few have not : XXXX themselves, XXXX, CaptialOne, XXXX. XXXX may or may not be included depending on which credit reporting bureau you look at. These are creditors who have usually refunded late fees, acknowledged the hardships experienced, but are refusing to correct the credit reporting aspect of the hardships experienced : and this is what I am trying to correct in order to purchase my Grandad 's home! As a direct result of payment history and reported delinquencies, all my efforts to correct the problem are being reversed by automated credit limit reviews. XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX ... Some are accounts which have granted refunds and adjustments which are then changing my account limit based on those events of XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX which they KNOW is incorrect information. My score is continuing to be decreased, and I have not been able to get any creditor to reverse the limit decreases thus far, for some reason. They blame the reporting agencies, the reporting bureaus claim they only report information from the creditors ... no one claims responsibility and no one is able to make changes. The reasons supplied for these changes include " serious delinquency '' ( I have had the same collection account for 2 years now, it was not a new change, so only XXXX 's 60day could be considered serious ), " number of accounts with delinquency '' ( which also indicates the new information of several single missed payments I'm attempting to correct/HAVE corrected across various creditors ), " time since delinquency is too recent/unknown '' ( again- the new information ). I am paying off creditcards ( XXXX and XXXX, among others ) and making ZERO headway. I have now paid the collection account with XXXX in an additional effort to remove the so-called delinquency because XXXX is unresponsive. All I am asking is to have consideration for a multitude of compounded hardships beyond my control to be relieved- because I have been unable to enact changes on my own fast enough to halt this avalanche of credit destruction.
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03/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
Complaint against Capital One, XXXX XXXX XXXX, XXXX, VA XXXX Credit card number XXXX On or about XX/XX/XXXX, I contacted Capital One, and deactivated my credit card.
On XX/XX/XXXX, I contacted Capital One and asked about the credit limit and any restrictions.
I asked the Capital One Representative could a secondary card holder charge more than the credit limit on the card. They said no. I advised that I do not want the secondary card holder to charge more than the credit limit. The representative advised that they could not and Capital One would decline credit over the limit.
On XX/XX/XXXX, I advised Capital One that based on this information to reactivate the card. They advised that this was a recorded conversation.
On XX/XX/XXXX, a charge was made by the secondary card holder for {$2700.00} for a car rental from XXXX XXXX XXXX in XXXX, NC. I contacted Capital One and complained of an over the limit charge. They refused to allow a dispute on my credit card, and I was forced, in violation of our contract, to request closure of my credit account.
After I closed the account, I received a notice that they accepted my dispute.
I had previously from the date of XX/XX/XXXX, filed a fraud claim and again asked about a limit on charges on my account. I was advised that no charges over the limit of {$1000.00} would be accepted.
On XX/XX/XXXX, my account was officially closed.
On XX/XX/XXXX, I was charged again for a transaction re-bill for the {$2700.00} on my account from XXXX XXXX XXXX.
On XX/XX/XXXX, after my account was closed Capital One again allowed a merchant to charge an additional amount of {$26.00}, from XXXX XXXX XXXX.
I advised Capital One prior to XX/XX/XXXX, and was told by them that charges over the limit would be rejected. I never advised or approved Capital One, the card issuer, to allow charges to exceed my credit limit and advised them of such and was informed by Capital One that no charges would be accepted over the limit. I advised Capital One that it was good that no charges would be allowed or accepted over my credit limit. I had two recorded conversations with Capital One on this matter and on fraud prevention.
I had also asked for a small increase of my credit limit for charges and was refused a limit increase by letter.
By allowing a merchant to charge my account with a charge almost three times the legal limit agreed upon, by re-billing said transaction, by forcing me to close my account to file a dispute, and then allowing a merchant to charge an additional charge over the disputed amount to my account after said credit card account was in fact closed and after I filed a complaint number XXXX with the Consumer Financial Protection Bureau, they have violated my constitutional rights as a XXXX senior citizen. They have violated the agreement that I made with them and provisions of the Card Act of XX/XX/XXXX.
I am requesting that a complaint be filed against Capital One for allowing a merchant to charge my account almost three times my credit card limit, by not notifying me, by forcing me to close my account in order to file a dispute and by allowing a merchant to charge an additional amount to my account, after said account was officially closed, in violation of the Card Act and other applicable laws.
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01/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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In XX/XX/XXXX I had a XXXX. I had unknown paid care givers come into my home to help me because of my XXXX. They had access to all of my personal information, mail, and credit cards. Someone used that information fraudulently to run up my existing cards and take out other lines of credit. I contacted each lender affected including the four Capital One 's and XXXX XXXX credit card. I sent them the report from the federal trade commission, my id, my social security number, notarized identity theft affidavit, a utility bill, and documents from other creditors that were involved and resolved. All together there were about 20+. Other than these five who absolutely refuse to follow the law regarding Identity theft I was able to begin to rebuild my credit after such a horrible experience. They refuse to look at the evidence presented to them multiple times to prove the identity theft happened and is negatively affecting my credit score due to no fault of my own. Could you please get these 5 last creditors to examine the paperwork provided to them and all the other documented creditors involved and remove the negative information effecting my credit and issue new cards with new numbers so this situation can be resolved and I can move forward with the best quality of life possible considering my health issues? They keep sending letters that are either inaccurate regarding the situation or requesting documents that I had previously sent certified mail. It has been a time consuming circle with no resolution because they are not properly doing an investigation with the paperwork from the other creditors or the three credit bureaus. I enclosed the statements from Capital One that were mine before the XXXX to show that I have kept up on my credit and household needs before the XXXX by myself. It was shortly after that the fraudulent activity began. I called the police but was told because there were so many unfamiliar people who had access to my information and so many creditors involved that I should make a report with the Federal Trade Commission. I took their advice because in XXXX of XXXX when I found out what had been happening for a year it was very overwhelming. Most creditors were very professional and helpful. Capital One and XXXX XXXX were not. When I would try to call them they would transfer me around, put me on extended wait times, hang up on me, and not help resolve anything. They were more interested in writing it off or selling the account to a collection agency. This situation with these creditors has taken it's toll on my already fragile health conditions. Please help me resolve this situation because I don't know what else to do and it is ruining my credit with the three credit bureaus due to no fault of my own and these companies not wanting to truly investigate the matter. Out of all the creditors involved it is not a coincidence that XXXX out of the XXXX that are unresolved are all with the same lender Capital One. The last creditor is XXXX XXXX and refuse to acknowledge all of the other companies affected with this identity theft. How could all of the other XXXX companies be wrong but these XXXX are denying the identity theft occurred. This is a horrible thing to do to a customer with health issues that was a victim of identity theft.
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03/07/2016 |
Yes |
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Web |
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Dear Sir/Ma'am I am writing in regards to my Menards ' Big Card. I paid my minimum balance on XXXX/XXXX/16 of {$110.00} and an additional {$1000.00}. I wrote on my check that I wanted the extra to go against the 6 month higher interest rate charge.
At that time I had the following charges - XXXX - 48 month 3.99 financing - {$2900.00} - XXXX 6 month same as cash accruing 25.24 % - {$1400.00} So I figured that the extra {$1000.00} would go against the XXXX When I look at my XX/XX/XXXX statement. I see that all but {$44.00} went against the 48 month 3.99 % financing. The {$44.00} was the minimum payment due.
Again I made a payment at the store for {$1500.00} and {$350.00} on XXXX/XXXX/16. Again I asked for the extra to be applied to the 6 month free financing.
When I look at my XX/XX/XXXX statement, it shows that all of this was applied to the minimum balances due and to the reduced 48 month financing.
I would like this fixed so that I am not charged an exorbitant amount of interest in 3 and 4 months ' time when the promotional expiration date is completed.
I would like the minimum payment due applied as specified in the statement and then I would like the extra {$1000.00} from XXXX XXXX, 2016 - removed from the txn XXXX ( 48 months free ) - and applied against txn XXXX ( 6 months same as cash accruing 25.24 % ) So their balance as of the XX/XX/XXXX statement would be - $ XXXX = {$2800.00} + 6.39 Interest = & gt ; {$2800.00} - $ XXXX {$420.00} With a new transaction - XXXX - 6 month same as cash accruing 25.24 % {$710.00} ( XXXX/XXXX/16 ) On my XX/XX/XXXX I get a PROMOTION Expiration ALERT!! Saying that the transaction that I thought would be paid off. Has n't been paid off at all and there is {$68.00} of deferred interest. I was paying off the promotional payoff.
I had made two more payments on XX/XX/XXXX of {$1800.00} to pay the minimum balance and pay against the transactions - XXXX = $ XXXX-XXXX ( minimum ) = {$380.00} - XXXX = $ XXXX-XXXX ( minimum ) = {$690.00} - XXXX = $ XXXX-XXXX = {$2800.00} Leaving {$1700.00} left to pay off the 6 months same as cash and start on the 48 months low rate Should have balances of - XXXX = {$380.00} - XXXX = XXXX - XXXX = {$690.00} - XXXX =XXXX - XXXX = {$2800.00} - XXXX = {$2100.00} + the accrued interest With my new transactions - XXXX ( 48 month 3.99 % financing ) {$1500.00} - XXXX {$310.00} Return - XXXX of {$200.00} against txn XXXX So I should have the following transactions left to pay off - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( from XXXX/XXXX/2016 at 25.24 % ) I am not exactly sure how much these each should be because of the return and the different interest that was n't added on because of how the different transactions were cleared off.
I would like the following {$200.00} to be paid against the minimum due against transactions - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( 48 months 3.99 % from XXXX/XXXX/2016 ) - XXXX ( from XXXX/XXXX/2016 at 25.24 % ) And the remainder paid against - XXXX ( from XXXX/XXXX/2016 at 25.24 % ).
By law the highest percent interest transaction should be paid off first with any moneys left over after the minimum amount due is applied. 25.24 % accruing interest is much higher than 3.99 %.
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06/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
Servicemember |
On Saturday, XX/XX/XXXX, I applied for a credit limit increase on my Capital One Quicksilver MasterCard. I have had the account for approximately 5 years, and in that time period I have always paid my bill before the due date without missing a payment. My credit limit was initially set to {$1100.00}, which I consider extremely low due to my credit score at the time and my current financial obligations that consisted of a mortgage of approximately {$830.00}, including homeowners insurance. Over the last 5 years, I have applied for a credit limit increase and on two separate occasions have been approved for a {$300.00} increase, and a {$200.00} credit increase. Since then, I have repeatedly been denied, although I have applied for credit cards that have immediately approved me for credit limits anywhere from {$5000.00} to {$21000.00}. My current situation is that my credit card balances are XXXX ( zero ), and in most cases I have a negative balance. Such is the case with my Capital One Quicksilver MasterCard - my balance is XXXX, with a credit limit of {$1600.00}. My credit score, as indicated on the Capital One Quicksilver app through XXXX XXXX XXXX credit score is XXXX, with 100 % of payments made and a zero owing credit card balance. In addition, I have a membership with XXXX XXXX XXXX that gives me access to all 3 credit agency platforms, and a membership with XXXX XXXX XXXX as well. The XXXX membership currently shows my XXXX XXXX as XXXX - XXXX ; XXXX - XXXX ; and XXXX - XXXX. Additionally, the XXXX membership shows my credit score as XXXX, and all three credit reporting agencies show I have a balance of {$47.00}. I realize that these reports are sometimes not up to date, but they are very extremely close and accurate. Nevertheless, Capital One MasterCard has again denied me a credit limit increase on a {$1600.00} available credit card with a minus XXXX balance. The agency used for their findings was XXXX - XXXX that they used XXXX when their credit report findings on their App through XXXX is based upon Transunions Vantage Score XXXX that shows I have a credit score of XXXX, with XXXX balance owing, 100 % payments made on time and XXXX percent credit used and 100 % credit available. Also, my XXXX report shows that my credit score is XXXX with 100 % of payments made on time, XXXX balance owing on all credit accounts and 100 % of my credit limits available for use. I called and they never give me any satisfactory answers, plus their customer service is outsourced to somewhere in XXXX or XXXX XXXX. They don't have any answers for why I've been denied, and don't offer any solutions as well. Attached, if possible, I will provide you with a copy of the letter sent to me via their application, as well as documentation of my credit scores and financial obligations. Consequently, they said I was denied because of information obtained by XXXX that my financial obligations as reported to them by the credit agency was too high and that a credit limit increase on my account is not currently available upon request. Both of which are not only true, but totally ridiculous and reaks of profiling bordering on racism and discrimination. I more than deserve a credit limit increase and proved myself more than worthy of one based upon credit reporting facts.
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09/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX my father passed away.
Once I was able to go through his documents and determine where and what assets he had, I notified his Capitol One local branch and the estate operations dept XX/XX/XXXX of his death and requested confirmation that money could not be withdrawn from his personal and business account. I was assured this would be the case. I also spoke with the Estate operations again XX/XX/XXXX and was again assured that no money could go out but deposits would be accepted from any of his business clients that may choose to make deposits to his account.
Around the end of XX/XX/XXXX when preliminary probate papers were finally issued -establishing my role as estate executor I went to the Capitol One branch in XXXX to collect his assets and learned that the business account was " inactive. '' The account, which had almost {$9000.00}, was over withdrawn and in negative balance with penalty fees. Since I was not entitled to the bank statements before this time -this was a shock to both the branch manager helping me and I.
Apparently Capitol One had honored checks that had forged signatures of my father until the account ran out of money. Long story short, the fraud dept ( who refused to speak with me but through the branch manager said they would launch an investigation ). In XX/XX/XXXX the Capitol One fraud investigator called and left a message for me to call him back. When I called back, the fraud dept person refused to connect me with the investigator-he just said the case was ongoing and the investigator would contact me-this is me returning the investigator 's call ...
The investigator eventually contacted me on XXXX XXXX stating that he had no documentation of notification of my fathers death or request by me to freeze the account from outgoing money on record. When I inquired about all the " recorded communications '' with the estate operations dept he replied that he had no access to that information. There was " nothing he could do for me. '' He then gave me the number for the CapitolOne Advocacy group. I called the advocacy group several times in XXXX with no response.
Meanwhile our family filed a policy report against the suspect and that is still undergoing active investigation.
I again contacted Capitol One, XXXX XXXX and was transferred to the Customer Security Team, requesting the supervisor for the previous investigator.
A person named XXXX contacted me XX/XX/XXXX and he gave me a case number ( they reopened the case ) and asked me to email a copy of the police report with a brief synopsis of the situation. He then said he would review the contents and get back to me the following week. On XXXX XXXX XXXX did call to confirm receipt of the documents and was waiting for the manager to go over it. He may have more information the following day.
I called XX/XX/XXXX to check on the status. XXXX did not answer my call but the message relayed was that he would contact me once he heard from the estate team. On XX/XX/XXXX I called again, XXXX was not available and the operator took my message and when I stated that it has been several months now she basically stated that sometimes investigations could take years. She said this without any information on the case. This was not the implication I got from the XXXX.
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07/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One : Harassed me on daily basis, even after arrangements and several payment plans for 3 credit cards with them. My work as a frontline XXXX XXXXXXXX XXXX worker, the sole XXXX XXXX XXXX whom oversaw compounding XXXXXXXX XXXX XXXX XXXXs for XXXX XXXX and XXXX XXXX XXXX for entire XXXX within the XXXX XXXX Area XXXX XXXX XXXX XXXX such as XXXX XXXX XXXX before it was approved by the FDA, XXXX XXXX XXXX XXXX like XXXX or XXXX ; XXXX or XXXX etc. I was interrupted constantly even though this was a Public Health Service Act and Emergency. These payments had cleared, I was told that until my balance was up to date, that anyone could call me at any time of day, even if I was working.
My accounts were sold after payment arrangement were made. Capital One was informed of XXXX XXXX Apartment Rent Cares Act violation that I immediately contacted them on XX/XX/XXXX to change payment amounts. An agent took compassion to modify payment amount as I had emptied my entire bank account. The next day, Capital one sent my account to XXXX.
Capital One Violated the Following : COVID-19 Consumer Protection Act of the 2021 Consolidated Appropriations Act TAGS : Consumer Protection MISSION : Consumer Protection LAW : Pub. L. No. 116-260, 134 Stat. 1182, Division FF, Title XIV, 1401 LINK : XXXX : XXXX For the duration of the COVID-19 public health emergency declared pursuant to section 319 of the Public
Health Service Act ( 42 U.S.C. 247d ), this Act makes it unlawful under Section 5 of the Federal Trade Commission Act for any person, partnership, or corporation to engage in a deceptive act or practice in or affecting commerce associated with the treatment, cure, prevention, mitigation, or diagnosis of COVID19 or a government benefit related to COVID19. The Act provides that such a violation shall be treated as a violation of a rule defining an unfair or deceptive act or practice prescribed under Sec. 18 ( a ) ( 1 ) ( B ) of the FTC Act.
U.S. Code 1691 - Scope of prohibition U.S. Code Notes prev | next ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
U.S. Code 1692g - Validation of debts U.S. Code 1692c - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
U.S. Code 1692j - Furnishing certain deceptive forms.
15 U.S. Code 1692k - Civil liability.
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09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Since fall/winter XXXX I have been reporting to authorities, agencies, police, credit agencies like including XXXX XXXX, XXXX XXXX to be aware, protect my identity because I noticed unusual activities, included reporting, notifying, making sure that Capital one also knows. I only have on account where I make payments from, one credit card with capital one, had opened a checking account, had a Walmart card attached associated with capital. Everytime I called in they would make notations, record, acknowledge. In XXXX of XXXX despite reporting to XXXX, capital that checks going into the account, and unusual activity for unrecognized transactions are not mine while in XXXX XXXX homeless, three suitcases, no place to live, no capital one credit card in my possession, reporting to agencies of my loss, identity being used by these fraudsters. I remember as clear as day Capital one saying when I had called them that my account would be closed because with a closed account no fees or charges would not be applied. Despite my reports, receiving acknowledgement, even sending in documents, reporting to credit bureaus capital left the only one account open for a year. ( no online access to the credit card, no credit in hand, these fraudsters did not target my Walmart or checking account that is closed they left the capital one credit open-capital one ) XX/XX/XXXX-into XXXX. I can't access I receive acknowledgement that the account is closed in XXXX. Guess what they left all of my information, the account open for the fraudsters for a year into XXXX. Never did I request for the fees to be continued to be applied by capital. They all that information in their system of me calling in. Setting up payment not for the unrecognized transactions but acknowledgement of the account would be closed, no open account will remain open, it's fraud not payment for the unrecognized fraud charges applied. How, when, why would capital one leave this account open, continue to charge when initially I was told that to protect the account would be closed, it is closed. Capital one waits a whole entire year XXXX ignore every single proof, phone calls I kept trying to call. It is capital one bank responsibility when a customer calls in saying close the account not to leave the account open, keep applying, leave the account open to fraudsters. Capital one sends a unknown link, a year later, just a link without a single word, without notification to my email, doubles the amount on the account. Disregarded my phone call and acknowledge for the only charges I recognized but for the unrecognized charges left the account open then sends a link, because I call capital one what is this link to place my personal information still capital one ignores my call, because their mistake was not to investigate the unrecognized charges, capital one left the account open, kept applying, applying fees, then it's charged off??? They told me the account was closed. Then in XXXX because this unknown link from capital one came out of nowhere capital one applies a bad credit rating to my credit report for charges I don't recognize, and am open account I never asked to remain open. A whole year passed, I'm not even aware that capital one kept the account open. I even said in XXXX I don't have the card.
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03/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Anyone with a Capital One credit card should be aware they can not count on having consumer protection against merchants who dont deliver services paid for with the card. I need help to get Capital One to pursue a disputed charge with an internet-based company with a major profile that went out of business without warning.
The disputed item on my Captial One Venture account is with XXXX XXXX, a well-known internet-based home renovation and design firm. What was to be the first of a series of payments to them was billed XX/XX/XXXX with a total amount of {$8700.00}. I am only disputing the amount of {$3800.00}. Thats because I did receive a portion of the services I paid for before the company went out of business.
XXXX went out of business without notifying customers, including me. I found out about it in the news in XXXX, and tried to get a refund directly from the company. But no one was answering the phones, or responding to email, and even the website was on some kind of lock down, with documents including many related to my account removed from it.
So I put in a disputed charge with Capital One, and they initially credited my account back with the full amount ( more than I am disputing ) in XXXX. But then they reversed that credit a few weeks later. Anyway, we had long since paid the amount as we always pay off our bills in full each month. When they reversed the credit, Capital One asked me for more information, which I sent. By way of response, they then asked for more information, which I sent. And then they asked for more informationand we have been going around and around like this for months. Most recently I called to ask about the status of my dispute and eventually spoke to a supervisor who told me they had sent me a letter in XXXX. I have not received it. They also claimed yet another letter was mailed in XXXX, which I also have yet to receive.
I have no evidence Capital One ever reached out to XXXX about this at all. I asked directly on the phone if they had reached out to XXXX and could not get any answer. I also have no evidence anyone even reviewed any of the information I have been sending in, including a second opinion letter and itemized lists of services not received ( both as requested, and both more than once and in more than one format ). In fact, they told me two different times that I had NOT sent in requested information and blamed their lack of response on that. ( They later found the info in their files. ) Capital One changed the case number on my file somewhere in the middle of all this, so that my responses were hidden under the old case number and not visible to anyone looking up the case by the new case number they included in their letters to me.
After literally hours on the phone in my most recent call on XX/XX/XXXX, months into this process, Capital One finally told me they would not pursue my claim. In fact, they claimed they were not allowed to. With no explanation as to why, then, they had been asking me for all this additional information. They also claimed they had no procedure in place for dealing with a bankrupt merchant, and no lawyers who help the company pursue such cases. They suggested I report XXXX to the XXXX XXXX XXXX, although they had no information on how or why to do that.
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10/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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RE Capital One -Case # XXXX I disputed the charge and provided all information to the rep on XXXX/XXXX/XXXX with Captial One.
I booked a room with XXXX XXXX on XXXX/XXXX/XXXX. Schedule for dates XXXX for a XXXX XXXX Trip. It is also correct that they took a portion of the deposit early which was agreed.
It is also correct that I called them on XXXX and spoke with the hotel along w an agent of theirs who advised me since I was paying in cash I didnt need the card.
So upon departing from XXXX I did not bring the card. We arrived to check in and they needed the card. I offered the hotel the following options all of which they declined. I also spoke with the person who advised me of the information he said he told the agent on the phone to tell me to bring the card, well the XXXX XXXX agent did not.
*Allow me to pay the remaining balance and deposit in cash They said I could but it would cost the initial deposit + the new room costing {$900.00} * Allow Capital One to verify the whole number via the phone with you They said no stating due to security cameras the security team must see the physical card leave my hand and go to the clerks hand at the counter *Allow me to verify the last 4 digits of the card, along with my ss # and ID to prove it is me -declined This was advised to me by the manager on duty at the time who was a female. Who refused to give her name, or employee id. The dispute between us was very argumentative on both sides and she said she didnt like my attitude and refused to give me the room at all under no circumstances.
I asked them did they not have a work around or policy for these situations as I am sure this has happened before? They advised me they did not have one in place nor did they want to think of other options for me. I pleaded with the female manager and explained to her to please allow us to stay we would pay as I was XXXX + miles away from home and had a XXXX girl. We would have nowhere to stay.
I then immediately asked for my money back they refused. She did say she would reverse the charge but due to the weekend it would come off until Monday. However, all monies would be refunded since I was REFUSED service. Now to find out the use this excuse and again not stand by their word or have any empathy for their customers, using a 72 hr cancellation excuse.
Upon arriving there were multiple fights outside and the carpet was dirty. Had I had battery life on my phone I would have videotaped the entire incident. However, I do realize a deadline has been missed. However, I gave all this information to you that day online with the Capital One agent. That fact you requested something in writing I hope is not a reason you would want me to pay a {$260.00} charge for a rude, dirty, establishment that refused my services. If you do not reverse this I will file a dispute with the Better Business bureau, and Financial bureau against all parties. This has cost an over fee balance and now impacted my credit.
Capital One, is stating I missed my timeline for filing a second response to their dispute. So, complaint is with XXXX XXXX as I would like my money back. They refused services to me, I did not stay there, and they promised my money would be released.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX
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06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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03/01/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX XXXX I received a lawsuit notice from my county that I was being sued by Capital One Bank for {$2300.00}. I was shocked about this because I sent multiple letters to Capital One that the debt was not mine and asked them to validate the debt they say I owe or stop contacting me. Only response I did get was letters saying that I had applied for credit online and I owe the money from XX/XX/XXXX. No copy of a contract with my signature and I have never had an account with Capital One or any type of credit cards with them. Even if you pull up my credit report Capital One is no where to be found. I decided to fight the allegations because I never received credit from this bank and they never showed any proof that I owed them this money. I thought it would be an easy case and the judge would make them show proof that I owe them. I asked the courts to have Capital One show proof by requesting contract with my signature or any docs showing I owe the alleged debt but I was denied anything showing this, judge even denied my discovery request that I asked them to show any evidence of anything about the debt, even some type of agreement. Capital One does not have anything other than some old statements from another company which is a third party company that anyone could have created. I asked Capital One to show where they may have received an assignment for this debt from third party but there was nothing showing this either other than an affidavit that said I owed the debt from some rep that works for Capital One. This is hearsay but courts granted Capital One a judgement even though they did not proof or have any evidence that I even own the debt. I have denied that I owed the debt since XX/XX/XXXX and no one from Capital One has sent me anything showing that I borrowed money or received any credit from them. They keep pushing that I owe this money but I have stated several times this debt is not mine and if it is please show proof. Within our court hearing the attorney that represents Capital One even stated they do not have any records other than the statements and the debt was purchased bulk with other debt accounts. They can not confirm that this debt belongs to me. They are just going after me due to old statements that they received when purchasing bulk debt. Not sure how you can say I owe something when you do n't have any type of agreement that says I will pay or I owe this money to you. The judgement was granted for Capital One to move forward with the collection of debt but I think my case was not handled fairly or even given due process. How can you grant someone money but the party that is suing for the funds do not have anything showing they have the right to collect. Capital One came from nowhere and just stated I owe the debt without evidence. They keep ignoring my request to show an agreement, assignment, contract, correct balance and it seems like the courts are working with them to collect this debt that is not mine. Not sure what else I can do other than to complain to CFPB due to Capital One continuing an attempt to collect a debt that I do not owe. Never had an account with Capital One and they ca n't even show that I had an account with them, where I made payments with them or even signed an agreement with them.
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08/04/2016 |
Yes |
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Web |
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Capital One case # XXXX Agent : " XXXX '' Rep ID XXXX XXXX During my honeymoon ( XX/XX/XXXX-XX/XX/XXXX ) I was traveling outside the country ( XXXX ) and did not have the ability to submit my credit card payment on time ( Due XX/XX/XXXX ). I called once back in the USA to make payment, and to ask about the late fee being waved. I was placed on hold while the rep verified she could waive my late fee. I was told my late fee would be waved. I informed the rep that was great news, but that I would also like to INCREASE my payment from the minimum amount due to {$200.00}. The rep told me she would have to confirm with her supervisor that had I INCREASED the amount due, that she could still waive my late fee. I said OK I will wait for you to ask again, but before she placed me on hold she began to read me the authorization RSNIP to complete my payment of {$200.00}. I told her " No, I do not authorize you to process my payment until you confirm my late fee will be waved ''. The rep told me SHE HAD NO CHOICE BUT TO PROCESS MY PAYMENT BEFORE CONFIRMING THE LATE FEE WILL STILL BE WAVED. This was a clear act of discrimination based on me increasing the amount I wanted to pay. This allowed the rep to take my payment, and then place me on hold only to come back and say " we can no longer waive your late fee ''. This deceptive practice is being taught to new call center representatives at Capital One. When I spoke with her supervisor, her supervisor and I exchanged a conversation in which I told him I work in compliance at a bank and in no way what I just heard was legal or ethical. He tried to end the call and confirmed with me while I was on the phone that my payment will be processed. He never processed my payment, and not only was I still left with a late fee, my late payment was not processed.
I had to try and use my card again to find out that no one processed my payment when I spoke on the phone with them for multiple hours trying to get them to take my money ( the entire basis of their organization ). I became incredibly frustrated at the deliberate attempts to affect my credit by not taking my payment ( This is all on a recorded line, they opened a case, referenced above, and agreed with me that their reps did not act accordingly ).
I would like a case opened as the 2nd call I placed I was told they could not take my payment while the recorded calls were being investigated. It took a THIRD call for someone to tell me I was able to " catch up '' with the late payment ( that I had already authorized to take back in XX/XX/XXXX, but was not processed on their end ) to avoid a continual late fee.
Once the case was closed, a representative called me back to confirm their rep did not follow protocol and that the only thing they could do to honor me was waive the late fee and reduce my minimum payments. I said to the guy " Are you nuts? Why would I let you lower my fee so that I would just pay MORE interest over a longer period of time? '' When my whole basis of the call was to INCREASE my mim. payment. The {$200.00} auto-pay was finally set up, but the late fee STILL IS NOT WAIVED.
I can be contacted at XXXX for any related follow up necessary regarding these issues. I want to know fines involved for their blatant discrimination. Thank you
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04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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05/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX at approximately XXXX XXXX, my Capital One Venture X card was placed in restricted status freezing the use of the card for all 5 users ( 1 primary 4 supplemental ) of the account pending that I ( as primary ) contact capital one.
My complaint is focused on the restriction/unlock process which is disproportionate and unfair to the customer in several aspects : 1. Capital One while staffing its customer service line 24/7 ( and states as such in their restriction notification ) does NOT staff its fraud department in a similar manner. If you call outside of the frauds departments office hours ( which are not declared ) you have to wait until the next business day.
2. When calling the Fraud department, the agent follows a standard script which tells customers you that it will take " 7-10 days '' to remove the restriction on what is being sold as a Travel focused credit card product where users are likely to be overseas and critically reliant on use of the card. The only way to accelerate this timeline is to request speaking with a fraud supervisor -- something cap1 does not share to the customer. In short, the people cap1 encourages customers to contact are not empowered to help.
3. In my particular case, I requested escalation to a fraud supervisor who told me that " their systems were down '' and I'd have to call back in " 2-4hrs '' as my account could not be accessed. In short Cap1 enterprise/production systems have very little business resiliency when it comes to their fraud operations. In my view this is a critical/material audit failure of multiple regulatory requirements associated wtih disaster recovery/business continuity. For 2-4 hrs to be part of a responders call script, the customer systems are not capable of even " two '' 9 availability.
4. When calling back ( Cap1 makes no effort to arrange to contact you ), you are told only a valid state ID can be presented to unlock your account -- federal ID such as valid US passports are not accepted because whatever authentication system Cap1 uses does not know how to process them/Cap1 is not paying for that feature set.
a ) cap1 makes no mention of how this data will be used, retained or what third party they are passing the information on to when requesting the submittal via a link sent to the customer through email. There is no ability for the user to communicate with cap1 secure messaging via cap1 's own website.
b ) cap1 offers no tech assistance in having their own cap1 app scan/upload the id. However if the id is not scanned/photo 'd in a way clear enough for the authentication system to validate, the account can be permanently suspended with no recourse.
I am writing because while I was able to get my account unlocked, this process caused tremendous stress to my family who were travelling overseas and relying on a fair and transparent fraud monitoring process from Capital One in the event there were concerns about our purchases. To note : there is *nothing* I/my family can do to prevent this from happening again -- as there was no fraud and cap1 refuses to provide information as to what triggered the restriction other than a generic reference to an airfare purchase using capital one 's own travel portal website.
5. After processing my submitted id
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10/22/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Capital One has linked two accounts together. I can provide the last four digits of the account numbers later in the proper area of this submission.
I have made 10 ( ten ) payments to these two account, ( 5 each ), and Capital One has received them, and 4 to 5 days later rejected them. My accounts used are valid and I have full and sole authority to use the has received payment from my bank account, as I have provided documentation to Capital One in that regard, with no response or confirmation of receiving such documents.
Again, I will provide ( attach ) the documentation sent to Capital One in this regard in the proper area of this submission, along with a letter I included in the fascimile submission. Each time I made a payment to each account, a confirmation number was given, to which I can provide all 10 numbers, which the first time, the available credit was increased back to the account 's beginning balance, in this case for the first account {$500.00}, and for the second account, {$300.00}. And I used some of this credit due to knowing the accounts have been fully paid off and my available credit was restored.
However, approximately three to four days later, the payment showed " returned ''. And subsequently, the balances went back to where they were before I made the payment ( s ). I then made three more payments, to which after approximately four days were again " returned ''. I soon after sent a notice of audit of ACH reversal codes via fax, with absolutely no response.
I then made one more payment to each account, and waited three business days to make sure the payments processed. Upon initially making this payment, I again received confirmation numbers for each account. I then called Capital One and spoke with their payments investigatory, fraud, or the equivalent, spoke with a representative named XXXX ( XXXX ). I called specifically to make sure the payments were processed and the accounts were paid off in full.
XXXX assured me they were paid off. Capital One recorded the call and I am also demanding a copy of that dictaphone recording of our telephone conversation. By this information I was given, I was assured the account was paid off, though closed out. The next day, I checked on the account again, and the payments were again reversed.
This is unacceptable and Capital One needs to be reported to the proper agency due to their behavior and the way they deliberately ignored my letters and demands to view the return/reversal ACH codes upon payment submissions. They have closed the said accounts, although I still have access to view the accounts online. I have today made payments to the same accounts, again paying them off in full. I am hereby demanding these payments be electronically audited and monitored to inspect Capital One 's process before they get a chance to perform this again.
I am still perfectly willing to pay off these debts with the account ( s ) previously used. But Capital One needs to accept these payments if they wish to be paid, and not hide the fact these accounts are legitimate and I have full and sole authority to utilize them. I expect to get full disclosure during this process by which Capital One will be presented this case, as I trust CFPB will provide such transparent disclosure.
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11/29/2023 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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My name is XXXX XXXX XXXX I have Capital One 360 checking and savings accounts. My customer number is XXXX. The case reference number is XXXX.
I am writing to complain to that Capital One 360 employees are in the process of closing all of my accounts because they are both XXXX AND IGNORANCE Here is what happened : I also have a Capital One credit card, and I used some of my credit card to buy things for a person I know named XXXX XXXX who lives in New Jersey. XXXX XXXX uses XXXX XXXX XXXX and has multiple investments with XXXX XXXX who is also a subdivision of XXXX XXXX XXXXXXXX.
If you are an investor, you would know that you have an account manager.
XXXX XXXX used some of his money in one of his investment accounts and authorized his account manager who is XXXX XXXX to send me a check to pay me. However, we are almost at the end of the year 2023, and with the latest technology these days now, bank users can also issue an email check through XXXX XXXX XXXX and send an email-check out, the recipient then can print a check and deposit it like a printed check.
XXXX XXXX sent me a email-check on XX/XX/2023. I successfully deposited it the next day, but Capital One 360 pended the check until Thursday, XX/XX/2023.
On Tuesday, XX/XX/2023, XXXX XXXX realized that there was a mistake that the check came from the wrong account so he requested a charge back on the check immediately and that caused the check to reverse and bounced. XXXX XXXX immediately left me a message about this but I did not check and received his message until later at night.
On Tuesday, XX/XX/2023, I received an email saying that there was an unsual activity on my account and all of my accounts are restricted. I immediately called Capital One 360 and talked to a manager but he is both XXXX AND IGNORANCE. I told him the truth that my person who I knew for years sent me a check, but he authorized his account manager at XXXX XXXX to send a check on his behalf through one of his investment accounts at XXXX XXXX. XXXX XXXX is also XXXX XXXX XXXXXXXX. However, the account manager XXXX XXXX uses XXXX XXXX XXXX to send me an email-check instead of paper check for faster service so I do not have to wait to get it in the mail.
CapitalOne 360 employee did not believe me and told me that all email checks are scammed and that I created a high risk and Capital One 360 will close all of my accounts. I did not get the message of XXXX XXXX until late at night so I did not tell thar employee that XXXX XXXX did leave me a message that he requested to charge back the check.
I would like to tell Capital One that this is almost the end of 2023. Capital One employees need to get updated. With the new technology, email-checks work just like paper checks because the mailer do not have to print the check out, waste money to mail it and the recipient ( in this case is me ) do not have to wait for it in the mail because it is a waste of time and deposit it.
Also, XXXX XXXX realized that the check came from the wrong account so he immediately requested to charge back the check.
I did not create a high risk with Capital One. It is totally not fair for me that Capital One 360 closes all of my accounts because your employees are not updated with the latest technology of banking.
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01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I am a natural person and a federally protected consumer pursuant to 15 U.S.Code 1692a ( 3 ). On XX/XX/2021, CAPITAL ONE closed my open end consumer credit plans without prior notice and without my consent. I am aware that when applying for a charge card a application, risk score or income is not required according to federal law title 15 U.S.Code 1637. CAPITAL ONE has violated federal law by not providing a statement of reasons for the adverse action that was made by closing the accounts pursuant to the ECOA 15 U.S.Code 1691 ( d ). CAPITAL ONE has no authority to close my open end consumer credit plans.
I am aware that in pursuant to 15 U.S.Code 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In pursuant to 15 U.S.Code 1692a ( 4 ), The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. I extended the credit which makes me the original creditor.
In accordance with 15 U.S.Code 1602 ( j ), The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. Pursuant to 15 U.S.Code 1602 ( l ), ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
In pursuant to 15 U.S.Code 1666d, Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
In pursuant TILA title 15 U.S.Code 1615, ( a ) Prompt refund of unearned interest required ( 1 ) In general, If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. In pursuant to 15 U.S.C 1692h, with my written direction I demand CAPITAL ONE to redirect ALL payments to me by check and removal of the fraudulent items from my consumer report.
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10/17/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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On XX/XX/2019 I received via standard mail a letter from XXXX XXXX XXXX XXXX XXXX in my mailbox. The letter was a notification of a Garnishment Summons on behalf of their client XXXXapital One sent to my employer XXXX XXXX. The letter indicated that it had been sent to me via certified mail ( which it hadn't XXXX. XXXX XXXX XXXX had previously served a Garnishment Summons on my employer in XX/XX/2019 for the same debt and collected {$590.00} on XXXX, {$1200.00} on XXXX and {$630.00} on XXXX. Fast forward to XX/XX/2019 and here they are AGAIN serving my employer for the same debt as they had previously done. This is clearly either an attempt to harass me and/or an attempt to generate fee income by not garnishing the full amount all at once and/or an attempt to cover incompetent work performed the first time they did this.
Additionally, there was NO required notice of exemption included in this notification mailed to me. I have XXXX XXXX XXXX and we are on a number of XXXX and XXXX programs that render my income exempt from garnishment. However I just found this out as - for the SECOND time - the required exemption notices were not included. So, the thousands of dollars that they garnished from me the last time causing me an extreme financial hardship I was legally exempt from and would have known as much if XXXX and XXXX had followed the law and included the required disclosures that time or this time.
I had my husband call them today to ask about the garnishment. XXXX and XXXX admitted that the disclosures hadn't been included and sought a way to send them to us. They also admitted having been able to add additional fees to the balance from XXXX to now. They also admitted that over half of what they are attempting to collect this time is fees. My husband presented them with three scenarios - the first is that he would pay them the {$470.00} in remaining actual principal on the debt ( minus the fees ) and that they leave us alone and stop trying to cause issues for me with my employer by REPEATEDLY garnishing the same debt. The second was that he file the exemptions for the debt and that they never be able to collect - even if they extend their default judgment another 10 years as our children are very young. The third option was that he pursue all of our legal options and notify regulators about their illegal and harassing actions. They rejected the money and said to " do what you have to do ''. Their representative " XXXX '' then proclaimed he would be exercising his right not to talk since my husband had apparently " threatened legal action '' with his third option and then hung up on him.
As XXXX and XXXX has violated the law and NEVER sent me the required exemption information - causing our family EXTREME financial hardship, as XXXX and XXXX has REPEATEDLY harassed me through jeopardizing my employment by REPEATEDLY serving notice to my employer and as XXXX and XXXX has intentionally broken up garnishment to generate more fee income, I request a formal inquiry into their practices and the maximum sanctions available to stop them from doing this to any more Minnesotans.
Thank you for defending us victims of predatory companies such as XXXX and XXXX who count on us not standing up for ourselves.
Sincerely, XXXX XXXX
|
05/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On XX/XX/2019, three fraudulent charges were made to one of my two ( 2 ) Capital One visa credit card accounts. I received notification for two of the three charges that exceeded my spending alerts that I receive via text message. The charges were for : 1. XXXX {$0.00} 2. XXXX XXXX XXXX {$49.00} 3. XXXX {$49.00} Also on XX/XX/2019, I immediately issued a Fraud Alert to Capital One and disputed the three charges. Capital One opened up a Fraud Notice on my account, placed the card on hold, and issued me a new credit card.
On or about XX/XX/2019, I placed a credit freeze on my social security number with all three credit reporting agencies.
On XX/XX/2019, I received notification from my bank, XXXX XXXX, that my phone number was " blocked '' from being used with XXXX, and that payments were being rejected. My cell phone number was being blocked because it was " already registered to another account. '' I have had this cell phone number for 10+ years. However, I have never initiated payment or attempted to receive payment using XXXX via my phone number. XXXX XXXX immediately transferred me to their fraud department and instructed me to confirm my phone number by visiting an ATM and verifying the phone number in person, because my number was permanently " blocked '' for associated fraudulent use and/or synthetic identity theft. I then called XXXX, and XXXX would not answer my questions because I did not have a XXXX app, but instead instructed me to contact my bank directly with any concerns.
On XX/XX/2019, I followed up with Capital One regarding the Fraud Alert on my account and informed the representative of my conversations with XXXX XXXX, XXXX, and the concern that pieces of my identity were being used to create other synthetic identities. I requested that Capital One do an isolated check using only my cell phone number to verify whether Capital One has any open, active accounts associated with my cell phone number other than the two ( 2 ) active accounts that I currently maintain. The associate checked her system, and then verified that her system showed that my cell phone number was currently associated with FOUR accounts. She put me on hold while she looked into how to flag the system and remove my cell phone number from the fraudulent accounts.
However, when the Capital One representative took me off hold, she informed me that she spoke with her supervisor and was actually mistaken and misread her system, because they cross-checked their system with my social security number, and they found " no additional accounts associated '' with my social security number and cell phone number.
Because I had already been alerted from XXXX XXXX about the possibility that individual pieces of my identity were likely being used to create new, synthetic identities, I asked the associate to confirm whether any additional accounts showed up as being associated with my identity using ONLY my cell phone number, mailing address, or email address individually. However, the representative refused to answer and instead stated that they " cross-checked '' all information with my social security number.
To date, Capital One has still not confirmed what steps or actions it has taken to combat and prevent this or other synthetic identity fraud.
|
08/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
My husband & I had an existing mortgage with Capital One Bank & we refinanced it recently to get a better interest rate. I explained to Capital One that we needed the payment date to be on the XX/XX/XXXX, because my husband got paid on XX/XX/XXXX and I got paid on XX/XX/XXXX. When we went to close on the loan on XXXX XXXX, we noticed the payment due date was XXXX XXXX. We explained that would not work as the money would NOT be available on XX/XX/XXXX and we offered to delay the closing, so we could get the payment date we needed. XXXX XXXX with Capital One assured us that we could go ahead and close on the loan and she would CHANGE the payment due date to XX/XX/XXXX, so we agreed and closed. The payments were set up to be electronically deducted from our checking account on XX/XX/XXXX. Both XXXX XXXX and XXXX with Capital One promised me that under no circumstances would they over draft the account. If the money was not in the account on XX/XX/XXXX it would automatically cancel out the electronic payment. I had no reason not to believe them. So on XXXX XXXX I attempted to use my debit card to buy a {$1.00} bottle of water and the transaction was declined. I could not understand why because I was promised several times that Capital One would not overdraft my account. I checked my account and it was over drawn because the loan payment had been deducted from the account. I called the local branch and spoke to XXXX complaining and raising XXXX because she had said that would not happen and she told me to chill out and said at midnight the charges would be REVERSED since the funds were not available and the account would not be over drawn. That was the THIRD LIE I WAS TOLD. I was promised they would CHANGE MY PAYMENT DATE TO THE XX/XX/XXXX -that was the FIRST LIE, I WAS TOLD THEY WOULD NOT OVER DRAFT THE ACCOUNT - 2nd LIE, I WAS PROMISED THEY WOULD PUT THE FUNDS BACK AT MIDNIGHT - 3rd LIE, I was told the first time Capital One attempted to deduct the funds from my checking account and they were not available, it would automatically CANCEL out the electronic payments - 4th LIE. Fortunately, I did n't trust them after the first 3 lies and I called the XXXX number and they explained that even though the account was overdrawn in XXXX, it did not cancel the automatic payments. I was able to CANCEL the payments before the same thing happened again in XXXX. I filled a complained with the founder of Capital One and was referred to someone by the name of XXXX XXXX. She would always promised to call back on a certain date, but then NOT call back on that date. After playing telephone tag with her for several days she said, she can not change the payment date, and that she does not have a boss, because I asked her WHO ELSE I could escalate this too. I would have NEVER refinance this loan, if I had know they were lying to me about getting the payment date that I needed.
Now I have this 20 year mortgage and Capital One thinks I will be happy paying my mortgage payment during the GRACE period for the life of the loan. That is NEVER going to happen! I want what I was promised. I was promised my payment date would be on the XXXX of each and every month and that is what I want. I do n't care if they have to re- do the loan or what they have to do.
|
11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
I have spent approximately XXXX hours diligently attempting to correct the errors on my credit report, in compliance with the FCRA. Unfortunately, these errors have caused significant distress and financial damage, violating my rights as outlined by the FCRA.
The consequences of these errors include but are not limited to : 1. Loss of housing opportunities : The inaccuracies on my credit report have resulted in the denial of housing opportunities, depriving me of suitable housing options. This violation of my rights under the FCRA has caused financial hardship, emotional distress, and mental anguish.
2. Emotional stress and mental anguish : The ongoing struggle to rectify the inaccuracies on my credit report, despite my diligent efforts, has caused substantial emotional stress and mental anguish, infringing upon my rights under the FCRA.
Despite multiple attempts to rectify this matter, such as sending letters to the Federal Trade Commission ( FTC ) and submitting dispute letters to CAPITAL ONE, no substantial action has been taken to correct the inaccuracies and remove the fraudulent accounts from my credit report, as mandated by the FCRA.
Therefore, I implore you to fulfill your obligations under the FCRA and take immediate and appropriate action to rectify this situation. I kindly request that you : 1. Conduct a thorough investigation into the accounts listed above and their association with my identity, in accordance with the FCRA.
2. Remove all fraudulent and incorrect accounts from my credit report, as mandated by the FCRA.
3. Update my credit report to reflect accurate and updated information, in compliance with the FCRA.
4. Provide me with written confirmation of the actions taken to resolve this matter, as required by the FCRA. Please be advised that the damages caused by these inaccuracies extend beyond mere financial losses. Under the FCRA, I am entitled to fair compensation for the harm I have endured as a result of these errors, including financial losses, mental stress, and mental anguish. It is imperative that CAPITAL ONE recognizes the gravity of this situation and takes immediate action to rectify the errors on my credit report. If CAPITAL ONE fails to take appropriate action within a reasonable timeframe, as prescribed by the FCRA, I will be left with no choice but to seek legal counsel and pursue legal remedies to ensure that I am fully compensated for all damages incurred. This may include filing a lawsuit to seek restitution for financial losses, mental stress, and mental anguish caused by CAPITAL ONE 's failure to address these issues, as provided for under the FCRA.
I trust that CAPITAL ONE will demonstrate full compliance with the FCRA by promptly investigating and resolving this matter. I expect a written response detailing the steps taken to investigate, remove the disputed accounts from my credit report, and provide the necessary updates, as required by the FCRA. Additionally, I request written confirmation of the resolution of this matter and the removal of the inaccurate information from my credit report, in accordance with the FCRA.
I have attached supporting documentation, including copies of the letters sent to the FTC and previous dispute letters submitted to CAPITAL ONE, as evidence
|
08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
Refinanced my XXXX XXXX with Capitol One in XXXX, XXXX. On XX/XX/2023, I hit a deer on my way to work. My claim was submitted to XXXX XXXX, who declared it a total loss on XX/XX/2023. They contacted Capitol One for payoff information and notified them of the total loss.
For over FOUR ( 4 ) months, Capitol One has failed to provide XXXX XXXX with the title so that the total loss payment can be made and this loan paid off/satisfied.
I have called Capitol One multiple times a week, every week, since the wreck on XX/XX/2023 to check on the status. I talk to customer service reps that just read log notes to me on the status. When I challenge them on items that are wrong, they look further and admit Capitol One has the information. Every time I call, I get a different response and there's always an excuse for why they have not resolved the matter.
For instance, I sent the vehicle title to them at the address they provided. Then they told me they had it, but they needed a lien release from my prior lender, XXXX XXXX. Then, they said they were obtaining the lien release from XXXX XXXX. Then they told me they never received my title. Then, they needed a Power of Attorney for to get a duplicate title issued. I executed one and returned it to the address they provided. That was lost too. So, I had to provide another set of POAs in XXXX, so they could obtain a duplicate title. In XXXX, I was told they had submitted the application for a duplicate title to the XXXX XXXX. That was either wrong or that was lost too because they still have not applied for the XXXX title. Then I was told, once again on XX/XX/XXXX, that they needed a lien release from XXXX XXXX. The same lien release they said they were waiting on in XXXX. Then on the same call, I was told they did, in fact, have the lien release.
Per a phone call to XXXX ( ID XXXX ) in the Capitol One Title Resolution Department today ( XX/XX/2023 ), Capitol One has received all of the documents and they are just waiting for a " back office review '' of the documents before they are sent to the Missouri XXXX. They have told me it will take at least 28 days to get a new title from the Missouri XXXX. At that point, they will forward the title to XXXX XXXX so that the final payment can be issued. This all seems to be yet more delay tactics.
I stopped paying my auto loan payment in XXXX, 2023 because of these delays, which are not my fault. Capitol One has been in contact with and has received confirmation in writing from XXXX XXXX that the vehicle is a total loss and XXXX XXXX has the totaled vehicle in their possession ( since XX/XX/2023 ). All XXXX XXXX needs and is waiting for is the title from Capitol One. Meanwhile, I have not been able to get my replacement vehicle licensed with the XXXX because of documentation needed from the XXXX 's total loss. I am being pulled over by law enforcement for expired temporary tags.
I am asking for the CFPB to make Capitol One review my case, expedite my title process, provide the title to XXXX XXXX so that the final payment can be issued and that Capitol One remove the late reporting on my credit history - as they have been the sole cause of delay in this matter. XXXX XXXX has handled my claim perfectly -- Capitol One has been a nightmare.
|
01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
On XX/XX/2023, I saw on my credit report there was a {$19.00} amount showing for the Capital One Walmart credit card that I had closed in XXXX. I signed into what I thought was a closed and done account to see there was an interest charge that was posted on the XXXXXXXX XXXX XXXXXXXX for {$19.00}. Also, another charge was posted for a late fee from XXXX XXXX for {$19.00}. I thought and was told my account was paid in full when I called to close the account on XX/XX/XXXX. I asked for a final statement too be mailed to me, which I received. I was sent the XXXX bill with the amount I had paid to pay off the card. In the letter it gave 4 different reasons, one being that my account had been closed and had a XXXX balance! The other three reasons couldn't be applied to the letter.
I understand residual interest, however, how was I know there would be any charges when I had been told the account was closed and I had a XXXX balance? Your policy on this is extremely deceptive. Had I not seen the amount on a credit report, the charges, and late fees would have continued on and on. Myself having XXXX knowledge because I had requested the card be closed after having paid what I was told was the final amount, and my account had a XXXX balance! Again, this wasn't only by phone but your company verified it by mail.
I first spoke to a customer service rep who was of no help so I requested to speak to a supervisor. XXXX came on the line and like a robot answered everything I said with the same answer as if he was reading it from a card. I asked for the charges to be removed from my account and was told no. I then asked to remove the late fee, which he did. He then asked which account I wanted the payment taken from and I told him and he said ok, I said goodbye and so did he. A short time later, when checking my accounts there was no payment listed. I called back and ask for a supervisor, this time getting XXXX who spoke to me like a human being. However, after telling her, she says she sees that I was given a credit for the late fee but there was NO RECORD of me having just called an hour before! Though she tried to be helpful all she did was give me a confirmation number for the debit of my bank account for {$38.00}. Yes, even though I was given credit for the late fee, I still had to pay the full amount. The credit wouldnt apply for 3-5 days. When I continued to ask for the date of the next time Id be hit with interest charges or was that all, XXXX said she had know way of knowing! Well if she has no way of knowing, how am I to know other then have to check several times a day every single day as now I live in fear of missing a payment of something that Capital One said I had a XXXX BALANCE on.
This shouldnt be happening, I was told by XXXX and XXXX that there was no way they could remove the interest charges. Thats a lie, on the back of there own statement it says they can if THEY WANT to. I had never once missed a single payment, not once. However when you did hit me with that interest charge my rate jumped from 29.99 % to 31.99 %! Is that even legal to do? If so, that isnt right, this is why people are in trouble with credit cards and file bankruptcy! As if 29.99 % was so far above the average XXXX amount of interest to start with.
|
08/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL BANK NA XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
06/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
We have already been unfairly foreclosed on. What drove us into foreclosure was wrongfully forced placed insurance charges of {$20000.00} and a sheer lack of incompetency from Captial One 's customer service of former XXXX Customers. Prior to XXXX being purchased we were charged the following amount for FPI : XXXX Forced Placed Insurance Charges {$6900.00} XXXX Forced Placed Insurance Charges {$6900.00} XXXX Forced Placed Insurance Charges {$6900.00} Total Amount Wrongly Charged - {$20000.00} I provided my insurance information to XXXX , and they reversed the erroneous charges. When Captial One bought XXXX , the correct information for my account did not get transferred over correctly and we ended up in this situation. Although we were a little behind on our mortgage, ( my Mom got sick and passed away. I was traveling back and forth helping take care of her for XXXX months while working full time and taking care of my XXXX small children and unfortunately a lot of things fell by the way side. ) I know that is n't a valid reason for missing payments, however, it is what it is. When we were served the foreclosure papers, I immediately called to make a payment to catch us up on our mortgage but what I was told is that the payments were almost triple the regular payment because of old forced placed insurance charges. Although I was frustrated, I thought no big deal ; I 'll just submit the documentation, and they will correct the error. Had that amount not been part of the equation, we would have had an affordable solution to become current on our mortgage, and the foreclosure would have stopped..which is what we wanted. What I genuinely believed to be a simple fix ( provide insurance coverage paperwork and receive credit ) became a nightmare of being bounced between Capital One departments and people with none of them being able to take care of the mistake. For XXXX months I called repeatedly got the runaround and misinformation, no information, request to please resend the information. They even had me call this other organization that was supposedly handing forced placed insurance issues from XXXX , and that was a dead-end. I tried other processes to seek to get the attention of someone, anyone at Captial One , who cared an iota and would see the mistake we were being penalized for. Loan modification, other payment plans, etc. to no avail. I was already dealing with the death of my Mom, and once this stress was piled on top, I became complete deflated and depressed and felt utterly helpless to fix this error. I was naive and honestly thought that the issue would get resolved, I provided all of the information that proved I did n't owe this additional money, as well as bank records indicating that the FPI accounting errors were cleaned up when it was still XXXX . Yes, I should have gotten a foreclosure attorney earlier, but I did n't because I never imagined the issue would n't get resolved. We were at the mercy of how well XXXX companies merge and integrate their systems and in our case ; this information was n't right, and we became a casualty of mismanagement. The toll it has taken on our family financially, emotionally, mentally and physically is beyond words.
|
06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KOHLS/CAPONE XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Capital One XXXX. XXXX XXXX XXXX, VA XXXX Reference account : To Whom It May Concern : I have recently been informed that there is a negative information reported by capitalone also known to me as XXXX XXXX XXXX in the file you maintain in XXXX regarding my XXXX XXXX XXXX account # XXXX which your claim of XXXX placed on this account as if I never paid this money on a duplicate account that your representative open a new account leaving me with 2 active accounts the other account number is XXXX ( your sales person was not paying attention to what I requested, when making this purchase in XX/XX/XXXX. I was paying my original account while fees were applying to an account that was wrongfully opened. I spoke repeatedly in hours long conversation with many people at capital one to resolve this matter. Each person I spoke with led me to believe this shouldnt be a problem and they will fix this issue, only for it to arise again. I last asked in XX/XX/XXXX verbally for capitalone to fix my credit score and they stated it would be resolved. They fixed my account but my score still remains as if I was derogatory in paying something that I paid. My request to your sales person was to pull up my account so I can make the purchase in the store without having my credit card with me at the time. My request was never to open an additional account for the same store, which has resulted in this poor score causing massive confusion ).
I challenge the accuracy, compliance and report ability of this listing.
Please validate this information with ( XXXX, XXXX, XXXX and Capital One and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Please note that you have 30 days to complete this investigation, as per the fair credit reporting act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of you actions, including your Method of Verification. I do not consent to XXXX-XXXX or any means of automated verification Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violations for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit reporting act Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status My contact information is as follows XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Last 4 ssn : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an oline public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office ( XXXX XXXX ) Cc : XXXX XXXX XXXX
|
11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Hello. I have reached out to the credit reporting agencies multiple times before, and have not received remedy to my issues. It has come to my attention that according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer.
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX simply meaning they DO NOT have my consent to furnish this information and they surely do not have my written consent. I hjave NEVER given anyone written consent to furnish my information to anyone. Any and all consent to XXXX XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Not only that -15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
10/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I have a credit balance on my credit card from CapitalOne. With other banks I have done business, the process is very simple to have a check issued and mailed to my house, which is the address on file with the bank. I had a bank credit recently with a card administered through XXXX. I called and said I had a XXXX XXXX, and asked for a check and they very simply said " ok we'll mail you a check. '' I had XXXX bank recently where when I called, the automated system even suggested getting a credit refund as an option. I called, the system pulled up an account, said my XXXX XXXX, and asked if I wanted a credit issued. I just pushed a number on the phone to say yes and it was so easy and time saving.
This has been my experience with CapitalOne though : I first called about a XXXX ago and asked to a representative. She said to help me, she had to verify my identity to protect my account and asked for permission to text me a code. She read a disclosure, and I said yes. Then she immediately said it would not go through. It was so fast, it didn't even seem possible that she actually really did this action. I asked her to try again, and it would not go through. She said she'd have to try another way, and that she will text me a link I can upload a photo of my government ID. ( This seemed fraudulent to me. ) So I tried and then the system said it couldn't upload my ID. I asked if there was any way I could get my money back, and she just could not help.
I was XXXX by not having any options, and hung up. I checked my account online to see if I had my correct phone number, and make sure everything was up to date. I tried to see if there was a way to request a credit refund through the online portal. There was not. I tried to see if there was a way to file a complaint. There was not. I could not find any options to receive my own money back and did not know what to do.
I tried calling again XXXX ( XX/XX/22 ) and had the same experience. I then asked to speak to a supervisor. Same thing happened again. I expressed that I think it's their phone system ; she said it's mine and I can contact my phone carrier, and sometimes their " short messages '' go through. I have no idea what this means or how to do this and absolutely should not have to do anything like this.
When she had me follow the link in the text to upload my government ID - I tried this XXXX and she even said she could see my ID. She can tell it is me, and yet she still can not issue my money back. I uploaded it XXXX times and it would not let me processed. The system gave a message that my ID must be in " rough shape '' or expired. It is a brand new ID card. She then said I can upload my document and asked how I'd like to do that, online, by fax, or by mail. I ask how is that any different than what I have already done - it's the same ID?
I've spent over an XXXX so far on this, and I seem to have no way to get my money. I asked if they have a policy where they will automatically issue a check to a cardholder who has a credit balance. The supervisor said they have no policy like that. So their policy is to keep any money they can, and when you request it you are unable to have your request honored. I do not understand how this is legal. I would like my money back.
|
09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a XXXX XXXX XXXX in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.
15 USC 1681 section 602 A states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
This complaint is about Capital One and XXXX XXXX not protecting their customers. I purchased a XXXX XXXX XXXX XXXX XXXX online for {XXXX. My friends received the gift card but could not use it because XXXX XXXX XXXX closing its local stores and started not accepting XXXX XXXX online either. I called XXXX XXXX XXXX and no one answered the phone.
1 ) I then called my XXXX XXXX Capital One, and explained the situation that the card I received can not be used anywhere and it is worthless so I asked for my money back and filed a dispute for them to reverse the charges. They credited my acc and said will get back to me.
2 ) Then, Capital One recharged my acc and sent me a letter saying that the merchant said I received the gift card. I called them back frustrated and told them that I didn't say I didn't receive the card, the card was received but it can not be used so they sold me a gift card for XXXX which is worthless and they don't pick up their phones. Capital One XXXX XXXXXXXX looked at the original complaint and said he saw that I was complaining about the card not being usable not that it was not received but he still told me that they have a " process '' that they follow as well as XXXX XXXX. The Capital One card I have is from XXXX XXXX. I argued that the process does not make sense because the gift card received does not work. He then made me send Capital One a signed letter with a bunch of information, and proof of purchase as if they don't see it on my credit card. So I explained the original story briefly on that signed letter and sent it to them with a copy of an email received from XXXX XXXX XXXX as proof of purchase showing the details of the transaction. Capital One credited my account again and said they will get back to me.
3 ) Capital One got back to me again with a third letter saying they may charge the XXXX back to my account again if I don't send another letter responding to their ridiculous demands like sending a sales invoice or purchase agreement which I just sent them the proof of purchase. More ridiculous demand was for me to get a " Second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly etc. " so they are telling me to go find another company like XXXX XXXX XXXX and ask them to give me their opinion on this problem on their company letterhead what XXXX XXXX XXXX made wrong etc. Who in the world with the right mind would ask that! XXXX XXXX XXXX simply sold me a gift card that can not be used and worthless for XXXX and I just asked for my money back! A child can understand this but Capital One and XXXX XXXX seem they can not or the people working for them!
My conclusion from filing this dispute with Capital One is that : a ) Capital One and XXXX XXXX made their dispute process ridiculously terrible to discourage their customers from filing disputes.
b ) Capital One and XXXX XXXX are not protecting their customers who use their credit cards but they protect the merchants.
c ) I understand and value more how XXXX protects its customers because I had XXXX dispute with them and it was nothing like the experience with Capital One and XXXX XXXX.
d ) I will not refer anyone to Capital One or any XXXX XXXX.
|
07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I have tried to dispute information that was reported on my XXXX credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail.
I got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX.
They tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!
|
09/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
On XX/XX/XXXX, I woke up to 130+ transactions totaling to over {$2500.00} appearing in the XXXX XXXX ( App by XXXX for XXXX XXXX XXXX for my XXXX account that I did not recognize or authorize. XXXX features a payment service called XXXX XXXX that allows users to send money to other users on XXXX. My belief is that someone logged into my account and used it to send money to accounts I did not recognize. The manner in which someone was able to do this is not known to me. What I do know is that I did not authorize or make any of these transactions.
The transactions were sent to three different XXXX accounts, all which appear to have since been deleted or deactivated from the XXXX platform. The names that appeared on the accounts that money was sent to were " XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX ''. Again, I do not recognize these accounts and did not authorize any transactions through XXXX pay to these accounts. In fact, I did not make any XXXX XXXX transactions on XX/XX/XXXX.
The unauthorized payments charged 4 payments options which were behind a XXXX account that I had linked to XXXX XXXX Of these 4 payments options, 2 of them were capital one credit cards- a Savor card and a XXXX card. On XX/XX/XXXX, I filed a fraud claim for all of the above mentioned unauthorized transactions charged from XXXX through XXXX onto these 2 Capital one Cards. They changed my card numbers and summitted 2 fraud cases ( one per account ) for me covering all of the unauthorized transactions.
Today, XX/XX/XXXX, I have received notification from capital one that both of my fraud claims have been denied due to " insufficient evidence ''. The reason stated for both denials is that the " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' This is absolutely false. These transactions were not made by me, the sole user of my account. I do not share my account with anyone else nor have I revealed or given my password to my XXXX account to anyone else I know. Again, I did not recognize any of these transactions. I do not have a lot of tools at my disposable to provide additional evidence of this, but I suspect XXXX ( XXXX ) would be able to provide some. Unfortunately, despite repeated attempts to get in touch with XXXX, I have been unable to receive any support. As suggested by a Capital one agent, I filed a police report for this fraud with my local sheriff 's office on XX/XX/XXXX.
I feel that I have exhausted my options as a consumer and have honestly lost faith in systems that I felt had safeguards to protect me from fraud. I feel this was pretty candidly fraud and unfortunately, it seems capital one does not agree.
Below is a list of the unauthorized transactions that were made to the two capital one Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
On Tuesday, XX/XX/XXXX around XXXX. I called into Capital One because I book reward travel using my accrued Capital One Venture miles on Sunday, XX/XX/XXXX redeeming XXXX miles. Screenshot is attached. Capital One website stated travel was booked and gave me a booked confirmation code. I requested that the email be sent and as of today I didn't a confirmation email. So I called Capital One on the XX/XX/13 around XXXX and I explained my concerns to the rep who in turn warm transferred me to XXXX. The female rep you transferred me and XXXX identified XXXX as a Supervisor in Capital One Help Desk.
I explained the XXXX the issue and how capital one 's website was reflecting my travel arrangements as booked and confirmed. XXXX looked and said it seems there was an error in our system the travel wasn't booked. I asked how is that possible when I'm signed on and the website reflects my flight reservation on XXXX XXXX for Saturday, XX/XX/XXXX as booked and confirmed and why didn't I get a communication that my reservation was canceled. So XXXX responded with I keep asking her the same question and she doesn't know if I am telling the truth. I responded so you're calling me a liar. She said she didnt call me a liar I stated you implied that I'm not telling the truth which means I'm lying. ( I have never heard of such a thing to boldly and casually call a client a liar ) So XXXX placed me on hold and came back and said, it seems there was an error and your flight wasn't booked and she can help me book another flight. I responded with no need but I need confirmation so to make sure I understood I repeated what I heard and asked her about my miles. I asked was the miles debited she said no but I told her that capital one website reflect that my miles were debited. It seems so was getting annoyed and impatient and agitated. So I asked if she could provide me with the total number of miles I had on Friday, XX/XX/XXXX because I wanted to calculate the total number of miles. She said no..
Since I wasnt getting no where with her I asked her how do I identify who she is when I write a complaint because I don't want my complaint to be assigned to the wrong employee. She replied with I told you at the beginning of the call that my name is XXXX and I am a Supervisor. This went on for some time. I asked how do I identify you I gave examples such employee number, employee badge or last name. She said her name is XXXX and she is a supervisor. I then ask who can I write my complaint to either by email, phone or mail. She said I came submit a complaint about her to her. I found that hard to believe and ludicrous. She policing herself. Really??
Long story short I had to hang up call back explain my ordeal all over again and when I advised I was making a complaint through CFPB that is when I was transferred to the escalation department. It was during that call I learned XXXX was supposed to provide me with her employee number for easy identification and I was also informed that there were no records of her in my account nor any notes. She attempted to wipe away her tracks so that it doesnt get tagged back to her because she was completely horrible and unprofessional and as a Supervisor I hope your employees does not follow her example.
|
10/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
About 3 months ago I entered into a consumer credit transaction with XXXX ( car dealership ) for a XXXX XXXX XXXX. My credit card ( social security ) was used, I m aware that congress defines a credit card as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Pursuant to 15 U.S. Code 1602 ( l ).
Now Capital One Auto is harassing me daily by calling at inconvenient times, sending me now a threatening letter saying they will repossess the vehicle if I do not pay the amount " past due '' for account # XXXX.
I already sent them last month their payment coupon which was endorsed and Capital One XXXX did not send me notice of their decision of either honoring the endorsement or not. It is my understanding if a notice of dishonor was not sent to me, then Capital One XXXX should not be trying to " collect '' such alleged debt.
I have also sent them a billing error notice attached to that payment coupon.
I am also notifying them once again via this complaint of a billing error : Pursuant to 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) Creditor must provide evidence upon request to verify a billing error otherwise there is a violation of 15 U.S. Code 1666b.
There have been statements that have not matched my records and statements which have not been in accordance with the disclosure from CAPITAL ONE XXXX that I received at the consummation of the transaction. I am formally giving notice of this billing error until I receive ALL documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S. Code 1666b.
I have reason to believe and do so believe the billing statements received by CAPITAL ONE XXXX, on all past, present, and future billing are billing errors pursuant 12 CFR 1026.13. I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account.
I am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ).
I invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ).
I am aware, CAPITAL ONE XXXX as the creditor may not collect any disputed amount, I the consumer, does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by CAPITAL ONE XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for CAPITAL ONE XXXX for the actual damage caused to I, the consumer as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error.
|
04/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
I have a Capital One credit card account. I closed that account previously with a balance I was paying off. This was my own initiative I was not forced to close the account. Recently I paid down a credit card account I have at XXXX XXXX, with a much better interest rate, and initiated a balance transfer from the Capital One Master Card account for it's remaining balance to the XXXX Visa account. I paid a 3 % balance transfer fee to XXXX and the balance transfer was initiated on XX/XX/2021. Two days later XXXX XX/XX/2021 XXXX notified me that the balance transfer was completed. At this time I begin paying interest to my XXXX Visa card balance which now has the former Capital One Master Card balance added to it. However, on the XXXX of XXXX Capital One still shows my former Master Card balance as unpaid which I will also be paying interest on ...
Two banks claiming the same balance, both collecting interest.
I contacted Capital One by phone on the morning of the XXXX of XX/XX/2021, after researching the transaction they insist, they have not been paid.
I contacted XXXX explained what I had been told by Capital One regarding not being paid to clear the balance on my Capital One Master Card, and they say Capital One was paid, and I was provided with the ACH trace number XXXXXXXX for the balance transfer payment to Capital One. They said they would research the matter further, but were confident the balance transfer was completed.
Currently two banks both are charging me interest on the same balance. I'm sure one of them is right and one is wrong. If XXXX is right, Capital One was paid, and is delaying posting the transaction and benefits by collecting interest they are not entitled to. According to Capital One published policy regarding Master Card customers, payments received are posted to customer accounts the same day. If Capital One is right, they have not been paid, and XXXX has posted a balance to my account to accrue interest that they have not actually transferred funds to acquire the balance and the right to start charging interest on that balance.
It is my opinion that Capital One is wrong and was paid ... delaying posting payment and collecting whatever interest and fees they can, while they believe they still can. If Capital One was such a good bank, I would not have closed this account months ago, and just kept paying them off bringing our banking relationship inevitably to an end ... However, I don't know for a fact who is right or wrong, but I don't believe both banks can simultaneously own the same credit card balance and both be charging interest and fees on it.
Attachments : 1. XXXX balance transfer history. ( indicates date balance transfer was initiated ) 2. XXXX Visa account activity. ( indicates date balance transfer posted, Capital One paid, transaction complete. I begin paying interest on the new XXXX Visa balance. ) 3. Capital One Master Card unpaid balance screenshot. ( note computer date lower right hand of screen, XX/XX/2021. ) 4. Capital One published Credit Card electronic transfer/payment policy. ( This is not the only published Capital One bank policy regarding payment posting, but they both say electronic payments received are posted the same day ... that is their policy. )
|
10/31/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
I have recently, during XX/XX/XXXX, experienced numerous attempts of collection of a debt from XX/XX/XXXX that I am not aware that I have incurred. Each time I have been contacted, I have requested an itemized list/bill/receipt ( anything ) that identifies the specific purchases claimed to have been made and location so I may review for validity. Kohl 's claims they can not provide that level of detail, nor are they required to do so. I have contacted Capital One, as instructed by the collection agents, and requested the itemized data. Capital One indicated they would request the information be provided from the retailer, Kohl 's. I have since only received information regarding the totals and locations of the claimed purchases made. I have explained that to my knowledge the account was closed prior to the purchases/billing claimed to have been made. I have explained each time that I have never received a bill for the itemized purchases and that my consistency of payment history w Kohl 's prior to the claimed default substantiates my claim to have never received an itemized bill for the claimed purchases. I have repeatedly offered to pay for what Kohl 's can demonstrate are purchases that I or my wife actually made on the account while it was open. There has been no attempt by Kohl 's, nor Capital One, to provide me any detailed information regarding specific purchases made, nor authorization when they were made. Furthermore, I never received an itemized bill, nor any billing statement for the charges prior to default collection initiation. Please note again that my payment history w Kohl 's prior to the alleged default substantiates my claim to never have received a bill for the claimed but unidentified debt. As I understand, consumer protection law requires the provision of identification of the claimed purchase ( s ) from the business claiming the debt to be due. This requirement has yet to be met by Kohl 's or Capital One, as has been requested each time contacted and also requested directly from Kohl 's and Capital One. From my perspective, based on collections harassment and failure to substantiate the claimed debt with itemized purchases identified and authorization evidence, it appears that my rights as a consumer are being infringed upon. We do not recall doing business with Kohl 's for many years due to dis-satisfaction with Kohl 's, upon which I recall paying off and closing our account prior to the subject purchases in dispute.
Follow-up communications from Kohl 's and our rebuttal, resolution previously attempted via BBB, are also attached.
We have yet to receive a response from Kohl 's addressing our rebuttal to Kohl 's response to our initial complaint submitted. While in dispute the calls to collect the debt have continued. Kohl 's has an apparent history of breach of privacy of customer account information and fraudulent purchase activity for which we should not be held responsible.
A consumer should not be responsible for a claimed debt that can not be substantiated with evidence provided to the consumer of the consumer authorizing the debt. We have no knowledge of authorizing the claimed purchases nor of what items are claimed to have been purchased. We did not make the claimed purchases.
|
06/13/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
My problem is with Capital One 360 Savings and IRA Savings. I wanted to roll over ( within the 60 day legal timeframe ) a check from XXXX XXXX ( my old IRA ) to Capital One. XXXX issued me the check on XX/XX/XXXX and I received it by mail a few days later. I took about 2 weeks to find the right product and rate. I decided on Capital One.
I logged in and the Capital One website forced me ( by social security number ) to link this new account with my old Capital One account that has been closed out for about a year. Capital One requires a cell phone number on the account which has now changed for me. I entered the new number, and the website linked with the phone provider to verify my name. I have a family plan with XXXX XXXX XXXX and all phones are in my wife 's name and XXXX XXXX XXXX will not change it to my name. So I was unable to move forward with the 2-step verification process.
I called Capital One on or about XX/XX/XXXX and the customer service reps tried to get the phone # field option to work with no success. After several days and hours on the phone with Capital One, the customer service rep asked if my wife would be ok with opening a joint account with me. She agreed and the rep walked us through how to open that account. The rep then directed us to the proper Rollover form and told us what account # to indicate. The rep said the check would have to first be deposited into our joint savings and the moved to the IRA rollover account. I filled out the paperwork as instructed and mailed in in.
On XX/XX/XXXX, Capital One deposited the check into our joint savings. I logged in to move it to the IRA savings within the 60 day legal timeframe but the rep in error only set up and IRA savings for my wife, not me. The funds are earmarked as IRA money in my name only ( not my wife ).
We have spent hours on the phone ( including every evening between XX/XX/XXXX and XX/XX/XXXX, and the mornings of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) trying to get any manager from all possible departments to move that money to an IRA savings for me so that I meet the 60 day requirement, however, they just state they are unable to help us and keep transferring us to other department. They refuse to give me a direct phone number for any high level contact - only general numbers. I have to restate my problem every time I call.
The 60 day timeframe has expired and I am looking at heavy IRS and State penalties for early withdrawal. I will need to pay expensive fees to an accountant and possible an attorney to resolve this matter. My money is being held hostage by Capital One with no resolution in site. They are willing to refund the money to me but refuse to earmark the money as IRA funds, as it came into them, so I will not be able to deposit it to any other financial institution as an IRA rollover. I asked for a letter from Capital One stating their errors, and they are not yet willing to write me a letter.
I have followed Capital One 's instructions at every step. I was given erroneous information. Through no fault of my own except following the explicit instruction of their customer service reps, I may loose thousands of dollars from my IRA investment.
I appreciate any help your organization can provide.
|
08/02/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
To Whom It May Concern : I have submitted several complaints through the Consumer Financial Protection Bureau regarding Capital Ones unethical practices and making false statements including not reinstating sending me monthly statements for my equity line of credit, falsely referencing that I have not made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and that I am in active bankruptcy. These issues have not been resolved to date and are still open and none of Capital One Bank responses to date have addressed these items. Please I need Capital One to respond to this complaint with a direct answer to the following items that are my complaints. 1 ) Reinstate sending monthly statements and online access to my account In your response from XX/XX/XXXX ( enclosed ) in the 3rd paragraph, Capital One stated : In reviewing you loan, we confirmed that the account should have been reinstated when the partial reinstatement payment of {$1000.00} was processed on XX/XX/XXXX. At that time, monthly billing statements should have resumed and been mailed to you. To date, I have not received one statement. Based on Capita Ones own admittance that I should have started to receive statements, as agreed to, I demand that Capital One bank start to send me statements and allow me to access my account online. 2 ) Credit my account for payments made and cashed by them. Correct their records and statements regarding me owing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX In Capital One bank response from XX/XX/XXXX ( enclosed ), you clearly show on the bottom of the first page of the letter that I made payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, Capital One bank contradicts this statement in the third paragraphs of the XX/XX/XXXX, XX/XX/XXXX and even XX/XX/XXXX ( all enclosed ). I demand that Capital One bank correct their records and any future correspondence to remove that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the XX/XX/XXXX letter from Capital One as well as the copies of cashed checks ( enclosed ) all show that payments were made. 3 ) Stop referencing that I am in active bankruptcy In all of Capital One letters keep referencing that I am in active bankruptcy. This is completely false and to prove that I am not in active bankruptcy, I am attaching a copy of my Chapter XXXX discharge ( enclosed ). There should be no references to me being in active bankruptcy when I am not. Furthermore, Capital One bank should not use that as a reason to not send me statements or anything else related to the active management of my account. 4 ) Remove all late fees, inspection fees, other fees Attorney fees : All late fees were intentionally fussed in, as Capital One would not credit the account when payments are made on time but rather delay. This bank has continuously used this method to intentionally pad the loan. Please directly respond to the three items I have clearly outlined above and stop sending responses that they have copied and pasted from past letters that do not address resolving the items I have clearly outlined above. I have attached bankruptcy discharge prove, and prove of payment checks. If this matter is not resolved ASAP, I will also file a consumer complaint with the Maryland Attorney Generals office.
|
05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
On XX/XX/XXXX, I deposited a XXXX check from my Grandfather in the amount of {$2000.00} to my Capital One checking account. A week later, on XX/XX/XXXX, Capital One deducted that {$2000.00} and told me they returned the money to the originator 's account at XXXX. However, that money has not gone back to XXXX. Capital One has kept the {$2000.00} due me and will not account for the funds.
I first noticed the issue in XXXX, and I contact Capital One to lodge a complaint and file an issue. I told them I am not demanding the money be given back to me- I can ask for another check - but that I merely need the returned check to be returned properly to XXXX and for them to send me documentation. A week later my account was noted to say that " the check was returned because of this reason '', but they failed to account for the funds. I took them at their word that the money would be placed back, and didn't notice again until XX/XX/XXXX when I visited my grandfather and asked for a new check. He told me it hadn't been refunded, so we visited a bank together and sure enough that money was never given back to XXXX. I called Capital One again to re-raise the issue, and was told the money was sent back. I told them this is verifiably untrue, and they told me they would get back to me. I called a few days later and had a different person tell me Capital One " never actually cashed the check so they didn't have the money '' - this is of course entirely untrue. The next day I received an email from Capital One stating that the check was returned, but without evidence of the money being returned to XXXX. I called one more time but they are unwilling to help further are steadfast in their desire to keep my money.
Now, I have the actual check as cashed by Capital One, with a Capital One deposit number, and evidence it was in my checking account for 7 days. I have confirmation from XXXX bank the check was cashed by Capital One. I have documentation from Capital One indicating they cashed it. What I do not have is an accounting of the money after it was debited from my checking account. It is still not at XXXX bank. As a matter of course, we filed a dispute with XXXX that on XX/XX/XXXX was rejected for being filed too late, but that rejection letter also indicates the money has not been returned to XXXXXXXX XXXX
What I am asking for, now, is that {$2000.00} to be given back to me in my account immediately. Capital One has, effectively, stolen money from me and used their inter-company procedures to stonewall, lie, and obfuscate the money in question. I am submitting this complaint as a last resort measure before I take them to small claims court.
INCLUDED IN MY SUBMISSION : 1. my account statement, showing the check deposit, the removal, and current balance reflecting my check being removed 2. an email from Capital One informing me the check deposit was successful 3. an email from Capital One telling me why they said they returned the check, 3rd piece of evidence showing they did in fact cash it, without any indication of the money in question 's location 4. An image of the back of the check showing Capital One cashed it 5. A letter from XXXX denying the dispute, indicating that {$2000.00} has never been returned to the bank.
|
07/02/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
Back in late XXXX or early XXXX I bought a pair of XXXX XXXX trainers shoes at Kohl 's in XXXX, SC. The shoes bottom started coming apart. When I tried to return them, I was told by the person that claimed she was the store manager and her name is XXXX XXXX ( later I found out that she was NOT the store manager but an assistant ). When she seen my shoes she told me " THOSE SHOES ARE BIO HAZARD AND I REFUSED TO TAKE THEM BACK ''. I asked her for a business card and she REFUSED to give me one.Then she said the shoes are dirty and I need to go home ( I live 17 miles away ) and clean the shoes and then I need to find the UPC number ( the number on the shoes that were defective had been worn and couldn't be read ). I told her all she had to do according to Kohl 's website was look up my credit card purchase and it would show her this number. She REFUSED. I drove 17 miles back to my house and contacted Corporate Headquarters for Kohl 's to file a complaint against this store manager and told them I either wanted my shoes exchanged or I wanted my money back and I would also return the nearly {$3000.00} of items that my wife and I had purchased from Kohl 's since XXXX. Corporate gave me the UPC # XXXX and told me to return to the store to exchange these shoes and if I had any problems to call them and they would handle it. When I returned to the store Corporate had already spoken to the REAL MANAGER a woman named XXXX.I asked her what her last name was and she REFUSED to give me that information. She was as rude as the other " manager ''. She said " you don't expect me to have my employees touch dirty shoes ''. I told her that when you wear shoes everyday on a golf course they will get dirty. She told me to go to the back and find a pair to exchange. I went back and found a pair of XXXX XXXX. When I brought them to her, she said these are NOT the exact color and she refused to exchange these and would ONLY give me the LOWEST PRICE as a credit that these shoes sold for in the last 4 months. I refused. I told her that was the only color that I saw. I asked her to go back with me and try and locate the right color. She told me that she was the manager and that if I wanted to exchange these shoes I would have to go back and find the right color. I asked her to have an associate go with me. She said that she would have an associate meet me back there. When I finally found the right color she then informed me that if these shoes tear up ( defective ) that if they have any dirt on them whatsoever she will NOT take them back for an exchange.When you wear shoes they are going to get dirty. If KOHL 's ADVERTISE HASSLE FREE RETURN, they are false advertising. I am a Former XXXX XXXX and Retired XXXX XXXX. When XXXX XXXX ( in front of other customers ) claimed that my shoes were 'BIO-HAZARD '' simply because they are dirty that is an INSULT. Kohl should better train their managers on how to deal with the public. I also had to drive 34 miles round trip and waste an hour of my time on what should have been a simple return for a defective product. I should be reimbursed for the time and travel and for being insulting. I am also a member of XXXX and I will make sure that XXXX is aware of how Kohl 's treat the Seniors and the Veterans.
|
01/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
The issue is with verification by the use of a cell phone number that I find to be a security risk. My online login password was not going through. I then went on to do a reset. The reset asked me for phone number to text a code. My phone on account is no longer valid. The Agent Walmart Capital One credit card advised the only way is by cell phone to text a code. I said I will then call in to make payments but would like statement mailed and update to a P.O. Box. I had to call in again to make a payment and request statement to find that statement and address was not updated. Second agent was able to take payment and update address. Upon calling Walmart Capital One credit card department to make a payment, the agent verified me through Social, phone number on account and date of birth as is the norm. I advised that Im calling because I am not able to login online. The agent submitted my payment online with no additional verification and then took it upon her self to transfer to see if there is another way for online log in which I really did not want to go through again. The agent I was transfer to checked other possible way and told me the only way is by adding a phone in which I advice I don't have a phone number on my name and the security risk that procedure is being that anyone can call in and provide any phone number to have a code sent. The agent stated that phone number would have to be under my name or system would not update. I advised agent that had previously added a phone number not under my name. I asked if I can send id. Agent stated I could but would need to include a call back number lol. I then advised agent to verify statement was being mailed, agent could not give information because of the phone number as he claimed it to be. I advised agent to check the address. Agent stated he does not see the address I mentioned at all. Well I call in again after trying to use the card and found out that a restriction was placed on the walmart credit card. I contacted capital one and they advised me restriction due to further verification. I explained that the previous agent could not verify phone for online log in but it should not have caused it to block the card it self. I also mentioned that the previous call I was verified through social, phone on account and date of birth. I then requested supervisor. Supervisor was kind enough to stay on phone and assist with email submission of Identification to activate account. The interesting part is that a phone number was still needed to be able to log in online. The other interesting part is that my correct address was on the account so somehow it was updated without having the updated phone number but the previous agent didnt want to go the extra to ask if there is another possible address which would have been the same related to the one I had mentioned to him with the exception of street number being a P.O. Box. So if the supervisor had not assisted the way he did I would not have a statement if incorrect address had been put in, the restriction will not provide any info by phone or allow me to make payment and then that would have put my account in delinquent status. I am still not able to login online so I am killing trees to have them send statement.
|
01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX This letter is being sent to the consumer financial protection Bureau as a form of notification that I have attempted to contact the credit bureaus and creditors reporting inaccurate information against me..
Capital one bank XXXX old debt 3 years old, no contract ( XXXX ) XXXX old debt paid ( XXXX ) XXXX XXXX- not mines, no contract, never validated, ( XXXX ) I recently pulled a copy f my credit report and to my surprise I noticed that you are reporting inaccurate data- such as REPORTING AN ACCOUNT AS COLLECTION MULTIPLE MONTHONS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLLECTIONS ONE TIME. OT 4TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS BRAND NEW COLLECTIONS EACH MONTH YOU HAVE REPRTED THIS ACCOUNT INACCURATLEY LONG WNOUGH RE AGING AN ACCOUNT IS A MISRESPRESANTAION OF MY CREDIT HISTORY. SO DELETE THSES ACCOUNTS NOW!!!! PLEASE!!!!
I fully researched my rights and found that the fair credit reporting act does not allow you to victimize innocent credit worthy people by reporting erroneous false information, under the FCRA, the following applies to me : FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act.
As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureaus.
Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, la XXXX CC : Consumer Financial protection Bureau
|
01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
This complaint is in connection with an unfairly denied credit card application by Capital One Bank. The card is the Venture Rewards Card.
I have perfect credit based on everything within my control. My credit report is 33 pages long. On 32 of those pages, there is green as far as the eye can see, indicating a perfect record of paying all of my credit card bills and mortgage paymen6ts on time for many years. In fact, over many years, according to my credit report, I've held 32 credit card accounts, many no longer open, some closed and replaced due to stolen card numbers or fraudulent charges etc. But over those 32 accounts, I've had 1,334 monthly opportunities to pay my credit card bill on time. I paid on time and in full in every single one of them- all 1,334. If that were only one account, that would represent over 110 years of perfect payments Similarly, I've held four mortgage accounts in my life ( only one at a time but have refinanced three times. ) Over those four mortgage accounts, I've had 160 monthly opportunities to make an on-time, in-full payment. Out of those 160 monthly opportunities to make an on-time, in-full payment, I'd made 160 monthly on-time, in-full payments. This is essentially one account and represents over 13 straight years of on-time mortgage payments. ( 13 years on the report, plus two additional years of 100 % on-time mortgage payments that did not, for some reason, show up. ) I've held no other loans in my life other than these two types ( credit card and mortgage ), exclusive of overdraft protection that " comes with '' checking accounts. In XX/XX/XXXX, XXXX made a mistake that caused an unintended, unrequested " loan '' to exist from my overdraft protection. The explanation behind that mistake -- actually two separate mistakes by XXXX -- would require a page and half explanation. But suffice to summarize as follows. I paid XXXX back every dollar that they advanced to me. XXXX itself acknowledges their mistake, finally, and has through its actions, ceased holding me responsible for interest owed on a loan that should never have existed in the first place. However, during the time it took to clear this up with XXXX, basically during the first half of XXXX, XXXX was reporting me as delinquent in paying interest on the overdraft loan -- interest I did not indeed owe. XXXX is trying to clear that up with the credit bureaus ( XXXX is the one I know about to which it was reported ) but that process takes months. In the meantime, Capital One is still denying me the Venture Rewards until I jump through all kinds of hoops with XXXX over many months to clear up a mistake XXXX made. that was no fault of my own. In any event it is only five monthly periods that XXXX claimed I'm delinquent ( on money that I did not owe ) against 1494 " green '' perfect payments on the other 32 3/4 pages of my credit report.
I believe this is discriminatory as it is statistically highly likely that Capital One has approved their Venture Rewards card for applicants who have a poorer on-time payment record than myself. I believe also that they are negligently denying me the card as no reasonable person, upon seeing my record of on-time payments, would have any reason to conclude that I was a credit risk.
|
03/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I XXXX XXXX file a complaint against XXXX XXXX XXXX and Capital One Bank USA N.A. It appears that once again, a national bank is at it again, selling off my past information to agencies such as debt buyers that are not even regulated for licensing in the Commonwealth of Massachusetts. Since the decision was made on Henson v. Santander Consumer USA, consumers throughout the United States are now stripped of their protective rights under the Fair Debt Collection Practices Act. I hereby attach a copy of a recent Experian credit report, and as you can see there is only one Capital One account on my report. Im in the middle of paying off my remaining charged-off debts as I went through multiple personal and medical issues over the past several years. Today I am gainfully employed and doing everything right to regain respectability in the credit community. I also had a default judgment reversed by a law firm that had to cover their aggressive collection practices by agreeing to vacate the judgment if I agreed not to file any additional complaints, such as with the Bar Overseers in the Commonwealth of Massachusetts. I had two collections reversed as they were outdated. Now my name is out there once again with the debt buying industry, an industry that is a complete scam to consumers in the United States. I am a woman of minority status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the Commonwealth of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership of the three attached attempts to collect on transactions that are no longer enforceable. Secondly, my information on these collections will eventually be posted on each credit bureau without prop of collectability, or that the debts are legitimate. We need action on a national level to permanently cease and desist this activity. I demand a release of these collections immediately and a statement that if any attempt to place these collections on any of my credit bureaus will be rescinded immediately. If these actions are not taken I will : 1 ) submit additional complaints within the Commonwealth of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking ; 2 ) submit complaints with the NAACP and Urban League, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts, and ; 3 ) I have three additional areas to steer this issue to that I will reserve at this time. These collections total approximately {$3000.00} and they are all illegal and uncollectible in the Commonwealth of Massachusetts. I demand my files to be purged with XXXX XXXX XXXX and Consumer Financial Protection Bureau sanctions against Capital One Bank USA N.A., for the free hand they have incorporated into the write off of re-aged debts. I will submit a complaint with each credit bureau to make them aware that both XXXX XXXX XXXX and Capital One Bank USA N.A. are in violation of their subscriber agreements respectively.
|
09/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
Capital One bank, they are an online banking system, so Im not sure the exact address. I put my address in because I cant find theyre address. I have it the problem with, which originated with a Company. I seen a contract with XXXX XXXX XXXX I believe the amount was {$420.00} for the actual contract date. I explain to the salesman on the phone that I had been drinking that day. I didnt want to conduct business until the next day he persuaded me into it. So I paid the money, the very next day I canceled through email on the phone they approve the cancellation and I became upset with him because he kept trying to resell me until finally I got mad and gave them a piece of my mind and then they told me they wouldnt do business with me anyways, I said good give me my money back. Not to sound unprofessional, however, I also signed a complaint. Im sorry I signed a cancellation form digitally and emailed it to them as well. I was asking for an address to send it in, but they had already resolved even over the phone that I was canceled. I called my bank to let them know, so they re-issued my money back on the dispute. I sent the bank proof of information through email that I canceled so I thought I was OK. And then a couple weeks or so later maybe a month I woke up and seen they had given the money back to XXXX XXXX XXXX XXXX I think they had some confusion because XXXX showed them a signed contract and I think thats why they gave it back, but the bank themselves disregarded the fact that I had proof of cancellation. XXXX XXXX XXXX advertises 15 calendar day full refund. I was well within that statute. I literally called the next day to cancel. Took me a minute to figure out how to sign the form online and just send it in for the cancellation which I will include in documents. The bank cross the line by giving them the money back, everything is outsourced to the XXXX so communication is not always appropriate to the laws here as I understand them. XXXX offered to give me half my money back immediately, well, I was provided. No further assistance when I canceled so I want a full refund obviously and appropriately. I have a problem with both institutions if you could forward a copy of this to the appropriate party also that would deal with XXXX directly that would be great. But the bank crossed the line by not following the guidelines with my cancellation. They just looked at the contract and said oh you had a contract so were going to give them their money back. I canceled well within the range of my cancellation. They also agreed to it on the phone and they record all phone calls with XXXX XXXX XXXX. Now I have an issue with the bank because I verified my cancellation with them and they still gave my money back so now I am appealed a case with the bank that is re-opened. However, I need to go through this financial bureau to get this settled. I believe the bank is completely in the wrong and so is XXXX XXXX XXXX. I work as a project manager with construction, I dont care if its after the cancellation. Or not if a customer has some thing that come up I ripped the contract up and sent it back. That is not the case or I was well within range of cancellation and theyre trying to keep the money from the date of contract.
|
06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
Hello, To whom this XXXX concern On XX/XX/XXXX. I hav been trying to do the right thing with Capital One. They have all over my issues and disputes on thier record. I was behind but at the time I was pregnant and I asked to get help from the credit department. I was told if I were to pay my balance it was paid in full. I sent out the payment and Capital One cashed the payment on XXXX XXXX. Meanwhile Capital One was harassing and calling about a FULL payment! But they took the payment on XXXX, XXXX! Capital One never stopped a rolling bill. Which is not fair, because it was on a recording, stating to do as I was told. The next day XX/XX/XXXX they told me my account was sent it to collections anyway when the bill was paid. Stating that I owed XXXX more dollars. But I spoke to there representatives for 4 straight months straight. EVERYDAY! From XXXX am- XXXX pm, XXXX XX/XX/XXXX! They also committed defamation of character by calling me a liar and stating that they never stated that it would be paid off on that date listed. And I made it up! It took multiple calls just for them to look up the recordings. Or even Find my recordings! Ive called Capital One the remaining month of XX/XX/XXXX thru XXXX of XXXX, and continued to call them up til XX/XX/XXXX! This was an every day event and ver exhausting especially at the time while pregnant! Capital One still hasnt updated my credit report nor will the compensate for the days I spent on the phone calling missing work to attempt at the time to have this matter resolved. They then called around XXXX or beginning of XXXX to attempt to fix it! They also Apologized for their mistake, but still hasnt fixed the issue! Every time I call they state it would be corrected but on my credit report they would put Paid but charged off however it should have never made it to charge off and their representatives have also stated that multiple times on the recorded line that it was paid and they shouldve stopped collecting on an account completed. I have called to ask Capital One to delete the account off my record multiple times and disputed with my credit report. When speaking to someone in XX/XX/XXXX they stated they dont participate with credit deletion even though its their fault! They keep sending my case to escalation who state theyve removed the charge off. However its still on my credit report! Theyve ruined my life, and theyre not willing to work with me on numerous times I asked them to do so. I have taken everything action possible to call, dispute and speak to the highest level of help and theyre still not going to help me! I wish to sue one for defamation, I like to seek pain and suffering for all the years no one wanted to help me. I also would like for this to be removed off my credit permanently once and for all because they arent trying to help me. Or allow me to improve my life for the better. Capital one states theyre there for their consumers but they are not! They are literally and have told me theres nothing they can do. In which pro I asked for them to make it right by correcting the issue. Please help me! Help me get this fixed and also make sure they dont do this to someone else! I shouldnt have to suffer this way! Right is right and this isnt the right way!
|
08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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In XX/XX/XXXX, I applied for a CapitalOne Quicksilver card to improve my credit score. I was approved for the credit card. It did not arrive within the 10 expected business days. The application slipped my mind, but then I noticed about 30 days later that it appeared on my credit report. I called to inquire about the card, and was told a new card would be sent.
It never arrived, but on my next credit report I noticed the card balance was maxed out. I had an {$800.00} limit. This was also during a time where USPS mail fraud was high. I called to report fraud, and was told the charges would be erased and a new card would be shipped out. I never received a new card. I continued to call over the next year, requesting the fraud be removed, and at this point, that the card would just be closed entirely. Different customer service agents communicated repeatedly that I would see this removed from my next credit report. At no time during the process did any agent agree to give me a case number ( which I asked for, or seemed to have any notes on my prior calls ). I would call intermittently ( typically monthly ) as I would check credit karma and myannualcreditreport ( again in XX/XX/XXXX ) to see if the card was not showing on my credit report. At the same time, it appeared either CapitalOne had done something in the system to not show delinquency, or that the person in possession of the card was making minimum payments because it never showed delinquent. So, no card in my possession, but it was maxed out, overlimit, but paying on time. My annual free credit report verified this was what it was showing again a year later in XX/XX/XXXX. I filed disputes through XXXX for this card 's activity. In XX/XX/XXXX, I got ahold of an agent who said, " well if this was fraud it would have been reported earlier, '' - essentially accusing me of lying and implying there were no previous case notes. He did not do anything to try to resolve the fraudulent charges, even though previous agents communicated repeatedly that the approximately {$800.00} in fraud charges would be removed. This is a UDAAP violation, since these charges are fraudulent and prior agents said this would be addressed. He did tell me the card would be closed, however. It was not. When I saw the credit report did not reflect a closed card I continued to call again, approximately monthly. On XX/XX/XXXX, the agent I spoke with said the old card would be closed and a new card would be reissued. However, instead of eliminating the fraud and closing the original card the agent reran my credit. I have a new hard inquiry from the date of that conversation, BUT I NEVER GAVE PERMISSION TO DO A NEW CREDIT PULL. I asked that the missing card with fraud be resolved and replaced. I did receive the new card. Now my credit report is showing two open CapitalOne cards- one that I have in my possession that is 2 months old ( I am actively using this to try to increase my trade lines and improve my credit since the fraudulent card is negatively impacting my credit score ) and the card from XX/XX/XXXX that I never received and am not able to get closed despite attempting to work with CapitalOne on at least a dozen different occasions. Please help resolve this situation- thank you!
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05/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was supposed to get married in XXXX, XXXX XX/XX/XXXX. Due to the coronavirus XXXX, I had no choice but to cancel our trip. XXXX closed its borders, and they have remained closed until further notice. I paid a deposit XXXX XX/XX/XXXX XXXX to my Wedding Planner {$1100.00} to reserve our ceremony space on my Capital One Credit Card thinking that if something were to go wrong, at least my credit card company can help me resolve the issue. I tried to push out my Wedding to XXXX, and spoke with the wedding planner ( XXXX ) to discuss dates. She was flexible, but the country has not opened its borders and gave me no choice but completely cancel our ceremony. I requested a refund in XX/XX/XXXX, but she did not respond. I then reached out to Capital One to dispute the charges ( XX/XX/XXXX ), and they did so without an issue. I then received a response on ( XX/XX/XXXX ) from my wedding planner regarding my refund. I assumed that she had already been in touch with Capital One, and that is why she was reaching out. I found out on XX/XX/XXXX that my dispute had been declined and charged back to my card. I called Capital One to understand why and they stated due to " insufficient evidence '' and closed the dispute. They claimed to have requested additional information, but I never received any documents stating this throw postal mail OR my account portal. The XXXX I spoke with even asked me to double check my smart phone app to see if the document to request additional information was there. IT WAS NOT. I then escalated the call to a supervisor to understand why this happened and how to get my money back. She had to email me the link to upload my documents, and then told me that the information I provided probably isn't sufficient either. I was confused because I submitted EXACTLY what it requested - the original receipt and refund/cancellation notice. I then questioned her again, and she said i should have received a document that stated all of the information needed to dispute the claim. I had to explain, again, that I did not receive this document, it is not in my account anywhere that I can see. Only the XXXX had access to this " document. '' She then sent me the document through XXXX to review and submit the additional information. She also said that since the claim is " out of the timeline '' that it will more than likely be decline the dispute again. I explained to her that I clearly have all of the necessary documentation, but I never received the request, a phone call, email, or postal mail. I requested to speak with a higher up, but she let me know that I can not speak with the dispute department and that I needed to wait another XXXX business days to see if they would like to dispute the charge. I also asked the XXXX if she had received a response from XXXX because I had not heard back from them. She said she had not, but they still had time to respond to the dispute. I then asked her why they have a longer time to respond than their paying customer. She had no reason other than " it is policy. '' They have left me with no choice but to submit a complaint because NO ONE WILL HELP ME. If XXXX does not refund my deposit, I will have lost the money because Capital One will not help me dispute the transaction.
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01/07/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I urge CFPB to read this complaint and take necessary actions.
1 ) First it was someone named XXXX and then it was someone named XXXX who responded via the CFPB portal providing their phone numbers with their extensions and availabilty. I have tried calling them both but I could not get anyone on those numbers. Are those phone numbers even genuine?
2 ) CFPB, please note this and I urge you to investigate into the operations of this bank : CAPITAL ONE IS TRANSFERING MONEY ON THEIR OWN TO UNCONFIRMED EXTERNAL BANK ACCOUNTS WITHOUT ANY VALID AUTHORIZATION. In my previous complaint Capital One has sent their response via the CFPB portal in which they have clearly stated the following " The 360 Checking XXXX remained opened due to it had {$0.00} of interest accrued, but not yet posted. Because we dont have a confirmed external bank account on file, were unable to schedule a transfer and close the account over the phone. Thus, we issued you a check for the {$0.00} issued on XX/XX/2020, and the account has been closed. '' This is a false and misleading statement. It is true that I did not confirm the two initial deposits made by Capital One in order to confirm my external bank account and so they were supposed to send me a check. But very surprisingly instead of sending me a check Capital One has sent the XXXX in my other ( external ) bank account on XXXX XX/XX/2020 ( screenshot attached ), the account which as mentioned earlier was not confirmed with Capital One ; I have never confirmed the two initial deposits with Capital One which the bank themselves have also confirmed via their response to my previous complaint. This was an unlawful and unauthorized transfer of XXXX cents to my other bank account.
3 ) CFPB, please note this and I urge you to investigate into the operations of this bank : I called Capital One a couple of days ago and asked one of their 360 checking managers why did the bank sent the XXXX cents to my other ( external ) bank account when I haven't even confirmed the account with Capital One. With full attitude the manager said my other bank account was confirmed by me because according to her external bank accounts can not be confirmed over the phone but can only be confirmed " online ''. She also said she has removed my external bank account from the Capital One system. I told her that I did not have access to my Capital One online banking since over a month now ( this point is clear from my previous two CFPB complaints with this bank ) then how on earth can I confirm the two initial deposits online. She again said that it's only me who can confirm any external bank account " online. '' This is a clear proof that Capital One has unlawfully and unethically without any authorization whatsoever, has confirmed my other bank account on their own from their back end without me ever confirming those two initial deposits with the bank. So in my previous complaint Capital One simply lied saying they have sent a check because they don't have a confirmed external bank account. This transfer of XXXX to my other bank account is unlawful and unauthorized.
4 ) Capital One has blocked my online access long before my accounts were closed which resulted me in not even getting access to my statements.
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12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX, I attempted to use my Capital One Venture Visa Card ending in XXXX and it was declined. I logged into my account and discovered that Capital One closed my account stating fraud and that the usage of my card was not in alignment with their card agreement. To provide context to this matter, my relationship with Capital One dates back to XX/XX/XXXXXXXX XXXX XXXX and the account in question was opened XX/XX/XXXX, so there is no upside for me to have simply thrown away my longest credit relationship which has helped me tremendously and has been profitable to the company as well in terms of interest paid to them.
On XXXX XXXXXXXX, I reached out to Capital One and read the letter to them. I asked them to provide me with the specific transactions that they deemed were fraudulent, which caused them to close my account. They could not articulate nor provide to me any transaction that were of fraudulent nature. On page 5 of their credit card agreement, it states that they may close or suspend customer 's accounts ( Credit Cards ) at any time and for any reason permitted by law, even if you are not in default. They stated a reason, but their reason was unlawful, frivolous and fabricated as I have done no such thing related to fraud ever. They have assassinated my character and accused me of something that I'm not and accused me of something that I have never done. I work for a national bank and understand credit cards, disclosures, the right to cancel and close, etc., but this is a tactic to cover up the real reason why I have been retaliated and discriminated against.
On XX/XX/XXXX, I received a letter informing me about an account review because my balance had been significantly lower than my credit limit of $ XXXX. The review could lower my credit limit but they gave me an option to opt out of review if I anticipated the spending activity to change and so I did just that. I opted out on XX/XX/XXXX and started using the card more for restaurant, travel and entertainment only. The confirmation stated that my credit limit of $ XXXX was not changed.
On XX/XX/XXXX, unbeknownst to me, I received the frivolous fraud letter stating that that they closed my account. I've had this card for nearly a decade, and I've maxed the card out twice. During those times where I had balances, Capital One increased my credit limit because their algorithms would suggest that I would be someone who would continue using the card, which makes them more profitable. I would be considered a high-valued customer because they are generating revenue from me. I paid the balances off twice. I've asked for credit limit increases on a number of occasions, and they have declined me every time stating that my card usage was too low. They've essentially punished me for being a good steward and responsible card holder that pays his debts.
I do strongly believe that I have been discriminated against by Capital One as I was a plaintiff in a recent class-action lawsuit against the company and was successful. I've attached all correspondence pertaining to my recent statements to show my spending habits/patterns along with the notices and frivolous fraud letter to have my account reinstated with my $ XXXX credit limit with prejudice.
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03/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Since the beginning of XX/XX/XXXX I have been trying to get my identity back. I was hit big time with identity fraud back in XX/XX/XXXX. My 2 out of 4 credit cards are getting better. Now 1 is finally being reviewed by a collection agency so I don't know if or when that will be straightened out. The one I'm having major difficulties is my Capital One card. Okay on XX/XX/XXXX there was a strange payment of {$500.00} that was made. Capital One returned the payment but they never took it off my bill so I was charged for this payment. Now if you look back to XX/XX/XXXX and XX/XX/XXXX I made payments of only {$30.00}. I get state cash assistance because I'm in my 2nd appeal for social security XXXX and I get a small amount of money once a month. That amount is {$210.00}. Some how I'm supposed to live on just this amount and I barely scrape by. Anyways there is no way I could make that {$500.00} payment and if Capital One would look back in their records they would see which bank and person made that payment. Now you would think they would but they won't, I have tried numerous times and I get nowhere. Now on XX/XX/XXXX there was strange charge for a hotel for {$410.00}. Doing some research on my billing statement it says XXXX XXXX which is in XXXX XXXX XXXX, XXXX, XXXX, XXXX. Now there is no way I could be over there when the closest I've gone out of the USA is XXXX and I don't have a passport. Now this charge was returned on XX/XX/XXXX and then its was charged again. On XX/XX/XXXX someone did a cash advance of {$470.00} through XXXX XXXX. I have not done any cash advance since I haven't and probably will never ask for a PIN code to do such a transaction. Now because of this charge I now have Interest Fees. On XX/XX/XXXX I was charged {$14.00} for cash advance fee. On XX/XX/XXXX I was charged a past due fee of {$25.00}. Now that same month I was charged {$19.00} in interest charges for purchases and {$8.00} in interest charge for cash advances. When I total this up so far it comes to {$1400.00}. Okay now XX/XX/XXXX I was charged again for past due fee but no cash advance fee. That same month I was charged {$20.00} in interest charge on purchases and {$10.00} in interest charge on cash advances. Adding the {$1400.00} plus these new charges comes to {$1500.00} and I'm not done I have one more month of past due fees and interest charges. When XX/XX/XXXX came around I was charged {$35.00} for past due fee. They then charged me one last time {$22.00} in interest charge for purchases and {$11.00} in interest for charge cash advances. To tally all of this up comes to XXXX and that's exact what they say I owe them. But again if you look at my records those charges were not mine and the extra fees shouldn't have been charged sine I am a victim of identity theft. I am refusing to pay any of this and I have told Capital One. I even had them do an investigation on this and I got a letter back from XXXX on XX/XX/XXXX that says " our research found no signs of fraud. '' Are they blind oh my god, those charges are not mine but they just won't listen and because of this I have to try to pay off this card, which will take me many years. I did call last week to have them reinvestigate my case but I doubt I will hear from them.
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01/29/2023 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/XXXX I responded to an advertised offer from Capitol One to open a new savings account and deposit {$100000.00} for a {$1000.00} bonus.
A confirmation email was received. It did not state the terms of the offer. I received emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX stating that I had 60 days to fund the account.
I do not receive paper copies so I checked online to verify the terms of the account and offer. I did not see the offer terms listed.
On XX/XX/XXXX I initiated a wire transfer for {$100000.00}.
On XX/XX/XXXX I called Capitol One Bank to ask when the interest and {$1000.00} opening bonus would be added to my account.
I was told the interest would be added at the end of the month, but that the bonus would not be added since the account was not funded within 15 days.
I requested that the bonus be reinstated because I received three emails stating that I had 60 days to deposit funds. Since Capitol One does not 1 ) send email or letters confirming the offer and terms of the account, or 2 ) make this information available in the account detail online, I based my actions on the three emails I received. See below.
I did not receive any email confirmation of the offer or the account term.
Therefore, Capitol One 's actions are designed to mislead the customer into thinking they have 60 days to fund the account in order to get the bonus that was offered. I still do not know if I will receive the advertised interest rate either.
Capitol One should 1 ) confirm the offer with the customer through email, letter, and on the online account. None of this was done.
The emails mislead the customers into taking action that will deny them of the bonus terms that are advertised. Therefore, this is an unfair business practice.
Other accounts clearly state bonus terms and expiration dates on the paper account statement and in the online account. ( example : XXXX XXXX ). Capitol One does neither, and actively misleads consumers, thus attracting funds through offers on terms that they are actively misleading customers against fulfilling.
In addition, this occurred during a period when there were two federal banking holidays -- XXXX and XXXX XXXX 's XXXX.
See the email received below, which references the 60-day term. The purported15-day term is not mentioned in this email or any other : Hi -- -, Youve already opened your Capital One 360 XXXX XXXX accounttake a moment to make your first deposit so you can start earning with one of the nations top savings rates.
Theres no need to wait until you have a large deposit to get going, its easy to start with an amount that sets you toward your goal. Rememberif it isnt funded within 60 days of account opening, it will close automatically.
You can add money in 3 ways : Check Deposit a check anytime, almost anywhere with mobile deposit.
Direct deposit Automatically deposit part or all of your paycheck into your account.
Transfer Transfer money by linking an external bank account to your account.
-end- Thank you very much for looking into this. This a bait-and-switch offer that harms consumers. I am a fairly sophisticated money manager with a XXXX in XXXX and an XXXX, and if I was taken in by this, I imagine many others with less experience are as well.
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03/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
XXXX XXXX XXXX ( representing Capital One ) obtained a default judgement against me on XX/XX/XXXX in the amount of {$1500.00}. I learned of this action only when my wages were garnished by my employer ( via a summons delivered directly to the payroll department ) on XX/XX/XXXX, final amount being {$1600.00}, the additional fees for judgement/garnishment.
I then filed to have the judgement vacated ( and the funds returned ) on the basis that I was never notified of the preceding court dates ( or the garnishment ) before the judgement was executed. The judge the motion to dismiss the judgement on XX/XX/XXXX and the court sent the funds back promptly to my employer.
However, between that time, XXXX & XXXX began sending notices to my employer payroll department misrepresenting the nature and status of my court case with them, alluding to the garnishment potentially being reinstated in the future, although the XXXX XXXX XXXX had sent notification to my employer that the garnishment had been dismissed- and they were to return the funds rightfully to me. My employer was hesitant to return the funds initially because of the inappropriate correspondence that ensued between XXXX & XXXX and my payroll department, even after the case for garnishment was dismissed. The first fraudulent letter ( attached ) was sent from their office ( dated XX/XX/XXXX ), well after it was known that the judgement had been dismissed and the funds were to be returned to me. The letter, which I received via my payroll department, stated that the Court has continued the garnishment to XX/XX/XXXX. This is deliberately false and is being inappropriately communicated to my employer payroll office. I emailed and called XXXX & XXXX directly on XX/XX/XXXX to notify them that this had occurred and they minimally apologized and issued another letter, which also went back to employer payroll department, to supposedly correct the record ( also attached ). XXXX said they had no record of the letter in their system and assured me this would not happen again.
However, while still in final negotiations of a settlement agreement with XXXX XXXX XXXX under a court continuance, another letter from XXXX & XXXX is served once again to my payroll department on XX/XX/XXXX ( attached ). I have-and still continue- to request specifically asked that XXXX & XXXX only communicate with me directly and to cease any & all communications with my employer. The letter again alludes to the garnishment being continued, still false and misleading. Again, I called and promptly another letter was issued to my payroll department to try and correct what they say was sent in error ( attached ). These practices are unacceptable and the law firm has been negligent in their efforts to stop these letters from being sent to my employer.
I file this complaint to get some relief from this harassment I have endured for over 6 months from this debt collector, beginning with the unlawful judgement and unexplained hasty garnishment. It remains unknown what harm this is caused in my professional relationship with my employer. I certainly hope that these unfair practices will cease for others like me who want to pay their debts without being slandered to their employers in the process.
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05/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I have been unemployed sinc e XXXX XXXX 2016. I have made payments on time since then to capitol one . I recently was off unemployment and reached out to them to advise them I would be late on a payment. The representative I spoke with basically said not a problem and they would waive the fee to call back once I made the minimum payment. A week or so later I made my payment and called yo have the fees waived. My {$60.00} payment was not over {$100.00}. I advised that I was not aware that the fee would n't be taken off the payment and would need to be taken off the account balance in full otherwise I would not have made that arrangement as I 'm on a fixed income and would n't be able to do that. I told them I could n't make it and this has created a bigger whole because I was n't informed of the whole thing being made a bigger balance by not paying on time. I tried to gather the funds to make a payment and after speaking with several reps about the issue and my situation and pleading with them to work with me I was advised to pay the {$80.00} difference and the fees would be waived. I could work on getting my balance down. I reached out to make another payment after paying what was agreed on my part and was advised my next payment was {$100.00}. I spoke to someone and advised them it 's really hard for me to keep up because the fees keeping getting added and they ca n't take them off. The rep advised me that I was in collections and that I was 1 day past due and that 's why. Ultimately after going back and forth with reps I 'm given a supervisor at my request. I go back and forth with him on the issue advise that I 'm pleading with them to work out my account. But does n't seem they are working with me and making the situation worse. He then begins to explain that had I taken a look at my statements I could have taken care of this before the problem became this big. I told him how dare he shame me when I have made numerous calls to try and work something out that I am calling now to work something out and that he is being completely disrespectful about the issue and that I am trying my best and what gives him the right to speak with me in such a way that is so disrespectful and the call needs to be escalated to someone immediately because I will be moving forward with a complaint. The representative " XXXX id # XXXX '' transfers me to a female named " XXXX '' who is a n executive supe rvisor who gets on the phone and says that the rep says I 'm complaining about fees. I begin to explain my story and situation to the representative and she hangs up on me. Does n't call back as if the call possibly disconnected. I am so hurt and frustrated that I am trying my best during a difficult time in my life to pay my bills and take care of my responsibilities and my efforts are treated so poorly. If I choose to walk away from my responsibilities I 'm damaging my self. Had the initial representive that I spoke with took the time to explain the process to me I would have never fell behind and I would have paid this bill and not paid another bill that would have not left me in this hole. Had I been treated like a person and not an account I would n't be dealing with this level of stress and anxiety.
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03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Dear Consumer Financial Protection Agency, I dont know if you can help me or not, but I dont know where else to turn. Capital One , National Association ( https : XXXX ), just closed my oldest credit card on me for inactivity despite the fact that I was trying to use the account and they never provided me a credit card to do so ( which I requested ).
To put it chronologically, in XXXX Capital One sent me a letter saying they were going to close my account for inactivity. I called them back ( XX/XX/XXXX, XXXX XXXX ) right away saying that the credit card I had was expired, and I wanted to use it, could they please send me a new credit card. They said yes, I was satisfied. I waited for my card to arrive so I could use it to make a purchase and prevent the account from being closed.
What I did not know then ( they did not tell me and I just learned today ) is that apparently my account was marked inactive and they never sent me a replacement credit card. So while I was waiting, I forgot about the issue until in XX/XX/XXXX, Capital One sends me a letter saying they have closed my account for inactivity.
I call them back on XX/XX/XXXX, and tell them Im still waiting for my card. It doesnt make an y sense to me to close the account for inactivity when Im trying to use it, they just havent given me the tools to do so. So they open up a case for me, saying I can appeal the closure of the account.
I call back again on XX/XX/XXXX to ask about the status of the case. The agent on the line tells me that the case hadnt been reviewed yet, and that the next step is for Capital One to call me. So I wait again for Capital One to call me about the case. I thought I would have a chance to explain to the decisionmaker the fact that due to Capital One not sending me a card when I requested it, I couldnt use the account.
I called back again today XX/XX/XXXX, to check on the case again. I learned ( after talking to 4 people and spending more than an hour on the phone ), that my case was reviewed on XX/XX/XXXX by Agent ID XXXX, who never called me, and apparently didnt seem to care that I couldnt have used the account even though I tried. The appeal was declined. When I called again today, I learned that I cant appeal anymore, that was a final decision, and that I couldnt have done anything in the first place, I needed to have called back after Capital One failed to send me a card back in XXXX, and I had been spending all my time trying to fix the closure in vain.
I am rather upset about this because its my oldest account by a decade, and I really did want to use it, I just didnt have the tools to do so. Im concerned about the impact on my credit history and score. I dont know what to do, I feel like I tried to do the right things by calling them and requesting a new card, which they said they would send me ( but didnt ) and that Capital One gave me incorrect information several times ( they would send a card, they would call me ). Im told now there is nothing that Capital One can do, but it feels to me they could just reopen my account and make things right, and chose not to. Im not sure what else to do, or where else to turn, I just wanted to share my story with you in the hopes that maybe you can do something.
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01/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
On my cell phone, I had cards stored with XXXX under my user ID to pay for my XXXX Music, my storage on my XXXX and my XXXX XXXX and XXXX. XXXX of those cards were Capital One and XXXX XXXX. Because I am legally XXXX, my husband set up alerts through my bank at XXXX XXXX that sends an alert for high purchases. In XXXX, I got one of those alerts from XXXX XXXX regarding a payment from XXXX in the amount of XXXX. I called XXXX XXXX and was advised the charges were from XXXX and that I should call them to resolve. I contacted XXXX and also disputed the charges right on my phone. XXXX XXXX alerted me that there were multiple charges. I got no response from the dispute from XXXX, so I called XXXX XXXX again and I was advised they would start an investigation and give me a provisional credit for the charges. They completed their investigation and found that the charges were not of my own doing. My granddaughter had been playing games on my XXXX. At the same time, I contacted XXXX XXXX regarding similar charges from XXXX. The charges XXXX XXXX found outside of my XXXX XXXX and the 2 terabytes of storage were totaling close to {$700.00} and they also gave me a provisional credit and told me they would do an investigation.
Just before XXXX, I received an email from Capital One that reads, Good news-XXXX Com Bill issued the following credits to your account, so we closed your dispute : credit dates, XXXX $ XXXX Com Bill. XXXX XXXX XXXX XXXX XXXX
The email goes on to say, We finished looking into your dispute for the transactions listed below and we didnt find any errors after checking our records. So, were denying your claim and closing your dispute.
Transaction dates and amounts XX/XX/2022. {$220.00} XX/XX/2022. {$99.00} XX/XX/2022. {$1.00} XX/XX/2022 {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$49.00} XX/XX/2022. {$3.00} XX/XX/2022. {$3.00} XX/XX/2022. {$3.00} XX/XX/2022. {$2.00} XX/XX/2022. {$2.00} XX/XX/2022. {$2.00} So Capital One took back what XXXX confirmed was invalid charges totaling {$320.00} because XXXX returned those charges, but the same exact charges with the exception of XXXX are from that game and Capital One took my money back in addition to the provisional credit in the amount of XXXX. How can you find some of the charges to be correct and some not when they are the same? I called Capital One on XX/XX/XXXX and spoke with a supervisor, XXXX and asked her to provide me with the details of their investigation because it made absolutely no sense that they approved some of the charges that come from the same place but not all of them. After being interrupted several times, I asked to speak to her supervisor and she told me a supervisor would call me back in XXXX to XXXX business days and I found this time frame to be unacceptable. She refused to transfer and advised she would file a complaint for me and request a report of their investigation. I received an email on XX/XX/2022 in regards to my request for proof of their investigation and I received a duplicate list of the above charges and nothing showing how they found some charges to be accurate and others not. I am requesting that the {$370.00} be returned.
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07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX and previously, Capital One was requested to cooperate with the XXXX XXXX XXXX XXXX ( XXXX ) investigation into a criminal case number XXXX and provide records to Senior Investigating Deputy regarding two accounts ending in XXXX and XXXX. Capital One was also advised of the penalties under California Law Penal Code 530.8. Capital One pre-formatted response is to deny further investigation as I could not provide additional information warranting another investigation. Capital One is purposefully denying me assess to records solely in their control preventing me from providing them with additional evidence to further any civil remedies or criminal investigation.
I had also previously requested all records on XX/XX/XXXX pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. As a victim of Identity Theft and Fraud when reporting my victimization, I had repeatedly followed the procedures as outlined by the Federal Trade Commission, the California Attorney General and the XXXX County Sheriffs Office.
Capital One is accused of actively withholding records of interest in a criminal investigation and thereby hampering criminal arrest, aiding and abetting the perpetrator and delaying prosecution. Capital One is hereby place on record for refusing to provide records to the XXXX XXXX Sheriffs Office ( XXXX ) assigned Senior Deputy investigating officer. In addition, new information the criminal case is under review by the XXXX County District Attorney, White Collar criminal investigation unit as they are currently reviewing two forged documents provided by other lenders. Also new regarding my case is that a separate complaint has been filed with the United States Federal Treasury, Department of Internal Revenue Service requesting a separate investigation into suspected tax fraud and money laundering by the alleged perpetrator.
Therefore, pursuant to California Law, Penal Code 530.8 ( a ) ( 2 ) Capital One was to provide me within ten ( 10 ) business days all records pertaining as to the alleged fraudulently open credit card accounts ending in 3353 and 6134. The records must also include copies of both credit card applications and a copy of the government issued picture identity as federal law requires to establish and verify identity of the applicant. In addition, Capital One should have provided any application that were used for subsequent cash advances or loans. Pursuant to the aforementioned Federal and State codes no subpoena is required from me to obtain any of these requested documents. The XXXX Case Report Number XXXX was to have been referenced in any communication or in releasing records. Capital One has chosen to ignore this and all other requests for records and without legal justification.
I have no other recourse but to give proper legal notice to Capital One as further delay in not releasing records they are subjected to pending legal action for willful and negligent non-compliance of the Fair Credit Reporting Act and California Penal Codes 530.8 as I such time of filing legal action I will be seeking punitive damages and reasonable attorneys fees.
|
11/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
Regarding my capital one mastercard : Capital one has repeatedly and egregiously violated mastercard 's policy regarding dispute handling, resulting in a cost to me in time and money to pay for invalid charges and/or endlessly pursue a just outcome. I am a merchant of more than a decade as well, and I would never get away with the unethical behavior these merchants have been allowed to participate in, and capital one has helped them to carry out.
There are 2 major recent incidents to report, though there are actually other past problems too : 1. I was billed for items on an order that I did not request/purchase, and by the merchant 's own admission, never received.I even had indisputable documentation that I contacted the merchant about the error before the date of service, and that they told me they would take care of it.
The merchant was XXXX XXXX, and the service they charged me for was a checked bag. I did not request it, but it was added to my order either by human or computer error. Well before the flight I contacted them by chat ( transcript provided to Capital One and available to this agency by request ). I was told the charge would be refunded, so long as I did not check a bag. After the flight, XXXX refused to refund despite no bag being checked, their previous promise, or the fact that I never asked to check a bag ( I never do, not an option I even consider ). The charge amount was {$90.00}. In six months and more than 30 hours of my efforts, Capital One never resolved the dispute properly by debiting the merchant. They did eventually refund me the {$90.00} from their funds, but I received no compensation for my time and trouble.
2. I disputed a charge at a NYC hotel, because of the condition of hotel ( XXXX XXXX ). The floor was soaking wet in half of the unit. I was chasing roaches around ( have photos ), and the door/llock/handle were so loosely attached it was in no way secure. I visited the desk where the person there offered no remedy, dismissing me for the next customer ( yes seriously, right in my face, disregarded my complaint ). I then left the hotel. To this day capital one has not processed my dispute properly and re-billed me for the transaction.
The worst part of this one is how capital one has teamed up with the merchant to help them defraud me. They claimed there was a merchant response that I needed to reply to, but only notified me after the reversal, and then said it was too late to respond, but that I could still " try '' if I wanted to. They claimed to have mailed me a copy of the merchant response with a letter. I received nothing, so either the mail failed or they lied about sending it. They then said they sent it again, and refused to send expedited or tracked. After a month that one also never arrived. Upon requesting they send it again either electronically or by some trackable service, they simply refused, and informed me that now that even more time has passed making my case almost unwinnable. So, they have demanded a timely reply to something I've never received. The first reply was expected before I was notified by any method. This must be illegal? and certainly violates the protections I am supposedly offered by using a card with the mastercard logo.
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01/19/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
XX/XX/XXXX - My brother sent a cashier 's check from his Capital One 360 checking account to pay his rent. Capital One subsequently froze access to all of his accounts for a security alert. However the cashier 's check was delivered. He was told by Capital One that the cashier 's check had been cancelled ( the funds were returned to his accountXX/XX/XXXX - I sent a cashier 's check from my Capital One 360 checking account for {$650.00} to pay my brother 's rent since we were told his accounts were frozen and his original cashier 's check would not be sent.
XX/XX/XXXX - His landlord called me and said the original cashier 's check was not honored by his bank. He demanded that I wire him money immediately or he would evict my brother.
XX/XX/XXXX - I contacted Capital One to find out what happened with the check sent from my account. They discovered it was still in XXXX 's possession and had not been delivered. So I had to wire money to the landlord via XXXX XXXX to avoid my brother being dropped off at a homeless shelter ( he is XX/XX/XXXXill and would have been put in danger if I did not pay the landlord ).
I filed an affidavit of a lost cashier 's check and sent it to Capital One.
XX/XX/XXXX- I called Capital One to get the status of the affadavit and the missing cashier 's check. It showed still with XXXX and not delivered. I requested that the Capital One manager contact XXXX and ask them to return to sender. I specifically stated that the check at this point SHOULD NOT BE DELIVERED and explained to him that if it was delivered, the landlord would certainly cash it and I would not be able to retrieve the money ( I 'd learned that the landlord was not trustworthy and not a reasonable person to deal with after he made threats, demanded that I wire him money, and was willing to endanger my brother ).
XX/XX/XXXX - I received an alert that XXXX delivered the check to the landlord, 17 days after it was due. At this point, my brother had been evicted and I 'd already been forced to make payments in another method to the landlord for the first 10 days that my brother lived in the house. I called Capital One and asked why the manager had not asked XXXX to return to sender ( the manager had called XXXX on XXXX and spoke with them but did not request the check be intercepted or returned. According to the notes this manager took in Capital One 's system, he mentioned nothing about my request to get XXXX to return the check to sender ). I asked the Capital One customer service rep to file a complaint with Capital One 's customer service department that this manager had not honored a simple customer request and this failure has cost me {$650.00} and requested that they review the recorded call from XXXX which proves my request.
Capital One failed to act on multiple accounts to try to help me as a customer avoid this loss of {$650.00} and did not act at all to get XXXX to return the check. They basically ignored my pleas to help me so that I would not lose this money. This is in addition to the fact that the delay in the check delivery was not my fault and caused by their vendor and partner, XXXX, and therefore they should be responsible for the damage it caused me and should have acted quickly to help me.
|
01/13/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
XX/XX/XXXX, I applied for a credit card from Capital One online. An email was sent to me saying they would be in touch with me. Then a letter came in the mail dated XX/XX/XXXX, asking me to call their office with the application ID number on the letter. I did so. Capital One asked me several questions they said they needed the answers to. Afterwards, the person said they had all the information they needed and my application was approved. On XX/XX/XXXX, I received an email stating my card had been mailed and thank you for being a customer. Today, XX/XX/XXXX, I received the card and called to activate it. Upon calling, I was bombarded with foreign customer service people telling me that the card had been used, that there had been identity thief with my " new just opened '' card and they could not activate the card. I was blatantly accused of not being who I said I was. They were scaring me with all off their accusations and they just kept on saying horrible things to me. I could not clearly understand the first rep because his English was horrible and I was on the phone w/him for 15/20 minutes. I hung up and called back hoping to speak with some one who spoke English well. The next rep told me that there had been fraud on the account and I asked how could that be and I just opened the envelope. I was on the phone with her for 40 mins. Capital One was the one perpetrating the fraud. They made up stories about this new card being used, accused me of wrong doing and of not being the person on the application. They kept this lie up until I spoke with the last rep. I kept pressing her to explain to me what kind of fraud had been committed and she finally admitted that there had been no fraud, the card had not been used and they just wanted me to fax or send in to them additional personal documents that were not asked for or required when filling out their application nor were these additional forms asked for a week ago when I spoke to Capital One to answer additional questions. I told them that they should have made it known on their application or during their phone interview that they would need additional documents - my driver 's license, social security card, some immigration document and something else. I asked her why did I receive the card if I were not approved, why did I receive the thank you and welcome email and why did the person during the interview state I was approved. She stated that this was all part of their process and I asked, " to lie '' about what has happened and then accuse me of not being who I say I am! She kept putting me on hold and saying, " we have a block on your card until you send us some additional documents. I asked her send me something in writing stating why Capital One needed these documents and why it was not told to me upfront that they require several additional documents before allowing use of the card, especially since they had already approved me for the card. She said Capital One did not have anything in writing to request these additional documents and she could only tell me about them. I told her that I would not be sending them anything and was going to file a complaint about their tactics. This is shameful!!! Documents attached or are available upon request.
|
08/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
I have a XXXX XXXX XXXX XXXX that is backed by XXXX, this complaint is specifically about XXXX and XXXX 's benefits that cover a credit card holder in case of damage of a rental vehicle.
From XXXX Benefits, my claim XXXX was XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX.
Link to guide to benefits : https : XXXX % XXXX XXXX benefits XXXX number : XXXX On XX/XX/XXXX, a vehicle that I rented off of XXXX from XXXX Rentals, the vehicle was damaged in a hit and run -- with a totaling damage of {$3000.00}. I paid for the damages w/ my XXXX and was expected to get a reimbursement as it is listed under the " Guide to Benefits '' under my card number. I paid {$2000.00} XX/XX/XXXX, and {$1000.00} XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX with my XXXX. I made sure to call them and ask if they will reimburse me if I pay the owner directly so the burden of the repairs weren't on him, they confirmed that they would pay me back if the claim was valid.
I created a claim with XXXX on XX/XX/XXXX and provided all the paperwork they needed, and they denied my claim and per the email : # # # # # # # # # # # # # BEGIN QUOTE # # # # # # # # # # # # # # # # # # # # # " Dear XXXX XXXX : After careful consideration and review, we regrettably must advise you that we are unable to extend coverage for the above claim based on the following policy language : Unable To Provide Coverage For This Oss Based On The Following Doc Language Per GTB : " KEY TERMS : Rental agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement. '' Supports : 1 ) The rental vehicle was acquired from a car sharing service and not a rental agency.
2 ) The rental vehicle is confirmed to be privately owned and not owned by another rental company. '' # # # # # # # # # # # # # END QUOTE # # # # # # # # # # # # # # # # # # # # # I will respond to their points as I did with them 1. ) No where in their Guide To Benefits says that Turo isn't covered -- they actually cover WHAT IS NOT COVERED in the guide and Car Sharing is not one of them. It just says anything covered by a " car rental agency '' which I rented through turo from a car rental agency.
2. ) The rental is owned by a person under a business called The XXXX XXXX XXXX based out of XXXX. XXXX XXXX XXXXXXXX This is taking advantage of consumers with loose language -- '' car rental agency ''. They even provide a Key Terms to define important resources at the beginning of their agreement, but they do not cover " car rental agency '' -- this seems like a great way to avoid paying claims -- even though they specifically list what is not covered.
This is the full list of contact information given to me at the bottom of each claim email : XXXX. Email : XXXX XXXX. Mail : XXXX Assistance XXXX, c/o Program XXXX at XXXX Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX. Courier or Registered Mail : XXXX Assistance XXXX, c/o Program XXXX at XXXX Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX XXXX. Fax Documents to : XXXX XXXX. Upload Documents : https : //www.mycardbenefits.com
|
04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
|
05/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
I have had a credit card in good standing with KOHL 'S former approximately 5 years. I would get offer to increase my credit line staring in XXXX of XXXX but I always declined. On XXXX XXXX , XXXX , I was asked to call their offices to verify my current residential address. I have always used my business address which is a personal mailbox because that is where all of my personal business has been sent along with my professional correspondence for over 25 years. I called their offices some time before or slightly after the XXXX XXXX deadline to report once again I was having trouble paying my bill online. I asked gif I could pay the representative with a debit card? I also mentioned the letter regarding the change of address. Although I gave her my home address, she asked If I preferred to keep the same address. I said yes. She then asked me if I wanted to increase my credit line? She was a lovely girl and convinced me I should do it. It was just before XXXX and although I had hesitated in the past, I said yes. She asked me some financial related questions and discovered one late payment in my history which I explained I had taken care of. It was yet another computer related issue on their end. She said fine and said that I was APPROVED. I was sent another credit card but in the interim, I did almost all my XXXX shopping at Kohl 's AS I HAD SHOPPED THERE REPEATEDLY ON MANY OCCASIONS ALWAYS PAYING MY MONTHLY STATEMENTS. Within 30 days THEY CLOSED MY ACCOUNT. I called them and asked why? They said I had not given them my home address. I said that I had and that I was in good standing with my billing history or why would they have given me the approval for the increase in my credit line to {$1500.00}? I told them I had spoken to their representative who did not say that my account would be closed if I used the same address. She gave me the option. I then received a letter on XXXX XXXX , XXXX , stating that the reason they closed my account was because my account did not meet the KOHL 'S criteria for reopening a closed account. KOHL 'S damaged my TRW and they sold me the increased credit line. It also says my KOHL 'S Credit Card account was issued by Capital One. I have a credit card with Capit al One that is also in good standing. I am totally at aloof because they said I needed to apply for another account. I will not apply for another account while having a balance on this account. I have been paying the account off diligently ever since making {$100.00} payments prior to my due date. I have approximately {$500.00} left to pay off. I feel that Kohl 's unfairly represented themselves and financially damaged my credit rating through their own actions. Unless asked and encouraged by their Representative, I would never had asked for the increase. I feel this is an unfair action taken on the part of Kohl 's Sales Staff to most likely meet a sales quota. I want my account rein-stated and for any negative information sent to my TRW to be expunged. I also want this action reported to the FEC so that it does not happen to any other person trying to simply use what was approved by KOHL 'S criteria for increasing someone 's credit line. Thank you for your attention to this.
|
02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
This complaint is against COAF XXXX CAPITAL ONE AUTO FINANCE Until viewing my credit file, I had never heard of this company. I have been disputing an inquiry this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All three credit bureaus come back with first a stall tactic and then a fake validation letter.
According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company.
I have been the victim of ID theft. I was in a motorcycle accident early last year and someone made an attempt to apply for unemployment in my name. I have short term XXXX from my job so knew this wasnt me. A few months later they made several attempts to obtain a car loan in my name. credit inquiries in a short amount of time. I have not applied for any loans or credit cards with this company and do not wish to. There are five inquiries that need removing immediately. No one in their right mind would put 5 credit inquiries from the same company in such a short amount of time. It's obvious it's fraud.
Since COAF is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry 1.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist.
2.Did you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation.
3. I demand a full ledger of every step of your investigative process, for each dispute submitted by me.
To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. One agency is not allowed to share information with another agency without a consumers consent.
15 USC 1681 section 604 A - governs my right to privacy. Information can not be furnished on any report without my written consent. I never gave you my consent.
I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within 4 days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you.
At this time, I am demanding {$5000.00}, for the violations and the immediate removal of all inquiries from this company. The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX/XXXX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
|
10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
Summary. This is a formal complaint against CapitalOne credit card for a UDAAP violation of Dodd-Frank due to their abusive practice in refusing to return a credit card overpayment of {$2300.00}. I have been seeking this reimbursement for more than two months, with no success.
Details.
I am trying to receive {$2300.00} that I overpaid to Capital One credit card in making my XX/XX/XXXX credit card statement. CapitalOne refuses to return that overpayment : In a letter dated XXXX XXXX XXXX XXXX XXXX XXXX they state : We received your request to refund your payment for {$2300.00} from XX/XX/XXXX. Unfortunately, your payment cant be refunded at this time.
As background, that payment is the full amount due [ by XX/XX/XXXX ] shown on the XX/XX/XXXX credit card bill for my CapitalOne card ending in XXXX. I sent an online payment of {$2300.00} from my XXXX checking account on XX/XX/XXXX. I forgot that Id scheduled that autopayment, and so out of concern that I would be late on the monthly payment, I sent another full payment of {$2300.00} on XX/XX/XXXX from the same XXXX XXXXt. I subsequently realized I had double paid the credit card bill when I checked my XXXX checking account statement the next month.
CapitalOne has refused to return the second payment to me, despite my repeated efforts, in lengthy half hour calls to their call center : I called in XXXX to make the point that I had double-paid my bill, and I wanted the second payment returned ; I was in the process of filing that claim with CapitalOne personnel, when the call was disconnected.
I waited for my XXXXXXXX XXXX statement to see if the claim had been processed and my account credited, but there was no such transaction. So later in XXXX I called again another half hour phone call -- where personnel assured me that my claim would be processed and a check would be mailed in the first week of XXXX. Instead of a check, I received the terse letter informing me that my payment cant be refunded at this time.
I called CapitalOne service numbers two times today ( XX/XX/XXXX ) to complain and ask why my payment can not be returned. Call center personnel told me that my request is more than 30 days after the transaction, so they cant process my claim for reimbursement ; and then they added that, instead, I must file a dispute claim with my bank that sent the online payment, XXXX. When I contacted XXXX, they rejected that disputed claim process, saying that the payment online from my checking account was voluntarily arranged by me, and can not be recalled. Instead, they told me to seek reimbursement from the vendor, in this case CapitalOne.
In two calls to the CapitalOne service line, I was told the same ( wrong ) information to seek redress from my bank that sent the payment. The senior account supervisor of the CapitalOne call center then told me that CapitalOne can not reimburse me for the payment. She offered no further solution for redress or seeking reimbursement. I informed XXXX that I wanted this registered as a formal complaint within CapitalOne, and that I would be filing this formal complaint with the CFPB due to their abusive practice in imposing an impossibly difficult process on consumers seeking reimbursement of an overpayment.
|
01/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
I have had continuing payments on a closed account with Capital One, formerly Walmarts credit card for approximately 2 years. All payments are made timely, and my payment history reflects minimum payments paid. On XX/XX/XXXX21 via Capital Ones automated payment recorder, I paid {$28.00} minimum payment, confirmation code XXXX. This payment was made at approximately XXXX XXXX. PST. My monthly payments are due on the XXXX. A copy of Capital Ones statement for payment due by XX/XX/XXXX21 is attached. I had to do battle with the automatic recorder repeating several times what I had already said. It was an excruciating experience to get that payment through to conclusion.
On XX/XX/XXXX21 I checked my XXXX statement on line and noted the following : " Processing ACH HOLD CAPITAL ONE PHONE PYMT ON XX/XX/XXXX STATUS P - {$940.00}. I was aghast.
I immediately contacted Capital One, and the CR suggested after what I told her about my {$28.00} minimum payment with the confirmation code, to get in touch with XXXX as there was nothing they could do. They could not stop payment, and to contact the XXXX.
I contacted the XXXX and was informed that they could not stop ACH payment processing. I do not know if that is true or not. Undoubtedly inquiring of another rep would have resulted in another answer. That has been my experience with CRs. He suggested ( XXXX ) that I contact Capital One again.
I did contact Capital One again and asked for a U.S. CR. I spoke with XXXX from XXXX, AZ. US reps are more knowledgeable and able to provide quick results and certainly have a better grasp of the situation at hand and how to bring it to a mutual resolution.
XXXX was a good listener and after I concluded my brief conversation with her, she indicated she was going to speak with her supervisor to approve an emergency reversal of {$940.00}. Her supervisor was having none of it. Her resolution was for me to pay an additional two months payments in order to get the reversal. I am not being punished by Capital One for what is obviously an error that a kindergartner could see. That is what you do to late payers, etc. This is not the case at all!
I inquired of XXXX if Capital One would deduct the {$28.00} from the {$940.00} and return the balance to me. The answer was no.
I understand from XXXX conversation with the supervisor, although the supervisor did not listen to the telephonic recorder she saw that I pressed the key to make a payment of the entire balance! I would like to contact my telephone carrier to see if they have a way to get into what I pressed and how many times the recording said, I didnt understand that, press 1 or 2, etc. etc. or lets try that again.
XXXX also advised me that she had numerous complaints from customers about the automated payment recorder last week. That fits right into my circumstances.
Capital One : Please provide me the information on how your auto payment recorder is maintained, where is it maintained, how often, what are the chief complaints from your customers, how often do you get these complaints, how long does it take to repair the malfunctions? Since my experience on the XXXX comports with other customers of a week ago, I am very interested in your providing the answers.
|
12/31/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
This is following my complaint XXXX which I have not been able to respond to because my internet service has not been working with the longest period few days short of a year ; your website is problematic as it never takes my password and I have to repeatedly reset, while receiving e-mails of repeated log-in attempts after just once trying ; the letter I received from Kohl 's is absurd and fails to address multiple items even though I have outlined all in my original letter ; it's closed as it gives me 60 days from receiving response - it's less, but closed anyway.
Making it yet another job to deal with this does not help in any way. And of course your employees have difficulty hearing me over the phone, that's exactly one of the things I am having issues with I regret to inform.
Please refer to my original letter, before I'd have to write another novel on this same issue - it's all in there.
In response to the letter from Kohl 's : they did not receive any payments from me XX/XX/2020 through XX/XX/2020 because I had not made any purchases and as I'd paid off my balance in full months earlier in XXXX, there was noting due but a few purchases, which I paid in full immediately. Showing me the progression of my account using copies is all fine and well, but I have been viewing that all along on my Kohl 's account, for which I have written to them in the first place to which they did not respond within their own set allotted time, which prompted me to file a complaint with CFPB in the first place. Ms. XXXX XXXX then says the discrepancy of {$11.00} which I found was because I did not include it in my payment on XX/XX/2020 - but this is because I found it in XXXX when I paid off all my receipts with the last interest payment, as I paid in full ; she then states that in my subsequent payments I failed to pay the {$11.00} - of course, because I found it prior to that. This is an absurd argument : I find a discrepancy which is neither in my store receipts nor in any interest payments, so she just says it's a discrepancy because I failed to pay it.
She states they " do not have record of system issues with our XXXX website or app, which is false : they should, as I have repeatedly reported this - it is doubtful I am the only one. To state they do not have reports of issues after receiving reports of issues is another circular argument by Ms. XXXX XXXX.
Ms. XXXX XXXX says they received my letter on XX/XX/2020 and as a courtesy credited my account two late fees ; but of course this failed to address all the other issues - by far the majority outlined in my letter - and they happily stack on more fees on subsequent due dates yet still with a XXXX balance.
In response to your involvement, they again credited my account somewhat yet again fail to address still the majority of the issues I outlined.
She closes with providing me with an account balance of {$60.00}, but fails to tell me what it is for, as she hasn't adjusted for most of the issues I provided.
Clearly, this does not address my concerns. As an added note, instead of addressing all the content in my original letter, I do not appreciate being given an unpaid job in dealing with this, due to the failure of someone's reading comprehension.
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08/03/2016 |
Yes |
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Web |
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Purchased merchandise on XXXX from XXXX in the amount of {$750.00}. Merchandise came damaged. I contacted XXXX on XXXX and XXXX ( to remind them ) and reported the damage and asked to be refunded. XXXX did not pick up the merchandise. I disputed the charge with Capital One on XXXX XXXX, XXXX. Capital One reversed the charge on XXXX XXXX, XXXX. The merchant sent a print out of the order showing the order number, purchase date, items and quantities purchased. They further sent a print off from XXXX showing the damaged merchandise delivered. And finally they sent a credit card transaction log showing the details of the charge being authorized and approved. The merchant provided no rebuttal or repsonse to why they did not pick up the damaged merchandise or if they even attempted to pick up the damaged merchandise. Nor did the merchant refute that I had contacted them stating the merchandise was damaged.
On XXXX XXXX, XXXX Capital One writes me and stated that the merchant provided the above documentation thus they were rebilling my account {$750.00}.
Capital One has violated Federal Law and owes me a penalty of {$1000.00}.
My complaint pertains to the handling of my dispute under the XXXX, Truth in Lending, Regulation Z and applicable case law. The facts in this case are rather simple. I ordered merchandise. The merchandise came damaged. I contacted the merchant rejecting the merchandise by stating it is damaged and requesting the merchant to pick it up. The merchant agreed to pick it up and credit but did not. This same scenerio has been reviewed in the courts as far back as XXXX. Capital One knows this but is not following established law.
In this case Capital One ignored the law and made me go beyond what was required by physcially sending back the merchandise. All while Capital One rebilled my account and demanded payment. A clear violation of Federal Law.
See XXXX v. The XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Missouri Supreme Court applying Truth in Lending, Fair Credit Billing Acts and Regulation Z.
XXXX XXXX argued that XXXX did not properly reject the ceiling fan because he did not return it. The court disagreed saying : " a buyer that rescinds the contract and holds the merchandise as bailee for the seller is not liable for the sale price. UCC Section 400.2-602 ( XXXX ) ; XXXX XXXX, XXXX XXXX XXXX XXXX at XXXX. A buyer has no further obligations with regard to goods it has rejected. XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX citing section 400.2-602 ( 2 ) ). The seller bears the cost of return delivery. '' This case is applying the Uniform Commercial Code of which is the same in all states.
In my case I clearly told Capital One that I had rejected the damaged merchandise and that the seller was free to pick it up. At the time that I informed the merchant that the merchandise was damaged and I wanted it picked up I had no further obligation. The merchant did not respond my saying they attempted to pick up the merchandise or that I refused to allow them to pick up the merchandise. With this, Capital One placed the charge back on my account and demanded payment.
This is a clear violation of law. Capital One owes me a penalty of {$1000.00}. XXXX XXXX v XXXX Bank XXXX XXXX.
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06/04/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Capital One has violated these laws, as explained below : Consumer Financial Protection Act, FTC Section 5, Truth in Savings Act, Electronic Funds Transfer Act, Maryland Consumer Fraud Protection Act.
Capital One forced open our safe deposit box and liquidated its contents without notice to us. Through mishandling, they lost the contents. They insisted that they forced the box open because we did not pay the rental fees. In fact, our checking account was set up such that the rental fees were automatically debited from the account each year. At some point, due to a security concern, we changed our checking account number. Capital One failed to link the new account number to the safe deposit box, which is what led to the perceived nonpayment. At no time did Capital One give us notice that there was an issue with the fees, nor did they give us notice when they forced the box open and liquidated the contents.
Our box contained irreplaceable jewelry that my parents purchased for us as wedding gifts from XXXX. As is common in XXXX families, these pieces of jewelry have incredible tangible, not to mention, sentimental value. The box also contained some legal documents concerning my uncle 's estate, which are irreplaceable and difficult to re-execute, considering he lives in another country.
Capital One claims to have sent the property to the Maryland Division of Unclaimed Property, despite that documentation the bank itself provided to me showed that nothing but " miscellaneous documents '' were sent, despite also giving us an inventory showing that the box contained several pieces of jewelry. The Division has conducted exhaustive searches and has confirmed that it never received, nor does it have, any of our property from Capital One. Rather than address the merits of our claim, Capital One has been " searching '' for our property for nearly a year, with no success. We have impressed upon them that the injury was inflicted when they failed to link the new account number to the box and failed to give us notice, but they continue to attempt to shift the blame to the XXXX.
Capital One has further indicated that they do not believe we ever signed up for automatic debit form our account to pay the box rental fees. However, they in fact debited our account for the fees for approximately XXXX years. If they do not believe we had signed up for automatic debit, then debiting our account without our consent constitutes a violation of the Electronic Funds Transfer Act, 15 U.S.C. 1693a et seq., as well as the NACHA rules.
We sued Capital One in federal court on an individual basis. Again, rather than address the merits, they chose to fight us on jurisdictional grounds. This is what prompted us to file a class action in Maryland, to fight for our rights and those of others similarly situated. Ultimately, the bank will have to address the merits of our claims and those of others. It puzzles us that the bank wo n't simply admit that they did something wrong, and chooses instead to force consumers to jump through hoops like this, when it is their own wrongdoing that is in question.
We have attached the relevant pleadings for your review, which contain a more detailed description of Capital One 's offenses.
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02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XX/XX/XXXX, XX/XX/XXXX We've had trouble with Kohls numerous times in the past several years due to their poor customer service and their poor IT infrastructure, and now my husband are discovering we have marks on our credit reports from them but none of these were our fault to begin with. Years ago now, we had some furniture show up on our doorstep that we never ordered. It was shipped by kohls. I had a kohls charge at the time but hadn't used it in ages. I still had the card in my wallet, so its not like it was stolen, and yet someone was able to order stuff from kohls online with my card and it was shipped to me. The only reason we found out was that they shipped it to us instead of whoever stole the card number. This had to be a breach in their own system, but we were never notified by kohls of a breach. They didn't think it was odd that I had not used the card in years, then suddenly bought thousands of dollars of furniture from presumably an IP address not located anywhere near me and they let that go through. We sent the furniture back and called kohls and they supposedly closed that account and issued me a new card. Then just recently I foolishly went to buy some clothes at kohls but I had left the card in my desk at home. It wasn't lost, I just didn't bring it with me. They said they could look me up and charge my account without the card. So we tried that. They coudl n't find me even with SSN, birthday, address, etc. I assumed that meant that they closed the account for non-use, so they opened a new one for me again. When I went to pay the bill later, I had trouble logging into their site to pay the bill. I tried over and over and eventually called them. The rep was only interested in taking my payment over the phone and not actually fixing the multiple problems I was having with their site, logging in and attaching a payment account so I could pay the bill and set up autopay. He just wanted me off the phone as fast as possible with the payment. If that payment was late, it was kohls XXXX website and bad service that made it late. A few months later my husband went to kohls, opened a charge to get the discount. They never did send him his physical card, and the first bill we got was 3-4 months later and was of course by then way past due. They show that {$120.00} bill as over {$300.00} with their late fees and interest charges. We spoke to their reps three times and go nowhere with them. They didn't even seem to understand the problem. We are willing to pay what we *actually* owe, but not bogus charges because they never sent us the bill. They are also profiting from making paying the bills difficult to legitimize their extra charges. When I try to log into the kohls card account now, it says I don't have any card accounts, but my credit report says I have 2 now. I want any and all derogatory marks from them removed from my credit report. They clearly have no motivation to fix their systems or train their reps properly unless it starts costing them money. If they want me or anyone I know to ever be their customers again, they need to correct these problems, and they DEFINITELY need to remove any and all derogatory marks from my credit report! If I was ever late it was because of them.
|
06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
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I filed a dispute back in XX/XX/2023 against a company in XXXX XXXX, after they sent me a defective dangerous poorly manufactured armchair and they refused to refund me.
I did everything CO asked of me and that wasn't good enough.
XXXX XXXX : XXXX Twice now I've received generic letters telling me that I didn't give them the information they asked for & that's not true.
Last week on XX/XX/XXXX I called up the number in the letter XXXX & I was told that I didn't provide proof that I tried to get a refund.
I went to XXXX & provided screenshots of the conversation with the sales rep at the store who clearly says in XXXX that they don't issue refunds. There is no way to provide PROOF of a verbal conversation OBVIOUSLY.
I wasted more of my time creating a letter. I uploaded the documents and today I get another one of these generic letters saying I didn't provide any of the information they asked for & they closed my case and they won't help me.
This all goes against XXXX 's rules that I should be protected against companies who refuse to issue me a refund and they sell garbage products & steal my money.
I spoke to XXXX different people today trying to get someone to help me & except for one person who hung up the phone on me, no one knew anything & just robotically said that I didn't provide proof that the item I tried to return was refused for a refund.
And that was a manager XXXX who wouldn't help me. WOW. She repeated what the fraud department lied about saying I didn't provide proof. I already told her I did & she just ignored what I said as if I was lying.
XXXX XXXX XXXX services for ccs ( CS ) - She put me on hold, then came back said she's still looking, & then at 27 mins I got hung up on. She was at least trying to help, but WHY didn't she put any notes in my account & why did she hang up on me???
My entire day ( and days ) have been consumed with me wasting my time with CO who refuses to protect their customers from scam companies who refuse to issue a refund.
I asked for the office of the president & I got a number, but it just went back to regular customer service.
No one can help, the person handling this case in fraud is obviously not well trained or just a mean person who sends out generic letters that are full of lies.
No one will even tell me what I need to do to get this resolved.
I am NOT paying for a translator ( I'm sure you have tons of people who speak XXXX at CO ) & I'm not paying huge money hiring a mover to try & return this chair & then having to pay them again to return it to my house.
I wanted XXXX 's guy who came here a month or more ago to take it, but he said he couldn't, he could only document the damages & speak to the company. Of course I never heard from XXXX because they have no intentions of refunding me my money.
Also, CO put the charge back on my card and because of the exchange rate, I was now charged MORE MONEY than I was originally charged. I want that money refunded to me. This is NOT fair to me, I've done everything asked of me.
I have wasted days & hours of my life. Today alone I cant even eat because of this. All I do is waste my time on the phone with terrible customer service reps in all different departments.
XXXX
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07/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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Background about me : I XXXX XXXX in XXXX, right at the end phases of XXXX, job market was rough & I decided to start my own XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Being an XXXX family, my parents goal has always been to return to XXXX once I am financially able to support myself.
During my first 10 months of during my own business I have found lots of success, on track with my own finances, taxes, stocks, and even have a healthy savings account.
I was banking with capital one because they were the XXXX bank that would issue a credit card to a young, recently graduated XXXX XXXX XXXX.
However my experience with them has been nothing but a nightmare.
It all started when My father, left XXXX separate checks of {$1300.00} each with me. Purpose is so I can XXXX the real estate agent for taking care of our houses.
XXXX of XXXX I deposited the checks to my capital one 360 Account. Immediately my XXXX was frozen with the XXXX checked + my own money.
XXXX XXXX At this point, my account has been locked for 3 months, all linked account such as XXXX has been locked, my XXXXredit score took a big hit. I had to take money from chase, XXXX & borrow money to pay for taxes, food, car, insurance etc.
My parents returned to the XXXX XXXX with the intention of resolving this issue with me. We were able to visit the XXXXXXXX XXXX XXXX XXXX through out that week to get an answer. The ambassador at the store got on the phone with the fraud department and the fraud department mentioned that the signature dad signed is too similar to my legal name, therefore the system thought I signed my dads check. I get it, precautions. We were able to verify that the legal names were indeed similar but the signature on the checked were clearly not mine, and it was my fathers.
After XXXX days of back and forth, capital one release my personal money that were not part of that {$4100.00} ( $ XXXX ). And we were sent home with the understanding that the investigation will take some time. Again I get it.
However for about a year, there was no communication from capital one about my money, or the investigation. The only reason I found out that money has been released was because of the following, XX/XX/XXXX In XXXX of XXXX, I suddenly realized my XXXX account was unfrozen, therefore led me to look into my capital one account. On the record it indicated that the funds were withdrawal without any explanations.
XXXX of XXXX We went into the store multitimes, the ambassador at the cafe can not help us at all, he has to call their head office in Virginia. The other sides attitude was horrible & they continuously to blame chase for holding the money that was sent back. So we went to chase multiple times, with Chases amazing customer service, we were able to see there was no money being held on chase side.
Capital one refuse to let us know where my money was withdrew to, the recipient account and have asked us to contact the Law enforcement to obtain this information.
During this entire process, we had to get on the phone with a different agent at capital one to explain the same problem over and over and over again despite having notes written down in our case on the backend We still dont know where our {$4100.00} went
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06/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
|
Good Afternoon, We purchased a car from XXXX XXXX back in XXXX, during that time we were told that they stand by their 125 point inspection on their vehicle. The vehicle had XXXX miles on it at the time of purchase. A few years later the car failed and became in operative ; when I took it to the mechanic, he informed me that this was a common issue with XXXX and that there was a lawsuit regarding this issue where there is a defective radiator in these models and it leaks into the transmission ultimately destroying the transmission and this was the exact diagnose of the vehicle. When I began to do research, it was discovered that this was a trendy issue with over XXXX complaints and that there was a lawsuit whereas the manufacture ( XXXX ) extended the warranty up to XXXX miles on the vehicle, however XXXX XXXX did not disclose this information to us when we purchased the vehicle. It they had done so we probably would not have purchased this type of vehicle. In speaking to a representative for XXXX XXXX. I was told they did not have a system that would inform them of the issue with XXXX cars. I then spoke to an individual at XXXX XXXX corporate office who informed me that because it was over XXXX the warranty was over. When we purchased the vehicle it only had XXXX miles so if we were informed of the manufacture problem with that model at that time of purchase we could have gotten this resolved. And not be faced with the issue of a car that we can not make use of. The fact that we were not informed of a lemon car has cost us over {$4000.00} in repairs and a rental for 2 months because my job requires transportation while trying to resolve this issue. The car is deemed worthless by every mechanic I have asked to look at the car. So now I feel helpless with a worthless car with a high interest that I can not refinance for a lower rate, I could not trade in. We have spent over XXXX in interest and we still owe XXXX on a XXXX XXXX XXXX. XXXX will send us to XXXX XXXX, XXXX XXXX will send us to XXXX. I feel that this car was a lemon from the beginning, because XXXX was aware of the defects of the vehicle. And as the manufacturer of this vehicle they hold the responsibility to be ethical to their customers. Capital One agreed to finance the loan using the car as collateral. So we have three levels of irresponsibility a manufacturer who is aware of the defect and did not recall the cars from the lot to repair it before it gets to a buyer, XXXX XXXX whos responsibility it is to know what they are selling to customers and Capital one who does not do a thorough appraisal on their collateral. I do not feel I should be the one to suffer this great financial loss due to the negligence of the manufacturer, dealership and the lender. Where does the consumer protection in all this? I want to return this vehicle to the responsible party as I was forced to purchase a new vehicle because the XXXX is inoperable. I am asking that I be released from the debt burden balance of XXXX. And not adversely affect my credit, because we can not afford two car payments. I am requesting that this vehicle be returned and that this is totally removed from my credit report due to the deceptive practices of XXXX of North America
|
11/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
I am having an ongoing dispute with Kohls department stores. I did not receive a statement in XX/XX/XXXX consequently the account fell delinquent and was reported to the credit bureau for being late. I caught up my payment in XXXX then in XXXX did not receive another statement again. Having 40+ accounts I pay monthly I did not realize that the statement did not arrive. When a Kohls representative called me on an XXXX recorded line to inform me of my late payment after confirming my identity she questioned me on my address. She asked me if I lived at XXXX XXXX XXXX, I explained to her no I did not I live at XXXX XXXX XXXX XXXX XXXX. Her response was oh lets change that. I asked her if she had to XXXX XXXX XXXX as my mailing address and she confirm to me that yes she indeed did. I further went on to suggest that because they had the wrong address I should not be held accountable for the in accurate information reported to the credit bureau as I have never lived at that address and Ive only lived at this address for 6+ years. The representative assured me that she would notify the credit reporting agencies that they had inaccurate information and that it was an internal kohls error and Would rectify the situation. She suggested that I contact the credit reporting agencys & file a dispute which I did. Several weeks later I received a letter from Kohls stating that the information that was reported to the credit bureau agencies was correct no changes would be made. As a result of this erroneous error my credit score has dropped 53 points. And my previous OnTime payment history that used to be 100 % is now at 99 %. It is important to note that I have had this account since XX/XX/XXXX with no previous late fees and no negative or delinquent payment & To date this is the only negative remark on my entire credit report. Prior to that I have never had any incidences of late fees or negative reporting to the credit reporting agencies. Kohls refuses to rectify the problem, it is unfair to me as a consumer that my credit should drop 53 points and I should have this negative information that is an accurate on my credit report. I am considering legal action and I today am meeting with a attorney to secure counsel to begin the process of taking them to court to file for punitive damages and defamation. I really dont want that I only want the negative tomorrow marks removed from my credit report. Any help that you can supply is greatly appreciated. It is also important to note that I have contacted the residents Who reside at XXXX XXXX XXXX in XXXX and have asked them if they ever received letters from Kohls for me and they confirmed that they have. Since they did not know the person whos mail that was they just discarded it in the trash they have agreed to write up a document stating that and once I have that I will submit that as further proof that indeed the mail billing statements was truly sent to XXXX XXXX XXXX, XXXX mass in correctly.
I may be reached at area code XXXX and my email address is XXXX Thank you for your time and your attention to this matter and I hope that you can be of some assistance to me as I go through this complicated process. Its very frustrating to say the least.
XXXX XXXX
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07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
I am writing to file a formal complaint against Capital One, NA regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account number XXXX amount of {$5600.00} plus all previous balances under the certificates of indebtedness and XXXX amount of {$4400.00} plus all balances in previous certificates of indebtedness under this contract. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statement for the certificate of indebtedness on account XXXX and the XXXX and in accordance with the regulations outlined XXXX XXXX XXXX XXXX XXXX XXXXmptly sent a written notice to Capital One, NA on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what Capital One, NA has done is closed both of the account ( s ) XXXX and continued to report negatively on my credit file. I believe the closure of my accounts was a way of discrimination and retaliation of sorts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt that would greatly lift the burden off myself and the living beings I care for. Such heartless practice of the bank to deny me god my given right to be notified of any progress as it relates to the billing error notice I've attached. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves Capital One NA 's unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. The job offer is attached as evidence. But since their reporting is inaccurate due to their failure I'm missing out. I'm also aware that my account was/is held in a trust according to XXXX Capital One Multi-Asset Trust as Issuing Entity. Capital One NA as Sponsor, Servicer, and Originator of Assets. Capital One Funding, LLC as Depositor and Transferor. The master trusts assets primarily include consumer and small business credit card receivables from selected Mastercard and Visa credit card accounts that meet the eligibility criteria for inclusion in the master trust. Capital One Bank ( USA ) , XXXX XXXX, a XXXX XXXX XXXX, owns credit card accounts from which receivables are transferred to Capital One Funding, which receivables Capital One Funding then, subject to certain conditions, adds to the master trust. Where's my equitable interest in these securities? I'm filing further complaints with other government agencies as well. I kindly request the CFPB to investigate this matter and ensure that Capital One, NA complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect consumers and hold XXXX XXXX XXXX XXXX accountable for their failure to address my legitimate concern.
|
12/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
Several months ago, in XXXX, while visiting XXXX, XXXX, and some other countries, I received a duplicate charge from a merchant whose point of sale terminal seems to have not functioned properly.
I did many other purchases the same day, but that duplicate, as a duplicate, was reported to my credit card issuer, capital one, as a duplicate charge, and a dispute opened.
When I returned to the US, and attempted to update my new address and phone with the credit card company, they treated it as suspicious and froze or restricted my account.
I tried ardently to supply them with all requested proof of identity, passport, id cards, bank statements, treasury department identity form signed and green stamped by bank certifying official, came in person to the XXXX virginia branch ( same parking lot as the headquarters. ) After that visit, in XXXX of XXXX, i learned that their customer service team had no qualms about berating and degrading their bank branch manager. And had to make a best-guess about how much to pay to not be late on my next month 's bill, as no billing information was allowed to be given while accounts are " restricted '' As a result, my payment of XXXX, was an overpayment, resulting in a XXXX credit to my account. It has not yet been sent to me.
The company has thus far refused to send it to my up to date address, and will not add or change addresses or phone numbers while an account is " restricted. '' The " restricted status '' of my account also prevents me from accessing my XXXX dollars in reward points, which normally could have been redeemed as a statement credit. Including in XXXX of XXXX, when I was forced to make an overpayment or risk substantial harm to my credit score.
( Despite blatant failure by the company to provide billing details. ) At present, I have seen no paperwork as to the outcome of the disputed transaction ( duplicate transaction ) from XX/XX/XXXX.
I have seen no refund of my XXXX, ( from the XX/XX/XXXX overpayment ) I have been unable to access my earned rewards points, in the amount of XXXX Simply placing an account in a restriction status, should not force people to endanger their credits, or blindly pay large sums to credit card issuers.
Had I been able to redeem my rewards points, I could have received a statement credit for them, and not had to pay that part out of my own money.
Had I been provided with a bill, detailing the amount due, I could have simply paid the amount due, without endangering my credit score.
I do not know if the result of that duplicate charge that was disputed, was reflected in the balance, or if the dispute was ignored due to the " restricted status '' of the account.
Nobody at Capital One has been willing or able to provide such information.
This experience amounts to having been blindfolded, and forced into handing over money, without knowing how much was owed.
Rather than contact me after my previous CFPB complaint, the company instead closed my account. And did not even send me a letter to inform me the account had been closed.
Restricting my account, and closing my account, does not cancel the XXXX owed.
And closing my account, rather than addressing these concerns is not the act of a reputable company.
|
12/13/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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XX/XX/XXXX I was placing Walmart order and in checkout. I was using my EBT card and CAPITAL ONE CARD. I realized there were two more items I wanted to add to my Walmart cart and I LEFT THE CHECKOUT. I added the two items to my cart and was going to checkout, however I noticed the CAPITAL ONE REWARDS I had applied was no longer reflecting in my cart. It was XXXX point which was {$15.00} which should have been applied and deducted from my total. I previously did not checkout but left the checkout. I went online to CAPITAL ONE and saw they took the Rewards and also saw that WALMART had charged my CAPITAL ONE Account the {$36.00} as if I had placed an order. I DID NOT PLACE THE ORDER. I DUD NOT AUTHORIZE WALMART TO TAKE ANYTHING FROM CAPITAL ONE. I DID NOT AUTHORIZE CAPITAL ONE TO TAKE MY REWARDS. I NEVER COMPLETED TRANSACTION. CAPITAL ONE TOLD ME THAT THE {$36.00} WAS DEBITED BY WALMART AND THEY ALSO HAD A CREDIT FOR SAME AMOUNT. THEY TOLD ME IT WAS A WASH AND I DID NOT HAVE TO BE CONCERNED. THE REWARDS THEY SAID WOULD TAKE MORE TIME TO BE RETURNED TO ME. I SAY AGAIN I NEVER CHECKED OUT OR PLACED THE ORDER. I DID NOT COMPLETE ANYTHING MORE ON XX/XX/XXXX BECAUSE I was upset over this bring done without any authorization or placing an order. Today is Wednesday XX/XX/XXXX. I check my CAPITAL ONE ACCOUNT and my rewards have not been returned to me. The WALMART charge is there dated XX/XX/XXXX as a PENDING CHARGE. I once again go into a chat on XXXX XX/XX/XXXX with an agent for CAPITAL ONE who tells me it can take up to 60 days to get the XXXX in rewards back to my account. They tell me they can't help me until the WALMART CHARGE ON XX/XX/XXXX CHANGES FROM PENDING TO A CHARGE AND THAT WHEN THAT FIES HAPPEN I CAN CONTACT THEM AGAIN AND GILE A DISPUTE. THEY ALSO TELL ME I MUST CONTACT THE MERCHANT WHICH IS WALMART. I GET OUT OF THAT CHAT WITH CAPITAL ONE. NEXT I CONTACT WALMART. WALMART TELLS ME THEY HAVE DONE A SEARCH AND THEY DO NOT SEE ANY TRANSACTION FOR XX/XX/XXXX IN THE AMOUNT OF {$36.00} NEITHER PENDING OR COMPLETED. I DID COMPLEYE MY WALMART ORDER ON MONDAY XX/XX/XXXX. BOTTOM LONE IS I CAN NOT GET EITHER CAPITAL ONE OR WALMART TO REMOVE A CHARGE FROM MY CAPITAL ONE ACCOUNT. WALMART SAYS THEY CAN NOT FIND A CHARGE AND CAPITAL ONE TELLS ME THEY CAN NOT HELP UNTIL THE CHARGE CHANGES FROM PENDING TO ACTUAL DEBIT TO MY CREDIT CARD ACCOUT. THEN I CAN FILE A DISPUTE. BOTTOM LINE IS NEITHER ARE A HELP. IT ALL FALLS BACK ON CONSUMER TO REMEDY A SITUATION WHICH NEVER SHOULD HAVE HAPPENED IN FIRST PLACE AS NO ORDER WAS EVER COMPLETED IN WALMART ON XX/XX/XXXX. NO CHECKOUT. NO ORDER PLACED. NO AUTHORIZATION FOR EITHER CAPITAL ONE TO CHARGE AND TAKE MY REWARDS AWAY AND SAME FOR WALMART THE MERCHANT PLACING A CHARGE ON CAPITAL ONE ACCOUNT. IT IS A TERRIBLE THING GOING ON. I want the pending removed by WALMART that they say they can't find and I want CAPITAL ONE to return rewards. It floors me that this happens and I have spent over 4 hours today, Wednesday, XX/XX/XXXX attempting to get either one if them to mitigate and remedy this situation only for neither of them to help. Please do what you can to help resolve this on my behalf. They had no right to do this when I NEVER CHECKED OUT OR PLACED AN ORDER.
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10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Ive lived most my life without any credit cards or lines of credit of any kind. Recently my mother convinced me to apply for a basic credit card for the sole purpose of having it for emergencies and nothing else. I put it in my purse and for the most part I forgot about it, Until I was applying for a very prestigious job that involved the company requesting my credit report in the screening process. I didn't get the job and when I asked why they said it was because my credit score was under XXXX! I knew something was wrong as when I checked my credit score after getting the credit card I had a score just under XXXX.
I got an updated credit score and found out that my score had dropped XXXX points in a day because of one thing, my credit card showed it was at 130 % its credit limit and was 2 months past due without a payment!!! I freaked out and went to my capital one site and sure enough there were a ton of charges that maxed out the card and even went beyond the credit limit!! I instantly contacted capital one and told them my card had a bunch of charges on it and that I had never even used the card once and all these charges were not made by me.
Somehow I must have dropped the card or maybe left it somewhere on accident, because it was missing from my purse. They acted like everything would be taken care of, that I wasn't liable for fraudulent charges and not to worry. I was relieved and waited to hear back from them. A VERY short time later I received an e-mail stating that they had completed an investigation and determined that I had " financially benefited from the charges in question '' Which is rather absurd considering I had never used the stupid thing! The day I got it was the only time I touched it!
So now my credit is ruined because my payment history is at 0 %, my available credit is at -30 %, and it goes on and on... I cant believe this company has the balls to tell me after a FEW HOURS that they had completed an investigation and determined I somehow benefited from this fraud! What could you possibly have investigated in a matter of hours? No its pretty clear that the only investigation that was done was in reality none at all.
These claims are completely and utterly baseless and without merit. I never benefited from the charges I never used the stupid card in the first place! So now over some {$300.00} in charges my credit is completely ruined and I will suffer for years to come because some XXXX XXXXXXXX mouth breather with a double digit IQ was allowed to decide the fate of my financial future.
I dont care what it costs me, I dont care how much time I have to spend. I will fight capital one tooth and nail until they give me a written apology and compensate me for all the time Ive wasted on this XXXX fraud, IM THE VICTIM!! NOT THE CRIMINAL! I cant believe this is how I get treated when Im the victim! I will call every local news channels investigative reporter and tell them to do a story on this gross perversion of " justice ''.
I vow to never rest until this is made right and I'm compensated financially for my time and energy as well as being given an apology by capital one because they decided it was ok to treat a victim as the criminal in the name of greed.
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06/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
This is the second time Ive been violated by Capital One in the past 2.5 years. I am praying that, as the first matter was resolved satisfactorily, I also hope this matter too can be rectified. I've been a loyal Capital One cardholder, on and off, for over 12 years. I was very surprised on the morning of XX/XX/XXXX to learn that one ( 1 ) of my active capital one credit card accounts were suddenly placed on restriction and are now in the process of being closed due to inactivity. After speaking to the customer service representative, and an escalations manager, ( XXXX in Tampa ) I was informed that because my account was closed on XXXX XXXX that attempting to have the account reopened was too far beyond the redemptive period. This was disheartening to hear considering the email I just received said the account was restricted and would be closed on XX/XX/XXXX. Meaning it was not closed yet. To add injury to insult, her telling me the account was closed on XX/XX/XXXX was the first time I had ever even heard of this. I was never alerted to anything prior to me receiving an email on the morning of XX/XX/XXXX. The representative in Tampa asked for my mailing address in which I provided and said I should have received a letter stating my account was closing. To this date ( XX/XX/XXXX ) I have not received anything from Capital One except for the email I received on the morning of the XX/XX/XXXX. This was really a harsh stance coming from Capital One considering that, Ive never missed a payment on any of my Capital One accounts in over 10 years, and also that I was never warned that I would be in jeopardy of losing the account due to its inactivity. If I would have been made aware beforehand, I wouldve gladly utilized this account .Not only to prevent a forced closure from occurring, but to also protect my credit profile. I am really worried how my credit is going be affected by this, as my available credit is going to be reduced significantly. Maintaining my credit rating is of utmost importance to me as some of the treatments I received are financed. Because of this, any substantial drop in credit score can affect my ability to finance my treatments/and or cost me more in interest to maintain the same level of service Ive been receiving. Closing this card could potentially create a financial hardship for me. As I think back to the previous experience I had with Capital One, although it was resolved, this created a fear within me ( of them closing my accounts ) of adding authorized users back to my cards. And by me not utilizing this option, I feel this was a precursor to me not having the activity I needed to keep this account open. I am ok with Capital One meeting their business requirements, and making account adjustments when they are required, but in my case I was never alerted to ANYTHING. I bank with other financial institutions and have encountered situations like this before in the past, but never have I been treated so harshly and unfairly, especially without recourse. After being loyal to Capital One for so long, and being a responsible cardholder, I truly hope and pray they will make an exception regarding their inactivity policy, and reconsider their actions and reopen my account.
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07/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Capital One bank closed my Quicksilver credit card account on XX/XX/22 without my consent. I did not know about the account closure until I logged into my account portal on XX/XX/22. Within my account portal I saw that my account was closed and my {$130.00} of cash back rewards removed. I check my accounts on a monthly basis and did not see any reminder within the account portal webpage about actions to take to prevent account closure. There was no webpage ribbon, no webpage pop up, no account documents that I could have accessed within my account portal warning me about account closure and what I could have done to prevent it. I have made all payments on time and have been a long standing account holder so was surprised by why Capital One would close my account without letting me know, and more importantly taking away {$130.00} of cash back rewards dollars that I rightfully earned.
On XX/XX/22 I called Capital One bank using the customer service number printed on the back of my Quicksilver credit card. The first call representative indicated that there was nothing he could do about the {$130.00} cash back rewards dollars since the account was already closed. He transferred me to a second call representative who indicated that I should have received an email on XX/XX/22 reminding me to use the credit card. I acknowledged receiving this email, but explained that it was overlooked and it would have been helpful if there were additional reminders and consistent messaging with what is shown within the account dashboard. With the risk of phishing attacks, I always check my account dashboard and trust the information shown on that over any emails. The inconsistent and lack of messaging from Capital One is unacceptable especially when {$130.00} cash back rewards is something I earned and should be easily transferred to an existing Capital One account such as a checking or money market that I already hold. The call representative heard my concern but again did not do anything about crediting me back my {$130.00} of cash back rewards. Additionally, when I asked about any impact to my credit score, she also could not answer my question.
This is the only Capital One credit card I have and I initially opened it because I needed a credit card that didn't have foreign transaction fees for when I travel XXXX. With the COVID-19 pandemic, I haven't been able to travel XXXX which is why I haven't used this credit card as often. I spent a significant amount to earn {$130.00} of cash back rewards and feel as though Capital One has robbed me of it by closing my credit card with only one attempt to notify me. I feel completely caught off guard by Capital One 's actions and question the bank 's intentions.
In an inflationary period, I am hurt by Capital One 's inflexibility to support its customers especially when they have not missed a payment and have been a loyal customer. It makes for a distasteful experience and certainly makes me question whether I should move all my assets out of Capital One in fear that they will close my other accounts without my consent as well. I have never encountered this situation before and feel that other consumers should be aware of Capital One 's lack of transparency.
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01/06/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi my name is XXXX XXXX and Ive been having a problem and issue from Capital one auto because I paid my car payment before the due date which was due on XX/XX/XXXX. My car payment is {$340.00} and I submitted 3 transactions for my car payment one for {$100.00} another for {$240.00} and another one for another {$100.00}. I ALWAYS pay on the app and when you pay on the app they add additional {$3.00} fee for using a debit card for each transaction as well. The money came out of my account on XX/XX/XXXX and on XX/XX/XXXX, so I paid on time. My email ALWAYS send me a confirmation email to let me know that the money came out of my account and theyll send me a confirmation code. Ive contacted Capital one almost 10 times within 4 weeks because they sent me an email stating I owed them {$100.00} because they never received the 3rd payment just only two. I contacted them and I asked for a supervisor and he verified their fax number which is XXXX to send my bank statements and he stated itll take XXXX business days for them to receive it. I went to XXXX office on XX/XX/XXXX and faxed my bank statements to their fax number on XX/XX/XXXX at XXXX PM. This was the same day I spoke with that supervisor. I waited in the time frame to contact capital one auto back and they stated they havent received it and to call back XXXX or XXXX and this was on XX/XX/XXXX. I called back XXXX on XX/XX/XXXX I was on the phone for an hour and XXXX or XXXX minutes and spoke with a representative and I told them to send me to someone higher up immediately please and I spoke with someone. That someone stated that they didnt receive my paperwork with my bank statements through fax, WHICH I FAXED ON XXXX XXXX XXXX at XXXX pm at XXXX to their fax number XXXX. They were asking me what fax number did I sent it to which was theres and it was correct I faxed it to the right fax number. I even contacted the XXXX store to ask them their fax number and the lady stated they could not find it and I had to fax it to them again to their same fax number XXXX and call back in an hour to see if we received it. Immediately, I went to XXXX XXXX in XXXX, NC to fax my bank statements AGAIN TO CAPITAL ONE AUTO. The lady that helped me at XXXX XXXX her name is XXXX XXXX and she stated they received it because it states success in their computers. I called capital one auto again in about an hour and a half after I FAXED IT THE SECOND TIME I told her to send me to someone higher up and they sent me to the recovery department and I spoke with someone name XXXX ( XXXX ) and she stated they received the bank statements and told me the president will contact me in 2 to 3 business days. Im contacting them today XX/XX/XXXX now as Im typing this and I asked for XXXX and she was unavailable so a representative sent me to someone else and the lady stated that the accountant department will have to look into this and an account will contact me today no later than tomorrow. The account number she verified is XXXX option XXXX and Ive been on the phone for XXXX minutes and no one is picking up.
Every time I call and go through prompts the automated system even stated that it was an error on their end.
XXXXI HAVE RECEIPTS AND PHONE CALL SCREEN SHOTS****
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02/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have contacted Capital One in XXXX of XXXX notifying Capital that there is fraud activity. Capital One notified 1. Account will be closed. For the protection of the account I won't have access, yes I did not have any online access no matter what I tried it's as if this person hacked. No credit card in hand. I thought the account was closed. Homeless in XXXX XXXX at the time with 3 suitcases, shelters, hostels you surrounded by crowded rooms. Capital One has used an unknown address to me in XXXX XXXX that I do not reside at XXXX XXXX XXXX in XXXX XXXX for 2 years authorites think I live there. They somehow leave an account open for 1 year which I never called in, said leave account open, Capital One somehow sends links to submit this payment including because they left account open caused the account amount to increase. Has anyone Heard of reporting unknown fraud activity, being notified by Capital One representative no fees will be applied to a closed account, fraud activity charge 's unrecognized, still almost to now a year an increase. Why would Capital One representative take my card for the charges I only recognized payment claim to be from Capital One, then Capital One says no recollection so who was I talking to?? As clear as a bell I remember to protect the account it will not be left open so that no fees will not be applied. How did it increase to almost XXXX when I reported close the account. I have no access. Remember including I have no checks. I had started reporting to authorites in XXXX including police in NY to protect my identity. I had even show reports to Capital One that to show someone had tried using my identity with XXXX, XX/XX/XXXXXXXX. Isn't that just very messed up. This person unknown to me tried using in XX/XX/XXXX banks such as XX/XX/XXXX, XXXX I reported in XXXX, including Fraud Alerts, there is a set up I did with XX/XX/XXXX that if anyone tries to in XXXX to create false checks in my name that I receive any Alerts in XXXX. Capital one says it was me??? I'm talking way ahead of time before XXXX of XXXX into XXXX making including Capital One aware. First of all I don't carry checks, I don't have multiple banks, homeless, 3 suitcases, living in crowded places with one eye open, stuff still gets stolen while you're sleeping. More than just my XXXX XXXX what am I doing in XXXX XXXX then with XXXX suitcases. To banks such as XXXX, XX/XX/XXXXXXXX that is no where near XXXX XXXX. I would literally have to take a greyhound. Ask XX/XX/XXXXthey only cater to only customers living close by or near area. Let me make this no card, no access, someone tried to use exactly the banks XXXX, XX/XX/XXXX that I reported in XXXX. Reported to Capital One look at this email. XX/XX/XXXX will include image. Yet the account stayed open a year. Who called said they were me, when you say close an account, receive confirmation how did the account stay open from XX/XX/XXXX to XX/XX/XXXX. How are you as Capital One said protecting especially your company. You left an account for all activity, status to be left open. For fraudsters who has/had access which I reported fraud activity. You told me in order to especially protect your company you said I would have no access, account closed.
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09/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I have been a Capital One card holder for many years in the past and for the present, over 1 year. I have done business with Capital One credit card services since XXXX. I have several credit cards, and I am not past due on any of them. My present Capital One credit card is current and I have never been late on a payment or missed a payment on any of my Capital one credit cards, past or present. I get updated FICO scores from all three credit bureaus once a month and my fico score with XXXX XXXXs XXXX, XXXX XXXX, XXXX XXXX at the present time. I applied for a XXXX XXXX XXXX XXXX credit card for points, but I was denied according to the letter of denial I received from Capital One dated XX/XX/XXXX says the reason ( s ) for the denial was I. Length of Revolving credit history. 2. Number of personal Finance Loan ( s ). 3. I have one loan active ( unsecure loan ). 3. Credit limits on recent bankcard Account ( s ). ( no explanation, vague to say the least. 4. Insufficient experience with high lines of credit or credit amounts. I have over {$15000.00} line of credit, and I have over 8 years of credit history with high lines of credit, as well as different types of credit experience, credit cards, secure loans, unsecure loans, etc. showing on my credit reports, shows all of the loans paid off except for one I am paying on, shows no past due amounts owed any where, etc. MY credit bureau reports shows some old closed accounts as well as open accounts with various types of credit, most of it is seasoned credit accounts, some open over a year, some three years, some over 8 years, some over 30 years. So there is no reason for me to be denied the credit card I applied for XX/XX/XXXX. I did call after I received the letter of denial to ask to speak to someone in credit, or a manger so I was put through to a floor supervisor and he said that there was no error and that there would be no review or appeal, and I thought a consumer had a right to ask for a review/appeal, but he said no, and I know that is incorrect. There is nothing wrong with my credit, and since I already have a capital one credit card ( XXXX XXXX ), I thought I would upgrade, or apply for another one that XXXX XXXX had recommended for me based on my credit scores. when I spoke with the rep from Capital One, he was rude, indifferent, didn't seem to care about keeping my business, he talked over me and would not let me get a word in edgewise, so he hung up. I believe I was treated unfairly, and with biasness, wouldn't let me speak to anyone in credit department about a review of the application. It appears to me that the denial was based on what a machine spit out, and a human being did not look at the application cause if that would have happen, I believe I would had been approved. The spokesmen did not allow me to speak to credit department, who makes the decision ( s ) to grant or deny credit. That is not right, and I believe it violates the consumer rights laws in accordance with FCRA and CFPB. The rep told me that they used the lowest FICO score XXXX XXXX instead of using XXXX ( XXXX ), and I thought that was strange, if capital one wants more customers, how come they didn 't use the highest FICO score to make a good decision?
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05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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Dear Sir/Madam I am perplexed with my application process with Capital One Bank. I received a correspondence from the above lending mortgage company advertising to refinance and receive a {$500.00} bonus in my account upon closing. I accepted the offer and did qualify according to XXXX XXXX . I supplied all the required documents to further process my refinance loan. During the transaction XXXX XXXX was able to retrieve my credit score and upon qualifying he made a request for a payment to conduct my appraisal. In turn, I gave him my visa credit card on XXXX XXXX , 2017. Later, I received a call as I was assigned to Loan Specialist XXXX XXXX who took over, and summarized my business dealing had with XXXX XXXX but more importantly, I expressed the conversation regarding the waiver of my escrow proposed by XXXX XXXX . ( if my appraisal was higher than {$260000.00} his company would wave my escrow ). XXXX XXXX said I should remind her at the end. Following our conversation a week after, I received a call from XXXX XXXX the Friday before XXXX weekend following up with me. On XXXX XXXX , 2017 XXXX XXXX said they placed an order for my title. In addition, she mentioned, my application was in under writing. During this time, I conveyed I was having an issue uploading my explanation letter and emailed the document. After I received an email from XXXX XXXX requesting all my bankruptcy documents in which I supplied on the date requested the following week I contacted her Manager XXXX XXXX being XXXX XXXX did not reply to my emails on XXXX 2017. He had begun to speed up the process. Next on XXXX XXXX , 2017 t he settlement representative had contacted and there after I received an email from XXXX XXXX XXXX XXXX requesting my signature to authorize release from my mortgage and equity for a payoff. The next day my application was denied because of my credit score. This action seems unethical and has bought fort unprofessional behavior in my dealings wi th Capital One Bank.
The point of this grievance is prior to the above transaction, my application was pre-approved XXXX XXXX 2017, an d then approved XXXX XXXX , 20017 a nd again XXXX XXXX , 2017 b ut for some reason on XXXX XXXX , 2017, I was denied. On XXXX XXXX , 2017 I r eceived a call at XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating she was preparing my closing with Capital One Ban k . M y question is this normal practice for a lending industry to actually, terminate my loan so abruptly at the phase of settlement knowing my score was XXXX during the initial application. There were numinous errors pertaining to my loan request on my application, amount of assets, purpose written as an equity loan meanwhile the offer is only for mortgage or refinance loan. I gather all the necessary documents to sustain my loan. I am not sure why or who drop the ball. I am requesting an investigation in this matter with Capital One Bank as I find this incident as unethical. Thank you in advance for addressing my concern with Capital One Bank as I am looking forward to a resolve. Sincerely, XXXX XXXX
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10/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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I made 3 payments to my 2 CapitalOne accounts, approved by my mother, from her XXXX account. When she received her statement, she forgot that she had approved these charges and notified XXXX, asking them to initiate an investigation. While she was on the phone with XXXX, I reminded her of her agreement that I use her account for these payments, and she immediately advised XXXX to discontinue the inquiry and pay the items. XXXX indicated that it was too late to halt the inquiry and it would take a few days for the process to run its course. While my mother was on the phone with XXXX, their representative contacted CapitalOne and initiated a 3-way call so I could explain the situation to CapitalOne. This occurred XXXX XXXX, XXXX. On XXXX XXXX, CapitalOne notified me I was over my credit limit by a substantial amount. I contacted CapitalOne and advised them that this was a result of the confusion that arose on XXXX XXXX. At that time, the representative told me my account was only 6 days past due, and no adverse action would be taken provided the account was paid promptly. My mother again contacted XXXX ; they indicated CapitalOne would be paid within 24-48 hours. On XXXX XXXX, the payment still had not been posted to my accounts, and CapitalOne told me they had closed my accounts. My mother once again contacted XXXX ; they told informed her CapitalOne had rejected payment. I originally spoke to XXXX, a Fraud supervisor ( ID # XXXX ) and was told there was no documentation in my records reflecting the conversations that took place XXXX XXXX. She told me that once an account is closed, it rarely is reopened unless supporting documentation is provided. She advised that if I could obtain proof from XXXX that they had contacted CapitalOne on the XXXX, they should be able to reopen my accounts. I subsequently spoke to a different supervisor ( named XXXX, ID # XXXX, in their Fraud Department ) At that time, my mother, a XXXX representative ( XXXX ), XXXX, and I had a conversation to discuss our next action. XXXX confirmed to XXXX the details of the conversation from XXXX XXXX, confirmed that sufficient funds existed in the XXXX account when the original payments were made, and that my mother had authorized those payments. I submitted a statement from my mother 's XXXX account, as XXXX requested. She then submitted that and her comments to the Account Closure Review Team. She said she would advocate on my behalf to get the accounts reopened and would call me back by Wednesday, XXXX XXXX. Today, XXXX XXXX, I 've received no call from XXXX and once again contacted CapitalOne. I spoke to XXXX, in the Fraud Department, who indicated that on Monday, XXXX XXXX, a representative named XXXX ( ID # XXXX ), in Account Closure, had notated the decision not to reopen my accounts. XXXX provided no additional information other than XXXX was not in today, and would be asked to call me when he returns next week. All contact with CapitalOne has been initiated by me, and I have complied with all requests to document what had happened. I 've never made a late payment ; my accounts had never been over my credit limit until this occurrence, which I had tried to prevent several weeks before CapitalOne took action.
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11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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My husband and I have been paying on a car loan for a used XXXX XXXX since XXXX. On XXXX, XXXX our vehicle was repossessed by Capital One Auto Finance without proper notice and or any sort of communication as requested. On XXXX, I ( XXXX XXXX ) contacted Capital One Auto Finance about our payment and the status of the vehicle. Since our vehicle had been inoperable for over a year, Capital One deemed our vehicle to be a total loss and the rep in the settlement department offered me a settlement of {$5000.00}. The representative also stated that after paying the settlement Capital One would apply the {$5000.00} to the account and that the account would be paid in full. After being offered the settlement, I told the rep as a customer I have the right to see a settlement agreement in writing. The rep agreed said that she would put it in the mail. Three weeks had passed and called Capital One again just verify that they sent out the agreement because it had to be signed. Another told, on the third week, that they would be sending out the agreement to be signed. Several weeks passed with unsuccessful resolution in receiving the settlement agreement in writing. After over a year the mechanic got the car to start after trying out a part from another vehicle just to see if it was drivable since the car had electrical, transmission, and motor issues, which Capital One was aware of. On XXXX, XXXX, the mechanic told my husband to test the car so my husband tried drive the car ( less than XXXX miles ) to where his work truck was parked. Before he even arrived to his destination the car had ran hot and he got someone to assist him with getting the car to where his work truck was parked. My husband arrived later that afternoon to find the car gone. He then called me and we call the local police department. We spoke a dispatcher at the police department and were informed that the vehicle was repossessed and we we 're in shocked! The dispatcher informed us to call one company then that company instructed to call the lien holder and gave us the phone number of the towing/ the company who repossessed the vehicle. We called Capital One and XXXX ( rude ), in the reinstatement department, stated that to reinstate the account that we had to pay {$6000.00}. I told the rude rep XXXX that the entire story about the settlement then he transferred me to the settlement department where I then spoke to XXXX. XXXX stated that we would have pay the balance of {$9000.00} to pay off the vehicle in full or pay want XXXX had instructed to pay, which was {$6.00}, XXXX to reinstate the vehicle. After speaking to Capital One Auto Finance, my husband and I checked our credit reports and found that that Capital One Auto Finance had, on both of our credit reports, the account for this vehicle was closed on XXXX XXXX, XXXX, the very month they made a settlement agreement but never sent out correspondence for us to sign. On our credit reports for the same account for the repossessed vehicle, the account was charged-off and has us owing them a balance of {$12000.00} as if we never paid them anything and all. Please seek into this matter as Capital One can not and should not continue to rip off customers. Thank you in advance!
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10/17/2015 |
Yes |
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Web |
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As my issues were never completely resolved with my last submitted complaint approximately 50 days ago, I 'm submitting another.
My previous CFPB # is XXXXCapital One Case # XXXXAfter about 2 months of fighting with Capital One, they finally gave me credit for the {$13000.00} balance transfer that was done in error the first time, and the second time never arrived. I was happy to hear from XXXX XXXX, in the " Executive Team '' via telephone. She said to call her if anything else happened, or if I had any further problems. Well, I did try to call her, using the PIN codes she provided over the phone and by letter. I stayed on hold for over 30 minutes and never got a voice on the phone, and called back multiple times that day - never reaching anyone, only listening to music on hold. I received her letter which also went to you, of Capital One 's version of the events - It mentioned nothing of the hell I went through, how extremely unprofessional they were at all times, and how not one supervisor over there helped me for 2 months while they charged me interest on {$13000.00} and then shut down my card for late payment. It does n't mention how they broke the law by not responding to my repeated requests to refund my my interest, and to reverse this charge - the hours I spent on hold, and how badly this hurt me financially. If you want to hear about the events as they actually happened, please contact me.
I 'm writing today because I had asked XXXX XXXX to do the following for me, in lieu of the mistakes made:1. Reverse the interest that I was charged2. Reduce my payment back to what it should be, as I could not afford to make a {$300.00} payment.
XXXX said this would be done, and that they would not report my late payment due to their billing error to the credit bureaus. I was given permission to make an {$82.00} payment that reflected my true balance, and that the payment would be adjusted. Well, It 's been a month since I spoke to the " Exceutive Team '' ie XXXX XXXX. Despite making the {$82.00} payment, my account has been shut down for the better part of a month, it says online that I 'm late, and that I owe a $ 160+ payment - which is not indicitive at all of my balance. And I have no idea if they reported me late to my creditors ( something they agreed not to do, as this is their error entirely ), but can only suppose that they did not honor what we agreed to in our conversation, as so many things continue to handled improperly. Though I appreciate what XXXX XXXX tried to do, I think, I still was given a number for her that proved to not get through to her, after many attempts, so this was not helpful. And after having called them hundreds of times to straighten this out, I can not keep doing so and expect a different result. I need my good credit in tact as much as you do, and if it 's not, this hurts me. I run a business and have affairs to manage - so I protect my credit carefully. I 've made all of my agreed obligations to Capital One, but this is just abuse. Not even after I reached the highest level possible did this issue get resolved, and I 'm in a much worse position now, from both a credit staindpoint and an overall financial standpoint. I 'm in complete disbelief.
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12/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/19 a fraudulent charge for {$8.00} appeared on my Capital One Mastercard from a company called XXXX XXXX which I have never used or done any kind of business with at all. I called Capital One on XX/XX/19 and they said they would have the charge removed within five business days, and they did. They also cancelled my account number and issued me a new card with a new account number.
Exactly one month later on XX/XX/XXXX, the same charge appeared again! I was furious as I could not understand how that could happen since I had never even used the new card for anything. It was still sitting in the envelope it arrived in, there was no way the new account number was " stolen '' by anyone unless Capital One exposed it.
I called Capital One again on XX/XX/XXXX and spoke to XXXX. This time he said it must be a recurring charge and that they would block the company from submitting the charge for a period of 15 months and that they would again remove the {$8.00} from my account. Well, none of those things happened.
On XX/XX/XXXX I called again to see why the charge was still on my account and spoke to XXXX who told me that they have an " arrangement '' with XXXX XXXX in which they update XXXX with new account numbers, meaning they GAVE them my new account number so that they can keep on charging recurring charges forever. After I got irate with her she transferred me to a " specialist '' named XXXX. He said that the only way I could protect my account from fraudulent charges was to close it, and that there was no other way to stop it. This infuriated me further but I reluctantly agreed because I was already tired of dealing with Capital One and wanted the whole thing to go away. He said he closed my account and that the charge should fall off my account within 5 business days.
Well imagine my surprise when 5 business days came and went with the charge still sitting on my account. I again called Capital One on XXXX and spoke with XXXX who promptly transferred me to a woman named XXXX that claimed to be a " specialist ''. She then proceeded to tell me that because my account is closed they do not have to investigate fraudulent charges and that it is up to me to contact the person doing the fraud and somehow make them stop. She further added that even though my account was closed they had every right to continue allowing the charge to be charged every month and that they had every intention of doing exactly that. She was incredibly snide during the entire conversation.
As far as I'm concerned they purposely lied to get me to voluntarily close my account at which point they immediately washed their hands and said it's all my problem now and they aren't going to ever do anything to stop these charges which I'm sure are going to keep coming forever.
What I want is the charge removed and the account permanently closed with a XXXX balance with no ability for anyone to make further charges. I should mention that as of the time I'm writing this, the only amount on the card is that {$8.00} fraudulent charge. I only have a handful of open credit accounts and I had to throw away over $ 1k worth of credit because of Capital One 's lies and their continuing willfully complicit behavior.
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08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, I opened a store account called XXXX. This is a very new account. The account is through Capital one bank.My first bill was due XX/XX/XXXX. I paid the bill out of one of my accounts, which happens to be a prepaid checking account through XXXX bank.
This payment was rejected, due to the fact that, even though it has a routing and an account number, it is still a prepaid account. When I realized this payment had not come out, I called them, and they stated the payment was rejected, because they did not take this type of payment.I then in turn, set up another payment to come out on XX/XX/XXXX, form my XXXX XXXX XXXX Personal Checking account, so that my first payment would not be reported 30 days late. After a few days, I watched my bank account online, and I calledXX/XX/XXXX back, and asked did you take the payment on the XX/XX/XXXX. They stated yes, I called my bank to see if the {$66.00} payment was attempted to be electronically pulled from the account on the XX/XX/XXXX, or anytime after that, on XX/XX/XXXX, and my bank stated no. I knew then, that something was wrong. On XX/XX/XXXX I received an email alert saying that my score had dropped, and a creditor had reported a payment 30 days late, Now, in my past, I have had some identity theft problems, as well as I recently lost my wallet earlier this year, so I have a fraud alert on my credit, as well as alerts set up when my credit is ran, or any type of activity on my credit report is going on, and I recently just had freeze 's removed from my credit.. I was furious when I saw this 30 day late payment in my email. I immediately logged into my XXXX account,, from my cellphone, to see who it was, and it was XXXX for Capital One. I called XXXX on XX/XX/XXXX, and asked them why wasn't my payment taken from my checking account. I explained the situation to the customer service rep, and I asked her to verify my routing and account number for my XXXX personal checking account. After we verified the account number, then the routing number, we realized that the last digit in the routing number was wrong. That is the reason my payment did not go through on XX/XX/XXXX, and that is why I was reported 30 days late. I explained to the rep. I do not know who is at fault, but I gave the right routing #, and account #,. I do not know if that person did not hear the last digit correctly, or it could have been a simple typo error., but in any event, I took a big hit for this!!. My score dropped down about 20 points, and my first payment is showing 30 days late. This is unacceptable.!!. I asked to speak to a supervisor. He took my information, and said an investigation would be done, and my account would be notated, and This process could take anywhere from 6 to 8 weeks. This is very unfair, and unacceptable, and I want this late payment removed from my credit report immediately, until this investigation is complete, Because All they had to do is send me an email, or a phone call, or text message, stating, they attempted to draft your payment, but something is wrong. They did not do that!!. Just like they bombard my email everyday, sending me constant coupons to shop, they could have reached out, and said something about the payment.
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04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
Servicemember |
In XX/XX/XXXX my husband and I were hit by a woman and our car was totaled. We had purchased gap insurance and it was financed through XXXX XXXX XXXX XXXX. When we purchased the gap insurance we were told that it would pay for any balance remaining on our vehicle should we have an accident and be upside down with the loan payments. This was not the truth so my problem begins with the XXXX dealership who sold it to me. Gap left {$140.00} and won't explain to me why I still owe {$140.00}. My insurance company paid the loan and is going after the other woman 's insurance company. Meanwhile I have Capital One who has gotten almost {$20000.00} back on the loan from the insurance, the gap, and the refunded vehicle warranty and maintenance package. On Monday we phoned Capital One and told them that we were still fighting the Gap company and that we also had a refund coming back from our tax and car registration and would be sending that to them as soon as it arrived in late XX/XX/XXXX. We asked the gentleman if we were going to be in trouble or if we needed to make a payment. He said we would not be reported on her credit bureau or bothered until XX/XX/XXXX. We explain to them that we wouldn't be getting the tax and registration refund until the end of XX/XX/XXXX per our local government office. He told us that was not a problem. The next day we started getting collection calls from Capital One. The gentleman is very pushy. He made my husband very uncomfortable. My husband had other injuries before this accident. He's a XXXX XXXX XXXX veteran. Now, he has a XXXX XXXX and XXXX XXXX too and we have this greedy overzealous toady harrassing us. Then, while I'm coming back from a 4-Hour turnaround trip to a specialist related to Medical Care from the accident I get a phone call from this same pushy gentleman. Enough. He needs to stop calling us and he needs to just wait. We are not working and living off of his XXXX pension. I don't care if the collector gets a percentage for what he collects. We've blocked his number. It is not okay to keep calling someone over and over and over and over because you don't like the answer you're getting. They've had a payment every single month. May not have necessarily been from us but we checked with the total loss department and they said that insurance payments, Gap, and payments and refunds would count as a payment for each month. By considering what she has told us we have not even missed a month payment. In addition to that we've called each month to make sure that this is so, so that it doesn't affect our credit. We have been told that it will not. As much as they've been paid you'd think that they'd say hey I'm sorry you've had a traumatic event let us write off this {$140.00}. I even told him we have at least another {$80.00} coming back that's coming to them. No such thing. My second loan on the replacement vehicle is through them and I'm sorely regretting it. I'm angry. I'm feeling victimized by every single entity that I'm dealing with. And I'm not happy. We have had to fight with every single entity involved in this accident to get them to do what is right. We did nothing wrong and we've been nothing but victimized. We're both tired of it.
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07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have made this complaint for 3 years to CapitalOne, over and over, I will change to another bank, but I am genuinely concerned, given what others have complained about when trying to do just that. This in and of itself, maybe yet another problem. However this is the complaint I have made last night to Capital One until I had a sore throat : COMPLAINTS ABOUT CAPITOL ONE If you want to pay your bill on line, it will show you anything but the bill itself. You'll get a screen that shows ; your Checking account, Savings or XXXX account and then supposedly your CC Bill. However, what it shows Front-and-Center is the total dollar amount as of the day you look at your account. BUT this has nothing to do with the amount that you actually owe during that billing cycle. Without exception, no other utility or bank statement works like that, that I've seen. Most are clear and concise about what you owe for that billing cycle and when its due. Clear and transparent. With Capital One if you actually want to look at your statement to verify charges ( which is always a good thing to do ) good luck with that. It is the most misleading, circuitous nonintuitive mess I've ever seen online. THIS IS NOT TRANSPARENCY IN BANKING. Moreover, if you call for help you'll be talking to someone in the XXXX, they don't know anything about this either, but they will have gathered a lot of sensitive financial information about you. If you speak with someone in the US, unless you speak to a " manager '' they'll just hang up if they don't know the answer.
It took 3 hours, last night to try to find a quick way to see my statement. It took a few YEARS to finally get my " paperless '' bill to show up ( email ) sooner than 4 days before it was due. Usually this means consulting, my spread sheet and having to login and then see the same misleading nonsense. There is a page that literally says " well how much do you want to pay? But nowhere, does it say, this is what you owe by such and such Date. There is a way of also changing when you get notice of your bill and at the end of the 3 hours, I did finally and for the first time speak to someone who knew how to do this. Nothing should be this hard. Their departments are hazily defined, I really hope the States attorney general looks into this, I don't see how this is even in line with regulatory guidelines. Meaning, the customer should be able to access their bill online in the same fashion you see on a paper bill and /or other sites. One should easily be able to check charges made and know what would satisfy that billing cycle in total.
A Word about outsourcing banking business. Believe me when I tell you that you have no control over what those people are doing with your information. Any laws meant to protect US citizens are virtually impossible to enforce in a foreign country. I have been scammed buy someone overseas working for XXXX XXXX XXXX ( they finally caught it ) after 4 months of XXXX. They took no responsibility, for the nightmare, and most recently XXXX XXXX, no less, did the same thing. but they also caught them. It happens, and it is happening more often.
It makes some sense to have a brick and mortar store if you can find one, to balance this out.
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04/26/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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Web |
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Greetings, During the month of XXXX, I deposited two checks by two persons who were purchasing my furniture and a pair of shoes on the websites, XXXX XXXX XXXX. Upon receiving the cashier 's checks, I used Capital One 's mobile deposit to deposit my checks and days later I received an email from Capital One saying the checks were cleared and I should destroy the checks, which I did. I then proceeded to pay the movers for the transfer of the furniture and to collection of the shoes, since the money was in my account. Less than three days later I receive a call from Capital One indicating the balance of my account and that both of the checks were fraudulent and my account was being close.
Subsequently, I was charged the amounts that I had payed the movers via XXXX on the Capital One mobile application and days later, Capital One discounted the amount I payed the movers from the fraudulent check from my personal funds. XXXX indicates in 1-3 business days whether or not the funds had been transferred. During that time, I received a call from Capital One about the transaction and asked them to cancel that transfer. They said that one transfer was pending and the other had already been processed and that there was nothing they could do. I insisted that two claims were filed, one for each XXXX transfer. Capital One said that there was no way they could know if I had kept the money and were resistant on filing the claims. I managed to file the claim with them after three, very, long phone calls. The following days were very confusing. I received no news from them, when I called they said that they would email me and send me messages through their portals ; I got nothing. Two bank representatives then told me that they were ending their banking relationship with me for fraudulent activity and that my account would remain frozen until the claims had been processed. I called again and was issued a new debit card without my authorization and was offered the chance to open a new account.
I explained to them that I did not understand what was going one and that I did not have any money as they had a hold on my account. I went in person to a branch in XXXX XXXX XXXX where I received an apology from a bank representative as she reopened the claim. One week later, the provisional credit was removed from my account and the account remained frozen, the hold still had not lifted. I called and was told the claims had not gone my way and I asked for my account to be closed as I no longer wanted to bank with them after I was basically called a thief and thrown out of the bank.
I am appalled at the lack of customer service and inaction I have received from Capital One. They froze my account for more than a month and quite literally kicked me out of their bank once I claimed that they help me get back the funds from my personal account. I made several phone calls to the company and, once I was told my claim was being processed and " going my way '' I confided in them to solve my issue. It did not happen and I am out almost {$3000.00}.
If you have any questions I would be more than happy to cooperate, as I have receipt from email conversations among other evidence.
Thanks in advance, XXXX XXXX
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05/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX, I applied for the Capital One Venture X. I was given a denial but no reason was offered. I was told to wait until the denial letter arrived 10 business days later, which the following words were printed : " Based on your credit report from one or more of the agencies on the back of this letter, there are too many revolving accounts. '' This is not the real reason I was denied. I called on XX/XX/XXXX and asked the Capital One phone representative to manually underwrite my credit application since my XXXX 1040 form accurately reported a gross salary with a verifiable income in the six figures. I was then told by the phone representative ( this representative was not in the XXXX, he identified himself as a US stateside Capital One representative ) that they can not manually underwrite me. The real reason for the denial is the practice of Capital One to deny customers credit who reside in a racially divided geographical area that Capital One has determined constitutes a higher credit risk, who otherwise would be approved based on accurate individual credit reporting.
I have eight active revolving accounts, & Capital One ignores that all accounts are in good standing, consistently report a credit utilization of under 10 %, and have a 100 % payment history over all 3 bureaus. With an average age of accounts of 4 years and 8 months according to XXXX, the excuse " too many revolving accounts '' is specious reasoning since an active credit history of " many revolving accounts '' has traditionally been used by all 3 credit bureaus as a positive indicator of low credit risk. According to credit bureaus, the amount and length of revolving accounts is a positive indicator, which makes up 15 percent of your XXXX Score. ( Again, Capital One used this as a illegitimate reason to deny credit and was used abusively to increase my credit risk instead of accurately using it to lower it. ) XXXX XXXX XXXX When the CFPB investigates XXXX they will find a pattern that Capital One applications that receive the denial message " there are too many revolving accounts '' is a dog-whistle reply that's given to people with good credit that live in predominately minority neighborhoods, with the intention of minimizing their credit risk portfolio that lower income neighborhoods legitimately pose to lenders. While it might " feel '' like everyone that lives in a lower income neighborhood " might '' pose a risk, the truth is broad generalizations applied to individuals is an inaccurate measure of individual credit risk which is why we have the XXXX algorithm in the first place, and which Capital One has ignored in my case.
This is a direct violation of Capital One 's own credit policies : " The ECOA is a landmark civil rights law that protects consumers from credit discrimination on the basis of race, color, religion, national origin, sex, marital status and age, among other things.
Capital One is proud to uphold the ECOA. Under this law, if your credit application is declined, you have the right to know why. If a consumer suspects a lender has been discriminatory, they can take action, thanks in part to the ECOA. '' https : //www.capitalone.com/learn-grow/money-management/credit-policies/
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04/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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|
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Web |
Older American |
On XXXX the XXXX of 2021 I took out a consolidation loan with XXXX XXXX XXXX XXXX. On the XXXX I picked up three checks for XXXX different creditors. I mailed 2 off and the 3rd I took directly to XXXX XXXX. They refuse to take the check so I called their main office and was told they are suppose to except the check, but they still refused. I took the check back to XXXX XXXX and requested that the check be made out to XXXX which is the company I have credit with but XXXX XXXX is the bank that I pay the bill to every month. I received that check took it to XXXX and it was received. The problem comes in when XXXX sends it to XXXX XXXX it is rejected again. I was not aware that this had happened until I just happened to check my account weeks later and realized the money was still in my account. I called XXXX and asked them why was the money not released they said it was and XXXX XXXX sent it back stating that my account number was wrong which was not true. XXXX told me I had to come in and fill out a Declaration of Loss form and that they would have to issue me a second check because I couldn't use the money in the account because that check could not be resent. They stated that they would destroy the check and issue me another one within 7 to 10 business days. I received the check within a few days and I called XXXX XXXX and payed off the debt received confirmation number. This transaction confusion continued into XXXX because I found out XXXX had sent them a check right after I sent the second one they gave me and I was not aware but Capital XXXX sent it back to them. At the end of XXXX I went into my savings at XXXX and found my savings gone and a negative balance was left in my account for {$3500.00}. I called XXXX and they told me I payed Capital XXXX twice. I responded that I had but XXXX check they replaced and asks how I payed them. I called the ACH department and they told me that the first check was forced back to Capital One even though they gave me a second check. My question was why and who authorized them to resend a check that was supposed to be destroyed. Nobody is giving answers but taking my money. XXXX told me I had to get the {$5900.00} back from XXXX XXXX before they could refund my money back into my savings. I feel this is unfair and unjust what XXXX did to me as a consumer. I called XXXX XXXX and they did say they were paid twice by a ACH transfer on top of the check I sent and they they were opening up so investigation and if it was found I owed the money they would take back. I payed XXXX back the money that was released to me from XXXX XXXX my savings was restored but Capital One has come after me again. They took almost {$6000.00} off of my credit card and raised the interest extremely high and messed up my credit. They are charging me a very high payment at the same time but the truth of the matter is these XXXX banks are stealing from me and lying. I have no never given XXXX permission to do a ACH transfer and I am tired of being penalized for the negligence of these banks. I need help with resolving this issue. I have been battling this problem for months and they are determined not to resolve it and take accountability for their mistakes. Thanks.
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08/25/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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- Account opening, closing, or management
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Web |
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I was adviaed via email that my deceased mother 's account had been dormant for too long. So I contacted Capital One and advised them that my mother was deceased and that I had been the personal representative of her estate. However I had administered her estate and all if her assets had been distributed before I became aware that this banking account existed. By the time i became aware of the Capital One account, the estate had been discharged. I was advised to provide them a court order reflecting that I was in fact the personal representative, a copy of her death certificate and a direction to pay letter advising how I wanted the funds distributed. I provided all three. I specificlly requested that they issue the check to me as there was no longer an estate. At no time would Capital One disclose either the account number or the amount of funds contained within it. A week later I recieved a call advising my request was denied because they would not issue the check to me without a " Small Estate Affidavit '' and another direction to pay letter. At that time I advised them that Florida, the state of my mother 's residence and closed estate, did not recognize a Small Estate Affidavit. I was told the check would not be released to me without one, so I prepared a notarized " Small Estate Form '' and a new Direction to Pay letter requesting the funds be sent to me as the personal representative and heir of my mother 's estate. On XX/XX/2016, I received a call from Capital One advising they did not need any further documents and they would be releasing the funds in a check made out to the estate of my mother. When I called Capital One to straighten this out, I was transferred to a XXXX who told me that that was all Capital One could/would do. When I asked XXXX why I had been made to submit the extra documents, he told me that the Small Estate Affidavit was not recognized in Florida. I told him that i had pointed this out to his predecessor during my previous conversation but they had insisted I provide one. XXXX then placed me on hold to speak with someone and came back to tell me there was nothing Capital One could/would do. When i asked to be transfered to his supervisor he advised me he was the highest telephonic individual I could speak with. When I asked for his last name or some reference number for him, XXXX told me that was confidential. When I asked to speak whoever he was speaking with when he placed me on hold, he once again told me that person was confidential and refused go transfer the call. Finally when i asked where I could write someone at Capital One, he told me the only thing I could do was fill out a customer satisfaction form. This process is absurd. Capital One has been provided with all the documentation they requested and even more documentation above and beyond that described on their settlement page of their website. I have provided a notarized affidavit and court order demonstrating that I was both the personal representative and heir of my mother and Capital One has repeatedly refused to acknowledge my standing in this matter. Capital One 's actions will cause prolonged and expensive litigation to release finds which Capital One has no right to retain.
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01/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
|
I have been a long-time customer with Capital One, holding a Venture credit card, a XXXX credit card, and an auto loan. On XX/XX/XXXX, both of my credit card accounts were, without warning, spontaneously closed. Upon reaching out to Capital One, they claimed this was due to numerous reversed payments. However, I was unaware that the payments had even been reversed in the first place ; upon submitting payments through the mobile app, I always verified that sufficient funds were in my account at the time of payment. However, payments would either take unreasonably long to pull from my checking account, or wouldn't pull at all despite sufficient funds in my account. For example, for my payment made on XX/XX/XXXX of {$1500.00}, I had {$1500.00} ( roughly ) in my XXXX XXXX checking account at the time. Then, the payment was reversed on XX/XX/XXXX under the transaction name " XXXX XXXX XXXX XXXX - XXXX ''. I logged into my mobile app on XX/XX/XXXX and noticed this at that time. However, upon reviewing my XXXX XXXX checking account, I still had the {$1500.00}, sufficient to complete the requested payment. Thus, I decided to begin making smaller payments ; I made a {$500.00} payment on XX/XX/XXXX that has STILL not been withdrawn from my checking account at time of writing. A further example : on XX/XX/XXXX, I made a payment of {$1300.00}. This did not appear on my account until the posted date of XX/XX/XXXX. Then, it wasn't until XX/XX/XXXX that Capital One attempted to withdraw the funds from my checking account. As a result, automatic transactions that otherwise would not have had an impact reduced my checking account balance just slightly below the {$1300.00} payment made. As a result, I received another " XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. I immediately rectified this by paying a much lower amount of {$1100.00}, which evidently processed just fine.
Upon discussing this matter with Capital One directly, I was advised that there was no remediation possible. They claimed to be unable to reopen my account unequivocally. They claimed to be unable to open a new account with the credit information they had available ( I had recently applied for a limit increase, so there is no reason they shouldn't have sufficient information on hand ). They claimed to be unable to provide any information on the decision, other than " this was a decision made by capital one due to multiple returned payments ''. Due to Capital One 's refusal to seriously address the matter, I am now forced to file this complaint. Capital One aggressively marketed their mobile application for quick, on-demand payment processing. It seems highly inappropriate and unfair for my usage of said mobile app exclusively for payments onto my accounts, and Capital One 's mishandling of those payments vis a vis delays, to result in punitive measures taken against me. I feel that their mobile app was deceptively advertised, giving a false impression of the speed at which payments made through the app were to be processed. It almost seems as though they wanted to avoid allowing me to utilize the {$400.00} worth of reward points I had accumulated, and to make me reapply for a brand new account with another hard credit inquiry.
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06/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAP ONE ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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11/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Hi, I sent out the following email to Capital One ( XXXX and XXXX ) on XX/XX/XXXX : Hi, I contacted Capital One Credit Card Customer Service at around XXXX tonight about the returned payment [ of {$1000.00} ]. I told the representative that I closed my XXXX XXXX XXXX Savings account but maintained my XXXX XXXX XXXX Checking account. When I scheduled the payment nearly last month ( on XXXX XXXX ), I used my checking account. In fact, I made transfers between my Capital One 360 Checking account and XXXX XXXX XXXX Checking account on XX/XX/XXXX and XXXX, and the transactions were successful.
I was informed on tonight 's call that I had to get a letter from XXXX XXXX XXXX and either mail it or fax it to XXXX. Capital One then would take 3-4 days to process it. Because this takes a long time, I asked if it was possible for me to make a transfer between my XXXX XXXX XXXX and Capital One checking accounts and to pay the credit card after the fund was available. I was told that it was, and so I made the transfer but was later told that the fund would be available on Tues., XX/XX/XXXX due to Monday, XX/XX/XXXX being a holiday. I proceeded with the latter option.
I am really concerned that this issue just came up two days after my payment was due. I have never missed a payment since I became a Capital One cardholder in XXXX. This will undoubtedly reflect poorly on my credit history. I wish Capital One can do something to prevent this issue to impact my credit history, considering I have done my best to schedule the full payment nearly a month in advance and proceeded with the fastest solution to fix the return payment.
Thank you for your time.
Best, XXXX Because the email was not responded to, I called the customer service again and was refunded the following amounts on XX/XX/XXXX : {$15.00} ( past due fee ) and {$50.00} ( interest charge adjustment ). I reluctantly agreed to pay the remaining {$6.00} of the interest charge ( {$56.00} was originally charged on XX/XX/XXXX ) because they informed me that {$50.00} was the maximum amount that they can provide me at the time. After the successful transfer between my XXXX XXXX XXXX checking account and Capital One 360 checking account, I paid my outstanding balance of {$3600.00} ( instead of the amount past due of {$1000.00} ) on XX/XX/XXXX.
Today, I found out that I have been charged with an additional interest charge of {$8.00}. My current balance is - ( minus ) {$23.00}. I called the customer service this evening and was told that they could not waive the fee. Since I already paid my card in full on XX/XX/XXXX and my balance is negative, I don't think it's right for Capital One to charge me an interest charge again. I was hoping that the CFPB could assist me with this issue and could ensure that Capital One does not take advantage of other people in this situation.
The attachments that I'm including are as follow : 1. Scheduled Payment Email dated XXXX.
2. Returned Payment Email dated XXXX.
3. Balance Summary Email dated XXXX.
4. Balance Summary Email dated XXXX.
5. Snapshot of Interest Charge Fee as of today.
6. Snapshot of Checking 360 as of today.
Thank you in advance for your time and assistance.
Best, XXXX
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04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
Re : This is certainly not an ordinary question. Make a move promptly you are in infringement.
NOTICE OF Forthcoming Suit Looking for Alleviation AND Money related Harms UNDER FCRA Area 616 and Area 617 Kindly acknowledge this last composed Proposition OF SETTLEMENT BEFORE Prosecution as my endeavor to agreeably determine your proceeded with infringement of the Fair Credit Revealing Demonstration in regards to your refusal to erase Mistaken, Strange and Refuted data from my customer record. I mean to seek after prosecution as per the FCRA to look for help and recuperate all money related harms that I might be qualified for under Segment 616 and Area 617 assuming that the Wrong, Strange and Nullified things recorded underneath are not erased right away. A duplicate of this letter as well as Wrong Mistaken Things shipped off you already will likewise turn out to be important for a f ormal grumbling to the XXXX XXXX XXXX and will be utilized as proof in forthcoming case furnished you neglect to conform to this proposal of settlement.
YOU ARE IN DIRECT Infringement OF THE FCRA, the unsubstantiated things recorded underneath still stay on my credit report disregarding Government Regulation. You are expected under the FCRA to have a duplicate of the first banks documentation on record to confirm that this data is mine and is right. In the aftereffects of your examinations, you expressed recorded as a hard copy that you " checked '' that these things are being " accounted for accurately ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a purchaser contract with my unmistakable on it ) as expected under Segment 609 ( a ) ( 1 ) ( A ) and Segment 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the technique for check as expected under Segment 611 ( a ) ( 7 ). If it's not too much trouble, be prompted that under Segment 611 ( 5 ) ( A ) of the FCRA - you are expected to " ... promptly Erase all data which can't be confirmed. '' I'm reaching you about the compromising of my government backed retirement number. I'm a casualty of Fraud. I reached the XXXX XXXX XXXX and documented a protest # I'm a casualty of fraud and I write to question specific data in my document coming about because of the wrongdoing that I as of late became mindful of. The things I'm questioning connect with no exchanges that I have made or approved. If it's not too much trouble, Eliminate this data at the earliest conceivable time.
If it's not too much trouble, know that subject to your reaction, I might be enumerating any likely issues with your organization through a web-based public statement, including documentation of any potential little cases activity. I'm likewise including a duplicate of my grumbling to the associations beneath : CC : XXXX XXXX Right hand XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1700 G. Road NW Washington, D.C. 2055 CC : Law office XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : State Senate CC : XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX CC : California XXXX XXXX XXXX XXXX XXXX XXXX ''
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06/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
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|
Web |
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On XX/XX/2022, I obtained a quote from XXXX XXXX XXXX to move approximately XXXX miles from a 3/2 apartment to a 2/2 apartment home. The quote I received gave an estimate of {$490.00} for XXXX hrs with two workers and a truck. The quote included that moving blankets were included, dismount of my 50 '' television, assembly and disassembly of furniture, unloading and loading of furniture, and included insurance. I explained all the furniture that I was moving and that it was a hard stop at XXXX hrs to the customer service specialist. The day of the move the two workers were moving slowly, kept trying to solicit additional money for items that were included in my quote. To ensure that I did not go over the XXXX hrs I started to assist the men who carried the light items first before disassembling any furniture which requires a lot of time. XXXX hours later, we were arriving at the new apartment and the price increased by {$50.00} bringing a total of {$550.00} of which {$400.00} was instantly wired via XXXX through my personal checking account with Capital One Bank. The two workers explained that my couch could not fit into the elevator and I had to pay an extra {$250.00} to bring it up the flight of stairs. They left my couch in the lobby of my apartment building. They also broke my {$75.00} lamp and did not assemble any of my bedroom furniture and stating that was an extra cost. I contacted the company and the owner did not want to reimburse me for the damaged lamp, and advised that I had to pay {$250.00} to move my couch, plus an additional price to reassemble my bedroom furniture. When I declined the gentleman left my furniture ( couch ) in the apartment 's lobby and did not assemble my furniture as agreed within the quote. They also damaged my my lamp and a section of my bedroom set which I needed to replace.
I immediately contacted the Capital One bank which I have a personal checking and saving account to cancel the transaction and explained what occurred in an effort to recoup the money that was paid since the agreement of my move was not fulfilled. The bank representative mentioned that a temporary credit would be provided within 10 days and another 45 days to complete the investigation. I contacted their office several times requesting that the credit be given temporary credit earlier as I needed to move my couch and did not have any additional funds to cover the cost until the investigation was completed. They ignored my request and responded on the 7th day that the investigation was complete and to work directly with the merchant and no further details were provided. I contacted XXXX the app who instructed to work with my banking institution to resolve the matter as the payment transfer occurred through their platform. The bank did not allow me to provide supporting documentation to the complaint and failed miserably to investigate this offense. I've submitted a complaint to the XXXX XXXX XXXX # XXXX and the Division of Consumer Protection OCN # XXXX concerning this complaint with the moving company who failed to respond and provide a resolution to this issue. This complaint is in regards to the actions taken by Capital One which I would like to be investigated.
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03/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
I applied to Capitol One for a credit card, because XXXX XXXX recommended it. I applied, filled out application honestly and up-front. A few days later I received a notice that it had been approved and I should receive my card within serveral days. When I received the card I got online from my computer went through the process to activate. Had to answer question and what ever they told me to do. I signed the card. I then received a message that it was activated. Yesterday, XX/XX/2020, I tired to use the card and it was turned down. I came home and tried to go through the XXXX or what ever the program is to see if I could find out what the problem was. The program was very intimidating, since I did not have a cell phone I would give them. It said there was a problem with my sign in. I went to CapitolOne.com and finally was able to find and call customer service. The woman there spoke very poor English and talked softly and very fast. I advised her that I was very hard of hearing and she needed to slow down, talk louder and enunciate her words so I could understand. She ask my information last 4 soc sec. # s, the last 4 of my card # s, name, phone number and I don't remember what else. She put me hold. Came back and said she still had to check on some other things and put me on hold again. She then questioned my about my phone number. I demanded to talk to her supervisor, and she hem and hawed about that and eventually she put me on hold again and I got a supervisor, whose name was XXXX. He said there was a problem why it was rejected. He said I needed to fax him or email him the front and back of my drivers license. I refused. I said I had no idea who he was and I know better than to send critical information like that to an unknown person. He asked me who I had called. I told Him I had thought I was calling Capitol One, but how did I know that this number had not been hacked. He assured me they hadn't been hacked. Which of course he would have said if he had hacked. I again refused to send him drivers license. He said he needed to scan the bar code on the back for additional info that would tell him who I was etc. I ask him what his office location was and he stated in XXXX, Florida. I told him since we could not handle this on this call I was be going to be contacting FTC and let them straighten it out. After contacting the FTC they said, I should probably start with contacting the Consumer Financial Protection Bureau ( CFPB ) and they would probably contact them if they felt they should also be involved. I am XXXX years and I am tired of large corporation trying to intimidate Senior Citizens. I feel that they were trying to make me use a cell phone to do my transaction etc., through one of those. I told him I had a cell phone, but I don't use it for anything like that and hardly ever turned it on. It is for emergency use only and immediate contact with a couple of my relatives, in case I need assistance. I thought Capitol One was an upstanding company and felt good about getting their card, to help rebuild my credit. The card is only for an amount up to {$300.00}. It is not a means for someone else to gather my information for selling to someone else for their profit.
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03/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
Fri, XX/XX/XXXX, I wanted to share that my Capital One Credit Card account was hacked, and fraudulent charges and payments were made by someone not me during this time. Someone apparently went in my acct and changed my passwords and updated my email and phone number to theirs. I dont know how because I have the only card plus they made a XXXX payment on my credit card acct using alternate checking information I am not unaware of. Its all strange to me but they closed it all down sending me a new card. When i tried to explain this all to Capital One they were unwilling to work with me or believe me regarding this fraud. Also, they continue to report this on my account as legitimate and continue to demand payment from me. They are also reporting this information late. I have reached out to them by telephone with no avail. I have presented the evidence and they still will not move on this. This is very frustrating because I know that these charges are not mine and I refuse to pay for clear and present fraud.
I made a call to capital one and advised them that someone made a payment on my account that I didnt make. Then I was advised that the account would be shut down and send me a new card. After the phone call I made to the representative I received an email saying my email had been updated which I do not do nor did I authorize. When I went to check my email I found out that there was another email and that the number had been changed.
XX/XX/XXXX That is when I called back. Thats when I found out the 1st representative never closed the account. Then I was told it was being closed for the second time. Then I was told I would I would be temporarily locked out from online until I got my new capital one card.
XXXX I received another notification that another payment was trying to be made. So, I called back to Capital One again. Thats when it was confirmed the 2nd rep did close the account but not before the request went through to close the account. The fraudulent person was able to get in a 3rd time. After all of this took place thats when they told me the account was officially closed, and you would not get a new card because, I would have to make a regular payment, then they would review my past due amounts and they would submit it for review to see if they could open it.
XX/XX/XXXX So, I made a payment around XX/XX/XXXX, and the rep said she would call me back to let me know when payment posted and submit for me to have my card re-opened. But they refused to do it because they accused the fraudulent person of being connected to me. They said so because, the name associated with the fraudulent telephone number came from someone supposedly related to me. I said that doesnt make sense because I dont know that person. The rep said it would be resent back to the fraud dept to let them know we are unrelated and that she would contact me in a week. We she called my back she said the final decision was they would not re-open the card. I then XXXX the number and found that phone number was associated with fraud. Which led me to believe that they did no research. Based upon this they refused to open the account back up and told me to make my regular payments on a closed account.
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02/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
Wednesday, XX/XX/23 approximately XXXX I entered the Capital One Bank XXXX XXXX XXXX ) Drive-Thru ATM closest to the street. I proceeded to make a cash deposit {$1100.00} ( XXXX {$100.00} bills ). The ATM was taking an unusually long time to complete. A message appeared on the ATM screen, Please take your items, otherwise they will be retained. Take your cash. The slot which I deposited the bills in never opened, however my card ejected. The next message on the screen, Good morning To get started, insert your card. Cash Deposits, Bill Payments and Check Deposits are currently unavailable. This message did not display on the screen prior to my making my deposit. I contacted the Capital One customer support XXXX when they opened at XXXX and spoke to XXXX who transferred me to the Customer Protection Department . I was advised by a representative it would take up to 10 business days to complete an investigation of the deposited funds. I was told the branch would not be able to assist and I would have to wait for resolution via the Claims Department.
Thursday XX/XX/23 XXXX, I called XXXX and was transferred to XXXX who provided a Claim # XXXX.
Friday XX/XX/23 XXXX I called XXXX. Again, after being transferred to the Claims Department I reached XXXX who advised it could take up to 10 business days to resolve my issue. XXXX became impatient with me after I advised I had been told by a Claims representative earlier that I would receive an email in a couple of days stating a claim was pending. XXXX then said I would not receive an email and I was putting words in his mouth. I asked to be transferred to his XXXX. XXXX transferred me to his manager XXXX. I asked XXXX why I hadnt received any communication from Capital One stating a claim was initiated and referencing the claim number I was given. XXXX went on to say any email generated is an automated system and no email could be sent beforehand. XXXX also advised the Capital One ATM machines are owned by a different company and they would not come out the same day to check the machine. I told XXXX I did not understand why there was no communication/correspondence sent to a consumer stating a claim was initiated on this issue. I told her I had not experienced any agency, organization or major company which refused to provide proof a claim was being investigated. XXXX advised calls to the Claims Department are recorded lines and I would always be able to reference the claim number provided to get assistance. I told XXXX this policy seemed irresponsible and didnt make sense. I asked XXXX where I could file a complaint and she advised the Consumer Financial Protection Bureau. I explained to XXXX this situation has put me under immense stress especially since this was a mechanical malfunction on the part of Capital Ones ATM and not my fault. I told her to not have access to my funds until possibly XX/XX/23 was unacceptable. XXXX apologized and told me unfortunately there was nothing else which could be done until the investigation was completed. There is no reasonable excuse why this should take this long to resolve. I have been a Capital One customer for a long time and I am devastated there seems to be no urgency in this matter.
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08/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
On XX/XX/XXXX I received an email correspondence from CapitalOne telling me my QuickSilver card needed to be paid by XX/XX/XXXX, with at the least the minimum payment of {$230.00} or the card would be charged off. I called immediately and spoke with a representative on XX/XX/XXXX who helped calculate any perceived interest charges that would be needed to FULLY pay off my credit card so it would be able to be used and so it would not be charged off. I paid {$910.00} via direct payment from my checking account to pay off the capital quicksilver card ending in XXXX. I was told this card would be ABLE TO BE USED once the payment went through and the account would not be closed or unable to be used. No one. NO ONE mentioned that account would become restricted and no longer able to be used by me, the consumer, even if I paid off the debt. The email I received used leading language that stated the account would be caught up right away and this option would turn things around on my account. NONE of the language shows that even if I paid this account for the minimum payment OR in full that I MAY have my card restricted. Nothing. I have scanned the entire email.
On top of that- the Representive I spoke with told me the card would be GOOD TO BE USED and the ACCOUNT COULD BE USED once the payment went through.
I go to use the card today, XX/XX/2021 and see that the account is restricted. I call CapitalOne and the first individual, XXXX, could not give me any information on what was going on with my account. After five minutes of being on hold I was told someone else would have to assist me. That was it. No other information came from XXXX. So I spoke with XXXX who informed me after about 8 minutes of being on hold that the account was restricted and just because I paid off my card before XX/XX/XXXX there was no way to un-restrict the card. This is the first time ANY representative has even mentioned this to me. To be falsely led to believe that if I paid my card off before it was sent for charge off and capital one was here to help me turn things around for my account, is fraud. Additionally, I paid not just this card off, but a SECOND capitalone account on the same day and that card is absolutely fine to be used and no one call tell me why that card account is any different.
To neglect to tell a customer that even if they pay their account in full or make the designated minimum payment by the due date set in place by capitalone, they can still have their account restricted and there is no way of unrestricting the card, this is fraud. That should have been made clear to me and anyone else that either a ) calls in to handle their account and get it current or b ) put forth in the email sent out to an individual alerting them to pay off their debt.
Furthermore- when I was struggling to get a paycheck and save to pay off my debt due to Covid, capital one rang me 10-14 TIMES in ONE DAY AND EMAILING Me directly after, non-stop. This actions is ALSO breaking their responsibility under the FDCPA. I chose to ignore it because I had other credit card companies hassling me as well, but now, Im super angry at their way of treating their customers- especially during a GLOBAL pandemic.
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11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
To Whom It May Concern, I am writing to dispute the handling of my credit card account referenced above and to request an immediate correction of the associated records. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the amendments made under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act regarding credit reporting accuracy and dispute handling.
On XX/XX/2023, I made a payment in the amount of {$200.00}, which was intended to cover the total balance due on my account. This payment was returned on XX/XX/2023, a critical fact of which I was not notified by any means. The absence of such notification is a direct violation of the FCRA, which mandates that consumers be informed of any adverse actions taken that are based on information from their credit reports ( 15 U.S.C. 1681m ( a ) ) and that furnishers conduct an investigation upon notice of a dispute from a consumer regarding the completeness or accuracy of any information reported ( 15 U.S.C. 1681s-2 ( b ) ).
Subsequent to the returned payment, the following fees and interest charges were imposed on my account without my knowledge : -A past due fee of {$29.00} on XX/XX/2023 -An interest charge of {$5.00} on XX/XX/2023 -A past due fee of {$40.00} on XX/XX/2023 -An interest charge of {$6.00} on XX/XX/2023 These charges were assessed and reported to the credit bureaus, leading to a derogatory mark on my credit reports. On XX/XX/2023, after being alerted to my account status by credit monitoring services, I paid the full balance of {$290.00}, as confirmed by transaction number XXXX.
The CARES Act, enacted in response to the COVID-19 pandemic, includes provisions that amend the FCRA to protect consumers ' credit scores from the impact of financial disruptions caused by the global crisis. Under these provisions, furnishers are required to report accounts as current when accommodations are made for consumers affected by COVID-19, provided the consumer meets the terms of the accommodation ( CARES Act, Section 4021 ).
Given these points, I request the following actions be taken by Capital One : -A full reversal of all late fees and interest charges applied to my account post the returned payment, considering the lack of notification and opportunity provided to me to take corrective action.
-An immediate and thorough investigation into the handling of my payment and subsequent reporting of my account status.
-Correction of my credit information with all credit reporting agencies to remove the 30-day past due notation.
-Written confirmation of the actions taken to resolve these issues sent to my address upon completion of your investigation.
I have attached copies of the payment confirmation and the credit report alerts for your reference. Please note that failure to comply with the FCRA and CARES Act provisions may result in further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal remedies.
I expect a prompt response to this letter and resolution of the matter. Please contact me directly should you require further information or clarification.
Thank you for your immediate attention to this matter.
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09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate.
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true.
XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection {$880.00} XXXX XXXX XXXX {$100000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.
Furnish information about accounts or other relationships with a consumer that is accurate.
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
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07/05/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
I am really wondering what is going on and/or not happening?
By this to simply state, is there any reason credit card solicitors need to shove scout companies at me and probably any other citizens? These evidence in question is merely the demand to place exceedingly high interest rates on our citizens, mainly at young folks and those who are so down and out.
It seems as though the clause is to be of " a hand of aid '' or to word pre approved of which in testing that water it is not pre approved at all.
Now to look the fullness of request, what is thee protection against over taxing?
Therefore, espionage in these credit companies need to be slapped in thier power and greedy faces.
How dare these credit card folks angle in this country to prey apon the needs of our youth.
How dare these credit card folks go after our veterans.
How dare these credit card folks call their conduct a freedom to do what ever they want plus change the rules. To benefit themselves.
How many of these credit card folks are unionized to call it " keeping it in the family ''.
All terms that do not lay out in fair business practices and respects our Americam Values should be in question.
Most of all, women attacking other women. Labeling of citizens without definite causes as in calling people forgetful, stupid, and incapable. Disrespect of our older citizens. No regards for life.
Now do you see the full problems.
How can anyone just snoop as another angle to attack a citizen?
Who runs these credit card companies? I have heard some acceptable phrases on groups of creditors as being shroud, determined, and effective when this is all a form of AGRESSORS OF POWER.
So, again why does it need to be complains about when espionage is obvious. You need to get on the real issues at hand. If not then you are apart of espionage and power channeling out of greed yourselves.
AMERICA 's debt is interest groups accomplished gains. Not American at all.
I have all ready told XXXX creditors they need to fix thier problems not attack thier customers. How difficult is it not to bring minds together who are exposed to the effects of debt and gain insights for solutions?
What causes debt is not always over spending either. Who does not grasp that XXXX.
It also is the lack of life in all people. It amazes me that after a full days work for a paycheck folks go home and lay around. No sense of being involved in how to save money at all. So I am not trying to be over stating the fullness of debt problems but start finding ways to communicate to adults that life is not all partying this town I reside in has absolutely no drive for life other than pay someone to do the work outside their work place. Because we only work for a paycheck and This is foreign mindset big time.
Punishing people like they are children is not appropriate either. Creditors do not see slander in what this credit rating scoring really does. XXXX sees ID theft I see defamation of character to place on what is not happening. Stacking on high interest rates as a punishment is senseless all around. XXXX.
I will be sending this compliant to the Governor of Wisconsin who is and has been bombarded with many unaddressed concerns, Thank you
|
02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debtstarted with a di! erent creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is di! erent from the o '' cial name. In addition, tell me when the Current creditor obtained the debt and who thepresent creditor obtained it from. >Provide veri $ cation and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide veri $ cation and documentation about why this is a debt that I am required to pay. The amount and age of the debt, speci $ cally : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other chargesare expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there havebeen any other changes or adjustments since the last billing statement, please provide full veri $ cation and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, andhow you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to con $ rm or catalog your claims. >I would like more information about your $ XXXX before I discuss the debt withyou. Does your $ rm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your $ rm have a debt collection license from that place? If so, provide the date of the license, the name onthe license, the license number, and the name, address and telephone number of the state agency issuing the license.
|
01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
Upon my purchasing my vehicle, I was reached out by a Capital One representative out to me to confirm the details of my new loan, including the amount and asked if everything was ok and if I needed something. I explained that the finance manager at the dealership told me that I could change my due date once the loan fully funded. My reason for inquiring about this was due to me letting Capital One know that my mortgage is also due at the end of the month, and having the auto payment come out, the same time as my mortgage could be challenging for me financially. I was again advised to call and speak with the customer service department to request a due date change.
I contacted customer service a couple of times, and was advised that they do have a due date change option, however it would cause me to have to pay additional interest due to moving the date after the initial contract date. I explained that is not the previous information that I was provided with and that it seemed unfair to charge me for a due date change by charging me additional interest. I then asked for a supervisor.
The call was transferred to the office of the President. I started receiving calls from the office of the President to follow up with my concerns. I called back and spoke with the gentleman that was assigned to my concern. From the very beginning of such call, he was extremely unprofessional and rude. He not spoke over me, but he also yelled at me. He explained that the due date change was not going to happen and that Capital One is not responsible for what dealerships may potentially tell their customers. I attempted to explain that this was also the expectation set by a Capital One agent. He refused to listen to me. I asked to escalate above him and he refused, saying he was the highest that I was going to speak with and that he had made his decision. He continued to belittle and be passive aggressive with me. I just decided to give up and even though it was a challenge to pay both mortgage and a car payment, I managed to do so up until the pandemic first started.
The strain of making both payments became great when the pandemic first started. I reached out to Capital One for assistance as I lost my job due to COVID-19 and had to find another one. They provided me with a total of three extensions which I am appreciative of, however they never advised me that these extensions would count against me. I was under the impression from the script that they read to me each time that this was a temporary form of assistance that they were offering their customers due to the pandemic.
Additionally, the have my car in their system as a E320 which is not the car on the paperwork, nor with my VIN number. They have therefore been reporting my credit reporting as delinquent previously for a car opposite of the E320 that they are showing in their system. I made numerous calls to them in regard and once again I was referred to the office of the President. Their resolution was, we can correct our system. My concern was you have been reporting me incorrectly, since you have a whole entire vehicle in your system and my car reporting on my credit. I asked how can both be accurate? Again, no resolution.
|
07/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
Agent XXXX ' ( sp? ) stated to me on the telephone ( XXXX/XXXX/XXXX call started at XXXX PST ) that she could " Push the due date out from XXXX XXXX, 2017 to XXXX XXXX, 2017. In this same conversation she stated that according to Capital One 's service agreement, payments made by the due date will not be subject to " Late Fees. '' She then proceeded to state that if some stated amount was not paid by XXXX XXXX, 2017, a late charge would be assessed. This statement is in direct conflict with the statements she had made previously. Regardless of this contradiction, she continued to state that she would " push out the due date '' but refused to stand by Capital One 's service agreement and not charge late fees if all past due amounts were paid by that date. As this agent had been double speaking and making offers that amounted to pay now veiled as " payment plan arrangements, '' I requested to speak to a supervisor. When XXXX came on the phone, I explained to her that XXXX ' had stated that she would " push out the due date to XXXX XXXX, 2017, '' but she refused to adhere to Capital One 's service agreement and not charge late fees if all past due amounts were paid by that date. XXXX avoided that issue, and explained to me how fees can be added into an account over time. I finally stopped her, explained that the details of accounting are not lost on me, and attempted to get her to address the question of XXXX 's false promises. At this point, XXXX refused to cooperate. I then stated to her that this call was recorded, and that in review it will be clear that XXXX ' stated at least 5 times that she would " push out the due date. '' I also stated that XXXX ' defined the term " due date '' according to Capital One in the phone call. XXXX 's response was, " If you want to pull the call that can take up to 4 weeks. '' I said, " Great, do it. '' Without another word, I heard ringing, and XXXX ( ID # XXXX ) somewhat confusedly answered the phone. At that point I had to re-identify myself with XXXX and explain the specific statements made to me by XXXX '. XXXX then attempted to explain the basic accounting of their billing system to me. After giving her a short time to feel she was heard, I redirected her to the real question at hand. Are you ( Capital One ) going to stand by the terms of your service agreement, and statements of your agent by " pushing the due date out to XXXX XXXX, 2017 '' and not charging late fees if all past due amounts are paid by that date. XXXX refused to comply. At this point I demanded a copy of the phone call and informed her that a complaint to CFPB would be filed. XXXX refused to provide a copy of the call, or a copy of the transcript of the call. I then stated, " In that case you no longer have my authorization to record anything I say. '' XXXX then said, " If that is what you want sir, then I can only advise you to hang up because I can not turn off the recording. This is EXTREMELY unsettling to me. Federal and State Laws state that recordings of conversations between persons can only be made with their consent. I have removed that consent from Capital One, and they have stated that they will continue to record my conversations with them anyway.
|
04/18/2016 |
Yes |
|
|
|
Web |
Older American |
On XXXX XXXX, XXXX XXXX fraudulent transactions appeared on my Capital One credit card in the amounts of {$250.00}, {$120.00} and {$500.00}. All of these transactions were with Nordstroms ( the merchant ). I have never shopped or purchased anything from Nordstroms in my life. I received a text notification regarding these charges on XXXX XXXX, XXXX in the afternoon and within moments, contacted the Capital One fraud department. Capital One neutralized all three of these charges on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nordstroms credited my account with {$250.00}. The effect of this was that my account was credited in the amount of {$250.00} two times, once by Capital One and once by Nordstroms. I recognized this was an error and paid Capital One, rightfully so, {$250.00}, which neturalized that transaction again. On XXXX XXXX, XXXX Capital One adjusted my account by adding {$250.00} and {$500.00} to my balance. As mentioned above, I neutralized the {$250.00} double credit. I received a letter unsigned, but dated XXXX XXXX, XXXX from Capital One, apparently from XXXX XXXX from the Customer Fraud Protection unit stating that {$500.00} was being added to my account because the account was credited two times in the amount of {$500.00}, once by Capital One and once by Nordstroms. A few days later, I received the exact same letter from Capital One. This is NOT CORRECT. Nowhere on any statement or account activity document does a {$500.00} credit from Nortstroms show up. I initiated numerous calls to the Customer Fraud Protection unit at XXXX, the number on the letter, These calls were an exercise in major frustration mainly because it was so difficult to understand the so-called customer service representatives because of the lack of their English language skills ( and yes, I did press the correct selection for English ). I left a return number for XXXX XXXX on several occasion XXXX and never received a return call or message. Finally, on XXXX XXXX, XXXX, I managed to get connected to XXXX XXXX ( I think XXXX stands for XXXX ). She went over this situation thoroughly and told me that this was a mistake made by someone other than her and she would see to it that {$500.00} would be removed from my account. She indicated that another department made this mistake. It is now XX/XX/XXXX and the {$500.00} remains on my account. I made several more calls to the number on the letter and was unable to convey my concerns in a manner that was understood by the customer service reps ( again, a language issue ). All they could say was that the issue was under investigation. So, This issue has been around now since XX/XX/XXXX and I seem unable to resolve it with Capital One. I am not sure whose fault this is, Capital One or Nordstroms, but I do n't believe it is mine. I called and reported the fraud, answered all questions asked of me ( which were mostly what my account number was ) and received a new credit card with a different account number. I am a reasonable savvy person in the financial and banking arena, but I have never, ever had a situation like this remain unresolved for so long. I am not sure what kind of problem Capital One has and I feel totally helpless and at their mercy.
|
01/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
While Out of town I was using my Debt / Credit card from Capital One Bank.
I made various charges as a credit card to the account.on XXXX Simultaneously an automated Debt Check hit my account in the amount of {$270.00}. This put my account into a low balance of {$130.00} On XX/XX/2018 a charges were put thru in the amount of XXXX on XX/XX/2018 {$8.00} XX/XX/2018 XXXX XXXX {$73.00} That caused a negative Balance of {$16.00} as a result caused a {$35.00} Overdraft Fee. Debt Card Charges on XX/XX/2018 {$23.00}, {$45.00}, I was then Charged {$70.00} Overdraft for {$68.00} in Card Charges. See attached XX/XX/2018 Statement.
On XX/XX/2018 Card Purchases {$3.00}, {$13.00}, {$49.00}, {$56.00} and {$100.00} were processed and the account was charged {$170.00} in Overdraft fees for {$230.00} of charges.
I was never alerted by Capital one as they allowed over 8 Charges since the negative Balance appeared. So from XX/XX/2018 to XX/XX/2018. So for over 8 days Capital one allowed me to run a negative Balance. Without any communication to me.
I found out about this about this on XX/XX/2018 and called Capital one customer service and Spoke to a Representative that identified himself as XXXX. I explained to him that I had no idea of the negative balance and why did not Capital One at least notify me. I also notified him that I am a Merchant and accept Credit and debt cards and when I put thru a sale Especially on a debt card the sale would be rejected as should so the purchaser can know that their is no more money and use an alternative way of payment at point of sale.
He apologized and said he could only credit my account 5 or 6 Overdraft fees but if I went into the branch they would credit my account for all the overdraft fees a total of 10 fees amounting to {$350.00} On XX/XX/2018 I went into my nearest Capital One Branch in Naunet I spoke to XXXXXXXX XXXX XXXXXXXX the Branch Manager. I explained what XXXX said. She told me that was not true. She then went on to say there was no XXXX at customer service that I called the Night Before. She said as a courtesy she could only credit me two overdraft fees a total of {$70.00}.. I explained to her that Capital One allowed me to run a negative balance for 10 days and that this pattern is predatory. She said sorry that is the best she can do. I said Fine give me the balance due and close all of my accounts and I Gave her XXXX to XXXX out my account and I handed her my debt card and told her to destroy it. She said that should do it.
Recently I Received a letter from Capital One stating that their was more charges to my account and more overdraft fees. Capital one Cleared Charges on XX/XX/2018 for XXXX cents and {$19.00} and Charged me {$70.00} in overdraft fees. then on XX/XX/2018 in the amount of {$17.00} with an Overdraft fee charge of {$35.00} and a maintenance fee of {$15.00}. another {$120.00} in Fees and they refuse to close my account.
So if you add it up Capital one charged my account a total of {$470.00} for {$280.00} in Charges that should have never been processed.
This is a predatory practice to say the least. This should be investigated not Just for me but also for countless other Customers they have done this to.
|
01/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
I went into XXXX XXXX XXXX dealership XX/XX/XXXX inquired about a XXXX XXXX XXXX. It was the end of the year promotion, which they were advertising no payments for 90 days. Prior, I had a XXXX XXXX XXXX which was going to be paid off less than a year. My APR rate was 3.99 % and I paid {$380.00} per month. I was asked if that was my budget and I said no more than {$500.00} a month with less than 6 % APR. When I left the dealership it was agreed and I signed a contract. However, a couple days later I was asked to come back because I missed an initial on a sub heading, but instead of me filling out that part, we had to redo the whole contract on the request of the loan company. Still not sure if it was finalized at this point even though I signed a contract already, three weeks later I received a letter from capital one finance stating that they were going to deny me. This was XX/XX/XXXX. On XX/XX/XXXX I got A letter from capital one saying I was past due four days for the loan. I wasnt sure if I was not approved, and I was under the impression I was getting 90 days no payment. I spoke to a representative and they said the due date in fact was XX/XX/XXXX. So Im getting all these mixed dates. I bit the bullet and made a payment and sign up for auto pay. When I looked at the last contract signed, my APR went up to 13.99 % prepayment at XXXX a month. I did an automatic payment set up weekly to break down the monthly payment, so about {$110.00} would be taken out of my account per week. When I came down in time for the draft, capital one finance was withdrawing my account {$460.00} a week, not monthly or what I originally set up. When I went to speak to a representative I got yelled that and told that I was no longer qualified for automatic payments. I showed proof to them that this was a computer glitch in the response I got was oh well it is what it is response. Not only was I lied about about the no payment for 90 days, I was given unpredicted and false information, and was mistreated. I was never given the right foot to start off with this loan. I had to sign a contract revision for separate times, got a letter of denial after the third week of me having the car, followed up with the letter of a due payment. They never wanted to compromise and was honest about the whole situation. Also, prior to me getting the vehicle, my other car was vandalized to the point where it was totaled. Both the dealership and the loan company knew I was awaiting an insurance payout. When the loan company found that out, they knew approximately how much more I would be getting and they wanted a larger down payment. I stuck with my original offer of XXXX down. And it up putting down XXXX. I also didnt get my settlement until nearly 6 months after the incident, but have made three months of payments on time. I dont understand the higher APR or why my payment was due 90 days before what was advertised. This is a main factor why I am behind on my car payment and why I am fighting them thru bankruptcy and credit discrimination. The very least I want is to get a fresh start with this loan and get it refinanced. I shouldnt have my car repossessed because of false information and discrimination.
|
08/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Complaint to Capital One : On XX/XX/19, I did receive an email in XXXX from CapitalOne baiclly stating the following : - It had been more than 3 years since last time I used my credit card account ( ending in XXXX ) and that for such reason, my account had been " restricted. '' - This means I could no longer use the card and that the account would be closed for " lack of activity '' after XX/XX/2019.
- Until that date, your account would remain " restricted, '' and that the restriction on my account could not be lifted before it is " closed, '' nor could it be reopened once closed.
- They kindly reminded me that I still had a reward balance of {$68.00}, and I still had until XX/XX/2019 to redeem the rewards before my account gets closed.
It is more than disappointing to hear that my account is being arbitrarily closed for lack of use despite the many years I used them, and always paying balances on-time. What is even more frustrating is that they didn't bother to send an advance notice giving you a heads up ( prior to them making the unilateral decision of closing the account ).
My CapitalOne account is the oldest account that I have and losing them will drastically affect my credit score, due to being the oldest line of credit ( and the one ultimately determining the length of my credit history ).
On XX/XX/19, I called CapitalOne and asked for something very simple : I asked for the contractual and/or legal basis for the decision and they were unable to answer my question. They kept saying that this was their policy, yet were unable to point out the specific provisions under the Terms & Conditions or otherwise cite any credible basis for this decision ( they didn't even provided a commercial basis for the decision ). After speaking with one of their Reps, I demanded to speak with a supervisor. I was put through and spoke with " XXXX '' ( agent ID XXXX ) but my questions ( which were very pointed questions in relation to this unfortunate decision ) remain unaddressed.
I'm extremely dissatisfied as to how CapitalOne handled my concerned ( even beyond the decision itself ), and at the very least, I feel misinformed and underrepresented, hence the reason why I'm filing this complaint. My objective in doing so is to better understand the legitimacy of CapitalOnes arbitrary action and, irrespective of the fact it lacks any " moral high-ground, '' where is this decision rooted since ( again ), CapitalOne failed to provide a credible explanation which I view as an abuse to their consumers ' trust. I keep some hope that CapitalOne will understand how important preserving my first credit line is for me and if we accomplish this, I would also compromise to use my credit card more often than I've had during the last couple of months - I understand that there are financial objectives and targets that CapitalOne needs to pursue to remain competitive in the market and, in this respect, I'm more than willing to work with them.
PS : A subsequent letter ( also in XX/XX/XXXX) was sent to me after I called on XX/XX/19 ( a copy of which is attached hereto ).
I look forward to a resolution to this issue.
Thanks and best regards, XXXX XXXX.
( XXXX ) XXXX XXXX XXXX
|
08/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
-Early in XX/XX/2018, from the Kohl 's charge website, I set an automatic payment for {$300.00} to be applied to pay off my total Kohl 's Charge Card balance. The funds were set to come out of my XXXX XXXX checking account.
-Around XX/XX/2018, I logged in to my Kohl 's charge account to change the checking account from which I wanted the funds to come out of for the XX/XX/2018 payment of {$300.00}.
- Since the Kohl 's Charge website software did not allow for 2 banks to be listed as source of funds for checking account withdrawals at the same time, I first needed to cancel the scheduled payment for XX/XX/2018, then delete my XXXX XXXX checking account as the source of funds for payments, add in my XXXX XXXX checking account info to have it on file as the source of funds for making Kohl 's charge payments, and finally, reschedule a new payment to be made on XX/XX/2018 for the same amount of {$300.00}.
-Everything looked fine on their website when I checked a couple of days later to make sure that there was in fact only one payment scheduled for {$300.00} on XX/XX/2018 from my XXXX XXXX Checking account.
- I checked again on the actual due date of XX/XX/2018 when the payment was scheduled to be made and to my surprise I noticed that there were now 2 payments pending, each for {$300.00}, one from the old XXXX XXXX checking account and the other from the new XXXX XXXX checking account.
- I called the Kohl 's charge Customer Service number to tell them what happened and ask them to either reject or reverse the duplicate {$300.00} payment which I had canceled but had somehow still showed pending to clear. I was told that there was nothing they could do at this point and I needed to request a refund by check back from them after both payments cleared. I was originally told it would take between 10 and 14 business days total to receive the refund.
- As a result, my Kohl 's Charge has shown a negative balance since then, but instead of a - {$300.00} balance, it only shows a - {$220.00} balance due to them calculating in a later purchase that was made after the closing cycle of the {$300.00} balance.
- After waiting 10-12 business days and still not getting my refund check from Kohl 's, I escalated the problem to the " Office of the President '' at Kohls corporate and received a call from their office on XX/XX/2018. They told me that a refund check was issued to me on XX/XX/2018 and should have been in the mail by XX/XX/2018. The rest of the time would depend on the speed of the post office delivery. So, at one week later ( on XX/XX/2018 ) not having received the check in the mail yet, I was told that they would resend it immediately and this time I should receive it in only 1-2 more business days.
- As of today, XX/XX/2018, after waiting a total of 19 business days, I still have not received the refund check. I know that they have my correct address on file since I also requested a new replacement Kohl 's charge card on-line through their website on the same day I spoke with the person at the " Office of the President '' and that new charge card was in my mailbox after only 2 business days afterward. ( I guess sales is a higher priority than refunds ).
|
08/13/2015 |
Yes |
|
|
|
Web |
|
I am being asked to pay a vendor directly for an airline ticket I purchased on XXXX XXXX with my Capitol One card, because Capitol One charged back the {$1200.00} cost of the airline ticket. I have already paid Capitol One for the airline ticket when I paid off my XX/XX/XXXX balance in full ( {$2600.00} ) on XXXX XXXX. I have a record of this transaction on my bank statement, but I can not access my credit card statements because my card is under investigation for fraud. The vendor is asking for proof I have paid from Capitol One, but Capitol One will not give me any proof because of the investigation. Capitol One has told me verbally that they will contact the vendor, but I do n't have any confirmation that they will do so.
Regarding the Fraud investigation, I have already been on a conference call with Capitol One with my sister XXXX because we believe the source of this issue is that there has been a mix-up with our information. After learning that my card had been closed, XXXX shared with me a letter she received a to her home address in XXXX, XXXX, informing her that she had opened a Capitol One account. XXXX called Capitol One to report that she did not open an account - I opened a Capitol One card in my name with my information, but she received a letter to her address to her name. I live in XXXX, XXXX and did not receive such a letter.
Here are the outstanding issue that need an immediate response:1. Paid Statement : Vendors are contacting me via phone and email regarding payment for charges I have already paid to Capitol One, such as a travel agency for the {$1200.00} airline ticket. The charge for this flight was on my XX/XX/XXXX billing statement ( XXXX XXXX ), which again, I paid the balance off in full and shows up on my bank statement. Capitol One needs to pay the vendors with the money I have given them when I paid off my balance in full.
2. Unpaid Statement : I received a paper statement for XXXX XXXX - XXXX XXXX with an outstanding balance of {$1300.00}. I can not access this information online, because my account has been closed. Vendors from this statement period have contacted me about payment. Please confirm XXXX things : a. If I pay this balance, will the vendors on this statement be paid?
b. If I can not pay off this statement balance because the account is under investigation, will it be considered a late payment? Will I be charged interest? I have the means and intention to pay off all outstanding balances in full.
3. Confirm that the investigation is underway and a time frame for when it will be resolved. I was told that it would take up to two weeks for an investigator to be assigned to the case, which was opened on XXXX XXXX but it has been more than two weeks, and as of today, XXXX XXXX Capitol One said an investigator has not yet been assigned to the case.
How is it that my sister 's contact information is linked with mine? When I called Capitol One today, they said that the number they had on file to reach me at ended in XXXX. That is my sister 's phone number. My phone number ends in XXXX. I am dismayed that the investigation is not yet underway even though it has been more than XXXX weeks since the case was opened.
|
10/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
I initially reached out to Capital One Bank before XX/XX/XXXX to alert them that I would not be traveling to XXXX XXXX on XX/XX/XXXX and to prevent the authorization of any transaction from the hotel. When I called the bank I was told by the agent that there is nothing they can do, and that the charge would have to post to my account before I could dispute it.
Although I was dismayed by that response, I was assured that I would be able to dispute it, especially as I was not traveling to the country and no one required the reservation I was being charged for. While nothing could be done, I reached out to XXXX where I used my card to make the initial reservation to request a cancellation of the reservation as the hotel still had ample time to cancel the booking, and also NOT to charge me for a trip I was not going on, as I had only held the reservation for a friend.
After not hearing back for several days, XXXX XXXX communicated that they refused to cancel the reservation. However to add insult to injury, the hotel placed the charge and hold on my credit card for {$210.00}, 2 days before my scheduled arrival date of XX/XX/XXXX after learning that I would not be in the country and did not need the reservation.
As a long-standing Capital One customer, I can not in good faith believe that as a financial institution entrusted with peoples funds that my phone call requesting this charge NOT be authorized, knowing I would not be in the country was ignored. After filing XXXX claims, being on hold for several hours ( amounting to at least XXXX hours if added across the different times I called ), even months after this entire ordeal took place I was only able to speak to XXXX customer service representative IN the United States. This person assured me that they would escalate my claim to which I waited to no avail and heard no response.
My first request is that there be a thorough review of the recorded calls on my account regarding this matter. It is unethical to know that a bank I trusted for well over 10 years allowed {$210.00} of my money to be paid out for a service I did not use, when they were alerted that I would not use it, told not to authorize it, and requested to consider the evidence presented. Regardless of the policies under which I entered my debit card number on XXXXthe abject and outright inability for XXXX XXXX to have grace and extend common courtesy and for Capital One to double down on that decision and not fully protect my funds knowing I did not use this service, was not in the country, and called them to tell them not to pay it reflects the choice to financially punish me for an honest mistake that I tried my best to prevent ahead of time. It also reflects the current state of affairs of prioritizing profits over people and businesses siding with XXXX another to the detriment of real people working hard to survive and try to maintain integrity.
In my communication to Capital One, I also asked that I not be issued a reversal credit during the investigation because I truly believed that Capital One would handle the representation of my finances, and because I did not want to have issues with overdraft regarding the amount in question.
|
01/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
In XXXX of 2021, I had 5 thousand dollars in my bank account. I had kept a balance close to that for close to 2 years. I became very sick that month and was bedridden. A family friend took my ATM card and took every penny except XXXX within less than 10 days. I called Once I got well, I checked my phone and saw that every I had was completely gone.
I was upset, naturally, and called Capital One. I was trying to hurry up and let them know what happened and let them know that hurricane Ida was about to hit XXXX XXXX and I might not be able to call back and go over the transactions that weren't mine for a while because we are going to lose electricity and phone service.
I explained that I was sick and a family friend came by to go pick up pet food and my prescriptions. They thought I meant that I told him to use my debit card for this, but I was just explaining why someone was even in my house. The pet food went onto my tab as it was from my work and my prescriptions had no copay. At no time did he use my card that day I had no reason to believe he had my card at this time. There would be no record of the pet shop or pharmacy transactions, because they didn't cost anything.
He then began withdrawing money and using the card unbeknownst to me. He would be the only one on camera during the times of the transactions. I filed a police report just before the storm.
By the time we had phone service and I called to give Capital One the information about the disputed transactions when Capital One informed me that they had " already closed the case and denied my claim. '' I hadn't even spoken to them as we had no electricity to charge our phones for XXXX weeks. They made this decision without even itemizing the charges! The person on the phone said the notes report that I was only " disputing XXXX dollars of transactions?! even though I hadn't itemized any of them and the number I had repeated was the 5 thousand.
I spent MANY hours on the phone with the fraud department, having to itemize 5 thousand dollars in transactions THREE times because each time I'd call asking for claim status, they told me they " didn't have any transactions listed in my file. '' I spent four hours each time on the phone itemizing these stressful fraud charges. Three times is unacceptable!! To deny an unfishished, unitemized claim is criminal. I can not articulate the anguish and frustration that this situation has caused me. It has been beyond a nightmare that I would never want anyone else to experience. I was not able to evacuate for a category 4 hurricane as I now didn't have my savings account suddenly. The horrors I experienced are indescribable.
It is UNACCEPTABLE for a bank to be this reckless with customers ' money, be it XXXX or XXXX. The amount of what I lost has almost cost me my life. I have had to have relatives help me as I was taken to court for non payment of rent. Can't pay rent with XXXX, especially considering nobody was able to work for the few months following the storm.
My literal life has no price tag, and I absolutely refuse to sell it for 5K. I will continue to pursue this issue until I receive my savings account back. My emotional damages are extreme as well.
|
03/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
On Monday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$470.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account. Then, on Tuesday, XX/XX/XXXX, I purchased merchandise/consumer good " Bitcoin '' in the amount of {$550.00} from XXXX XXXX, a company based in XXXX, XXXX, with the same Capital One MasterCard account. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : XXXX XXXX, XXXX XXXX, XXXX XXXX, etc., and it's value is only based on variable individual human perception. Despite it's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 2 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE INTEREST '' and a " CASH ADVANCE FEE '' for which I have received NO CASH! On XX/XX/XXXX, a FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed, then on XX/XX/XXXX, a FRAUDULENT CASH ADVANCE FEE of {$16.00} was assessed, then on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$6.00} was assessed, and finally on XX/XX/XXXX, another FRAUDULENT CASH ADVANCE INTEREST CHARGE of {$2.00} was assessed. The grand total of these fraudulent charges comes to {$28.00}. When I contacted Capital One directly by telephone regarding these fraudulent fees/charges, they adamantly refused to do anything about these charges, AND STILL REFUSE TO - thus breaking the law. ( Interesting how a Big Bank can break U.S. Law at will, isn't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX XXXX XXXX Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX ; XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX, XXXX XXXX. ( XXXX. XXXX ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These illegal actions by Capital One obviously constitute both FRAUD and THEFT, and DEMAND is hereby made that Capital One IMMEDIATELY withdraw these four FRAUDULENT and illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount of {$28.00} without any further delay WHATSOEVER! UNDER NO CIRCUMSTANCES WHATSOEVER will these Complaints cease until Capital One withdraws these four ( AND ANY FUTURE RELATED ) FRAUDULENT and illegitimate " CASH ADVANCE '' related charges and credit back to my account the full amount due!
|
03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
1. NOTE : I XXXX XXXX, DO NOT have any accounts with Capitol One. I paid off my accounts with Capitol One on or about XXXX XXXX with a letter enclosed stating Do not contact me ever again.
2. On or about the year XXXX my Fiance " XXXX A XXXX '' inquired with Capitol One over the phone with customer service, for her account best way for myself to be able to act in XXXX XXXX best interest regarding her account. XXXX XXXX XXXX was born in the XXXX, although she can speak XXXX, it is hard to understand what is being said. AND while she goes home to visit family due to lack of cell phone coverage she is unable to reach out for help if something arises with Capitol One. They asked if XXXX XXXX XXXX wanted to add me to her account and be able to purchase with a credit card thru her account, We both told that person NO!
3. Capitol One suggested to have me added as a XXXX XXXX like any company out there would have a contact person in this event with staff having a company credit card. We agreed to that over the phone.
XX/XX/XXXX I received an Alert from XXXX stating that Capitol One had placed a credit report on my with the credit bureau 's stating my credit is getting to high and lowering my credit score. When I called Capitol One on this matter the person I spoke to tried at her best to convince me that XXXX XXXX XXXX did want me to have a card I told her NO several times. Looking back Capitol one had added me to her account at some point without either of our consent, adding my name to the billing statements. XXXX XXXX XXXX saw these statements while she is home never noticed it, she would tear off the payment slip and make her payments.
4. I contacted a attorney she sent a letter on this matter. Capitol One response was absurd, making demands that they would not respond to this attorney unless I in writing say it was ok or by verbal over the phone and demanding I change my address to the attorney address later at the end of the letter demanding this attorney become Power of Attorney. Very confusing.
5. I called the number on the letter from Capitol One to give my verbal permission to allow the attorney to talk in my behalf than it all got exposed what was going on. Let me tell you I was Extremely UPSET, this tripped up XXXX he says he is a XXXX, he tells me it is in Fraud, someone put me on as the owner of this account, let alone trying to blame XXXX XXXX XXXX for doing so which she would never do. Then he slips out that Capitol One did this on their own, Capitol One commit-ed the FRAUD Now they are trying to cover it up submitting it as FRAUD to get it removed off my credit report. Today XX/XX/XXXX I get another notice from XXXX saying I'm over my credit limit with warnings how its affecting my credit score which was near XXXX now Capitol One is screwing it up with their FRAUDULENT activities. My attorney told me to file this complaint with you after I told her what Capitol One is or has been doing far to long without any ones consent or knowledge.
6. I requested a transcription of the conversation seeing it was being recorded XXXX Refused this and told me he didn't have to release nothing to me. He knows Capitol one is at fault and its recorded.
|
09/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
On XX/XX/2021 I requested an increase on my CAPITAL ONE credit card because the current limit was not beneficial to me as a consumer. The account was open in XXXX of 2021 with a limit of {$300.00}. Between XXXX 2021-XXXX 2021 I paid the card, amounts ranging from {$260.00} and {$290.00}, a total of 5 times which proves I am able to maintain a higher limit. Even though I have always made payments ahead of time and in full, because my limit is so low if I make one purchase that is more than {$80.00} it makes it seem as if I have high utilization when in fact my limit is just too low to be an asset to my credit. This was shown when CAPITAL ONE reported to a credit reseller in XXXX of 2021, even with my payment being paid well before the due date, that I had high utilization which resulted in a 105 point drop of my score. This is what led me to request a limit increase because with a low limit I have no real freedom to even use my card because as I stated I used this card for household and personal use. With a family of five it is rare that I make a purchase below {$80.00} and therefore this account, again even though it is always paid ahead and multiple times a month, will always show as a derogatory account in any reporting agency 's files. On XX/XX/2021 I received a denial letter from CAPITAL ONE with the reason stated as " Your account is too new. '' With this information I contacted CAPITAL ONE 's credit department and asked how to dispute this denial letter, to which I was advised that there was no process to dispute because the letter was a suggestion to apply when the account is older. However, knowing that a suggestion is not a law or policy I advised the representative I would like to deny the suggestion and move forward with the original amount I requested since not only am I of age, mentally and physically able to contract, and have shown that I am able to maintain the limit I requested. The representative again said there was nothing that could be done I advised her that by them denying me my right to credit this was violating my rights as a consumer and constitutes discrimination pursuant to 15 USC 1691 or the Equal Credit Opportunity Act. The representative was not aware of the information I was giving her so she advised that I see if I could go in person to a CAPITAL ONE branch and speak with a credit specialist. On XX/XX/2021 I called multiple branches and they all advised that there was no such specialist and has not been a credit specialist in any of the retail branches. Having this information I called the credit department again to try to solve this matter. Once I explained the situation and invoked my rights as a consumer the representative sent me an email to upload documents regarding my claims which I did right away. On XX/XX/2021 I called to get an update on my case and was advised that a document had been posted, but not yet sent to me, again denying that anything could be done about the limit increase without providing a company policy or law to back up the denial. CAPITAL ONE has denied me my right to credit by discriminating against me due to the age of an account which directly constitutes a violation pursuant to 15 USC 1691.
|
09/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
NEW INFORMATION ADDED & NEW CORRESPONDENCE ATTACHED.
XXXX recently responded to the emails I sent to corporate. They attempted to make me whole in regards to refunding me what I was overcharged. This is undeniable proof that the merchant recognized their wrongdoing. According to the Fair Credit Billing Act limits liability to {$50.00} and I shouldn't have to pay this contract because it was broken and I was accessed fees and charges that were false in nature. This has become a great financial burden to me, and I would like my personal checking account reinstated and fee 's that I've been accessed to be reimbursed and corrected.
I rented vehicles on my vacation in XXXX on : 1 ) XX/XX/XXXX - XX/XX/XXXX 2 ) XX/XX/XXXX - XX/XX/XXXX We arrived at the airport on the XXXX of XXXX and were told by a salesman that our XXXX Employee discount allowed us to get a nicer car at the same price. He tried up selling us several products for the vehicle and we DECLINED them all. We both hold car insurance policies that cover rentals, and our XXXX XXXX Credit cards and XXXX XXXX also cover incidental & rentals so me and my partner declined. We ended up getting charged for a Damage Waiver enrollment ( {$43.00} ), Roadside Assistance ( {$13.00} ) and several other fees and XXXX miles ( {$65.00} ). Some of these items were added after we left the XXXX without our knowledge.
When we arrived back on the XXXX we noticed one of our passports were gone and also asked about some of the fee 's being corrected. We were told the manager would see to it when he was available and that they would " Take Care of us '' -- so we rented the same vehicle and extended our stay to get a new passport at the passport agency.
on XX/XX/XXXX - XX/XX/2019 due to us noticing the passport and cash was gone we rented another vehicle and schedule an appointment with passport agency. Once we got back we noticed we were charged additional fees and a Car Class Change fee ( {$160.00} ) for the same vehicle we had! We also were charged a Time & Distance Fee ( {$65.00} ) for XXXX miles. There no way we could have driven that much because we picked it up at XXXX XXXX and spent the entire next day at the passport agency waiting in line on a first come first served basis.
When I got back to XXXX, Minnesota I called the XXXX XXXX about 20 times then a local branch told me if they don't reply I should just dispute it because it seemed to be mishandled.
I notified capital one of this and they reimbursed me the funds ... then several months later they charged my account take it negatively and began assessing me fees. I called to speak to the processor but I got a rep who told me management/processor would call me and that I couldn't speak to her manager. ( I have the recorded call ). I told her the FDIC Guarantees and protect my money and she told me if they allow my dispute the bank will lose money because XXXX presented a contact -- even after I told her they made changes to it after I had signed and I had specifically asked to not be enrolled in those programs. I never received a call from management or the processor. It has greatly impaired my ability to pay my car payment and pay my bills on time.
|
03/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
RE : Capital One credit card # XXXX Previous CFPB Complaint XXXX 1. On XX/XX/XXXX, I filed the following CFPB Complaint Case # XXXX XX/XX/XXXX compliant was to provide a transparent written documentation of Unauthorized charges on my Capital One acct.
2. The fraud transactions took place between XX/XX/XXXX & XX/XX/XXXX *As part of that claim, I also disputed that Capital One had restricted my Credit Card account as a result of the Fraud events taking place between XX/XX/XXXX _ XX/XX/XXXX.
I advised Capital One they had closed my account in error since the reason for closing my credit card account was factually due to the wrong information ( Reported Fraud transactions ), they are required to reopen the credit card account.
* Capital One refused to send me a replacement card * Capital One refused to fully explain the current status of my Credit Card & *Capital One refused to send me written notification of the status of my credit card.
*I have made numerous attempts vio Live Chat, the CFPB and over the phone.
*Each time Capital One has literally refused to answer any questions concerning Why they have not mailed me a replacement card and Why my account is closed.
3. On XX/XX/XXXX I filed the following FPB complaint # XXXX 4. In the XX/XX/XXXX complaint I specifically requested answers to why my replacement card was not sent as a result of my XX/XX/XXXX Fraud report and request for a replacement card.
As a result of the fraud it seems Capital One has restricted my account, but I do not know what type of restriction that is or when it was placed because I have not received any kind of notice explaining.
5. Additionally, Capital One has recently restricted my online access, they have restricted me from the Live Chat option 6. As of XX/XX/XXXX Capital One has not mailed me my replacement card as required by their own contract, agreement and terms. Capital One has not lifted any restrictions caused by the fraud and has not made any attempts to answer the questions posed.
7. As of XX/XX/XXXX Capital One has completely restricted any access for me to my credit card info Online. Therefore I can not even make payments. I attempted to find my account using Capital Ones portal by entering all my personal Information. I get a response that says No Account information could be located.
**What is seems like and what Capital One has implied through their many responses and lack of responses, is that their security system, which Capital One touts has the best to solicit consumer confidence was unable to detect obvious spending pattern changes and payment pattern changes, which should have been detected. Therefore, refusing any accountability and ultimately covering up the security deficiency.
To Summarize : a. ) My Capital One card was stolen and used without my permission b. ) Capital One conducted an investigation and credited my account c. ) Capital One refused to follow protocol per contract terms and Federal law, by refusing to replace my Capital One card d. ) Refused to notify me of the status with 45 days e. ) Refused me on line access to my Capital One account f. ) Refused to address why their Security algorithms did not detect the fraud activity
|
03/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
I have been struggling to make payments on my car in the middle of the pandemic. However, I am reporting because I feel that the finance company I am currently with are complete harassers. I have been a loyal paying customer from XXXX. Unfortunately, I hit a rough patch, which this company is aware of that. They are notified of this every time I call. The first time that I started being unable to pay was in XXXX. I asked then for extensions, which they allowed me four times. I believe around XX/XX/XXXX, I was able to start back making payments. After XXXX months though, I called them in advance to let them know that I needed another extension because things were getting tough financially again. At that time, I figured I did pay XXXX months and it was a new year after all, XXXX. Unfortunately, they did not grant me an extension. I was stunned due to the fact that they claim they have options available to their customers. I was deeply upset because I called in advance before I started being late again and they were totally unsympathetic. So, my payments fell behind until I owed about {$2000.00} after months in delinquency. I struggled to finally pay it. But eventually, my account became current after an epic struggle. Another disappointment with this company, is when I call to inform of my hardship, they asks a series of questions, all to come back with " you don't qualify for any assistance ''. I think being affected financially by inflation while still in a pandemic qualifies for something right? Wrong. These are complete predators at best. I also discovered recently that when you pay the total past due amount, fees and all ( referring to when I got back on track on my account in XXXX ), the fees are still owed. As if, they want you to pay extra forever after you become delinquent. So, I managed to finally make some kind of payment the other day, after months and when the payment posted, my account STILL said 100 days past due. Normally, when I make a payment it pushes my account out of repossession status. This time around it did not. So, I called yesterday morning and explained how I thought this was quite odd. The female representative was rude and stated to me that she had been with the company for XXXX years, being dismissive as all the others I have spoken to in the past. She went on to state that I needed to make {$120.00} payment in order to bring it out of repossession status. By the grace of God, I ended up getting a family member to lend me the money. So, I paid this amount. Checked to see if payment posted this morning, which it did. But account is still so close to repossession, which is CRAZY since the payment pushed it back from 100 days to XXXX about a month back. I am just fed up with this finance company. They are complete bullies and liars, claiming they have options when they XXXX well don't. They profit off their customers pain, even their loyal customers who once did pay well and just happen to be struggling for some time to make ends meet now. Give options, and sympathize is all I'm asking. This was my first time buying a car. You live and you learn, I guess. Going forward, I know to never get financing through this company again.
|
09/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I do not consent to this organization marking this complaint as a duplicate. I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. Also take notice, Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Capital One has not rebutted the Affidavit I have sent them. I have received a letter after stating that they are looking into my complaint but why waste my time with that letter they should have rebutted the Affidavit. Capital One is in violation of 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ). Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have uploaded documents of my 1st Affidavit sent certified mail and received on XX/XX/2021, Debt Validation and 2nd Affidavit showing proof of what i am saying today.
|
05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
To Whom It May Concern : I really wish I read the reviews before deciding to bank with Capital one because so far, this bank is nothing but stress! I opened this account in XXXX, and didnt have any issues until the beginning of XXXX. My account was compromised and used in a different state, when I realized that later on I called Capital one to dispute charges that I was seeing through my online banking. Once I told them those charges were fraudulent they told me theyll start an investigation and get back to me. I really dont believe they investigated anything, they lie and wait 10 days then decide if they want to give you provisional credit or not. While doing the investigation a representative called me on XX/XX/XXXX while I was in class and left me a voice mail to give them a call back which I did that same day and she was asking me the dumbest questions I can think of. On the XX/XX/XXXX my wallet was stolen and my debit card was used again at a gas station and I called Capital one and reported it and even gave them a police report. On the XX/XX/XXXX they sent me a message stating my dispute was denied, when I called them to ask them why it was deny, one of the rep told me it was denied at first because they called me and didnt get a hold of me which was a lie because as soon as I got out of class I returned their phone call. Theyre basically stating I used my card in 2 different states at the same time. I called some of the merchants and were told my card number was entered manually but capital one lied and said thats not the case. They refused to reimburse my money. I asked them to show me documents that led to this conclusion and all they sent me was my statement. They dont know what theyre doing. Im a law school student and can do a better job investigating than them. Every time you speak to a representative they switch stories and tell you different things I spoke to my Attorney about this and he agreed with me. I will be filing a lawsuit because this is ridiculous. My claims numbers were XXXX and XXXX. This is the last message they sent me! NOBODY has yet to give me a valid reason as to why my claim was denied and I dont even care anymore I JUST WANT MY MONEY BACK! I will be closing these accounts soon!
This is the last message they sent me after I requested documents.
We received your message about your dispute. On XX/XX/XXXX we let you know your dispute was closed because we didn't find any errors during our research.
As requested, here are the attached docs used to make our decision about the dispute for the following transactions : Transaction Dates and Amounts XX/XX/XXXX - {$20.00} - XXXX XXXX XXXX 0XX/XX/XXXX - {$500.00} - XXXX XXXX # XXXX XXXX XX/XX/XXXX - {$14.00} - XXXX XXXX XXXX XX/XX/XXXX - {$32.00} - XXXX XXXX TXXXX XXXX XX/XX/XXXX - {$47.00} - XXXX XXXX XX/XX/XXXX - {$63.00} - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$84.00} - XXXX XXXX XXXX XXXX XXXX We understand this isn't the resolution you'd hoped for, but we consider the charges valid and due as billed. We've thoroughly addressed your inquiries and won't be responding to future communications regarding this dispute.
Thanks, Claims Support Center Capital One Member FDIC
|
08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I am writing to formally dispute the recent disclosure of my non-public personal information to the non-affiliated third party, XXXX, by your institution. I am deeply concerned that your institution may not have complied with its legal obligations as defined under the United States Code.
As stipulated by 15 U.S. Code 6801 ( a ), it is unequivocally the obligation of financial institutions to protect consumers ' non-public personal information. Furthermore, according to 15 U.S. Code 6801 ( b ), financial institutions are required to establish appropriate standards to ensure the security and confidentiality of customer records and information, protect against potential threats or hazards to the integrity of these records, and prevent unauthorized access to or use of such records or information, which could result in substantial harm or inconvenience to any customer.
My dispute centers on the following issues : Lack of Consent : I did not provide my explicit consent for the disclosure of my non-public personal information to XXXX. Under federal law, such consent is mandatory before sharing such information with non-affiliated third parties.
Failure to Provide Opt-Out Notice : I have not received any opt-out notice from your institution as required by 15 U.S. Code 6802 ( b ). The law clearly mandates that consumers must be given the opportunity to opt-out of having their information shared with non-affiliated third parties.
Lack of Disclosures : Furthermore, I have not been provided with the proper disclosures as mandated by 15 U.S. Code 6803 ( a ). These disclosures are vital for consumers to understand how their non-public personal information may be shared and for what purposes.
Given these significant concerns, I hereby request a thorough investigation into this matter. If it is found that my non-public personal information has indeed been disclosed to XXXX without the required opt-out notice and disclosures, I insist that this reported information must be promptly deleted in accordance with federal law.
I remind your institution that it is not only bound by these legal obligations to protect customer information but also has a responsibility to maintain the trust and confidence of its customers. Failure to address this issue adequately may result in severe consequences, including potential legal actions.
To resolve this matter, I kindly request the following actions to be taken : Immediate Investigation : I request that your institution conducts a comprehensive investigation into the alleged unauthorized disclosure of my non-public personal information to XXXX.
Removal of Disclosed Information : If it is determined that my information was disclosed without the required consent, opt-out notice, and disclosures, I request that all such information shared with XXXX be promptly removed from their records.
I expect your prompt attention to this matter, as it involves the protection of my personal financial information and your institution 's adherence to federal law. Please acknowledge receipt of this dispute letter in writing within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). I've Included Attachments To Support My Case.
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11/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XXXX of XXXX I replied to a email offer and applied for a Master Card from Capitol One. I was approved for a {$600.00} limit and a account was opened and card was sent to me for a new account.
I used the card and within the first 45 days made purchases and expenses that I expected to pay over a year and establish my credit.
I payed my first bill, and my second bill and then when I went to use my card in XXXX, I was told that my account was closed.
I called them numerous times and nobody at the company could explain why my account was closed and kept giving me the runaround.
I attempted multiple efforts to get an answer and after 3 or 4 months and multiple unsuccessful attempts finally someone in a supervisor position said to me the account was closed because there was a mistake on their part and the department that opened the account should not have done so.
I could not believe they misinformed me, misled me to believe I was given the credit and after I used it they Maliciously and with no and regard for my interest they closed my account I Called on XXXX Spoke to XXXX and explained I was very unhappy yet I wanted to resolve my account and would like to pay and close.
She informed me that she was sorry and would remove the 4 x {$38.00} late fees that were charged while it took them to figure out and communicate why my account was closed.
She said my balance prior to the credits I would receive is about {$690.00} I Called on XXXX Spoke to XXXX id # XXXX Made a payment of {$520.00} Reference # # XXXX At that time I was told that only one 1x {$38.00} late fee was removed and that there are still Disputing Past Due Fees of. {$130.00} that need to be removed.
I asked to speak to XXXX whom I spoke to and told me that if I plan on resolving my account in full they would REMOVE late fees and I could close my account with them with zero liability and balance.
I called back Called on XX/XX/XXXX Payed {$50.00} Conf # XXXX And they still did not Credit my account properly.
In Addition they began NEGATIVELY reporting my account to the credit bureaus which has caused my score to decline and many adverse negative impacts on my financial abilities Called Capitol One on XXXX XXXX At XXXX XXXX Spoke to XXXX : ID # XXXX Explained the issue She agreed and said she is going to see what the problem is.
She then Transferred me to XXXX who supposedly could rectify and resolve this.
XXXX ID # XXXX After a one hour conversation and review of my claims and facts she put me on hold and the call was dropped.
Call dropped so I called back and they could not connect me to XXXX nor could they look up the notes on my account.
I called a 3rd time and spoke to Qristine Id : XXXX After another 45 min call and explanation she said she is going to have to escalate to higher supervisor And they will call me back.
This company has falsely from the start manipulated me, defrauded me of my credit and has negatively impacted my honest and good faith attempts to reestablish my credit.
My name is XXXX XXXX My account # is XXXX XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell # XXXX Email XXXX I am hoping you can help me , Sincerely XXXX XXXX
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04/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX there was a charge in the amount of {$45.00} made at XXXX XXXX. On XX/XX/XXXX there was another charge made for {$200.00} at a XXXX. I did not authorize these 2 transactions. Matter of fact there was another transaction for uber eats that I also disputed at the same time. The uber eats transaction they approved as a Fraudulent charge but these 2 they claim there are no indications of Fraud. The last transaction I used was XX/XX/XXXX at the XXXX in XXXX. I had a business meeting the next day. I can provide verification for anything needed. I did not realize I had lost my card till a few days later when I received an email that a XXXX XXXX transaction was being declined. At that point I noticed that in total I had 3 transactions that I did not authorize. I clicked on the button on the capital one app that says " Report a Problem '' which to then i tapped on " I don't recognize this purchase ''. Capital one gave me provisional credit on all 3 at first and then on my XX/XX/XXXX statement they debited my account for the 2 transactions mentioned on top. {$45.00} and {$200.00}. I received a letter from XXXX XXXX who is a customer Fraud Protection number XXXX. I called him several times and left 3 voice mail messages asking for a call back so that I can gain better understanding of why my account was being debited. I never got a call back. I proceeded to call capital one general number and that is when XXXX started. I kept getting transferred over, i spoke to several supervisors who promised that they would notate the account and that they would have XXXX XXXX who was investigating my account call me back. That was a complete failure. Again I called and I explained that I am a Bank Manager that there was no way that a Full thorough search was done, because if there was they would have clearly seen that it was not me. Again I kept calling and the representatives kept saying that they do see the notes however they need to clarify some questions they had. I explained that I did not have the card in my possession and that i could have dropped after I checked in to the hotel or possibly left it behind at the front desk either way, i did not authorize those transactions. Its such a shame that I have to take time out and write complaint about a company that is supposed to be a respectable financial institution. The representatives made me feel as though I were a thief and spoke to me as if I was beneath them. Their tone and they way they kept brushing me off with feeding false hope of a return call is DISGUSTING!. I have been with capital one bank for over 10 years. You can verify that with the longest relationship credit card i had since college. I am upset that not only am I being held liable for transactions that I did not authorize but they way I was treated as if i need to beg and plead for my money back. Please listen to all recorded calls and you will see the excuses and the hold times the representatives put me through. XXXX XXXX should be put throuhj training. If you strongly believe that these transactions were not fraud then be a stand up company representative and call me back don't have me call and chase you for something I have rights to.
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04/06/2017 |
Yes |
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Web |
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XXXX last year, I disputed XXXX Capital One accounts that were appearing on my credit report because I did not recognize them, and I had not received statements from Capital One pertaining to those accounts, and it had been a while since I used a card issued by Capital One. After receipt of my dispute, Capital One 's senior customer service forwarded me a copy of the statements, and they confirmed that most of them were sent to my previous address where I had not lived for quite sometime. Upon receipt of the statements, I was able to confirm that the accounts in fact were mine. Between not using the accounts for a time and seeing several other previously sold/transferred Capital One accounts appearing on my credit report, I was confused as to which was which. During the time I was disputing these accounts, Capital One continued to report the accounts as delinquent to the XXXX CRAs, including a 90 day late which subsequently caused my credit score to tumble by approximately XXXX points. During this time, I will also point out I was not receiving statements and had no way to access my accounts. I was under the distinct impression that under federal regulations, including the FCRA and FDCPA, issuers are not to report a disputed account as delinquent during the dispute process, can not charge late fees or interest on the disputed amount ( but can retroactively apply interest should a determination be made that is not in the cardholder 's favor ), and once the investigation is completed, a cardholder must be informed of that decision and given a reasonable opportunity to make payment if the ensuing determination is not in his/her favor.
In a response sent to me from Capital One, sufficient proof was provided to validate the accounts. However, the letter I received indicated a notation would be sent to each credit bureau indicating I was continuing to dispute the accounts, which I was not. However, before I could notify Capital One of this, information was sent to the CRAs stating the dispute was nevertheless solved. Once I received verification that these accounts were legitimately mine, I fulfilled my contractual obligations and paid XXXX account off in full, and paid 85 % of the balance on the other account. After paying both accounts, I searched for and successfully located the corresponding cards to these accounts. When I located them, they had not yet been activated. As such, I called the XXXX number on the reverse of each card and attempted to activate the accounts. Upon speaking with a representative in an attempt to activate my cards, I was told they could not be activated because there is a fraud restriction on both accounts, and that restriction has been in effect for well over a year. Despite the fact that I have not been able to access the card or take advantage of the product extended to me, I have nevertheless been assessed a yearly " membership fee. '' Furthermore, I would have assumed that the restriction would have been removed once the accounts were confirmed to be legitimate. Lastly, I would like to point out that I made an overpayment on XXXX of my accounts to provide a cushion in the event I did not satisfy my balance in its entirety.
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09/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/2020 I mailed a notice of acceptance and a negotiable instrument to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. by way of Notary Public in reference to an account ending in XXXX. That correspondence included a negotiable instrument along with instructions to settle the accounting of the aforementioned accounting and to send evidence of this to the address provided in the correspondence. This correspondence is sent by way of certified tracking and was received by the aforementioned parties but not replied to as outlined. The respondent ( s ) were given thirty ( 30 ) days to respond to the correspondence and/or settle the accounting. After the thirty days had passed and no response was received a Notice of Non-Response and Opportunity to Cure was sent along with a second negotiable instrument toward the complete satisfaction of the debt outlined in the respondent 's original presentment. This correspondence was sent on XX/XX/XXXX by way of Notary Public. Respondents were given ten ( 10 ) days to respond as to why they failed to do as required. After confirmed receipt of both correspondences with no response the Notary Public created a Certificate of Non-Response outlining the dishonor of XXXX XXXX, and/or XXXX XXXX, and XXXX XXXX XXXX XXXX. A Notice of XXXX was then sent by the Notary Public and still no response by any of the respondents. A final Confirmation letter was sent ten ( 10 ) days after receipt of the Notice of Default stating that the XXXX 's interest in the debtor is terminated. The law states that a business letter sent in good faith must be responded to and in a reasonable time or the recipient of that letter is obligated to accept the terms outlined. The respondent ( s ) in this matter are silent in regards to any of the attached correspondences. If the respondents were unable to respond they could have outlined that in a correspondence. The respondents chose not to do so. If a negotiable instrument is presented toward the complete satisfaction of a debt it must be accepted. If it is refused a notice of dishonor must be provided to the sender or the sender 's bank in accordance with the law. There is no evidence of a notice of dishonor being sent in regards to the first or second negotiable instrument ( s ) sent towards the satisfaction of the debt obligation. If a good faith attempt is made to completely satisfy a debt with a negotiable instrument and this act is refused without a notice of dishonor the debt is discharged by law. The balance on the aforementioned account is zero and the respondents are in violation of the Fair Debt Collection Practices Act. Furthermore, their continued dishonor implicates any who are misled into believing that the agreement established under full commercial liability and witnessed by Notary Public and a high ranking government official who is named in the attached correspondences as well as the United States Postal Service is not binding. This complaint serves to protect all those who may be misled by the respondent. The public registry outlines the complete satisfaction of the debt yet the respondent continues to attempt to collect on it. They are violating the law and must be stopped.
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02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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|
Web |
Servicemember |
I applied for a Capital One Platinum credit card online ( account ending XXXX XXXX last XXXX XXXX XXXX and was instantly approved. The card was mailed out to me within a few days and I activated the card when I received it. I tried to make purchases with the card several times while out in public and at ATM machines and the transactions were declined every single time. I never had even one chance to use this card.
It was declined for the final time ( see XXXX attachment ) when I really needed to send some money for my professional boxer in XXXX who lives in poverty and Capital One is responsible for ruining a lot ... A LOT. They are so awful for doing this and there is no justifiable reason other than they flag people for sending money to XXXX? This is discriminatory and XXXX in addition to their predatory-lender style behavior.
Capital One flagged my account for fraud and so I called customer service. They said I had to speak with their fraud division and asked me to send in more IDs although they already had my passport ID on file along with my social security card ( front and back ). I explained that I could no longer provide any more IDs so then they asked for proof of billing and used this excuse although they already sent a credit card to my address so why would you need some proof of address when you already sent the card to my address?
I got really upset and asked them to close the account because I thought there is obviously something wrong with these people in Capital One. However, I received a notification that Capital One did not one, but 2 credit report inquiries and reduced my credit score by 2 points last month ( XXXX ) and it will go down another 2 points in XX/XX/XXXX because they did two inquiries on me and then want to issue credit cards to people and then flag them for fraud for no reason and then ask for more IDs and proof of address when they already have this information on file.
Because of the credit score reduction and complaint for what they did to me, Capital One asked me to go out and buy some more IDs from a government agency because a US passport issued by the Department of State and a social security card from the Social Security Administration along with a clear proof of address from XXXX is not good enough for Capital One. It is also illegal for them to demand that a customer to go out and buy more IDs when they already have my US-goverment-issued passport on file.
Capital One told me if I want my account re-opened, which they act like they are doing a special favor for me to do such a thing, I have to comply with their ridiculous, illegal, predatory-lending style demands and go spend my money to go buy another ID which they deem acceptable and produce more proofs of billing out of thin air to satisfy their neverending chain of requirements for a card approval that was already instantly approved back on XX/XX/XXXX.
These people are clearly psychotic, doing predatory lending, they messed me up totally, damaged my credit score twice in 2 months with a 4-point reduction which takes forever to repair, and they should owe me restitution for what they did. This is my complaint for Capital One Case Number XXXX.
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06/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
RE : Capital One on XX/XX/XXXX for {$10000.00} ; XXXX XXXX XXXX I have tried to resolve this credit transaction with the appropriate credit card company. My attempts to get the matter directed to the appropriate Customer Service or Legal Affairs Department have been ignored. I have supplied all appropriate documentation showing that XXXX XXXX was a Fraudulent XXXX Marketing Scam. To date the credit card company has not communicated with me other than a canned response letter referring me back to the collection agency. Nor will they send my request to a higher department dealing with Fraudulent Merchant transactions.
The information below is a full and complete summary of the entire XXXX XXXX Scam of which the above complaint deals with only one of the six individual transactions which comprise the entire sum of XXXX XXXX purchases.
FTC CASE : XXXX I was introduced to XXXX XXXX and their XXXX marketing and coaching program, when I attended a free introductory seminar at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. As a result of attending their introductory seminar, the following training courses and lifetime coaching was purchased as detailed below.
The Advanced Training Course charged at the XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX.
Capital One on XX/XX/XXXX for {$10000.00}.
During the ensuing months of XX/XX/XXXX through XX/XX/XXXX, the training diminished significantly and their business coaching program was non-existent. Rather than a training program on how to establish, operate, or improve my business model commensurate of a business coaching program ; it instead morphed into a sales pitch for purchasing additional XXXX XXXX products, and services. Whenever they were requested to provide a syllabus or an outline of the next lesson plan, they were unable to give me one.
This made me question their viability and business ethics. Upon researching my concerns regarding XXXX XXXX, I discovered the credit card companies considered XXXX XXXX, XXXX to be a high-risk merchant and conversely withheld approximately 30 % of my payments in reserve in case of fraud. It was then I discovered the FTC filed legal action against XXXX XXXX, XXXX and communication between XXXX XXXX, XXXX became non-existent. Upon reading FTC legal documents which state that the parties involved were required to turn over the names of all customers so the FTC or its agents could notify them. This included all customers using merchant service accounts. I never received notification of any type.
In attempting to recover funds paid to XXXX XXXX, XXXX for lifetime coaching and training, I contacted all the above financial institutions via registered mail and have supplied them with information regarding the fraud, FTC legal actions, and court documents, but to date there are no reversal or chargebacks of any fraudulent charges. In fact, these financial institutions do not want to communicate with me as a victim of fraud. Some have referred my accounts to collection agencies which can not clear my credit file nor reverse these charges as they claim only the primary financial institutions can reverse charges or correct credit file information detailing fraud.
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10/06/2016 |
Yes |
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- Closing/Cancelling account
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Web |
|
Several years ago I had a credit card with Capitol One. For years I would pay my payments until one day I decided that I wanted to pay off my balance and close the account. About 5 years ago I called Capitol One and paid them in full. I then asked to close the account and thought that it was closed. 30 days after paying my balance in full I come to find out that my card was still open and there was a {$30.00} balance on my card. I asked them why there was a balance on my card and why they kept charging me and I was told that there was recurring payments on the card. I informed them that there should be no recurring charges since my card was closed. I even offered to pay the additional charge to bring my balance down to {$0.00} just so I can close my card and prevent any more charges from being placed. They told me that they could n't close the card because of the recurring charges ....
Since I had no luck with a normal Capitol One representative, I then spoke to a supervisor and wanted to know why they were keeping the card open. Essentially I was told the same thing by the supervisor that the representative told me. I argued that there should be no recurring charges since the card was closed and I argued that regardless of anything going on with any creditors I should be allowed to close down my own card. The supervisor refused.I again disputed the charge and demanded that my card be shut down and that was the last I spoke with anyone at Capitol One.
Ever since that day I have refused to use credit because of the terrible experience I had with Capitol One. Unfortunately, I no longer have that luxury. 5 years later I check my credit report so I can buy a home and I find out that there is a Capitol One charge off with an {$890.00} balance! Furthermore, it has been sold to a collection agency and so now it 's reporting on my credit report twice!
I 'm no expert in laws and practices but I 'm sure there is a law somewhere that says a credit card company ca n't refuse to shut down a credit card and and allow recurring charges to pile up simply because they feel like it. How can a balance on a card that was paid off and supposed to be closed get to {$890.00} dollars! That is both malicious and fraudulent!
Here I am now 5 years later and I find out I ca n't qualify for a home unless I pay this account off. On top of that, even if I do pay it off my credit score will still be damaged because that wo n't remove the erroneous charge off or collection from my credit report therefore I am getting double screwed here! Please accept my apologies on the language. I need your help as I know I wo n't get anywhere with Capitol One since I did n't 5 years ago.
I am not a bad person and I pay my bills on time. I do n't have any collections and I do n't have any outstanding debts owed. I am simply trying to buy a home and I 'm being told no because Capitol One refused to close an account off and allow charges and I 'm assuming fees to rack up on a card I vigorously attempted to close down. If I have to, I will take this matter to an attorney to file a lawsuit. I will not be held hostage by a creditor who wants to swindle people out of their hard earned money.
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05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In response to Complaint # : XXXX My name is XXXX XXXX XXXX an agent for principal XXXX XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against XXXX XXXX XXXX XXXX for violating a cease-and-desist notice they received on XX/XX/2022. These abusive, deceptive, and unfair debt collection practices have brought severe stress and anxiety.
XXXX XXXX XXXX XXXXXXXX stated, Our office, XXXX XXXX XXXX XXXX, has been retained by Capital One, N.XXXX. to recover the unpaid balance of your credit account ending in XXXX.
I would like to know whats the status of this account and if a 1099-C was filed for this account.
XXXX XXXX XXXX, XXXX also stated, Please note that we do not own your debt and we are not your creditor. Rather, we are a law firm representing the interests of our client, Capital One, N.A., in this matter. I am aware that XXXX XXXX XXXX, XXXX is an unauthorized third party to this matter. I never contracted with XXXX XXXX XXXX, XXXX and they have no lawful authority to be in possession of my identifying information. I also want to make clear that XXXX XXXX XXXX, XXXX have no actual knowledge of the matter at hand. They are strictly acting off hearsay.
We are working with our client to gather documentation responsive to your request and will forward to you in the mail upon receipt. This is proof that XXXX XXXX XXXX XXXX is moving strictly off hearsay. XXXX XXXX XXXX, XXXX was not in possession of any substantiating evidence to lay claim to this alleged debt prior to contacting me about it. Im sure the documentation being gathered by XXXX XXXX XXXX, XXXX will include, at the bare minimum, the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX in order to lay any lawful claim to this alleged debt.
XXXX XXXX XXXX, XXXX stated, We have reviewed our file and have not found any evidence of fraud, deception, or legal violations, therefore we dispute your allegations against us. This misunderstanding can be easily clarified by providing the documentary evidence requested above. If your client can not or is unwilling to produce substantiating documentary evidence showing to who the alleged debt is owed and from whom the alleged debt is owed, they have no lawful claim of this alleged debt. Statements/proof of address are not proof. If your client, Capital One, N.A. chooses not to produce this documentary evidence, I will thereafter consider the matter between us to have been legally and financially settled. If the requested information is not provided and XXXX XXXX XXXX, XXXX continues its collection efforts, XXXX XXXX XXXX, XXXX shall be held criminally liable for collection of extensions of credit by extortionate means.
I would also like to note if there is any attempt to furnish any negative or adverse information to any credit reporting agencies, XXXX XXXX XXXX XXXX shall be held criminally liable for aggravated identity theft.
I would also like the name and address of your bonding agent in the case I need to file a suit in Federal Court in case any further unlawful extortionate means are taken by XXXX XXXX XXXX XXXX.
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11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I consumer XXXX XXXX extended my credit to CAPITAL ONE and my federally protected consumer rights have been violated under the Truth in Lending Act - 15 U.S.C. 1602 and the Fair Debt Collection Practices Act. Pursuant to 15 U.S.C. 1602 ( g ) the definition of a " creditor '' is a person which is ( a natural person or its organization ) who regularly extends consumer credit or a person whom debt is arising from. CAPITAL ONE can not be the original creditor because the applicant starts and creates the credit. A request for the original creditor was sent and never answered along with a Affidavit of Truth in which if not rebutted line by line then it stands as truth in commerce. According to 15 U.S.C. 1602 ( i ) adjective consumer in reference to any consumer credit transaction in which the only party it can be offered and extended to is a natural person. CAPITAL ONE wants me to pay a debt that was already paid for through my credit card pursuant to 15 U.S.C. 1602 ( l ), credit card is any card ( social security card ) for personal use and household purposes for money, and services on credit. CAPITAL ONE was extended credit through my social security card, they went to the federal reserve bank and was paid through a discount of a finance charge. I do not owe this alleged debt. Anything signature under the social security number associated with the same name as me, is already paid for through the security and obligation of the United States pursuant to 18 U.S.C. 8 CAPITAL ONE is governed by the Fair Debt Collection Practices Act. I am a consumer and I am aware that CAPITAL ONE has violated my consumer rights. CAPITAL ONE has continued to contact me regarding a debt not owed. CAPITAL ONE is a debt collector and has violated my individual privacy by contacting me by mail involving unknown person and damaging my character, by having symbols on the mail that shows they're in the debt collection business in violation of 15 U.S.C. 1692b ( 5 ). CAPITAL ONE has compiled and furnish deceptive forms that are false and misleading in attempt to collect a debt not owed. This is a direct violation of 15 U.S.C. 1692j ( a ). CAPITAL ONE has sent statements that are credited coupons in a positive balance giving the wrong characterization of an amount of debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ). Any debt that is disputed by the consumer, CAPITAL ONE must not apply any payment to the debt but must give it according to the consumer 's instructions, pursuant to 15 U.S.C. 1692h, I am demanding a return of all prior payments made. Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer and I am not obligated to pay any debt as a natural person.
CAPITAL ONE has violated and reported inaccurate and non public private information to consumer reporting agencies without my permission. Under Security and Obligation CAPITAL ONE has violated me under the Gramm Leach Bliley Act 15 U.S.C. 6802. I did not get written disclosure before CAPITAL ONE reported such information to OPT OUT of the reporting before it took place. CAPITAL ONE DID NOT HAVE MY WRITTEN CONSENT TO REPORT MY INFORMATION WITHOUT MY PERMISSION. CAPITAL ONE is criminally and civilly liable under these provisions.
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07/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
I had a {$25.00} late fee assessed due to the Auto-Pay function not being enabled on one credit card account. I had previously set up Auto-Pay for this card at the same time as my other two accounts, another credit card and an auto loan, but their online interface didn't save it for this card. The online account interface has all 3 accounts, making it easy to set up each in order. I'm sure that I set it up. I know they probably include wording that it's my responsibility to ensure it's enabled and make payments, but that isn't really fair when a normal person would expect that it works after setting it up. With all the notification and marketing emails this company sends, it's hard to ensure that I get an email to confirm that the automatic payment will happen. I obviously didn't ensure that I was enrolled.
When I called the customer service on XX/XX/XXXX, they claimed it wasn't possible to credit back the fee. The option was " grayed out ''. Even the escalation agent was helpless to do any form of credit to the account. The fee was from XX/XX/XXXX. Their customer service has said before that they can only do recent late changes, but now it seems that it needs to be less than 30 days. I understand that it is allegedly a one-time " courtesy credit '', but I didn't even know the payment was missed until 3 days later in the form of a email.
I had called a few times last year, due to missing some payments during a hard time ( COVID related employment and health issues ) and they were only able to credit me ONE fee during the last call, and this credit did not include the interest that they charged. In terms of how reasonable my request is, I only requested the fee be refunded. Other companies like XXXX XXXX and XXXX offer to refund both the fee AND the interest, essentially erasing the lateness. Capital One has only ever returned the fee, leaving the interest and the penalty APR at a whopping 19 % + interest.
Additionally last year due to those missed payments, they reduced the credit on my other card, even though I used it frequently up to 25 % of that card 's total amount. They know people rarely go above 15-20 %, and it really hurt my credit score.
As a side note, I would like to mention that I have had multiple automotive loans through Capital One. The APR rate that I ultimately got from them was 2-4 % MORE than the rate I was quoted during " pre-qualification '', despite the all the terms, including the amount of the car, my income, my credit score, and down payment being exactly identical to the initial application. This was extremely deceptive. I would have definitely shopped around more before if I knew the rate was going to be that high, but I needed the cars quickly with no time to shop further. In the future, I will probably seek other financial companies.
These are predatory fees and lending practices.
I have paid all of my bills, even past fees, without complaint. I set up Auto-Pay for the account, but for whatever reason it didn't store in their system. I'm just asking for a late fee back, which is not too much to ask, given all of the fees that they have collected from me over my multiple car loans and credit cards with them.
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12/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
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Web |
|
I have been a part of the Capital One family and a loyal customer for years with a pristine payment history and current credit score of XXXX as of XX/XX/2021.
I have been working with both the disputes department as well as the fraud department to resolve this issue. I was told to write this letter to the fraud department for tier XXXX escalation as I have not been able to escalate further over the phone.
While traveling abroad with my wife on our honeymoon in XXXX, a fraudulent charge was billed to my credit card from the vendor XXXX XXXX on XXXX in the amount of {$4700.00} ( XXXX XXXX ). Immediately upon proactively checking my account online and seeing the fraudulent transaction on https : //myaccounts.capitalone.com/accountSummary, I did the following : 1. Contacted the Capital One Fraud Department by telephone to provide notification of the fraud 2. Canceled my credit card 3. Filed a police report with XXXX Police Department once returning to XXXX from the XXXX of XXXX.
I have never been to or heard of a store by the name of XXXX XXXX I did not make a purchase for {$4700.00} at any time overseas nor did I make any purchase that even comes close to this large amount.
I have spent hours investigating the fraudulent charge based on the receipt Capital One obtained from XXXXXXXX XXXX and found the following information 1. The vendor XXXX XXXX, a supposed grocery store, does not exist. There is no record of this store anywhere online. The address on the receipt is invalid.
2. The phone number on the receipt is not active. I can not contact the fraudulent vendor as they do not exist.
3. The signature on the receipt is fraudulent ( depicted below ) i.e. is not my signature that I have applied to thousands of transactions while using my Capital One card. This should be easily confirmed by Capital One.
4. No itemized receipt for this transaction has been produced by XXXX XXXX ( again they dont exist ), Capital One, or XXXX Bank .
5. The amount charged ( XXXX XXXX ) is a round number also indicating suspicious activity.
6. The amount charged to a supposed grocery store ( which does not exist ) is absurdly large not indicative of a grocery purchase.
7. This purchase is in no way in line with my spending patterns nor the rest of the purchases I made while abroad. I am extremely disappointed that Capital One allowed such a huge purchase from overseas to be charged without any flags or warnings provided to the card holder.
There is a preponderance of evidence, most damning being the fraudulent signature and the vendor that doesnt exist, indicating that I have been defrauded. I fully expect the Capital One Fraud Department to take this matter seriously and rectify the situation.
For further clarification : XXXX. XXXX XXXX does not exist 2. I did not make a purchase from XXXX XXXX 3. I did not provide signature authority for the charge of {$4700.00} 4. I did not receive goods or services from XXXX XXXX I have repeatedly tried to resolve this issue with capital one and they are attempting to hold me liable for the charge. I have 2 police reports and a receipt with a fraudulent signature. My XXXX, Arizona police report case number is : XXXX.
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04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITOL ONE BANK USA XXXX XXXX XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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07/08/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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About XXXX years ago, i received a credit card of {$300.00} issued by HSBC, with 0 % financing for a year. I purchased insurance on the account, as I was afraid of being layed off ( I am an older worker ). I was told at the time, by phone, by the insurance company and HSBC, that if I became unemployed, the insurance would pay off my account. A month or two later, I was layed off due to my illness, and initiated the program, providing the information needed to both companies. When I returned to work XXXX months later, the program ended, and when I checked my balance, I still owed about {$300.00}. When I inquired with the insurance, they claimed that they payed out around {$30.00} a month for nine months, or around {$270.00}. When i inquired about the account with HSBC, they said they dropped the interest rate when they froze the account. Now if the insurance company was paying at least the minimum on the account, why did the HSBC change the interest rate without informing me? This product was sold to me with the intention of preserving my credit by paying on this account, and was misrepresented by both parties involved. To make this story worse, HSBC was bought by Capitol One. I discovered this after I got a call from Capitol One saying I need to send a payment on my account. I told them, I do n't have a Capitol One account, wherein they told me that my account was purchased by HSBC. I told them of the problems with HSBC, and they told me, that they had no idea where that money went, but that Capitol One purchased the account. I told them that I have already paid via my insurance on that account, and the amount owed should have been less than a XXXX bucks, not the {$300.00} they claim as the balance. They claimed to know nothing about my situation, so I tell them I am not paying them money I do not owe. Flash forward to today : its been years since that conversation, Capitol One has accessed late fees on a credit card account I do not own. This was then turned over to an odious collection agency called XXXX XXXX, after upping the ante from {$300.00} to {$500.00}. I have told these people for years I am not paying them, and will not. I may one day settle this, but its not going to be for {$300.00} or {$500.00}, it will be for the amount owed on the original account, minus the amount paid by the insurance. In the years between, I have purchased cars, and other items with credit, paying them off in a timely manner. Recently, I have left work again, due to my health problems, and have related this to XXXX XXXX, who still wants to collect for Capitol One. They wanted me to put an account of this in writing to them, but I have instead opted to put an account of this in writing to you, in the hopes you will forward the complaint to both Capitol One and XXXX XXXX. If my failing health and employment issues do not sway them to write this off, then the next window to conclude this chapter is XXXX 2016, when I file and receive my meager income tax return, wherein I will offer again, to pay the original amount due, minus the money paid by my insurance to whoever is collecting it. Or nothing if they like. I currently do own a credit card ; HSBC was my last.
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09/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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In XXXX of XXXX, I made a payment on the CapitalOne system that did not go through. As a result, a 30 day late charge went through to my credit report.
At this time, this card was not in use, and the only " charge '' being made to the card was a three dollar fee, which we regularly paid. As this card was not in use at the time ( outside of the {$3.00} fee ), I went through the regular payment process and believed the payment to be correctly applied to pay this {$3.00} fee.
In the next month, I found that my fee was now {$6.00}, and further found that my account was reported as 'late ' upon checking my credit. I contacted CapitalOne immediately to pay the back fee amount and to have the alleged missed payment addressed, but they claimed they could not find the instance where I attempted to make the payment.
I explained that I went through all the regular processes to MAKE this alleged late payment, and that -- for reasons unknown to me -- it did not apply in their systems. I asked them -- as a customer since XXXX, making all of my payments on time -- to remove my alleged late payment as a result of their systems error. I regularly made payments when using the card for charges and regularly made my monthly fee payments when *not* using the card, and had no reason to lapse in my responsibility as a credit consumer -- particularly since this was only a {$3.00} fee charge. I had every reason to believe the payment had been made, and no reason to lapse in my regular payments for my oldest credit instrument.
Upon investigation by CapitalOne, I was told that no record of the payment could be found, and that they were required by law to report this to the credit bureaus. My insistence that I had made the fee payment and that -- if a system error was responsible, there would, of course BE no record of the payment -- fell on deaf ears.
Trying again to report this as a systems mistake after another reliable 18 months of on-time payments in XXXX was also ignored -- and I was told, once again, that they were required by law to report my late payment to the credit bureaus.
I attempted again to dispute this alleged late payment with the credit reporting bureaus themselves, but the dispute was listed as resolved in CapitalOne 's favor with no additional information or explanation supplied to me.
I now have a decade of credit history with a nearly 100 % on-time payment record save for two computer systems errors -- one of them with Capital One in XXXX of XXXX. I am simply trying to clear the record and have this slight inaccuracy removed from my credit report, and have tried every avenue with CapitalOne to have them take responsibility for their systems error. Capital One is the first company to extend credit to me, and for that I am and continue to be an appreciative CapitalOne customer -- but as a responsible consumer with now over {$70000.00} in available credit, a consumer who always pays his bills in good faith since I signed up with CapitalOne in XXXX, it seems like a small thing to ask to have this credit company end this squabble over a regularly PAID three-dollar fee that, again, for reasons unknown to me -- was never applied to their systems.
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05/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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Web |
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Issues needing to be addressed 3 in tota l 1. ) Deposited check {$2400.00} XXXX XXXX ,2016 cl eared XXXX XXXX ,2016 2 . ) Deposit {$240.00} XXXX XXXX ,2016 cle ared XXXX XXXX , 2016 3 . ) Ordere d checks {$30.00} XXXX XXXX ,2016 sorr y to bother and inconvenance you with my persanal issues this is the first time ever filing a complaint about a bank espcialy XXXX different banks at one time but ive been fighting this issue for way to long by myself with no sign of an end and the longer it goes on the more i feel like they are going to keep my money i live and breath air just like everyone that reads this message and to have this done to me hurts my kids and myself way of life I contacted each bank and addressed the issue in detail with the bank involved in each matter accordingly with respect to custemer service and there accting supervisor of the day ( BANKS INVOLVED ) 1. ) XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX XXXX i recived a check from XXXX XXXX XXXX in care of XXXX XXXX class action lawsuite for over charging on overdraft fees to there account holders business and personal my relation was personal. needless to say we won meaning it was true thay were infact doing some things that were not at the best intrest of us i wanted to open a small business account for a while and have one with XXXX but there not a true bank like XXXX XXXX or XXXX XXXX XXXX nor like XXXX ect. i recived numerious mailings and emails for Capital One XXXX XXXX so i used my check from the lawsuite to make my opening/first Deposit pl us check for services rendere d .i waite d the time the bank required to access available funds then ordered card and checkbook waited for card & checkbook recived checks then went to purchase something with card and account was locked/closed after countless hours days weeks months to get ahold of the correct person or whomever that could tell me who what where when why i finally talked to a person can they send me a check for the remaining ballance she said no they reversed the deposits and i have to get the oreginator to rewrite me another check then informed me only one could be reversed and that bank has to file a report wait for report to be filed then wait for reissuence of check she said go to XXXX XXXX so i went to XXXX XXXX they couldent find it then XXXX XXXX said go to XXXX XXXX XXXX went to XXXX XXXX XXXX they couldent find it called back to capital one and said each of the other banks said c capital one is supos ed to write a check for remander ballance then capi tal one tol d me give the other banks for them to file a report and whats realy mean and rude and childish i can still sign in to my ca pital one acc ount look at my ballance update my profile info access account info card still shows locked if i try to check ballance at atm with a positeve ballance and they still send my pre qulifed credit cards for myself and my business as to laugh in my face well i think im owed my money plus intrest that is being gained for being in there possion for so long without me touching it
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10/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
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Web |
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Yesterday I went to change my cellphone service. At the end of the process I went to pay and it said the address was wrong, I tried again, still said it was wrong. That was the correct address for my card, so I went back and put " n/a '' in the apartment field just in case that 's what I had put- and then it said that there were insufficient funds in my bank account.
The order had not gone through, I went to my bank account, and I saw that the charges had been sent through and were pending on my bank account- putting a hold on that money.
I called the cell company to ask for XXXX charge to be dropped and if my order could be pushed through on the other charge. They said no. I asked if they could reverse the charges, because I could n't afford the hold on both- they said no- to call my bank and have them cancel it.
First woman I talked to with my bank said that they could n't do it without a phone company rep approving cancelling the charges, and that I might be held accountable for any overage charges that resulted. She said if they did that, I would have instant access to my money- which I needed because I had no cash on hand, and my stove is broke, so that 's what would feed me until payday.
Called the phone company again and asked that rep if he could talk to my bank and approve the charges being dropped. The plan was drop both charges, go into the store and do it in person, and then I 'd have about XXXX bucks until payday.
We call the bank, and we explained the situation ... that XXXX charges were pending on my account, I could n't afford that, the order did not go through, I was n't going to get anything for the money, and to please just delete the pending charges.
The bank wanted confirmation numbers from the phone company. The phone company had said nothing had been generated on their side because the sale did not go through. I said I had some sort of confirmation numbers on my transaction report for the XXXX charges of XXXX, and the bank rep said that it could n't come from me.
I told them all I had was XXXX and change in my account with the hold until Friday, that I had no food and would be forced to withdraw the XXXX in order to eat. ( which left me with XXXX cents in my account ). I said that this was n't my fault- the phone company 's site glitched and now, even with the phone company saying to release my funds, I 'm going to end up going negative and getting fees on my account because of it.
This bank person said that I " probably '' would n't be held accountable for the fees, but refused to guarentee it. He also said that the hold would last a few days, where either it will time out in the system, or the money will withdraw and I would have to go through the process of fighting it.
The phone company guy tried again to explain that I was in need of the new service, and in need of my money- that he was giving permission to cancel the transaction according to what the woman said in the morning, and the bank person refused. I spoke on the phone from someone here asking for advice, they could n't find rules that fit my situation, so they passed it on to the FAQ people, and mentioned the possibility of a complaint.
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12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
My non public personal information was disclosed to a nonaffiliated third party ( the credit bureau ) without a notice that complies with section 6803 of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
15 U.S. Code 6801 - Protection of nonpublic personal information ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), XXXX XXXX XXXX 124 Stat. 2095. ) -
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
|
10/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I noticed an account on my credit reports from a company called CAPITAL ONE that I never had any business relationship with. CAPITAL ONE was attempting to collect on a an alleged debt in the amount of {$1100.00}.
I sent CAPITAL ONE a letter via certified mail XX/XX/2023 along with a copy of my identity theft report outlining that the account was fraudulent and a result of identity theft.
I also disputed this fraudulent CAPITAL ONE account with the credit bureaus. CAPITAL ONE however continued reporting this fraudulent CAPITAL ONE account with the credit bureaus. I saw the fraudulent CAPITAL ONE account XXXX, XXXX, XXXX and XX/XX/2023 on my credit reports.
I sent CAPITAL ONE a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between CAPITAL ONE and myself and the original application for the account. CAPITAL ONE violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) CAPITAL ONE was required to cease collection efforts until the alleged debt was validated but failed to do so. CAPITAL ONE continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I then sent CAPITAL ONE a FAILURE TO RESPOND letter via mail September 5, 2023. CAPITAL ONE violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. CAPITAL ONE violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. CAPITAL ONE violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''.
Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) CAPITAL ONE was required to cease collection efforts until the alleged debt was validated but failed to do so. CAPITAL ONE continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, CAPITAL ONE FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via mail XX/XX/2023 and did not receive the documents. CAPITAL ONE violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent CAPITAL ONE account XX/XX/2023 on my credit reports and it is still there as of this filing.
|
08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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CAPITAL ONE AND XXXX XXXX XXXX HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT.
THERE ARE 2 DATES OF ACCOUNT CLOSING. ONE AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. WHRN DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... IM TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY IVE DONE 3 OR MORE LOOK AT THEM ... IM TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM.
WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY IM RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. IM STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... .THEY REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... .I HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF SUPERVISOR FROM EACH BUREAU TELLING ME THIS.
XXXX IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. WASNT UPDATED. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT DOCUMENTATIOM THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED ANVEMAIL FROM XXXX " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH 1 BUREAU ... .CONFIRMINGCACCOUNT PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND THR CREDITOR REPORTED IT OPEN STILL ... .I ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELY REMOVE.
THEY REPORT IN ERROR AND ARE ALLOWED TO CHANGE DATES ... .REPORT KNOWINGLY FALSE INFO WITH NO REAL CONSEQUENCES... .BUT THE LIVES THEY DAMAGE ... SOMETIMES DESTROY ... .BUT DEFINETLY HURT CAN NOT BE FIXED OT CORRECTED BY THE BLATANT DISREGARD FOR RULES AND REGULATIONS SET FORTH IN THE F C RA ... .BUT THEY GO ON BEING IN THE BUSINESS OF BREAKING RULES... FOLLOWING THEM WHEN ITS THE CONSUMER ON THE END OF STICK ... .WHEN ITS WHO PUTS BREAD AND BUTTER ON THE TABLE FOR THEM ... .NOTHING APPLIES OR THEY ARENT HELD TO THOSE STANDARDS RULES AND LAWS SET FORTH BY F C R A ... .BECAUSE WE DONT MATTET... AND WE NEVER HAVE ... .FOLLOWING THE RULED IS ONLY ENFORCED AT THE CONSUMER LEVEL BY 2. 1. CREDITORS WHO ARENT HELD TO STANDARD BY BUREAUS ... .AND BUREAUS WHO GET PAID BY THE CREDITORS THEY REFUSE TO APPLY THE RULES TO ... XXXXWHO GETS THE SHAFT... .CONSUMERS... .NO ONE POLICIES THEM ... .LOL. ONE LETS THE OTHER DO AS IT PLEASE BECAUSE THEY PAY THEM. CONSUMERS ... WE ARE JUST NUMBERS TRYING TO TAKE MONEY OUT OF THE BUREAUS POCKETS. THATS EHAT FIXING ERRORS DOES ... BECAUSE IF ITS CORRECTED ... ITS NO LONGER PAID FOR TO BE REPORTED
|
07/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
At approximately XXXX XXXX on Tuesday, XX/XX/2021, I checked my XXXX email. I noticed an email from XXXX XXXX ( XXXX ) titled XXXX Order Confirmation. The email stated that it was an order confirmation for a yearly subscription that had been placed on Monday, XX/XX/XXXX. I called the phone number listed. I was told that they would refund the subscription amount to me. I was sent a link and asked to download a program called XXXX. The subscription amount was refunded. As a security precaution, I was instructed to state how much had been deposited into my account. Instead of {$250.00}, there was {$5200.00}. I was told that I must return the {$5000.00} that had accidentally been deposited into my account. I purchased ten {$500.00} gift cards from a local home improvement store with my Capital One card at XXXX XXXX. I read the card numbers and the accompanying PINs to the person over the phone at approximately XXXX XXXX.
By XXXX XXXX I realized I was the victim of a scam and went to my bank. I closed my checking and savings accounts and opened new savings and checking accounts. While waiting for the paperwork to be completed at the bank, I called Capital One to report the scam. I was transferred to the fraud department and told the woman my story. She closed my credit card account and issued me a new card and number. We discussed any issues I might have with the old number, automatic bill pay, recent purchases, etc. I said I would update all of my automatic payments myself. She assured me that she was denying the {$5000.00} charge and that no new charges from my old card would be honored. In fact, she said I was so smart to use my credit card for the purchase. It had been less than 24 hours, the post was still pending, and that I had caught it in time. After I hung up, the bank employees told me the same thing about using a credit card. The bank manager told me that I should consider filing a police report. She said it was the only way to catch these people, but understood why some people didnt report it.
I checked my bank accounts and my credit card account often over the next few days. I noted the {$5000.00} charge had been denied.I wanted to put this incident behind me, so I did not file a police report at this time. I did not consider, nor was I instructed to contact the store where I purchased the gift cards.
On Friday, XX/XX/XXXX, I logged into Capital One to pay my bill. I saw that the {$5000.00} charge had been resubmitted XX/XX/XXXX, and was payed. I called Capital One immediately. Their representative XXXX told me that an investigation had been conducted and it was determined that no fraud had taken place as I was the one who bought the gift cards. I received no communication about their investigation, nor their conclusion. XXXX told me that I needed to cancel the gift cards with the home improvement store where they were purchased, and file a police report. I was told that I have 60 days from the posting date to dispute the charge.
I am disputing the charge by Capital One for {$5000.00} for a purchase that I made under duress and fraudulent circumstances and successfully cancelled four days prior to resubmission and payment.
|
08/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XX/XX/XXXX, there was a fraudulent charge on a dormant credit card under my wife 's maiden name ( XXXX XXXX ) that had been dormant since XXXX when we were married. I discovered this charge in XX/XX/XXXX when I received a letter from a debt collector. I called on my wife 's behalf and disputed the charge. It was a {$35.00} charge that had accrued {$130.00} total in charge + late payments. I spoke with capital one on the phone for a few hours, and they investigated it as a fraudulent charge. They awarded in our favor and in XX/XX/XXXX I received a letter stating that they awarded in our favor. In XX/XX/XXXX I received a letter that stated that the account had been closed by consumer. I had received phone confirmation that everything would be taken care of, including the late payments reported. On XX/XX/XXXX, I began speaking with a mortgage broker in order to purchase our first house. He ran our credit, and discovered that mine was a XXXX, and my wife 's was a XXXX. There was a reporting from Capital One that we had late payments of over 120 days. He stated that if I could get a letter from Capital One stating that there were " no late payments and the account has always been paid as agreed '', he could re-score her credit and it should be at XXXX. So, we are offered an interest rate of 4.85 % instead of 4.65 % and our PMI doubles because of our lowered score. This report should have been sent to the credit bureau no later than XX/XX/XXXX, but Capital One neglected to do that.
So, both " XXXX '' ( my wife ) and I have spent since XX/XX/XXXX every day on the phone for at least 3 hours asking for this letter. We were promised on XX/XX/XXXX, that it would be 24-48 hours before we could receive this letter in a fax. On XX/XX/XXXX, we were told it had not been 48 hours, so we should wait. On XX/XX/XXXX, we were told that they did not tell us the truth and it would actually take 10-30 business days, but they refused to tell us what the letter would say when we received it. ( It could be exactly what they have previously sent which our mortgage broker told us means nothing ). On XX/XX/XXXX, we reached the Executive Resolution Department who promised us we would have the letter soon, and he would work on it that night. We should expect a call from him one XX/XX/XXXX. On XX/XX/XXXX, after several hours of trying to even be transferred to this person we spoke with the previous day, we were told he was at lunch. We waited an hour, called back, and were told he was in a meeting. We kept fighting and miraculously he came out of the meeting to speak with us. He made promises to get us the letter, but they were open ended. Once we finally broke through to get an actual timeline of when we could receive this letter, he said 60-90 days. We asked for his manager, and he said his manager would call us in 24-48 business hours. On XX/XX/XXXX, we called Capital One and were put in touch with the Fraud Department who told us that they could not speak to us at all. They tried to transfer us to the Executive Resolutions Department who was closed. This should have been handled in XX/XX/XXXX, but they didn't handle it. I need it fixed or I lose this house.
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06/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My complaint is against Capital One. I have had a Capital One XXXX card for several months. Someone ( I believe from Capital One ) has stolen my identity three times in the past month ( even on a brand new card with a new number in less than one week ). My on-line account was disabled several weeks ago due to the fraud and I was told by a Capital One representative that I would receive an email allowing me to set up another on-line account, but never received it. This prevents me from seeing what transactions have occurred on my account, so I have no idea if fraudulent charges were made. Whomever calls in to Capital One has answers to all of the questions presented to " verify my identity '' and Capital One moves forward with changing the address ( 1st time to an address in XXXX, NY when I live in XXXX, GA ) and then sends me an email thanking me. The next time ( some time this week ), someone called in ( apparently with all the right information to " verify my identity '' ) and changed my email address. Capital One 's response was to file a fraud report with Identitytheft.gov. This is not a viable option as they don't really do anything. Capital One issued a credit card to me about three years ago ( I did not apply ) and I reported it to XXXX as well as my local police department and nobody ever contacted me as a follow up. Capital One refuses to give me the address in the XXXX so I could file a police report and, believe me, police do not have time to follow up on these matters without specific information, such as that address or the email address ( that I also requested ). I just want something done. I have wasted so much of my time during the past month dealing with this issue and it does not seem to get resolved. Capital One won't even provide the authorization I need so I can monitor my account ( in spite of providing my work email for them to send the authorization ). They did not, of course, comply with that request. Further, I contacted Capital One 's fraud department this morning ( after spending an hour on the phone last night ) and I was told that they would " investigate '' but that doesn't ever seem to happen. It did not happen three years ago when Capital One issued a card to me for which I did not apply. I filed a police report for that one ( something that took a half day of my time ) and absolutely nothing was done. I want the address in XXXX, NY and I want the email address that someone tried to link to my account. I believe in these days of so much fraud, and considering that this has happened three times during the last month, I have every right to have that information so I can take the proper steps with law enforcement to get this stopped.
I am simply disgusted and desperately need to have something concrete done about this, whether it be by Capital One or law enforcement, but they have tied my hands. This could be easily solved by the sharing of information so it can be properly reported, but Capital One has not been diligent in helping to make this happen. Perhaps it is because they are protecting someone within their own organization, which is what I truly believe. I just want this stopped!!!!!
Thank you!
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03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XX/XX/XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XX/XX/XXXX and XXXX XXXX into its monthly reporting on payments and overall account status.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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12/16/2015 |
Yes |
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Web |
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Good afternoon, I am submitting a complaint on the manner that Capital One managed a charge I dispute on my Credit Card Account. Following is a detail account of the events that transpired : On XXXX XXXX, 2015 I went on-line to find car rental for XXXX during XX/XX/XXXX. I used the XXXX search engine to review the different alternatives and choose XXXX of them. I booked the reservation with XXXX. The reservation total cost was {$370.00}. I prepaid the reservation in full using my XXXX XXXX.
I received an e-mail confirming the reservation and the rental agreement. The reservation included unlimited mileage, taxes, airport fees, liability and fire insurance. The agreement stated in the terms and condition " Upfront Pricing, and No Hidden Fees ''.
Attached for your reference are the following documents : Confirmation and agreement of the reservation Full payment of the reservation with my XXXX XXXX.
During XXXX 2015, I traveled to XXXX and used the reservation as previously agreed. On XXXX/XXXX/2015, I arrived at the XXXX rental desk to pick up the car. During this process, I gave my Capital One credit card as insurance for any accidental damages. I only signed a document stating that I was retrieving the vehicle in full working condition with no damages. I did not sign for or authorized any additional charges.
I returned the on XX/XX/XXXX, as previously agreed upon. The car was returned in perfect condition with no damages. On XX/XX/XXXX, I notice that XXXX charged me an additional {$690.00}. I contacted XXXX to inquire about these charges and they told me that they were " additional fees '' part of the rental agreement. I refused the charges, on the grounds that they were not previously disclosed or agreed by me. I had no luck with them, so I initiated the dispute with Capital One to eliminate these charges.
I contacted Capital One to dispute these charges on XXXX XXXX, 2015. I provided a full written explanation and copies of the supporting evidence. As part of the investigation process, Capital One received an itemized bill from XXXX detailing the additional charges of {$690.00}. Capital One shared this bill with me. Capital One told me that this bill " demonstrates '' that the charges are valid and the dispute would be closed in the favor of the Merchant. I immediately contacted them to state that the bill is fraudulent. The bill was not signed or approved by me. Furthermore, the bill was created and produced after the rental agreement was over. None of the additional fees in this new bill proceed either because they were fully prepaid by the reservation or they were not part of the term s and conditions of the original agreement.
I contacted Capital One in numerous occasions though the phone, fax and e-mail to explain that the addional charges were never authorized by me, are not part of the terms and conditions of the original agreement and therefore do not proceed. Capital One did not gave credit to any of my explanations or supporting document. They only gave credit, to a bill which was fraudulently created after the rental agreement was over. Capital One closed my dispute in favor of the customer on XXXX XXXX, 2015.
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11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The company shared my info to third party without my consent and without giving me the option to opt out. My family and I are being damaged by the remarks on my credit report, preventing us to pursue a happy life.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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08/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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On XX/XX/2021, my husband and I completed a joint request for pre-qualification from CapitalOne. Shortly thereafter, we received an pre-qualification letter in the mail stating we were pre-qualified. Their XXXX website had to be used to determine how much. We found out we were pre-qualified for up to {$20000.00}.
We spent a couple of weeks working on our auto insurance because we were adding a 3rd ( young ) driver and need the extra car. Many calls with VIN numbers to see what rates would be for the young driver.
When we finally narrowed it down to two cars on XX/XX/2021 ( the pre-qual is good until XX/XX/2021 ), I was unable to get the payment calculator to work.
First, I used the chat option on the XXXX website for help. They told me I had to enter a trade-in vehicle amount in order to view payment, APR, down payment, and terms. So I called XXXX to speak with a representative. She told me that I had to have a trade-in in order to get the payment calculator to work.
She transferred me to a supervisor, who, after nearly 30 minutes of conversation, told me that we were not eligible for an auto loan with CapitalOne. That no amount of down payment applied would get us a loan. We qualified only if we traded in one of our existing two vehicles.
We only have 1 auto loan for less than {$5000.00}. We're currently using less than 20 % of our available credit. Our average credit score combined is XXXX. We have over $ XXXX equity in our home and it's appraising for DOUBLE what we paid for it. We have no missed payments or bankruptcies.
I'm upset that for nearly 2 weeks, I've wasted my time looking on their website for a car/dealership which they approve of because we were told both in a letter and on the dashboard of our account that we were pre-qualified for a loan up to {$20000.00}. We set up appointments to test drive the vehicles!
Our reference number for the pre-qual : XXXX.
No where does it tell us, not on the letter communication NOR on the dashboard, that we had to trade-in because we're not qualified for TWO auto loans, regardless of the amount of EITHER loan.
I asked about putting down XXXX % as a down payment and we are still NOT qualified. Yet, according to the paperwork and their online account, we are. They are not disclosing the terms in which we qualified and to say you can borrow up to $ XXXX is no small feat, when in reality, we do not qualify AT ALL.
Here 's part of the letter we're supposed to take to the dealership : " Amount Financed Restrictions : For new and used vehicles, the minimum Amount Financed is {$4000.00}. Your maximum Amount Financed may be based on income, key credit characteristics, the vehicle you are purchasing, the details of the financing deal, and/or the specific dealership from which you purchase the vehicle. The Amount Financed may include the vehicle sales price, tax, title, licensing fees, dealer fees, and any optional products like service contract and/or extended warranty that you choose to purchase from the dealer. '' I've uploaded a copy of the letter as well.
If you read the letter, you'll see that it says " may '' and " some ''. No where does it say " required '' or " contingent ''.
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09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Credit Dispute Summary Orion Wise case # XXXX - re card ending # XXXX SSN last 4 # XXXX Capital One assessed an inaccurate 30 DAY LATE payment for my XX/XX/XXXX credit payment on my account ending x1403. I had set up recurring payments for 12/1/16, got a confirmation via a phone call with one of their representatives in XX/XX/XXXX that it was confirmed, and scheduled/made the payment on XX/XX/XXXX. Capital One then reversed it on XX/XX/XXXX without notice, and assessed a late fee. I disputed this, then got them to accept payment over the phone on XX/XX/XXXX, and they waived the late fee in recognition of their error. Instead of doing as agreed, they then reported it to all major credit agencies as a 30 DAY LATE instead of Paid As Agreed. I have been trying to get this error reversed for the past 21 months.
I have incurred {$570.00} with XXXX XXXX to get the error removed in addition to notary fees of {$45.00}, as well as 50+ hours of email, online, chat, and phone disputes. I am not seeking damages at this time, I just want the error corrected as agreed in my XX/XX/XXXX discussion with the representative from Capital One.
Until its reversed, this will be my only late payment in my entire life. As a matter of principle, its wrong, and my entire credit history reflects my good standing to support this as well. This is all over a {$100.00} charge which I set up to pay automatically from an account with over {$47000.00} in it at the time of payment ( source docs below ). I am disputing Capital Ones report of the payment as late due to the fact it was scheduled, paid on time, and the account had ample funds. They chose to reject the funds of their own accord even though funds were available, and to make it even more ironic, they then accepted funds from that same bank over the phone. This might be a predatory practice, but I dont care, I just want my credit restored to Paid As Agreed.
In addition to the above, below are the steps I had to take with Capital One before even setting up recurring payments : They refused to accept payment from my primary bank XXXX XXXX ( XXXX XXXX XXXX ) for the duration of my tenure as a cardholder. I had to have a conference call with a representative from XXXX XXXX in XXXX and representative from Capital One inXX/XX/XXXX where the Capital One Representative confirmed they would not accept payment from my bank. I opened this bank account when I was XXXX years old, and use it for all my credit cards.
I enrolled for automatic payments with my XXXX Account instead to ensure no payments would never be missed, as I have with XXXX, and XXXX XXXX XXXX cards. The website confirmed these were set up. The website does not send a verification email, just a pop up in the enrollment window. My bank however confirmed these were set up. I have source docs for this. The payment showed as posted on XX/XX/XXXX.
I cancelled my card in protest since I had perfect credit history since and before XX/XX/XXXX, but the approximate 40 point loss due to this inaccurate report has caused me financial damage.
I just want the mistake reversed, I'm not seeking damages Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
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10/14/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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There was not an option that fit my situation.
I had a credit card with Capital One Bank. I got behind and was not able to continue to make the payment. The debt was sold to to XXXX XXXX XXXX XXXX. They turned around and filed for a judgement at the XXXX County Magistrate. Upon recieving notice of this filing I reached out to XXXX XXXX to investigate what this was about. I called them on XXXX/XXXX/XXXX. They informed me it was for the Capital One Credit Card that had a balance of about XXXX. We settled on a payment of XXXX. I made the payment over the phone at that time using my debit card. I requested that proof of payment be sent to me via email at the time and they stated that it was a process and they would get the process started within 48 hours. Two days later I called to get an update on the proof of payment and they stated that they would send it out. This went on for about three weeks and they still never sent the proof of payment. They verbally reassured me that the file was closed and that they reported it to the Credit Bureaus.
In XXXX of XXXX, over one year after I had made the payment on XXXX/XXXX/XXXX I received notice from XXXX County Magistrate Court that a Judgement was granted to XXXX. I was stunned being that I had already paid it. I called XXXX XXXX and let them know that they needed to correct this. At this point the judgement was appearing on my credit report. In late XXXX of XXXX I received a Certificate Of Service stating that the Judgement was satisfied on XXXX XXXX, XXXX. This was well over a year after the payment was made.
Last week I applied for an auto loan at my credit union and was denied because I had a judgement reporting on my credit. I called XXXX XXXX and they stated that the file is closed and that they can not do anything about it. I kept calling and the sent me to the voicemail of their attorney ( XXXX XXXX XXXX ) that was handling the case. He still has not called me back.
Today I called XXXX XXXX and they told me to go to the Magistrate Court and ask them to help me. When I went down there the clerk said that they can not do anything and that it was already filed.
XXXX XXXX refuses to help and take the proper steps to correct the mistake that they have made. I have been hung up on, put on hold until I got tired and hung up and been sent to eronious voicemails. These people are very aggressive in obtaining payment but once the payment is made they do not honor their word and make sure that the file is properly closed out. This infringing on my quality of life.
I have attached the following documents : 1. Statement of Payment History : This statement will show that that I paid off the settled amount of XXXX on XXXX/XXXX/XXXX.
2. Default Judgement Order : This shows that the judgement was rendered on XXXX/XXXX/XXXX. Almost two months after the payment was made.
3. Judgement Satisfied Certificate of Service : Well over a year after the payment was made and they send me a Judgement Satisfied letter.
4. Proof of Payment showing a XXXX balance.
I was finally able to get somebody to send me the documents that I am uploading today. But it was after days and hours of phone calls.
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10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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In XXXX of XXXX I purchased a XXXX XXXX suburban. Capital one auto finance was the lender. Everything was okay until it came to the registration of the truck. The dealer could not get the truck registered in my name with the 30 days that Indiana allows. To be honest XXXX not sure what the problem was. I had already paid through the contract to get the everything processed. The dealer itself totally dropped the ball and moving forward Capital one was demanding it be done. I had many conversations with the dealer and Capital one that I was insured but driving on an illegal temp plate. Several months just over a year had passed and now covid-19 comes into play. And Capital one offers me a settlement on XX/XX/XXXX to settle on this truck. Attached is the agreement. I then take the actual title myself that was sent to me from the dealership. I finally was able to get it registered on my own having to pay for this out of my pocket. Keep in mind its XXXX years this truck wasnt registered from its original sales contract. At this time my credit report took a very negative hit because it went into late payments and charge off status because I refused to pay until the problem was resolved and thats where Capital one auto finance offered the agreement. I accepted and started making payments monthly for XXXX for a total of 3 years. At this point I am under the assumption Capital one auto finance would report my on time payments and I would eventually get from negative credit reporting to positive credit reporting. I have disputed this and have shown XXXX, XXXX and XXXX that in fact was making monthly payments to capital one along with the agreement from capital one auto finance directly. All attempts have failed. I Also spoke with Capital one on several occasions and they said unfortunately there is not that can be done. I find this extremely wrong because we have an agreement and XXXX making payments and they should be reporting true and accurately. I am self employed and pay appropriately XXXX for my semi truck auto insurance to where I should be paying about XXXX so my personal life is currently being affected financially by incorrect payment reporting to the credit reporting agencies. I had no other option recently but to pay off this account instead of paying over 3 years. I paid off the because I feel that I had to in order to file this complaint today so we can all move forward. However the damages to my credit report as a whole has greatly affected me personally and if this account doesnt get deleted within 30 days I may be forced to retain an attorney and seek damages due to this account totally causing tremendous stress from the time to the vehicle not properly being registered and now the 100 % misleading, and false credit reporting which misleads the payments that I have made every month since the agreement was agreed upon. Attached you will see the agreement, the date in which I paid for to get truck titled correctly in my name and make sure that Capital one auto was the lien holder. This was the dealers responsibility not mine. So I would like to see this Trade-line removed from XXXX, XXXX, XXXX within 30 days please and thanks.
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04/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Capital One has charged me several late fees for technical issues that were beyond my control. A payment I made was also reversed without explanation and I was not refunded the money in my bank account. The late fees steemed from when I setup auto pay on my account after missing two payments in XXXX and XXXX. I missed these two payments because I am a XXXX XXXX and was unemployed at the time. Once my finances improved, I paid the minimum payment which was {$220.00} to bring my account current. Capital One charged me for this payment twice, but later adjusted my account to remove one of the payments. I would like this to be corrected.
Once I established auto pay, there were automatic drafts on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Following this, the XXXX auto pay was returned, but I did not receive notification of this from the credit card company. The payment was taken from the same account I used for the XXXX payment. Upon realizing that the payment did not process, I made a separate payment on XXXX XXXX. There was also an autopay scheduled for XXXX XXXX. I'm not sure how this happened, but that automatic pay was scheduled to be drafted from an old bank account I had on file. I did not select that bank account for the automatic payment, thus it must have been a technical issue. Since the bank account was closed, the autopay was returned on XXXX XXXX. And the autopay on my account was canceled by Capital One. Since the autopay was canceled by the bank, I also missed my XX/XX/XXXX payment and was charged a {$27.00} fee. This was around the time Covid-19 became more rampant in the US. I was in the midst of school and a family emergency and my entire life was upended. I had to leave XXXX to come to Louisiana where I am currently located. I was not able to stay on top of emails or bills as I was reeling from changes to my school schedule and employment. Thus, I never noticed that the automatic payment was stopped. I missed the XX/XX/XXXX payment and was charged a {$38.00} late fee. In total, I was charged {$65.00} in late fees. I contacted Capital One and asked if they would help me bring my account current by removing the late fees. I told them I received my stimulus check and was willing to pay the minimum balance, but I also wanted the late fees waived because they happened as a result of issues that were out of my control. I received sterile and uncompromising assistance from the Capital One representatives I spoke to. One of senior account representatives I spoke to even hung up the phone and I had to call back. This is incredibly unkind and unprofessional considering the current economic and public health crisis we are all dealing with. I am trying to do what is right to bring my account current, but it does not seem fair that Capital One is refusing to remove these late fees since one was caused by a technical malfunction and the other occurred at the beginning of the coronoavirus pandemic when I was forced to move across the country and I lost income. It is only fair that Capital One refund these fees. I hope the company will do the right thing. I would also like to know why one of the {$220.00} payments I made was reversed.
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10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I called Capital One on Thursday, XX/XX/2023 to discuss making my full balance payment of {$330.00}. I always make my payments with my XXXX debit card that ends in ( I am aware I need to keep that information hidden ), and that information is saved in my mobile app, as well as my online portal. I noticed, the only option was for me to make payments via ACH/ checking or savings routing. As I never make ANY of my bill payments in that manner, I called and spoke with a representative ( XXXX XXXX XXXX XXXX ). He said this week, Capital One has changed the way payments are made to credit card accounts because the company has had issues with other customers monies being returned. As I do NOT like ACH options, I feel as though they take DAYS from pulling- I always pay with my debit so the funds can immediately come out, and be applied. The payment was made over the phone with the representative, and was successful. As this payment was made BEFORE XXXX, I was told my available balance would be my normal {$300.00} credit by today, Friday, XX/XX/2023. As I am heading to work ( XXXX XXXX ), I gave Capital One a call, when I was THEN notified - THIS morning, that my funds would NOT be available until NEXT XXXX, XX/XX/2023. That is HIGHLY disrespectful to me as a customer, as I paid my FULL balance BEFORE the due date of XX/XX/2023. I am highly frustrated with Capital One- because if I OWED money, I would be hounded. My funds were taken immediately out of my other debit account because the funds were AVAILABLE, and posted immediately. This is a huge inconvenience, as I have to pay my remaining balance of my rent owed. Telling me " unfortunately, the funds won't be available to use until XX/XX/2023 '' does NOT work for me. It is highly rude to NOT let your customers know that a payment IS posted, but I am NOT allowed to utilize my MY credit for OVER 12 days because of some new rule/stipulation that was NOT notified to ANY customers. I was NEVER emailed, called and texted about ANY of these changes. My payments have been posting SUCCESSFULLY from my XXXX debit account ever since I switched over to them earlier this year. I work very hard to pay my bills- I am always working, and make sure I pay before deadlines for due dates if I am able too. If I would have known my money would be held captive, I would've paid the MINIMUM balance due of {$25.00} on XX/XX/2023. As I do NOT like have balances, I did what I thought was right- and now I feel slighted, discriminated against and I am highly offended. I will always remember how this has affected my morning. I do NOT bother anyone. I mind my business, I go to work, and I stay to myself. If I would have NEVER called to inquire, I would've had to file a fraud alert as any other time Capital one FLOODS me with bull about cashback deals, and things that do NOT matter. IF I had OWED, I would have been hounded. It is very upsetting, and also not fair. I have to call my other bills to arrange plans with them to make later payments. I WILL never, ever again pay my bills in full to Capital One. I do not care about my credit score any longer. I am over it. I will call my bank and attempt to get my money back.
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08/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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My identity was stolen and used to open two credit card accounts at Capital One.
These accounts were not opened by me or by anyone who had my permission to open these accounts.
I never benefited from these accounts knowingly and had NOTHING to do with their creation.
I found out about these accounts and several others and loans etc that had been opened in my name without my knowledge or blessing.
I was a victim of identity theft and someone tried using my name to establish a credit history that I had no awareness of whatsoever! I was victimized in the extreme!
After learning of this theft, I filed police reports and an identity theft report with the XXXX AZ police and the Federal Trade Commission on XX/XX/XXXX. OVER A YEAR AGO!
I also called all of the companies who had accounts opened in my name fraudulently because I was sure that they would respond positively about my alert and correct the fraud that had negatively impacted my credit reports.
All of the companies I contacted responded properly and followed the law meant to protect me EXCEPT Capital One.
On XX/XX/XXXX I deposited into the mail via certified return receipt letters to Capital One, Capital One signed for the letter and a receipt was obtained.
Capital One sent two letters to me XX/XX/XXXX and XXXX XXXX One letter dated XX/XX/XXXX properly deleted an account in my name.
Another letter, dated XX/XX/XXXX from Capital One REFUSED to delete another account in the amount of {$430.00}!
Of all the companies I reported the theft to this was the last account and they simply REFUSED to thoroughly investigate this identity theft!
Capital One did remove another account properly.
I had TWO accounts opened at Capital One in my name fraudulently and they simply would not delete the account that had the lesser amount of {$430.00} as the reported balance.
That is when I began to panic as all other companies had properly responded to my victimization yet Capital One wanted to continue to victimize me!
Essentially trying to coerce me into paying a debt that I did NOT create!
The fraudulent account remained on my credit report even though I sent the following documents to Capital One On XX/XX/XXXX : Letter explaining what had happened and how I was a victim of identity theft.
Copy of Federal Trade Commission Identity theft Report.
Copy of XXXX AZ police report detailing identity theft.
Copy of Washington state drivers license.
Copy of utility bill.
The credit card issuer has failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it.
On XX/XX/XXXX I sent yet another notice to Capital One via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and signed documents within 30 days.
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05/14/2015 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Older American |
I thought I had submitted a dispute to the creditor 's response. For an unknown reason my complaint shows undisputed with CFPB.
This is to dispute Capita One response to case number XXXX and add matters not included in the original complaint.
The bank claims that there are no records indicating that a payment plan was agreed. The plan consisted of monthly payments of {$190.00} for six months and then the account was going to be placed on a permanent payment plan. The bank 's response is not credible since the bank has records of all calls and they indicate when they call or is called by the consumer that all calls are recorded. I spoke with collection officers in several occasions. The bank should be asked to produce the telephone records for the call when the first payment for {$190.00} was made. The record would should that that amount was established by the bank to provide a period of performance before the account was to be permanently placed on a payment plan.
The records will also show that I was advised to make a minimum payment before the account was 180 days to prevent charge off. I made the payments before the 180 days. The account never became 180 days past due. The record will show that a delay by the bank in posting a payment resulted in the charged off of the account. In addition, the bank should provide a copy of their internal policy ( which they quoted several times ) that requires charge only when when the account becomes 180 days past due. The account never became 180 days past due.
The bank failed to address the violations of the Truth in Lending Act and Fair credit Reporting Act cited in the complaint. It appears that the bank is hiding these records to conceal a violation of these regulations.
New information not included in the original complaint.
The bank used unfair and deceptive acts and practices. It was unknown to me that at the time I was talking to someone I taught represented Capital One I was dealing with a collection agency. In violation of the FDCPA the debt collector, XXXX XXXX, XXXX, did not disclose at the time they stated calling me that they are a debt collector. XXXX XXXX is a debt collector owned by Capital One. Capital One deceptive acts includes the use of debt collectors such as XXXX XXXX or XXXX XXXX, to collect on defaulted credit card accounts, but it calls these debt collectors a " servicer '' of the account and pretends that the account is not in default in order to get around FDCPA liability. Their deceptive practice includes the use of letters that look like they are coming from Capital One Bank, including the Capital One logo.
Capital One Services discloses in the small print, that they are a debt collector, but they only do that after they have made several calls and after reaching and agreement with the creditor. The letter containing the terms of the agreement is the first time they disclose that they are debt collector. In addition, the letter indicating the terms of the agreement is made written with the intention to deceive since they make it look like it is from Capital One Bank. Failure to disclose that Capital One is a debt collector is a violation of the FDCPA.
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10/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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None of the categories were a very good match for my complaint. I tried to pay my credit card bill as I usually do, but found that I have been locked out of online access to Capital One. Over the last month, I have made repeated calls to their customer service and been escalated to technical support. I knew that a late charge would be applied to my account, and it was. At this point in time, I have called 11 times. The crux of the matter is that XX/XX/2018, I legally changed my name and gender. My social security card, identification, insurance, etc ALL reflects this change. At this point in time, I have 2 credit cards that hadn't been switched. I had sent documentation of my name change to Capital One a couple months ago, but didn't hear anything back from them. During every call to their support I mentioned my name change. After 8 calls to them with no progress on being able to access my credit card online I canceled my card and requested a closing statement, which they did send. However, I then received an email informing me that my Capital One 360 bank account was overdrawn. I tried to log in to see what had happened. That was when I realized that it wasn't just access to my credit card that was locked. It was also my checking account, my savings account, and an investment account ( which I normally ignore ). I called customer services yet again. I explained my situation again, and the customer service agent removed the late fee, and escalated the call to tech support. This time I was told that my name was changed on all of the accounts except one and that the mismatch was causing the trouble. This agent informed me that he was unable to do anything about it as it was a 15 year old auto loan and only people in that department could help me. He gave me another phone number to call. I called the Capital One auto loan department the next day. The customer support person was polite as I explained my frustration about how much time I had invested in trying to access my own money and credit. She put me on hold, then came back to explain that there was a balance due on the auto loan, ( which I dispute ), and that the only way to change the name on the loan would be to refinance it, but that it wasn't refinance able because of the small amount ( under {$500.00} ). The loan is so old that it does not show up on my credit report and would not be collectable even if there was a valid balance due. They want me to send in a birth certificate AND the court order showing my legal name change. I was not assured that this would fix the problem. I had already sent them copies of my driver 's license, my username, passwords, answered every security question, and given my current/previous addresses, etc. I have not been asked for my birth certificate by any organization I've done business with, not even to get a new driver 's license. I request relief and assistance in my dealings with Capital One to make them update the names on my accounts to my legal name. The amount of effort I've made should be enough. No one who has changed their name through marriage is made to go through this type of process. It is blatantly discriminatory.
XXXX XXXX
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03/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I am staying in a hotel related to business purposes starting XX/XX/XXXX. On checking in, through a series of completely unrelated issues, 3 different cards were placed on account. One, my debit card ending in XXXX, two an XXXX XXXX card ending in XXXX, and a third family member 's card -with authorization- that was never used. On XX/XX/XXXX, the debit card was charged for a week 's stay. This went through and was charged without difficulty. On XX/XX/XXXX, I paid the week 's charge of XXXX which, while I was standing at the desk, was presented to me as gone through. I received a notification from the bank, as I do with all my transactions on my debit card. However, following this, there were 2 more holds- one for XXXX, ( transaction # XXXX ) on XX/XX/XXXX, and then on XX/XX/XXXX, another hold for XXXX ( transaction # XXXX ). These were not authorized by me. The XXXX the merchant told me was a regular hold they placed per week on longer term stays. That was annoying, but acceptable. The merchant did not know where the XXXX came from. This was followed by another XXXX charge on XX/XX/XXXX, which the merchant said was the actual charge on the room to bring the room charge up to date. The outstanding " holds '' at this point totalled XXXX, with a further XXXX held on the XXXX card. I called Capital One because at this point, my checking account balance had gone well into the negative and other withdrawals- car payment, insurance, etc., were now " bouncing '' for NSF status. Capital One stated that the only way the holds would come off the account is if the merchant called and removed them. I explained this to the merchant who was very happy to call and make the removal. He did so immediately. However, Capital One refused to remove the holds from the account stating that " the merchant has to call ''. After reminding 2 separate call takers that the merchant had, in fact, already called and taken the holds off, the first one transferred me to the " customer protection department '' who then proceeded to give me the same information, but when was reminded the merchant had already called, then denied he had ever said that the holds could only be removed in this fashion, and further stated he did not know why anyone would have ever said that. I asked to be transferred to someone else, as he was obviously and purposefully gaslighting me. He did so. The next person then refused to talk to me because at that point, although they were recording me, I was not allowed to record her- regardless of the fact that in the state of Texas it is completely legal to do so. She refused to proceed further. On calling back to Capital One, I explained I needed an email or physical address to send a complaint to as the telephone assistance service had turned into a " he said/she said '' mess, and Capital One then stated they had no such address to send a complaint to. I do understand the realism and purpose of " holds '' on my account and have accepted them over the years. This, however, has fallen out of the normal course of events and risen to the point of absurdity due to Capital One 's refusal to work with the information the merchant has given them.
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05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX : I had booked airline tickets to the XXXX for my family of XXXX. I had also purchased a cancellation policy, like I normally do with my flights. In error, I had ordered tickets for the wrong date. I then booked the correct tickets/dates. I also called XXXX XXXX that morning, within the hour of bookinr to correct the error and to reverse the charges.
Correct tickets : Flights XXXX XXXX XXXX at {$4300.00} Incorrect tickets : Flights XXXX XXXX XX/XX/XXXX {$5300.00} The XXXX Representative could see all XXXX seats booked -- she did a great job on the phone telling me that the reserve would happen -- the phone call was over 40 minutes as it took a while to go through each seat and ticket. Because that day was XXXX and the weekend was coming up for banking purposes, she stated that my credit would happen in about 4 days.
Four days past, no credit. I had waited until the following week to check for a refund and it did not take place. I contacted my credit card company to dispute knowing the credit card company would able able to work directly with XXXX XXXX Customer Service and review the call and records on file. My credit card company ( Capitol One ) provided provisional credit until the case was closed.
My credit card company then contacted me in XX/XX/XXXX stating that XXXX had issued a credit and is retracting their company 's conditional credit of {$5300.00}. That is incorrect. A credit was NEVER provided by XXXX XXXX.
I then contacted XXXX XXXX via a phone call who a customer service rep told me to put a complaint in on their online portal. I received a response from XXXX XXXX on XX/XX/XXXX via email that NOW they are telling me there was not XXXX seats booked, but the difference I was disputing was additional cost of the tickets at additional price of {$660.00} per ticket. When I provided XXXX with my confirmation number they said they could not longer see the details of record. That statement by XXXX XXXX is false and fact altering regarding the " upcharge of seat price ''. I have printed emails from XX/XX/XXXX from XXXX confirming of all XXXX seats books by dates and seats showing all the cost breakdown. I even have my matching credit card statements showing the original purchases, along with no credit from XXXX and the provisional credit by Capital One, and THEN the retraction of provisional credit by Capital One. XXXX created a false statement to my credit card company to not provide a credit.
I then wrote a letter to Capital One to dispute AGAIN, letter dated XX/XX/XXXX with using the XX/XX/XXXX date to keep within the 60 days of dispute. I enclosed with my letter six attachments of proof of what had happened. ( Original confirmation of ALL XXXX tickets, credit card statements, proof of contacting XXXX, etc ). Capital One rejected my second dispute as I was not in the timeframe of 60 days from the original purchase -- rather than my attempt at the 60 days of disputing the response of rejected credit by Capital One on XX/XX/XXXX.
I then sent the same package and letter to XXXX XXXX, with the same packet of information and attachments to the letter.
I have yet to hear any response from XXXX XXXX.
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05/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
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Web |
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On XX/XX/XXXX I contacted Kohl 's Charge in order to get a copy of my Statement faxed to my Broker, I provided a fax number and who the fax should be sent to. I was told a request had been submitted. We are in the process of closing on our house and are trying to pay this account - payment after escrow, this is holding things up.
XX/XX/XXXX @ ~XXXX XXXX XXXX XXXX - I contacted Kohl 's to get a copy of my statement, relaying that the fax was never received by my broker. I was told that they don't fax statements. I asked to speak with a supervisor, the supervisor told me the same thing " we can't fax statements ''. I asked to speak with her supervisor. I was transferred to a man, who said that the best he could do for me right now was a letter stating my account number, balance, and name on account. At that time, I told him that wouldn't work, that my broker was requesting a statement. I asked to speak with someone in America, at which time he said that he would put in a request.
XX/XX/XXXX @ ~XXXX XXXX - I contact my broker to let him know the situation, he tells me that a letter will work fine.
XX/XX/XXXX @ ~XXXX - I contact the Kohl 's store in XXXX , OR hoping that someone in Customer Service can help me. I am told that they don't have any access to my account information because it's a second party that handles the credit cards - Capital One. They ask me to come into the store because they think they can help get me what I'm needing if I'm there.
XX/XX/XXXX @ ~XXXX - We call Kohl 's Charge from the Kohls store in XXXX , OR. This time we are told that faxes can take up to 72 hours to process but that I should be seeing my statement on the Kohl 's website. The Kohls associate and I tell them that my account is stating, " No Statements Available '' on the website. At which time they tell me that it must be because I'm not signed up to receive statements electronically - I was and am signed up to receive statements electronically. We asked to speak with a manager. We are hung up on.
We call back and I ask to speak with a manager. I am told, " if this is about the fax thing, there is nothing we can do about it, you are going to get the same answer ''. Everyone I spoke with had a different answer - the last time I spoke with a manager I was told that they do fax statements, and that they have a " fax department '', and that it can take anywhere from 72 hours to 10 business days for things to be faxed, she also didn't know where this fax department was or how to transfer me there. They refused to e-mail me a statement or fix my account so that I could view statements. I am trying to pay this account and I am feeling like they are stalling in order to collect more interest on this account. They are making it very difficult to close account.
XX/XX/XXXX - Kohls associate and myself submit an e-mail to the Customer Service department at Kohls Charge and let them know that I can't see any statements on my account and that I've been trying to get information faxed without success. Their reply was that there must be something wrong with my e-mail and that they don't fax.
It shouldn't be this difficult to pay off an account.
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11/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 30 days late. This has damaged my credit worthiness and is extremely troubling.
I am sure that CAPITOL ONE AUTO FINANCE is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost.
They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late.
They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation.
1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account.
2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date.
3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date.
If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others.
If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report.
I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address.
Sincerely, XXXX XXXX
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09/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
Here is a copy letter I sent to Capitol One where they never researched my complaint and had communication errors from the start : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2019 Dear Capital One, Im contacting you by mail concerning my dispute with XXXX for charges of XXXX & XXXX for the XXXX XXXX Concert on billed on XX/XX/2019.
I was not able to attend the concert because of a family emergency.
I contacted XXXX for a refund and was denied so I was told to either try and resale these tickets on their marketplace or contact the promoter for a refund.
I actually did both, after trying to resale the tickets, it turns out XXXX dropped their prices for the same type of seats because the show was not selling, my tickets that were originally over XXXX each, XXXX was selling for XXXX each, which made it impossible for me to resale.
After contacting the promoter I was told if I sent a document to them showing why I could not attend they would refund my money.
I sent you on the upload you sent me on XX/XX/2019 as you requested for all this information above.
I sent this thru the link you provided me.
Since then I called you on XX/XX/2019 and and again on XX/XX/2019 asking if you received all my documents and it was confirmed they were received, I was also calling to get the status of the disputes and was told you were waiting for the merchant to re-contact you with my new claims. I was also told on these calls if the merchant didnt respond by XX/XX/2019 that I would win the case.
Today XXXX XXXX I called again asking for an update, again I was told that one case dispute was still open and the other closed.
This didnt seem right to I asked for a supervisor in your dispute department.
Come to find out ( XXXX ) tells me he was behind on reviewing my case and said one of them were closed due to no documents received. And as I told you before from recent phone conversations That I receive one link to upload the documents for both cases, so I uploaded information for both cases, ( the story is the same for both disputes anyway ) It looks like your dispute didnt even act on the information I sent you and was told I was sent a letter that I was rejected on XX/XX/2019. ( Which I never Received ) Also : Your calls are sent to The XXXX and I has been a struggle to understand them and this is part of the problem.
( Did They Give Me Improper Information? ) It seems like their training is lack luster and this is not my fault the communication On this issue is not right!
It has been a struggle trying to reach you to discuss this in detail.
This case has not been handled properly from the start as i have my provided documents to you as promised, and why was I told I would win the disputes if XXXX has not answered by the new information sent by XX/XX/2019?
You have all my information I sent you, the ball has been dropped by your team and Im not paying this bill!
I deserve a better outcome as you communication has not guided me in the proper direction to resolve this, this is why I called you so many times after the documents were sent to confirm this.
Sincerely XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Ca, XXXX
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05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
Capital One wrongfully closed a credit card account in my name, ending in XXXX, under pretended concerns about fraud. They disregarded all of my efforts to remedy the situation.
On XX/XX/XXXX I attempted to buy a plane ticket originating in a foreign country. Capital One flagged this transaction as possibly fraudulent and sent me an email asking if I recognized the purchase. I responded that I did. In the past that had always been sufficient to get my card re-activated.
On XX/XX/2022 they sent me an email asking me to call them to resolve the issue. I was traveling and didn't call them until XX/XX/XXXX. After the call on XX/XX/XXXX they sent me a link to upload documents but I was unable to get it to work ( I later discovered entirely on my own that their upload link frequently does not work with the XXXX XXXX. ) On XX/XX/XXXX they sent me a letter saying they would close my account within 45 days if I did not provide additional information. On XX/XX/XXXX I called them ( call duration XXXX minutes ) and again on XX/XX/XXXX ( XXXX minutes call duration ) to figure out how to upload the documents they requested. At this point they asked for " Federal or State Issued ID '' ( copy of email preserved ) and I uploaded a copy of my passport.
On XX/XX/XXXX I called them to find out the status of my card ( call duration XXXX minutes ). The agent falsely claimed that I had to upload only a state ID ( not Federal ) and my account had not been reopened because of this purported failure on my part. They emailed me another link and I uploaded an image of my New Jersey driver 's license.
On XX/XX/XXXX Capital One sent me a letter saying they had closed my account " because we still haven't been able to get that information from you. '' At this point I had uploaded both my passport and driver 's license and had talked to them at a minimum for XXXX minutes trying to " get that information. '' On XX/XX/XXXX I called to try to resolve the closure ( call duration XXXX minutes ). At this point they said that in order to get the account re-opened I would have to either fax or mail a photocopy of my NJ driver 's license. On XX/XX/XXXX I faxed a copy of the DL and mailed it as well. On XX/XX/XXXX ( call duration XXXX minutes ) I followed up and the agent said my fax wasn't acceptable because it was " too blurry, '' although of course they never sent me a copy of my " blurry '' fax or even explained what possible legitimate concerns they could have about my identity at this point.
My mailed copy of my driver 's license was lost without a trace. After the XX/XX/XXXX call I was sent yet another link to upload documents and told to follow up within 10 days.
On XX/XX/XXXX I called to follow up ( call duration XXXX hour XXXX minutes ) and was told my account was closed and there was nothing anyone could do to fix it.
Capital One, through reckless indifference, incompetence or desire to deprive me of benefits, wrongly closed my account and in so doing stole, on information and belief, approximately XXXX miles associated with the account. Proper restitution would be for Capital One to, at a minimum, reinstate my account and miles balance.
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03/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Capital One closed my credit card account. They did so without advance notice. The account was current with a balance of {$53.00}. The closure shows up on my credit report as account closed by credit grantor which caused a significant drop in my credit score. This drop is now affecting my ability to get a mortgage as well as the interest rate that I will potentially qualify for. So, there are real damages to their actions.
It took me five calls and four days to get in contact with someone at capital one to discuss this. I originally learned about it from an alert sent by my credit score monitoring company that notified me of a status change for one of my accounts ( Cap One account now showed as " Closed by Credit Grantor '' ) and a 38-point decline in my credit score. At this point, I had not been notified by Capital One and I had no idea what was causing the closure of my account. After several days of contacting Cap One, trying to find out why. Each time being told that their customer service people had no information. And the only way I could find out anything was to leave a message with some obscure department that does not answer calls. It took four attempts to get connected and to leave a message. Four days later, I received a call from someone from their executive resolution team. XXXX ID # XXXX, spoke with me on a recorded line. And basically, told me nothing. The woman read from a letter which, by her own admission had not been sent to me yet. Amazing!! The letter stated something to the effect that management closed my account because they were not happy with my usage patterns. I don't use the card much. And I pay it off as soon as I do. Obviously, I am not a meaningful customer to them, because I do not generate interest charges or fees. Furthermore, when I asked the person who called me If I could speak to her manager or any person of authority at Capital One. She gave her managers name but would not give his ID number and said she would not allow me to speak with him. She told me that closing the account was within their rights as per the cardmember agreement. Repeating that statement as well as other jarred answers. Telling me there was no one else to speak with and she could be no further help. I then asked for who I could write to or call. She told me my only recourse was to write a letter and send it to the general correspondence PO box . I then asked who regulated them, which she did not initially know. She paused and had to investigate. She also was unable to direct me on how to contact their regulator and make a formal complaint. She later directed me the CFPB but did now know how to contact the bureau.
The fact that they managed this process so poorly is not my primary concern. Although I think it should concern the CFPB. I don't need the account. My issue is that they could have simply given me the opportunity to close it on my own for a period of time, before doing so themselves. Or report it to the credit bureau in such a way that was not so damaging to my credit profile. I am no risk to them and there was no need to act so abruptly without notification or considering the effect of their actions
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04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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My father took out a store credit card in his name at XXXX XXXX XXXX XXXX ( XXXX XXXX - Capital One ) in XX/XX/XXXX. To allow me to run to the store and make purchases on his behalf for his home project, he added my name to the card without my knowledge. By adding my name, he did not believe this would impact my credit, as I ( XXXX XXXX ) was not present and did not authorized such transaction. He was only asked what my name was, thus, having no reason to believe that my credit would be impacted. Neither him or I had agreed that I would be somehow financially responsible or have any obligations to balances or payments on his behalf.
I was not present or did not authorize consent for the use of my credit. My credit score, per the three credit bureau 's, was negatively impacted by the opening of the card, holding a high balance on the card ( which had been paid in full ), and the closing of the credit card. It dropped roughly 20 points.
This is particularly concerning, especially as I became aware of this credit card after I was alerted via my XXXX XXXX and XXXX accounts. I don't know how any company can assume that I would consent to having my credit being used without my knowledge or understanding that my name was being included on the card in the first place from a party other than myself. My father tried to resolve the issue by speaking to Capital One and XXXX, but was told that it was in the fine print and that he should have been aware of a new credit policy change on the matter. Not only is this misleading, but proves to show that there is no safe guarding of an individuals financial record. What is to stop someone from adding your name onto their account without your prior knowledge. Even worse, what if they then proceed to not make payments on that card and you find out later that your credit score suddenly had dropped out of no where. What if you didn't monitor your credit as closely as I have and found out when trying to buy a house that this was preventing you from qualifying for a better interest rate? Why should you, a person who did not consent, authorize, or have prior knowledge of this credit, have your financial well-being negatively impacted? I would hope common sense would prevail here.
Therefore, I ask that you to please remove all instances of this credit card ( opening, balances carried, and closing ) off of my credit report. I spoke with my father and he has provided me the card number and their contact information, which I have listed below. It my understanding that all balances were paid on time and that is not the concern of I am writing to you today. However, I am questing whether these credit practices that these companies employ, such as XXXX and Capital One, are ethical or practical in the sense of their duty to safe guard and protect consumers ' financial well-being and record.
Capital One Card Number : XXXX XXXX XXXX XXXX Tel : XXXX My personal and contact information is as follows : XXXX XXXX XXXX SSN # XXXX Tel : ( XXXX ) XXXX email : XXXX My father 's contact information is listed below. Feel free to reach out to him as well : XXXX XXXX XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXX
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12/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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This matter is with my Walmart account which appears to have been taken over with by Capital One Financial Services under an account ending in XXXX. I have added this account over 10 years without any issues whatsoever and on XX/XX/2022, after checking my email, I noticed that a Capital One-Walmart email is in my inbox claiming that I missed such payment for the month of XX/XX/2022 when I never received my credit card statement for the month of XX/XX/2022 - XX/XX/2022.
I immediately called in to Capital One-Walmart to address the issue and to report that I never received my Capital One-Walmart 's statement for the month of XX/XX/2022 and I never received any notification by text or any other alerts to notify of any issue or problems or a payment that is due in the next seven days.
If I would have received such I would have immediately set up or called in to address the issue or concern in regards to this account should be on an automatic payment until the balance is fully paid in full.
I normally don't carry a balance on this account anyway and Capital One and Walmart know that this account is usually a XXXX balance account and know that I have never had any issues or problems in making my payments on time.
This rude lady that took over the call that call herself a manager made a statement that Capital One-Walmart only waives one past-due charge. I immediately ask to receive such a statement in writing and after asking for such documentation to support such statement she recants her statement and tried to come up with another excuse. I kindly told this lady that I never received my statement and that I don't have any issue or problem with my mail and even if I did, it is still not my fault or concern. She and Capital One should be addressing such with the United States Postal Service and not me.
I clearly told her that I hope that the conversation is being recorded for I will be filing a complaint with this agency to express my grievances.
She is acting as if such {$28.00} in late fees can not be readjusted due to the fact of never received my statement in the mail. If I don't receive such, I am not obligated to pay anything to anyone until I get my full statement and be given enough time to look over my statement and the right amount of time to pay for whatever charges, I am responsible for.
This is clearly in violation of the Federal Debt Collection Act ( FDCA ) which brings me to this point to file this complaint because Capital One is trying to take advantage of people and charging and overcharging people for something that is beyond their control.
In Capital One-Walmart 's answer or response, I want to see their policy in nature so they can only waive only one past due fee and I want to see such regulation or policy saying they are not responsible for statements not arriving to customers at a timely notice and such customer should still make an effort to contact Capital One-Walmart in regarding any account even when the balance is normally a XXXX balance.
I am not willing to accept anything other than PROPER PAPERWORK to show and support their actions in this matter.
XXXX XXXX Account Ending XXXX
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06/05/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American |
1. Please provide the actual credit card contract upon which your complaint is based on.
2. Please provide a contract, agreement, assignment, or other means of demonstrating that the plaintiff has the authority and was legally entitled to collect on the alleged debt.
3. Please furnish reasonable proof, such as an original, or copies of the assignment agreement or assignment agreements, transferring the alleged contract and/or account in question from Capital One Bank over to XXXX XXXX XXXX to show an assignment has been made and that XXXX XXXX XXXX are the real party in interest.
4. Please provide a copy of the assignment between XXXX XXXX XXXX and Capital One Bank.
5. Please provide evidence /proof of Defendants alleged debt to Plaintiff, including specifically the alleged contract, between Plaintiff and Defendant or any other instrument constructed solely for the purpose of creating a loan agreement between Plaintiff and Defendant bearing Defendants signature and/or please produce the contract that legally requires the defendant to pay the amount entered into complaint.
6. Please provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the state laws that the agreement and account are governed plus other important facts.
7. Please provide copies of the amount paid and/or the consideration due for the alleged contract/account.
8. Please provide evidence of authorization of Plaintiff to do business, create loans, issue or extend credit, collect debts and/or operate in the state where Plaintiff conducts their business.
9. Please provide evidence of authorization of Plaintiff & Attorney to do business, create loans, issue or extend credit, collect debts and/or operate as a financial business in the State of California.
10. Please provide a document or document ( s ) that proves you did send Defendant a notification of assignment of the account or assignment of rights.
11. Please attach any and all notices sent to Defendant by Plaintiff in regards to this account demanding payment.
12. Please attach copies of all statements generated while this alleged account was open with Plaintiff.
13. Please attach a complete and accurate history of the interest charged on this alleged account with Plaintiff. Show the exact dates those interest rates changed and list the various rates that were charged during this debt.
14. Please attach any and all notices sent to Defendant by Plaintiff announcing changes in interest, fees or penalties and/or the terms of this alleged debt.
15. Identify each Credit Reporting Agency ( credit bureau ) to which Plaintiff reported Defendants debt and the dates of each such report.
16. Please provide the original dunning letter that was sent to Defendant.
17. Please attach any and all notices sent to Defendant by Plaintiff in regards to account announcing transfer and/or assignment of credit card account from Plaintiff to any collection agency or collection attorney.
18. Please attach a copy of the agreement with Plaintiff that grants XXXX XXXX XXXX Attorney ( s ) the authority to collect this alleged debt.
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03/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Account was closed. I had this account opened a long time ago and purposely kept it in good standing. I kept this card in good standing all these years. And it really helped my credit score. At the beginning of XX/XX/XXXX I began looking at my credit report. I was trying to bring up my score so that I could buy a house. I was going to request a credit increase on this card. I could not find the card to do this request online so I called XXXX.
There is an automated recording. I put in my social security # and it asked me to identify which card I was calling about ( I have another card with them ) I put in the option for card ending in # XXXX which represents the account I opened in XX/XX/XXXX. The automated message told me that a new card was being sent to my house. I was very excited and was waiting for the new card. When I did not receive it I checked online to make sure my address was correct, which it was. ( I had changed apartments in the same building about 4 years ago and wanted to be sure it had been updated ) I did not receive the card.
Well I just checked my credit score yesterday and they closed this account only two weeks after I got the confirmation they were sending me a new card!!!! It dumped my credit score 100 points! This is my longest running and kept in good standing card! If they were going to close my account they should have notified me and not told me they were sending me a new card! I would have used the account had I known this was an issue!
I was on the phone all morning regarding this account! I was disconnected 8 times and had to start over, each person telling me they could not help me and that the closure was permanent! Finally one nice lady helped me and told me she would put in a request to re- open the account. I am terrified it wont work!
Please help!!!!!
They should not be able to close my account without trying to notify me of their intent. They stated they closed it because of " lack of use '' which was true, I did not use it. If I had been warned I would have used it. In fact I intended to use it which was why I was requesting a replacement card. I was also going to ask for a credit increase which I should have qualified for.
Please help me! their decision to close this account despite telling me they were sending me a replacement card has ruined my chances of buying a house this year. It will take me years to rebuild the 100 points that were dropped from my credit score in their one callous action! I am terribly distraught and sad and horribly ruined by this credit card companies actions. Please reopen this account and send me the replacement card as they said they would at the beginning of XX/XX/XXXX.
PS.
If I call the XXXX number today. If I put in the account number for this account today, The automated message still says my new card is on its way and asks me if I want to activate the card they mailed to me!!!
Please help!! I am desperate to reinstate this account to its previous 7 year of on time payment glory.
Capital one card XXXX $ max balance opened XX/XX/XXXX/ closed XX/XX/XXXX Account was in good standing for all these years until it was closed unexpectedly.
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03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX . This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines.
Sincerely, XXXX XXXX
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02/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Hello. I went online to find a 0 % interest credit card. I found one on Capital One 's website. I read the rates and disclosures to make sure there were no stipulations on the 0 % interest. It states : 0 % introductory APR for the first 15 months that your account is open. After that, your APR will be 14.99 %, 20.99 % or 24.99 %, based on your creditworthiness. This APR will vary with the market based on the
Prime Rate. I would not have applied for the card if it was not guaranteed. I was specifically looking for a card that had 0 % interest rates. After charging on the card, I noticed the charge of interest on my card.
I called customer service and was told that my interest rate is even more than the rates stated for after the 15 months. It is 26.99 %. I asked to speak to a supervisor. I explained the situation and she told me that it was in my cardmember agreement.
I would not have applied had it said that the 0 % interest rate had stipulations. I had just under 800 on my credit score when applying so I wasn't concerned on the approval. I also hadn't applied for a credit card in years so that wasn't an issue either. I admit I didn't read the agreement before charging on the card because I had read the information before applying so I never imagined it would be different. Live and learn.
She was telling me she was on the website and where I could find the information. I was asking her to go to where I was at on the site and she said it didn't matter where I was at because she was on capital one 's site and saw the info. I explained I too was on the site and was reading word for word on their site and that the matter needs addressed. She didn't care. I asked the supervisor to speak with someone about the website or a way to send a screenshot of exactly what I was seeing and she said there was no way to contact anyone higher than phone support supervisor except by a fax number or by mail to address my concerns. This is why I am writing here.
I was a customer of Capital One for years and always paid my payments on time. I had a credit score of over 800 until capital one closed one of my accounts for non-usage which brought my score down because of the lack of credit available and having a balance on another credit card for the first time in 20 years because I have lost my job. I still have a score of over 700 and am working any contract I can find to get my debt paid off to get my score back up over 800 because I have always been diligent to have excellent credit.
Credit card companies should not be allowed to take advantage of people like this. It should be clearly stated on the application site under the rate and fee information and it is not. I am attaching the screenshot of exactly where I read everything on the website.
It is completely unfair that credit card companies have all the power to just close accounts and XXXX up people 's credit. It should be against the law to entice people to apply for a card without letting people know if they qualify for the terms stated until after they apply. And with this situation it doesn't even state that there are stipulations on the 0 % interest which is even worse.
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08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT CAPITAL ONE Credit usage 100 % Balance {$3000.00} Balance updated XX/XX/XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - XXXX - - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Highest balance {$3000.00} Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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05/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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( This is for 2 accounts ). On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Capital One Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Capital One Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Capital One Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Capital One Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Capital One Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Capital One Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Capital One Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
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08/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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For over four years we have communicated with Capital One Short Sale Department for a short sale for our real property. Most recently we commenced the process again in XX/XX/XXXX. All documents including the financial worksheet, 3rd party authorization, short sale package, XXXX Listing agreement, offer and binder for sale of the property were provided. Capital One Short Sale Department was contacted on XX/XX/XXXX ( fax listing agent, 3rd party authorization ) XX/XX/XXXX ( XXXX Listing and shortsale package by email ), XX/XX/XXXX ( called ), XX/XX/XXXX, XX/XX/XXXX ( XXXX Capital One, and XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) ,XX/XX/XXXX sent the graceful exit forms ( XXXX ), XX/XX/XXXX ( XXXX ) , XX/XX/XXXX, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX ) credit authorization form sent and completed all documentation for XXXX and XXXX the third party providers of Capital One and they stated that they were going to list and auction the property, XX/XX/XXXX Listing addendum sent, XX/XX/XXXX ( XXXX ) , XX/XX/XXXX ( XXXX and XXXX ) ,XX/XX/XXXX changed locks because of breaking into the home and police called, reported to Capital One, XX/XX/XXXX ( XXXX ) home declared noninhabitable by Town of XXXX letter sent to Capital One, XX/XX/XXXX spoke with XXXX of Capital One , XX/XX/XXXX XXXX contacted because the Capital One Third party provider changed locks and removed the padlock installed by the Town of XXXX. XX/XX/XXXX Contacted home preservation department and spoke with XXXX to cease and desist entry into the property. XX/XX/XXXX Capital One grants conditional approval letter on XX/XX/XXXX stated XXXX and that the file was with XXXX the shortsale underwriter. XX/XX/XXXX Appraisal of the property delivered to Capital One and it is reported that within 7 days that XXXX would list the property and that if the auction bid was completed the property would be sold. XXXX has delayed the listing after receiving all documents and over two weeks have elapsed without any listing. XXXX ( XXXX XXXX account manager ) and XXXX refused to accept the XXXX Listing with photos and continuously finds excuses to reject the documents and photos such as every picture should have a detailed description which is not a condition of Capital One Short sales department. Capital One Short Sale Department assured us that we would be able to complete the process within 7 days with their third party provider and be able to move on with the sale of the property. There is no obligation or written agreement that the homeowner provide 15 photos of the home in order to complete the shortsale especially when the bank performed a BPO and has all the pictures of the home that they need that they can provide to XXXX and XXXX. They have not acted in good faith and continue to find ways to delay the process.For over four months XXXX failed to list the property and requested documents again and Capital One allowed them to delay our shortsale. I am tired and very frustrated and in desperate need of government intervention as they abused their authority and made things entirely difficult to shortsale the property. They have put me through four years of misery.
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08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/2021 Capital One/ Neiman Marcus XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Neiman Marcus Group LTD LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Neiman Marcus & Capital One , Thank you for receiving this message. I have always had a good standing account with your company and usually always made the full payment or half payment every month. The Account is XXXX The last few years I took a big hit with the business as my newest XXXX was closed 2 months after the pandemic hit due to the location being above a restaurant. I sold my home and scaled everything down but I always made my payments on time. I did what I had to do to keep employees and ourselves above water.
I am trying to continue to do the right thing but I am upset that a recent 30 day late remark for XXXX was placed on my credit profile. I wrote into Capital One and even filed a complaint with the CFPB, but I got a reply back that my request was denied.
I have spent over {$50000.00} with Neiman Marcus in the last 3 years and been a valued customer to your store. And I have always cleared my accounts with your financier Capital One in which they have made interest money off of me.
In XXXX, even though things got very tight, I phoned into make my payment. The payment of the minimum due was {$870.00}.
For some technical reason, your system made a huge error and processed this as {$8100.00} There was not enough funds for this error in my account, and the payment was returned from the bank. I made my payment on time, its just your phone system processed it incorrectly. I have enclosed the original statement enclosed. Then your company flagged me as 30 days late.
Moving forward, the SBA has granted our business an extremely needed loan. My personal credit score has been compromised because of your companies technical error, and I have to bring up my credit score in order to grant the loan and keep us in business. I have never, ever, been late in the more than 3 years I have been a Neiman Marcus Capital One Customer. I am shocked that you would deny my request when so many creditors are protecting victims of the coronavirus by standing by principles under the CARES ACT.
I truly hope you look into this unfortunate circumstance and help fix this so I can continue with my business loan and make larger payments back to Neiman Marcus.
At this time I am excited to keep going and keep pushing. However, my credit score has been affected from your company reporting. The SBA qualifies the business for the loan, but I need to pull my personal score up. This has been truly the hardest few years of my life and we desperately need the funding to continue on.
Under the Cares Act, many lenders helped people by forbearing their account. I never expected Neiman Marcus to do that but I am asking you if you could please remove the late remark on my account. You can clearly see that I attempted to make the payments. And you can see that I am back on track now.
If you could please look into my account and apply the Cares Act principals and delete that remark.
Reported Month XX/XX/2021 Thank you for your time and consideration.
|
09/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
On XX/XX/18, I went to see my doctor because I had a XXXX XXXX XXXX XXXX XXXX around the XXXX XXXX of my XXXX and I was informed that I needed emergency XXXX XXXX XXXX. I never went back home. On XX/XX/18, I had that same emergency XXXX XXXXXXXX XXXX and that same night I was rushed back to the emergency room because I had developed a very bad and XXXX XXXX XXXX in my XXXX XXXX and I was XXXX larger amounts of XXXX than expected in my XXXX. Ive also lost an unexpected, alarming and unexplainable amount of weight since XX/XX/18. Combined with my other medical conditions and upcoming surgeries Im definitely not in a very good state of health right now. Til today Im still recovering. Since the morning of XX/XX/18, until now, I havent been able to conduct any of my regular personal or financial duties and Ive fallen into a bit of a unexpected temporary financial hardship but Capital One Bank 360 doesnt want to reverse any of the overdraft fees my Capital One Bank 360 checking account has received from XX/XX/18, to the present. I called in and even before I gave the Capital One Bank 360 800 customer service representative any of my Capital One Bank 360 checking account information, I quickly explained my health related information to the Capital One Bank 360 800 customer service representative and she quickly told me that health or medical related issues, even emergency life threatening ones werent considered bank related errors so that she couldnt fully understand nor comprehend why I was calling Capital One Bank 360s 800 customer service in regards to the overdraft fees, my Capital One Bank 360 checking account had received from since I fell ill on XX/XX/18, to the present. I got so upset that I just hung up on her. Part of my XXXX XXXXXXXX was cut into and removed, Im still XXXX heavy XXXX in my XXXX, I now have a XXXX XXXX XXXX in my left XXXX, Im in a lot of constant pain and always very weak. I can hardly think, walk, talk, sit, bend, eat, lay down, stand or use the toilet. Im basically bed-ridden and the Capital One Bank 360 800 customer service representative was giving me a very heartless and careless felt insulting hard time even before I gave her any of my Capital One Bank 360 checking account information. When I spoke with both my attorney and medical case worker during a conference call, my attorney and medical case worker quickly directed me to file this complaint and my medical case worker also quickly reached out to several consumer protection groups and two of those consumer protection groups in particular have informed her that theyre going to send each and every medical establishment Capital One Bank does any form of financial business with my story. Yesterday afternoon my attorney and medical case worker called me and they conferenced me in with more than five different investigative units of several national and local news media outlets, the media outlets all wanted to know about all of my medical conditions, future surgeries and the Capital One Bank 360 overdraft fees in question here.
Ill also be faxing all of my supportive medical documentation and this complaint to your offices at CFPB.
|
05/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
We purchased a " luxury '' junior XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Some of the items they state on their website that you will receive are below.
Air Conditioning - Ours did not work Satellite Television - Did not work Slippers and robes- We did not receive them Hydromassage bathtub with shower - ours did not work Sofa bed -.There was no sofa bed Iron and Ironing board - None was provided Unlimited XXXX XXXX dinners in specialty restaurants per week of stay ( reservation and formal dress required ) - Restaurants did not adhere to their own dress code 24-hour free WI-FI throughout the hotel - Did not receive 24-hour WI-FI - it was very sporadic So, essentially we did not receive what was purchased. During our stay we lost power to our room on XXXX different occasions. For three days out of eight, we did not have any hot water in our room. Our door did not lock to the exterior of the building so, we had to put a chair there to secure it. We had a water leak from a room above that leaked onto our bathroom counter causing our personal items to be floating in water from who knows where. We had a mold issue after that, which caused asthmatic issues resulting in us having to move to another room. The list goes on and on. The merchant did not work with us on anything. Complaining to them did us no good, as there was a language barrier and essentially, since the trip was already paid for, they seemed uninterested in assisting us. We attempted on several occasions throughout our stay to get assistance with the issues with our room/stay. When room cleaning came to our room, instead of replenishing things, they seemed to remove and not replace. We had no hand towels, when we complained about that, we got hand towels and they removed the floor towels. We asked for slippers and robes, ( these were supposed to be supplied to each room ) we never received them. We were advised by ( XXXX - manager ) that there is nothing more that they can do for us. They provided very little or no customer service at all. And there was nothing luxury about this location. We did not receive the services/goods that we purchased.
I've called and talked to supervisors on two different occasions at Capital one and I was told that I need to go to another hotel/resort and have them write a letter on my behalf, even though they don't have any idea who I am, or what my issues were, but they are supposed to write a letter for me on their letterhead stating what the merchant did wrong and how much it would cost to fix the issues. This is absurd. No company is going to write me a letter when they don't know who I am or what the issue is. Also, the document that Capital One has sent me, states that there is an optional third party letter, but Capital One is stating that this is required for us to dispute this.
Our purchase date was XX/XX/2022 for travel XX/XX/2022 through XX/XX/2022. Total purchase price was {$1800.00}.
Cancellation policy is 100 % free cancellation XXXX or more days prior to arrival for a full refund. ( Clearly, we would not cancel prior to arrival, because we were under the impression we would receive what we purchased )
|
03/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
All dates are approx.
In early XX/XX/XXXX I applied for a personal credit card with Capital One, NA ( " CO '' ). The application was done entirely on line and no documents were provided. The card was approved and issued almost immediately with ( I believe ) a credit line of {$21000.00}. The card was used sporadically for a year and the balance paid upon receipt of the monthly statement.
In early XX/XX/XXXX CO offered, by email, to issue a second card to an authorized user. I completed the application process and was notified before XX/XX/XXXX that the additional card had been approved and would be mailed to me at the address I included on the authorized user application. To date the card has yet to be rec 'd although, in multiple telephone conversations in the last 4 weeks, I have been told that the card was mailed twice to me.
By a letter dated XX/XX/XXXX but rec 'd almost three weeks later ( in part because CO mailed it to an incorrect and dated address ) I was advised that my credit line had been " placed on hold ''. I contacted CO at the telephone number on the form letter. This would be telephone call # 1. That contact was with a person who was unable to help me, but because it was Saturday when I called the contact suggested I call back during " regular business hours ''. Contact # 1 did affirm that the authorized user card had been mailed and that she would have a second card issued to replace the absent card. I called CO again the following week in telephone call # 2. In the second call I managed to, eventually, speak with someone who claimed the title of " manager ''. Both people with whom I spoke in call # 2 insisted that I provide additional documentation to establish that I was the cardholder ( i.e., XXXX XXXX ). The additional documentation included a government issued photo ID showing my current address, and which I explained was a document which did not exist. ( Ironically, it also did not exist when I originally applied for the card in XX/XX/XXXX. ) Because I was unable to establish any rational dialogue with the " manager '' during call # 2, and because the women with whom I spoke said her supervisor did not take telephone calls, I requested that the unknown supervisor contact me within the promised 24-48 hours. That call was never rec 'd.
On XX/XX/XXXX I called CO a third time. On this occasion I spoke with multiple people and including another " manager '' who insisted that I had to provide documentation which, as I patiently and repeatedly explained, did not exist. Between call # 2 and call # 3 the situation grew more offensive, however ; at the time of the second call to CO I was owed some unknown amount of reward points. By call # 3 I also had a positive balance on my CO card because of a credit from a retailer.
CO now insists that it will not answer any questions about the card, sums due to me, or a refund mechanism, and apparently plans on simply sitting on the frozen account for an interminable period of time. There is no contact with whom I have spoken, in approx. 2.5 hrs of telephone conversation, who seems interested in addressing this CO-inflicted and created situation.
|
06/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
Transaction Date : XX/XX/2022 Disputed amount : {$300.00} ( charged on my Capital One " Savor One '' card ) Capital One Dispute # : XXXX I rented a car from XXXX rental car in XXXX XXXX NV on XX/XX/XXXX ( XXXX Rental Agreement # : XXXX ) and returned it on XX/XX/2022. Upon picking up the car and going to the counter, the associate at the desk told us that we were required to add a collision damage waiver to the rental since it is " Nevada law. '' We found out after the fact that this was a lie told to us to add this charge onto the rental when I already have car insurance and provided that information. Upon returning the car in perfect condition, someone from XXXX approached us with an iPad and told us to sign to return the car. I found a charge on my Capital One account for {$300.00} after the fact and was not told I was going to be charged this amount in the first place. I was never sent any sort of invoice, receipt or bill for what these charges were for and XXXX clear and utter deception on their part for both pickup and drop-off constitutes a refund on this charge.
What I did to resolve the conflict : I called XXXX to determine what the charges were and to dispute them, however the customer service representative told me that there was nothing they could do since I had already signed it. I signed on the iPad not knowing that this meant I was consenting to charges I never consented to. After contacting XXXX, they had said that we left the car in the same condition as we left with it ( email correspondence is attached ). I kept asking for a copy of my receipt for the ~ {$300.00} charges, but they did not send one in this correspondence. After some back and forth, XXXX eventually stopped corresponding with us.
I filed a XXXX complaint to XXXX and was finally able to receive a receipt for the charge, but the number on the receipt does not even line up with the charge on my account, and with no explanation. XXXX has refused to issue a refund.
XXXX Case # : XXXX XXXX ID or XXXX # : XXXX With XXXX refusing to help, I additionally attempted to dispute this charge with Capitol One. They asked me to provide more information, including various documentation and our interactions with XXXX thus far. My case was closed due to vague information provided by XXXX to Capital One. I've since had our case re-opened three times, sending over the same documentation when Capitol One requested it, but each time, they've done the same thing : closed the case without any further options. This has taken up enormous amounts of my time and it's been extremely disappointing that Capitol One would simply not do what's right and remove this charge from my account. Capital One should be protecting their cardholders from malicious and deceptive business tactics, and in this case they have not done so.
Attached Documents : -Email correspondence with XXXX XXXX at request from Capital One after initial phone conversations with XXXX did not help ) -Documents received from Capital One regarding dispute XXXX Receipt for the charge with is incongruous to the charge on my card. No explanation of any of these charges has been provided.
|
07/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
XX/XX/2018 To Whom It May Concern : I applied for a Capital One Visa on XX/XX/2018. I received an email on XX/XX/2018 staying my new card has shipped. I received the card on XX/XX/2018 for {$8000.00}. The evening of XX/XX/XXXX I logged onto capital.com/activate to activate the Quicksilver Visa I received. I had to set up an account, creating a User ID ( email address ) and password. In order to do that I had to provide my last name, social security number and birth date.
When I logged in I entered the credit card number and the three-digit pin on the back of the card, then I hit activate. Right than it stated there was an error and I need to call Capital One. While this was going on I was chatting with a Capital One agent. I told her what was going on at that time and she stated she would make a note on my account and I would have to call Capital One. She said make sure I referenced that I had spoken with her. The number I called was ( XXXX ) XXXX.
I got a Capital One agent that was really rude and nasty. She was the second person I had spoken with on the phone in regards to getting this card activated. The first person couldnt help me and transferred me to rude nasty unprofessional agent, XXXX ( 2nd person ). I dont understand how she got her job because she was very unprofessional. Nevertheless, she asked me for the credit card number and the three-digit code on the back of the card. After that she asked me for my social security number and my date of birth. She put my on hold and then came back a few minutes later and said I didnt pass the verification process. She said I would need send in my social security and bank statement. I told her how did I not pass when I gave you the card number Capital One sent me, my social security number and my birth date. She got even ruder and I asked for a manager.
I told her no I would not be sending in either one of those and I wanted to speak with a manager. The manager gave me the run around as well. When I told the manager I was now recording the conversation just like Capital One was he hung up on me. I applied for this card on XXXX XXXX. Capital One didnt say I would need my social security card or bank statement before I applied for this card. Neither did they say it before they send me out a {$8000.00} credit card. I have never had to send my social security card or bank statement into a credit card company. I didnt provide Capital One with
my Drivers License and Utility Bill. I would like these documents purged from Capital One records and never used for anything.
This incident has shown me ( the consumer ) that Capital One is a fraudulent company and I dont appreciate the way they do business. I would like Capital Ones inquiry removed from my credit report and all my information purged from their database within the next 2 weeks. I would like my 30 points put back on my credit report. Capital One doing a hard inquiry on my credit report dropped it significantly. I want the inquiry removed. This is a pathetic and fraudulent way for a company to get try and get peoples social security cards. I would like this corrected immediately.
Unsatisfied Customer,
|
10/04/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
I have linked an external bank account with my Capital One account. During that process I had to verify the external account through Capital One by trial deposit, which was successful, I also made a few transfers with no delay. On XXXX I initiated a transfer of {$1000.00} from Capital One to the external account. I received a confirmation that it would be completed by XXXX. Shortly after I received a call and an email from Capital One regarding the transfer. The email informed that my external transfer had been suspended. I immediately called Capital One to rectify the issue. I spoke with an agent that told me there was no longer a suspension on the account and the funds would be available to me on XXXX. On this date the funds were not available and I called them back. At this time I was informed the funds would be available to me on XXXX. This also did not happen. I called again and was told that everything was fine. Later I was told that the transfer had been reversed. I called again and spoke with an agent and a supervisor asking why the transfer wasnt processed and was told, I hadnt called in time for the fraud dpt to verify the account. By this time I had called at least 4 times. I asked the supervisor if he would be able to expedite the transfer because at this time I was receiving bounce check fees from the other bank. He told me he couldnt and I would have to reschedule the transfer. What he hadnt told me was that Capital One had removed my external accounts from my profile which made it impossible to schedule a transfer. During the call in which I spoke with a manager I asked to have a letter written on my behalf from Capital One explaining this was a bank error and that they refund me the fees I was charged from the external account. He told me he would have to escalate the situation and upon review of the previous recorded calls they would make a determination. I received a call from their escalations team in which I was told there would be no refund or letter. I asked the agent if the previous calls were pulled and taken into consideration before the decision. She informed me the decision was made based on agent notes and the calls were not pulled. I have made every possible attempt to have this transfer processed in the timeframe the bank promised. I have called almost every day of the week of this transfer to rectify and was not told until after the date the bank promised that there was still an ongoing issue. I called specifically requesting to speak with the fraud dpt and was assured that there was no need to do so. Capital One has failed to provide a reasonable explanation as to why their agents were unable to identify that there was an ongoing issue or that the external accounts were removed from my profile when a supervisor instructed me to reschedule the transfer. This has caused me undue stress, aggravation, time spent trying to resolve and now my financial reputation is being tarnished at my new financial institution with no offer for correction on my behalf from Capital One as they have dropped the ball and expect me to pick up the fees and unwanted negative standing with my new bank.
|
03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am a victim of synthetic identity fraud and have been for the last 6 years and have been fighting and disputing these fraudulent accounts that have been opened ( and subsequently proven fraudulent ), then closed and reopened ( twice in XXXX, then twice again in XXXX ). The same offender has stolen my social security number ( SSN ) and opened up fraudulent accounts with Capital One ( banking, credit, and participating stores ) multiple times, using the same alias.
Capital One is a horrible, unethical institution that has been awful and keeps allowing these fraudulent accounts to be opened despite their promises to flag the fraudulent profiles ( the fraudster continues to use the same alias ) and this has allowed synthetic identity fraud to occur with the same outcome each time ( I call with XXXX and they refuse to close it, it's proven fraudulent, they say to mark the file to prohibit the same thing from happened and it re-occurs ).
In XXXX, I filed a police report on XX/XX/XXXX ( can provide documentation ), a complaint with the FTC, opened up a restoration case with XXXX and legal assistance. Another account was opened immediately following closure despite their assurance that the account had been closed and the alias flagged ( my own identity is frozen, with theft protection ). Again, this occurred in XXXX ( in which I filed an additional police report XX/XX/XXXX ). Each time Capital One has been unhelpful and after calling their department, each rep provided me with conflicting information on what the proper steps were. Each time I followed up with the three credit bureaus.
On XX/XX/XXXX, I recieved another application alert from XXXX, again from Capital One, that was used to fraudulently apply for a credit account with my SSN that I did not open. When I called with XXXX to resolve this, they told me that the application was approved and that a new account was opened. When I asked whether the name on the account was this alias ( each time Capital One has sent a letter to me with the fraudulent name on the letter head so I know the name ) and they were able to confirm that yes, there was a match on that name. The fraud division ( XXXX? XXXX told me I had to take certain steps, which I did and it wasn't resolved. I called back with XXXX XXXX more time and another person in the fraud division ( XXXX, who was helpful ) outlined different steps. Still not having this resolved, I did call XXXX on XX/XX/XXXX and went through the same steps, this time with another person ( XXXX ) that lied and said that no account was opened after the applications department confirmed it was. Then, a restoration case was opened with XXXX, a police report filed and again, we called Capital One a fourth time ( spoke with XXXX XXXX XXXX to be told a completely different plan to action and said to call the SSN Administration ( I did, and have continuously over the past 5 years and again, this has been proven to be identity fraud ). I am completely appalled that Capital One continues to let these accounts be opened after proof has been provided and legal action taken to close these accounts and these aliases proven fraudulent.
|
06/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
1. Please provide the actual credit card contract upon which your complaint is based on. 2. Please provide a contract, agreement, assignment, or other means of demonstrating that the plaintiff has the authority and was legally entitled to collect on the alleged debt. 3. Please furnish reasonable proof, such as an original, or copies of the assignment agreement or assignment agreements, transferring the alleged contract and/or account in question from Capital One Bank over to XXXX XXXX XXXX to show an assignment has been made and that XXXX XXXX XXXX are the real party in interest. 4. Please provide a copy of the assignment between XXXX XXXX XXXX and Capital One Bank. 5. Please provide evidence /proof of Defendants alleged debt to Plaintiff, including specifically the alleged contract, between Plaintiff and Defendant or any other instrument constructed solely for the purpose of creating a loan agreement between Plaintiff and Defendant bearing Defendants signature and/or please produce the contract that legally requires the defendant to pay the amount entered into complaint. 6. Please provide the original or copy of the account agreement that states interest rate, grace period, finance charge, assignment, and specifically the state laws that the agreement and account are governed plus other important facts. 7. Please provide copies of the amount paid and/or the consideration due for the alleged contract/account. 8. Please provide evidence of authorization of Plaintiff to do business, create loans, issue or extend credit, collect debts and/or operate in the state where Plaintiff conducts their business. 9. Please provide evidence of authorization of Plaintiff & Attorney to do business, create loans, issue or extend credit, collect debts and/or operate as a financial business in the State of California. 10. Please provide a document or document ( s ) that proves you did send Defendant a notification of assignment of the account or assignment of rights. 11. Please attach any and all notices sent to Defendant by Plaintiff in regards to this account demanding payment. 12. Please attach copies of all statements generated while this alleged account was open with Plaintiff. 13. Please attach a complete and accurate history of the interest charged on this alleged account with Plaintiff. Show the exact dates those interest rates changed and list the various rates that were charged during this debt. 14. Please attach any and all notices sent to Defendant by Plaintiff announcing changes in interest, fees or penalties and/or the terms of this alleged debt. 15. Identify each Credit Reporting Agency ( credit bureau ) to which Plaintiff reported Defendants debt and the dates of each such report. 16. Please provide the original dunning letter that was sent to Defendant. 17. Please attach any and all notices sent to Defendant by Plaintiff in regards to account announcing transfer and/or assignment of credit card account from Plaintiff to any collection agency or collection attorney. 18. Please attach a copy of the agreement with Plaintiff that grants XXXX XXXX XXXX Attorney ( s ) the authority to collect this alleged debt.
|
08/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
Good Day, I am filing my complaint because it's the only way I know to address all Involved. I plan to highlight copy and paste 5 times over and hope that all parties get together and find out what is going on. I opened a credit card account with XXXX XXXX XXXX in or around XX/XX/2019. The only Time I have ever had solely my own Credit Card. The intent was to better my Credit Score because I wanted to Move. On XX/XX/2019 I opened a account with Capital One. Every scenes I have had the Card I have had more problem 's befall me. It was Capital One that alerted me that my personal information Maybe on the Dark Web. I specifically ask and want to know Is XXXX XXXX, who opened a account with you on XX/XX/2019 am I a direct victim of the security Breach? I want something in writing that tell 's me that Please. Twice already I have had alert 's from Capital One that XXXX took 35 point 's off My Credit Score XX/XX/XXXX and XX/XX/XXXX. And again Yesterday the XX/XX/XXXX. 170 point 's. I have been getting telemarketing call 's another one about an hour ago. I will be filing another complaint with the Do not call registry. I received email 's one asking why am I sending these photo 's suggesting it some form of XXXX. I have in my spam email two email 's stating my order 's need to be confirmed. I have no idea who it is or what it is. I didn't even open them. I have on facebook a man messaging me telling me XXXX, Has my Information. I was given a alert from Capital One that mentions XXXX and my XXXX account and my password. I emailed XXXX which I have not been on in year 's and asked them to delete any information on me. I then get a email hour 's later from Gethuman.com they emailed me and asked did myspace take care of the problem? I emailed them and said who are you and how did you know I sent myspace an email or what the content was about? They never answered. Capital One also gave me a alert Who Is XXXX? They to with my XXXX and password. I change my passwords every three day 's. If any of the credit agencies have other names or addresses for Me. They'er bogus. I have lived in XXXX County XXXX GA for year 's. Dose XXXX Have a Office in XXXX? Property companies usually ask for the proof to show you can pay three time 's the monthly rent. That is why I wanted my score better. I am jumping through every hoop I can And you keep destroying my chance 's. In closing I am directing these comments to Capital One.I am due for a review in a few month 's and my credit as of yesterday XXXX XXXX was good XXXX. It was my intent to request a Higher credit limit I know you base your decisions a lot on the Score But because I am being attacked I have no Idea where my score will be tomorrow. You are the only lending company to have faith in me and give me a credit line without asking me for a deposit. I have made and always will make my monthly Payment 's And I do not mean the Minimum. For XXXX, XXXX, and XXXX, I want to know in Short why 170 point 's was taken away from me on the XX/XX/XXXX? XXXX I want to know if you have a Office in XXXX. If you do not I can show you a email I have. CFPB Please direct this one to Capital One.
|
09/29/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
The following credit card companies have not helped me in any way gathering pertinent information to help me with filing a civil suit as well as aiding in helping me with being a victim of identity theft by my husband of 12 years. My husband committing identity theft on me back in XXXX with using my ss # and taking various credit cards out, opened online betting accounts, forging my signatures on the back of these credit cards where he was also allowed to use these cards in retail stores, and used my name falsely to do a change of address through the USPS to avoid me catching him committing acts of identity theft with statements being sent to residences I 've never resided at but his parents did. I recently found out about when he was court ordered to leave my house in XXXX XXXX. I found various documentations along with proof of identity theft against me which I have indicated to each credit card company along with a Police Report, FTC affidavit, Federal Reserve complaint, and having actual proof with texts indicating he committed theft against me without my knowledge or consent. All credit cards are coming up with excuses to not re-open the investigation and not XXXX credit card company is willing to help me because it seems they just want me pay for all charges that I did not consent or know about. My husband also recently committed fraud with filing a joint tax return in XXXX when we were legally separated without my consent or knowledge and deposited a check into an account I did not have access to. I 'm currently working with IRS to take care of this matter. I am also working with USPS for my husband issuing them a change of address listing his parent 's addresses on XXXX occasions from the time I moved out of PA in XXXX. I am listed down as living at his parents house since XXXX and then recently he made a change with listing my legal address at his mother 's current house. I 've never legally lived at either houses. The following are the credit cards I am requesting full statements from since XXXX that I have not been sent other than giving them my legal address that differed from the XXXX they had on file and sending me the last statement to pay their cards. The following credit cards are : XXXX ( XXXX XXXX took over this debt and even they are not wanting to open this investigation ) Capital One - They contacted me to let me know they will not re-open this investigation for XXXX charge of {$140.00} ( the amount owed on this card is {$4100.00} ) and apparently I used my lic. to rent a XXXX. Once I contacted XXXX, it shows on a contract signed by my husband, his license not mine on file. When I contacted Capital One showing them this proof they then proceeded to state we are not opening this reinvestigation because calls were made from your cell phone. I lived with an abuser who easily had access to my phone. They are continuing to make excuses to not open this investigation.
XXXX Bank - They 've stated twice they sent out all statements back in XXXX and again in XXXX. I have not received anything XXXX Card - They keep transferring me and finally gave me an address to write my complaint XXXX XXXX
|
09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
I never received any documentation regarding the reason for improper reporting from any agency. In fact according to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, as well as respect for the consumer 's rights to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to to make sure my private information isn't shared which is in fact backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers as well as to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of the information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states, " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom in which it relates. '' ( Furnisher of information to credit agencies ) the financial institution as well as the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( XXXXurnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option, '' ( Furnisher of information to credit agencies ) I have never been informed of my right to exercise my nondisclosure option. In fact not only that, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information as well as any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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08/18/2015 |
Yes |
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Web |
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I was contacted by phone by a company ( which I initially believed to be Capital One calling ) claiming to lower the interest rate on my Capital One card. During the process I was asked to agree to a fee which they explained would take the place of my existing interest charges on the account, however when they were unable to negotiate with Capital One and I realized they were not actually my credit card service I requested to cancel my transaction. The man on the phone became very hostile and threatened me with collections on the amount k had agreed to pay before. I asked to speak to a manager and demanded that everything be cancelled because I was no longer interested. I was then told that the previous man I had been speaking too would process my request to cancel and during this process he asked questions that I was uncomfortable answering and when I asked why he needed it he said it was so he could complete the cancelation request. I was then told that I was denied a cancellation but had been approved for a card through XXXX at 0 % interest. I became enraged and told them I did not want a XXXX XXXX and had not been told earlier in the interaction that they would be applying me for another credit card. I was told again that I had no choice and could not cancel the transaction. They then called XXXX and instructed me to tell them I wanted a balance transfer. At this point, believing I had no choice and would be charged anyways I did what they asked and ended the transaction. I did not provide them with my bank routing number as they requested and they said they would call back. Immediately upon ending the phone call I contacted XXXX and told them what happened and they transferred me to the Fraud department who assisted me in cancelling the card and balance transfer. Over the next few days I was called consistantly by a blocked number but did not answer the calls. I then received a message on XXXX that on Friday my bank account would be charged approx {$800.00} for their services and was given a phone number to call the manager back. I called back and spoke to the manager who told me that I had no choice but to pay even though I had cancelled the cards and received no benefit. When I told him that I had tried cancelling at the time because I had not been told previously about having to get a XXXX XXXX and did n't want to continue if that was the process. He basically told me it was n't their fault I did n't understand the process and I had no choice because I had made a verbal contract. He said then that my mandatory payment would be sent to a collection agency and would negatively impact my credit score. I have placed fraud alerts on my accounts but do not want to be negatively affected. I believe I was misled into agreeing to pay for a service when they did not dislose the entire process to me initially. I had even been told verbatum that my credit card number would not chance which I why I did not expect a different credit card account to be created. In addition to this I learned after that legitimate companies will not contact you regarding interest reductions like this and I was involved in a scam.
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09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I never received any documentation regarding the reason for improper reporting from any agency. In fact according to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, as well as respect for the consumer 's rights to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to to make sure my private information isn't shared which is in fact backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers as well as to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of the information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states, " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom in which it relates. '' ( Furnisher of information to credit agencies ) the financial institution as well as the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option, '' ( Furnisher of information to credit agencies ) I have never been informed of my right to exercise my nondisclosure option. In fact not only that, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information as well as any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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02/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I would like to open a case regarding the following merchant : XXXX XXXX XXXX XXXX. Date of Transaction : XX/XX/2020. For an initial amount of {$780.00}.
I made a reservation via XXXX for a reservation with this hotel for XXXX XXXX through XXXX XXXX ( file attached : Itinerary_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I checked into this hotel the night of XX/XX/XXXX, approxiamtely at XXXX XXXX. Shortly after checking out, I went to the front desk and I left my keys with the front desk agent. I told him, that I will be checking out due to me feeling unsafe in the hotel. There were homeless, XXXX XXXX XXXX and XXXX that was very evident. I was advised by the front desk staff that I needed to call XXXX to cancel the reservation because I made it directly with them. Also, the front desk attendant told me that he was waiving the one night room/tax penalty and apologized for the inconvenience.
I got in my car and called XXXX to cancel the reservation and opened a case ( XXXX reference XXXX ). During my call, I was placed on hold and they call directly the hotel and talked to the front desk agent who in fact confirmed that I checked out of the hotel, and I was not responsible for the first night of room/tax penalty charge. At that moment the front desk staff said he was going to cancel the reservation, but no cancellation number was provided to me. As a gesture of a good faith with XXXX, I disconnected the call and waited for a refund to take place because at the moment of check in, the ran my credit card for {$780.00}.
That same night I had to make a reservation for two nights with another hotel XXXX XXXX XXXX Seas ( file attached : Itinerary_XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Checking in the same day I was supposed to stay at the other hotel which was XX/XX/2020. I extended my stay in this hotel directly with the hotel for more night ( file attached : Capital OneXXXX XXXX XXXX charges ).
After a few days, I continued calling XXXX to check the status of my refund with no luck. I checked a refund for {$120.00} to my credit card. I immediately called the hotel why they only refunded portion of the total charges. The hotel stated I stayed in that hotel from XXXX XXXX through XX/XX/2020 which was a lie, as I spend my stay at the XXXX XXXX XXXX
Starting XX/XX/2020 I started seeing random charges to my Capital One credit card with random values. There were a total of 22 fraudulent charges for a total of {$2100.00}. I had to cancel my credit card and got a new one. It has been a complete nightmare trying to sort this out.
At this point, there is still {$660.00} pending to be refunded to my credit card and Capital One will not help me because I was not able to provide a cancellation number. I told them they can contact directly XXXX and pull the recording of their conversation with the hotel the night of XX/XX/2020 where the front desk staff confirmed I checked out of the hotel.
This is my last chance of someone making this right. It is evident that this hotel engages in fraudulent activities with peoples credit cards. Should you have any questions. Please do not hesitate to contact me.
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03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I reached out to a Capital One representative via phone after a transaction I tried to make at XXXX XXXX XXXX was declined. Upon speaking with the representative, she informed me my account was over 30 days past due the amount of the current credit card annual fee of {$35.00}. I indicated to the representative that I did not know there was a payment due because I had paid the account down to XXXX several months prior and did not check the estatements sent to me once I confirmed the account was at XXXX. The annual fee was charged in XX/XX/XXXX, the {$35.00} due in XX/XX/XXXX and not paid, therefore, 30 days past due in XX/XX/XXXX. I questioned her why I was not notified a different way, besides the monthly estatements, since I did not make the required payment and it was late. I proceeded to confirm with her that Capital One had my correct email address ( to send me a separate message ), my cell phone number, my home number and my work number, as well as, my current address. No communication was initiated by Capital One to me to attempt to collect this past due payment. It was only when I used the card in XX/XX/XXXX, was declined for the transaction, and then reached out to a representative that I knew the payment existed and was past due. I communicated this information to the representative and she agreed that Capital One should have reached out to me but her records showed no other communication to me besides estatements. I didnt dispute to her that I owed the annual fee payment, and agreed to give her the information needed to make the payment during the conversation and bring the account to XXXX. At that time I asked her if this 30 days past due information had been sent to the credit reporting agencies and therefore going to affect my credit. She confirmed it had been sent and I asked if she would send the reporting agencies corrected information removing the 30 days late given the circumstances I described above, and in conjunction with my good account history with this card, as well as a second card from Capital One I held at that same time. She agreed she would send corrected information to reflect NO late payment ( s ) and completed my payment for the annual fee. On XX/XX/XXXX I contacted Capital One via phone and spoke to a different representative to confirm the late payment information had been sent to correct my credit history and to close this credit card account. It was confirmed the information had been sent and the account was closed per my request. I have since tried to dispute the late payment information via XXXX and XXXX credit history dispute process online and have had no success correcting this late payment information on my credit history. This late payment will remain on my payment history for several more years until the typical seven years of payment history cycles through and it falls off. Until then, it is affecting my ability to gain further credit at this time. Attached is a screen shot of my XXXX credit report info of this credit card account I held from XX/XX/XXXX - XX/XX/XXXX, it shows all but the last 4 numbers of the account number for reference.
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06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
Had difficulty paying a Capital One credit card for a few months. Called Capital One on XX/XX/XXXX to explain we ( a mother and daughter called, it 's the mother 's card ) were having problems paying and to request a debt management program with them. They gave us the phone number of a company they said they work with in these cases. The Capital One rep was friendly and helpful. That same day we contacted the debt management company and set up an account to start making monthly payments to Capital One. ( Note : the last statement balance we received from Capital One had a balance of XXXX. ) Later, we receive a letter from Capital One dated XX/XX/XXXX stating the mother 's account is not eligible for the debt management program we tried to work out with them through the debt management company they recommended. XX/XX/XXXX - Capital One accepts a payment from us through the debt management company, whose proposal they rejected according to the above mentioned letter. Receive another letter from Capital One dated XX/XX/XXXX stating the balance on the card was acquired by a creditor. Around XX/XX/XXXX, receive invoice from a collector on behalf of the creditor.
Around XX/XX/XXXX, start getting calls from collector, who now want payment in full.
XX/XX/XXXX to XX/XX/XXXX - tried to work out monthly payment schedule with the collector through the debt management company but they said, although they 'll accept the payments, it would n't stop them from taking legal action. They wanted the debt paid in full right away. Offered a reduction if we paid {$1500.00} right now, and we did. Wanted the rest by XX/XX/XXXX, would extend to XX/XX/XXXX if needed. Said they would call for an update on XX/XX/XXXX and they did n't. They said they would email the information to us since we may need it to get a loan and they never emailed us.
Around XX/XX/XXXX - After having difficulty finding a suitable way to pay the rest, we sought legal advice and contacted a lawyer. Paid the lawyer {$250.00} for a letter he would send to the collector. Around XX/XX/XXXX, the lawyer emails a letter to the collector, resulting in a phone call between the lawyer and the collector, which came to no resolution. Have n't heard from the collector or the lawyer since.
Around XX/XX/XXXX, receive an invoice from a different collector on behalf of the creditor in the amount of {$14000.00}. They leave a message on mother 's phone.
After seeking legal advice we decide to put in a consumer complaint. We feel Capital One was very unfair in charging off an account after the account holder contacted them seeking a resolution which they offered by giving us the contact information for a debt management company they work with. Further, after they later rejected the proposed debt management program, they accepted a payment from the account holder through that program. The resulting contact from creditors pressuring full payment immediately, etc. has resulted in emotional and financial distress which could have been avoided if Capital One did not renege on the solution they offered.
Details are in attached documents.
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08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
According to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is articulated that : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Both XXXX and XXXX qualify as consumer reporting agencies, and I am the designated consumer in this context. My right to privacy, specifically to ensure that my personal information remains confidential, is underscored by 15 USC 6801 : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' For clarity, the [ Furnisher of information to credit agencies ] falls under the definition of a financial institution according to this title.
Further, 15 USC 1681, section 604a, section 2, highlights that : " In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the [ Furnisher of information to credit agencies ], nor the consumer reporting agencies XXXX and XXXX, possess my explicit or written consent to furnish this data. I hereby revoke all forms of consent - verbal, non-verbal, written, implied, or otherwise - given to XXXX, XXXX, and the [ Furnisher of information to credit agencies ].
Moreover, 15 USC 6802 ( b ) ( c ) specifies : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The [ Furnisher of information to credit agencies ] failed to notify me about my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' The account in question is an adverse item being reported without my consent, in direct violation of the law. Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A declares : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' While 15 U.S. Code 1681e insists : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
It appears that XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, 12 CFR 1016.7 reiterates : " A consumer may exercise the right to opt out at any time. '' I am formally exercising my right and opting out of your reporting services.
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10/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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The recent closure of my Capital One Spark Business Account for business XXXX XXXX XXXX, XXXX ( XXXX XXXX ) is unfair and unjust practice for a XXXX XXXX XXXX XXXX.
I have had an business credit card with Capital One for almost or going on 10 years! I have a credit line of {$6000.00} and for an unknown reason the account has been close. The account has been paid in full or always paid on-time or in-full since the business account has been made available to XXXX XXXX XXXX ( c/o XXXX XXXX ).
A recent new credit union account has been opened for XXXX XXXX and the XXXX XXXX XXXX XXXX failed to act accordingly in the best interest of the customer. In addition to XXXX XXXX, I have been a good standing customer with XXXX XXXX XXXX.
And between the three credit businesses all have been completely fair up to this point, but the occurrence has taken a turn by two of three mentioned businesses. The result has caused undue stress, misfortunate and unfair discriminatory business practices for XXXX XXXX XXXX XXXX! Now I have to spend time writing this report to document the unfair banking and credit card practice procedures. Both XXXX XXXX and Capital One has caused major causalities and left my business without proper credit representation for collateral. Also both have cost me hardship due to incorrect practices and contractual breach without evidence.
I attempted to submit payment to Capital One using my XXXX XXXX XXXX XXXX account on two separate occasions XX/XX/XXXX and XX/XX/XXXX, see attached. The occasion of XX/XX/XXXX resulted in a returned payment according to Capital One ( see attached ) and funds were in my XXXX XXXX XXXX XXXX to complete payment. Please note on this return XXXX XXXX did not provide any notification to XXXX XXXX about the payment being rejected. The second occurrence was on XX/XX/XXXX resulted in returned payment as well. On the second occurrence XXXX XXXX provided documentation of why this happened. When this took place a call was made to XXXX XXXX asking for clarification and they said that the account is not ACH so a payment could not be made.
On XX/XX/XXXX, Capital One restricted my account and today ( XXXX ) after my conversation with a representative my account has been closed! This is not fair and a total disregard for human life due to the worldly circumstances for both being a person of XXXX, a XXXX XXXX XXXX and a loyal customer to Capital One and XXXX XXXX XXXX XXXX. XXXX XXXX company is the frankestien of unfair business practices!
I have submitted the payment I was seeking on XXXX in the returned balances using my XXXX XXXX XXXX account ( see attached ). This account has been the primary account used to make payments until I opened the XXXX XXXX account. Unfortunately, XXXX XXXX has made this a huge mistake and I would like them to reach out to Capital One and I would like Capital One to reconsider their wrong doings.
I am requesting both Capital One and XXXX XXXX work this situation out so that we do not have a SCAR! I would like a Supplier Corrective Action Report on how this will be resolved and how my accounts will continue to be in good standing.
|
02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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On XX/XX/XXXX, I received an alert from my credit monitoring service that Capital One had checked my credit report, resulting in a hard inquiry. I did not request a line of credit or financing with Capital One, nor did I provide them with my consent, permission or authorization to obtain or view my credit ; ultimately, there was no permissible reason for Capital One to obtain or view my credit report or information in such a manner. I attempted to contact Capital One by phone on XX/XX/XXXX, but was unable to speak to a representative regarding my issue. As such, I promptly contacted Capital One by way of letter and advised of the above, and requested that they remove the incorrect information from my credit report and advise me of their decision in writing. I also filed a dispute with XXXX, who reported the inquiry on my credit report, on XX/XX/XXXX. I advised Capital One that I had done so in the dispute letter I mailed to them as a preemptive measure. XXXX responded in writing to my dispute, stating that they verified the information disputed was a factual record and, as such, it would not be removed from my credit report. I received a letter from Capital One dated XX/XX/XXXX, in response to my correspondence. Therein, Capital One blatantly ignored the requests and issues I advised of with respect to the incorrect information on my credit report. The response simply explained the types of credit inquiries that a credit report may contain. On XX/XX/XXXX, I called Capital One again and spoke with several employees. I was on the phone for more than 1 hour in attempts to resolve the stated issues. I was advised that ( 1 ) Capital One does not have any credit requests or applications from me or in my name, and after performing several different searches and combinations, they were unable to find any application or reason they would have pulled my credit report for ( 2 ) that they were not able to advise why my credit report was viewed ( 3 ) that I could not speak with anyone else on the phone to resolve my issue. I was advised to contact the credit bureau and to send a written letter, I advised Capital One that I had already done both and needed to know how to escalate the issue because the response I received was not satisfactory and that the credit bureau would not remove the information unless Capital One advised them to do so. I was instructed to resend the letter I had already sent and was given no information on the next steps available to me on inquiry if resending the letter did not result in resolution of the issues. I contacted XXXX again on XX/XX/XXXX to advise of the conversation I had with Capital One and was told again that Capital One would have to update their reporting information directly for the false information to be removed. I have opted to file a complaint in hopes of expediting the removal of the incorrect information from my credit report as immediately as possible.
Please note that I experienced difficulty uploading the letter I mailed to Capital One.
Please advise if a copy of same may be submitted via email, fax or regular US mail and I would be happy to provide it.
|
05/31/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX USING THESE FRAUDSTER COMPANIES XXXX XXXX XXXX , XXXX XXXX XXXX XXXX AND XXXX MORTGAGE XXXX TO SERVICE WHICH IS AN irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS AND HAVE FIRED ALL OF THEM, SEE ATTACHMENTS XXXX XXXX XXXX XXXX i : fired all these fraudsters : the forecloure trustee, the servicer, the attorneys and others, long ago, they are still trying to steal my home. i : sen d Cease and Desist ord ers long ago, see how fake this is? CAL. CIV. CODE 2952 ( XXXX XXXX ). After Recording Return To : XXXX XXXX XXXX XXXX XXXX [ Space Above This Line For Recording Data ] XXXX FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by XXXX on behalf of [ Name of Person ] XXXX . [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to CAL. CIV. CODE 2 952 ( XXXX XXXX ). These fictitious entities XXXX XXXX XXXX , XXXX and XXXX XXXX and XXXX XXXX XXXX , which based on ample evidence on records, have been laundering money, which based o n prima facie e vidence, includes laundering XXXX XXXX monies, in collusion with attorneys and a pretending services pretending to be the Trustee for foreclosure purposes and acting u nder Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks wi th fiat paper monie s and instruments. These charlatans have been fired, do not have chain of title, do not have a contract with the real owner of the property and land that they are offering for sale both on the internet ( wire fraud ) and in person. They have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity by collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. They must divest themselves of the ill begotten property, belongings and financial gain they have derived from their fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from these fictitious entities and receives, conceals, or retains the same with the intent to convert into his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do them!, the attorneys, the officers and directors if XXXX XXXX XXXX and XXXX XXXX XXXX . Warrants a nd Bill have bee n issued already to XXXX enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calif. code 115 ( a ) 10 years in prison. These entities have been notified. Remove the Auction demanded today.
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08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
On XX/XX/, I requested a small increase of available credit, by Capital One, for my existing credit card I have with them and have had with them for +/-6 years. I checked the status of this request on my Capital One app., which provided me a copy of the letter that is currently being mailed to me, stating I have been declined and the reasons why. It states that the credit report, they received from one of your credit report agencies, that I do not make a large enough monthly payment on this account. This is inaccurate and need this investigated and reviewed for errors. My minimum payment on this one, of only 2 credit cards I have, is an average of {$60.00} - {$64.00} every month. Not only do I have my monthly payments set up on auto-pay, coming directly out of my checking account each month, on time and never late, I have the amount of {$120.00} paid every month to Capital One. I am paying double what the minimum amount required is each and every month and have been for nearly 2 years out of the 6+ years I have had this credit card. The only other monthly debit I have, is a XXXX credit card, that I also have set up on auto-pay, monthly and on time for the past 11 1/2 years, have never missed a payment on that card and I have also been paying more than the minimum amount owed each month on that credit card also. I have been working very hard, the past 2 years, on taking steps, to raise my credit score. I have no other bills for the last 10 years other than these 2 credit cards and my current credit score with XXXX and XXXX is XXXX and XXXX is always within 1-2 points of these other two. In the 2 years I have been working very hard to raise my credit score, I have been able to increase it from the low XXXX up to XXXX as it sits today. I follow the helpful tips from XXXX XXXX and yesterday tried one of their most successful suggested advice on helping raise your score and that is to request a credit increase with one or more of your existing accounts to show you have more available credit. They personally suggested this to me as their customer because they report to me that my payment history is outstanding, especially with the XXXX card I have had for 11 1/2 years without one missed payment and making payments more then the minimum amount and also with the Capital One credit card of having 6+/- years, also making monthly payments double the amount of the minimum amount due. The reason given for being declined a credit increase, is inaccurate and has stopped me from diligently working to increase my credit score. Please review the data you provided to Capital One that gave them reason to decline my request for a credit increase and report back to them and to me personally how such information could have been given, why and what has been done to correct this inaccurate data being provided about me, my timely payments, my long credit history with both credit companies, and the statement that specifically says, I am not making enough of a monthly payment towards my current debits?
Thank you for helping me correct this information and for getting back to me at the earliest possible time.
XXXX XXXX
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03/14/2017 |
Yes |
|
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|
Web |
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Beginning in XXXX of XX/XX/2016 I submitted several letters to all XXXX credit reporting agencies. Each time I have received different responses. I asked that the account be removed or at least put into dispute within 30 days of the letter as required by law. Not only was this not done, I was declared dead by the credit card company, then told I was alive, and then told there was never an issue about my death and therefore the matter was not in dispute any longer. I resubmitted letters in XXXX, XXXX, and XXXX and each of them had to address a different issue. First they said they could n't find a record of my account. Then they said I owed the money and finally they went back to saying they could n't find the account. However, there has never been a dispute placed on any of my credit files and as such, I believe these cards and the negative reports should be simply removed.
XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim My Account was charged off.. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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05/19/2015 |
Yes |
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Web |
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On XXXX/XXXX/XXXX. I called and made my Kohls payment via automated system. My bank account had sufficient funds to cover the {$52.00} payment the automated system said I owed. I entered my correct bank account number, and the system said hold while we process your payment. After a brief hold It said payment successful. I received a confirmation number XXXX. A few weeks later I went to Kohls and the card declined. I was shocked I have had this card from XXXX and never missed a payment or came close to this card 's limit. I called Kohls and they said our payment did n't go threw. REASON : Incorrect account number. After lengthy conversation with customer service they were able to get the last XXXX digits of account number used. It turns out the numbers were the XXXX digits before the last XXXX digits of my account. The system made an error and did n't compute the last XXXX digits of my account.
At that time I asked what the total balance was and I paid in full. The total balance given to me was inaccurate and they sent me a refund check several months later because they had given me inaccurate high balance .. Also that day I asked if this system error was going to affect my credit and I was told yes because it made us 30 days late.. I asked to talk to the department that handles disputes. I was told they have no contact. I was told they would initiate the dispute and correspond with that department, After getting very frustrated they told me I can also send a letter. We promptly sent the letter to the XXXX XXXX XXXX We waited over 7 months and no response.. I am finding out months later they never Informed the credit bureau of dispute.. Calls letters, and emails over months with no resolution. I recently started calling customer service again, and XXXX to last Call to Kohls XXXX XXXX XXXX I recorded, and was told they would call credit burrow and correct their error made by automated system. But I followed up and was told nothing is in the notes.. call was made on XXXX XXXX at XXXX and taken by operator ID XXXX if recorded call is reviewed it will show just another lie told to us. On XXXX XXXX XXXX almost a year after our original phone calls and letters we get our first response that states.
" I am very sorry to learn of your difficulties while making your payment. While this is certainly an unfortunate circumstance, I am unable to adjust your credit profile.
1 ) I have been Kohls cardholder from XXXX never missed a payment. I have XXXX home loans, XXXX home equity loan XXXX limit, XXXX auto loans, XXXX student loans, and XXXX revolving credit lines in total XXXX limits, I have zero missed payments other than the {$52.00} Kohl 's automated system error.
2 ) I paid XXXX other cards via automated system using same account same day with zero issues.
3 ) I ENTERED CORRECT ACCOUNT NUMBER, and after the system said hold processing payment It said payment successful and gave confirmation number. I would have no reason to believe my payment was not processed.
5 ) I was told 7 months ago they were initiating a dispute. It took months of letters and phone calls to even get XXXX response.
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08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
This is a follow-up to CFPB Complaint XXXX
Since I haven't been able to resolve my billing issue through yourCustomer Service Department... I'm hoping you'll be able to help provide a timely resolution to this matter so that I can settle my account once and for all.
OnXX/XX/XXXX, I received an email from CapitalOne stating they hadn't received my $49.00 XX/XX/XXXXpayment. Realizing I had sent a money order (for said amount) onXX/XX/XXXX, I decided to contact customerservice on the matter. In speaking to a representative and explaining my payment was mailed, she indicated my payment will only be applied once they receive it. When I offered to provide her a copy of my money order, she refused; instead reiterated my payment would only be applied once it was received. After a few days, I received another email alerting me of a missed/late payment. Again, I called to inquire on the status of my account; and pointed out that my XX/XX/XXXXpayment had been mailed. The representative would only state it had not been received, and refused to accept proof of my payment. On XX/XX/XXXX I received yet a third email from CapitalOne alerting me of a missed/late payment???
XX/XX/XXXXI received an email from CapitalOne this time stating an additional XXXX is owed. Obviously, my payment of XXXX was received... So why am I being charged an additional XXXX?
OnXX/XX/XXXX, I called your Customer Service Department regarding my latest email. Initially, I spoke to a representative named XX/XX/XXXX. After going through an extensive verification process, I asked to speak to her supervisor. Somehow, I was transferred to XXXX in your Fraud Department. Again, I demanded to speak to a supervisor! He in turn transferred my call to XXXX. Throughout our brief conversation... He seemed even less knowledgeableand more confused. He verified my June payment ($49.00) was applied to my account onXX/XX/XXXX. He also indicated the additional late fee ($29.00) had been removed. Despite having received my XX/XX/XXXX payment, he now insists a payment of XXXX is owed. How CRAZY is that???
OnXX/XX/XXXX, after receiving yet another email from CapitalOne I called their Customer Service Department; and demanded to speak to a supervisor. After a brief conversation with representatives XXXX XXXX, and XXXX; I was FINALLY transferred to a supervisor by the name of XXXX. During the course of our discussion, she revealed the XXXX late fee was applied on XX/XX/XXXX Despite my payment of XXXX mailed XX/XX/XXXX with a due date of XX/XX/XXXX and my XXXX payment mailed XX/XX/XXXX with a due date ofXX/XX/XXXX.. she claimed both were received late. To my knowledge, it takes 1 3 days for First Class mail to arrive to its destination; so how are my payment(s) considered late? They are mailed at least a week from the posted due date.
Its obvious, erroneous late fees have been tacked onto my account. Perhaps it because I haven't used my credit card in over 6 months. Attached are copies of the 'so called' missed payment(s) in question. Your effort to resolve this matter in atimely and accuratefashion is greatly appreciated.
Sincerely,
XXXX XXXX
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03/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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( Related to XXXX # XXXX on XX/XX/XXXXwhere COMPLAINTANT applied for Wal-Mart credit card via CapitalOne on XXXX. It made one XXXX inquiry, then its fraud detection team raised an application fraud alert to require a photo ID. COMPLAINTANT uploaded the Driver 's License to get through that. However, even after verifying the application - XXXX inquiry and photo ID - CapitalOne had to delegate the process to another department, which led to a follow-up call. COMPLAINTANT understands that it varies from lenders to lenders on how fast decisions are reached after an application is completed, but it is very strange that its employees indicate that another department will get back to the COMPLAINTANT in a few hours when the other department indicates that the process actually takes 7-10 days to process a completed application. ) COMPLAINTANT was on a call with CapitalOne on XXXX at XXXX XXXX for 49 minutes with XXXX until COMPLAINTANT has disconnected the call. The call was regarding re- enabling XXXX XXXX - Wallet feature that was last successfully used on XXXX. COMPLAINTANT indicated that, which CapitalOne employee confirmed, the card on file with XXXX XXXX was removed until added back on XXXX. However, the card has repeatedly failed to be added on XXXX system. CapitalOne asserted that nothing is blocking the card from being added to XXXX and directed fault at XXXX for preferring one credit card over the other by blocking CapitalOnes entry into XXXX system. ( COMPLAINTANT has other cards on file for XXXX XXXX ). Interestingly, at XXXX XXXX, CapitalOne has reached out to notify the COMPLAINTANT that the account has been restricted for possible account take-over. It stated ( 1 ) Email change and ( 2 ) Address change attempt as reasons for this restriction. COMPLAINTANT is puzzled as to how CapitalOne then used those excuses to ask for ( a ) Social-Security-Card, ( b ) Bank Statement or Utility Billl with address and ( c ) Photo ID. Because on XXXX at XXXX XXXX, COMPLAINTANT has spoken with CapitalOne employee to correct the name of the city in the billing address but address remains unchanged. CapitalOne onXX/XX/XXXX at XXXX XXXX indicated that there was a concurrent investigation that previous representative XXXX wasnt aware of, that the restriction wasnt a bitter annoyance caused against the COMPLAINTANT for suddenly disconnecting the call. Also during the call at XXXX XXXX on XXXX, XXXX has noticed no issue on COMPLAINTANTs account as well as verifying the mail address on file. In conclusion, there was no basis, sudden surprise or newly discovered knowledge for CapitalOne to restrict the COMPLAINTANTs account, but it was only using those as an excuse to push the COMPLAINTANT to give out more information regarding him.
On XXXX, ( a ) Photo ID, ( b ) Signed Social Security card, and ( c ) Banking statement were uploaded and verified by CapitalOnes representatives. OnXX/XX/XXXX0 XXXX XXXX, CapitalOne verified bank statement and receipt all requested documents. Then on XXXX, its employees dragged around the process further with false/inconsistent reasons to keep the account frozen/restricted.
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01/11/2016 |
Yes |
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- Advertising and marketing
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Web |
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I signed up for the Capital One XXXX rewards card with the intention of using this card for its travel benefits. Knowing I would be able to spend the {$3000.00} in the first three months required to obtain a XXXX mile reward, I applied and was accepted. I applied for the card and was accepted the beginning of XXXX 2015, and was given a 7 - 10 day estimate to when my new card would be delivered. It never came, I called it in XXXX XXXX, 2015 when it had not arrived after 14 days and was told they were sorry that the card was actually never shipped to begin with. They promised to expedite ship my card to me then, and that it would be at my address within 3 days time. It was not. I called again, this new representative looked at her system and stated that the card I was supposed to have expedited to me was also not ever in the mail. The previous rep had just taken down notes but never began the process of issuing a card to me. By this time, it is now a week into XXXX 2015. I finally get my card in the mail two weeks into XXXX, and call in to ask what can be done about the fact that I was supposed to have three months to spend {$3000.00}, but I will of had the card for only a month and a half. I was told to use the card as normal and that I would get a call back before the time period was up to discuss it further. XXXX XXXX XXXX XXXX had told me that shw would take care of it, and that I should n't worry. I would be treated fairly. I proceeded to use the card, and called in when my time was running near, this is at end of XXXX.
The rep that answered says that XXXX is not available but that she would have her give me a call back. She did n't. I call again after another week of no response. Only to have someone tell me that I could possibly get an extention on the time frame needed for the rewards bonus. But that I would need to wait for a response from her as she was supposedly a manager and this particular rep did not have that kidn of authority. I NEVER GET A CALL. I am just told " you should get a call withing 7 -- 10 days from someone to help resolve this issue, we apologize for any inconvenience ''. I wait, and wait. Then wait some more. Nothing - for months. How can one make progress when the customer is the only XXXX showing initiative to reach out to resolve an issue, and the issuer does not even comply to their own statement of giving a simple call back?
Enough was enough, I called XXXX last time, and was told that there is no record of anyone talking my calls and that they are sorry that there was nothing they can do from then on. I recorded times, dates, and employee numbers during this time. Yes, there is a record of calls made. the contract I signed when I was accepted for the card says THREE MONTHS to spend {$3000.00}, and I was given only HALF the time. Not once, did I ever receive a call that was promised to me. Not even once.
Also, the automatic payments continues to charge my old bank account to pay off balances, even when I have deleted my old bank and inserted my new bank information. Glitchy webpages have made my old account overdraft by using the wrong source of payment.
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12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX I was offered to open a credit card from Capital One and after almost 11 months my account was closed on XX/XX/XXXX and was not explanation why went I call the bank but instead I was offered to re-applied for a new card.
On XX/XX/XXXX I decided to applied for a Capital credit card ( I was receiving many offers to applied for a credit ) and 15 days later on XX/XX/XXXX my account was closed and this time went I call the bank to ask for an explanation why they close the account again after I talk to them before I applied again and the representative confirm that was no problem that they can see and restrict me from open an account. At the end they closed and the explanation was the underwriter and internal investigation find that i was not allow to have an account open with them I ask what was the problem so I can resolved it in my end and they denied to inform me about or give me more info. So I call all the credit report agencies and consumes report agencies doing my own investigation and I could not find anything that could affect me from getting a credit card or any type of loan in fact I had credit cards, bank accounts and car loans opens with not problem I call all of them to see if they see any wrong or bad information that can be affecting me about this matter but everything was ok. Also my wife add me to her Capital one account trying to see that may was something else and Capital one canceled my card and threaten her saying that they will close her account if she add me again we even ask if all this issue with me not allowing to have a Capital one credit card account open was because the Bankruptcy that was Discharge on XX/XX/XXXX but was XXXX but 's XXXX was that my wife was on that Bankruptcy with me and she has an account open until today 's day and XXXX is that the bank denied that was the reason..
Since that day I been receiving offers at all the time trough the mail and the email to apply and I don't understand why I still receiving this offers if They don't want me with them with out an explanation why they still sending me offers.
On XX/XX/XXXX I applied again thinking that everything was resolved or over but not. I went to Capital One Branch to find out if was anything that can keep me out from open an account and they did not find any problems from me to open I also call the credit card department to find the same think if there was any problem or restrictions that will not allow me to open an account and they said that everything was ok so I got my account open but on XX/XX/XXXX my account was closed with again with the explanation of that " Capital One has observed activity on a pass or present Capital One account that is not consistent with anticipated account activity based on Capital One 's account opening and ongoing due diligence. I ask for more explanation but I was denied. I ask them that this may be an error may be due to some one else with the same name or someone else open an account on my name with out me knowing if they can give me a little be more info so I can take steps to resolve any issues that I may have but as per them I do not have one.
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04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my credit card now having money stating i owe and i have filed disputes on both in which which are for the same exact amount of {$1000.00} to two separate individuals aka criminals, and I fear that I may also be the victim of identity theft.
This sophisticated scam has affected me for more than six weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter during this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. which is another crime in the state of NY All emails, XXXX XXXX, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. but so far no one has done anything to help nor stop these criminals and help me -the victim.
As a result of this scam, my credit card in which i disputed these two fraudalent charges were pending until recently where now one is still pending the other they wildly absurdly rewarded the criminals stating i owe this money which is insane. its literally in black and white how i was scammed. ALL my facts and proof doesn't show anything. something clearly isn't right here nor have then read viewed all proof and documentation because anyone that would would easily see that I am 100 % a victim of employment fraud and every word screenshot hire letter interview official contact and more proves that. I always pay my bills in full and on time take a look at my credit report. and my bills that I contd to pay and struggle so hard with. I will NOT be responsible for someone illegally scamming me and stealing my money thats crazy. I was instructed to send personal funds by criminals for a new job I was so excited about. i'm the VICTIM here.
This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this proof as well if need be.
I am reaching out to you today to request your assistance in forwarding on my proof, my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible.
Thank you for your attention to this matter.
ps. its also weird that I sent alot of money to two separate people for same exact amount within minutes of each other that ive never sent money to before and i even stated it was for office equipment and that I was instructed to do so by my new employer. all this is documented as well. funny how the bank didnt flag it or find it odd or acknowledge that I stated what it was for and by whom
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02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I ordered a ring 4 times and never received it, ring kept getting mailed to the wrong address. Kohls stated that it was USPS error, I suggested for them to contact the vendor to make them aware and they said they could not do that. I also suggested for them to call the shipping department to avoid this from having again and again, they said the best they can do is email them. I expressed to the Kohls representative that an email will probably not avoid this from happening, I also recommended for them to ship to the store, they could not do that either. The orders are in the process of being refunded but it is not being refunded fast enough where I may incur finance charges and interest on these charges from my credit card. Due to the negative experience they provided me a cash Kohls that continues not to work, a few times! I have called to report this issue several times and these issues continue to be unresolved to date. The last representative XXXX XXXX XXXX stated there is an issue with their systems and decided to reprocess another cash Kohl 's, he was guided by supervisor named XXXX. I suggested for the cash Kohl 's to be entered into directly into my Kohls account and XXXX said that would not be possible and that they can only process another Kohls cash. It seems like the customer service department at Kohls really does not resolve any issues but continuously creates issues on top of the existing issues! I just started to be a customer at Kohls and I am certainly not encouraged to continue giving my business and time to Kohls. No one is able to resolve anything from the customer service department to the corporate department! They have a non working phone number on their website and when I entered my negative experience to the XXXX they were not able to resolve my issue but provide only an apology! I hope sharing my negative experience will help Kohl 's to change their internal processes to make things better for the customer and not continue to put barriers in getting things resolved much sooner and efficiently.
Apologizing is fine which I have heard numerous times from the different customer service representatives at Kohl 's. However, their response to my complaints is not a resolution and at this time I am looking for a resolution from Kohls corporate office since my numerous attempts to your customer service department has not done so to date! In the many conversations I had with your customer service representatives I was advised to call USPS to intercept the package and make any necessary changes for the package to get tome which has caused me {$25.00} to do. I have the email from the USPS, proving the error from Kohls and the charges I have paid to get my package once and for all! I am requesting for Kohls to absorb this cost as this is the 5th time I havetried to get my paid merchandisefrom Kohls! Today they are charging my credit card for charges not authorized and my Kohl 's account has a Kohl 's credit card account that I do not own! All these issues really need to be investigated they are experiencing internal computer issues which is compromising customers information!
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06/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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|
Web |
Older American |
I have had a Capital One Quicksilver card for several years. Before the pandemic I had no problems with the card and could easily check my statements on line.
Sometime in XXXX, the website check in procedures changed and they demanded they send a text to a US phone number. I had one but XXXX XXXX XXXX canceled my number as that program was not available. I got another number from XXXX. When I called to change the number, they asked me to photograph and send my ID. I sent my passport and passport card. I followed up several times and resent it. No response. They said I must have a US driver 's licence as ID to change the phone number.
Everyone in the US does not have or are able to get a US driver 's license.
I experienced a similar problem with XXXX XXXX. After several complaints, XXXX suggested and sent a XXXX device that resolved the problem of a US phone.
Capital One has yet to address the issue.
I sent an email to an executive with Cap One credit cards.
" Dear XXXX XXXX, I have been a Capital credit card customer since XXXX, card ending XXXX. I really enjoyed the service, and would like to avail of the offers I am getting for the 360 account, however, sometime during the pandemic the access to my account was changed that demanded a US number be available to check my account. I had an XXXX number, but they canceled it.
When I got a new US number, I was told I could only change it by sending a photo of my US driver 's license. I spend most of my time overseas and don't have a US driver 's license. I am nearly a super senior and many of us develop XXXX as we age making getting a US driver 's license not possible. I have twice sent my US passport and passport card as directed, but no response.
The other financial firms I use, allow a foreign phone number or give an option to confirm I am really me via email or 20 questions. XXXX XXXX gave me a XXXX. Some of my accounts are at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never had a problem accessing my accounts.
Only Capital One has this requirement that I find most unfair and prejudiced against anyone with a XXXX.
I have a new card but I have not activated it as I can not check if there are unauthorized charges, or as in the case of my honeymoon we canceled due to XXXX, I still don't know if my card was credited the hotel charges.
I know you are a very busy man as President of Capital One credit cards, but can you forward this to someone that can help?
Sincerely appreciate the Help, XXXX XXXX XXXX '' I received an email from Cap One, that I could open with the last four numbers of my Social security number. When I opened it, the email demanded I receive a call or text from the same canceled number. They did include for the first time, an email address. XXXX.
I sent XXXX an email, and shortly received the same email requiring the last 4 of my Social security number and the same canceled phone number.
I can not activate the new card if I have no way to verify all the charges are correct. I trust your agency can get their attention.
Thank you for your efforts.
Best Regards, XXXX XXXX
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12/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
Ok I have a timeline of responsive and cooperative behavior.
I began paying XXXX XXXX XXXX in XX/XX/XXXX I arranged to pay monthly {$250.00} until the balance of XXXX was paid in full. I paid this faithfully monthly. It was being deducted out of my account with no problems.
Well according to the amortization report XXXX provided the account would be paid in full XX/XX/XXXX. Well when all payments stopped in XXXX we thought it was the end. I called requesting a letter of final payment or payment satisfied and they started with we can't speak with you because you are attorney repped. I said no I am not attorney repped who and what is the name of this attorney. They shared this information and I said I don't even know this person I am not attorney repped you have been speaking with me and my husband over almost three years now what are you talking about. So this went on for several weeks, well in the mean time I am served with this lawsuit stating we have this outstanding balance of {$950.00} I immediately began to call and again they would not speak to me. So, one of the customer service persons answering suggested I write a non-repped letter send via email and give them 2 days and see if that works. Well I did that but by the time that processed worked I was being served at my home with papers.
I immediately called them again, was told the amount I owed and told them I was not aware of any amount being due, due to fact we paid until XXXX and all payments stopped being deducted and when we called we were told we were attorney repped so no one would speak with us for months this went on from XXXX to XXXX.
So, they told me they could only accept a certain amount per day via credit card and my balance was XXXX so we had to split the payment. And I still had to employ an attorney to write an answer to the suit filed {$450.00}. I had that done and taken to the courts and filed my answer. So, I called XXXX XXXX XXXX to inquire about the suit being closed, canceled or whatever the next steps because I paid it in full in XXXX and filed my answer of proof in XXXX. The office has yet to answer me, they have yet to explain why according to online case information Case # XXXX status is still showing pending as of XXXX. Almost 5 months ago. This Capitol One card was charged off years ago but XXXX XXXX XXXX kept coming after me threatening to garnish my wages, file law suit so I paid what I could I was going through a nasty divorce and just could not afford but I did what I had to.
I want this over and I have paid over 8k to these folks, they will not send written communication for payment in full they stated we needed 30 days to respond via written communication well in 30 days I still have not receive anything, they can't confirm any documentation has gone to the courts to close the suit and clearly they do not have anyone monitoring cases if they did send to confirm it was received and processed. My hands are tied and I want this over. This office does not communicate verbally well nor do they communicate in writing. They don't want resolution this allows for more money to be paid out for them.
|
02/22/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
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Mid to late XXXX, I wanted to trade my car in so I checked my credit to see what kind of rate I might get. I noticed that there was a hard inquiry on my report listed by Capital One. I found the inquiry alarming because I was dealing with fraud where an individual opened up a XXXX XXXX account using my name and social security number and I was receiving letters regarding car loan applications I never applied for! The Capital One inquiry showed up one month after I opened up a XXXX credit card. I 've been with Capital One for years, I have a checking, savings, Platinum, and XXXX card which were all in excellent standing. I contacted " All Clear '' my credit monitoring service to assist me with the matter. XXXX the representative from " All Clear '' and I contacted Capital One to inform them of their error. We were able to speak with a representative in Capital One 's fraud department and explained that there was a hard inquiry showing upon my report one month after I opened my XXXX card. I opened my XXXX card ending in XXXX, in XXXX of 2014, that inquiry hit the credit bureaus on XXXX XXXX, 2014. The erroneous inquiry showed up on my report with the date XXXX XXXX, 2014. After explaining the situation to the representative, it was clear there was either a clerical error or fraudent activity happen. The representative said that they would pull my initial application and check what was on file and see if there was a second application for the date in question. We were asked to follow up in a week or so. XXXX and I followed up a week after the initial contact with Capital One and their fraud department and were told that the application had not been pulled, but they believed it was a clerical error and they would more than likely remove the inquiry from my report, but it was a different department which handles that. We checked in several times after seeking status on our request, only to be transfer to XXXX incompetent person after another. We were told that this is a fraud case now and Capital One restricted and suspended both of the credit cards I have for years and paid promptly on! I received a letter in the mail stating the card ending I pin XXXX, was now closed due to fraudent activity! What!!!! They removed the incorrect inquiry on my credit report, and left the XXXX XXXX, 2014 inquiry on my report. Thank about incompetence. Later realizing the gervious errors they made instead of apologizing they made they changed my card number which was in good standing to a different number. They said they would not issue me another card, but would leave this card open for payment and if I wanted the card reinstated paperwork would follow ( which it did ) that I would have to fill out and have notary stamp and witness. This was their mistake no thank you, I do n't want any of your products. XXXX and I called Capital One weekly almost on a daily basis to get some resolve and recourse for the problem they have caused with no avail!! To add insult to injury along with no call backs from a supervisor, they are reporting me late on my credit report on a card account that does not mine. Please help me!!!
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07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
Greetings and Salutations, I XXXX XXXX XXXX, have a automobile account with Capital One Auto Finance. Due to Covid-19 Pandemic Coronavirus I lost my job in XX/XX/XXXX. I have called and spoken with a representative from Capital One Auto Finance and had my payments from XX/XX/XXXX to XX/XX/XXXX ALL DEFERRED. I have EMAILS and MAILED OUT LETTERS from Capital One Auto Finance, XXXX XXXX XXXX, XXXX, Texas XXXX Phone # : XXXX ; that states CONFIRMATION of DEFERMENT. I have paid and made a payment of my month of XX/XX/XXXX bill. I paid it on XX/XX/XXXX. That is due on the XXXX of every month. I paid {$870.00} my payment due of every month is {$860.00}. I do not understand why they are reporting negative information to the Credit Bureaus on my credit file of late payments. The Credit Department at Capital One Auto Finance are destroying my credit and are reporting negative credit information that is a negative credit deformation of character. I am very, very, very DISPLEASED with this branch of this company. I do not know at this company keep reporting this negative inaccurate information on my credit report. My score has went from 750s to a rock bottom low of 500s. This unconstitutional wrong under the Fair Credit Reporting Act. I do not understand I have always communicated with this company to show my loyalty. I do not have anything as a verification of debt, that is showing late from them at all, nothing no mail nor not even a email. Everything online shows that I am current and nothing is showing late. What on earth is, where this online negative information is keep coming from. Because as if this company is waiting on me to fall to as missing some payments, as failure. All I want is this to be fixed immediately, I am tried. I am tried of being a XXXX man who is doing what he supports to do, is the right thing and I have negativity online demons hackers, hacking my information working through cyber space. To just keep me down to not secede in life to enjoy the pursuit of happiness, to be well able to take care of my family, and be employed. I am tried. For I AM a man who is doing what I supposed to doing just stop trying to keep me down. I really do not know who it is at this company, or why they keep doing this, if I had known that Capital One Auto Finance as being a active XXXX to the lineage line to the XXXX XXXX of XXXX, and XXXX XXXX XX/XX/XXXX,XX/XX/XXXX of the World who is RECOGNIZED from XXXX XXXX XXXX XXXX XXXX in XXXX , TN from XXXX XXXX XXXX,XXXX XXXX XXXX XXXX in XXXX, TN under XXXX XXXX XXXX,XXXX . I went have not even gotten this car dealing with Capital One Auto Finance. I can not believe that I have mailed out letters of DEFERMENT due to Covid-19 Pandemic Coronavirus and also EMAILS, and made a payment over the amount to pay for XX/XX/XXXX and still reported late before the Due date of the XXXX of every month. Which I also have a grace period of 10 days after the due date, this contract has already have been canceled and deferred due to this consumer is not in compliance their own contract that they have wrote up to me. I am very DISPLEASED, DISAPPOINTED, and DISSATISFIED.
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07/17/2015 |
Yes |
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Web |
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I live in the state of VA and was unexpectedly hit with personal property taxes and only had 3 weeks to pay by the time I received the notice by mail. I was not prepared for this as I have not lived here in over 10 years. In order to resolve that issue some bills where not paid on time .. which would include the credit card for which I have the complaint with. My account is up to date and even though my payment was late it was not 30-60 days past due which is what they reported on my credit which had a very significant impact and I am currently trying to improve my credit in order to be able to buy a home. When I called them to discuss this and requested that they show me a courtesy of removing the delinquency from my credit as my account was paid and is up to date and this was the only instance for which I was late, as I always pay before my due date. I was told that they can not remove the delinquency from my report as they have no way of reversing the report they submit to the credit bureaus. I informed them that I have spoke with the credit bureaus and know that they can electronically respond to my dispute I made with them the previous day and the credit bureau stated once they receive that response it will up date immediately so if I need it removed soon to contact the company directly. So again the agent continues to repeat annoyingly over and over we can not change what we submitted unless we made the error. They proceeded to tell me if I had a dispute I would have to file it with them personally in writing and mail it to their dispute center and wait for them to review and make a decision which will take 30-60 days maybe up to 90 days. I kept explaining that their negative report affected me within a minute of them reporting it and can just as easily reverse it, if they would be willing to extend me that courtesy, however, they would not. I asked for another supervisor as the one I was talking to kept talking over me and saying the same thing over and over, she then placed me on hold for 15 minutes when another woman came on the line I explained the situation yet again. She stated well since you admitted to being a little late there was no error on our part, I said a little late is not 30-60 days delinquent but irregardless I was simply asking for a one time courtesy since I have never had a late payment ever and as a matter of fact they were always paid early. She agreed that this has never happened before on my account but still continued telling me that I would now need to submit my complaint in writing and mail it to them, even after I told her that I filed a dispute with the credit reporting agency and all they need to do is respond. When I mentioned I was filing a complaint with CFPB she then stated now I have to transfer you to the president line and immediately did so, and where I got a voicemail asking me to leave a name and number and a brief description of the issue. I only have 2 weeks before I loose the opportunity to refinance my vehicle from 12.99 % to 1 % and they are the only thing holding that up and the smallest account I have and giving me the biggest issue.
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02/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This complaint is regarding deceptive practices involving a payment protection product for a Capital One credit card and for non-timely verification of a credit card debt. In XXXX, I had a Capital One credit card account. I had the account until XXXX when the debt was charged off. Capital One began a lawsuit in XXXX by filing a summons and complaint against me. I answered the lawsuit and requested verification of the debt, but that was not provided until XXXX. The lawsuit sat on the court record for about 10 years when Capital One by attorney XXXX and XXXX requested from the court, a default judgement against me. Even though the action was filed during the six year statute of limitations, they did not provide verification of the debt nor actively prosecute the action until close to 10 years, the statute of limitations in NY is 6 years.
To the best of my memory, after opening the account, I was offered an additional product called XXXX XXXX which was a separate, insurance based product that would provide coverage should I be ill, unemployed, XXXX. The offer was made by telephone from Capital One. I was led to believe the benefit could be used one time only and the benefit would pay off the balance on the credit card if I were ill, unemployed, or XXXX. I have never received a copy of the XXXX XXXX XXXX.
Late in XXXX, I utilized that benefit by calling Capital One due to unemployment. I can not tell if interest, late fees, or other fees were supposed to be charged on the benefit, or if the benefit was properly paid. Again, I never received a copy of the details of the benefit. The statements received from Capital One as part of the lawsuit show a monthly charge for the benefit. I also noticed that the benefit continued to be charged during the time I was unemployed and for months after the onetime benefit was used. All these fees and charges are incorporated into the balance that Capital One is seeking to collect through the lawsuit.
Capital one is the original creditor and should have been able to provide debt verification sooner than 10 years. I no longer have documentation regarding documents, notes, telephone logs or requests to/from Capital One as I believed that the debt was paid through the XXXX XXXX
The CFPB determined that selling of the XXXX XXXX product was deceptive in CFPB Administrative Proceeding File No. 2012-CFPB-0001. Capital One was ordered to make restitution to cardholders between XXXX and XXXX, but the CFPB order came in XXXX, after my account was charged off and the summons and complaint was filed in court. I have no way of knowing whether I was entitled to any rebate of fees and charges under that order but had the card at least from XXXX to XXXX.
My complaint is for non-disclosure of the terms of the Payment Protection Agreement, a claim for any applicable funds and refunds under the CFPB order and Capital One did not provide verification of the debt within the statute of limitations or reasonable timeframe.
This complaint is made after a call to the CFPB call center as they could not advise as to whether the funds set aside for consumers had been exhausted.
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08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/2022 I called Capital one to advise that I had received an account closeout letter, due to no usage. My card was scheduled to Close on XX/XX/XXXX XXXX XXXX. I advised the representative I spoke to ( agent ID XXXX ) that I could not locate my cards, and would like to replace them prior to the account closing date. After a relatively long, and painful conversation, given that she seemed confused and what I know now to be ill informed, she reordered the card. I asked the Agent ( ID XXXX ) to please ensure that my account will not be closed, and to add notes, because I had every intention on keeping this account open, as it is the longest account I have. She assured me that the accounts would not be closed. After receiving the cards I made two attempts to use account ending in ( XXXX ) with no success. On XX/XX/XXXX, I called to confirm I had activated my card correctly, being I had been unable to use it. The first representative I spoke to first advised that she didn't see any cards had been issued, I told her I had the cards right in front of me. After putting me on hold she informed me that account # XXXX, had been closed. After telling me that she was unable to reopen the account I asked to speak with a supervisor. She transferred me to XXXX XXXX her supervisor ) who also informed me that she didn't have the ability to reopen the account. I asked XXXX if she can connect me with her supervisor who could help me and she advised that there is no one beyond her who I could speak to, who I could email, nor who could email me or reach out to me. Nor was she able to submit some sort of ticket for me to get me the help I need. She apologized and suggested that maybe online there was someone who could help there, which I did, and there isn't.
I requested my card on XX/XX/XXXX. The card was sent out on XX/XX/XXXX, and my account was closed on XX/XX/XXXX ( prior to me receiving it by mail. I was ill informed by Capital ones representative that my account wouldn't be closed, and have been told that although the account has been closed for less than 30 days, they are unable to reopen it. The worst part of it all is that there is no one in a leadership position according to supervisor XXXX that I can speak to. I implore you to review the recording of the calls, in which I'm assuming are used for training and development purposes. Working in the financial industry for over XXXX yrs, I find it hard to believe that there in no one beyond a call center supervisor that I can speak to, to try to resolve this issue, or better understand why it is impossible to reopen an account that was most recently close, within less than XXXX days. I am truly disappointed at the lack of professionalism in the way Capital One conducts business, and the lack of skills, and training for employees of such an established institution. I will ensure that everyone person I engage with regarding, finances, extension or credit, lending, credit repair etc. is cautioned on doing business with such a XXXX institution, who easily receives peoples money but doesn't provide helpful, nor resolution resources to its customers.
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11/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
In 2019 I was let go of my job. I contacted Capital one XXXX XXXX and explained the situation to them. They advised me they would put XXXX payment on the back end but to keep them up to date on my job situation.
Well, every week I was unemployed I contacted them telling them I was still looking for a job and that because I was taking care of my mother who was bedridden it was hard to find an employer who would work with the times I needed to be home.
XXXX day I received a call from a company called XXXX XXXX XXXX. They apparently had been looking for me and the truck at an old address and I told him that I had a job interview coming up and that I was going to resume making the payments. He told me to keep him informed and I told him I would.
A few days later he called me and advised me that they would be seeking to put a warrant out for my arrest because capital one told them to. I told the man I can't see how they could get me arrested for being behind on payments and he told me that I stole capital one 's property and because I refused to return it that it is just like renting a car and refusing to return it. I told the man I was going to go talk to a lawyer and hung up on him.
While I was awaiting a call from our local free legal clinic I received a call from a man named XXXX XXXX who told me he was with XXXX XXXX XXXX and he was reaching out to me. I told him I had already spoken to another guy and I was waiting for the legal clinic to call me back on what I needed to do.
So the man asked me who I spoke with and I gave him the other guy 's information and he told me to go ahead and wait for the clinic to get me in and he would hold off a few days to see what I was told.
Well, the next day he called me again and told me he spoke to capital one on the situation and that he found out that they were pursuing auto theft charges and he told me that once that happens there is nothing he can do to help me.
So I asked him what it was he was trying to help me with and he told me that if I turned in the vehicle that they would mark it a voluntary repo. So I told him no that i needed the car to go to work and he kept saying if I was arrested there was nothing he could do to help me then id has a felony charge.
So I told him that if I allowed them to repo the vehicle I would not be able to get another car and he told me that if I voluntary gave him the car that day, that within XXXX months capital one would allow me to get another loan and he also told me that in good faith for working with him that he was told by capital one it would show as a XXXX balance on my credit report, nothing would be owed and it would not be reported as a repo to hinder me from getting another loan.
So this year after finding out that this tow company lied to me I have been getting the run around from both the credit reporting agencies and Capital one when I call them on this issue wanting to know why it shows a repossession and late payments when I was told neither would be on my credit report if I voluntary gave them the vehicle.
I am now wanting to sue because of this illegal practice they did.
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11/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I paid for a class on XX/XX/XXXX using a Capital One mastercard. This class was cancelled entitling me to a full refund. The department head said she would transfer the registration to an XXXX class in the hopes that class wouldn't be cancelled. I agreed. The policy of the University XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is to send a registration confirmation confirming enrollment. I did not receive a confirmation until XX/XX/XXXX for a XX/XX/XXXX start date. Since I hadn't received a confirmation, I assumed that the class was also cancelled. The confirmation came 5 weeks after I " registered ''. To receive a full refund, the student must cancel before 10 business days of the start date of the class. The confirmation that I was enrolled was emailed 7 business days before class, making it impossible to receive a full refund. I left a message with the Associate Outreach Specialist, XXXX XXXX. She left a message saying that I wouldn't be receiving a full refund because I cancelled withing the 10 business days. I disputed the charge with Capital One, who initially credited my account {$160.00} on XX/XX/XXXX. XXXX credited my account {$130.00} on XX/XX/XXXX which is not a full refund. I received a letter from Capital One stating that the {$160.00} would be debited back to my account since XXXX provided a refund. I could provide documentation if I wanted to pursue the matter. I called on XX/XX/XXXX for information on where to send the documentation and the customer service representative send she would send me an email. I confirmed my email address with her, but never received the email. I confirmed it wasn't in my spam folder. I called again on XX/XX/XXXX at XXXX XXXX.and spoke with a supervisor who said she would resend it and again confirmed my email address. I still didn't receive it and called again at XXXX and spoke with a supervisor, XXXX. He said he would resend. I asked for the email address and he said they couldn't give me the address. They would have to send it to me because it contained links. I still haven't received it. I went to the Capital One website to " report a problem ''. I filled in the information and the message back was " We hit a snag.Something went wrong on our side and you'll have to call us at XXXX to file this dispute. It will only take a few minutes. '' I have also today checked my statement and Capital One has debited my account for the {$130.00} on XX/XX/XXXX. Capital One has not debited my account yet for the {$160.00}, but their letter said that would be forthcoming if I didn't provide documentation which I haven't been able to do because of their end. I should receive a full refund since the original class cancelled. Since I didn't receive a confirmation that I was registered for a class until it was too late to cancel substantiates that I am entitled to a full refund. I have tried 2 ways to resolve this with Capital One ; through the website and 3 calls to customer service, twice speaking with a supervisor.
I've attached the following documents : XXXX XXXX ( the date I received this email is shown as XXXX ) XXXX XXXX Registration is the attachment
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02/15/2017 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I applied to a Capital One 360 Money Market account online but during the application, it said I needed to call in to verify my identity so I faithfully followed the instructions to call in. After some waiting, a customer rep answered and proceeded to ask me for my information.
At first, it was just my name, last XXXX digits of my SSN, phone #, email and address, all of which are fairly standard. Saying that she ca n't verify my phone, she pressed for more information.. names of relatives, their DOB, address, and relationship with me. OK this is getting personal so I paused to ask how she was going to use this information.
She assured me that she would be able to identify my identity through a third party so I sheepishly continued. House or apt , what color is the house, what are the cross streets. This was getting ridiculous but I continued because I already spent 20 minutes on the call and wanted to open an account.
Where was my last address, how long have I lived in my current residence, how long in previous residence, when did I move. I had to look up some records but I answered everything. How long have I had my social security number. ... What? How am I supposed to remember that? OK I told her I was still a kid when I got it so I ca n't remember exactly when but I tried to be helpful and gave her a best estimate anyway.
A short 30 seconds waiting ensued. Then comes the news that she 's " ending the banking relationship '' with me because she ca n't verify my identity. WHAT? I asked what she meant by that and she said ca n't provide any more information and needs to " end the relationship ''. I asked if there 's any other way to open an account. She told me to go to a branch.
I explained that from my research, the account I wanted can not be opened in a branch and asked if there 's another way. She said she 'll get her supervisor. I was hopeful and thanked her. 2 minutes later, she said her supervisor is busy and that she needs to " end the relationship ''. I asked her if there 's ANY other way and whether she just needs more information. I was already worried about all the information I gave out but I was feeling desperate, especially since I spent so much effort already.
She coldly told me to go to a branch so I asked her if she can confirm whether I could open the type of account I wanted in a branch. She said she ca n't confirm that I would be able to able to open an account and that she needs to " end the relationship ''. As I tried to clarify that I was asking whether it 's even possible to open the Capital One 360 account in a branch, she hung up mid-sentence.
Feeling betrayed that I gave so much personally information out and she ca n't even answer one thing, I called back to see if I can understand the situation better. I was greeted immediately with a voice mail instead of the normal on-hold greeting. I can only assume she put my number on a blacklist.
All I wanted was to open a Capital One 360 Money Market account, but not only was I not able to accomplish this, I was interrogated like a criminal, hung up upon disrespectfully, and probably blacklisted.
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02/18/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I had a XXXX master card. I got this card initially in XXXX and it was serviced by XXXX. XXXX sold their XXXX XXXX master card portfolio to Capital One in the beginning of XXXX ( I think? ), then in XXXX this XXXX portfolio was purchased again by XXXX in XXXX of XXXX. The problem I am encountering is actually submitting the credit dispute with Capital One, because they do n't have my information and when I call the current servicer/owner of the XXXX portfolio, XXXX, they tell me they can not help me because the account was transferred to them in a " closed '' status and because capital one is the one reporting me I have to dispute it with them. They advised me that Capital One did n't send all the information they should have when they obtained the portfolio. They can give me general information, but not any information for me I need. I asked them if they could send me my statements from when Capital One serviced the account because when the card was opened I got statements from capital one electronically which was just an email from them saying, '' hey just log in online. '' Which helps me zero. All of those emails I got wont help because I cant access the links included in them because again the portfolio was sold.
Honestly this is not fair, because my credit is being impacted and I am trying to prepare to purchase a home.
I am trying to dispute XXXX, XXXX and XXXX reporting from Capital One for this card. They reported to the bureaus that I was late 30 days for XXXX, and 60 days past due for XXXX and XXXX. This was all caused because of an annual fee. This annual fee of roughly around {$50.00} reopened the XXXX capital one account AFTER it was supposed to closed.
This was a system error that Capital One eventually took ownership of and they credited back the charge and closed the account. This happened in XXXX but the reporting to the bureaus remained. Which is XXXX item I wanted to dispute.
I also wanted to dispute the account reporting in XXXX of XXXX. Which on my report shows that it was 90 days delinquent. Again this was NOT correct and is relevant to the above XXXX to XXXX dispute because Capital One sold and transferred the account in XXXX to a collection agency. Whom I paid in full.
The problem with that is that i have confirmation emails of making payments in XXXX, through XXXX. So how could I be 90 days past due? Why was I ever transferred to a collection agency in XXXX after making monthly payments each month?
Thankfully I signed up for automatic emails during this time confirming my payments each month but the sheer lack of process from both XXXX and Capital One to get this process finished has honestly been nothing but frustrating. RESPA prevents this from happening in mortgage servicing, but apparently if a credit cards are purchased between banks or financial institutions it does n't matter how the consumer is treated.
I will attach the payment emails I have received in XXXX for XXXX, XXXX and XXXX. and the credit report I disputed. XXXX was able to remove similar occurrences that happened in XXXX. When XXXX transferred the XXXX XXXX portfolio to Capital One.
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10/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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From : XXXX To : XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX Cc : XXXX ; XXXX Subject : Re : FDCPA Violation Date : Wed, XX/XX/2018 XXXX XXXX Good evening, I called the Executive Office today and spoke with someone that hung up on me.
Information Requested : DOB : XX/XX/XXXX Last 4 : XXXX On the original case that was not answered. The second person I reached indicated they would submit a new case. A letter requesting the above information was received this past Saturday XX/XX/18. This allowed three business days to respond. However speaking today with the Executive Office and being the third business day does not allow enough time for us to respond with this information.
A response a not received on the first case and appears there will not be one one this second case. Now a third case is being opened. This is unacceptable customer service /customer experience.
We request that this matter be reviewed in a timely manner.
Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX To : XXXX ; XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX Cc : XXXX Sent : Mon, XX/XX/2018 XXXX XXXX Subject : Re : FDCPA Violation Good morning , A letter with a resolution was never provided to us. Instead you moved forward with a garnishment of wages.
We spoke with the Executive Office Rep once. I received one voicemail before that.
Escalation protocols were not followed on this case.
This matter is going to be referred to the CFPB and OCC. This matter will include you mishandling of the complaint.
Best, XXXX XXXX XXXX XXXX -- -- -Original Message -- -- - From : XXXX To : XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX ; XXXX.XXXX Sent : Sun, XX/XX/2018 XXXX XXXX Subject : FDCPA Violation Dear Capital One Executive Office, Judgement paperwork was received on XX/XX/2018 in the amount of {$1800.00} by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Notification of the hearing was not provided. In addition while the account was past due / in collections, and/or with your third party collections agency you violated the FDCPA ( Fair Debt Collections Act ).
Detailed messages had been left on familys voicemails as to what the call was about ie a past due account. In addition some people had been reached and verbally was told detailed information, called multiple times, and they felt harassed.
We request that you pull and review the phones called the account was past due. Attempts to set up a payment plan and a settlement ( less than owed ) had been made on this account.
Re : Account Ending : XXXX Desired Resolution : Settle the existing judgement ( {$1800.00} ) to {$0.00} ( XXXX ) for the grief and law violations.
We hope to resolve this matter without engaging the OCC, NY Attorney General, Governor, Senator, and other regulatory agencies I.e. CFPB.
Best, XXXX XXXX XXXX ( brother ) in behalf of XXXX XXXX XXXX
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06/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
On XX/XX/XXXX or there about I noticed many of my apps that I have given permission to use my financial data no longer had access to this information. This included XXXX, XXXX and XXXX. These are apps I rely on for budgeting, saving on gas and saving money in a savings account separate from XXXX XXXX XXXX. I contacted them via XXXX CS on XX/XX/XXXX, XXXX, XXXX and XXXX. I finally received an answer from them on the XXXX stating that they had changed security protocols and that the services I used had not updated their systems to comply. XXXX and XXXX have since been able to reaccess my data although in XXXX 's case it still seems there are intermittent problems. Capital One never even responded to my concerns until I threatened a complaint and then only to state the security as I have stated. All other entities involved got in touch with me within one to two days and all of them have independently verified that XXXX XXXX XXXX has cut off access to them with little to no warning. Capital One solution is to use their apps and services and are unable to provide me with any information on when if ever they will allow these other businesses access to my data. As I have stated XXXX and XXXX seem to have solved the connection problems at least partially and I am able to use their services intermittently. XXXX has not been resolved nor have I been able to get any further information regarding this matter from XXXX XXXX XXXX. I have no outstanding issues with Capital One. I have a checking account, savings account and Line of credit all in good standing as of today. All accounts have money in them and no contractual minimum amount is required. I am frustrated with the amount of information they have been willing to provide and with the slow pace of their responses. If I cut off access to their systems and allowed my accounts to go into debt or something similar they would demand immediate attention and probably fees and fines depending on the situation. I have money invested in a broker, a separate savings account, a retirement account and other services that require access to my primary bank accounts. I don't use my HSA, broker or 401k service on a daily basis, I am afraid when those companies do need access they will no longer have it, or if XXXX is a bad player and isn't using my information and funds in a safe way I would like to know so I can act accordingly. I feel like the onus at this point is on Capital One. No one else seems to be having trouble with these companies as far as I can tell on doing independent research and speaking with customer support for the other companies I have listed. If this is not able to be resolved shortly I will have no choice but to begin moving my money to other providers who can give me access to my information and provide customer support other than to recommend I use only products and services when spending my money. I feel like I have no other resources to get assistance short of this government complaint and/or possibly some kind of court action. It's not easy to wait for answers when they have control over a large portion of your liquid assets.
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12/07/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I contacted Capitol One and my other creditors on XX/XX/XXXX concerning my credit card accounts. I had just been released from the hospital after having XXXX XXXX and was home recuperating under medical supervision. I became aware I was late making my payment due to being in the hospital. I was directed to the Special Assistance department which was supposed to help me with my hardship. I fully explained that I had been hospitalized and continued to be under doctors care and expected to be out of work for an extended period of time due to being diagnosed with XXXX. I wanted to make sure I stayed in good standing with Capitol One. They suggested that I make a minimum payment and asked when I could do that. They were surprised when I said I could make those payments right then and they accepted payments on both accounts. They enrolled me in their special assistance program at that time. They discussed the terms of the program and the penalties and sanction if I failed to meet my obligation of the program. I promised at that time to bring my account current and that I would probably pay the account in full once my XXXX and insurance benefits became available to me. I contacted Capitol One multiple times since that conversation. I kept them informed about my anticipated payments and I obtained my payoff amounts from them. On XX/XX/XXXX I contacted XXXX and paid {$1600.00} on XXXX account and {$590.00} on the other account. I had actually overpaid both accounts and had a credit on my accounts for a short time.
At no time during any of my conversations or in any correspondence from Capitol One did they disclose to me that despite enrolling in their hardship program that they intended to report my accounts as late to the credit reporting agencies. I feel they were grossly negligent and taking advantage of me while I was in a XXXX from my medical condition, the duress and stress of being diagnosed with XXXX. I believe I was less than XXXX days late on both my accounts when I contacted them the first time. By participating in their program my accounts went 30 days past due on XXXX consecutive months. Once you become XXXX days late on an account it is reported to the credit reporting agencies. Had they fully disclosed the implications of participating in their program I could have chosen to make other arrangements. I was lulled into a false sense of security by their negligent omission and now I have XXXX late payments on my credit report. I have repeatedly contacted Capitol One, and been denied and help or closure. I also had a prior complaint and talked to various representatives concerning this issue. The last representative said their decision was based on recorded calls from my original phone call to the company. I asked for them to supply me with a written transcript of that call and they said there was no written transcript. I asked to listen to the recorded conversation and I was told that is not possible. I am convinced that participating in their program caused me harm due to their negligent omission of all the pertinent facts and it only served to protect Capitol Ones intrests.
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02/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
I rented a bike to ride around XXXX, XXXX when I was there, but I had a small accident on the bike. When I was turning in a small alley, I accidentally hit the gas handle and hit the wall of XXXX XXXX store that was on the corner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Even though nothing serious happened, upon realizing I was a tourist and a chance to make moeny, the store owner demanded XXXX bahts to " fix '' the wall, which is almost {$1700.00} USD. I told him that was an unreasonable amount, but he surrounded me with his friends and local people and was yelling at me and was very aggressive. I tried to call the police, but then the owner of the bike shop that rented me the bike, who is from the XXXX XXXX and has been living in XXXX for 7 years, said that the police are corrupt and that they would likely side with the store owner even if his demand was unreasonable.
The XXXX also mentioned that the police would try to take money from me as well or they would likely put me in a monkey cell, which would ostensibly cost me far more than the XXXX bahts demanded by the pharmacy store owner. I also knew from my readings that the police are very corrupt there. So, I realized that the best of all the worst options would be to pay the store owner and get out of the country as soon as possible so I can dispute the issue from the outside, not inside of the country due to fears for my safety. Since I did not have enough money, I offered to pay with a credit card. For payment with the credit card, the store owner demanded my passport so he could take a picture of it with the receipt to make the transaction look more legitimate than it was. After taking a picture with the receipt, he refused to return the passport stating he would hold on to it until the transaction was complete. Not only was I extorted money UNDER duress, but also ended up having my passport taken away illegally. I was speechless.
After I left the country, I disputed the transaction with my bank right away and tried to explain the situation. I told them that the transaction wasnt voluntary and that I had to make it UNDER duress. My bank credited the money back, but that unethical person got the money back because he had a picture of the receipt with my passport. So, he is using my passport to make the transaction look like a legitimate one. I know for sure that when a customer makes a transaction UNDER duress, it is not a valid transaction. How can a transaction that was made under a threat to the safety of a person be considered valid? I really dont get that. I also contacted different government agencies of XXXX and the tourist police of XXXX, but they are saying I need to physically come and file a complaint, which means I have to fly over there. I dont feel comfortable going there.
I would kindly like to request CFPB to help me in getting Capital One to remove the transaction from my account. I have a perfect credit history and I wouldnt want to ruin it because of this single shady transaction. I am a struggling service member and that kind of money makes a big difference to me.
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12/12/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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Over a month, I have attempted several times to open a Capital One checking and savings account by filling out an online application, only to receive a splash page with an XXXX number to call because more information was required. Each time I called the number and was routed to the Customer Protection Resolution Team. I spoke to about 4 representatives ( 2 of whom had heavy accents and I could hardly understand their English ) and 2 supervisors. However, all their responses were consistent in stating that my request to open a checking account has been denied indefinitely because the only information their system provides is that Capital One has ended their banking relationship with me, but it does not indicate any other information as to why the account was closed, thus invoking their decision. Only one representative was able to confirm this action occurred back in 2007, but there is no specific date available in the system. Capital One also stated that I should have received correspondence in the mail regarding this action, but of course that was almost 15 years ago, and I do not remember or have those records on hand to prove anything. All the agents I spoke with admitted that the reason why they have limited information available regarding closed accounts is because they have since upgraded their systems and no longer have access to any records that far back in time. I then inquired about how my recent application could be reconsidered, since that was the case, or if there was a way to show that since 2007, I have not had any such actions taken against me with any other banking institutions. The agents and supervisors all gave the same blanket answer that nothing could be done to reverse or overturn Capital Ones decision, as it was permanent and indefinite. I have been in good standing with a Capital One credit card Ive had for many years, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my mother has a long-standing account with Capital One ( when they were XXXX XXXX ) and it would make banking easier for us as I often transfer and move money back and to her account. Therefore, it seemed like a logical decision for me to also open a checking account with Capital One. Im disappointed that they are so rigid and unforgiving in their decision given that whatever happened with my account was so long ago and they havent been able to prove or give a detailed explanation as to why. Im also disappointed that they do not offer any opportunities to remediate the issue either. Even bankruptcies fall off credit reports after 7 years! Im pretty sure that whatever happened to cause my account to be closed was not due to any fraudulent activities on my part. I may have had a financial hardship during that time, but the details are still fuzzy because its just been too long ago and so many things have changed in my life since then. I can understand being penalized for some time until I can prove to be worthy of banking with them again, but to have this red flag on my account with them forever is a stretch! Ive never had any issues opening checking or savings accounts before now.
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03/03/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I recently took out a capitol one venture card. Within 3 day of actually having the card in my possession, capitol one put the card on fraud alert. To resolve the issue they asked me to upload a copy of my social security card and drivers license ( front and back ) to a capitol one 'secure ' portal. The representative I spoke with stated capitol one gladly accepts screen shots, as though my social security card and drivers license are funny text messages I am trying to send to my XXXX XXXX XXXX nephew. I did this and the next day I received a phone call from a capitol one representative starting that if I wanted the fraud hold to be removed so that I could pay the balance on the card, I would have to go into my own personal bank and do something she referred to as a 'verbal verification '. For this verbal verification I went to my personal bank, called capitol one, and let them speak with a representative at my bank on my phone. The bank representative then gave the capitol one representative a phone number to call, at which point they ended the call on my phone and the capitol one agent called the bank representative at the number given to them. They asked the bank to confirm that I had a state authorized drivers license and to confirm that it was in fact me on the state authorized drivers license. I sent them a legitimate copy of my social security card and drivers license to capitol one under the pretense that this would resolve the problem. It eludes me at to why this was n't enough information. But to add insult to injury, the only way that crapitol one will allow me to pay off the balance remaining on the credit card is by giving them the account number to my account at my personal bank. Through all of this, every crapitol XXXX representative I 've spoken with has literally sounded like a character in the movie 'straight out of Compton ' with extremely bad grammar and interpersonal skills. I have very good credit primarily because I am graduate student with virtually no credit. The fact that the company has taken me through the ringer for a card I had for three days is astounding considering my ex felon of a fiance has XXXX capitol one cards with no issues what-so-ever. I truly believed that what happened with capitol one was n't at all for my best interest but rather unnecessary red tape set up to cover their own XXXX. Building credit to live the American dream should NOT be this difficult. I will more than likely give capitol one my account number inform my bank and put a lock on my credit. But the fact that I have to take such measures to assure that capitol one and their wonderful customer service reps do n't truly XXXX me over is discouraging to say the least and goes against all that it beautiful and consumerist in this great nation. Maybe some day when I am PhD drowning in student loan debt curing XXXX to keep the wealthy CEO 's of capitol one forever young, I will be able to laugh at how ridiculous this whole situation was. I hope, however, that swift justice will be delivered to drains on our national economy like capitol one well before any of this ever happens.
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05/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I submitted a complaint against XXXX XXXX on XX/XX/2022, via the CFPB in regards to XXXX XXXX misusing my identifying information ( known as fraud/identity theft ), how I originated the funds, and how their debt collection practices are unfair, misleading, and are falsely represented. I informed them of various consumer violations as well. I received a response from them, however, the response they made did not address the full complaint. They skipped over the majority of the complaint and only made a response to the last few sentences of the complaint where I stated " I received notification from my credit report that XXXX XXXX closed both collection accounts. Then as of XX/XX/2022, one of the collection accounts showed that is was open again and on XX/XX/2022, one of the collection accounts showed that is was removed from my report. '' They say their records indicate that the records were reported to the credit bureaus consistently, but based on the evidence I have from my credit report, that is false. XXXX XXXX ignored this evidence. Accounts can only show closed/removed if someone from XXXX XXXX furnishes that information to the credit bureaus. Them also ignoring the majority of my complaint is very unprofessional and likely that they do not have a legal rebuttal to respond with. XXXX XXXX then proceeded to respond to a claim from XX/XX/2022, though that claim was not mentioned in the XX/XX/2022 claim I would like to respond to XXXX XXXX and say that when I asked for more information about the alleged debt, the representative informed me that the cease and desist has to be lifted in order for her to speak about the details of the debt, the cease and desist was not lifted at any time before, during, or after the call, therefore she should not have stated any details of the debt, this is a violation of the FDCPA. This call was recorded so the conversation can fully be heard on what happened at that time as well. The representative also stated herself that she should not have told me what she did. If XXXX XXXX is truly in compliance with the FDCPA and other consumer laws I have cited, I would like XXXX XXXX to rebut my complaint with the law as it is intended to be used. Law can only be rebutted with law, fact and evidence. All of which can not be done because XXXX XXXX does not have any legal right to collect on this alleged debt. Statements of accounts are not legal contracts and do not give debt collectors the legal right to collect to on that alleged debt. I have no legal signed contracts with XXXX XXXX, they purchased this alleged debt in hopes of obtaining as much money back as possible from their purchase. The alleged debt is already paid for. The collection of this alleged debt is a violation of 15 USC 1692e ( 1 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ). Additionally, pursuant 15 USC 1692a ( 6 ), any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt, can not be a debt collector.
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10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Back in XXXX I defaulted on my credit cards with Capital One. I was going through a rough time because I had a complicated XXXX and had to stop working. The company charged off my accounts and sold them to XXXX XXXX XXXX, XXXX. That company turned around and sued me for the debts and harassed me for payment. I was in contact with the collection agency and tried work out payment arrangements. I was even in contact with Capital One and tried to settle and arrange payment, but they always referred me back to the collection agency.
Around XX/XX/XXXX I was able to pay both balances off in full to XXXX XXXX XXXX. I have reached out to Capital One and requested that they delete the tradelines because a ) the accounts are closed and have been paid in full, b ) the reporting doesn't accurately tell the full story, c ) once the balance was paid, they updated my report to show almost 3 years or charge off activity when previously they had stopped reporting all together which dropped my credit scores.
When I went to Capital One directly to ask that they delete the tradelines in light of me rectifying my previously delinquent status they send me back a generic auto generated letter stating they must report information to the credit bureaus accurately and can do so for 6.5 years. Seeing as I just paid my balance that means that time has been reset and that they can continue to report my charged off status until XXXX, which to me feels like cruel and unusual punishment.
When Capital One charged off my account they were allowed to write off my debt and received tax breaks from the government. When I encountered complications during my XXXX and XXXX XXXX I didn't get any breaks. No one sent me a bail out. As a matter of fact my credit cards were closed, my credit score dropped and anything that required a credit check I ended up not being able to qualify for or ended up paying more money. I pay more money on my car insurance due to my credit score. When it was time to move into a new apartment they required 3 times the rent due to my credit report/score. Having negative information on my credit report directly impacts my quality of life.
Now that I am repairing my personal credit and building my business credit, I keep getting denied for business credit because of " recent charge off/collections ''. There is no law that states that companies have to report anything to the credit bureaus. There are laws in place that state that if a company does report to the credit bureaus that they report information accurately. Those reporting 's don't tell the full story. I know that a company can decide to report information but they can also show a little grace and class and reward their customers when they pay back their accounts. And I know that it is possible because I've worked out similar agreements with other companies.
I know that I fell short of our initial payment agreement because of unforeseen events, but I think that I have made up for it, I have served my time and I deserve a second change at good credit. My request is that Capital One deletes my now closed and paid off tradelines.
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01/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I applied for a Business Credit Card " Spark Capital One '' and was unaware Capital One had reported the Business card on my personal credit report. I called the 24hr Capital One customer service number and they said they could not remove the reporting and that it was correct. Capital One told me the next step to dispute would be to email investor relations, so I did ( see attached email ). I received a call back from an Executive Response Coordinator ( ERC ) on XX/XX/20 ( Employee ID XXXX ). I explained my issue once again regarding the reporting to the personal/individual reporting agencies and I reiterated the previous email sent to the investor relations to the ERC as well. I mentioned to the ERC there wasn't anywhere in the disclosure documents ( see attached ) located on the application page online that stated Capital One reports the business credit card to the 3 credit bureaus, but the disclosure document does state that Capital One does Check ( an inquiry only ) to the business credit record and the business signers credit record and employment history, NO mentioning of reporting whatsoever, to credit reporting agencies. The ERC told me that the disclosure document on the application page online ( How I applied for the card ) did read about reporting. I asked the ERC to show me where she is reading that, she wasnt able too. The ERC then said she would call back in 7-10 business days after she reviews the account a little further. On XX/XX/20 the same ERC calls back ( with no new evidence or proof ) and proceeds to tell me that on line ix. of the same disclosure document that it reads, the business credit card reports to the individual credit agencies. The ERC further tells me, that the disclosure document reads, Exchange of credit information which is the same as reporting. The English dictionary defines/describes the two words exchange and report/reporting as two totally different meanings, and not the meaning the ERC gave me for the word exchange. The ERC also told me, that's your opinion, after I disagreed with her regarding the meanings. I replied to the ERC, its not my opinion, it just doesnt make any since. I attempted to educate the ERC, that the word exchange doesnt have the same meaning as the word report/reporting. The conversation being stonewalled at this point, I then asked for her supervisor, she said she was as high as it goes, there wasn't anyone else I could speak to about the issue. So the call ended with no resolution.
On line iv. of the same disclosure doc. States, that the business credit card is to be used solely for business purposes only and not personal ( which is only used for business purposes ). In addition to, Capital One reporting to my individual/personal credit reporting agencies, this can and is impacting my personal credit score and ratings, not to mention that the credit card is in the Business name using a federal EIN number and not an individual SS # as the other credit agencies require. All information displayed at the signing of a contract, on the contract/agreement defines the contents entirely and binds the contract/agreement.
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06/21/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am in the process of refinancing my primary residence - the 1st mortgage owes {$310000.00} and the HELOC owes about {$42000.00} ( limit {$45000.00} ). I am refinancing since my current 1st mortgage is an Interest-Only ARM payment and I want rate stability on a 30 year fixed. Thus, the HELOC would be subordinated in 2nd lien position. My plan is to pay down the current 1st mortgage to {$300000.00} and just subordinate the HELOC. The appraisal recently came in at {$430000.00}, so the LTV is 70 % and the CLTV is 79.6 %. There are 2 major problems that occured in this process of refinancing. First, when I last refinanced in XXXX XXXX, the subordination agreement was misrecorded by Capital One ( the HELOC holder ), referencing the wrong book and page number for the 1st mortgage and Deed of Trust ( 1st mortgage at time was with XXXX XXXX but soon after was transferred to XXXX ). As a result of this misrecording, the Capital One HELOC is erroneously in 1st lien position - as a result of a typo! ( I will attach the stamped subordination agreement from my last refinance in XXXX ). Capital One is not even acknowledging their error or willing to fix the problem! The second problem is that through the refinance process, Capital One is not willing to subordinate in 2nd lien position. They have a guideline that Principal and Interest can not increase on the refinance more than 10 %. They are looking at my current Interest-Only payment of $ XXXXmo and seeing the new Principal/Interest payment of {$1400.00} on the refi and saying there is more than a 10 % increase. My response is that OBVIOUSLY the payment will increase more than 10 % because we 're going from an Interest-only payment to a Principal and Interest payment! But notice here also that their 10 % guideline is not being violated, since the Principal/Interest is not increasing more than 10 % - remember that I have only been making an Interest Only payment. By the way, even if my remaining {$310000.00} on my current 1st mortgage is amortized on the current adjustable rate of 4 % yielding a {$1400.00} PI payment, my 30 year fixed refinance payment of {$1400.00} is actually LOWER in this case. This 10 % rule results in a distorted analysis, failing to account for ARMs and also not factoring into account that some borrowers are only obligated to pay Interest only currently. I honestly do not understand how Capital One believes it will be in a better position by not subordinating. Through the refinance, I will pay the loan balance down to {$300000.00} ( 70 LTV ) on a 30 year FIXED rate of 3.875 %. The resulting Principal and Interest payment is {$1400.00}. Again, even now if the remaining {$310000.00} balance is amortized on the current adjustable rate on my loan of 4 % over 30 years, the PI payment is {$1400.00}. This does not even consider that in XXXX the Interest Only period on my loan will end and the loan will actually be fully amortized over the remaining 20 years, so the payment of course will be much higher than {$1500.00}. ( I will also attach the HUD and the Interest Only Note on my 1st mortgage from XXXX when I refinanced.
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02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/XXXX, I had reached out to Capital One Travel & Rewards customer service in confusion of a misleading and misinformation advertisement.
I have used Capital One Travel & Rewards section on the sole purpose because it had promised me to that if I complete the transaction, I will earn " ( A whole dollar amount of cash '' Ex. XXXX Cash ).
Since XX/XX/XXXX, I have been completing transactions because of this advertisement.
On XX/XX/XXXX, I had contacted the customer service to figure out why I have not received any of what was promised on their website and after being transferred to multiple departments, I had finally spoken to a customer service representative who I had walked through the whole process of the transaction and he agreed to that this was correct, also provided him with screenshots of the transaction reflecting the cash rewards. The amount that was offered at the finalization of the transactions showed a whole number amount of cash being offered. ( Example is in screenshots provided ).
The agent went on to complete his notes to say that I am entitled to having an amount per booking as rewards cash back to my card. ( Please refer to the screenshot picture provided that shows statement of bookings that I had completed ).
After this, 3-4 weeks later in XX/XX/XXXX I was then called from capital one to tell me that there is no such thing that exists. When I had asked her if I could walk her through the process like I did with the agent before, she said she did not use the capital one service so she could not. After arguing with her back and forth, she had agreed to reach out to another department to escalate the matter and call me back to let me know she has done so. She did not call me back.
On XXXX, XX/XX/XXXX : I received a call from the travel rewards department from Capital One regarding this issue. She had told me the following : - She apologized for the misinformation that I was provided ( The first agent who agreed that I had walked through the process ).
-She had admitted that it was a error on their page and has been taken care of now. ( This was admit of having misinformation on the final rewards transaction page where it state I that I will " Earn [ Amount of cash ] Cash ''. and also admitting that it is not visible anymore which states an error on Capital One side. ) - When I explained my situation to her she agreed with me that the process of what I saw and how it had stated I will earn an amount of cash was definitely there and it was misleading.
I had told her I would be seeking legal advice for misrepresentation and misleading of what I was offered during these bookings. It is important to note here that I would have not used my credit card for bookings if it was not for the sum of cash that I would earn because of it.
Important note : The " Earn [ Amount of cash ] Cash '' section was being calculated as 5x the amount of the total transaction. ( This can be reflected by using the total amounts of each booking and multiplying that by 5 which would equal the [ amount of cash ] I am supposed to earn for that particular booking. )
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02/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Was on the phone with Capital One Credit Card Department after finding out my social security number has been compromised according to their XXXX and they also sent me a fraud letter. Both of my credit cards have been in good standing for many years until XXXX pandemic started - I did get sick for a while and their app kept showing me approved payments from autopay - received no notifications that stated otherwise or phone calls or notices in the postal mail. Like I mentioned earlier, XXXX showed a fraud later from Capital One stating that some unusual activity has been showing up on my account and online. Ok so I first called Capital One around XXXX XX/XX/2022 after checking my account and noticed that I owed like {$350.00} on each card for " non-payment '' and half of those were late fees per card so total would be about {$240.00} x XXXX cards = {$480.00} approximately " late '' fees. I spoke with XXXX ( badge # XXXX ) from the XXXX and she stated that " her system would not let her refund late fees '' and she wasn't from the fraud department but will get me down there to get the fees refunded. ( While I was on the phone I did make XXXX payments on both cards ) XXXX also stated she was not allowed to do a payment plan. (???? ) During the transfer, I was either hung up on or call disconnected. I called again and got to collections and spoke with XXXX ( Badge # XXXX ) and she stated that she could not do a payment plan (??? ) even though the account was closed due to fraud nor can she refund late fees regardless if there was a discrepancy on the account or app because when she tried, her system would not let her - I asked if she can transfer me to fraud department, she got me to a person named " XXXX '' which I believe wasn't even his name. XXXX said his badge number is XXXX from the XXXX and he was a " XXXX XXXX XXXX XXXX '' and there was " no one higher up than him '' I asked for the corporate number or number of his XXXX in the XXXX main location for Capital One and he said " There isn't XXXX '' then he said " I can't give that to you '' I even asked for the CEO name and he even said " I can't give that information to you ''. 'XXXX XXXX was quite rude and said the website has the corporate phone number but he eventually got it for me when I asked again. There should be a law on the number of late fees allowed on the credit card, and a law on notices sent to dispute these late fees instead of the outsourced building that takes calls giving wrong information. My cards were in GREAT standing for at least XXXX years straight until this incident. I went on the internet before sending this to find out contact information on the CEO then coincidently I found out that there was an article XXXX XXXX XXXX about even the CEO violating anti-trust laws on the month of XXXX which is the SAME day my account stated it was having issues, I can't even find a company to trust with compassion and integrity when it comes to lending. I would like a refund of these late fees due to fraud and a payment plan to pay off the remaining balance so I can pay it off and never deal with them again!!!!
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06/26/2015 |
Yes |
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Web |
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Dear Sir or Madam : Please post this so that the customers can be warned that the creditors from the credit card industry are dishonest rude unprofessional heathens that are continually adding on all kinds of fees and interest to your balance and charging you for items not purchased on your statement. Number one continually check your statements and beware if your bill is constantly going up every year and never goes down. Also I have been with XXXX Capital One, and XXXX XXXX XXXX, and XXXX and XXXX XXXX since XXXX. My creditors have refused to send me and audited statement from when I first opened the account from XXXX until present, of how many times that I actually used the card and fees and interest added to the account. Then I want to read the numbers and see if my creditors have charged me for cash advance s balance transfers fees etc. The only thing the creditors say is that the account is fine which is a lie from XXXX and send me a few statements from the year XXXX. I am not paying back {$20000.00} dollars.I have called and spoken to staff XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX and Mgment from Capital One about the problems of fees and interest with no solutions.
Do not close down your account unless you want your credit score to go down on your credit report. The creditors will not tell you this information. You can purchase the book called Debt Cures buy XXXX XXXX out of the bookstore for {$10.00} dollars or a little more. How to deal with the corrupt creditors and Debt collectors get out of debt.
The policies are corrupt and designed to keep you in bondage. I have also filed a number of complaints several times with the Consumer Financial Protection Bureau XXXX XXXX, XXXX and XXXX XXXX and XXXX XXXX with no answer. I have filed a complaint with the Better Business Bureau and called a number of times to get my minimum payment lowered. You guys did not respond until I had reported my creditors to the Federal Reserve Consumer help complaint online. This is when the Consumer Financial Protection Bureau had finally responded to my request. Capital One XXXX XXXX XXXX and XXXX XXXX have XXXX have lowered my credit limit and constantly charging me for items not purchased and adding on all kinds of fees to the account. I am not giving my creditors any more money until the the balances are much lower or disappear and I get my audited statements and do my own investigation. The general public we should boycott the credit card companies and file reports against them and not pay them there money until they take of the fees and interest and hidden charges of our accounts. March and get them closed down. There needs to be regulations on the credit card companies not to be allowed to continually adding on all kinds of fees and interest to your bill. Every month raise your minimum payment XXXX dollars and more Capital One. I have filed a complaint with the attorney general of Delaware XXXX XXXX XXXX for fraud. There will be XXXX to pay from the XXXX for fraud and taking advantage of the general public and having no programs to help the people and destroying the public. Ms XXXX
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09/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Hi, I am a Capital One Venture Credit Card consumer since XXXX and I am filing this complaint since Capital One has not refunded my ( refundable ) ticket fare even after 18 months of back and forth with their customer service. Their customer service team is manipulative and always trying to play the blame game without taking any action to help resolve my issue. ( TRIP ID : XXXX ) In XXXX of XXXX I booked a round-trip flight ticket using Capital One Travel and my miles earned on the credit card to fly from XXXX, TX to XXXX, XXXX. I am attaching the confirmation email along with this complaint for reference.
I paid the XXXX miles for the trip and booked a REFUNDABLE fare as can be validated in the confirmation email attached. I was able to take the flight to XXXX, however, while flying back, we took the mandatory XXXX XXXX 48h before departure and we XXXX XXXX. My fiance was also having symptoms and I was exposed. I contacted Capital One travel and informed them that I will not be able to take the flight from XXXX to XXXX on XX/XX/XXXX. The customer care agent said he had to talk to XXXX XXXX to get their confirmation and XXXX confirmed that their policy allows for refunds when exposed to XXXX. However, Capital One did mention it would take 2-3 weeks for the refund to reflect on my account.
So, I went ahead and booked a separate flight to fly back to USA and was hoping Capital one would refund the flight fare. It's been 18 months and I am still being made to run post to post to get my refund. Every-time I call Capital One customer service they always say they have to talk to the airlines and that the wait time will be super long so they said they will talk to the airlines and get back to me. I have gotten this answer at-least thrice but with no correspondence back from Capital One.
When I called to complain again on XX/XX/XXXX, the agent this time dismissed any activity and said that there has been no annotation on the claim since XXXX of XXXX. Which is absurd since i have called multiple times between XXXX and XXXX. She assured me she would resolve the issue. I was on hold for good 30 mins when she was supposed to talk to XXXX XXXX and figure out the issue. However, true to their nature, she decided to abruptly drop herself from the call with XXXX XXXX without realizing that my line would get connected to them. Accidentally, but luckily for me, my line was connected directly to the XXXX XXXX rep who told me very clearly that the Capital rep did not have the information to retrieve the booking with XXXX XXXX and when asked for the additional information, she just dropped off.
This is the nature of their service and who would have thought that even after 18 months, capital one would not do me the courtesy of giving the rightful refund. Fed-up with it, when I try to talk to the airline directly, they would not encourage me since I booked the ticket through Capital One and they want me to talk to capital one rep.
I have been more than patient with the Capital One folks having waited this long. But now they leave me no choice but to lodge a formal complaint with CFPB.
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10/31/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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XXXX XXXX XXXX is the attorney representing Capital One, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX bank account out in XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed.
Since the withdrawal of the levy in XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case.
XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm.
XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter.
On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. Judge stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
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05/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I need to respond to the company - CapitalOne - mailed response dated XXXX XXXX , 2017 a nd conspicuously not provided as supporting documentation as attachment to the previous complaint referenced as CFPB No. : XXXX and now closed. I am once again turned down for any assistance for hardship program. But more disappointingly - statements are made in this communication that are vehemently false and show poorly on my character and my attempts to make good faith payments. The payments may be small but I am willing to sign on for a set period of time. This is not good enough for them and now I 'm being threatened with Attorney actions. In my continuous effort to seek assistance due to hardship circumstances I find myself in at this time - which have been ongoing for the last 6 months but, as I 've stressed - are only temporary and leave me with no steady income at this time, a communication received by way of letter dated XXXX XXXX , 2017 summi ng up our last phone interaction of XXXX XXXX , 2017 has several false statements made. 1 ] XXXX XXXX , 2017 sta tes " ... our previous responses addressed your concerns and our decision has remained unchanged. '' They have not even attempted to assist by way of offering a paydown hardship agreement no any effort to freeze or lower the current APR ongoing for a determined time period which would assist me greatly. I have been able to secure hardship paydown plans through my other Credit Card companies includi ng XXXX XXXX , XXXX and XXXX XXXX XXXX . All are willing to work with me because of my positive history making payments in a timely manner always at minimum and above amount due. 2 ] XXXX XXXX , 2017 Letter states - that I asked not to be phoned. That is not true. I stated that in CapitalOne 's attem pts to return calls in response to my complaint were only calls to harass me about a payment, not provide me an option of hardship assistance. I only want to discuss how I can show good faith in making small payments toward the full balance I 've accrued - a majority of which are balances transferred from h igher APR cards during the 0 % promotional period. 0 % APR has gone up to % 23.4.
3 ] XXXX XXXX , 2017 Letter state s " ... .Per your request, as of XXXX XXXX , 2017 , we 've removed your telephone number from the account '' '' ... Currently we have no telephone number on file to reach you. '' FALSE. I received an email stating my phone number was changed in my profile. Having been a victim of identity theft, I did not trust this email and went straight into the Card Services profile and replaced my phone number. I did not give permission for them to remove my phone number as its a matter of securing my account info and I want to be notified as I 've always been. So my number is in the profile and will remain there. They can contact me whenever they feel its necessary. I am continually threatened with attorney action now and I have committed to make good on my obligation but CapitalOne practices are not allowing any assistance in this effort.
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12/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My partner and I were scheduled to fly to XXXX from XXXX XXXX in XXXX at XXXX on XXXX XX/XX/2022, and arrive in XXXX at XXXX. XXXX XXXX cancelled the flight less than XXXX hours before takeoff when we were already on the way to the airport. When we arrived, there were no other available flights to XXXX that day or the next. We were told by the XXXX XXXX staff that there might be a flight to XXXX XXXX days later.
We were told we had the option to book alternate means of travel and request reimbursement later, as according to XXXX XXXX 's cancellation policy. The only other flights out of the airport that day were XXXX flights to XXXX, and XXXX flight to XXXX. The flight to XXXX was also operated by XXXX XXXX, and would allow us to catch a second XXXX XXXX XXXX to XXXX from XXXX, and arrive at XXXX on XX/XX/XXXX. Since we had hotel reservations in XXXX and a flight to XXXX XXXX from XXXX, we decided to rebook the flights ourselves. My partner and I filed for compensation for the cost of the new flights, meals we had to purchase while waiting in the airport, and the statutory cancellation compensation.
XXXX XXXX denied all of these expenses on the ground that the flight was cancelled due to " extraordinary circumstances. '' XXXX XXXX has not replied to repeated phone and email requests for more information as to what these " extraordinary circumstances '' were. There were no XXXX XXXX labor strikes, extreme weather events, or anything else that could be classified as extraordinary that day in either XXXX or XXXX. In fact, XXXX XXXX flew their own plane from XXXX to XXXX with us on it, and then into XXXX later that night. We were never able to take the original flight which cost {$100.00}. The first leg of the replacement flight cost {$450.00}, which the XXXX XXXX staff at the airport told us would be reimbursed. Their only grounds for not reimbursing us is that the flight was cancelled due to extraordinary circumstances. Yet, they have not even provided a cursory observation of what those circumstances might be.
I disputed the cost of the new leg of the flight with Capital One on XX/XX/2022, as it was clearly covered by XXXX XXXX 's cancellation policy. On XX/XX/2022, Capital One rejected my claim because I had indeed taken the replacement flight, which was obviously not the point. They said I could appeal by submitting documents detailing the purchase and XXXX XXXX 's cancellation policy. I appealed, and the appeal was rejected on XX/XX/2022. Capital One 's appeal decision stated that I had not provided the requested documentation. I had however provided documentation, and when I tried contacting Capital One to find out what was missing, they were unable to provide any answer. The manager I spoke to admitted that the plain language of the XXXX XXXX policy should cover the new flight, but that XXXX had rejected the dispute. When I asked for even a basic explanation, the manager would not provide one. He also would not allow me to appeal again, provide new information, or give me any contact information for the team at XXXX he claimed was responsible for the decision.
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05/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I had made a series of calls to capital one about how they can not deny me an extension f my own credit. I still have the audio recording f two conversation that I had with capital one since XX/XX/22. This was the first date of pre qualification. on their website. They had initially told me that they had gotten me a pre approval fro XXXX I have a screenshot of it. once I got to the dealership, I told im not putting any money down because according to 15 USC 1605 - determination of a finance charge down payments are illegal. the representative on the phone told me that down payments are not illegal, although I had just finished telling her exactly where to find the codes, and exactly what codes her company ( capital one ) was violating.
I went to the dealership and gave them bank statements and also gave them a credit application ( which according to the bills of exchange act, and also regulation z of the truth in lending act my social security number is an open end credit card ) I explained to capital one how they had a judiciary obligation to me because they had now become my trustee 's in this consumer credit transaction ( made mention of the Common law court case XXXX XXXX XXXX ) the representative from the presidents office disregarded everything I said and proceeded to state as if had said nothing about the United States federal laws and how they had to follow them, she simply said as far as I see it capital one is in compliance with all federal and state regulations. Since she was not planning on listening to me or anything that I had to say, the phone call promptly ended. the last time that I called capital one was on XX/XX/22.
I made mention of the consumer credit transaction and how I was the originally creditor and how I was extending my credit to them.
I asked her for clarity on how I was approved and then I wasn't able to take the car that I wanted out, she was unable to answer any of those questions.
they people in the dealership, 15 USC 1681 - adverse action can not deny me an extension of my own credit, I made her aware of the she continued to redirect me to lawyer, I had been pre qualified and I was physically in the dealership and they general manger was telling me I could have walked out of the dealership the day with a vehicle but not the vehicle that I wanted.
the representative gave me the run around 15 USC 1611- knowing and willing give me inaccurate information was another code that I told her and she said that capital one was not in violation of any laws, the representative from the presidents office, even after I had made them aware of the fact that this is basically a discriminatory practice and fraud because credit is my right, as the original creditor/consumer.
she proceeded to tell me it is not against the law to require a down payment, even after I made mention of the United States codes that capital one was in violation of.
this was after being redirected all the way to the presidents office and creating a case and playing phone tag with capital one for a little over XXXX weeks now.
she mentioned a equal credit opportunity company.
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09/20/2021 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XXXX XXXX XXXX when i received a Government loan via SBA for sole proprietors ( PPP ) worth {$20000.00}.
I have been having issues with my recipient bank account ( Capital one ) for a said loan that was credited to my personal checking account. Some part of this funds were place on hold as they claim they needed to do further investigations on my account activities.
XX/XX/2021, I called back and was told my account has been frozen and no documents were requested of me to help their investigation. I have had different agents from capital one threaten me to go get a police report for them to get a statement released to me by their investigative units on why my account was closed. I eventually had to go to the police station, because I was curious to know what exactly they were basing their investigations on without requesting any form of documentation. Surprisingly, the police were equally confused as to what the bank was requesting of me, as they do not provide any service of such.
Only to realise that I have been speaking with the wrong people as claimed by a capital one bank agents I eventually got through to, I was told the bank has decided to end their relationship with me, but the account was still active and funds dropping into it for several months that I couldnt access.
Later someone else called me to mail my tax documents for the business to their fraud department XXXX, which I did. But didnt get a response or resolution from anyone afterwards.
On the XXXX of XXXX, I received my child tax credit, and called them to get update on my account because I needed to get my kids funds that the govt paid into the account, as thats is where all my funds go into from IRS. I was told I cant access any funds until investigation is done.
On XX/XX/2021 I discovered my bank account with all my funds ( {$9100.00} ) including the balance of my PPP loan were no longer available and account closed. I did not receive any notice to this regards, I called the bank and fraud number, everyone was cutting me off after keeping me on hold for at least 1hr.
When I could finally get through to the bank, I was told my account has been closed and still under investigation.
And my PPP loan balance will be returned to the lender ( XXXX XXXX XXXX ) after which whatever is due to me will be mailed to my address.
I was told to reach out to my lender, which I did, they said they do not have any activity regarding PPP loan and no funds is coming to them from any bank as they already concluded the program.
Meanwhile, my loan forgiveness has been completely approved by my lender/SBA. But my bank insist I do not qualify for the loan or forgiveness ( with no reasons reasons ) .I have been humiliated by several agents over this issue. Some screaming at me like I stole from the bank, and not providing me with any valid information on my account.
Since then till date, I have been waiting for my check mailed out to me, still no word or letter from them.
So the question now is, if the lender is not receiving this funds, who will?
Thank you for your understanding in this matter.
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06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Servicemember |
I was alerted to a fraudulent purchase on my Capital One card on XXXX and was sent a replacement card on XXXX. I was unable to activate the new card and phoned Capital One. I spoke to fraud supervisors XXXX and XXXX that day and was told that someone pretending to be me had called Capital One but wasn't able to answer the security questions asked of them so my account was frozen. XXXX asked me if I'd submitted the forms of ID they had requested and I told her no one requested that of me yet and was subsequently told that the ID had been requested from the suspicious caller. She told me to go to any local bank and have the banker call Capital One with me and verify my identity. I went to my bank ( XXXX XXXX ) on XXXX and my banker and I spoke to fraud supervisor XXXX for 45 minutes who said my identity was confirmed and my account was now unfrozen and I could use the card. The next day on XXXX I tried to use the card and it was declined. I called Capital One and spoke to supervisor XXXX who said someone pretending to be my attorney had sent them a letter and that my account had been frozen again. XXXX told me to call back the next day. I called Capital One the next day on XXXX and was told by supervisor XXXX to send a letter to General Correspondence detailing my problem, confirming that I had not retained an attorney and confirming my identification with a Driver 's License and Social Security card. I sent the letter that day dated XXXX. On XXXX I spoke to supervisor XXXX who said my letter had been received and I would receive a phone call from Capital One 's legal dept. within 72 hours which would resolve the issue- no phone call was received. On XXXX I spoke to supervisor XXXX who said I would receive a letter within the next 10 days from General Correspondence which would resolve the issue - that letter never arrived. On XXXX supervisor XXXX told me I would receive a letter within the next 3-5 days from General Correspondence - that letter never arrived. Each fraud supervisor said they were unable to unfreeze my account because they were unable to contact the General Correspondence dept. that had my letter. On XXXX I spoke to fraud supervisor manager XXXX who said that there was no phone number for the General Correspondence dept. I asked him for the phone number of the department or individual who had the authority to unfreeze my account and he said there was no such person and that their General Correspondence could not be contacted by phone and I simply have to keep waiting for a letter. I asked him for his manager 's name and contact number and he said he didn't have a manager and that the phone number was the XXXX number I had been calling for the last month. Manager XXXX confirmed that it had been more than 30 days and I had received no written correspondence from Capital One regarding my complaint. He also confirmed that I have a CREDIT on my account which I can not access because the account is frozen. He acknowledged that I am unable to either use the card, close the account, or receive the money that Capital One owes me from the credit on the account.
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08/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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I received indication from Capital One that my credit card address changed. I do not know the status as from my understanding, others in XXXX XXXX 's family. From my understanding, XXXX XXXX while paying for this card sought to move forward with commercial activities while lying or obscuring this from me. I made a copyright in her name. One is a film regarding the anti nuclear movement which she was apart of. However, from my understanding much of their exploitation stems from my own activities where there was no copyright and various groups as well as members of her family sought to find ways to degrade and essentially destroy my life. This has been going on for a shockingly long period of time. I thought frankly that the use would be that as those things obscured from me, it was her that would attempt to invalidate their use my own efforts, of which much of the circumstance stems from their various assaults, while invalidating those things and then seeking to use this credit card or other bills. For example, a student loan. However, with the change of address which I thought I thought was initiated by her - from my understanding believe that one of the individuals involved violating my privacy, that her stepson XXXX XXXX is also reading my mail. I want to know if this is true or not, and if this decision to use the XXXX XXXX was because of that. I believe some of the conflicts I may not be privy to, are smaller and may involve her family members but there here are other confirmed legal matters as well a law firm in XXXX known as XXXX has confirmed they have conflicts as well as XXXX XXXX of the law firm XXXX XXXX. XXXX XXXX of the XXXX XXXX confirmed he has in depth knowledge of the situation. However, it is not clear XXXX 's ongoing involvements. She is apart of a complaint I made with the CA auditor and was not sure if the lack of contact was due to that, as I continue to focus on this situation I need to know the details. The problem is not necessarily Capital One although I have contacted them with no response. It was not clear if beyond personal matters, they were invested in the commercial projects also as they have a venture arm. I am currently destitute, and will not relent from my current activities where my efforts and interests have been, but I do need to know if there is an attempt to use these things amidst those involved using and in fact stealing from me as well. There are several law enforcement organizations involved, a trap trace and pen register on my account. I do n't know what the status is. As stated, relations have dissolved. I do n't use the account except for revolving accounts, a website and gym membership, XXXX and credit reporting burueau but each of those things have experienced issues. From my understanding, XXXX 's involvements with the state of california have been malicious towards my own life but I do n't know if these payments are based on cognizance of my own efforts or if in fact it is representative of anything else. For example, her other family members in particular XXXX XXXX and his relatives. The account number is, XXXX.
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05/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Capital One Bank, Loan opened XX/XX/2008 XXXX mtg. Shortly after the loan was opened the financial crisis hit. I went past due almost right away and was charged off. I continued to work with the bank catching up on payments to avoid fcl. After catching up I asked the CSR why it still showed a charge off on my report. She told me they had a policy that I had to stay current for one year and until then it would show charge off. I argued that I could not refinance the house at a lesser rate and pay them off because of the charge off on my report. I was current buy they refused to change the rating. Time passed I went in and out of delq all along trying to sell the house. They hounded me at home and work even leaving message on my work recorder that they were going to forclose causing me quite the emb at work. I continued to try to sell the house but to no avail. I then became sick and was in the hospital for quite some time, my neighbors helped keep the house up and on the market but no one was buying. When I got out of the hospital I called them to tell them I was out and was going to begin to borrow from friends to bring current again.
Two days later they filed for fcl. I get it, I kept trying to sell the house and got a bid that would pay off the XXXX and the XXXX if I came up with XXXX at closing. I told them I would be a little short at closing and they told me too bad and continued the fcl. I had to file bk to stay in the house and get another place to live. I did this, they got the house in fcl. After filing bk they sent me invoices for two years for the full amount and at the bottom it said " this is not an invoice ''. So I have asked them to change or delte the account because of their FDCPA violations, their claims they were helping people during that time and they would not even short sale the account for less then XXXX, because that even after I brought the account current they refused to change it from a charge off so I could refi at a lower rate and pay them off. Capital One went out of their way to make sure I was fcl on and evicted even when they had several chances to change the rating and allow me to refi. I have disputed this with the credit reporting agencies on 6 sep occasions and asked for documents and for them to report the first date of delq and they just respond saying " investigation complete '' without sending me a thing. I dont think a person looks at the disputes I think, just like my fcl, it is all automated. I have spoken with one attorney, not retained, and he wants me to just sue them but I feel at the end of the day despite the financial crisis, despite that homes of this value would not sell I was responsible. With that said I am not responsible for robo fcl 's or robo responses to my disputes. If the will delete the account I will go about my business if they wont I will take this to court for all it is worth. The recording of the lady telling me " I better pay up or I will be out in the street '' should be worth something in front of a Jury. Once again I only want them to delte the account nothing more and nothing less. Thank you
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08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to file a formal complaint against Capital One regarding their unfair handling of a disputed transaction and their consumer-hostile fraud investigations, which are adversely affecting consumers like me. The incident in question occurred on XX/XX/2023, when I was charged three times for the same purchase by the vendor XXXX while on vacation in XXXX.
Upon noticing the discrepancy on my Capital One account, I immediately contacted their customer service to initiate a dispute for the unauthorized charges. After an initial investigation, Capital One credited my account for the disputed amount of {$60.00}. However, despite clear evidence supporting my claim, Capital One has unfairly declined to investigate further, asserting that the merchant provided information supporting the transactions.
During my attempts to resolve the matter in person with the XXXX merchant, I discovered that the error was due to the employee 's mishandling of the transaction on their handheld card terminal. Despite my efforts, the employee expressed a lack of knowledge and inability to reverse the erroneous charges on the spot, which further validates the legitimacy of my dispute.
Capital One 's refusal to continue the investigation and their insistence on reapplying the charge to my account without just cause has left me significantly disadvantaged as a consumer. The unfair treatment in this matter reflects poorly on their commitment to protecting their customers and resolving disputes in a fair and transparent manner.
Furthermore, I must bring to your attention the issue of Capital One 's hyper conservative fraud investigations. While it is essential for financial institutions to maintain secure practices, their anti-consumer approach is harming consumers. Capital One 's measures have resulted in the denial of genuine disputes like mine, where there is clear evidence of an error made by the vendor. I provided detailed statements showing the vendor charged me XXXX XXXX once, XXXX a second time and then XXXX XXXX the third time. I highlighted and showed Capital how its evident the merchant submitted a second charge for the same purchase but missing a zero and then charged the difference when charging me XXXX XXXX. While this amount is not material in the grand scheme I'm worried Capital One is unfairly pushing these mistakes on consumers. Other credit card companies offer seamless dispute investigations, online document processes, and direct phone lines to discuss disputes ; instead Capital One purposefully chooses consumer-hostile methods which serve no purpose other than discouraging consumers from pursuing remedies further. I had to find time to find a working fax machine to dispute their initial decline notice.
This hyper conservative approach not only leads to wrongful denials of legitimate claims but also creates a sense of frustration and helplessness for customers who expect their financial institution to protect their interests. It undermines the trust consumers place in their credit card company, and in turn, affects our financial well-being and peace of mind.
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07/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
After an accounting audit 2 transactions were identified that I didnt recognize from XXXX. ( 2 transactions for $ 998ea ) I must have missed it when paying my bills. Contacted CapitalOne in XXXX and filed a fraud claim. The claim was later denied and the initial credit was reversed. Contacted CapOne again # XXXX. Got Rep : XXXX she reviewed claim details couldnt help and transferred to Fraud ; Rep : XXXX- agent says claim was reversed due to my acct having been paid on time, she asks why did you pay your bill if this was fraud. It must have been an over sight. Why am I being penalized for paying on time? So if Im late paying my bills, Ill be supported when defrauded it seems. Then got transferred to Resolution dept Rep- Amber- agent had incorrect information about claim. I had to provided Case # to help her find what I was calling for. After a long long hold, agent returned and advised the claim is denied due to paid bill every month & filed over 1yr after transaction. Once again I corrected the agent because the claim was filed in XXXX and transaction is from XXXX. Requested escalation so I got transferred to a Manager. Mrg. XXXX reviewed claim and had me wait on hold again for a long time. Once he returned, he asked if any contact was attempted to this company and I explained we did try and they didnt know what I was talking about. Thats why the claim was filed asap. Nonetheless, XXXX the manager kept repeating the same as the previous agents. [ timeframe & paid bill ] Claims it is policy. I corrected him again of the dates of the transactions vs claim as he repeated that it was over 1yr. Again I told him if he looked at the claim, I called in the claim in XXXX and the transactions are from XXXX. He then changed his statement to the policy is 118days from transaction. I advised this is unacceptable, every excuse they have is incorrect and because Im a client in good standing Im being penalized for paying my bill on time. They need to take into consideration my age as well, Im XXXXyrs old and I missed these transactions. At this point Im asking for them to reconsider and to please understand that Ive been defrauded and I need help. All he kept repeating is, " Sorry, it is policy, cant help you. '' Capitol One must support the elderly, not hide behind policy. Everyone MUST see how Capital One hides behind policy and dont support their elderly customers. Other credit cards support clients for much longer than 1 year or even 118days. Ive read that the credit card companies hold on to money from companies ( merchants ) for much much longer period of time but yet the customers are not supported when those companies either scam us or even make a mistake. I even asked why wouldn't they allow me to refile and have them ask this company that charged me for proof of service so they ( CapOne ) can verify and see that the money they are holding on to is there for these kinds of situations. This whole call took over an hour and a half and I wasnt provided the support I expected and I actually feel taken advantage of for being in my XXXX 's and just being dismissed is hurtful.
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01/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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On XX/XX/2019, I deposited a check of {$2800.00} to my checking account. The balance was available the next day ; therefore, I made payments using the deposited amount. 2 days later however, the check was reversed by the bank because it was a fraudulent check. I received no notice prior to the reversal or after from the bank until I personally noticed it and called about it myself. Due to this incident, I lost {$2600.00} and have filed a complaint through CFPB about the inconvenient and unfair way the bank dealt with the situation. The response I got from the bank after filing the complaint was that this information was all in their disclosure and they were simply acting by those rules.
Having read their disclosure, I noticed that they are neglecting some of the most basic responsibilities as a financial service provider when it comes to consumer protection. Their disclosure indicates the following : " Accepting Items for Deposit [ : ] We will accept items for deposit, but act only as your agent for collection and assume no responsibility for these items, beyond the exercise of ordinary care '' " If you make the deposit in person to one of our employees, funds from the following deposits will be made available on the first business day after the day of your deposit '' " Funds you deposit by check may be delayed for a longer period under the following circumstances : We believe the check you are depositing will not be paid. '' " We may limit, refuse or return all or any part of a deposit without prior notice to you '' " Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys fees incurred by you '' From 360 Account Disclosure and Rules Governing Deposit Accounts ( https : //www.capitalone.com/bank/rules-governing/disclosures/ ) When they indicate that the balance will be available the next business day and that the check may be delayed if they believe the depositing will not be paid, they imply that the bank will do their due diligence of making sure that the check is not fraudulent. Clearly from this incident, that was not the case. Likewise, they state that they will hold no responsibility " beyond the exercise of ordinary care ''. " Ordinary care '' as a financial service should include confirming that these checks are valid before making the balance available to customers and not the other way around. Moreover, asserting that they will not make any prior notice for refusing a deposit is simply neglecting their critical responsibility as a financial service provider to inform their customers. Lastly in response to the last rule, I believe that they have acted in bad faith because their rules are misleading and violate the basic responsibility of a financial company of protecting its consumers.
In an age where devices to maintain cyber security and communication are established, the bank does little to none to offer their consumers the most basic protection. Therefore, I am filing this complaint to report that this bank is unfair and deceptive in their practices.
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12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX charged my credit card {$74.00} for XXXX XXXX XXXX on XX/XX/2019 for a monthly subscription I did not purchase or authorize. I do not have a personal computer nor did I receive any kind of receipt or information sent to me from XXXX on XX/XX/XXXX for a purchase. I sent a dispute to Capital One in XXXX when I saw the charge to my Capital One accont from my XXXX. Capital One initially credited my account in XXXX. I received a letter from Capital One dated XX/XX/2019 stating they were siding with XXXX since XXXX responded to my dispute. A copy of XXXX response was included from Capital One which is a letter stating I purchased XXXX XXXX XXXX on XX/XX/2019 and I made no attempts to cancel the subscription. Capital One reapplied XXXX to my Capital One account in XX/XX/2019 for a subscription I did not purchase.
I contacted Capital One dispute center on XX/XX/2019 after I noticed the charge from XXXX a second time. I was told that since XXXX responded than I must have purchased the product because they had my name and information. I explained approximately three years ago or longer, I did purchase products from XXXX. That does not give them the right to add a subscription whenever they feel like it. They did not provide proof that I did order, proof they sent the product to me, proof it was downloaded, or proof the product was used because I didnt. Capital Ones dispute supervisor stated since I had done business with XXXX In the past and admitted to it, I am at fault and it is not fraud and I had 30 days to respond to their XX/XX/XXXX letter and since I didnt the dispute is now permanently closed and it can not be reopened and I have to pay the amount. I explained I was transferred to XXXX, Alaska and my mail is delayed and since the dispute was initially credited to my account, I didnt notice they added the charges back to my account in XX/XX/2019. Plus, why would I make attempts to cancel a subscription I didnt order. How do you cancel something you didnt order when there is no email or receipt.
I asked Capital One dispute supervisor to close my Capital One credit card account so XXXX can no longer place charges on it because I am not paying XXXX for a product I did not purchase, did not use, and I do not have. She stated if I close my Capital One account that I will not be able to dispute any charges of any kind currently on my account. Charges applied by XXXX is not fraud because I admit to business in the past. She wanted to read me my rights if I cancel my account with Capital One which included I will not be able to reactivate my account or view any of my charges or dispute any of them. They will all be closed and final. She kept repeating are you sure you want to close Capital One account because it will be permanent and final. I stated even if my Capital One account is closed I should be able to dispute something I didnt authorize. She stated no, its final. I closed my Capital One accont not because of the measly XXXX but because this feels unethical and fraudulent on XXXX XXXX part along with XXXX. This is very poor business conduct at the very least.
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10/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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-On XX/XX/2018 I informed Capital One about one of the transactions of {$610.00} that I had made with XXXX regarding filing a dispute.
- I informed them that XXXX did not provide the services for which I paid and that they had agreed that they are going to refund me the amount after corresponding and taking up the issue with them.
- Since they had not refunded me the amount, I want to proceed with filing the chargeback.
- On XX/XX/2018 I saw the transaction charged again on my credit card.
- Upon my inquiry I was told that I had to submit the documents with regards to my correspondence with XXXX and their agreement of refunding on it.
- On XX/XX/XXXX I provided Capital One with necessary evidence to pursue the transaction with the merchant.
- The confirmed the successful receipt of the documents. And that they will not require anything more at this point. Furthermore, if any more documents are needed they will get in touch with me.
- Around XX/XX/2018 I called Capital One regarding the status of the chargeback and I was told that it is in process and that it is going to take 90 days from XX/XX/2018, which will be around XX/XX/2018.
- Moreover, I was assured that my documents were complete and that the chargeback will be refunded in my statement.
- I would like to highlight that I have never missed a payment and in fact have always paid off the outstanding in few days of credit as a bonafide customer.
- Around XX/XX/2018 my credit line was increased by {$500.00}.
- On XX/XX/2018 after waiting for all the 90 days to pass I called up Capital One again.
- After more than 1 hour of back and forth and deliberation in the dispute department with their representative XXXX I was told that my chargeback has been rejected due to lack of evidence.
- I asked him if that was the case- why was I not notified by letter or email. To which XXXX responded " I don't know ''.
- I further inquired as to why upon my inquiry I am told about this refund rejection and that I was not told about the same when I submitted my correspondence documents with the merchant.
- XXXX responded that he doesn't know about that too and that I have to resolve this directly with the merchant XXXX - I asked him to put me through their Supervisor and after 30 minutes further deliberation I was put through to a female named XXXX.
- Upon my inquiry she further told me that she has no idea of why I was not sent the documents of rejection or a letter stating the same.
- She said she will study my case and call me back within 24-72 hours.
- Todate it is over 5 days and nobody has contacted me from Capital One and I have received no correspondence regarding my chargeback.
- Instead I received a new card of pre-approved offer. Do you want to rip me off again? Just because I am a good customer and that I always paid on time. Do you want to trap me further. I need an explanation for this. Why you could not address my cast while sending me this offer.
- All my inquiries and requests have been ignored and neglected. My credit line has been misused without my knowledge and consent.
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10/05/2016 |
Yes |
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- Advertising and marketing
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Web |
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Hello. I purchased a XXXX motorcycle from XXXX XXXX XXXX and upon the contract agreement was informed of a great offer through XXXX. I filled out the application and was given enough credit to purchase the Motorcycle and a very very wonderful Maintenance/ Warranty package. My payments were consistent yet for some reason after quite a few years and numerous phone conversations the contract I signed for purchase never seemed to drop the numbers down even though I followed the payment plans of my written contract. Upon inquiry with the shop I was made to understand that XXXX changed the terms the moment we purchased items such as the afore mentioned package. I have called XXXX many many times and they tell me each time a new story about my account and now that I have fallen upon hard times the vehicle I have been paying on for an excess of 3 years is still right around the written contract agreement with no hopes of it ever getting below that as I have fallen upon reduced earnings and have gotten behind in payments. I attempted to make an offer of cash to purchase the motorcycle and to attempt an arrangement for repayment of the purchases as these items were XXXX specifically separate entities and XXXX has denied my efforts still not being able to break down my credit card transactions and give me a pay off for this motorcycle. I have like I stated a written contract for this motorcycle as a separate purchase that is suppose to have a contract price of X amount of dollars yet this organization refuses to tell me what I need to pay for the pink slip as if it is never going to happen unless I pay off the credit card which originally had nothing to do with this purchase as I would never have agreed to such a ridiculous amount of interest for a cheap old motorcycle. I have XXXX charges on my statement XXXX of which is XXXX which I have no idea if it is merchandise or motorcycle, a XXXX line item which yet again I have no idea as to the actual product and a XXXX dollar line item that has been on my statement for years. I ask and I ask repeatedly and have done so numerous times as I stated earlier yet nobody can give me a straight answer. The Motorcycle sticker price was XXXX and the contract was for X amount of months yet again, when I ask the company about it they still state to get the pink slip I must pay an excess of XXXX. I have spoken to the dealership as I am a regular there and they have stopped allowing XXXX Credit cards to be used to purchase vehicles and even tried to help me refinance but XXXX has a tight grip and is not willing to release the title unless the entire balance is paid in full and since they change terms constantly according to their agents I am starting to believe that the 25 year XXXX $ estimate within at the current rate of payment which has nothing to do with the actual contract price anymore is my reality. I feel that XXXX has not only refused to consider there are financial issues now and then with their customers, they just do not care and would rather destroy my credit even though I paid them religiously for over 3 years. Can you help me?
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10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Well, I have applied for a credit card with Capital One and they denied me an extension of my own, personal open-end consumer credit plan, with no explanation, it appears to be a breach or discrimination on their end. I filled out the application entirely and in good faith. Adverse action against a consumer is against the public statutory and regulatory codes, according to EQUAL OPPORTUNITY TO CREDIT ACT, which could be found in 15 USC 1691c, and the actions are civilly liable, pursuant to 15 USC 1692k. Capital One is subject to criminal liability for discrimination for violating 15 USC 1691, which is evidenced via the response to my application for a credit card. Capital One is in violation of 15 USC 1642 and 1681m as well as 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, Capital One required my social security number/credit card number and used it to deceptively deny me an extension of my own open-end credit plan, and i never did receive any benefit, which is two-fold an UNAUTHORIZED USE OF A CREDIT CARD and proof of fraudulent activity on behalf of Capital One. Capital One stated that the reason for denial of credit is because i don't use enough credit or have credit files and also claim in their discriminatory ADVERSE ACTION letter that " one or more of the companies on the back of this letter '' gave them the information and when i checked the back of their letter, zero companies were namef on there. The only thing on the back of the letter is a paragraph from the EQUAL OPPORTUNITY TO CREDIT ACT, Ironically, so i know they are aware of my rights and and choose to willfully and intentionally denying me credit from my own estate. Furthermore, immediately after the denial, i received notification that CREDIT ONE ran my credit because of the multiple hard inquiries that proves IDENTITY THEFT AND FRAUD because they got XXXX and I received no benefit.
That's unauthorized use of a credit card, and that reminds me of how crackheads behave towards other people, again ironic. This is identity theft and racketeering and civil conspiracy, as far i can tell. Securities frauds and embezzlement and unjust enrichment and i can list more CRIMINAL ACTIONS by credit reporting agencies and financial institutions and I'll file individual complaints for that too. If Capital One fails to reasonably attempt to resolve these matters, civil and criminal remedies, which are to be construed LIBERALLY, as per the XXXX, will naturally be the next plan of recourse, as it is only necessary and proper to justly compensate anyone for damages caused when any person acts in dishonor. When attempting to call Capital One, they make you listen to prompts to literally nowhere for 20 minutes and after those twenty minutes and twenty messages assigning banking topics to dial pad digits, you get to XXXX and XXXX, who are not XXXX and therefore lying about their identity too and thereby is not properly equipped to grasp the nature of my complaint. Or, I actually suspect theyre AI. So I decided that this should work just fine as notice.
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09/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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15 U.S. Code 1691 ( a ) ( 3 ) states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. This means the definitions and rules of construction set forth in this chapter are also applicable for the purposes of any subchapter within. 15 U.S. Code 1602 ( f ) defines the term " credit '' as the RIGHT granted by a creditor to a debtor to defer payment of a debt or to incur debt and defer payment. By denying my application, you have discriminated against my RIGHT of credit and have therefore become in violation of not only the Fair Credit Reporting Act but also the Equal Credit Opportunity act. ECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Creditors must be able to provide applicants against whom adverse action is taken with an accurate statement of reasons. The statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action. A creditor can not justify noncompliance with ECOA and Regulation Bs requirements based on the mere fact that the technology it employs to evaluate applications is too complicated or opaque to understand. Secondly in your denial letter you refer to information received on my credit report also known as a " consumer report. '' 15 U.S. Code 1681a clearly states that the term " consumer report '' does not include ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Therefore I am also requesting the information you relied on, outside of the scope of what is considered information applicable to a consumer report according to 15 U.S. Code 1681a, to discriminate against me and my right to credit. I have included this information to show that not only have you discriminated against me according to the Fair Credit Reporting Act and Equal Credit Opportunity act, you have done so based on inaccurate information. I am asking that you cease your discrimination practices and extend me a line of credit for your Capital One Spark 1 % Credit Card..
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09/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX thinks I am lying about what I am complaining about. Well, Here 's some proof enclosed that I have, including XXXX help DMs from XXXX, XXXX, XXXX, and XXXX.
XXXX said that you weren't going after me, Then how come the note from your Lawyers says " This is a attempt to collect a debt ''? They say different.
I may have attempted to drop XXXX a note with my verified info in the mail, because I knew from previous exchanges that is what you always want. I never ever saw that note you sent me. I was trying to act like I knew her so she would respond to me, because getting any kind of customer service from you is like talking to a brick wall.
It is impossible.
I honestly thought since she didn't respond to my emails writing her would get her to listen. I had no idea that note from her existed.
I was attempting to get ANYONE on your side to help me and listen. Then when you do finally I don't get notice of it. Thanks.
This fight would have never occurred if you just would have notified me of that note.
I had no idea she wrote back offering help. Your poor communication is not my fault.
I should not be restricted to only talking to you on the phone in order to get something done. I have told you over and over again that I can't do that.
This is all revenge on your part for me complaining too much.
I wanted this remedied long before now and you have always refused everything I offer.
You're demolishing my life, your demolishing my future. You couldn't care less.
Since you've gone so low to essentially call me a liar now, I have a feeling even though I have sent proof you will still call me a liar.
I know you don't listen to me at all because in XXXX 's letter she said I was to send the pictures of the front and back of the checks that were refused and sent back because they didn't have any record of them. I did send pictures of the checks along with the first complaint in XXXX. She didn't even bother to look at the proof I sent.
You don't care, you don't listen. You would rather see me in trouble then try to remedy anything.
You have blamed me for everything and I truly believe this is revenge for complaining so much.
If you would have just helped me back in XXXX and solved this then, we would both be happy.
I had told her I wanted the debt cleared and off my credit report because of the letter I got from XXXX XXXX XXXX. She didn't acknowledge anything and just said " all the info is correct ''. Not what I asked, and she knew it.
No one listens.
Don't acknowledge=does n't exist. That is how Capital One works. Also, blame the customer NO MATTER WHAT.
I always wanted a settlement but since I hadn't heard from you at all I was attempting to negotiate ANYTHING so it would be on the books. Not fair that you are turning it around to blame me.
This is all revenge because I complained too much.
You've drug this on for nearly a year. It's enough. Fix this.
You've kept me in the dark on purpose. All of this was unnecessary.
I have already sent a note to the FIRM and a note to your address in XXXX XXXX XXXX.
Do not contact me by phone.
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06/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Capital One reported a payment being late more than 30 days, to all 3 major credit bureaus, plus another bureau, not well known. I called a few times, they kept giving me the runaround, they were not able to provide me with the amount " being late '' over 30 days, when due date was and when I made the late payment ( late over 30 days ). They opened an investigation, after which they sent a letter stating that they maintained their initial opinion. My account is on automatic payment. I had a few returned large payments ( I entered the wrong bank account ) but nevertheless I made smaller payments which did go through and covered the minimum payment. My credit dropped 80 points. I am a real estate investor and I can not get a mortgage now. I am also a XXXX and should I decide to buy a dental practice to have a few people working for me, I will not be able to get a loan. One of their supervisors named XXXX was more reasonable, but he did not call me back as promised. They refuse to tell me which payment was " late '' and last time I called they said their decision was final. The only reason they gave me was a bounced payment. They said the payment bounced, so I was late, but that is incorrect, because just one of the 2 payments was returned by the bank When I said : If my minimum payment is XXXX for example, and I pay XXXX ( rejected by my bank ) but I also pay XXXX which is honored, before the due date, that means that I DID make the minimum payment. Was like talking to the walls. They are acting in bad faith and do not want to accept they were wrong. XXXX said that even though the statement ending XX/XX/XXXX shows XXXX minimum due XX/XX/XXXX, I was supposed to make a payment, because of XX/XX/XXXX Returned Online ACH Payment {$7900.00}. I told the supervisor ( XXXX ) : OK, according your own ruler minimum payment would be 1 % of {$7900.00}, which is XXXX dollars. I paid XXXX dollars on XX/XX/XXXX, that is 2 days late, not over 30 days!!. He said yes, but there were interest charges, that was false because that balance was subject to zero percent APR during that billing cycle ( I used a promotion, see screenshot ). He said he will ask a few people and call back, he never did call me back. Please look at the statements. The payments marked with red! did not go through, but nevertheless ALL the other payments met or exceeded the minimum payment requirement. I was never late over 30 days, I am on auto-pay also. The statement ending XX/XX/XXXX showed XXXX minimum due XX/XX/XXXX, they did not use autopay to get what was due from my XXXX account, did not call or send a letter saying that I do have to pay more than XXXX due to the bounced payment of {$7900.00}. I paid XXXX XX/XX/XXXX, which is 2 days after XX/XX/XXXX, 2 days is NOT over 30 days late, even if a payment was due. I included the statement, payment history and screenshots in a single zip file, capitaloneruinedmycredit.zip, please unzip. Since you are forwarding this to Capital One, I want them to know that I am losing a lot of sleep over this, it really bugs me, and I hired an attorney to look into this matter
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02/13/2017 |
Yes |
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Web |
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I filed a legitimate dispute with XXXX XXXX 's dispute department over a purchase with a vendor who stalled out of time within the warranty period of the item purchased. I had provided all the necessary information and documents that XXXX XXXX 's dispute department had requested to properly resolve the dispute and reverse the charge made by the vendor. However, after following up with XXXX XXXX dispute department several times about the status of this case, I was given a different reason each time for not resolving the case in my favor. The first time I was told by XXXX representative that " the original point of sale receipt, and second party opinion was not submitted ", therefore the case was not ruled in my favor. I was confident that I submitted all this info, because I had actually confirmed the info was successfully submitted with a XXXX XXXX representative on the phone at the time of submission. So knowing that XXXX XXXX was fraudulently lying about the desision not to rule in my favor, I decided to contact XXXX once again about the status of the dispute. Of course I reached a different XXXX XXXX representative and this XXXX told me the reason for not ruling in my favor was because the warranty of the item purchased had expired before the case was submitted to them, even though I had opened the dispute with XXXX XXXX within the 1 year warranty of receiving the item from the vendor. So knowing this was also an illegitimate excuse by XXXX XXXX, I decided to call them back once again to see if their story changes again. Because a story that is n't consistent is a DECEPTIVE LIE. Upon the third time of contacting XXXX XXXX I was told that the case was not ruled in my favor because I did not attempt to resolve the case first with the vendor to return the item. I had told XXXX ones disputes representative several times while the case was being made, that the vendor had stalled out of their warranty period by not responding to my calls to them regarding return of the item within the warranty period. So this was the 3rd lie XXXX XXXX presented to me regarding the denial of favor in my case. It is also worth mentioning that I was disconnected by XXXX XXXX reps several times with no apparent reason, resulting in me calling back again to start the process over with a completely different representative who knew nothing prior to what was previously discussed. I want the total purchase amount of this item credited back to my statement balance due to XXXX XXXX 's incompetence and lack of will to successfully resolve the case and void the transaction made by the vendor. For reference, the final XXXX XXXX representative that I had contacted to resolve the case, pay off the correct statement balance without the disputed charge, and avoid interest over illegitimate dispute charges was XXXX : employee # XXXX. She opted not to correct the balance, so I could not make a full monthly payment to avoid interest charges. She told me to call the federal authority, as she supposedly has no power within XXXX XXXX to correct statement balances, even though she is an account supervisor.
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07/30/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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I called into Capital One 's executive office to request a reconsideration of my credit line increase request placed online on XXXX/XXXX/15. I was informed by XXXX from there execuitive resolutions team that a new manual credit line increase application could be submitted and that they would do a soft pull on my credit. I agreed and I requested a credit line increase to {$25000.00}. A few days went by and I noticed that my credit line was increase by {$1500.00} to {$12000.00}. I called back in and the pin code that XXXX had given me to get to the executive resolutions team no longer worked. I spoke to a few associates who got me over to XXXX who was the senior account supervisor/senior customer advocate for capital one. When I asked to be connected back to the executive resolutions team she informed me that it was n't an appropriate call to go to there office. I asked her if she could have a letter sent out to me like in the past that explains why my credit line was not increased to the requested amount. She put me on hold for quite a long time and came back and said that the executive resolution team does not provide that information. I explained that in the past that I received that from them. She called back again and was told that reasons are only provided when a customer chooses not to accept a partial credit line increase. So I asked to be transferred again to that department so that I could re-apply for an additional manual credit line increase request and this time I would inform them that I would not accept a partial credit line increase so that I could get a letter that tells me why I did not qualify. 6 months ago when I have placed this request I was able to get a letter and the letter said I did not qualify because I did not have similar credit lines with other lenders. Now that I have had similar credit lines with other creditors I was n't to see why they will not approve me for the requested credit amount.
XXXX reiterated that I did not qualify at this time as the credit line increase was only approved for a partial amount and stated that it was " the highest I qualified for ''. I indicated that the Equal credit opportunity act requires that my application be taken. She indicated that she could get me over to the automated system to fill out the request. I told her that I already did that on XXXX and the system will not approve any requests for a credit line increase if you have had a change in credit line in the past 6 months which was confirmed with there executive resolutions team. That it was a violation of my rights to not transfer me to the team to apply for the manual credit line increase was discouraging and refusing to take my application for credit. If they allow one customer to go through this process they must let all customers go through the process every time they request it.
When I asked her if she was refusing to let me speak with someone who could place the request she reiterated she did not believe that it was appropriate for her to transfer me to the executive resolutions team. This is a clear violation of fair lending laws.
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12/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have three checking accounts, one savings account and two credit cards with capital one. I am currently overseas. First week of XXXX I could not login to my online account because it kept saying to verify a code sent to my US phone number. My US phone number would not work here overseas. Capital One 360 manager said I can't login to my online account until I come back to USA and confirm the text code. I called again. This time the manager from 360 account transferred the call to the security team. The operator from the security team said that if she can verify me manually there should not be any issues for me to login to my account. She sent me a secured link to upload my driver license and she confirmed that I have been successfully verified and sent me a temporary password and I was again able to login and reset my password. Few weeks later it stopped me again from logging in, again same issue asking me to confirm the text code sent to my US phone number. I again called capital one and the female operator from the security team again sends me the same link to upload my driver license and says I have been successfully verified. She said she will transfer the call to a manager at 360 and said the manager would now be able to give me access to my online account because she has been able to fully verify me already. So the call was transferred. The 360 manager said I can't get access to my online account. I told her that the operator from the security team just now verified me but she was adamant that she would not give me access to my online account. What kind of harassment is this!? I called capital one a number of times after that but everyone said I would not get access to my online account. I told them that on XXXX XXXX the security team member did give me access to my online account after verifying me manually. But this time they were all adamant that no online access for me whatsoever. One manager said if I keep travelling, 360 account is not for me, he said capital one is a local bank and not meant for people who keeps travelling every now and then. I couldn't believe my own ears, a manager at 360 telling me that. This was the most absurd and ridiculous thing I have ever come across with my banking in my whole entire life - you go overseas, you lose access to your online account. This must be a Capital One speciality.
Since I don't have access to my online account, I decided to place a temporary lock on my credit cards for safety. The manger from the credit card team confirmed me on the phone that he has placed a temporary lock on both my credit cards but refused to confirm that to me in writing.
It's my fault I opened an account with Capital One. I am not worried about my checking accounts and savings account no more because I have transfered out all my money and I would never bank with capital one ever again. Lesson learnt.
But I can't close my credit cards and so I would still need online access for my credit cards. I would also require a written confirmation that both my credit cards have no balance owing in them and both are temporary locked.
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11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
I have been a Capital one card holder since XXXX I noticed a charge of {$2500.00} on my card dated XX/XX/XXXX that I had not authorized. I immediately called the company to let them know I did not make the charge. Capital One issued a credit for the amount, and opened an investigation. I received a letter from Capital One on XX/XX/XXXX stating that the investigation " ... is now resolved '' and " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' XXXX the same day they charged my credit card the {$2500.00} again and sent another letter that said, " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' When I called to determine more information about their " investigation '' all they would tell me is that the merchant, XXXX XXXX provided emails showing that I had corresponded with them on my email account. The representative I spoke with stated that they assumed the charge was legitimate because a merchant wouldn't have my information, and especially my email if it was fraud. I explained to them that I looked for the emails that the merchant was alleging I had with them, but there was no record of any correspondence in the email account they were providing as " proof '' and that I did not delete any emails in my account. I explained that it would be simple for a fraudulent merchant to spoof emails, especially if they were only providing printed copies. This is especially true due to the XXXX data breach of Capital One of more than XXXX XXXX accounts. I asked for copies of these emails and they refused to provide them to me. They also indicated to me that I placed the order at XXXX. I explained to them that this website doesn't exist - it redirects to XXXX where it is offered for sale. The Internet archive ( XXXX ) shows that this domain has not had a legitimate website for years. Capital One alleges that I placed the order and was charged on XX/XX/XXXX, but allegedly received the merchandise on XX/XX/XXXX at my address. They did not seem to care that a merchant took XXXX weeks after an item was delivered to charge my card. Furthermore, they allege that what I ordered was a reclining sofa. Due to supply chain issues, sofa 's are being delivered XXXX months after they are ordered, not XXXX weeks before. I explained all these things to Capital One on that phone call and in subsequent letters, but they refuse to take the fraudulent charge off of my card. They also refuse to provide any proof that I ordered the merchandise or that I received it. Perhaps they know they can't, because I did not order it, nor did I receive it. I have never heard of XXXX XXXX until I saw the charge on XX/XX/XXXX on my card. Capital One won't even give me any information on the company, other than to tell me I should write to XXXX to challenge the charge. I am not going to negotiate with a bunch of criminals! How can Capital One ( or any credit card company ) get away with slapping a fraudulent charge on someone's account without any proof at all that I made the charge?
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07/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
This letter is in response to Capital One and XXXX XXXX XXXX. I entered a verbal contract with XXXX XXXX XXXX on X/X/2017 that they would lower my total loan balance from {$61000.00} to {$480000.00}. This would lower my payments to {$400.00} a month. I paid a {$1000.00} fee for this on my Capital One account via email. I signed a release letting XXXX have access to look at my Student loans to complete this process. As soon as I signed the release it was deleted from my email and I was unable to ever open the document again. XXXX later informed me that neither of these things would happen. My total student loans were not lowered at all and they could not lower my monthly payment to anything less then {$680.00} a month. This was unacceptable and a refund was asked for. XXXX eventually agreed to refund my money, but never provided the refund. Several calls and messages were left and every time I actually spoke with someone I was told that the refund was in process. Then the number quit working. I disputed the charge with Capital One, but I did not have full information from XXXX, as all I had was a verbal agreement. Capital One produced a contract that they said I signed. I did not sign a contract with XXXX and this was told to Capital One. Capital One decided that they would not do anything about the charge because of the contract. They sent me a copy of the contract that I had never seen until it was sent to me by Capital One. Once Capital One sent me a copy of the contract I then had more contact information for XXXX so I again contacted XXXX. XXXX agreed to cancel the charge. I spent many, many phone calls and time speaking with customer serviceat Capital One, but since they already said they would not cancel the charge I was left with it. I tried to get them to call XXXX with me so we could take care of the issue, I was put on hold for a long time then told my case was closed. I informed them I had a voice mail stating that I was getting the refund. Capital One did not want to do anything and told me to wait for the refund. Capital one and I have had a bad relationship as several months prior to this I had paid off my account ( as I do most every month ) only to get a credit to my account later from an item I returned. The refund was on my account for a month then the credit disappeared. Capital one said they sent me a check that I never received. Nor did they ever mention to me that they had or were going to send me a check. I did get the rest of my mail and ALL of my statements. Including my next statement that had a new charge, but no credit. I spent again many, many phone calls and hours with their customer service trying to get my money that had just disappeared from my account. This took MONTHS and more phone calls then I can count. Several months later they did eventually send me the check. Before this incident I had an excellent credit score, I had NEVER made even so much as a late payment to any of my credit cards, including my Capital One card that has a {$20000.00} limit. The only balance on that card is this disputed charge, and associated fees.
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06/23/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX, 2023 at around XXXX I deposited {$1900.00} into a capital one atm located in XXXX in the town of XXXX Massachusetts. I had planned on depositing {$2500.00}, I had counted it before I went into the store and right in front of the atm. So I split the cash to what looked to be half of it so I dont overstuff the atm all at once. Was planning to put 2 separate stacks into the atm. The stack I pulled aside was mostly {$20.00} bills so it looked like half. And when I counted it to deposit the rest into the atm it came out to {$540.00}. And saw on the screen the atm only counted {$1400.00} from the first stack I deposited which was absolutely wrong. It shouldve been {$1900.00} after I counted what was left over. so I was {$510.00} short. Now I thought the atm mightve mis-counted because I mightve put more bills then the atm can take at once. So I deposited the money even tho it was short and put the rest of the money I planned to deposit into my wallet so I didnt have any more problems and called capital one customer service the morning after because their website said that customer service was already closed that night. I received an email on XX/XX/XXXX at XXXX saying they received my claim. And on XX/XX/XXXX at XXXX they emailed me saying I have a temporary credit of {$510.00} in my account. So then the claim is made and on XX/XX/XXXX at XXXX I get an email saying that my atm claim was denied because our review of atm systems and records show the transaction posted correctly. So I called them the same day I believe on XX/XX/XXXX or XX/XX/XXXX for them to take another look and to send me what information they used to come to that conclusion. And on XX/XX/XXXX all they sent to me to show what they used to make the decision was the atm records which showed that I only deposited {$1400.00}. I dont think they looked at anything further then the reports and my thoughts are if the machine messed up my transaction obviously its gon na show what it told me on its records right? So again on XX/XX/XXXX I email them back asking to reopen the case and send me any new information they used to make there decision. On XX/XX/XXXX at XXXX I received an email from them stating, We finished looking into your dispute ( s ), and your claim has been denied because our review of ATM systems and records show the transaction posted correctly. I received this email with no documents attached to show me what additional resources or information they used. And received the exact same email again on XX/XX/XXXX at XXXX. With no documents attached. I called them on XX/XX/XXXX and spoke to them for almost an hour trying to get an explanation for it and asking why they are only going off the atm records. Hour of conversation went no where all they told me is they can not reopen the case and that theres nothing else they can do about it. And that I was wrong and they were right. I even spoke to a supervisor or a manager and they told me the same thing. No additional documents provided to show if they investigated the case any deeper. Im left hanging {$510.00} shorter then I should be.
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02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
I tendered payment via an XXXX negotiable instrument in the form of postal money order XXXX in the amount of {$XXXX} to my Platinum account in accordance with XXXX, UCC 3-603 and UCC 3-311. They accepted my instrument and tendered it for {$XXXX}, but did not credit my account properly. I spoke to them on the phone ( recording attached to previous complaint with XXXX # XXXX ) and they refused to apply the proper payment, even though they admitted they accept legal tender, which is what I gave them. This is a dishonor and against the law. Congress has the constitutional power to make the Treasury notes of the United States a legal tender in payment of private debts, in time of peace as well as in time of war. See ; Supreme Court Case Legal Tender Cases, 110 U.S. 421 ( 1884 ). USPS money order is equivalent to a promissory note by public law.
I submitted a private complaint with CFPB on XX/XX/XXXX for Capital One. They responded on XX/XX/XXXX that they needed more time. On XX/XX/XXXX I made another payment to both Capital One accounts, although my account is already paid in full via the legal tender they accepted and cashed on XX/XX/XXXX. On XX/XX/XXXX I received a letter via USPS mail from Capital One XXXX that both of my Capital One Accounts are closed but still open for payments. Capital one is in direct violation of public law and UCC 3-603 ( b ) when Capital One accepted the legal tender by cashing the money order and then closing my account. XXXX XXXX ( b ) states " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates ''.
I have not broken any cardmember service agreements as Capital One stated in their letter ( see attachments ). Capital One Bank cashed the Negotiable Instrument for {$XXXX} and retaining it constitutes accord and satisfaction, See ; Supreme Court cases Lovorn v. Iron Woods Products Corp., 362 So.2d 196, 197 ( Miss. XXXX ) and T.C. COOK & Mack Hicks, d/b/a Cook 's Crossing Auto Center v. Jack BOWIE , et al XXXX ( Rehearing Denied ) Capital Ones Failure to Notice, Acknowledge and/or Understand the Verbiage does not change the provisions of Accord and Satisfaction. See ; Mc Mahon Food Corp. v. Burger Dairy Co., C.A.7 ( Ill. ) XXXX 103 F.3d 1307, ( rehearing Denied ) Capital One is an LLC that must abide by the Uniform Commercial Code ; The entire taxing and monetary systems are hereby placed under the U.C.C. '' ( Uniform Commercial Code ) '' - The Federal Tax Lien Act of 1966 I have the right to negotiate the money order that I purchased with written provisions that satisfied the debt without levy of my account. UCC 3-114 sates that " If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers ''.
I have attached the Laws and Codes for your review.
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06/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX /3 requests Social Security number : XXXX Date of Birth XX/XX/XXXX -- -- Telephone number XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX Capital One XXXX XXXX XXXX XXXX , North Carolina, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , IA, XXXX Federal Trade Commission XXXX XXXX XXXX , XXXX XXXX , DC, XXXX Account number # XXXX To Whom It May Concern, I am writing in regards to a late payment on XX/XX/XXXX for Capital One Credit Card account.
I sent a letter dispute to Capital one on XX/XX/XXXX requesting a validation of debt. They responded to me by indicating that I do not owe them any money at the current time and they have requested that my account was at a {$0.00} balance. They provided me in writing that they were going to delete any and all information from my credit report. The late payment has not been deleted from my credit report. This agency indicated that they were going to delete all historical information from my credit report. At this current time this account still remains on my credit report. Im requesting that this information be removed from my credit report.
I have provided all information that is needed to settle the above dispute. I am requesting that all negative information be removed from my credit report regarding this inquiry on my credit report. I am requesting that this information be looked at provided with the most attention. Please request debt verification from this company. I have called your agency and they indicated that this account number is not the accurate account number that is with this account. Im requesting for a debt validation with this account. This company has stated that on XX/XX/XXXX that they had sold the account and they would take this information off of my account. This account was deleted from XXXX , and XXXX . XXXX is the only bureau that this account is showing own. A letter was received by this company. On XX/XX/XXXX . This company has not deleted this account like they advised me that they were going to delete. I have called this company and they indicated that they were in the process of doing an investigation. I requested that all historical negative information deleted from my account. It is upsetting that this company tells me one thing but actually does another thing. This information is currently on their letterhead. If this company has advised me of that information they should honor their response. Im requesting this information be deleted from my account.
If this account can not be deleted Im requesting the following information be provided to me for debt verification. Please respond to my request. Im requesting that your company contact XXXX all historical negative information.
Attached is a letters from Capital One.
This debt will also be referred to the Fair Credit Billing Act- Title 15, Chapter 41. The Fair Debt Collection Practice Act, U.S.C., Title 15, Section 1692, Public Law 95-109. Consumer Credit Reporting Act of 1996, U.S.C., Title 15, Section 1601, Public Law 104-205
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03/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I made a payment to capital one. I have a minimal {$300.00} limit, They FROZE my card due to " fraud " this is also not the only time this has happened. There was NO FRAUD on this account and I proved it. This happened in XXXX or XXXX and I spent 4 hours trying to fix it but did not make a large complaint then trying to be a good consumer. I called on XXXX when I noticed I couldn't use my credit card even though I have available credit of {$45.00} I couldn't use it, I needed to buy gas to get around and run errands. I spoke to an agent at XXXX XXXX and they said I needed to call back after they already had me on hold for 15 mins I said I understand and was annoyed but figured I could call later. I called capital one around XXXX XXXX and got transferred to the fraud department were they didn't tell me why just said I needed to " verify the accounts on file " I verified the payments made and then was told we need to call each bank ( 3 banks on file I use to make payments.that is my right as a consumer ) to verify I own the bank accounts even though one of them was with capital one them selves. I sat on the phone for a 1 hour and 15 min with the rep and when asked for a manager I was told that I needed to do the process all over again. The bank information they were trying to verify was clearly me, but I am still on the phone with them for 2 hours and 45 mins. Then the manager told me I had to call the bank with them all over again, we did with capital one first, the first rep hung up on me the second was fine, we then tried to call the second bank ( XXXX XXXX ) and she wouldn't call them because I said I could three way the call because Capital one couldn't three way the call, they had no reason why maybe tech issues no clue no reason given, but that's a lie because the rep prior DID ALLOW me to three the calls from my line- all calls are recorded so I have proof she allowed it, MISS LEADING INFORMATION, when we got to the last verification is was on a XXXX XXXX card and there are no reps to call on XXXX XXXX so the rep had me download docs for 30 mins. I want a refund for my time spent on the phone for almost 3 hours as well as then to pay for my calls per min 180 mins I have spent on, minimum. XXXX cents per min on XXXX x 180 mins I want sent to me ... ...... When I asked the manager to release my available credit she started to say no until I yelled. My blood pressure was up XXXX talking to these reps I had to sit down, I also want to be reimbursed for them misleading information one rep telling me yes and one telling me no, also I want to be reimbursed for the fact that they keep assuming and accusing me of fraud, I would and have never been fraudulent. At the end of the call at XXXX she finally said ( manager name XXXX ) she will clear the available credit XXXX XXXX XXXX was the customer line. I was given misleading information and treated like a criminal. I would like to be reimbursed for the illegal actions they did today. FINAL TIME WAS 2 hour and 45 min. Laws Broken - fairness and transparency, misleading info, uddapp, illegally stating I was fraud.
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06/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I'm a federally protected consumer and my rights have been violated by Capital One. On XX/XX/XXXX I mailed a tender of payment in the amount of {$400.00} via a postal money order, certified mail, with a green return receipt. That payment was delivered to Capital One payment center and signed for on XX/XX/XXXX. On XX/XX/XXXX a credit of {$1.00} was applied to my account. On XX/XX/XXXX I called member care to address the issue. I was told by the agent that the credit was applied properly. I asked the agent if Capital One follows Federal and State laws and she said yes. I then explained to her the federal and state laws concerning tender of payment and she didn't know what I was referring to. I asked her if the call was being recorded and she said yes. I informed her that I was recording as well and she told me that I couldn't and if I didn't stop she would end the call. I asked to speak with a supervisor so she transferred me. When I was connected to the supervisor I explained my issue and I explained how the other agent tried to end the call because I was recording. The supervisor then told me that its company policy for Capital One employees to not let themselves be recorded by customers and then she terminated the call. What type of shady business practices does a company commit if it trains it's employees to not let themselves be recorded!? On XX/XX/XXXX I mailed in a billing error notice to Capital One 's billing error resolution department via certified mail with a green return receipt. The billing error was delivered on XX/XX/XXXX. As of XX/XX/XXXX my issue has not been resolved and Capital One hasn't followed the requirements of 12 CFR 1026.13 Billing Error Resolution. According to 12 CFR 1026.13 Capital One is supposed to send and acknowledgment of my notice within 30 days, conduct an investigation within 2 billing cycles, and stop all collection attempts on the amount in error. Capital One is also required by law not to restrict the account in question until the investigation is complete. After their investigation they are required to correct the error and mail a correction notice. If there was no error, they are required to mail me an explanation of why no error occurred, documentary evidence, and allow me 10 days to make a payment. Instead Capital One has ignored my letter, continued collection attempts, restricted my account, and charged me late fees and interest fees. Capital One has intentionally violated my federally protected consumer rights. They have demonstrated that they do not follow Florida statutes, the Code of Federal Regulations, the Uniform Commercial Codes, or the United States Codes. This is extortion, fraud, and interference with commerce which is a felony under the RICO act! I did everything I was required to do by law to make payment and to report a billing error, but I am still a victim to Capital One 's illegal and shady business practices. I sent everything certified mail, I have receipts, signed green slips, hardcopies, photo evidence, and recorded phone calls with Capital One member care agents. I will be seeking remedy.
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06/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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At the review of my account I noticed that they were for transactions to an individual named XXXX XXXX that I do not know. That person should not have funds from my account so I called capital one 360 bank and alerted them of the four transactions dated XX/XX/2022 for {$200.00} XX/XX/XXXX for {$480.00}. XX/XX/XXXX for {$410.00} and the last one XX/XX/XXXX for {$270.00}. I disputed each one of these transactions with capital one 360 bank saying that these are fraudulent transactions. I provided them with the Police report which I will attach a picture of the case number provided to me by the deputy of XXXX XXXX XXXX Florida. So I am filing criminal charges against XXXX XXXX for stealing my money. capital One covered up the fact that I sent a police report and denied 2 of my claims I called in and they told me to were open and 2 were closed and that they seen all the wrongs done in this dispute and they see the conflicting notes and that theyre reopening those two claims and then not to worry I will have the credits within 10 days. This this was a lie I called back in at the ten day and they denied the other two claims the following week and they claim to never ever had the police report. That is the reason why they denied my disputes. Now it comes back later that they now have my police report and that theyre reopening the claims and investigating it but theyre being really rude they lied to me over and over again and they explain to me on the phone one evening on XXXX 2022 at XXXXXX/XX/XXXXEastern standard time on a recorded line with Capital One it was explained to me by a supervisor in there claims department that the reason this was denied was based upon my behavior at the reason I was denied was because I have gotten in previous arguments with other dispute supervisors because of all the lies they were telling. they told me that evening at XXXXXX/XX/XXXXthat my claims were denied because of this is behavior-based. They did not like my behavior. Meaning I was rude to some of their employees because they lied about my money being stolen and having a police report when theyve had it since the first day I made the claims. This whole thing is going out of control and Ive written letters to the president regarding this matter and I had someone from the credit card side of capital One call me back but never had anyone from the BANK side of capital One ever call me. So far my claims have been tonight are denied. capital One Bank has let someone a known criminal who has warrants steal my money they lied about the process and they have discriminated against me in the process. They told me it was first it was one of two days to get my credit they didnt .then two days it was one to 10 days to get my credit then they denied to the four claims just so they didnt have to give me the credit in the 10 days and then hide the fact that they were hiding my police report and they just didnt like my attitude. This is by far the worst ethics Ive ever seen by a bank it is horrible that Im fighting with them for my money when it is stolen attached is a police report thank you
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10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT from a closed 2017 credit card account from Capital One that are incorrect. The account was never late. I contact capital one about removing the late payments considering I have a long standing relationship with them. A representative informed me to send a picture of the account reporting late to the credit bureaus because it is to old to be pulled up in their system along with written instructions to delete the late payments and it should be immediately updated to 100 % payment history. I sent the requested info and Capital One reported another fraudulent late payment on top of the two from 2017 I was initially disputing. Capital one is in CLEAR VIOLATION OF THE LAW! The FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is Capital One. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENTS FROM the closed Capital One 2017 account MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the LATE PAYMENTS which are in violation by being REPORTED and keep the account. Capital One is also in violation of 15 U.S. Code 1666b - Timing of payments where it clearly states, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
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11/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased from XXXX on XX/XX/XXXX at XXXX and paid {$190.00} for what they advertised as " Consumer Leads '' with my CapitalOne credit card. But when I found they are just data not " Consumer Leads '', I cancelled right away on XX/XX/XXXX at XXXX.
Leads mean people who opted-in & agreed to be contacted ( has IP, Join Date & Lead type filter to prove their consent ) XXXXThese are just peoples data, ( No Opt-in IP, Join Date & Lead type filter ). ( Not TCPA compliant! ) I called XXXX at XXXX for their misleading advertisement & to ask for a refund but no one answered.
I called CapitalOne to dispute the {$190.00}. They did a purchase adjustment - {$190.00} on XX/XX/XXXX, but then I got charged again {$190.00} on XX/XX/XXXX and got an online letter " Repre Rebill Need Rebuttal '' saying below.
" Since then, the merchant provided the following information to support the transaction : Confirmation showing no cancellation per policy was received. So for now, we are reapplying the charge to your account ... '' I called CapitalOne again because I cancelled it on XX/XX/XXXX and has the confirmation email! I was told to upload all the proof I have to a CapitalOne link & wait for the response. Then I got an online letter " Can not assist '' on XX/XX/XXXX.
" While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' I called again. The rep said it is the signature that it lacks and she send a CapitalOne link for me to upload it a XXXX time. So I not only type but Esign the 2nd document.
But on XX/XX/XXXX, I got a 2nd online letter " Can not assist '' saying the same thing.
I called CapitalOne, The new rep said the merchant agreed that it is cancelled so it won't charged my card in future. I said what about the 1st month? I cancelled on the same date XX/XX/XXXX! She said I need to prove I didn't receive what I purchased. I already explained clearly in the 1st & 2nd documents I uploaded. I purchased " Consumer Leads '' not " Consumer Data ''. I use another provider, XXXX, they call it what it truly is, not like XXXX lying. If it's data, XXXX call it " Consumer Data '' not like XXXX calling their data " Consumer Leads ''. The rep then understood & send me a 3rd link and told me to include XXXX 's info.
I attached screenshots showing how XXXX 's leads page has IP, Join date, Lead type filter and XXXX doesn't. I uploaded everything and still got a 3rd online letter " Can not assist '' on XX/XX/XXXX.
XXXX has no IP, Join Date/Opt-in date, Lead type filters to prove people 's consent to be contacted. ( Not TCPA compliant ). XXXX call their " data '' leads when another honest provider, Salesdatapro.com call their " data '' data, and only call " leads '' when it has IP, Join Date/Opt-in date, Lead type filters.
And CapitalOne isn't helpful at all. I doubt they even read what I uploaded! I submitted XXXX support ticket & called many times but no one responded or answered! Yet, CapitalOne keep saying on the " Can not assist '' letter to work with Merchant directly for the refund!
|
10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
I made a payment of {$640.00} using my XXXX XXXX payment on XX/XX/2019. XXXX XXXX for some reason denied the payment although the funds were available. After noticing the payment was returned on the Capital One App, I called Capital One Credit Card to inquire on how can I make a payment that immediately make the funds available. Call was made on XX/XX/2019 at approximately XXXX XXXX. I was told by the customer representative to make a XXXX XXXX or XXXX XXXX payment. Once payment was made call with a reference number and the funds would be available right away. The representative provided me with the XXXX XXXX information of Routing number XXXX and informed to include cc #, for XXXX XXXX use CapOne-VA with CC #. I complied and went to our grocery story to make a XXXX XXXX payment of {$550.00} at XXXX XXXX on XX/XX/2019. I called approximately XXXX XXXX and after for the funds to be released. The funds were finally released and accessible by XXXX XXXX XXXX at approximately XXXX XXXX. I was able to renew my rental agreement once the funds were available.
XX/XX/2019 at approximately XXXX XXXX I made an attempt to purchase flight tickets for me and my son. The website informed the credit card was invalid. I called Capital One Credit Card at approximately XXXX XXXX to inquire on why the card was invalid. I was informed that my payment was past due and the funds wasn't available. I explained the day prior I made a payment. I want to speak to a supervisor, as this is ridiculous. I was transferred to another department. The woman in that department informed me she spoke with her manager. The manager informed that the cycle had renewed and I was {$4.00} past due. I informed her of the {$550.00} payment made the day before. Therefore, the {$4.00} was paid and then some. The women informed her manager stated he could release the funds if I made the {$4.00} payment with a debit card. I needed the funds available and so made the requested {$4.00} payment. The woman placed me on hold to contact the department to release the funds. She returned only to tell me that due to the delinquency, and 4 returned payment they could not release the payment. I argued that those 4 returned payments should not be considered when I made a XXXX XXXX payment as instructed the day prior. Those were guaranteed funds. The money should have never been placed on hold again. I requested to speak with a manager. At approximately XXXX XXXX I was transferred to XXXX Capital Collections Sr Manager. Who stated again due to the new cycle, delinquency and 4 returned payments they were not able to release the funds. I informed XXXX that this information should have been provided the day prior. I could have kept the money in the account and purchased the ticket. I only placed on the card as I was informed the funds would be readily available. XXXX informed they were that day, but the cycle changed. I requested to speak to management over him. I was informed he was the last resort no call can not go any further. XXXX informed he will turn in the complaint, but no other person I can speak too.
|
07/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
The company I work for changed our email addresses XXXX XXXX but both emails dumped into the same email inbox, and I'd used both for years. We were NOT told that XXXX email was going to stop working this past year, but it did. I was set up to receive email invoices with Kohl 's to XXXX email address, but as a result of the change, I stopped receiving my statements, and I did not know I had a past due balance with Kohl 's until I received a letter in the mail in XXXX telling me my account was inactive due to non-pay on a {$110.00} balance that generated as a result of purchases made on XX/XX/17 and XX/XX/17. I immediately called and took care of the balance and they credited the late fees. I did not know this had STRONGLY effected my credit scores until XXXX or XXXX. I have tried to resolve this with Koh 's but they say unless the error is their fault ( ex. THEY listed an incorrect email ) - they do not reverse information turned over to credit agencies. I believe this IS partly their fault for not notifying me there was an issue with my email. Other companies, including my MasterCard, notified me via PAPER mail of the issue with my email BEFORE any balances fell past due, and I corrected it with them. I had no idea Kohl 's had XXXX email and that I was not receiving statements, but KOHL 's knew my email had kicked back and that I was not receiving invoices, so they should have sent something to me in the mail as soon as that happened like other companies did. The first paper mail communication I received should NOT have been a suspension letter when they KNEW I wasn't getting my invoices via email. I'm so disappointed in Kohl 's for not working with me to correct this on my credit history that I've closed my Kohl 's charge card account, and I will NOT shop there anymore, and I'll be sure to post everywhere I can about the poor customer service experience I've had with them. I'm XXXX years old and have NEVER had a late payment on my credit history, and I have always had excellent credit scores, and I'm EXTREMELY disappointed that this ONE late payment of only {$110.00} has affected my credit score so extremely, and Kohl 's will not adjust it when it's NOT my fault the email stopped working, and although I agree it's not their fault either, ONE letter thrown in the mail when the email kicked back notifying me of the issue would have resolved all of this. If it is not Kohl 's policy to notify customers via paper mail when an email fails then it should be - that's just good customer service. Some people ( LIKE ME ) may not know when an email stops working or gets cancelled, or just may not remember to change it with ALL companies that email statements. Kohl 's had NO problem mailing me a letter telling me that my account was suspended. Seems like it would make more sense to MAIL a notice letting my know my email was failing first. Then I could have corrected the email, paid my balance ON TIME, and it NEVER would have gotten this far. I am SO disappointed in Kohl 's, and EVERYONE I can reach via the XXXX XXXX XXXX and social media is going to know about it!
|
07/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
I was offered a Capitol one credit card. At the time I had XXXX auto loans and XXXX credit card already with Capitol one. There had been issues with them refusing to submit the lean contract for one of my cars to my state revenue office. This resulting in a title suspension which lasted two years. After numerous attempts to resolve the issue with Capitol one I finally got it resolved without their assistance ( they kept telling the state of arkansas that there was no lien in the car ) I had decided not to use Capitol one ever again but they offered me {$250.00} rewards for spending $ XXXX in a interest free quick silver card and I decided to do it to at least receive some compensation for all of my hastle. Once I spent around {$900.00} they hit my credit card with a fraud alert.
When I contacted them they initially told me there was a fear of identity theft ( despite no suspicious purchases and despite them forcing me to link all XXXX of my accounts together ) then they told me that there was fear I wasnt authorized to use my checking account to make payments ( though I hadnt yet made the first payment and despite them acknowledging the fact that both auto loans and the first credit card were paid out of the same checking account ) finally they told me there was an issue and that they had to verify who I am and proof of income. ( Despite them acknowledging they had both my DL and my SS card on file ) when I offered to comply with their demands of proof of identity and offered them proof of income through pay stubs they refused to take the offered proof and advised me that they required all my bank statements for three months including purchase history to see how I spend my money. At no point in prior business dealings have I ever been asked to show how I spend my money. There has been zero issues of suspicious spending to the best of my knowledge and the only late payment Ive had in 2.5 years and XXXX accounts was when they messed up and got the title to my car suspended and suddenly they claim my payment wasnt going through ( despite my other car payment going through just fine in the sane day and both payments being made early ).
Since complaining about them getting the title to my car suspended I have had them fail to accept one car payment, Ive had them fraudulently promise {$250.00} in cash back rewards only to have them stop the card before i can spend the required amount, and ive had both of my credit card accounts suspended with ridiculous requirements of proof of spending which forced me to close the accounts. at which time they not only didnt let me collect the {$250.00} cash back from the new account which i would have been entitled to if they hadnt fraudulently froze my account, they also kept the cash back rewards for my first credit card account.
coincidentally, although theyre partially claiming that they suspect im not authorized to make payments out of my checking account, they continue to take payments from that same account. at this time i believe im also being denied the interest free for a year associated with my credit cards
|
08/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
Several months ago I received a pre-qualified credit card offer from Capital One. It stated that the majority of people who receive the offer do qualify for the credit card. It stated that my income had to be {$850.00} over my mortgage amount. And it represented my credit report would not receive notice. I completed it, as required. Sometime after that, I received what apparently is supposed to be an adverse action notice ( Exhibit A ). Capital One had denied my application, however their notice was completely lacking in all the important matters required by law.
Adverse action notices are designed to help consumers by providing transparency to the credit underwriting process and protection against potential credit discrimination by requiring creditors to explain the reasons adverse action was taken. Any valuable information to be useful to the consumer was omitted in Capital Ones notice. No reason was given and I was not provided the statutory information identifying the credit reporting agency.
I quickly wrote to Capital One to ask for information about their denial ( Exhibit B ). I addressed my income, and such that was sufficient, determined I had been discriminated because of my age. After that, I never heard anything from Capital One.
On XXXX XXXX, XXXX, again I found myself chasing after information. My letter of that date ( Exhibit C ) details my confusion about the treatment I was receiving. Since it was clear they were questioning my income, I forwarded copies of my XXXX XXXX XXXX. I pointed out the number of laws they continue to break. I never even received an acknowledgment for sending the tax return.
I have spent a significant amount of time just calling to find out what Capital One is doing. When you call, they ask for your social security number. Once I dial it in the key pad, my experience has been they keep you on hold generally about 45 minutes hoping you will give up and they wont have to bother with you.
When I called on XXXX XXXX, XXXX, I was fed up. No one should be treated this way, and no one should make the decision they have a right to treat you in such a manner. I called and spoke to XXXX ( Employee No. XXXX ). He didnt know anything about my application. When I told him I was tired of watching them break all the consumer protection laws at my expense, I advised I was going to file a complaint with CFPB. He told me to stay by the phone ; XXXX was going to call me, XXXX did call, but it was just foolishness to cover up the fact that I believe they denied me again. She told me my secured credit card was approved, but of course, that is not what the application was for. I did note, notwithstanding that fact that they represented my credit report would not have any record of the application, my credit report showed a hard hit inquiry from Capital One on XXXX XXXX, XXXX XXXX ExhibitD ). Then yesterday, I received a notice from XXXX showing another hard hit inquiry by Capital One dated XXXX XXXX, XXXX ( EXHIBIT E ).
This was all one single application. It is against the law for them to file two hard hits for one application.
|
02/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
I took a traditional fixed morgage with Capital one in about XXXX of XXXX when my income was about XXXX to XXXX a year.The same year I lost my job. I liquidated my retire plan to catch up on mortgage and other expenses. I eventually found a job with The state of Florida where I make only about XXXX a year. As a result of a drastic change in income I fell behind my mortgage for about 2 months. I have been making at least one full payment each month since I fell behind. I started a loan modification process about XXXX to 4 months a go in XXXX or XXXX XXXX. I submitted initial documents requested. I was asked to submit additional documents which I did. The main issue is, capital one is intentionally delaying the process to force me into foreclosure because I strongly believe the company is in to make gains and not care about my plight at all. The ask for my monthly pay stub, I send it, they sit on the document, until a new pay period then they send a nasty letter that if I do not send a new paystub my case will be closed. I did that about 3 times. The other part is, they requested my insurance declaration page, which I sent, it was confirmed they have it, now they are asking for the same document-I thought my information or documents were to be kept securely. I requested so many times for the case worker to call me back but she would not. When I asked for corporate number there is none.
To add salts to injury, Capital one sat on my application for about three months when I was told underwriter reviewed my application and I needed this document and that document only to submit all required documents and then being told a box on my application was not checked. My question is if a box was not checked, why did they not send me back the document for me to check what is needed but rather waited until I submitted all required documents to send me a letter I received on XXXX/XXXX/XXXX asking me to check a box on a page but they did not bother to include the document I needed to check of. To prove how eager ( it seems someone makes personal gains when a XXXX is pushed through foreclosure especially if the how value has almost doubled like mine ) capital one 360 home loan is to foreclose my house, I was given 4 days from the time I receive the letter to check off a box on a form that was not included in the envelope and return or else I will not be able to stop foreclosure once a foreclosure sale date is set.
Why should capital one 360 keep asking for the same documents I sent, some I sent so many times then threaten foreclosure due to their in ability to send me a form they sat on with their underwriters for about three months, then sending threatening foreclosure letter asking me to check a box on a ducument they did not include in the envelope. Could Capital One 360 Home loans not have sent this document along with all the several request they made on my pay stubs for me to complete right from the onset? This is a deliberate attempt. I read so many comments online about frustration borrowers go through with Capital one 360 home loans and I am a living witness.
|
12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
This letter is about Capital One QUICKSILVER Account # XXXX XXXX XXXX XXXX XXXX Principal being XXXX XXXX XXXX XXXX As of XX/XX/, the account was suspended. On XX/XX/, during a telephone inquiry notification was provided the account is closed due returned payments of {$25.00} in XXXX and XXXX of XXXX along with other violations of the Capital One terms and agreement.
XX/XX/, I spoke with a representative regarding an unrecognized charge of {$190.00} and filed a dispute for said charge and made a request to receive the terms and conditions for the account. As of XX/XX/, the charge of {$190.00} was credited to the account ending in XXXX, a few days later received terms and conditions dated XX/XX/XXXX
XX/XX/, Tender and an instruction letter was sent by XXXX XXXX XXXX CERTIFIED MAIL to XXXX XXXX XXXX XXXX, NC XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. This address used is listed in the Capital One Terms and Agreements section Items with Restrictive Words, Conditions, Or Instructions on page Four.
The letter of Instruction read : Notice of Claim to Interest & Instruction I, XXXX, XXXX agent on behalf of XXXX XXXX XXXX XXXX principal hereby accept all Titles, All Rights, All Interest and Guaranteed Equity owed to Principal . I hereby instruct Principals Balance be applied to Principals Account # XXXX XXXX XXXX XXXX each billing cycle. Please apply this Tender to the account monthly. I also require communication in writing regarding any discrepancy. If no communication is made within Ten business days after receipt of the letter, I will assume the aforesaid instructions have been completed.
All amounts due to principal are to be sent to : Treasury Direct Account XXXX By : / Agent XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT RECOURSE This Instruction letter was notarized and included a Bill of Exchange with a restrictive indorsement and stamped ; For presentation to the United States Treasury XXXX for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by XXXX, In accordance with 31 CFR 328.5 & 31 CFR 328.6. Furthermore 31 CFR 328.4 states : Bearer securities bearing restrictive endorsements as herein provided will thereafter be nonnegotiable and payment, redemption, or exchange will be made only as provided in such endorsements. Moreover, protected by 31 CFR 328.8 : Loss, theft, or destruction of securities bearing restrictive endorsements. Furthermore, the item has yet to be returned with an explanation, or right to cure, and no explanation of why the account has been closed. I will not be denied my rights to credit as Subrogee and Beneficiary due to the unwillingness of Capital One to honor my request and abide by Title 15 subject to enforcement by Title 15 U.S. Code 1611. Capital Ones actions are in direct conflict with the Indenture Trust Agreement filed with the SEC along with the Consumer Protection Act, Fair Credit Reporting Act, Truth-In-Lending, Graham - Leach Bliley Act and several others. As to not have this letter become too long and drawn out, I will not include each act and violation.
|
02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Remove any old or duplicate phone numbers Remove any variations of your name that are incorrect Place a security freeze on all your reports
|
04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXXXXXtext On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KOHLSXXXX XXXX Box XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
06/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Since XX/XX/XXXX, I have been continuously contacted by debt collectors trying to collect on a debt I do not owe. They have stated that XXXX XXXX has hired them to collect this debt.
I have a defaulted account with XXXX XXXX that I paid and settled in XX/XX/XXXX with XXXX XXXX. I continue to receive harassing debt collection tactics due to this.
XXXX XXXX XXXX continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act. XXXX XXXX XXXX contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it. After speaking with XXXXXXXX XXXX in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day. They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted XXXX XXXX XXXX on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since. XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them. 2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX. XXXX XXXX XXXX has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report. I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
|
01/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
Capital One mailed me a closeout check on or around XX/XX/XXXX, received on XX/XX/XXXX, deposited to my XXXX XXXX account on XX/XX/XXXX. Capital One chose to place a stop payment prematurely on the check and in error, they will not admit to this error plainly, will rather state " Expectations not set correctly '' as reason for stop payment. A second check was expedited via XXXX second day air and rep ( s ) did not allow enough mail time for prior check before reissuing and thus stopping payment.. The check amount, XXXX, represents the remaining balance in my checking account ending in XXXX. Replacement check was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. I left for XXXX XXXX on this day, was not at my address to receive/sign for it or sign check itself.
XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I have a statement from Mr XXXX stating he picked me up on said date and time. Please see attached document from Mr XXXX, he can be reached at XXXX. I was in XXXX XXXX from XX/XX/XXXX to XXXX.
I received information from a XXXX with leadership team at Capital One stating said check was intercepted and signed by a XXXX XXXX whom does not live here, cashed at a XXXX XXXX XXXX which is not my account and do not bank there. A XXXX XXXX with Capital One has replied in re about this, stating the person, XXXX XXXX, lives at my address and the XXXX XXXX Bank account is or was linked to my Capital One account at some point. She also refers to a check deposited to my account from this person sometime ago. My account is now closed and It appears Capital One chose to close it due to account security, they saw the linked account, which I am not aware of, as a possible risk. It appears someone had hacked into my account at some point, added XXXX XXXX account and also used my account to cash a check in the past. Neither of these two incidents are related to loss of funds or constitute receipt of them.
If Capital One will check signatures on check received on XX/XX/XXXX and replacement check delivered on XX/XX/XXXX, they will see signatures are different from another. Also, another check from Capital One covering overdraft and return check fees relating to stop payment shows my true and correct signature, as does the check received on XX/XX/XXXX which was deposited to my XXXX account and is now closed due to overdrawn status. The overdraft is a result of Capital One stopping payment prematurely as stated prior. I've requested Capital One check signatures, XXXX XXXX did not comply. For argument sake and figuratively speaking even if the person, XXXX XXXX, is related, does not mean funds were not stolen from me as they in fact were..
I request someone in office of the President look into this matter which has been ongoing since late XX/XX/XXXX/early XX/XX/XXXX. To avoid investigating signatures as requested, Capital One chooses to mark complaints as duplicate to avoid doing so. They requested additional time to reply to a prior complaint, which took over a month and then turned around, marked it as duplicate.
|
01/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
I have been a Capital One XXXX customer for years. I contacted Capital One to inquire about possibly upgrading my card to one with no annual fee and was told that was not possible. I then requested that the annual fee be waived this year possible and the customer service rep advised that He would be unable to waive the fee at the time we spoke because it was early and the fee had not yet been assessed. He suggested that I call back and request a waiver of the fee once assessed. I called back and was told that my account did not qualify for a waiver based on the systems algorithm?? when she tried to submit the request. I asked what the algorithm was based upon, I cant recall ever being late etc ... and she was unable to answer. In the interim and I received a preapproval offer from Capital One for a XXXX XXXX Card. I was considering booking a vacation, so I went online to see what perks they were offering with the card as well as the terms and conditions rates etc.. Online the XXXX XXXX offered showed a promotion that stated that if you spent {$1000.00} in the first 3 months you would receive {$20000.00} bonus points. I attempted to apply for the card online, but since I was logged into my account. The system kept diverting me to enter the confirmation number for the preapproved offer Id received. Not stiputlating that the terms would be any different. It would not allow me to just apply for the card otherwise. Needless to say, I booked my vacation, the charged went through. I called later to inquire as to when I should expect the points to be posted and was told that my account did not qualify for the promotion. I went online while the rep was on the phone and confirmed the details. She then stated that the promotion was not included my MY specific offer! What?? I would not have accepted the offer had I known that this was the case. I have plenty other cards that I could have used and received some benefit for my purchase.the young lady agreed that I met the conditions and state that she would escalate my concerns and follow. A few weeks later she called back and stated that her request was declined and that points would not be applied. I was so frustrated at this point, I just hung up, figured Id pay the card off and both or transfer balances or whatever. Coincidentally, I then receive a call from their Executive Customer Relations department, inquiring about my complaint.I explained my concerns to the young lady, who stated that she would research and follow up, I do not remember her name, but Im sure the call was recorded, that was before XXXX, I believe and to date I have not received a follow up call. This is like bait and switch. Their system would not allow me to apply online unless I used their confirmation code. The current promotions were advertised online, the only difference was the promotion but how is a consumer to know that. It never stipulates that this does not apply if you use a preapproved offer. And that itself is backward, wouldnt you want to give a preapproved customer a better offer? This is clear deception of a loyal customer
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08/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XX/XX/2022, my mother had XXXX XXXX me out of literally nowhere, and I decided its time to leave.
Upon looking for apartments, I saw something that read your credit has to be above XXXX or more. So, that had me curious. I wondered what mine had been, despite being under the impression that I had no credit whatsoever. I had applied to things in the past but always got denied.
Still, I did it anyway, and what popped up was a fraudulent credit card account by Capital One. Now, this was my first time seeing this, as I hadnt ever gotten accepted for any of my card requests.
I went to the site and attempted to log in. Immediately after entering my ssi, I was prompted with the option to send a confirmation text to a mobile number. It wasnt mine, but it was my mothers.
Once I chose the option other method of verification, I entered my own number and was granted access. A little too easily, at that. I then immediately noticed something else. My mothers email was ALSO within the account information, as well as her bank account information. It was directed routed to her bank, where she was withdrawing money to.
The purchases showed XXXX, XXXX and a few unknown transactions, most likely from XXXX. I recalled her saying she spent $ XXXX {$800.00} on new tires at one point. I do not have a license, only she does. XXXX was for gas.
Immediately, I decided Id close the account and lock her out of it by changing all of the information to my own, ( as advised by a capital one rep ) so that she couldnt increase the debt that had already been there. ( {$1400.00}. ) That, and because the representatives were sending things to HER email when I reported fraud. There were about five late payments, which added onto the bill.
Once the fraud alert was placed on the account, I called the police to file a police report, which she tried to sabotage, saying I was out of my mind because I hadnt been taking my antidepressants. Trying to victim blame.
Because I didnt have anywhere else safe to go after this, I moved from XXXX tXXXX stay in XXXX with another relative. It took me a while to get hold of the police report, though it was soon verified after I sent a certified mail request.
Despite all of this, once I had submitted the police report to capital one, I had been promised that this would be resolved. Fast forward to XXXXhree or four weeks later, and I received a letter in the mail stating that the charges made to the account didnt look suspicious at all, ( because my mother and I lived in the same household ), and that I was responsible for the current balance in full.
Frustrated, I contacted XXXX, hoping to get things at least going with them as Capital One failed me in that aspect, but the same result was brought to light.
Now, because of my mother, and the fact that this credit card company doesnt care about fraudulent cards if it happens between family members, Im in a rut. I can not get an apartment because of my low credit score, and Ive been sleeping on an uncomfortable recliner chair for about nine months now. I am only XXXX. This isnt fair.
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07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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On or Around XX/XX/21 Capital One opened a secured credit card and a QuickSilver credit card. These applications were both fraud neither was approved from me, and It was applied for and APPROVED for with a Fraudulent phone number, Fraudulent Email Address. I did not receive either of these credit cards and I did not apply for either of these accounts. Capital One proceeded to open both account 's without first verifying my identity, and Capital One did not clear my extended fraud victim statement on my credit report which specifically states that you must call TO VERIFY that I am the person applying before approving any applications. I notified Capital One both of these account 's were fraud and Capital One closed the secured card and sent me confirmation they confirmed the fraud on the account and the application was fraud and I am not responsible for the account, However Capital One also said that about the quicksilver one card and again sent a letter yet then Capital One sent the Quick Silver card as a charge off to an attorney. I can not login to these account 's nor retrieve the credentials because again it's tied to fraudulent information. Which I do not own. XXXX ( Fraud Email ) XXXX Fraudulent phone number XXXX XXXX XXXX Fraudulent Address, and Yet both of these account 's were opened around the same time and Capital One had a data breach around this same time they opened the account 's without my consent. I did not apply for these account 's and I did not receive any cards or monetary benefits from said account 's. I did not sign any applications either. Capital One is attempting to collect on the quicksilver card {$2500.00}, Even THOUGH all major credit Bureaus have BLOCKED THE ACCOUNT AS IDENTITY THEFT, and yet Capital one is attempting ABUSIVE practices to collect the card in WHICH I DO NOT OWN. Capital One Confirmed fraud on the Secured card that was opened on or around the same time, yet assume that I am liable for another account they opened again without my consent? Capital One allowed charges to this account that I did not authorize. Capital One Also didn't verify my information because if they did they would know that I never lived at that address nor have I ever owned that phone number either. My Wallet was stolen and Identification was stolen. These applications are FRAUDULENT. I do not owe Capital One ANY Debt, and I do not take Responsibility for Capital One mishandling these accounts. The Secured Card was deleted and Capital One AGREED IT WAS FRAUD, however Capital One is trying to take advantage and assume they can collect on a UNSECURED CARD that I DID NOT AUTHORIZE OR APPROVE TO BE OPENED. Capital One did not send me any statement 's. Capital One did not allow me access to these account 's and Capital One has not sent me any documentation or Cards for these account 's. Yet Capital One Refuses to take fault for something they did not verify. I am a Victim and I do not accept the debt for this account or responsible for the debt occurred on the account, I do not accept charges I did not make, and I do not accept this debt.
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05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
|
NOTICE FOR REQUEST OF CONFIRMATION ( XXXX ) OF TERM XXXX AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT CAPITAL ONE BANK DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : CAPITAL ONE BANK, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.
I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.
Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.
2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.
3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.
4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.
5 ) All material facts are to be disclosed in the written agreement.
6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.
7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.
The agreement that I entered into has the above seven elements in it.
According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.
This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit.
Signed, Authorized Representative/ XXXX XXXXXXXX XXXX XXXX XXXX
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12/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
The below letter was sent to all three credit reporting companies. Two of them have acknowledged that Kohl 's was incorrect in their actions taken. The third one hasn't replied to me yet.
To Whom It May Concern.
I recently filed a dispute with your organization concerning an adverse report that Kohls Department Store put on my credit. Let me start by saying I take my credit very seriously. Prior to this bogus report my credit score has been in the high 800s for years. Then along came Kohls.
Here is what actually happened in spite of what Kohls may tell you. My wife and I both had accounts with Kohls. Unfortunately, Kohls mixed up our cards on one billing cycle ( in XXXX/XXXX ). When they did this they decided that my card was over-due. Upon getting that notice, I called them and talked to their call center. The person I talked with informed me that I owed them {$580.00} and that if I paid that amount, everything would be okay. They also said to ignore a future bill if their system generated a bill. I promptly paid the {$580.00} and went on with my life.
I did receive another bill which I ignored per my previous instructions. After receiving yet another bill, I called them again. This time they told me everything was handled go on with my life. So I did.
After that I received several automated phone calls with recordings. I called them back, but as a Kohls employee would later tell me, their system did not integrate my information with a life person, so I just got generic recorded messages which I had been told to ignore.
Finally, a human called me and explained that my account ( not my wifes as Id been previously told ) was overdue. So, I paid it while talking to this person. This, of course, was three days after Kohls had already put an adverse report on my credit. ( The person I talked to never mentioned this fact not surprising when you figure how difficult this company is to deal with. ) After I learned of the adverse credit report I called Kohls head offices and talked to a XXXX XXXX, who was very polite and professional. However, she stated that she had listened to all of the tapes of my conversations ( I had 4-6 calls ) and that I was just wrong. She would not acknowledge that Kohls had made a mistake and said essentially that they never make mistakes. In short I just have to live with this adverse report because they are a big corporation and Im just a little guy ( and now a former customer ).
Additionally, I am surprised that they would put an adverse report on my credit score when I am in the process of talking with them. As I said, I called them numerous times, actually spoke to humans 3-4 times concerning this erroneous charge.
Needless to say, for an older man, this is all very stressful.
Kohls actions are patently unfair. I know what their call center employees told me and I know that they were recorded. If someone actually took the time to listen to the calls, then they would realize their error.
My bottom line is that I am politely asking you to remove the adverse report from my credit reports.
Sincerely, XXXX XXXX XXXX
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10/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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Capital One is the worst! Over two months ago my replacement credit card never arrived, so when they sent an email to verify its arrival I responded that it hadnt. The next I heard from them was an early morning phone call ; to my wife, not me the actual account owner, who then told them to call me. Well, they then told me that over {$2000.00} was charged to my account and asked me to prove who I was to rectify the issue. They asked for a government issued id with a picture, social security card and proof of residence. I was sent a link to send the documents to which I immediately did. Next morning another call saying they couldnt read some of the docs so I sent them all again. Now two months later another early morning call to my wife from Capital One who once again asked why call her and not me. Another call ten minutes later to me this time telling me that fraudulent charges were made on my card and I needed to verify who I was again to prove that I hadnt made those purchases. They would not even tell me where, when, or the extent of the charges made tellingly me they couldnt tell me. I explained to the representative, who I could barely understand cause her accent was so thick ( calling me from XXXX XXXX XXXX, I live in the USA by the way ) that all this had been done already two months ago with all the requested documentation already sent to them. However, I was told that I needed to send them again. No reason why or explanation was given and that they couldnt answer any of My questions without the documentation. Once again I sent them all the requested documents to their secure fraud investigation site. Today my wife got called again instead of me and told them to call me. When they eventually called me ( again someone I could barely understand ) I was told that I needed to resend some of the documents because they couldnt read them ( perhaps if they had representatives from the USA they might be understandable and could read documents in English! ). I have to add at this point that I have high end equipment and all of the documentation I have sent are 100 % perfectly clear and easy enough for my XXXXXXXX year old grandson to read.Of course the exact same documentation they said they could not read this time had been received by them two months ago and verified by me ( I called Capital Ones fraud division ) that they had gotten them and were all acceptable.So here I am, two months later exactly where I started off. Lost card, no replacement, and fraudulent charges to my account.To say that Capital One is INCOMPETENT is an understatement! If I could afford it, Id take out a full page newspaper add in XXXX XXXX XXXXXXXXXXXX to let the world know how bad Capital One is.XXXX : I had some fraudulent activity on my XXXX XXXX years ago and it was immediately resolved with one 15 minute phone call and a replacement card was mailed and received within three days of the phone call.This Capital One account was only opened as a completely independent account to write checks and to receive government issued payments.
Date of experience : XX/XX/2023 2023
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10/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Monies were owed to me from XXXX. The monies were placed back into the personal checking account ending in XXXX by XXXX over 2 months ago. This was witnessed and discuss by a Ms. XXXX, Capitalone Bank Personnel and a supervisor from XXXX. He replaced the funds back. This replacing of the funds took from 1-2 months to be replaced, because The New XXXX XXXX. had been just acquired by the XXXX XXXX, XXXX (? ), XXXX on approximatelyXXXX or XX/XX/2018. I believe the date isXX/XX/2018. The previous Call cCenter in XXXX left the new company in shambles, confusion, incomplete orders, and other transactions that were in chaotic confusion. Since new personnel had been hired in the U.S., they had to go through many continuous transitions for months to bring the new company into a resemblance of order that was far from being complete. Often, there were nice people to work with, but continued miscommuicatipn. A few months later in XXXX, XXXX ( or XXXX? ) 2018, the monies were placed backed into the account. Ms. XXXX worked with me and XXXX, especially the supervisor, during the days of processing. The monies had been placed into the account, but Capitalone Bank did not remove the conditional credit of funds. This is in reference to personal checking account ending in XXXX.
On today, XX/XX/2018, they finally removed the XXXX XXXX ( {$88.00} ) without notifying me verbally with rapport between another bank high level employee and I. This has been consistent and repeated behavior of Capitalone Bank for more than 2 years to wait til the customer gets to a low level amount in their account and then take out the conditional credit so that the customers account will go into a minus account with acquiring additional penalty fees ( to become overdrawn ). This puts the customer in a hole that is hard to climb out of. tThis continued practice affects me as a person with XXXX ( ADA ) to be able to purchase medicines, food, and other needs for trying to maintain at a higher level. Therefore, I must do without medicines, food, and other needs ; therefore affecting my health and quality of life is greatly. This behavior of cCapitalone Bank is likely to occur again and again, since their past behavior has shown this. They have never been held accountable for this behavior, thus showing NO RRMORSE. They do not value me as a customerperson. especially since I utilize their services, help to pay the salaries of their personnel and the Bank uses my money to invest in other projects where they get surplus incomes and dividends. The mission statement of Mr. XXXX XXXX, CEO/President and Founder of Capitalone Bank and Capitalone Financial Services, has a number one mission statement concerning vital, important, professional, and correct communication. Even though there are good people that work at Capitalone Bank, this mission statement is not always followed and is rather lax. If a customer requests periodic and continued communication concerning a process and a transaction ( s ), VERBAL communication is often ignored. The frequency of this occurrence is too numerous and too high.
|
12/19/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Older American |
On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX that they needed to update my address information by XXXX/XXXX/XXXX or they would close my account. On XXXX/XXXX/XXXX I called the telephone number provided in the letter and spoke to a customer service representative named XXXX. I told him they had my correct address which I have had since XXXX. I also confirmed my telephone number & email address. He said my account had been updated and it was fine to use my credit card. On Sunday XXXX/XXXX/XXXX I went shopping at Kohl, s using my Kohl 's credit card and when I swiped it it said to see customer service. I was directed to use the phone at the customer service desk. I spoke to a representative who told my my account was closed because my address was n't update, I told her I had called on XXXX/XXXX/XXXX and spoke to XXXX & he said my account was open & fine to use. She said that the account was closed & could n't be reopened. She refused to let me speak to a Supervisor. When I got home at XXXX XXXX I called customer service again and spoke to XXXX who told me the account was closed on XXXX/XXXX/XXXX by the credit bureau XXXX and to contact them. I knew this information was incorrect and asked to speak to a supervisor, she said once the account was closed it could not be reopened and would not connect me to a supervisor. I called back at XXXX XXXX and spoke to a representative named XXXX who did connect me to a supervisor named XXXX XXXX who said she would have to listen to the recording of the conversation I had with XXXX on XXXX/XXXX/XXXX and would call me back. She called me back at XXXX XXXX and admitted it was Kohl 's mistake and it would take 10 days to 2 weeks to reactivate the account and would keep in contact. On XXXX/XXXX/XXXX I received a letter from Kohl 's dated XXXX/XXXX/XXXX stating that they could not reopen my account because I did not meet Kohl 's criteria to do so. I called customer service to speak to XXXX XXXX and spoke to Supervisor XXXX who could not find her extension but would email her and have her contact me. He could not explain what Kohl 's criteria for reopening an account was. Since I did not hear back from XXXX, I contacted customer service again on XXXX/XXXX/XXXX at XXXX XXXX and spoke to Supervisor XXXX who stated that due to the XXXX after XXXX/XXXX/XXXX they could not use a mail service address and needed a residential address. She is the first person who stated this was Kohl 's criteria for opening an account. I argued that this was my legal mailing address and has been since XXXX and why did they allow this account to be opened in the first place. I have had this account for 5 years with an excellent credit history of payments. I have used the same address for all my credit cards, etc. and have not had any problems. She said she would take this up with the president of Kohl 's and get back to me within 48 hours. She said she needed my residential address for a reference point which I did give to her. I have had no contact from anyone from Kohl 's since XXXX/XXXX/XXXX regarding this matter.
|
10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
XXXX XXXX Claim # XXXX On XX/XX/2023 I disputed a transaction with XXXX through Capital One bank. I disputed this transaction because the vending machine I purchased from the merchant did not work at all and I had to replace by purchasing a new one. I sent Capital One all of my evidence via email. I can tell that they did not read my evidence because they still sided with the merchant. I asked them to reopen the case. They never requested additional details about the case. They just told me that it would take 10 business days to review. I contacted them during this time to submit additional documentation to support my case and the phone rep gave me the wrong email address : XXXX the correct email address is XXXX. So I resubmitted the documents to this address today and I received a statement that they sided with the merchant again proving that they did not review my evidence again. And after the phone rep today XXXX XXXX XXXX stated that they would reopen the case.
The vending machine I received from the merchant selling on XXXX voltage was above the standard and maximum amount for the US. Based on the Department of Energy the standard in US is XXXX XXXX the machine I received was XXXX XXXX. The merchant lied and said that the machine was XXXXXXXX XXXX. The machine did not work at all.
( In the United States and Canada, national standards specify that the nominal voltage at the source should be XXXX XXXX and allow a range of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 5 % to +5 % ). Historically, XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX have been used at different times and places in XXXX XXXX.
There is not only a physical difference between plugs, but also an issue of electrical incompatibility. There are various voltages as well as frequencies used throughout the world. For instance, in the United States, we use XXXX ( XXXX XXXX ), while in many other countries, XXXX ( XXXXXXXX XXXX ) is used. This is because the electrical standards were originally established by the individual countries and at the time, there was no international standardization. So if you travel to another country, and you would like to take your favorite electrical device ( e.g. digital camera, laptop, XXXX player ) then make sure you also have an appropriate converter as well. ) The merchant also lied stating that the machine was left outside and got wet. This is not true my machine was installed at the mall location the same day and housed under two roofs. I asked the merchant over 5 times how could I return the machine and they ignored my request each time. The merchant offered to send parts for me to fix the machine myself. This is not an acceptable solution this is equivalent to me purchasing a brand new car, it not working and the dealer saying we are not going to let you return the car, but we will send you the parts to fix it yourself. The company is basically stealing my money by selling a defective product.
The bank has been less than helpful because if they review my material they will find that I was not a fault and the merchant sold me a defective item.
|
07/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
This is a follow up or extension of a previous general complaint against exploitative APRs during a particularly difficult economic crisis, when the prime rate for banks is at or close to 0 %, when they have benefitted from direct government relief programs, In particular AND when banks and just about every major business is trumpeting how much and how willing they are to help and assist their customers during this crisis.
In particular, I just got off the phone with Capital One, whose Venture One Platinum Mastercard I have been using responsibly for at least 10 years. Last Winter, I had to use cash advances to pay my rent and to buy groceries as I lost most or all of my XXXX in my XXXX XXXX XXXX, lost my healthcare coverage ( though got on XXXX here in California ) and have recently been working full time for XXXX, so money is coming in again. But I will have a very difficult time paying down my principle with such outrageous APRs that have only ever increased over the years. I remember when even with a bad FICO score, I never paid more than 14 % and 9 or 11 % was typical. That may have been before the 2008 Great Recession, but I also remember when the CFPB came into existence with the Dodd-Frank bill and all of the exorbitant insufficient fund penalties and late fees were curtailed sometimes less than {$10.00} per transaction and usually with a limit to how many penalties could be levelled per 24 hour period. Over the years, those same fees and penalties crept back up to where they were before and where they are now - often {$29.00} insufficient fund penalties and {$49.00} late payment fees. Having conducted research on how banks and credit unions organize the assessment and collection of these fees, I know that they account for a substantial part of their income and profits, and yet, I found no credible evidence that such penalties, fees, and increased APRs have any effect on customers and consumers other than exploitation. Tools of discipline, punishment, or encouragement - as banks will claim - they simply are not.
On the phone, the customer service rep said that she was sorry, but " there are no programs of options to decrease your APR. '' Though she did tell me of a minumum payment adjustment plan that would reduce my minimum payments -- and assess a further interest rate to the difference, in effect charging me even more in the long run for reduced monthly payments. What an insult! What a joke!
If XXXX XXXX was able to reduce my APR from 29 % to 5.9 % for an entire year -- with no belated interest and no penalties for paying off principle early, ... then I would expect something similar from Capital One. Considering that XXXX reduced my APR after my previous complaint to the CFPB, and considering that I have been offered a ( somewhat extreme ) deal by XXXX XXXX XXXX that would send all my accounts into default while they negotiate my debt down for me over the course of 3 years, ... I am hoping that CFPB can help me remain within the standard economy and not have to take such extreme measures.
Sincerely, XXXX XXXX XXXX XXXX, CA
|
03/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
On XX/XX/2021 I went to a local XXXX store to purchase a small amount of items. On my Capital One account ending in XXXX ' I made a purchase of {$13.00} and immediately after at XXXX XXXX on XX/XX/2021 at the same location I used my Capital One debit card ending in XXXX ' to withdraw {$20.00} from my checking account.
Roughly 5 minutes later, after I had already left the store, a charge for {$200.00} was processed on my third capital one account, a credit card ending in XXXX '.
Once I was notified through text that this charge was attempted I locked the card and contacted Capital One. This call took place at roughly XXXX Eastern Standard Time as I could not call until I got home from running errands ( calling while driving is against the law. ) I made this call from my phone number, XXXX.
On this call I was assured by the phone representative that there is zero Fraud responsibility on myself as the consumer and that the transactions will be removed from my account. I also advised the phone agent who I spoke with that I believe I dropped my card in the store while I was doing the two initial authorized purchases as the card was no longer in my wallet. A credit was issued and investigation started.
On XX/XX/XXXX, I received the Fraud acknowledgement letter from Capital One. Less than 2 days later I received the attached letter stating no Fraud has been found ; however, absolutely NO evidence was provided to show that I made those transactions. How I reported the transactions aligns with how the transactions occurred and based on how quickly the response was received ( over the weekend as well ) no thorough investigation have been done.
Here are the facts : 1. I was in the store that day *before* the purchases occurred and performed two authorized and undisputed transactions.
2. Several minutes after I had already left the store, a new transaction for a large sum of money ( possibly a Gift Card based on the amount ) was processed.
3. Large purchases such as this do not match the spending history of my account as large transactions are always placed on my other card ending in XXXX '.
4. I was assured by the phone agent that I would not be held responsible for the transactions.
5. No evidence showing I made the purchase was provided by the bank.
6. I have had this account open for roughly 5 years now as well as multiple other accounts through Capital One and have had no prior Fraud claims on my accounts that I can recall.
Based on the information above which was already provided to Capital One during my initial call with them which they can also see at any given time, the transaction on XX/XX/XXXX for {$200.00} is not a transaction I have authorized. The fact that Capital One would so easily try to pass liability for the transaction to a customer who has multiple accounts that have always been in good standing for no reason is absolutely DISGUSTING. If this is not resolved immediately I will escalate this issue further.
I have attached information available regarding the two authorized transactions as well as the letters received.
|
08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
|
Thank you for your timely response, but its not a direct response to my cfpb complaint and the letters I mailed to you by certified mailing. Capital one has never extended credit to me. Pursuant to federal laws this was a consumer credit transaction. You, Capital one can not tell me I owe you anything without proof showing both sides of the accounting ledger where there was a loss of funds. Also you have to have delegation of authority from the Secretary of Treasury to collect any debts or alleged debts pursuant to 31 USC 3718. Pursuant to 15 USC 1692a ( 5 ) debt is an obligation or alleged obligation of a consumer to pay money arising out of a transaction. The alleged debt doesnt belong to me. The fact that you are making claims to me the natural person, consumer, original creditor that I owe you any debt is a violation of 15 USC 1692b ( 2 ) which makes you liable for {$1000.00} pursuant to 15 USC 1692k. I know I gave you the credit ; I originated the credit with my credit card, extending my credit for the open ended consumer credit plan ( which makes me the original creditor ). Credit card as defined in 15 usc 1602 means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, pursuant to 15 usc chapter 41 I am a federally protected consumer and you have violated my rights by reporting inaccurate information and information I didnt consent to, to the consumer reporting agencies. This is a violation of my rights to privacy and also a violation under the FCRA, which I am entitled to another {$1000.00} pursuant to 15 USC 1681n. You did not have permissible purpose ( my written permission ) to report to any third party on my behalf. By reporting inaccurate information to these consumer reporting agencies you have destroyed my reputation which is another violation of 15 USC 1692d ( 1 ) and another 1,000 pursuant to 15 USC 1692k. It has come to my attention recently that you have closed my account, violating my cease and desist. You closed an account you did not create. I wasnt notified of the closing of my account in any communication from you, nor in your cfpb response. I created this account through a. Consumer credit transaction by extending my credit. You dont have authority to close something you did not create, otherwise this is discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). My affidavit of truth still stands un rebutted under penalty of perjury as the truth! It is a fact that unless rebutted point for point all of my affidavits stand as uncontested. Please adhere to my demands in my cease and desist, bill of particulars, and affidavit of truth. I will not accept anything less than my consumer report updated showing no debt owed, nor late payments, monetary relief as shown in my bill of particulars for violating my rights and the emotional distress youve caused me, and re opening MY credit account. or further action will be taking to receive remedy for this matter. I already started the process through the mail and as known court starts in the mail.
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09/10/2016 |
Yes |
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- Unsolicited issuance of credit card
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|
Web |
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I explicitly needed a XXXX credit card so I could use it at Costco. On XXXX/XXXX/16 I logged into the XXXX website and shopped and compared credit cards. At the XXXX website, I clicked a link to CapitalOne to apply for a CapitalOne Venture card. ( The link did not specify the type of credit card. ) I WAS NOW ON CAPITALONE 's WEBSITE. While completing the application on the CapitalOne website, I noticed that it did not specify what type of card I was applying for, so I clicked on the CapitalOne " CHAT '' link. I asked the CaptitalOne agent what type of card this application was for and he/she replied " XXXX, '' so I completed and submitted my application on-line. The chat agent did NOT ask me if I had been directed to their site by a 3rd party link. The application was almost immediately accepted with a very high credit limit.
On XXXX/XXXX/2016, I received XXXX MASTERCARDS in the mail. I immediately called CapitalOne and requested that they cancel these card and issue XXXX cards as their agent previously had confirmed. CapitalOne told me that because I had been directed to their site by a third party 's website ( XXXX ) they could only issue me a XXXX. I responded " then why did n't your agent let me know this before I applied? '' Their response was basically that the chat agent had no way of knowing that I had been directed to their site via a 3rd party 's site. They refused to issue me a XXXX card and told me I could cancel the MASTECARD ( which I have now done ) but that I was now blocked from applying for a XXXX card from CapitalOne for six months.
The reason I received a XXXX is either because of a direct lie by their agent ( which I doubt was the case ) or because of a shortcoming in CapitalOne 's website in that their Chat agent should have had the information that I had been directed to their site via a third party so he/she could have answered my question accurately. I made no errors or omissions in the process. The CapitalOne manager we talked to on the phone on XXXX/XXXX/2016 would not admit to any mistake by CapitalOne and refused to acknowledge the fact that their database/enterprise HAD to know that I had been directed to their site via a 3rd party 's site as that is why their system issued me a XXXX. Therefore, they had the information that could have been supplied to the chat agent ; however, they chose not to have that occur and the agent chose not to ask me if I had been directed to their site via a third party before answering my question incorrectly.
Note : If I had gone directly to CapitalOne 's website without using a 3rd party link, the answer the Chat agent gave me, " XXXX, '' would have been correct as CapitalOne 's manager told me that is the ONLY WAY to get a CaptialOne Venture XXXX card.
Resolution requested : I would like to receive a CapitalOne Venture XXXX card with the terms and conditions for which I had originally applied. I do not want the application for this new card to appear on my credit report because multiple credit card applications in a short period of time will decrease my credit score further.
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09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
XXXX XXXX HAS ERRONEOUSLY REPORTED INFORMATION ON MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES. THE INFORMATION ON THE CREDIT REPORT IS INACCURRATE AND I AM UNABLE TO ACCESS THE FILE WITH THIS AGENCY. THE LENDER XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF THE FINAL RESOLUTION OF THE LOAN, CHARGE-OFF, PAYOFF STATEMENT, DEFICIENCY JUDGMENT OR THE LIKE WHICH IS IN VIOLATION OF MY FCRA RIGHTS. I AM UNABLE TO REACH THE LENDER WITH ANY OF THE INFORMATION LISTED WITHIN THE CONTENTS OF THE CREDIT REPORT. XXXX XXXX XXXX regarding account # XXXX. Sections 9 and 20 of the FTC Act Section 9 of the FTC Act authorizes the Commission to require by subpoena the attendance and testimony of witnesses and the production of all such documentary evidence relating to any matter under investigation. 15 U.S.C. Sec. 49. Any member of the Commission may sign a subpoena ( pursuant to a Commission-issued resolution for compulsory process in the matter ), and both members and examiners ( employees ) of the agency may administer oaths, examine witnesses, and receive evidence. Id. ; Commission Rule 2.5, 16 C.F.R. Sec. 2.5. If a party fails to comply with a subpoena, the Commission may seek enforcement of the subpoena in [ a ] ny of the district courts of the United States within the jurisdiction of which such inquiry is carried on. 15 U.S.C. Sec. 49. After the Commission files its petition to enforce a subpoena, and following receipt of any response from the subpoena recipient, the court may enter an order requiring compliance. Refusal to comply with a court enforcement order is subject to penalties for contempt of court. The XXXX of XXXX routinely uses the subpoena provisions of Section XXXX to investigate alleged unfair methods of competition and other antitrust violations. By virtue of the FTC XXXX Amendments of 1994, the XXXX XXXX XXXX also may use civil investigative demands ( CIDs ) for investigations of possible antitrust violations. However, the XXXX XXXX XXXX XXXX may use only CIDs, rather than subpoenas, to investigate possible unfair or deceptive acts or practices. FTC XXXX Sec. XXXX, XXXX5 U.S.C. Sec. 57b-1. The scope of a CID is different from that of a subpoena. Both subpoenas and XXXX may be used to obtain existing documents or oral testimony. But a CID may also require that the recipient file written reports or answers to questions. 15 U.S.C. Sec. 57b-1 ( c ) ( 1 ). In addition, Section 20 expressly authorizes the issuance of CIDs requiring the production of tangible things and provides for service of CIDs upon entities not found within the territorial jurisdiction of any court of the United States. 15 U.S.C. Sec. 57b-1 ( c ) ( 7 ) ( B ). Under Commission Rule 2.10, 16 C.F.R. Sec. 2.10, a party may raise objections to a subpoena or a CID by filing a petition to limit or quash. Such petitions will be resolved by the full Commission. The Commission may petition a federal district court to enforce the subpoena or CID in the event of noncompliance, although permissible venue is narrower in a XXXX enforcement action than in a subpoena enforcement case.
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07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
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XX/XX/XXXX I entered a payment of {$130.00} to my XXXX credit card ( handled by XXXX Bank ) through my Capital One checking ( XXXX ) bill pay service. The payment was sent electronically, funds withdrawn on XX/XX/XXXX and processed on XX/XX/XXXX.
XX/XX/XXXX I received a XXXX credit card statement showing no payment was made. I took a screen shot of the bill pay confirmation and sent it to XXXX on their website portal. XXXX responded that they would look into it.
XX/XX/XXXX I received another XXXX credit card statement showing no payment and more late fees added. I realized the account number on my billpay and on my XXXX account did not match. I had received a new card in XXXX and did not realize the account number also changed. I called XXXXXXXX and the rep told me that in the investigation they would find my account with the old account number and it would be reconciled.
XX/XX/XXXX I received a request from XXXXXXXX to ask my bank to trace the payment and provide them with the electronic transmittal inquiry form, which I did.
XX/XX/XXXX Capital One card investigations emailed me the proof of payment including the electronic payment trace number. They also included in the email that the payment was accepted by XXXX and not rejected. I sent the email and proof of payment form to XXXX
XX/XX/XXXX XXXX sent a letter saying they were unable to verify their bank received the funds for the paymnet and for me to contact Capital One. I contacted Capital One and they so the proof of payment is evidence that the money was sent so there was nothing more they can do.
XX/XX/XXXX I filed a complaint with CFPB against XXXX Bank for not recording my payment.
XX/XX/XXXX XXXX bank mailed a letter saying the mailing address on the billpay was incorrect. I called Capital One regarding this address error and they confirmed since the payment was sent electronically the mailing address was not used and did not affect the transfer of funds. I asked that they put this in writing, but they said they were not able to do that. They said the money was sent to XXXX and XXXX did receive it and keep it and that was confirmed in their investigation.
I have since filed complaints against XXXX with CFPB ( again, this time noting the incorrect physical address did not affect the electronic transfer to them ), the XXXX Attorney General 's office, and the FDIC. XXXX only responds with " our decision remains unchanged ''.
I have banked with Capital One for years and have never had any issues, but I don't know who to believe in this situation. I tried to rectify my errors, but the address error Capital One told me didn't matter and the account number error XXXX told me didn't matter. The funds were taken from my account, but since then there is no record of them. I don't know how an electronic transfer trace isn't enough evidence, but this makes me question using Capital One or any bank because a vendor can just say they never received it. XXXX now has my balance at {$130.00} + fees totally well over {$400.00} and my credit score has dropped due to this banking error.
|
10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
I used the XXXX XXXX service offered by our credit union, XXXX XXXX XXXX XXXX XXXX to send a payment of {$2800.00} to a credit card company. I, in error, set the payment up to go to Capital One, instead of XXXXXXXX XXXX I had set the payment up for delivery on XX/XX/XXXX. I notified my credit union of the error on XX/XX/XXXX and Capital One of the error on XX/XX/XXXX. Since we no longer had an open account with Capital One ( we had requested our account be closed on XX/XX/XXXX ) my, and my credit unions, expectation was that the payment would be refused or returned to my credit union. The steps that I have taken to resolve this issue are outlined below. Supporting documentation has been attached.
I would appreciate any help that can be given in getting the full amount of {$2800.00} returned.
These are the steps I have taken to try and resolve this issue : XX/XX/XXXX sent message to XXXX XXXX notifying them of error and requesting assistance.
XX/XX/XXXX contacted Capital One to trace payment.
XX/XX/XXXX faxed to Capital One a letter from XXXX XXXX containing electronic tracing information.
XX/XX/XXXX sent letter to Capital One outlining details of the transaction.
Received letter from Capital One dated XX/XX/XXXX instructing us to file an unauthorized transaction claim with our bank.
XX/XX/XXXX we filed an unauthorized transaction claim with XXXX XXXX.
XX/XX/XXXX XXXX XXXX denied claim.
XX/XX/XXXX attempted to contact XXXX XXXX directly but was told they can only speak with XXXX XXXX.
XX/XX/XXXX through XX/XX/XXXX attempted several times to speak with and return phone calls with XXXXXXXX XXXX XXXX. Each time the representative was unable to find any file that had been opened to investigate. Messages left on the phone did not include any file or investigation identifier so that previous conversations could be found.
XX/XX/XXXX worked with a representative from XXXX XXXX to open a case with XXXX XXXX to trace payment to Capital One.
XX/XX/XXXX XXXX XXXX sent proof of payment to Capital One. XXXX XXXX would not release the name of the representative that sent the proof of payment.
XX/XX/XXXX spoke with XXXX from Capital One.
XX/XX/XXXX we received a letter from Capital One stating that a check had been sent to us for the full amount. When we didn't receive the check I contacted Capital One and was told by an account supervisor that we would have to go back to our bank [ XXXX XXXX ] and complete all of the steps we had previously done and request a new check. A XXXX call between the credit union , myself and a Capital One representative ended with Capital One telling us we would need to repeat all of the steps that we had already completed and begin a new investigation.
XX/XX/XXXX we sent a certified letter to Capital One, Payment Investigations Division, outlining everything above. We received no response.
XX/XX/XXXX I sent an email to XXXX XXXX, Director of Operations at Capital One requesting his help. We received no response.
XX/XX/XXXX I sent another email to the Director of Operations and have not received a response.
|
08/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
Capital One has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Capital One ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/XXXX, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I in fact have a credit instead of a debt violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Then I received another email about the same allege debt ( violation of 1692c ) on XX/XX/XXXX, and XXXX XXXX and XX/XX/XXXX. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded mark as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/XXXX which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g
|
09/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
I filed a formal " dispute '' with Capital One re my experience at XXXX XXXX XXXX in XXXX Oregon on XX/XX/2018, and the various correspondence and phone conversations extended thru early XXXX.
This complaint began with a problem I had with an auto repair shop on XX/XX/2018 in XXXX Oregon as I was traveling on a summer trip. They overcharged me {$210.00} on my Capital One credit card ( {$630.00} total after being originally quoted a price of {$420.00}, which is the average price for such a repair ), and so I filed a " dispute '' with Capital One, along with 20 pages of documentation and narration describing and showing HOW the price I was charged was WAY OVER the NORMAL COST for such a repair. Capital One asked me to submit this documentation. Then Capital One asked the auto repair shop ( XXXX XXXX ) to submit their own documentation. XXXX XXXX responded by simply submitting the signed receipt.
On XX/XX/XXXX, Capital One asked me in writing via postal mail for further documentation to " use against '' XXXX XXXX & I responded with a copy of the invoice in which they quoted {$420.00}.
On XX/XX/XXXX, Capital One then simply responded in writing by postal mail by saying the case was closed and that they supported the merchant, not me. They said they tried to contact me via phone ( but they called the old phone number, rather than the new one which I had just updated with them only a few weeks prior ). Thus, because I was traveling again, I did NOT realize they had closed the case until I called back a few weeks or so after XX/XX/XXXX.
In early XXXX, I finally spoke with somebody a little " higher-up '' at Capital One at this point in time, and she knew nothing about my case, but " reviewed '' it ( the entire 20 pages ) as we spoke on the phone, and spoke as if the only reason they handle disputes is because mastercard requires it. She sounded as if she did NOT care much at all, if at all. She CLEARLY did NOT carefully read my 20-page supporting document, and dismissed the conversation by saying " Well, the receipt was signed ... '' as if that's ALL that matters.
I told her that they changed the price at the end of the day and pressured me into signing it ( they have ways of " sabotaging '' your vehicle if you don't pay the higher price ... I saw them signalling to each other, so I knew I had to pay now, dispute later ). The FINAL PRICE speaks for itself ( res ipsa loquitur )! I was far from home, my car broke down. It was the day before the XXXX of XXXX. They knew I needed to keep traveling. They unethically and unscrupulously " twisted my arm '' to pay an outlandish price just to get my vehicle back and be back on the road again. Capital One showed no signs of caring or even that they carefully reviewed my documentation. Shame on them.
After this final phone call with the unnamed " higher-up '' female at Capital One who dismissed me perfunctorily, I began to search for ways to further address this issue ( now also a Capital One issue ), and came across the CFBP website. I ask CFBP to investigate this matter, accordingly.
-- -- --
|
02/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
I the original Creditor and federally protected consumer, experienced inadvertent errors with Capital one Bank that caused several transactions to be declined and return to my bank. I called in after each declined transaction to figure out what was going wrong, and an agent assisted me in setting up the account and processing a payment over the phone.
I reviewed my statement to see the transaction was declined and returned to my bank. This issue was not for insufficient funds and I was informed to contact my bank. My bank informed me everything was clear on their end and couldn't explain why the transactions were being returned.
I received a email stating that my account was being closed out for fraud and I should stop using the account, and I was still liable for any remaining balance.
I called immediately to resolve the issue with no results other than this is the policy and we are sorry.
Per the FDIC capital one is in violation of adverse actions : 100.2 definition adverse actions ( c ) ( i ) refusal to grant credit in the agreed amount ( ii ) termination of an account ( s ) inadvertent means mechanical, electronic or clerical errors, that was not intentional.
100.2 ( t ) judgmental system of evaluating applicants other than credit scoring 1002.4 General rules ( a ) discrimination.
A creditor shall not discriminate against applicant on prohibited basis regarding transactions of any aspect.
( b ) discouragement as I am now afraid to apply for another credit card as I was also denied further credit with Captial one during a new application in attempts to re-establish my account. I was not offered a counter offer 1002.2 ( i ) This incident has caused me high stress as I have bills that depend on my credit limit. I'm also anxious and worried as the threat of closing my account will cause a negative impact on my credit score. Per FTC Captial one Bank is in violation of : 15 USC 1692 Congressional findings and declaration of purpose ( a ) unfair practices resulting in bills falling behind and negative credit impact c ) Non-abusive Collections Method ( d ) interstate commerce 15 USC 1692b Acquisition Of Location Information ( 2 ) stating that I am responsible for the remaining balance ( debt ; ) 15 USC 1692d Harassment Or Abuse ( 1 ) causing harm to my reputation with possible future lenders.
15 USC 1692j Furnishing Deceptive Forms ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a pr
ovision of this subchapter.
15 USC 1692k civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Let it be noted that : a credit extension is a private transaction between the creditor and THE ORIGINAL CREDITOR.
A creditor ( capital one ) is one who extends credit by definition of FTC and a Creditor ( capital one ) can not collect a debt.
Debt is defined by the FTC as an owed or allegedly owed debt by a consumer
|
08/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
Early XXXX 2017 I applied for a Capital Ome Credit Card. I was sent a letter stating I needed to upload my SS Card, Physical Address. ( I applied with my XXXX XXXX # ) XXXX XXXX, 2017 : Letter from Capital One dated XXXX XXXX, 2017. XXXX XXXX, 2017 : Uploaded SS Card, ID, piece of mail.
XXXX XXXX, 2017 : Spoke with XXXX Corp Office. She ask me to resend my Documents..
XXXX XXXX, 2017 : Fax Capital One my Documents again including my light bill ( Physical Address ) XXXX XXXX, 2017 : Spoke with XXXX Documents not Accepted I needed to re fax Documents. ( Customer Service ) XXXX XXXX, 2017 : Spoke with XXXX Corp Office. Confirmed I needed to re fax my Documents. XXXX stated he is n't understanding what 's going on. I have uploaded, Fax everything Capital One asked me for.
XXXX XXXX, 2017 : Called Corp back left message for Dominque to give me a call.
XXXX XXXX : Finally Credit Card Application Approved.
XXXX XXXX, 2017 : Finally get a email Capital One will be semding my Credit Card.
XXXX XXXX, 2017 : Finally the Card has arrived. However the Credit Card is restricted.
XXXX XXXX,2017 : Called Capital One why is the card restricted? Capital One stated it was fraud a glitch in their System.
XXXX XXXX, 2017 : Emailed the CEO of Capital One.
XXXX XXXX, 2017 : Filed a Better Bureau Business Complaint.
XXXX XXXX, 2017 : Completed another Capital One Credit Card Application.
XXXX XXXX,2017 : Spoke with Fraud Supervisor XXXX, XXXX. No Fraud was done on my behalf. I sent in my correct, accurate infomation.
XXXX XXXX, 2017 : Spoke with 1 ) XXXX ( Account Supervisor ) 2 ) XXXX ( Customer Service ) 3 ) XXXX ( New Account Supervisor ) 4 ) XXXX ( Corp Office ) 5 ) XXXX ( Fraud Prevention ) What Fraud?
6 ) XXXX ( Fraud Prevention ) 7 ) XXXX ( Account Specialist ) Seven different people in one day. XXXX XXXX, 2017 : XXXX ( Customer Service ) Stated notes are in my account.
XXXX XXXX, 2017 : Called Capital One back asking for another look into my Credit Card Appliation. I 'm NOT understanding any of this. All these workers I have spoke to at Capital One. Faxing, uploading my information/Documents. Only to receive a Capital One Card I ca n't use. XXXX XXXX, 2017 : Called Capital One back the other Department is looking into my Application Dated XXXX XXXX, 2017. Even though they might have to run my Credit again. Why? Capital One already ran my Credit. It 's NOT my fault it was a glitch in Capital One System. When Capital One ran my Credit point was lost. Capital One sent a card giving me a line of Credit only to close the Account. Again taking a lost of XXXX points off my Credit Score. Now Capital One is stating they have to run my Credit again? Even though Capital One just ran my Credit XXXX 2017.
XXXX XXXX, 2017 : Called Capital One back speaking to yet another Fraud Supervisor. ( Forgot her name ) She was very nice, apologize on Capital One before. Asked another Department to put " System Error " NOT Fraud on my notes. Another Department the Back Department suppose to take another look into my Capital One Credit Card Application dated XXXX XXXX, 2017.
|
09/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
In XXXX, I opened an XXXX XXXX XXXXXXXX account. This product was advertised as an easy-to-use account with a higher interest rate which would vary based on prevailing interest rates, and I was pleased with the account and customer service. Capital One acquired XXXX in XXXX and kept the same product with the variable interest rates which fluctuated and I continued to use the product.
Then, in XXXX, Capital One created a new product, " Performance XXXX '', which had these characteristics. For its existing customers, many of whom had, like myself, been with Capital One or its predecessors for more than a decade ( XXXX years, in my case ), our accounts were not upgraded, but instead interest rates were slowly dropped until they were pegged at 0.3 % in XXXX of XXXX, while the Performance rate was 0.4 % based on historically low interest rates. We were never contacted and told there was a new product available, and many of us kept our savings with Capital One in these accounts, and hardly noticed the difference between 0.3 % and 0.4 % when interest rates were historically low.
Note that I have hundreds of emails from Capital One dating back more than a decade, but was never once emailed about this new, and more advantageous product comparable to what I originally signed up for and used for more than a decade, see below for additional details.
Once rates began to climb in late XXXX, the rates for Capital One 's most loyal customers stayed low. In fact, today, Capital One Performance 's rate is a competitive 4.3 %, while the original account is just 0.3 %. By keeping customers in this other " legacy '' product, Capital One has avoided paying out interest on customers ' savings, all while lending out this money at prevailing rates. This is an extremely deceptive marketing practice, and while some news outlets have called out Capital One on this practice, you have not changed it, or made amends, and gone as far as insisting that 0.3 % is a " high interest rate '' when, in the current climate, it is certainly not.
I have gone through my previous statements and reports of Capital One 's interest rates to document additional interest which would have accrued had Capital One not downgraded my account. According to my calculations ( XXXX XXXX XXXX # XXXX ) my balance would be approximately {$850.00} higher. However, I do not have the same recordkeeping as I'm sure Capital One does, particularly involving the dates of interest rate changes.
I called Capital One about this discrepancy and spoke to XXXX ( employee ID XXXX ). My case was escalated and I spoke with XXXX XXXX XXXX ) who said that my case had been reviewed and nothing could be done. Additionally, he said this decision was final, and that Capital One received many of these complaints and denied them all. He said that I had not been misled, even though the bank changed XXXX word between these accounts and sent me no information that there would be changes.
I have attached a sample of emails sent by Capital One, none of which mentioned that there was a better product available.
|
09/09/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I lost my job on XXXX XXXX. as a result I was 4 months behind on making my payment. I communicated every month with Capital One each step. I found employment and advised them I would make a payment on XXXX XXXX, due to I get paid once a month on the XXXX of each month. I later advised I would call the following Monday and verify my true pay date, because the XXXX fell on a weekend. I called and confirmed I would pay on the XXXX. It was also during this call that I was advised that I my next XXXX payments would be the amount XXXX plus XXXX half of XXXX payment to keep my account current. XXXX a total of XXXX. I believed everything was in order. However this is when the issues first started. After I made the arrangement to pay the double payment. I started getting excessive calls from the company. I would thank them and repeat to them to please look at the notes on the account. each time, the phone collectors would agree they see the notes. Yet this inconsistency started. XXXX agent told me that I would have to agree to allow them to set up a payment arrangement on the account. I said no problem. However, they also informed me at that time, I had to make the payment within a XXXX day window due to their system would n't allow me to make a payment arrangement. Again, no problem. I informed them I would call back on XXXX XXXX or XXXX to make the agreement. Yet. I still continued to get calls. asking if I was prepared to make the payment. No one seemed to be aware of the payment arrangement unless I brought it up. Finally, I received XXXX call from an agent who was very rude. He informed me that I had to secure the payment ( basically I had to give them my payment information over the phone and they would debit the account on the XXXX of XXXX XXXX. He stated that my account would be going into foreclosure. And if I went into foreclosure the department may request all the money due at XXXX time. I explained to him, I was doing as I was told and waiting for the XXXX of the month to call and make the arrangement. However, I did n't want my account to go into foreclosure so I agreed and allowed him to take the secure payment over the phone.
Since that time, I have been told that my agreement to pay XXXX was not valid, I was not XXXX months behind. I was four months and would need to pay XXXX for the next four months to be current. I again, agreed to the XXXX. Only to continue with calls reminding me of the balance I owe on the account. And that no agreement is on the account unless I can secure a payment. So here we go again. Today, I spoke with an agent who told me I owe XXXX ( this is only two months behind. Confused, so why am I having to pay XXXX for the next four months if I 'm only two months behind? This is very stressful, the inconsistency is not ideal for any business practice. If the agents do not know the correct process, why should I the consumer have to be frustrated during the process! I have spoke to countless agents on the account, some seemed to be understanding while others are trying to pressure me into securing a payment.
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02/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was repeated given erroneous information by customer service representatives and a supervisor at Capital One regarding a billing dispute with an airline. They also did not close a billing dispute upon being informed I had reached an agreement with the merchant.
I called Capital One to open the dispute against the airline XXXX on XX/XX/XXXX. They requested more information on a letter dated XXXX XXXX, which I provided. After providing the information, I called Capital One and was told that if they did not hear from the merchant by XX/XX/XXXX that the dispute would be finalized. At this point Capital One had credited my account for the amount of both flights. Since my case was not based on a flight cancelation, I decided to accept an electronic credit from XXXX on XX/XX/XXXX for one of the flights involved and to purchase a flexibility plan to move the other flight. I moved the second flight to a new date, but I have not yet used the credits. I promptly called Capital One to report that I had reached an agreement with XXXX. Then in XX/XX/XXXX, I happened to log into my account with the airline and saw that the flight I had moved was no longer in their system. On the Capital One account I saw that I still had the credit for the original flights and, in addition, I had been refunded the extra I paid for the flexibility plan. I was confused, as I had assumed Capital One would close the dispute and re-bill my account for the ticket purchases. I called Capital One about this to ask what was going on. I wanted to know if the dispute was finalized and I could count on this money being permanently refunded or, if not, why had my flight disappeared on the airline system. I was told that my dispute would not be finalized on XX/XX/XXXX as I was originally told, but rather on XX/XX/XXXX, and to call back then. I then received another letter dated XX/XX/XXXX, regarding the dispute, which I thought just reiterated what XX/XX/XXXX letter had said. I called Capital One again on XX/XX/XXXX to confirm that the dispute was finalized ( the credit for the original airfare was still posted on my account ). The agent said it was still open and couldnt give me a date as to when it would be finalized. I asked to speak to a supervisor. I spoke with XXXX, who said that I could count on the dispute being already finalized. Based on this information, I went ahead and purchased airline tickets. Much to my dismay, on XX/XX/XXXX, I discovered that they rebilled me for XXXX of the original tickets stating that the merchant responded on XX/XX/XXXX. I complained about their misinformation and was told by the supervisor XXXX that they were sorry, but that any action I took based on their agents and supervisors information was solely my responsibility. Now, there is a probability that I will be re-billed for the second ticket as well, a reservation that has disappeared from my account on the airline website.
The information provided by Capitol One can not be trusted for accuracy and they do not hold themselves responsible for the information given to their clients.
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01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Hi I had a payment that was due XX/XX/XXXX which is today I was out late finishing up some work and when I got in to make my payment at about XXXX p.m. it said that I was already opposed a late fee even though I still have XXXX minutes before it's midnight and I called the company Capital One and they said that they could not give me a one-time courtesy fee adjustment because I had not been eligible. Now to go back a few months ago when I got this card Capital One had a problem and issue with their database and could not find my account and Link it up online so that I could pay it they couldn't even find the accounts on the phone so I could pay it and when it got fixed it was like two days after the payment was due and I was assessed a {$16.00} late fee the woman that I was speaking to when the account got fixed agreed to take that off as a one-time courtesy and I said to her it's not a one-time courtesy because your company was the reason why I couldn't pay it and it took you 3 weeks to fix it and she agreed and said that she was going to take it off because of a technical error in the account. Well she must have took it out of my one time once a year courtesy and now I'm not eligible for it when I really really need it like it's crazy that they're trying to tell me that I have to make the payment by XXXX p.m. I did not know about it I have XXXX accounts with Capital One and nowhere on my app because it's so smushed with all the information did it say that and you know it's crazy that that shouldn't even be legal because I should have until midnight XXXX on the date it's due to pay it before I'm assess the late fee but they really put this late fee on there hours ago. basically I said to the woman so you're telling me that there is nothing you can do and there's nothing no one else can do and she said no we are not going to remove these fees at this time because you're not eligible and there's no nothing no one else can do either because you have to be eligible in the system and there's nothing we can do to change that. I believe wholeheartedly that this is so wrong that's being done to me that I am not paying this. I have XXXX accounts with them and all my payments have been 100 % paid on time I literally am not paying this fee I'm not making my payment either I am not going to do that I don't care if this ruins my credit because I believe wholeheartedly that this is wrong to do to someone. And you know if they don't adjust this and allow me to continue being a customer with them it's just going to be a chain reaction I'm going to I'm just going to walk away from all the cards and all the payments because if if they don't fix this I'm not paying that card and what's the point of paying the other ones because my credits going to be ruined anyway. And it's really really not fair and they should have helped me and and did something because they took my one-time courtesy away and used it on something that was their fault they had a issue with their database that wasn't linking up my information to find my account that's their fault.
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01/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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XXXX XXXX 2020 I tried to purchase flowers for my sister in XXXX ( I live in XXXX ). I failed to immediately notice the text message and email requesting verification of the purchase. When I responded Yes to the text message it was too late and the purchase did not go through. I called customer service and provided ID information requested and was told to try the purchase again. It failed again. I was then told my account was now restricted and I would need to take certain steps to clear the account.
This required me to scan my driver 's license and upload it to a Capital One site. I did so. I was told it would be 7-10 business days to verify my ID. I called on XX/XX/XXXX to confirm all was well with the review and to find out how I would receive communication on the status of the review. At that time I was informed there was an issue with the quality of the scan of the barcode ( actually think it is an optical character ) on the back of the ID. If I would be willing to send the back of the ID again I could receive an expedited review. I did so and was informed that the quality was still lacking.
At this time I requested information as to another means to clear up the matter or another point of contact to register a plea for support. I was provided with neither, other than getting a new license or providing a passport as alternate ID. My only passport is expired and a new license is not an option.
On XX/XX/XXXX I called to inquire as to how I would receive formal notification of the status of the review. I was informed there would be not written notice of the review, but if I wanted to try XXXX more time to provide the image of the back of the ID they would try to scan it again. There was some thought I did not capture all of the ID on my second effort. Note that was not relayed to me on the call of XX/XX/XXXX.
I provided a third image of the back of the ID, it was still lacking in quality for the reader. I offered to take the ID to a Capital One Bank branch so they could review it in person, but was told that was not an option. I again requested a means to register a formal request for help and some means to resolve this issue. When I was told their was no means for doing this other than speaking with a manager, I requested that opportunity.
I spoke with a manager and was again told there was no way for me to resolve this without a new license ( again, not a reasonable request in the midst of a pandemic and MVA branches closed to all but essential services ) or a passport of which I have an expired one, but not current. She said she would register a complaint for me. I accepted the offer but told her honestly I expected nothing would come of it, as Capital One has not initiated any communication with me since this started. She further informed me the restriction does not prevent me from paying the balance on the card with my money, but the $ XXXX dollars in my reward account may not be applied to that balance.
Please note at no time in establishing this account did I ever need to take these steps to prove my identity.
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11/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I opened a Capital One Spark credit card account in XX/XX/XXXX with a 0 % APR offer. I used the {$10000.00} limit to pay for inventory for my small business. I was told by two Capital One employees, one at time of activation and one several months later, that the end date on my offer did not appear in the system. I was also told that this glitch was being handled behind the scenes, and that I need not worry about it, and that I should continue to make my minimum payments on time. I did that. Without any other information subsequently given to me, Capital One began charging interest in XX/XX/XXXX. I attempted multiple times to escalate the issue, since I strongly believe that Capital One should have notified me, under the special circumstances, that the account would be coming due in full. I requested that we discuss a reasonable amount of time in which to pay the balance, without additional charges. It was extremely difficult to escalate the issue to anyone higher than a manager in customer service, and my request was denied. I truly felt as though I was talking to a computer screen, rather than a person, because it did not seem that the details were being considered. The computer showed that I had interest due, so that was what I should pay, regardless. I pursued dispute resolution. I felt the weight of time passing, and then while waiting fora reply, the pandemic began. The bank had to deal with many unexpected resulting issues, so I was trying to be patient, all while continuing to make payments each month, based on the principal. It wouldnt be until several months later that I discovered that my case had been closed, unbeknownst to me. The bank continued to charge me interest and late fees all along. In XXXX, without any higher level communication, I paid my principal payment of {$8200.00}, which was the original {$10000.00} less the amount I had already paid in monthly payments. Since that time, my account has continued to accrue fees and interest, based on the XXXX balance. My credit has been damaged, as well. This is so extremely distressing to me, as I believed that I was acting in good faith all along.
I really didn't know what channels to pursue, since it was impossible to connect with a higher level employee within the Capital One system, so I visited my local branch in XXXX. They contacted the credit card complaint unit, and the same response came back, without even a minimal attempt at an accommodation of any sort. The local branch advised me to contact the Office of the President at Capital One, and let me know that they generally reply within two weeks. I sent a letter on XX/XX/XXXX, and I haven't heard from them. I understand that the virus can be causing a delay, but this has been going on for far too long already.
Communication with Capital One during this ordeal has been excruciatingly challenging all along. I have found that they have little to no integrity or regard for the customer and will toss you around until you may just be willing to give up. I have lost all respect for this company, unfortunately.
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08/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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RE : Fraud and dispute of charges Case XXXX XXXX XXXX XXXX XXXX, I was reviewing my Capital One checking account statements, and noticed an ATM Withdrawal from XX/XX/XXXX for {$110.00} plus {$3.00} fee.
It immediately caught my eye because WE DONT USE ATMs. There was no way to identify the location other than XXXX, where we live.
I then went to look at past statements and found additional ATM Withdrawals, all in XXXX except for one in XXXX, WHERE I HAVE NEVER BEEN.
I contacted Capital One in XXXX ; you cancelled my previous card ( ending in XXXX ) and sent me a new one, crediting my account for the 5 ATM withdrawals that I DID NOT MAKE. I received the new card ( ending in XXXX ) and activated it on XX/XX/XXXX. I have it in my possession and have cut up the old card.
Today I was contacted via email that the credit is being reversed because your investigation showed that a chip card was used in these locations. How could my card have been used in XXXX, where IVE NEVER BEEN.
Please review these facts : 1. Again, we dont use ATMs. I cant remember the last time I used one, except twice in XXXX when we were OUT OF THE COUNTRY in XXXX.
2. My husband is a XXXX who gets paid in cash ; we always have cash in the house.
XXXX. I use my XXXX XXXX 90 % of the time, and use Capital One when XXXX isnt accepted. But its always a DEBIT not a WITHDRAWAL.
XXXX. The only time I take money out is AT A STORE, when purchasing something, I might also ask for Cash Back in small amounts, like {$20.00}.
XXXX. I am a good customer of Capital One ; I have friends who work there. I have sufficient funds in my account and have no reason to falsify or take the time to argue and fight these withdrawals. BUT WE DID NOT MAKE THEM.
I dont understand how these things work but I DID NOT MAKE THESE WITHDRAWALS and REQUEST TO APPEAL THIS DECISION.
As for the specific ATM withdrawals, which I am guilty of not noticing before XXXX : XXXX. XX/XX/XXXX {$60.00} + {$3.00} fee Location XXXX XXXX in XXXX I was not there on that day and can prove that with family and friends who were with me that day.
XXXX. XX/XX/XXXX {$120.00} + {$3.00} XXXX XXXX XXXX in XXXX, a XXXX XXXX of where I live, where I have NEVER BEEN, with a company I DONT KNOW.
XXXX. XX/XX/XXXX {$70.00} + {$3.00} XXXX XXXX in XXXX, a location I recognize where I have shopped but where Ive NEVER USED AN ATM XXXX. XX/XX/XXXX {$70.00} + {$3.00} XXXX XXXX XXXX XXXX a very seedy and questionable motel where I HAVE NEVER BEEN. I do shop at a retail establishment located at XXXX XXXX XXXX XXXX, and use my debit card there, but NOT AT AN ATM XXXX. XX/XX/XXXX {$110.00} + {$3.00} XXXX is only identified as XXXX, and I was told no one can identify it, other than it being in XXXX.
I sent all of this information to appeal their decision on XX/XX/XXXX. Investigations team said they do not accept the appeal, as of today, XX/XX/XXXX, although I have not received the formal response yet.
I dont know how this happened, but I am NOT trying to cheat Capital One out of money by claiming fraud for {$440.00}.
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04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am trying to get a refund from my deceased brother 's Kohl credit card. I closed the account on ~12/23/16 when he passed away. On XXXX , I found out there is a credit balance of XXXX {$740.00}, and I was told to fax the power of attorney document, his death certificate, and a letter explaining that I would like to request a refund to a fax # that they provided. XXXX months went by, I did n't receive a check. I called back on XXXX & was told to fax the same doc. to a different fax #. Nobody contacted me despite I put my contact # on the cover page to tell them specifically to call me & let me know once they receive the documents & the doc. are indeed what they are looking for. After faxing my doc. to different fax # on 3 different occasions, I contacted the president Kohl office ( corp. office of Kohl ) and told them about the frustration of faxing the same doc. over & over again, and they always tell me that I should have faxed over to a different fax # instead. This lady from corp. office is no help either. She just gave me a phone # and asked me to call them to find out what 's the fax # to fax over the executor of estate document. The phone # that she provided is a voicemail, and all I can do is to leave a voicemail. Of course, nobody ever called me back. I tried to call back the corp. office & told the lady that I had no luck in obtaining a fax #. However, this lady did n't return my call either. Customer service is bad from phone center all the up way to headquarters. I then called customer service again today & they told me to fax over the executor of estate doc. to yet another fax #. They said the document I faxed over is incomplete. When I asked what part is incomplete, the rep. just told me to just fax over again. By now, I have faxed the death document, my driver license with my full name, DOB, current address, my brother 's Kohl credit card #, his last 4 of his SS #, his DOB, his Last Will and Testament ( to show that I am the personal representative of his estate, and the trust info to show that I am the trustee. I do n't know what else can I do at this point. If there is no activity on the account since XXXX by now, should n't the refund be automatically processed by law? I am being abused by their customer service. Every time when I called them, they asked me who I talked to, what is the fax # I used, and the dates that I fax the doc. I felt like I was being interrogated ; handling my deceased brother account is emotional and frustrating. Of all the credit card companies that I dealt with ( XXXX , XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , I did n't encounter any problem except KOHL. They keep on giving me this runaround and tell me to fax over my sensitive doc . ( DL 's #, SS #, address, my brother 's Will etc ) t o different fax #. I waste at least 30mins each time I call, and the end result is still the same, namely " you need to fax your doc. to THIS FAX # ). I am beyond frustrated and I 'd like you to help me and let others know how Kohl treat their credit card customer.
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11/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I purchased 150 bulk firewood bags online at the XXXX website. I had inquired about the product and price earlier as well as shipping charges. The quote I received quoted the price for my original request of 100 bags, but the representative offered a quantity of 150 for the same shipping charge which I ultimately accepted. My request and the quote was for shipping to my address as would be customary for any online order. The language used by the representative was " to your door '' for a price of {$2100.00}. I paid by Capital One XXXX a total charge of {$2100.00}, which included the XXXX for the product & shipping, plus XXXX which is the credit card fee on the site. I was promised the material would be shipped in 15 days, then since it was coming from XXXX shipping could be 2-4 weeks.
I waited, and after nearly 2 months began inquiring as I had not received the material or heard any feedback from the company. I was eventually told the material had shipped and was enroute to the port of XXXX. Soon after I began receiving bills from another company " XXXX XXXX '' for {$190.00} in Customs and paperwork preparation charges. This is apparently a subcontractor for XXXX who handles the freight here in the USA. I also began getting emails and phone calls from XXXX XXXX terminal asking when I would be picking up my material. I advised XXXX XXXX I would not be picking up, it should be shipped to my home address. I attempted to correspond w/ XXXX regarding the issue and did not receive a sufficient answer. At this point I began to realize the material was not going to be delivered to me, so I initiated a dispute with Capital One.
I filed a dispute requesting a charge back with Capital One, which they initially granted, crediting my account and apparently pulling the funds back from XXXX. I also requested a refund through the XXXX site, but that was put on hold due to the charge back. Over a month went by, and I considered the matter resolved. Then in XXXX Capital One re-applied the charge to my statement and advised they received " confirmation '' from the seller that the goods had been delivered. I immediately contacted Capital One, provided the correspondence from XXXX XXXX and XXXX XXXX and reiterated that I have not received the material. While it does appear that XXXX shipped the material to XXXX, this does me no good as I have not yet received it, and had not plans to drive to XXXX to pick it up. Further, now XXXX XXXX has continued sending bills advising the " storage fees '' have accumulated to over {$2600.00} which exceeds the original order. Thus far Capital One has been unwilling to assist any further. I will attach documents of the original price quote which was provided in the email function of the XXXX website, a screen shot showing payment originally on XX/XX/XXXX, the refund request for XXXX that was denied due to the original charge back, the invoice for {$190.00} from XXXX XXXX, and one of the many emails from XXXX XXXX advising of the storage fees and inquiring when I would be picking up the material.
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12/16/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hello, I started messaging with this person via XXXX on XX/XX/XXXX as I was interested in some items she was selling via her website. She claimed to also work part-time at XXXX and has the website linked to XXXX account XXXX I was interested in XXXX items and she has a payment plan option which I signed up for, so I would make biweekly payments via XXXX XXXX to the number provided. Initially, I had paid off XXXX of the items while on the plan and then decided to add XXXX more. However, when those XXXX items were paid off, she claimed her assistant made a mistake and put the other items under XXXX order so they all had to be sent together. I was not happy but proceeded to make payments so I can be done with the purchases. On XX/XX/XXXX, I sent her the last payment of our agreement. And on XX/XX/XXXX, she puts a post on her XXXX saying her phone was lost to please not send payment, etc. We then began messaging through the XXXX and in the midst of our conversation I found out her lost was stolen and I mentioned to her I already had sent her the payment and while her situation is unfortunate, I did my part so I wanted my items. She kept saying I had a balance etc. and we went back forth. I decided to call XXXX pay and they mentioned to me that she can retrieve the money regardless of phone being stolen. She can sign in from any device and they will help her authenticate. I explained this to her but she kept saying the money was not there and I said you've dealt with XXXXXXXX XXXX before, you have to authenticate, the money is not going to appear in your bank. I even offer to have a three-way call numerous times with XXXX XXXX to help her receive the money but she kept making up excuses and giving me the cold shoulder. I even opened a claim with my bank to see if the last payment could be disputed but it was denied as it showed it was sent/received and I told her this. At this point, her last message to me was on XX/XX/XXXX via XXXX, she claimed then she still did not have a new phone still and has not responded to any of my messages since then. I've asked for my money back or items to be sent and nothing. This is her XXXX XXXX XXXX. I have been ignored for over a week. I believe she has blocked me as I have proof that she is still posted. I reported her account as scam on XXXX, reported it to FTC and state legal office. I also made a police report which is case number XXXX. My understanding after speaking with the police officer is that this person has been reported before, she or whoever they are need to be stopped and held accountable.
The following are my reporting 's regarding this issue. My bank denied the refund of money because it was processed, I had no idea this was fraud/scam and I want to try to get my money back. We are talking about {$5600.00} that was sent to this individual and still nothing.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCapital One XXXX XXXX XXXX with my bank.
I also submitted a compliant to the state attorney general via XXXX XXXX XXXX. I don't have a case number for this.
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11/25/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
Concern about it taking over EIGHT weeks to establish Power of Attorney for individual savings account that is part of a revocable trust at Capitol One Bank.
Background : On XX/XX/XXXX, XXXX XXXX XXXX signed her Revocable Trust. A part of that trust was the Durable Power of Attorney assigning XXXX XXXX XXXX ( XXXX ) as the lawful attorney-in-fact.
XXXX XXXX is now XXXX and in XXXX, living in a memory care facility.
XXXX of the items in XXXX XXXX revocable trust is a savings account with Capital One.
The problem : It seems that Capitol One requires a Fiduciary Agent form on file to put a name in addition to XXXX XXXX onto the account. XXXX XXXX submitted the necessary paperwork to have her name placed on the account on XX/XX/XXXX, and as of XX/XX/XXXX, Capitol One has still not completed the process for XXXX to have access to the account.
XXXX : XX/XX/XXXX : XXXX went to XXXX, MD, branch ( XXXX ) and worked with branch manager. Submitted banks XXXX XXXX form, copy of the Power of Attorney, and letters from XXXX doctors attesting to XXXX XXXX incapacity.
Three weeks later : XXXX went to a DC-based branch ( XXXX ) only to find that XXXX name had not been added to the account and rather than deal with it at this branch, XXXX was told to check with the person in the XXXX again XXXX The next day, XXXX went back to the XXXX to talk with the branch manager and asked to find out what was happening.
XX/XX/XXXX : XXXX received a phone call from the XXXX manager who was following up on XXXX request to find out what was going on. The XXXX manager was informed that she had to tell XXXX that she had to call the bank herself and was given a phone number to call. XXXX called and was told that the Power of Attorney materials were missing from her file. ( In checking with the XXXX manager, she said that she had submitted all of the materials at the same time. I believe her. ) XX/XX/XXXX : XXXX again submits the power of attorney.
XX/XX/XXXX : XXXX receives an email from the Power of Attorney office saying that the XXXX XXXX form that they received was incorrectly filled out. The email contained a new copy of the form to fill out. ( The bank had redone the XXXX XXXX form in the last month or so and the paragraph with the erroneous information was not even included on this new form. ) XX/XX/XXXX : XXXX resubmitted ALL of the material ( XXXX XXXX for and another copy of the power of attorney ) to the Capitol One Power of Attorney Office via email and received a generic email response that they would be looking at it in the next 5-7 business days.
XX/XX/XXXX : XXXX sent an email to the Power of Attorney Office to challenge the further wait since it was now seven weeks since the original submission and shouldn't that office make things right. XXXX received an email that stated We have a high number of cases, so please allow us 5 to 7 business days to respond.
XXXX checked with the lawyer for the revocable trust in mid XXXX and XXXX was informed that as successor trustee you have that power no need for your name to be put on account.
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04/04/2015 |
Yes |
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- Closing/Cancelling account
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I have XXXX credit card accounts with capital one. Earlier this year my husband and I were really struggling due to lose of income. Along with the stress of low income i had a sister sick with XXXX, a mother suffering with what could posablly be XXXX, and a mother in law who is both physicaly and mentally XXXX who also lived XXXX to XXXX hours away depending on traffic who needs us up there quite often not to mention my husbands an only child. I also work full time in a very demanding job with an equally demanding boss so between my streeful job and personnel life i was finding it difficult to keep up and remember absolutely everything and knowing at the time I was only able to afford to make the minimum payment on both credit card accounts i took the initiative to call capital one and set it up to were they just automatically took out the minimum due out each month on the credit cards until I could afford to do otherwise. A few months later I reseved a letter in the mail from capital one stating that I had not paid on my accounts in months and they were about to close me out. In shock and upset I called capital one only to find out that they had already closed out both of my accounts. I tried to explain to them that I had spoken to XXXX of there represenitives and had my payments set up to be automatically taken out of my bank account each month that there must have been a horable mistake made all I got from them was my accounts have been closed out and that there was Absolutely nothing they or I could do to reopen them and nothing they could do to help me. Devistated and in tears I tried to look online for other capital one departments to call for some help with my situation but no matter what department I tried to call it always just took me back to the original department that I first talk to who refused to help me. At this point in time I have paid XXXX account off in full and current stuck making payments to an account that I ca n't no longer use and my credit score that I have worked so hard to rebuild has been greatly effected all because capital one a company who I have been a loyal customer and until this payment arrangement screw up I have always paid on time to on both credit card accounts since I got them 2 years ago refused to help or even hear me out. I will take fault in the fact that I should have paid better attention to my bank statements and made sure the money was being taken out as arranged but I do n't feel that I deserve to have both of my accounts closed out and my credit that I was working so hard to rebuild ruined over an unfortunate misunderstanding. I was n't even given the chance to plead my case even though it was there company 's screw up and did n't follow threw with our payment arrangement. I would like to have the chance to be heard and have the possibility of having my accounts reopend and to not have all my hard work be for nothing I think that 's the part that bothers me the most. At this point I feel hopeless that I will get any cooperation from capital one and pray that you can help me.
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01/30/2022 |
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- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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I joined a gym ( XXXX XXXX ) on XX/XX/2021.
Had a job loss the very next day on XX/XX/2021.
I contacted XXXX XXXX imediately and they agreed to cancel my membership and refund both charges. Unfortunately, after agreeing to refund both charges, my account was still charged.
I opened a dispute with Capitol One since both transactions in the amount of {$64.00} and {$120.00} still showed on my bill. I was told that the merchant has 30 days to respond with appropriate documention. I also contacted XXXX XXXX in XXXX reminding them that they agreed to refund me the amounts. They agreed to send a response letter to Capitol One to help initiate the refund to me for both amounts. XXXX XXXX is not disputing the refund and they have made several attempts to help resolve the issue with the refund with Capitol One.
Since XX/XX/2021, XXXX XXXX has sent my cancelllation letter to Capitol One, and states that they have issued a refund multiple times. Yet, Capitol One keeps charging me back on my account and refuses to issue the refund. There are several phone calls to Capitol One on a recorded line that can be reviewed.
XXXX XXXX sent the approval for cancellation for the {$120.00} charge, to Capitol One, and it was recieved on XX/XX/2021. It shows my cancellation approval from XXXX XXXX at the bottom of the letter, effective XX/XX/2021XXXX XXXX XXXX also sent a cancellation request letter for {$64.00} but XXXX XXXX failed to send the letter in my name. This would be considered " improper documention '' on the merchants part, and therefore, although XXXX XXXX is not disputing the refund, it was an errror on their part. Therefore, I am entitled to a refund for improper proof of documention. The document they sent is not in my name, is not a signer on my account, does not have my phone number, etc. It is someone elses cancellation letter sent in error and I do not know this person. Capitol One 's response to this improper documentation is that I HAVE TO PROVE that that other person is not ME! How do I do that????
Plus, Capitol One has all of my signers listed on my account.
When I called Capitol One, they said it was a signer on my account but it is definately not.
I have contacted XXXX XXXX AND Capitol One for XXXX, XXXX, XXXX, XXXX and XX/XX/2021. XXXX XXXX emailed me a confirmation of refund that was sent to Capitol One and contains the refund transaction ID for both charges. Capitol One states that XXXX XXXX has never issued refund. I have a copy of the transaction letter from XXXX XXXX showing the date and transaction ID of both refunds.
I sent that to Capitol One, yet it does not appear in my account letters.
Capitol One has both refunds in their possession for the past 11 months and continually refused to issue an account refund for {$120.00} and {$64.00}.
And, by XX/XX/2021, they claim it is past the refund time frame, even though XXXX XXXX has issued the refund MULTIPLE TIMES since XX/XX/2021!!!!
Again, please listen to my LAST conversation with a supervisor that refuses to assist in this issue. ( XX/XX/2021 )
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02/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted Capital One XX/XX/XXXX before my payment was due. I lost my income with no prior warning. I had absolutely no means to support myself. I was also thrown out of my home by my spouse. I contacted Capital One as I did not want my payments to simply be ignored. I have been working to restore my credit for the past few years and I could not risk jeopardizing my credit due to non payment on my credit cards. I explained my circumstances to Capital One and I was advised there may be something they could do to help me. I was placed on hold and then a specialist picked up the line and told me that all cards are recorded. The gentleman on the phone told me that there is a program that may help. The man told me the program, their Specialty Assistance Program will wave the late fees ( past due fee ) for 3 billing cycles. I stressed the fact that I could not afford to risk my credit cards payments to be late and destroy my credit. I told him that everything is based on credit ( landlords do credit checks, car insurance companies, banks, employers, etc. ). I told him I understood if there was nothing Capital One could do for me. The credit card is my responsibility and failure to able to make monthly payments could potentially ruin my life. I was informed this program could help me for 3 months. I kept telling the Capital One specialist I could not afford to have any negative reporting to my credit report. He told me this would not affect my credit. He told me that Capital One allows for customers to utilize this program in extreme situations, which mine was. He assured me that there would be no negative impact on my credit as long as I caught up on my payments at the 3 months.
The beginning of XXXX, I started receiving emails from Capital One stating my payments are late. I also received emails from XXXX XXXX stating there was negative reporting on my Credit Reports. The negative reports are from Capital One for late payments. My credit score dropped over 90 points. I contacted Capital One chat and was told that they were sorry I was misinformed about the program. That Capital One offers the Specialty Assistance Program and reports all missed payments to all the credit reporting agencies no matter what. I told the online chat rep. that I would have never agreed to a program that would ruin my credit. I asked why anyone would agree to such program if it basically destroys your credit anyway? I requested a transcript of the phone call. She told me she did not have access and that I would have to call Capital One. I called the next day and requested transcripts and they still have not responded. I am still struggling with no income. I can not barely afford to eat and I reached out to Capital One instead of ignoring them due to my inability to pay. I was offered a temporary solution and in turn they did exactly what I was afraid of and what I was told they would not do. And lastly, they have added interest which no puts me over my credit limit. I couldn't pay my bill before that. I sure can't afford to pay over my credit limit.
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08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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I have been a loyal customer of Capital One for years. I have kept current with my payments all up until the pandemic where I lost my job. I still communicated with capital one in attempt to remain current despite my precarious situation. Capital One not only refused to accept payment from me, but also closed my account with my consent. In XXXX I communiated to Capital One that I would tender a payment to them which they refused to accept. It has recently come to my attention Capital One has reported inaccurate data on my accounts for months. This an example of fraud. They breached my privacy and furnished data they had reason to believe to be incorrect. They also furnished data not permissible under the Fair credit reporting act. The account is currently being reported as a charge off and charge off accounts are not valid debts nor a certificate of indebtedness. To still be reporting data on an account which was written off, charged off, and/or you recieved compensation for is tantamount to Identity theft. Attached is a copy of my identity theft report filed with the FTC.
I have reason to believe this is a billing error. Not only is it a billing error but it is an example of willful inaccurate reporting by the furnisher. I am demanding you delete all late payments, remarks, payment status, and charge off status. Until a full file disclosure is delivered to my address in accordance with 15 usc 1681g ( a ) ( 1 ), all potentially negative or adverse information should be blocked until the dispute is resolved in accordance with the consumers desires.
Capital One Bank ( USA ) N.A has acknowledged this account is under dispute yet is reporting the dispute as resolved every month. Pursuant to 15 U.S. Code 1681s2 ( a ) ( 3 ) the financial institution furnishing information to consumer reporting agencies must meet the requirement by reporting that the account is in dispute status. As of XX/XX/2022, the major credit reporting agencies are not currently reporting the account as in dispute status. This is a failure to meet the requirement of reporting my accounts as disputed information.
A financial institution such as Capital One Bank ( USA ) N.A must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Capital One Bank ( USA ) N.A is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement.
Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Capital One Bank ( USA ) N.A are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. The phone calls and complaints delivered to Capital One Bank ( USA ) N.A along with the subsequent responses cause me to believe that Capital One Bank ( USA ) N.A is aware of the inaccuracies being reported and chose to willingly and knowingly report the information.
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